Money
Impact Healthcare changes name to align with new FCA rules
The care home group’s stock market ticker will become CRT and trading under the new name will begin on Tuesday morning.
The post Impact Healthcare changes name to align with new FCA rules appeared first on Property Week.
Money
Exact location to place your heated airer that dries clothes more effectively and can slash £50 off bills
HEATED airers have become a popular cost-friendly appliance which help households save on energy bills.
However, many are still draining away important cash each month by placing their airers in the wrong place.
The average energy bill is currently capped at £1,717 but you could pay more and less than this depending on your usage.
With the cap having rose this month by 10%, households are looking to reduce expenses as much as they can.
And while heated airers are usually a cheap alternative to running a tumble dryer or hiking up the heating – they could be costing you more than what they should.
Placing your airer in the wrong part of your house can extend the drying process, meaning you have to run the appliance for longer and at greater cost.
In fact, according to USwitch this could mean spending an extra 38p a wash load – pushing your bill up by as much as £90 across the year.
Energy spokesman Ben Gallizzi told The Sun: “It’s worth thinking about where to place your heated dryer in order to maximise its efficiency.”
“Try to avoid large, cold rooms that will slow down the drying process.”
He said that the appliances can cost different amounts to run depending on the amount of kWh, but under the new energy price cap can cost anywhere between 7p and 29p per hour.
This is compared to a tumble dryer which uses 2.5kWh of energy per cycle and costs 61p.
However placing your airer in a bigger room could add at least two hours to your drying time, costing as much as 38p extra every wash load.
This means if you have several people living in your home and dry three loads a week you could be overspending up to £90 on bills across the year.
This figure of course varies depending on how many people are in your home and how often you dry clothes.
The expert also advised people to “avoid areas of the house where there is little ventilation to minimise the potential build-up of damp.”
By opening windows a crack, you can make sure that all condensation leaves the room and the clothes don’t get more cold and damp.
However, it’s important to note that if you have your windows open wide, the heated airer won’t work as effectively.
This means the perfect places to dry clothes in smaller spaces such as utility rooms or spare rooms, with a window slightly opened.
It’s also useful to place the heated airer in a spot of sunlight, or a room which is slightly warmer than other parts of the house.
Other appliances which might be draining your bills
Your heated airer isn’t the only thing in your home which could be sat in the wrong spot and costing you cash.
Your fridge freezer might be eating away at your bills if there’s not enough space around it – by moving it to a spacier area, you could improve its efficiency by 15%.
Your food being stored in the wrong parts of your fridge could also be costing you cash, causing it to perish quicker and ramping up your shopping bill.
Meanwhile, your washing machine might also be positioned in the wrong part of your home which can cause mould and lead to damage costs.
And if you use dehumidifiers to tackle damp and mould in your home, they could be draining your energy bill if placed in the wrong spots.
Placing your rug or sofa over draughty areas of flooring, such as between floorboards, can also massively slash your energy usage.
And make sure that your sofa isn’t blocking the heat from your radiator – by helping the heat get the rooms of your home you could stretch your energy further.
4 ways to keep your energy bills low
Laura Court-Jones, Small Business Editor at Bionic shared her tips.
1. Turn your heating down by one degree
You probably won’t even notice this tiny temperature difference, but what you will notice is a saving on your energy bills as a result. Just taking your thermostat down a notch is a quick way to start saving fast. This one small action only takes seconds to carry out and could potentially slash your heating bills by £171.70.
2. Switch appliances and lights off
It sounds simple, but fully turning off appliances and lights that are not in use can reduce your energy bills, especially in winter. Turning off lights and appliances when they are not in use, can save you up to £20 a year on your energy bills
3. Install a smart meter
Smart meters are a great way to keep control over your energy use, largely because they allow you to see where and when your gas and electricity is being used.
4. Consider switching energy supplier
No matter how happy you are with your current energy supplier, they may not be providing you with the best deals, especially if you’ve let a fixed-rate contract expire without arranging a new one. If you haven’t browsed any alternative tariffs lately, then you may not be aware that there are better options out there.
How else you can save on energy
One important energy-saving tip to know is to never dry your clothes on the radiator, as this stops it from heating your home efficiently.
As a result, up to £55 could be wasted across the year.
The exact wastage depends on the size of your house and how much energy you use.
Heat can also escape your home through your chimney – The Sun recently wrote an article on how newspaper can be used to stop it from escaping.
By filling a bin bag with newspaper and stuffing it inside of your chimney, you could save as much as £90 across the year and reduce bills by 5%.
You could also buy a damper, which is designed to seal your chimney by blocking the flue system.
However these cost anywhere from £21 on Amazon, and as much as £84 from TLC Electrical.
Don’t forget to do regular annual boiler service checks either – they could save you up to £550 a year.
And for more energy saving tips, make sure to read our handy guide.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
From Spotify to Amazon Prime, five hidden extras that come with subscription services
WITH so many services and subscriptions available, it’s easy to lose track of all the perks bundled into your monthly payments.
From free courses to exclusive entertainment deals, here are some hidden extras you might not know about . . .
LISTEN UP: Spotify is known for music and podcasts, but did you know they also offer courses?
Typically costing up to £80, you can now access these for free until November 30.
Choose from a range of courses such as photography, crafting or even DJing, and pick up a brand-new skill this month.
Visit courses. spotify.com to explore the options there are.
READ MORE MONEY SAVING TIPS
SHOW OFF: Film buffs will love this.
Sky Cinema customers not only get the latest films at home, and Paramount+, but can also claim two free Vue cinema tickets every month.
With the rising cost of watching movies on the big screen, this is the perfect perk for a cheap monthly date night.
PRIME SAVING: Amazon Prime members enjoy a host of perks but one that is often overlooked is Deliveroo Plus Silver membership.
This means free delivery and extra savings on your take-away orders for a whole year.
It’s usually £3.49 per month for the membership alone, and then you will make those extra savings on the food you order.
You can quickly and easily link up your account right now at deliveroo.co.uk/amazon-prime.
ENTERTAINMENT EXTRA: O2 customers should check for free extras with their mobile plan.
One is six months of Disney+ Standard, usually £4.99 a month, free through O2’s “Choose Extra” programme.
There’s also a free Amazon Prime offer. Head to o2.co.uk/extras.
DINNER DATE: Love dining out? Vodafone VeryMe Rewards offers a year’s membership of Eat Local, powered by the Gourmet Society.
This gives you 2-for-1 meal deals or 25 per cent off on food and drinks at restaurants in your area.
- All prices on page correct at time of going to press. Deals and offers subject to availability
Deal of the day
STASHING presents for Christmas?
This week, get the Nivea For Men Got It Covered gift set, usually £20 for £10 at Superdrug.
SAVE: £10
Cheap treat
FANCY a Cadbury Fudge?
A £1.40 pack is now £1 if you scan your Tesco Clubcard.
SAVE: 40p
What’s new?
FANCY a last-minute trip?
If you can be flexible on dates and times, head to snap.
Eurostar.com to find up to 50 per cent off fares for last-minute Eurostar departures.
Top swap
BRING the scent of autumn indoors with a large Pumpkin Cinnamon Swirl Yankee Candle, £29.99 from yankeecandle.co.uk, or find the similar large Pumpkin Spiced Latte candle, at The Range for £3.99.
SAVE: £26
Little helper
TREAT the family to dinner at Frankie & Benny’s and, until November 1, for every adult main meal, get a free kids meal deal including a main, side, dessert and drink worth £8.30. Offer is seven days a week.
Shop & save
THIS So’home lamp will look chic on your bedside table.
Was £30, now £15 at laredoute.co.uk.
SAVE: £15
Hot right now
CHECK out the Lidl Plus app. This week you can get a free eye test when spending £50. See the partners section of the app for details.
PLAY NOW TO WIN £200
JOIN thousands of readers taking part in The Sun Raffle.
Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.
Every Sun Savers code entered equals one Raffle ticket.
The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!
Money
Rachel Reeves will hit 1.5million pensioners by dragging them into higher tax bands at Budget, experts fear
RACHEL Reeves will hit 1.5million pensioners in the pocket by freezing income tax thresholds at the Budget, experts fear.
The move risks them being dragged into higher tax bands, as the state pension is set to rise.
It will be a fresh blow to retirees, many of whom have been stung by the Chancellor’s axing universal winter fuel cash.
Jon Greer, from finance firm Quilter, said: “The triple lock may increase state pensions but, with tax thresholds frozen, many will find themselves paying taxes on what should be a lifeline.
“For those with state and private pensions, the hit will be felt sooner, eroding their incomes at a time when financial security is crucial.”
Thresholds were fixed by the Tories until 2028 but Ms Reeves is thought likely to extend the freeze.
Meanwhile, she has been pressed to find money to help support struggling town halls — as one in four councils expect to, in effect, go bust in the next two years.
One in ten council heads say they have considered asking the Government for support.
The body’s Labour chairwoman Louise Gittins described the current financial crisis as “extraordinary” ahead of their annual rally in Harrogate, north Yorkshire, from today.
She said: “The autumn Budget must provide councils with the financial stability they need to protect the services our communities rely on every day.”
Money
Celebrity-backed health tech firm Zoe launches second round of layoffs in six months
BRITISH health tech firm Zoe, championed by celebrities including Davina McCall, has launched a second round of layoffs in six months.
Last year Zoe was deemed one of the fastest-growing firms in the country as health fans signed up to wear its bright yellow blood sugar sensors on their arms.
However, in April the firm admitted that it had overexpanded its workforce and had to cut costs by 20 per cent.
The Sun can reveal it is now making further job cuts while insiders claim sales are faltering.
Sources said staff had been told via a video call there had to be further changes and redundancies were required.
A consultation with staff is now ongoing, a legal requirement for companies making cuts of more than 20 people. It has refused to confirm the scale of the job cuts.
One worker said: “There is a terrible atmosphere.
“Everyone is scared and we don’t know whether we will have jobs at the end of this four-week window. It’s just looming over us.”
Co-founder Professor Tim Spector, who started the firm seven years ago, has been credited for pushing public awareness about “gut health”.
Zoe’s cheapest starter package costs £299 and charges users a further £25 a month for recipe guides and diet tips.
The brand has a deal with Marks & Spencer to produce mini “gut shots” of fermented milk for £2 and also a cereal range with Waitrose.
The business raised £11.5million in July to fund its expansion.
The firm said: “We are restructuring our teams to continue on our ambitious mission of transforming the health of millions.
“We are dedicated to keeping our employees engaged and informed in the coming weeks.”
A RECORD HIGH FOR UK MUSIC
RAYE, Dua Lipa and Ed Sheeran helped push the value of British music exports to a record high of £775million last year.
However, intense competition from artists from Latin America and South Korea is biting into business, figures from British music industry body the BPI show.
Last year’s 7.6 per cent rise in exports was just half the 2022 rate of growth, it said.
Britain accounts for about 10 per cent of global music streaming, with timeless tunes from the likes of Elton John, The Beatles and Queen still proving popular.
BPI chief executive Jo Twist said: “It is encouraging — but we can and must do even better in the face of fierce global competition.”
CELEBS’ AD QUIZ
TWENTY social media influencers are being quizzed under caution by the City watchdog about their illegal promotion of financial products.
The Financial Conduct Authority said there had been a rise in so-called “finfluencers”, who promote foreign currency exchanges, crypto and complex trading to users.
The FCA says they are not authorised or qualified to give financial advice.
It charged nine stars this year, including Love Island’s Eva Zapico and Towie’s Lauren Goodger, for plugging dodgy investments on social media.
TEN-PIN’S A WIN
HOLLYWOOD BOWL is striking record levels of cash after tempting ten-pin fans to spend more on its snacks, drinks, and arcade games.
The bowling alley chain, which has 72 locations in the UK and 13 in Canada, saw a 7.2 per cent rise in annual revenues to £230.4million.
UK sales rose by 4 per cent to £200million, but were flat once new openings were stripped out.
The firm has benefited from families looking for low-cost indoor entertainment in the unpredictable weather.
RATES CAUTION
ONE of the Bank of England’s rate-setters says she favours a “cautious” approach to lowering interest rates, despite some economists’ predictions of hefty rate cuts next year.
Megan Greene wrote in the Financial Times yesterday she was concerned about rushing into a rate-cutting cycle and cautioned a consumer recovery “could take much longer”.
It comes as many still have to refinance their mortgages at higher rates than before.
Goldman Sachs yesterday said rates could fall to 2.75 per cent by next November.
V.W. £27M TAB FOR CAR HELL
VOLKSWAGEN has been fined £5.4million for its unfair treatment of vulnerable customers, and told to pay £21.5million in compensation.
The Financial Conduct Authority found nearly 110,000 customers who suffered due to “serious failings” by the German car giant’s finance arm over six years.
A probe by the watchdog revealed VW took cars away from vulnerable customers who were struggling to keep up with payments, without considering other options.
It also charged them the extra costs of repossessing their car, even when customers said they had no means to pay.
In one case, the firm took back the vehicle from someone with depression and who had previously attempted suicide, despite telling VW they needed the car for work.
The watchdog’s Therese Chambers said: “Volkswagen Finance made tough personal situations worse.
“The fine and redress should send clear signals to lenders they need to properly support those in financial difficulty.”
AXE SHOP TAX PLEA
MORE than 300 business leaders have called the UK’s tourist tax a “spectacular own goal” and urged the Chancellor to scrap it in the Budget.
Bosses at Mulberry, John Lewis and Shakespeare’s Globe wrote to Rachel Reeves to argue the UK is at a “global disadvantage” as the only country in Europe not to offer tax-free shopping to overseas visitors.
The tax is costing the economy £11.1billion, analysis by the Centre for Economics and Business Research says.
Money
Labour’s worker reforms will cost British firms £5bn a year and risk job losses, Government analysis reveals
LABOUR’S worker reforms will cost business £5billion a year and raise the risk of higher prices and job losses, the Government’s analysis shows.
Nearly one in five companies will have to react to the cost burden by cutting their workforce.
The overhaul by Deputy PM Angela Rayner and Business Secretary Jonathan Reynolds includes changes to sick leave rights and a ban on zero-hours contracts.
One in ten employers may end up cutting workers’ pay, analysis of the Office for National Statistics data shows.
It also suggested 40 per cent would most likely raise their prices, risking a return of inflation.
The alternative is businesses losing profits by absorbing costs.
The party acknowledged smaller businesses would face a bigger hit, despite ministers arguing against exemptions.
The Government has said it would “consider mitigation”.
Analysis showed the largest annual bills could be £1billion for ending zero-hours contracts and another £1billion for improving sick pay.
Ms Rayner said yesterday: “We said we would get on and deliver the biggest upgrade to rights at work in a generation and the growth our economy needs and that is exactly what we’re doing.”
Shadow Business Secretary Kevin Hollinrake is urging FTSE 100 bosses to raise their concerns about Labour’s package of regulation.
And Neil Carberry at the Recruitment and Employment Confederation said: “Today’s impact assessment shows the cost impact will fall on firms who are already facing a wide range of other rising costs.”
Money
‘Such a shame’ cry devastated revellers as popular bar closes its doors only a year after opening
FANS of a popular bar have been left devastated after the family-run business announced its closure.
Bar 7 was unveiled in Margate town centre in December last year, but the business – with a bistro, bar and hire space – will be shuttering at the end of this week.
The decision that’s left customers devastated was announced by the company’s owner Wendy Knight, who ran the popular bar with her husband Douglas and son and daughter Karl and Shelby.
The family say health concerns are behind the shop’s closure.
In a statement on Facebook, they said: “We wanted to let everyone know as from the end of next week we will be closing our doors.
“We want to take this opportunity to thank everyone who ever helped us get on our feet and get started, with out you all it couldn’t have happened.
“We as a family need to focus on our health. This is not goodbye, but more see you later.
“We want to wish the new owners all the best, we will let them make there announcement.”
Distraught customers took to the comments of the announcement to express their sadness over the abrupt closure.
One user said: “Such a shame we really enjoyed the comedy clubs, if you open up again anywhere let us know.”
Another commented: “Hope you are all ok.”
One concerned customer said: “Oh that’s not good sorry hope all is well Wendy.”
And: “Health and your family comes first.”
What else is happening on the high street?
Many retailers have had to make changes in recent times in a bid to survive the cost of living crisis.
We have seen several big losses in the last 12 months including popular discounter Wilko and stationary brand Paperchase.
This year, health and beauty chain The Body Shop fell into administration and announced the closure of many of its 200 stores.
Almost 500 staff are set to lose their jobs after 75 stores were earmarked for closure.
Plus, clothing retailer Ted Baker fell into administration in March 2024 too, with 15 stores having shut by April 19.
Other retailers such as Iceland, Boots and Matalan have been slimming down the number of stores they have in their portfolio.
Just this spring Boots is closing a total of nine sites, as part of its wider plans to get rid of 300 locations.
These closures will see the retailer’s total shops reduced from 2,200 to 1,900.
This has upset a lot of locals in the affected towns, however, the health and beauty chain has said where stores are closing there is an alternative shop less than three miles away.
Why are retailers closing stores?
RETAILERS have been feeling the squeeze since the pandemic, while shoppers are cutting back on spending due to the soaring cost of living crisis.
High energy costs and a move to shopping online after the pandemic are also taking a toll, and many high street shops have struggled to keep going.
The high street has seen a whole raft of closures over the past year, and more are coming.
The number of jobs lost in British retail dropped last year, but 120,000 people still lost their employment, figures have suggested.
Figures from the Centre for Retail Research revealed that 10,494 shops closed for the last time during 2023, and 119,405 jobs were lost in the sector.
It was fewer shops than had been lost for several years, and a reduction from 151,641 jobs lost in 2022.
The centre’s director, Professor Joshua Bamfield, said the improvement is “less bad” than good.
Although there were some big-name losses from the high street, including Wilko, many large companies had already gone bust before 2022, the centre said, such as Topshop owner Arcadia, Jessops and Debenhams.
“The cost-of-living crisis, inflation and increases in interest rates have led many consumers to tighten their belts, reducing retail spend,” Prof Bamfield said.
“Retailers themselves have suffered increasing energy and occupancy costs, staff shortages and falling demand that have made rebuilding profits after extensive store closures during the pandemic exceptionally difficult.”
Alongside Wilko, which employed around 12,000 people when it collapsed, 2023’s biggest failures included Paperchase, Cath Kidston, Planet Organic and Tile Giant.
The Centre for Retail Research said most stores were closed because companies were trying to reorganise and cut costs rather than the business failing.
However, experts have warned there will likely be more failures this year as consumers keep their belts tight and borrowing costs soar for businesses.
The Body Shop and Ted Baker are the biggest names to have already collapsed into administration this year.
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