Archive for October 25th, 2009

Lets contemplate the benefits to be of green home energy including passive solar energy and the micro-generation of renewable energy for homes amongst others.

Every 15 minutes the sun produces enough power to supply our current energy needs for an entire year. Because of its distance from the equator, the United Kingdom only receives 60% of the solar energy received at the equator. This energy equates to between 900 to 1200 kWh per square meter per year.. This energy is equivalent to the energy production of 1000 power stations.

The energy coming from the sun fluxes and wanes depending on the solar activity. The less sun spot activity on our sun the less energy emitted.

Interestingly enough the number of sunspot-free days suggest that solar activity is heading towards its lowest level in about 100 years’. The whole thing indicates that the Sun may be moving into a hibernation-like state, and the obvious question is whether it has any significance for us on Earth.

We have no way of knowing what the climate in any region of earth will be in the future therefore, instead of putting all our eggs in one basket, we SHOULD be putting our money into possible adaptation for both global warning and global cooling. And I know which I would prefer.

Anyway I digress…

To really understand and exploit the benefits of green solar energy, one needs to understand how solar energy is harnessed.

There are two types of green solar energy i.e. thermal (heat) and light.

Thermal energy is considered passive solar energy. The use of passive solar energy in housing involves the placement of the building for optimum benefit, the building design and position of suitable building components to make full use of sunlight for day-lighting, passive heating, and/or passive cooling. The primary benefit of a passive solar home, apart from saving energy, is the improved comfort of its occupants.

Thermal energy is harnessed through the design and materials used to construct a building.

The building gathers energy from the sun the old fashioned way; by allowing it to stream in through the windows…

A passive solar home or building can get a full quarter of its heat from the sun alone through the integration of the appropriate ratio of windows to a south facing wall (if you live northern hemisphere)whilst using heat retaining materials, for example brick and stone, and a little intelligent design. That same thermal energy can also be used to heat water for solar hot water systems.

In a passive solar house window placement and sizes are crucial as they can affect the heat gain or loss during various months of the year.

When designing and planning a passive solar home the ultimate goal is to have a home that is warm in the winter and cool in the summer. Passive solar home energy systems can easily be integrated with active solar systems.

A passive solar system functions best in an energy efficient home with a well designed mechanical system.

It is rather unfortunate that the principle of passive thermal energy are hardly ever used in the mass production of housing.

In a energy efficient home a passive solar system should never be considered as a stand alone system to saving energy.

To reduce the need to use lights within the home during the day tubular skylights along with sky tubes and solar tunnels can be used.

The rays of the sun also produce light and radiation that can be captured by solar panels to create electricity.

For the majority of home owners the reason to use renewable home energy is to reduce their utility bills. Constructing a green solar energy system can come with a large initial investment, however they generally pay for themselves within a few years by providing either supplemental electricity or all of the electricity to your home or business.

Building your own solar panels, participating in government refunds and net metering, in which you sell unused electricity back to the power company, can reduce the cost of implementing a green solar energy system.

In addition, green solar energy systems require little to no maintenance after installation, as most have no moving parts.

You don’t have to construct the whole solar energy system in one go, you can easily construct solar panels in modular sections and incorporate them into your home energy system whenever you complete a new panel.

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Alain Prud’homme’s interests include the various technologies that allow for the micro-generation of renewable energy for homes and the freedom such technologies avail the ordinary person. He also writes about the contentious and controversial issues surrounding global warming and climate change. You can find more resources at http://www.renewablehomeenergysolutions.com

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It is predicted that by the end of this year housing prices will be 2% higher than at the beginning of the year, even though due to the crisis it had been predicted that they would be lower by 11%. One of the important factors in this is that supply is not meeting demand. For many months now buyers have been competing for a small number of homes on the market. Cash or equity rich buy to let investors currently hold the advantage.

From the perspective of a cash or equity rich buy to let property investor, there is a good time to be had. With low rates on saving accounts those looking for returns are opting for this route. What is more is that the rents are rising at a rate of 13% per year and it looks like this will continue. The buy to let property opportunity for the cash rich investor looks set to continue also as many first time buyers continue to be frozen out of the market.

Many landlords are enjoying excellent rental returns out of which they have costs such as the buy to let landlord insurance and taxes. The banks are also adding to the demand for rental homes further as they are not lending so much now to buy to let investors, therefore heightening the situation.

What else is affecting the market? Researchers say that they do not expect true recovery until 2012, with the possibilities of price falls of around 3% in 2010. Unemployment added to wage freezes, tax rises and the Centre for Economics and Business Research said it expects that base interest rates should stay at 0.5% into 2011, and below 2% up to 2014.

For those of you who can invest in buy to let property or have already done so, one of the important considerations is finding thorough and cheap landlord insurance. This type of insurance is there to protect your asset as well as issues such as rent guarantee insurance and property owners liability insurance.

There are two main types of policies available for insurance for landlords; one being based on a standard building insurance with perils covered and the other a comprehensive insurance, which although more expensive can be worthwhile. The comprehensive type covers all categories of tenants, as well as a property owners liability insurance which can be for 5 million pounds.

The comprehensive landlord insurance covers many different and important situations, such as full accidental damage and even terrorism cover. As mentioned previously it does include the highly important landlord liability insurance, which means that you are protected against any possible lawsuits if an individual were to be injured on your property. It is important to understand the implications and shop around online.

Being in a fortunate cash or equity rich situation means that you can build your assets further during this time, and with such rich rental returns it is a win-win situation. The important thing is just to make sure that you protect your assets properly with the best landlord insurance which is available.

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Jackie de Burca writes articles about the property market, buy to let investment and buy to let landlord insurance highlighting what to look for in order to get the best landlord insurance.
http://www.arthursavage.co.uk/landlord-insurance.html

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