Posts Tagged ‘Science’

Code for Sustainable Homes: scoring well in the energy section

September 23rd, 2022

The Code for Sustainable Homes is a sustainability assessment tool for new built housing. The tool is developed by the UK government and is used to set minimum sustainability standards in government sponsored residential development. In addition to this many local planning authorities are using this tool to set benchmarks for private and commercial residential development projects as well.

The Code for Sustainable Homes considers a number of topics in nine different categories. Of these categories the one on energy use can be considered as the most important category: it accounts for more than 35% of the total score. Scoring well in the energy section is therefore essential to gain a good Code for Sustainable Homes rating. In this article I review the credit requirements and discuss how feasible it is to meet each these.

Dwelling emissions rate
The first issue in the energy category regards the energy performance of the building. This is considered in relation to the national building regulations. The national building regulations set minimum requirements for the energy efficiency of a building in terms of carbon dioxide emissions.

The dwelling emissions rate issue is the biggest contributor to a good score in the energy category. A total of 27 credits are available in the energy section and there are a maxi,Guest Postingmum of 15 credits available in the first issue. The minimum improvement over the building regulations that is awarded with one credit is a 10% improvement. The maximum of 15 credits is available for what is referred to as a “Zero Carbon Home”. In addition to reduce the regulated carbon emissions from the building with 100% over the requirements in the building regulations a number of additional requirements are put on a building to qualify for the title Zero Carbon Home. This includes a minimum standard for the Heat Loss Parameter and a requirement to prevent carbon emissions from energy used for appliances in the building. Clearly the higher reductions of carbon emissions can only be achieved when using energy generated though the use of low or zero carbon technologies. Issue 7 of the energy categories deals with low and zero carbon technologies and I will discuss this in further detail in that section.

3 Biggest Downsides of Bad Credit

March 14th, 2022

Ideally, all of the decisions we make in life involve consideration of both the pros and the cons of the possible outcomes. For example, the decision to eat a piece of chicken past its expiration date should be based not just on the potential for a tasty dinner, but also the potential for a less-than-pleasant gastro-intestinal reaction.

In other words, most things in life have both upsides and downsides, and our actions should be – though aren’t always – predicated on whether the upsides outweigh the downsides. While many bad decisions can occur as a result of a failure to consider the downsides, just as many poor choices are the result of the failure to understand the downsides, rather than not considering them at all.

Most people know that irresponsible financial behaviors can give you a bad credit score, for instance, but many folks tend to underestimate the many downsides of having bad credit. To help put things in perspective for your next financial decision, here are three of the biggest downsides to having bad credit.

1. You Have a High Chance of Being Rejected for New Credit
At its heart, having bad credit is basically like walking around wearing a sign that says, “I can’t handle debt.” At least, that’s how most creditors are going to interpret your poor credit history and low credit score when you come asking for a line of credit.

That’s because lenders use your credit reports and scores as a means of determining your credit risk, or how likely you are to repay what you borrow. So, if you have a history of missing payments or defaulting on debt, lenders aren’t going to want to give you more money, and they will reject your application for new credit.

Think of it this way: If you loan your neighbor your lawnmower in June but they never return it, how likely are you to lend them your snowblower in December?

Since most major banks have a fairly low risk tolerance, bad-credit consumers are left with limited options for finding a credit card or loan. Namely, you’ll be looking at lists of subprime lenders who specialize in bad-credit, high-risk applicants – lenders who aren’t exactly known for their affordability or top-tier rewards. Which leads us to the next big downside to bad credit: the expense.

2. Creditors, Landlords, and Utility Companies Will Charge You More
It took a few tries, but you finally found a subprime lender that will work with you. Great, hard part over, right? Wrong. Lest you think that qualifying for new credit is the only big downside to having bad credit, just take a look at how much that credit is going to cost you.

As we mentioned, your credit score is what lenders use to determine your credit risk. High-risk applicants are the most likely to default on their debt (not pay it), so lenders willing to work with bad-credit consumers have to find some way to balance the risk. They do this by jacking up interest rates and adding on extra fees.