32 CIIBieroe Advertiser &Tlnies, Thureday, June 9th, 2011 Property Wanted


www.cIitheroeadverti8er.co.uk


Clltheroe 422324 (Editorial), 012S2 426161 (Advertising), Bumley 01262 422331 (Classltled) “ f i m o


Manor House Developments (NW) Ltd Systems House, Liveipool Road, Bumley


DO YOU WANT TO


SELL YOUR HOUSE FOR CASH TODAY?


Do y o u want to rent it b a c k ? Do you want to move out?


Have you got mortgage arrears? Are y o u in a chain? Is y o u r house run d ow n ?


W ou ld you like professional advice in all the ab o ve


We are a local company established for over 25 years and buy houses, shops, factories and land for cash, quickly.


Ring Samantha for a FREE valuation today on Burnley


705017 1000’s hm nlin row oeso epptytoday A helping hand from just £5 a


Over 50s life insurance.


f £ ^ CO LUG E PRESTON At


G iiy s. .p a tch ed Hamlet, Bilsborrbw, Preston^ Nr Garstang, PR3 ORS


Sunday 26th June Ham until 4pm


Celebrate Lancashire with us and enjoy a day of... r Donkey Rides • Punch & Judy • Lancashire Ales _ • Fun Fair • BBQ • Aks & Craft Stalls • Food StaUs


• Farm Animals • Guild Hall Entertainment • Bumpa Zorbs • Foam Pidgeon Shooting


For More details please call 01772 838180


Over 400 career and leisure courses to choose from. Call today on 01772 22 55 22


SPECIAL OFFER FOR OUR OVER 50s READERS Our guarantees to'you


0 0


month...that's less than 17p a day. A cash sum towards funeral costs


When you've spent all your life taking care of your family, the last thing you want is to leave them with financial worries. Have you thought about how your loved ones will pay for your funeral?


Legal and General's Over 50s Rxed Life Insurance Plan can epe the financial burden on your loved ones at a very


difficult time, by providing a cash sum towards funeral costs, outstanding bills or other debts. It's important to consider that


the cash sum provided by the plan is fixed so its value may be reduced by inflation.


Aged 50 to 80 guaranteed acceptance As long as you are aged between 50 to 80 and a UK resident your acceptance is guaranteed. There's no need for a medical and no time consuming health assessment when you apply.


Cover for life


Oiir plan provides cover for the whole of your life. If you die within the first two years of starting your plan we will not pay the cash sum, but we will return all the premiums paid. However, if you die as a result of ah accident {exclusions and hmitations apply), then the full cash sum will be paid instead. Depending on how long you live, the total premiums paid may be greater than the cash sum payable when you die.


"The service I have received from Legal & General has been second to none." i


Mrs R Betts


In response to the service received following a claim tor her husband’s Life Cover.


- Model used to protect customer privacy Rn.nd.1 HOI18778 ^ ' ""I . . .... .. bV «»


0 0 0


Guaranteed acceptance for UK residents aged between 50 and 80.


No medical or health assessment when you apply.


Your premiums will never increase once the plan starts.


After two years, the plan will pay out regardless of the cause of death.


You need to pay premiums until you die. However, if you reach your 90th birthday, you stop paying premiums but your cover continues for the rest of your life. If you stop paying premiums when they are due, the plan will be cancelled and you will not get anything back.


This plan has no cash-in value at any time. FREE £50 M&S VOUCHERS


Gift sent after three consecutive premiums are received. Full terms and conditions are available with your information pack.


For more Information


Receive a FREE Parker Pen when you return ^®.poMPon opposite or call us freephone quoting reference JHNPRS offer ends 30.06.2011


! Lines open’8am to 8pm Monday to Friday, 9am to 5pm Saturday, We may record and monitor calls


; 0800 980 26.86 '


^ How we compare


^ e table below shorn what level of cover would be provided by our Over 50s Hxed Life Insurance Ran, compared to similar plans from other rompanies for th e s am ^ ^ The actual features between each of the producte vary


Legal & General Over 50s Fixed Plan LV= 50 Plus Plan Sun Life Direct Guaranteed Over 50 Plan


U?e oI/Tl/°10 individual c ir c jn ^ a : : AH “ n ^ ^ S n ^ a ™ " " I ^ Yes, please send me my free, I


I no obligation information pack. TilladVIr/Mrs/Miss/Ms)_____________ First Nama(s)


Surname Address


Postcode I Telephone No. Date of Birth


I Simply pop into an envelope and send to: Legal & General Over 60s, FREEPOST SWC0467, Cardiff CF24 OZR


I O^ipnally we may tell you about olher products or senrices bcino 1


I yourtelephone number you consent to Leoal A I to discuss the Over 50s Plan.


^ ref JHNPRS


n ' interert to you. If you would prefer not to receive this carefully selected information, please tide this box FH Hu rtmuiHinn ^


^ ® “ "'"9 Leg^^^General - f i


£5,051 £4,909 £4,345


Sum assured taken from LV= V - r


Np* ....... t'A. ! presenter and author offeis guidance on property issues Living in electrics dreams - Part P


YOU might be a dab hand at fixing things but carrying out household electrical jobs, unless you are properly qualified, could not only land


you a hefty fine, it could mean your property isn't considered safe. Domestic electrical work falls under the


remit of Building Regulations ('Part P’) and DIY


electrical work cannot be carried out as freely as it could be years ago. Part P applies to electrical installations in


houses and flats, dwellings and business premises that have a common supply (i.e. shops with a flat above) as well as common access areas (corridors and staircases) and shared


amenities (i.e. laundries and gyms) in blocks of fiats. It also applies to electrical installations in outbuildings such as sheds, detached garages


and greenhouses as well as extensions and loft conversions. Changing a plug socket or light bulb is fine,


I but even relatively straightforward electrical jobs s need to be either done by an electrician who is registered with one of the ‘Self Certifying' bodies If the work is carried out by a 'competent person' i.e. someone who is registered, the


work is deemed to be compliant with the Part P Building Regulations. But if you want to do the work yourself (or


employ someone that isn't registered with one of these organisations) then you’ ll need to contact


your local authority beforehand to tell them about it.


They will then inspect the work (or contract


someone to do so) to check that it is OK. British Standard BS7671 is the name for the


lEE Wiring Regulations. One way to meet the requirements of Part P, is to do electrical wiring installations in accordance with this standard.


I Notifiable Work


' Work which is deemed to be 'notifiable’, is work done in ‘high risk’ areas such as kitchens and bathrooms (other than ‘like for like’ replacement) or outside (other than replacement, repair and maintenance jobs). Notifiable work must be notified to the Local


Authority Building Control Dept under Part P. Non-Notifiable Work


! Broadly, replacing existing electrical equipment, components or cabling, adding light fittings or sockets to an existing circuit and


work on telephone wiring or extra-low voltage wiring used in computer set ups, doesn’t need notification to Building Control. However, if in doubt as to whether the'


electrical work you intend to do .should be notified, contact your local Building Control department.


Be Safe In the Home If you get an electric shock from an appliance -


turn off the power and call a qualified electrician. Always turn off the power to lights when you


are changing light bulbs. Don’t overload plug sockets -


limit adaptors


and power boards to one per socket. Never pull on the power cord when removing a plug. Never touch electrical appliances with wet


hands and keep electrical appliances away from water, even when they are switched off.


Electricity and water don’t mix. Wear dry shoes with rubber soles when using


electrical appliances in wet areas or outside. Use safety switches at your fuse box or


electrical outlet. Use circuit breakers or electrical trip.


Keep little fingers out of plug sockets with child plug covers.


Unwind extension cables fully, as if left coiled


up they carl overheat, leading to electric shocks, and potentially causing fire.


Replace damaged or frayed cords on appliances and extension leads.


Fizzle Out Old Electrics Old electrical work is dangerous - it’s a fire


risk and whilst having a property re-wired can electrics:


be expensive, it’s a small price to pay against having the place burn down. Look for the danger signs of out of date


Round pin plug sockets or round light switches. Black rubber or cotton covered cables Discoloured switches and/or light holders Twisted wires coming from light fittings. .Obviously ancient fuse boxes that look like something from a Frankenstein movie!


Avoid Bank Holiday Bangs If you intend to entertain outside over the bank


holiday, take care over electrics for your garden party.


Only use cables that are specifically designed for outdoor use and take care when feeding


through doors or windows to avoid causing cable damage. Ensure that any cables or extension leads are


not left out where they can be easily tripped over or grabbed.


Trailing wires are one of the most common


causes of household trips and falls. Make sure you read any manufacturers’


instructions for outdoor electrical goods carefully. Inappropriate use of electrical equipment is one of the most common causes of accidents. Outdoor lighting should be low voltage or be


protected by a circuit breaker in the event of an earth fault.


Protect your stereo and other electrical


equipment from sudden showers with a gazebo or canopy.


Never leave outdoor electrical equipment


plugged in when unattended. Bring indoors all electrical equipment when you turn in and don’t leave extension leads outdoors permanently.


How to wire a plug These days most appliances come with plugs


already fitted, but if you need to fit one yourself, here’s how to do it.


The standards wiring colours changed from


2006 and although new appliances will reflect the new colours, the old lEE colour scheme may still exist in wiring done before March 2006.


ta. Kx


Pre-2004 lEE colour scheme: Protective Earth (PE) - Green / Yellow Neutral (N) - Black Live (L) - Red


Current Scheme (from 2006): Protective Earth (PE) - Green / Yellow Neutral (N)-Blue Live (L) - Brown


You’ll also need to make sure you fit the


correct size fuse- 2A or 5A for low power items, such as computers and televisions, lOA or 13A for high power items such as hair diyers, kettles and toasters.


To find out more about Martin Roberts and far property advice visit www.mastinrobeits.co.uk H .fcS H i '■ fe ' it. '■ O '


www.clitheroeadvertiser.co.uk propertyadvice Clitheroe Advertiser & Times, Thursday, June 9,2011 33


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