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20 swindonlink.com • November 2008
                    Age Concern Swindon offers new independent finance advice service

            With the recent turmoil in the financial markets and the value of pension funds heading south, a free seminar at Steam Museum on Monday
            17 November, organised by Age Concern Swindon, cannot come a day too soon.
              The event marks the launch of Age Concern Swindon’s independent  asking for help on important financial decisions such as inheritance tax
            advice service in conjunction with the Co-operative Independent Financial  and investments. The new service has been designed to aid people who
            Advisers (CIFA) and aims to help over 50s to think about maximising  are unsure where to turn to for unbiased advice and for those who have
            income in retirement, planning for care fees and also what to do about  not had access to basic financial products and services.
            inheritance tax                                          Ann Hurcomb from Age Concern Swindon said, “we encourage people
              New research from Age Concern’s Age Agenda report reveals that  to come along to the free seminar to see how the Independent Advice
            more than one in six (7.5 million) of the UK population is in urgent need  Service can help them. It’s essential for older people in Swindon to make
            of financial advice and, of these, 600,000 are aged over 65. Even more  informed financial decisions if they want to improve their quality of life
            worrying, over 220,000 (4 per cent) households headed by people aged  in retirement and protect the value of their estates.”
            65 to 84 are without a bank account.                     To book a place, call Age Concern Swindon on 692166. For details of
              Over recent years thousands of people have contacted Age Concern  the Independent Advice Service call free on 0845 685 1077.

                      Modest priced device to stop heating costs going through the roof

             It’s going to be chilly even if we have a mild winter, and whenever the boiler is on, you’re burning money. So here’s a simple, low cost device
             that will pay for itself in just a few months.
              It makes common sense to close windows and                            for the room. It can be easily moved and stored
             seal up draughty doors in the winter months but                        whenever the fire is lit.
             many homes still have a huge hole in the wall:                           No DIY skills are needed to install the heatsaver,
             the chimney.                                                           which is suitable for most fireplaces, apart from
                                      3
              In  a  modern  house,  up  to  40m   of  warm  air                    stoves or those with back boilers. For non standard
             escapes up the chimney every hour, which means                         sizes, a screen can be custom made.
             an average sized living room loses all its warm air                      Tests in 2005 showed that an average household
             in less than an hour.                                                  could save £144 a year by installing the device.
              As  well  as  heat  loss,  the  chimney  can  cause                   This is likely to be significantly higher after the
             draughts  around  the  house,  in  a  cycle  known                     last round of fuel price increases and even greater
             as the stack effect. As hot air leaves, cold air is                    savings are likely to be made in older houses.
             drawn into a room, through gaps in floorboards                           And of course the less energy you burn, the more
             and windows.                                                           you’re doing to reduce your carbon footprint.
              The Fireplace Heatsaver has been designed to                            The Fireplace Heatsaver costs £79.95 including
             seal up the fireplace when not in use. Made from                       VAT and delivery. Order with a credit card by
             clear moulded acrylic, it stops hot air escaping                       calling 01924 368899 or online at: www.fireplace-
             but allows the fireplace to remain as a focal point                    heatsaver.co.uk


                                                                       K. & E. J. Crump & Son

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             see www.swindonlink.com for a special price




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