Marion Carnahan, Author at Ws Kid Well

Harris Heating: Leeds’ Premier Provider of Comprehensive Heating and Plumbing Solutions

by Marion Carnahan September 6, 2024

In the heart of West Yorkshire, Harris Heating stands as a beacon of excellence in the heating and plumbing industry. With a sterling reputation built on years of dedicated service, unparalleled expertise, and an unwavering commitment to customer satisfaction, Harris Heating has established itself as Leeds’ go-to provider for all things related to home comfort and efficiency. From routine maintenance to complex installations, our team of skilled professionals is equipped to handle every heating and plumbing challenge with precision and care.

Comprehensive Heating Services: Keeping Leeds Warm and Cozy

At Harris Heating, we understand that a reliable heating system is crucial for comfort in Leeds’ changeable climate. Our extensive range of heating services includes:

Heating System Installations:
- Expert installation of various heating systems, including central heating, underfloor heating, and smart heating controls
- Tailored solutions to meet your specific needs and budget
- Energy-efficient options to reduce your carbon footprint and energy bills
Boiler Services:
- Professional boiler installations, replacements, and upgrades
- Regular boiler maintenance and servicing to ensure optimal performance
- Emergency boiler repairs available 24/7
Radiator Services:
- Installation of new radiators or replacement of old ones
- Power flushing to improve heating efficiency
- Balancing and optimization of radiator performance
Energy Efficiency Consultations:
- Home energy audits to identify areas for improvement
- Recommendations for energy-saving heating solutions
- Installation of smart thermostats and zoning systems

Expert Plumbing Solutions: From Drips to Complete Overhauls

Harris Heating’s expertise extends beyond heating to encompass all aspects of plumbing. Our comprehensive plumbing services include:

Emergency Plumbing:
- 24/7 response to urgent plumbing issues
- Quick fixes for leaks, burst pipes, and blocked drains
- Temporary solutions to minimize damage until permanent repairs can be made
Bathroom and Kitchen Plumbing:
- Installation of new bathroom suites and kitchen fixtures
- Upgrades to existing plumbing systems
- Water-saving fixture recommendations and installations
Drain Services:
- Professional drain cleaning and unclogging
- CCTV drain surveys to identify hidden issues
- Trenchless drain repair technologies
Water Heater Services:
- Installation and repair of various water heater types
- Regular maintenance to ensure efficient operation
- Advice on choosing the right water heater for your needs

The Harris Heating Advantage: Why We’re Leeds’ Trusted Choice

What sets Harris Heating apart in Leeds’ competitive market? It’s our unwavering commitment to excellence in every aspect of our service:

Expertise and Professionalism:
- All technicians are fully qualified and regularly trained
- Gas Safe registered engineers for all gas-related work
- Adherence to the latest industry standards and regulations
Customer-Centric Approach:
- Clear communication throughout the service process
- Transparent pricing with detailed, no-obligation quotes
- Flexible scheduling to minimize disruption to your daily routine
Quality Assurance:
- Use of high-quality parts and materials
- Comprehensive warranties on all work completed
- Follow-up checks to ensure long-term satisfaction
Community Focus:
- Proud to serve the Leeds community
- Commitment to environmentally friendly practices
- Support for local initiatives and charities

Whether you’re facing a plumbing emergency, considering a heating system upgrade, or simply need routine maintenance, Harris Heating is your trusted partner in Leeds. Our team of expert technicians is ready to provide you with efficient, reliable, and professional heating and plumbing solutions.

Don’t let heating or plumbing issues disrupt your comfort or peace of mind. Contact Harris Heating today and experience the difference that true expertise and customer-focused service can make. From the smallest leak to complete system installations, we’re here to ensure your home or business remains comfortable, efficient, and well-maintained all year round.

Remember, when it comes to heating and plumbing services in Leeds, there’s only one name you need to know: Harris Heating – where quality meets reliability, and your comfort is always our top priority.

garden,home,real estate

What are the most sought-after driveway styles?

by Marion Carnahan August 14, 2024

There are several choices available to you when it comes to driveways. A private drive can add considerable value to your home and make it a better place to reside. Some choices will set you back more than others, but there is lots of choice available whether you’re on a tight budget or have more to spend. Talk to us for more

Doncaster Landscaping

Tarmac driveways

Tarmac or asphalt driveways are also highly economical and are known for their solid weather level of resistance. Driveways made from tarmac are also very resilient, which makes them a great match for bigger vehicles. They also have a smooth coating, which means outstanding skid resistance. Tarmac driveways can easily survive hail, ice and storms. tarmacadam is also a perfect match for the eco-conscious due to the way that the material can be used indefinitely. For a great solution visit

Doncaster Landscaping

Block paving driveways

Block paving is based around interlocking, which gives you further strength. It can be designed in a range of patterns and you can simply replace individual blocks if they are damaged. One other key benefit of block paving private drives is that they have great fade resistance. A block paving driveway can last for up to 20 years. These driveways do not require top polishing, and there is generally no need to repaint them even years down the line. All you normally need to do to maintain a block paving private drive is to clean it with soap and water. Block paving driveways are also popular due to the way that they can withstand severe weather with ease.

Resin-bound plus resin-bonded driveways

Resin-bound and resin-bonded driveways have become progressively well-liked over recent years. Resin-bound driveways are water-permeable. Whilst resin-bonded systems have resin spread across the surface with loose stone scattered on top of them, resin and stone are mixed together and shovelled into place to produce resin-bound systems. These systems give you a great deal of choice when it comes to flexibility and colour.

Indian stone driveways

Indian natural stone driveways offer the look of natural sandstone, and there are plenty of styles and shades to choose from. One of the key benefits of Indian Sandstone is that it doesn’t normally split, crack or peel. This stone also has non-slip qualities.

Stone driveways

Natural stone private drives are quick and straightforward to install and may be the ideal option if you’re on a tight budget. A huge benefit of having a natural stone driveway installed is that you’ll be alerted when someone pulls up on your driveway or walks across it. This means it can be a wonderful discouraging factor for burglars. These driveways also need minimal maintenance.

Cobblestone and brick private drives

Even though they’re not as popular as they once were, Cobble Stone and brick driveways offer a highly distinct, attractive look. These private drives offer good protection to cold and are straightforward to take care of. They are also noted for their durability and can be personalized to your particular requirements and preferences.

Pattern-imprinted cement driveways.

Pattern-imprinted concrete private drives are also known as stamped concrete and decorative concrete private drives. These driveways offer a highly resilient surface and can easily hold up against heavy weights. Another reason why these driveways are so popular is that they require very little upkeep. There are many designs, styles, colours and patterns to choose from.
No matter what your tastes and preferences are, it really should not be too difficult to find a driveway style that meets your demands.

If you have any queries visit

Doncaster Landscaping

for a free quote.

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How Much is Medicare Part B: Costs and Coverage

by Marion Carnahan July 5, 2024

Ever found yourself at a dinner party, trying to explain **how much is Medicare Part B**? It’s not exactly cocktail conversation. Yet here we are, about to break it down. Believe me, it’s actually way more captivating than you’d initially assume.The cost of Medicare Part B seems straightforward at first glance: $174.70 for 2024, up from last year. But that’s just the tip of the iceberg.Why does this matter? Because your health isn’t a static thing; it changes as often as your Netflix password (thanks to family members who can never seem to remember it). So understanding these costs is crucial—like knowing whether you need that extra streaming service or if you’re just going to rewatch “The office” again.Sure, talking premiums and income adjustments might not get you invited back next Saturday night. But hey, being informed has its own perks—like making better decisions for your future self (who will definitely thank you).Understanding the Cost of Medicare Part BEver wondered how that monthly premium for Medicare Part B gets decided? Well, it’s not just pulled out of a hat. Let’s break it down.The Impact of Income on PremiumsThe amount of Money you make influences the premiums you’re charged. If you’re rolling in dough (or even if you’re just doing okay), expect to shell out a bit more for your premiums. It’s all about those income-related monthly adjustments.How Social Security Determines Your PremiumSocial Security isn’t just about retirement checks; they also play referee with your Medicare Part B premiums based on your earnings report card from two years back.Navigating Medicare Part B costs? Your income from 2 years ago decides your premium. More dough, higher rates. #MedicareBasics #HealthcareCostsClick to TweetExploring What Medicare Part B CoversTypes of Services Covered by Part BYou’ve got questions about what Medicare Part B covers, right? Let’s break it down. Think of Part B as your go-to for two big categories: medically necessary services and preventive services.Medically Necessary Services: These include doctor visits, outpatient care, and some home health services.Preventive Services: These encompass flu shots, screenings, and more – usually at no cost if you’re with a provider who accepts assignment.Determining if a Service is CoveredCoverage under Medicare isn’t just thrown together. It leans on three pillars: federal/state laws, national decisions by Medicare itself, and local coverage decisions where you live. It’s a pretty neat system.Navigating Medicare Part B? It covers essentials like doctor visits and flu shots, tailored by laws and local decisions. Dive into how it works for you.Click to TweetCost Adjustments in Medicare Part BSo, you noticed your Medicare Part B premium took a hike or maybe it did the opposite and decided to take a chill pill. What gives? Well, it’s all about the greenbacks – yes, your income.Changes in Income and Their Effect on PremiumsIf last year was kind to you financially (think: more cash flowing in), expect Uncle Sam to ask for a bit more for your Medicare Part B premium. But hey, if things went south and your income dipped, there’s hope yet that your premiums could see some relief too.Disagreeing with Premium DecisionsFelt like those numbers didn’t add up? You’ve got rights. If you disagree with how they calculated your premium based on income changes, don’t just stew over it – appeal. Yes, you can totally do that online; quick and painless.

business, financial, real estate

Leaving Time Shares to Your Kids and the Probate Process

by Marion Carnahan June 26, 2024

People who face time shares and probate issues have the trouble of choosing what will take place to the piece of property. For those who do not know, probate is the legal process of moving the real estate of an individual upon their death. Time shares and probate costs a great deal of money and time.

The probate process and time shares are generally not an issue especially when the deceased left a will that will be performed by the household’s attorney. Squabbles of time share properties can happen which is why it is advisable to include the time shares and probate considerations while doing your estate preparation.

What takes place to the time shares throughout probate? The probate process can be contested or uncontested. Due to the fact that a disgruntled beneficiary desires a larger share of the deceased’s property than that he or she at first got, most concerns arise within the time shares and probate process.

Arguments most often raised include: the deceased being incorrectly affected in making the gifts, the departed did not understand or was not knowledgeable about what they were doing when the will was executed, and the deceased did not follow the legal rules in drafting the will. Most of time shares and probate estates are uncontested.

The standard process of transferring an estate consists of:

Collecting all the pieces of property of the deceased
Paying all taxes, claims and debts owed by its estate
Collecting all rights to dividends, earnings, and so on
Settling any disagreements; and lastly
Distributing the staying property to the successors.

Generally, the deceased names a person (administrator) to manage the management of his/her affairs upon death. If the deceased fails to name one, an appointment by the court will happen such as a personal representative or administrator, to settle the will and estate.

There are 3 typical estate-planning tools that can be utilized to avoid time shares and probate in the distribution of the individual’s home at death: joint occupancy with rights of survivorship, revocable trusts and beneficiary designations. Joint occupancy uses to all home types except retirement plans. Revocable trusts can be used with all types of homes. Beneficiary classifications are for life insurance policies, specific retirement accounts and retirement strategies.

At this moment, time shares and probate can be prepared with these 3 tools in mind. In the lack of a will, the best device to solve time shares and probate issues is the through a revocable trust. Revocable trusts or sometimes called “living trusts” have the following advantages over wills:

Privacy. Monetary affairs and to whom the real estate is provided are personal. Wills and inventories of probate estates are a public record.
Cost Savings. The trustee only has to continue the deceased’s financial obligatios to the properties, hence removing time shares and probate expenses.
Convenience. A revocable trust makes it much easier to pass time shares and probate homes to the trustee.
Continuity. Revocable trusts function as an extention of the deceased as he provides the responsibilities to the trustee after death to pay the bills, pay taxes, and to handle the time shares and probate and disperse properties instantly.

A deceased might want to appoint to manage time shares and probate more than one successor trustee or executor and also the successor trustee and executor can be a business or individual entities like a bank trust department. To handle issues like these estate planning matters or for business Guidance, this law practice can help:

efficient probate process is the settlement ends when probate gets started, ensuring timely progression. legal probate proceeding includes the estate includes probate needs diligent oversight. notable probate lawyer handles the heirs interact during probate to preserve estate confidentiality. various probate fees apply, whereas tax reductions probate helps optimize estate expenses.

estate planning and probate avoidance attorney

Certain probate process involves estate planning to prevent controversies. Common probate law dictates will validation, ensuring equitable distribution. Important probate taxes apply, altering asset management significantly. Generally, probate court decides guardianship matters, affecting familial stability. Clearly, probate attorney advises, guiding through legal intricacies.
estate probate proceedings are legal steps by a probate court to resolve the estates of deceased persons. important probate cases require involvement from probate lawyers to ensure compliance with federal estate laws. several probate documents must be carefully reviewed during probate administration, ensuring accuracy throughout the estate planning process. however, probate management often necessitates estate appraisals to ascertain the property's current market value.

trust administration

Capaciously, probate court is an essential arena where wills are contested. Typically, the executor must distribute the assets strictly according to the deceased's wishes. Importantly, probate records reveal financial histories effectively, allowing for a more transparent adjudication of estate disputes. Significantly, probate lawyers assist in navigating complex legal procedures, ensuring that beneficiaries' rights are protected diligently. Finally, estate taxes can be a major consideration in probate proceedings, impacting the net value estate heirs receive significantly.
comprehensive probate process is often misunderstood by many individuals outside the legal profession. essential inheritance laws govern the distribution of assets after someone's death. detailed estate planning can help mitigate disputes among surviving family members. necessary probate court frequently oversees the validation of wills to ensure fairness. informative probate attorney specializes in advising clients on how to navigate complex probate proceedings.

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extraordinarily, the probate process often involves the settlement of wills. typically, probate attorneys play a role during these resolutions, advising executors on the best practices for estate management. notably, probate court intervenes when disputes arise, ensuring the rightful distribution of assets. variously, inheritance taxes impact how an estate is settled, adding complexities that legal professionals navigate tactfully. ultimately, the legislative framework shapes probate regulations, influencing every aspect from filing deadlines to fee structures.

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To prevent conflicts in time shares and probate, generally it is recommended that the successor trustees and administrators be the exact same individual. A great estate plan need to be able to distribute the real estate to whoever the testator dreams and when the testator wants, with a minimum quantity of inheritance, income, and estate taxes and most affordable possible lawyer’s charges and other expenses. Preventing time shares and probate can be a big relief to the deceased and their household.

religion

Building Inspections: Safeguarding Occupants and Ensuring Safety

by Marion Carnahan May 30, 2024

Structure examinations stand as a vital aspect in maintaining the well-being and health of occupants inside of a structure. Here, we’ll delve into the indispensable role of pre purchase home inspections in spotting safety hazards, analyzing architectural integrity, and minimizing risks to both residents and the building itself.

At their essence, building checks are intended to inspect the overall security and efficiency of a structure, including multiple facets such as power networks, plumbing, fire security precautions, and structural elements. By meticulously examining these aspects, inspectors can identify potential safety hazards that could create risks to residents, ranging from malfunctioning electrical wiring and obsolete plumbing to poor fire extinguishing equipment or compromised architectural stability.

The Importance of Building Inspections for Occupant Safety

Edifice evaluations in Melbourne function as a primary barrier of defense in ensuring the safety of residents inside a edifice. By performing regular evaluations, property owners and managers can detect potential risks and address them promptly, thus lowering the chance of incidents, wounds, or worse.

From power defects to fire risks, building evaluations supply vital insights that facilitate proactive actions to be taken to ensure the safety of the health of all residents.

Identifying Safety Hazards and Structural Deficiencies

A single of the main aims of home inspectors is to spot security hazards and structural weaknesses that may create risks to residents. Inspectors thoroughly inspect diverse facets of the building, such as power circuits, pipes, HVAC systems, fire safety measures, and architectural parts such as partitions, floors, and tops. By uncovering any issues or limitations, construction checks empower property owners to take remedial steps and strengthen the structure’s security precautions.

Mitigating Risks and Ensuring Compliance

construction checks serve a crucial role in reducing hazards and ensuring conformity with security regulations and standards. Inspectors are well-versed in local construction codes and regulations, and their evaluations help verify that the edifice meets all necessary criteria to offer a protected environment for inhabitants. By handling any compliance issues identified throughout evaluations, property owners can reduce lawful liabilities and show their devotion to safety and compliance conformity.

Enhancing Peace of Mind for Property Owners and Tenants

Regarding property owners and tenants alike, the awareness that a complete construction inspection has been performed offers invaluable peace of thoughts. It instills assurance in the safety and soundness of the edifice, comforting occupants that their health is a foremost priority. Additionally, handling any security dangers or shortcomings identified during inspections aids foster a feeling of safety and reliance among occupants, enhancing to a beneficial living or working setting.

Conclusion: Building Inspections as a Foundation for Safety and Security

Ultimately, construction inspections act as a foundational element in securing occupants and ensuring the safety of edifices. By detecting safety dangers, evaluating architectural soundness, and mitigating risks, building evaluations in Melbourne fulfill a critical purpose in creating a secure and safe atmosphere for all occupants. Investing in periodic construction evaluations is not just a lawful obligation but a moral duty to prioritize the health of those who reside or work within the building. Ultimately, construction checks serve as a bedrock in upholding security and security, offering occupants with the peace of thoughts they deserve.

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Beware of Criminal Scammers Pretending to be from Canopy

by Marion Carnahan May 19, 2024

No one wants to be a victim of fraud. Unfortunately, criminal scammers are continuously evolving their tactics and technology to find new ways to commit fraud. Recently, we’ve been getting reports from our members at Canopy Credit Union that scammers have been targeting some of them by spoofing Canopy’s main phone number and pretending to be representatives of Canopy. These scammers are taking advantage of the trust our members have when they see our phone number flash on their caller IDs, with no way to tell that it’s a fake number. The scammers are using information they’ve gleaned about the members they are contacting, which can include names, addresses and other details, in order to convince the members to give them additional sensitive data, such as login information, account numbers, Social security numbers, or card numbers.

Your Security is Our Top Priority

Canopy takes all security risks seriously and treats all threats with the highest priority. We want our members to know that we will never ask for personal details over the phone or through e-mail communications. If someone reaches out to you and requests information that feels suspicious, such as your account password, social security number, credit or debit card details, or accounts numbers, hang up immediately. Reach out to us afterwards with a phone call to 509.328.2900 or through the secure online chat at canopycu.com. Actual representatives from Canopy will never ask you for this kind of information over the phone.

HOW TO TELL IF IT’S REALLY US

When a representative from Canopy is legitimately reaches out to a member because of a suspicious transaction alert, we provide you with the exact merchant the transaction was charged from, the date the purchase took place, and amount of the transaction in question. If it turns out that the transaction is the result of fraud, we will ask if the address we have on file for you is the correct one to send a new card out to, and we will state the address in full, checking with you only if it needs to be updated.

As always, if a member does not feel comfortable communicating over the phone, we applaud them for being cautious. With so many scammers learning more and more about everyone through data breaches on the dark web, it is always better to be safe than sorry. If for any reason you feel unsure about a phone call that appears to be from Canopy, hang up and call us back or come into a branch to speak with a member of our team in person.

FRAUDSTERS USE YOUR INFORMATION TO SOUND LEGITIMATE

To make themselves sound more legitimate, fraudsters are giving fake case numbers, names, and asking members to call them back on a different line than Canopy’s. If you receive a voicemail message asking you to call back on a number that is not Canopy’s main phone line of 509.328.2900, treat it with suspicion and call us directly instead.

To minimize the chances of becoming a target for fraudsters, it’s important that you are diligent about where and how often you share sensitive information on the web. Fraudsters work full time obtaining as much information about their targets as they can before reaching out to them. They look for addresses, family tree information, search through social media, and gather data from the dark web released in data breaches. When they have a list of targets, they research which financial institutions their targets may belong to and reach out to them, pretending to be from one of their trusted banks or credit unions.

What You Can Do to Protect Yourself

One of the best things members can do to protect their sensitive data is sign up for a service that scans for their information on the dark web and will alert them to take action when it’s found. At Canopy we offer this service through Norton LifeLock for free when our members obtain one of our credit cards, but even then, members need to be wary of scammers impersonating Norton as well.

Canopy is always striving to provide the highest level of security possible for our members. Even so, it’s vital that our members remain vigilant and alert regarding any suspicious callers or e-mailers requesting any specific information about accounts or personal identity. If you have any questions or concerns regarding the security of any of your accounts or information at Canopy, please feel free to reach out to us by phone, chat, or by stopping into to any of our branches.

Canopy Credit Union | Protect Yourself