Half the homes in the UK - owned and rented - have inadequate insulation and furnaces. The new law removes the upfront cost of upgrades, making them affordable. The object is to lower energy bills, address climate change, and create jobs. Homeowners will pay for the upgrades over time through small additional charges on their utility bills.

As do we, here in Dallas.

Make sure you also have access to credit. Have at least one credit card in your own name. Not only does that build your individual credit history, but it gives you a credit cushion if your spouse halts your authorised user access to his or her plastic.

He has previously said that calming markets would require ??some tough decisions?? in Europe but not spelled out precisely what those may entail. Some in Washington believe the European Central Bank could be more active in the crisis though that is an unpopular view across the Atlantic.

The memory options for the device are expected to include 16 GB, 32GB, 64GB and a 128GB. Apple does not traditionally provide a Micro SD slot for additional memory and the same is expected to continue with the iPad 5.Multiple images have been leaked online of the upcoming iPad 5. The device is expected to have a release date of October 22. The new space grey colour shown in the images are just one of the many new offerings expected at the launch.