Stop Loan Sharks Community Fund opens for applications

first_imgThe Stop Loan Sharks Community Fund is now OPEN!Grants of up to £5,000 available for projects to help stop loan sharks Collaborative bids welcome. Find out more and apply Deadline for applications is 30 June— Stop Loan Sharks (@LoanSharkNews) April 6, 2021 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis How to apply Community organisations, charities and groups are invited to apply for grants of up to £5,000 from the England Illegal Money Lending Team (IMLT) for projects to help tackle loan sharks. Collaborative bids between multiple agencies are also welcome. If you need further support with completing your application or have any additional questions you can contact the fund at [email protected] or speak to your local LIAISE officer. To be eligible for this funding projects must: Advertisement The deadline for POCA applications is Wednesday 30th June 2021.  732 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of Researching massive growth in giving.center_img Tagged with: crime England Funding raise awareness of the dangers of loan sharksreduce crime and disorderand have a positive impact on communities. Stop Loan Sharks Community Fund opens for applications You can find out more about eligibility and how to apply from the Stop Loan Sharks website. Howard Lake | 12 April 2021 | News Paper applications are not being accepted this year. You will need to download and complete an application form from the Stop Loan Sharks website. More money seized from convicted loan sharks under the Proceeds of Crime Act is about to be donated to charities in England. Appropriately enough the funding will be used to help tackle loan sharks and the damage they inflict.last_img read more

Millennial Homeowners: Living With Regret

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Millennial Homeowners: Living With Regret in Daily Dose, Featured, News Subscribe The Best Markets For Residential Property Investors 2 days ago Tagged with: Bankrate buyers remorse Down Payment Home Homebuyers Homeowners House HOUSING Maintenance Millennials mortgage Bankrate buyers remorse Down Payment Home Homebuyers Homeowners House HOUSING Maintenance Millennials mortgage 2019-02-28 Radhika Ojha February 28, 2019 13,412 Views Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Home / Daily Dose / Millennial Homeowners: Living With Regret Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Previous: Will Entry-Level Homes Catch a Cold This Spring? Next: A Turning Point for Home Price Growth? The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Radhika Ojha First, it took them more time to buy a home and now that they have a place to call their own, do millennials suffer from homebuyers’ remorse? According to a survey, nearly two-thirds of millennial homeowners have regrets about their home purchase—and most of it stems from difficulties with maintaining the home they bought.Millennials also form the largest share of any generation who regret their home purchase. The survey which was carried out between January 30 and February 1, covered 2,668 adults across age-groups.When looked across age-groups though, the survey found that overall 44 percent of homeowners had regrets about their home purchase while 56 percent were happy with their home. The most common factor that caused homeowners to regret their purchase was unexpected maintenance or hidden costs. While 18 percent of all respondents cited this as their key factors, a quarter of these respondents were millennial homeowners.“Repairs and maintenance costs are something all homeowners face.  Consumers should expect to set aside 1 percent of their home’s purchase price each year to keep in a savings account to cover these expenses,” said Deborah Kearns, Analyst at “Budgeting early on can prevent dipping into emergency savings or going into debt to handle these added expenses.”Some of the other factors that made homeowners suffer from buyers remorse included, buying a house that was too small (12 percent), buying a house that was in a bad area (8 percent); making a poor investment (7 percent); having a high monthly mortgage payment (7 percent); not getting the best mortgage rate (6 percent); and buying a house that was too big (6 percent).The survey also revealed that 79 percent of Americans believed that owning a home was “a hallmark of achieving the American dream.” However, income proved to be the biggest hindrance to achieving their goal of homeownership with 51 percent of survey respondents who didn’t own a home citing this as the key reason for not having their own home yet. Forty-one percent of respondents who don’t own a home also said that they didn’t buy because they couldn’t afford a down payment and closing costs related to buying a home.Click here to read the full report. Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

ESG roundup: France’s Ircantec launches energy poverty initiative

first_imgAt the end of the year Anah will report on the effectiveness and relevance of the offer. If the results are positive it will be extended to the entire country.The initiative forms part of Ircantec’s work to alleviate energy poverty and the pension scheme’s wider social action policy. It aims to prevent its most vulnerable retirees from losing their independence and encourage them to look after their homes.The initiative was motivated by the results of a survey Ircantec carried out last year, which showed that the vast majority (85%) of respondents did not undertake renovation work in their homes due to a lack of support and resources.The respondents tended to be women living on their own, on average 70 years old, on low incomes of €10,000-€12,000 a year, and owners of houses that are more than 30 years old – and hence most of the time poorly insulated.Fellow French public sector pension scheme ERAFP has also engaged in a housing initiative for the benefit of its members. Large UK pension investor joins IIGCC Brunel Pension Partnership (BPP), the £28bn (€31.8bn) asset pool for 10 UK local government pension schemes, has become a member of the International Investors Group on Climate Change (IIGCC).It is the first of eight such pools to join the group. Dawn Turner, CEO of BPP, said: “Improving our knowledge-base on climate change will benefit our clients as we strive to help them to achieve their investment objectives. IIGCC provides a platform for conversation, information-sharing and collective influence.”Bristol-based BPP is in the process of establishing a network that will assist in delivering on the commitments implied in Brunel’s investment principles and values and considers IIGCC a key organisation in this area, according to a statement.Several of BPP’s senior staff transferred from the Environment Agency Pension Fund, which is also a signatory to the IIGCC.    ICGN sticks to its guns on differential ownership rightsThe International Corporate Governance Network (ICGN) has reiterated its opposition to differential company ownership rights, calling for benchmark stock indices to disallow shares with differential ownership rights and setting out recommendations for action from investors.In a nuanced briefing note, it acknowledged that not all institutional investors – including some ICGN members – were in favour of exclusion and that global index providers had responded well to concerns relating to dual class shares in their indices.But not enough had been done to protect investors from differential ownership in benchmark indices, according to ICGN.Investors could therefore take steps, such as encouraging companies with existing dual class structures to introduce sunset provisions that would result in the elimination of such structures over time as the company evolved.Investors could also encourage index providers to stop adding new dual class shares into benchmark indices.ICGN’s opinion can be found here.Earlier this year Swedish state pension fund AP7 settled a lawsuit with Facebook, which had proposed an overhaul of voting rights for different classes of shares. CEO Richard Gröttheim said the victory had saved investors as much as $10bn.Wanted: Pension scheme views on responsible investingInvestment consultancy Aon is seeking the views of pension schemes around the world on environmental, social and governance matters and responsible investment.It has put together a short survey of mostly multiple choice questions that can be completed here: tweaks proxy voting guidelinesEthos Foundation, the Swiss pension-fund-backed proxy voting agency, has adjusted its voting guidelines and corporate governance principles for 2018.Next year’s edition specifies Ethos’ criteria for approving a company’s remuneration report. Ethos will pay particular attention to the vesting of deferred variable pay in the form of shares and the information the company provides about this. It expects companies to be more transparent about this aspect of pay. French €9.8bn public pension scheme Ircantec is offering its pensioner members financial support to carry out energy efficiency work on their homes.It is offering to contribute €1,500 towards improvement costs, on top of support available from Anah, the national housing agency, and local authorities engaged in home improvement programmes.Ircantec is also offering a “social loan” of €500-€10,000 at a rate of 0% and repayable over a period of between one and five years.The experimental offer is due to be offered over a period of one year from 1 January to 200 households in Brittany, Pays de Loire, Hauts de France, Grand Est and New Aquitaine. It will primarily target households in areas covered by public housing support programmes.last_img read more