To reduce greenhouse gas concentrations in the atmosphere we have to invest large amounts of money. This presentation shows how we can obtain the money to invest in ways that will reduce the cost of energy.
Tackling debt, financial resilience and vulnerability at LACEFPolicy in Practice
Deven Ghelani, Director and founder of Policy in Practice, was invited to speak at the Local Authority Civil Enforcement Forum on the topic of 'Debt, Financial Resilience and Vulnerability'. He focused on our early intervention work on arrears with local authorities who are using data analytics insights to identify vulnerability, target support and track change.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
Green Timiskaming Co-operative is a renewable energy co-operative that is promoting and investing in local green energy projects. It has received approval for ten solar energy projects totaling 4 megawatts that will be built between 2015-2017. The co-operative is offering Northern Solar Bonds to raise $2.5 million from members to fund 51% of the capital costs and become majority owner. Bonds are available in 5-year terms paying 4.5% annually or 20-year annuity bonds with rates from 5-12.75% over the term. Funds raised will finance solar energy projects that provide clean energy and local economic benefits.
Implementing an on-site energy strategy requires a solution to the barrier of upfront cost. The unique energy financing program known as Property Assessed Clean Energy can make launching an on-site solution project cash flow positive immediately!
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
Mark Rangel (Exec. VP of Energy Solutions, Circular Energy) presentation on cash positive financing for religious facility solar systems. More about Mark: https://www.linkedin.com/pub/mark-rangel/b/65/6a0
This document discusses solar power options for home owners that provide savings with no upfront costs or financial commitment. It notes that 73% of residential solar projects are financed through power purchase agreements (PPAs) that offer flexible terms up to 25 years with no money down and no requirements for home equity. PPAs transfer with the home if it is sold and have very low credit score requirements. The company focuses on developing solar projects using PPAs and offers monthly lease and PPA options so homeowners can benefit from solar savings without large upfront costs.
The document describes private mortgage investment as a high yield, low risk investment opportunity. It outlines how private mortgage investments work, comparing them favorably to other conventional investment vehicles like CDs and stocks in terms of safety, security, predictability, control and return. Private mortgage investments offer secured, predictable returns through first or second mortgage loans at interest rates of 8-13% and loan-to-value ratios of 70-95%, providing both principal protection and high returns.
The document discusses new regulations in the UK requiring pension funds to consider climate-related financial risks and opportunities when setting investment strategies. Trustees will need to publish disclosures on their approach by 2022. Climate change poses far-reaching financial risks to investments from physical impacts and the transition to a low-carbon economy. Pension schemes can be affected through impacts on asset values and sponsoring companies. The Pensions Regulator will review whether schemes are properly considering climate change risks in line with their duties.
Tackling debt, financial resilience and vulnerability at LACEFPolicy in Practice
Deven Ghelani, Director and founder of Policy in Practice, was invited to speak at the Local Authority Civil Enforcement Forum on the topic of 'Debt, Financial Resilience and Vulnerability'. He focused on our early intervention work on arrears with local authorities who are using data analytics insights to identify vulnerability, target support and track change.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
Green Timiskaming Co-operative is a renewable energy co-operative that is promoting and investing in local green energy projects. It has received approval for ten solar energy projects totaling 4 megawatts that will be built between 2015-2017. The co-operative is offering Northern Solar Bonds to raise $2.5 million from members to fund 51% of the capital costs and become majority owner. Bonds are available in 5-year terms paying 4.5% annually or 20-year annuity bonds with rates from 5-12.75% over the term. Funds raised will finance solar energy projects that provide clean energy and local economic benefits.
Implementing an on-site energy strategy requires a solution to the barrier of upfront cost. The unique energy financing program known as Property Assessed Clean Energy can make launching an on-site solution project cash flow positive immediately!
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
Mark Rangel (Exec. VP of Energy Solutions, Circular Energy) presentation on cash positive financing for religious facility solar systems. More about Mark: https://www.linkedin.com/pub/mark-rangel/b/65/6a0
This document discusses solar power options for home owners that provide savings with no upfront costs or financial commitment. It notes that 73% of residential solar projects are financed through power purchase agreements (PPAs) that offer flexible terms up to 25 years with no money down and no requirements for home equity. PPAs transfer with the home if it is sold and have very low credit score requirements. The company focuses on developing solar projects using PPAs and offers monthly lease and PPA options so homeowners can benefit from solar savings without large upfront costs.
The document describes private mortgage investment as a high yield, low risk investment opportunity. It outlines how private mortgage investments work, comparing them favorably to other conventional investment vehicles like CDs and stocks in terms of safety, security, predictability, control and return. Private mortgage investments offer secured, predictable returns through first or second mortgage loans at interest rates of 8-13% and loan-to-value ratios of 70-95%, providing both principal protection and high returns.
The document discusses new regulations in the UK requiring pension funds to consider climate-related financial risks and opportunities when setting investment strategies. Trustees will need to publish disclosures on their approach by 2022. Climate change poses far-reaching financial risks to investments from physical impacts and the transition to a low-carbon economy. Pension schemes can be affected through impacts on asset values and sponsoring companies. The Pensions Regulator will review whether schemes are properly considering climate change risks in line with their duties.
THE ‘REACH’ STANDARDSPROPOSED CHECK LIST FOR A TRUE SUPPORTED LIVING OFFERINGMax Hotopf
The document contains 6 exhibits that discuss trends in supported living and residential care for individuals with intellectual disabilities in the UK. Exhibit 1 outlines 9 standards for true supported living. Exhibit 2 shows increasing home care volumes but decreasing annual spending per user from 2006-2013. Exhibit 3 estimates that most high acuity individuals entering care go to supported living, while residential care numbers have stabilized. Exhibit 4 discusses differing commissioner views on the cost-effectiveness of supported living models. Exhibit 5 outlines declining local authority budgets after 2010. Exhibit 6 shows that despite overall cuts, spending on learning disabilities has grown slightly from 2010-2014.
Becoming a homeowner comes with a lot of responsibility, but also a lot of rewards. To help you decide if owning a home makes the most sense for you, here are some of the main reasons people choose homeownership over renting.
This document summarizes research on the outcomes and costs of extending foster care support to age 21 in Ohio. Key findings include:
- Youth who remain in care past 18 have better outcomes such as higher school enrollment and lower rates of homelessness and incarceration compared to those who "age out" at 18.
- Over 10 years, Ohio would see $1 in benefits for every $1 spent by providing housing, case management, and other supports to youth aging out of care. By year 6, benefits would equal costs, and by year 10 benefits would exceed costs by $1.81 for every $1 spent.
The document discusses Policy in Practice's work on analyzing and managing local and central government debt through the Reimagine Debt pilot program. The program aims to consolidate household-level debt data to offer holistic debt guidance. Initial pilots in Newcastle and Barking manually pooled debt data on 39 families. The program is now looking to scale up this approach by using analytics on pooled household datasets to identify vulnerable families, engage them proactively, and track outcomes over time. The outcomes of the Barking pilot found that average arrears fell by £1,100 across 21 households tracked over 18 months, reducing total rent and council tax arrears by £17,600 and £5,500 respectively.
Crowdstacker Research: The true cost of financial apathyCrowdstacker
The document discusses how financial apathy can cost people thousands of pounds over 10 years. Research found that 40% have never changed their pension provider, 21% have never changed banks, and 55% haven't changed utility providers in 3 years. This financial apathy could result in losses of £7,365 in pension value, £2,500 in savings interest from cash ISAs, and £5,120 from higher utility bills by not switching providers. The document encourages people to be more proactive in managing their finances to maximize savings and investments.
The document discusses Medicare spending and proposals for reforming the program. It shows that while Medicare spending growth has slowed in recent years, it still grows significantly faster than GDP. If trends continue, Medicare and other health spending will account for over 17% of GDP by 2037. The document proposes several reforms to make Medicare more sustainable, such as combining Parts A and B, limiting first dollar Medigap coverage, introducing competitive bidding similar to Part D, permanently fixing physician payments, and gradually raising the eligibility age in line with increasing longevity.
New capital ratio rules to be adopted at the next G20 meeting in Seoul in November should please banks, and European one in particular due to their core capital deficit, thanks to rather lenient rules and an implementation time frame that stretches until the end of 2018...
The document summarizes changes to Canada's mortgage industry over time. It notes that following the 2008 financial crisis, financing requirements tightened with the elimination of 100% financing, reduction in amortization periods from 40 to 35 years, and minimum credit scores. Further tightening in 2010 included requiring variable rate mortgages to qualify at higher posted rates and increased down payment requirements for investment properties. The mortgage industry continues adapting to regulations and economic conditions.
A reverse mortgage allows senior homeowners to convert the equity in their home into tax-free cash payments without having to make monthly mortgage payments. Key benefits include using the cash to fulfill dreams, afford healthcare costs or travel, improve one's home, and gain peace of mind. The document provides information on how reverse mortgages work, who qualifies, available payment options, and closing costs.
Hannah Masterjohn | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Hannah Masterjohn, Program Director of New Markets, VoteSolar
Taking Shared Solar Nationwide: Find out how shared solar is expanding nationwide, how it differs from green tariffs, and how different states are attempting to use the policy as a tool to address barriers to low-income solar investments.
Ocwen Financial Corporation provided loan modifications and helped homeowners avoid foreclosure between 2008-2016. They completed approximately 75,000 loan modifications over this period, including 42,000 under the Home Affordable Modification Program (HAMP). In 2016, 39% of their loan modifications involved principal reduction. Ocwen led the industry in loan modifications, completing over 720,000 modifications since 2008, more HAMP principal reduction loans than the three largest servicers combined.
This document summarizes a presentation on the book "Energy Economics" which discusses energy as income and as a guarantee. It covers several key topics:
1) Energy production is important for a nation's wealth and costs, with exploration ratios declining over time. Domestic energy production avoids costly imports.
2) Energy conservation saves costs and is a form of income. Each nation can become its own energy supplier through renewable energy.
3) State-issued guarantees have lost value as western nations take on debt and lose industrial production. Emerging states have stronger credibility.
4) Transitioning to renewable energy through governmental guarantees and making energy a form of return on investment can restore trust in currencies and markets.
This document contains summaries of presentations given by Dr. Nigel Wilson, the CEO of Legal & General Group. It discusses the success of the UK's auto-enrollment pension system and proposes next steps to improve it. It also outlines Legal & General's investments in areas like housing, infrastructure, and healthcare and argues these investments provide long-term returns while creating social benefits. Finally, it proposes expanding auto-enrollment to include income protection insurance in order to provide greater financial security.
The document discusses the Green Deal program in the UK, which aims to promote energy efficiency upgrades for homes and buildings. It outlines that the Green Deal will be a market-led mechanism funded by private capital, allowing energy efficiency improvements with no upfront costs via repayments on energy bills. It also discusses the role of the Energy Company Obligation (ECO) in supporting households that may not be suited for Green Deal financing and focuses on hard to treat homes and vulnerable groups. Local authorities will work with the Department of Energy and Climate Change to deliver the Green Deal and ECO.
The document discusses recent changes to mortgage lending rules in Canada that restrict borrowing and make mortgages more expensive. Specifically, maximum amortization is now 25 years, maximum loan-to-value on refinances is 80%, and banks face limits on home equity lines of credit. Investors must put 20% down when purchasing rental properties. While these changes aim to restore stability, they may force consumers to carry higher-cost credit card or line of credit debt instead of consolidating with cheaper mortgages. However, the document argues that Canadian consumers have weathered economic challenges well by managing household debt responsibly, and that the housing market will remain robust in the long term.
Presentation from Duncan Milwain on social investment - in particular bonds.LeedsEmpties
Duncan Milwain, Head of The Charity and Social Enterprise Group at Lupton Fawcett Lee and Priestley, spoke at Leeds Empties event on investment and empty homes on 20 March 2013.
This document introduces the Solarize program, which aims to increase solar adoption in the Hudson Valley region. It explains that now is the best time to go solar due to discounts offered through Solarize (up to $3,850), NYSERDA incentives, and state and federal tax credits. Financing options are available such as loans through NYSERDA and RUPCO that can be paid back through energy savings or traditional loans. Site assessments are free for those who enroll in Solarize by September 12th. Installers participating in Solarize are pre-qualified, certified, and offer warranty protection.
This document summarizes 6 pension issues that should be concerning:
1) Inflation and its impact on current and future pensioners.
2) The case for retail collective defined contribution pensions.
3) Creating a value for money measure the public can understand.
4) Where additional voluntary contributions still make sense in the Local Government Pension Scheme.
5) The 655,000 economically inactive older workers.
6) Whether Russia has undermined environmental, social, and governance investing.
Financing Energy Efficiency: Overview and Lessons (Aceee presentation)HarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes Manitoba Hydro's on-bill tariff program which allows customers to finance upgrades through repayments on their energy bill at a subsidized 4% rate. The document emphasizes the importance of simple, streamlined programs delivered through contractor networks in order to scale up energy efficiency investments.
Financing Energy Efficiency: Overview and Lessons- ACEEE presentationHarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes the Manitoba Hydro Power Smart program, one of the most successful on-bill loan programs with over $200 million lent through 50,000 loans at a subsidized 4.9% rate. The document advocates for making financing programs simple and expanding successful existing models.
THE ‘REACH’ STANDARDSPROPOSED CHECK LIST FOR A TRUE SUPPORTED LIVING OFFERINGMax Hotopf
The document contains 6 exhibits that discuss trends in supported living and residential care for individuals with intellectual disabilities in the UK. Exhibit 1 outlines 9 standards for true supported living. Exhibit 2 shows increasing home care volumes but decreasing annual spending per user from 2006-2013. Exhibit 3 estimates that most high acuity individuals entering care go to supported living, while residential care numbers have stabilized. Exhibit 4 discusses differing commissioner views on the cost-effectiveness of supported living models. Exhibit 5 outlines declining local authority budgets after 2010. Exhibit 6 shows that despite overall cuts, spending on learning disabilities has grown slightly from 2010-2014.
Becoming a homeowner comes with a lot of responsibility, but also a lot of rewards. To help you decide if owning a home makes the most sense for you, here are some of the main reasons people choose homeownership over renting.
This document summarizes research on the outcomes and costs of extending foster care support to age 21 in Ohio. Key findings include:
- Youth who remain in care past 18 have better outcomes such as higher school enrollment and lower rates of homelessness and incarceration compared to those who "age out" at 18.
- Over 10 years, Ohio would see $1 in benefits for every $1 spent by providing housing, case management, and other supports to youth aging out of care. By year 6, benefits would equal costs, and by year 10 benefits would exceed costs by $1.81 for every $1 spent.
The document discusses Policy in Practice's work on analyzing and managing local and central government debt through the Reimagine Debt pilot program. The program aims to consolidate household-level debt data to offer holistic debt guidance. Initial pilots in Newcastle and Barking manually pooled debt data on 39 families. The program is now looking to scale up this approach by using analytics on pooled household datasets to identify vulnerable families, engage them proactively, and track outcomes over time. The outcomes of the Barking pilot found that average arrears fell by £1,100 across 21 households tracked over 18 months, reducing total rent and council tax arrears by £17,600 and £5,500 respectively.
Crowdstacker Research: The true cost of financial apathyCrowdstacker
The document discusses how financial apathy can cost people thousands of pounds over 10 years. Research found that 40% have never changed their pension provider, 21% have never changed banks, and 55% haven't changed utility providers in 3 years. This financial apathy could result in losses of £7,365 in pension value, £2,500 in savings interest from cash ISAs, and £5,120 from higher utility bills by not switching providers. The document encourages people to be more proactive in managing their finances to maximize savings and investments.
The document discusses Medicare spending and proposals for reforming the program. It shows that while Medicare spending growth has slowed in recent years, it still grows significantly faster than GDP. If trends continue, Medicare and other health spending will account for over 17% of GDP by 2037. The document proposes several reforms to make Medicare more sustainable, such as combining Parts A and B, limiting first dollar Medigap coverage, introducing competitive bidding similar to Part D, permanently fixing physician payments, and gradually raising the eligibility age in line with increasing longevity.
New capital ratio rules to be adopted at the next G20 meeting in Seoul in November should please banks, and European one in particular due to their core capital deficit, thanks to rather lenient rules and an implementation time frame that stretches until the end of 2018...
The document summarizes changes to Canada's mortgage industry over time. It notes that following the 2008 financial crisis, financing requirements tightened with the elimination of 100% financing, reduction in amortization periods from 40 to 35 years, and minimum credit scores. Further tightening in 2010 included requiring variable rate mortgages to qualify at higher posted rates and increased down payment requirements for investment properties. The mortgage industry continues adapting to regulations and economic conditions.
A reverse mortgage allows senior homeowners to convert the equity in their home into tax-free cash payments without having to make monthly mortgage payments. Key benefits include using the cash to fulfill dreams, afford healthcare costs or travel, improve one's home, and gain peace of mind. The document provides information on how reverse mortgages work, who qualifies, available payment options, and closing costs.
Hannah Masterjohn | Innovation Showcase | 2014 Solar SymposiumGW Solar Institute
This is an Ignite Style presentation (five minute max presentations with slides that automatically advance every 15 seconds) that was a part of the 2014 Solar Symposium Innovation Showcase.
Hannah Masterjohn, Program Director of New Markets, VoteSolar
Taking Shared Solar Nationwide: Find out how shared solar is expanding nationwide, how it differs from green tariffs, and how different states are attempting to use the policy as a tool to address barriers to low-income solar investments.
Ocwen Financial Corporation provided loan modifications and helped homeowners avoid foreclosure between 2008-2016. They completed approximately 75,000 loan modifications over this period, including 42,000 under the Home Affordable Modification Program (HAMP). In 2016, 39% of their loan modifications involved principal reduction. Ocwen led the industry in loan modifications, completing over 720,000 modifications since 2008, more HAMP principal reduction loans than the three largest servicers combined.
This document summarizes a presentation on the book "Energy Economics" which discusses energy as income and as a guarantee. It covers several key topics:
1) Energy production is important for a nation's wealth and costs, with exploration ratios declining over time. Domestic energy production avoids costly imports.
2) Energy conservation saves costs and is a form of income. Each nation can become its own energy supplier through renewable energy.
3) State-issued guarantees have lost value as western nations take on debt and lose industrial production. Emerging states have stronger credibility.
4) Transitioning to renewable energy through governmental guarantees and making energy a form of return on investment can restore trust in currencies and markets.
This document contains summaries of presentations given by Dr. Nigel Wilson, the CEO of Legal & General Group. It discusses the success of the UK's auto-enrollment pension system and proposes next steps to improve it. It also outlines Legal & General's investments in areas like housing, infrastructure, and healthcare and argues these investments provide long-term returns while creating social benefits. Finally, it proposes expanding auto-enrollment to include income protection insurance in order to provide greater financial security.
The document discusses the Green Deal program in the UK, which aims to promote energy efficiency upgrades for homes and buildings. It outlines that the Green Deal will be a market-led mechanism funded by private capital, allowing energy efficiency improvements with no upfront costs via repayments on energy bills. It also discusses the role of the Energy Company Obligation (ECO) in supporting households that may not be suited for Green Deal financing and focuses on hard to treat homes and vulnerable groups. Local authorities will work with the Department of Energy and Climate Change to deliver the Green Deal and ECO.
The document discusses recent changes to mortgage lending rules in Canada that restrict borrowing and make mortgages more expensive. Specifically, maximum amortization is now 25 years, maximum loan-to-value on refinances is 80%, and banks face limits on home equity lines of credit. Investors must put 20% down when purchasing rental properties. While these changes aim to restore stability, they may force consumers to carry higher-cost credit card or line of credit debt instead of consolidating with cheaper mortgages. However, the document argues that Canadian consumers have weathered economic challenges well by managing household debt responsibly, and that the housing market will remain robust in the long term.
Presentation from Duncan Milwain on social investment - in particular bonds.LeedsEmpties
Duncan Milwain, Head of The Charity and Social Enterprise Group at Lupton Fawcett Lee and Priestley, spoke at Leeds Empties event on investment and empty homes on 20 March 2013.
This document introduces the Solarize program, which aims to increase solar adoption in the Hudson Valley region. It explains that now is the best time to go solar due to discounts offered through Solarize (up to $3,850), NYSERDA incentives, and state and federal tax credits. Financing options are available such as loans through NYSERDA and RUPCO that can be paid back through energy savings or traditional loans. Site assessments are free for those who enroll in Solarize by September 12th. Installers participating in Solarize are pre-qualified, certified, and offer warranty protection.
This document summarizes 6 pension issues that should be concerning:
1) Inflation and its impact on current and future pensioners.
2) The case for retail collective defined contribution pensions.
3) Creating a value for money measure the public can understand.
4) Where additional voluntary contributions still make sense in the Local Government Pension Scheme.
5) The 655,000 economically inactive older workers.
6) Whether Russia has undermined environmental, social, and governance investing.
Financing Energy Efficiency: Overview and Lessons (Aceee presentation)HarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes Manitoba Hydro's on-bill tariff program which allows customers to finance upgrades through repayments on their energy bill at a subsidized 4% rate. The document emphasizes the importance of simple, streamlined programs delivered through contractor networks in order to scale up energy efficiency investments.
Financing Energy Efficiency: Overview and Lessons- ACEEE presentationHarcourtBrownEF
This document discusses financing options for energy efficiency upgrades. It provides details on several successful existing programs, including Keystone HELP which offers unsecured personal loans for energy upgrades at rates from 4.99-6.99%. It also describes the Manitoba Hydro Power Smart program, one of the most successful on-bill loan programs with over $200 million lent through 50,000 loans at a subsidized 4.9% rate. The document advocates for making financing programs simple and expanding successful existing models.
This PowerPoint is a discussion of options for financing clean energy. It describes financing processes, and outlines specific options related to on-bill financing structures, 3rd party structures and commercial lending structures. It was originally presented to RE-AMP, an organization of environmental advocates operating primarily in the Midwest.
Prospering from the Energy Revolution: Six in Sixty - Technology and Infrastr...KTN
Hear about one of the key facets of PFER, a £102m programme focussed on the integration of power, heat and transport and the business models needed to enable Smart Local Energy Systems (SLES) to scale towards net zero.
If you’re part of the smart systems community this session on Finance and Investment within the Prospering From the Energy Revolution (PFER) ISCF, part of the Six in Sixty mini-series is a must see. The fast-paced, quick-fire, hour-long webinar with a minimum of six speakers will continue the story of Smart Local Energy Systems (SLES) and PFER, focusing on the Finance and Investment pillar.
The document discusses how high financing costs significantly increase the cost of renewable energy in rapidly developing countries. It analyzes two potential financing mechanisms to lower these costs: indexing renewable energy tariffs to foreign currencies to improve access to lower-cost foreign debt, and using subsidized domestic debt to support renewable energy programs rather than higher direct subsidies or tariffs. Concessional debt programs could reduce the total project support needed and may be a more cost-effective way for governments to provide subsidies compared to price supports. Appropriate design of debt programs should allocate risks and costs to stakeholders best able to manage them.
Models for Financing Clean Energy- SWEEP 2009HarcourtBrownEF
This document summarizes several models for financing clean energy projects, including on-bill loans, on-bill tariffs, property tax programs, and third-party loans. It provides examples of successful programs in Pennsylvania, Manitoba, Connecticut, Kansas, Berkeley and Boulder. Key considerations for effective financing models include simplicity, sources of low-cost capital, loan terms that minimize monthly payments, managing credit and default risks, and partnering with utilities for on-bill collection where feasible. The most prominent examples highlighted are Pennsylvania's Keystone HELP program and Manitoba Hydro's on-bill loan program.
Financing Programs for Energy Efficiency: Utility RolesHarcourtBrownEF
This document discusses various approaches to designing energy efficiency financing programs. It notes that traditional rebates may not be the most cost-effective approach and that leveraging private capital through financing could be more effective if designed well. It then outlines different models for financing programs, including who provides the capital, types of credit enhancements, the role of utilities, and examples of programs using these approaches. The key is finding flexible capital that can be used to make loans more accessible while managing risks.
Pathway Lending, the Tennessee Bankers Association, and the Tennessee Housing Development Agency are working together to identify qualified developers, underwrite loan requests, and participate loans with Subscribing banks.
These loans provide developers with a long-term, fixed rate, permanent mortgage for their Low-Income Housing Tax Credit awarded developments. These loans also play a major role in improving economic conditions, incomes, taxes, and jobs in low-income communities across Tennessee.
Leverging Public and Private Investment for Nonpoint Source Pollution Prevent...Tony Uhl
The presentation proposes a public-private partnership (PPP) to reduce runoff pollution in Maryland's Chesapeake Bay. The PPP would use state funds to attract private investment for runoff reduction projects. It would implement various financial mechanisms like pollution credits, loan guarantees, and participatory loans. Pollution credits would establish a market-based system where certified credits representing pounds of reduced pollution could be bought and sold. Loan guarantees and participatory loans would partner private banks with the PPP to increase lending for green projects. The goals are to cost-effectively meet Maryland's 2025 pollution reduction targets and continue incentivizing growth in runoff reductions thereafter.
Submission to ACT inquiry into Emissions TargetsKevin Cox
The ACT (Australia) Legislative Assembly set up an enquiry into whether the ACT should set its own emissions targets to help in the battle to reduce green house gas concentrations. This presentation is in support of a submission.
BLP Financial Corp offers a structured debt platform that can provide cash to capitalize client companies without further diluting their ownership. The platform converts current and future payment obligations from investment-grade entities into immediate cash through an assignment of the unconditional promise to pay from the rated company to the borrowing company. This transaction remains off the rated company's balance sheet. The structured debt platform requires a minimum funding of $10 million with single-digit interest rates and closing within 30-45 days while allowing the borrowing company to retain control without requiring board seats or equity.
This document provides an overview of options for repaying student loans, including getting organized, setting up automatic payments, dealing with financial difficulty, and avoiding default. It discusses federal loan repayment plans, income-based repayment, loan forgiveness, consolidation, deferment, forbearance, bankruptcy, and resources for assistance.
What is the Enterprise Finance Loan Guarantee Scheme?BizSmart Select
This is a government back scheme that’s been around for a long time to help small businesses get finance. We will look at what how it works and how and why it can be used. We will also look at why banks are often not very keen and will dispel some of the myths circulating about being miss-sold an EFG.
Funding of New and existing stressed assets opportunities and challengesAnandkasturi4
- The COVID-19 pandemic and resulting lockdowns have severely impacted economies worldwide, with GDP declining significantly in many countries including India. Unemployment rates have also risen sharply.
- Non-performing assets for banks are expected to increase substantially. In India, NPAs may exceed 16 trillion rupees by March 2021. This presents opportunities for asset reconstruction companies and special situation funds.
- Governments are taking measures to support their economies, with the US approving $2.5 trillion in funding or 11.2% of GDP. India's support is 5.1% of GDP, lower than many other countries.
- Regulatory changes in India aim to boost funding for MSMEs and allow debt
The Government will commit $5.5 billion over the next 5 years in tax benefits, grants and training subsidies towards the national effort to raise productivity by upgrading skills and supporting enterprise investments in innovation.
This document discusses the tax planning strategy of income splitting through non-arm's length interest-free loans between family members. It notes that until March 31, 2012, attribution rules do not apply to loans made at the prescribed interest rate of 1%. Making a loan at the 1% rate allows high-income family members to transfer investment income to be taxed in the hands of lower-income family members, resulting in overall tax savings for the family. Several examples are provided to illustrate how the strategy can significantly reduce taxes over time through compounding returns on the income transferred.
Coalition for Green Capital and the Green Bank Movement CGC CGC
The Coalition for Green Capital is a nonprofit organization that advocates for the establishment of green banks at the state and federal level to increase financing for clean energy projects. The Coalition works with states to develop green bank models, designs financial products to stimulate clean energy markets, and brings states together to collaborate. Green banks lower financing costs for clean energy by accessing low-cost capital and reusing funds multiple times to attract greater private investment over time.
The document discusses trust in identity credentials. It focuses on how identity credentials like email addresses are used to verify who someone is online and in digital transactions. However, there are concerns about the ability to trust that the person using an identity credential is who they claim to be.
Zero Interest Loans for Energy SustainabilityKevin Cox
Presentation given at the Australian Green Institute Seminar at Melbourne October 24th 2009.
Describes an alternative to carbon taxes and carbon trading in its many forms to encouraging investment in ways to reduce green house gas concentrations in the atmosphere. Allows us to get to zero emissions within ten years if we so choose.
The normal method of electronic identification is to identity people by their labels. That is their name, their different forms of id or "their number". Identity by presence gives individuals a different way to identify themselves electronically and that is to have a one or more representations of themselves in cyberspace so that they are identified by their presence. The approach is privacy friendly, inexpensive and changes the dynamics and possibilities for electronic communication and interaction. It makes - for example - id cards obsolete, enables secret electronic voting, brings responsibility to electronic communication while preserving anonymity.
This was our original proposal for http://www.katelundy.com.au/2009/05/29/public-sphere-2-open-government-policy-and-practice/ - it was replaced by Identity By Presence - Take 2.
This document discusses rewarding frugal behavior to reduce emissions. It presents arguments for and against a rewards system, and provides contact information for the authors and related resources. Specifically, it argues that a rewards system would be cheaper than existing approaches and could be enforced through open and transparent tracking of spending, while critics argue it may be too expensive to implement and compliance could not be ensured.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
7. Cost of Money Interest charges on printed money is zero Interest charges on loans is 7% for existing assets Expected returns on equity is 20%+fornew assets Zero interest loans with repayments from earnings
8. Why don’t we print money to pay for renewable investment? Print too much money andit causes inflation No control mechanism to allocate money Difficult to ensure money invested in renewables
9. Solution Government decides how much to invest and the area of investment Government gives the right to get zero interest loans for this total amount divided equally between residents Banks give zero interest loans backed by government that must be invested in ways to reduce ghg emissions 10% refundable deposit for a loan Rights to loans can be sold
10. Compliance Refundable Deposit Ability to sell the right Income from investment and repayments established at the time of the contract ghg reductions reported when it happens Automatic repayments Anyone who abuses the system is banned from further participation in the loans scheme
11. Outcomes Renewables IMMEDIATELY a better investment than fossil burning plants. Fossil burning plants can be given loan rights for compensation if they decommission plants Capital costs reduce by 15% to 50% each time capacity doubles Energy savings will be thefirstinvestments Other incentives can be built in related to cost per kg saved Zero Net Emissions within 10 years is achievable
12. What happens next Work out investment opportunities in reducing emissions Work out how the investments can be monitored so that the system rules are obeyed Get a government or large organisation to set up a system Finance the construction of the system through zero interest loans
13. Contact Kevin Cox Contact me if you are interested in more information or would like to become involved in a campaign to get a government to adopt zero interest loans My linkedin contact is http://www.linkedin.com/in/kevinrosscox