Exciting New Lender Developments for Communities and Home Salessecoshare
Successful filing of vacant lots in communities/ LLCs involves attractive financing to acquire homes coupled with either seller financing (eg – lease option) or conventional loans for the home buyers. This session will cover two of those necessary components: a very attractive program involving conventional financing of the home buyers, eliminating the need for seller-financing.
Moderator: David Provita
Presenter: Larry Mathews, President of American Commerce Bank and Jerry Bretton, Mountainside Financial
Loan delinquencies across the metro area have reached a new low. After spiking during the recession and leveling off, there has been a sharp decline since 2012. With an improving market banks are starting to increase lending.
Exciting New Lender Developments for Communities and Home Salessecoshare
Successful filing of vacant lots in communities/ LLCs involves attractive financing to acquire homes coupled with either seller financing (eg – lease option) or conventional loans for the home buyers. This session will cover two of those necessary components: a very attractive program involving conventional financing of the home buyers, eliminating the need for seller-financing.
Moderator: David Provita
Presenter: Larry Mathews, President of American Commerce Bank and Jerry Bretton, Mountainside Financial
Loan delinquencies across the metro area have reached a new low. After spiking during the recession and leveling off, there has been a sharp decline since 2012. With an improving market banks are starting to increase lending.
Filing for Bankruptcy in Houston is now easy with our professional law firm. Our expert team of lawyers provide every kind of bankruptcy services. You will get the best effort from us to come from any issue regarding bankrupt.
Columbia National Real Estate Finance Q1 Capital Markets Report Justin Brindger
Columbia National Real Estate Finance is pleased to present our Q1 Capital Markets Report. The information included has been put together through our team’s extensive market research and analysis as well as data collected at the Mortgage Bankers Association conference, recently held in San Diego, California. We expect to continue to produce quarterly updates covering everything from the latest financing trends to information specific to each capital source.
With different stages of life come different income levels and financing requirements. From student loans to home mortgages, Canadians have amassed $1.8 trillion in total household debt - double what it was a decade ago. To understand how we got here, let's take a look at Canadian attitudes towards debt, and how borrowing needs change throughout a typical lifetime.
It was our pleasure to have Mortgage Banking Association President & CEO David Stevens at our annual conference at Boyne mountain this year. Please join the Mortgage Action Alliance to find out the latest news and help guide the historical changes coming out of Washington right now!
Click this link to stay informed with the mortgage action alliance http://www.mbaa.org/Advocacy/MortgageActionAlliance/MAASignup.htm
Read the The FHA Solvency Act of 2013 http://www.banking.senate.gov/public/index.cfm?FuseAction=Files.View&FileStore_id=76ccb8b5-2cf3-4a3f-b40b-47f0b90aa957
Read the Corker-Warner Jumpstart GSE Reform Act.
http://www.govtrack.us/congress/bills/113/hr2348/text
The Impact of Universal Credit - National Housing Federation ConferencePolicy in Practice
Deven Ghelani presented about The Impact of Universal Credit at this National Housing Federation Conference on 21 June 2018 in Manchester.
In his session, accompanied by Donna Gallagher who has just joined Policy in Practice from Your Homes Newcastle, Deven shared analysis and policy commentary about how Universal Credit is impacting social housing tenants.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
State of the Industry with Eddie Speed from NoteSchool. Take a look and let us know what you think!
http://noteschool.com
http://facebook.com/noteschool
Toronto Mortgage Broker Brad Compton talks about the future of Canadian Mortgage Rates as well as the details of the recent Mortgage Regulation Changes in Canada. You might be surprised who is actually behind te recent changes.
Filing for Bankruptcy in Houston is now easy with our professional law firm. Our expert team of lawyers provide every kind of bankruptcy services. You will get the best effort from us to come from any issue regarding bankrupt.
Columbia National Real Estate Finance Q1 Capital Markets Report Justin Brindger
Columbia National Real Estate Finance is pleased to present our Q1 Capital Markets Report. The information included has been put together through our team’s extensive market research and analysis as well as data collected at the Mortgage Bankers Association conference, recently held in San Diego, California. We expect to continue to produce quarterly updates covering everything from the latest financing trends to information specific to each capital source.
With different stages of life come different income levels and financing requirements. From student loans to home mortgages, Canadians have amassed $1.8 trillion in total household debt - double what it was a decade ago. To understand how we got here, let's take a look at Canadian attitudes towards debt, and how borrowing needs change throughout a typical lifetime.
It was our pleasure to have Mortgage Banking Association President & CEO David Stevens at our annual conference at Boyne mountain this year. Please join the Mortgage Action Alliance to find out the latest news and help guide the historical changes coming out of Washington right now!
Click this link to stay informed with the mortgage action alliance http://www.mbaa.org/Advocacy/MortgageActionAlliance/MAASignup.htm
Read the The FHA Solvency Act of 2013 http://www.banking.senate.gov/public/index.cfm?FuseAction=Files.View&FileStore_id=76ccb8b5-2cf3-4a3f-b40b-47f0b90aa957
Read the Corker-Warner Jumpstart GSE Reform Act.
http://www.govtrack.us/congress/bills/113/hr2348/text
The Impact of Universal Credit - National Housing Federation ConferencePolicy in Practice
Deven Ghelani presented about The Impact of Universal Credit at this National Housing Federation Conference on 21 June 2018 in Manchester.
In his session, accompanied by Donna Gallagher who has just joined Policy in Practice from Your Homes Newcastle, Deven shared analysis and policy commentary about how Universal Credit is impacting social housing tenants.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
State of the Industry with Eddie Speed from NoteSchool. Take a look and let us know what you think!
http://noteschool.com
http://facebook.com/noteschool
Toronto Mortgage Broker Brad Compton talks about the future of Canadian Mortgage Rates as well as the details of the recent Mortgage Regulation Changes in Canada. You might be surprised who is actually behind te recent changes.
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
In today’s economic climate falling into debt is perilously easy, getting out is hard. Firms in the debt sector have adopted flexible and ethical collection practices to support families who are struggling, yet costs and the time taken to collect have increased.
This Policy in Practice webinar featured guest speakers Carole Kenney, Director, Welfare and Customer Care, Gareth McNab, Social Inclusion Lead, Nationwide Building Society who spoke alongside Zoe Charlesworth, Director of Policy and Operations, Policy in Practice, and Sarah Lambert, Affordability Assessment Manager, Policy in Practice.
Whether you’re a collection agency, utility company, advice organisation, local authority or housing association, you’re on the frontline for helping people in debt.
You can boost the financial resilience of households by helping them to increase their income. In this way, you can increase collection rates and social impact, in the knowledge that you’re doing the right thing.
In this webinar we discussed:
- How COVID-19 has already hit people’s incomes, and what’s in store
- Who the newly vulnerable households are
- How to reduce existing arrears and the chance of a customer falling into arrears
- How to minimise the cost of debt collection
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Deven Ghelani, Director and founder of Policy in Practice, was invited to speak at the CIVEA Annual Conference 2019 on the topic of personal debt and financial resilience.
In his session ahead of the Q&A with the panel Deven talked about the general impact of welfare policies on our living standards, the Cabinet Office's Re-imagine Debt programme and government's recognition of this and then Policy in Practice's new research on transitioning to Universal Credit.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
2009 Deuel County Housing Assessment Updated Key Findings 1stJoan Sacrison
This Housing Assessment was conducted and presented by Brian Hoffman, the Executive Director at the time. She since left her position in 2011. This is the housing assessment that presented at that time. I believe the date was 7/2009.
On 4th December 2015 the Big Lottery Fund and CBO evaluation team ran a peer learning event for people developing SIBs related to employment, housing and crime. These slides are from the afternoon workshop on working with investors.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
Everything you need to know about the top economic stories from September 2014, including the Bank of England base rate voting split, lower unemployment rate and the No vote for Scottish independence.
On 11th February 2016 the Big Lottery Fund and CBO evaluation team ran a peer learning event for people developing SIBs related to health. These slides are from the workshop on working with investors.
A full report of proceedings at MALG's Annual Conference and Exhibition 2015, which took place at the Royal College of Physicians Wednesday 25th November.
Both delegates and those connecting to the MALG conference digitally are invited to take part in a Twitter Poll that considers questions to be discussed during the panel debate on the day.
MALG has been using digital media to extend the reach of its Annual Conference and Exhibition since 2012. By 2014, its presence as a virtual, as well as real time event was established.
MALG14 Keynote Address by Zach Lewy, Founder and Executive Director of Arrow Global, considering the conference title: "Ticking the box on problem debt - job done then?"
The first of four MALG14 workshops, considering: “Who has benefited from the April Bailiff Reforms and have we seen aggressive bailiffs disappear for good?”
A full report of proceedings at MALG's Annual Conference and Exhibition 2014, which took place at the Royal College of Physicians Wednesday 19th November.
Both delegates and those connecting to the MALG conference digitally are invited to take part in a Twitter Poll that considers questions to be discussed during the panel debate on the day.
Programme for MALG's Annual Conference and Exhibition, which took place on Wednesday November 19th at the Royal College of Physicians. The theme was Ticking the box on problem debt - job done then? The event was chaired by Headlinemoney Financial Broadcast Journalist of the Year Paul Lewis.
More from Money Advice Liaison Group (conference) (16)
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
The European Unemployment Puzzle: implications from population aging
#MALG14 Workshop C - Household Budgets - Slideset
1. Household budgets have
substantially changed over recent
years - what now determines
affordability?
Claire King, Insight Manager, Money Advice Trust
Jane Tully, Head of Insight and Engagement, Money Advice
Trust
Martin Roseweir, Managing Director, Allied International Credit
Presenters:
Yvonne MacDermid OBE, Chief Executive, Money Advice
Scotland
Facilitator:
Vanora McCullagh, Creditor Liaison Manager, Debt Advisory
Line and representing MALG’s Midlands Discussion Forum
Scribe:
3. Rising costs of living: Rent
! More people are struggling with
rent arrears
! Growth in demand for private
rented properties. Private renters
now the 2nd largest tenure in
England
! Renters (private and social) tend
to spend proportionally more of
their income, on housing than
mortgagors
! Cost of renting privately is soaring
! For those renting socially, welfare reforms are having an impact on
capacity to meet rent payments
4. Rising costs of living: Mortgage
! Propor%on
of
households
in
mortgage
arrears
and
possessions
rose
steeply
following
the
crash
in
2007,
but
is
slowly
declining
! Mortgage
holders
have
been
protected
by
low
interest
rates
in
recent
years,
but
many
may
not
be
able
to
swallow
a
rise
in
interest
rates
! Those taking out mortgages now are paying more than before
5. Rising costs of living: Council Tax
! Council tax arrears are our
fastest growing debt for the
past 2 years.
! May partly be due to changes in
council tax benefit impacting on
low income households
8. A new model of debt problem
! ShiA
from
‘change
of
circumstance’
focused
to
‘deficit
budget’
focused
model
of
debt
problem
! Households
are
puFng
themselves
at
financial
and
personal
risk
in
an
aHempt
to
cut
back
Propor%on
of
households
in
each
income
quin%le
without
home
contents
insurance
9. Determining affordability: why a
budget works
! Opens up discussion
! Gives clarity
! Provides transparency
! Drives an holistic
approach
! Supports long-term
financial wellbeing
13. How
do
we
validate?
• Trust
• Conversa%on
• Sustainability
• Compliance
• Training
(Ques%oning
and
understanding
household
budgets)
• Debt
Advice
Audits
• Common
Financial
Statement
14. Why
is
understanding
affordability
important?
• TCF
Trea%ng
Customer
Fairly
is
now
embedded
into
organisa%ons
and
really
adds
emphasis
on
how
we
deal
with
customers
•
Regula%on
CONC
sourcebook
sets
the
expecta%ons
•
Sustainability
Reducing
unnecessary
contact
with
the
customer
due
to
non-‐payment
•
Signpos%ng
Ensures
the
customer
is
aware
of
all
op%ons
15. How
do
we
make
it
work?
Agency
Customer
• Repayment
book
• Absorbing
upfront
costs
• Increasing
and
developing
training
• Recruitment
process
• Peace
of
mind
• Affordable
/
Sustainable
• Trust
• Improving
percep%on
16. Impact
of
Reducing
Disposable
Income?
In
the
last
18
months
our
average
payment
has
decreased
from
£25.60
to
£22.27
We
have
14.21%
of
customers
dealing
with
a
financial
advice
company
compared
to
12.55%
12
months
ago