Financial Inclusion and Housing - Spotlight on Homelessness
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The document discusses financial inclusion initiatives in Wales. It lists several financial inclusion forums and partnerships across different regions in Wales. It then provides details on various programs and services to support financial inclusion, such as maintaining tenancies, income maximization, financial advice, credit unions, housing debt helplines, and money guidance services. It also lists partnerships between credit unions, local authorities, and other organizations, and programs funded to expand credit union membership and services.
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- How to reduce existing arrears and the chance of a customer falling into arrears
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For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
C-Adcock-Report-Example
This document summarizes the achievements and future plans of the Financial Inclusion Project in Rotherham. Some key achievements include securing over £1 million in funding, establishing partnerships to increase access to affordable credit and advice, and delivering financial capability training to over 120 people. Moving forward, the project aims to maintain momentum, continue focusing on vulnerable groups, increase advice capacity, expand credit union services, and strengthen partnerships with organizations in housing, health, and employment. The overall goal is to sustainably improve financial inclusion in Rotherham.
Carewise West Sussex Funding Advice Scheme
Presentation delivered by Tim Anslee, The Wealth Care Partnership; Ruth Corden, West Sussex County Council and Lynda Ryan, Age UK West Sussex for TLAP's Information, Advice and Brokerage workshop for Care Act compliance.
Financial Inclusion Strategy for Wales - Taking Everyone into Account
The Financial Inclusion Strategy for Wales aims to improve access to financial services and education through collaborative efforts. It identifies five strategic themes: access to banking and affordable credit, access to debt and financial advice, improving financial literacy, and maximizing income through claiming eligible benefits. The strategy recognizes that financially excluded individuals often live in social housing and aims to engage housing providers to help residents access services like banking, credit unions, money advice, and education programs to improve their financial capability. Significant contributions to advance financial inclusion in Wales include establishing teams to promote inclusion, developing education programs in schools, and securing funding to support credit unions and combat predatory lending.
Woolavington and Puriton Big Local - overview presentation
This document provides information about the Big Local program in the Woolavington and Puriton areas. Big Local will provide over £1 million for residents to improve their community over 10 years. It is a resident-led initiative to identify local needs and take action to make the area "an even better place to live." The document outlines the key features of Big Local, the pathway communities will take which involves getting people involved, developing a vision, forming a partnership, creating a plan, implementation, evaluation and review. It provides contact information for the Big Local representative and next steps for the Woolavington and Puriton communities.
Maximising your money - hints, tips and tools for all NHS Staff
Do you have a role in workforce, occupational health, organisational development, leadership, trade union support or other area that is supporting the wellbeing of our NHS people during and following the Covid-19 response?
Designing effective data-led local authorities
In this Policy in Practice webinar Deven Ghelani and Louise Murphy were joined by Mark Fowler, Community Solutions Director for London Borough of Barking and Dagenham to talk about designing effective data-led local authorities.
Today's forward thinking local authorities are adopting a data led approach to deliver the highest quality, people-centred services for their residents. By applying smart analysis techniques to their data, councils are developing big ideas for change that are working in their areas.
In the latest of our webinars showcasing how public sector administrative data is being used for good, join us to hear how our guest speakers are using data to transform their organisations intelligently.
Listen back to hear how data analysis has:
- Helped redesign corporate strategy
- Enabled services to be redesigned around residents
- Evidenced service need that's driven decision making
To find out more visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Yorks IoF - Sheffield Hallam Sept 09
The Institute of Fundraising is a membership organization for fundraising professionals in the UK. It aims to provide support, professional development opportunities, and collective representation to the fundraising sector. Key activities of the Institute include providing training and resources to members, influencing policy and legislation, organizing networking events, and increasing awareness of fundraising through media relations. The Institute has national and regional groups to serve members across different areas of the UK.
Bridging-the-gap-Final-Web
This document summarizes a report by the Northwest Queens Financial Education Network (NQFEN) on barriers to financial empowerment for immigrants in Northwest Queens, New York.
Key findings from surveys of immigrant consumers include: 1) Immigrants regularly save money but face barriers using banks due to lack of language access and hidden fees; 2) While many have bank accounts, almost half have closed accounts due to fees; 3) Community-based organizations are best positioned to provide culturally-appropriate financial services.
The report recommends that policymakers and banks: 1) Increase funding for community organizations' financial services; 2) Reduce bank fees and improve language access; 3) Leverage laws like the Community Reinvestment Act and
ABFL Case Study - Manchester City Council Final v1
Manchester City Council sought new ways to deliver youth services despite future financial challenges. ABFL consulted on developing service options and delivery models through an options appraisal and implementation plan. This included stakeholder engagement and consideration of current providers. ABFL's findings proposed realigning commissioning strategies from 2016 onward to adopt appropriate options within financial constraints identified through evaluating the current position.
Universal Credit - where next for social policy?
At IRRV Scotland Conference 2018 in Crieff Deven Ghelani, Founder and Director of Policy in Practice, was invited to speak about analysis and policy updates on Universal Credit.
In his presentation Deven talked about the Social Security Act in Scotland and Universal Credit, covering how different demographic groups are likely to be impacted. He highlighted analysis that Scottish local authorities can do with the household level data they collect on their local income households and gave examples of how other local authorities use this data to identify, target and track vulnerability.
For further details please contact hello@policyinpractice.co.uk or visit www.policyinpractice.co.uk.
Awareness raising presentation
This document provides information on financial inclusion, including defining what it means, its impacts, and resources available to address it. It notes that financial inclusion is about providing access to financial services and products to fully participate in society. It also discusses factors that may contribute to financial exclusion, such as income level, and impacts such as being in fuel poverty. The document outlines how to identify financial inclusion issues and provides guidance on signposting or referring clients to appropriate resources and organizations for support.
ABFL Case Study - Brent Council Final v1
Brent Council faced reducing its youth services budget from £1.4m to £0.4m and sought new ways to deliver services through the Delivering Differently Programme for Young People. ABFL consulted with Brent Council and local stakeholders to develop options for delivering youth services with fewer resources. These options were proposed along with an implementation plan. Brent Council selected its future pathway based on the consultation and will use the report to help implement the agreed changes starting in 2016.
How data can help identify people at risk of homelessness
This document summarizes how data can be used to identify people at risk of homelessness. It presents case studies of five local councils - Croydon, Luton, Barking and Dagenham, Royal Borough of Greenwich, and Guinness Group - that have used household data to target vulnerable people for support. The case studies show how the councils analyzed financial and benefits data to identify at-risk households, engaged with them proactively, and tracked the impact of interventions, with outcomes like increased incomes, fewer arrears and homeless applications, and lower use of food banks. The document argues that data-driven approaches can help councils meet new homelessness prevention responsibilities and design services focused on early intervention.
Breathing space: the impact on local authorities
Deven Ghelani spoke at Destin Solutions webinar on the impact the Breathing Space policy will have on local authorities.
View these slides to find out:
- The context for debt and collections in the UK
- What is Breathing Space?
- The impact on council tax collection
- Our findings for the GLA
- The case for early intervention: ReImagine Debt
For more details call 0330 088 9242
https://policyinpractice.co.uk/webinar-how-to-influence-central-government/
Policy review of the year and forward look to 2021
2020 has brought fundamental changes to our lives, both personally and professionally. As our economy took second place to our health, so the welfare safety net came to the fore to support families who faced an income shock, seemingly overnight.
In this webinar Deven Ghelani, Zoe Charlesworth, Paul Howarth and Duncan Hatfield looked back at the policy response to the seismic shifts in our economy and society wrought by the pandemic. We revisited the research findings we uncovered from our analysis for clients across both local and central government. And, as the focus turns to the health of our economy, we look at what 2021 means for people facing redundancy, debt or lower incomes.
Listen back to the webinar to hear:
- How well the COVID-19 welfare changes worked, and what should happen next
- How living standards changed this year, and what the future holds
- The outlook for 2021 and how organisations can best support families
Our policy experts will discuss our analysis and what this means in 2021 for council tax support schemes, housing and homelessness demand, the outlook for living standards in the context of economic recovery, Universal Credit and Brexit.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Pdfversion 0 37
This document provides information on various ways to fund horticultural projects, including fundraising from individuals, companies, and local organizations. It outlines six main types of funding: 1) fundraising from the public and companies, 2) funding from local organizations and authorities, 3) charitable trusts and foundations, 4) National Lottery funds, 5) statutory and government sources, and 6) European funding. It also provides contacts and resources for obtaining additional information on these various funding opportunities.
Causeway: Social Finance Orientation
This document outlines the concept of social finance and the potential for a national collaboration in Canada called CAUSEWAY. Social finance aims to generate both financial returns and social/environmental benefits. It exists on a continuum between traditional investments and grants. CAUSEWAY would work to develop new financial pathways in Canada for investing in public benefit through activities like convening stakeholders, supporting product and policy development, and building knowledge in the field.
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Financial Inclusion Strategy for Wales - Taking Everyone into Account
Financial Inclusion Strategy for Wales - Taking Everyone into Account
Woolavington and Puriton Big Local - overview presentation
Woolavington and Puriton Big Local - overview presentation
Maximising your money - hints, tips and tools for all NHS Staff
Maximising your money - hints, tips and tools for all NHS Staff
ABFL Case Study - Manchester City Council Final v1
ABFL Case Study - Manchester City Council Final v1
How data can help identify people at risk of homelessness
How data can help identify people at risk of homelessness
Policy review of the year and forward look to 2021
Policy review of the year and forward look to 2021
More from Wales Co-operative Centre
Daniel Tyte Social Enterprise + Social Media = Social Good
Social media has become mainstream and is empowering individuals and communities in the same way as social enterprises. The document discusses how social enterprises can use social media to find and engage with key influencers and communities, provide insights into their work, and have ongoing conversations rather than one-off campaigns. It provides tips and case studies on using tools like Twitter, Facebook, YouTube and blogs to connect with people and share stories.
Financial Inclusion and Homelessness
The document outlines Wales' Ten Year Homelessness Plan which aims to prevent homelessness through early advice and financial inclusion. The plan focuses on minimizing mortgage repossessions, developing the private rental sector, sustaining tenancies, and improving statutory frameworks. It will be implemented through short-term action plans developed in partnership and monitored for progress. The plan also discusses funding support services like Shelter Cymru, housing advice programs, and initiatives to improve access to financial and debt management assistance.
Mortgage Rescue Scheme
The Mortgage Rescue Scheme provides £9.5 million in social housing grants each year to help families facing homelessness due to difficulties paying their mortgages; it does this by providing equity loans to reduce mortgage payments or allowing housing associations to purchase the property so the family can remain as tenants. To qualify, one must have their lender commence legal action, housing must be the primary residence, and the homeowner must be unable to sell and buy cheaper housing; over 350 families have been helped through approvals and purchases under the program so far.
Housing Debt Helpline Wales
The Housing Debt Helpline Wales offers free and impartial support to homeowners and renters struggling to pay their mortgages or rent. They provide calming emergency advice, create realistic budgets, and assess potential debt solutions tailored to each client's needs. Referrals can be made for anyone currently in or at risk of falling behind on housing payments or using credit to pay bills. The helpline aims to help through structured action plans and ongoing support from guidance teams.
Financial Inclusion and Homelessness Prevention
The document discusses embedding financial inclusion strategies into homelessness prevention efforts. It notes that the main drivers of homelessness are relationships breaking down, rent and mortgage arrears, and the end of assured shorthold tenancies. Financial difficulties experienced by 60% of tenants in housing benefit and many private landlords expecting to evict for rent arrears further link financial exclusion to homelessness. The presentation advocates identifying clients' financial issues early and referring them to services like debt advice, welfare benefits assistance, credit unions, and support for vulnerable tenants to help prevent homelessness and promote housing stability.
Local Housing Allowance - Tenant Support Account
Angela Jones discusses a local housing allowance program that pays tenants' rent directly to their credit union accounts. The credit union then passes the funds to the landlord on the tenant's behalf to avoid temptation that could arise if rent money was paid into tenants' personal bank accounts. The program allows 95% of the rent payment to go to landlords and deducts a 2.5% management fee and allows tenants to save the remaining 2.5% in a Christmas savings account.
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一比一原版(UCSB毕业证)圣芭芭拉分校毕业证如何办理
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Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
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留信网认证的作用:
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SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptx
SWAIAP Fraud Risk Mitigation Prof Oyedokun.pptxGodwin Emmanuel Oyedokun MBA MSc PhD FCA FCTI FCNA CFE FFAR
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
5 Tips for Creating Standard Financial Reports
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.
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.Seminar: Gender Board Diversity through Ownership Networks
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What price will pi network be listed on exchanges
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
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.
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An Overview of the Prosocial dHEDGE Vault works
How the prosocial dHEDGE earns you money while saving the world!
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