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The latest report on the financial statements of Welsh housing associations reveals a continued trend of resilience from the sector.
The report backs up the highly regarded status of the sector amongst industry peers, including CBI Cymru, who recently gave their backing to the Homes for Wales campaign’s call that investing in housing makes business sense for Wales. Following his appointment as First Minister, Carwyn Jones AM yesterday announced the new cabinet of the Welsh Government.
The housing brief returns to Carl Sargeant AM under the renamed portfolio of Communities and Children.
The appointment of Kirsty Williams AM as Cabinet Secretary for Education will need to be ratified by a special Welsh Lib Dem conference tomorrow and does not constitute a coalition agreement, according to the First Minister.
A statement by the Lib Dems said Kirsty Williams and the First Minister reached a Progressive Agreement between the two parties to work together in Government. All parties in the Cabinet supported the Homes for Wales campaign in the run up to the election and it’s great to see cross-party working on common issues such as housing. Welsh Labour leader Carwyn Jones has been reappointed as First Minister following last week’s tied vote with Leanne Wood. Carwyn Jones has confirmed that his party will not bring forward legislation in the first 100 days in order to establish a new way of law-making. The Welsh housing sector is calling on the new Welsh Government to recognise the vital impact housing has on health, education and the economy in Wales by committing to an ambitious plan for housing in their new Programme for Government.
Following yesterday’s National Assembly for Wales election, Labour has secured 29 seats to remain the biggest party in the Assembly. Sixteen years ago, Community Housing Cymru set up an Award scheme to recognise housing innovation in memory of a special person - Pat Chown.
As a way of remembering Pat, her contribution to housing and her constant search for better ways of doing things, Community Housing Cymru is inviting entries for the Capturing Creativity Award.
The Award judges will be looking for entries which demonstrate that the project has been ground-breaking. To find out more about the award, go to CHC's blog to read a post by John Chown, member of the judging panel. Community Housing Cymru (CHC), the membership body for Welsh housing associations, has appointed its new Director of Policy. Clarissa, who is originally from Swansea, will head up CHC’s Policy and External Affairs team.
Some of Wales’ leading business figures have given their backing to the Homes for Wales campaign. A variety of top Welsh business leaders, including Federation of Small Businesses Wales, CBI Cymru, Welsh ICE, Pro Steel Engineering and Learning and Work Institute Wales, have added their voice to the Homes for Wales campaign via social media to support the need for continued investment in housing.
Backing from the business world for the Homes for Wales campaign comes in addition to the thousands who have supported in person at a rally in Cardiff earlier this month, online and via social media.
At the Rural Regeneration Conference in March 2015, the Minister announced a two year funding commitment for Rural Housing Enablers in Wales. Hundreds of people are set to attend the Homes for Wales rally which takes place in Cardiff today (4 March). Supporters will travel from all over Wales to highlight that housing needs to be a key political issue ahead of May’s National Assembly for Wales elections. This public-facing campaign aims to shine the spotlight on how the housing crisis is impacting people in Wales in different ways.
Over a thousand people have supported the campaign online and celebrity supporters include Hollywood actor Michael Sheen, Welsh legend Max Boyce, Welsh comedian Rhod Gilbert, Welsh film producer and actor Jonny Owen and BAFTA award-winning actress Vicky McClure. The Department for Work and Pensions has today announced a one year exception to the Local Housing Allowance cap for supported accommodation in the social housing sector. Further guidance will be issued by the DWP shortly, but the statement highlighted refuges for those fleeing domestic abuse, homeless provision, housing for ex-offenders and supported housing for older people and disabled people as examples of accommodation subject to the exception. Community Housing Cymru welcomes today’s announcement which follows several months of lobbying from the housing sector, along with continued dialogue with the DWP, but we remain concerned about the implications of the policy. The one year pause in applying the cap to supported accommodation gives DWP the opportunity to continue their strategic review of supported housing through Ipsos MORI, but it does not offer certainty to tenants or social housing providers over the future of supported housing. Our recent survey of Welsh housing associations found that the rent for 57% of supported accommodation is over the current LHA rate, and we are clear that the UK Government’s offer of a slight increase in DHP is inadequate. The Local Housing Allowance cap will still apply to all other new tenancies signed from April 2016, with any cut to housing benefit applicable from April 2018, and CHC’s priority will now be to ascertain the exact details of this policy which are still unclear. This investment will also provide a boost to employment in Wales supporting up to 800 jobs - including 300 in the design and build of new schools in our communities and 500 in providing affordable housing. Alongside the additional capital investment, the Minister has also published an update of the Wales Infrastructure Investment Plan project pipeline in line with our ambition of providing a comprehensive picture of infrastructure investment across Wales.
The Department for Work and Pensions has since clarified that the cap will also be applied to housing benefit for tenants in supported and sheltered housing. Supported Housing is accommodation designated for some of the most vulnerable people in our communities. The provision of this additional support incurs a greater cost for landlords than the provision of general needs housing, and this is reflected through higher levels of rent. We are in the process of modelling the impact of these changes and gathering evidence to highlight the risk it presents to providers of supported and sheltered housing.
To be clear, cuts of this scale will threaten the viability of supported and specified accommodation in the social rented sector in the future. Meanwhile, under 35s will see their rental income capped at the Shared Accommodation rate under LHA. The application of the under 35s Shared Accommodation Rate to social rented tenancies is of concern to us beyond the direct impact it would have on the funding of supported housing.
As stated by our partners in Scotland and England, we are concerned about the Government’s proposal in the Spending Review which states that Discretionary Housing Payment will be the vehicle for dealing with some of the resulting shortfall for supported housing. The Discretionary Housing Payments system is not designed or funded to meet all requests for assistance and to rely on it to help those in supported housing with a new benefit cap would leave local authorities to decide between individuals with varying levels of support needs. The impact of the LHA cap will be felt very soon as new tenants in supported housing from 1st April 2016 will face uncertainty about their future ability to pay their rent. For further information on capping housing benefit to LHA rate, please read our in depth briefing. Welsh Government has today announced the members of the new independent Regulatory Board for Wales. Ground-breaking legislation to improve the lives of the one million people in Wales who rent their home, has today been granted Royal Assent by Her Majesty the Queen.
The Renting Homes (Wales) Act 2016 will make renting a home simpler and easier, replacing various and complex pieces of existing legislation with one clear legal framework. A Bill receives Royal Assent when Letters Patent under the Welsh Seal signed with Her Majesty’s own hand signifying Her Assent are notified to the Clerk of the Assembly. The First Minister of Wales, as Keeper of the Welsh Seal, applied the Seal to the Letters Patent in a ceremony in Cardiff earlier today.
Homes for Wales is a coalition led by Community Housing Cymru, Care & Repair Cymru, CIH Cymru, Shelter Cymru, Welsh Tenants, Home Builders Federation, Residential Landlords Association and RTPI Cymru. You can sign up to support the campaign on the website, as well as downloading campaign resources such as logos, posters, postcards and explainer documents. Our showcase event for the campaign will take place from 1pm on Friday 4th March, 2016 – the Homes for Wales rally. While we welcome the increase in SHG, it is vital to emphasise the importance of a secure rental income stream. Any further cuts to Supporting People could have had disastrous consequences for vulnerable people across Wales which is why today’s announcement is so welcome. Over the last year, we have worked in partnership with Cymorth Cymru to highlight the benefits of Supporting People and to call for its protection.
The first ever Welsh Apprentice Challenge was launched at Community Housing Cymru's Annual Conference on 19th November.
Team A - Callum (Pembrokeshire Housing), Daniel (Tai Ceredigion), Deri (Bron Afon Community Housing), Joseph (Celtic Horizons) and Katie (Merthyr Valleys Homes).
Team United - Daniel (Tai Ceredigion), Demi (Cadwyn Housing Association), Emma (Celtic Horizons), James (North Wales Housing) and Lloyd (Valleys to Coast). Team C - Daniel (Taff), Emily (Cartrefi Conwy), Karolina (Monmouthshire Housing), Mathew (Coastal Housing Group), Oliver (Newport City Homes). Although we welcome the Chancellor’s U-turn on tax credits, all this will do in the long term is delay cuts until the full introduction of Universal Credit. A new agreement between Community Housing Cymru and Public Health Wales has committed the organisations to working more closely together to improve the lives and health of people in the most deprived communities in Wales. The memorandum is a commitment to a joint focus on prevention and early intervention, to ensuring work is informed by the best national and international evidence and to taking action to empower communities to improve health and wellbeing. The commitment will also enable the establishment of a joint Health and Housing Public Health Task Group including key representatives from health, housing, community and social care. Tracey Cooper, Chief Executive of Public Health Wales, said: "This memorandum marks the start of an exciting and purposeful partnership between Public Health Wales and Community Housing Cymru. The memorandum was signed by Chief Executive of Community Housing Cymru, Stuart Ropke, and Chief Executive of Public Health Wales, Dr Tracey Cooper at CHC’s Annual Conference on 19 November 2015.
Community Housing Cymru (CHC) is today (19 November) launching its first Welsh Apprentice Challenge. Conference delegates will vote for their favourite campaign idea and the overall Welsh Apprentice champions will be awarded a certificate for their efforts by Julie James AM, Welsh Government’s Deputy Minister for Skills and Technology.
Demi Stephenson, fellow apprentice challenger, secured her job as an electrician with Cadwyn Housing Association after working full time voluntarily for several months. The Welsh Apprentice Challenge is being supported by TSW Training and The Prince’s Trust.
Launched today (18th November), the findings are part of the latest Welsh Economy Research Unit (WERU) report, commissioned by Community Housing Cymru (CHC), which focuses on the wider economic impact of the social housing sector in Wales.
In less than a decade, Welsh housing associations have spent around £3bn in the Welsh economy on building and maintaining properties. We are working with colleagues from the devolved nations to ensure that the independence of the Welsh, Scottish and Northern Irish housing association sector is protected.
Community Housing Cymru Group (CHC) has welcomed news that Welsh Government is set to exceed the 10,000 affordable homes target. There is near consensus that leaving the EU would have a greater negative effect on the UK’s economy than that. These are among the main findings of a new report published today and funded by the ESRC’s UK in a Changing Europe initiative. If, on leaving the EU, the UK were to join the European Economic Area, like Norway, its net contributions might be about halved. A vote to leave the EU would increase uncertainty in the short run and make trade more expensive in the long run. It is unlikely that government would respond with bigger spending cuts and tax rises in the short run. In any of these scenarios public sector debt would be significantly higher than planned by the end of the parliament.
School spending in England has become increasingly targeted at schools with pupils from poorer backgrounds over the past 20 years. That said, there is also a lot of variation in funding between schools with similar pupil intakes.
There are substantial differences in spending levels per pupil between schools in England, and these differences have grown over time. A key driver of this variation is the increased spending in the most deprived set of schools and areas. Local authorities can and do make different choices in the way they fund different sorts of schools in their area. Differences in average spending levels between local authorities are, however, largely explained by characteristics of the local authorities: 80% of the variation in spending per pupil across local authorities can be explained by whether they are in London and their level of deprivation. It is the total amount of spending that pupils experience over all their years in schooling that is likely to matter most for educational outcomes.
On average, students taking their GCSEs in 2015 had £57,000 spent on them over the course of their schooling career between Reception and Year 11.
Changes in school spending policy take a long time to affect the amount different cohorts experience in total school spending.
Graduates from richer family backgrounds earn significantly more after graduation than their poorer counterparts, even after completing the same degrees from the same universities.
The research used anonymised tax data and student loan records for 260,000 students up to ten years after graduation.
Funded by the Nuffield Foundation, this work was carried out by researchers at the Institute for Fiscal Studies (IFS), UCL Institute of Education, Harvard University and the University of Cambridge. All this means, of course, is that it is the IPC approach that will ultimately determine the BGAs.
The Agreement also means that part of the growth in devolved tax revenues in rUK will continue to be redistributed to Scotland to help fund its higher levels of government spending: something that the UK government said should no longer happen once a tax is devolved. These are among the findings of a new report released by researchers at the Institute for Fiscal Studies and the University of Stirling, funded by the Nuffield Foundation and the Economic and Social Research Council. The deal agreed will protect the Scottish budget from revenue and welfare spending risks associated with Scotland’s lower population growth.
The method agreed for adjusting the block grant also largely insulates Scotland from the impact of any shocks that hit the whole of the UK – such as the global financial crisis and associated recession. But the Scottish Government’s budget will be exposed to long- and short-term economic risks that affect Scotland differently from the rest of the UK. Borrowing would not be an appropriate response to long-term declines in revenues or increases in welfare spending, but it can be an important tool in managing shorter-term risks. Recent experience suggests the resource borrowing limits and reserves limits agreed should be large enough to smooth temporary fluctuations in devolved revenues. Strong employment growth has reduced the number of people living in households with incomes below a fixed poverty line over the last two years, but planned cuts to benefits and tax credits will mean no growth in the incomes of poorer households on average over the next five years.
This income growth partly reflects strong employment growth, particularly towards the bottom of the income distribution. Relative poverty rates have not changed as the incomes of poorer households have grown at a similar rate to median income. Incomes are likely to continue growing for many households as earnings rise faster than inflation.
The Joseph Rowntree Foundation is an independent organisation working to inspire social change through research, policy and practice.
The IFS Green Budget 2016, produced in association with ICAEW and funded by the Nuffield Foundation with analysis from Oxford Economics, is published today. The rule has the merit of simplicity and transparency but is very inflexible and this could come at a cost. The fiscal mandate also rules out borrowing to invest even where low interest rates mean such investment would be economically beneficial and would not otherwise occur. Mr Osborne has promised £8billion per year of income tax cuts in the form of a higher personal allowance and an increased higher-rate threshold. His forecasts depend on him raising fuel duties in line with the RPI – something he has failed to do since 2011. His forecasts also depend on keeping the £150,000 threshold, at which the 45% income tax rate kicks in, frozen. Spending plans are based on pay in the public sector rising by at most 1% a year for the rest of this parliament.
Oxford Economics, with whom we are again collaborating, forecast that UK growth will be a relatively disappointing 2.2% in 2016, similar to growth in 2015.
Looking further ahead, Oxford Economics say that the combination of a sizeable output gap and solid prospects for potential output should provide the conditions for firm growth and low inflation over the medium term. ICAEW provide a detailed analysis of Whole of Government Accounts (WGA), which illustrates the importance of taking a wider view of government finances than the traditional National Accounts. Current accounting measures and the desire to reach a surplus on a relatively narrow measure of government borrowing will favour public–private finance partnerships over simply borrowing to invest.
There is a case for extending excise duties to other products, excess consumption of which can cause social harm; hence the recent calls for a sugar tax. The Green Budget also contains chapters on universal credit and tackling tax avoidance by multinational companies, which were pre-released last week and the week before, respectively. We are delighted to have produced this year’s Green Budget in association with ICAEW and with funding from ICAEW and the Nuffield Foundation. During this parliament the government plans to replace most of the means-tested benefits system for working-age families with a single payment called universal credit (UC). These are among the findings of new analysis by IFS researchers which forms part of the forthcoming IFS Green Budget 2016, produced in association with ICAEW and funded by the Nuffield Foundation. UC will dramatically reduce the number facing very weak financial incentives to move into or stay in work.
UC will tend to weaken the incentive for single parents to be in work, and to strengthen the incentive for couples to have one person in work (rather than none or two). Working single parents and two-earner couples are relatively likely to lose, and one-earner couples with children are relatively likely to gain. Owner-occupiers and those with assets or unearned income are relatively likely to lose, but working renters are relatively likely to gain. Distilling microeconomics research into direct policy implications will be the focus of a new website developed by researchers at the Institute for Fiscal Studies, University College London, Princeton University, Harvard University, London School of Economics Northwestern University, University of California, San Diego, University of Manchester and Yale University.
The summaries, which will be written by academics and edited by journalists, will cover all areas of microeconomics including development, health economics, environmental economics, international trade, public finance, industrial organisation and labour economics. Like an academic journal, content featured on the website will be chosen by an editorial committee that will select the best research in microeconomics, irrespective of institution and political or ideological viewpoints.
The editorial committee will work with its academic authors to produce short research briefs intended for public policy practitioners. Many fear that climate change will have severe effects on the global economy, particularly through the threat to food production and farmers’ earnings.
NHS hospitals in England are rarely closed in constituencies where the governing party has a slender majority. Argues that reform of Barnett may remove some of the conflicts between the Smith Commission’s principles. Wealth among working-age households increased on average by more than inflation over the late 2000s, despite the financial crisis.
These are among the findings of a new report published today by the Institute for Fiscal Studies (IFS), funded by the IFS Retirement Savings Consortium and the Economic and Social Research Council. Increases in average wealth for working-age households over this four-year period were driven by increases in pension wealth. For virtually all age groups, average property wealth fell in real terms over the period due to declines in house prices. Taking all wealth together, the majority of working-age households saw a real terms increase in their total wealth over this period.
Nearly half of individuals (47%) in 2010–12 reported saving some income in financial assets over the previous two years. 30% of individuals reported saving for an unexpected expense, 23% reported saving for holidays or leisure, 15% for planned expenses, 10% for other people and 10% to provide a retirement income.
Between 2006 and 2012 the odds of reporting saving for investment purposes halved, while the odds of reporting saving for an unexpected expense increased by 20% and the odds of saving for a housing deposit increased by nearly 60%. Only 35% of individuals who had not yet retired in 2010–12 expected private pensions to be their largest source of retirement income. Among households aged 25–34, nearly one-quarter (24%) do not expect to receive any income from the state pension in retirement, while nearly half (44%) do not expect to receive any income from a private pension.
The report will be available on the IFS website from 00:01 AM on Thursday 19th November 2015. Reductions in social rents announced in the July Budget will be of little or no direct benefit to most of the 3.9 million households in England living in social housing. The reduction in housing benefit will save the exchequer money, and will strengthen tenants’ work incentives as they have less means-tested support to lose by entering work or increasing their earnings. These are among the conclusions of a new report on social rent policy, published today by the Institute for Fiscal Studies (IFS) and funded by Trust for London. After many years of real increases in social rents, the July Budget announced a 1% annual reduction in social rents in England for the next four years.


The policy largely represents a transfer from social landlords (councils and housing associations) to the exchequer, rather than to social tenants. Tenants who do gain from the rent cut will tend to be around the middle of the income distribution. The cut to social rents will strengthen the financial work incentives of social tenants, on average. We expect Pay to Stay to hit around 250,000 households per year (about 7% of social renting households in England). Important decisions about Pay to Stay have yet to be taken, including how sharply rents increase as incomes rise beyond the threshold. Pay to Stay will increase the incentive for higher-income social tenants to leave the sector, perhaps by exercising their Right to Buy. Johnson will set out how modelling by IFS researchers suggests that pensioners’ incomes will continue to rise for at least the next decade. Johnson will also use his lecture to outline some policy priorities for making state and private pensions more stable and sustainable, for example ending the so called triple lock on the state pension and bringing stability to the taxation of private pensions.
Pensioners now have higher incomes on average than the rest of the population, once housing costs and family composition are taken into account. A large proportion of those retiring now will actually be better off in retirement than they were on average during their working life. On state pensions Johnson will suggest that the new single tier pension for those reaching the state pension age on from next April will represent the logical culmination of 30 years of policy aimed at undoing the introduction of the State Earnings Related Pension Scheme (SERPS) in 1978. Continuing increases in pension age, in order to help drive up the age at which people actually stop work, is likely to be vital to the sustainability of the system.
When most pension income came from state pensions and defined benefit occupational pensions risks of poor investment returns and changing longevity were shared between individuals and generations.
There is an urgent need to bring stability and rationality to the taxation of private pensions.
Less than a quarter (22%) of children on free school meals in inner London obtained five or more A*–C grades at GCSE or their equivalent (including English and Maths) in 2002. New work published today, by researchers associated with the Centre for Social Exclusion (CASE) at the London School of Economics and the Institute for Fiscal Studies (IFS), concludes that the improved performance largely reflects gradual improvements in school quality over time.
The researchers from the IFS, University of Surrey, University of Bath and the UCL Institute for Education used information from the National Pupil Database, which records the school outcomes of all children in England. London is much more ethnically diverse than the rest of England and ethnic minorities tend to obtain better GCSE results than children from white-British backgrounds. The main explanation for better GCSE results is that pupils from poorer backgrounds are entering secondary school with better test scores at age 11.
In addition it seems that having lots of peers from deprived backgrounds is no longer holding children back as much.
The researchers supplemented their analysis of administrative data by using the Millennium Cohort Study to look at the performance of one large group of children born around 2000 and for whom there is detailed data on their progress before age 11.
In this cohort of around 19,000 children who all started school at age 5 in 2005, disadvantaged children in London were not ahead of those outside London at the point when they started school. Differences in the family background and characteristics of poorer pupils in London explain just under half of the London advantage at age 11 (mostly due to higher levels of ethnic diversity). Children were considered poor in the Millennium Cohort Study if their household was in receipt of Job Seekers Allowance or Income Support when the age 3, 5, 7 or 11 survey was taken. Disadvantaged children in London are different from their peers outside London, particularly in terms of ethnicity. Researchers at the Institute for Fiscal Studies (IFS), Harvard University and the University of Cambridge found that median earnings of English women around 10 years after graduation were just over three times those of non-graduates. The study shows that the recession had a large impact on the earnings of people in their twenties and early thirties. The researchers used anonymised tax data and student loan records for over 260,000 graduates for up to 10 years after graduation. The researchers, funded by the Nuffield Foundation, report their results in a new working paper.
The administrative data suggests that the annual earnings of the highest earning graduates are greater than appears in other data. Margaret Burgess was born and bred in Ayrshire and has lived in the Cunninghame South constituency for 40 years. Philip joined Homes for Scotland in April 2012, assuming direct responsibility for managing the Executive Team, delivering business strategy and meeting the wide-ranging needs of member companies. With a career spanning over 25 years, Philip is well placed to deal with the significant challenges facing the home building industry as it strives to recover from the economic downturn. In addition to addressing these and the myriad of other issues impacting the industry, Philip has a strong customer focus having most recently been involved in the development of specialist research and feedback tools to provide builders with vital buyer insight through his own consultancy.
Susan Torrance is Chief Executive of the Highland Housing Alliance the company which project managed the build of the Expo in Inverness in 2010.
Previously she has worked for Tullochs heading up their affordable housing division, been Managing Director of Albyn Housing Society Ltd and in the late 80’s, worked for the Housing Corporation in London. Dr Mohammed Salah-Eldin Imbabi, BSc (Honours), MSc, PhD is a scientist, professional engineer and innovator in the diverse fields of civil engineering, low energy building engineering, energy efficiency and renewable energy. Ian Williams is Chairman of Campbell Dallas LLP, head of renewables, a member of the firm’s tax consultancy group and corporate finance group. Steven Tolson is a chartered surveyor specialising in property development, regeneration and valuation.
His specific interest lies in the value, benefit and delivery of good urban design and sustainable places. Elizabeth Leighton is a Senior Policy Officer with WWF Scotland, responsible for WWF’s work on climate change and energy efficiency.
Having access to safe, warm and affordable housing is the foundation for the well-being of communities across Wales, and we need a resilient sector to deliver this. 517 of these homes were built without Social Housing Grant, proving that the sector is attracting alternative routes of affordable finance.
The sector’s gearing is now at 63%, an increase from 61% in 2014, demonstrating the commitment of Welsh housing associations to take on additional borrowing to help build essential new homes across Wales. In order to provide these services, it’s essential that the sector is financially robust. We had a productive relationship with him when he was Housing and Regeneration Minister previously, signing a housing supply pact to increase the number of affordable homes across Wales. The new Labour minority government, with its shared priorities, must now deliver on this promise with an ambitious plan for housing in the Programme for Government, including the pledges both Labour and Plaid Cymru made to end the Right to Buy and deliver 20,000 affordable homes. It’s vital that the new government recognises this and delivers on the ambitious housing targets we saw in party manifestos. They must now deliver on this promise with an ambitious plan for housing in the new Programme for Government. Pat gave a big part of her life to helping others and spent much of her working life in helping to meet people's housing needs in Wales. In this role, Clarissa works with housing associations to influence government and other key stakeholders on housing policy issues including reclassification, the Right to Buy and welfare reform. I am looking forward to joining a team that is already leading the housing sector in Wales and achieving great things.
CHC is focusing on several post-election priorities to ensure that housing remains a key issue in Wales when the new government is in place, and Clarissa will play an integral role in leading on these priorities. The campaign calls on the next Welsh Government to publish an ambitious plan for housing as part of the new Programme for Government which sets out how they will end the housing crisis in Wales. This has led to rising prices, undermining our economic competitiveness and Wales’ reputation as a destination for investment. Homes for Wales’ celebrity supporters include actor Michael Sheen, Welsh entertainer Max Boyce, comedian Rhod Gilbert, actor and producer Jonny Owen and Bafta-winning actress Vicky McClure. Rural Housing Enablers play a significant role in ensuring the viability and sustainability of rural communities by overcoming many of the barriers in rural areas, such as identifying appropriate sites and assessing local needs. Despite getting on the housing ladder during the property boom, she could not progress further when the recession hit.
A home is one of the most basic but most vital building blocks of life and there simply aren’t enough affordable homes in Wales for those that need them. The announcement, made by the Minister for Disabled People, Justin Tomlinson MP means that the change will now apply to tenancies in supported accommodation signed from April 2017. Community Land Trusts, housing co-operatives and alms houses will also be given a one year exception. CHC will continue to provide support to members involved in the review, and we will work with the DWP to ensure that it captures the full picture of what is offered by supported accommodation and that the needs of the devolved nations are captured in any UK-wide policy. We estimate that around 10,000 claimants will be affected in April 2018, and it is imperative that tenants and landlords entering into a tenancy from this April have clarity and certainty about these changes.
Investment in housing boosts the local economy and local services, and this £20m will create 500 new jobs across Wales. It provides tenants with higher levels of support than in general needs housing, and helps tenants with the confidence and know-how to take control of their lives. Furthermore, these additional costs do not necessarily reflect the costs pressures associated with private sector rents, which are what ultimately dictate Local Housing Allowance levels.
There are 36,908 supported housing units across the whole country; 22,110 owned and run by housing associations and a further 14,798 by local authorities. The cap is economically counter-productive, with any reduction in spending on social security likely to be far outstripped in the long-term by presentations to health services and other support agencies.
Another Welsh housing association has 48 bedsit units as part of their stock, predominantly housing tenants under the age of 35. We are concerned about the likely effect it will have on the ability of single people in supported or temporary housing to move onto permanent accommodation at the appropriate time.
We have concerns that due to the discretionary and temporary nature of the DHP fund, this will put a significant element of funding for supported housing on an insecure footing and as a consequence could lead to a reduction in the provision of existing services and put new developments at risk at a time when pressure on services is increasing.
This will be a particular issue for those who need to live in supported housing on a longer term basis, for example, sheltered housing, retirement housing or adapted housing. A secure rental income stream alongside continued financial support from Welsh Government is vital for the future viability of Welsh housing associations, and this security means that the sector can continue to build more homes and deliver services in communities across Wales.
The campaign brings together those who believe everyone has a right a decent affordable home to call their own and has been set up to ensure that housing is a key political issue in the National Assembly for Wales elections next May.
We’ll meet at the Senedd in Cardiff Bay and will then march to the city centre for an event in the Hayes area of the city. CHC has consistently made the case to Welsh Government to emphasise the importance of investing in the housing association sector. Investment in housing helps stimulate the economy and provides job and training opportunities for local people, as well as funding new affordable homes.
We now need Welsh Government to confirm the rental settlement in Wales that was previously agreed.
Extra capital of £900m for Wales will be made available over the next 5 years, and we call on Welsh Government to invest a significant proportion of this capital in Welsh housing. It’s essential that Welsh Government supports the delivery of housing across all tenures, including social housing, to deliver an effective housing market. We are especially concerned about the impact of aligning Housing Benefit with Local Housing Allowance for new social housing tenants. The Welsh Apprentice Challenge is a first for us and provides a real opportunity to showcase some of the amazing young talent working in the sector and the vast opportunities available.
Since joining Cartrefi Conwy as a Modern Apprentice, she has had fantastic reviews from colleagues across the business. However, the report clearly illustrates that the economic impact of the sector goes beyond bricks and mortar. This decision applies from the enforcement date of the Housing Regeneration Act (HRA) 2008, with reclassification due to be implemented from early 2016.
This decision should have no bearing on the independence of housing associations in the devolved administrations. Across the UK, we are the most successful partnership of public, private and third sectors. Figures out today (21 October) reveal that 89% of Welsh Government’s target to provide 10,000 additional affordable homes during this Assembly term have been delivered by Welsh housing associations with more than a year to go. We particularly welcome the recognition of the hard work and achievements of Welsh housing associations in their contribution to the 10,000 target, which comes after our sector made a Housing Supply Delivery pact with Welsh Government earlier this year. In order for the sector to continue to provide this substantial contribution to the economy, employment, training and the availability of homes, the sector needs the continued support of the Welsh Government through its investment in Social Housing Grant.
The report examines both the direct and indirect effects of Brexit on the UK’s public finances, based on a comprehensive review of studies analysing the short- and long- term economic effects of Brexit.
They imply that following a UK exit other EU countries would continue to pay a rebate to the UK on contributions it was not making.
Getting to budget balance from there, as the government desires, would require an additional year or two of austerity at current rates of spending cuts. In 2013–14, the poorest fifth of secondary schools (in terms of the proportion of pupils eligible for free school meals) spent 31% more per pupil than the richest fifth, up from around 15% in the late 1990s. In 10% of local authorities, secondary schools spend at least 40% more than primary schools per pupil; but in 10% of local authorities, the difference was less than 30%. A national funding formula therefore need not lead to significant redistribution between local authorities.
For example, total spending per pupil will continue to grow over the current parliament, even though annual spending per pupil will fall in real terms. This represents a major shift in the role of the state, with the school funding system playing an increasingly important role in redistribution,” said Chris Belfield, one of the authors of the report. Replacing 152 different formulae with one single, simple formula will inevitably lead to substantial changes in funding across schools and, for good or bad, will almost completely remove local authorities from the school funding system,” said Luke Sibieta, the other author of the report. The Nuffield Foundation is an endowed charitable trust that aims to improve social well-being in the widest sense.
The first stage of this consultation (which closes on April 17th) sets out the overall principles for a national funding formula.
This is one of many findings in new research published today which looks at the link between earnings and students’ background, degree subject and university attended.
The full working paper is available here and we also have an accompanying executive summary. The most difficult thing to agree was how to adjust the Scottish Government’s block grant funding to account for its new revenues and spending responsibilities.
Scotland’s budget could fall a little if income tax rates are cut (or thresholds increased) in rUK and vice versa.
There seems little rationale for adopting the convoluted process of adjustments set out in the Fiscal Framework other than to highlight this difference. Equally, Scotland will not benefit from the higher revenues that might result if its population grows more quickly than expected.
The Scottish Government got less in the way of new borrowing powers than it hoped for: capital borrowing limits were barely increased, for instance. The Scottish block grant will continue to be determined largely by historical accident through the Barnett Formula, and will still bear no relation to Scotland’s relative spending need. These are among the main findings from a new IFS Report funded by the Joseph Rowntree Foundation, published today, that examines the prospects for incomes and poverty until 2020.
In contrast to the stability of inequality over the past two years (and the decline in inequality since the recession), incomes at the 90th percentile are projected to increase by 2.3% per year while incomes at the 10th percentile are expected to remain constant in real terms.
Less than a third of the projected increase in overall relative poverty, and around 40% of the increase in relative child poverty, is attributable to planned reforms.
For some, particularly the better off and pensioners, this is likely to continue over the next five years as earnings and state pensions grow more quickly than inflation.
Having set himself a very inflexible target to get to budget balance by 2019–20, Mr Osborne could be forced into additional spending cuts or tax rises if economic and fiscal forecasts again turn out unfavourably. Borrowing to cover investment could leave debt still at 60% of national income in the mid-2030s. It could require big tax rises or spending cuts with very little notice in order to ensure it is met.
And because it is based on a narrow definition of borrowing, there is a danger that Chancellors will game the rule, just as they have gamed rules in the past.
The number of additional-rate taxpayers has already increased by 40% since the additional rate was introduced in 2010. Spending on public services other than health will be at its lowest level as a fraction of national income since at least 1948–49, at a time when the population continues to grow and age. If official forecasts for private sector pay are right, this will take public sector pay to easily its lowest level relative to that in the private sector for at least 25 years. On the plus side, the forces driving strong consumer spending growth last year are still present, while the environment for business investment remains favourable.
However, the planned fiscal consolidation is so large that it will exert a significant drag on growth prospects and mean that the UK’s spare capacity is eroded more slowly than it otherwise could be. Uncertainty in the fiscal forecasts means that he may well have to cut spending further or raise taxes to get to surplus in 2019–20. Favourable treatment of these arrangements in the National Accounts is no good reason to favour funding infrastructure spending in that way. They are not focused on heavy drinkers and charge very different rates of tax on the same alcohol content depending on the form in which it is consumed.
Implementing such a tax successfully may be much harder than for traditional excise duties because diets are complicated and multifaceted. ICAEW is a world-leading professional membership organisation that promotes, develops and supports over 146,000 chartered accountants worldwide. As leaders in accountancy, finance and business ICAEW members have the knowledge, skills and commitment to maintain the highest professional standards and integrity.
A series of pre-emptive cuts means that introducing UC will in the long run reduce the generosity of the benefit system – including to working families, in a reversal of the original intention.
On average, working single parents will effectively keep 8% less of their earnings under UC than under the system it is replacing, because of the way UC is withdrawn as their earnings rise (a disincentive to work made significantly greater by the July Budget cuts).
This has the implication that UC will likely focus support more on those with long-term (rather than just temporary) low incomes, but it also weakens the incentive for some to save.
Expanding job search conditions to more people and removing the need to start new benefit claims when moving into work could act to increase employment and earnings.
We are also grateful to the Economic and Social Research Council for funding much of the day-to-day research at IFS that underpins the analysis in this report. ICAEW is a world leading professional membership organisation that promotes, develops and supports over 146,000 chartered accountants worldwide. Particular emphasis will be placed upon the work of young researchers working at the research frontier. These summaries will be handed off to a team of editors and journalists adept at writing for the public. This research suggests that much of the potential harm could be avoided if farmers can switch their crops in response to changing relative yields.
This means that for near random reasons, those areas have more competition in healthcare – which has allowed Nicholas Bloom and John Van Reenen to assess its impact on management quality and clinical performance. A new joint paper by researchers at the IFS, the University of Stirling and the Centre for Constitutional Change, funded by the Nuffield Foundation looks at these issues. But if the Barnett Formula were reformed, a more comprehensive assessment of the UK’s system of devolved government finance than the Smith Commission was tasked with would be needed. Reform of Barnett may remove some of the conflicts between the Smith Commission’s principles that we have identified.
This was driven by increases in pension wealth, which on average more than offset the declines in housing wealth resulting from falling house prices.
They used detailed data covering the whole of Great Britain from the Wealth and Assets Survey. After stripping out changes in how future pension income is valued, mean pension wealth increased in real terms (i.e. Few households hold the relatively risky financial assets that saw volatile returns over this period. The exception is households aged 25–34, among whom average property wealth increased as some moved into home ownership.


One third expected their largest source of income to be the state pension, while 8% expected it to be saving or investments, 6% their primary housing and 5% an inheritance.
However, 28% of individuals expect an inheritance to provide them with some retirement resources. The authors are very grateful to the IFS Retirement Savings Consortium and the Economic and Social Research Council for funding this research. The Wealth and Assets Survey (WAS) is a longitudinal survey of the household population in Great Britain. Most of those renting their home from councils or housing associations have low incomes and hence receive housing benefit to cover all or part of their rent. Given that previous policy was to raise rents by CPI inflation + 1% each year, this means that social rents are expected to be 12% lower than they would otherwise have been by 2019–20. Low-income tenants are the most likely to be on housing benefit, while better-off households are less likely to be in social housing at all. With lower rents, tenants will have less means-tested housing benefit to lose if they move into work or increase their earnings. The Office for Budget Responsibility assumes that 14,000 fewer social sector properties will be built between now and 2020–21 as a result.
The effects on tenants’ disposable incomes and work incentives, and on revenue for housing associations and the exchequer (which will require councils to hand it the extra rental income), are sensitive to these choices. Work incentives would still be weakened on average, and this might be more complex to administer, but it would avoid the extreme disincentive effects associated with a cliff edge. Co-funding from the ESRC-funded Centre for the Microeconomic Analysis of Public Policy at IFS is also very gratefully acknowledged.
Just 30 years ago pensioners were are at least three times as likely to be poor as non-pensioners. At some point it will prove to be prohibitively expensive; the OBR estimates that it will add well over one per cent of national income to pension spending by the middle of this century relative to the cost of earnings indexation.
The inaugural lecture will take place at 18.30 on Tuesday 20 October 2015 at JP Morgan Chase, 60 Victoria Embankment, Blackfriars, London. Improvements in primary schools played a major role in explaining later improvements in secondary schools. To check this the researchers follow a group of children born around the year 2000 from preschool to age 11. This explains a lot of the higher performance of poorer children in London compared with those outside London but it does not explain why disadvantaged Londoners have improved their performance so much. In 1997, about 47% of poorer pupils in both inner London and the rest of England achieved the expected level in English tests at age 11. Indeed, they were less school-ready on some measures, but this is mainly because of their more diverse ethnic background and because many do not speak English as a first language. However, most of the advantage remains unexplained, again pointing to the important role played by London’s primary schools.
However, all the children we consider are on means-tested benefits and this tends to lead to similar living standards across the country.
This project is part of the Social Policy in a Cold Climate programme of work which is funded by Joseph Rowntree Foundation, the Nuffield Foundation and Trust for London through the Centre for the Analysis of Social Exclusion (CASE), LSE. This is particularly true for women, who experienced much lower earnings than previous cohorts. The administrative data gives a much more accurate picture than existing surveys which tend to be based on much smaller samples self-reporting their earnings and are subject to biases.
She was previously employed as the manager of East Ayrshire Citizens Advice Bureau, she is also an elected board member of the national charity, Citizens Advice Scotland.
These include driving higher loan to value ratio lending back into the mortgage mainstream for those who can sustainably afford such products, gaining public and political understanding on and support for alternative and more effective and cost-efficient ways of achieving low carbon targets, and ensuring that local authorities deliver an effective land supply. Prior to this he enjoyed ten years as UK Marketing Director with a major national home builder. The company currently undertakes landbanking and housebuilding for the intermediate market, and has delivered some of the first National Housing Trust homes in Scotland.
She has been a supporter of Homes for Scotland and a strong voice for house building in Scotland since its foundation. Major sponsors of Dr Imbabi’s research include the Engineering and Physical Sciences Research Council (EPSRC), Scottish Executive and the Carbon Trust. He is a Director of Ogilvie Group Developments and RICS Scotland, a visiting lecturer at a number of Scottish Universities and a chapter author of Urban Design in the Real Estate Development Process.
As a former senior BBC correspondent he understands the importance of balance and neutrality. Housing associations exceeded the previous target of 10,000 and the sector is up for the challenge of delivering more. Welsh Liberal Democrat leader, Kirsty Williams, held her seat in Brecon and Radnorshire with a substantial majority.
Clarissa has previously worked for the Local Government Association and Hounslow and Birmingham Councils.
From businesses to charities, and from Wales to Westminster, there is a clear consensus that we need to be building more homes to satisfy demand, yet we are still not building enough to meet our needs. Other supporting organisations include the Royal College of Nursing, the Church in Wales and Youth Cymru. They work closely with those involved in the provision of other services and infrastructure within their communities. Homes for Wales speaks with one voice and calls on all politicians to commit to ending the housing crisis and building a stronger Wales.
152,000 20-34 years old still live at home, and 8,596 families have been on the housing waiting list since before the last election. It covers a huge range of housing schemes which help tenants who are experiencing a huge range of problems, including those who are fleeing domestic abuse, suffering from mental health problems, or those who have experienced homelessness.
Typically, the LHA is lower in more deprived areas and higher in more affluent parts of the country, meaning that the viability of supported housing in less well-off areas is threatened by the use of LHA to cap financial support.
The services are delivered by social landlords who have the specialist knowledge and expertise to support these tenants. We can point to evidence of the impact that the Shared Accommodation Rate in the private rented sector in England has already had on the time young people spend in supported housing. Supported housing would become unaffordable for those it is designed to assist and would cease to be an option.
Continued investment alongside a secure income stream through rent will enable housing associations in Wales to deliver 12,500 homes in the next Assembly term, which is an increase of 25% on the current target.
Capping the rent at shared accommodation rate for under 35s will have a significant impact on single young people without children who require access to supported or social housing.
For every one person directly employed by the sector, almost two other jobs are supported in the Welsh economy. This contribution means that the sector is on target to meet the 10,000 affordable homes target for this term of Government set in the Housing Supply Pact between CHC and the Welsh Government.
Our independence allows us to draw in billions of pounds of private finance to provide thousands of affordable homes in the UK, create jobs and stimulate the economy.
Our members’ commitment to building and providing homes is clear and this work will continue up until we deliver the target, and beyond. But the overall public finance impact would depend on the economic effects of the UK leaving the EU. Such claims also imply we would simply stop all existing EU subsidies to farming and poorer regions (such as Cornwall and west Wales). That is why nearly all estimates suggest leaving would reduce national income relative to what it would otherwise have been, both in the next few years, and in the longer term. Some of these differences are readily explained by other features of the schools, but many are not. A national funding formula would eradicate such differences and would therefore lead to substantial changes in spending per pupil within individual local authorities. It funds research and innovation in education and social policy and also works to build capacity in education, science and social science research.
The data set includes cohorts of graduates who started university in the period 1998–2011 and whose earnings (or lack of earnings) are then observed over a number of tax years.
First, Scotland will only be allowed to borrow to cover forecast falls in its revenues when Scottish GDP growth is less than 1% and at least 1 percentage point lower than UK growth – this could be constraining, as Scottish revenues may be temporarily depressed even if these conditions do not hold. The Scottish budget will be protected from the effects of UK-wide economic downturns and the Scottish Government will have some powers to borrow during short-term shocks that hit Scotland disproportionately. Ultra-low inflation has also been key, boosting the value of workers’ pay and of benefits. And that in itself is driven almost entirely by rising poverty among families with at least 3 children, who are hit relatively hard by benefit cuts. But the prospects are not so good for others, including large families with low incomes, who will bear the brunt of planned benefit cuts”. It follows official statistics in defining the absolute poverty line as 60% of inflation-adjusted 2010–11 median income and the relative poverty line as 60% of contemporaneous median income.
In addition apparently small differences in fees and charges can outweigh the effects of different tax treatments. He also has some big promised tax cuts to finance, faces considerable uncertainty over key tax revenues, and may yet find the spending squeeze hard to maintain, even though it is less severe than previously expected. The faster debt falls, the more room for manoeuvre future governments might have in the face of another recession.
Even if the Chancellor gets to the March 2019 Budget with his plans intact, past errors in official forecasts suggest that there would be more than a one-in-four chance that he would need to implement in-year tax rises or spending cuts to deliver a budget surplus in 2019–20. The biggest question facing Mr Osborne is how he will respond if forecasts change and he needs greater tax rises or spending cuts to make the books balance. Last week’s Bank of England inflation report downgraded forecast average earnings by more than 1% just since November. Other things equal, delivering them will require equivalent tax rises or spending cuts elsewhere.
Similarly, current policy implies a 50% increase in the numbers losing some or all of their child benefit within five years, as the point at which this happens stays fixed in cash terms.
However, significant tightening of fiscal policy and problems in the international environment will continue to hold growth back, even though UK exporters’ focus on other advanced economies will offer some insulation from problems in emerging economies. With public spending reaching historically low levels relative to national income, promises on tax cuts to keep and pay for, and pressure on revenues from a number of taxes, there may be more tough decisions to come.
Getting the best outcomes for the public finances in challenging times, means being supported by modern financial management as well as having the full economic picture.
PFI and PF2 should be brought on balance sheet to avoid decisions being driven by accounting rules.
They provide qualifications and professional development, share their knowledge, insight and technical expertise, and protect the quality and integrity of the accountancy and finance profession. Together they contribute to the success of individuals, organisations, communities and economies around the world.
But it will still do a lot to help make work pay for many of those who currently face the most severe disincentives. The analysis focuses on the long run impact of introducing UC: transitional measures mean that existing claimants will not see their entitlements cut at the point when they are moved onto UC. The 800,000 working individuals who would currently keep less than 20p of an additional pound earned (of whom 600,000 would keep less than 10p) would all keep at least 23p if the long run UC system applied now. Early evidence suggests UC has had a positive impact on employment among the small group already affected, but it is not possible to draw firm conclusions from this about its impact when fully in place.
They provide qualifications and professional development and share their knowledge, insight and technical expertise, and protect the quality and integrity of the accountancy and finance profession. The final results will be distributed through the website, social media accounts and dedicated distribution email lists. The Smith Commission parked these issues to one side by committing to the current Barnett Formula. However, younger cohorts are on course to have less wealth at each point in life than earlier generations did at the same age – unless the rate at which they are accumulating wealth picks up.
The IFS Retirement Savings Consortium comprises Age UK, Department for Work and Pensions, Financial Conduct Authority, HM Treasury, Institute and Faculty of Actuaries, Investment Association, Just Retirement, and Money Advice Service. The data are collected by the Office for National Statistics, and the survey is funded by Office for National Statistics, Department for Work and Pensions, Department for Business, Innovation and Skills, HM Revenue and Customs, Department for Communities and Local Government, Scottish Government and Financial Services Authority.
Entitlement to housing benefit will typically be reduced pound-for-pound as their rent falls.
But lower rents also increase the financial incentive to seek access to social housing, and for existing tenants to remain there rather than, for example, exercising the Right to Buy their home.
Choosing how gradually to increase rents involves delicate trade-offs over revenue, incentives and targeting of support.
Future state pensions will be less generous on average, there has been an extraordinary fall in rates of home ownership, and, in the private sector, a collapse in membership of defined benefit occupational pension schemes. Those now in their 20s, 30s and 40s may well end up with lower incomes in retirement than their parents.
This shows that disadvantaged pupils in London are not ahead at age 5, but instead make faster progress once they get to school compared to their peers outside the capital. Instead, most of the improvements reflect gradual increases in the quality of schools stretching back to the mid-1990s.
By 2008, poorer pupils in inner London became 7 percentage points more likely to achieve this standard (75% for inner London compared with 68% for the rest of England). This advantage for graduates was maintained through the recent recession, although all groups saw significant falls in their earnings during this period.
Her personal interests include walking in the countryside and reading.Margaret is a member of the Standards, Procedures and Public Appointments Committee and the Welfare Reform Committee. She helped establish the Existing Homes Alliance Scotland in 2010, a coalition of consumer, anti-poverty, social housing, industry and environment groups calling for action to make Scotland’s homes fit for the 21st century. John Morrison is the owner of Morrison Media Strategies a leading PR, Public Affairs and Media Training company. Plaid Cymru won 12 seats, including leader Leanne Wood who defeated Public Services Minister Leighton Andrews in her home constituency of Rhondda. Investing in housing creates jobs and training and apprenticeship opportunities, as well as regenerating communities and improving people’s lives. Today’s rally will hear from some of the people who are affected by the housing crisis, and their stories are a familiar theme throughout Wales.
A survey of Community Housing Cymru members[1] estimates that 82% of specified accommodation, such as these projects, would be over the LHA cap. Community Housing Cymru members currently provide homes, to 6,440 tenants in this age group, with a further 1,571 living in local authority accommodation. A recent report by Homeless Link highlights that the average length of stay amongst young homeless people has increased by 8.5 months to 16 months.
Please commit to bringing staff members and tenants with you to the rally, and invite all your local contacts. A fall in national income of 0.6%, relative to what it otherwise would have been, would be enough to offset this direct effect. This is one of the main findings from a new report written by IFS researchers and funded by the Nuffield Foundation on long-run changes to school spending in England since the late 1970s. That is why the government is currently consulting on radical plans for the gradual introduction of a national school funding formula in England from 2017–18 onwards.
It would also imply a loss of discretion for local authorities to respond to particular local circumstances. The Nuffield Foundation has funded this project, but the views expressed are those of the authors and not necessarily those of the Foundation. However, the figures calculated in the report differ from official statistics as they use the Consumer Prices Index (CPI) to adjust the absolute poverty line over time rather than the Retail Prices Index (RPI) used by official statistics. Meanwhile pension auto-enrolment arrangements, which compel matching contributions from employers, will make saving through pensions auto-enrolment much more attractive than almost any other option with the same underlying return. A more broad-based sugar tax is an alternative but its effect on consumption of other nutrients, and hence overall diet, is uncertain. Moving towards monthly benefit payments to one member of the household and removing direct payments to landlords may be riskier.
In particular, the act’s restrictions on hidden credit card fees were found to reduce borrowing costs (especially for consumers with low credit scores) without increasing interest charges and other fees and without reducing access to credit. Today’s report does not assess the extent to which people will respond to these incentives. Younger generations are also likely bearing some of the cost of these generous occupational pension schemes from which they themselves will never benefit. The Treasury’s current consultation on tax creates even more uncertainty, but at least gives an opportunity to rationalise the system and put it on a long-term sustainable basis.
This points to a very important role for improved performance by primary schools in London. She is also a member of the following Cross-Party Groups: Credit Unions, Diabetes, Housing, Volunteering and the Voluntary Sector. Dr Imbabi is the author of more than 80 peer-reviewed scientific papers and sits on the Editorial Board of the International Journal of Sustainable Built Environment, published by Elsevier.
She recently completed a Churchill Memorial Trust Travelling Fellowship to the US where she visited award winning home energy efficiency programmes in the United States.
The Welsh Conservatives won 11 seats with leader Andrew RT Davies re-elected on the South Wales Central list.
Investment in housing creates a ripple effect in the local and national economy, and the housing sector provides a crucial economic stimulus to Wales. Home is central to all things that lead to great well-being and active participation in the community and society. Shelter Cymru figures have shown that 92% of these tenants would lose out if they signed their tenancy under the upcoming proposals.
This would replace the 152 different funding formulae used by local authorities with one single, simple formula applying across all state-funded schools in England. This is because the RPI is known to significantly and systematically overstate inflation, meaning that using it to adjust incomes over time would understate growth in real incomes. If it wants to tackle harmful drinking, it would be better to sort out these anomalies in duty rates and to reverse the long-term trend to lower duties on spirits, which are disproportionately consumed by heavy drinkers. Careful, evidence-based design and a clear understanding of its role alongside other initiatives are needed before any such policy is rolled out. ICAEW is a founder member of Chartered Accountants Worldwide and the Global Accounting Alliance. The field work for the first wave covered 2006-08 and interviewed 71,268 individuals in 30,595 households. Its starting point ought to be that providing people with tax relief for pension saving when contributions are made, and charging tax (including National Insurance) on withdrawal, is the efficient, neutral basis for personal taxation.
This is then built on in London’s secondary schools so that children leave with strong GCSE results compared to other poor children outside of London. Previously Elizabeth managed Scotland’s Global Footprint Project, which worked with local authorities to measure and reduce the carbon impact of their policies and programmes. As a result, schools in similar circumstances would, for the first time, receive similar levels of funding.
The table below shows the absolute and relative poverty lines in 2015–16 used in the report. She also managed the Wild Rivers Project, which helped prepare stakeholders for the implementation of the EU Water Framework Directive, and represented WWF UK on the WWF Arctic Programme.
Although we cannot detail the precise effects of this reform as the government has not yet proposed an exact formula, our report published today seeks to set these reforms in a proper historical context. Prior to joining WWF, Elizabeth worked for the US Foreign Service, with postings in Moscow, Sofia, London and Edinburgh, along with a stint in Alaska developing the Arctic Council.



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