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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. Vincent Cable read Natural Science and Economics at Cambridge University, where he was President of the Union, followed by a PhD at Glasgow University.Vince worked as Treasury Finance Officer for the Kenya Government between 1966 and 1968. After graduating from university, Michael worked for Coopers & Lybrand in Edinburgh where he qualified as a Scottish chartered accountant.
In 1995 Michael returned to the Borders and in 1997 he was elected as an MP following the retirement of David Steel. In May 2010, following the formation of the Coalition Government at Westminster, Michael was appointed Secretary of State for Scotland.
As MP for the Borders, Michael remains committed to assisting his constituents as his top priority and to work for the best interests of the area. Lord Smith has a strong financial services background and a wealth of experience gleaned from a wide range of positions. Working for Carillion Service for over 3 years Siobonne leads the strategic development of energy services to the private, social and commercial sector. Nathan has focused in recent years on the commercialisation and development of growth strategies for "green", low carbon and smart business strategies for cities and regions in the UK. Jonathan has over 20 years’ experience in the Technology, Design, Property and Construction sector, as well as in Finance and Investment in Strategic Development working with both the private and public sector. Jonathan has overseen the development of projects, particularly for two funding mechanisms: REIF (Renewable Energy Investment Fund) and UK GIB (Green Investment Bank). A large part of Jonathan’s role is liaising between the public and private sectors for project inception and development. Until recently, Jonathan also carried out a similar role for the City of Edinburgh Council, for strategic property and investment development. Jonathan created Project Edinburgh and the String of Pearls projects for the City of Edinburgh whilst on secondment from Standard Life from 2004 to 2008.
Having created a number of development frameworks, projects and investment opportunities with the Project Edinburgh Design Team; Jonathan and the team then secured major investment interest in the city from global investors and developers. Alex is a native Glaswegian who, after Strathclyde University, joined the Met Office in the early 1970s. He has held a variety of posts working amongst others as a forecaster at RAF Leuchars, Glasgow Weather Centre, Senior Forecaster London Weather Centre, and Senior Forecaster for the ITV National Weather. After London Weather Centre he moved on to manage the Met Office defence network in the south of England and the Mediterranean. Owen Kelly was appointed as Chief Executive of Scottish Financial Enterprise (SFE) in January 2008.
Owen’s role focuses strongly on representing the industry to governments and regulators in Scotland, London and Brussels. Rachel Kyte is the vice president for sustainable development at the World Bank, where she has overall responsibilities for the organization’s global work in agriculture, environment, energy, infrastructure, urban, and social development, along with global public goods issues in those areas. Under his leadership it has grown into the largest group of its kind in Europe; he has also been involved in the creation of six University spin-out companies, one of which was awarded the Queen's Award for Enterprise.
He was promoted to Deputy Principal in August 2006 with a focus on research enhancement and business development. Ian is an economist by academic training and qualified as an accountant with Arthur Andersen in London before making his career in private equity at 3i, from 1987 to 2011. Keith is Head of the Projects Group at Brodies and has been practising in projects for more than 15 years. Fiona Riddoch has worked in a range of management roles in sectors spanning consumer electronics to wind turbine components, and building system controls. American School of Genealogy, Heraldry and Documentary Sciences - Program DescriptionsA MODULE DESCRIPTIONSA. David has been a career civil servant since graduating in Modern History and Economics from Glasgow University in 1978. Transport Scotland is the Government agency in Scotland responsible for the Scottish Government's responsibilities across all transport sectors. David lives in Edinburgh, is married to Diane with one daughter, Alison, and plays golf whenever time allows.
Archie Robertson OBE is an experienced strategic leader who has worked across the transport and infrastructure sectors. He chairs two development companies involved in technology solutions for the construction industry, and urban wind generation technology. A graduate of Stirling University, he is a fellow of CIHT, a Companion of the Chartered Management institute, and a keen hill walker. John is a traffic engineer, transport planner and urban designer with 27 years’ experience. John’s reputation is based on his project work, and he has considerable experience in the conception, design, execution and management of a wide range of transport, traffic and street improvement projects in different types of settlement all over the UK. Ian is the Chief Officer of the Scottish Charity Paths for All, a post he has held since July 2003. Ian has an Honours Degree in Ecological Science and Wildlife Management from Edinburgh University and has worked in the environment and health sectors in Scotland for the last 30 years. Ian is a voluntary Trustee of a number of environmental and community development charities. Born in Edinburgh while the trams originally ran, Bob grew up in Gracemount where holidays and evening were spent walking the Pentlands, Braids and pavements of Edinburgh also because you were not allowed home until Tea and bed.
Sport changed Bob’s direction in life and allowed him to enter SSPE Jordanhill college as a PE Student (Drilly) living for 3 years in Yoker in Glasgow. Lesley Hinds first became a Councillor in 1984 and currently represents the Inverleith ward.
Alastair spent his early career years working for one of the country’s top advertising agencies. In 2008, Falkirk was one of the first towns in Scotland to go through the process of becoming a Business Improvement District (BID), whereby town centre businesses voted in a legally binding ballot in favour of contributing collectively to improve the town centre through initiatives and services over and above those provided by the statutory bodies. In 2011, the Falkirk BID (Falkirk Delivers) became the first BID in Scotland to successfully undertake a renewal ballot, with town centre businesses voting in favour of continuing with the BID process for a period of five years. Alastair, his team, and his board of directors deliver a series of innovative projects and services contained in the BID Business Plan that aim to clean up the town centre, make it a safer place and more vibrant place in which to visit, work, live and invest. He has a background in neighbourhood regeneration and renewal and health improvement, and has held a number of senior policy adviser roles in government. Chinese paintings, and may also be of some assistance even to the more sophisticated scholar or collector of Chinese paintings in bridging some of the diverse gaps that still exist in our collective assessment of individual works. Chinese ethnicity, and generally trained through the traditional private master-pupil relationship. This approach to learning by copying was the standard method by which all Chinese artists learned to paint. Taipei Xiaozhong xianda album, does add some credence to the notion that the Taipei album may in fact be by Wang Shimin himself.
Based on the theories of scholar painters of earlier periods, chiefly Su Shi (1036,1101) and Mi Fu (1051-1107) of the Song, Zhao Mengfu (125-1322) of the Yuan, and Dong Qichang (1555-1636) of the late Ming, the Qing dynasty literati painters, who generally were also connoisseurs and collectors, established an orthodoxy of correct models, techniques of painting, and most important, standards for brushwork. A A A  This approach to learning by copying was the standard method by which all Chinese artists learned to paint.


A A A  In a remarkable set of twelve hanging scrolls, now in the Shanghai Museum, painted in 1670, Wang Jian transformed these compositions once again, but this time into full~size vertical scrolls of uniform dimensions.
A A A  Based on the theories of scholar painters of earlier periods, chiefly Su Shi (1036,1101) and Mi Fu (1051-1107) of the Song, Zhao Mengfu (125-1322) of the Yuan, and Dong Qichang (1555-1636) of the late Ming, the Qing dynasty literati painters, who generally were also connoisseurs and collectors, established an orthodoxy of correct models, techniques of painting, and most important, standards for brushwork.
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. After lecturing at Glasgow University in economics he worked as a first Secretary in the Diplomatic Service in the Foreign and Commonwealth Office (1974-1976). Michael and his family spent time in Inverness and after the army stint settled in Lanarkshire. In opposition, he focussed on foreign policy, defence, international development and Scotland. Currently Chairman of SSE, which is the second largest producer of energy in the UK and has the largest renewables portfolio in Britain, he has a comprehensive knowledge of energy trends. In the early part of her time at Carillion she lead in the development and delivery of solar pv programmes in the domestic and commercial sectors as well as being involved in some early electric vehicle charging post projects. Previously, as a Partner at Grant Thornton UK LLP, Nathan worked with public and private sector organisations, across a wide range of projects and programmes in social, environmental and economic infrastructure. This has involved the development and coordination of the Scottish Green Investment Portfolio (SGIP) assisting the accessibility for finance for Low Carbon and Green Sector projects, development and planning of new funds and delivery structures for Energy, Waste and Community Renewable projects. He advises on the development of teams to progress projects and investment structures and sourcing Public and Private finance and delivery interest for major projects.
Alex then became Head of London weather Centre where he lead a team of forecasters responsible for severe weather and road forecasts in the southeast of England, rail forecasts for the UK as well as overall monitoring of UK National TV and radio output. Prior to her appointment in 2011, she was the International Finance Corporation's vice president for business advisory services and a member of IFC's management team. In October 2006 he was appointed Director of the Glasgow Research Partnership in Engineering (GRPE), part of an £80m collaborative pooling funded by the Scottish Funding Council. As a former senior BBC correspondent he understands the importance of balance and neutrality. He has built up a broad range of expertise, and has experience advising lenders, developers, utilities, contractors and the public sector in project finance, JV and public sector-private sector transactions. A large part of her working career was spent with Honeywell Controls Ltd moving from manufacturing to marketing, and business management, in Scotland, Germany and around the world.
Educated at Alva Academy, she went on to graduate from Glasgow University with a Social Sciences MA and Jordanhill College with a Postgraduate Certificate in Community Education. Latterly she was Shadow Minster for Health and Social Justice and a member of the Parliament’s Health Committee before being appointed Minister for Public Health in the Scottish Government formed after the May 2007 election. He is the Design Director for a variety of street and public realm design schemes, several of which have recently been implemented or are in advanced stages of delivery.
Paths for All’s vision is for a happier and healthier Scotland and its main area of work is to promote everyday walking. He has previously been employed by Clackmannanshire Council, Scottish Natural Heritage and the Scottish Wildlife Trust. In his spare time Ian enjoys mountain biking, hill walking and sailing, as well as eating good food and attending outdoor music festivals with family and friends. He leads Living Streets Scotland’s work getting more children walking to school, improving walking environments with communities and campaigning for safe, attractive, enjoyable streets, where people want to walk. 5 years ago the department researched 5 walks around the school lasting 1 hour and introduced the walks during curricular PE. Ian joined the then Scottish Executive in 1999 initially working on the Scotland’s first policy on architecture published in 2001. In his teens he toured Britain by bike enjoying the architecture and ambience of the urban environment. He then spent a few years as advertising manager for one of Scotland’s leading tyre and exhaust retail specialists. Before taking up this position, he led the Cross Government Obesity Programme, based at the Department of Health. Tony was a founder member of the government's Neighbourhood Renewal Unit from 2001, where he was responsible for national work on neighbourhood management and health inequalities and the development of Local Strategic Partnerships. Following the model of the calligrapher, the best painters sought to master the styles and techniques of a number of different artists and gradually to synthesize the results into an individual personal style. 4 In either case, the album embodies the attitudes of early 17th century literati towards the artistic process. The assumption was that a skilled artist was capable of capturing the essence of each large-format model and recreating the essential stylistic features and spirit of the original through his scaled-down copies. In the case of the literati scholar-painters, the student not only mastered the techniques of painting but also aligned himself, through the selection of appropriate models to copy, with the great masters of the past. 7 Wang ]ian probably painted this series, or other versions of the compositions depicted in this album, many times. The same composition could be ascribed to different artists, even by the same copyist, but this did not lessen the value of either the original or the copy. Using calligraphy as a model, the Qing literati reinforced the notion that brushwork should be the principal criterion for judging quality in painting.
It is crucial, therefore, that the visual templates themselves are accurate representations of the categories they purport to represent. It is for this reason that it is useful to study copies and forgeries in addition to original works, using the former to chart the evolving image of early masters down through the subsequent ages.
Today, we fly all over the world to view blockbuster exhibitions in Shanghai, Beijing, Tokyo, New York, London, and Taipei. Wai-kam Ho, editor, The Century of Tung Ch'i.ch'ang 1555-1636, volume 2, Seattle and London, 1992, p. 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. He was then Deputy Director of the Overseas Development Institute, which included a period working for the then Secretary of State for Trade and Industry, John Smith MP, as a Special Advisor. He is also Chairman of The Weir Group plc, Glasgow 2014 (the Commonwealth Games Organising Committee, and Non-executive Director of Standard Bank Group Ltd. Recent focus has been has been heavily weighted towards the emerging Green Deal and Energy Company Obligation policies as she has worked with DECC, other industry leads and internally to bring a sustainable business model under these new energy efficiency policies. His key policy specialisms in government were EU and international relations, and communications. In the last few years Nicolas has advised on a number of transactions including the IPO of Greencoat UK Wind (2013), the acquisition of SSE’s Swedish wind portfolio by HgCapital (2013), the acquisition of the Dudgeon offshore wind project by Statoil and Statkraft (2012), the fund raising for Gaelectric Irish wind asset (2012), the acquisition of Elkem by ChemChina (2011), the acquisition of Clipper Windpower by UTC (2010), the acquisition of a stake in Camco by Khazanah (2010), the acquisition of Danstoker by Thermax (2010) and the sale of Dewind to Korean Daewoo (2009).
As part of the Scottish Engineering research pool, he acts as Chairman of the Energy Technology Partnership. John Morrison is the owner of Morrison Media Strategies a leading PR, Public Affairs and Media Training company.
His experience spans a number of sectors, including renewable energy, urban regeneration, health, education, waste and transport.His primary focus is the development of the firm's infrastructure practice in particular renewables, urban regeneration and public sector-private sector transactions. Rail projects include the new Borders Railway line, the Edinburgh to Glasgow improvement programme and overseeing the procurement of the new Scotrail franchise. Previous to that he was CEO of the Highways Agency, where he introduced the use of hard shoulder running and Highways Traffic Officers to tackle motorway congestion. Alongside his Chairmanship of Living Streets, he also works to improve the lot of disadvantaged young people through the Prince’s Trust inScotland. John is Independent Design Advisor to the City of Edinburgh Council, a Design Council CABE Enabler, a Design Review Panelist for Transport for London and Urban Design London, and a contributing author to Manual for Streets 2. These include Camden High Street, Clapham Old Town, Harrow Station Road, Wood Green and the Crossrail stations at Liverpool Street, Abbey Wood and Hayes & Harlington. Prior to joining Living Streets, he worked as a senior researcher in the Scottish Parliament, focusing on transport, environment and health issues, as a region-wide travel plan officer, took a MSc in Transport Planning & Engineering and worked as a teacher in Japan.
After 3 years of Teaching, Bob headed for Europe again playing Rugby in France, then working for 3 major Outdoor companies Karrimor, Berghaus and Vango in European sales eventually based in Alkmaar in the Netherlands. They were tremendously popular with pupils as they could be active for 60 minutes, see parts of the catchment they had not been to and chat with Staff and pupils in fresh air.
Born in Dundee, she has lived in Edinburgh for over 30 years in the Drylaw area of the city with her husband Martin, while bringing up her three children. Within Government, APDE provides advice to Scottish Ministers on architecture and the built environment and is the sponsor team for Architecture and Design Scotland (A+DS).
Towns and cities have to look good, feel good and be pleasant and comfortable to move around in. They attempted to transform the methods of their predecessors and use them for their own creative ends. The copyist hoped to penetrate the internal essence of the original artist's creation and transmit the spirit of the large compositions through his small copies that duplicated the external forms of each composition. Many artists of the same aesthetic persuasion as Wang Shimin produced versions of the same compositions featured in the Xiaozhong xianda album. 13) is a highly attenuated version of the now-familiar composition elsewhere ascribed to either Wu Zhen or Juran.
Ming scholar painters, such as Shen Zhou (1427-1509) and Wen Zhengming (1470-1559) had modeled their styles primarily after Zhao Mengfu and the Four Yuan Masters. The connoisseur must constantly update his visual database as new discoveries are made and new evidence is revealed.
Moreover, connoisseurship in general has been increasingly de-emphasized in art history programs worldwide, in favor of less object-oriented approaches to art. 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. From 1983 to 1990 Vince worked as Special Advisor on Economic Affairs for the Commonwealth Secretary General, Sir Sonny Ramphal.From 1990 Vince worked for Shell International and in 1995 became Shell's Chief Economist. He has held positions on various private and public boards including the Financial Services Authority and Financial Reporting Council (FRC), and a number of key positions within the banking industry. Her continued aim is to find increasingly appealing and easily accessible ways to make energy efficiency the obvious choice by combining different policy drivers, financial mechanisms and buying behaviours of people in their homes and in their businesses as we all have a responsibility and a great opportunity to drive changes and improvements to eradicate fuel poverty, improve the energy efficiency and in turn support the fight against climate change. He spent two years in Tokyo in the 1990s, promoting Scotland as an investment location.Owen joined the government service in 1988, shortly after graduating from Edinburgh University with an honours degree in Chinese.
He has also advised a number of State owned utilities on their nuclear strategies including South African Eskom, Hungarian MVM and Romanian EnergoNuclear. The renewables sector is a growing area of practice and he has advised clients on windfarm, hydro scheme and bio energy projects.
His organisation also gave several towns and villages their streets back by traffic diversion. In terms of transport planning, John’s portfolio includes ongoing and recent projects in Southampton, the London Olympic Host Boroughs, London Docklands, Middlesborough and Sunbury. Dawn was co-host of the 8th World Congress on Active Ageing, in 2012 and on the Expert Panel for the Chief Medical Officers Start Active Stay Active recommendations for physical activity and public health in 2011.
They also had a ready made way of exercising after school at low cost leading Active lifestyles in beautiful Midlothian.
Between 1994 and 1999 Ian was head of the Scottish Arts Council’s Capital Programme funded by the National Lottery. Since 2006 Mike has been a tetraplegic wheelchair user (no more cycling or sailing!) and has a different perspective.His principal activities are concerned with disability access and transport issues, working with Councils and Parliament through organisations such as SATA and Disability Access Panels.
Falkirk was the first town in Scotland to appoint a full-time Town Centre Manager some 25 years ago.
960~980) and Wu Zhen i??(1280-1354) in the album on paper, but curiously assigned to Wu Zhen and Xu Ben (d. Although Wang had to manipulate the proportions of the landscape elements in order to fit the vertical format, he retains all of the basic forms and compositional relationships among forms. In other words, a painter's individual personality was discernible and significant, but only within the context of a relatively narrow range of acceptable conventions of brushwork techniques and compositional modes.
By adapting large vertical compositions on silk to smaller, less vertical formats, often on paper, the early Qing literati were able to expand the pantheon of acceptable models to include a broad range of artists from remote antiquity who worked in styles as diverse as those of Fan Kuan (c. We can exchange information twenty-four hours a day with colleagues halfway across the world by telephone, fax, and e-mail. 960~980) and Wu Zhen (1280-1354) in the album on paper, but curiously assigned to Wu Zhen and Xu Ben (d. 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.
He was made head of the economics programme at Chatham House and since becoming an MP, has been appointed a fellow of Nuffield College, Oxford and a visiting research fellow at the Centre for the Study of Global Governance at the LSE, for a 3 year period until 2004.Vince Cable served as a Labour Councillor in Glasgow between 1971 and 1974, before joining the Social Democrat Party.
For example, he recently advised the funder on the refinancing and repowering of the first ever UK commercial windfarm in Delabole, Cornwall. She also runs training courses to move research into practice with allied health professionals and fitness instructors. After qualifying as an architect in 1984 Ian worked in a range of public and private sector practices in Edinburgh, London, and Glasgow – specialising in community regeneration work.
1403) in the silk versions, were most likely part of a complete album on silk, or perhaps silk and paper. The harsh, raw strength of the brushstrokes and the intimidating angularity of the forms in the original are entirely lacking. Chinese paintings are sold at public auction and in galleries, and are available for study in museums throughout the world. 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.
In 1997 Vince Cable was first elected to Parliament to represent Twickenham.He joined the Liberal Democrat Shadow Cabinet in October 1999 as Spokesman on Trade and Industry after a spell as a junior Treasury spokesman.
Her recent research (MRC and NIHR) focuses on effects of visualisations of biomechanics on adherence to exercise in older people with a history of falls, group versus home exercise referred through the GP on habitual physical activity, effects of the Otago home exercise programme in visually impaired older people, the outdoor environment on avoidance of activity and falls in older people and reducing sedentary behaviour (long periods of sitting) in older people. She also has knowledge of various industries such as retail and tourism (former Chair Tourist Board) and was Convenor of Lothian and Borders Police Board for 4 years. 6 In any case, Wang Hui's version reflects the same attitude of reverence towards the ancients and similarly attempts to faithfully convey the spirit and form of the original compositions. 1046-after 1100), and Gao Kegong (1248-1310), as well as the Four Yuan Masters and Zhao Mengfu. We have the tools to elevate connoisseurship to an unprecedented level of accuracy but, in order to do so, we must match the diligence, sensitivity, and passion of our predecessors. 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. He was the Liberal Democrat Shadow Chancellor from November 2003 until May 2010 and was Deputy Leader of the Liberal Democrats until May 2010. He continues to advise public sector clients such as Glasgow City Council on the athletes village development for the Commonwealth Games 2014, and Aberdeen City Council on the rescue and refinancing of first UK PPP project to suffer a lender default. It is what motivates me to seek to bring about improvements to services that will benefit everybody. As Convener of the TIE Committee I no not underestimate the size of the task ahead in delivering the trams project and other infrastructure initiatives. Historical differences in scale, function, and artistic intent were subordinated to the promotion of a universal aesthetic based on brushwork.
In using the resources available to trace family lineage the student will search records both on the World Wide Web, and in historical libraries and archives.
Students will investigate death certificates, wills, Bible records, census records, birth certificates, and other primary records to teach students to identify ancestors in building a lineage line.
Students will be expected to write a family history of a family line through three generations including historical context (who are they, what did they do, where did they live, accomplishments and community connections).
A special focus will be placed on students visiting ancestral sites and archives and visiting ancestors to transcribe oral history.
Swansong, 2010.A Module 3 a€“ Introduction to Heraldry An important a€?cousina€? to genealogy is the study of heraldry. The common coat of arms consists of many aspects including helm, wreath, motto, charges, shield and tinctures. Students will write a research paper and complete exercises, which illustrate their learning from the course. Students will study the Billingsley Kinship Theory and its significance in genealogy and how the power of kinship drove migration, settlement patterns, marriage, politics, economics, and religion.
Students will also discuss other non-theoretical family studies, which focus on kinship and why they are not considered theoretical works. What theory is, and what it does for research and knowledge, with its explanatory, predictive and classificatory powers will be addressed. Coat of arms, which are official symbols of a family emblazoned on a shield, were created and signified ancestry and eminence. The people of ancient Greece and Rome often professed divine ancestry while others frequently said their ascendants were members of the animal kingdom.
476 to 1453 due to the evolution of the social system that emerged in Europe during the 8th century, which made social standing and inheritance subject to lineage. In some cases, genealogy is also used to trace the lineage of individuals seeking to gain membership into certain organizations and religious fellowships.
Students will become acquainted with different sources of records of American historical land resources.
Students will discuss issues encountered in their research on the utilization of land records and write a paper illustrating the use of land and property resources. Court and Immigration Records a€“ 3 creditsThis course will provide the student with Immigration and Migration laws for becoming a US citizen, a source of data for the genealogist The student will develop skills in using immigration records to conduct their genealogical research and obtain knowledge and skills in transcribing court records and reading wills for genealogical research. Eklund)A Module III Methodology of Understanding and Using the Genealogical Proof Standard.
They will learn how to include an accurate citation to the source (s) of each item of information that is used. They will learn how to analyze and correlate the citation information to evaluate its quality of evidence and resolve any conflicts caused by conflicting items of evidence. Some forty or more foul organizations are pumping out hundreds of counterfeit title holders and knights.
Tunesi of Liongam)A Module VII Heraldry II Teaching the Development and Use of Corporate Heraldry (English ) a€“ 3 credits The use of Heraldry by corporations, both civic and commercial, primarily from the English perspective, from the oldest known English grant of arms to the Drapersa€™ Company of the City of London in 1419 through to the grants made to modern multinational companies, as well as other civic, professional and governmental bodies.
The course will also look at the use of armorial bearings by corporations on buildings, advertising and other media, both traditional and contemporary. Topics covered include basic DNA concepts, basic genetic concepts, how DNA testing is done, and how genes are mapped. Also discussed are the Human Genome Project and its significance and how genetic information can be used in teaching genealogical research. The Pilgrims settled on the coast of Cape Cod at Plymouth, Massachusetts after a three-month voyage on the Mayflower from England (Urdang, 1996).
We will explore family life in England, written from research material, artifacts, wills, census, parish registers and county records. We will look at the evolution of family life over the centuries, looking at narrative, pictorial, photographic, literary and oral accounts. The family looked at in depth will be one that can trace its origins in rural and maritime Suffolk from the sixteenth century to the present day, using examples from parish registers. This course will provide the reader with a history of the Crusades from 1095-1261 from the viewpoint of both the Crusaders and the Arabs.
It is through reading this history that one is made aware of the true meanings of Arabian and European heraldry and chivalry. Through this course students will have the opportunity to study and interpret from a historical and archaeological perspective various extracts from Biblical texts both from the Old and the New Testaments. It is not required that students have any prior knowledge of either Hebrew or Greek, although this would be an asset. It is very important that students show an aptitude to study Biblical texts from a critical perspective, especially those extracts that deal specifically with genealogical information. Although the Bible will be the basis for this course, students will have the opportunity to delve into other Near Eastern texts. Students will focus on Phoenician and Punic inscriptions, which are the only historical records that the Phoenicians have ever written. Two modules are selected by all students in which students are required to develop a practical project in teaching or in developing a business or project for a genealogical work situation.A Module XV Contemporary Adult Learning Theories- Practical Applications - 3 creditsThis course will explore contemporary adult learning theories that can be applied to the participants teaching genealogy in the changing world of our information society.
The emphasis of the course will be an analysis of the contemporary learning theories, models and strategies. Participants will explore the philosophical, historical, and legislative bases of these theories. Participants will learn a wide variety of accepted principles, techniques and theories they can apply to their teaching and presentations in genealogy. Adult learning theories related to past techniques of learning will be investigated for opinions, interest, and thinking about successful teaching presentations in professional genealogical work. Topics will include, but are not limited to, structural differences in distance learning programs, benefits of online learning ,startup factors, marketing issues, technological issues, future trends, and international education considerations. The student will analyze classic and post modern models of the curriculum development process and learn how to develop a situational analysis, write objectives, explore various modes of organizing the content of a curriculum, identify and apply criteria in selection of methods and develop a curriculum evaluation.
Students will be required to write a curriculum for a beginning genealogy program in continuing education for a community college. The course will inform the student on business ethics and legalities, how to manage their business, and help define the type of business the student is interested in operating. Students will also learn how to develop a mission statement and business plan, bookkeeping, and record keeping. Students will study types of research methodologies, parts of a research project, how to frame a problem statement and the design of questionnaires, and interviews.
The levels of learning in Blooma€™ s Taxonomy will be addressed.A section will be devoted to Grounded Theory as a generic qualitative methodology and its usefulness in genealogy.
Former home of the College of Preceptors, designed by Frederick Pinches, Bloomsbury Square (South side), London WC1.



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