Wales launches climate change blueprint

A five-year blueprint to tackle climate change in Wales has been launched by the Welsh Government.

Prosperity for All: A Climate Conscious Wales sets out plans to improve flood defences, secure water supplies, and other environmental improvements.

See the source image

Environment minister Lesley Griffiths said the plan is “challenging”.

But Welsh Conservative Andrew RT Davies said “questions must be answered” over if the plans are “workable” and “economically viable”.

The plans build on the climate emergency declaration made earlier this year and Wales’ first climate change conference, the Welsh Government said.

Ms Griffiths added: “But we must all adapt and we must all commit to protect our nation for current and future generations.

“Success will mean Wales is a climate conscious nation, aware of the risks facing us, whilst being prepared and ready to adapt to the impacts before they occur.”

The proposals include:

  • Building defences to guard against flooding and coastal erosion
  • Protecting water supplies from drought
  • Reducing the use of pesticides
  • Growing more woodland
  • Creating more open spaces
  • The creation of 25,000 more energy efficient homes by 2021

Source: BBC News

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Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

UK Homeless Crisis: 150 homeless families in Oldham

‘Shocking’ figures show that nearly 150 families in crisis are stuck living in temporary accommodation in Oldham.

The town hall’s housing boss told councillors there there are more than double the number of ‘homeless households’ turning to the council for help than last year.

Coun Hannah Roberts told the full council meeting: “The figures are shocking and show a marked increase in families in crisis in Oldham.”

She was responding to a question from St Mary’s ward Councillor Nyla Ibrahim, who asked how many families are living in temporary accommodation waiting for a new home, compared to 2018.

“What action is needed to solve this crisis?,” she asked.

The meeting was told that in quarter two of last year – April 1 to June 30 – there were 67 households in temporary accommodation.

In the same period this year, there were 148 families in temporary accommodation, with 146 still not placed into a permanent home.

Source: Manchester Evening News

UK Greetings card chain Clintons in survival talks with Landlords

Greetings card chain Clintons is considering shop closures and rent cuts as part of a survival plan.

The retailer, which has about 2,500 staff, is in restructuring talks with landlords in another sign of the High Street crisis.

A spokeswoman told the BBC no decisions have yet been made.

Clintons was responding to reports on Sunday that it wanted to close 66 out of 332 shops, with landlords slashing rents on most of the other stores.

The restructuring would involve a controversial scheme known as a company voluntary arrangement (CVA), an insolvency process that allows companies to continue trading while pushing through closures and rent cuts.

A Clintons spokeswoman said “discussions are continuing with our landlords but no decisions have been made”.

But she declined to comment on a Sunday Telegraph report that the company told landlords 90 of its shops were loss-making and that sales were expected to continue to decline.

Source: BBC News

How to prepare for buying a property in the UK

Buying a property in the UK is a huge investment and most times a life time investment and as such must be approached carefully and with the utmost preparation. Below are key points that can help you prepare for buying a property in the UK;

PIPA property photo

  • Build up your savings by reviewing your expenditures downward to increase your disposable income.  If you’ve got loans or credit cards it makes sense to repay them first. This is because the interest you pay to borrow is usually higher than the interest you get on savings accounts.
  • Save for your deposit. Buying a property requires deposit and the more deposit you have the better change of getting a good mortgage deal.
  • Check your credit score and report to make sure its good enough for a mortgage loan. If not you should work towards improving it.

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  • Plan your budget based on the most you may have to pay for a mortgage, try not to take the maximum mortgage on offer, and don’t forget to include mortgage related costs and fees.
  • Work out how long you could live on savings if you lost your job.
  • Check what benefits your employer will provide if you get ill.
  • Consider taking out insurance in case you are made redundant, get critically ill or have an accident.
  • Use mortgage calculator to work out how much a change in interest rates would affect your own loan.

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

Residents in London approve regeneration plans

The Brent council in London Borough held a residents’ ballot in South Kilburn in autumn 2019 to make sure that the community continued to support the award-winning regeneration of the estate.

The result saw residents overwhelmingly back the council’s plans to rebuild the neighbourhood. 84% of residents voted Yes in the ballot, with 72% of residents taking part in the vote.

The South Kilburn regeneration is a 15 year programme that is almost half way through. It aims to transform the area into a sustainable and mixed neighbourhood and create a real sense of place and belonging.

South Kilburn from the air 319px by 180px

The Masterplan aims to deliver the following:

  • 2,400 new high quality homes of which around 1,400 will be made available to existing South Kilburn existing secure tenants
  • A new larger high quality urban park and improved public realm
  • A new primary school and health facilities
  • New retail facilities
  • Improved environmental standards and a site-wide energy solution

It means 17 housing blocks will be knocked down and rebuilt.

SK Brent

Councillor Shama Tatler said: “It is only right that local people had the final say on the future of their neighbourhood.“

All current tenants are guaranteed a home on the rebuilt estate, while leaseholders can choose to leave the estate with a market value payment for their home or stay with a share of the equity in one of the new homes.

Those living in temporary accommodation will be entitled to a secure tenancy in a new home on the estate when one becomes available the council said.

Source: Brent Council

For property investment in the UK from start to finish, Please Contact me

Dennis Bebo – MSC, BSC, DEA, CeMAP

TA DenEco Consultancy – www.deneco.co.uk

How to be Debt Free

Majority of us have debts which range in various degree, size and complexity. The most important thing about debt is how it is managed and the effect it has on our general wellbeing. This short article is about the most effective and affordable way to manage your debt and thereby being debt free in no time.

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REVIEW YOUR DEBT

The starting point is to have a comprehensive review of your total debt in a simple format that provide an overview of all your creditors and the amounts you owe. The total amount of debt and interest paid on each of the debts is very important to place priority to the sequence and affordable amount to payable. The best option is to have a debt payment plan bases on affordability and priority with categories such as non-negotiable, large amount, high interest, negotiable, small amount, low interest etc.

 

REVIEW YOUR INCOME AND EXPENDITURE

It is very important to review your income and expenditure with the aim of increasing your disposable income. There are several ways of doing that which will be a topic on its own. Our focus here is to maximise income and minimise expenditures as much as possible to have the much needed disposable income to manage debt effectively.

Home energy

TALK TO YOUR CREDITOR

Always let your creditor know as soon as possible if you are struggling or aware of a situation that will affect you making payment. Using your payment plan call all your creditors to negotiate an affordable amount and frequency of payment you can maintain. Most creditors will work with you to set an affordable minimum payment plan as long as possible.

 

REGULAR REVIEW OF PAYMENT PLAN

Once you have been able to set affordable payment plan with all your creditors, it is even more important to maintain and review your payment plan regularly to aim at making affordable adjustment where necessary to clear off your debt as soon as possible. Also don’t forget to seek financial help and advice either free or paid.

Please commend and let me know if you need further advice on the above,  Property investment, Energy and more

Written by

Dennis Bebo MSC, BSC, DEA, CeMAP