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Following the recent consultation, BIS have now issued the draft amendments to the NMW regulations. These amendments which will come into force from 1 October 2011 are good news for HEIs. The key change is to take full-time HE and FE students, who are enrolled at an HE or FE institution, outside the accommodation offset rules. In BIS’s view, determination of whether a student is full-time should be reasonably straightforward, for example by reference to the course prospectus or application form.
The new regulations do not reflect our full wish list. In particular we would have liked the exemption to include part-time students and post docs, and for the amendments to be retrospective. BIS also rejected the pleas of some other respondents who were keen for the amendments to be extended to third party providers of university accommodation. On balance, BIS’s approach is understandable because their primary duty is to protect workers, and so they need to err on the side of caution to avoid compromising the effectiveness of the regulations. We
We ended the week with QE3 off the table. Or is it? US housing data, and Consumer confidence, US FOMC Meeting Minutes, Canadian and Swiss GDP, US employment data including NFP are just a few of the interesting events awaiting us this week. Here is an outlook on the major market-movers ahead.
Last week US durable goods orders leaped by 4%, well above the 2.1% increase expected. The German Ifo Business Climate was weaker than expected and the ZEW Economic Sentiment It fell to a level of -37.6, much worse than estimated. Will we see further improvement in the US economy this week? And will the Euro-zone crisis continue?
Let’s start
Politicians often bandy around international comparisons to demonstrate that the policies they are advocating have global support while their opponents are internationally isolated. Two comments spring to mind when reviewing the OECDs latest growth estimates: first, if you are wrong, the fact that other people are wrong too may be some comfort, but it doesnt mean youre right; and second, when it comes to the international economy, when everyone is heading in the same direction, it almost always ends badly. What seems to be happening at the moment is a pretty much textbook case of a downward spiral in global demand and global growth, and thats not good news even if it means the UK coalition government is in plenty of company.
The details: OECD GDP growth slowed to 0.2% in the second quarter of 2011 from 0.3% in the first quarter, according to figures published on 22 August 2011. The
We all know the deal. Go to college, study hard, get good grades, graduate, get a well-paying job, get married, and buy a home. We often feel like buying a piece of property is the next logical step in growing up.
Lately I’ve been receiving many emails about real estate. Maybe it’s due to the economy and how things have been going.
I put together a guide a few months back on making the decision between renting or owning a home in your 20s (you can pick the guide up here).
Let’s answer the important question here…
What’s the best time to buy a home? I didn’t want to pull an answer out my ass. So I decided to check one of my favorite books on personal finance, I Will Teach You To Be Rich.
Ramit Sethi on when you should buy a home:
What if you want to start looking into a home purchase right now? What if you’re a young professional looking to get into ownership? What if right