Investment in futures transactions are easy to understand. The periphery of the negotiation seems complex, but once you know the principles you can easily navigate to the top of the pack in More »
Every year people use informal debt management plans for resolving their debt problems. These plans often last for several years, and what alternatives would borrowers be better considering? Debt management plan has More »
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Yesterday, just after we had released our weekly digest, HEFCE announced the second stage of a consultation on future arrangements for allocating funding for teaching in universities and colleges and implementing government policy on student number controls. The consultation follows changes to the funding of higher education in England, set out in the Government’s White Paper, and informs us of HEFCE’s approach to teaching funding and student number allocations from 2013-14 onwards. Whilst grant funding for teaching will reduce significantly over the next few years, HEFCE believes that fee income, on top of their continued funding will enable HEI’s to maintain or even increase their teaching income over the next few years.
HEFCE proposes that its funding should be targeted on seven key areas to ensure a high-quality educational experience for every student:
1) funding high-cost subjects
2) additional postgraduate funding
3) continued support of flexible provision, including part-time and accelerated undergraduate courses
4) addition HE costs due to being based in London
5) continued promotion of fair access and widening participation
6) support for HEI’s with high-value, high-cost provision, including conservatoires and specialist colleges of art and design
7) new approach to strategically important and vulnerable subjects (SIVS)
Sir Alan Langlands, HEFCE’s Chief Executive, said: “Our proposals put students first. We will invest on their behalf
Are you a Facebook addict? Do you know anything about the company thats responsible for you being tagged in those embarrassing photos? Are you considering investing in this company when it goes public?
Since Facebook is going to public, were going to find out more about the company. Theres more to the company then just being responsible for many breakups and unnecessary updates from friends that dont know what should be kept to a private text message. If you read my previous post on how the stock market works, you already know that investing is all about putting your money into a company that has a strong management team.
Facebook had 483 million daily active users on average in December alone. They also had a full-year net income of $1 Billion. Zuckerberg, the founder in case you didnt know, is 27 years old. After all these years of experience and being in the public eye, hes not even 30 years old yet. Facebook has 845 million users.
Welcome to our week-long series on refinancing your mortgage. In this third of five articles, we look at the FHA Streamline Refinance program.
Yesterday we looked at the Home Affordable Refinance Program. Called HARP, this program helps homeowners who have an underwater mortgage lower their interest rates. But it only applies if your mortgage is owned or guaranteed by Fannie Mae or Freddie Mac.
Today we will cover a program for those who have a mortgage insured by the Federal Housing Administration.
Called the FHA Streamline Refinance, this program reduces the documentation necessary to refi. For those with an FHA loan, here are the eligibility requirements:
You can check out FHA mortgage rates online, and then speak to a mortgage broker about these eligibility requirements.
Perhaps the biggest benefit of an HFA Streamline Refinance is that it does not require an appraisal.
David Willetts delivered a very upbeat speech at the Politeia Winter Address last Thursday. According to Willetts, “our universities are precious national institutions which the Government wants to see well supported. Reducing the costs universities face will enable them to focus more of their resources on world-class teaching and research”.
He also referred to the implementation of the cost sharing exemption for VAT as “an agreement reached with Her Majesty’s Treasury (HMT) will enable universities to become more efficient through closer collaboration” , and confirmed that he had written to our UUK to “give…the good news about the Treasury’s agreement to exempt shared services from VAT. The Treasury has confirmed that, under the principle of direct effect, universities can immediately benefit from this decision, and I know it will be welcomed by institutions.”
Whilst we at BUFDG did welcome the news when it was released by HMT in early December, we hope that our readership remain of the opinion that the adoption of the EU Law into UK Law is only the starting point. We are still a