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  • Revealed: why house sales are going down every year

    first_imgHome » News » Housing Market » Revealed: why house sales are going down every year previous nextHousing MarketRevealed: why house sales are going down every yearInstitute of Fiscal Studies charts rising prices over past 20 years and their drastic effect in home ownership in the UK.Nigel Lewis16th February 201801,573 Views Agents who wonder why the number of house sales continues to decline every year, and why it’s harder to find stock and buyers need ponder no more.The answer is that young middle-class buyers has been all but wiped out from the property market by fast-rising house prices over the past twenty years.Or at least that what is being claimed by the Institute for Fiscal Studies (IFS).The venerable organisation has crunched the figures and says that in 1995 65% of those between 25 and 34 years old in the middle 20% income bracket owned their own home, a figure that today is just 27%.The key reason for this, the IFW says, is that house prices have risen too fast.The mean price for a property in the UK has soared by 152% since 1995 when adjusted for inflation while the average family income has barely caught up, rising by just 22% over the same period.This has helped the average income to house price ratio to double from four to eight times, while for 38% of first time buyers the homes they want to buy are ten times their income, up from 9% of FTBs in 1995.“This huge increase in the number of young people unable to buy their own home means that more are renting and for longer periods,” says David Smith, Policy Director for the Residential Landlords Association (pictured, left).“This shows the folly of government policy imposing higher taxes to deter investment in new homes to rent.“The scale of the housing crisis demands a complete re-think from government with policies needed to support investment in homes to rent to meet the increasing demand.”Figures from the Land Registry show that that the number of homes sold during October 2017 was 63,603, down from 84,927 during the same month in 2014.The transaction figures for London are even more startling – in October 2013 nearly 11,000 were sold in the capital, while last year that figures stood at 6,264.Read more about the most recent house sales data.IFS Institute for Fiscal Studies Residential Landlords Association RLA David Smith February 16, 2018Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

  • Fungi Attack Azaleas

    first_img“We’ve had a number of samples come into the lab,” said Jean Williams-Woodward, aplant pathologist with the University of Georgia Extension Service. “So far, we’re findingtwo main causes of the branch dieback.” In Georgia landscapes, azaleas practically sing spring. So do rhododendrons in much ofthe state. But this year, many people are finding dead branches in both of these prizedornamentals. The less serious of the causes, she said, are fungal diseases that got into the branchesthrough some kind of wound. “These fungi get in and cause a canker — a sunken, dark brown, grayish area,”Williams-Woodward said. “Sometimes they can girdle the stem. And when that happens,the branch dies.” Once these fungal cankers have girdled a branch, she said, you can’t save it. But you canspare the rest of the shrub. Just prune out the dead branch and keep the plant properlymulched and watered to reduce stress. “We had a warm fall last year,” she said. “Many shrubs weren’t properly hardened off yetwhen we had a sudden cold snap in December. That caused some bark splitting in sometender branches.” “Then change the drainage,” Williams-Woodward said. “Raise the bed, or amend the soil.You have to make the site drain better, or the next plant won’t fare any better.” A long, mild spring then complicated the problem, allowing fungi to infect the wounds thecold snap left. The main culprits, she said, are Phomopsis in azaleas and Botryosphaeria inrhododendrons. Sometimes, though, the problem isn’t contained with the branch. Sometimes a single fungal canker won’t girdle a stem, she said. But two or more on thesame stem can produce the same result. You can tell the difference, she said, by cutting along the branch. If the dead, cankeroustissue isn’t contained within the stem but goes to the base of the plant, the problem is rootrot. “The more serious problems we’ve seen are root rots,” Williams-Woodward said. “Theseare caused by fungi, too. But they’re the result of poorly drained or compacted soils.” And the remedy isn’t so simple. The first step is to remove the plant — it isn’t going tosurvive.last_img read more

  • Dutch pensions sector to draw up ESG covenant

    first_imgCurrently, almost every Dutch scheme has an ESG policy based on the sector’s code for pension funds and the Pensions Act. The latter requires schemes to report on how they take the environment, climate, human rights, and social relations into account.In practice, however, every pension fund lays the emphasis in a different way, depending on industry, sponsor, or occupation of its participants.The Pensions Federation said it would seek a covenant “matching the sector’s diversity and offering added value to the pension funds and society”.It added that it wanted to use the OECD’s directive for multinational companies, as well as the UN’s Principles for Responsible Investment and “guiding principles” for companies and human rights for its ESG agreement.The €382bn civil service scheme ABP said that pension funds could benefit from each other’s experience and added that joint definitions and standards would help them operating more efficiently.ABP, however, emphasised that agreements must be clear, measurable, and feasible.Meanwhile, a separate study by GRESB and consultant Finance Ideas has suggested that only the largest pension funds, such as ABP and the €185bn healthcare fund PFZW, deploy all available tools for ESG policy.The study, which examined 171 pension funds, found that only the largest schemes took part in impact investing and had set reduction targets for carbon emissions.“Small funds have insufficient staff to implement ESG,” said Piet Eichholz, professor of finance at Maastricht University, who guided the survey. “Moreover, they are often passive investors.”In his opinion, increased co-operation could enable smaller pension funds to increase their potential for ESG policy.The researchers also concluded that the richer a pension fund is, the more attention it pays to social and responsible investment.Eichholz said they did not find a difference in ESG approach between the large sector schemes and company pension funds.GRESB – which leads ESG efforts in the real assets space – and Finance Ideas looked at nine different ESG criteria, ranging from impact investment to full exclusion.According to Eichholz, all pension funds had excluded companies from investment, such as manufacturers of cluster munitions.Six out of 10 schemes reported extensively about their ESG efforts, with half of the surveyed pension funds using engagement and voting during annual general meetings. The Dutch Pensions Federation plans to draw up an environmental, social, and governance (ESG) covenant for pension funds, which would also involve government and societal organisations.The agreement, for “international corporate social responsibility” (IMVO), is aimed at improving co-ordination and the exchange of expertise between pension funds, which should result in shared definitions and standards, according to the federation.A spokesman said that 70 pension funds – representing 84% of Dutch schemes’ assets – had already signed the declaration of intent for the covenant.The federation indicated that it was still assessing which organisations it would approach for the agreement.last_img read more

  • Syracuse offers free admission to SU students for Wake Forest game

    first_imgAdmission to Saturday’s 12:30 p.m. Syracuse-Wake Forest football game will be free for students, the school announced in an email Thursday night.Students must show their SUID at Gate E of the Carrier Dome to receive a wristband for the student section. Doors open at 10 a.m.Syracuse has offered free tickets to students for games against Wagner and Maryland in 2013 and 2014, respectively.The attendance for SU’s (1-0) season opener against Rhode Island was 30,112, the lowest for a home opener since 1985.Syracuse beat Wake Forest (1-0) last year on the road 30-7 and holds a 3-1 all-time series lead against the Demon Deacons.AdvertisementThis is placeholder text Comments Published on September 11, 2015 at 11:22 am Contact Paul: [email protected] | @pschweds Facebook Twitter Google+last_img read more