(261)Social Housing Finance for Housing the Poor ?


Copyright 2009 Vincent Wilmot

The need for affordable housing for the relatively poor.

In many countries, including the UK and USA, acceptable housing cannot be afforded by lower-income families unless subsidised rent 'affordable housing' or 'social housing' is made available. Developers of new social housing face the financial problem of somehow subsidising their rents, as with housing grants or maybe using cheaper prefabricated housing.

Rent Subsidy Grants.

The USA and some other countries subsidise affordable housing only with rent subsidy grants, for which there may often be severe competition.

Housing Development Grants.

In other countries like the UK new social housing is subsidised chiefly by up front development grants. There the main grant funders now favour fewer bigger developers, and there is increasing grant bidding competition for such housing development grants.

Bidding for Housing Grants.

Affordable housing developers need successful bidding strategies for grant applications, and they often need to be appropriate to changing bidding situations. Needed new affordable housing or 'social housing' will generally only be developed if the developers, subsidy providers and all others involved are satisfied that a proposed new development project is financially viable and is good value for money - as well as being for needed housing.

Demand for Social Housing.

Some areas of a country may get excessive demand for affordable housing while others get unsustainable low demand. This can happen when social rents are set way below low-market rents in some areas and close to low-market rents in other areas - especially when low-income families face relocation difficulty that prevents natural market corrections from working.

Social Exclusion in Social Housing.

Social housing development for the poor will tend towards concentrating unemployed, welfare dependant and problem families in a disadvantaged socially excluded sub-society. And this often involves housing problems for the landlord which can include non-sustainability - needing appropriate social inclusion strategies.

Social housing developers will generally need some good financial calculation system for new project appraisal - often an appropriate Excel calculator spreadsheet. And other calculator spreadsheets may have other uses, as to help show if prospective tenants can afford a particular property. These systems may be developed in-house, but can often be developed much more cheaply by a specialist.

About the author:

Vincent Wilmot currently lives in Grimsby UK and has several interesting websites including

Written by: Vincent Wilmot

(262)Sometimes the best deal isn't the right deal when it's time to refinance your home.


Many people are looking to refinance their home as a means of pulling money from their rapidly rising real estate. The intent may be to reduce other debts, finance a vacation or maybe you're just looking at refinancing your home as a means of getting a better deal. But are all better deals good deals with looking at home refinacing options?
One of the best examples of a home refinancing option that is good for some and bad for others is the interest-only option mortgage. With this morgtage, you typically only pay interest on your loan for the first two years and then the morgtage usually restructures in the third year, with an interest change and a principal payment. This can seem like an attractive home refinance option, but look very closely at the real value you are receiving. Indicicators are that the housing market is pulling back. Is your home going to be worth more at the end of the interest-only term to let you cash out or sell and make a bundle, or are you going to be left holding the bag and desperately looking for a new option to refinance your home and keep control of your property? For others, the interest-only mortgage is a great option that allows people to position themselves in real estate and leverage their way into their dream home.
Always look at your home refinancing options and compare issues such as home equity vs refinance numbers to ensure that the money you're pulling out of the apparent value of your home today isn't going to receed if the housing market pulls back in your area. Nothing is worse that having a morgtage after a refinancing a home that is greater than your home's new worth on the open market. Also be sure that you have a plan for what you're going to do when the terms of the morgtage change. Are you going to refinance again or sell? Plan your options so you can set up the very best deal for the next round.
Be sure to look over all of the fees required for a home refinancing option and do a little math before making any decisions. Interview multiple loan brokers as well. Choose the one that you trust. An honest broker will not try to pressure you and will lay out the options and explain the numbers to you. If you're still not sure, spend a little money and take your home refinancing options to a CPA and get an opinion from someone who knows the numbers but isn't making any money on the choice you make. If you've found an honest broker, the CPA's answers will probably match very closely but also remember that each will look at things from different angles. A difference in opinion doesn't mean someone is being dishonest.
A home refinance can be a great option for the right situation. If you feel that it might be the right option for you, get the facts and and avoid a rash decision. It's your money and you deserve abundance.
About the Author
Dave Saunders is a business consultant and published author. If you would like to read about additional ideas for generating business leads, the original and expanded article can be found here.

Written by: Dave Saunders



I would like to begin by asking you a question:
Do you have a spare $550,000 in cash that I could take from you? Oh, you don't have $550,000 in cash? Then would you mind signing a contract with me allowing me to take $3,000 per month from you for the next 30 years (no reason, I could just use the cash)? No? Why am I getting the cold shoulder here? I didn't really think it would be such a big deal I mean, you're certainly willing to part with that money for the banks and mortgage companies. Why not me?

Nearly every home owner is parting with hundreds of thousands in hard-earned cash when they purchase or re-finance a home. It is a shame since nearly every person's home will be their largest lifetime investment. Rather than being the most incredible investment opportunity ever, the average person's home is the single largest cash drain and budget spoiler.

YOU don't have to be a part of this cash flow drain any longer. YOU can definitely create more cash from your home by taking just a few simple steps in the right direction when you purchase or re-finance your home.

If you take these few, simple steps right now, you could actually retire in 15 years or less with as much as $1 million in cash with your house actually paid for.

You can take these simple steps right now with no out of pocket expense! It is very safe and very easy. I will be happy to explain it to you and when I do, you will wish that you could have had this information 10 - 15 years ago.

EVEN IF YOU HAVE JUST RECENTLY RE-FINANCED OR ARE IN THE PROCESS OF RE-FINANCING, it is not too late to take control of your financial freedom and your financial future.

Just think, one call could mean the difference between a 30-year mortgage ball and chain and a $1 million dollar retirement in just 15 years.

If this article is of interest to you, give me a call and I will tell you exactly how this simple, step by step process works and let you know, specifically, what you can expect based upon your current situation.

One more thing…most mortgage loan officers and mortgage brokers (not all) would not have a clue as to what I am talking about and most don't even care. Typically, in the mortgage industry, the average loan officer or broker really just cares about their commission. Once your loan is funded, you will usually not hear from them again. As a matter of fact, most lenders and their employees don't even care whether or not you retire in 15-years, 30-years or ever. They don't care about your home investment.

My name is David Frost and I have been in the finance industry for 15-years.
You may call me direct Toll-Free 24/7: 888-355-7025
Email me:
Or visit my website:

I have written several E-books. You may download two for free. Just follow the these links:
Answers To The Most Frequently Asked Questions About Home Loans (And The Top Ten Most Common Mistakes That Can Cost You Big Money):
The 5 Most Important Things to Know If You Have Bad Credit and Wish to Purchase or Refinance: No Minimum Payout
About the Author
David Frost has been in the finance industry for 20-years. Mr. Frost takes a professional approach to the home loan, whether a purchase or re-finance. Mr. Frost believes that each home loan profoundly affects the home owner from an investment point of view, not just a rate and payment.

Written by: David Frost

(264)Stress Management Tip - Take Control of your Finances


Financial worries can add to the stress levels of individuals. For many families it can become one of the biggest sources of disagreements and tension. The most common financial concern is that the money coming in never ever seems to match the money going out. The most obvious way to address this is by taking control of your finances. This is easier said than done.
An important thing to remember about financial concerns is that it should be resolved before it becomes severe. The longer you procrastinate over resolving the issue, the worse it becomes, and the more stressed you become. Another important element is acknowledging that controlling your finances is more than simply just getting control of your money. It involves changing your habits both in your thinking and spending, as well as your short and long term financial goals.
Financial management and control revolves around one very basic concept: Spend Less, Save More. Start spending less by setting up a family budget, that is, agree on a figure that you will not spend over for a specific period say per week or month. To track how you are going, keep a record of all your expenditure items. As a receipt comes in log it. You may even decide to categorize it so you know where it came from, for example, Groceries, Insurance and Rates, Dining and Entertainment, etc. The use of a spreadsheet package such MS Excel is a very useful tool that can help maintain a list of items you have spent as well as compute on the fly your current expenditure total for the month. By keeping track of what you are spending money on, you will be able to assess areas that need improvement and examine ways to save money on the items purchased.
A financial budget is just the first step to controlling your finances. Other things to consider include changing your lifestyle. For example you may reduce the times you go out to dinner, save on petrol by car pooling or take cheaper vacations. Also stop purchasing big ticket items that are rarely used, such as things for hobbies that you have not taken up or expensive toys that are never used. It is important to review your lifestyle to assess whether it is within your earning potential.
Set short and long term goals that work towards decreasing your debt. Put aside a specific amount each month towards reducing your loans, not just paying the minimum amount each month but adding enough to make a significant debt reduction over a year.
Finally it actually helps if you look at a bad financial situation as a war. It is you and your family against the debt. You must work together as a team, communicating, planning and analysing your ongoing financial situation. In severe cases, it might be helpful to engage the services of a financial consultant. What ever you do and however you tackle the problem, the most important thing to remember is to work together.

About the Author
David Tomaselli is the creator of the Wholistic Development Exchange, a web site where you can access frequently updated Stress Management Tips, Free E-Books and Products.

Written by: David Tomaselli

Global Peace Mission



  • Selected category
  • English Literature
  • Nuclear Physics
  • Economics
  • General Spiritualism
  • Urdu Literature
  • Society and Culture
  • Law and Order
  • Medical and Health
  • Politics


  • The Best Traffic Exchange EA Builder