Student Loans the Changes

With recent articles focusing on student loan changes coming into affect you maybe wondering how will this affect you or your children.

The Interest Rates:

If you are in the pre-2012 group the good news is the interest rate and impacts on repayments will not be affected. The post-2012 and the 2023 intakes are affected. Because RPI used in student loan calculations like other, areas of the economy have been affected by inflation. This has caused the RPI to increase from 1.5% for the 2012 intake to 9% plus 3%. Now the Institute for Fiscal Studies (IFS) is suggesting a cap to reduce the volatility and to keep the interest rate at a manageable level. Now whilst interest rates for the 2023 intake will gain more protection on interest rate fluctuations the main change is the repayments.

The Winners and Losers:

No the changes in student loan repayments makes it so that graduates are more likely to pay their loans back. If you are a learner who graduated on the old pre-2012 system when you graduate at say 21-22 your debt would wipe after 30 years. Now under the new system you will likely pay this off over 40 years or once you reach your early sixties. Now with the rates being capped those earning high graduate salaries with high predicted salary growth think doctors, lawyers, and those in financial roles will benefit from paying the loan back quicker as they would otherwise be paying more in interest over a longer period. Now fields or professions where you earn a lower threshold you would often benefit from paying less early in your career when you are at or under the repayment threshold which would continue to rise as changes to wage averages. Yet with this being frozen more wages that will have been inflated will creep over the threshold rather than stay at or below the mark. Which means paying the loan back, over a longer duration without realistically ever being predicted enough to pay it off completely.

Repayments:

Now the thing to remember here is not to treat the debt like other debts. Martin Lewis covers this in great detail and has highlighted the numerous problems with framing student debt as debt. Whilst it is important to be aware of it what is more crucial is to think of it in relation to your take home pay. Now Martin uses the example of someone earning £37,295 and gives numerous examples of interest rates but highlights as you only repay 9% of anything above 27,295. So thats 9% of £10,000 or £900 per annum regardless of interest rates you repay the exact same amount. Your take home salary per month with this example is £3,108 with 3% on your pension (£93) £19 HMRC pension, £273 NI and £75 on your student loan. That is just less than a family pizza deal a week over a monthly period. Leaving the student with £2,273 a month take home pay which other expenses and living costs would come out of.

Worth Remembering:

Unlike other “Debts” student loans do not affect your credit score in the UK. They do not continue paying if your situation changes or you lose your job. If you are paying any debt off early unless you are earning a significantly high income you are better to focus paying off mortgages, loans or other debts first. So whilst these changes will have an affect and the new loan system will affect learners it is still not going to act as a barrier to going to university however, do look at degree apprenticeships, traineeships or apprenticeships. Often many of these have many of the benefits of degrees without any direct cost to you. It’s your choice be the best you, you can be.

https://www.savethestudent.org/news/student-loan-repayment-changes.html

https://ifs.org.uk/publications/15953

https://www.gov.uk/government/news/fairer-higher-education-system-for-students-and-taxpayers

https://www.moneysavingexpert.com/tax-calculator/

ULEZ and The Impact on Charities.

Whilst the goal of the Ultra-Low Emission Zone or ULEZ zone was to reduce the level of harmful toxic air within a given area. There has been an unmistaken impact of ULEZ on families financially as well as charities which serve their communities. Now whilst clean air is something that we all want for our families, there are still times where the car is crucial whether it be for key works serving the community.

How Charities Support the Community:

Although the public transport system in London is highly effective it is still unable to meet all the needs of its community and is now spilling over into adverse effects on charities. Providing aid for the most vulnerable in society is something that should be a top priority for any local authority and ensuring that works can be taken with the fewest barriers is essential. Often due to the flexibility and innovation of charities and businesses many in our communities have these needs met not just by the public sector but by the private sector.

The Impact of ULEZ

This is where the ULEZ zone particularly impacts the vulnerable, now although some businesses in London and TFL will be able to update their vehicles to reflect the new policies and therefore reduce their emissions charities and small businesses will not be able to do this. This will effectively add greater costs to these organisations. Organisations like Dogs on the Street who are a small charity which serve the homeless residents of London and their pets are one such organisation offering tailored services that these citizens otherwise would not be able to afford. The charity has bespoke services and have specialist equipment on their vehicles to offer these services to the communities and modernising these vehicles will add significant costs to their operation. To adapt to this change that means the donation and fundraising efforts are going towards paying the ULEZ fees rather than into providing crucial support for the residents and their pets.

Scrappage Program Flaws

So, what about the scrappage scheme now whilst the scrappage program offered grant funding for charities or businesses in order to conform with the new charges before they came in the problem lies with purpose refitted vehicles. Specifically having mobile grooming, veterinary and general care vehicles have additional expenses and whilst the grant would go some way to meet these costs it would barely cover the cost of acquisition of a vehicle, and this would often be of an older used model where the battery will also have shown some wearing unlike traditional fuel vehicles which have a longer service life. This scheme has also been closed to new applicants which limits charities making claims for grant funding where the two-year window may have often not allowed the organisation to raise the necessary funds to replace the fleet of specialist vehicles. This two-year window also came at a time when many of the organisations were working flat out to deal with added pressures of Covid-19.

Actions that can be Taken

Now, myself and other activists are calling on the Mayor of London to look again at how his ULEZ zones are still impacting some of the most vulnerable in his community by increasing the financial burden on charities. That is why we are collectively calling on him to review his ULEZ policy for charities who may have been unable to refit or scrap vehicles under the previous scheme. Reopen the scheme to allow for further funding to support specialist sourcing of new efficient vehicles or to provide exemptions. The support for Dogs On The Street from Neil Garratt and Shaun Bailey has been hugely refreshing to see London Assembly members standing up for this charity and others.

Further Reading

https://tfl.gov.uk/modes/driving/scrappage-schemes?cid=scrappage-scheme

https://dogsonthestreets.org/london/

https://www.theguardian.com/environment/2019/jan/05/londons-ultra-low-emission-zone-good-or-bad-idea

https://www.independent.co.uk/climate-change/news/ulez-checker-zone-map-charge-2021-b1944620.html

https://www.london.gov.uk/what-we-do/environment/pollution-and-air-quality/mayors-ultra-low-emission-zone-london

Remember contact your London Assembly members and add pressure onto the Mayor.

https://www.london.gov.uk/people/assembly

Care Homes and Monitoring

Introduction:

Continuing on from my conversation with Tony Stowell the recognition of the service that our care home staff provide to all ranges of residents from the young, the sick or the older individual their dedication has been deeply valued by the communities they work in. However, as I said in the previous article we do not want those who are not showing the strength of character of their peers reflecting purely on the sector.

Monitoring:

In terms of monitoring, both Tony and I spoke at length about the need for monitoring changes to reflect a tougher framework for investigation. We acknowledged that organisations will never be able to address stressors in the sector if they do not see this and the current framework will only put extra pressures on staff. Improving what monitoring and inspections teams are looking for will not address the issue if there are methods in place whereby management can demonstrate one area which may not be the true reflection of the organisation. This would easily be remedied by surprise visits and yes as with any inspection this would cause short term stress but when these visits are known about in advance it places additional pressures on staff and management to meet these needs. The second element needs to ensure that reports point out flaws but give a road map for improvement as with no clear areas for improvement that must be met. Now abstract targets are often difficult for organisations to make changes in, why is this? Because current systems of grading will remove public confidence, reduce funding which increases pressure which then promotes a vicious circle of a challenge for organisations and businesses and impacts the residents and staff the most.

Funding:

Once we solve the funding challenges for a care home we will be able to provide a more suitable method of retaining staff by allowing those within and joining the sector to have a solid and long term prospect of fair employment. That way we can ensure our vulnerable residents are getting the care they deserve and need as well as making sure that staff are provided with the correct resources to be able to do high quality of service for years to come. We want to ensure that the sector is able to deliver this and will do so in a way that allows it to develop into the future. Now part of the solution has to be in ensuring that we use our resources to the best of our ability and we can do this by making sure that as many individuals as possible can get the treatment in the right places and in the right way. This can be at home care where they receive the support of professionals who can either help repurpose the relatives home and offers provisions to ensure that the relatives are able to not only safeguard their family members but make sure that they can maximise their independence. If they are able to have their independence this will reduce the number of individuals in care homes reducing the pressure on the organisations. Thereby having a lower staff to resident ratio which then allows for a more specialised care regardless of the individuals circumstances the reduced financial pressure can also then allow for more training and development of staff. We can do more by restructuring how we see care as a supported service offering reviews of the individual’s profile and looking at what support can be provided to the individual to prevent an escalation of the provisions necessary without solely resulting in increasing the funding. Although as we see a rise in the ageing population we must ensure this sector sees all forms of support and measures established.

Fraud and Scams Continued

This article follows on from Mondays report and addresses five further types of fraud as well as some tips of how to safeguard yourself.

So what are they: Pension, Advance fee , Courier, Safe Account and Invoice Scams.

Pension scams:

Now starting with pension scams these will often begin targeting you after you have reached the age of 55 where scammers will be aiming to take advantage of your pension pot as you begin to think more about your retirement. Now as with other forms of fraud and scams they will try to make the offer too good to be true they will ask you to release either all of your pension or part of your pension to invest in a scheme that is a sure thing. These vary from projects which look good and paper and which may come with detailed research notes. Now alongside the financial information they may try to pass themselves as more legitimate by claiming to be regulated by the FCA or not needing to be. Now as with everything do your research see if the company is regulated and mentioned by other sites which are reputable and not simply promoted by a means that the scammer can use illegitimately such as bot reviews.

Advance Fee:

Advance fee scams can vary from finders fees for a particular product or service where there is a big reward or potential payout for the individual. Sometimes this will be for a competition that the individual has not entered. Or they can be opportunities where the individual can access a pot of money either from a bank account, lottery scheme or government organisation. This hasn’t however stopped criminals impersonating companies such as how you can make money from home with flexible hours or there is a new business opportunity which you can explore. Remember to consult other organisations to make sure that an opportunity which is either too good to be true is genuine or something you need to avoid. If it is a business opportunity make sure that they do not have the markers of being a scam such as they have a full street address not just a mail box. Any business decision outside of a start up which requires you to put money up front without mutual risk or sharing of accounts informations should raise a red flag and something which you should be hesitant of. If it is a high risk venture either in business or for a competition it would also be prudent to get someone with legal knowledge to look at the contract.

Courier Fraud:

Now courier fraud is where a fraudster will impersonate the police or other official. The main aim which they are trying to convince the victim of is that they have evidence of a fraud and they need the victims money to effectively ensure they can secure evidence against a criminal. This can also be capitalised on if it was a well known case that the criminals are going to use and reference and encourage peoples trust because of how the case being documented in the press. Be aware they can do this in person and over the phone. Now be aware that a bank will never ask for your key information such as personal details or pin if this is the case hang up and call your bank back. They can potentially still be on the line and therefore you should either call from an alternative phone or wait for around ten minutes to call your bank. If someone is at your door never give up your debit card the only place this is ever suitable is at the bank.

Safe Account Scam:

Now this can start with a fraudster telling a victim they have won a reward and that they need to confirm their eligibility with full name, address, and bank details. What then can happen is the person is called again and advised they were part of a scam and that they have had money taken from their account. They will do this by falsely acting as a crime agency or the police. They will then ask the victim to transfer money into a safe account so that her savings are not all in one place. Now banks have protocols in place to try to prevent this but this is often only when this is out of character for the individual. Now it is likely fraudsters will reduce the amounts that they try to defraud out of victims to avoid these protocols. Now the protocols may also not kick in before a crime has been committed and the banks although under pressure to change systems to protect victims are still not regulated sufficiently to facilitate this. Therefore it still falls on the victim to place safeguard measures in place over the organisations.

Invoice Fraud:

Now invoice scams involve customer details being obtained following a phishing scam targeted against an employee. Once they gain access to the system they are then able to send emails to the clients with a falsified invoice. Now companies are often quick to both notice these breaches and to act accordingly however this does not mean that the clients data will not have already been used. Regrettably this points to the fact that emails are quickly becoming the effective medium for fraud and any sudden changes need to be treated cautiously and it is always best to contact the organisation directly.

https://www.fca.org.uk/scamsmart/how-avoid-pension-scams

https://www.thepensionsregulator.gov.uk/en/pension-scams

https://www.stpaulschambers.com/types-of-advance-fee-scams/

https://www.actionfraud.police.uk/a-z-of-fraud/courier-fraud

https://www.saga.co.uk/magazine/money/spending/consumer-rights/scams/what-is-the-courier-fraud-scam

https://www.which.co.uk/news/2020/06/scammers-pose-as-the-national-crime-agency-to-steal-30000-from-lloyds-customer/

https://www.huffingtonpost.co.uk/entry/email-invoice-scam-is-conning-thousands-in-the-uk_uk_571884d7e4b06e37a847722f

Community Activism: My Thoughts and Perspectives

We have arguably never seen a greater call for volunteer support of community initiatives during this pandemic. We have seen countless people from a range of walks of life help their community out. They have contributed to the efforts against the coronavirus by helping man the test and trace centres and answering the call to jab back to normal. With the added pressure that these projects would have had on the front line national health service, we likely would not have seen such a successful role out. Now the altruism shown by these individuals is both something that should be hugely admired and appreciated. This has also shown us the strength of our communities. These volunteers underwent training programs and joined the front line alongside other key workers, our health care staff, teachers, police, firefighters, and the various other professions that have worked through the pandemic. Over the weekend, I was reminded again of the importance of activism within our local community. In this article, I want to highlight why we must celebrate the communities we build, whether online social networks, local groups and projects, or acts of individual activism.

Now, litter picks have been able to continue due to the ability to socially distance yet still achieve the group’s goals. We, as volunteers, were suitably guided through the event we arrived at Hitcham Village Hall car park. We then selected our routes around the village and were given our equipment so that the small group of around a dozen volunteers could cover the village itself and then return to the Village Hall following the hours’ activity. My route paralleled other volunteers alongside the community play area and finishing at the parish church. Many of us easily fill a bag load of rubbish with discarded items that had drifted into hedgerows off the footpath and roads. When I met up with fellow volunteers, the largest item we encountered was parts left over from a damaged car and discarded traffic cones. The general openness and pride that these volunteers had in their local area were echoed in new and established residents I was happy to do my small bit to contribute.

This wants to contribute lead to my reason to get into the educational sector prompting me to help the next generation of young people in the land-based field to not only grow but to develop within their local areas. I noticed through my years of teaching that whilst in my day job I was helping the next generation take their next steps in their careers the current processes that were in place were the same ones that I had dealt with when I was moving into higher education. Being the first member of my household to go to university my parents did not have all the answers and the schools had more general advice and this started me thinking about what more could be done. I set up a small group to support graduates and offer advice to college students sharing jobs in the local economy as well as informing them about internships and scholarships. This was because in my experience the reason many applicants are not aware of these resources is because of a lack of information whether that is about additional opportunities or more general knowledge about the next steps after their compulsory education ends. Now, whilst this group could solve some of the problems I became aware of other impacts such as learners leaving Suffolk to pursue careers and study away from the county as well as making sure that the strong support systems which were in place for learners were actually getting to those that were needed. This I could not resolve solely as a teacher as it involved working with various stakeholders from across different industries and specialisms now it has always been my view that you build progress through hard work and opportunity. This drew me to stand for the County Council so I could not only work to continue to improve our educational sector but also ensure that our communities grow with the next generation and are not left behind. I was proud to be selected to stand as the Conservative Candidate for Cosford as the rural communities that have such a significant heritage and sense of belonging deserve a candidate who will make sure that our community has the tools to succeed at whatever stage of life they are. My commitment to you is to build on the strong community spirit and pride in Cosford’s heritage. This is something at the heart of the Conservative Manifesto which is our promise to you to build back, stronger, better, and greener. So on the 6th of May, I ask that you vote to elect me, Jordon Millward as your County Councillor.

Locally Tackling Pet Theft What Can We Do?

We all recognize that Pet Theft is sweeping across our United Kingdom and in Suffolk, we are equally as afflicted by this rise in crime as other counties. This report will be following on from my conversation with Suffolks Police and Crime Commissioner Tim Passmore.

Tim as an avid dog owner and lover was very open about the impacts on Pet Owners across the county. Now in Suffolk, we have eighteen reported cases of Dog Thefts. This is a clear distinction which we need to make as cases are reported as Thefts not as specific crimes. Now as I spoke to Tim he expressed his views candidly about how “Adhorrent the crime is and how it affects owners like a child being taken from them”.

The importance to remember here was that local constabularies are obligated to record the crime as a possession theft as they are recorded as an object first. Tim makes the clear point that the animal is a living being and it is my view that we should rightly view them as such this links back to Animal Welfare Sentencing reform which would recognize a greater severity for sentencing guidelines. We still have work to do in this area as we need to apply this sentence in my view to a specific act of UK law. Now whilst Suffolk Constabulary records these thefts as both traditional item theft and pet thefts is certainly useful in tackling this crime. It is also where we must recognize not only the distress that this has caused on owners but also on how wider implications of sentencing could be applied against those that commit these offenses.

Presently the UK like other countries applies sentences in a discounted way where the crimes will have been recorded but the time they have served will be served concurrently or at the same time as the first sentence. Rather than a cumulative approach where if the offender commits a series of offenses the sentences do not sequentially add on to each other. Now in the UK, we have three specific types of sentencing Suspended sentences where the duration is less than a year this is often how Pet Theft is dealt with nationally which also highlights the need for reform. The aim would be to push for a Determinate sentence were unlike the suspended sentence where the sentence is held unless the guilty party reoffends a determinate sentence sees half of the offender’s sentence in prison and half in the community. This is where the probationary sentence comes into account and ensures that the guilty party does not re-offend. Indeterminate sentences are used to identify where the courts can use their powers to determine a minimum imposed sentence which could be used where you have a repeat offender or when the individual is linked to organized crime.

Now Tim highlights that the maximum sentence for theft is up to seven years but this does not mean that the judiciary has to sentence up to this amount and the guidance for the courts may be tied from using tougher sentences. Now why is this the case, one area is culpability is an area that should be reflected on in a specific act because although this relates to the planning and coordination of the theft. Guidelines then have to further examine the level of harm to an individual now this form of measurement is a subjective matter and should not necessarily be applied in this way. If the animal itself was recognized as having harm applied to it by recognizing the conditions or impact on it and the distress to owner or keeper in a way that is more referencable to the courts this could likely lead to tougher sentences. We went on to discuss the importance of the Animal Welfare Sentencing Bill both its importance and significance as a way to develop specific and tougher sentences but also as a way to build on changes brought in at a later stage.

In terms of trends, Tim says that present data does not trend to any particular breed but as always high demand or popular breeds can be easier targets as the criminals are aware they can move them on easier. Now from this, I draw the conclusion that they are also aware of how much these popular breeds fetch online and as a result the value of the breed specifically. Whereas we could draw from this less well-known breeds may not be as identifiable and whilst we certainly should not let our guard down as dogs are stolen for a variety of reasons where we must be vigilant to protect our precious pets. There is no evidence as of yet to suggest that breeds are stolen to order and therefore business owners should remain vigilant of their risk to theft but they are at no greater risk of opportunistic thieves than the general public. Now building on my previous article Tim points out that whilst these thieves are stealing pets from gardens as well as kennels they have a variety of methods and are not deterred from entering a house to steal a litter of puppies. Now, this highlights ways you can reduce the risk of break-ins by methods such as alarm systems which must be armed, CCTV, robust locks, and not advertising any litters of puppies or kittens which may attract opportunistic thieves. One area which Tim points out that we have not spoken about is how something which may not be outrightly suspicious may be a tool for criminal groups using distraction theft to talk to the owner and cause someone to let their guard down and allow someone to abduct their pet.

https://www.law.ox.ac.uk/centres-institutes/centre-criminology/blog/2016/01/more-one-crime-sentencing-multiple-offences

https://www.lawtonslaw.co.uk/resources/sentencing/

https://www.sentencingcouncil.org.uk/offences/crown-court/item/theft-general/

https://www.sentencingcouncil.org.uk/offences/magistrates-court/item/theft-general/

Aspirations for Animal Welfare Reform a Summary

In this article, I want to touch on what elements of Animal Welfare reform that we should be advocating for, covering farm, and companion animals.

So when we look at Welfare Reform we need to recognise a suitable comparison between our laws and other countries which arguably have a better welfare standard then we do. Looking at the Swiss and Austrian systems. In the UK with our five animal welfare needs are the standards that we must hold people to account for the abuse of animals.

So what are these needs: Need for a suitable environment, Need for a suitable diet, Need to be able to exhibit normal behaviour patterns. Need to be housed with, or apart, from other animals and the Need to be protected from pain, suffering, injury and disease. These needs allow us to recognise the basic rights of the animal and what they require to be able to exist. This is furthered by are they able to meet the basic requirement of life as well as limiting suffering on the animal to ensure that they can behave in a normal way preventing abnormal behaviours which cause acute and prolonged suffering.

Now in terms of points where we can go further with Swiss and Austrian law provisions about freedom of an animals movement which could be arguably a move to prevent intensive farming in particular pigs who are kept in farrowing crates. This freedom of movement would protect them from a number of points that cause behaviour concerns and problems due to confinement. Now in intensive farming, it is arguable that whilst some farmers would argue confinement is necessary for the production of the animal associated products. Yet whilst Austria does still have clauses for this to allow farmers to use a form of confinement for safety reasons such as farrowing (when the sow has piglets) but generally speaking these limitations are vastly limited. Now carrying on with the farming point poultry are still getting the beaks trimmed which is a known area of suffering. The same arguably in areas that look at keeping calves with the heifer this is still recognisable as a form of suffering for the calf but it is something that can still be practiced. Both the Swiss and Austrian laws also mandate that they must see and be exposed to human interaction if it is deemed necessary. The three countries also recognise the need for animals to have suitable light exposure now all three make particular points for livestock with regards to light and this is something which is rightly protected. The other contentious issue is the exemption around religious slaughter many argue that any form of unnecessary suffering is overtly wrong. However, they specify that stunning is then done immediately following the ceremonious slaughter. This is something that is not required in other laws but does offer a way to protect the animal from prolonged suffering and although limiting the suffering further should be a goal this is a step in the right direction and easier to achieve than an outright ban. Laws around suffering looking particularly at pain and pain-causing circumstances as well as offering protection to selective invertebrates such as crustaceans and squid species. Now one area which certainly ranks lower across the board is animals used for draught and recreation which I will revisit in a later article.

In terms of the companion animal point, all three countries roughly meet the same standard of companion animal welfare. The main criticisms of all the items of legislation are as follows; Austria requires breeders to have a license to breed animals this would be something that if regulated correctly would reduce the advertising, of mass-produced litters and regulate the sale of young animals and banning on sales of animals. All of these limit the distribution of animals and would make criminal exploitation of these animals more difficult. This is something the Swiss and UK laws do not yet facilitate. UK provisions against mutilations for animals used in breeding is far more safeguarded in the UK which is a benefit to the animals as a whole. All countries arguably need to review how we control stray animal populations whether that be in the UK looking at how we rehouse animals that have been abandoned or in mitigating cat populations impact on wildlife. In the UK we arguably need to address the Dangerous Dogs Act 1991 which is disputed globally as a poor method for protecting public safety and not euthanising animals unnecessary. All countries were also suggested to encourage a more sustainable pet ownership mechanism.

Now, this is only an introduction which is something which I aim to look at each point more specifically to revise a more apt system to protect our animals. We certainly should do more and elements of these laws can protect are animals from abuse which should then coincide with animal welfare legislation. Now this works is likely to make a series rather than a sole article which I will look at over the latter weeks. Please do look at https://api.worldanimalprotection.org to investigate which countries have stronger laws.

https://www.blv.admin.ch/blv/en/home/tiere/tierschutz.html

https://www.rspca.org.uk/whatwedo/endcruelty/changingthelaw/whatwechanged/animalwelfareact

https://www.swissinfo.ch/eng/animal-welfare_how-well-are-swiss-animals-protected-/45489148

https://www.loc.gov/law/help/religious-slaughter/europe.php#switzerland

https://thehumaneleague.org.uk/article/why-welfare

https://www.alaw.org.uk/the-law-as-a-driving-force-for-animal-welfare-reform/

https://core.ac.uk/download/pdf/228468611.pdf

https://www.dpi.nsw.gov.au/animals-and-livestock/animal-welfare/issues-paper