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How Do the UK’s Housing Associations Work and What Do They Do to Increase the Housing Supply?

The need to answer the high demand for homes in the UK is being addressed on many fronts. Private investors and homebuilders, working through alternative investment funds, are turning unused land into homes where planning authorities allow. Institutional investors are participating to a greater degree than ever in the private rental sector. And England’s 1,500 housing associations build approximately 45,000 affordable and 5,000 private homes per year.

A policy paper, “Freeing Housing Associations: Better financing, more homes” (November 2014) from the Policy Exchange, a planning advocacy organisation, argues for a category of deregulated housing associations that would effectively enable them to double building activity to twice its current levels. The “Free Housing Associations” would be allowed to sell off expensive social properties and use the proceeds for more development. The relaxation of rules would also provide associations with greater latitude in choosing tenants and pricing, allowing them to refuse antisocial tenants and offer cheaper rents to reward good behaviour. A reported 67 per cent of housing leaders favour this plan, in part because it could help reduce the waiting list of 1.7 million households.

Other housing association programs offer different paths to increased development. A December 2014 announcement by the U.K. Homes and Communities Agency revealed that the Government will directly fund the building and sale of 10,000 homes in Northstowe, near Cambridge. This is a new approach to increasing the country’s housing supply. The Chief Secretary to the Treasury, Danny Alexander, said that unlocking capacity in home associations will put in motion “stalled regeneration projects” such as this one, which is on a remediated former Royal Air Force base. Hiu service and Repair

They have evolved considerably since their founding in the mid-19th century and later in the Thatcher era, when social housing was transferred to private ownership and to the management by associations. Today those associations are largely generating income above their operating expenses, despite their non-profit status, according to the director of Million Homes Million Lives, a non-profit housing association. In an August 2014 editorial in The Guardian, Calum Mercer writes that housing associations have become “very profitable organisations,” with £2 billion in excess revenues largely generated on social rents, and that margins of 29 per cent were hit in 2013 and will continue rising. Mercer says that social rents are rising faster than inflation, which is what creates this windfall. He also maintains that this money is not being directed at building new homes, nor toward reducing rents, but is instead being spent on commercial activities.

Others in housing groups argue that investing in commercial properties is an essential means of generating income. The Chartered Institute of Housing warned to the contrary, that in 2014 welfare cuts and rising social housing rents spell trouble for associations’ abilities to continue building after 2015.

What this all may illustrate is that there are many ways and ideas for building in the UK. National homebuilders with their pools of investors are increasing their activities, as are deep-pocketed institutional investors. As should be clear, housing associations, taking different approaches, are finding ways to grow.

What’s essential is that they all do so in financially sustainable ways. For individual investors who are eager to participate, a visit with an independent financial advisor can guide him or her to identify if and how to invest in housing.

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5 Points To Make Gambling A Life Changing Past Time!

Gambling has been with man since risk was around, on any outcome there is an element of risk. Only since the invention of possessions and things of value like money have these been wagered against the outcome. For the majority, gambling is fun, exciting, it was an edge on the events being risked.  Kalyan Matka

For some it is a lucrative past time, fewer still it is their living! For some it is a living nightmare! A living hell where they lose, win and lose, losing more often than winning. This creates its nightmare by the person becoming addicted to the chase of the win and the ecstasy of to win itself. Conversely it can create a depressed feeling with losing often, hence needing to get the win to make them feel good. They know they are risking in most cases more than they can afford, they hide their gambling, steal, beg, borrow and do all it takes to get the money to chase that win.

Gambling is not supposed to be like that at all. It is supposed to be fun, exciting and like anything in life approached sensibly. As gambling can become a problem here are some pointers on how it can be done safely:-

1. Only ever bet from a betting bank you can afford to lose. Save this money up and make sure it is spare cash.

2. Always use a betting plan that does not use the majority of your betting bank. Only use small parts of your betting bank at a time. Use a good staking plan.

3. Stick to a system you have a dry run and tested out first before using it to place any money bets down. Ensure you understand any system before you use it.

4. Follow the system and the betting/staking plan to the letter, never deviate at all!

5. Go for a longer term profit over a fall season/year

Yes those five tips are not perfect but they will help make your gambling safer and more enjoyable and more profitable as well.

Gambling should definitely be about fun and excitement rather than the winning, therefore by making sure you can sustain the length of time you can gamble for, you will enjoy it more. A good betting system and staking plan will help you in this; certainly then you will find that gambling is a life changing past time.

Should anyone have any gambling issues or iss

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Online Games Are For Everyone

Are you new to the world of online gaming? You’re not alone. Many people are discovering gaming online for the first time and are enjoying the wide variety of choices that there are to play, including numerous gun and shooter games. If you’re the type of person who loved shooting games at the arcade as a kid you will love playing the many first person shooters that are available online today.  สมัคร sa gaming

Not Cheesy Any More

Just a few years ago, many games available online we’re only cheesy versions of the video games that you could buy in the stores but thanks to the advancement of home computer technology many fans have been able to create more advanced choices with better graphics and effects that match the quality that you can buy in stores.

Choose The Right Computer

Since the programs that most online games are produced from, change every year it’s important to ensure that you have the most up to date hardware and software on your computer so you can play your favorite game. You should consider replacing any computer that is over 3 years old because most newer games online have hardware and software requirements that could lock you out from playing the new game titles that are available.

For any computer that’s one to three years old you shouldn’t have any problem playing the newer games available online. Just make sure that you update the programs on your computer like Flash and Java regularly because many gun games and other online games are built on those platforms.

After you’ve been playing online games for a while you can move to paid g

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Recycled Car Parts Replacements

If you are the mechanic type, then that is just fabulous. This is great, because you know a lot when it comes to installing and repairing car parts. The most frustrating part of it all is when you are busy on a vehicle and you find that there are a few parts that need replacing. In the end, this can cost you, and if you are doing it for a customer, cost them plenty of money. There are solutions to many problems and there are certainly ways you can slash the prices of car parts by deciding to use recycled parts.

Recyclers offer consumers great deals when they are looking for used car parts. The thing is, people might think that this is a bad idea, but the truth is there are so many recyclers around, it is amazing. The other great thing about these recyclers is that their prices are hard to beat. You will always find one beating the other, so look around. The reason for this is that insurance companies save lots of money when they pass wrecked vehicles down to junk yards.

Buying recycled parts is good, because when these parts are purchased, the pollution from manufacturing new parts is prevented. Manufactures use a lot of oil when making new parts and this is saved when recycling. Reusing the raw materials can be a benefit to the environment, and when you go out and find your recycled vehicle part, there are many places that you can go to in order to get them. Statistics have shown that there are over 4 million vehicles recycled each year in the United States, and that makes tons of vehicle parts available to you.

used auto parts

Recycling parts can save a lot of space when it comes to landfilling, and why should something that can be used again be thrown away? That is money being thrown away. Also, the other reason why you should consider used car parts is that you are purchasing quality parts that were manufactured by their original manufacturer. Recyclers have the skill when it comes to determining damaged parts and those that can be reused.

It is true: used parts can save plenty of money, and it is clear that this is by far the cheapest alternative available to you. The one question many people has it this: are we getting the same quality? That is a good question. Today, many recyclers supply warranties on parts. This means that you will not be buying a potato. Another advantage is that recyclers are much faster when it comes to a specific part you are looking for compared to many dealers. Their businesses run on a network and this allows them to communicate with other recyclers. If a recycler does not have the part you are looking for, there is a great chance that they will find it immediately.

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A Brief History of Online Games

Electronic gaming has evolved dramatically in recent years. As data bandwidth, processing power and screen resolutions steadily increase; developers are keeping pace to provide more realistic and immersive Internet entertainment experiences. It is hard to imagine a world without the wealth of online games that today’s web surfers have come to expect, but the history of online gaming goes back well before the mainstream adoption of the Internet.  Satta Matka

The first games to be played over computer networks were developed in the early 1970s. These were built on multi-user timeshare terminals at universities. The latter part of that decade saw the arrival of multi-user dungeons (MUD,) which later evolved into multi-access dungeons (MAD) and massive multiplayer online role playing games (MMORPG.)

In 1985, the game Islands of Kesmai was released for users of the commercial CompuServe computer network. With graphics made up of ASCII text characters, this multi-player RPG bore little resemblance to the games of today; but in many ways, it was a precursor to the modern MMORPG. The fantasy role playing battles of this game were among the earliest ancestors of today’s online fighting games.

Later in the 1980s, the first games were developed which used the Internet Protocol (IP) to communicate. In 1991, the game Neverwinter Nights was released for AOL subscribers. This is widely hailed as the first 3D graphical MMORPG. As the Internet grew in popularity among the general public, the 1990s saw an explosion of role playing, shooter, strategy and online fighting games with multiplayer capabilities. Some of the most notable are Doom, Warcraft and Quake.

By the year 2000, most commercial game software packages featured the ability to play online against other players. Although many of the most popular online games were designed for multiplayer action, developers were quick to take advantage of Internet technologies such as Flash and JavaScript to create single-player games as well.

The year 2002 saw the launch of gaming networks such as XBox Live and Steam. As social networks grew in popularity throughout the decade, companies such as Zynga jumped on the bandwagon to create casual games that users could play against their friends. Today, the options for online gaming range from commercial software packages, to social network gaming, to browser based games and even mobile apps.

Gamers no longer need to subscribe to expensive online services or purchase commercial software packages to play online. For those who want a convenient and fun gaming experience, there are plenty of sites that offer online fighting games and a variety of other challenges that can be played right now, right in your web browse

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5 Tips on Water Damage Repair

Water in your home – whether or not it’s from a flood, a leak, burst pipes, or some other supply – can lead to full-size damage and luxurious upkeep if it’s no longer handled directly. If you have got water harm in your own home, you’ll want to act speedy to restore the hassle. The following water harm restore pointers will help you get the situation under manipulate and save you more complicated problems inside the destiny.1. You want to behave rapid. If you’ve got water harm in your own home, you need to behave fast to solve the trouble. Some cleaning services provide 24-hour emergency offerings to help you cope with water harm. Calling those professionals as quickly as you word a hassle will make it easier to decrease any water harm. To save you mould increase, the U.S. Environmental Protection Agency (EPA) recommends drying out damp or wet areas within 24 to 48 hours. Depending on the reason of the harm, you may also want to touch your house owners insurance company to look approximately getting the declare method started out.

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2. Be careful. If you’ve simply become privy to a problem with water in your home, there are some steps you have to take. First, if there’s a lot of water (along with from flooding), you should flip off your energy to avoid electrocution. Also, don’t use your regular household appliances (consisting of a vacuum purifier) to cast off water. If the water is infected (inclusive of from a sewage line), you and your family have to depart the house so you don’t get unwell. Finally, if the water is from a leak, try to find the leak’s supply and flip off the water to prevent similarly damage.

Three. Know the subtler symptoms of water damage. If you are dealing with a flood or a burst pipe, it is hard to disregard. But in a few cases the signs of water damage may be subtle and smooth to overlook. To prevent hidden water damage, often look into your own home for leaks inside the lavatory and kitchen. Look for damp or moldy spots in those and other regions, along with around the washing device or in window frames. Also be on the lookout for soft spots for your partitions, which might be a signal of hidden harm.

4. Begin putting off the water. Depending at the extent of the water hassle, you have got more than one alternatives for elimination. For extraordinarily minor conditions, letting a damp space air dry may be a great, although gradual, approach to water harm repair. To air dry a wet room, open all doors and home windows; keep in mind the usage of fans to circulate air, on the way to speed up drying time. Dehumidifiers will also be beneficial. If you have a number of water, but, you can need to hire a professional to first extract the water from your property.

Five. Dry out any valuables. If water has broken books, images or different valuables, you’ll want to dry those out as soon as possible. In instances of sizeable harm, you may want to prioritize which objects to care for first, due to the fact that you may get higher results if you take action inside 24 hours of whilst the damage came about. Professional cleansing offerings can provide specific recommendation on salvaging valuables from your broken domestic.

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Online Casino Games – Advantages of Online Casino Games

Playing at one online casino all the time can create a comfort level for the user. The navigation is easy, the processes are familiar and friendliness has been established with the casino support staff. If the player plays sporadically at casinos then there is a net advantage in this comfort level. However, if regular players stick to one online private club then they will have to face certain disadvantages.

First of all, playing at one internet casino all the time can get boring. The player is in the same playing environment all the time and this brings with it a sense of an idea. One way of combining familiarity and newness is by wagering at different casinos of the same 메이저놀이터 group. Casinos of the same group use the same software, have very similar navigation and also share promotion schemes. However, they are usually based on different themes and create different playing environments. Hence players can experience change without losing out on the sameness. Another advantage of playing at different online gambling of the same group is that the loyalty rewards scheme is common. Hence no matter on which group casino the players wager their loyalty points accumulates in a common pool. Take, for example, the Casino Rewards group, which is one of the largest online nightclub groups. Its Blackjack Ballroom brand offers a classic and elitist environment. Golden Tiger Casino and Lucky Emperor Casino have an Asian look. Aztec Riches Casino and Yukon Gold Casino have the ancient civilization’s theme. And there is the Captain Cooks Casino which takes players on a voyage of exploration and discovery.

However, beyond the point playing with the same software can also get boring. The games are identical and playing the same game is again and again even at different online casinos takes away from the excitement. There are several reputed gaming software providers who have their own set of games and their own strengths. In order to enjoy online gaming to the maxim it is essential to try out online social establishment powered by different software providers. Micro gaming offers the Gold Series of table games like blackjack and roulette, which have a large number of features and considerable customization. Crypto logic offers branded online slot games that bring branded characters like Superman and the Incredible Hulk to life. Vegas Technology specializes in online tournaments. Therefore, by playing at online social establishment powered by different software providers, players can purchase the best games from each online social establishment and thus enhance their gaming experience. Playing at online casinos powered by different software providers also enables players to keep abreast of the latest happenings in online gaming.

There is one very important commercial reason for playing at more than one online social establishment.
Most online casinos impose limits on the amount is that can be deposited or wagered or withdrawn in a given week or month. If players wager at only one online social establishment then they are bound to be constrained by these limits. By wagering at many online casinos players can circumvent these limits imposed. If the deposit limit at one online social establishment is reached then the players can switch to another casino. Their gaming can continue unimpeded.

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Best Moments Football History

1. World Cup Win (1966)

This was obviously the pinnacle of our Footballing achievements. Not a very exciting team, and we were at home, but it was a wonderful achievement. Sir Alf Ramsey had said as early as 1962 that we would win the 1966 World Cup and he saw through his promise. The four-two extra-time win in the final will live forever in the memory of any Englishman who saw it. I did, but I was only four. I kid myself that I can remember it, but I don’t think I can.

2. Beating Holland in Euro (1996)

I do remember this one because I was there. What a night, what an atmosphere. Up to that point it was the best England performance I had ever seen. We ข่าวฟุตบอลทั้งหมด destroyed the Dutch 4-1 by playing great football. Two goals each from Shearer and Sheringham wrapped up the game for the English. We conceded a late consolation goal which gave England fans the unexpected bonus of stopping Scotland from qualifying! A good night all round.

3. Man Utd Winning European Cup (1968)

I just about remember this game. United beat a Benfica side, containing the great Eusabio, 4-1 after extra time. Goals from Bobby Charlton 2, Brian Kidd, and George Best sealed the win which was the first European Cup win by an English team. Celtic had won the trophy before, but no other English team had managed the feat.

4. Man Utd Winning European Cup (1999)

I am by no means a Manchester United fan but I have included this game because of the wonderful achievements of that particular United side, and also the dramatic fashion in which they won the game. The team from Manchester had already won the English Premier League and the FA Cup when they arrived in Barcelona looking for a remarkable and unique treble. The signs were not good when they fell behind to an early Bayern Munich goal. The German team continued to dominate the game, and going into injury time at the end of the match the United dream was all but over. The, in the space of a minute, substitutes Ole Gunnar Solskjaer and Teddy Sheringham, scored to seal a famous victory.

5. Liverpool Winning European Cup (2005)

I am even less of a Liverpool fan, but this most amazing of all comebacks has to be included. Playing against the might of the AC Milan side, Liverpool found themselves 3-0 behind before half time. The game was over. Surely there was no way back. Slowly but surely Liverpool edged their way back into the game and goals from Gerrard, Smicer, and Alonso took the game into extra-time. With Liverpool clinging on, and Dudek making some incredible saves, they took the game to a penalty shoot-out. The great Shevchenko missed for Milan and Liverpool had one an almost impossible victory.

6. Beating Scotland in Euro (1996)

I am not anti-Scot at all, but most Scots appear to be pretty anti-English. The Tartan Army descended on Wembley and their optimism was high. A first half Shearer goal put England in control, but Scotland clawed their way back into the game. With the Scots on top in the second half they were awarded a penalty. I have no doubt in my mind that if they had scored they would have gone on to win the match. The penalty was driven to Seamen’s left, and he saved the ball with his elbow. Within a couple of minutes England had broken away to the other end and the genius that was Paul Gascoigne scored a sublime goal to make the game safe. Happy days.

7. Winning 5-1 in Germany (2001)

On the 1st September 2001 England travelled to Munich to play a World Cup qualifier against Germany. We all feared the worst when Germany took the lead on six minutes. The next eighty-four minutes will live forever as the finest England performance of all time. A hat-trick from Michael Owen and goals from Gerrard and Heskey meant that England had achieved the impossible and beaten Germany 5-1 in their own back yard.

8. Beating Argentina in World Cup (2002)

At the World Cup in 2002 England were drawn in the same group as the highly fancied Argentina side. This game would provide a chance for England’s David Beckham to exact some revenge against the nation against whom he had been sent off four years earlier. The celebrations of the Argentina players after that victory in 1998 had upset all of the English players, and this was built up into a serious grudge match. The script was perfectly written, and England won the game 1-0 with a scuffed penalty by David Beckham. A great win and a great moment for Becks.

9. Michael Owen’s Goal Against Argentina (1998)

The World Cup quarter final match between England and Argentina will be remembered for many things. David Beckham’s sending off, Sol Campbell’s disallowed goal, two penalties in the game, and the dramatic penalty shoot-out won by Argentina. The one thing that stands out however is an eighteen year old Michael Owen receiving the ball on the halfway line with the score at 1-1. He ran at the defence and took the ball past the Argentine defence before smashing an unstoppable shot past the helpless keeper. It was one of the great moments in sporting history.