The National Association of Funeral Directors (NAFD) has launched a campaign to encourage more people attending funerals to make charitable donations online rather than cash donations. This will help increase the value of those donations to charities through Gift Aid.The Association estimates that each year charities miss out on more than £25 million because donations at funerals are usually anonymously made in cash and funeral directors can not claim Gift Aid for charities.The GiftAid 25 campaign is being carried out in association with online giving site JustGiving, Memory Giving, Friends and Relations and EMS Internet. Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Howard Lake | 13 August 2013 | News Funeral directors to encourage online giving to boost Gift Aid About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. 112 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 The campaign is also designed to help funeral directors themselves. The NAFD, which has 3,700 funeral firm members, estimates that collecting and processing cash charitable donations currently costs the average funeral directors around £2,000 a year.Alan Slater, chief executive officer of the NAFD explained: “By launching the ‘GiftAid 25’ campaign we are not only helping funeral directors to provide an improved, added value service to their clients at a difficult time but we are also helping to support local communities by ensuring more money is given to well-deserving charities.”JustGiving has developed a new platform specifically for funeral directors to process donations online and ensure that charities can, where possible, reclaim Gift Aid. Liz Bettles of Green Willow Funerals, based in Wales, has used the new online system. She says that, as a result, Green Willow Funerals have raised over £20,000 for local and national charities, almost £5,000 which was Gift Aid. This is money that would not have been recovered if the donations had been in cash.
Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Community News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Frontier Ventures, a Pasadena-based Christian organization, has announced it is seeking people to help spread the word of the gospel to the nomadic peoples of Central Asia.The five-week Nomad Truck Venture will see participants travel more than 3,000 miles across Central Asia this summer where they will face the special needs and challenges of sharing Christ among communities always on the move.Found largely in remote and often difficult-to-access regions of Africa and Asia, the nomads’ unique way of life presents great challenges. The Nomadic Peoples Network (NPN), also a co-trek organizer, has identified 181 nomadic groups—totalling 123 million people—of which only one is known to be reached.The organization says nomads represent a major priority for frontier missions, as 69 of the world’s 193 nomadic groups have populations of over 100,000, and are more than a third of the world’s unengaged, unreached people.“We’re looking for people with a calling to those hard-to-reach people groups—adventurers, backpackers, camping enthusiasts,” said Paul Dzubinski, director of the Ralph D. Winter Launch Lab at Frontier Ventures. “We hope that providing them with an opportunity to meet nomads and understand better their life, culture, and spirituality; some might feel led to join the work among them.”Dzubinski is looking for up to 40 people to take part in one of two legs of the riding and camping “mobile workshop” that will also see participants hike into inaccessible areas to meet with some members of those communities.The Nomad Truck Venture, the first of its kind, was suggested by NPN founder Malcolm Hunter, who is a long-time collaborator with Frontier Ventures and spent 40 years as a cross-cultural worker in the Sahara desert, working among nomadic unreached groups. Hunter said, “Nomadic people are among the least-reached and least-evangelized groups in the world, but they are open to hearing the message of God’s love. We hope that by getting to experience some of their world, truck venture participants might be inspired to join the work.”The venture is open to Christians aged 21 and older. Candidates can get more information regarding the trip at [email protected] Business News Subscribe Your email address will not be published. Required fields are marked * Name (required) Mail (required) (not be published) Website First Heatwave Expected Next Week Herbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeautyGet Rid Of Unwanted Body Fat By Eating The Right FoodsHerbeautyHerbeautyHerbeauty9 Of The Best Family Friendly Dog BreedsHerbeautyHerbeautyHerbeauty10 Reasons Why Selena Gomez Has Billions Of FansHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeauty12 Female Fashion Trends That Guys Can’t StandHerbeautyHerbeauty Top of the News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Community News 20 recommendedShareShareTweetSharePin it More Cool Stuff Make a comment Company News Briefs Pasadena-based Frontier Ventures Announces Central Asia Trek to Spread the Gospel to Nomadic Peoples From STAFF REPORTS Published on Wednesday, January 24, 2018 | 7:25 pm faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Home / Daily Dose / Will New Reverse Mortgage Policies Reverse Concerns? Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News Reverse mortgages have the potential to become more popular as more households with insufficient income reach retirement, according to a study done by the Center for Retirement Research at Boston College.Despite the possibility for increased popularity of reverse mortgages, or HECMs (Home Equity Conversion Mortgages), concerns have risen over an increased default rate for borrowers.To respond to the concerns, the report states that HUD, starting in 2013, began restricting initial withdrawals as well as introducing criteria for underwriting. With these policy changes, property taxes as well as insurance default could potentially reduce by 50 percent.The report states one of the concerns about implementing underwriting criteria is that it could significantly reduce the take-up of loans, therefore possibly conflicting with the program’s public mission to balance the goals of high take-up rates as well as low default rates.However, the simulated impact of credit-based underwriting standards on these loans’ take-up is estimated to be minimal, especially when such standards are paired with a required set-aside for tax and insurance payments instead of a hard cutoff.The report states that the collective impact of both policies could reduce take-up by 12 percent attributed to the restrictions on the initial withdrawal amount instead of the underwriting criteria. Yet, this impact on take-up is relatively minuscule for a larger reduction in estimated defaults.In order to assess the effects of the new rules, the report used a “unique” data-set linking borrower characteristics to their loan activity and the results showed that the new rules could reduce default rates by up to 50 percent while having only a small impact on take-up.Additionally, the study relied on data that compared a variety of borrowers on a large scale. The data found concluded that newer policies are helping reduce default rates across the board.Though, only 2 percent of older Americans who qualify currently hold a reverse mortgage, it has been projected that demand for these home loans in the past five years has exponentially increased. The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago July 20, 2016 1,196 Views Print This Post Previous: HUD Reports Continued Progress For Housing Recovery Next: Real Estate is Becoming the Prefered Long-Term Investment Related Articles Demand Propels Home Prices Upward 2 days ago Reverse Mortgages take-up 2016-07-20 Kendall Baer Demand Propels Home Prices Upward 2 days ago Share Save Tagged with: Reverse Mortgages take-up Will New Reverse Mortgage Policies Reverse Concerns? Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, TX. Born and raised in Texas, Kendall now works as the online editor for DS News. About Author: Kendall Baer Subscribe
Godfreys: Herbie, Herb, and Townie aka SquidieOcean City is inexorably linked to the United States Coast Guard. Few families, if any, in town have stronger links to that branch of the military than the Godfreys.Currently Herb Godfrey, 21, a 2014 Ocean City High School grad, is serving as a petty officer stationed at the USCG Station in Woods Hole, Mass.His younger brother Townsend, 17, has enlisted in the Coast Guard and will receive his reporting date and orders upon completion of his physical.“I couldn’t be prouder of my sons,” said Herb Townsend, Sr., well-known in town as owner of Godfrey Funeral Home. “It’s wonderful they have opted to serve their country, and even more special they have chosen to do so in the Coast Guard.”Herb and Townsend represent the latest chapter in the Godfrey Coast Guard connection, which can only be described as amazing given the extent of it’s lineage. The family can trace several family members back to an 1897 local roster what was then known as the Life Saving Service at Large, a forerunner to today’s Coast Guard.The list includes the first Townsend Godfrey of Ocean City and Reuben Godfrey whose city is listed as Corsons Inlet, among the Life Saving Service’s members.According to Ocean City historian and Life Saving Station expert John Loeper, another family member, Leaming Godfrey was a member of the Life Saving Service even earlier, from 1875 to 1876. Leaming Godfrey was also one of the world’s pre-eminent practitioners of the art of carving wooden ducks, (but that’s another story.)“Those were some pretty tough guys, and dedicated,” Loeper said. At the time the construction of Ocean City’s Life Saving Station at 4th St. and Atlantic Ave. in 1885, shipwrecks averaged about one per month, Loeper said. Members were volunteers who lived and sometimes died by their official motto “You have to go out but you don’t have to come back so that others may live.”Only seven of the Life Saving Service stations built in the style of Ocean City’s survive today. Loeper said hundreds (as well as more elaborate ones) were constructed by the federal government in the late 1800s and into the 1910s, when shipwrecks decreased because of improving technology.The United States Congress merged the Life Saving Service with The U.S. Revenue Cutter Service to form the present day Coast Guard in 1915. According to Loeper, the Revenue Cutter Service was formed by founding Father Alexander Hamilton. They used their speedy cutters to inspect merchant ships and those carrying immigrants as well as other vessels entering U.S. waters to ensure paperwork was in order. That could mean tax enforcement, or deadly force if they were met with resistance.“They were some tough guys as well,” Loeper said.Ironically, when Godfrey’s son known as “Herbie” informed his dad he would be enlisting in the Coast Guard, it was for very different reasons.“He had been considering the Navy and just like most young men at that age, he wanted to try out for the Navy Seals,” Godfrey said. But one night he came up to me and said he had chosen the Coast Guard.” When the elder Godfrey asked why, Herbie’s response was classic: “Because I’d rather save a life than take one.”Young Herb was stationed for a year on an icebreaker on Lake Michigan, stationed in Sheboygan.“I visited him up there and never felt cold like that,” said Godfrey, whose father and brother-in-law also served in the Coast Guard. “It was 30 below zero without wind. And the wind did howl.”Presently his son is a mechanic stationed in relatively balmy Massachusetts.Townsend was considering the Air Force before he, too came to the conclusion that the Coast Guard was the right service branch.“He is a dedicated surfer and is in the water more than almost anyone I know,” Herb said. “One day I said to him ‘you might be stationed someplace in the middle of the country, hundreds of miles away from any water.’”It wasn’t long after, that Townsend decided to add to the family legacy that includes a great grandfather who bears his name. He hopes to be a rescue swimmer, his dad said.
However, even with the praise it has received, the FGC still faces one blatant issue that jeopardizes its survival: the relative lack of sponsorships. It does not take an expert to realize that racism in esports is rampant. Perhaps one of the most infamous cases was that of Terrence ‘TerrenceM’ Miller. Maybe we are missing some important nuance. While there are common problems that are widespread in the gaming community, reducing the entire industry to its lowest denominators of racism is not fair treatment. One particular section stands out in gaming’s inclusion potential. Of course, I am talking about the fighting game community. All this leads us to one possible conclusion: If the esports industry truly wants to tackle its racism issues, it should support the FGC. Guilherme Guerreiro is a sophomore writing about esports. His column, “Press Play to Start,” runs every other Wednesday. Companies should begin sponsoring large-scale events such as “EVO.” While this may seem like a “top-down” approach that is doomed to fail, it fits the current context perfectly. The FGC already has solid foundations when it comes to racial diversity. In this scenario, more companies sponsoring events will lead to an increase in prize money. This increase means more people joining the scene, as well as maintaining the professionals already there. With the spotlight on the FGC, the standards for inclusivity would go up, especially if that is how companies decide which tournaments to sponsor. This pressure means that the FGC would have to maintain its diversity or risk losing the support it has gained. Thanks to the work of various athletes and the Black Lives Matter movement, many sports industries are reflecting on their deep-rooted racism. The esports community should follow suit. Their honesty and openness, paired with their master skill, guaranteed them the “Best Esports Player” award at the 2018 Game Awards. But it does not require a celebrity the size of SonicFox to realize the diversity present in the FGC. The tournament roster and content creator demographics, which top all other communities for esport pros of color, show it better than any article possibly could. This issue translates into very tangible consequences, mainly the small amount of prize money in tournaments. For example, one of the most popular championships in the FGC is called “EVO,” and it has various manifestations based on which game people are playing. “EVO 2016” for “Street Fighter V” had the largest prize pool out of any EVO tournament to date, raking in just more than $100,000. While this may seem large, it pales in comparison to the last six “The International” DOTA 2 tournaments, all of which had a prize pool larger than $10 million. Pair this with the fact that many FGC athletes are not in a team, and it’s clear how hard it is to make a living as a professional fighting game player. This suggestion does not translate into a permanent solution for racism within the gaming community. But it is a step toward a better, more diverse industry. Ultimately, video games are supposed to be enjoyed by anyone and everyone. If the professional side of it does not reflect that, then the industry is heading in the wrong direction. This last factor is increasingly clear to bystanders, especially with the rise of star player Dominique ‘SonicFox’ McLean. A gay, Black and furry player, McLean has been making headlines for their unapologetic dedication to their political beliefs and for their incredible fighting games ability. There are many reasons why the FGC is the exception to the rule when it comes to racial diversity. FGC maintains accessibility, adapts the “face-to-face” aspect of mass participation in tournaments and doesn’t shy away from political statements from its players. Miller is a Black professional player who focuses mostly on card games. In 2016, he participated in the DreamHack Austin Hearthstone tournament and reached the finals, which was live-streamed on Twitch. He played well, finishing in second place. However, as soon as the match ended, he was bombarded with racial slurs in the chat. The spam was so overwhelming that Twitch had to come up with a brand new strategy to combat these instances, but the damage was already done.