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A major investment has been made to improve the financial health and literacy of vulnerable Barbadian families.
The Barbados Public Workers Co-op Credit Union Limited presented sponsorship of $12,000 to the Ministry of People Empowerment and Elder Affairs’ One Family Programme.
The funds will directly support the delivery of comprehensive financial counselling and management sessions to eligible families under the One Family Programme.
Starting from June, the credit union’s trained financial wellness partners will work with the target families, covering topics including budgeting, saving, debt management, and setting achievable financial goals.
Minister of People Empowerment and Elder Affairs, Kirk Humphrey, says the programme welcomes the credit union as a partner in the ongoing effort to promote financial literacy and empower at-risk Barbadian families with essential money management skills.
Meanwhile, the credit union’s Chief Marketing and Customer Experience Officer, Gail Niles-Best, says the sponsorship forms part of the company’s long-standing commitment to strengthening communities through education and financial empowerment.
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Indogulf Cropsciences IPO Review 2025
In this video, we break down the complete analysis of Indogulf Cropsciences Limited IPO, including GMP trends, valuation, financials, debt analysis, and most importantly, whether you should apply for listing gain or long-term!
???? Topics Covered:
IPO Dates, Price Band & Lot Size
GMP Today & Listing Gain Possibility
Company Background & Business Model
Financials: Revenue, Profit, Cash Flow
Debt vs Profit Analysis
Valuation vs Industry Comparison
Risks Investors Must Know
Final Verdict: Apply or Avoid?
???? Watch till the end for our final conclusion based on GMP trends and past IPO patterns!
???? Don’t forget to Like, Share, and Subscribe for more IPO reviews and financial content!
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Contact us – Click here for free advice
www.payplansolutions.co.za
If you’ve ever been caught in cash crunch you know how hard it can be to dig yourself out of trouble. Debts take over your life, bills pile up and then the phone starts to ring as collection agencies circle overhead. No one wants to be in this position, but there is a way out with the help of non-profit credit cousellors. They can really make a difference. They will teach you how to budget, provide basic credit counselling and talk you through your options in terms of negotiating with your creditors.
Basic services like counselling and debt management workshops are low cost—or in some cases no cost—and the money they can save you is more than worth your time. The hardest part is asking for help. Bruce Sellery walks you through the different services available and explains how they work.
Links to some non-profit credit counseling agencies
Credit Counselling Society — www.nomoredebts.org
Credit Canada — www.creditcanada.com
Consolidated Credit — www.consolidatedcredit.ca
Money Mentors — www.moneymentors.ca
Farm Debt Mediation in NSW — A few problems
by ALEX ELLIOTT on 05/05/2012 · LEAVE A COMMENT · in MEDIATION
The object of the NSW Farm Debt Mediation Act 1994 is to provide for the efficient and equitable resolution of farm debt disputes. Mediation is required before a bank or financial institution can take possession of the farm or other farm property.
Section 10 of the Act provides that once a farmer gives notification that mediation is required, the bank or financial institution cannot take any enforcement action unless a certificate is in force under section 11.
Section 11 of the Act stipulates that a certificate will be issued by the Authority (NSW Rural Assistance Authority), if the Authority is satisfied that a satisfactory mediation has taken place in respect of the farm debt involved.
Mediation is a structured process in which the mediator, who must be a neutral and independent person, assists the farmer and the bank or financial institution to reach an agreement. That agreement may mean the capitalisation of interest, the extension of repayments, additional advances or increasing an overdraft limit. It may also mean the sale of certain assets over time. There are many possible settlement outcomes available to the parties.
The High Court of Australia in its decision in Waller v Hargraves Secured Investments Limited [2012] HCA 4 has added a substantial complication to the mediation process and any possible settlement.
In August 2003, Hargraves Secured Investment Limited advanced $450,000 to Ms Waller under a loan agreement. The advance was secured by a mortgage over Ms Waller’s farm. She defaulted on the loan.
Mediation was held under the provisions of the Farm Debt Mediation Act 1994. The parties entered into terms of settlement under which there was a second loan agreement for $640,000. This enabled the first loan to be paid out, along with past and future interest.
Ms Waller defaulted on the second loan.
Hargraves Secured Investment Limited commenced action in court for possession of the farm and judgment against Ms Waller.
Ms Waller appealed to the High Court from a decision of the NSW Court Appeal. The argument which was accepted by the High Court was that the enforcement proceedings were not in relation to the farm debt the subject of the mediation. There was now a new and different debt, which was distinct from the first loan. Hargraves Secured Investment Limited had not complied with the Act because the mediation only dealt with the first loan, not the new one.
So it seems that even if a section 11 certificate has been obtained in respect of a farm mortgage, a bank or financial institution must be careful that the farm debt it relates to is the same and has not been discharged in anyway prior to enforcement action. If in doubt it seems that a new notice to the farmer may have to be given.
The High Court’s decision may discourage future lending to farmers because of the uncertainty surrounding this decision. The bank or financial institution may play it safe and only offer in mediation the option of refinancing with another institution, selling the asset or agreeing to surrender the asset to the bank or financial institution. Anything else may complicate future enforcement proceedings.
This is clearly not in the interests of the rural community and the Act needs to be amended as a matter of urgency. A full range of options should be available to comply with the spirit of the legislation.
Alex Elliott
National Debt Mediation Association CEO, Magauta Mphahlele, discusses the role of the NDMA
Debt. No one else sees it, but it’s always hanging around weighing you down.
Get debt off your back. The Credit Counselling Society is a non-profit service that’s helped thousands of Canadians solve their debt problems. Call them today at 1-888-527-8999. Their help is free, confidential, and it works.
Credit Counselling Society – The First Phone Call
https://www.g.page/richard-killen-richmond-hill This video recording gives you a quick overview of debt counselling found in Richmond Hill and adjacent areas of Vaughan and Markham regarding what debt counselling is with your alternatives to debt counselling in the Greater Toronto Area.
Personal Debt Counselling in Richmond Hill
A number of people today have trouble paying their financial debt, whether it is charge cards or various other types of debt.
Are you among them?
Are you likewise having problems getting rid of your own personal debt for months or perhaps many years?
Are you among the many people who neglect the issue or simply wait and allow it to accumulate, or stubbornly hang on in worry about declaring bankruptcy?
The way to obtain the most effective option could well be obtaining help and advice through a financial debt professional, although not debt counsellors can offer you all the options that may be the most beneficial option for you.
Financial debt counselling is an excellent alternative to personal bankruptcy, wherein quite a lot of men and women who do not desire bankruptcy as a fix to their financial troubles.
Speaking with a Licensed Insolvency Trustee will direct you through each of the alternatives that may be appropriate for you, in order to make the most suitable choice for your circumstance.
Consulting with a trustee doesn’t mean you are filing for bankruptcy, instead they’ll review your circumstance and give you all your options to obtain the right choice to your debt worries, such as credit and debt management, a consolidation loan, a consumer proposal and individual bankruptcy.
Richard Killen and Associates have been offering personal debt and credit counselling for more than 25 years. We utilize a combination of tools to ensure you get out of debt but not simply that, we provide basic credit education with regards to budgeting and money management skills to assist you to achieve your financial goals.
“This Could Be The Most Stress Relieving Phone call You’ll Ever Make!”
Call +1 905-513-0699
We have offices over the GTA. Visit https://rkillen.ca/debt-counselling-toronto-an-alternative-debt-relief/ for more information.
Richard Killen & Associates Ltd Richmond Hill
9140 Leslie Street
Richmond Hill, ON L4B 0A9, Canada
Tel: +1 905-513-0699
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CLIP DESCRIPTION:
In 1965, young Israeli Mossad agents (Sam Worthington, Jessica Chastain) went on a secret mission to kill a war criminal, now thirty years later they must go back to finish the job. Also starring Academy Award Winner Helen Mirren and Tom Wilkinson in a taut thriller by director John Madden.
FILM DESCRIPTION:
In this gritty spy thriller, Helen Mirren plays a retired Mossad agent named Rachel. Once upon a time, Rachel was part of a celebrated trio of secret agents who tracked down a Nazi war criminal in East Berlin in 1966 — an incident so applauded in history, that now, three decades later, her own daughter has just published a book about the exploits. But one of Rachel’s former partners in espionage, David (Ciarán Hinds), seems less than reverent about his memory of the time, and he proves his feelings with a decision that sends Rachel and her other former partner, Stephan (Tom Wilkinson), on a forced revisit through time. For 30 years, Rachel has been living one truth, but now, as the past collides with the present, a new and deadly story begins to emerge.
CREDITS:
TM & © Universal (2010)
Cast: Sam Worthington, Helen Mirren, Tom Wilkinson, Marton Csokas, Jessica Chastain, Romi Aboulafia
Director: John Madden
Producers: Mairi Bett, Eitan Evan, Tarquin Pack, Eduardo Rossoff, Kris Thykier, Matthew Vaughn
Screenwriters: Matthew Vaughn, Jane Goldman, Peter Straughan, Assaf Bernstein, Ido Rosenblum
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