Interpreting Change Charity and Not-for-Profit Newsletter, Spring 2016
Does Charity Relocation Guarantee Donors?
The National Living Wage is Here
Budget 2016: What are the Key Changes for the Sector?
Should relocation be considered when trying to maximise finances and attract donors?
On 1 April 2016, the National Living Wage took effect, meaning workers aged 25 years and above are now entitled to £7.20 per hour.
At what was described as a ‘Budget for the next generation’, here we discuss the key changes set to affect the charity sector.
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Contents
PP
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Welcome and Partners
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Special Feature Does Charity Relocation Guarantee Donors?
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Should the Freedom of Information Act be Extended to Charities?
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Raffingers Foundation: Chartered Accountants Announce Supporting Charities
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Fundraising Guide Revised to Improve Trustee Responsibility
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The National Living Wage is Here
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Annual Charity Golf Day 2016
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Top Ten Tips: For the Charity Treasurer
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Cloud Accounting: Why You Must Convert from Traditional Software
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EU Referendum: The Charity Commission Provide Guidance on Voting In
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Budget 2016: What are the Key Changes for the Charity Sector?
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Partners Perspective Charitable Giving: Why do the Under 30s Donate the Least?
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Welcome to our SPRING Newsletter Welcome to the 2016 Spring Edition of our Charity and Not-For-Profit Newsletter. It looks like the sector is still heavily in the limelight with the government releasing further legislation at the 2016 Budget and the Charity Commission set to take yet more action. As a result, in this month’s edition, we provide insight into the Budget 2016 and the key changes the Charity sector need to look out for. We also look at whether the Freedom of Information Act should be extended to Charities and delve into the newly released guidance provided by the Charity Commission on Voting In at the EU Referendum. Additionally, we discuss whether Charity Relocation does Guarantee Donors, Charitable Giving and Why the under 30s Donate the Least and provide our Top Ten Tips for Charity Treasurers. Finally, we are excited to announce the launch of Raffingers Foundation, which has been set up to raise money for Ovarian Cancer Action and Pancreatic Cancer Research Fund. More information about this and our upcoming events can be found on page 6. As always, if you would like to be featured in our next edition, or have any suggestions for topics that you would like to see discussed, please get in touch. The Partners at Raffingers
Raffingers Partners Gary Inglis Managing Partner gary@raffingers.co.uk
Andrew Coney Partner andrew@raffingers.co.uk
Lee Manning Partner lee@raffingers.co.uk
Adam Moody Partner adam@raffingers.co.uk
Suda Ratnam Partner suda@raffingers.co.uk
Barry Soraff Partner barry@raffingers.co.uk
Paul Dell Partner paul@raffingers.co.uk
Annual Charity Golf Day 2016 - Page 9
Does Charity Relocation Guarantee Donors? SPECIAL FEATURE
Relocation can be problematic and complex for sensitive sectors, such as charities. With donations contributing to the majority of charity income, should relocation be considered when trying to maximise finances and attract donors? With charities on the hunt for donor contributions, the notion of relocation is a growing option for many not-for-profit organisations. As the capital becomes increasingly expensive, many charities are looking elsewhere to house their organisations. Improved transport links and technology advancements make relocation a promising option, not least because they provide cost savings for many not-for-profit organisations. However, there are aspects that charities must be aware of before embarking on this journey. By law, charities buying or renting out property must ensure that it is in the best interest of the charity. All properties
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owned must contribute to achieving the charity‘s purpose and fulfilling its public benefit and according to the Charity Commission, all charity property must be suitable for the needs of the charity and be fairly priced or discounted. This includes competitive mortgage terms. More significantly, charities must be aware of any restrictions specified in their governing document that pertain to property. Once the above is addressed it is then a matter of where to move to. London is the most popular location for charities and for good reason too. Research shows that a third of the UK’s largest charities are located in London, which yields 46% of the entire charity sector income and 63% in assets. With nearly half of the sector’s wealth based in the capital, and with 33% of all charity workers living in London or the South East, it is clear that London is the hub for charities. This puts those in the sector in a difficult position as being based
Gary Inglis 020 8418 2770 gary@raffingers.co.uk
Should the Freedom of Information Act be Extended to Charities? With the topic being heavily discussed, the motion was pre-empted in December 2015 where we saw the Cabinet Minister Officer announce he was in favour of all charities complying with the Freedom of Information (FOI) Act. The FOI Act allows the public access to information, which is normally held by the authorities. This is usually done through companies publishing information or members of the public requesting it. The rationale behind the proposition is that charities receive a proportion of the taxpayers’ money to spend on charitable activities; therefore the public has a right to know how this money is spent.
in London allows them to compete for better workers, but moving there and being based there is not going to be cheap. According to research conducted by NfpSynergy with a sample of 1000 individuals, results show that 68% of people feel that charities who decide to relocate to London are being ‘somewhat’ or ‘very’ wasteful: Only 8% asked felt that relocating to London was worthwhile. The research goes on to say that charities would benefit more from an effective online presence and marketing practices. Furthermore, although London boasts the most income, research shows that different regions across England have broadly similar income. Therefore, a charity’s income potential is important when considering a move, but charities should also focus heavily on the effect the move will have on its business and its clients. E.g. Charities whose public benefit is based on helping those in London should probably stay in London and seek financial advice on cutting expenditure or have a small base in London and other properties elsewhere. It is imperative for charities to understand the many elements of relocation, such as a charity’s strategy, its finances, its size and legislation. Each individual case is different and expert advice should always be sort prior to a move.
However, many charities disapprove of the proposal, explaining that it would ‘ultimately harm good causes’ (Chief Executive of Aveco) and that there are already guidelines implemented to increase transparency. The charity sector is regulated by the Charity Commission and an increase in hierarchy would mean more detailed, itemised reports providing more pressure on the sector and making it more difficult for charities to fulfil their public obligations. On the other hand, the FOI Act may have to be diluted if charities are to be accommodated. With companies having to publicly publish accounts; company information may be given less freely, making the FOI Act ineffective. David Banisar, of the Human Rights Organisation stated: “The Government’s proposals will lead to more secrecy, less accountability and a more insular and unresponsive Government. It is moving the law from the right to know to the right to no information.” While saying this, there are arguments in favour of the FOI Act being extended to charities. The main benefit of the Act is its intent to promote openness and transparency. With the sector currently under fire for its inability to be transparent, the FOI could have a positive impact on the sector. MP, Tom Brake stated: “Our democracy is healthier, more resilient and less vulnerable to ambush with tough and challenging FOI laws in place. The bill would strengthen FOI to ensure that no one was above the scrutiny of FOI – not ministers, the private sector, charities, parliament or the royal household.” If the Bill is to be passed, the FOI act will be applicable to all social enterprises, private companies and charities who work in the public sector.
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Raffingers Foundation: Chartered Accountants Announce Supporting Charities We are excited to announce the launch of ‘Raffingers Foundation’, which will support two charities: Ovarian Cancer Action and Pancreatic Cancer Research Fund.
Raffingers Foundation was formed in memory of Jason Kew, a dear husband and friend, who sadly lost his battle against pancreatic cancer, as well as to honour those family members of the firm who have been lost to ovarian cancer. For these reason, funds raised by the Foundation will go towards scientific research and specialist staff and equipment, helping to put a stop to the number of women and men suffering and dying from these terrible diseases. The two charities the funds will be split between are: Ovarian Cancer Action – A charity that strives to stop women dying from ovarian cancer by funding worldclass scientific research leading to innovative treatment and progressive solutions, and Pancreatic Cancer Research Fund (PCRP) - A national charity dedicated exclusively to supporting research to improve diagnosis and treatment of pancreatic cancer. Earlier this year, the charity launched a national tissue bank for pancreatic cancer research, the first of its kind in the world. Founder and CEO of PCRP, Maggie Banks stated, “We’re honoured to have been chosen and immensely grateful to Raffingers for supporting us in tackling this complex and aggressive cancer. The growing portfolio of projects we fund covers the very best, most innovative research across the UK and Ireland and we’re determined to find new ways of helping people to beat this disease.” Chief Executive of Ovarian Cancer Action, Katherine Taylor said, ‘Ovarian Cancer Action is delighted to have been chosen as a beneficiary charity of Raffingers Foundation. A woman in the UK dies of ovarian cancer every two hours but with the help of supporters like Raffingers, and their employees, we can fund pioneering research at the Ovarian Cancer Action Research Centre, which will give women the best chances of survival. We very much look forward to working with Raffingers Foundation in the near future.’ Chair of Raffingers Foundation, Lauren Aston stated, “Raffingers has been supporting charities for many years now as our way of giving back to the community and it is great that we are able to take our work further. Ovarian Cancer Action and PCRF are two charities very close to our hearts and we are extremely excited to be given the opportunity to support both charities in the work and research they do.”
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Upcoming Events Nuclear Races Date: 15 May 2016 Eight members of the Raffingers team will be tackling a 12km, muddy, obstacle loaded farmland to raise awareness and money for Ovarian and Pancreatic cancer. Annual Charity Golf Day Date: 30 June 2016 Venue: Toot Hill Golf Club Not only will this be our tenth Charity Golf day, but it will be the first Golf Day we hold to raise money for The Raffingers Foundation. Back to School - Football and Netball tournament Date: 7 July 2016 Venue: West Hatch School Submit a seven a-side team to take part in our football and netball tournament in July. Contact danniella@raffingers.co.uk for further information.
More information on Raffingers Foundation can be found at www.raffingers.co.uk/community.
Employee Spotlight In this slot we introduce you to a valued member of our team, allowing you to put a face to a name. This quarter we speak to our Audit Manager, Hetal Mistry. Name: Hetal Mistry Email: hetal@raffingers.co.uk Career history: After obtaining my economics degree from University College London and after careful thought, I decided my career would follow the path of accountancy. After six years of experience with many different entities, including Baker Tilly, Felton Pumphrey and Grant Thornton UK, I joined Raffingers in January 2016 as an audit manager. Interests: I am a Liverpool fan and am lucky enough to have been at the Ataturk stadium to watch the mighty reds come back from three nil down and beat AC Milan. This was in 2005 on a cold night in Istanbul and was one of the greatest nights of my life. I also enjoy travelling. I travelled around 14 countries in Africa where I walked with lions, did the biggest bungee jump in the world and sat with Silver back Gorillas in Uganda. During my time in Africa, I taught maths at the Soft Power project for orphaned children. I also travelled to Bolivia, Peru and Brazil and was fortunate to have had the chance to complete the Inca Trail and party samba style at carnival in Rio de Janeiro. Partners Report: Since joining in January, Hetal has been a breath of fresh air and is now responsible for overseeing our whole audit process. Not only this, but he has also taken on the responsibility of our internal audit training programme. Hetal has fitted into the team well and has achieved a lot in such a short space of time. We now look forward to seeing Hetal develop further within our team.
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Fundraising Guide Revised to Improve Trustee Responsibility In the last 12 months, trustees have been dragged through the mud as a consequence of endless fundraising blunders. In response, reviews and consultations have been taking place in to how the sector can be better regulated and how the public’s confidence can be restored. The process began with The Etherington Review in September 2015, which looked in to charity fundraising practices and regulation, and has continued with the charity watchdog revising the fundraising guidance for trustees (Document: Charity fundraising: a guide to trustee duties). With the public in agreement that charities have been taking the wrong approach to fundraising, on 3 December 2015, the Charity Commission published its draft revised guidance for trustees. Although charities have always had a legal responsibility to ensure that they use best practice when it comes to fundraising, the draft guidance places more focus on trustee duties and encourages trustees to take more responsibility when it comes to fundraising. Due to the widespread criticism that has evoked from the Olive Cooke case, charities have lost the public’s trust. The aim of the revised guidance will encourage trustees to take a new approach when implementing their fundraising efforts.
As a result, the draft guidance discusses six areas that trustees must meet in order to fulfil their charity fundraising responsibilities: • • • • •
Being accountable and open Compliance with fundraising law Meeting recognised standards Effective planning Protecting the reputation and assets of the charity
To add further, the new guidance is shorter and is hoped will replace the current guidance: Charities and Fundraising. Failure for trustees to take their fundraising responsibilities seriously is considered a breach of the law and charities can expect to be contacted by the charity watchdog. Director of Policy and Communications at the commission, Sarah Atkinson, stated “The revised guidance reflects the need to put public trust back at the heart of charity fundraising. It makes absolutely clear that trustees are in the driving seat of their charity’s approach to fundraising. This doesn’t mean that we expect them to become expert fundraisers themselves but the buck really does stop with them. This guidance explains what we as the regulator expect of them”.
Failure for trustees to take their fundraising responsibilities seriously is considered a breach of the law and charities can expect to be contacted by the charity watchdog.
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The National Living Wage is Here On 1 April 2016 the National Living Wage (NLW) took effect, which means employers now need to pay any workers aged 25 years and above a minimum of £7.20 per hour (50p increase). The NLW is not a choice and will be enforced as strongly as the current National Minimum Wage (NMW), which means you could face fines, prosecution and ‘naming and shaming’ for failing to comply. It is important that you are aware of how these changes will affect your business as not only will they mean a higher wage bill for you, but in some circumstances can affect pension contributions and the eligibility of your employees. Please note that the NLW is not replacing the NMW and the NMW will continue to apply for those employees under the age of 25. The current NMW rates are: • £6.70 for 21s and over • £5.30 for 18 to 20-year-olds • £3.87 for under 18s • £3.30 for apprentices (the rate applies to all apprentices in year one of an apprenticeship, and 16-18 year old apprentices in any year of an apprenticeship) If you have any questions on the NLW and how you should be planning for the change, please contact Suda Ratnam at suda@raffingers.co.uk.
Annual Charity Golf Day 2016 Date: Thursday 30 June 2016 Venue: Toot Hill Golf Club Time: 10am arrival, 11:00am first tee off We are pleased to announce that we will be hosting our tenth Annual Charity Golf Day this year on Thursday 30 June. Not only is this our tenth golf day, but it will also be the first golf day we have held in aid of our brand new charity, Raffingers Foundation, see page 15 for further details) This event is an excellent opportunity for us to bring together colleagues, clients and friends of the firm for this great cause.
For an entry fee of £75 per person, you can celebrate our tenth Charity Golf Day with us. This price includes an 18 hole course, customary welcome breakfast, awards presentation and a three course dinner, as well as a few surprises along the way. Individual and team places are available. To secure your place at our golf day, please contact: Danniella Cross 020 8418 2709 danniella@raffingers.co.uk
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Top Ten Tips: For the Charity Treasurer
Cloud Accounting: Why you Must Convert?
Although being a treasurer can be very fulfilling, it is important that you are aware of your responsibilities, especially if you do not have any prior experience. Here are our top tips for the charity treasurer.
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Understand Your Role - Ensure you understand what is expected of you. You can be expected to do anything from budget control to staff pensions and investments.
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Build on Financial Knowledge - Explore the option of attending a course if you lack experience or better yet, you could become a member of an association.
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Get Organised - Charity records should always be reliable and accounted for separately to personal finances. History has shown that charities have failed because of this.
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Establish Financial Controls - Being aware of cash flow, budgets and expenditure is essential. NCVO have informative Financial Management guides to help you on your way.
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Seek Opportunities - Ensure that you are familiar with your charity’s ‘risk appetite’ and do not be afraid to explore new options, especially if you have the figures and have compiled research to support your cause.
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Work with Accounts/Accountants Make sure that you converse with your accountant on how your charity can better fulfil its objectives.
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Make Yourself Available - Although you may not be able to attend every single event, ensure that you do make it a priority to be active at every trustee committee meeting.
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Be Realistic - Do not fall into the trap of overstating or understating what your charity spends and makes. Always draw up valid and true accounts.
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Abide by Legislation - Failing to comply with the law can result in large penalties and criminal sanctions.
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Know the Difference - Unlike a business, a minimum of 10% expenditure goes towards meeting charitable aims and objectives. Be sure your charity always meets this.
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Cloud accounting has taken the business world by storm, but why is the software so popular amongst small to medium sized businesses? With four years of experience using cloud accounting, I explore the features that make the software so appealing to accountants and businesses alike. Flexibility Ultimately, the main advantage of cloud accounting software is the flexibility. You are no longer tied to a computer and are able to run your business from anywhere in the world and from any device. Through having access to up-to-date financial figures wherever you are, you are able to regain control of your business, keep on top of your finances and not be caught out by any hidden surprises. Unlike traditional accountancy software, you have the freedom to access your accounts at any time, not once a year when your year-end has been processed. I have witnessed firsthand how beneficial this is to businesses – improving their efficiency and helping them make the most of opportunities. Bank Feeds Automatic bank feeds are the key behind cloud accounting. Through linking your business account up with your cloud accounting software you can reconcile invoices and gain an accurate understanding of your cash flow. This feature allows you to access your
We are offering 3 months free of Xero when you sign up today. Contact amy@raffingers.co.uk for more information.
finances in real time. Multiple Accesses This is a great benefit that allows for collaboration. You can decide who has access to your software and what they can see. Through multiple accesses you can also share your data with your accountant. This is a great feature for us as it allows us to spot any discrepancies immediately, provide accurate forecasts and, ultimately, more relevant advice as we can see instantly what is working, what is not working and what can be done to help you grow. Through this feature you can allow internal employees to access specific areas of the system that you would like them to work on too. Add-on Software Whatever your business needs, there is no doubt that there will be an add-on for it. With hundreds of cloud accounting integrated applications available, you can easily find add-ons best suited to meeting your businesses objectives. A few of my favourite add-ons include CrunchBoards, Receipt Bank and Chaser: • CrunchBoards – CrunchBoards work alongside Xero, providing users with complete clarity of their data. What makes CrunchBoards so valuable is that every transaction from the beginning of time can be imported, which means absolutely any KPI can be looked at in real-time for operational,
retrospective or future analysis. And, if anything is amiss you will be the first to know • Receipt Bank – Receipt Bank extracts the key information from your bills, receipts and invoices, removing the need for manual data entry. Receipt Bank can then publish the data to Xero or it can be downloaded as a spreadsheet or used to create expense reports. • Chaser - Chaser allows you to reduce your debtor days and gain a financial boost through automating the process you use to chase invoices. Through integrating with Xero you can set the chasers you want your customers to receive at different points until the invoice is paid. Easy Invoicing Cloud accounting software is also synonymous with quick and easy billing. You can produce invoices quickly on cloud software, ultimately promoting better and improved cash flow.
To find out more about Xero please contact: Amy Townsend 020 8418 2690 amy@raffingers.co.uk
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EU Referendum: The Charity Commission Provide Guidance on Voting In The EU in-out referendum is just months away and as we get closer to the big vote, The Charity Commission has released guidance for charity and not-for-profit organisations. On 7 March 2016, the Charity Commission released their regulatory guidance outlining what the law permits and does not permit them to do in the run up to the referendum. The guidance is aimed specifically at those who may be considering public involvement in the debate and are warned that such involvement could be classed as political activity. It goes further to say that political activity when debating the EU referendum could also be classified as a breach of law unless the organisation in question can demonstrate compliance with this guidance and two others: Commission’s guidance on Speaking out: guidance on campaigning and political activity by charities (CC9) and in Charities, Elections and Referendums. The guidance directs charities to consider these following five elements before and during the referendum:
The Commission has stated that there are ‘reputational risks’ in place for those who aim to get involved with the campaign.
• Does this political activity support, and is it incidental to, the charity’s purposes? • Are any conflicts of interest and other risks properly managed? • Are decisions to engage properly recorded? • What is the role of the Commission if guidance is breached? • Does the charity’s involvement need to be registered with the Electoral Commission? The Commission has stated that they will be watchful of any charities that breach the rules as there are ‘reputational risks’ in place for those who aim to get involved with the campaign. Furthermore, The Charity Commission also addresses the fear felt by many charities that they could lose EU funding if they do not place a ‘remain-in’ vote. The guidance states: “For charities that are in direct receipt of such funding, the possibility of a loss of funding will clearly be an issue...However, knowing that the outcome of the referendum could result in a loss of funding would not in itself justify political activity directed at the UK remaining in the EU.” The Commission’s Director of Legal Services, Kenneth Dibble, stated: “Political activity by a charity can only ever be undertaken in support of its charitable purposes. This guidance sets out the rules charities must
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follow should they be considering engaging in the EU referendum. The guidance clearly says that there are reputational risks for charities which engage in political activity on the EU referendum. Trustees must therefore consider the guidance carefully before involving their charities.”
Andrew Coney 020 8418 2710 andrew@raffingers.co.uk
Budget 2016:
What are the Key Changes for the Charity Sector?
Preventing Homelessness Following on from the Autumn Statement the government furthers their commitment to support those most vulnerable, with the aim of preventing homelessness. This will be achieved through: • Investing £100million to deliver low-cost ‘second stage’ accommodation for rough sleepers. This is expected to provide 2,000 places for rough sleepers leaving hostel accommodation and domestic abuse victims and their families leaving refuges
The government plan to double funding for the Rough Sleeping Social Impact Bond from £5million to £10million
• Investing £10million to support and scale up ways to reduce rough sleeping • Doubling the funding for the Rough Sleeping Social Impact Bond from £5million to £10million. This money again will be used to help introduce solutions for rough sleeping • Proactive action to help rough sleeping EU migrants to return home
Funding It was announced that £45million of banking fines will be donated over the next four years to support military charities and other good causes. It was also declared that £12million from the Tampon Tax Fund will be used to support a range of good causes benefitting women. Some of these include: • £1.1million to Central Manchester University Hospital to build a dedicated helicopter landing pad • £300,000 to Ovarian Cancer Action to fund research into a pioneering ovarian cancer prevention strategy • £958,000 to Royal British Legion Industries to deliver intensive employment support to long term unemployed Veterans across the UK
Charity Loans Loans or advances made by close companies to charity trustees for charitable purposes may not be subjected to tax. This will apply to qualifying loans or advances that are made on or after 25 November 2015.
Disability Budget The disability budget will increase by more than £1billion and the money will be ‘better targeted’ to those who need it the most. However, cuts will be made to reduce the benefit by £30 a week to £73 for some disabled people.
For further information, please contact: Adam Moody 020 8418 2683 adam@raffingers.co.uk
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Partner’s Perspective
Charitable Giving: Why do the Under 30s Donate the Least? A topic that has been brought to my attention is the disparity between the older generation and younger generation and their charitable giving habits. Discussions on this topic have been brewing for years as charities continue to hedge their marketing towards the over 60s bracket. With this topic on the rise, just why are the under 30s less likely to donate?
But why might this have been the case?
Coincidently, a Radio 4 interview and a recent report I read showed that charities tend to hedge their marketing towards the older generation. This fact was highlighted in the Olive Cooke case, where the 92 year old received over 3,200 charity mailings a year. Following this case many over 60s spoke out to say that this was not a freak occurrence, but they also received over 100 charity mailings a month.
However, there are reasons why the younger generation are less likely to donate according to a study conducted by Barclays. Over 85% of younger people prefer to donate to a charity online and believe that digital donations are the way forward (over 63%). With charities more accommodating of traditional donation channels, such as direct cheques (95%) or direct cash donations (87%) it comes as no surprise that over 79%
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I decided to investigate further and found that according to CAF Aid Foundations Charitable Giving report, those aged between 16 and 24 are least likely to actively donate or participate in sociable action. Moreover, individuals aged 65 and over, regularly donate to charities, a third more than the youngest group of potential donors.
Over 85% of younger people prefer to donate to a charity online and believe that digital donations are the way forward. of donations are made offline and that the over 50s dominate when looking at regular charitable giving. Subsequently, it is understandable why the older generation are the biggest donors. In my opinion, many charities fear that by implementing new tactics, such as online marketing routes, they could lose their biggest contributors. This explains why charities struggle to capture many of the under 30s, as they do not accommodate their payment preferences. With this being said, there are other explanations for their donating habits. The under 30s typically have the least amount of disposable income, which could be a substantial reason for why the over 50s are able to donate more. With job finding more difficult and salaries a lot less competitive, charity donations are less considered. Furthermore, the
fact that we currently have an aging generation cannot be ignored and may explain why donations are more prominent for the over 60s. The younger generation are not all bad though, as despite them being less likely to donate, they do overshadow their elders through volunteering. Additionally, the Barclays study shows that as the digital age begins to grow, the younger generation are now the fastest growing group of donors. The younger generation have increased donation levels by 30% from the last year, 6% more than the older generation. Charities need to be aware that they do not have to choose one generation to market to. They can continue to accept cheques and cash, but should begin to reform and improve their digital image – donating needs to be accessible to all.
For further information: Suda Ratnam 020 8418 2681 suda@raffingers.co.uk
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