240 MILLION EUROS FOR ENVIRONMENTAL PROJECTS OF THE LIFE PROGRAM.

The LIFE program has launched two calls for proposals, underlining its commitment to support projects that protect the environment and cope with climate change.

Image result for life program european commissionThe 2015 LIFE program grants call was launched on June 1, 2015 and includes proposals for both subprograms, environment and climate action. The total budget of subsidies for project activities for this call is 240,811,337 € Of this amount, 184,141,337 € have been allocated the environmental subprogram and 56,670,000 € have been allocated to the subprogram of “climate action” . At least 55% of the environment allocation will be dedicated to projects supporting the conservation of nature and biodiversity.

Traditional projects include projects to disseminate best practices, demonstration, pilot or information and awareness. These are financed under one of three lines for the environment subprogram (LIFE Nature and Biodiversity, LIFE Environment and resource efficiency and LIFE for environmental and information governance). For the Climate Action subprogram, the lines are: LIFE climate change mitigation, LIFE climate change adaptation and LIFE climate governance and information.

The capacity-building projects are designed to provide financial support for the activities necessary to strengthen the capacity of the Member States to allow more effective participation in the LIFE program.

The other three new types of projects introduced by LIFE 2015-2020 are integrated projects, technical assistance projects and preparatory projects. For the environmental subprogram, these are managed by the LIFE Unit of DG Environment.

Public bodies, private business organizations and private non-commercial organizations (including NGOs) registered in the EU are eligible to apply for grants for LIFE activities.

10 Unconventional Tips for the First Home Purchase

Buying a home is an important step in everyone’s life, especially when it’s the first time. Getting into a strategic debt situation carries some risks, but this purchase will surely prove to be beneficial for the whole family. Here is a list of 10 unconventional tips for first time buyers.

  1. Consider long-term investment

     Consider long-term investment

Remember, when you buy a home, you are making a long-term investment at the same time. Think about your immediate needs, but also those in the future. Will it be possible to expand the family, raise the children or will it be necessary to move? If you plan to stay in this house for the rest of your life, think carefully about future needs. But if you like to change places, then see your home as an investment by analyzing its resale potential.

  1. Make a lot of lists

When buying a home, the majority of people have a list with those they want to have and what they prefer to avoid. On the other hand, it is better to have more lists: list for what we want, what we do not want, what we would like but not necessary, etc. In this way, after visiting several houses, you will not forget your primary needs and you will not be mixed up by the choice. By buying a house, you make an investment and you do not want to make an emotional choice. With the lists, you make sure you make a more rational choice.

  1. Keep in mind the extra expenses

     Keep in mind the extra expenses

Do not forget to include in your purchase budget the following expenses:

  • Movables
  • The cost of transportation to work / gas costs
  • renovations
  • Repairs
  • Other dependencies (example: swimming pool maintenance)
  1. Be aware of the presence of an owner syndicate

 

Not all neighborhoods have a proprietary union. However, if this is the case, make sure to be informed and ask for the contract. It does not matter whether you rent or buy a house, knowledge of the contract is essential. Make sure to be informed before making the purchase.

  1. Think about funding alternatives

     Think about funding alternatives

The mortgage is the most used means of financing when buying a house. But do not forget to check other possible options. A little nudge is never bad. You will be surprised to see the range of financial alternatives available to you: from grants to personal loans. Many of these alternatives have limitations, but it’s easy to find out. Even if you are not eligible for any of these alternatives, it is always a good idea to try and find out.

  1. Read your contract

That’s self-evident, is not it? You will still be surprised at the number of people who do not read their contract. Buying a home is perhaps your most important decision, in addition to being a huge investment. You owe it to yourself to read the contract. Understanding it is crucial. Do not assume that your real estate broker has told you everything. Knowing yourself and knowing your future are the best you can do.

  1. Do a search on your neighborhood / neighborhoodImage result for canada neighbourhood

Knowing the neighborhood and neighborhood in general could be the deciding factor when buying a home. If you are parents and the neighborhood of the desired home is young and trendy, would you be happy to live there? And vice versa? Do your research and do not buy a house in a neighborhood that does not satisfy you 100%.

  1. Buy the house and the view that comes with

If you do not like the neighborhood or the view from your window, then do not buy this house. Love the view is as important, if not more, than loving the house itself. You can always improve your home by doing some renovations, but you will never change the view it offers you. Do not buy a house just because you like the kitchen or the bathroom.

  1. Ignore the furnishing

Image result for furnishingA fully furnished house looks better, but often it is less convenient for your needs. When buying a furnished house, try to imagine it empty so you can imagine how you will live there. Focus on important details, such as the size of the kitchen, the size of the bathroom, the need for renovations and not whether the furniture matches the color of the walls.

  1. Remember the tips that have proven themselves

Aside from the unconventional tips above, remember the methods checked when you buy your home.

  • Have an emergency fund
  • Have an initial payment of 20% already saved (otherwise you can consider the options ” rent to acquire “)
  • Improve your credit history
  • Never buy a house that you can not afford

Many details must be taken into account when buying a house: contracts, neighborhood, money, future expenses. Do not think too much for now. Take advantage of the 10 unconventional tips to make your buying process more enjoyable and easy.