Home » News » Housing Market » First time buyers counting on parents’ death to get on property ladder previous nextHousing MarketFirst time buyers counting on parents’ death to get on property ladderShocking – if not morbid – revelation highlighted by research among FTBs about how they plan to secure home ownership.Nigel Lewis17th October 201701,189 Views Young first time buyers can seem like a desperate lot sometimes as they scrimp and save for a deposit, or beg deposits off their parents.But now a new kind of desperation has set in – those waiting for their parents to die.Research by online agency TheHouseShop.com to find out which options offer younger people the best chance of getting on the property ladder discovered that only 10% are taking the traditional route of saving up.Completed by YouGov, the research found that instead many first time buyers are instead hoping to take a rather morbid short cut.Just over a fifth hoped to become home owners when their parents passed away and left them the family home, while 17% were relying on using the money left to them by their parents.Property ladderAlso, another fifth were expecting to borrow money off their parents before they die, meaning that nearly 60% of first time buyers are relying on their family or parents in one shape or another to get them on the property ladder.One surprising figure from the research is that the government’s Shared Ownership Scheme is obviously seen as a strategy of last resort – just 10% planned to use it.And in one hilarious set of answers, 5% of respondents hoped to rely on marrying a rich partner to get on the property ladder.“The idea that so many young people could be relying on the death of their parents to take their first steps onto the property ladder is indeed depressing, but if the gap between wages and house prices continues to widen, it is difficult to see a viable alternative for young aspiring homeowners,” says Nick Marr, co-founder of the TheHouseShop.“With the substantial boom in the Buy To Let market over recent years, we have ended up with a market where young professional renters are effectively funding the BTL mortgage payments of older generations – with little prospect of the roles reversing.“This can be particularly hard to take for the many Millennials who have seen their ‘Baby-Boomer’ parents build up substantial personal wealth from homeownership.”inheritance millennials Nick Marr saving for a deposit TheHouseShops first-time buyers October 17, 2017Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
Disposable catering product supplier Kavis has added two new products to its range – a Dual hot drink paper cup and a PET tumbler.The recyclable paper cup is supplied with a sip-thru plastic lid and is available in several designs. There is also the option of top-to-bottom printing, enabling the use of company logos.The lightweight and shatterproof PET tumbler (pictured) is designed to be used for smoothies or iced teas and coffees and can also be used for desserts or salads. It has a domed lid with a straw slot and can also be printed with personalised branding in up to six colours. The minimum order that can be placed is 15,000.[http://www.kavis.com]
CoronavirusIndianaLocalNews By Jon Zimney – July 22, 2020 0 581 Pinterest Facebook Twitter Pinterest More details on Indianapolis 500 COVID-19 safety rules WhatsApp Facebook Twitter Google+ Google+ (“Indianapolis Motor Speedway – Speedway, IN” by Josh Hallett, Creative Commons) If you go to the Indy 500 next month, you’ll have new safety rules to follow before, after and during the race.The Indianapolis Motor Speedway has released an 88-page pandemic safety plan for the August 23 race. The track will screen everyone’s temperature at the entrance — if you’re running a fever, you’ll be pulled out of line. If not, you’ll be issued sanitizer and a mask, and will be required to wear it during the race. Speedway staffers will roam the stands during the race and remind people who aren’t masked up — people who still don’t wear it could be ejected.Penske Entertainment president Mark Miles says the 500 is a chance to showcase how to run a large event responsibly. He says the Marion County Health Department has approved the plan. Miles says the massive size of the Speedway complex, and the fact that the event is outdoors, gives the track a headstart on keeping fans safe.The Speedway will cap attendance at a quarter of capacity, and place markers on the ground to show people where to stand in line while still observing social distancing. Miles notes the race is starting two hours later than usual, which will allow more time to get everyone through the gate. Crowd control after the race will be looser, but Miles says fans will be urged to leave in an orderly fashion. Cars won’t be allowed to leave for an hour after the race ends, to give pedestrians time to leave without crossing the roadway in large groups.On Race Day, assigned seats will keep people separated — for practice and qualifications, red stickers will mark some seats as off limits. Pre-race camping in the infield is off-limits, though there will still be camping in lots surrounding the track.While Carb Day practice will still take place, the Carb Day concerts have been canceled, along with other traditional race-month events, including the 500 Festival Parade, the annual memorial service, and the Snakepit Ball.The 500 will lift the Indianapolis T-V blackout on Race Day. The Speedway is urging fans over 65 to think about skipping this year, and says anyone who’s not feeling well should stay home. If you decide not to go, you can apply the cost of your ticket as a credit toward next year.The following information was sent to 95.3 MNC regarding the cancellation of all remaining in-person events for The 500 Festival:INDIANAPOLIS (July 22, 2020) – The 500 Festival, a nonprofit organization providing life-enriching events and programs that celebrate the spirit and legacy of the Indianapolis 500(r), today announced that it will cancel its remaining in-person events in 2020. In April, the 500 Festival announced that it intended to move its event lineup to August, provided that the appropriate environment could be guaranteed for spectators, participants, volunteers and staff. As a nonprofit organization that hosts large scale events in Indy’s public spaces, the 500 Festival faced a number of unique challenges as they explored the necessary policies and plans. After extensive evaluation, and out of an abundance of caution, the 500 Festival determined it is not able to host its remaining 2020 events. With in-person events removed from the calendar, the 500 Festival will continue its focus on creating new ways for the community to celebrate the Indianapolis 500 virtually.The following events will not take place in 2020:* 500 Festival Kickoff to May, presented by STAR Bank* Salesforce & JPMorgan Chase 500 Festival Kids’ Day and Rookie Run* 500 Festival Breakfast at the Brickyard, presented by Midwestern Engineers, Inc.* 500 Festival Volunteer Appreciation Day, presented by Citizens Energy Group* 500 Festival Memorial Service, presented by Rolls-Royce* IPL 500 Festival Parade* 500 Festival mini-mini“We worked closely with local and state officials as well as local health experts, our partners at the Indianapolis Motor Speedway, and corporate partners to ensure that every potential option was evaluated. As an organization that produces large community events held in public spaces, we faced a number of unique challenges compared to an event hosted in a standalone venue,” said Bob Bryant, president and CEO of the 500 Festival. “This decision was not made lightly. With a wide range of programs and events that engage various audiences, the 500 Festival reached this conclusion with the utmost respect for the history and family traditions that will be impacted. We’re disappointed but we know that this is in the best interest of public health as well as the vitality of the 500 Festival for generations to come.”In the months since the onset of the COVID-19 pandemic, the 500 Festival’s staff and board of directors have closely researched and monitored the ever-changing conditions relative to public health. After a great deal of consideration by the 500 Festival’s board of directors and staff, the difficult decision was made to forgo producing its remaining in-person public events. While the 500 Festival’s events will not take place in-person, the organization will continue their nearly 65-year tradition of celebrating ‘The Greatest Spectacle in Racing,” the Indy 500, through a variety of virtual opportunities, programs, events and experiences. The 500 Festival will continue to add new virtual experiences and opportunities to its New Way to May webpage.2020 marks the 64th year of the 500 Festival and the IPL 500 Festival Parade, one of the organization’s original events. This is the first time in 500 Festival history that the organization’s traditional schedule of events will not take place during the days leading up to the Indy 500. Each year the 500 Festival produces nearly 50 life-enriching events and programs that celebrate the spirit and legacy of the Indianapolis 500 and positively impact on the city of Indianapolis and state of Indiana. More than half a million people are impacted by a 500 Festival event or program. Since its founding, the 500 Festival has contributed more than $500 million in economic value to Indianapolis.“We appreciate the overwhelming support of the community, our sponsors, the Indianapolis Motor Speedway and city and state officials throughout this process. We are in lockstep with our longtime partners at IMS and together, both organizations are united in our core focus of accomplishing the Indy 500. By removing the 500 Festival’s events from the public calendar, we are able to shift our efforts and resources towards making this year’s Indy 500 race a success. We are proud to continue our nearly 65-year tradition of supporting the Indianapolis Motor Speedway and ‘The Greatest Spectacle in Racing,’ the Indianapolis 500, however we can,” continued Bryant.The decision to forgo the remaining 500 Festival events in 2020 was made with the interest of the public’s health as well as the organization’s financial health. Proceeds from all 500 Festival ticketed events like the IPL 500 Festival Parade help support the organization’s free youth programming, which impacted 100,000 Hoosier kids in 2019. Due to the COVID-19 pandemic, the organization has faced a substantial financial hardship resulting from the cancelations of its in-person events. Despite these challenges, the 500 Festival remains committed to providing creative new opportunities to celebrate the Indy 500 and building upon the success of its new virtual experiences, like the Indianapolis 500 Mile Challenge.“While the days and weeks leading up to the Indy 500 won’t be the same without the 500 Festival’s lineup of community events, we appreciate the many unique challenges faced by the organization. The 500 Festival is one of the Indianapolis Motor Speedway’s longest and most dedicated partners and we are fully supportive of their decision. We’re looking forward to the Festival’s virtual celebrations leading up to the 104th Running of the Indianapolis 500 this August and we can’t wait to rejoin their community celebrations in May 2021,” said J. Douglas Boles, president of the Indianapolis Motor Speedway and 500 Festival board director.“For the last 13 years, Indianapolis Power & Light Company, an AES company, has proudly supported the 500 Festival organization and Indianapolis community by serving as title sponsor for the IPL 500 Festival Parade. Moving forward, our commitment to one of the nation’s largest, most respected parades remains unchanged. We value what the parade offers to Hoosiers and visitors who gather to experience larger-than-life floats, giant balloons, celebrities and other dignitaries, marching bands, entertainers and the 33 drivers competing in the Indianapolis 500. We support the decision to cancel the IPL 500 Festival Parade this year to protect the health and safety of our people, our community and visitors. We look forward to seeing spectators along the downtown Indianapolis parade route in 2021,” said Tanya Sovinski, IPL’s director of community relations and 500 Festival board director.Relevant details and options will be communicated directly to all 500 Festival event ticket buyers in the coming days. Details regarding any new virtual events for 2020 will also be announced as they are finalized and shared on the 500 Festival’s websites and social media. For more information about the 500 Festival and our programs and events, please visit www.500festival.com. WhatsApp Previous articleMan, 19, dead after shooting at Phillips 66 gas station in Benton HarborNext articleOne person injured in shooting at Linden & O’Brien Streets in South Bend Jon ZimneyJon Zimney is the News and Programming Director for News/Talk 95.3 Michiana’s News Channel and host of the Fries With That podcast. Follow him on Twitter @jzimney.
This Plymouth based initiative will scale up an already existing programme which identifies, trains, and places individuals, including neurodiverse candidates, those with special needs and those from disadvantaged backgrounds into a cyber security career.Michael Dieroff, CEO of Bluescreen IT said: This initiative based in Brighton looks to retrain veterans in cyber security, in particular focusing on women, neurodiverse candidates and BAME individuals.Neil Williams CEO of Crucial Group said: We at Crucial Academy are incredibly grateful for the support that the CSIIF provides. As veterans ourselves, we understand how programmes like this are invaluable in aiding the transition into civilian life. This support will help facilitate our continued commitment to veterans, women, neurodiverse and the BAME communities. We are extremely excited to be awarded this crucial funding for our collaborative initiative with Women’s Tech Jobs, the QA Cyber Academy for Women. It will have an immediate impact on beginning to address the diversity issues within the cyber security sector, and be an inspirational beacon to inspire the next generation of female cyberists. They will each jointly benefit from a total investment of at least £500,000 as part of the next round of the Cyber Skills Immediate Impact Fund (CSIIF).The aim of the Fund is to boost not only the total number, but the diversity of those working in the UK’s cyber security industry. It will help organisations develop and sustain projects that identify, train and place untapped talent from a range of backgrounds into cyber security roles quickly.Digital Minister Margot James said: Our cyber security industry is thriving but to support this growing success we need a skilled and diverse workforce to match. These latest projects show that whatever your background, ethnicity or sex, there are opportunities to join the cyber security profession. We want to demonstrate that you can have a dynamic and exciting career in a sector that sits at the heart of our economy, and is a key part of our modern Industrial Strategy. This project based online will develop a portal allowing for an increased number of people to be trained and then engage with employers.CEO Jennifer Arcuri from Hacker House said: This project running in London, Bristol, and Manchester will train and place a cohort of women into cyber development job roles within industry.An additional cohort will also be trained in Birmingham as part of the West Midlands Combined Authority Skills Deal.Lisa Harrington, Managing Director QA Learning said: Hacker House Ltd: Hands on Hacking, Training and Employer Portal Blue Screen IT: HACKED QA: Cyber Software Academy for Women BluescreenIT are extremely proud to be chosen as one of the lead organisations to deliver real social impact through our Hacked Cyber Hub initiative. The project aims to build a network of UK community Security Operations hubs across the UK, which will engage and service the local community and businesses with cost effective cyber security services. These hubs will increase the employment of IT professionals through Cyber and digital apprenticeships, reducing the growing skills gap across all sectors. Crucial Academy: Diversity in Cyber Security Cyber skills play such a vital role in the development to the digital economy and its fantastic to see the UK government make it such a priority. The team of Hacker House are thrilled to be included in the funding of this grant as this allows us the opportunity to continue to develop content that trains and enable candidates to retain practical skills needed for roles within information security. The projects receiving funding are: Notes to Editors The CSIIF pilot was launched in February 2018 and was open to initiatives delivered in England. Seven initiatives were identified for funding from the National Cyber Security Programme – more detail can be found here. This Fund is one of a range of initiatives designed in support of the National Cyber Security Strategy’s aim of developing a sustainable supply of home-grown cyber security talent in the UK. The Fund is open to organisations such as training providers and charities, who can demonstrate their initiatives are not designed to fill internal vacancies, but rather service a range of employers. The expanded CSIIF gave additional weighting to initiatives that demonstrate a commitment to placing more women into cyber security roles.
Laurence Golborne was working in relative obscurity as Chile’s mining minister in August 2010 when a mineshaft collapse thousands of feet below ground in a remote corner of that country catapulted him into the international spotlight.The subsequent 69-day operation that Golborne led to rescue 33 trapped miners made him famous around the world.It also provided “a leadership lesson for the ages,” Harvard University President Drew Faust said Monday in welcoming Golborne, now minister of public works, as he spoke on public policy, leadership, and crisis management at the John F. Kennedy Jr. Forum at Harvard Kennedy School.Faust met Golborne during an official visit to Chile with Harvard Kennedy School Dean David T. Ellwood last spring. She said she knew then that Golborne had to come to Harvard to share his story.But, as Golborne reminded the audience, it was a story that could have well ended differently.“Essentially, a crisis happens when all the rules fail,” Golborne told the audience. Accompanied by a slideshow, with vivid images of the rescue operation, Golborne reminded the audience that crisis and government are a potential mismatch.The usual procedures of government, which requires slow, deliberate action, can be incompatible with a situation that is unexpected, is unique, requires urgent response, and has no textbook answers.“This is the scenario in which leadership takes on a complementary role,” Golborne said.Golborne said the ability to manage a lot of pressure was key over the first 17 days, during which the rescuers faced disappointment and frustration. The teams Golborne assembled had to deal with family members, the media, and the vast technical difficulties of the rescue itself. Then came the famous note, attached to a drill that had been used to reach the trapped miners, announcing that they were alive and well.“Many, many things had to go right for those 33 miners to be rescued, and those things did go right,” said Herman “Dutch” Leonard, Baker Professor of Public Management at the Kennedy School and an authority on crisis management, who introduced Golborne. “It’s a huge credit to the people involved, who in completely novel circumstances managed to learn their way forward into a whole new paradigm for mine rescue.”Why did the rescue mission succeed? There were three key elements, Golborne said: team building, hard work, and motivation; the need to risk failure in order to succeed; and an understanding that complex problems have no simple solutions.Asked by an audience member why he had entered, and stayed, in the public sector, Golborne remembered that he was hesitant when he was first asked to join President Sebastian Pinera’s government. He said his wife persuaded him.“You always say that someone has to do something, you always say that our country needs a lot of things,” his wife told him. “Well, who is going to do it? Why don’t you go to help?”“I have to confess that every day I feel like I made the best decision of my life,” he said.The event marked the beginning of Harvard Kennedy School’s annual Public Service Week. That will serve as the kickoff for Harvard’s Global Month of Service, which begins April 1.Harvard President Drew Faust welcomed Golborne, who she had met during an official visit to Chile with Harvard Kennedy School Dean David T. Ellwood last spring.
For a small number of Notre Dame students, taking classes at Saint Mary’s is a normal part of their daily schedule. Junior John Brahier, who is majoring in mathematics at Notre Dame and pursuing a secondary education minor at Saint Mary’s, said he has taken several required courses for his minor at Saint Mary’s. “I’ve taken a number of classes at SMC, all part of my secondary education major,” Brahier said. “SMC has the education program I was looking for, so when I graduate, the plan is that I’ll have both the secondary education minor and a license to teach.” Junior Madeline Swan, who is a math and sociology double major, also has a secondary education minor at Saint Mary’s. Swan said the small class sizes, good learning environments, and caring professors are instrumental to her success at Saint Mary’s. Her experience at Saint Mary’s has helped her move past common prejudices held between female students at Notre Dame and Saint Mary’s, Swan said. “The professors have been awesome and I have met some truly great classmates,” Swan said. “Also, this has helped me break down stereotype barriers for me that are typically present between SMC and ND girls.” Brahier said it was initially difficult to be the only male in many of his Saint Mary’s courses, but the transition has gotten easier with time. “It was a big difference for me at first because I came from an all-guys high school, so to go to classes of almost all girls was a pretty big change,” he said. “Obviously there was a bit of an adjustment period at first, but it’s not really a big deal in the long-run.” Brahier said his decision to enroll at Saint Mary’s was due to Notre Dame not offering the education training he wanted. “My plan after graduation is to teach math in a high school, but Notre Dame doesn’t have an Education Department that directly prepares students to be teachers and helps with the licensing process,” he said. Brahier said taking courses through the education department at Saint Mary’s has been a positive experience and his professors take an interest in student success. “The Education Department at SMC has sponsored some really cool events related to social justice in education and is a big proponent of service-learning,” Brahier said. “By and large, the faculty I’ve worked with at SMC have been great – they seem to really care about each student and want us to do our best. In general, I think that’s definitely true at Notre Dame as well.” Notre Dame students enrolled in Saint Mary’s classes are assigned a Saint Mary’s advisor in addition to their advisor at Notre Dame, Brahier said. His Saint Mary’s helps him choose his courses and build his schedule, he said. Brahier said he works with his two advisors separately. “If I have a question about education classes, I have to go to the SMC advisor,” he said. “For math or theology, I go to my advisor from each of those departments at ND.” He said his courses at Saint Mary’s are determined by his major requirements, so he meets with his Saint Mary’s advisor regularly and registers for courses in person. “Registration for my classes at SMC is relatively straightforward because I have a pretty set list of classes that I have to take, so basically I just meet with my advisor over there on a regular basis to make sure I stay on track from semester to semester,” Brahier said. “I don’t do any online registration for those classes – instead, it’s all through contact with my advisor.” Swan said she feels fortunate to have the opportunity to study at both institutions. “I’ve discovered how lucky I am to get the change to participate in such a great education program as an ND student as well as collaborate and learn from some great Saint Mary’s students,” she said. Brahier said the combination of classes from Notre Dame and Saint Mary’s has also been rewarding for him. “Both schools definitely are focused on their identities as Catholic schools, and both schools have a sense of purpose and mission,” he said. “My favorite part of the secondary education minor at SMC has been getting to work with the faculty that is so passionate about preparing us to be great teachers. Their staff is dedicated and wants us to do our best, and studying in that incredibly positive atmosphere has been very rewarding.”
Most ATM operators say they’re experiencing more ATM attacks and fraud in the last 12 months, but opinions about how to fight back appear mixed, according to new data from the ATM Industry Association (ATMIA).The trade group’s survey found that 58% of respondents said physical ATM security breaches and ATM fraud incidents increased over the last year, and 59% said fraud attacks in particular have increased. In 2016, those numbers were just 42% and 43%, respectively.ATM Theft Battles ContinueMore than two-thirds (67.35%) of the respondents in the ATMIA survey said that in the last 12 months they experienced ATM thefts using vehicles, and over half (57%) experienced ATM theft via other means. About half or more of the respondents said these types of thefts remained constant or increased over the year. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » With 225,000 jobs gained last month, NAFCU Chief Economist and Vice President of Research Curt Long said the report was “a good one,” noting “sturdy job gains and rising rates of labor force participation.”“The overall participation rate climbed to its highest level since 2013, and the prime-age participation rate increased by a full percentage point over the past six months,” said Long in a new NAFCU Macro Data Flash report.Private-sector payroll employment increased by 206,000 jobs during January, with the goods-producing sector adding 32,000 jobs, while the service sector increased 174,000 jobs.Also of note, the unemployment rate rose 0.1 percent to 3.6 percent, despite the rise in labor force participation.
Crump tells CBS: “We don’t understand how that is not first-degree murder.”According to the complaint, Chauvin had his knee on Floyd’s neck for eight minutes, including nearly three minutes after he stopped moving and talking. Officer Derek Chauvin, 44, was charged last week with third-degree murder and second-degree manslaughter, which are filed in cases of unintentional death. Chauvin also was accused of ignoring another officer who expressed concerns about Floyd, a black man, as he lay handcuffed on the ground. WASHINGTON (AP) — George Floyd’s family attorney Ben Crump says he thinks more serious murder charges should be filed against the white Minneapolis police officer who pressed his knee into Floyd’s neck as he begged for air. Crump says he believes there’s enough evidence to show the officer’s actions were premeditated. An autopsy said the combined effects of being restrained, potential intoxicants in Floyd’s system and his underlying health issues, including heart disease, likely contributed to his death.
Still growing! Candace Cameron Bure opened up about how her relationship with husband Valeri Bure evolved during the quarantine caused by the coronavirus pandemic.“It totally tested us but in the best of ways,” the actress, 44, exclusively told Us Weekly on Wednesday, November 4, while discussing her partnership with The Salvation Army. “I’ll be honest because we try. We both travel so much. So we were like, ‘This might be the most amount of time we’ve actually spent together in years. This is either going to make us or break us.’ And you know what? It’s made us.”Valeri Bure and Candace Cameron Bure. Richard Shotwell/Invision/AP/Shutterstock- Advertisement – Candace noted how thankful she was for the extra time with Valeri, 46. “So many things are put in perspective just being at home, and then you talk through a lot of things and you realize, ‘What are the things we have to work on? What are the things that are working well?’” she explained. “I’m really grateful that it’s the one thing that I can look at 2020 — as crazy as this year has been and difficult — and I’m so grateful for my family time because I’ve reevaluated my work schedule, the time that I’m away from my family, and realized that that was not a good balance for me. So I’m thankful that it happened in that way because it’s made our relationship stronger.”The couple tied the knot in June 1996 and are parents of daughter Natasha, 22, and sons Lev, 20, and Maksim, 18.The Let It Snow actress got real earlier this year about how her family dynamic shifted during the quarantine. “I started 2019 off as an empty nester and now I’ve got a full house again,” she told Us in April. “I am very happy that I have my kids home and spending time with my husband too. Because a lot of times we’re like two ships passing in the night with our work schedule. So that part has been the biggest blessing for me.”- Advertisement – “They do so much good work throughout the year, and this year, because of the pandemic and COVID, things are different,” she told Us on Wednesday. “You always see around the holidays the red kettles and the Red Kettle Campaign supports so much of Salvation Army’s work that they do through the year — helping families in need through shelter and food and job training and daycare. And this year, because we’re not out as much, we’re not out and about, those kettles are gonna suffer. So we’re asking everyone to go to rescuechristmas.org and donate there or drop a few dollars in when you do see the red kettle or set up a monthly donation. They’re expecting 155 percent more families will be in need this holiday season.”With reporting by Christina GaribaldiListen to Us Weekly’s Hot Hollywood as each week the editors of Us break down the hottest entertainment news stories! The Fuller House alum emphasized that she had “incredible” conservations with her brood while detailing other activities they did to pass the time at home. “We’ve been taking lots of walks and playing lots of board games and we’re in sunny California. We have a pool and we’ve been enjoying that too because the weather’s been nice,” she said. “It’s just been concentrated family time [with] lots of cooking and eating.”Now, Candace has partnered up with The Salvation Army for the third consecutive year to help millions in need during the holiday season.- Advertisement – – Advertisement –