Lets Swap is a mutual exchange, or home swapping service, for residents of housing associations like the Accord Group, across the West Midlands.

Developed by the WMBUS (West Midlands Best Use of Stock) partnership, the service allows people to advertise their homes, search for a swap and then apply online.

Simple and easy to use, the self-help service, which can be found

at lets-swap.org, features hundreds of homes managed by 21 housing associations and councils.

Emma Stone, Mutual Exchange Facilitator for the Accord Group, said: Many of our customers are looking to downsize as a result of the Bedroom Tax and Lets Swap is an ideal way to do this.

You can search via area or for how many bedrooms youre looking for, making it a quick and

easy way to search for homes and then swap.

The site is also perfect for people looking to upsize and with homes from 21 housing associations and councils across the West Midlands there is lots of choice.

For more information about mutual exchanges and the Lets Swap service, contact Emma Stone, Mutual Exchange Facilitator, on 0300 111 7000 extension 7311 or email estone@accordgroup.org.uk

People in the West Midlands who want to swap their homes for larger or smaller ones can now do so using a brand new service.

Service offers new way to swap homes

Last chance to nominate aGreat ResidentIf you havent already, you still have time to nominate a neighbour or fellow resident for a Great Resident Award. The closing date is Friday, 18 October and the awards celebrate the achievements of residents from across the Accord Group over the last year.

The winners of the annual Great Resident Awards will be revealed at an awards ceremony in November, with the winners published in the December edition of Our House.

Categories include, Resident Group of the Year, Best Newcomer and Lifetime Achievement. To see the full list of eight categories and download a nomination form go to accordgroup.org.uk

To nominate, call the Resident Engagement team on 0300 111 7000 extension 2014 or email reteam@accordgroup.org.uk

In this issue... Accord Group resident newsletter October, 2013

Your Group, your news @theaccordgroup facebook.com/accordgroup youtube.com/theaccordgroup

Our HouseFundraising hit!Whats cooking at

Holiday Kitchen?Skills swap success

Summer picture special

p10p6p5p3

OUR NEW MAGAZINE FOR YOUNG PEOPLE.

CHECK IT OUT INSIDE.

LIKE US ON FACEBOOK

AND WIN 50!See back page

for details

Hello and welcome to the October edition of your quarterly newsletter, Our House.

We hope that youve had a lovely summer and enjoyed the warm weather. Maybe youve even come along to one of the events held by your housing association?

From fun days to trips to the seaside, theres been plenty to get involved in. You can see photos from some of the events in our photo special on page 10.

If youre looking for work and need a helping hand, weve also got some top tips on bouncing back from a job rejection and information on jobs and skills coaches who can offer support and advice, all on page 6.

While on page 9, you can find out all you need to know about opening a bank account, from the difference between a current and basic one to how you can apply.

We are also really pleased to unveil our new, twice-yearly supplement especially for 12-18 years old, The Mix. We really hope you like it!

And finally, dont forget to send your views about any articles in the newsletter to me at clairemo@accordgroup.org.uk or write to Our House C/O Claire Morrall, Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG.

I would like to pass my thanks onto Greenscape. Every time they come down to Cwerne Gardens they leave the grounds looking beautiful. My neighbours work really hard, every day of the year, to keep the grounds looking good too and I think George, Lynne, Bob, Sharon and Beryl in particular deserve a mention in this newsletter. The grounds of Cwerne Gardens are beautiful, an absolute marvel!

Mr. D Powiss, Lower Gornal, Dudley

Thank you for your comments Mr Powiss. We popped down to Cwerne Gardens to take a photo and show our readers just how nice your gardens are.

Id like to say a huge thank you to all the residents, their friends and family, who attended the Caldmoreaccord day trip to Llandudno on the Conwy coast. It was a lovely day and weve had lots of positive feedback from residents to say how much they enjoyed it. Id now really like residents suggestions on where they would like to go for next years trip, which is planned for 9 August, 2014. Once I have these, a shortlist will be drawn up which will be put to a vote. If you do have any suggestions, please email me at nazir.ahmed@caldmoreaccordha.org.uk or call 01922 728235.

Nazir Ahmed, Resident Engagement Officer, Caldmoreaccord

Hello!

Claire

Facebook snapshot what youre talking about

s Representatives from the Pattern Gardens TMO visited the Accord Groups LoCaL Homes factory this week to see where the homes that they live in are manufactured.

s Ive just received your Accord Group mag through the post, only to open it up and see two of my photos I sent you in it! Thank you, its made my day.

s A residents trip that was arranged by a resident himself for his neighbours has gone down a treat on the Severn Valley Railway. John Williams, of Stephenson Place in Bewdley, sorted out the free trip for many of his fellow residents and their guests.

October, 20132

Your GROUP

THE MAILBAG

Our HOUSE

0300 111 7000

clairemo@ accordgroup.org.uk

accordgroup.org.uk

/accordgroup

@theaccordgroup

/theaccordgroup

Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG

Get in touch...

October, 2013 3

Your NEWS

Our HOUSE

Home sweet home - first families move into new homes

The first families of a new housing development in the heart of West Bromwich town centre have moved into their new homes.

Managed by Caldmoreaccord, the homes are made up of high-quality three and four-bedroom houses and apartments for affordable rent and sale.

The first lot of homes was completed in July, with Mr Shalikur Rahman and his family amongst one of the first to move in.

The whole development, which is situated off Overend Street, is set to be completed by July next year.

Alan Yates, Executive Director of Regeneration at the Accord Group, said: Its great to welcome the first families to Urban 180 and hear first-hand how happy they are in their new homes.

For more information about Urban 180, or to register interest in purchasing a home there, visit accordgroup.org.uk/homes

Holiday Kitchen cooks up help for 3,000

People with dementia in the Black Country are being invited to take part in a pioneering project to develop technology which will help them around the home.

The Accord Group is one of just a handful of organisations chosen to carry out the research as part of the PIA (Personal IADL Assistant) project.

Dementia specialists will interview people in Walsall, Sandwell and Dudley with early onset dementia in a bid to

understand the struggles they face around the home.

The findings will then be used to develop and trial a smart touch-screen system that will help people with dementia to carry out day-to-day tasks, like washing clothes or cooking, using video clips.

If you have early onset dementia, or other memory problems, and would like to take part in the research, call Angela Causton on 078760 34592 or email angelac@accordha.org.uk

Nearly 3,000 pack-lunches were provided to children in Birmingham over the school holidays as part of a project run by Ashram Housing Association.

Ashram gave out the lunches to children taking part in holiday activities across East Birmingham, including the Bordesley Green Pod, as part of its successful Holiday Kitchen project, which you may have read about in a previous edition of Our House.

As well as providing packed lunches, children who took part in the project based at the Wildlife Trust Eco Park in Bordesley Green, also got to do fun outdoor activities like pond dipping, going on mini beast hunts and building campfires. The Holiday Kitchen project was funded by Children in Need.

People with dementia to help develop pioneering technology

Holiday Kitchen

Shalikur Rahman (left) outside his new home at Urban 180

October, 20134 Our HOUSE

Health and Wellbeing

Your GROUP

Help at hand for young carersAre you aged under 18 and help to look after someone in your family who couldnt manage without your help? At Walsall Young Carers you, and your family member, can get help and support with any problems that you may have.

For more information, contact Walsall Young Carers on 01922 610 810 or email info@walsallcarers.org

Kettle on for support at cafes People who have a family member with dementia are being invited to come and have a coffee with us at one of our cafes.

Held monthly, the Accord Groups free Dementia Caf support groups are open to anyone living in Sandwell and Walsall that has, or cares for someone, with dementia.

Each caf, which lasts for two hours, is friendly and comfortable and there are lots of opportunities to socialise and get information and support.

The cafs are run in collaboration with organisations including The Kaleidoscope Plus Group, Options for Life, West Bromwich African Caribbean Resource Centre, BUDS and Age UK Walsall.

For more information about the dementia cafes, call Janine Hayes on 07557153571 or email janine.hayes@accordha.org.uk.

Beef and vegetable pieWith the colder months just around the corner, this twist on a traditional winter warmer of a recipe is sure to keep you snug. Ingredients 750g minced beef or lamb 1 onion (finely chopped) 2 cloves of garlic peeled and crushed 1 chilli pepper 2 tablespoons of curry powder 2 red peppers diced (deseeded) 250g green beans cut lengthwise 1 carrot diced 6 tablespoons of tomato puree 200g passata 350g of natural yoghurt 4 eggs Coriander (chopped)

Preparation method1. Preheat oven to 160 degrees/gas mark 4. Place cooking oil or oil spray into a frying pan, add mince, cook until brown. Dont allow to stick. Add onions, stir in and soften. Add garlic, chilli, curry powder, red peppers, green beans and carrots then stir fry for three minutes.

2. Remove pan from the heat and stir in the passata and tomato puree. Place the mixture into a shallow Pyrex dish and press down well.

3. Beat eggs with yoghurt, stir in chopped coriander and add salt and black pepper, pour the mixture over mince mixture evenly. Cook in oven for almost 50 minutes until golden brown. Serve with a mixed salad, preferably a leafy one and garnish with sliced tomato.

Recipe provided by Ashram Housing Association resident Claudette Bonnett. If you have a recipe to share with readers, call Editor Claire Morrall on 0121 500 2340 or email clairemo@accordgroup.org.uk

RecipeHealthy eating programme passes the taste test

A free healthy eating programme has been given the thumbs up by residents who got to taste nutritious meals from across the globe.

Claire Robinson and Esther Jarman were just two of the people who attended a five-week course run by Caldmoreaccord and Walsall NHS to promote healthy eating.

Esther, who lives in Darlaston, said: I fully enjoyed the course. My daughter even came to one session with me.

Claire, also from Darlaston, added: Ive taken on board some very useful tips, hints and advice on how to cook healthy meals which I can pass onto my children and encourage a healthier diet and lifestyle.

Ran throughout July, the programme covered different food groups, the importance of having a balanced diet, portion sizes, different types of fat and reducing sugar and salt.

Also on the menu were interactive cooking sessions featuring dishes from Europe, the Caribbean, Asian and Africa. To find out more about healthy eating visit: www.nhs.uk/livewell/healthy-eating

Angela Causton (centre) from Accord Group serves up refreshments at a caf

Claire Robinson (right) and Esther Jarman (left)

October, 2013 5Our HOUSE

Your NEWS

Mental health disorders affect nearly 12 per cent of

the worlds population.

Anxiety is the most common mental disorder in the UK. nine per cent meet

the criteria for diagnosis.

One in four British adults experience at least one

diagnosable mental health problem in any one year

Depression affects one in five older people living in the community and two in five living in care homes.

One in 10 young people aged five-16 suffer from a diagnosable mental health

disorder in the UK.

Children find their voice for fundraising song

What is Nissa Ashram?

Nissa Ashram is a housing scheme for women who have mental health concerns. It is made up of 10 self-contained apartments, a communal lounge and kitchen and a large garden.

Where is it?

The scheme is in Sparkhill in Birmingham and is close to the many shops and restaurants on the Stratford Road, as well as other local amenities like places of worship and doctors surgeries.

Can I live there?

The scheme is specifically for women who have mental health issues which require some support. If you think this applies to you, or a family member, then call Roshan Sandhu on 0121 764 3822 who can provide more details and talk you through the referral process.

SPOTLIGHT ON

Nissa

Think you know about mental health?On the 10 October, it will be World Mental Health Day. It may surprise you to know that one in four people will experience a mental health problem in any given year. Here are five other facts from the health and well-being charity, The Kaleidoscope Plus Group, that you may not know about mental health.

12% 1 in 4 9% 1 in 5 1 in 10

New service for people with dementia A new service to help people with dementia to cope with their condition has been launched in Staffordshire.

The Peer Support Project teaches self-help techniques to people with dementia, and their family carers, to help them feel safe at home.

Around 11,000 people in Staffordshire have dementia, with two thirds living at home and being cared for by a carer or family member.

The support group meets every Monday from 1.30pm-3.30pm at Brew House, Union Street, Burton-Upon-Trent, Staffordshire, DE14 1EB.

For more information, call Janine Hayes on 0300 111 7000 or 07557153571 or email janine.hayes@accordha.org.uk

A moving song written and performed by children from an Ashram Housing Association refuge has been released for sale on iTunes. Called You and Me, the poignant song has been launched to raise awareness of the impact domestic abuse has on children. Featuring the voices of 10 children, the track - which is available to buy for 79p - includes lyrics about what its like to be a child witnessing domestic abuse. All money raised from the sale of the single will go towards providing educational and therapeutic services for children living at the refuge. If you are experiencing domestic abuse and want to talk to someone at Ashram Housing Association, call 0121 764 3817.

Refuge Manager Sahdaish Pall (centre) at the launch of the You and Me song

October, 20136 Our HOUSE

Jobs, Skills and Training

Your GROUP

Didnt get that dream job? Dont let it get you down. Mike Rogers, Social Innovations Worker at Fry Housing Trust, gives his five top tips for bouncing back from a rejection.

Dont let rejection get you down. Whatever your chosen career you are going to get rejected at some stage and most likely at the beginning. View every no as one step closer to a yes.

Try and find out who did get the position and why. You will feel much better if you discover that the candidate who beat you did so because of factors that were completely beyond your control like personal connections and experience.

Think about what went right and wrong in the interview. Were there any responses you gave that got a really good reaction? Keep using those. Were there any that got a negative response? Refine these so you go into your next interview with even more confidence.

Address the issues for not getting the job. If it was a poor interview ask your local jobs and skills coach for a mock interview session. If it was lack of knowledge or experience, then speak to your local jobs and skills coach about work placements or volunteering opportunities.

Take time out. Not getting a job that you wanted is never easy. You will have good days and bad days. There is nothing wrong with allowing some time to heal.

Skills swapping scheme boosts community spirit

A unique skills swapping scheme that was the first to be launched in Walsall a year ago is being credited with boosting community spirit.

The Time for Real time bank, run by Caldmoreaccord, allows people to exchange a host of skills free of charge. For every hour that someone spends doing a task, such as gardening or dog walking, they get an hours worth of work from another member of the community.

Based at the Village Hub in Caldmore, the time bank has 64 members who to date have exchanged 453 hours and offer over 90 different skills. Dewitt Palmer is one of the people who volunteers at the time bank in exchange

for help maintaining his garden.

He said: Im a wheelchair user and before I joined the time bank I hadnt been out in my garden for six years. It was very overgrown but I couldnt maintain it myself and I didnt know who to ask for help.

Now I volunteer at the time bank and offer computer skills in return for mowing my lawn and getting rid of weeds. I think there are lots of people out there that want to help but they dont know how, the time bank makes it easy.

For more information about the Time for Real time bank, or to register your interest in joining, call Tina Dalton on 01922 705 280 or email Tina.Dalton@caldmoreaccordha.org.uk

Dewitt Palmer (right) believes that the time bank makes it easy to help people

October, 2013 7Our HOUSE

Your NEWS

Meet your jobs and skills coachesDid you know that if youre struggling to find work we have jobs and skills coaches available to help? They can give advice about applications, CVs, interview techniques and loads more to help you on the path to employment.

Rachel Perks Ashram, bchs and Moseley and District

Tel: 0121 764 3823 Email: rachel.perks@ ashramha.org.uk

Mike Rogers Fry Housing Trust

Tel: 0121 559 6406 Email: michael.rogers@fryha.org.uk

Jill Sargeant or Samantha CookCaldmoreaccord

Tel: 01922 705282 Email: jill.sargeant@caldmoreaccordha.org.uk or samantha.cook@caldmoreaccordha.org.uk

Hazel LengdenRedditch Co-operative Homes

Tel: 01527 591170 Email: hazel@rch.coop

HOW I BECAME A

by RACHEL SEALEY

Board Member

LATEST VOLUNTEERING VACANCIES

Just the job

We offer scores of volunteering placements across the Midlands in a host of different roles. Check out the latest ones on offer below. For more information about volunteering, call Irene Casserley (pictured), Group Volunteer Services Manager, on 01922 728 203 or email irene.casserley@caldmoreaccordha.org.uk

Looking for a job? Then check out the latest vacancies on offer at the Accord Group. To apply for any of the vacancies listed below, visit accordgroup.org.uk/vacancies and follow the link to the careers portal. Please note that applications via any other method arent accepted. For more information, call the Resourcing and Talent team on 0300 111 7000.

Birmingham and Coventry

Allotment Gardener (Edgbaston) Activity Co-ordinator (Harborne) Escort to church service (Shirley) Activity Co-ordinator (Sparkbrook) Activities Volunteer (Coventry)

Sandwell, Walsall and Wolverhampton

Dancing Activity Volunteer (Sandwell)Support Assistant (Sandwell)Escort for football matches (Great Wyrley)Cook (Darlaston)Arts and Crafts Volunteer (Darlaston)

Ive lived at Riverside Co-operative for 11 and a half years but I havent always got involved in the running of it. Not long after I moved in, I fell ill and struggled to attend the co-operative meetings.

Over the last few years though, things have changed. I started volunteering as a Lettings Officer at Redditch Co-operative Homes and my confidence rocketed.

As part of the role, I help to interview potential co-operative members, fill in various forms and make telephone calls.

Id never done any office work but now, thanks to volunteering at Redditch Co-operative Homes, Ive got a part-time job as an office administrator at a local company.

Last year, I was also nominated as Chair of my co-operative and as a Board member for Redditch Co-operative Homes. At first I was really nervous

about taking on the two roles but its been great.

The Board meets every quarter and is made up of different co-operative members and staff from Redditch Co-operative Homes. Councillor Bill Hartnett chairs the meetings and we discuss reports and can ask questions.

Its really increased my confidence and if theres some jargon that I dont understand Hazel, Lindsey or Nathan from Redditch Co-operative Homes are always on hand to explain.

Ive only been a Board member for a year but Id really like to be nominated again. Its really helped improve my confidence and opened up a whole new world to me.

n Senior Personal Care Assistant (days/nights) in Telford (closing date 17 October, 2013)

n Zero Hour Care Assistant(s) in Chelmsley Wood

n Homecare Personal Care Assistant(s) in Solihull

n Personal Care Assistant(s) in Coventry

Vacancies on offer

Making it count with CassandraCassandra Lewington is the Money Advisor for Ashram Housing Association and Moseley and District.

Since I became the Money Advisor for Ashram and Moseley and District in April, Ive received over 70 enquiries from residents.

The help Ive given has ranged from support in filling in application forms for benefits to situations where, because of an emergency, a resident has been left with no money.

I often visit people in their homes to see how I can help them at a time that is convenient for them. Well talk about what is worrying them in regards to managing their money and the help that is available.

Ive had positive feedback from the people Ive helped so far but Im always looking to improve the service and will be sending out surveys for your comments and suggestions.

The changes to welfare benefits are having a huge impact on peoples lives. If I can help, sometimes albeit in a small way, then the impact on a resident can only be positive.

If you feel you may benefit from the service and youre a resident of Ashram or Moseley and District, then speak to your housing officer or contact me directly on 0121 442 5017.

October, 20138 Our HOUSE

Money Management

Your GROUP

What does your job involve?

I help customers to look at their household income and support them to maximise it and reduce any rent arrears that they may have.

Which areas do you cover?

I work with customers of Moseley and District throughout Birmingham. This includes Kings Heath, Moseley, Edgbaston, Kings Norton, Sparkbrook and Sparkhill.

How long have you worked in your current job and what did you do before?

Ive been an Income Officer at Moseley and District for just four weeks. Before then, I was Head of Income for Charnwood Borough Council.

What do you enjoy about your job?

I really enjoy providing a good customer service and offering advice and support. I also like sign-posting customers to internal and eternal agencies, where appropriate, so that they can get even more help and support.

How can I contact you?

Call me on 0121 449 5041 or email me at email colin.muir@moseleyha.org.uke

SIX QUESTIONS FOR

Income Officer at Moseley and District

Colin Muir

Quick and easy way to pay your rentDid you know that you can now

pay your rent 24 hours a day, seven

days a week?

All you need to do is request a rent

payment card, call our Customer First

contact centre on 0300 111 7000 and

choose the automated option to pay

your rent.

Youll then be directed to AllPay, where

you can quickly and smoothly pay

your rent using automated options.

Using your rent payment card means

that you dont have to repeat all your

bank details each time you need to

make a payment.

If you have an Android Smartphone

you can also download an app to pay

your rent from your phone. Just visit

allnetpay/allpay-payment-app.co.uk

For complete piece of mind, why not

set up a direct debit to pay your rent.

For more information on how to do

this, speak to your housing officer for

more information or call

0300 111 7000.

Cassandra Lewington

Money Advisor

Is there enough help to get onto the property ladder?

BULLYING and what to do if youre experiencing it

SAY NO TO DEBT New project tells you how

GOT A BUSINESS IDEA? Win a chance to fly to Holland to hone your business skills!

A NEW SUPPLEMENT FOR YOUNG RESIDENTS OF THE ACCORD GROUP October 2013

BROUGHT TO YOU IN ASSOCIATION WITH

this time in

Welcome to the first edition of The Mix. This twice yearly magazine is especially for young people aged 12-18 and features all the news and views that matter to you.

In this edition, youll find news about a brand new service just for young, first-time social housing residents. The service, called Pay Ahead, Stay Ahead, helps you to manage your money, keep out of debt and away from loan sharks. You can read more about it on page 3.

Bullying can have a huge effect on a young persons life and can on occasion, lead to devastating consequences. Young reporter Amy Hedgecock explores the topic on page 3.

Theres also a fun quiz and reviews on page 4 to keep you entertained this month.

Lastly, if you have any views on the magazine get in touch with us. You can email clairemo@accordgroup.org.uk, leave a comment on facebook.com/accordgroup or tweet us @theaccordgroup

Happy reading!

0300 111 7000

clairemo@accordgroup.org.uk

accordgroup.org.uk

/accordgroup

@theaccordgroup

/theaccordgroup

Accord Group, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG

Get in touch...

Theres not enough social housing and the private sector is too expensive. One thing that could be done is to make renting an easier and cheaper option by introducing rent caps.

Imy, aged 23, from Small Heath

Current deposit schemes are welcome but need to go further and also cover older houses if we are really going to get young people to buy their own home.

Andrew, aged 24, from Kings Heath

In current economic times, its hard for anyone to get on the property ladder, let alone a young generation of which over one million are unemployed.

Sunjay, aged 18, from Tamworth

Getting onto the property ladder seems like a pipe dream for me. I think banks and building societies need to do more to help out young people who are struggling to get together a deposit.

Sam, aged 19, from Knowle

All my friends are either living with their parents or renting. I dont think theres adequate support for young people who have questions about housing issues. Young people need to be given much better education about the housing market.

Tom, aged 25, from Sutton Coldfield

IS THERE ENOUGH SUPPORT TO HELP YOUNG PEOPLE GET ONTO THE PROPERTY LADDER?

W

E WANT YO

U

Is there an issue that you want to shout about? Maybe its something that is happening in your community, on your

doorstep, or a topic that youre really passionate about? Then why not get

involved in this magazine? Send your ideas for articles to Claire Morrall by emailing

clairemo@accordgroup.org.uk or call 0121 500 2340.

Debt adviceBullying

Social Breakfast is a social enterprise that supports young people to influence positive change. It works throughout the West Midlands, helping young people build the confidence and skills they need to have a greater say in decisions that affect them.

Andrew Mullinex, Community Organiser at Social Breakfast, said: Our most exciting project at the moment is We Are The One Mil, which captures the identity of young people in Birmingham. If you visit socialbreakfast.org you will see blogs, pictures and videos from people across the city on issues including crime, football and good music venues. You can send your snapshot of Birmingham to us via the website, by tweeting us @SocialBreak or by using the hashtag #wearetheonemil on Instagram.

For more information, or to get involved in Social Breakfast, visit socialbreakfast.org

Pocket the right advice to say no to debt In a survey about debt, Citizens Advice found that most people owe between 1,000 and 20,000, with a staggering one in 10 owing more than 30,000.

Managing money successfully is hard work and it can be easy to slip into debt. It can be especially tricky for first-time tenants who havent experienced juggling household bills and rent before.

Luckily a new service has been launched to help young people in Birmingham to manage their money, stay out of debt and away from loan sharks.

Called Pay Ahead, Stay Ahead, the service, for 16-24 year olds, combines online advice with workshops and one-to-one support.

Emma Wright, Pay Ahead, Stay Ahead Programme Manager, said: If you live in Birmingham, are aged 16 to 24, and are in the first six months of your first tenancy, then we can help.

We offer a training programme to look at budgeting and financial issues in more depth and a green doctor can visit your home to see how you can make it more eco-friendly and therefore cheaper to run.

Want to find out more about Pay Ahead, Stay Ahead? Then speak to your housing officer, who will guide you through the 20 minute sign-up process. You can also follow Pay Ahead, Stay Aheads online Twitter campaign @socialbreak

Left out by my friends -the truth about bullying According to isafe.org, about 77 per cent of students have admitted to being the victims of at least one type of bullying.

Most people experience some form of bullying in their lifetime. So in this issue, we felt it was important to explore the issue. Young reporter Amy Hedgecock spoke to one young person, who wished to remain anonymous, about their experience of bullying.

Tell me about your experience of being bullied? I was laughed at, threatened and left out by my friends. It was one of the worst experiences of my life.

How did you deal with it?I spoke to people about it; other friends and my family. It felt good to let it all out. A problem shared is a problem halved.

Do you have any advice for people who are being bullied?Just remember that youll get through it. It wont carry on forever. You wont know the people forever.

If you are being bullied and want help, call ChildLine on 0800 1111 or visit childline.org.uk.

WHAT IS...

Reviews by Amy Hedgecock

MUSIC

I V, The 1975BOOK

The Fault in Our Stars

FILM

This Is Us

IV is the third EP from alternative, indie rock band The 1975. It contains four tracks: Haunt // Bed, So Far (Its Alright), Fallingforyou and The City; which charted in the UK and received airplay in several countries. The 1975 have supported bands like The Neighbourhood and The Rolling Stones over the past year, gathering an ever-growing following across the world. They are set to tour the UK mid-September following the release of their self-titled album on the 2 September. The IV EP is a compilation of hypnotic lullabies and chipper numbers, providing a varying tone throughout. This EP is a pleasant listen and a triumph for the Manchester boys.

] ] ] ]

The Fault in Our Stars is a young adult novel by New York Times bestselling author John Green. The story follows 16-year-old cancer patient Hazel Grace Lancaster, who is forced by her parents to attend a cancer support group. Here she meets Augustus Walters, a 16-year-old boy who lost his right leg to bone cancer. Augustus primarily attends the support group to support his friend, Isaac who lost his eye to cancer and has learned that he will also have to have the other removed. Despite the book delving into the harrowing truths of what young cancer patients go through, it is a heart-warming, romance-filled novel which will tug at your heart strings from the first page.

] ] ] ] ]

This Is Us delves into the lives of the biggest boy band in the world, One Direction. From sold-out shows and crazed fans to staying in their family homes, the film explores all areas of the bands lives. For the first time the bands previous Take Me Home tour is showcased on the big screen in 3D. The film allows fans to re-live the concert experience in the comfort of their local cinemas and to discover what happens behind the scenes in candid, never before seen footage of the boys. Although parts of the film will have been previously seen by dedicated directioners they are sure to enjoy reminiscing the boys previous endeavours. This film is a must see for any One Direction fan or music-movie buff.

] ] ] ]

Think youre the next Alan Sugar? Then you could be jetting off to HollandAround 25 budding entrepreneurs are being given the chance of a life time to jet to Holland to hone their business ideas. The Accord Groups enterprise initiative the A-Fund has teamed up with Impact Hub in Amsterdam to offer the amazing opportunity, which will even help participants learn Dutch! Alix Drysdale, Enterprise Officer for the Accord Group, said: This is a fantastic opportunity for young entrepreneurs.

Not only will you get hands on business experience but youll also be supported to develop your business ideas.

To take part, you must be aged between 18-25 years old and be able to commit to seven weeks of preparation and 13 weeks of business mentoring in Holland. There are 10 spaces for Accord residents and 15 for non-Accord residents. For more information on how to apply, call Alix Drysdale on 0121 358 9019 or email alixd@accordgroup.org.uk

Impact Hub is a part of Hubs Worldwide and specialises in giving young people the opportunity to start-up business ventures across the world.

Which boy band has a newly released film called This is Us?

Which sport does Tom Daley compete in?

How many siblings does Edward Cullen have in the film Twilight?

Which artist released the tracks I Knew You Were TroubleWe Are Never Ever Getting Back Together and 22?

Which e4 TV show stars Zooey Deschanel, Jake M. Johnson, Hannah Simone, Max Greenfield and Lamorne Morris?

178 Birmingham Road West Bromwich, B70 6QG

Tel: 0300 111 7000 Email: clairemo@accordgroup.org.uk

Twitter: @theaccordgroup Facebook: facebook.com/accordgroup

accordgroup.org.uk

1. One Direction

2. Diving

3. Four - Alice, Jasper,

Emmett and Rosalie

4. Taylor Swift

5. New Girl

October, 2013 9Our HOUSE

Your NEWS

FIVE FACTS ABOUT Credit Unions

Overdraft Lets you spend more money than is in your account but the banks usually charge interest on this. You wont get an overdraft with basic bank accounts.

Direct Debit Helps you pay bills directly from your account. Its a great way to pay your rent, allowing the company youre paying to take money from your account on a specific date. The company must tell you in advance if they plan to change the amount or the date.

Open to everyone

Everyone can join a credit union. Unlike banks that have shareholders, credit unions allow you to receive the dividend yourself. They also actively seek to get you involved, whether its as a volunteer helping at collection points or attending annual general meetings.

Help you to save

If you can save a 1, than you can save it in a credit union. Many banks like you to keep a minimum in your account or to have wages or benefits paid into it before theyll allow you to open an account. Not with a Credit Union. The amount you choose to save and when, is up to you.

Affordable place to borrow money

A typical credit union first loan is around 50 and 400 and is based on your ability to repay, not your credit rating. Once youre a member of a credit union, you can apply for a loan.

Insured and regulated

Every penny you save with a credit union is safe as its covered by the Financial Services Compensation Scheme. They also have a limit on how much you can save, depending on the size of the credit union. The average maximum is normally 15,000.

Young savers

Many credit unions work hard to encourage children to develop the saving habit. Some do this by helping primary schools to set up collection points run for pupils to save.

The five facts have been provided by 6Towns Credit Union in West Bromwich. For more information about 6Towns, visit sixtowns.co.uk or call 0121 553 3110.

Getting ready for Universal Credit Universal Credit is a new benefit that has started to replace six existing ones (Income-based Job Seekers Allowance, Income-Related Employment Support Allowance, Income Support, Working Tax Credits, Child Tax Credits and Housing Benefit) with a single monthly payment. It will be means-tested and for people of working age.

What does it mean to me?All your benefits will be paid in one single payment. This will include Housing Benefit - even if youve had it paid directly to your housing association in the past.

When will it happen?The rollout of Universal Credit has already started in parts of the country. It will be gradually rolled out everywhere from October and completed by 2017. At the time of going to print, we understand that none of the Jobcentres in the Midlands, other than Rugby, will be rolling out Universal Credit in October. So it will be unlikely to affect any residents until 2014. Well continue to update you.

How can I prepare for Universal Credit? We recommend that you get a bank account and set up a direct debit to pay your rent. This will make sure that you dont fall into rent arrears. Its also important that if you need advice and further information, you ask for it sooner rather than later.

How do I... Open a back account? What kind of accounts are there?There are two main types of bank account current and basic.

Tell me about a basic bank account.n You can only spend whats in your accountn You cant overspendn You get a cash card to withdraw cashn You dont get a cheque book.Sounds good. Tell me about a current account too.n You get a debit card which you can use to withdraw money and pay for goods

in shopsn You may get a cheque bookn You may get interest on money you leave in your accountn You can apply for an overdraftn You may have to pay a monthly fee.How can I apply for a bank account? You can open a basic or current bank account with high street banks, building societies and credit unions. Once opened, you can arrange to have your wages and benefits paid into it. You can set up direct debits too.

Im still not sure which account to choose. Help!If youre still unsure, you can get free and independent advice from the Money Advice Service by visiting moneyadviceservice.org.uk or by calling 0300 500 5000.

Anything else I need to know? Banks arent allowed to use benefit payments to clear an overdraft. This is called the first right of appropriation. However, you need to tell them in writing which you can do by filling in a form that you can get from your housing association.

Making finance terms clearer for you...

October, 201310 Our HOUSE

Your GROUP

PICTURE SPECIALIts been a glorious sun-filled summer and youve

been making the most of it by attending fun days, trips and events organised by your housing association.

To celebrate, weve selected the best photos from some of the events

held this year.

bchs day trip to Weston-Super-Mare

Moseley and District

garden party

Caldmoreaccords family fun day at Jervis Court

Fry Housing Trusts

summer activity

Children tuck into

seaside treats

Hands up if you had fun at Jervis Court

Children had a quacking time trying to hook a duck

Face painting was

a roaring success

A head for heights!

Fry customers give

climbing a go

Making a splash with

some canoeing

Tasty treats were served up to visitors

Big smiles all round at the seaside

Weston was the plaice to be for fish and chips

Peter Helly (Housing Officer) enjoys a spot of tennis with budding players

Games galore at garden party

Mustafa Ramji (Service

Improvement Manager)

and Louise Creswick

(Resident Engagement

Manager) have their

cake and eat it

October, 2013 11Our HOUSE

Your NEWS

Six questions with

What is your name and what do you do?

My name is Ashley Lovell and Im the new Resident Engagement Apprentice.

What does your job involve on a day-to-day basis?

I work with staff from across the Accord Group, local authorities and agencies to find out what they offer young people and how we can get them involved. I meet residents on a regular basis to discuss ideas for involvement, activities and events, even campaigns that we can do around issues that affect them.

How long have you worked in your current job and what did you do before?

I have been in my current role since July and before this I worked in Executive services for Caldmoreaccord. Before that I was unemployed for well over a year. I studied business and I was the President of the Students Union.

What do you enjoy most about your job?

I love everything about my job. I really enjoy meeting new people, coming up with ideas for events and activities, talking to all the other agencies and partners and finding out what they are doing.

Why is what you do important to me?

My role is important because young people are often forgotten by a lot of organisations and its important to give them a voice and opportunities to get involved. Young people have a lot of energy, a wealth of knowledge and different skills and often some downright amazing ideas!

How can I contact you?

If you want to get involved in any way, put on events or activities or if you have a burning issue that you want to campaign about then get in touch. I am always happy to come and visit your area or scheme. You can contact me on 0121 358 9033 or email me at ashley.lovell@accordgroup.org.uk.

Ashley Lovell

Resident annual report 2013 DVD out now

Walkabout dates for your diaryAshram 16 October Starting outside Bordesley Green Leisure Gardens, Birmingham

20 November Starting outside Garretts Green, Birmingham

18 December Starting outside Parkview Drive, Ward End, Birmingham

Caldmoreaccord15 October Starting outside Toll End Road, Spring Street and Ocker Hill Road, Tipton, 10am-3pm

Moseley and District22 October Starting outside Edward Road Police Station, Balsall Heath, 10am

24 October Starting outside Faraday Court, Faraday Avenue, Handsworth, 10am

31 October Starting outside Balsall Heath Forum, Balsall Heath, 10am

5 November Starting outside Annand House, Sparkhill, 10am

7 November Starting outside 68/76 St Albans Road, Moseley, 10am

15 November Starting outside Harrisons Pleck, Moseley, 10am

19 November Starting outside Chesterton Court, Cambridge Road, Kings Heath, 10am

6 December Starting outside Block Two, Clent Way, Bartley Green, 10am

10 December Starting outside Block 114/118 Gough Road, Edgbaston, 10am

A new residents forum described as positive and educational has been launched in Coventry.

The group, for residents of Alan Marcell Close, Robert Manford Way and Gilbert Horrell Close, meet on a regular basis to discuss the issues that matter to them.

Staff from Ashram Housing Association also attend the meetings and the group have used a special 3D model to explore how things can be improved on their estate.

Amanda Nicholls, Director of Ashram Housing Association, said: The Planning for Real model has, yet again, proved to be a fabulous tool for resident engagement because it enables people to actively participate in an informal and fully-inclusive way.

Despite having experienced issues with their heating system, residents have come together to tackle other matters so that their estate is one that they can be really proud of.

Wendy Bolas, a resident who has attended the meetings, said: The meetings have been positive and educational. I am optimistic about the future of our estate.

New forum for Coventry residents

A DVD of the resident annual report 2013 following the journey of the Accord Group and highlighting how well it has performed this year - is out now. Produced by residents, in association with Broadcast Media Services, the film includes features on topics ranging from repairs to resident involvement.

To view the report, visit accordgroup.org.uk, check out our Facebook page or YouTube page, or alternatively you can request a copy by contacting the Resident Engagement team on 0121 500 2014 or email reteam@accordgroup.org.uk. Public viewings of the film will also be held in local offices and schemes. For further information about your nearest viewing, please contact the Resident Engagement team.

Residents forum have been using this Planning for Real model

October, 201312 Our HOUSE

Homes and Communities

Your GROUP

Housing associations team up to clean up A group of Birmingham housing associations teamed up to remove bags of rubbish dumped in a Moseley alleyway during two clean-ups.

Around 40 bags of rubble and bricks and a whole tipper truck full of garden waste has been cleared from the alleyway between Church Road, Woodstock Road, Woodhurst Road and Sandhurst Road.

Dumped rubbish, including mattresses, a sofa and household waste, was also taken away and broken fence panels were fixed and treated.

Katie Gallon, Trainee Housing Officer at Moseley and District, said: Hours of work have been put in to cleaning up this alleyway. Its been really successful with lots of team work between different organisations.

Members of Caldmoreaccords Time for Real time bank (which you can read more about on page 6) also helped out during the clean-ups, which took place in August.

To report fly-tipping in your area, contact your housing officer by calling 0300 111 7000 or speak to your support worker.

Before... After Resident electrician lighting up community

You said, we did! We take your complaints and request seriously, so in this newsletter we will explain how we are improving our services for you.

You told us that you werent happy with the way that we kept you updated about repairs to your

homes. Now, the contractors that we employ to carry out repairs Lovell - send a text message confirming your

appointment and another one two days beforehand. They must also now give you the details of any follow-up work that is needed before they leave your home.

You also told us that you werent happy with our approach to leaks in your home. In response, if there is an out-of-hours leak in your home, we will now make contact with you before 12pm the following day.

If you need to report a repair, call 0300 111 7000 or visit your housing associations website to report it online.

A resident has risen through the ranks to become an estates officer after joining the organisation as an apprentice.

Thomas Raybould, a Caldmoreaccord resident, is now an Estates Officer, with an NVQ level 3 in electrical installation, after joining the organisation three years ago aged just 18.

As part of his job as Estates Officer, Thomas carries out a range of jobs from fire alarm checks and emergency light checks to electrical maintenance and site inspections.

Surjit Singh Rai, Estate Services Manager, said: Thomas has been essential in the creation and expansion of the electrical team, with two more electricians being hired since his arrival.

The Estates and Facilities team has benefited greatly from his expertise and desire to provide a good service to fellow residents and he is a shining example of how an apprenticeship can lead to great things.

Alleyway was filled with rubbish...

...now its clear and fence panels have

been painted

Thomas Raybould started as an apprentice aged just 18

October, 2013 13Our HOUSE

Your NEWS

Prepare now to stay snug this winter

With the colder months just around the corner, its really important to make sure that your

heating system is working now.

If you havent already, we recommend that you turn your system on to check that it is fully functioning.

Testing it now will give us time to arrange to get it fixed if there are any problems before the

colder months set in.

For more information about what you can do to keep warm this winter, call us on 0300 111 7000

or speak to your housing officer.

Birmingham homes get green makeoversHomes across Birmingham have been given green makeovers in a bid to help families save money on their energy bills.

Bchs has installed loft and cavity wall insulation to 24 homes in Handsworth, Bordesley Green and Small Heath. Five homes have also been fitted with external wall insulation and two have solar thermal panels installed, which covert sun rays into energy to heat hot water. Bchs hope that the extensive programme of works will help families save money on their energy bills.

Nur Hussan, a bchs resident from Handsworth who has had external wall insulation fitted to his home, said: Im really happy with the work and hope that it will keep my home warmer in the winter and mean that I spend less on my gas bills.

Chris digs deep to transform garden

A green-fingered Birmingham man has dug deep to transform the garden at the housing scheme where he lives.

Chris Bishop has spent the summer cutting back weeds, planting new shrubs, creating an allotment and patio area and rebuilding a disused BBQ.

The 38-year-old was inspired to make-over the garden as his bedroom overlooks it and he thought it had lots of potential to blossom.

Chris, a Fry Housing Trust customer, said: Its a huge garden but it didnt look great and it wasnt really used but I could see it had potential.

Now we have new flower beds, a memorial area to sit and unwind and a polly tunnel to grow fruit and vegetables.

Eco home development draws closer A development of eco-friendly timber-frame homes being built in West Bromwich is moving forward, with the latest phase underway.

A 45 foot crane has lifted timber panels into place as part of work to build 38 new homes in Beaconview Road, Charlemont Farm.

Once complete, the development will feature 12 two-bedroom apartments, four two-bedroom houses, eight three-bedroom houses and four four-bedroom houses for affordable rent.

It will also include six two-bedroom houses and four three-bedroom houses for first-time buyers who are struggling to get their foot on the property ladder.

The homes will be managed by bchs and the timber panels are being manufactured at the Accord Groups LoCaL Homes factory in Walsall.

Chris Bishop has helped garden to blossom

(L-R) Alan Yates (Director of Regeneration) and Councillor Mahboob Hussain from Sandwell Council at the Beaconview development

1 On a scale of 1 to 5, with 1 being not interested at all and 5 being very interested, how interested are you in reading about? Please circle your answer:

2 What do you most enjoy reading about in the newsletter?

3 What do you least like reading about in the newsletter?

4 Would you like to see articles about a topic that is currently not covered? If yes, please state what.

5 How long do you spend reading the newsletter on average?

q 0-5 minutesq 15-30 minutesq 30-60 minutesq 1-2 hours

6 Would you be interested in receiving the newsletter in a digital format via email?

q Yesq No

7 How often do you receive the newsletter?

q Once a yearq Twice a yearq Three times a yearq Four times a year

8 Do you have any other comments or feedback about the newsletter?

Your opinions matter to us, which is why we want to know your thoughts on this newsletter, Our House. To be in with the chance of winning 20 Love 2 Shop vouchers, please fill in the questionnaire below, and send it to The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, B70 6QG. Remember to include your name, address and a phone or email contact and the name of your housing association. One person will be chosen at random from all completed questionnaires.

Name:

Address:

Tel:

Email:

Housing Association:

Your GROUP

Job vacancies, volunteering and 1 2 3 4 5

training opportunities?

Changes to benefits and welfare reform? 1 2 3 4 5

Repairs and maintenance to your home 1 2 3 4 5 or scheme?

Events and activities taking place in your 1 2 3 4 5 area and how you can get involved?

New homes for rent, sale or shared 1 2 3 4 5 ownership?

Recipes and stories written by residents? 1 2 3 4 5

October, 2013 15Our HOUSE

Your NEWS

Conference gets thumbs upTopics such as tenant empowerment, developing new homes and welfare reform were all on the agenda at the annual CCH Conference.

The event, held at Warwick University this year, was attended by members of Victoria, Paddock, 2020 and Balsall Health co-operatives, which bchs work closely with. Ian Cook, from Victoria Housing Co-operative, said: It was a very interesting conference, with question and answer sessions and workshops on a variety of topical subjects.

The conference took place between 19-21 July, 2013.

OctoberMonday, 14 October Heartlands Local History Coffee Morning, Nechells Green Community Centre, Birmingham. 10am-1pm.

Tuesday, 22 October (every Tuesday), Knit and Natter Group, Central Library, West Bromwich. 2pm-3pm. Free. For details call, 0121 569 4904.

Tuesday, 22 October Debt Advice Workshop, Small Heath Community Forum, Heather Road, Birmingham. 10am-12pm. To book an appointment, call 0121 773 8619.

Sunday, 27 October Fordhall Fun and Frights Event, Fordhall Organic Farm, Market Drayton, Shropshire. 5.30pm-8.30pm. Children 5, adults free. For more information, call 01630 638696.

Wednesday, 30 October Postman Pat, Stourbridge Town Hall, Dudley. 1pm. Adults 12.50, children 10.50, family of four 42. To book call, 01384 812960.

November Friday, 8 November South Walsall Library Chatterbooks Group (for children aged between seven and 12), South Walsall Library, Walsall. 3.45pm-4.45pm. For details call, 01922 721347.

Saturday, 9 November Farmers Market, Stafford. 9.30am-4pm. For details, call 01785 245935.

Saturday, 9 November Willenhall Bonfire and Firework Display, Willenhall Memorial Park, Walsall. Adults 3, children 1 and under 5s free. For more details, call Walsall Council on 07736 388409/07736 388418

Thursday, 14 November (until 22 December) Frankfurt Christmas Market, Victoria Square, New Street, Centenary Square and Chamberlain Square, Birmingham. 10am-9pm.

Thursday, 21 November Poetry Group, Earlsdon Library, Coventry. 4pm-6.30pm. Free.

Celebration event in fifth yearAshram Housing Association and Solihull Community Housing will once again be hosting a joint celebration to mark Black History Month and World Mental Health Day.

The free fun-filled event, which will feature entertainment, health checks, lunch, dance, face painting and much more, will take place on Saturday, 19 October, from 12pm-3.30pm at the Loft, 10 West Mall, Chelmsley Wood, Shopping Centre.

For more information, contact staff at Bosworth Drive Community Centre on 0121 770 8570.

Fete hits the right noteMusic and entertainment for all were the highlights of this years summer fete at Silver Birches residential home in Solihull. The stars of the show were West Midlands Fire Service, with firefighters bringing one of their high-tech tenders along for people to take a look around.The services own clarinet quintet also hit the high notes while a brass band hit the low notes, and there was barbecue, cake stall, raffle, bric-a-brac and a bouncy castle for the kids.

October, 201316 Our HOUSE

CompetitionsQuiz

Wordsearch

Simply answer the following 10 questions correctly to be in with the chance of winning a 20 Love2Shop voucher, which can be redeemed at over 20,000 stores.

Send your completed questions to, The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG or email them to clairemo@accordgroup.org.uk by Monday, 4 November, 2013.

Remember to include the name of the competition that you are entering, your name, address and a phone or email contact. One winner will be chosen at random from all correct entries. The winner of last issues competition was Mr. K Lawrence from Walsall.

Simply find the word that is NOT in the wordsearch to be in with the chance of winning a 20 Love2Shop voucher, which can be redeemed at over 20,000 stores.

Send your answer to The Accord Group, c/o Claire Morrall, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG or email clairemo@accordgroup.org.uk by Monday, 4 November, 2013.

Remember to include the name of the competition that you are entering, your name, address and a phone or email contact. One winner will be chosen at random from all correct entries.

Accord Group, 178 Birmingham Road, West Bromwich, B70 6QG. Tel: 0300 111 7000 Email: customerfirst@accordgroup.org.uk

On request, we will do what is practical to translate information into different formats including large print, Braille and other languages. If you need a document translated into a different language or format, call Customer First on 0300 111 7000.

Spider

Witch

Cobweb

Pumpkin

Ghost

Trick

Treat

Broomstick

Werewolf

Vampire

Cauldron

Bat

1: What is the capital city of New Zealand?

2: Which country is the cheese mozzarella normally associated with?

3: Name the actor who will play the twelfth Doctor Who?

4: Which country was singer Michael Buble born in?

5: In which city is William Shakespeares play Romeo and Juliet set?

6: Name the male cricket captain who led England to victory in this years Ashes series?

7: What is the full name of the Duke and Duchess of Cambridges baby boy?

8: What breed of animal is an Akita?

9: Which historical figure was often dubbed The Lady with the Lamp?

10: Youll find the next answer in this newsletter. when is the closing date to nominate a Great Resident?

"

The winner of last issues wordsearch was

Miss J Finch from Walsall

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LIKE US ON FACEBOOK AND WIN 50 OF SHOPPING

VOUCHERS!

To enter, simply like our Facebook page at facebook.com/accordgroup by Monday, 4 November, 2013, to be in with the chance of winning Love2Shop vouchers. One winner will be chosen from all those who like the page. The winner will be announced on the Accord Groups Facebook page.