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JEFF PRESTRIDGE: Vernon is the small building society with a big heart showing the way By JEFF PRESTRIDGE FOR THE MAIL ON SUNDAY Updated: 21:56 GMT, 7 December 2024 e-mail View comments Vernon Building Society shares a lot of good characteristics with its hometown football club, Stockport County. Crucially, both care passionately about their local communities. The football team currently occupies a play-off spot in League One. Owned by successful property businessman Mike Stott, who was born in nearby Hazel Grove, the Hatters go out of their way to be welcoming to supporters, young and old. Last month, they charged kids a fiver for attending the team's FA Cup match against Brackley Town – a match they won 3-1, securing themselves a lucrative third-round fixture against premiership club Crystal Palace in the New Year. And as Ian Ladyman, my sports colleague at the Daily Mail, said recently, it wasn't a one-off. At last month's home game against Bolton, the club laid on pre-match and half-time entertainment for children. To put this into perspective, Manchester United, just ten miles from Stockport's Edgeley Park Stadium, is now charging children £66 to watch a Premier League fixture. Utterly scandalous – Stockport's starting price for children's tickets yesterday at the home match against Exeter was just £2. Vernon displays its local community bent in other ways. Outside Stockport, it has branches where there are no other banks or building societies – Poynton, Cheshire, and Reddish, Greater Manchester. Hats off: Stockport County's ground. Steve Fletcher, right Although its Bramhall branch is the last bank or building society branch standing, there is a nearby banking hub (a community bank) run by the Post Office. In Hazel Grove and Marple, it competes with NatWest and Nationwide, respectively. Steve Fletcher, Vernon's chief executive, is retiring in 12 days. But he says his seven-year stint at the building society has been the happiest of a career in which he has worked at Birmingham Midshires (snapped up by Halifax), Clydesdale and Yorkshire Banking Group (now, Virgin Money, part of Nationwide) and Woolwich (bought by Barclays). When Fletcher joined Vernon in early 2018, the building society was struggling. 'It wasn't modern,' he told me last week. 'Not in the way it treated customers or staff. The regulator also needed to be assured that the business was sustainable.' Fletcher set about reinvigorating Vernon. The society's boardroom was overhauled and made more 'professional'. But more important was a steely determination to grow the mutual's assets through doing mortgage business. Unlike many big rivals, which now use computer programmes to underwrite loan applications (giving borrowers a thumbs up or down), Fletcher decided upon a different approach. Loans are now underwritten individually, enabling the society to lend to borrowers who would be given the cold shoulder by most other lenders. The result is a mortgage book of £500 million, compared with £290 million when Fletcher joined Vernon. All six branches have had makeovers (the one in Marple will reopen just before Christmas), and while passbooks remain an essential part of its offering ('savers love them'), all accounts can now be operated online. 'When I was at Clydesdale and Yorkshire Banking Group,' says Fletcher, 'I was responsible for axing branches, sometimes leaving a town with no bank. It was all about cutting costs and keeping shareholders happy. Here, it has been about building choice for customers. Everything we do is the right thing to do, whether it's making donations to local not-for-profit groups or charities.' Vernon doesn't make big profits (£2.2 million last year), but enough to get by. Earlier this year, it celebrated its 100th anniversary. Let's hope new boss Darren Ditchburn carries on the good work to ensure Vernon remains as integral to the communities it serves as the Hatters are to Stockport. RELATED ARTICLES Previous 1 Next JEFF PRESTRIDGE: Campaigner, 84, who brought banking back to... Bosses 'immediately reacted' to Autumn Budget with job cuts,... Share this article Share HOW THIS IS MONEY CAN HELP What you need to know about money every week: This is Money podcast Longstanding funds are still going strong Happy anniversary to investment funds JO Hambro Capital Management (JOHCM) UK Equity Income and Law Debenture. JOHCM UK Equity Income, a £1.7 billion fund, has just celebrated its 20th birthday, while investment trust Law Debenture will mark its 135th a week on Monday at the home of the London Stock Exchange near St Paul's Cathedral. Both funds remain relevant to investors. JOHCM UK Equity Income has outperformed the FTSE All-Share Index over the past one, three, five and ten years, and managers Clive Beagles and James Lowen are confident that 2025 could be another good year. In their latest update, they claim they can deliver dividend growth next year in excess of five per cent. They are also buoyed by the fact that a majority of its 60-odd holdings are 'buys'. With the base rate likely to fall, an annual dividend yield next year of around 5.1 per cent looks enticing. Law Debenture is also focused on UK equity income shares, albeit with a twist. While around 80 per cent of its assets are invested in listed equities (mostly UK firms) and managed by the investment house Janus Henderson, the remainder comprises ownership of the unlisted financial business Independent Professional Services (IPS). IPS has several strands to its bow, providing trustee services to company pension funds and businesses – and a company secretarial facility. It generates a lot of revenue, enhancing its ability to pay shareholders an attractive stream of income. Charity left reeling by NI tax raid A few days ago I popped along to a local charity, the Wokingham and District Association for the Elderly (Wade). Philip Mirfin, chairman of the charity's trustees, gave me a tour of Wade's premises and explained the crucial service it provides to many of the elderly people who live in the Berkshire town. 'We are a small but necessary charity,' he explained. 'We offer day care to the over-60s – where they can get fed, be pampered a little, and meet other people. 'They feel loved and less lonely. If they live with family, it provides the family with respite.' No other organisation in Wokingham offers such a vital service for the elderly. Yet, like many charities and hospices, Rachel Reeves's raid on National Insurance will hit Wade hard. Mirfin estimates that together with the higher minimum wage – but after the hike in employment allowance, which small employers can use to mitigate their NI costs – Wade's NI costs will rise by £27,000 next year. Not a huge hit on the surface, but it is when Wade is spending more on the day care it provides (£578,846 last year) than it generates in income (£513,615). Like similar charities up and down the country, Wade provides a key service at a time when social care provision in this country is creaking at the seams. Surely, Reeves's NI raid wasn't meant to include them? This is Money podcast What next for house prices and is it harder to buy a home now vs 1974? Are interest rate cuts about to stall - and what does it mean for you? Why have crypto prices soared - and should you be wary of a tax sting? What Trump means for your money - and a 10th birthday Will the Budget cost you money - and will Rachel Reeves' plan work? Public vs private sector pensions - how to avoid a race to the bottom More This is Money podcasts Share or comment on this article: JEFF PRESTRIDGE: Vernon is the small building society with a big heart showing the way e-mail Add comment Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.Virginia Beach School Board member Jennifer Franklin's election loss was an unjust response to her principled service, former Del. Karen Greenhalgh writes in a guest column. 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ST. THOMAS, Virgin Islands (AP) — Michael Christmas scored 15 points as Longwood beat UAB 89-81 on Friday for its sixth straight victory. Christmas shot 4 of 6 from the field and 6 for 6 from the line for the Lancers (6-0). Kyrell Luc scored 14 points and added five rebounds. Colby Garland had 12 points and shot 5 of 10 from the field and 2 of 3 from the free-throw line. The Blazers (3-3) were led in scoring by Yaxel Lendeborg, who finished with 18 points and 10 rebounds. Ja'Borri McGhee added 16 points and four assists for UAB. Christian Coleman also had 14 points. Longwood was tied with UAB at the half, 43-43, with Luc (eight points) its high scorer before the break. Longwood took the lead for good with 1:55 remaining on a jump shot from Luc to make it 80-78. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Jammu and Kashmir Chief Minister Omar Abdullah visited his Assembly constituency, Ganderbal, on Saturday to take stock of the situation in the aftermath of snowfall, officials said. Abdullah visited his constituency to assess the situation first-hand and monitor the district administration's efforts to provide relief to people, they added. ET Year-end Special Reads Take That: The gamechanger weapon's India acquired in 2024 10 big-bang policy moves Modi government made in 2024 How governments tried to rein in the social media beast The officials said the chief minister paid an unannounced visit to the district hospital to assess its preparedness in providing healthcare services. He interacted with the hospital staff as well as patients and their attendants, and emphasised the importance of ensuring uninterrupted medical services, the officials said. They said the chief minister also enquired about the heating arrangements at the hospital, and the availability of staff, essential medicines and other facilities. Later, he visited the mini-secretariat complex and took stock of the situation across the Union Territory from the deputy commissioner's office at Ganderbal, the officials said. 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He directed the officers to take swift action to ensure uninterrupted essential services after the snowfall, the officials said. Talking to reporters in Ganderbal, Abdullah said he visited Ganderbal to ensure that people do not face much hardships due to the snow. "I wanted to ensure that the snow-clearance operations on roads were sped up and electricity was restored wherever the lines were snapped. I also wanted to take stock of hospital and essential services," he said. The chief minister said he is monitoring the situation in other districts of the valley as well. "There are places where electricity has been affected due to snowfall and that would be restored by Saturday evening. Efforts are also on to clear the roads that are blocked due to snow," he said. Asked about the restoration of water supply in certain areas, the chief minister said wherever the supply can be restored immediately, it would be done, and wherever it would take time, water tankers would be made available. 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Stock market today: Wall Street rallies ahead of ChristmasNew polls of Benzinga readers show they don't think the Department of Justice should break up Alphabet Inc GOOG GOOGL or target other Magnificent 7 stocks. What Happened: A recent investigation by the Department of Justice found prosecutors telling Alphabet it needs to divest the Google Chrome browser to break a monopoly on online search. A poll of Benzinga readers showed 64% of respondents saying that Alphabet should not be split up. While the Department of Justice's probe into Alphabet likely means some changes will be made in the future, attention could quickly turn to other big technology companies after the Google parent. "Which other Magnificent 7 stock should be broken up?" Benzinga asked. The results were: None of them : 51% Amazon.com Inc AMZN : 14% Meta Platforms META : 12% Microsoft Corporation MSFT : 11% Apple Inc AAPL : 5% Tesla Inc TSLA : 5% NVIDIA Corporation NVDA : 2% Around half of the poll respondents said no other Magnificent 7 stocks should be broken up. Of the people who picked a stock to be broken up, Amazon led the way with 14% of the vote. Read Also: Trump Presidency Magnificent 7 Stock Impact: Benzinga Readers Pick Tech Titan At Most Risk Following 2024 Election Why It's Important : The desire to split up Amazon likely comes from investors wanting to have access to invest in Amazon Web Services, also known as AWS, a pure-play cloud platform. In the most recent third-quarter financial results, Amazon reported the following revenue by business segment: North America: $95.5 billion, +9% year-over-year International: $35.9 billion, +12% year-over-year AWS: $27.5 billion, +19% year-over-year This trend is a common occurrence of AWS growth outpacing the other business segments. While AWS is the smallest of the three main reporting segments, the cloud segment is seeing strong growth and getting closer to outpacing international revenue. AWS is also the larger driver for Amazon's operating profit. Of the company's third-quarter total of $17.4 billion in operating profit, $10.4 billion came from AWS. Meta Platforms came in second of the companies in the poll, which could be related to investors wanting access to the companies social media platforms like Facebook and Instagram or access to the WhatsApp messaging service. Meta could find itself a target of the new White House administration with both Donald Trump and J.D. Vance speaking out about the company previously. “I think that Google and Facebook have really distorted our political process. And I think a lot of my friends on the left would agree with me, but they might disagree with me directionally about how to fix that problem," Vance said earlier this year. “We have to stop the craziness, and I think one way to do it is to stop the way that these companies control the flow of information in our country.” While many investors said Magnificent 7 stocks shouldn't be broken up, analysts see the move potentially unlocking value based on sum-of-the-parts valuations. Read Next: Could Another Magnificent 7 Stock Beat Nvidia In 2025? Poll Says Not Likely, 27% Pick This Potential Winner The study was conducted by Benzinga from Nov. 21 through Nov. 22, 2024, and included the responses of a diverse population of adults 18 or older. Opting into the survey was completely voluntary, with no incentives offered to potential respondents. The study reflects results from 57 adults. Photo: Shutterstock © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.