Should we forget about ‘the older consumer’? An expert roundtable on market s...ILC- UK
In an ageing society, understanding and engaging with ‘the older consumer’ is of pressing interest for businesses who want to realise the potential of the market. But it is not an easy market to understand or describe.
A key issue to be addressed by marketers is to avoid a homogenisation of older people. The diversity of consumer spending of this group is often lost in ageist perceptions of ‘what older people want’. Despite this however, it remains to be seen if the commonalities of ageing – such as wealth depletion and physiological changes – nudge older people to gravitate to a norm.
In Dec 2010, ILC-UK and the Personal Finance Resource Centre (PFRC) at the University of Bristol published a report which explored what and how older people spent their income (Consumption Patterns Among Older Consumers). The evidence from this report fed into the ILC-UK report for Age UK on older consumers (The Golden Economy).
ILC-UK and PFRC have teamed up again to further explore issues around consumption and old age, funded by the Economic and Social Research Council Secondary Data Analysis Initiative. At this seminar we presented new evidence which explores patterns of expenditure among older people and considers what explains these.
During the seminar we:
Considered how our spending varies as we age, including setting out average and overall spending by age group;
Segmented older households based on their patterns of expenditure;
Considered the validity of a single ‘older consumer’ model.
This document provides guidance for numeracy teaching in Prep and Years 1-2. It outlines the knowledge teachers require, essential numeracy skills and concepts to focus on, recommended assessments, and advice on planning differentiated instruction using the e5 instructional model. Teachers are advised to use assessment data to determine individual student needs and focus on number, patterns, addition/subtraction, measurement, geometry, data, and time concepts appropriate for each year level. Ongoing monitoring of student progress is recommended, along with providing feedback and opportunities for self-assessment. A range of teaching strategies including explicit instruction, questioning, discussion and hands-on activities with concrete materials should be used.
- Employee retention and motivation is important but challenging for businesses. High employee turnover rates cost companies money and productivity. Getting the right employees and keeping them motivated requires effort.
- Common reasons for employee dissatisfaction include poor relationships with supervisors, lack of opportunities for growth and development, insufficient pay and benefits, and poor communication within the company. Strategies like training, flexible working, recognition programs, and clear communication can help improve retention.
- Managing absenteeism, which costs UK businesses billions each year, requires monitoring rates, addressing underlying issues, and holding employees accountable through back to work interviews and limited sick pay policies. Tardiness is another productivity drain that companies aim to reduce.
This literature review examines obsessive-compulsive disorder (OCD) and whether routines are the same as behaviors. OCD is an anxiety disorder characterized by intrusive, inappropriate obsessive thoughts and compulsions performed repeatedly to reduce anxiety. The author notes they suffer from a condition like OCD called "CDO" where the letters are in alphabetical order. Around 5 million Americans have OCD, including 1-2% of children and adults. The review explores the difference between routines and behaviors for someone with OCD and how increased awareness of behaviors can make them seem annoying rather than a routine.
The document discusses five trends in human resources for the 21st century: 1) the evolution of HR from personnel to human capital management, 2) talent wars due to teacher shortages, 3) generational differences in the workforce, 4) the technology explosion in areas like virtual schools and communications, and 5) the need to measure return on investment in HR. It provides examples and illustrations of each trend and prompts discussion on how these trends could impact the reader's future work in HR and how they may respond.
This document discusses uniform motion and provides examples of writing systems of equations to solve rate problems involving objects moving at constant speeds. It presents two examples - one involving a helicopter and airplane, and another involving boat speeds upstream and downstream. Students are asked to write systems of equations to determine how long it will take an airplane to overtake a helicopter in different scenarios, and to find boat and current speeds using two equations. The document concludes by assigning homework problems from a textbook involving additional current-related rate problems.
Students progress through levels of spelling ability from 0.5 to level 4.75. The document outlines progression points and indicators of progress for each level. It provides examples of work demonstrating spelling skills developing towards or meeting each standard. For each level it describes typical spelling strategies students may use, such as sounding out letters, use of rhyming patterns, knowledge of prefixes and suffixes, and reviewing resources to assist with unfamiliar words.
This document provides instructions on multiplying and dividing decimals. It discusses multiplying decimals by whole numbers and other decimals. When multiplying decimals, one should estimate to place the decimal point in the product or count decimal places. It also covers dividing decimals by whole numbers and other decimals. When dividing decimals, one may need to round the quotient. Examples and practice problems are provided.
This document provides instructions and materials for a math lesson on similarity and scale factors. It includes examples of similar figures with questions about their side lengths, scale factors, and areas. It also discusses how police use measurements and similar figures to determine characteristics like a criminal's height from surveillance photos. Students are asked to use a photo of a teacher holding an object of known size to calculate the teacher's height, and to explain how police may have used a similar technique to determine a robber's height from a store surveillance photo.
Should we forget about ‘the older consumer’? An expert roundtable on market s...ILC- UK
In an ageing society, understanding and engaging with ‘the older consumer’ is of pressing interest for businesses who want to realise the potential of the market. But it is not an easy market to understand or describe.
A key issue to be addressed by marketers is to avoid a homogenisation of older people. The diversity of consumer spending of this group is often lost in ageist perceptions of ‘what older people want’. Despite this however, it remains to be seen if the commonalities of ageing – such as wealth depletion and physiological changes – nudge older people to gravitate to a norm.
In Dec 2010, ILC-UK and the Personal Finance Resource Centre (PFRC) at the University of Bristol published a report which explored what and how older people spent their income (Consumption Patterns Among Older Consumers). The evidence from this report fed into the ILC-UK report for Age UK on older consumers (The Golden Economy).
ILC-UK and PFRC have teamed up again to further explore issues around consumption and old age, funded by the Economic and Social Research Council Secondary Data Analysis Initiative. At this seminar we presented new evidence which explores patterns of expenditure among older people and considers what explains these.
During the seminar we:
Considered how our spending varies as we age, including setting out average and overall spending by age group;
Segmented older households based on their patterns of expenditure;
Considered the validity of a single ‘older consumer’ model.
This document provides guidance for numeracy teaching in Prep and Years 1-2. It outlines the knowledge teachers require, essential numeracy skills and concepts to focus on, recommended assessments, and advice on planning differentiated instruction using the e5 instructional model. Teachers are advised to use assessment data to determine individual student needs and focus on number, patterns, addition/subtraction, measurement, geometry, data, and time concepts appropriate for each year level. Ongoing monitoring of student progress is recommended, along with providing feedback and opportunities for self-assessment. A range of teaching strategies including explicit instruction, questioning, discussion and hands-on activities with concrete materials should be used.
- Employee retention and motivation is important but challenging for businesses. High employee turnover rates cost companies money and productivity. Getting the right employees and keeping them motivated requires effort.
- Common reasons for employee dissatisfaction include poor relationships with supervisors, lack of opportunities for growth and development, insufficient pay and benefits, and poor communication within the company. Strategies like training, flexible working, recognition programs, and clear communication can help improve retention.
- Managing absenteeism, which costs UK businesses billions each year, requires monitoring rates, addressing underlying issues, and holding employees accountable through back to work interviews and limited sick pay policies. Tardiness is another productivity drain that companies aim to reduce.
This literature review examines obsessive-compulsive disorder (OCD) and whether routines are the same as behaviors. OCD is an anxiety disorder characterized by intrusive, inappropriate obsessive thoughts and compulsions performed repeatedly to reduce anxiety. The author notes they suffer from a condition like OCD called "CDO" where the letters are in alphabetical order. Around 5 million Americans have OCD, including 1-2% of children and adults. The review explores the difference between routines and behaviors for someone with OCD and how increased awareness of behaviors can make them seem annoying rather than a routine.
The document discusses five trends in human resources for the 21st century: 1) the evolution of HR from personnel to human capital management, 2) talent wars due to teacher shortages, 3) generational differences in the workforce, 4) the technology explosion in areas like virtual schools and communications, and 5) the need to measure return on investment in HR. It provides examples and illustrations of each trend and prompts discussion on how these trends could impact the reader's future work in HR and how they may respond.
This document discusses uniform motion and provides examples of writing systems of equations to solve rate problems involving objects moving at constant speeds. It presents two examples - one involving a helicopter and airplane, and another involving boat speeds upstream and downstream. Students are asked to write systems of equations to determine how long it will take an airplane to overtake a helicopter in different scenarios, and to find boat and current speeds using two equations. The document concludes by assigning homework problems from a textbook involving additional current-related rate problems.
Students progress through levels of spelling ability from 0.5 to level 4.75. The document outlines progression points and indicators of progress for each level. It provides examples of work demonstrating spelling skills developing towards or meeting each standard. For each level it describes typical spelling strategies students may use, such as sounding out letters, use of rhyming patterns, knowledge of prefixes and suffixes, and reviewing resources to assist with unfamiliar words.
This document provides instructions on multiplying and dividing decimals. It discusses multiplying decimals by whole numbers and other decimals. When multiplying decimals, one should estimate to place the decimal point in the product or count decimal places. It also covers dividing decimals by whole numbers and other decimals. When dividing decimals, one may need to round the quotient. Examples and practice problems are provided.
This document provides instructions and materials for a math lesson on similarity and scale factors. It includes examples of similar figures with questions about their side lengths, scale factors, and areas. It also discusses how police use measurements and similar figures to determine characteristics like a criminal's height from surveillance photos. Students are asked to use a photo of a teacher holding an object of known size to calculate the teacher's height, and to explain how police may have used a similar technique to determine a robber's height from a store surveillance photo.
The document provides examples of factoring polynomials completely. It begins by outlining guidelines for factoring polynomials completely, such as factoring out the greatest common monomial factor, looking for differences of squares or perfect square trinomials, and factoring trinomials and polynomials with four terms by grouping. It then works through examples of factoring various polynomials completely by applying these guidelines. These include factoring trinomials, solving a polynomial equation, and solving a multi-step problem involving factoring a polynomial to find dimensions.
02May14 - The demographic implications of Scottish independenceILC- UK
During 2014, ILC-UK, supported by the specialist insurance company, Partnership Assurance Group plc, is undertaking a series of events to explore the relationship between our changing demography and public policy.
The third event in the series explored the demographic implications of Scottish independence.
In 2014, Scotland will vote in an independence referendum which could significantly change its relationship with the rest of the United Kingdom. An independent Scotland would have a fully independent NHS, control a significant proportion of the North Sea oil reserves and will take on a percentage of the UK national debt.
An independent Scotland would also result in the UK having a new demographic makeup. There are currently a number of marked differences between the two countries which will be highlighted by the division. These include a 2.8 year gap in healthy life expectancy for men, as well as differences in overall life expectancy and mortality rates. Recent figures released by the ONS suggest that the future health of an independent Scotland may actually align with that of the UK. The number of children aged two to 15 either overweight or obese in Scotland is now equal to that of England (30%), and lower than Wales (36%), and Scottish men are significantly more active than their counterparts in both countries.
The seminar explored these differences, as well as how the demography of an independent Scotland may change over time, and what future Scottish Governments (with or without independence) may need to do to adapt to these demographic changes.
Scottish independence would have a number of age-related policy implications for both Scotland and the rest of the United Kingdom. The issue of Scotland’s ageing population has already entered political debate, with the SNP announcing that, if elected, they would make new pensioners £4.40 a month better off than in England, while also pledging to set up a commission looking at the state pension age. The Scottish government has also announced that benefits, tax credits and state pensions would continue to be paid from the first day of independence, but have not addressed how they will meet the challenge of moving schemes from one administration to another.
Here are the steps to solve each equation by graphing:
1) x2 + 5x + 6 = 0
Write in standard form: x2 + 5x + 6 = 0
Graph the related function y = x2 + 5x + 6. The x-intercepts are the solutions, which are -3 and -2.
2) x2 + 8x + 16 = 0
Write in standard form: x2 + 8x + 16 = 0
Graph the related function y = x2 + 8x + 16. The x-intercepts are the solutions, which are -4 and -4.
3) x2 - 2x + 3 = 0
Write in standard
With the advance of social media as a standard way of communicating, being literate now includes being digitally educated. Savvy communicators realize social sites like Facebook can be utilized as platforms to connect, educate, and encourage relationship. In “Tips and Best Practices for Shepherding with Facebook” you’ll walk away with strategies and tools to build community and extend your personal and ministry reach. Facebook is already accomplishing many of the goals we have for church communication. Learn how to take advantage of the Facebook social structure to build a strong local or global community.
Customizable and area exclusive. Stay top of mind, foster trust and stand out from the competition. Includes email blog and social media content. Small monthly fee. pat@greatreachinc.com
The document discusses issues related to longevity, aging populations, and their economic impacts. It notes that populations are aging globally as life expectancy increases, which will significantly impact economies by reducing the ratio of working-age to older individuals. This could reduce economic growth by decreasing workforce participation and increasing costs for pensions and healthcare. However, aging populations also represent new opportunities for certain industries that cater to older consumers. Addressing the challenges of aging societies will be important for economic policymakers.