A presentation given by David Hayes and Andrea Finney of the Personal Finance Research Centre at the University of Bristol. Findings from a joint ILC-UK/PFRC project, on Financial dimensions of well-being in older age funded by ESRC.
The document discusses the demographics of the British Asian population in Birmingham and the United Kingdom. Analysis of census data shows that British Asians have a younger population structure compared to the overall population, with more children and fewer elderly, indicating a need for skills training. While the British Asian/Asian population makes up around 7% of the total UK population, only 4.2% enter apprenticeships, below what would be expected based on population size. The awards aim to showcase talent within the British Asian community and encourage more young Asian people to consider apprenticeships as an equal option to university.
Summary of cuts proposed for 2015-16, to be discussed at Brighton & Hove Council meeting on 26th February 2015. Source of all figures: http://present.brighton-hove.gov.uk/mgAi.aspx?ID=43726#mgDocuments
This document discusses how to solve systems of linear equations by graphing. There are 4 steps: 1) Put both equations in slope-intercept form; 2) Graph both equations on the same coordinate plane; 3) Estimate where the graphs intersect, which is the solution; 4) Check that the solution makes both equations true. It provides examples of solving systems of two linear equations with two variables by graphing them and finding the point where the lines intersect.
Changing Seasons FCU is offering a new eAlerts service to notify members via email or text of important account updates in real-time such as insufficient funds, direct deposits, loan due dates, and large transactions to help prevent fraud; members can sign up on the credit union's website or by speaking to a representative; the 100th member to enroll by May 31st will win $100.
The document discusses effective engagement between academics and government/non-governmental organizations on issues related to aging. It provides tips for academics, including writing clearly and understand potential audiences, disseminating research throughout the process, and partnering with think tanks who can help communicate research to policymakers. Academics are encouraged to make the research process open and accessible to non-academic audiences.
This document provides examples for teaching students about properties of numbers and operations, including the commutative, associative, and distributive properties. It includes practice problems identifying which properties are illustrated in equations and using the properties to simplify expressions. Step-by-step workings are shown for problems involving addition, subtraction, multiplication, and applying the distributive property to multiplication. A brief quiz is included to assess student understanding.
The document discusses the demographics of the British Asian population in Birmingham and the United Kingdom. Analysis of census data shows that British Asians have a younger population structure compared to the overall population, with more children and fewer elderly, indicating a need for skills training. While the British Asian/Asian population makes up around 7% of the total UK population, only 4.2% enter apprenticeships, below what would be expected based on population size. The awards aim to showcase talent within the British Asian community and encourage more young Asian people to consider apprenticeships as an equal option to university.
Summary of cuts proposed for 2015-16, to be discussed at Brighton & Hove Council meeting on 26th February 2015. Source of all figures: http://present.brighton-hove.gov.uk/mgAi.aspx?ID=43726#mgDocuments
This document discusses how to solve systems of linear equations by graphing. There are 4 steps: 1) Put both equations in slope-intercept form; 2) Graph both equations on the same coordinate plane; 3) Estimate where the graphs intersect, which is the solution; 4) Check that the solution makes both equations true. It provides examples of solving systems of two linear equations with two variables by graphing them and finding the point where the lines intersect.
Changing Seasons FCU is offering a new eAlerts service to notify members via email or text of important account updates in real-time such as insufficient funds, direct deposits, loan due dates, and large transactions to help prevent fraud; members can sign up on the credit union's website or by speaking to a representative; the 100th member to enroll by May 31st will win $100.
The document discusses effective engagement between academics and government/non-governmental organizations on issues related to aging. It provides tips for academics, including writing clearly and understand potential audiences, disseminating research throughout the process, and partnering with think tanks who can help communicate research to policymakers. Academics are encouraged to make the research process open and accessible to non-academic audiences.
This document provides examples for teaching students about properties of numbers and operations, including the commutative, associative, and distributive properties. It includes practice problems identifying which properties are illustrated in equations and using the properties to simplify expressions. Step-by-step workings are shown for problems involving addition, subtraction, multiplication, and applying the distributive property to multiplication. A brief quiz is included to assess student understanding.
16 mar15 final ppt presentation - incompleteILC- UK
The document summarizes research presented by Ben Franklin of the International Longevity Centre-UK on the long-term financial implications of choices made at retirement. The research modeled the impact of four retirement scenarios - annuitizing, cashing out savings, holding savings in low-interest accounts, or keeping funds invested - on retirees' replacement incomes over time. It found those highly dependent on defined contribution savings face the most risk if they cash out, and recommends new defaults include annuities for this group to guarantee lifetime income and improve guidance on retirement options.
The document provides examples and explanations for adding, subtracting, and evaluating expressions with integers on a number line and using absolute value. It includes step-by-step work with integers like finding the sum of -7 + -7, evaluating expressions like 13 + r for r = -15, and an example word problem about the number of dogs in a shelter.
The document provides instructions for using the features on the XE.com currency conversion website. It explains how to perform a currency conversion by selecting amounts and currencies using drop-down menus and clicking "Convert". It also describes how to access additional tools like currency charts and news by mousing over and clicking links in the main Tools menu.
The document provides information about library procedures and expectations for students at the Dove Elementary Library. It outlines behavior expectations of using quiet voices and walking feet. It details check out expectations, including the number and types of items students can check out depending on their grade level. The duration and times for check outs are also summarized, along with the check out procedures students should follow.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
1) The document discusses evaluating expressions using exponents. It provides examples of evaluating expressions when n=3, including 13n, 9/n, 3n + n, n2, 53, and 84.
2) Students are asked to write out the factors of powers like 25, 82, and (1/3)4 and then evaluate each expression.
3) Exponents, bases, and factors are defined and related to calculating the product of a power.
This document defines absolute value and discusses solving absolute value equations in 3 sentences or less:
Absolute value is the distance between zero and a number on the number line, and absolute value equations can be solved by rewriting the equation as two separate equations setting the absolute value expression equal to both its positive and negative values. The document provides examples of solving absolute value equations, identifying when an equation has no solution, and applying absolute value to word problems involving acceptable ranges.
The document discusses various jQuery anti-patterns that can negatively impact performance and compression, and provides recommendations to improve them. It covers caching DOM selections and length, using document fragments to append content, leveraging event delegation, minimizing DOM touches, and optimizing selectors. It also discusses mangling variable names and using compression tools like YUI Compressor to reduce file size.
The document provides examples and explanations for dividing rational numbers including fractions, decimals, and evaluating expressions with variables. It discusses dividing fractions by writing the division problem as a multiplication problem using reciprocals. It also covers dividing decimals by multiplying both numbers by a power of 10 to make the divisor an integer. Examples are provided for setting up and solving word problems involving division of rational numbers.
The document provides an overview of the developmental progression of writing skills focused on communicating ideas from pre-level 1 to level 1. It describes how students progress from using letters and words to convey meaning in their writing to writing simple texts about familiar topics using letters, words, and basic punctuation. The indicators of progress show how students begin to sequence ideas and write for different purposes as their skills develop.
This document summarizes the benefits of outsourcing accounting and financial processes. It outlines that outsourcing can provide better control over finances, reduce risks, improve performance, and save money compared to maintaining an in-house team. Specific benefits mentioned include more time, clearer financial pictures, faster information, guaranteed compliance, well-defined service levels, and only paying for required services without additional recruitment, training, or payroll costs. The document is from an outsourcing director providing an overview of their accounting and financial outsourcing services.
This document provides examples and explanations for graphing and writing systems of linear inequalities in two variables. It defines a system of linear inequalities as two or more linear inequalities in the same two variables. Examples show how to graph each inequality individually and find the intersection of the half-planes to obtain the solution set. The document also provides an example of writing a system of inequalities to represent a shaded region on a graph.
Customer Segmentation: How to ‘Profile’ Your Subscribers and Boost Email Camp...Email Delivered
Three problems that occur when you don’t use customer segmentation are the “one size does not fit all” syndrom, message to subscriber match (or lack there of), and confusing prospects with customers. In this article we’ll tell you how to avoid all three.
This document provides examples for solving two-step linear equations and inequalities. It begins with examples of solving two-step inequalities by using the reverse order of operations to isolate the variable. It then discusses multiplying or dividing both sides of an inequality by a negative number. Additional examples include solving inequalities containing fractions and a word problem about a school club selling bumper stickers.
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.
Jacquie White, Deputy Director of NHS England Long Term Conditions, Older People & End of Life Care and Dr Eileen Pepler, Academic, Researcher and Consultant in the Canadian Healthcare will discuss how NHS England work in chronic disease is being translated into a Canadian context.
The path to integration: health and social care – Elaine BaylissNHS Improving Quality
Quality of Life and Death Electronic Palliative Care Co-ordination Systems (EPaCCS)
Improving End of Life Care – Elaine Bayliss
The Path to Integration Health and Social Care
The Wirral Way
Elaine Bayliss is an Improvement Manager and Domain Lead for End of Life Care and EPaCCS, NHS IQ
Presented at NHS Confed 2013
16 mar15 final ppt presentation - incompleteILC- UK
The document summarizes research presented by Ben Franklin of the International Longevity Centre-UK on the long-term financial implications of choices made at retirement. The research modeled the impact of four retirement scenarios - annuitizing, cashing out savings, holding savings in low-interest accounts, or keeping funds invested - on retirees' replacement incomes over time. It found those highly dependent on defined contribution savings face the most risk if they cash out, and recommends new defaults include annuities for this group to guarantee lifetime income and improve guidance on retirement options.
The document provides examples and explanations for adding, subtracting, and evaluating expressions with integers on a number line and using absolute value. It includes step-by-step work with integers like finding the sum of -7 + -7, evaluating expressions like 13 + r for r = -15, and an example word problem about the number of dogs in a shelter.
The document provides instructions for using the features on the XE.com currency conversion website. It explains how to perform a currency conversion by selecting amounts and currencies using drop-down menus and clicking "Convert". It also describes how to access additional tools like currency charts and news by mousing over and clicking links in the main Tools menu.
The document provides information about library procedures and expectations for students at the Dove Elementary Library. It outlines behavior expectations of using quiet voices and walking feet. It details check out expectations, including the number and types of items students can check out depending on their grade level. The duration and times for check outs are also summarized, along with the check out procedures students should follow.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
1) The document discusses evaluating expressions using exponents. It provides examples of evaluating expressions when n=3, including 13n, 9/n, 3n + n, n2, 53, and 84.
2) Students are asked to write out the factors of powers like 25, 82, and (1/3)4 and then evaluate each expression.
3) Exponents, bases, and factors are defined and related to calculating the product of a power.
This document defines absolute value and discusses solving absolute value equations in 3 sentences or less:
Absolute value is the distance between zero and a number on the number line, and absolute value equations can be solved by rewriting the equation as two separate equations setting the absolute value expression equal to both its positive and negative values. The document provides examples of solving absolute value equations, identifying when an equation has no solution, and applying absolute value to word problems involving acceptable ranges.
The document discusses various jQuery anti-patterns that can negatively impact performance and compression, and provides recommendations to improve them. It covers caching DOM selections and length, using document fragments to append content, leveraging event delegation, minimizing DOM touches, and optimizing selectors. It also discusses mangling variable names and using compression tools like YUI Compressor to reduce file size.
The document provides examples and explanations for dividing rational numbers including fractions, decimals, and evaluating expressions with variables. It discusses dividing fractions by writing the division problem as a multiplication problem using reciprocals. It also covers dividing decimals by multiplying both numbers by a power of 10 to make the divisor an integer. Examples are provided for setting up and solving word problems involving division of rational numbers.
The document provides an overview of the developmental progression of writing skills focused on communicating ideas from pre-level 1 to level 1. It describes how students progress from using letters and words to convey meaning in their writing to writing simple texts about familiar topics using letters, words, and basic punctuation. The indicators of progress show how students begin to sequence ideas and write for different purposes as their skills develop.
This document summarizes the benefits of outsourcing accounting and financial processes. It outlines that outsourcing can provide better control over finances, reduce risks, improve performance, and save money compared to maintaining an in-house team. Specific benefits mentioned include more time, clearer financial pictures, faster information, guaranteed compliance, well-defined service levels, and only paying for required services without additional recruitment, training, or payroll costs. The document is from an outsourcing director providing an overview of their accounting and financial outsourcing services.
This document provides examples and explanations for graphing and writing systems of linear inequalities in two variables. It defines a system of linear inequalities as two or more linear inequalities in the same two variables. Examples show how to graph each inequality individually and find the intersection of the half-planes to obtain the solution set. The document also provides an example of writing a system of inequalities to represent a shaded region on a graph.
Customer Segmentation: How to ‘Profile’ Your Subscribers and Boost Email Camp...Email Delivered
Three problems that occur when you don’t use customer segmentation are the “one size does not fit all” syndrom, message to subscriber match (or lack there of), and confusing prospects with customers. In this article we’ll tell you how to avoid all three.
This document provides examples for solving two-step linear equations and inequalities. It begins with examples of solving two-step inequalities by using the reverse order of operations to isolate the variable. It then discusses multiplying or dividing both sides of an inequality by a negative number. Additional examples include solving inequalities containing fractions and a word problem about a school club selling bumper stickers.
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.
Jacquie White, Deputy Director of NHS England Long Term Conditions, Older People & End of Life Care and Dr Eileen Pepler, Academic, Researcher and Consultant in the Canadian Healthcare will discuss how NHS England work in chronic disease is being translated into a Canadian context.
The path to integration: health and social care – Elaine BaylissNHS Improving Quality
Quality of Life and Death Electronic Palliative Care Co-ordination Systems (EPaCCS)
Improving End of Life Care – Elaine Bayliss
The Path to Integration Health and Social Care
The Wirral Way
Elaine Bayliss is an Improvement Manager and Domain Lead for End of Life Care and EPaCCS, NHS IQ
Presented at NHS Confed 2013
Here are some potential product/service ideas to address the needs of the customer personas provided:
For Michael: Guided tour packages for solo travelers over 65 to popular destinations
For Jenny: Fitness classes tailored for active seniors, childcare services for grandparents
For Robert: Light meal delivery service for seniors living alone, transportation services for medical appointments
For Desmond: Multi-day hiking/cycling tours for active retirees, educational workshops/classes on topics of interest
The ideas aim to provide social activities and services that address needs around travel, fitness, independence, and lifelong learning for older adults with varying interests and abilities. Getting feedback from customers would help refine the concepts.
The document summarizes a meeting about long-term care in Europe. The key points are:
1) An aging population in Europe will triple the number of people over 80 requiring long-term care in the next 50 years, increasing demand and straining budgets as there will be fewer working people.
2) Member states will need to shift from a reactive to a proactive policy to address this by increasing citizen autonomy through technology, increasing home care efficiency, and better integrating health and social care.
3) The EU can support member states by promoting testing of new solutions, funding research and innovation, and helping members states learn from each other through programs like the European Innovation Partnership on Active and Healthy A
This document summarizes the work of the Institute of Fundraising (IoF), a membership organization for UK charities. It discusses IoF's founding, members, services provided, and the current fundraising climate in the UK and Wales. Austerity measures have increased competition for donations while public needs rise. However, data shows that well-run campaigns, community fundraising, and digital outreach can continue growing income. The IoF offers training to help members improve fundraising techniques and remain successful amid challenges.
This document discusses challenges with accessing accessible housing for people living with motor neurone disease (MND) in the UK. It summarizes a survey that found the top challenges were cost of home adaptations, lack of financial assistance, and lengthy timeframes. It also outlines issues with the Disabled Facilities Grant (DFG) program, including lengthy wait times that do not reflect how quickly MND progresses. Recommendations include fast-tracking applications for people with terminal illnesses, increasing funding, and improving information and support systems at local and national levels.
The document discusses using simulation modeling to assess the impact of proposed changes to healthcare services for patients with long-term conditions and complex care needs. It provides examples of scenarios that were modeled, including transferring some resources from unscheduled to community care. The online simulation tool allows users to input different scenarios, compare results to baseline data, and share scenarios with other users. The tool aims to help healthcare organizations test potential service changes before implementing them.
This document provides an agenda and materials for a workshop on personalization for long term conditions. The agenda includes sessions on local priorities, national overviews, interactive exercises, simulation modeling, and developing declarations. Key topics covered include person-centered care, long term conditions, coordinated rather than integrated care, strategies for embedding personal care planning, and new models of care. Simulation modeling is demonstrated as a way to test new integrated care service models and discharge planning. The workshop aims to support moving care delivery toward a more whole-person approach.
Integrated data to support service redesign decision making 19 01 2016 finalNHS Improving Quality
Integrated data to support service redesign decision making
Leeds LTC Year of Care Commissioning Early Implementer Site
Tricia Cable, Year of Care Lead
Alison Phiri, Business Intelligence Manager
Mohini Chauhan, Year of Care Commissioning Manager
Understanding the impact of welfare reforms on households in the South EastPolicy in Practice
With the lower Benefit Cap coming in Autumn 2016 and Universal Credit firmly in its implementation phase, knowing what impact welfare reform policies will have on individual households is more critical than ever.
It’s also important to understand the impact of interventions. Targeting support to those households where it will have the greatest impact is crucial as local authorities continue to find ways to deliver more with less.
This Policy in Practice seminar from Wednesday 28 September 2016 showcased pioneering work being done by two London councils, Croydon and Tower Hamlets. Their work combines pre-emptive analysis with proactive programmes that will reach out to households and offer support, before reforms hit them.
This presentation by Bethan Clemence and Jim McManus to the East of England Local Improvement Network for Housing provides a case study of health and housing work in Hertfordshire
Learning Disabilities: Share and Learn Webinar - 23 February 2017NHS England
Topic one: Transforming care and the future funding of supported housing.
Guest speaker: Amy Swan, Learning Disability Programme, NHS England.
NHS England estimates that around 2,400 people with a learning disability and/or autism will require new living arrangements upon discharge from inpatient care by March 2019. Supported housing plays a crucial role in enabling people to live in the community.
From 1 April 2019 the Government has proposed to bring in a new funding model for supported housing costs, capping housing benefit to LHA rates. This presentation discusses the recent government consultation on proposals for a new housing costs funding model for supported housing and how to mitigate the resulting impact on Transforming Care.
Topic Two: Care and Treatment Review – key changes in the refreshed policy
Guest Speakers: Maggie Graham and Gavin Harding, Learning Disability Programme, NHS England
This presentation talks about some of the key changes in the refreshed Care and Treatment Review policy.
LTC year of care commissioning early implementer sites workshop held on 1 December 2014. Featuring Dr Martin McShane, Rob Meaker and Renata Drinkwater.
COVID19 Transport, travel & social adaptation study Wave 1 panel survey: inte...DecarboN8
COVID19 Transport, travel & social adaptation study Wave 1 panel survey: interim findings
University of Leeds, Institute for Transport Studies
Professor Greg Marsden
Professor Jillian Anable
Dr Llinos Brown
University of Stirling
Professor Iain Docherty
NHS England and partners have published six Quick Guides to bring clarity on how best to work with the care sector. They can be accessed at www.nhs.uk/quickguides
Want to find out how the care sector can support local systems in the run up to winter? Want to break down barriers between health and care organisations? Want to find out how Leicester has achieved a 60% reduction in care home admission costs? Want to finally break down the myths around sharing patient information and assessments? Want to use other people's ideas and resources?
Webinar outcomes:
Introduction to the care homes quick guides
Two examples of models referenced in the guides:
- Angela Dempsey, Baker Tilly on the Quest4care tool
- Dawn Moody on MDT working and a model implemented in a CCG
Guest Speakers: Nicola Spencer and Emily Carter - NHS England
Using models-of-care-to-understand-the-impact-of-networks-of-care-for-lt csNHS Improving Quality
The document discusses using models of care to understand the impact of networks of care for long term conditions. It describes a patient-centered "House of Care" framework for delivering coordinated care to people with long term conditions. The House of Care aims to provide person-centered care that addresses all of a patient's needs at both the local level, through integrated systems involving health, social care and other services, and at the personal level through care planning and self-management support. Implementing the House of Care framework could save the NHS money by reducing unplanned hospital admissions and empowering patients.
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...ILC- UK
The Healthy Ageing and Prevention Index is an online tool created by ILC that ranks countries on six metrics including, life span, health span, work span, income, environmental performance, and happiness. The Index helps us understand how well countries have adapted to longevity and inform decision makers on what must be done to maximise the economic benefits that comes with living well for longer.
Alongside the 77th World Health Assembly in Geneva on 28 May 2024, we launched the second version of our Index, allowing us to track progress and give new insights into what needs to be done to keep populations healthier for longer.
The speakers included:
Professor Orazio Schillaci, Minister of Health, Italy
Dr Hans Groth, Chairman of the Board, World Demographic & Ageing Forum
Professor Ilona Kickbusch, Founder and Chair, Global Health Centre, Geneva Graduate Institute and co-chair, World Health Summit Council
Dr Natasha Azzopardi Muscat, Director, Country Health Policies and Systems Division, World Health Organisation EURO
Dr Marta Lomazzi, Executive Manager, World Federation of Public Health Associations
Dr Shyam Bishen, Head, Centre for Health and Healthcare and Member of the Executive Committee, World Economic Forum
Dr Karin Tegmark Wisell, Director General, Public Health Agency of Sweden
06Mar24 Mental health EU roundtable slides.pptxILC- UK
The document summarizes a meeting discussing policy priorities for mental health in Belgium and the EU. It provides global context on the burden of mental illness, with anxiety and depression most common. Data is presented on government spending and suicide rates in various countries. The meeting objectives are to compare approaches to mental health diagnoses in different countries and make policy recommendations. Barriers to universal coverage for mental disorders are discussed. The EU's initiatives to address workplace wellbeing, youth mental health, and underserved groups are highlighted. Roundtable discussions center on social and health system factors affecting treatment journeys, and what countries can learn from each other. Conclusions will be presented on addressing acute mental health challenges across the EU.
The document summarizes a conference on healthy aging and longevity in Europe organized by the International Longevity Centre (ILC) Europe Network. It provides an agenda for the conference including sessions on prevention and health interventions to live longer, vaccination rates across Europe, and creating age-friendly cities. The document also shares results from ILC's Healthy Ageing and Prevention Index, which ranks countries on metrics like life expectancy, health spending, and environment. It finds gaps between Western and Eastern European countries and recommends increased investment in prevention to help populations age healthier and live longer.
Redefining lifelong learning webinar presentation slides.pptxILC- UK
We know that we’re living longer, which means many people will also be working for longer. One in seven people over 65 are still employed in the UK, but we’re still seeing challenges in our labour markets.
According to the ILC’s Healthy Ageing and Prevention Index, the UK’s work span is only 31.5 years, ranking the UK 47th out of 121 countries. Skills shortages driven by demographic change are hitting all sectors of the UK’s economy: by 2030, we could see a shortage of 2.6 million workers. On the other hand, if UK employment rates for those aged 50 to 64 matched the rates of those aged 35 to 49, the country’s GDP would increase by more than 5%.
One way to improve work span and employment is through lifelong learning. However, in the UK, as the Learning and Work Institute’s Adult Participation in Learning survey showed, rates of learning continue to fall with age. In 2023, only 36% of people aged 55 to 64, 24% of those aged 65 to 74, and 17% of those aged 75 and over said that they’d taken part in any kind of learning in the past three years.
To better understand the approaches in other countries, we consulted with experts in lifelong learning, both from the UK and globally. ILC's report, in collaboration with Phoenix Insights, Redefining lifelong learning: lessons from across the globe considers the approaches taken in Singapore, Japan, South Korea, Canada, Germany, the Netherlands and Sweden. While each country’s approach is different, and shaped by its wider cultural, political and economic context, there are some common threads including: learning culture; the range of learning opportunities on offer; levels of support and investment; and accessibility
"If only I had"... LV= insights into retirement planning webinarILC- UK
As part of this debate LV= shares the findings from their quarterly Wealth and Wellbeing research programme, which surveys a nationally representative sample of 4,000 adults across the UK on a variety of topics, including their changing attitude to their finances and their wider wellbeing.
Healthy Ageing and Prevention Index - Our impactILC- UK
The document summarizes the work of ILC (International Longevity Centre) on their prevention programme from 2019-2022, which included establishing the Healthy Ageing and Prevention Index. Some key activities included:
- Engaging stakeholders worldwide to build consensus on prevention and healthy aging issues
- Influencing international organizations like G20, WHO, and UN to prioritize prevention
- Launching the Prevention Index, which ranks 121 countries on metrics like life expectancy, health spending, and happiness
- Establishing a coalition of over 30 organizations to endorse and support the Index's goals
- Hosting numerous global forums to discuss findings and identify policy solutions
Alongside the G20 Health Ministers’ meeting in Gandhinagar, India, in August, ILC-India and ILC-UK held a joint high-level side event to amplify the importance of healthy ageing and prevention among the G20.
Plugging the gap: Estimating the demand and supply of jobs by sector in 2030ILC- UK
The UK economy could see a shortfall of 2.6 million workers by 2030 – almost twice the workforce of the NHS – as a result of population ageing, the COVID pandemic and Brexit.
These shortfalls will affect the whole economy, with manufacturing, retail, construction, transport, health and social care among the sectors projected to be hardest hit.
To plug these gaps, Government must introduce a comprehensive Workforce Strategy looking at:
How to support people to stay in the workforce for longer, e.g. by supporting healthy workplaces, supporting carers and creating flexible conditions that suit people’s needs.
How to ameliorate childcare costs and reintegrate people into the workforce following timeout for caring or a health need
The role of migration and automation in addressing major workforce gaps
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alon...ILC- UK
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alongside the World Health Assembly
Date: Tuesday 23 May 2023
Time: 13.00 – 14.30 (CET), followed by refreshments
Location: Geneva Press Club, Geneva, Switzerland
Global launch of the Healthy Ageing and Prevention Index alongside the 76th World Health Assembly
Date: Tuesday 23 May 2023
Time: 3.30pm – 4.30pm (CET) launch, followed by networking with refreshments
Location: Geneva Press Club, Geneva, Switzerland
G7 high-level side event in Niigata: Healthy ageing and prevention
Date: Wednesday 10 May 2023
Time: 2.00pm – 3.30pm (JST), followed by networking with refreshments
Location: Niigata, Japan
Vaccine confidence in Central and Eastern Europe working lunchILC- UK
At this exclusive working lunch, we discussed the International Longevity Centre UK’s (ILC-UK) forthcoming report on vaccine confidence in Central & Eastern Europe (CEE).
During this event, we shared the findings from our policy publication on what we think should be the priorities for the G20 in India and the key messages we want to disseminate to ministers and world leaders. We heard from experts on the opportunities and challenges to engage India and the G20 with prevention and healthy ageing and identify further opportunities to maximise our engagement while at the G20 in September.
Final Marathon or sprint launch Les Mayhew slides 19 April.pptxILC- UK
Research by the International Longevity Centre UK (ILC) funded by Bayes Business School — based on Commonwealth Games competitor records since the inaugural event in 1930 — shows large differences in the longevity of medal winners compared to people in the general population that were born in the same year. A report finds that top-level sports people can live over 5 years longer than the rest of the population.
Launching Trial and error: Supporting age diversity in clinical trialsILC- UK
During this virtual event, Esther McNamara, ILC's Senior Health Policy Lead, presents the Trial and error report’s findings and recommendations. A panel of five experts respond to the report and discuss how improved age diversity will benefit patients of all ages.
Report launch - Moving the needle: Improving uptake of adult vaccination in J...ILC- UK
Launch of the Moving the needle report, produced by ILC-UK in partnership with Stripe Partners.
This event was chaired by Dr Noriko Cable, Honorary Senior Research Fellow, Institute of Epidemiology & Health, UCL. Speakers include:
Arabella Trower, Senior Consultant, Stripe Partners
David Sinclair, Chief Executive, ILC-UK
Dr Charles Alessi, Chief Clinical Officer, éditohealth
Jason James, Director General, Daiwa Anglo-Japanese Foundation
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Exploring patterns of expenditure among older people and what explains these
1. Exploring patterns of expenditure among older
people and what explains these
David Hayes and Andrea Finney
Personal Finance Research Centre
University of Bristol
1www.pfrc.bris.ac.uk/esrc
20 May 2013
2. Who we are
• Independent social research centre
• Credit use and overindebtedness; financial
exclusion; financial capability and wellbeing
• Quantitative and qualitative research
• Research usually funded by government,
charities and industry
www.pfrc.bris.ac.uk/esrc 2
3. Today
• The analysis in context
• The analysis process
• Data considerations
• Findings:
• Structured around three stages of analysis
www.pfrc.bris.ac.uk/esrc 3
4. The bigger project: Financial dimensions of
wellbeing among older people
• Funded by Economic and Social Research Council
• Secondary Data Analysis Initiative
• Collaboration with ILC-UK (think tank); and Prof.
Kelvyn Jones (methodological expertise)
• Using nine datasets: BSFC; ELSA; EU-SILC; LCF;
US; WAS; and WVS; and two qualitative datasets
www.pfrc.bris.ac.uk/esrc 4
5. Research Questions
1. What are the dominant patterns of expenditure among older
people and what explains these?
2. How do patterns of consumer borrowing, over-indebtedness and
financial inclusion vary into and beyond retirement?
3. What are the main components of wealth among older people
and how do these vary into and beyond retirement?
4. What is the relationship between financial well-being and quality
of life among older people?
www.pfrc.bris.ac.uk/esrc 5
6. Three steps to addressing Research Question 1
• Describe average expenditure by age group and
other key variables of interest (descriptive);
• Segment older households based on their
patterns of expenditure (cluster analysis);
• Interpret the clusters (descriptive/multinomial
logistic regression analysis).
www.pfrc.bris.ac.uk/esrc 6
7. Data Considerations
• Detail of expenditure unique to LCF
• Using the 12 COICOP classifications
• Using household level expenditure
• Good sample of HRPs aged 50+ (n = 2,931)
• To cover transition into and beyond retirement
• Good distribution of age groups (even 80+ ~ 12%)
www.pfrc.bris.ac.uk/esrc 7
10. Absolute expenditure by age
• Overall expenditure decreases with age
• From £510 (50-54s) to £190 (80+)
• Proportion spent on
• Food & non-alcoholic drink increases with age
• Housing, fuel & power doubles over the age range
• Communication remains constant
www.pfrc.bris.ac.uk/esrc 10
11. Equivalising expenditure
• Abs. expenditure influenced by household size
• Equivalising adjusts for household size
• And is commonly used to adjust income
• Used OECD scale in favour of McClements
• EUROSTAT and UK government standard
www.pfrc.bris.ac.uk/esrc 11
12. Equivalised expenditure by age
• Overall expenditure decreases with age
• From £286 (50-54s) to £160 (80+)
• Proportion spent on
• Food & non-alc. drink increases with age (12-19%)
• Housing, fuel & power doubles (12-24%)
• Communication remains constant (3%)
www.pfrc.bris.ac.uk/esrc 12
13. Further findings
• The proportion spent on:
• Clothing & footwear halves from 6% to 3%
• Transport decreases from 18% to 7%
• Recreation drops from 16% to 11%
• Little variation in expenditure on alcohol &
tobacco and household goods & services
www.pfrc.bris.ac.uk/esrc 13
15. The cluster analysis process
• Exploring how types of expenditure co-vary
• Identifies dominant patterns
• Classifies people into segments based on these
• Cluster variate are the 12 COICOP exp. categories
• Removed outliers (5 SDs) – leaving an n of 2,769
• A two stage process – hierarchical/quick cluster
www.pfrc.bris.ac.uk/esrc 15
16. Six cluster solution
Percentage in cluster (%) Mean weekly expenditure (£)
Cluster one 46 138
Cluster two 19 228
Cluster three 12 405
Cluster four 9 245
Cluster five 4 392
Cluster six 11 231
www.pfrc.bris.ac.uk/esrc 16
The average equivalised expenditure across the sample is £217.
17. Drivers of cluster membership
• Highly statistically significant variations in
expenditure for all 12 categories
• Three categories were particularly strong
• Alcohol and tobacco
• Clothing and footwear
• Housing, fuel and power
www.pfrc.bris.ac.uk/esrc 17
19. Cluster one – Older Owners
• Lower than average expenditure (£138, cf. £217)
• Spend less on non-essentials such as recreation
(£20, cf. £33),and eating out (£10, cf. £19)
• Largest group, predominantly oldest-old
• Many homeowners retired (60%, cf. 50%)
• 38% in the lowest income quartile
www.pfrc.bris.ac.uk/esrc 19
20. Cluster two – The Foodies
• Very high expenditure on food (£58 to £34 ave)
• Close to average expenditure in other categories
• Mostly couples
• Very few households are renting (12%, cf.25%)
• Only 18% in lowest income quartile
www.pfrc.bris.ac.uk/esrc 20
21. Cluster three – The Socialites
• Highest expenditure at £405 per week
• Enjoy eating out, holidays and recreation (£76)
• 24% (cf.15%) on transport
• Three quarters under 65; 41% working full time
• Only three per cent of households rented
• More than half in highest income quartile
www.pfrc.bris.ac.uk/esrc 21
22. Cluster four - The Smokers
• Very high spend on tobacco (£36 per week/15%
of total expenditure, cf. 3%)
• Otherwise, about average expenditure
• One of the ‘younger’ clusters (62% under 65)
• Almost a third still in full-time employment
• Home-ownership is relatively low (42%, cf. 54%)
www.pfrc.bris.ac.uk/esrc 22
23. Cluster five - Recreation and Rags
• Along with cluster 3, the other high-spenders
• High spend on clothing, transport and recreation
• Only 21 per cent of this cluster are 70 and above
• 22 per cent multiple adult households (cf. 11%)
• A high percentage of self-employed (15% cf. 8%)
• Half of the cluster in the highest income quartile
www.pfrc.bris.ac.uk/esrc 23
24. Cluster six - The Renters
• Very high housing costs (39%; 16% average)
• 72% in rented accommodation (cf. 25%)
• All other expenditure is relatively low
• More single households
• Low transport costs (lowest petrol expenditure)
www.pfrc.bris.ac.uk/esrc 24
25. Summing up
• Equivalised expenditure decreases with age
• Six clusters of older people emerge
• Key correlates: age, income and tenure
• Next steps:
• Multinomial regression to aid interpretation
• Review and refine
• Consider implications for policy
www.pfrc.bris.ac.uk/esrc 25
26. Questions and further discussion
www.pfrc.bris.ac.uk/esrc 26
• http://www.bris.ac.uk/geography/research/pfrc/esrc/
• david.hayes@bristol.ac.uk
• @PFRC_David