This document discusses resource allocation systems for housing-related support. It outlines the strategic context and choices local authorities have in developing such systems. Personalization aims to give clients choice and control over how their needs are met. Housing-related support has unique considerations compared to social care, including its non-statutory nature. Individualized budgets that are client-controlled are believed to be more effective and efficient, but this needs to be balanced with strategic housing functions. Any system must be transparent, needs-based, and flexible to change over time.
This document discusses lessons learned from designing rent subsidy programs based on the Homelessness Prevention and Rapid Re-Housing Program (HPRP). It recommends tailoring rental assistance based on individual assessments, using progressive engagement, and establishing partnerships. Different rental assistance approaches like income-based, fixed, graduated, and declining subsidies are examined. Flexibility, targeting populations, and ensuring "just enough" assistance are important. Partnerships with landlords and mainstream services are critical. Most households exited homelessness quickly with temporary assistance.
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
This document summarizes My Client's plan to reallocate $2.9 million from its microfinance portfolio in Southern Sudan to Tanzania. Lower-than-expected demand in Southern Sudan has resulted in a smaller-than-projected loan portfolio. The reallocation plan projects that My Client will reach 88% of its original growth plan for number of borrowers by 2015 based on updated assumptions. It extends the repayment of loans to the Africa Loan Fund to 2017 to avoid default. The plan maintains My Client's development programs and preserves its relationships with investors.
Balancing Incentive Program Webinar (Nov 2011)edkako
This document outlines a work plan for states applying to a Medicaid program that supports providing long-term services and supports in community settings. The work plan requires states to standardize eligibility determination processes across agencies through a coordinated case management system with a single point of entry. It also mandates separating case management from direct service provision to prevent conflicts of interest. States must design an automated, two-stage eligibility system that conducts basic and full functional/financial assessments within 24 months of submitting their work plan.
Trends from Unique Mortgage Loss Mitigation Solutionstevecassia
This document outlines a proposal to improve mortgage loan performance and reduce foreclosures. It proposes inserting financial counseling from the National Foundation for Credit Counseling (NFCC) into the loss mitigation process using the OFS Process. This aims to help borrowers achieve financial stability so they are better able to sustain their home loans. Titanium Solutions would conduct outreach and administer the program. The proposal claims this approach could avoid millions in losses and generate high returns through improved participation and sustainable home retention.
The document describes three mortgage planning services: 1) The Personalized Mortgage Plan enables consumers to understand the total costs and benefits of different loan options to make the best financing decision; 2) The RateWatch Report provides ongoing monitoring of a mortgage's performance to determine if market changes warrant adjustments; 3) The Annual Equity Review takes an in-depth look at a mortgage's performance through assessing the homeowner's complete financial situation to optimize equity gains over time. These services empower homeowners to integrate their mortgage into their overall financial goals and plans.
The document provides information about making the business case for community engagement and participation. It discusses the costs and benefits of engagement, both monetary and non-monetary. Tools are presented for evaluating engagement initiatives, such as logframes to identify goals and indicators of success, and comparing engagement approaches to alternatives. An example from English Nature shows how engagement saved on potential legal costs compared to the costs of the engagement activities.
This document summarizes several options for homeowners who are behind on their mortgage payments or at risk of default. It describes repayment plans, loan modifications, partial claims, advances, the Home Affordable Modification Program, short sales, and deeds in lieu of foreclosure. The key benefits are that these options can bring the account up to date, provide a fresh start, and avoid the damaging effects of foreclosure in some cases.
This document discusses lessons learned from designing rent subsidy programs based on the Homelessness Prevention and Rapid Re-Housing Program (HPRP). It recommends tailoring rental assistance based on individual assessments, using progressive engagement, and establishing partnerships. Different rental assistance approaches like income-based, fixed, graduated, and declining subsidies are examined. Flexibility, targeting populations, and ensuring "just enough" assistance are important. Partnerships with landlords and mainstream services are critical. Most households exited homelessness quickly with temporary assistance.
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
This document summarizes My Client's plan to reallocate $2.9 million from its microfinance portfolio in Southern Sudan to Tanzania. Lower-than-expected demand in Southern Sudan has resulted in a smaller-than-projected loan portfolio. The reallocation plan projects that My Client will reach 88% of its original growth plan for number of borrowers by 2015 based on updated assumptions. It extends the repayment of loans to the Africa Loan Fund to 2017 to avoid default. The plan maintains My Client's development programs and preserves its relationships with investors.
Balancing Incentive Program Webinar (Nov 2011)edkako
This document outlines a work plan for states applying to a Medicaid program that supports providing long-term services and supports in community settings. The work plan requires states to standardize eligibility determination processes across agencies through a coordinated case management system with a single point of entry. It also mandates separating case management from direct service provision to prevent conflicts of interest. States must design an automated, two-stage eligibility system that conducts basic and full functional/financial assessments within 24 months of submitting their work plan.
Trends from Unique Mortgage Loss Mitigation Solutionstevecassia
This document outlines a proposal to improve mortgage loan performance and reduce foreclosures. It proposes inserting financial counseling from the National Foundation for Credit Counseling (NFCC) into the loss mitigation process using the OFS Process. This aims to help borrowers achieve financial stability so they are better able to sustain their home loans. Titanium Solutions would conduct outreach and administer the program. The proposal claims this approach could avoid millions in losses and generate high returns through improved participation and sustainable home retention.
The document describes three mortgage planning services: 1) The Personalized Mortgage Plan enables consumers to understand the total costs and benefits of different loan options to make the best financing decision; 2) The RateWatch Report provides ongoing monitoring of a mortgage's performance to determine if market changes warrant adjustments; 3) The Annual Equity Review takes an in-depth look at a mortgage's performance through assessing the homeowner's complete financial situation to optimize equity gains over time. These services empower homeowners to integrate their mortgage into their overall financial goals and plans.
The document provides information about making the business case for community engagement and participation. It discusses the costs and benefits of engagement, both monetary and non-monetary. Tools are presented for evaluating engagement initiatives, such as logframes to identify goals and indicators of success, and comparing engagement approaches to alternatives. An example from English Nature shows how engagement saved on potential legal costs compared to the costs of the engagement activities.
This document summarizes several options for homeowners who are behind on their mortgage payments or at risk of default. It describes repayment plans, loan modifications, partial claims, advances, the Home Affordable Modification Program, short sales, and deeds in lieu of foreclosure. The key benefits are that these options can bring the account up to date, provide a fresh start, and avoid the damaging effects of foreclosure in some cases.
More presentations from the NCVO Annual conference: http://www.ncvo-vol.org.uk/networking-discussions/blogs/20591 will help you innovate in your work.
Fiona Sheil, Public Service Delivery Officer, NCVO
This expert-led workshop explores the future of contract design, what it means for funding public services and th e legal and cultural implications for organisations like yours. Public service contracting is becoming more diverse in both size and structure. With large contracts being broken up and work being passed down supply chains in sub-contracts, you see a number of challenges arising.
If you are involved in contracting , our panel of senior national charity finance directors and civil servants will help you navigate some of the key difficulties, including modelling cash-flows in supply chains and managing the sharing of risk between providers.
1) The document outlines how microfinance works to lend money to the poor through self-help groups (SHGs). SHGs are small groups of people who save together and take small loans from the group funds or outside lenders.
2) Microfinance institutions (MFIs) promote the formation of SHGs and provide them loans. Commercial banks then lend to MFIs based on their strong repayment rates from SHGs.
3) The loans flow from commercial banks to MFIs to SHGs and finally to individual group members. This system allows even very small loans to be made profitably while maintaining high repayment rates, allowing many poor individuals to start businesses.
Alisa Lycheva on Restricted and Unrestricted Funding for Non-ProfitsJanice Dru
Alisa Lycheva, Director of Finance and Administration at HealthRight International (https://healthright.org), presented on August 20, 2015 on the topic of "Restricted and Unrestricted Funding for Non-Profits." She spoke to the Nonprofit Executive Directors group (http://bit.ly/nedgroup and http://bit.ly/nedmeet) - on LinkedIn and Meetup.
The leveraged lending market has developed its own set of market terms and conventions, many of which do not exist outside of this market. This webinar gives a basic overview of leveraged finance credit agreements and the legal issues that arise when working on leveraged loans.
Part of the webinar series: LEVERAGED FINANCE 2021
See more at https://www.financialpoise.com/webinars/
Dear readers
@Top 10 Lesson learned from the Book “The Art of the Good Life”
1. Peak-end Rule:
You remember the high point and the end point of your holiday, but the rest is forgotten.
Remind to make them as sweet as possible.
2. Plans are nothing. Planning is everything.
A good life is not a stable state or condition.
The good life is only achieved through constant readjustment.
3. Inflexibility as a Stratagem
When it comes to important issues, flexibility isn’t an advantage – it’s a trap.
Use radical inflexibility to reach long-term goals that would be unrealizable if their behavior were more flexible.
4. Reality Doesn’t Care About Your Feelings
Accepting reality is easy when you like what you see, but you’ve got to accept it even when you don’t – especially when you don’t.
5. Counter-productivity
A basic rule of the good life is as follows: if it doesn’t genuinely contribute something, you can do without it.
Next time, try switching on your brain instead of reaching for the nearest gadget.
6. Do Nothing Wrong and the Right Thing Will Happen
So do your best to systematically eliminate the downside in your life – then you’ll have a real chance of achieving a good life.
There are old pilots and there are bold pilots, but there are no bold old pilots.
7. Why You Didn’t Earn Your Successes
Your success are fundamentally based on things over which you have no control whatsoever.
Stay humble. Remind yourself daily that everything you are, everything you have and can do, is the result of blind chance.
8. Don’t make your emotions your compass.
Because our emotions are so unreliable, a good rule of thumb is to take them less seriously – especially the negative ones.
9. THE Authenticity Trap
Restrict authenticity to keeping your promises and acting according to your principles.
The rest is nobody else’s business.
10. THE 5 Second No
Once Seneca said: “All those who summon you to themselves, turn you away from your own self.”
So give the five-second no a trial run. If you cannot say ‘Yes’ to something in five seconds, the answer is ‘No’.
How to Grow Your Business By Making AcquisitionsSkoda Minotti
By making acquisitions, businesses can grow their overall critical mass and market position. The anatomy of an acquisition involves pre-acquisition planning and analysis, due diligence, deal negotiation, the acquisition closing, and post-acquisition integration. Mezzanine capital is a financing option for acquisitions that provides subordinated debt or preferred equity, allowing companies to increase leverage for an acquisition. Mezzanine financing involves higher costs but provides more flexibility than senior bank debt.
The document provides information about applying for funding from a trust. It outlines the application process which includes pre-application research, formulating a proposal, proposal assignment and assessment, and a final decision. Key steps are researching eligibility, ensuring the proposal clearly demonstrates how it meets the fund's criteria, and being prepared to provide additional information and participate in monitoring and evaluation if awarded funding. Strong proposals are concise, tailored to the specific fund, and show impact.
When financial needs arise, personal loans can provide a reliable solution. These loans come with a range of features and benefits that cater to diverse requirements. In this article, we will provide a comprehensive guide to personal loans, which will help you understand personal loans, their key aspects and how they can be effectively utilized.
This document discusses the Self Help Group (SHG) model, which involves forming small voluntary groups of 10-20 local women or men who save small amounts regularly and make small collateral-free loans to members. The summary discusses the key stages and functions of SHGs, including regular meetings, savings, credit, income generation, empowerment, formation of federations, and bank linkage. It also outlines the costs, impact, sustainability challenges, and limitations of the SHG model, such as inadequate training, poor record keeping, leadership issues, and delays in bank linkage. Overall, the SHG model aims to provide socio-economic development through community-based self-help and mutual cooperation.
The Flexicare Grant aims to provide an integrated housing and care model that offers choice, control, and affordable services for older residents. It proposes funding housing providers through multi-year grants to coordinate housing, care, activities, and other services. This would replace the current block contract system and allow residents to choose their care providers. The grant is intended to maximize value and flexibility while regulating costs through fair charging and oversight conditions. It could help expand the extra care housing options available for older residents of the county.
The document summarizes research on the quality of life insurance advice provided by agents in India. It finds that agents overwhelmingly recommend whole life policies over term life policies, even when term policies better meet customers' needs for risk coverage at low cost. Agents are motivated to recommend whole life due to higher commissions. The research tests whether the quality of advice improves when disclosure requirements make agency problems more transparent or when competition is increased. It uses an audit study approach with standardized customer profiles to evaluate agent recommendations across conditions.
CDC - an alternative way to keep collective schemes openHenry Tapper
This document discusses problems with defined benefit and defined contribution pension schemes and proposes collective defined contribution (CDC) schemes as an alternative. It summarizes that CDC schemes combine features of defined benefit and defined contribution schemes by offering target benefits rather than guarantees, collectively investing contributions, and adjusting benefits up or down based on funding levels. The document outlines how CDC schemes could work for both single and multi-employer plans as well as individuals, and provides contact information to learn more about CDC schemes.
The document outlines an Estate Preservation Plan which provides clients with a professionally drawn up will and life insurance to ensure their estate has sufficient liquidity to cover costs associated with estate administration and dependents' needs, as over 30% of estates currently lack adequate funds. The plan offers both underwritten and non-underwritten options to clients with estates of varying sizes to structure life insurance benefits that flexibly address executor fees, maintenance expenses, and potential shortfalls.
Types of NDIS Support Coordination_ Which One Is Right for You - Google Docs.pdfMy SC
Discover the key types of NDIS Support Coordination, and learn how to make the best choice for your needs. Expert guidance and tips included. Choose wisely.
Visit for more information:https://supportcoordinator01.blogspot.com/2023/10/types-of-ndis-support-coordination.html
Microfinance provides financial services like savings, lending, and insurance to low-income individuals in a sustainable way. It gives access to capital for micro-entrepreneurs and small businesses who otherwise would not have access to formal financial services. There are two main models for delivering microfinance - the self-help group (SHG) model and the microfinance institution (MFI) model. SHGs are informal associations of 10-20 members who meet regularly, pool savings, and use rotating loans within the group. Success in microfinance is measured by both the depth and breadth of outreach to poor people as well as the lasting positive impact it has on their lives through financial inclusion and self-employment
Property Investment Finance Hints, Tips and StrategieMark Joncheff
Presented by one of Australia's leading financial experts and founder of Connective, Murray Lees will show you how you can potentially save thousands of dollars in interest repayments, minimise risk and ultimately build a successful and sustainable portfolio.
The document summarizes a presentation on compliance hot topics and new regulations. It discusses top compliance concerns such as HMDA reporting requirements and implementing a compliance management system. It also outlines new regulations like the Ability to Repay and Qualified Mortgage rules which require lenders to determine a borrower's ability to repay a mortgage and defines criteria for qualified mortgages.
More presentations from the NCVO Annual conference: http://www.ncvo-vol.org.uk/networking-discussions/blogs/20591 will help you innovate in your work.
Fiona Sheil, Public Service Delivery Officer, NCVO
This expert-led workshop explores the future of contract design, what it means for funding public services and th e legal and cultural implications for organisations like yours. Public service contracting is becoming more diverse in both size and structure. With large contracts being broken up and work being passed down supply chains in sub-contracts, you see a number of challenges arising.
If you are involved in contracting , our panel of senior national charity finance directors and civil servants will help you navigate some of the key difficulties, including modelling cash-flows in supply chains and managing the sharing of risk between providers.
1) The document outlines how microfinance works to lend money to the poor through self-help groups (SHGs). SHGs are small groups of people who save together and take small loans from the group funds or outside lenders.
2) Microfinance institutions (MFIs) promote the formation of SHGs and provide them loans. Commercial banks then lend to MFIs based on their strong repayment rates from SHGs.
3) The loans flow from commercial banks to MFIs to SHGs and finally to individual group members. This system allows even very small loans to be made profitably while maintaining high repayment rates, allowing many poor individuals to start businesses.
Alisa Lycheva on Restricted and Unrestricted Funding for Non-ProfitsJanice Dru
Alisa Lycheva, Director of Finance and Administration at HealthRight International (https://healthright.org), presented on August 20, 2015 on the topic of "Restricted and Unrestricted Funding for Non-Profits." She spoke to the Nonprofit Executive Directors group (http://bit.ly/nedgroup and http://bit.ly/nedmeet) - on LinkedIn and Meetup.
The leveraged lending market has developed its own set of market terms and conventions, many of which do not exist outside of this market. This webinar gives a basic overview of leveraged finance credit agreements and the legal issues that arise when working on leveraged loans.
Part of the webinar series: LEVERAGED FINANCE 2021
See more at https://www.financialpoise.com/webinars/
Dear readers
@Top 10 Lesson learned from the Book “The Art of the Good Life”
1. Peak-end Rule:
You remember the high point and the end point of your holiday, but the rest is forgotten.
Remind to make them as sweet as possible.
2. Plans are nothing. Planning is everything.
A good life is not a stable state or condition.
The good life is only achieved through constant readjustment.
3. Inflexibility as a Stratagem
When it comes to important issues, flexibility isn’t an advantage – it’s a trap.
Use radical inflexibility to reach long-term goals that would be unrealizable if their behavior were more flexible.
4. Reality Doesn’t Care About Your Feelings
Accepting reality is easy when you like what you see, but you’ve got to accept it even when you don’t – especially when you don’t.
5. Counter-productivity
A basic rule of the good life is as follows: if it doesn’t genuinely contribute something, you can do without it.
Next time, try switching on your brain instead of reaching for the nearest gadget.
6. Do Nothing Wrong and the Right Thing Will Happen
So do your best to systematically eliminate the downside in your life – then you’ll have a real chance of achieving a good life.
There are old pilots and there are bold pilots, but there are no bold old pilots.
7. Why You Didn’t Earn Your Successes
Your success are fundamentally based on things over which you have no control whatsoever.
Stay humble. Remind yourself daily that everything you are, everything you have and can do, is the result of blind chance.
8. Don’t make your emotions your compass.
Because our emotions are so unreliable, a good rule of thumb is to take them less seriously – especially the negative ones.
9. THE Authenticity Trap
Restrict authenticity to keeping your promises and acting according to your principles.
The rest is nobody else’s business.
10. THE 5 Second No
Once Seneca said: “All those who summon you to themselves, turn you away from your own self.”
So give the five-second no a trial run. If you cannot say ‘Yes’ to something in five seconds, the answer is ‘No’.
How to Grow Your Business By Making AcquisitionsSkoda Minotti
By making acquisitions, businesses can grow their overall critical mass and market position. The anatomy of an acquisition involves pre-acquisition planning and analysis, due diligence, deal negotiation, the acquisition closing, and post-acquisition integration. Mezzanine capital is a financing option for acquisitions that provides subordinated debt or preferred equity, allowing companies to increase leverage for an acquisition. Mezzanine financing involves higher costs but provides more flexibility than senior bank debt.
The document provides information about applying for funding from a trust. It outlines the application process which includes pre-application research, formulating a proposal, proposal assignment and assessment, and a final decision. Key steps are researching eligibility, ensuring the proposal clearly demonstrates how it meets the fund's criteria, and being prepared to provide additional information and participate in monitoring and evaluation if awarded funding. Strong proposals are concise, tailored to the specific fund, and show impact.
When financial needs arise, personal loans can provide a reliable solution. These loans come with a range of features and benefits that cater to diverse requirements. In this article, we will provide a comprehensive guide to personal loans, which will help you understand personal loans, their key aspects and how they can be effectively utilized.
This document discusses the Self Help Group (SHG) model, which involves forming small voluntary groups of 10-20 local women or men who save small amounts regularly and make small collateral-free loans to members. The summary discusses the key stages and functions of SHGs, including regular meetings, savings, credit, income generation, empowerment, formation of federations, and bank linkage. It also outlines the costs, impact, sustainability challenges, and limitations of the SHG model, such as inadequate training, poor record keeping, leadership issues, and delays in bank linkage. Overall, the SHG model aims to provide socio-economic development through community-based self-help and mutual cooperation.
The Flexicare Grant aims to provide an integrated housing and care model that offers choice, control, and affordable services for older residents. It proposes funding housing providers through multi-year grants to coordinate housing, care, activities, and other services. This would replace the current block contract system and allow residents to choose their care providers. The grant is intended to maximize value and flexibility while regulating costs through fair charging and oversight conditions. It could help expand the extra care housing options available for older residents of the county.
The document summarizes research on the quality of life insurance advice provided by agents in India. It finds that agents overwhelmingly recommend whole life policies over term life policies, even when term policies better meet customers' needs for risk coverage at low cost. Agents are motivated to recommend whole life due to higher commissions. The research tests whether the quality of advice improves when disclosure requirements make agency problems more transparent or when competition is increased. It uses an audit study approach with standardized customer profiles to evaluate agent recommendations across conditions.
CDC - an alternative way to keep collective schemes openHenry Tapper
This document discusses problems with defined benefit and defined contribution pension schemes and proposes collective defined contribution (CDC) schemes as an alternative. It summarizes that CDC schemes combine features of defined benefit and defined contribution schemes by offering target benefits rather than guarantees, collectively investing contributions, and adjusting benefits up or down based on funding levels. The document outlines how CDC schemes could work for both single and multi-employer plans as well as individuals, and provides contact information to learn more about CDC schemes.
The document outlines an Estate Preservation Plan which provides clients with a professionally drawn up will and life insurance to ensure their estate has sufficient liquidity to cover costs associated with estate administration and dependents' needs, as over 30% of estates currently lack adequate funds. The plan offers both underwritten and non-underwritten options to clients with estates of varying sizes to structure life insurance benefits that flexibly address executor fees, maintenance expenses, and potential shortfalls.
Types of NDIS Support Coordination_ Which One Is Right for You - Google Docs.pdfMy SC
Discover the key types of NDIS Support Coordination, and learn how to make the best choice for your needs. Expert guidance and tips included. Choose wisely.
Visit for more information:https://supportcoordinator01.blogspot.com/2023/10/types-of-ndis-support-coordination.html
Microfinance provides financial services like savings, lending, and insurance to low-income individuals in a sustainable way. It gives access to capital for micro-entrepreneurs and small businesses who otherwise would not have access to formal financial services. There are two main models for delivering microfinance - the self-help group (SHG) model and the microfinance institution (MFI) model. SHGs are informal associations of 10-20 members who meet regularly, pool savings, and use rotating loans within the group. Success in microfinance is measured by both the depth and breadth of outreach to poor people as well as the lasting positive impact it has on their lives through financial inclusion and self-employment
Property Investment Finance Hints, Tips and StrategieMark Joncheff
Presented by one of Australia's leading financial experts and founder of Connective, Murray Lees will show you how you can potentially save thousands of dollars in interest repayments, minimise risk and ultimately build a successful and sustainable portfolio.
The document summarizes a presentation on compliance hot topics and new regulations. It discusses top compliance concerns such as HMDA reporting requirements and implementing a compliance management system. It also outlines new regulations like the Ability to Repay and Qualified Mortgage rules which require lenders to determine a borrower's ability to repay a mortgage and defines criteria for qualified mortgages.
Similar to Personalisation and Housing Support (20)
These lecture slides, by Dr Sidra Arshad, offer a simplified look into the mechanisms involved in the regulation of respiration:
Learning objectives:
1. Describe the organisation of respiratory center
2. Describe the nervous control of inspiration and respiratory rhythm
3. Describe the functions of the dorsal and respiratory groups of neurons
4. Describe the influences of the Pneumotaxic and Apneustic centers
5. Explain the role of Hering-Breur inflation reflex in regulation of inspiration
6. Explain the role of central chemoreceptors in regulation of respiration
7. Explain the role of peripheral chemoreceptors in regulation of respiration
8. Explain the regulation of respiration during exercise
9. Integrate the respiratory regulatory mechanisms
10. Describe the Cheyne-Stokes breathing
Study Resources:
1. Chapter 42, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 36, Ganong’s Review of Medical Physiology, 26th edition
3. Chapter 13, Human Physiology by Lauralee Sherwood, 9th edition
These lecture slides, by Dr Sidra Arshad, offer a quick overview of the physiological basis of a normal electrocardiogram.
Learning objectives:
1. Define an electrocardiogram (ECG) and electrocardiography
2. Describe how dipoles generated by the heart produce the waveforms of the ECG
3. Describe the components of a normal electrocardiogram of a typical bipolar lead (limb II)
4. Differentiate between intervals and segments
5. Enlist some common indications for obtaining an ECG
6. Describe the flow of current around the heart during the cardiac cycle
7. Discuss the placement and polarity of the leads of electrocardiograph
8. Describe the normal electrocardiograms recorded from the limb leads and explain the physiological basis of the different records that are obtained
9. Define mean electrical vector (axis) of the heart and give the normal range
10. Define the mean QRS vector
11. Describe the axes of leads (hexagonal reference system)
12. Comprehend the vectorial analysis of the normal ECG
13. Determine the mean electrical axis of the ventricular QRS and appreciate the mean axis deviation
14. Explain the concepts of current of injury, J point, and their significance
Study Resources:
1. Chapter 11, Guyton and Hall Textbook of Medical Physiology, 14th edition
2. Chapter 9, Human Physiology - From Cells to Systems, Lauralee Sherwood, 9th edition
3. Chapter 29, Ganong’s Review of Medical Physiology, 26th edition
4. Electrocardiogram, StatPearls - https://www.ncbi.nlm.nih.gov/books/NBK549803/
5. ECG in Medical Practice by ABM Abdullah, 4th edition
6. Chapter 3, Cardiology Explained, https://www.ncbi.nlm.nih.gov/books/NBK2214/
7. ECG Basics, http://www.nataliescasebook.com/tag/e-c-g-basics
Hiranandani Hospital in Powai, Mumbai, is a premier healthcare institution that has been serving the community with exceptional medical care since its establishment. As a part of the renowned Hiranandani Group, the hospital is committed to delivering world-class healthcare services across a wide range of specialties, including kidney transplantation. With its state-of-the-art facilities, advanced medical technology, and a team of highly skilled healthcare professionals, Hiranandani Hospital has earned a reputation as a trusted name in the healthcare industry. The hospital's patient-centric approach, coupled with its focus on innovation and excellence, ensures that patients receive the highest standard of care in a compassionate and supportive environment.
Rasamanikya is a excellent preparation in the field of Rasashastra, it is used in various Kushtha Roga, Shwasa, Vicharchika, Bhagandara, Vatarakta, and Phiranga Roga. In this article Preparation& Comparative analytical profile for both Formulationon i.e Rasamanikya prepared by Kushmanda swarasa & Churnodhaka Shodita Haratala. The study aims to provide insights into the comparative efficacy and analytical aspects of these formulations for enhanced therapeutic outcomes.
2. My background
• Lifetime in housing-related support
sector
• Helped Oldham introduce SP into
Individual Budgets pilot
• Project managed large scale
introduction of personalisation
programme in Medway for housing-
related support.
• Was also part of Right to Control
Kickstart support team
3. Aims of the Day
• To explore the particular
issues raised by developing
resource allocation
mechanisms for housing-
related support
• To outline the strategic
context and choices that
LAs have in how they
develop a RAS for HRS
• To demonstrate the HRS
resource allocation tool
published by ODI
4. Terminology
A wide policy objective that aims to
ensure that individual clients will have
• Personalisation choice and control over how their needs
are met
A process whereby the client
determines what their needs are and
• Self-Directed Support how they should be met
A sum that is anticipated will meet the
• Individual Budgets individual’s needs. Not necessarily
under direct control of individual.
An amount of money made available to
an individual client, under their control
• Personal Budgets and linked to achieving specific
outcomes. Term now used specifically
to refer to social care payment
• Direct Payments A mechanism for the payment of
Individualised Budgets
• Individual Service An alternative mechanism for the
payment of an IB, where a third party
Funds acts as the client’s agent to receive the
PB and provide or purchase service’s
on the clients behalf and under their
direction
8. Why is Housing Related Support
different to Adult Social Care
• Not a statutory right
• No infrastructure
• Different role for providers
• More specific objective
• BUT wider range of interventions
• Can be a passing need
• Different forms of contracting
• Not widely understood
9. Why do this ?
It is believed that this approach
• Is more effective in delivering
outcomes
• Is more efficient ie cheaper
• Enables more people to receive the
support they need
IS THIS REALISTIC ?
10. Individualised Budgets – Why
might they be cheaper
• Cost of meeting desired outcomes
rather than a fixed number of hours
week in week out.
• Many needs are time-limited but even
short-term contracts can go on for 2
years
• Involves moving from support
provision to support co-ordination
11. Different Personalisation
Models for HRS
• Standard block contracts but with
innovations
• Core hours plus flexi hours
• Core hours plus flexi hours plus cash
• Core hours plus separate entitlement
for DP
• Individual Service Funds
• Direct payments – payable in a
number of ways
12. Who to offer Individualised
Budgets to ?
Everyone in need of HRS
Everyone except those in immediate crisis
Those in need of
Everyone with persistent vulnerabilities Accommodation Based
Services ?
Everyone also with social care needs
Specific client groups
No one with HRS needs
13. Integrated housing and
support packages
What are the core functions of supported
housing beyond and above the delivery of
individualised support
• Monitoring of risk and continued
vulnerability
• Management of relationships
• Facilitation of mutual support
• Capacity to respond quickly
• Enhancing security and sense of security
14. Medway approach
• Supported Living Grant
• Has to be spent on limited number of
providers
• 3 levels of Grant
• Lowest level is renewable ad infinitum.
Higher levels are paid for 12 months
and can only be renewed for 5 years.
• Is always paid in conjunction with at
least one other grant element that is not
tied
15. How integrated ?
In Control’s view…….
Each funding stream allocates into a local pot a set amount of money
with a defined number of beneficiaries expected to achieve a
Full fixed outcome. One eligibility criteria is established for access to
the funding and one eligibility and allocation decision.
Identity of funding would be maintained, the use of funding would
continue to be restricted by the rules and regulations of each
funding stream. An eligibility check for each funding stream,
followed by a determination of how much money was available
Composite for what purpose and with what restrictions. Such an approach would
not be simple, resulting in a mesh of restrictions and
requirements, current eligibility mean it would
not be possible to deliver an upfront allocation prior to planning.
The funding stream and allocation of resources from it operate in
isolation of the other funding streams. Application, eligibility,
Discrete allocation and monitoring takes place in accordance with
discrete processes rules and regulations.
BUT is it as simple as this…….
16.
17. Principles behind design of
RAS process
• Needs to provides sufficient information to
distinguish relative levels of need
• Needs to be transparent and simple to
complete
• Needs to focus on outcomes
• Needs to be time-efficient and cost efficient
• Needs to encourages innovation and
flexibility
• Needs to be capable of adaptation and
change
• Needs to be fair and seen to be fair
18. ODI RAS
Sample Domain
high medium low none
living
No experience Some Is struggling
indepen
of experience of to live
Skills dently
independent tenancy independe
successf
living. failure. ntly.
ully
20. 1. Skills My Advisors Points
View View
To maintain the home environment undertaking day to
day tasks, including budgeting, cooking, cleaning etc
A) I require active and ongoing support to develop and o o 3
maintain independent living skills.
[Daily support]
B) I require regular support to develop and maintain o o 2
independent living skills.
[more than once a week]
C) I require one off or occasional support to develop and o o 1
maintain independent living skills.
[no more than once a month]
D) I have good independent living skills and do not need o o 0
paid support gain or maintain daily living skills.
[no support]
21. Problem with ODI RAS
Addresses dimension of how
much
BUT not how long for
22. Medway – Example of time limits
Grant Package Award Period Extendable up
to
Acquiring 12 months 5 years
Independence
Long Term Support 2 years Unlimited
Supported Living Level 1 – 2 Years Unlimited
Level 2/3- 12 5 Years
months
Resettlement 6 months 12 months
Crisis Intervention 3 months 3 months
Housing Options 3 months 3 months
Practical Support 2 years Unlimited
23. Linking Assessment to
Money
Main considerations
• Minimise disruption and manage pace of change
• Manage risk to HRS budget inherent in move
from fixed contract sums to individual
entitlements
• Facilitate long-term shifts from long-term high-
value SP packages linked to long-term
maintenance support to lower value ,short-term
preventative work for more people
• Contribute to savings targets – and relatively
quickly.
24. Different approaches to
pricing
• Price per point
– Weighted domains
• Price per band
– Based on Combined Score
– Based on Highest Score
• Price per package
25. Finding the values to use
• Starting with a notional level of input
required for different levels of need
• Starting with average unit costs or
total amount of money available
26. Final points
• EVERYTHING HAS TO BE MODELLED
• IT HAS TO BE KEPT UNDER REVIEW
AND HAS TO HAVE FLEXIBILITY TO
CHANGE
• BUILD IN TRANSITIONAL PROTECTION
AND SHIFT OVER TIME
• ESTIMATES FOR REVIEWS &
TURNOVER
• BUILD IN OTHER TRANSACTIONAL
COSTS