Deven Ghelani, Director and Founder of Policy in Practice, spoke at the IRRV Virtual Annual Conference about the Cabinet Office's reimagine debt pilot scheme.
As COVID-19 continues to hit the financial resilience of many families councils are looking ahead to what this means for collection rates. With council tax arrears already at £3.5 billion pre-crisis, and forecast to reach nearly £5 billion by the end of parliament, councils will need to find new ways to maximise collections. Deven Ghelani spoke about how two councils identified which residents owed multiple debts to them, how they stabilised their incomes, and how they tracked the effectiveness of support. Attendees learnt how early intervention offers a proven approach for other councils to consider to prevent problem debt.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
The Future of the Welfare State: Universal Credit, Furlough Schemes and Other...Policy in Practice
Deven Ghelani was invited to talk about the effectiveness of Universal Credit and the social policies introduced in the light of COVID-19 at this conference by Public Policy Exchange on Thursday 1 October 2020.
He joined speakers Debbie Abrahams MP, Steve McCabe MP, Dr Sophie Wickham and Dr Guy Standing.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Identifying people at risk of homelessness is a key priority for all local authorities. Deven Ghelani, Director and founder of Policy in Practice was invited to present to the Housing and Homelessness Needs group of London Councils on Friday 11 September 2020.
In his presentation to Deven covered the following agenda:
- Uncertainty: The outlook for the end of furlough and 2021
- The impact of COVID-19 to date: Data from 20 London BoroughsHousing affordability – who is at risk of homelessness
- The future outlook: Caseload, financial resilience and service demand
- Insight into action
For more details and to discuss how Policy in Practice can help your local authority to identify vulnerability, target support and track change using data please contact 020 3239 5579 or email hello@policyinpractice.co.uk.
2020 has brought fundamental changes to our lives, both personally and professionally. As our economy took second place to our health, so the welfare safety net came to the fore to support families who faced an income shock, seemingly overnight.
In this webinar Deven Ghelani, Zoe Charlesworth, Paul Howarth and Duncan Hatfield looked back at the policy response to the seismic shifts in our economy and society wrought by the pandemic. We revisited the research findings we uncovered from our analysis for clients across both local and central government. And, as the focus turns to the health of our economy, we look at what 2021 means for people facing redundancy, debt or lower incomes.
Listen back to the webinar to hear:
- How well the COVID-19 welfare changes worked, and what should happen next
- How living standards changed this year, and what the future holds
- The outlook for 2021 and how organisations can best support families
Our policy experts will discuss our analysis and what this means in 2021 for council tax support schemes, housing and homelessness demand, the outlook for living standards in the context of economic recovery, Universal Credit and Brexit.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Is your post COVID-19 Council Tax Support Scheme sustainable?Policy in Practice
The £500 million Hardship Fund allows councils to give extra support to help people affected by Coronavirus. Councils are expected to use this welcome funding to reduce the council tax bills of working-age people who are already receiving council tax support, by £150 in 2020/21.
In this webinar, Zoe Charlesworth presented new nationwide analysis on the Hardship Fund allocations and discussed what this means for collection rates. Megan Mclean explored what this means for those who become newly unemployed, as well as CTR support schemes. Finally, Deven Ghelani looked at what councils can do now to proactively support people.
Review the slides to learn:
- How the Hardship Fund and council tax collection rates interact
- What the future looks like, and how you can plan for future vulnerability
- How to identify the most vulnerable households in your area so you can target additional support
In today’s economic climate falling into debt is perilously easy, getting out is hard. Firms in the debt sector have adopted flexible and ethical collection practices to support families who are struggling, yet costs and the time taken to collect have increased.
This Policy in Practice webinar featured guest speakers Carole Kenney, Director, Welfare and Customer Care, Gareth McNab, Social Inclusion Lead, Nationwide Building Society who spoke alongside Zoe Charlesworth, Director of Policy and Operations, Policy in Practice, and Sarah Lambert, Affordability Assessment Manager, Policy in Practice.
Whether you’re a collection agency, utility company, advice organisation, local authority or housing association, you’re on the frontline for helping people in debt.
You can boost the financial resilience of households by helping them to increase their income. In this way, you can increase collection rates and social impact, in the knowledge that you’re doing the right thing.
In this webinar we discussed:
- How COVID-19 has already hit people’s incomes, and what’s in store
- Who the newly vulnerable households are
- How to reduce existing arrears and the chance of a customer falling into arrears
- How to minimise the cost of debt collection
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Policy in Practice present local initiatives to support vulnerable households...Policy in Practice
Policy in Practice present local initiatives to support vulnerable households to the Utility Sector.
-Make your social tariffs accessible through GOV.UK
-Give holistic support to vulnerable consumers
-Use data to provide more targeted support
We held a workshop in Flintshire in April for local authorities who are curious about what their data can tell them. Hosted by Peter Carter and Terrin Mathew, attendees from across Wales and the North West compared notes about the challenges of the welfare reforms and the rollout of Universal Credit, and how they're each using their data now.
The workshop inspired people with stories of success elsewhere and helped them to build the case for using local authority held datasets to better target your support for vulnerable households.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Latest findings from Policy in Practice's data led investigation into the causes and consequences of poverty in London were presented on 20 September 2018.
We recently shared the latest findings from our pan-london analysis of living standards, tracking 600,000 low income families across 19 London boroughs over two years. The work is unique in its use of large scale administrative data, linked over time, and its ability to look forward at poverty projections for individual households. The approach is being used by a dozen local authorities across the UK to target support.
Highlights from Phase Three include:
Low income Londoners are becoming less financially resilient. The proportion of Londoners with low financial resilience has grown by 20% in the last two years, and will continue to grow through to 2020
Employment helps build financial resilience. Employment is the main driver of people improving their financial resilience; for people affected, welfare reforms are a driver of lower resilience, but they don’t tell the full story
Living standards fluctuate. Over two years a quarter of low income households in work lost their job at least once; improving job stability can help build resilience
The future isn’t bright. Londoners on low incomes face a bleak future with an average drop in their disposable income of £100 p/w if rents and other livings costs continue to rise as expected.
For more information visit www.policyinpractice.co.uk/low-income-Londoners, email hello@policyinpractice.co.uk or call 0330 088 9242.
The Future of the Welfare State: Universal Credit, Furlough Schemes and Other...Policy in Practice
Deven Ghelani was invited to talk about the effectiveness of Universal Credit and the social policies introduced in the light of COVID-19 at this conference by Public Policy Exchange on Thursday 1 October 2020.
He joined speakers Debbie Abrahams MP, Steve McCabe MP, Dr Sophie Wickham and Dr Guy Standing.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Identifying people at risk of homelessness is a key priority for all local authorities. Deven Ghelani, Director and founder of Policy in Practice was invited to present to the Housing and Homelessness Needs group of London Councils on Friday 11 September 2020.
In his presentation to Deven covered the following agenda:
- Uncertainty: The outlook for the end of furlough and 2021
- The impact of COVID-19 to date: Data from 20 London BoroughsHousing affordability – who is at risk of homelessness
- The future outlook: Caseload, financial resilience and service demand
- Insight into action
For more details and to discuss how Policy in Practice can help your local authority to identify vulnerability, target support and track change using data please contact 020 3239 5579 or email hello@policyinpractice.co.uk.
2020 has brought fundamental changes to our lives, both personally and professionally. As our economy took second place to our health, so the welfare safety net came to the fore to support families who faced an income shock, seemingly overnight.
In this webinar Deven Ghelani, Zoe Charlesworth, Paul Howarth and Duncan Hatfield looked back at the policy response to the seismic shifts in our economy and society wrought by the pandemic. We revisited the research findings we uncovered from our analysis for clients across both local and central government. And, as the focus turns to the health of our economy, we look at what 2021 means for people facing redundancy, debt or lower incomes.
Listen back to the webinar to hear:
- How well the COVID-19 welfare changes worked, and what should happen next
- How living standards changed this year, and what the future holds
- The outlook for 2021 and how organisations can best support families
Our policy experts will discuss our analysis and what this means in 2021 for council tax support schemes, housing and homelessness demand, the outlook for living standards in the context of economic recovery, Universal Credit and Brexit.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Is your post COVID-19 Council Tax Support Scheme sustainable?Policy in Practice
The £500 million Hardship Fund allows councils to give extra support to help people affected by Coronavirus. Councils are expected to use this welcome funding to reduce the council tax bills of working-age people who are already receiving council tax support, by £150 in 2020/21.
In this webinar, Zoe Charlesworth presented new nationwide analysis on the Hardship Fund allocations and discussed what this means for collection rates. Megan Mclean explored what this means for those who become newly unemployed, as well as CTR support schemes. Finally, Deven Ghelani looked at what councils can do now to proactively support people.
Review the slides to learn:
- How the Hardship Fund and council tax collection rates interact
- What the future looks like, and how you can plan for future vulnerability
- How to identify the most vulnerable households in your area so you can target additional support
In today’s economic climate falling into debt is perilously easy, getting out is hard. Firms in the debt sector have adopted flexible and ethical collection practices to support families who are struggling, yet costs and the time taken to collect have increased.
This Policy in Practice webinar featured guest speakers Carole Kenney, Director, Welfare and Customer Care, Gareth McNab, Social Inclusion Lead, Nationwide Building Society who spoke alongside Zoe Charlesworth, Director of Policy and Operations, Policy in Practice, and Sarah Lambert, Affordability Assessment Manager, Policy in Practice.
Whether you’re a collection agency, utility company, advice organisation, local authority or housing association, you’re on the frontline for helping people in debt.
You can boost the financial resilience of households by helping them to increase their income. In this way, you can increase collection rates and social impact, in the knowledge that you’re doing the right thing.
In this webinar we discussed:
- How COVID-19 has already hit people’s incomes, and what’s in store
- Who the newly vulnerable households are
- How to reduce existing arrears and the chance of a customer falling into arrears
- How to minimise the cost of debt collection
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Policy in Practice present local initiatives to support vulnerable households...Policy in Practice
Policy in Practice present local initiatives to support vulnerable households to the Utility Sector.
-Make your social tariffs accessible through GOV.UK
-Give holistic support to vulnerable consumers
-Use data to provide more targeted support
We held a workshop in Flintshire in April for local authorities who are curious about what their data can tell them. Hosted by Peter Carter and Terrin Mathew, attendees from across Wales and the North West compared notes about the challenges of the welfare reforms and the rollout of Universal Credit, and how they're each using their data now.
The workshop inspired people with stories of success elsewhere and helped them to build the case for using local authority held datasets to better target your support for vulnerable households.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Latest findings from Policy in Practice's data led investigation into the causes and consequences of poverty in London were presented on 20 September 2018.
We recently shared the latest findings from our pan-london analysis of living standards, tracking 600,000 low income families across 19 London boroughs over two years. The work is unique in its use of large scale administrative data, linked over time, and its ability to look forward at poverty projections for individual households. The approach is being used by a dozen local authorities across the UK to target support.
Highlights from Phase Three include:
Low income Londoners are becoming less financially resilient. The proportion of Londoners with low financial resilience has grown by 20% in the last two years, and will continue to grow through to 2020
Employment helps build financial resilience. Employment is the main driver of people improving their financial resilience; for people affected, welfare reforms are a driver of lower resilience, but they don’t tell the full story
Living standards fluctuate. Over two years a quarter of low income households in work lost their job at least once; improving job stability can help build resilience
The future isn’t bright. Londoners on low incomes face a bleak future with an average drop in their disposable income of £100 p/w if rents and other livings costs continue to rise as expected.
For more information visit www.policyinpractice.co.uk/low-income-Londoners, email hello@policyinpractice.co.uk or call 0330 088 9242.
Professor Jonathan Bradshaw. Poverty and a 21st century welfare system. Invited presentation. Involve Yorkshire & Humber Annual Lecture 2013, Alcuin Research Resource Centre, University of York, York , 29 November 2013.
On Friday, 15th October 2021, ESRI researcher
Barra Roantree, Research Officer presented these slides as part of our annual post-Budget briefing.
See more here: https://www.esri.ie/events/post-budget-briefing
How to target your Discretionary Housing Payments wellPolicy in Practice
It's hard for local authorities to be sure that support is reaching the households that need help the most. We know that 9 in 10 applications for a Discretionary Housing Payment (DHP) are successful, yet only 1 in 5 households that need a DHP apply. We help local authorities carry out a full needs assessment, as recommended by the DWP, using housing benefit data to create insights that will make council's DHP funds go further.
In this webinar we looked at levels of financial resilience and the need for Discretionary Housing Payments. We were joined by Ellie Kershaw, London Borough of Tower Hamlets, who spoke about how they spend DHP money in line with their local priorities and how they're raising awareness and increasing referrals from those in need.
View the slides to see how our LIFT Dashboard and Benefit and Budgeting Calculator helps LB Tower Hamlets to:
- ensure the consistency of help given by frontline staff
- reduce the time it takes staff to understand eligibility for a DHP
- evidence how well their DHP strategy is working
To find out more visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
London Councils' Welfare Reform Impact Assessment presentationPolicy in Practice
Deven Ghelani presented to the London Councils' Benefits Managers meeting on Thursday 21 January about Welfare Reform Impact Assessment.
Deven shared the approach that Policy in Practice has used to help local authorities in London to understand the impact of welfare reform on individual households. He shared insights from the recent analysis carried out for LB Hounslow.
Paul Howarth, Policy Consultant for Policy in Practice was invited to speak at the Westminster Briefing in November 2019 on the topic of 'Welfare reforms and reducing rent arrears'.
This presentation provided a detailed look of the current benefits system, a forecast of the latest Universal Credit updates as well as an overview of Policy in Practice's data-led approach to tackling poverty and reducing rent arrears.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk.
IRRV WELFARE REFORM AND BENEFITS SEMINAR: The Reality of the Social Impact of...Policy in Practice
Deven Ghelani, Policy in Practice, spoke at the IRRV Welfare Reform and Benefits Seminar – Are We Facing An Impending Disaster? on
The IRRV’s annual seminar on Welfare Reform and Benefits addressed the key issues on Welfare Reform and looked in detail at the Government’s proposal for the months and years to come.
Deven Ghelani, CEO and Founder, Policy in Practice, will delivered the following session at 10:35 am:
The Reality of the Social Impact of Welfare Reform
What will be the detailed social impact of Welfare Reform? What pressure will be placed on local authorities in delivering their statutory functions particularly in relation to housing and local taxation? How will local authorities continue to maintain these functions whilst facing up to the demands of the Governments austerity programme?
View his slides here.
IntoWork2015 Conference: Targeting Support - Who Will Welfare Reforms Hit Har...Policy in Practice
Targeting Support: Who Will Welfare Reforms Hit Hardest?
Speakers: Deven Ghelani, Policy in Practice, Guy Chaundy, Birmingham City Council
Event: Inclusion's IntoWork2015 Convention, Wed 15 July 2015, Queen Elizabeth II Conference Centre, London.
The speakers told attendees how data insights are helping reshape the distribution of scarce support resources for two large councils in England.
By analysing data they are collect the councils have gained valuable knowledge about the cumulative impact of welfare reforms on individual households in their respective areas.
What's more, those councils have also forecasted what the likely impact of future welfare reforms will be.
This means they know which households are most vulnerable to cuts, and which will be better off under Universal Credit.
Crucially, these insights allow them to therefore deliver support campaigns where they're most needed.
Deven Ghelani is the director of Policy in Practice, an organisation founded to ensure that policy works for people on the frontline. He was joined by Guy Chaundy from Birmingham City Council.
On Friday, 16 October 2020, ESRI researchers, Barra Roantree, Karina Doorley and Claire Keane presented an assessment of the likely economic effects and impact on households of the tax and welfare measures announced in Budget 2021.
They will also examined the impact that COVID has had on incomes in Ireland and the role the tax-benefit system has played in cushioning income losses relating to the pandemic to date.
A video of the presentation will be made available shortly.
IRRV2015 - Progress on Welfare Reform by Deven GhelaniPolicy in Practice
The IRRV Annual Conference 2015 featured this presentation by Deven Ghelani about Progress on Welfare Reform.
Understanding the impact of cumulative and future welfare reforms on individual residents was at the heart of Deven's talk.
Stark insights from welfare reform impact analysis work done with Leeds City Council and Birmingham City Council were shared.
Deven outlined how specific welfare reforms have different impacts and what these mean to individual residents.
Policy makers in local authorities need to make sure that their policies are appropriate to local needs. Yet, without the insights that councils like Leeds and Birmingham have secured, the risk is that support programmes are blanket and wasteful, not targeted and effective.
Using benefits data to assess the impact of welfare reform in LondonPolicy in Practice
Giovanni Tonutti, Policy in Practice, presented his work on Using benefits data to assess the impact of welfare reform in London at the International Conference for Administrative Data Research, Queens University, Belfast on Friday 22 June 2018.
This conference is aimed at researchers who use administrative data to better understand populations and societies. His presentation falls under the conference theme of The World of Work which focusses on the labour market experience of those in, and out, of work.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Minna Ylikännö: Ubi and ongoing social security reform. Presentation at seminar Reforming social security – What can we learn from basic income experiments? 17.12.2021.
Lessons learned: our year modelling Council Tax Reduction SchemesPolicy in Practice
In this webinar Policy in Practice gave a review of the 150 or so council tax reduction (CTR) support schemes we modelled for local authority clients in 2019. Zoe Charlesworth, Head of Policy, and Megan Mclean, Policy and Operations Analyst, recapped on highlights from our analysis, discussed trends we've identified and considered what this means for local authorities in 2020.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
The 2016 OECD Pensions Outlook launches on 5 December. This flyer describes what is in the publication and the complementary publication "Life Annuity Products and their Guarantees". Find out more at http://www.oecd.org/pensions/oecd-pensions-outlook.htm
The future is uncertain and recovery will be tough. It’s difficult to make projections about what the policy landscape will look like, what the wider economic trends will be and what will happen to different groups of people.
But we need to make projections to see implications for demand for council support and services, and indebtedness.
Listen back to hear:
- Key findings from our rapid-response COVID-19 analysis for the Greater London Authority
- How a new approach to real-time analytics can support councils with their economic and social recovery plan
- What our new future modelling analysis is predicting for both household and council finances
Roundtable - Who are the most vulnerable residents in London?Policy in Practice
Local authorities have stepped up in the fight against Coronavirus. As the lockdown lifts and our thoughts turn to recovery, proactively identifying and targeting support to those who need help most, using all of the insights available, has never been more important.
In this roundtable, hosted by Policy in Practice, we discussed who the most vulnerable residents in London are, both now and in the future.
We shared the latest analysis from our data-led investigation into the causes and consequences of poverty in London, supported by Trust for London.
We also revealed findings from our research for the Greater London Authority on how different welfare support policies have impacted London's poorest households.
We explored what the findings mean for London's local authorities and how services may need to change to proactively safeguard the wellbeing of London's residents.
Listen back to learn about:
- The financial situation of London's residents before COVID-19
- How an Innovate UK backed project can local authorities a real-time view of living standards now
- Which households will be most vulnerable in 2021, how this will impact council finances, and actions councils can take to mitigate the impact on residents
- Findings from research for GLA into the impacts of COVID-19 on low-income Londoners and best practice in flexible collection practices
Our Trust for London supported project will continue for another six months so councils who have not yet taken part still have time to do so. Email hello@policyinpractice.co.uk or call 0330 088 9242for details.
Zoe Charlesworth, Head of Policy at Policy in Practice, spoke at the IRRV Virtual Annual Conference about those people who have struggled or missed out on support due to COVID-19 uncertainty.
The new COVID-19 schemes operate alongside means-tested benefits, pay different amounts and cater to different kinds of eligibility, resulting in a wide yet inequitable net of support. Zoe Charlesworth presents analysis by Policy in Practice that looked at over 2,500 individual cases of households who struggled with or missed out on support. Zoe will explore the characteristics of eight groups who you should watch out for as you advise residents, and a worked example of surplus earnings rules. Delegates learnt who missed out on support, what impact of COVID-19 support has had on inequality and, practically, who will need more guidance as their circumstances change.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
Professor Jonathan Bradshaw. Poverty and a 21st century welfare system. Invited presentation. Involve Yorkshire & Humber Annual Lecture 2013, Alcuin Research Resource Centre, University of York, York , 29 November 2013.
On Friday, 15th October 2021, ESRI researcher
Barra Roantree, Research Officer presented these slides as part of our annual post-Budget briefing.
See more here: https://www.esri.ie/events/post-budget-briefing
How to target your Discretionary Housing Payments wellPolicy in Practice
It's hard for local authorities to be sure that support is reaching the households that need help the most. We know that 9 in 10 applications for a Discretionary Housing Payment (DHP) are successful, yet only 1 in 5 households that need a DHP apply. We help local authorities carry out a full needs assessment, as recommended by the DWP, using housing benefit data to create insights that will make council's DHP funds go further.
In this webinar we looked at levels of financial resilience and the need for Discretionary Housing Payments. We were joined by Ellie Kershaw, London Borough of Tower Hamlets, who spoke about how they spend DHP money in line with their local priorities and how they're raising awareness and increasing referrals from those in need.
View the slides to see how our LIFT Dashboard and Benefit and Budgeting Calculator helps LB Tower Hamlets to:
- ensure the consistency of help given by frontline staff
- reduce the time it takes staff to understand eligibility for a DHP
- evidence how well their DHP strategy is working
To find out more visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
London Councils' Welfare Reform Impact Assessment presentationPolicy in Practice
Deven Ghelani presented to the London Councils' Benefits Managers meeting on Thursday 21 January about Welfare Reform Impact Assessment.
Deven shared the approach that Policy in Practice has used to help local authorities in London to understand the impact of welfare reform on individual households. He shared insights from the recent analysis carried out for LB Hounslow.
Paul Howarth, Policy Consultant for Policy in Practice was invited to speak at the Westminster Briefing in November 2019 on the topic of 'Welfare reforms and reducing rent arrears'.
This presentation provided a detailed look of the current benefits system, a forecast of the latest Universal Credit updates as well as an overview of Policy in Practice's data-led approach to tackling poverty and reducing rent arrears.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk.
IRRV WELFARE REFORM AND BENEFITS SEMINAR: The Reality of the Social Impact of...Policy in Practice
Deven Ghelani, Policy in Practice, spoke at the IRRV Welfare Reform and Benefits Seminar – Are We Facing An Impending Disaster? on
The IRRV’s annual seminar on Welfare Reform and Benefits addressed the key issues on Welfare Reform and looked in detail at the Government’s proposal for the months and years to come.
Deven Ghelani, CEO and Founder, Policy in Practice, will delivered the following session at 10:35 am:
The Reality of the Social Impact of Welfare Reform
What will be the detailed social impact of Welfare Reform? What pressure will be placed on local authorities in delivering their statutory functions particularly in relation to housing and local taxation? How will local authorities continue to maintain these functions whilst facing up to the demands of the Governments austerity programme?
View his slides here.
IntoWork2015 Conference: Targeting Support - Who Will Welfare Reforms Hit Har...Policy in Practice
Targeting Support: Who Will Welfare Reforms Hit Hardest?
Speakers: Deven Ghelani, Policy in Practice, Guy Chaundy, Birmingham City Council
Event: Inclusion's IntoWork2015 Convention, Wed 15 July 2015, Queen Elizabeth II Conference Centre, London.
The speakers told attendees how data insights are helping reshape the distribution of scarce support resources for two large councils in England.
By analysing data they are collect the councils have gained valuable knowledge about the cumulative impact of welfare reforms on individual households in their respective areas.
What's more, those councils have also forecasted what the likely impact of future welfare reforms will be.
This means they know which households are most vulnerable to cuts, and which will be better off under Universal Credit.
Crucially, these insights allow them to therefore deliver support campaigns where they're most needed.
Deven Ghelani is the director of Policy in Practice, an organisation founded to ensure that policy works for people on the frontline. He was joined by Guy Chaundy from Birmingham City Council.
On Friday, 16 October 2020, ESRI researchers, Barra Roantree, Karina Doorley and Claire Keane presented an assessment of the likely economic effects and impact on households of the tax and welfare measures announced in Budget 2021.
They will also examined the impact that COVID has had on incomes in Ireland and the role the tax-benefit system has played in cushioning income losses relating to the pandemic to date.
A video of the presentation will be made available shortly.
IRRV2015 - Progress on Welfare Reform by Deven GhelaniPolicy in Practice
The IRRV Annual Conference 2015 featured this presentation by Deven Ghelani about Progress on Welfare Reform.
Understanding the impact of cumulative and future welfare reforms on individual residents was at the heart of Deven's talk.
Stark insights from welfare reform impact analysis work done with Leeds City Council and Birmingham City Council were shared.
Deven outlined how specific welfare reforms have different impacts and what these mean to individual residents.
Policy makers in local authorities need to make sure that their policies are appropriate to local needs. Yet, without the insights that councils like Leeds and Birmingham have secured, the risk is that support programmes are blanket and wasteful, not targeted and effective.
Using benefits data to assess the impact of welfare reform in LondonPolicy in Practice
Giovanni Tonutti, Policy in Practice, presented his work on Using benefits data to assess the impact of welfare reform in London at the International Conference for Administrative Data Research, Queens University, Belfast on Friday 22 June 2018.
This conference is aimed at researchers who use administrative data to better understand populations and societies. His presentation falls under the conference theme of The World of Work which focusses on the labour market experience of those in, and out, of work.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Minna Ylikännö: Ubi and ongoing social security reform. Presentation at seminar Reforming social security – What can we learn from basic income experiments? 17.12.2021.
Lessons learned: our year modelling Council Tax Reduction SchemesPolicy in Practice
In this webinar Policy in Practice gave a review of the 150 or so council tax reduction (CTR) support schemes we modelled for local authority clients in 2019. Zoe Charlesworth, Head of Policy, and Megan Mclean, Policy and Operations Analyst, recapped on highlights from our analysis, discussed trends we've identified and considered what this means for local authorities in 2020.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
The 2016 OECD Pensions Outlook launches on 5 December. This flyer describes what is in the publication and the complementary publication "Life Annuity Products and their Guarantees". Find out more at http://www.oecd.org/pensions/oecd-pensions-outlook.htm
The future is uncertain and recovery will be tough. It’s difficult to make projections about what the policy landscape will look like, what the wider economic trends will be and what will happen to different groups of people.
But we need to make projections to see implications for demand for council support and services, and indebtedness.
Listen back to hear:
- Key findings from our rapid-response COVID-19 analysis for the Greater London Authority
- How a new approach to real-time analytics can support councils with their economic and social recovery plan
- What our new future modelling analysis is predicting for both household and council finances
Roundtable - Who are the most vulnerable residents in London?Policy in Practice
Local authorities have stepped up in the fight against Coronavirus. As the lockdown lifts and our thoughts turn to recovery, proactively identifying and targeting support to those who need help most, using all of the insights available, has never been more important.
In this roundtable, hosted by Policy in Practice, we discussed who the most vulnerable residents in London are, both now and in the future.
We shared the latest analysis from our data-led investigation into the causes and consequences of poverty in London, supported by Trust for London.
We also revealed findings from our research for the Greater London Authority on how different welfare support policies have impacted London's poorest households.
We explored what the findings mean for London's local authorities and how services may need to change to proactively safeguard the wellbeing of London's residents.
Listen back to learn about:
- The financial situation of London's residents before COVID-19
- How an Innovate UK backed project can local authorities a real-time view of living standards now
- Which households will be most vulnerable in 2021, how this will impact council finances, and actions councils can take to mitigate the impact on residents
- Findings from research for GLA into the impacts of COVID-19 on low-income Londoners and best practice in flexible collection practices
Our Trust for London supported project will continue for another six months so councils who have not yet taken part still have time to do so. Email hello@policyinpractice.co.uk or call 0330 088 9242for details.
Zoe Charlesworth, Head of Policy at Policy in Practice, spoke at the IRRV Virtual Annual Conference about those people who have struggled or missed out on support due to COVID-19 uncertainty.
The new COVID-19 schemes operate alongside means-tested benefits, pay different amounts and cater to different kinds of eligibility, resulting in a wide yet inequitable net of support. Zoe Charlesworth presents analysis by Policy in Practice that looked at over 2,500 individual cases of households who struggled with or missed out on support. Zoe will explore the characteristics of eight groups who you should watch out for as you advise residents, and a worked example of surplus earnings rules. Delegates learnt who missed out on support, what impact of COVID-19 support has had on inequality and, practically, who will need more guidance as their circumstances change.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
IRRV virtual conference 2020: COVID-19 who has fallen between the gaps?Policy in Practice
In October 2020 Zoe Charlesworth, Head of Policy Operations presented to IRRV Annual Conference and Exhibition attendees on COVID-19: Who has fallen between the gaps?
Watch the full presentation: www.policyinpractice.co.uk/IRRV-2020
For more information please visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
Councils are looking ahead to what COVID-19 means for collection rates, people’s ability to pay, and whether their council tax support schemes can cope with increased demand.
Zoe and Megan share key findings of three new reports:
- An 18 month project working with 22 Welsh local authorities for the Welsh Government on Universal Credit, council tax reduction scheme and rent arrears in Wales Reports for the Greater London
- Authority on the impact of the Coronavirus Hardship Fund, and on the impact that a flexible approach to collections has on collection rates Analysis for the Cabinet Office on the effectiveness of an early intervention approach to managing arrears in two councils, Newcastle and Barking and Dagenham Council tax arrears were already £3.5 billion pre-crisis and are forecast to reach nearly £5 billion by the end of parliament.
Zoe Charlesworth examines what the worsening financial crisis means for council’s collection rates, budget setting and council tax support schemes, and will look at efforts across central and local government to improve how council tax debt is recovered.
Deven Ghelani spoke at Destin Solutions webinar on the impact the Breathing Space policy will have on local authorities.
View these slides to find out:
- The context for debt and collections in the UK
- What is Breathing Space?
- The impact on council tax collection
- Our findings for the GLA
- The case for early intervention: ReImagine Debt
For more details call 0330 088 9242
https://policyinpractice.co.uk/webinar-how-to-influence-central-government/
May recap of the major benefits changes and Coronavirus (COVID-19)Policy in Practice
As new measures to control Coronavirus (COVID-19) are introduced Policy in Practice's Head of Policy, Zoe Charlesworth, summarises the major changes to the welfare system.
As part of the support we've been providing we’ve answered hundreds of questions from people worried about the impact of Coronavirus on their income.
In addition, Megan Mclean shares some of the common questions we’ve received on our Coronavirus support page from people who are worried about their income.
Special guest Victoria Todd, Low Incomes Tax Reform Group, updates us on tax credits.
Finally, Peter Carter briefly walks through software tools that help our clients to give the best advice possible to their customers.
Review the slides to learn:
- What policy measures are in place to protect people
- The impact of COVID-19 welfare measures
- What the main concerns of people are
- How organisations are responding
Register now for our next webinar 'Coronavirus: Stories from the frontline' taking place on May 20 at 10:30 here: https://register.gotowebinar.com/register/7790971575243794701
If the date of this webinar has passed you can view our webinars on demand here http://policyinpractice.co.uk/events/
Current Challenges and the Future Direction of Social Security ReformPolicy in Practice
Westminster Insight’s timely Welfare Reform Forum explored how to process the huge upsurge in claims, improving advice for those dealing with immediate cash flow problems, changing assessment processes to safeguard claimants, identifying people falling through gaps in the system and supporting the most vulnerable people financially affected by the pandemic.
Zoe's keynote address covered:
- The implications of the Government’s response to COVID 19 on the social security system
- Improving system design, delivery, flexibility and speed to support people in times of crisis
- Ensuring the social security system can weather the longer-term effects of the crisis
- Creating a person-centred, holistic and supportive social security system
At IRRV Scotland Conference 2018 in Crieff Deven Ghelani, Founder and Director of Policy in Practice, was invited to speak about analysis and policy updates on Universal Credit.
In his presentation Deven talked about the Social Security Act in Scotland and Universal Credit, covering how different demographic groups are likely to be impacted. He highlighted analysis that Scottish local authorities can do with the household level data they collect on their local income households and gave examples of how other local authorities use this data to identify, target and track vulnerability.
For further details please contact hello@policyinpractice.co.uk or visit www.policyinpractice.co.uk.
Policy in Practice analyst Juan Alvarez Vilanova spoke about How longitudinal analysis can help prevent poverty at at Public Policy Exchange's recent event.
Juan's talk featured case studies of data analysis for clients such as Croydon Council and Trust for London, The event was titled Preventing Further Poverty in the UK: Supporting and Improving the Lives of ‘Just About Managing’ Families.
Webinar: Council tax support Models that Members can sign up toPolicy in Practice
Listen back to hear Policy in Practice in conversation with Allan Clark, Barnet Council, to learn how they're changing their council tax support scheme for Universal Credit.
We cover how Policy in Practice's comprehensive impact modelling provided the data that Barnet Council's Members needed to agree amended schemes with confidence.
Listen back to learn:
- How LAs’ CTS schemes have evolved since they were first introduced
- What factors Barnet modelled, and why
- What schemes Barnet considered, rejected and implemented
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
COVID-19 has created residents who are newly financially vulnerable and who will be looking to you for help in the near future. But who are these people, and what action can you take now to stop them falling into crisis? And, critically, how will your support services need to adapt?
As the pandemic continues to hit the financial resilience of many families, councils are looking ahead to what this means for collection rates, and whether their council tax support schemes can cope with increased demand.
In this webinar, Zoe Charlesworth summarised the latest and forthcoming policy updates which will drive the need for local authorities to redesign their CTR schemes, highlighting the importance of how understanding this context can assist scheme design.
Paul Howarth presented some key insights from our analysis on Understanding the Impact of Universal Credit on the Council Tax Reduction Scheme and Rent Arrears in Wales.
Dr Ben Fell shared details of our latest work on future modelling and how it can help you future-proof CTR schemes for local authorities.
Finally, Sally Sanders shared how working with Policy in Practice has helped Enfield Council model a new scheme to help protect residents from COVID-19 income shocks.
Listen back to hear:
- New analysis for the Welsh Government on the impact of Universal Credit on rent and council tax arrears
- How COVID-19 is expected to change your caseload, and what this means for your council tax support scheme
-Measures you can take to boost future collection rates and minimise arrears
Sarah Lambert, Affordability Assessment Manager, Policy in Practice, delivered this presentation to the Money Advice Liason Group (MALG) Virtual summit on Thursday 29 October.
Over 20 million of us don’t have the necessary skills to effectively manage our money and 11.5 million of us have less than £100 in savings.
With predictions of widespread unemployment and an expected tsunami of people needing debt advice and support during the coming months and years, this session explored the innovative new tools and approaches that will help organisations to improve the financial capability of customers, increase the financial resilience of customers and engage customers earlier.
Sarah Lambert from Policy in Practice discussed research and initiatives we've developed, including our award winning Benefit and Budgeting Calculator, to support organisations to get ahead of the curve.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
Recap of the major benefits changes and Coronavirus (COVID-19)Policy in Practice
As new measures to control Coronavirus (COVID-19) are introduced Policy in Practice's Head of Policy, Zoe Charlesworth, summarises the major changes to the welfare system.
As part of the support we've been providing we’ve answered hundreds of questions from people worried about the impact of Coronavirus on their income. Zoe shares of the common themes emerging and our thoughts on policy changes that could help. Zoe also shares highlights from the analysis we've done to show the impact of the new measures and how they will help households hit by Coronavirus (COVID-19).
Review the slides to learn:
- What benefits people in different situations might get
- How to get the most support for families and households
- Common questions people are asking, and our answers
- What the impact of the 3 main changes mean for households
Jade Alsop, Commercial Director at Policy in Practice, spoke at Housemark's Ten Days of Data festival about embedding a data driven culture within organisations such as housing providers, local authorities and others.
Commitment to embrace data-driven decision making is needed at all levels of an organisation to realise the full value of insights. At this event Jade joined the speaker panel with Charlotte Carpenter from Karbon Homes and Colin Sales from 3C Consultants to explore how to lead by example to ensure what we do, say and ask, fosters a data-driven culture and embeds the use of data across an organisation.
For more information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
Webinar: How Citizens Advice is helping Universal Credit claimantsPolicy in Practice
Deven Ghelani, Policy in Practice, was joined by Kayley Hignell, Citizens Advice and Nicky Rees, Citizens Advice Peterborough, to discuss Universal Credit. View the slides from this webinar recording.
As Universal Credit receives a refresh, courtesy of new Secretary of State Amber Rudd, we asked what the recent changes mean for people affected, and how the Citizens Advice Service nationwide is responding.
We also looked at what some LCAs are doing to support people and were joined by Kayley Hignell, Head of Policy (Families, Welfare and Work), Citizens Advice, and Nicky Rees, Advice Operations Supervisor at Citizens Advice Peterborough.
In this webinar we covered:
- What the recent policy changes and new Secretary of State mean for Universal Credit
- How Citizens Advice approach to Universal Credit is changing
- How Citizens Advice Peterborough helps people to maximise income and budget well
- Brief introduction to software used by some Local Citizens Advice advisors to give accurate and easy to digest advice
"The Benefit and Budgeting Calculator is amazing, the frontline volunteers find it really useful. I especially like the calendar that shows claimants who get paid weekly how their monthly Universal Credit payments will be affected over the next 12 months."
Nicky Rees, Citizens Advice Peterborough
For more information on Policy in Practice please visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Autumn Statement 2013 Briefing - Active OutcomesActive Outcomes
Watch this super-brief briefing by Active Outcomes for an at a glance overview of the main points raised in the Autumn Statement.
Like what you see? Active Outcomes are policy specialists and can draft briefings to cover any legislation changes in the UK. Contact us at www.activeoutcomes.co.uk for more information.
Webinar: Unlock the power of national, regional and local dataPolicy in Practice
View these webinar slides to learn about national, regional and local case studies.
You will hear:
1. Nationally: How the two child limit to tax credits is set to drive child poverty up by 10% by 2020
2. Regionally: First wave results from our work tracking income, employment and poverty for over half a million low-income households across London
3. Locally: How Winchester City Council's data led strategy uncovered hidden pockets of poverty
Background
The post-2015 welfare reforms will take almost £13bn a year from claimants by 2020-21, bringing the cumulative loss since 2010 to £27bn a year. This is equivalent to £690 a year for every adult of working age, according to analysis by Centre for Regional Economic and Social Research.
Professor Christina Beatty said that the worst is yet to come for those who will be most severly hit, namely low income families with children. She urged local authorities to plan ahead for the impact.
Understanding exactly which low income households will be impacted by the welfare reforms, and how, is the challenge. Policy in Practice works with local authorities to do just that.
Our Low Income Family Tracker combines local authority data with a powerful modelling engine to show the aggregate and cumulative impact of reforms on each household so that local authorities can get the right support to those who need help the most, before crisis hits.
More info
Visit http://policyinpractice.co.uk/low-income-family-tracker/ for more details or email hello@policyinpractice.co.uk.
Similar to Reimagine Debt. A tale of two councils: Reimagine Debt Collection (20)
Browse our webinar slides to learn how to influence central government policy development and get your frontline experiences heard. With Paul Howarth and Jake Love Soper.
A new Parliamentary term brings fresh opportunity to talk to decision-makers about the things that really matter.
We think it’s important that policy hears from practice. But we also know it can be hard for people on the front line to get their voice heard above the noise.
Our guest speakers spoke about how to influence central government policy development and get your frontline experiences heard. With Paul Howarth and Jake Love Soper.
For more details call 0330 088 9242
https://policyinpractice.co.uk/webinar-how-to-influence-central-government/
Deven Ghelani was invited to talk about the the impact of the benefit cap through the use of administrative data at a webinar organised by the University of York on Thursday 26 November 2020.
He was joined by a range of speakers, Dr Kitty Stewart, LSE and Dr Donald Hirsch, Loughborough University and Claire Hall, Child Poverty Action Group, to name but a few.
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
AIM: Data protection, data governance, data managementPolicy in Practice
Tues 29 Sept: Deven Ghelani spoke with Paul Withers, DPO for Walsall Council, about our lessons so far from a powerful new project backed by the LGA and NHS digital to link data across adult services, children's services, public health, the NHS and police. Good data science relies upon access to good data, and we spoke about focusing on impact to win over stakeholders, actively raising and resolving data governance concerns upfront, and how the basics of good data management (security, data cleaning, data linking) are harder and more important than the 'sexy' data science that this project will become known for.
For more information email hello@policyinpractice.co.uk or call 0330 088 9242
At the Government Data Science Festival 2020 Deven Ghelani, Director and Founder of Policy in Practice, joined Paul Withers, Data Protection Manager for Walsall Metropolitan Borough Council, to present a case study of data science in local government.
Deven and Paul introduced the Active Intervention Management (AIM) project to the audience of local government data and digital officers. AIM is one of three Social Care Digital Innovation (SCDIA) 2020/21 projects that's run by CC2i on behalf of the Local Government Association with match funding from NHS Digital.
AIM uses basic level data to identify potential vulnerabilities and support the improvement of early intervention services. Organisations from fire and rescue, children's services and police authorities are all taking part in AIM.
For more information contact Deven Ghelani via deven@policyinpractice.co.uk or Paul Withers via paul.withers@walsall.gov.uk. Alternatively contact hello@policyinpractice.co.uk or call 0330 088 9242.
Many self-employed people will receive a grant through the new Self-Employed Income Support Scheme (SEISS) this month. These payments can be up to £7,500 and will be counted as earnings under Universal Credit.
As a result, lots of self-employed households will be affected by the complex 'surplus earnings' rules for the first time. In short, these rules mean that for many households, the SEISS money will be taken into account as earnings not just for the month it was received, but for future months as well.
Welfare advisors need to understand the rules, and need a tool that can calculate eligibility all in one place, in order to advise people what their Universal Credit payments will be, and when they need to reclaim.
Hear from Sue McCarron from Citizens Advice Wirral who shared how frontline staff have supported customers facing with fluctuating income using the Benefit and Budgeting Calculator.
Review the slide to learn:
- A simple guide to the SEISS, Universal Credit and surplus earnings rules
- Worked examples to illustrate the challenge, and what to look out for
- How our Benefit and Budgeting Calculator helps
Coronavirus (COVID-19) has made life tough for people who are scared for their health and their finances. It’s also brought huge pressure to frontline organisations who are there to help.
In this webinar we are joined by Ellie Kershaw, Tower Hamlets and Grant Bailey, Cheltenham Borough Homes to discuss how they are dealing with the current changes, and how the crisis now will affect their residents in the future.
We explore how services may need to change and how organisations can be proactive now to safeguard their residents’ wellbeing.
Review the slides to learn:
- How other organisations are helping people deal with Coronavirus
- Ideas to consider that can drive a proactive, prevention approach
- Best practice for dealing with increased demand with limited resources
As new measures to control Coronavirus (COVID-19) are introduced, Policy in Practice was joined by RedQuadrant to discuss how data analytics can identify people who are most highly impacted by the virus, and the best way to engage with those of us who are most vulnerable.
Review the slides to learn:
- What policy measures have been put in place to protect people
- Who is vulnerable: The three main groups
- How you can best identify vulnerable people
- How you can best engage with vulnerable people
The most underclaimed benefits and how to drive take upPolicy in Practice
We know that £10 billion of benefits go unclaimed each year by people who are eligible for them but not receiving them. Some households aren’t claiming support that could be worth thousands of pounds each year to them.
In this webinar we showcased innovative work councils are doing to encourage take-up of some of the most unclaimed benefits, and heard how this can lead to wider conversations that build financial resilience.
View these slides to learn:
- Which income-related benefits are most underclaimed
- One council’s work to drive up pension credit and tax credit claims
- How to determine the ROI of intervention campaigns so you know what works
- How software can help to identify vulnerability, target support and track change
For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
In this Policy in Practice webinar Deven Ghelani and Louise Murphy were joined by Mark Fowler, Community Solutions Director for London Borough of Barking and Dagenham to talk about designing effective data-led local authorities.
Today's forward thinking local authorities are adopting a data led approach to deliver the highest quality, people-centred services for their residents. By applying smart analysis techniques to their data, councils are developing big ideas for change that are working in their areas.
In the latest of our webinars showcasing how public sector administrative data is being used for good, join us to hear how our guest speakers are using data to transform their organisations intelligently.
Listen back to hear how data analysis has:
- Helped redesign corporate strategy
- Enabled services to be redesigned around residents
- Evidenced service need that's driven decision making
To find out more visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
hority clients who are analysing their administrative datasets using a LIFT Dashboard to identify vulnerability, target support and track change amongst their low income families.
For more information contact hello@policyinpractice.co.uk, call 0330 008 9242 or visit www.policyinpractice.co.uk
Benefit and Budgeting Calculator Steering Group 23 January 2020Policy in Practice
in Practice clients including housing associations, local authorities, utility and third sector organisations.
For more information contact hello@policyinpractice.co.uk, call 0330 008 9242 or visit www.policyinpractice.co.uk
How landlords can prepare for managed migration workshopPolicy in Practice
Policy in Practice has teamed up with Bill Irvine, UC Advice & Advocacy, to help housing associations learn how to prepare for managed migration to Universal Credit. This workshop featured the following speakers and topics:
Background to Universal Credit managed migration by Zoe Charlesworth, Policy in Practice
The view from the frontline by Nadine Burns and Michelle Birley, The Guinness Group
Key challenges to smooth delivery of managed migration by Bill Irvine, Universal Credit Advice
Transitional Protection by Louise Murphy, Policy and Data Analyst, Policy in Practice
Best practice advice for preparing tenants by Bill Irvine, Universal Credit Advice
How Royal Borough of Greenwich is preparing for managed migration by Corin Hammersley, Royal Borough of Greenwich
Develop your own proactive action plan for managed migration
For more information please visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Reimagine Debt. A tale of two councils: Reimagine Debt Collection
1. Policy in Practice Reimagine Debt
A tale of two councils:
ReImagine Debt Collection
2. ● Councils have an increase in caseload (typically 20 - 50% by July 2020)
● 9.6m people on furlough (August 2020)
● 194,000 additional redundancies by July 2020 (ONS)
● 750,000 job losses since April 2020 (OBR)
● Out of work benefits and UC claims doubled to 2.7m by July 2020 (DWP)
Forthcoming changes
● 10% furloughed workers likely to be made redundant by October 2020 (OBR)
● End of SEIS (October 2020)
● MIF to be reinstated
● Emergency benefit increases to end
● Brexit
Background and context
www.policyinpractice.co.uk
3. Job Retention Scheme: 2 August
● 9.6m jobs furloughed, 1.2m employers furloughing, £33.8bn value of claims
● Falling support in August; Ending in October
SEISS: 19 July
● 2.7m claims made, £7.8bn value of claims made
Universal Credit: 23 June
● 3.2m individual declarations, 2.6m households, 1.1m advance payments
The outlook for Winter and 2021
www.policyinpractice.co.uk
4. In 2018 the Government launched the cross-departmental Reimagine Debt
programme, led by the Cabinet Office and two pilot local authorities. They initiated
proactive, preventative and holistic debt interventions with residents to improve
how money owed to local and central government was managed and collected.
Background and context
www.policyinpractice.co.uk
5. COVID-19 is changing caseloads
www.policyinpractice.co.uk
Less disability Less likely to be working
More claimants in receipt of Universal Credit
7. Data from 20 London boroughs since 2016
www.policyinpractice.co.uk
8. Benefit Cap: Key findings across London
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● The number of households affected by the benefit cap would double overnight
due to the benefit increases (to LHA rates, UC and tax credits)
● Households already subject to the benefit cap are missing out on more than
£400/month of benefit income on average after the changes
● The impact of the hardship fund is differs dramatically depending on the
generosity of local council tax support scheme
9. Living standards declined from 2016 to 2019
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Cash shortfall is when a
household’s expected costs
exceed their take-home
income.
In less than four years, the
proportion of working-age low-
income Londoners who are in
cash shortfall has increased
significantly.
10. Those impacted by welfare reforms fared worst
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11. Lone parents out of work were badly hit
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● We found that many of the groups most likely to be in cash shortfall are those
hit by more than one welfare reform
● For instance, lone parents out of work were disproportionately likely to be
impacted by the two-child-limit, the benefit cap, and have moved to UC
● In 2016, 22% were in cash shortfall
● By 2019, 38% were now struggling to make ends meet
● And recent research shows lone parents are among the worst hit financially
by COVID-19 ...
12. How did April’s Covid-19 reforms change things?
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● We modelled data to April 2020 so
we could assess impact of reforms
● Shows a big boost to low-income
Londoner’s incomes
● 6% of households moving out of
cash shortfall as a result of the
boost to UC, tax credits and LHA
13. Replace with Tom’s Housing Screen and Key points
www.policyinpractice.co.uk
● Increasing cash shortfall - though absolute levels varies between councils,
direction trending up
● Lone parents out of work almost twice as likely to be in cash shortfall in 2019,
compared to 2016
● Those impacted by welfare reforms fared worst - but often impact not quite so
severe, likely because of housing costs in London eg LHA or Benefit Cap
● Our report in March showed how April’s welfare reforms would boost incomes
● National trends are based on exploratory research in a few councils - we’re
eager to work with more councils outside London to go more in depth
15. New measure
on Borough
Explorer page
Added a measure for
the percentage of low-
income London
renters who spend
more than 30% of
their income on rent.
e.g. Disparities in
Greenwich
16. Secure, scalable, real-time updates:
● Monthly updates, with improved security, linkage and analyst time
● New claimants coming into the system
● Impact on arrears and housing affordability
● Future modelling of caseload and policy
● Predictive approaches to homelessness and housing need
● Immediate and actionable insight to improve lives
Real-time analytics will be crucial to the full picture
http://policyinpractice.co.uk/lsi-london/
17. “The more timely your data, the more powerful it is. If you want to
operationalise the information you're using it's absolutely critical that the
data is timely.” Mark Fowler, Community Solutions Director, LBBD
Automation and Innovate UK
www.policyinpractice.co.uk
18. Roadmap: Future modelling
Key drivers impacting on household and council finances:
● Will the emergency benefit changes be retained?
● What will happen to caseloads once the furlough scheme ends?
● Who are the new cohort, and how are they different?
● What is happening to poverty and ability to pay?
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20. A big jump in Universal Credit and CTS claims
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21. The post-COVID cohort are less likely to be working,
but also less likely to be long term unemployed
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22. Modelling the future: two key
questions
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Key questions:
1. How many households will be claiming CTR when the Coronavirus Job
Retention Scheme (CJRS) ends in April 2021?
1. How will the cost of your CTR scheme change as a result of this new
caseload?
23. What we can model: caseload
www.policyinpractice.co.uk
We are modelling the number of households claiming CTR in 2021 based on:
● Number of households in current CTR cohort
● Estimated number of households leaving the CJRS in April 2021, based on:
○ Number of CJRS households in LA
○ Proportion of CJRS households expected to become unemployed after
the scheme ends*
○ Number of CJRS households already claiming CTR
*The default rate will be based on the latest OBR estimates but can be set by the
LA for their own modelling purposes
24. What we can model: cost
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We are modelling the cost of CTR in 2021 based on:
● Actual CTR awards of the current CTR cohort
● Average awards for the projected 2021 cohort based on:
○ Average CTR awards for in work, unemployed and out of work
(carer/disabled/lone parent) households in current cohort
○ Projected number of in work, unemployed and out of work households in
2021 (using the demographic distribution of the new CTR cohort that
joined after April 2020)
26. Roadmap: New poverty metrics
www.policyinpractice.co.uk
Financial Resilience Income less estimated outgoings
Food poverty Households with income (after priority costs) lower than
Minimum Income Standard for food expenditure
Fuel poverty Households that would fall below the relative poverty line
if faced with fuel expenditure at the UK median level
Water poverty Households with estimated water and sewerage costs
greater than 3% of their income after housing and
household costs
Social Metrics Commission Income less unavoidable costs < 60% of UK average
29. Next steps
www.policyinpractice.co.uk
● Case study: Reimagine Debt
● Blogpost: Councils get faster data insights to boost their Covid-19 recovery
● Analysis: The impact of the COVID-19 Hardship Fund on low- income
Londoners
● Evidence: The interaction of COVID-19 measures and the Benefit Cap on
low-income Londoners
● Next webinars:
○ Wed 9 September: How viable is your council tax support scheme?
○ Wed 7 October: How to predict the demand for your customer-facing services in
April 2021
31. Thank you
Deven Ghelani, Director and founder
Duncan Hatfield, Policy and Operations Analyst
Terrin Mathew, Technical Data Analyst
hello@policyinpractice.co.uk
020 3239 5579
www.policyinpractice.co.uk