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achievement for our society. It provides us with opportunities for the future, but also challenges and it will require changes to the way in which we plan and deliver public services. The fact that ... should be a key consideration in the NDF, and that planning decisions should take into account how they will affect people across different stages of the life course of future generations. Given that Wales
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who have only an annuity income (i.e. no final salary pension) at six per cent. This suggests there will be only limited demand for re-assigning or re-selling annuities. It may be, of course, that asking ... annuity, as set out below. Gender There is some gender variation, with only two per cent of men willing to consider cashing in while six per cent of women would. This might be because women typically have
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your home will heat up at the same rate regardless of the temperature on your room thermostat. It’s a good idea to set your heating on a timer to turn on about an hour before you need it. Will turning up ... heat up my home more quickly? Does leaving lights on use more energy than turning them on and off? Will cavity wall insulation cause damp in my home? Commonly asked questions It can be tricky to know how
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are lots of organisations that can help you get back in control. Many offer free advice, and some will even help you create a personalised, step-by-step plan to become debt-free. Even if it seems impossible ... They should advise you on how to contact your creditors to arrange any repayments. Some advisers will help you with negotiating with your creditors. Let the adviser know if you’re facing an emergency
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would also be 4 important. As people are likely to have on average 11 jobs it is probable that they will move between contract and trust based schemes and so a greater degree of consistency would be useful ... convinced that the ABI’s approach towards independent governance committees will deliver truly independent bodies that will be sufficiently robust in pursuing member’s interests. 5. Which of the three
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a change can be implemented. Whilst we understand that calculating accurately safe staffing levels will take time to achieve, it is important that work in this area is implemented at pace to ensure that ... care in later years, it’s likely that the number of older people in residential (non-nursing) care will increase. As such it is important that community staffing structures reflect this important area of
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situation is getting worse. In many cases buses are being cut without suitable alternatives, which will leave older people stranded. This is about more than getting from A to B. The wider benefits of bus ... off work to take me because you can’t use the bus.’ Female, 65+, Northampton ‘I’ve got friends that will give us a lift if it’s a time where I need it, like a major appointment up at the hospital which I’ve
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on the future direction of public policy. We hope that any Government consultation on care funding will also consider how reform could help to improve transparency and consumer protection in this marketplace ... services must be properly funded, and the current pressure on local authority funding is such that this will be a challenge. Indeed, local authorities already have duties to provide information to help self-funders
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important that local authorities recognise that care homes are one of the places in which advocates will work, which would also promote the preventative agenda of the Social Services and Well-being (Wales) ... supplemented by a power to apply to the courts for an Adult Protection and Support Order (APSO). The Order will enable an authorised officer to secure entry to premises in order to speak in private with the adult
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way in which local authorities carry out their duties under the Care Act and the Human Rights Act will certainly affect the functioning and sustainability of the care home market. Public law duties which ... home market is currently workingi. These include requirements for relatives to guarantee that fees will be paid, requests for large upfront payments, unexpected or arbitrary fee increases, charges for ‘extras’
