Cycling in Korea - People are nice

When things go smoothly, cycle touring (even a short one) can be a little dull. You get on your bike, ride somewhere, spending most of the time thinking about the next meal or cake. You worry a bit about navigation, how you will fix a major mechanical problem, enjoy the view, sleep, then do it all again.

And South Korea had the potential to offer on paper pretty dull cycling. But I happened to be there in November (as you do) and thought I would give it a go.

The local population is polite (it takes a while to get used to all the bowing) and kind. And it is one of the safest countries in the world with low levels of crime. Someone left an iPod unguarded in the communal area of a hostel I was staying in for two days – something you probably couldn’t do in many other countries.

The lack of information about how to go about cycling in Korea was worrying though. Most guidebooks warned against riding in the city (and indeed, in Korea in general). There were few maps out there and it seems that google aren’t allowed to let you download maps of South Korea for offline use.  I didn’t want to take a bike on the plane for a short trip, partly due to the additional cost but also due to my technical incompetence and lack of confidence that I could put the bike back together when I got there.

A few websites talked of significant investment in cycle paths, for example along some of the rivers. I chose to do a short trip along the cycle path which has been built between Seoul and Busan, the geek in me excited that they even have telephone boxes where you can stamp a card to prove you have done the route.  Navigation should be relatively easy as the 500km route broadly followed a pretty big river. I couldn’t get lost (right?).

There were a few maps online but they weren’t brilliant. Certainly not good enough if I came off the route at some point. Fortunately, before leaving I discovered someone called Jan Boonstra who sent me a link to some pretty detailed maps for the whole route.

Finding accommodation along the route was also a challenge, with no hotels at a convenient point. So I decided to risk a nice looking room in a house via Airbnb.

The next challenge was to find somewhere I could get a bike. For short rides there are places along the river where you can hire a bike. But I really struggled to find somewhere I could hire a bike for more than one day. Via Facebook I came across “Korea by Bike” who pointed me towards a bike shop “Bikely” in Seoul where I could hire a bike.

Bikely responded to my message quickly and promised to have a bike available for me. Unfortunately, they weren’t open on Sunday (when I wanted to start my ride) and didn’t open til 11am on the Monday. So my three-day ride became a short two-day ride.

The manager at Bikely was brilliant and twice talked me through the route I had planned, pointing out where I might go wrong. The cycle paths were like nothing I’ve experienced anywhere in the world. There were frequent toilets, water stops, air pumps. and even cycle shops/repair businesses along the route. The paths were immaculate and well signed. And despite having chosen a potentially dull route along a river, the views were spectacular. The route heads through valleys and even through tunnels dug out of mountains.

Because I hadn’t left until about 11.30 on the Monday, it was pretty dark by the time I got to where I thought my accommodation for the night was. Whilst Airbnb can be great, when you arrive somewhere in rural South Korea, in the dark, with no sign of the accommodation where it is supposed to be, no mobile signal and no internet, that you really could be in trouble.

I knocked on one door, only to have a very scared couple of Koreans shout me away. I imagine they don’t get many white people knocking on their door of an average evening. I knocked on another house to no answer. I saw a big house on a hill which looked a bit like a deserted restaurant and pulled my bike up 100 steps to the door. A Korean lady came to the door but didn’t speak any English. I managed to get a phone signal so called my Airbnb host and asked the Korean lady to speak to her to explain where I was.

It turned out that the location of the Airbnb accommodation was about 20 miles away and it was in the wrong place on the Airbnb map. I was beginning to panic.

Not entirely sure what I was going to do, a group of customers appeared at the restaurant, including, it turned out, a local dignitary. I stopped one of them who spoke a little English. I don’t really know what happened next except within a couple of minutes, the man said he was sure the owner of the restaurant would let me stay there. He seemed pretty confident given he hadn’t yet asked her. But he was right. They invited me in, cooked me dinner in the restaurant and even gave me a beer. They showed me to an outhouse with a bed in and lots of quilts to keep me warm. They didn’t charge me anything. People are nice.

Despite the 80km ride I didn’t sleep particularly well and got up at first light to head back to Seoul. I decided to head back a slightly different way and experienced a cycle route which just ended and left me on a pretty scary road for a few miles. The guidebook advice was right. Cycling in Korea away from the cycle paths was pretty frightening so I was relieved to get back onto the cycle path and head towards Seoul.

Cycling back, the route was even more enjoyable than on the way. I stopped for a cheap but excellent spicy Korean stew before passing a pretty impressive dam and the Olympic Stadium on the way into Seoul.

Korea is a brilliant place to cycle and definitely not dull. The city seemed pretty polluted (and gridlocked) and I’m not sure I’d risk cycling along most of the roads I saw. But over two days I managed around 160km along some of the best cycle paths I’ve ever been on.

I hope I manage to get over there again and do the route all the way down to Busan.

Jan Boonstra: http://janboonstra.com/

Bikely: https://www.facebook.com/bikely

Korea By Bike: https://www.facebook.com/Korea-by-Bike-KBB-607037326068398/

And my route: https://www.strava.com/activities/784709055 https://www.strava.com/activities/784709068

Parc du Cinquantenaire

A couple of days in Brussels and I had time for early morning runs in Parc du Cinquantenaire.

I did my longest run in a while and it felt relatively easy. There is a gentle uphill/downhill around the park which made for inconsistent lap pacing. There were lots of people out running even at 6am Brussels time.

 

The cost of long term care

This striking graph from the latest EU Ageing Report*1 highlights how the UK continues to spend a relatively small proportion of GDP on long term care (LTC).

It also highlights that, far from a demographic crisis in the long term costs of care, LTC costs as a percentage of GDP will increase in the UK by just 0.4% between 2015 and 2060.

What the data does not take account of however, is whether Government spending on care is adequate today, or indeed, whether it will be tomorrow.

We heard today from Age UK of a cost of almost £700m to the health service as a result of 2.5 million days of delayed discharge over the past five years *2.

So whilst there is some good news for the Treasury from the EU analysis, there is likely to be increasing pressure on Government to improve the quality of care as well as invest in prevention. Better integration of services could help hold back costs as can innovation in health and care.

Over the next five years we will start to see the return on recent financial and policy investment in integration. But the growing prevalence of serious illness amongst those aged over 80 and a growing ageing population will put pressures on budgets.*3

And as Age UK have highlighted today, squeezing social care is a false economy if it simply pushes up healthcare costs.

 David Sinclair
 *1 http://ec.europa.eu/economy_finance/publications/european_economy/2015/ee3_en.htm 
 *2 http://www.telegraph.co.uk/news/health/elder/11678941/Elderly-care-shortages-cost-NHS-669-million-as-toll-of-bed-blocking-crisis-spirals.html 
 *3 http://www.ilcuk.org.uk/index.php/publications/publication_details/serious_illness_in_the_over_50s

Also at www.ilcuk.org.uk

Worthing 10k

I’ve had a bit of leg/ankle pain for the last 6 weeks which I’ve been struggling to lose. I’ve been going slow for the last month and I didn’t run at all in the 8 days before the Worthing 10k to see if resting would make a difference. It worked. I’ve still a few twinges but I managed to get through the run without any major pain.

And I managed a PB in the run after cycling over from East Preston.

10 about the Worthing 10

• They gave away a new flavour of Lucozade (mango and passionfruit). It was good
• Weather was too hot
• But fortunately it wasn’t too too windy
• The course is an out and back one. It goes along the seafront but the sea is out of site for much of the run.
• I was beaten on the line by a women who I was behind for much of the race but who I took over in the last km. I’d have sprinted if I’d realised she was so close. (I do often try and keep up with someone else running at a similar pace to me)
• They gave small bottles of water at half way
• I got a medal. And no goody bag (in previous years I’m told they gave away mugs)
• I found it easier than the Bognor 10k a few weeks earlier where the wind hit me hard for the last 5km and I completely lost energy
• 10k is a nice distance for a run. 5k is basically run as fast as you can. 10k about a bit more stamina and getting pacing right is more important.
• I’ve discovered Jointace Gel. Very good massage gel for joints and muscles.
• I know I should start stretching after running. But I doubt I will. 

Toilets

Spotted in Portsmouth. They should do this in more places #toilets.

Bognor beach

Morning run along the prom in early March.

Before and after

Before

Half way

And after

Are we killing with kindness?

Our places of work and play are encouraging inactivity, risking our future health argued Public Health England (PHE) (everybody active, everyday) earlier this month.

“The design of schools, public buildings and urban spaces prioritise convenience and speed ahead of walking or cycling. People sit all day in offices where it is often easier to find the lift than the stairs. Concerns about vandalism and maintenance have left public spaces without the benches and toilets that allow older or disabled people to venture out. Cars and other vehicles dominate, not the needs of pedestrians.”

The new report points to a strong and growing evidence base that proves that physical activity is good for us. Yet it also points out that lots of us aren’t doing enough of it. Almost half of all women and one third of men are damaging their health through a lack of physical activity. This physical inactivity is costing the UK around £7.4bn a year. In historic terms, we are now 20% less active than in 1961. Much of the evidence isn’t new but it is very useful having it in a single place.

Everybody active, everyday, is interesting in its emphasis on the importance of interventions across the lifecourse. PHE state that “Being active at every age increases quality of life and everyone’s chances of remaining healthy and independent”.

The report notes that “physical activity declines with age to the extent that by the age of 75 years only one in ten men and one in 20 women are active enough for good health”. At the other end of the age spectrum they PHE that “between 2008 and 2012, the proportion of children aged two to 15 years meeting recommended physical activity levels fell from 28% to 21% for boys and 19% to 16% for girls.”

The report argues that we need to “embed physical activity into the fabric of daily life, making it an easy, cost effective and ‘normal’ choice in every community in England”. They emphasise the importance of everyday activity (cycling and walking), active recreation and (to a lesser extent) sport.

PHE point to the potential of the move of public health to local authorities by highlighting the successes witnessed by Finland over the past 40 years:

“Once the world record holder for heart disease, Finland started a nationwide campaign for change 40 years ago. The government shifted money to local authorities, a move similar to the transfer of public health responsibilities to a local level in England. Authorities responded by creating heritage and conservation trails, building active outdoor play and exercise spaces, and encouraging sport at all levels, formal and informal. They developed innovative approaches for distinct groups, such as the elderly or the persistently hard-to-reach, that directly addressed their problems. Change has run across all age groups: young people, working age and older people are all much more active.”

ILC-UK will next month publish a new think-piece (Public health responses to an ageing society) which explores the extent to which local authorities are making the most of the new public health powers they have. Without a doubt, the new powers could provide a major opportunity.

But without breaking our own embargo, it is fair to say that we have yet to be convinced that local authorities are making the most of the potential. PHE mention the importance of public toilets in public spaces, for example, yet the new powers does not appear to have reversed this trend.

If we want people as active road users (cyclists/pedestrians), we need to ensure these spaces are safe. Older people remain disproportionately likely to be killed on the roads yet road safety doesn’t seem to have adequately hit the agenda of public health.

The focus within PHE on active environments is extremely important. As is their emphasis on interventions across the life-course. But do we need to go further? If local authorities are to make a difference in this area do they need more power to make a difference? Yes they need to encourage and inform, and yes planning needs to be more holistic. But perhaps they also need more powers to influence the environment which has contributed to such inactivity?

Much of the emphasis in the report is in encouraging ‘good’. But sadly there is little if any emphasis on whether we might need to ban ‘bad’. If we want to get people to get on a bike or walk to the shops, for example, we may need to reduce the reliance on the car. This is an area we need evidence. But it is also one where we need a grown up conversation which isn’t immediately shut down on the grounds of “personal freedom”.

David Sinclair

‘Public health responses to an ageing society’ will be published by ILC-UK on 17th November 2014.

7 lessons from the Missing Million

Yesterday we published our Missing Million report with the support of Prime and Business in the Community.

What did we find?

Involuntary unemployment is not the exclusive preserve of the young

• Of the 3.3 million economically inactive people aged 50-64, approximately 1 million people have been made ‘involuntarily workless’
• There are around 1.2 million people aged over 50 would be willing to work if the right opportunity arose

Older people don’t take jobs from the young

• A higher proportion of older workers does not “crowd out” the labour market for younger workers. Our analysis shows that, on average, those local authorities that do well with regard to the employment of older workers also do well in terms of employing younger workers.

There is huge economic potential if we maximise labour market participation of older people

• 26% of people aged 50-64 who are currently out of work would like to work – this rises to 45.8% of all those out of work aged 50-54.
• 50-64 year olds account for 41% of the total number of people who are economically inactive aged 18-64 (as at Q1 2014).
• If the skills and abilities of the 50-64 age group were fully utilised and the employment rate matched that of those in their 30s and 40s, UK GDP could be £88.4bn higher in 2014 (equivalent to an uplift of 5.6% of GDP).

Self-employment is an important source of work for older people

• Self-employment accounts for 19.4% of all workers aged 50-64 and for 40.8% of all workers aged 65 and older.
• The 50+ age group accounts for 42.9% of all self-employment in the UK and 2 million people.

Companies who don’t do more to support extended working lives could struggle to get the staff they need

• The size of the UK’s workforce is likely to flat-line, projected to increase by just 4.5% over the next 20 years by comparison to an 18.2% rise over the last two decades.

We need to do more to prevent ill Health

• Among those in their 50s, long term sickness is the cause of half of all inactivity put down to poor health amongst those aged 50-54 and nearly 40% amongst those aged 55-59.

We need to create more opportunities for older people to work flexibly

• People over 50 want to see more flexible working options afforded to them, 15% even said they would even take less pay in order to work fewer hours – indicating that there is a large contingent of older workers who would like additional flexibility but who are locked into working long hours.

The report is available on our website.

Ben Franklin presented a few slides at the launch event.

The Missing Million from ILC- UK

Let's get Britain building

There are perhaps not too many areas where the CBI, the Ready for Ageing Alliance, housebuilders and the Labour, Liberal Democrats and the Conservatives all agree.

But one of them is that we need to build more homes.

ILC-UK’s own analysis has revealed, for example, that just to keep up with demographic change, we need new homes built at the fastest rate since the 1970s.  

Some of these homes will need to be retirement homes. A new study published this month by Knight Frank has highlighted a “chronic shortage” of retirement homes. The organisation, which surveyed people over 55, found that 25% (4.4 million) would buy or rent in a retirement village.

In 2011 Professor Ball said that the UK has capacity to get to 16k units a year for owner-occupied retirement housing. In 2013 Demos argued that around 1 in 4 of the over 60s would consider retirement housing (similar to the Knight Frank percentage).

In the UK, just around 1% of us live in retirement housing. This compares with 17% in the US and 13% in Austria. Even if Knight Frank and others have overestimated demand, it is clear there is likely to be a shortage of new retirement housing.

So why isn’t it happening?. The recession has had a negative impact. There was not enough money around to build and not enough demand as inertia and other barriers prevented older people making the move. Planning remains a barrier.

But perhaps things are about to change? Glenigan have found for example that the number of retirement housing units awaiting planning consent is more than double the number currently being built. This either reflects an imminent increase in new schemes or a slow planning process. Possibly both.

McCarthy and Stone have recently announced plans to reach 3,000 units a year by 2018, having sold 1,667 in the year up to 31 August 2014.

EAC and McCarthy and Stone have provided ILC-UK with new data on the number of retirement housing schemes (1) completed since 2005. These figures reveal a fall up to 2010 and a subsequent increase. The total number of new properties remains a long way off the 2007 figure.

Units (properties) update October 2014
Year completed	McCarthy and Stone	All	%
2005	1747	2708	65%
2006	2296	4152	55%
2007	2205	4542	49%
2008	2452	4249	58%
2009	870	2417	36%
2010	491	1160	42%
2011	892	1745	51%
2012	1166	2376	49%
2013	2071	2938	70%

It’s nice to see industry, charities, thinktanks and the three largest (2) political parties all agreeing. But whilst there is a consensus about need, making it happen seems a harder. Whilst the political parties advocate nationally, local MPs and Counsellors find reasons to object to housing. There is always somewhere better to put it (ideally someone else’s constituency).

And whilst the signs might look good, we have only built 200,000 homes in 4 out of the last 14 years. As our analysis showed, 200,000 is just enough to keep up with demographic change rather than address the current shortage. Even if we were to build 200,000, how do we increase the proportion of retirement housing as part of these numbers?

If we are to ensure the supply meets expectations, new housing (retirement and general needs) must be built according to the needs of an ageing society. We need lifetime homes standards, not a nonsense of “optional” age friendly standards for housing. If we don’t build the right homes, there will be limited incentive for older people to choose to rightsize and potentially free up bigger family homes.

Let’s get building. But let’s also build good stuff.

David Sinclair

Thanks to EAC and McCarthy and Stone for providing the new data.

1) UK numbers only include schemes that are staffed by something approximating to a traditional scheme/court manager. They therefore exclude developments that are simply age exclusive by virtue of planning consent. They are captured by year of completion, ie when people start to move in. The numbers includes schemes whose primary tenure is leasehold / freehold and the Scottish equivalent. There is likely to be some undercounting of (largely housing association) mixed tenure provision. EAC allocate all properties in a scheme to its dominant tenure.

2) In terms of Westminster Parliamentary seats

Adult vaccination in an ageing society

My presentation for ECCMID in Barcelona on Monday

Adult Vaccination in an ageing society: Immune response from ILC- UK

Payments divide

 

Last week’s infrastructure collapse by NatWest/RBS brought into focus our increasing reliance on technology to support payments.

Many thousands found themselves embarrassed in petrol stations and supermarkets, finding their credit and debit card’s refused. Online banking systems failed and consumers hit to social media to vent anger.

The way we pay for goods and services is hardly the sexiest topic we at ILC-UK are lucky enough to explore. But as we saw last week, it is all too easy to become complacent about what is a fundamentally important part of our economy.

Why do we care?

The recent Payments Markets Review by the Payments Council suggests a stalling in the long-term decline in the use of cash. While the volume of cash payments fell steadily up until 2010, it has increased slightly since then. But the long-term decline in cash use is expected to continue. By 2015 there will be more non-cash payments than cash payments. And by 2022 there may be more payments by debit card than by cash.

The evidence from the Payments Council shows a divergence by age group in how people pay for goods and services. We have witnessed a decline in cheque use over the past two decades or so, but whilst around one in twenty 16-24 year olds used a cheque in 2012, almost 7 in ten over 65s did. 16-24 year olds wrote around 3 cheques on average in 2012, compared to the over 65s who used them over 18 times.

Internet banking use by age also varies significantly. Around 70% of 25-34 year olds made internet banking payments in 2012, but just over 30% of over 55’s did. People aged over 65 made just over two remote payments on average in 2012 (that is, payments made using internet, telephone and mobile banking), whilst those aged 25-34 made around 12 on average.

A recent trend is the growth in mobile banking. This, too, shows a divergence in use by age but the service has not been around for long. A very small percentage of over 55s use mobile banking for payments compared to almost one third of 16-24 year olds.

Whilst a few percent of 25-34 year olds don’t use cashpoints, around 1 in 4 over 65s don’t. 25-34 year olds made over 70 ATM transactions in 2012 whilst those over 65 made less than 40 on average.

Why do our methods of payment vary by age?

On the one hand, younger people may be more likely to buy products and services (e.g. online subscription services) that can only be paid for using electronic payments.

And there are undoubtedly a small number of payments made by older people where cheque and cash payments are more convenient. Older housebound people are often reliant on cheques and cash and there may be no convenient alternatives. Research on financial exclusion (NB link opens pdf) has shown that people on a low fixed income perceive themselves to be more in control when managing money in cash than electronically.

But these are the exceptions and a huge number of transactions being paid for in cash by older people could potentially be paid for by cash and cheque. The new figures from the Payments Council reveal that 145 million of 485 million cheque payments are for purchases in the retail, travel, and entertainment sectors. A high proportion of these payments could potentially be made using other means of payment.

There is also likely to be a cohort effect, with some older people using cheques because they always have and younger people moving into new technology for payments.

What can we do?

The introduction of Chip and Pin by the industry helped raise the awareness in the industry of the diversity of their consumer base. Research showed that the hundreds of thousands of people living in the community with dementia might struggle with pin numbers. And criticisms from charities let to a recognition within the industry of the importance of ensuring more usable and accessible chip and pin machines. The industry responded with better designed machines and an exceptions service for those who couldn’t use Chip and Pin.

But if the trend away from cash payments is to continue, the industry must ensure that its products and services are as accessible, usable and well promoted as possible.

Information and advice is also vital. People of all ages need to understand how new technology works. An investment in financial education across the life-course is vital. There will be a link between payments exclusion and digital exclusion. If we are to get more older people using new methods of payment, we must invest much more in tackling digital exclusion.

To the credit of the Payments Council, they have done a lot of work on these issues. They have sought to better promote Chip and Pin and have tried to invest in materials to help individuals make the move from cash. They have also invested in research to better understand the older and disabled consumer.

But the payments divide will not just simply disappear. The growth in mobile payments highlight a new divide whilst the digital divide remains significant. As Nat West customers found this week, not being able to pay for what you want can be inconvenient and embarrassing. It can also have much more serious repercussions, contributing, for example to social exclusion. Payments might not be the sexiest subject for ILC-UK but policymakers, industry and regulators must not fall into complacency.

David Sinclair

First published at www.ilcuk.org.uk

New figures in this blog were provided by the Payments Council to the Payments Council Consumer Forum. Some of the information is available in this Payments Council report on Payment Trends http://www.paymentscouncil.org.uk/files/payments_council/statistical_publications/the_way_we_pay_-_february_2013.pdf.

Europe’s economy needs more older workers

 

Europe faces significant labour market gaps as a result of demographic change. In the UK alone there are 13.5 million job vacancies, which need to be filled over the next ten years. But only seven million young people are projected to leave school and college over that time.

Despite a growth in the number of older workers since the 1990s, the EU is still failing to meet its target set in 2001 to achieve 50% employment rate of older workers by 2010. Over the period 2002-2008, the average age of labour market withdrawal among the EU-28 had only increased by an estimated 1.3 years, from 60.1 to 61.4.

And whilst the employment levels of older workers has increased over the past decade by 10% there is significant variation across Europe. Just 13% of Hungarians aged 60-64 were in work in 2010 compared to over 60% of Swedes.

Our recent report, Working Longer, An EU perspective highlights interesting initiatives seeking to promote extended working lives from across Europe. For example.

§ Changes since 2006 in Sweden offer more favourable treatment for work related income than pension income.

§ Reforms in Croatia have meant that those who retire early are now subject to between a 0.15% and 0.34% loss every month in the value of their pension. In contrast, people who delay retirement are entitled to a 0.15% monthly increase in the value of their pension.

§ France has introduced a gradual retirement scheme, which allows workers to reduce their working hours on reaching 60 (62 in 2017) and receive a proportion of their pension in return.

§ A Portuguese New Opportunities Initiative gives preferential access for older people to lifelong learning.

§ The Finnish government has invested in the KESTO-program built up a database for research on extending working life.

Not all of these initiatives will work in every country and our analysis suggests a need for greater understanding of “what works”. Government initiatives to support older workers are often poorly evaluated for effectiveness. As a result it is difficult to “learn from the best”.

Older people have not been exempt from the impact of the recession. Governments have removed incentives to early retirement within pension schemes which has resulted in greater numbers being active in the labour market, but unemployed. Across Europe, a relatively high proportion of unemployed 55-64 year olds have not worked for 12 months or more.

In every EU Member State, the life expectancy of women is higher than that of men, by 5.9 years on average. Yet despite living longer across the EU, women participate less in the labour market and retire earlier.

Our report highlighted the need to do more to up-skill the older workforce across Europe. The current cohort of older workers in Europe have low levels of education and qualifications compared to younger groups.

It’s not just having a skilled workforce which is an issue. European policymakers must focus energies on creating the sort of jobs which European citizens want to do. There has been inadequate focus on the extent to which Europe’s economy has been creating the right sort of jobs to meet the needs and wishes of the supply of older workers.

One of the biggest challenges facing the working longer agenda is poor health of older workers. However, our analysis found relatively few initiatives by governments or employers to explicitly improve the health of older workers.

The EU has led the way in delivering legislation to tackle age discrimination in the workforce. But we must ensure the legislation is properly implemented. We must also monitor whether the legislation has tackled negative attitudes towards older workers.

On the one hand, the message is positive, participation in the labour force by older workers is up. But it is only moving up slowly. Those EU economies which take steps now to maximise the potential of older workers, are likely to see significant economic return on their investment.

David Sinclair

Working Longer: An EU perspective, supported by Prudential, explores how the EU and its 28 members have responded to the working longer agenda. It is available on the ILC-UK website at www.ilcuk.org.uk

Immune response

 

My presentation from this week’s launch of the ILC-UK report on adult immunisation is now on slideshare.

19Nov13 Immune Response - David Sinclair from ILC- UK

SAATI launch

 

I’ve been in Brussels for the day. For the launch of the SAATI report.

 

It was a good event. Having been involved for almost three years it was great to see the report come to fruition.

Outside the European Parliament, the homeless of Brussels use the Berlin Wall to store their blankets.

 

It was 20 degrees. In November. In Brussels.

Advice in an ageing society

 

I spoke at a conference in Leeds for Money Marketing last Thursday. The event was held at the Village Hotel South which is officially bloody miles from Leeds.

And the Leeds taxi drivers do enjoy very hot temperatures in their cabs.

I got an upgrade on the room so had Starbucks coffee and Sky Movies. Which was nice.

I’ve spoken at the hotel before – on the memorable speaking tour for a hearing aid company in 2011.

It was a nice excuse to get to see Mr Hopkins and family who live in Leeds.

Advice in an ageing society - Money marketing conference from ILC- UK

Fireworks at BRTFC

 

We popped to the fireworks at Bognor Regis FC. It was fun.

    

Car boot sales

 

I cycled to the car boot sale at Fontwell only to discover it wasnt on. Then went on to Ford where I met up with Michelle and George.

ten minutes

 

Not a bad place to sit and watch for 10 minutes when early for a meeting.

Bristol in a day

 

Another early flight. This time Edinburgh to Bristol, for the third of our face to face meetings with PFRC at Bristol University. ILC-UK are working with PFRC on an ESRC funded project on financial wellbeing in later life.

The project has been going really well (if i say so myself). We’ve already published work on mortgage debt and understanding the oldest old. We’ve got more work coming up on segmenting the older consumer, debt and financial satisfaction across the world. Bristol are doing most of the research and we are doing the dissemination and policy analysis.

We’ve had lots of press coverage for the project so far. And I recorded a podcast for ESRC/Understanding Society. Which you can find here.

There is lots of information about the project on the PRFC and ILC-UK website.

We discussed plans for the final launch events as well as academic dissemination. And Bristol took us out for a really nice lunch. Fennel and blue cheese tarte tatin to start and Quinoir and pumpkin for main.

When I got home I popped for a little  jog. Very pleased to do it as I really didn’t want to go out. The divergence on my circuit below due to me forgetting to pick up milk on the way home.