Front Cover (Full Colour Image)

Mission statement To promote the well being of all older people in Herefordshire & Worcestershire and help make later life a fulfilling and enjoyable experience.
Our principles Ageism is unacceptable: we are against all forms of unfair discrimination, and challenge unfair treatment on grounds of age. All people have the right to make decisions about their lives; we help older people to discover and exercise these rights. People less able to help themselves should be offered support: we seek to support older people to live their lives with dignity. Diversity is valued in all that we do: we recognise the diversity of older people and their different needs, choices and values. Unity is our strength: it is only through working together that we can use our local, regional, and national presence to the greatest effect.

Legal & administrative information

Age Concern Herefordshire & Worcestershire was established in October 1986. It is a company limited by guarantee, registered in England and Wales No. 3942023. It is registered as a charity no. 1080545.
Principal Address & Registered Offices Age Concern Herefordshire & Worcestershire 6 Sansome Street Worcester Worcs WR1 1UH T 01905 726652 F 01905 610620 E ageconcern@achw.org.uk www.achw.org.uk The object of the Association shall be to promote the relief of elderly people in any manner which now is or thereafter may be deemed by law to be charitable within Herefordshire and Worcestershire. To promote the well being of all older people in Herefordshire & Worcestershire and help make later life a fulfilling and enjoyable experience. Fully covered in the Annual Report.

Charity Object

Mission Statement Activities, progress and achievements, review of financial activities Trustees Bankers

See Annual Report for full list. HSBC Bank plc Broad Street Worcester WR1 2EJ Rabjohns 1,2,3 & 4, College Yard Worcester WR1 2LB Harrison Clark 5 Deansway Worcester WR1 2JG Church Street Day Centre 20 Church Street Evesham Worcestershire WR11 6DS T 01386 422350 Age Concern Charity Shop 5 The Royal Arcade Pershore Worcestershire WR10 1AG T 01386 555744 CAF Bank Limited Kingshill West Malling Kent ME19 4TA

Auditors

Solicitors

Other Premises

Trustess Report 2004-2005

Honorary Chairman Immediate Past Chairman Honorary Vice-Chairman Honorary Vice-Chairman Honorary Treasurer President Local Group Representatives Mr John Allen Mr David Hendry Mrs Lynn Glaze Vacancy Vacancy Mrs Colette Colman Vacancy Mrs Valerie Stokes Mrs Carol Warren Mrs Jean Wagstaff Vacancy Elected Members (Voting) Councillor Leonard Barton Mr Dennis Norrie Mr Jeff Dry Mr Barrie Trumper Mrs Joan Akers Vacancy Co-opted Members (Voting) Mrs Susan Hawkins Mr Ali Asghar Mrs Maureen MacGregor Non-Voting Members (Adviser) Mr Peter Carter Mr Steven Blick Vacancy Mr Simon Hairsnape Mr Toby Bruce-Morgan Observers Mr Brian Burrows Mrs Sandra Crawford Mr Dennis Perkins Mr Robert Read Mrs Pat Simmonds Mr Keith Sherman Mr George Waugh Mr Paul Clayburn Mr Toby Bruce-Morgan Mrs Mary Wilkinson Mrs Megan Bennett Mr Ken Burrows Mr Derek Woodward-Sheath Age Concern Bromsgrove & District Age Concern Bromyard & District Age Concern Droitwich Spa & District Age Concern Hereford City & Rural (Robin Broad until 30.04.04) Age Concern Ledbury & District Age Concern Leominster & District (Gem Duncan until 30.09.04) Age Concern Malvern & District Age Concern Worcester City & District Age Concern Kidderminster & Wyre Forest Age Concern Ross-on-Wye & District Age Concern Redditch & District Independent Independent Independent Community First Independent Independent British Red Cross Worcestershire Racial Equality Council Herefordshire Diocese Worcestershire County Council Age Concern England Redditch & Bromsgrove PCT Herefordshire PCT A C H & W Trading Limited Age Concern Hereford City & Rural Age Concern Droitwich & District Age Concern Ledbury & District Age Concern Redditch & District Age Concern Kidderminster & Wyre Forest Age Concern Bromsgrove & District Age Concern Malvern & District (until 20.07.04)

(from 22.02.05)

(from 22.02.05)

(from 27.05.04)

Between April 2004 and March 2005 the Board of Directors has met 4 times with an average of 14 members in attendance.
Sub Committees met as follows between April 2004 - March 2005: 1. Finance and General Purposes Committee: Met 5 times. Members: Cllr L. Barton Steve Blick Ken Burrows Paul Clayburn Mary Wilkinson Derek Woodward-Sheath In attendance: Magda Praill Personnel Committee: Met 5 times Members: Joan Akers Cllr L. Barton Megan Bennett Paul Clayburn Maureen MacGregor Derek Woodward-Sheath Malik Fayaz (staff rep) Lin Hunt (staff rep) Alison Leggett (staff rep) In attendance: Magda Praill 3. Funding Strategy Committee: Met 5 times Members: John Allen Toby Bruce-Morgan Dennis Norrie Barrie Trumper In attendance: Sue Massey Melanie Poll (until 28.02.05) Magda Praill

2.

4.

Strategy Committee: Met 2 times Members: Steve Blick Ken Burrows Jeff Dry Carol Warren Derek Woodward-Sheath Davina Burdon (staff rep) Lin Hunt (staff rep) Carrolle Sajid (staff rep) In attendance: Magda Praill

Several working parties met during the year: Events Group Health & Safety Advisory Group Information Communications Technology Group Management Team Project sub-committees met for: Sitting Service Ethnic Minority Elders Steering Group Church Street Day Centre Policies adopted and reviewed during 2004 2005: Adopted: Reviewed:

Policy Review Group Premises Group Quality Action Group

Information & Advice Insurance Service

(until 30.09.04)

Policy on Whistleblowing Volunteer Policy Conflict of Interest Policy Terms of Reference Policy Confidentiality Policy (to incorporate a Data Protection Protocol) Equality and Diversity Policy

10.03.05 27.05.04 18.11.04 18.11.04 16.12.04 16.12.04

Schedule of Membership 2004/2005

Local AC Groups n Age Concern Bromyard & District n Age Concern Bromsgrove & District n Age Concern Droitwich & District n Age Concern Hereford City & Rural n Age Concern Kidderminster & Wyre Forest n Age Concern Ledbury & District n Age Concern Leominster & District n Age Concern Malvern & District n Age Concern Redditch & District n Age Concern Ross-on-Wye & District n Age Concern Worcester City & District Organisations n Alzheimers Disease Society (Worcester Branch) n Anchor Staying Put n British Red Cross n Bromsgrove District Council n Civil Service Pensioners Alliance n Community Action (Malvern & District) n Community First n CRUSE (Worcester branch) n Deaf Direct (Hereford) n DIAL, South Worcestershire n Diocese of Hereford n Diocese of Worcester n ECHO n Ethnic Access Link Scheme n Evesham District Pensioners Association n Evesham & Pershore Housing Association n Family Friendly n Harrison Clark, Solicitors n Hereford & Worcester Fire Brigade n Hereford Volunteer Centre n Herefordshire College of Technology n Herefordshire Council n Herefordshire Federation of Womens Institutes Individual Members n Toby Bruce-Morgan n Cllr Allah Ditta n Antonia Gibbon n Mary Godsmark n Mocha Miah n Anne Parker n Brenda Pennycook n Paul Smith Honorary Officers & Independent Trustees n Paul Clayburn n Mary Wilkinson n Megan Bennett n Ken Burrows n Derek Woodward-Sheath n Joan Akers n Cllr Leonard Barton n Jeff Dry n Dennis Norrie n Barrie Trumper n Toby Bruce-Morgan (until 30.09.04)

n n n n n n n n n n n n n n n n n n n n n n n

Malvern & District Civil Service Pensioners Alliance Malvern Hills District Council Maureen Parsons (ACAP) Pershore & District Voluntary Help Centre Ravenstone Nursing and Residential Home Redditch Borough Council St. John Ambulance Salvation Army S.S.A.F.A. & Forces Help Society (Worcester Branch) University of the Third Age Vale of Evesham Volunteer Centre Womens Royal Voluntary Service Worcester City Community Services Department Worcester City Council Worcester City Volunteer Centre Worcester College of Technology Worcestershire Association for the Blind Worcestershire Association of Carers Worcestershire County Council Worcestershire Racial Equality Council Wychavon District Council Wyre Forest District Council YMCA, Worcester

(from 01.10.04)

Staff with Age Concern Herefordshire & Worcestershire

Chief Executive Services Support & Development Information Service (South Wychavon) Information Service (Worcester) Training, Ageing Well & Resource Ethnic Minority Elders Project Manager Development & Information Officer Information & Advice Support Manager Information Officer Project Officer Age Resource Desk Support Worker Admin Assistant Project Officer - Development Project Officer - Activity Co-ordinator Project Officer - Information/Advice Information Officer for Asian Women Finance Officer Finance Assistant P.A. to the Chief Executive Admin Support Worker Admin Clerical/Finance Assistant Admin Clerical Assistant Manager Administrative Assistant Sitting Service Co-ordinator Assistant Co-ordinator Support Assistant Floating Support Worker Manager Senior Care Assistant Senior Care Assistant Care Assistant Care Assistant Mini-bus Driver Project Officer Admin Assistant Co-ordinator Adminstrator Gardener Handyperson Shop Manager Magda Praill Lin Hunt Gill Hyatt Angela Webber Carole Bryer (from 01 03.05) Cat Hayward Angie Harris Caroline Maxwell Carrolle Sajid Malik Fayaz Salma Khandokar (to 17.02.05) Shazia Kosar (until 21.06.04) Davina Burdon Bronwen Fragiotta (from 14.03.05) Helene Garnett Nicola Hampton (until 31.03.05) Melanie Poll (until 28.02.05) Margaret Smith Diane Smith (from 14.06.04) Roger Davidson (from 21.07.04) Lynne Matthews (until 25.06.04) Jill Taylor Sue Abbott Miriam Tresidder Felicity Fudger Tina Nice (from 02.02.05) Kym Devine (until 31.03.05) Maureen Davis Alison Leggett Helen Green Maxine Hemming Vincent Walsh Catherine Hayward Caroline Maxwell (from 18.10.04) Ray Waltham (until 16.07.04) Caroline Maxwell (from 19.07.04) Tim Gould (from 03.08.04) David Sedgwick (from 03.08.04) Caroline Maxwell (until 01.09.04) Nicola Hampton (from 01.04.04) Sue Massey (non-staff member)

Central Administrative Team

Insurance & Trading Services

Church St Day Centre

Footcare Project Handyperson/ Gardening Scheme

Pershore Shop

Volunteer Support Project Project Officer Fundraising Consultant

Volunteers working with Age Concern Herefordshire & Worcestershire

A C H & W Trading Ltd (from 01.10.04) Brian Hollett Margaret Morris Admin & Reception Vijay Aggarwal Pete Parker Age Resource Desk John Brown Marion Large Ageing Well Colette McGill Margaret Davies Diane Smith David Buckley Peter Turrell Judy Smith Maureen Clarke Betty Carter Brenda Edwards Mary Duddington Doreen Stephenson Brian Cash Catherine Guest Jenny Wood Robin Heaney Ghizlane Lafdi Ann Young Angie Harris

Church Street Day Centre Kathleen Bond Christopher Collins Enid Keep Elaine Litterick Computer Club Marion Heyman Eric Silverstone

April Turner

Ethnic Minorities Elders Project Catherine Brooks Jeff Carpenter Footcare Service Rowena Bourne Bea Macgowan Dot Thornley Jean Ellin Helen Martindale Maureen Walker Derek Foster Margaret Pearson Chris Waller Angie Harris Roger Spencer Monica Kelly Alison Smith Ellie Woods Marion Heyman Maria Leighton Don Smith

Information & Advice Service - Worcester Carole Bryer Catherine Guest Carol Morris Margaret Smith

Carole Mitchell

Information & Advice Service - South Wychavon Penelope Ingles Diana Jones Jane Vacalopolous Insurance & Trading Service (until 30/09/04) Brian Hollett Margaret Morris Pershore Shop Rowena Bourne Betty Middleton Sitting Service Ted Allen Georgie Bax Denise Carpanini Margaret Davies Gill Hodgetts Laura Long Tina Nice Amanda Peters Pamela Rolls Ann Tillier Brenda Bowley Fay Scott Linda Amor Ethel Bayliss Michael Castle Lorna Filshill Jean Hopkins Bernardette Macfarlane Dennis Norrie Valerie Prodger Richard Rowan Karen Townsend Margaret Hart Barbara Shalders Hilary Archer Bob Bourne Janet Charles Derek Foster Jan Johnson Hazel Matthews David Pawlyn Stephen Rix Gillian Skilton Anne Watson

Lesley Vickers

Chrissy Haworth

John Lester

Eric Arnold Maureen Bourne Kirstie Chippendale Melanie Garland Mary Knowles Nicola Mills Rita Pearson Peter Roberts Rosemary Thomas Sylvia Williams

Angela Baria Patricia Burton Sue Colclough Pat Hearnden Diana Lacy Joe Mole Margaret Pearson Fiona Robinson Caroline Thomas

Chairman's Report 2004/2005

As chairman, giving my first report, thanks must be given to all those organisations and individuals whose financial help enables our staff, volunteers and trustees to do such an excellent job in supporting older people whose needs we are able to meet. It is so refreshing to see in Age Concern such a caring approach, where people are the centre of importance, and in addition to our clients I also include all those who contribute to our work. This is particularly so when the world about us appears to be increasingly focused on material matters. The organisation has over the years been built to engage and operate the best of management practices even though its annual budget is modest. This is an unsung strength and enables us to achieve far more and in a more rewarding way. This quality played a significant part in my decision to accept the nomination for Chairman. Just over a year ago focus began to emerge for the need for new premises, which would take the shape of an asset rather than a cost. Whilst the need was in the wings, I am especially grateful to all the staff and volunteers who attended the away day and ensured that our aspirations moved out on to the stage. I am fortunate to be in the chair at this exciting time and, whilst recognising the lengthy process this may involve, my hope is that we will be able to tell you about concrete plans next year. I have a sense that when the organisation has the security of its own new premises it will bring with it an even greater potential to achieve our objectives in our work with older people. One of my first thoughts as chairman was to meet many of the other Age Concerns in the two counties. I hope that those I was able to meet were also of the view that it was of value. I have come away with the opinion that the objectives of the Age Concern movement are best achieved when managed by local groups, addressing local needs and accessing local financial support. It goes without saying, that we are always keen to have volunteers come forward offering their time. This also extends to those with skills that would compliment the board of directors. So if you or someone you know thinks they might have some spare time, please be encouraged to come forward. May I thank all those who have enabled me to make a positive contribution as chairman. May I particularly thank Magda Praill, her management team, and all the staff and volunteers - they are the people who have delivered the achievements and built a good sound organisation.

Paul Clayburn Chairman

Report on Activities 2004/2005

Introduction
The past year has seen Age Concern Herefordshire & Worcestershire continuing to consolidate, develop and improve the way the Organisation delivers services and undertakes its activities. This has been led by both the requirement on trustees to ensure the highest percentage possible of income raised is used for the benefit of its users, together with the increasing expectation that all agencies will actively work together for the benefit of users in order to ensure value for money invested in those services. In addition to this, the voluntary sector needs to demonstrate what added value it can offer to the quality of life of those people it supports. Within the Quality Counts standards expected of all Age Concerns in membership of Age Concern the Federation, all of the above has to be demonstrated in practical terms and in the outcomes achieved for those older people and their families supported by the work we all undertake. The report which follows will show how much we have achieved in responding to the areas for development identified last year, will report on general progress within each standard, and identify further development work we need to undertake during the coming year.

Standard 1: Involving Older People

This past year has seen the publication of the results of two surveys of older people undertaken by Age Concern Herefordshire & Worcestershire, one in each county. In Herefordshire the Lifestyle Report and in Worcestershire the Information and Older People Report have both engaged with a wide cross section of older people, enabling them to comment directly on those areas of their lives which both voluntary and statutory sector agencies are endeavouring to identify for support. n Would like to be able to get some sort of service list for getting odd jobs done. n Any help I have asked for has always been reasonably clear, but face to face is always better n I do not wish to berate any of the efforts of those trying to help the elderly, but a change is really necessary for the elderly to be helped with what they say they need, not with the things that do-gooders think we need or what they imagine would be good for us. In Herefordshire we are still working towards the development of older peoples forums across the county; funding has been particularly difficult to identify, but we expect to have at least some pilot funding in place by September of this year. The Age Concern Advisory Panel (ACAP) in Herefordshire has agreed to become the steering group tasked with taking this forward and, from the responses received via the Lifestyles Report, more than sixty older people have asked to be involved as the forums develop. n I would be interested in more activities, but find the cost of entrance fees etc too high n I would go to a gym if it was affordable n Would you consider at some stage moving to a small more manageable property?" "Over my dead body! n Unable to attend evening meetings as car didnt pass MOT (We are very grateful to Christopher Massey for undertaking the collation and interpretation of the results for both of these surveys.) 10

The Saathi lunch club in Worcester continues to offer an informal opportunity for Asian elders to share their issues and concerns with the wider voluntary sector as well as statutory agencies; the lunch club, together with the Ethnic Minority Elders' Project Advisory Group, is a source of information for statutory services, and enables them to reach communities which they have had difficulty reaching in the past. The development of the lunch clubs in Kidderminster and Redditch are as a direct result of the very positive reputation Saathi has deservedly earned. Through the work of the Information Services in Worcester and South Wychavon, policy issues are identified and passed on to the Policy Unit at Age Concern England, which helps to reinforce their campaigning work with Government. In addition, the Wellcheck assessment schemes are able to identify gaps in service provision which helps to inform the service planning undertaken by Worcestershire Social Services; the two most often cited as missing are transport and housework services. Client feedback is an area we are always trying to improve upon, not least to help us to plan our service development. Over the past six months we have had the benefit of two social work student placements who, amongst other things, have developed, piloted and are now rolling out a client survey. They are contacting clients directly, going through the questionnaire with them and then feeding back to the project officers in order to help them to improve their services. It has been a long-held aim of the Organisation to find a way of receiving objective feedback from our clients, and this is proving to be just as successful as we had hoped. Insurance service customers have consistently found it very frustrating that they have not been able to speak to our Insurance advisers in the afternoons, because our public office closes at 1.30pm. We were therefore very pleased that a Business Development Loan was approved by Age Concern Enterprises, which has enabled us to recruit another part-time member of staff for the Insurance Team. Together with the recruitment of volunteer receptionists for the afternoons, and cover being available in the Information Service, we are now able to open two afternoons a week and more afternoons are planned this year. Developments planned: n The recruitment of an independent volunteer to provide us with objective feedback on a regular basis in the future. n The extension of the Insurance Service through local Age Concern Groups, not in membership of the ACENT Trading Alliance. n For the Worcester office to be open every weekday afternoon.

Standard 2: Diversity and Equality

We continue to look for ways of widening the accessibility of our services to all older people and their families across the two counties. There are several aspects of accessibility on which we have concentrated this year: n The physical constraints of our Worcester building involves some creative problem solving, and has lead to solutions such as one volunteer using the car park of a neighbouring organisation for a Shopmobility scooter, to enable her to volunteer on reception. n A disability audit has been undertaken and actions put in place wherever possible to meet any deficiencies identified. n We have now established a working group to look at ways of making our existing services more accessible to gay, lesbian, bisexual and transsexual older people in the community through using the rainbow symbol, varying the images we use, making contact with officers in other agencies working with this group and through learning from the work undertaken by other Age Concerns across the country. 11

n We use hearing loops, information is available on cassette, in different languages and we use larger type for our promotional material and fact sheets. n Information services hold outreach surgeries in sheltered accommodation and libraries, and will do home visits for those not able to come to us. n Ethnic elders are now confident in accessing information services and comfortable in raising and discussing areas of concern with the Ethnic Minority Elders' Project. As Age Concern Herefordshire & Worcestershire is committed to the well-being of all older people, supports their dignity and worth in society, and respects and values diversity and equality in everything we do, we see training as crucial to ensuring our actions reflect this commitment. The training we provide includes: Equal Opportunities, Cultural and Disability Awareness training as part of our core training for all staff and volunteers. Cultural Awareness training delivered to statutory agencies, including Home Care, and care homes during the current year. We endeavour to ensure our recruitment of staff and volunteers reflects the wide cross section of the communities in which we work: Promotional literature for volunteers uses language and images which encourage and promote applications from prospective volunteers from diverse and varied sectors of the community, cultural, religious and educational backgrounds. All our staff recruitment follows best practice. The Personnel Committee receives equality and diversity monitoring reports annually and identifies action required to broaden our reach. Developments planned: n Development planned in the coming year includes work with Herefordshire Voluntary Action and the Infrastructure Consortium in Herefordshire on identifying the needs of older people from minority communities in the north of the county; this is seen as a pilot, the learning from which will be used in developing work into the rest of Herefordshire. n Continued exploration and development of fully accessible premises for delivery of existing and new services and as our main administrative office.

Standard 3: Volunteering
Age Concern Herefordshire & Worcestershire would not be able to provide the majority of services without the generosity of those committed people who volunteer to give up their time and to contribute their skills. They directly provide support to older people and their carers who so badly need and so gratefully receive it. We were very pleased to receive approval of a Community Fund application for a Volunteer Support Officer at the end of the last financial year and together with additional funding from our Opportunities for Volunteering grant, this post is now full time. Over the past year, in addition to the recruitment and 12

placement of volunteers with our various projects, the Volunteer Support Officer has ensured the updating of our Volunteers Policy and Procedures so that they are now fully compliant with best practice recommended by Age Concern and Volunteering England. In order to give volunteers proper support to do their chosen tasks, we offer training and social occasions, and some specialist training for services such as the Footcare Scheme. Social evenings, volunteer lunches and our annual volunteers garden party help volunteers to meet those working in other projects, so that they are able to see how their commitment fits in with all the other work undertaken by the Organisation. These events also help us to thank our volunteers, in a small way, for all that they contribute to our work. "If we were to equate the time our volunteers contribute to our work in monetary terms, the 12,000 hours would be worth approximately 115,000 - a generous gift indeed!" Developments planned: n Development during the current year will focus on expanding volunteer support for the new Peer Mentoring Scheme, together with the Insurance Service, in particular extending an outreach insurance service to local Age Concern offices. The requirements of the Financial Services Authority now restrict the levels of activity able to be undertaken away from the main office, however, with the correct level of training, and regular support from our Insurance and Trading Manager, we hope to be able to offer local Age Concerns the opportunity to benefit from providing at least a basic level of service to older people in their own localities.

Standard 4: Governance and Management

The trustees of Age Concern Herefordshire & Worcestershire continue to ensure that all legal requirements are complied with within company and charity law. There is a full range of policies and procedures in place, which are reviewed regularly within an agreed timetable. All staff and volunteers are well informed about the comprehensive range of policies we have in place, and our training reinforces our various responsibilities. In addition, the Information Services have maintained the Community Legal Services accreditation at General Help with Casework level for a further year; the Insurance Service complies with the Financial Services Authority regulations, and we have applied for a consumer credit licence from the Office of Fair Trading; this has now been ruled as a requirement for the delivery of our Insurance Service. Data protection registration is maintained and proper consents are obtained; risk assessment is undertaken on a quarterly basis of all major risk areas in the Organisation, and Health and Safety is overseen by a dedicated sub-committee. All staff and volunteers are checked through the Criminal Records Bureau process, as we are working with potentially very vulnerable older people. During the next few months our Investors in People accreditation will be reviewed, this year within the newly developed standards, which now mirror more appropriately the way organisations plan, develop and evaluate how investing in the development of staff and volunteers helps to improve the delivery of an organisations work. 13

As more and more of our services are now delivered within a service level agreement with our funders, including local councils, regional and national government, and Europe, we continue to refine the systems we have in place to gather statistical information needed in order to provide monitoring information within the requirements of these contracts. Although this may seem to be becoming increasingly bureaucratic, the management of information being retrieved from these systems empowers the Organisation to constantly improve the way it functions and controls its activities. A C H & W Trading Ltd., the trading company wholly owned by Age Concern Herefordshire & Worcestershire (the charity) was made active in October 2004 in order to take over responsibility for the Insurance Service. The Insurance Service staff were transferred to the trading company under TUPE; a start-out loan was allocated by the charity, with a one year repayment condition which has already been repaid. The Trading Company has also been able to Gift Aid 10,000 to the charity, reflecting an excellent 37% increase in business over the year. This crucial unrestricted funding supports the underfunded areas of work, but in future will be available for those areas of work not attracting external funding, as well as supporting non-project costs in the organisation. Developments planned: n An area for development identified for the coming year concerns Information Communication Technology (ICT). As the Organisation becomes more reliant on computerised communication and record-keeping systems - right across all areas of our work - it is becoming increasingly important for dedicated staff time to support, maintain and develop the equipment and software we use, together with the necessary increase in the competence of staff to use it effectively. We will therefore be looking to acquire the necessary skills in house during the current year.

Standard 5: Information and Advice

Age Concern Herefordshire & Worcestershire has worked hard over the past eight years to develop high quality, accredited and effective information services covering Worcester City and South Wychavon and we have developed specialist information services for ethnic elders across Worcestershire. The staff and volunteers providing information services all receive induction training, service specific training and updating on a regular basis. All other staff and volunteers within the Organisation receive training in signposting so as to ensure older people are referred for detailed support to our specialist service - a key requirement for compliance within the Community Legal Services accreditation. Information resources are fundamental in providing the service, and are regularly reviewed and updated to ensure information is as accurate as possible. Help with form filling has always been an integral element of the service, and with the Pension Service Partnership Fund grant, some additional staff time has been allocated in order to extend the service by providing outreach surgeries across Worcester, concentrating on Pension Credit and other welfare benefit take-up, through home visits and library surgeries to reach those reluctant to claim benefits which make such a huge difference to the quality of peoples lives. n Mrs X was desperate and we were able to resolve a problem for her with a pension credit claim - she said she didnt know what she would have done without us. n Mr Y was very grateful that we were able to obtain funds from a charity to pay for a portable oxygen unit so he could make the occasional trip out - he said it had transformed the quality of his life. The Ethnic Minority Elders' Project was able to provide a specialist energy advice service to black and minority elders through funding granted by the NPower Health Through Warmth scheme. The surgeries we host for other agencies including the Pension Service, Inland Revenue, legal and tax issues, and our Wills 14

Service, all extend the types of advice we are able to offer our clients. In South Wychavon, and with the service for Ethnic Minorities, we include a Wellcheck assessment, which identifies a wide range of possible resources and help available for individual older people to access; as these assessments are undertaken by Information Officers, they are then able to support our clients to access this help without unnecessary delay. The South Wychavon service has achieved a 90% success rate in gaining benefits for clients, Attendance Allowance in particular; the service helps with two or three applications a week. n A grateful client writes: Just to thank you for your efforts on my behalf and let you know that because of your efforts, I have received notification of an Attendance Allowance to be paid at the highest rate of 60.60! I am completely overwhelmed, especially as I wasnt really expecting anything. With increased staff hours from additional Wellcheck funding, even more older people will be able to be helped to improve their income quite considerably. Developments planned: n We are looking forward to the appointment of a new part-time Information Officer for South Wychavon, through the extra funding for Wellcheck schemes, who will be concentrating on the north of the area in particular.

Standard 6: Service Provision

We have continued to provide direct support to older people and their families and carers through the Church Street Day Centre in Evesham, the Worcestershire-wide Sitting Service, the Footcare Scheme in South Worcestershire, the Handyperson and Gardening Scheme in South Wychavon, the Saathi lunch club and the Exercise Classes for ethnic minority elders in Worcester, and the new Asian lunch club in Kidderminster. Over the past year the Ethnic Minority Elders' Project has taken two groups of Asian elders to visit historic buildings, Witley Court and Stoneleigh Park, both of which are managed by English Heritage who provided the transport for the group visits. The Computer Club has also been a very successful innovation; we received funding from the Dixon Group Foundation which enabled us to purchase 2 new laptops, giving us up to 5 computers to use for each session. The computer courses (developed and run by Helene Garnett) continue to attract older people who want to learn more, often following their taster sessions with the Age Resource Desks. We now have two volunteers running the club and two volunteers running the courses, which we hope to start again after the summer. The Footcare Scheme continues to grow, and the Tai Chi classes are also proving extremely popular. With the successful application for a grant from Nationwide, we will now be able to develop the Peer Mentoring Scheme. We have pursued possible funding for the continuation of the Caring Contacts scheme, which has been on hold over the past year; now with grants from Lloyds/TSB and the Zurich Cares Foundation, via Help the Aged, we will shortly be appointing a project officer for the Call in Time project, which will be a daily telephone support scheme, expanding on the service we were offering from Caring Contacts. 15

The Sitting Service is now able to meet the needs of younger adults with a physical disability, and will be developing spot purchasing from specialist providers such as Worcestershire Association for the Blind. Phase 2 of the River Tales project still awaits its full funding, but we are half way there with the Leader+ funding from the Herefordshire Rivers Project. Training continues to be an important aspect of each projects action planning. The Ageing Well project provides a training programme, including our core training for all staff, volunteers and trustees. In addition, the specialist training which we provide is available for other agencies to purchase, and demand continues. As mentioned above, the different elements of our Equalities and Diversity training continues to be purchased by statutory agencies whilst the Activity Leaders and Dementia Care training courses are popular with care providers both in the private and voluntary sectors. Formal qualifications are now becoming increasingly important, and the Day Centre staff are either currently or about to work towards NVQs 2 and 3; the newly appointed Co-ordinator will be starting her NVQ4 in Care & Registered Manager's Award. Staff rotas will become even more of a challenge over the next few years! Developments planned: n The coming year promises to see several new areas of work including the Senior Peer Mentoring Scheme, a Call in Time, River Tales and the new Asian lunch club in Redditch. n During the past year, the Housework Brokerage pilot project has proved to be more successful than envisaged; this is delivered by Age Concerns Bromsgrove and Malvern, with Age Concern Herefordshire & Worcestershire being the lead agency holding the contract. We will be looking to identify a cost-effective way of rolling this out across the rest of Worcestershire during the coming year. n The Day Centre should also be taking ownership of their new mini-bus in July, with many thanks to the Gannet Foundation for being so patient!

Standard 7: Partnership
The potential partnerships open to Age Concern Herefordshire & Worcestershire for service provision are many and varied. Over the past year our partners have included Coventry University Enterprises for the Information, Advice and Guidance for Over 50s project, the Rising Dragon Tai Chi school, South Worcestershire PCT for the Footcare Scheme, University College Worcester for the Asian exercise classes, the Safe and Sound project in Wychavon with the Handyperson Scheme, and the Kidderminster lunch club with Social Services and Worcestershire Racial Equality Council. In addition there is a good working relationship with Community Action Wyre Forest and the Sitting Service to promote the service to volunteers in their area, including using their local telephone number as a contact point, also the Admiral Nurse with the Day Centre in Evesham and the Carers Support group for the area. Our partnerships with local Age Concern groups and other voluntary organisations also enable us to deliver services over wider geographical areas; these include the Sitting Service (ACs Droitwich and Bromsgrove and Carers Careline in Redditch), the Housework Brokerage (ACs Malvern and Bromsgrove), AC Leominster with training and the IAG Over 50s project, and various Age Concerns for the Age Resource Desk computer tasters. We were pleased to successfully bid for a Long Term Winter Warmth Grant from Age Concern England, funded by BAE Systems which was then matched by Worcestershire Social Services Department; this enabled the grants to be shared with Age Concern groups across Worcestershire to provide emergency packs for use in very cold weather. We hope to be able to bid ready for next winter.

16

The Fundraising Partnership, members of which are all the Age Concern groups across the two counties and Age Concern Herefordshire & Worcestershire, is now really coming into its own. The Tescos fundraising campaign and the agreement with Age Concern England on individual donor fundraising will both utilise the Partnership as a vehicle for receiving and distributing funds. Age Concern Herefordshire & Worcestershire is in partnership with other infrastructure agencies in both counties which produced an Infrastructure Investment Plan presented to Defra and Government Office West Midlands for Change Up funding for voluntary sector development. Each county has different priorities; in South Wychavon we are partners in the development group lead by the Volunteer Centres in Evesham and Pershore, and in Herefordshire we will be working in partnership with Herefordshire Voluntary Action on identifying minority needs in the north of the county and with the Voluntary Sector Assembly on the development and involvement of older peoples forums. In addition, we continue to work closely with all those agencies working to improve the lives of older people across the two counties, with Age Concerns across the Region and nationally with the Federation through the Membership and Standards Committee in particular. Developments planned: n Our role as lead agency in service development will increase with a grant from the Herefordshire Crime and Safety Partnership, which will fund both capital items and also provide pump priming funds for Age Concern Ross and Age Concern Ledbury to develop their Handyperson Schemes. n AC Redditch has asked for our support in developing their ability to move the organisation forward, critical to which is the appointment of a full time Chief Officer; we have therefore applied for a grant from Age Concern England to enable them to roll out comprehensive service development. Conclusion: At Age Concern Herefordshire & Worcestershire we continue to develop our ability and capacity to respond to the ever changing environment within which we work. There are two key tasks we have set ourselves for the year to come: firstly, to introduce a full cost recovery budgeting process so that we are applying costs properly and more appropriately to our project budgets, thereby reflecting clearly the full cost of the services we deliver; and secondly, to work actively towards the development of new improved premises for the Organisation, thus enabling us to expand and improve our direct service and support to older people and at the same time investing our funds in an asset owned by the charity, instead of those of our landlords. We continue to commit a substantial amount of resources in the support and development of local Age Concern groups across the two counties. It is vital that there is a strong and effective network of local groups, this is key to ensuring that older people and their families across the two counties are able to receive needed and good quality services in their particular areas. This is the real strength of the federation of Age Concerns across the whole country; the Quality Counts standards are key to ensuring there is consistency in all that Age Concerns deliver.

17

Distribution of Income
General Fund 5% Core Activities 8% I/A Worcester 6% I/A Women 2% I/A South Wychavon 6% Caring Contacts 1%

Insurance 9% Shop 2% Ross Development 2% Handyperson Scheme 4%

Ethnic Minority Elders 13%

Sitter/Sitting Service 14%

Church Street Day Centre 21%

Training/Ageing Well/Resource 7%

Sources of Income
Sales and Fundraising 3% Commission 9% Fees and Reimbursements 5% Learning and Skills Council Herefordshire and Worcestershire 6% Charitable Trusts 4% Community Fund 9% Age Concern England 5% Health Funding 2% Donations 1% Interest 1%

Local Authority Funding 56%

18

Report of the Hon. Treasurer

1. The audited accounts cover the period from 1st April 2004 to 31st March 2005. They have been prepared by our Finance Officer and accord with charity and company law. The balance of 242,250 comprises 134,468 in Restricted Funds and 107,782 in Unrestricted Funds - our own money. The Unrestricted Fund is allocated between: 2005 52,409 55,373
----------

General Fund Insurances Events Safety Net

2004 12,208 279 282 50,373

----------

107,782
======

63,142
======

The Insurance Services ceased to operate from within the charity at 30th September 2004 and were moved into A C H & W Trading Ltd, a fully owned subsidiary of the charity, on 1st October 2004. The balance in the Insurance project of 6,522 was transferred to the General Fund on that date and, together with the balance in A C H & W Trading Ltd at 31st March 2005 of 10,000, which was Gift Aided to the charity, account for some of the increased balance in the General Fund compared with last year. The remainder of the 42,201 increase is attributable to a combination of an increase of nearly 4,000 in training fees, nearly 5,000 in bank interest and a reduction of nearly 17,000 in the amount needed to support underfunded projects and to cover losses on the shop in Pershore. The shop ceased trading during the year and the premises are now used to deliver services in South Wychavon. 3. The Safety Net is classed as a Designated Fund which means it is our own money but can only be used following a specific decision by the Board. The larger the Organisation, the higher the level of funds required in the Safety Net in order to maintain sufficient to cover three months running costs. This year we have increased the balance of the Safety Net by 5,000. The year end balance of restricted funds is higher by 84,159. However, there are a number of projects carrying forward relatively large balances, which will be used during this year. The accounts show 76,876 in Management and Administration Fees have been received from the projects and through contract management towards core costs. This represents a slightly higher proportion of the expenditure than last year but still means that projects are not contributing adequately to the cost of the infrastructure of the Organisation. We hope to be addressing this issue as we move towards full cost recovery in our budgets but there has to be an acceptance of the rationale behind this model by all funders in order for the long term future of the Organisation to be more secure.

4.

5.

K Burrows Hon. Treasurer 15th June 2005 19

Grants and donations received during 2004/05

Age Concern Herefordshire & Worcestershire would like to acknowledge the following organisations and individuals that have provided grants and donations during the year: n n n n n n n n n n n n n n n n n n n n n n n n n n n n n n n n Age Concern England Age Concern Enterprises Worcestershire County Council Herefordshire Council South Worcestershire PCT Community Fund Awards for All Eveson Trust Lloyds TSB Foundation Gannett Foundation Nationwide Foundation Help the Aged John Martins Charity Hopmarket Charity Worcester Racial Equality Council Advantage West Midlands via Coventry University Enterprises Ltd BAE Systems Herefordshire Rivers LEADER+ funded by EU and defra National Energy Action The Pension Service Dixon Group Foundation Microsoft Inner Wheel Club of Evesham Royal Mail/BT pensioners Overbury Carol Singers Peopleton over 60s Club Elmley Castle Church Fellowship Group Cherry Orchard Evergreens Group In memory of Mrs C Proctor In memory of Mrs P Clifton In memory of Mrs M Gretason In memory of Mrs BA Chiltern

We would also like to thank the many individuals who have made donations by post, through standing orders and in person at 6 Sansome Street, Worcester, at Church Street Centre, Evesham and at 5 The Royal Arcade, Pershore.

South Worcestershire
Primary Care Trust

20

Report of the Trustees for the year ended 31st March 2005
The trustees, who are also directors of the charity for the purposes of the Companies Act, present their annual report and the audited financial statements for the year ended 31st March 2005. The trustees have adopted the provisions of the Statement of Recommended Practice Accounting and Reporting by Charities (SORP 2000) in preparing the annual report and financial statements of the charity. Objects of the charity, principal activities and organisation of our work The charity is a company limited by guarantee, and is therefore governed by a memorandum and articles of association. It was incorporated on 7th March 2000. The charity is established to promote the well being of all older people and help make later life a fulfilling and enjoyable experience The charity is run by a board of directors, made up of honorary officers, local group representatives and elected and co-opted members, all of whom have voting rights. There are also non-voting advisers and observers who may attend. Day to day responsibilities rest with the Chief Executive and a team of paid staff, assisted by volunteers. Development, activities and achievements during the year Direct service provision has continued during the year. In South Wychavon this included the Church Street Day Centre, the Information and Wellcheck Service and the Handyperson and Gardening Scheme. Age Concern Herefordshire & Worcestershire is the contract holder for the Volunteer Sitting Service for Worcestershire, with the service being delivered in partnership between ourselves, Age Concerns Bromsgrove and Droitwich, and Carers Careline in Redditch. The Footcare Service, funded by South Worcestershire PCT, continues to grow, however, increased future funding is now becoming critical if it is to be maintained. The Ethnic Minority Elders Project is half way through its second year of continued funding from the Community Fund; joint funding from Health and Social Services funds the Saathi Lunch Club, with additional funding for the development of a similar lunch club in Kidderminster. The Information Service offered from our Worcester office has obtained bridging funding from Age Concern England and further funding was agreed by the Pension Service through their Partnership Fund to promote Pension Credit and other welfare benefits; this funding continues into the current year. The Information Service for Black and Minority elders, which is funded by Social Services with additional funding through the Npower Health Through Warmth scheme during the year, operates from the Worcester Office with surgeries in Redditch and Kidderminster. We were successful with a bid to the Community Fund for a part time Volunteer Support Officer who has been in post since April 2004. The Housework Brokerage Service being piloted by Age Concerns Malvern and Bromsgrove continues to prove successful. The IT taster sessions have continued to be delivered, mainly now from our Worcester office; we have been able to offer follow-on courses for those keen to continue, and from that a computer club has developed which is run entirely by volunteers. Investment in upgraded equipment has been critical in the success of both the courses and the club.

21

Through a partnership agreement with Coventry University Enterprises, European funding was received to pilot an Information, Advice and Guidance service for people over 50. The grant comes to an end in June 2005, but we will continue to deliver the service through the Peer Mentoring Scheme and the Computer Club. Two activities which were closed during the year were the charity shop in Pershore, although the premises are now the base for our other community services in South Wychavon, and the Furniture Scheme which was run in partnership with Age Concern Worcester City, but which unfortunately proved not to be a profitmaking enterprise. The partnership was therefore terminated at the end of March 2005. The trading company, A C H & W Trading Ltd, which is wholly owned by the charity and was established in 2003, became active on 1st October 2004 in order to take over responsibility for the Insurance Service; the members of staff working in the Insurance Service were transferred to the Trading Company under TUPE regulations. Commission was therefore only earned by the Charity until 30th September 2004, although the Trading Company has already been able to Gift Aid 10,000 to the Charity from the six months to 31st March 2005. Future development Further funding for the Caring Contacts telephone support scheme has been agreed by Lloyds TSB Foundation, together with a grant from Zurich Cares for the development of the Call in Time project in South Wychavon. It is hoped to combine the two in order to develop a more effective and comprehensive service. There has also been additional funding received for the Wellcheck Service in South Wychavon which will enable the appointment of a further member of staff thus ensuring that the service will be able to respond more quickly to those older people living in this rural part of the County. An additional Ethnic Elders lunch club is due to be developed in Redditch, and an Opportunities for Volunteering grant has been approved which will allow the Volunteer Support Officer to become full time for the next two years. The Ageing Well Project will be piloting a Peer Mentoring Scheme during 2005/06; if proving successful, it is hoped that it will become an integral element of the Help to live at Home targets with funding being picked up through Health and Social Services budgets in Worcestershire. Handyperson Services in Herefordshire are proving to be extremely difficult to maintain, therefore more creative approaches are being investigated with the five local Age Concern groups in the County. Further charity shop opportunities are to be investigated in partnership with Age Concern England during the coming year. Meanwhile the future tenancy of the Pershore shop will need to be decided by September. Whatever the decision, an office base in Pershore is now a necessity. Transaction and financial position The Statement of Financial Activities shows a net income for the year of 128,799 with reserves standing at 242,250 in total. The surplus is due largely to restricted funding received in 2004/2005 which is to be spent in 2005/2006, coupled with an increase in our unrestricted funds from training course fees and insurance commissions. These unrestricted funds are held in the General Fund which stood at 52,409 at 31st March 2005. The Board consider this to be a satisfactory outcome for the year. Tangible fixed assets for use by the charity Details of movements in fixed assets are set out in note 5 to the accounts. Reserves It is the organisations intention to hold a reserve of a minimum of three months running costs plus any longer term financial commitments. In order to build up and to maintain this figure, an unrestricted funds safety net reserve has been established. At 31st March 2005, this stood at 55,373. 22

Directors and trustees All directors of the company are also trustees of the charity, and there are no other trustees. Full details are shown on page 4. Risk management The trustees actively review major risks, which the charity faces on a regular basis and believe that maintaining the reserves at or near the current levels, with additional transfers when the financial position allows, combined with an annual review of the controls over key financial systems, will provide sufficient resources in the event of adverse conditions. The trustees have also examined other operational and business risks faced by the charity and confirm that they have established systems to mitigate the significant risks. Trustees responsibility in relation to the financial statements The trustees are required by company law to prepare financial statements for each financial year, which give a true and fair view of the financial activities of the charity and of its financial position at the end of that year. In preparing those financial statements the trustees are required to: n select suitable accounting policies and apply them consistently n make judgements and estimates that are reasonably prudent n state whether the policies adopted are in accordance with the Companies Act 1985 and with applicable accounting standards and statements of recommended practice, subject to any material departures disclosed and explained in the financial statements n prepare the financial statements on a going concern basis unless it is inappropriate to assume that the charity will continue in operation The trustees are responsible for keeping proper accounting records which disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Companies Act 1985. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities. Auditors Rabjohns LLP were appointed as auditors of the charity during the year. Reappointment will be considered at the AGM. Small company exemption The accounts have been prepared in accordance with the special provisions of Part VII of the Companies Act relating to small companies, with additional disclosure as required by the above-mentioned SORP. Approval This report was approved by the Board of Directors and signed on its behalf on 15th June 2005.

Paul Clayburn Chairman

23

Independent auditors' report to the members of Age Concern Herefordshire & Worcestershire
We have audited the financial statements on pages 25 to 31 which have been prepared under the accounting policies as set out on page 27. This report is made solely to the companys members, as a body, in accordance with Section 235 of the Companies Act 1985. Our audit work has been undertaken so that we might state to the companys members those matters we are required to state to them in an auditors report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the company and the companys members as a body, for our audit work, for this report, or for the opinions we have formed. Respective responsibilities of directors and auditors As described on page 23, the companys directors are responsible for the preparation of the financial statements in accordance with applicable law and United Kingdom Standards. Our responsibility is to audit the financial statements in accordance with relevant legal and regulatory requirements and United Kingdom Auditing Standards. We report to you our opinion as to whether the financial statements give a true and fair view and are properly prepared in accordance with the Companies Act 1985. We also report to you if, in our opinion, the directors report is not consistent with the financial statements, if the company has not kept proper accounting records, if we have not received all the information and explanations we require for our audit, or if information specified by law regarding directors remuneration and transactions with the company is not disclosed. Basis of opinion We conducted our audit in accordance with United Kingdom Auditing Standards issued by the Auditing Practices Board. An audit includes examination, on a test basis, of evidence relevant to the amounts and disclosures in the financial statements. It also includes an assessment of the significant estimates and judgements made by the directors in the preparation of the financial statements, and of whether the accounting policies are appropriate to the companys circumstances, consistently applied and adequately disclosed. We planned and performed our audit so as to obtain all the information and explanations which we considered necessary in order to provide us with sufficient evidence to give reasonable assurance that the financial statements are free from material misstatement, whether caused by fraud or other irregularity or error. In forming our opinion we also evaluated the overall adequacy of the presentation of information of the financial statements. Opinion In our opinion the financial statements give a true and fair view of the state of the companys affairs at 31 March 2005 and of its results for the year then ended and have been properly prepared in accordance with the Companies Act 1985.

1,2,3 & 4 College Yard Worcester WR1 2LB 24

Rabjohns LLP Registered Auditor 15th June 2005

Statement of financial activities for the year ended 31st March 2005
Unrestricted Funds Income and Expenditure Incoming Resources Activities for generating funds: Shop income Insurance commissions Donations and gifts Grants Grants - Community Fund Grants - Awards for All Fundraising Investment income Loan interest Other income Total incoming resources Less cost of generating funds: Shop Insurance Other fundraising costs Notes 1.3 2,341 23,145 15,176 454 6,501 123 20,660 --------68,400 --------8,671 15,148 369 --------24,188 ----------------44,212 --------462,080 48,764 4,800 36,864 ---------552,508 ---------6,714 ------6,714 ---------------545,794 ---------2,341 23,145 15,176 462,080 48,764 4,800 454 6,501 123 57,524 ---------620,908 ---------8,671 15,148 7,083 --------30,902 -----------------590,006 ---------10,388 38,377 5,911 330,211 39,584 535 1,857 33,030 ---------459,893 ---------23,071 30,194 4,280 --------57,545 -----------------402,348 ---------Restricted Funds Total Funds 2005 Total Funds 2004

1.5

Net incoming resources available for charitable expenditure

Charitable Expenditure Direct charitable expenditure Management and Administration

1.6

1,867 ------1,867 --------------26,055 --------42,345 2,295 63,142 ---------107,782 ======

456,008 3,332 ---------459,340 ------------------466,054 ---------86,454 (2,295) 50,309 ---------134,468 ======

456,008 5,199 ---------461,207 ------------------492,109 ---------128,799 113,451 ---------242,250 ======

419,868 7,970 ---------427,838 ------------------485,383 ---------(25,490) 138,941 ---------113,451 ======

Total charitable expenditure

Total resources expended

1.4

Net Incoming Resources for the Year Transfers between funds Balance b/f 31.03.04

Balance c/f 31.03.05

25

Balance sheet as at 31st March 2005

Notes Fixed Assets Tangible fixed assets Unrestricted Restricted Investments 2005 2004

1.2, 5 12,650 1 --------12,651 86,563 178,126 ---------264,689 35,090 ---------229,599 ------------------242,250 ====== 107,782 134,468 ---------242,250 ====== 275 15,505 1 --------15,781 26,455 78,502 ---------104,957 7,287 --------97,670 -----------------113,451 ====== 63,142 50,309 ---------113,451 ======

Current Assets Debtors and prepayments Cash at bank and in hand

Creditors Amounts due within one year Net Current Assets

Net Assets Funds Unrestricted Restricted

These financial statements have been prepared in accordance with the special provisions of Part Vll of the Companies Act 1985 relating to small companies and with the Financial Reporting Standard for Smaller Entities (effective June 2002). The accounts on pages 25 to 31 were approved by the Board on 15th June 2005.

Paul Clayburn Chairman

Ken Burrows Treasurer

26

Notes to the financial statements for the year ending 31st March 2005
1. 1.1 Accounting policies Basis of preparation of financial statements The financial statements are prepared under historical cost convention and in accordance with the Financial Reporting Standards for Smaller Entities (effective June 2002) and the Standard of Recommended Practice Accounting and Reporting by Charities (SORP 2000). Tangible fixed assets Tangible fixed assets are stated at cost less depreciation. Depreciation is provided at rates calculated to write off the costs of fixed assets, less their residual value, over their expected useful lives on the following bases: Equipment, fixtures and fittings Vehicles 20% straight line method 15% straight line method

1.2

The purchase price used to determine the cut off point for capitalisation is 500. 1.3 Incoming resources

1.3.1 Voluntary income and donations are included in incoming resources when they are receivable, except when the donors specify that they must be used in future accounting periods or donor conditions have not been fulfilled, then the income is deferred. 1.3.2 The income from fundraising ventures is shown gross, with the associated costs included in fundraising costs. 1.3.3 Income from the charity shop is included where receivable 1.3.4 Insurance commission and bank interest are included on an accruals basis 1.4 1.5 Resources expended Resources expended are included in the Statement of Financial Activities on an accruals basis. Fundraising costs Fundraising expenditure comprises costs incurred in inducing people and organisations to contribute financially to the charitys work. This includes the cost of advertising and the staging of special fundraising events. Expenditure on management and administration of the charity Administration expenditure includes all expenditure not directly related to charitable activity or fundraising ventures. A full breakdown is given on pages 30 and 31. Leasing and hire purchase commitments Rentals payable under operating leases are charged against income on a straight line basis over the lease term. Pensions The pensions costs charged in the financial statements represent the contributions payable by the company during the year in accordance with FRSSE. Group Accounts The financial statements present information about the company as an individual undertaking and not about its group. The company has taken advantage of the exemptions provided by section 248 of the Companies Act 1985 not to prepare group accounts.

1.6

1.7 1.8

1.9

27

2.

Investments Shares in subsidiary company at cost 2005 1 ==== 2004 1 ====

3.

Debtors and prepayments Grants due Prepayment of insurance Prepayment of rent Prepayment for minibus Interest receivable Refunds due Amounts receivable from subsidiary Gift Aid receivable from subsidiary Other charitable income 2005 43,337 1,215 5,891 10,307 61 6,407 6,000 10,000 3,345 -------86,563 ===== 2004 12,188 1,386 5,891 58 179 6,753 -------26,455 =====

4.

Creditors: amounts due within one year Trade creditors Payments owing Evesham Day Centre Fun Fund Sitting Service raffle Deferred credits - grants in advance - fees in advance Other creditors 2005 12,745 140 286 239 21,679 1 -------35,090 ===== 2004 2,791 463 358 3,674 1 --------7,287 =====

5.

Tangible fixed assets NBV 01.04.04 Additions Cost 31.03.05 Depreciation Charge for the year Net book value 31.03.05 Incoming resources - See pages 30 and 31 Resources used - See pages 30 and 31 Staff costs Salaries Employers NIC Pensions 2005 302,049 21,732 13,748 2004 305,873 22,792 13,104 Equipment 7,619 6,322 --------13,941 --------5,372 -------8,569 ===== Vehicle 8,161 --------8,161 --------4,080 -------4,081 ===== Total 15,780 6,322 --------22,102 --------9,452 --------12,650 =====

6. 7. 8.

Total employed during the year 28 (period end 31.03.04 - 38). Of these 7 were full time posts. None of the directors received any remuneration during the period. No employee earned in excess of 50,000 in the year.

28

9.

Share capital This is a company limited by guarantee and does not have a share capital. Consequently no reconciliation of shareholder funds, as required by FRS13 is possible. Similarly, the split of shareholder funds between equity and non-equity shareholders as required by FRS4 is not possible. Liability of members Every member of the company undertakes to contribute to the assets of the company in the event of it being wound up during the time that he or she is a member or within one year afterwards for payment of debts and liabilities of the company contracted before he or she ceases to be a member, and of the costs, charges and expense of winding up the same and for the adjustment of the rights of contributors amongst themselves, such amount as may be required not exceeding, in the case of any member, the sum of 1. Other funds Funds are held in a separate account in the name of Age Concern Herefordshire & Worcestershire Fundraising Partnership. The balance at 31st March 2005 was 7,761.94 (2004 5,171.14) and is held at HSBC bank. The partnership is made up of the company and nine other Age Concern groups from within the two counties for the purposes of mutual fundraising events. Transactions during the year were income of 3,407.63 and expenditure of 816.83. Analysis of net assets between funds Fixed Assets 12,650 -------12,650 ===== Net Current Assets 107,782 121,818 ---------229,600 ====== Total 107,782 134,468 ---------242,250 ======

10.

11.

12.

Unrestricted fund Restricted fund Total funds

13.

Connected entities A trading company, A C H & W Trading Ltd, company registration number 4588182, was incorporated during 2002/2003 and is controlled by the company. It was activated on 1st October 2004 to accommodate the Insurance Service and the profit of 10,000 was Gift Aided to the Charity. During the six months to 31st March 2005 transactions were income: 29,774, expenditure: 19,774. A 6,000 loan was made to the Trading Company by the Charity on 6th October 2004 and was repaid on 12th May 2005. Related parties Five directors were reimbursed for travelling expenses of 1,649 (2004 1,354). Capital commitment As at 31st March 2005 the charity was committed to 15,154, relating to the purchase and modification of a minibus. Commitments under operating leases At 31st March 2005 the company had annual commitments under non-cancellable operating leases as follows: 2005 Expiry date: Within the next year Between two and five years More than five years 4,065 18,480 1,410 -------23,955 ===== 2004 29,510 -------29,510 =====

14. 15.

16.

17.

Auditors remuneration Audit services 2005 1,645 ==== 2004 1,586 ====

29

Unrestricted funds year ending 31st March 2005

Insurance Incoming Resources Grants Donations Sales Fundraising Fees and Re-imbursements Commission Other Income Bank Interest Loan Interest Donation from Trading Co Total Direct Charitable Expenditure Salaries Other Staff Costs Consultancy Costs Training Premises costs Office Equipment Consummable Items Telephone Postage Printing & Stationery Insurance Subscriptions Purchases for re-sale Management fees Depreciation Total Publicity & Advertising Campaigns Advertising Fund-raising Total Management & Administration Administration fee Meeting Costs Bank Charges Audit & Accountancy fees Other Expenses Total Total Expenses Net Incoming Resources Transfers between GF Transfers between SN Transfers re assets Balance b/f 01.04.04 Balance 31.03.05 Pershore Events Shop General Fund Safety Net Total 0.00 5,175.63 5,946.62 454.24 16,415.50 23,144.96 640.00 6,500.82 122.55 10,000.00 68,400.32

140.00

29.88 2,341.45

5,145.75 3,465.17 454.24 16,415.50 640.00 6,500.82 122.55 10,000.00 42,744.03

23,144.96

23,284.96

2,371.33

0.00

0.00

9,496.78 952.58 165.38 19.55 1,629.40 16.01 325.13 309.70 280.28 197.10 10.00 125.00 1,500.00 186.11 15,213.02

2,655.62 280.13 74.44 5,434.09 19.60 111.33

95.76 140.27

8,670.97

0.00

140.27

0.00

12,152.40 1,232.71 165.38 93.99 7,063.49 16.01 19.60 436.46 309.70 280.28 292.86 10.00 265.27 1,500.00 186.11 24,024.26

60.00 60.00 0.00 0.00 103.98 103.98 0.00

0.00 60.00 103.98 163.98

1,500.00 7.50 137.08 42.38 1,679.46 16,952.48 6,332.48 (6,521.65) (89.19) 278.36 0.00 180.10

7.50 0.00 8,678.47 0.00 (6,307.14) 0.00 6,307.14 (281.95)

180.10 424.35 42,319.68 (2,119.02)

0.00 0.00 0.00 5,000.00

0.00 (0.00)

281.95 0.00

12,208.10 50,373.11 52,408.76 55,373.11

1,500.00 0.00 187.60 137.08 42.38 1,867.06 26,055.30 42,345.02 (2,615.48) 5,000.00 (89.19) 63,141.52 107,781.87

30

I/AWorcs 33,737.00 18,441.00 10,000.00 18,215.00 68,832.00 33,917.74 92,375.00 35,355.00 47,264.00 4,800.00 273.00 28,101.86 13,966.00 1,500.00

I/A S.Wych

Handyper/G

Caring Cont

Vol Spt

Sitting Serv

Tr/AW/ARD EveshamDC

Eth Min Eld

Minibus

ICT

Total

60,080.44

1,283.40 487.00

6,251.77

3,900.00

42.99 61,893.83 33,737.00 15,654.52 2,974.52 91.39 432.80 5,849.45 286.67 840.85 2,076.14 558.35 740.82 4,177.35 305.13 455.00 3,294.67 863.61 1,111.50 3,209.06 364.24 10.15 91.39 1,245.02 888.83 1,052.37 1,379.08 12,662.92 2,887.05 8,939.96 564.90 41,309.69 3,965.52 17,119.17 1,212.08 57,157.75 6,259.58 32,179.58 2,587.87 2,161.77 24,692.77 10,000.00 18,215.00 68,832.00 37,817.74 92,375.00 87,692.00 28,101.86 15,466.00

462,080.07 48,764.00 4,800.00 0.00 19,118.47 487.00 76,876.50 42.99 612,169.03

31,255.54 2,602.77 882.39

1,160.94 4,281.34 200.63

300.00 2,960.34 827.70 8.60

1,088.64

785.40 367.49 1,042.13 95.01 85.47 94.00 2,040.00 378.87 29,675.61 24,532.64 17.49 6.31 451.70 475.50 0.00 172.53 2,000.00 137.08 159.60 12.93 17.49 850.12 451.71 1,319.32 0.00 16,973.93 127.49 6.31 451.71 585.51 2,520.00 137.08 2,019.00 5,000.00 14.11 60,315.80 3,700.00 14.11 36,764.73 17.49 76.32 451.71 545.52 3,000.00 137.08 85.47 36.77 9.50 888.03 3,000.00 85.47 85.47 85.47 60.98 6,500.00 4,860.68 91,227.95 17.49 6.31 451.71 475.51 6,000.00 274.17

1,012.69 157.28 487.73 224.22

153.82 173.40 528.60 85.76

455.97 184.82 1,037.07 120.01

1,250.52 786.15 1,235.85 200.17

706.74 853.92 963.85 342.86 6,264.42 85.47 0.00

1,179.03 2,091.67 285.47 213.05 5,833.67 3,989.20 121.00 687.68 195.99 467.61 186.75 3,153.76 1,002.85 559.99 1,451.60 151.51 134.17 105.00 6,131.50 53,521.71 17.49 6.31 451.71 475.51 3,000.00 137.08 0.00

5,500.00 803.11 49,156.22 34.00 6.31 451.71 492.02

2,913.80 6,164.21

311,628.73 30,815.22 8,900.17 5,941.40 1,649.34 7,563.89 32,308.73 5,052.15 221.65 5,833.67 3,989.20 3,274.76 7,105.16 4,631.81 8,055.93 1,509.68 6,264.42 769.29 338.48 888.03 33,890.50 9,266.13 489,898.34

0.00

0.00

2,116.04 984.69 3,613.67 6,714.40

4,750.00 137.08

Restricted funds year ending 31st March 2005

4,500.00 35.25 274.17

4,887.08 54,535.32 7,358.51

2,657.08 32,918.20 818.80

2,137.08 27,145.22 (2,452.45)

0.00 0.00 10,000.00

0.00 17,146.46 1,068.54

4,809.42 66,444.54 2,387.46

3,137.08 40,447.33 (2,629.59) 2,615.48

6,274.17 97,977.63 (5,602.63)

3,137.08 57,134.30 30,557.70 (2,500.00)

Core Incoming Resources Grants 49,059.03 Grant - Community Fund Grant - Awards for All Donations Fees and re-imbursements 7,410.30 Commission Man & Admin Income 76,876.50 Sales & Other Income Total 133,345.83 Direct Charitable Expenditure Salaries 93,187.83 Other Staff Costs 7,760.93 Consultant Costs 8,900.17 Volunteers Expenses 300.78 Trustees Expenses 1,649.34 Staff and Vol Training 1,342.95 Premises Costs 4,368.71 Office Equipment 271.71 Protective clothing & equip Minibus Running Costs Meals Activities Telephone 1,049.49 Postage 1,352.77 Printing & Stationery 841.49 Insurance 103.39 Provision of Training Subscriptions 85.53 Information 69.00 Purcases for resale Management Fees Depreciation 281.45 Total 121,565.54 Publicity and Advertising Campaigns 1,707.50 Advertising 13.77 Fundraising costs 451.71 Total 2,172.98 Management & Administration Administration Fees Meeting costs 653.30 Audit & Accountancy 274.18 Organisation costs 1,092.87 Other Expenses 42.50 Total 2,062.85 Total Expenses 125,801.37 Net Incoming Resources 7,544.46 Transfer between GF Transfer between SN Transfers re Assets (2,355.53) Balance b/f 1.4.04 Balance c/f 31.3.05 7,825.91 0.00 0.00 28,101.86 0.00 6,164.21 9,301.79 (89.19) 7,394.15 1,197.67 (497.26) 468.06 4,014.19 6,963.90 11,712.61 (89.19) 1,712.61 720.09 (2,500.00) (89.19) (259.26) 2,597.47 (457.20) 2,799.20 (0.00) (586.45) 471.31 3,638.39 9,827.47 45,352.51 17,294.81 29,101.86 4,888.78 1,000.00 14,190.57 25,770.00 688.55 1,507.92 1,092.87 42.50 29,101.84 525,714.58 86,454.45 2,615.48 (5,000.00) 89.19 50,309.23 134,468.35

(635.58) 2,636.98 14,117.08

31

Saathi Ladies Lunch Club visiting Great Witley Court.

The musical accompaniment to the 2004 Volunteer's Garden Party.

Silver surfers at Tesco Warndon, Worcester.

32

Inside Back Cover (Blank)

33

Back Cover (Full Colour Image)