N.E.M. Insurance Company (Nigeria) Plc (NEM.ng) listed on the Nigerian Stock Exchange under the Insurance sector has released it’s 2017 interim results for the first quarter.For more information about N.E.M. Insurance Company (Nigeria) Plc (NEM.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the N.E.M. Insurance Company (Nigeria) Plc (NEM.ng) company page on AfricanFinancials.Document: N.E.M. Insurance Company (Nigeria) Plc (NEM.ng) 2017 interim results for the first quarter.Company ProfileNEM Insurance Company (Nigeria) Plc offers all classes of life and non-life insurance products to the personal and corporate sectors in Nigeria. Personal products include travel, motoring, professional indemnity, goods in transit and fire and special perils. Products for small-to-medium businesses include cover for burglary, product liability, fidelity guarantee, personal/group personal accident, travel, money and motor insurance. Corporate products include cover for general business, marine, aviation, oil and gas, engineering, bonds and motor insurance. NEM Insurance Plc was established in 1948 as an agent for Edward Turner & Co.; became a Nigerian branch of NEM General Insurance Association Limited of London in 1965; and merged with Vigilant Insurance Company Limited to transact all classes of general insurance. The company has expanded its operations into the West Africa sub-region in 2009 through its subsidiary NEM Insurance (Ghana) Limited which subsequently merged with Regency Alliance to form Regency NEM Insurance (Ghana) Limited in 2016. The company’s head office is in Lagos, Nigeria. NEM Insurance Company (Nigeria) Plc is listed on the Nigerian Stock Exchange
I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Edward Sheldon owns shares in Upwork and Fiverr. The Motley Fool UK owns shares of and has recommended Fiverr International. The Motley Fool UK has recommended Upwork. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Edward Sheldon, CFA | Friday, 28th May, 2021 | More on: ROO Image: Deliveroo Our 6 ‘Best Buys Now’ Shares I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. “This Stock Could Be Like Buying Amazon in 1997” Forget Deliveroo shares. I’m buying these ‘gig economy’ stocks Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. The gig economy, which can be defined as freelancers working on a flexible basis through digital employment platforms, is booming right now. Powered by advances in technology, this new style of working is disrupting the world’s employment markets, and overhauling the nine-to-five rules that were standard for so long.One UK stock that offers exposure to this growth story is Deliveroo (LSE: ROO). The online food delivery company connects local consumers, restaurants, and grocers with delivery riders. But is an investment in Deliveroo shares the best way to capitalise on the growth of the gig economy?5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…I’m not convinced it is. I think there are better stocks to play this exciting long-term growth theme.Deliveroo shares: the bull caseThere are certainly some things to like about Deliveroo from an investment perspective. One is that the company is growing rapidly at the moment. In its first-quarter 2021 results, for example, the company reported group orders of 71m, up 114% year-on-year and gross transaction value (GTV) of £1.65bn, up 130% year-on-year.Deliveroo also reported its monthly active consumer base had grown 91% year-on-year to 7.1m monthly active consumers on average during the quarter. Clearly, the company has momentum right now.Another thing I like about Deliveroo is that the company is led by its founder Will Shu. He founded the company in 2013 and is a major shareholder today, so his interests are aligned with those of shareholders. Research shows that founder-led companies often turn out to be good investments.RisksOne thing that concerns me about Deliveroo shares however, is the fact the company’s losing a lot of money right now. This year, analysts expect it to generate a net loss of about £257m. This adds risk to the investment case.Another issue for me is that the company only provides exposure to one area of the gig economy – delivery. And I think we’ll see plenty of disruption in this space (ie drones) in the years ahead.I’d buy these gig economy stocksSo, how would I play the booming gig economy? Well, one stock I really like in this space is Upwork, which is listed in the US. It operates the world’s largest freelance platform.On this platform (which I use), there’s work for a wide range of skilled freelancers, including computer programmers, graphic designers, copywriters, business consultants, lawyers, and more. So it offers much broader exposure to the gig economy than Deliveroo.It’s worth noting that Upwork isn’t growing as fast as Deliveroo (in Q1 2021 its gross services volume and revenue were up 41% and 37% respectively year-on-year). However, the company is expected to be profitable on a non-GAAP basis this year.Another gig economy stock I like is Fiverr. It operates a similar platform to Upwork, offering digital services in 500 categories. However, it’s growing faster than Upwork. In Q1, it saw revenue growth of 100%. It is also expected to be profitable on a non-GAAP basis this year.Of course, these gig economy stocks aren’t without risk. Both trade on relatively high price-to-sales ratios, which adds some risk.Overall however, I think these two stocks have a lot of long-term potential. I’d buy them over Deliveroo shares to capitalise on the growth of the gig economy. See all posts by Edward Sheldon, CFA Enter Your Email Address Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this.
Delegates to Learn Commercial Marketing Concepts can be Adapted to suit Voluntary Organisations Howard Lake | 27 February 2008 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. The latest commercial marketing trends can help event fundraisers increase attendance to their events, according to Professor Ian Bruce, Founder and Director of the Centre for Charity Effectiveness at London City University’s Cass Business School. The session will be part of the Institute of Fundraising’s forthcoming Event Fundraising conference, which is to be held on Thursday 15 May 2008 at the Royal Over-Seas League, London, SW1.When it comes to event fundraising, the charity sector has much to learn from the commercial world and delegates will learn from Professor Bruce’s keynote address that even tight budgets can enable successful event promotion.Institute Organisational member RNLI’s Regional Events Manager Tamsin Davies will also propose that events fundraisers ‘run it their own way’ when it comes to sporting events. In house fundraising teams can set up their own running events, mobilising a team of event volunteers and putting together a successful campaign to recruit runners.Being the third largest in the UK, Macmillan Cancer Support’s World’s Biggest Coffee Morning, is a prime example of a high profile and very successul fundraising event. Originally a regional event, it has grown steadily through taking a long-term approach to event success, and using effective communications and publicity techniques.Kirsty Thomson, Head of Events, Institute of Fundraising says:“Effective and innovative event fundraising is an essential way for charities to recruit supporters and generate income. It is key that fundraisers are aware of the latest innovations and developments in events fundraising and have the confidence to develop innovative and exciting concepts, and this event will provide the necessary tools.”The comprehensive programme includes presentations from Organisational members Macmillan Cancer Support and RNLI, and other organisations including London City University’s Cass Business School, Crisis, Helen Rollason Heal Cancer Charity, Make-A-Wish Foundation and Guide Dogs.EVENT DETAILS – ONE-DAY CONFERENCETitle: Inspiring Innovation: Bright Ideas for Event FundraisingDate: Thursday 15 May 2008Venue: Royal Over-Seas League, London, SW1Cost: £175 for Institute Individual members, £225 for charities, £275 for commercial organisationsFurther information: Visit www.institute-of-fundraising.org.uk/events or call 0845 337 2734-ENDS-For media queries:Diana Mackie Tel: 020 7840 1027/ 07793 802 852Institute of Fundraising Email: [email protected] TO EDITORS1. Institute of Fundraising (www.institute-of-fundraising.org.uk) mission is to support fundraisers, through leadership, representation, standards setting and education, to deliver excellent fundraising. Members are supported through training, networking, the dissemination of best practice and representation on issues that affect the fundraising environment. The Institute of Fundraising is the largest individual representative body in the voluntary sector with 4500 Individual members and 280 Organisational members. Tagged with: Events Institute of Fundraising 28 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Labeling the Olympic games in Rio de Janeiro the “Exclusion Games” because there is no discount for Brazilians to attend the events, thousands of protesters stood up to a barrage of tear gas and pepper spray just a half mile from the main Olympic stadium on Aug. 5. Illustrating the exclusion, more than 1.3 million tickets remain unsold.The demonstrators gathered in front of the luxurious Copacabana Palace, where many of the rich attendees and media are staying, and protested the billions spent on this spectacle — especially the hundreds of homes that were destroyed to make room for the stadiums. They also protested the “parliamentary coup” that replaced Workers’ Party President Dilma Rousseff with the corrupt and reactionary Michel Temer.“We love sports in our city, but our city needs other things like better schools, better hospitals, free access to education,” said Anna Barros, an English teacher in Rio. “We need to invest money in our people.” (nbcnews.com, Aug. 5)Organized by the umbrella group Comitê Popular Rio, protesters were not only incensed by the enormous cost and incurred debt of the games, but also the dire economic and political situation of the Brazilian people, particularly the workers and the poor.Later, protesters demonstrated near the Maracana Stadium where the opening ceremonies were held.The government recently announced that average wages have fallen by more than 4 percent in the last year, while the number of unemployed has skyrocketed to 37 percent. This is the worst recession that Brazil has faced in at least a quarter of a century. While Brazil faces epidemics of Zika and dengue fever, hospitals are shutting their doors. (theguardian.com, July 28)Polls show that 60 percent of Brazilians believe that the Olympics “will do more harm than good” for their country. (theguardian.com, Aug. 6)Protesters block torch’s pathThe Rio protest was the culmination of months-long demonstrations that took place throughout northern Brazil, particularly along the route of the Olympic torch. When the torch entered Angra dos Reis, striking teachers, who had not been paid for two months by the near-bankrupt Rio state government, disrupted the relay. This forced the runners to put out the flame and board buses to continue their route.Anti-government protesters in Duque de Caixas, on Rio’s north side, threw rocks and blocked the torch’s path. Police attacked the protesters with pepper spray and rubber bullets.Of course, Brazil’s elite have already gained millions from Olympic contracts and expect more. Some of these were parliament members who voted to impeach Rousseff.The elite’s joy at seeing a banker-friendly right-wing government is matched by that of imperialist institutions like the International Monetary Fund. Alejandro Werner, the fund’s Western Hemisphere’s director, told the Financial Times that his recommendations are simple: “a multiyear fiscal program including an important correction ‘in expenditure together with higher taxes,’ combined with cuts to pensions and other entitlements that Brazil cannot afford.” (ft.com, April 27)In other words, the IMF wants more austerity for Brazil’s workers.Multinational corporations like McDonald’s and Coca-Cola, as well as media companies, stand to rake in millions from the Olympics. Meanwhile an army of some 85,000 police, soldiers and security personnel shut out the voices of the poor.The Olympics were last held in Latin America in 1968 in Mexico City. At that time, after a series of demonstrations against the Mexican army’s occupation of two college campuses, a rally of some 10,000 students was held on Oct. 2 at the Tlatelolco Plaza in Mexico City, 10 days before the Olympic Games.Military units opened fire on the students. Tanks rolled into the square. Hundreds of bodies and prisoners were hauled away on trucks to military bases. Although the government never announced the death toll, it may have reached 3,000, with many more wounded and imprisoned.The U.S.-supported regime of President Gustavo Díaz Ordaz announced that the students had opened fire on the soldiers, who returned fire to defend themselves. But recently released documents finally reveal the truth.The Mexican Presidential Guard, a military unit directly under the control of Ordaz, stationed snipers on buildings above the plaza. These snipers shot at the soldiers surrounding the square, which caused them to open fire on the students. The Mexican government ordered this to ensure that the students would not disrupt the Olympic Games. (theolympian.com, May 28)Imperialist profiteers have turned what should be purely athletic contests into a money-making spectacle designed to enrich the billionaire class, protected from those workers and poor who object by brute force. But the people of Brazil show no signs that they will be intimidated.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
Previous articleVolleyball sweeps Jayhawks for first time in program historyNext article16 new signees join TCU Athletics during Early Signing Period Nick Stephens RELATED ARTICLESMORE FROM AUTHOR Another series win lands TCU Baseball in the top 5, earns Sikes conference award Linkedin Facebook Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ printMessiah Bright fires a shot at goal against BYU on Nov. 9, 2018. Photo by Cristian Argueta Soto.The Horned Frogs’ record-breaking season ended as they fell 2-0 to Texas A&M Friday in the second round of the NCAA tournament.The match was scoreless at halftime, but a pair of second-half strikes by the Aggies put some distance between the sides, and the Frogs were unable to stage a comeback.“It wasn’t our day today,” said TCU head coach Eric Bell. “Unfortunately, we weren’t as sharp as I thought we were going to be.”Goalkeeper Emily Alvarado punts away the ball against BYU on Nov. 9, 2018. Photo by Cristian ArguetaSoto.Texas A&M broke the deadlock in the 52nd minute through their leading goalscorer Ally Watt. Watt stole the ball and fired a bullet into the top corner for the goal.The goal was Watt’s second of the tournament — she scored the game-winner in their last game against North Texas to send the Aggies through to the Round of 32.The lead was doubled in the 76th minute off an Aggie corner kick. TCU attempted to clear the danger, but the ball fell to Addie McCain at the top of the penalty box, and she finished for the 2-0 lead.Goalkeeper Emily Alvarado was a bright spot for the Frogs. Her eight saves, including five in the second half, kept TCU within striking distance when Texas A&M was threatening to pull away.While the loss was disappointing, the players and coaches were proud of their efforts this season. Bell said this season was a “stepping stone forward for our program.”Cachet Lue steps up to slot home a penalty kick against Butler on September 16, 2018. Photo by Cristian ArguetaSoto.Senior defender Cachet Lue echoed Bell’s statements and noted the difference from her first year on the team to now.“I think we laid out a foundation that people can follow,” said Lue. “I am proud of the past four years I have had here with my teammates and the other seniors.”Bell spoke highly of the impact the senior class had both on and off the pitch during their TCU careers.“We lose a group of ladies that have done some outstanding things for our program,” Bell said.Texas A&M advances to the round of 16, where they will face Tennessee Sunday. Nick is a senior journalism student from Cleveland, Ohio. He covers the TCU soccer team for TCU 360. Nick is an honors student and is minoring in music. Twitter Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ High school hoops: Arlington Heights and Country Day lose, Paschal survives Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ Twitter Facebook High school hoops: Paschal and Arlington Heights win, struggles continue for Country Day TCU baseball finds their biggest fan just by saying hello High school hoops: Paschal and FWCD fall, Arlington Heights wins road tilt TCU rowing program strengthens after facing COVID-19 setbacks Linkedin ReddIt ReddIt High school hoops: FWCD falls, Paschal and Arlington Heights win nail-biters Messiah Bright fires a shot at goal against BYU on Nov. 9, 2018. Photo by Cristian Soto. Nick Stephens + posts
Top StoriesShort Notice & Technological Requirements For NLAT Deprived Large Number Of Students To Participate In The Test: SC Reasons To Quash NLAT [Read Judgment] LIVELAW NEWS NETWORK20 Sep 2020 11:53 PMShare This – x”Common Law Admission Test for all the Law Universities is both in the national interest as well as in the interest of the education.”The Supreme Court, while quashing the decision of the National Law School of India University (NLSIU), Bengaluru to hold a separate admission test by way of the National Legal Aptitude Test (NLAT), observed that the short notice and technological requirements insisted by the University deprived a large number of students to participate in the test violating their rights under Article 14…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Supreme Court, while quashing the decision of the National Law School of India University (NLSIU), Bengaluru to hold a separate admission test by way of the National Legal Aptitude Test (NLAT), observed that the short notice and technological requirements insisted by the University deprived a large number of students to participate in the test violating their rights under Article 14 of the Constitution of India. Three Judge bench headed by Justice Ashok Bhushan also held that Admission notification is issued without recommendation of Academic Council is not in accordance with the provisions of National Law School of India Act, 1986. It said that Common Law Admission Test for all the Law Universities is both in the national interest as well as in the interest of the education.The bench, also comprising Justices R. Subhash Reddy and MR Shah delivered a 107 paged judgment citing reasons for quashing NLAT. The following are the issues considered and the answers reached by the bench.(1) Whether the petitioners have locus to file the writ petition?The NLSUI had questioned the locus of the petitioners to file a writ petition. The bench rejected this objection. It also noted that a person, who has worked as Vice-chancellor of and was also member of Consortium, which is entrusted to conduct CLAT, he is fully competent to espouse the cause of education by means of the writ petition.(2) Whether the admission notification dated 03.09.2020 by respondent No.1 could have been issued only after recommendations to that effect by the Academic Council, which is the statutory authority under the Act, 1986 for admission of the students to the five year integrated B.A.LL.B. (Hons.) Programme 2020- 2021?Referring to the provisions of the Act, the bench observed that NLSUI was required by the Statute to obtain recommendation of Academic Council before proceeding to hold NLAT by issuing admission notification. Admission notification dated 03.09.2020 having been issued without recommendation of Academic Council is not in accordance with the provisions of Act, 1986 and is unsustainable, the bench held.(3) Whether the respondent No.1 being founder member of Consortium of National Law Universities, a registered society, is bound by its Bye-Laws and was obliged to admit the 37 students for integrated B.A.LL.B. (Hons.) Programme through CLAT 2020?The Court noted that CLAT had come into existence after a lot of discussion, deliberation. It added that to conduct a Common Law Admission Test for all the Law Universities is both in the national interest as well as in the interest of the education. Being members of the Consortium, NLSUI ought not to have proceeded with holding a separate test namely “NLAT” nor the academic year 2020-21 be required to be declared as “zero-year” even if the course starts in the mid of October, 2020, the Court said. The bench further added:”Thousands of the students who aspire to have a career in law look forward to the CLAT as a prestigious test and CLAT has proved its usefulness and utility in this country. Students look forward to the Consortium for providing correct and fair assessment of the merits of the students. The bye-laws under which members are required to admit the students in their law universities on the basis of the CLAT for UG and PG law courses are binding on the members. Bye-Laws although are non-statutory but they have been framed with the aim and object to be followed by its members.””Even though obligations on members of Consortium under the Bye-Laws are not statutory obligations but those obligations are binding on the members. All members occupying significant and important status have to conduct in fair and reasonable manner to fulfill the aspirations of thousands of students who look on these National Law Universities as institutions of higher learning, personality and career builders. Further the statutes under which National Law Universities have been established cast public duties on these NLUs to function in a fair, reasonable and transparent manner. These institutions of higher learning are looked by society and students with respect and great Trust. All NLUs have to conduct themselves in a manner which fulfills the cause of education and maintain the trust reposed on them.”(4) Whether online home proctored examination as proposed by notification dated 03.09.2020, lacks transparency, was against the very concept of fair examination and violative of the rights of the students under Article 14 of the Constitution?Agreeing with the petitioners, the bench observed that permitting of home based online test could not have ensured transparency, fairness and integrity of the examination especially when the test was to be conducted for entrance into a premier Law University of the country. It added that the requirement of fulfilling technological support as envisaged by NLAT as noticed above could not have easily been procured by a large number of students. It obseved:”Petitioners’ case is that due to a short period of notice to apply and due to technological requirement, a large number of students especially belonging to marginalised sections of the society were unable to apply within the time allowed by NLAT. The requirement of fulfilling technological support as envisaged by NLAT as noticed above could not have easily been procured by a large number of students.””We thus conclude that home based online examination as proposed by the respondent No.1 University for NLAT2020-21 could not be held to be a test which was able to maintain transparency and integrity of the examination. The short notice and technological requirements insisted by the University deprived a large number of students to participate in the test violating their rights under Article 14 of the Constitution of India. “(5) Whether NLAT held on 12.09.2020 with retest on 14.09.2020 was marred by malpractices and deserves to be set aside?The Court said that, for the present case, it is not necessary for it to enter into various materials referred to by the petitioners and the reports and to decide as to whether malpractices were actually adopted in the examination or not. We need not express any opinion in this proceeding under Article 32 with regard to the aspect of malpractices in the test conducted on 12.09.2020 and 14.09.2020 which is essentially a matter of scrutiny of facts and evidence, the bench observed.Holding thus, the bench disposed the writ petitions by issuing the following directions(I) The notice for admission to the five year integrated B.A.LL.B(Hons.) programme 2020-21 dated 03.09.2020 Annexure -P 14 as well as Press Release 106 on NLSIU admission 2020-21 dated 04.09.2020 Annexure-P 15 are quashed.(II) The respondent No.3 [Consortium of National Law Universities] is directed to conduct the CLAT-2020 examination on 28.09.2020 taking all precautions and care for health of the students after following the Standard Operating Procedures (SOPs) of the Ministry of Health and Family Welfare (MoHFW) and Ministry of Human Resource Development(MHRD).(III) The respondent No.3 shall also ensure that the entire process of declaration of the result be completed as early as possible to enable the respondent No.1 and other National Law Universities to start their course by the mid of October-2020.(IV) The respondent No.1 shall also complete the admission of B.A.LL.B(Hons.) programme 2020-21 on the basis of the result of CLAT-2020.(V) The respondent No.3 may take decision at an early date restoring the status of respondent No.2 as the Secretary-Treasurer of the Consortium as 107 well as restoring the Secretariat of the Consortium as to NLSIU, keeping in mind that scheduled exam of CLAT-2020 on 28.09.2020 is not hampered in any manner.Advocates Sughosh Subramyam and Vipin Nair has filed the Petition for Former Vice Chancellor of NLSIU, Prof. (Dr.) R. Venkata Rao challenging the sudden withdrawal of NLSIU Bangalore from CLAT 2020, to hold a separate entrance test namely NLAT 2020.Advocates Shubham Gautam, Baibhaw Gahlaut, Kush Chaturvedi, AOR, Advocates Aditya Shekhar and Priyashree Sharma moved the intervention application for CLAT Aspirants Case name: RAKESH KUMAR AGARWALLA vs. NATIONAL LAW SCHOOL OF INDIA UNIVERSITY, BENGALURU Case no.: WRIT PETITION(CIVIL)NO. 1030 OF 2020 Click here to Read/Download JudgmentRead Judgment Next Story
Anon-site occupational physiotherapy service brings relief to sufferers ofmusculoskeletal disorders and makes real savings for employers. By Claire Trickey and James Bowden In 1999, 8,500 new cases of work- related musculoskeletal disorders werereported by occupational health professionals and rheumatologists under theMOSS and OPRA surveillance systems1. Importantly, only a few specificconditions can be reported under these systems, and only the fortunate workerswith access to occupational physicians would ever be assessed. Given theseenormously limiting factors, 8,500 new cases is a significant number of thislimited population, and an increase on the 7,666 new cases of 1998. Perhaps a more realistic picture was painted by the 1995 SWI survey2. Thissurvey estimated that over one million people in Great Britain believed theywere suffering from a musculoskeletal disorder caused by work. There is building evidence that treatment by chartered physiotherapists issuccessful in dealing with a wide range of common musculoskeletal ailmentsassociated with work or leisure activities. Consequently, more and more peopleare looking to physiotherapy to treat their musculoskeletal problems. Between 1995 and 1999, the Chartered Society of Physiotherapy (CSP) recordedgrowth of 34.7 per cent in the annual number of qualifying students, showing anincreased provision of physiotherapy to the general population3. The CSP has aUK membership of 35,000 providing a significant service to be used by thepopulation4. Growth of physiotherapy The growth in the availability and uptake of physiotherapy is perhapsunsurprising given the fact that musculoskeletal disorders are the most commonform of work-related ill health in Great Britain1. Worker absence due to theseconditions amounted to around 9 million days5 in 1995. Given the cost to employers of musculoskeletal disorders (£523 to £556mbased on 1995/1996 estimates6) more and more organisations are looking toprovide in-house physiotherapy for their staff. But given the demands on budgetholders in today’s “streamlined” workplace, is on-site physiotherapya cost-effective investment? There have been a limited number of cost-benefit analyses published thatlook at on-site physiotherapy. Those that have been published have presentedconflicting views and different measures for success7,8. The following casestudy outlines a compelling argument for the cost-effectiveness of on-sitephysiotherapy. Case study A study was recently conducted in association with a large organisation thatwanted to try out an occupational physiotherapy service (OPS). Along with themanagement of the OPS, OH consultancy COPE provided the client with allclinical treatment, occupational physiotherapy assessment, rehabilitationtreatment and advice. In addition, physiotherapists carried out any ergonomicworkplace interventions required for the staff being treated. The study centred on several of the organisation’s locations within a closegeographical area (referred to as the study group). These locations representapproximately 7,000 employees. The main drive of the study was to see whether there was a tangible andsignificant reduction in days lost from work in the study group. The locationsselected for the study already had a sickness absence record well below theoverall average for the organisation, so they were not necessarily going toyield the most obvious results. However, the aim was still to show that fastand effective on-site treatment of musculoskeletal disorders would reduce lostdays and therefore accrue real savings for the client. A control group was also selected, which had a slightly poorer sicknessabsence record, but was demographically similar. Benefits of the OPS The study was conducted over the course of one year and savings calculationswere based solely on reductions in total sickness absence costs against budget.The budget is calculated according to a location’s previous sickness absencecosts. Any significant alterations to the management of sickness absence in additionto the occupational physiotherapy service were consistent in both the study andcontrol groups. While the control group’s sickness absence costs met budget expectations,the study group demonstrated a significant saving, spending under their budget.The cost of sickness absence within the organisation is calculated using ageneric formula, according to the number of working hours lost. Therefore thiscost saving represents more staff at work more of the time. Alongside the direct savings, an interesting set of secondary effects wasalso observed in conjunction with the OPS. – Improved morale – official feedback systems outlined a significantimprovement in staff morale in locations with the OPS, when compared tocontrols and when compared with the company as a whole – Decrease in staff turnover – staff turnover was increasing across thecontrol and study locations, but was seen to increase more slowly where theclient had the OPS in place. Relevant factors Clearly this is a single study and there are a number of factors to considerbefore applying this principle to any organisation. Some of the variablefactors might be: – The cost of clinical provision in different organisations – the nature ofthe work carried out by the study organisation meant that a”moderate”9 number of employees could be serviced for every hour ofphysiotherapy provided. In some heavier industries, where staff are exposed tohigher degrees of musculoskeletal risk, a smaller number of staff would beserviced per physiotherapy hour. However, while the cost per employee is higherin this instance, the savings too should be higher since the pre-interventionprevalence of musculoskeletal disorders and the resulting sickness absence islikely to be higher – Cost per day lost to the organisation through sickness – the higher thecost per sickness day, the greater the savings to an organisation for every daynot lost – Cause of sickness absence – in the case study presented, pre-intervention sicknessabsence was not divided into musculoskeletal and non-musculoskeletal, but wastaken as a whole. Obviously the greater the contribution to overall sicknessabsence from musculoskeletal disorders, the greater the impact an OPS can have.Having said that, some of the secondary factors associated with the OPS such asincreased morale may well lower sickness absence from non-musculoskeletalcauses – Existing sickness absence management programmes – organisationalapproaches to sickness absence management vary in policy and procedure.Positive and proactive approaches will foster stronger support and usage of anOPS and increase the value of such a service. Such approaches establish healthcriteria for jobs, carry out appropriate pre-employment screening andassessment and give advice on sickness absence cases in timely fashion. Thisthen links back into a health and safety risk management system of which theOPS becomes a vital part. How are the cost savings achieved? As outlined above, in broadest terms the cost savings come about because ofreduced sickness absence. But how does this service work to reduce days off onsick leave? – By treating the problem – the most obvious reduction in sickness absencecomes from treating the injury or condition and returning staff to work – By treating the problem rapidly – our experience has shown that patientstreated more than 21 days from the onset of the problem are less likely torecover completely (potentially missing more work later), and take longer toreturn to work (being off for longer with this episode). So there is a two-foldbenefit from having a rapid, on-site response. Anecdotal evidence suggests thatwaiting lists for NHS physiotherapy can be as long as six months. If staff areoff work during this waiting period, the chances of them ever returning to workare greatly reduced7 – By amending the workplace – on-site physiotherapists with ergonomicstraining can make recommendations to improve the work environment helping toprevent reoccurrence – By eliminating travel time away from work – By decreasing turnover – a reduction in staff turnover means lowering theoutlay for recruitment, training and any interim agency cover – By boosting morale – there is growing evidence to suggest that psychosocialfactors play a significant role in both musculoskeletal problems and othercauses of lost days. If increased morale is an indicator of a decrease in someaspects of psychosocial stress, this could also be a factor in the success ofthe OPS. Concluding remarks The case study presented outlines the cost effectiveness of an occupationalphysiotherapy service. Its benefits are multifarious, but the fast, successfultreatment of musculoskeletal disorders is the platform for cost savings. Giventhe position of musculoskeletal disorders at the top of the list of causes ofdays lost to industry, the uptake of occupational physiotherapy services acrossBritish industry is likely to increase. Claire Trickey is senior ergonomist and James Bowden is director of occupationalphysiotherapy at OH consultancy COPE References 1. HSC (1999/2000) Health and Safety Statistics – A National StatisticsPublication. www.statistics.gov.uk2. Jones JR, Hodgson JT, Clegg TA. (1998) Self-reported work-related illnessin 1995 HSE Books. 3. Physiotherapy Workforce Statistics (1995-2000) A report for the CharteredSociety of Physiotherapy. 4. www.csp.org.uk5. Information Sheet 2/99/EMSU Economic Impact: Revised data from theself-reported work-related illness survey in 1995 (SW195). 6. HSE (1996) The costs to Britain of workplace accidents and work-relatedill health in 1995/96. HSE Books. 7. Hochanadel CD, Conrad DE (1993) Evolution of on-site industrial physicaltherapy program. Journal of Occupational Medicine, 35(10): 1011-1016. 8. Bonsall JL et al (1991) Effect of Physiotherapy on Sickness Absence inIndustry: A Comparative Study. Journal of the Society of Occupational Medicine,41(4): 176-180. 9. COPE – in-house statistics. Provision of physiotherapy in variousindustries. Not in the public domain. Cost savingsHow the cost savings were achieved– By treating the problem andtreating it rapidly– By amending the workplace– By eliminating travel time away from work– By decreasing staff turnover– By boosting morale On the spotOn 1 Oct 2001 in Musculoskeletal disorders, Personnel Today Previous Article Next Article Comments are closed. Related posts:No related photos.
The observed polarisation of the horizontal magnetic components of whistler mode signals received at Halley, Antarctica (L≈ 4.3), is in many cases that expected from a simple model of the transionospheric and sub-ionospheric propagation in the southern hemisphere; i.e. right-hand elliptical (field vectors rotate clockwise, looking towards the source) for ionospheric exit points close to the receiver, tending towards linear for more distant exit points. This suggests it may be possible to use the observed polarisation to estimate the propagation distance. However, in other cases, in certain frequency ranges, left-hand elliptically polarised signals have been observed. More realistic models do predict polarisation reversals at certain frequencies and exit point to receiver distances, but not over such a wide frequency range as has sometimes been observed. Also, in some cases, signals with nearly right-hand circular polarisation have been observed for exit points at large distances where linear polarisation would be expected.
The Antarctic marine ecosystem is proposed as an environment in which to monitor global hydrocarbon background levels. Hydrocarbon concentrations are probably uniform throughout the Southern Ocean and it is difficult to resolve low levels of contamination against this background. Indices for identifying anthropogenic hydrocarbons have been found to be ambiguous, but principal component analysis has successfully identified potentially polluted inshore waters. Hydrocarbon contamination in the Antarctic occurs only at a small number of coastal locations and is limited in extent. This paper is a review of the work on hydrocarbons in the Southern Ocean by the British Antarctic Survey in the Bransfield Strait and Scotia Sea regions. Analytical methods are discussed and a monitoring programme is developed.
The Prime Minister has made it her personal mission to get more people onto the housing ladder. The government has committed over £40 billion to get more homes built – creating the infrastructure to unlock sites where they’re needed most and removing unnecessary barriers to homebuilding, while making it harder for developers to dodge their obligations on affordable homes. You said that if you were going to take a serious role in not just managing but building the homes this country needs, you had to have the stability provided by long-term funding deals. Well, eight housing associations have already been given such deals, worth almost £600 million and paving the way for almost 15,000 new affordable homes. And today, I can announce that new longer-term partnerships will be opened up to the most ambitious housing associations through a ground-breaking £2 billion initiative. Under the scheme, associations will be able to apply for funding stretching as far ahead as 2028/29 – the first time any government has offered housing associations such long-term certainty. Doing so will give you the stability you need to get tens of thousands of affordable and social homes built where they are needed most, and make it easier for you to leverage the private finance you need to build many more. Today, I’m asking housing associations to use the tools we have given you. Not just to build more homes, though of course more homes are needed. But to take the lead in transforming the very way in which we think about and deliver housing in this country. Rather than simply acquiring a proportion of the properties commercial developers build, I want to see housing associations taking on and leading major developments themselves. Because creating the kind of large-scale, high-quality developments this country needs requires a special kind of leadership – leadership you are uniquely well-placed to provide. …Given the right tools and the right support, you can act as the strategic, long-term investors in the kind of high-quality places this country needs. To put it simply, you get homes built. And I want to work with you to transform the way we do so. Housing associations have a central role to play in building the homes we need and challenging the attitudes that hold us back, Theresa May will say in central London today, as she announces new long-term funding for affordable housing.As part of the Government’s commitment to transform housebuilding, the Prime Minister will announce £2 billion in new funding to give housing associations the long-term certainty they need to deliver tens of thousands of new affordable and social homes.As the first Prime Minister to address the National Housing Federation Summit, she will pledge this morning to work in partnership with the associations to get more people on the housing ladder and make sure those who can’t afford their own place also have somewhere they’re proud to call home.Setting out the steps government has already taken to respond to the asks of the sector – including providing long-term certainty on rents and agreeing not to extend the local housing allowance cap to the social sector – Theresa May is expected to announce new long-term funding for housing associations. She will say: In return, the Prime Minister will call on housing associations to use their unique combination of qualities – from their close ties with local communities to their expertise as property managers and their ability to ride out the business cycle and carry on building – “to achieve things neither private developers nor local authorities are capable of doing”. She is expected to say: For many people, a certain stigma still clings to social housing. Some residents feel marginalised and overlooked, and are ashamed to share the fact that their home belongs to a housing association or local authority. And on the outside, many people in society – including too many politicians – continue to look down on social housing and, by extension, the people who call it their home. …We should never see social housing as something that need simply be “good enough”, nor think that the people who live in it should be grateful for their safety net and expect no better. Whether it is owned and managed by local authorities, TMOs or housing associations, I want to see social housing that is so good people are proud to call it their home… Our friends and neighbours who live in social housing are not second-rate citizens. The Prime Minister will also urge housing associations to use their “unique status, rich history and social mission” to change the way tenants and society as a whole view social housing. She will say: