Retirement savings: why the coronavirus bear market could boost your passive income

first_imgSimply click below to discover how you can take advantage of this. Image source: Getty Images. 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. Buying stocks to make a passive income after a market crash can be a difficult process for any investor. There’s a realistic chance stock prices could move lower in the short run due to economic challenges that may lie ahead.However, the high yields that are on offer across a number of industries may make equities attractive on a relative basis for income-seeking investors. Likewise, for investors who are seeking to build a retirement nest egg over the long run, the low valuations on offer across the stock market could provide buying opportunities that boost your returns in the coming years.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…Passive income opportunitiesInvestors who are seeking to generate a passive income from their capital today can now access higher yields in many cases than they could at the start of 2020. The recent market crash has caused a wide range of companies to trade at lower stock prices. This means their yields will have risen as long as their dividends are being maintained.Some companies that are continuing to pay dividends in 2020 due to coronavirus, not impacting materially on their financial performance, have still experienced falls in their stock prices. Investor sentiment towards equities has declined over recent months, as investors have sought refuge in safer assets, such as gold, bonds, and cash.As such, now could be the right time to buy companies that have solid finances and affordable dividends while they offer high yields. On a relative basis, they could produce high income returns that boost your passive income over the long run.Building a nest eggFor investors who are building a retirement nest egg and don’t require a passive income from their portfolio for many years, now could be an excellent time to buy stocks.The stock market’s track record shows it has experienced infrequent, but somewhat regular, bear markets in its history. They have been hugely challenging for investors at the time, since they cause paper losses in many cases. But the stock market has always been able to successfully recover from all of its downturns and bear markets to produce long-term growth.As such, buying stocks after a market crash has been a sound strategy pursued by many successful value investors. Although it can produce short-term losses, should the outlook for the economy worsen and investor sentiment weakens, over the long term a recovery is highly likely. For investors who’ve a long-term time horizon, therefore, buying high-quality companies today could be a highly profitable move that increases the size of their retirement nest egg and passive income.Risk considerationsClearly, diversifying across a range of businesses to generate a passive income is highly important at all times. It is, however, even more crucial during periods of economic uncertainty where some industries can come under severe pressure.Therefore, building a portfolio of stocks that operate in different sectors could reduce your overall risks, and strengthen your returns in the coming years.  Our 6 ‘Best Buys Now’ Shares Enter Your Email Address 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. “This Stock Could Be Like Buying Amazon in 1997” 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. Peter Stephens | Monday, 8th June, 2020 Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! See all posts by Peter Stephens Retirement savings: why the coronavirus bear market could boost your passive incomelast_img read more

There is fan fiction about Owen Farrell

first_imgIn a few such stories Farrell strikes up a relationship with the fictional sister of a team-mate – in one instance James Haskell’s imagined sister, in another the fictional sister of George Ford.In one story, a die-hard fan of Ireland, Erin, strikes up a relationship with the accurate goalkicker. In another piece, a young Canadian lady named Jane is offered a trial with the England national team and is chosen to room with Farrell… Wild stuff.Back to reality and back to the Six Nations, Farrell’s England side will contest the Calcutta Cup against Scotland in Edinburgh, on Saturday. Happy man: Owen Farrell celebrates victory over Wales There is fan fiction about Owen Farrell. Yes, that’s right. The England and Saracens playmaker has had literature written about him by fans.Some of it is fairly raunchy, too – but then that’s what you have come to expect from fan fiction, right?Fan fiction is a subcategory of fiction that is a fan-imagined spin-off of other fictional work, or that imagines established characters and even real people, in imaginary scenarios. Normally ‘fanfic’ is reserved for short or serial posts online, though sometimes works of fan fiction can find greater audiences.He’s scored: Farrell gets a try against ItalyFor example, the Fifty Shades books by EL James were originally written as fan fiction about some of the characters from the Twilight books and movies.As discovered by Cammy Black of the Scottish Rugby Blog, there are a number of fan-written stories on a page called Wattpad in which Farrell, 26, becomes romantically entangled with an array of fictional young women.center_img Working hard: Farrell in training before facing WalesFarrell has missed England’s more physically demanding training sessions since the 12-6 win over Wales. However he is expected to be fit to face the Auld Enemy.Farrell has kicked the joint-most conversions so far in the Six Nations, with him and Ireland’s Johnny Sexton knocking over five. He and team-mate Jonny May have also made the joint-most clean breaks in the championship, with four apiece.last_img read more

The Wraparound from Rugby HQ – Week 26

first_imgFriday Aug 7, 2015 The Wraparound from Rugby HQ – Week 26 This week’s Wraparound offers something a little bit different to the norm, as Sean and the Rugby HQ guys recap all the very best action that took place in Australian club rugby over the course of the last week. It features some stunning tries, woeful defence and balls of steel.View previous episodes and all archived Plays of the WeekADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Amateur , Great Tries , Plays of the Week Related Articles 32 WEEKS AGO Viral video of Scottish club brawl goes down… 69 WEEKS AGO RUGBYDUMP BLITZ: This Best of the Week round… 69 WEEKS AGO RD BLITZ – Disaster, just when it looked… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyGranny Stuns Doctors by Removing Her Wrinkles with This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living30+ Everyday Items With A Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

Savea and Ioane responsible for defenders waking in cold sweats after these big carries

first_imgFriday Aug 31, 2018 Savea and Ioane responsible for defenders waking in cold sweats after these big carries New Zealand’s Mitre 10 Cup is in full swing and in round two there are a number of stars on show as it’s a break in the Rugby Championship. Two former All Blacks 7s players stood out with powerful carries that terrorised the defence. Wellington demolished Southland on Friday, taking a 40-0 lead at half time before eventually finishing 52-7. Ardie Savea played his part, getting through 63 minutes unscathed, and making a few trademark powerful carries. He played in both of New Zealand’s Tests against Australia, off the bench, so was happy to get through this match without any issues, after having suffered an ankle sprain against France in June.“It was awesome. It was good to get out there and play with the brothers and get a few minutes under my belt,” he said after the match. “I just tried to do my role and carry and clean and let the backs do their job and they certainly did that tonight. I’m just grateful to be out there and play a good 60 minutes.”The All Blacks face Argentina next, so with Sam Cane having had a head knock against the Wallabies, Savea might be in with a good chance of starting. His performance for Wellington wouldn’t have hurt his chances either. One thing it possibly did hurt though is Raymond Tatafu, who he bounced off midway through the first half. On Thursday Auckland beat Waikato 35-17 with relative ease, staying unbeaten after two rounds. Powerful Akira Ioane played his part in an entertaining contest, showing his prowess in the tight loose and also bouncing off a defender, this time creating a bit of a mismatch when charging straight into halfback Jack Stratton. It as a commendable effort from Stratton, but he had no chance against the far larger Ioane, who despite being the older brother of All Black star Rieko, is still just 23-years old. Scary. credit: skynz/rugbypassADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Big Hits & Dirty Play Related Articles 25 WEEKS AGO Suspensions handed down after testicle grabbing… 26 WEEKS AGO The ‘double ruffle’ splits opinion with fans… 26 WEEKS AGO WATCH: The nastiest and most brutal moments… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsDoctors Stunned: She Removes Her Wrinkles With This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living30+ Everyday Items With A Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

More journalists arrested as a result of tension between Palestinian factions

first_img Reporters Without Borders condemns the renewed harassment of pro-Hamas journalists by the West Bank security services, in particular the arrests of Al-Aqsa TV cameraman Oussid Amarena and Filasteen bureau chief Mustapha Sabri in the past 11 days.“Journalists are again paying the price of the political tension between the different Palestinian factions,” Reporters Without Borders said. “The Palestinian Authority does not allow any view but its own to be voiced in the West Bank and does not hesitate to harass pro-Hamas journalists. The Hamas government in the Gaza Strip is no better.”The press freedom organisation added: “These governments should allow the press to do its work. Palestinians have a right to diverse and independent news coverage. The media should not be the hostage of political factions.”Amarena, 24, was arrested when he went to the headquarters of the Palestinian Authority’s Preventive Security service in Bethlehem on 18 May in response to a summons. He was interrogated by Preventive Security members, insulted several times and then placed in solitary confinement. Officials did not say what charges, if any, have been brought against him.Amarena’s mother told Reporters Without Borders that he went on hunger strike for four days in protest against his arrest and the conditions in which he was being held. He has been arrested many times in the past by the Palestinian Authority’s security services in the West Bank.Sabri, the West Bank bureau chief of the newspaper Filasteen, was arrested by Preventive Security in Ramallah on 21 April.Reporters Without Borders urged the Palestinian Authority to stop the constant provocations and attacks on pro-Hamas journalists in a 25 March letter to the interior ministry condemning the harassment of journalist and writer Essam Abu Shawar by Preventive Security agents in Tulkarem.Reporters Without Borders meanwhile hails the return of journalist Sakher Abu El Oun’s passport by the interior ministry that has been in charge in the Gaza Strip since Hamas seized power there in June 2007. Its confiscation on 21 March prevented him from attending a conference in Bahrain.The Agence France-Presse bureau chief and president of the Union of Palestinian Journalists in the Gaza Strip, El Oun was summoned and questioned several times by the Hamas security services about his journalistic activities.Reporters Without Borders wrote to the Gaza Strip interior ministry on 31 March to protest against the police harassment of El Oun and other intimidatory practices to which he had been subjected. WhatsApp blocks accounts of at least seven Gaza Strip journalists RSF asks ICC prosecutor to say whether Israeli airstrikes on media in Gaza constitute war crimes Organisation to go further RSF_en Receive email alerts June 3, 2021 Find out more News News PalestineMiddle East – North Africa center_img News News Israel now holding 13 Palestinian journalists Help by sharing this information Follow the news on Palestine May 28, 2021 Find out more May 29, 2009 – Updated on January 20, 2016 More journalists arrested as a result of tension between Palestinian factions PalestineMiddle East – North Africa May 16, 2021 Find out morelast_img read more

Tamil journalist gunned down in east of country

first_img January 13, 2021 Find out more News Aiyathurai Nadesan, correspondent of the daily paper Virakesari Tamil and IBC Radio in Batticaloa, was shot dead by two gunmen on a motorcycle. Reporters Without Borders expresses its outrage and fears a new wave of violence in the east and north of the country. Organisation Sri LankaAsia – Pacific Follow the news on Sri Lanka Help by sharing this information Sri Lanka: Journalist manhandled by notorious police inspector currently on trial RSF_en to go further July 29, 2020 Find out more Reporters Without Borders (Reporters sans frontières) today condemned at the murder of Tamil journalist Aiyathurai Nadesan in Batticaloa (220 km east of Colombo) and voiced concern that dissension within the Tamil separatist movement could lead to an escalation of violation against the news media.”We call on the authorities to keep us informed of progress in the investigation into this new crime against the press,” the organisation said. A copy of the letter has been sent to Gen. Shantha Kottegoda, the new army commander in eastern Sri Lanka.Nadesan was gunned down as he was going to work at about 8:00 a.m. by two men on a motorcycle who got away. His body was taken to the local hospital where an autopsy was carried out.Nadesan worked for the daily Virakesari Tamil, the Tamil-language service of the London-based radio station IBC and several online media. He was known for criticising the Sri Lankan army and paramilitary groups in his weekly column in Virakesari Tamil’s Sunday edition.His murder comes amid a resurgence of violence linked to a split within the Tamil Tigers (LTTE). Nadesan was considered to be close to LTTE.A prominent member of the local press, Nadesan received the prize for the best Tamil journalist in 2000. He was briefly detained in July 2001 and threatened by an army officer with prosecution under the Prevention of Terrorism Act because of his criticism of the government and the security forces. He was married and had three children.An envoy of the press freedom organisation recently met Nadesan in Batticaloa and the journalist described the problems local journalists were facing.Mayilvaganam Nimalarajan, a Jaffna-based stringer for the Sinhala-language service of the BBC World Service, was killed in October 2000 at a time of tension within the different Tamil movements. Despite national and international pressure, his murder remains unpunished. Receive email alerts July 15, 2020 Find out more June 1, 2004 – Updated on January 20, 2016 Tamil journalist gunned down in east of country News Sri Lanka: RSF signs joint statement on attacks against human rights defenders, lawyers and journalists Sri LankaAsia – Pacific News Sri Lanka: tamil reporter held on absurd terrorism charge Newslast_img read more

Bombay High Court Dismisses Plea Against Construction Of Lokhandwala-Andheri Link Roads With Rs.2 Lakh Cost

first_imgNews UpdatesBombay High Court Dismisses Plea Against Construction Of Lokhandwala-Andheri Link Roads With Rs.2 Lakh Cost Nitish Kashyap7 Dec 2020 9:03 PMShare This – xThe Bombay High Court on Friday dismissed a Public Interest Litigation filed by a group of residents from Versova questioning the construction of Lokhandwala Andheri link roads citing uprooting of mangroves as a cause for concern, observing that the petitioners appear to have private interest in the matter.Division bench of Chief Justice Dipankar Datta and Justice GS Kulkarni were hearing a…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 Bombay High Court on Friday dismissed a Public Interest Litigation filed by a group of residents from Versova questioning the construction of Lokhandwala Andheri link roads citing uprooting of mangroves as a cause for concern, observing that the petitioners appear to have private interest in the matter.Division bench of Chief Justice Dipankar Datta and Justice GS Kulkarni were hearing a PIL filed by residents of Versova area, many of whom belong to the Jai Bharat Housing Society which is also one of the petitioners in the case. Court imposed a cost of Rs. 2 lakh to be deposited with the Maharashtra State Legal Service Authority within 4 weeks. The bench observed-“The petitioners appear to be those persons who have some private interest of whatsoever nature to prevent such public works. In these circumstances, it cannot be said that the petitioners are espousing a genuine public interest and/or have absolutely no private interest. This public interest litigation is hence, an abuse of the process of law.”Case BackgroundThe said PIL was filed in 2019 questioning the project undertaken by the Municipal Corporation of Greater Mumbai alongwith the State Government and the Mumbai Metropolitan Regional Development Authority to connect the areas of Versova and Lokhandwala. The petitioners contend that execution of the project work would involve uprooting of mangroves. They alleged in the PIL that the project plan portrays an unwarranted development as according to them, it would not, in any manner resolve the prevailing traffic situation in the area. On the contrary, the MCGM’s plan would increase traffic and bottlenecks and add to the citizens woes, the PIL states.Moreover, the petitioners contend that during 2014-2015, the aforesaid co-operative society again issued various letters to the concerned authorities raising their concern on the proposed link road/bridges passing through mangroves and the possible encroachment in and around the mangroves. They also pointed out that the plan had too many defects which were elaborated in these letters issued to the authorities. However again no reply was received to these letters. The petitioners also averred that Bombay Environmental Action Group (BEAG) had approached the High Court in a public interest petition against the State of Maharashtra and others which was filed seeking protection of the mangrove areas. In the said PIL, High Court had passed an interim order dated October 6, 2005 directing total freeze on the destruction and cutting of mangroves in the entire State of Maharashtra. A co-ordinate Bench of the High Court had delivered a judgment on September 17, 2018, interalia directing that irrespective of ownership of land on which the mangroves were situated, such land shall be deemed to be a forest and would come under the definition of Forest (Conservation) Act 1980. Petitioners relied upon the said judgment.On the other hand, in an order dated April 25, 2019 a co-ordinate Bench of the High Court told MCGM that no tree shall be cut to lay down link road connecting Versova to Lokhandwala in an interim order. Thereafter, petition was moved at the behest of the MCGM contending that the interim order in the facts of the case ought not to be continued as it would withhold the project and more particularly the installation of a vehicular bridge, except for which, construction of the roads on both the sides is already completed.In an affidavit dated May 31, 2019 filed by Sanjay Sandanshiv, Under Secretary, Environment Department on behalf of the MCZMA, to state that a proposal dated August 14, 2013 was received by the MCZMA from the MCGM for construction of vehicular bridge at the junction of Yari road and Lokhandwala back Road, near Amarnath Tower building, Andheri (West) Mumbai. The proposal of MCGM was deliberated in the 90th meeting of the MCZMA held on July 19, 2014 wherein after a detailed deliberation, the MCZMA called upon the MCGM to submit a Rapid Environment Impact Assessment (EIA) and an ‘Environment Management Plan’. These requirements were fulfilled by the MCGM by submitting such plans on 27 July 2015 which were prepared by the National Institute Oceanology (NIO) and the National Environment Engineering Research Institute (NEERI).An affidavit filed by MCGM stated that the installation of the bridge and the completion of the project is essential for the public need, as the proposed road would be a shortcut for the movement of traffic connecting Lokhandwala Complex and Versova areas which would reduce the travel time from 35 minutes to 5 minutes. The MCGM’s Notice of Motion filed in the petition came to be granted by the High Court by an order dated March 7, 2017.JudgmentAdvocate Vikramaditya Deshmukh appeared for the petitioner. AGP Kedar Dighe for the State. Mr.Y.R.Mishra, Advocate Atul Singh for Union of India. Advocate Rajesh Patil, Advocate a/w for MCGM and Advocate Sharmila U.Deshmukh for MCZMA and MPCB. At the outset, the bench noted-“The primary concern of the petitioners is not only that the mangroves would be adversely affected by the public road project being undertaken by MCGM to the point of destruction, but also the project plan of the MCGM being defective and faulty. We may observe that the second contention appears to be totally untenable. From the frame of the petition, it appears that the petitioners are not in a position to contend that they are super experts in the field of planning and thus are in a position to either displace the planning of the road project in question by the MCGM and/or are in a position to sit in appeal over the project planning, as undertaken by the MCGM with the help of experts in the field of planning the public need and utilities. There is no material to sustain such an argument. Hence, the petitioners contention of the project plan being faulty is required to be outrightly rejected.”Moreover, the bench pointed out that the petitioners had tried to suppress the order dated March 7, 2017 wherein permission to restart the project was granted by the Court. Court noted-“We may observe that the above order passed by this Court is specific to the project in question as undertaken by the MCGM. However, what is disturbing is that although the petitioners referred to the final orders passed on the BEAG’s PIL in seeking the reliefs in the present petition, they have suppressed the order dated March 7, 2017 passed by this Court on the MCGM’s Notice of Motion. We may note that all the orders passed by this Court are available in the public domain namely on the official Website. When the present PIL was filed the said order dated 7 March 2017 was certainly available in the public domain and to the petitioners. The petitioners however chose to suppress the said order from this Court, significantly when they sought a stay on the public project and intended to be the beneficiaries of the interim order dated 25 April 2019, which operated as an injunction on the MCGM to proceed with the project. This more particularly when the order dated 7 March 2017 was passed by this Court permitting the MCGM to proceed with the project by undertaking construction of the road including installation of the bridge joining Versova and Lokhandwala areas. In the said order this Court categorically recorded that it is a public utility project which was required to be permitted as all permissions were obtained by MCGM.”Finally, dismissing the said PIL the bench expressed “grave doubt as to whether this is a genuine public interest litigation.”Click Here To Download Judgment[Read Judgment]Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

Armored truck security guard fatally shot in face by ‘brazen’ robbers, manhunt ongoing: Police

first_imgKTRK(HOUSTON) — An armored truck security guard was fatally shot in the face by “brazen” robbers who attacked him in broad daylight outside a Houston fast-food restaurant, authorities said.Francis Hazzard, a Loomis Cash Handling Company security guard, was caught on video coming out of a Popeyes when he was attacked at about 1:40 p.m. Thursday, Houston police said.The three suspects, all armed with guns, approached Hazzard, who had left the restaurant with a black money bag. As they struggled over the bag, one suspect shot Hazzard in the face, police said.Hazzard, 68, died at the hospital.The suspects grabbed the bag of money and fled; it is not clear how much money they took, Houston Police Department Assistant Chief Pedro Lopez said.Lopez called the crime “very brazen.”“Who would commit a robbery at 1:30 in the afternoon?” he said at a news conference Thursday.The victim had a gun but it is not clear if he returned fire, police said Thursday.Hazzard was a passenger in the armored truck. Police did not comment on where the driver of the truck was at the time of the attack. A representative for Loomis did not immediately respond to ABC News’ request for comment.The manhunt for the attackers is ongoing.All three suspects fled in an SUV, which was later recovered and determined to be stolen, police said. It’s believed the suspects then fled in a 2014 black Chevrolet Impala.The FBI and ATF are involved in the investigation.Anyone with information is asked to call the police at 713-308-3600 or Crime Stoppers at 713-222-TIPS.Copyright © 2019, ABC Audio. All rights reserved.last_img read more

Back statements

first_img Previous Article Next Article Related posts:No related photos. Comments are closed. With back pain costing employers £5bn a year in absenteeism, managing theproblem is of fundamental importance. Recognising this, a research team has setout new guidelines on dealing with inflicted staff.  By Lisa Birrell and Tim Carter Disability from back pain in people of working age is one of the mostdramatic failures of healthcare in recent years. Its greatest impact is on thelives of those affected and their families. However, it also has a major impacton industry through absenteeism and avoidable costs: every year 40 per cent ofthe population is affected by back pain and 50 million working days are lost ata cost of about £5bn – or £200 per employee1. New approach A multidisciplinary working group, including occupational health nurses, forthe Faculty of Occupational Medicine (FOM), has produced guidelines for themanagement of low back pain at work2. It aims to reduce the toll by providing anew approach, based on the best available scientific evidence, and using thisto make practical recommendations on how to tackle the occupational healthaspects of the problem3. A number of key messages and challenges for occupational healthpractitioners managing low back pain at work are identified in the guidelines.Work is only one contributor to back pain, but whatever its cause, if poorlymanaged, back pain can have a devastating effect on a person’s ability to dotheir job. There are no valid methods of pre-placement screening to detect those atrisk, but a history of back pain should not generally be a reason for refusingemployment. For people with back pain, inactivity and bed rest increase the chance ofdisability – an active approach to treatment and return to work brings benefitsto everyone. And insisting on freedom from pain before someone resumes normalwork may delay recovery. OH professionals should discuss whether the inflictedperson’s job needs to be adapted to help them return quickly to fullactivities. Solutions such as rest pauses, task rotation, handling aids andextra help should be considered. Joint initiatives OH advisers should involve employer, employees and trade unions whendeveloping measures to combat back pain. This joint approach has provedeffective in reducing the impact of back pain at work. Encourage employers toset up systems to deal promptly with reports of back pain and review thesereports to see if the prevention measures can be improved. OH nurses should collaborate with GPs, for instance, to help people withback pain to return to work as soon as possible if they have been absent. Andemphasise the need for active rehabilitation within a month of the start of anepisode of back pain and before it has become a chronic and largelyirremediable problem. If such services are not available locally through theNHS, it may be possible to make arrangements through employers’ liability orprivate medical insurance. Leaflets summarising the guidelines have been produced for occupationalhealth practitioners, employers and people at work (see box of principlerecommendations overleaf). These complement existing guidelines produced forprimary care health professionals by the Royal College of General Practitioners(RCGP), and should facilitate better links between the workplace and thecommunity for back pain management4. The process used to develop such guidelines is well established: asystematic review of the scientific evidence was prepared covering each of sixkey occupational health areas. Evidence statements, with weighting according to strength, were linked tothat evidence. As far as possible, recommendations for practice were based on and linked tothese evidence statements, though there are some important areas where there isa lack of evidence. The evidence and recommendations concentrate oninterventions and outcomes rather than on professional disciplines and so donot make any comment on which occupational health professional should provideadvice or support. The guidelines concern the clinical management of employees affected bynon-specific low back pain (LBP), including advice on placement, rehabilitationand measures for prevention. They focus on actions to be taken to assist theindividual and do not specifically cover legal issues, health and safetymanagement, job design and ergonomics. The guidance assumes that a riskassessment has been conducted and used to define the control measures required,including the need for occupational health advice. It is not intended, norshould it be taken to imply, that these guidelines override existing legalobligations. Any duties under the Health and Safety at Work Act 1974, the Management ofHealth and Safety at Work Regulations 1992, the Manual Handling OperationsRegulations 1992, the Disability Discrimination Act 1995, or other relevantlegislation must be given due consideration. Lisa Birrell is secretary and Tim Carter is chairman of the Faculty ofOccupational Medicine Guidelines Working Group The report was sponsored by Blue Circle Industries, through the BritishOccupational Health Research Foundation and the Faculty of OccupationalMedicine. Copies of the full evidence review and guidelines available (at £15 acopy) from: Faculty of Occupational Medicine, 6 St Andrew’s Place, Regent’sPark, London NW1 4LB. www.facoccmed.ac.ukwww.rcgp.org.ukReferences 1 Clinical Standards Advisory Group (1994) Epidemiology Review: TheEpidemiology and Cost of Back Pain. London, HMSO: 1-72. 2 Carter JT, Birrell LN (2000). Occupational Health Guidelines for theManagement of Low Back Pain at Work – Principal Recommendations. Faculty ofOccupational Medicine, London (www.facoccmed.ac.uk). 3 Waddell G, Burton AK (2000). Occupational Health Guidelines for theManagement of Low Back Pain at Work- Evidence Review. Faculty of OccupationalMedicine, London (www.facoccmed.ac.uk). 4 Royal College of General Practitioners 1999. Clinical Guidelines for theManagement of Acute Low Back Pain. Royal College of General Practitioners,London (www.rcgp.org.uk). 5 Kendall NAS, Linton SJ, Main CJ (1997). Guide to Assessing PsychosocialYellow Flags in Acute Low Back Pain: Risk Factors for Long-term Disability andWork Loss. 1-22. Wellington, NZ. Accident Rehabilitation and CompensationInsurance Corporation of New Zealand and the National Health Committee. 6. The Back Book (1997). The Stationery Office (ISBN 0 1170 2078 8). Principle RecommendationsEvidence * * * Strong * * Moderate * Limited or contradictoryBackgroundMake employers and workers aware that:– LBP is common and frequently recurrent but usually brief and self-limiting– Physical demands at work are only one factor influencing LBP– Prevention and case management need to be directed at both physical andpsychosocial factors* * * Physical demands at work can be associated with increased backsymptoms and ‘injuries’, but they do not generally produce lasting physical damage.Overall, they are less important than other individual, non-occupational andunidentified factors* * * Disability due to LBP depends more on psychosocial factorsPre-placement assessment– LBP is not a reason for denying employment in most circumstances. Careshould be taken when placing individuals with a strong history of LBP inphysically demanding jobs– Placement should take account of the risk assessment and requirementsunder the Disability Discrimination Act 1995, but is ultimately a question ofprofessional judgement* * * A strong history of LBP is the best predictor of future problems:frequency and duration of previous attacks, time since last attack, radiatingleg pain, back surgery and sickness absence* * Clinical examination, x-ray, MRI, back-function testing machines andpsychosocial screening are not reliable predictorsPrevention– Advise on current good working practices such as specified in the ManualHandling Regulations and associated guidanceEncourage employers to:– Consider joint employer-worker initiatives to identify and controloccupational risk factors– Monitor back problems and sickness absence due to LBP– Improve safety and develop a “safety culture”– Recognise the importance of providing satisfying work in a climate of goodindustrial relations* * * Traditional biomedical education and lumbar supports do not reducefuture LBP and work loss* There is conflicting evidence whether general exercise/physical fitnessprogrammes have much preventive effect* Joint employer-worker initiatives to monitor and improve safety can reducethe number of reported back “injuries” and sickness absenceAssessment of the worker with back pain– Screen for serious spinal diseases and nerve root problems– Take a detailed clinical, disability and occupational history – Consider psychosocial risk factors for chronicity (see “YellowFlags” box).* * Patients over 50, with prolonged and severe symptoms or radiating legpain are at more risk of long-term disability* * Clinical examination, x-ray and MRI do not predict clinical symptoms orwork capacity* * * Individual and work-related psychosocial factors play an importantrole in persisting symptoms and disabilityManagement principles for the worker with back pain– Ensure that workers with LBP receive the key information in a form theyunderstand (The Back Book6) and that their clinical management follows the RCGPGuidelines 4. Discuss expected recovery times– Encourage the worker to continue as normally as possible and to remain atwork, or to return to work at an early stage, even if they still have some LBP – Consider temporary adaptation of the job or pattern of work if necessaryto achieve this* * * Staying active and returning to ordinary activities as early aspossible leads to faster recovery and fewer recurrences * * * Most workers with LBP are able to continue working or to return towork within a few days or weeks: they do not need to wait until they arecompletely pain free* * Joint employer-worker initiatives to provide optimum management and tofacilitate and support workers remaining at work or returning to work as earlyas possible may reduce sickness absenceManagement of the worker having difficulty returning to normal workduties at 4-12 weeks– Address the common misconception among workers and employers that you needto be pain-free to return to work – Advise on ways in which the job can be adjusted to facilitate return towork– Communicate and collaborate with primary healthcare professionals to shiftthe emphasis from dependence on symptomatic treatment to rehabilitation andself-management strategies. Where practicable refer to an active rehabilitationprogramme* * * The longer a worker is off work with LBP, the lower their chances ofever returning to work* * Temporary provision of modified or lighter duties facilitates return to workand reduces time off work* * Changing the focus from purely symptomatic treatment to an activerehabilitation programme can produce faster return to work and less chronicdisability. This is more effective in an occupational than in a healthcare setting* * A combination of optimum clinical management, a rehabilitationprogramme, and organisational interventions designed to assist the worker withLBP return to work, is more effectivePsychosocial ‘Yellow Flags’ Patient beliefs and behaviours which may predict poor outcomes– A belief that back pain is harmful or potentially severely disabling– Fear-avoidance behaviour and reduced activity levels– Tendency to low mood and withdrawal from social interaction– Expectation of passive treatment(s) rather than a belief that activeparticipation will help Back statementsOn 1 Jun 2000 in Personnel Todaylast_img read more

…in brief

first_img…in briefOn 9 Jan 2001 in Personnel Today Comments are closed. Previous Article Next Article Related posts:No related photos. This week’s news in brief…Engineering skills gapBritain’s roads, railways and infrastructure are being jeopardised by difficulties in recruiting engineers, according to a leading engineering representative body. A survey by the Association of Consulting Engineers (ACE) shows that 94 per cent of engineering companies reported problems finding experienced staff. First Acas chief execAcas has appointed John Taylor, currently at the Training and Enterprise Council of South-East Wales, as its first full-time chief executive. It is the first time the position at Acas has been separate from that of chairman. Taylor, who will join in March, said, “With the nature of the workplace changing so radically, this is an exciting time to join Acas.”www.acas.org.ukTUC information bidThe TUC is considering legal action under the Data Protection Act that will force companies to surrender information they hold about employees. Unions could use the act to make companies give them information about employees before they go to tribunal. Employees would then be able to challenge the information.www.tuc.org.uk Partnership assessedManagers are paying only lip-service to the virtues of partnerships between employers and unions, according to a new report. An MSF-sponsored survey by Leeds University shows that despite 84 per cent of employers claiming partnerships were essential to industrial relations, nearly half of the unions questioned accused management of not sharing information or discussing plans.www.msf.org.uk Stress not reportedAmbulance drivers are not reporting symptoms of post-traumatic stress in case it damages their career prospects, a report has found. Sixty-four per cent of the drivers who had experienced a traumatic incident in the past six months claimed the risk to career prospects was always a deterrent to seeking help. The Royal College of Psychiatrists report also claims one in three ambulance staff has mental health problems.www.rcpsych.ac.uk Gossip can be hurtfulNew research suggests that what can seem like harmless office gossip can be devastating for employees on the receiving end. A study by the British Psychological Society found that while gossip can be a way of letting off steam, if can sustain bullying and harassment campaigns and isolate and victimise people.www.bps.org.uk last_img read more