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Why Getting Good Sleep is the Most Important Thing You Can Do for Your Health

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With many people becoming busier and busier every day, we find ourselves having to sacrifice certain parts of our day to fulfil our commitments. And what is the number one thing most people skimp on? Sleep. Yet, science shows that getting a good amount of high-quality sleep is essential to both physical and mental health. Read on to find out why getting good quality sleep is one of the most important things you can do to mend your health, and the easy steps you can take to improve your quality of life.

It Can Affect Your Weight

Bad sleep highly correlates with increased, unhealthy weight gain. This is primarily due to the fact that irregular or disrupted sleep disrupts hormones involved in regulating appetite, making it harder to control your eating habits. Good sleepers eat fewer calories, which over time allows them to function at an overall higher energy level and be more active. Not only does this have obvious benefits in terms of physical health – exercise and movement is good for everyone – but it can lead to high success in the workplace and at school.

Excessive weight can lead to a myriad of serious health issues, such as impeded circulation, strokes, heart attacks, and diabetes. Moreover, the effects of excessive weight gain on mental health are apparent – people who are overweight are more likely to suffer from low self-esteem, stress, depression, and anxiety.

It Can Damage Your Body’s Muscles, Joints, and Bones

Poor quality sleep can also have more obvious effects, such as joint, muscle, and bone pain – like the infamous crick in your neck from sleeping the wrong way. Bad sleep leaves your body less equipped to heal damage – it has to work overtime – and you’ll have less energy to repair and strengthen cells around your body. This can lead to you becoming more susceptible to muscle injuries such as tears or pulls, or even long-term disorders such as arthritis – a particular danger for older individuals.

Getting a better mattress can prove to be a fool-proof and quick fix to this problem, and you can instantly feel the difference and allow your body to heal and feel fresh and rested in the morning. Before you make a purchase, you can check resources like The Mattress Guide, who have listed the Top 10 Mattresses in the UK, including the best mattress 2020. There’s plenty of information there, from size, to fabric and materials, to all the pros and cons and the price. This means that you can easily find out which mattresses are the best for your comfort and health needs, allowing you to buy the best mattress for you.

It Can Affect Your Mental Health

We mentioned before that excess weight can lead to depression and stress, but bad sleep in and of itself can also affect your mental wellbeing. Sleep is vital to keeping our brain functioning properly, and serves as a regenerative period for the brain. Too little sleep, and we begin to see drops in concentration, performance, memory, and productivity – on par with someone who is drunk, as studies have shown. This means that we end up struggling with the day and come out feeling exhausted, even if the day itself was like any other. Excess exhaustion can then lead to negative thoughts – 90% of depressed individuals suffer with sleep issues.

It’s therefore essential that you try and regulate your sleep to stop it from impacting your functioning in day to day life. Setting a routine, and sticking to it – including avoiding those pesky mid-day naps – will help greatly with this. Also of note is, of course, going to bed at a fairly early time, avoiding phones before bed, and eating well before you plan on going to bed – all of these things will help you to fall asleep faster and find yourself waking up rejuvenated and ready to tackle the day ahead.

It Can Affect Your Immune System

Getting a sub-optimal amount of sleep – even a relatively small loss of sleep – can impair immune functioning. In fact, sleeping less than eight hours a night can increase your risk of developing diseases (such as the cold or flu) by three times compared to a person that sleeps eight hours or more per night. Conversely, however, too much sleep can also impair immune functioning and deregulate your metabolism, leading to an upset of your body’s general homeostasis. It’s therefore essential that you try and keep a good balance between too much and too little sleep.

Overall, getting a good amount of sleep is one of the pillars of health, and without it, you cannot be fully healthy. Poor sleep can negatively impact on your weight, leading to a host of other health risks. It can also damage your body’s physical support structures, as well as drastically impacting on your mental health and immune systems. Good sleep is the often-overlooked key to good health!

Vital Details About Condo Insurance

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Condo owners must review the terms of their mortgage contract and determine what type of insurance coverage they need for their property. How they use the property plays a vital role in how the owner covers it by insurance. For example, if it is a vacation home and the owner won’t live there most of the time, they will need unoccupied dwelling coverage to protect the property from damage and criminal acts. If they rent out the condo, the owner will need to enforce renter’s insurance to mitigate additional risks. A standard and a master condo policy help the owner protect their vacation home fully, and the policies provide funds to fix damage if it happens.

The Master Policy

The master policy provides coverage for exterior spaces within the condo community that are available to residents. This includes clubhouses, swimming pools, exercise rooms, and the structures around the community. It provides coverage for the exterior of each unit, including the exterior walls and roofing. If a covered event happens, it will pay for the replacement of any fixtures that were damaged. All condo owners living in the community must have a master policy. Typically, the condo association secures the policy, and the residents pay specific fees for keeping the coverage for their condo.

It provides assistance for liabilities that happen on the grounds or anywhere in the community that isn’t inside one of the units. For example, if a condo owner, tenant, or their guests are injured while using any fixtures in the communal areas of the condo community, the master policy is applied to these liabilities. It provides coverage for the injured party and offers compensation for any financial losses connected to their injuries. This includes medical costs and may include lost wages if the individual sustains a serious injury. Condo owners who want to learn more about the policies can contact Garrity Insurance now.

The Individual Condo Insurance

The individual condo insurance policy applies to the interior of the condo purchased by the owner. It’s often referred to as the bare walls coverage in that it pays for damage inside the condo. This includes the walls, flooring, and ceilings. Any items that are inside the condo are protected through the insurance coverage, but any items that exceed the coverage amount will require an additional rider to acquire further coverage if the value is higher than average.

The condo owner gets some liability coverage for the unit, too. If a visitor is injured inside the condo, the condo owner can file a claim to cover their medical requirements and prevent a lawsuit. If the owner has a pet, such as a Pitbull, they can get increased coverage if their dog attacks or bites a visitor. The coverage applies according to the breed and weight of the dog. It is helpful for protecting the owner against liabilities related to their pet’s actions. They can add riders to their policy if they have more than two pets and need extra coverage.

Additional Peril Coverage

The location of the condo defines what additional perils the condo owner could face. For example, if the property is close to the ocean, the individual will need coverage for floods and hurricanes. If the condo is an area where earthquakes are possible, such as near fault lines, the owner will need a supplemental policy to protect against these extra risks.

It is also possible to increase coverage for items inside the home based on these additional risks, and the condo owner may consider riders related to floods, hurricanes, or earthquakes. This may prevent them from losing high-valued items if the property is a complete loss. Typically, a rider is provided with an appraisal for each item, and the owner receives the appraised value if the items are lost, stolen, or damaged.

How Does Condo Coverage Differ from Homeowner’s Insurance?

Homeowner’s insurance covers the entire property and some fixtures that are connected to the exterior of the property. The condo insurance covers the interior spaces only. The condo owner would still get coverage for mold or flood remediation if they have a water leak inside the property. Some items, such as appliances, furniture, and electronics, are covered more fully by a homeowner’s insurance policy than a condo policy. For instance, a homeowner’s insurance policy may provide true replacement value, and a condo policy may not.

The homeowner’s insurance policy provides coverage for liabilities, too. However, to use a homeowner’s insurance policy, the property would have to be the property owner’s primary home, and it i would have to be a separate property from a condo community. Condo communities are managed by a condo association, and this may limit insurance options for owners. Since some condos are considered vacation homes, for the most part, they must be covered by a condo policy not a homeowner’s policy.

Does Condo Insurance Include Dues Owed by the Owner?

The dues they pay each year may apply to the master insurance policy, but the fees do not apply to standard condo policies that the owner will need to purchase to supplement their coverage. The separate policy is managed by the condo owner, and they must maintain coverage for as long as they own the condo. Condo owner associations can take action if an owner doesn’t maintain their insurance policies, as this could present a risk to all properties in the condo. If a condo is damaged, the value of the entire community is affected if the owner doesn’t complete repairs properly.

Condo owners examine policies for protecting their condos according to how they use the property. A second or vacation home will require coverage, and they won’t be able to use the same homeowner’s insurance policy for the separate property. With condos, condo insurance including a standard and master policy are necessary to protect adequate coverage for the property. If the property is in a location where extra perils are greater, they will need supplemental policies to cover these perils and protect their investment. Reviewing condo insurance policies shows the condo owners what is covered and how it works to protect their property.

Helpful Tips to Sell a Small Business

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Selling a small business is a process that requires multiple steps. Also, proper planning is essential to maximize the returns seen. While selling a business may seem likely a complicated process (and sometimes it is) there are some tips that can be used to make things easier.

For any business owner who is ready to sell, one of the first step is to use a professional service like the ones over at CGK Business Sales. Some other tips to help with the sale of a business can be found here.

Tie Up Loose Ends

It is well known that if someone wants to sell their home, they have to get it in order, first. Most people would not expect potential buyers to be interested in a house if the roof leaked and the walls needed to be painted.

This same concept is true when selling a business. If the contractors are not clear or if the balance sheet needs to be improved, the business’s value will fall, often significantly. Be sure to handle everything like this before listing the business for sale.

Determine the Value of the Business

It does not matter while someone decides to sell their business, determining the value is essential. There are many moving parts but investing in a business valuation is essential. In the long run, this is something that will help to ensure the sale is as profitable as possible.

Unfortunately, if someone does not have experience or a background in accounting, they may not fully understand what goes into figuring out the valuation of their business. This is fine, but it is important to understand the basic process used.

Earnings before interest, taxes, depreciation, and amortization (EBITDA), and the business’s cash flow are the top factors used to figure out the valuation of the business. If a business has a high level of revenue but the free cash flow is minimal, the value of the business will be less.

Any buyer who is interested in the business will look at the non-financial aspects of the business, too. For example, is there a strong management team in place? Will the company be able to run without the owner?

It is a good idea to contact a professional business appraiser to receive a detailed explanation of what a business is worth. Trying to negotiate the sale is going to be easier when someone knows what the business, they have is really worth.

Request Offers to Buy in Writing

When (and if) a business owner begins to receive offers to buy the business, it is essential to make sure they are in writing. This will allow the business owner to make proper and accurate comparisons. The price alone is not going to be the only factor that needs to be considered. Instead, it is necessary to record all the details of each offer to ensure the one that makes the most sense. This is essential and may require the help of a professional who knows what to look at and how to compare offers to find the one offering the most value.

Don’t Neglect the Business When Trying to Sell

A mistake that many people make is that they focus on the deal and begin to ignore the business. This is an expensive mistake because the deal is not truly complete until all the paperwork has been signed. If the revenue for the company declines suddenly in the months that lead up to the sale, buyers may decide to come back to the table and request a lower selling price.

In the months that lead up to the sale, be sure that it is clear who will run the business and who is going to oversee sale negotiations. This is going to help ensure issues do not arise.

Be Sure and Ready to Answer Questions from Buyers

Before selling a business, a business owner needs to prepare to answer many questions from possible buyers. For example, most buyers are going to want to know the reason for selling the business.

Is it being sold because the owner has plans to retire, or are they selling because it is not profitable? It is also necessary to answer any in-depth questions about the history of the company, how the valuation was determined, and if the business can continue to run without the owner.

Make sure to be as truthful and upfront with potential buyers as a person can and do not try to avoid or gloss over the flaws. If a company is dealing with an issue, a potential buyer should hear about this situation from the owner who is trying to sell.

Create a Plan for After the Sale

When the business is finally sold, what’s next? A business owner should have a plan for what they are going to do once the sale is complete. Even if someone is selling to retire and spend time with their family, they should still have certain gains to work toward achieving. If they do not have this plan, the former business owner may find they feel bored and even depressed at times.

It is also important for a business owner to take some time before spending the profits earned from the sale of the business. This is going to give them the chance to know what tax responsibilities they have and to think through the financial goals they have set.

Selling a Business with These Tips

When it comes to selling a business, there are several important factors to keep in mind. With the information here, it is possible to ensure that the desired results are achieved and that the business owner gets the full value of the business. Remember, when someone builds a business through the years, selling it can seem difficult; however, it is possible to get what the business is worth -; and then some -; if the right tips are followed. Being informed is the best way to sell a business.

How Playing Chess Can Improve Our Mental Health

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Originally from India, and with more than 1,500 years of history, chess is a strategy game that brings benefits to people. It can provide entertainment and fun but will also enable intellectual, emotional and social development.

Chess is considered by sports journalists, doctors and players a brain in the gym. It has been pointed out by specialists that chess could prevent and help Alzheimer’s patients and that it is very useful for people in confinement contexts. Neurologists indicate that there is an inverse relationship between more mental exercise and less risk of suffering from senile dementia or Alzheimer’s. Chess is known to be the most important game to exercise the mind. It has been proven that both hemispheres of the brain are activated during a chess game. The left hemisphere is used to identify the pieces, and the right to recognize moves and patterns. Memory is also developed since chess requires keeping a mental record of other games played and analyzing them. 

Spatial skills are also improved because when playing in front of the chess board you need to understand the position of all the pieces and their movements. It is necessary to remember the previous location of the pieces for the visualization of future positions.

Several studies show that children with a chess mind at an early age are better at problem-solving, reading, math, and thinking in general. Playing chess involves a great deal of reasoning when planning moves and their consequences. This helps in the development of the prefrontal cortex, promoting better thinking and making better decisions. The prefrontal cortex is the area of the brain responsible for planning, judgment, and self-control. 

A great advantage of playing chess is that it stimulates the growth of dendrites. Dendrites are the branching processes of nerve cells that help transfer neuronal signals. Their growth increases the speed and quality of neuronal communication, which helps improve the brain’s overall processing, leading to improved cognitive abilities

A chess mind helps not only to develop rational learning but also the most creative part. Moreover, it improves concentration as it is a game in which every move requires attention. Continuous focus on the game, observing each move, planning the next and visualizing involves a great deal of brain processing. The brain is exercised for other everyday situations. 

A study carried out at the Yeshiva University by The Albert Einstein School of Medicine asserts a chess mind is less likely to start deteriorating and even significantly lowering the risk of dementia due to the significant amount of chess data that is being processed through a mental exercise activity. 

Thanks to the advancement of science and technology, instruments are being developed that allow us to study both architecture and the functioning of the human brain, and in our case, it gives us the possibility of knowing the chess brain. Different published studies in the last decade by psychologists and scientific conclude how the brain of a chess player works differently from a non-player. For example, doctoral researchers analyzed how a chess mind shows greater activation of the lower-left area of ​​the parietal lobe, the medial para-hippocampal cortex and the fusiform area.  Other researchers also mention that a chess mind produces a bilateral activation of the cingulum, cerebellum and frontal lobe.   

Chess related investigations are currently studying the benefits that traditional and cross-sectional chess training can bring to children with attention deficit hyperactivity disorder (ADHD).  

The objective that is being pursued is to develop a method in which chess can be used as a therapeutic tool for cognitive and emotional training in children with ADHD, that is to bring kids into chess player mindset, an infants chess mind that may benefit from the game.

A methodology that is being studied takes the game of chess as the protagonist from a double perspective: the traditional game of chess and the use of its components (pieces, board and clock) for therapeutic work. 

In reality, playing chess is a psychological duel that requires stamina, a will to win, tenacity, readiness for combat and a great deal of resilience.  

If you do not play chess regularly, you may want to rethink it after knowing these data. Are you ready for the challenge?

Why Water Could Be Costing You Money Without Knowing

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I think it is a fair assumption at this point of the year to say that most businesses in the UK have had a tough time of it with everything 2020 has thrown at us. Now more than ever, it helps in any way at all to curb costs and keep bills in check. One area that is either overlooked or really not given any thought at all until bills spike up, is the humble water bill.

Let’s be honest. We take water for granted every day in work and at home, and only really notice it when we’re surprised by a burst main nearby which shuts the water off for a few hours. So why is it that most UK businesses don’t pay attention to their water bills and associated costs, in the same manner, they might do with electric, broadband, or pretty much any other basic utility?

Well, there are a good few reasons why, and thanks to the experts at Castle Water, who have become the UK’s most-rated business water retailer on Trustpilot, here are some key points every business should be made aware of when it comes to the cost of your water bills.

Know exactly what you pay for

Do you know to the penny what your water bill pays for? Does your bill break down trade effluent charges or highlight where leakage allowance has been factored in? No one likes looking at bills, but if you take a few minutes to understand everything in your water bill and look back to check for trends or sudden spikes, you can quickly get an idea of whether what you’re paying lines up with what you’re expecting.

If it doesn’t, contact your supplier and ask them to explain your bill in detail. They should be happy to go through everything to clear fees up. If they aren’t, then it may be time to start looking elsewhere.

Always shop around

I’m writing this in the midst of Black Friday fever. It seems like every shop in the country has a sale on promising the best deals around. But you won’t know that unless you actively shop around. You have every right to do so. You can get in touch with different business water suppliers in your area to get an idea of what tariffs they could give your business, and if they can assist with additional water services (if you don’t know about what additional services your current suppliers offers, find out right away).

Even if you get a rough idea of what the prices out there are like, you could get in touch with your supplier and see if they’ll bring your tariffs down to match, as you have the right to go with whoever you like.

Understand the switching process

The big stickler for most businesses, regardless of size, is the assumption that switching water company is going to make things grind to a halt. It happens when you switch broadband provider at home, so it must be the same for water in a business, right?

Well actually not at all. The water market in England, and to a lesser degree the rest of the UK, will always be operated by a local authority and NOT your business water supplier/retailer. They take on the cost of the water and act on your behalf. That means that if you decide you want to switch water supplier, your existing retailer can’t stop the water being shut off or hinder your supply. Any good water retailer will take care of the switch on your behalf to help avoid problems or you getting annoyed with your soon to be old supplier dragging their heels.

Ask your supplier to get a specialist in

One final point. Your business water supplier isn’t always someone just watching the meter. They should be able to provide or recommend water network specialists to come and check your water system from top to bottom. A good specialist will highlight wastage you may not have noticed, recommend internal changes, and pinpoint where wastewater is costing too much.

It’s all about the little steps you can take towards long-term improvements. Think of it less as the pennies looking after the pounds, and more like the droplets looking after the big spills.

Astrazeneca Vaccine Had A Manufacturing Error

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AstraZeneca and the University of Oxford acknowledged a manufacturing error on Wednesday that is raising questions about the preliminary results of its experimental vaccine against COVID-19, which is the one to be packaged in Mexico.

The statement describing the error came days after the company and the university described the injections as “highly effective” and failed to mention why some study participants did not receive the full vaccine dose in the first of the two injections that were applied to them.

Surprisingly, the group of volunteers who received one lower dose appeared to be much better protected than the volunteers who received two full doses.

In the low-dose group, AstraZeneca said, the vaccine appeared to be 90 percent effective . In the group that received two full doses, the vaccine appeared to be 62 percent effective . Combined, the drug manufacturers said the vaccine appeared to be 70 percent effective . But the way in which the company and the university arrived at the results and reported them has led to specific questions from the experts.

The partial results announced Monday come from large ongoing studies in the UK and Brazil designed to determine the optimal vaccine dose, as well as examine safety and efficacy. Multiple combinations and doses were tested in the volunteers. They were compared to others who received a meningitis vaccine or a saline injection.

Do the researchers want to give half a dose?

Before beginning an investigation, scientists detail all the steps they are taking and how they will analyze the results. Any deviation from that protocol can cast doubt on the results.

In a statement issued Wednesday, the University of Oxford said that some of the vials used in the trial did not have the appropriate concentration of vaccine, so some volunteers received half doses. The university said it discussed the problem with regulators and agreed to complete the last stage of the trial with two groups. The manufacturing issue has been corrected, according to the statement.

Experts say the relatively small number of people in the low-dose group makes it difficult to know whether the observed efficacy in the group is real or a statistical quirk. About 2,741 people received a half dose of the vaccine followed by a full dose, AstraZeneca said. A total of 8,895 people received two full doses.

Another factor: none of the people in the low-dose group were over 55 years old. Younger people tend to elicit a stronger immune response than older people, so it could be that the youth of the participants in the low-dose group was the reason it looked more effective, not the size of the dose.

Another point of confusion comes from the decision to pool the results of two groups of participants who received different dosage levels to achieve an average effectiveness of 70 percent, said David Salisbury, associate member of the global health program in the expert group of Chatham House.

“He has taken two studies that used different doses and created a compound that does not represent either dose,” he said of the figure. “I think a lot of people are having a problem with that.”

Why would a smaller first dose be more effective?

The Oxford researchers say they are not sure and are working to find out why.

Sarah Gilbert, one of the Oxford scientists leading the research, said the answer is likely related to providing exactly the right amount of vaccine to trigger the best immune response.

I think it’s the amount of Goldilocks you want, not too little, not too much. Too much could also give you a poor quality response, ”he said. “So you want just the right amount and it’s a bit hit and miss when you’re trying to go fast to get the perfect first time.”

Details of the trial results will be published in medical journals and provided to UK regulators so they can decide whether to authorize distribution of the vaccine.

Those reports will include a detailed breakdown that includes demographic and other information about who got sick in each group, and will provide a more complete picture of how effective the vaccine is.

Moncef Slaoui, who leads America’s coronavirus vaccination program, Operation Warp Speed , said Tuesday in a call with reporters that U.S. officials are trying to determine which immune response the vaccine produced and may decide to modify the AstraZeneca study in the United States to include half doses.

“But we want it to be based on data and science,” he said.

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Mexico Is The Worst Country To Live During The COVID-19

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As COVID-19 has spread around the world, it has challenged preconceptions about which places would best address the worst public health crisis in a generation.

Advanced economies like the United States and the United Kingdom , ranked by various pre-2020 measures as the most prepared for a pandemic, have repeatedly been overwhelmed by cases and face a return to costly shutdowns.

Meanwhile, other countries, including developing nations, have defied expectations, some having nearly eliminated the pathogen within their borders.

Bloomberg analyzed the numbers to determine the best places to be in the coronavirus era – where has the virus been most effectively managed with the least amount of disruption to business and society?

The COVID Resilience Ranking scores savings of more than $ 200 billion on ten key metrics: from virus case growth to overall death rate, testing capabilities, and vaccine supply agreements places have wrought.

The capacity of the local health system, the impact of restrictions related to the coronavirus, such as economic blockades, and the freedom of movement of citizens are also taken into account.

The result is an overall score that is a kind of snapshot of how the pandemic is developing in these 53 places right now.

By rating your access to a coronavirus vaccine, we also provide a window into how the fortunes of these economies may change in the future.

It’s not a final verdict, nor could it be with flaws in the virus data and the accelerating pace of this crisis, which has seen subsequent waves confuse places that handled things right the first time.

Circumstance and sheer luck also play a role, but they are difficult to quantify.

The Ranking will change as countries change their strategies, the climate changes and the race intensifies for a viable vaccine.

Still, the gap that has opened up between economies above and below will likely endure, with potentially long-lasting consequences in the post-COVID world.

Ranking of the countries with the best management of COVID-19:
Country Bloomberg COVID Resilience Score

  1. New Zealand 85.4
  2. Japan 85
  3. Taiwan 82.9
  4. South Korea 82.3
  5. Finland 82
  6. Norway 81.3
  7. Australia 81.2
  8. China 80.6
  9. Denmark 77
  10. Vietnam 74.3
  11. Singapore 74.2
  12. Hong Kong 73.6

13 Canada 73.2

  1. Germany 71.2
  2. Thailand 70.2
  3. Sweden 68.7
  4. United Arab Emirates 67.5
  5. United States 66.5
  6. Indonesia 66.1
  7. Ireland 65.1
  8. Israel 65
  9. Russia 65
  10. Netherlands 64.4
  11. Bangladesh 64.2
  12. Egypt 63.2

26.Switzerland 62.3

  1. Pakistan 61.7
  2. UK 61.5
  3. Malaysia 61.4
  4. Turkey 60.6
  5. Greece 59.9
  6. Saudi Arabia 59.6
  7. Portugal 59.2
  8. India 58.1
  9. South Africa 57.8
  10. Austria 56.3
  11. Brazil 56.2
  12. Chile 55.9
  13. Iraq 54.9
  14. Italy 54.2
  15. Spain 54.2
  16. Nigeria 53.9
  17. Romania 53.6
  18. Poland 52.2
  19. France 51.6
  20. ​​Philippines 48.9
  21. Iran 48.7
  22. Colombia 48.1
  23. Czech Republic 46.8
  24. Belgium 45.6
  25. Peru 41.6
  26. Argentina 41.1
  27. Mexico 37.6

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Better performance
New Zealand tops the rankings as of November 23 thanks to swift and decisive action.

The small island nation began taking action on March 26 before a single COVID-19-related death occurred, closing its borders despite the economy’s heavy reliance on tourism.

At first, Prime Minister Jacinda Ardern’s government said it would aim for the “elimination” of the virus, investing resources in testing, contact tracing and a quarantine, all as a strategy to ‘turn off’ local transmission.

Having largely succeeded, New Zealanders basically live in a world without the disease caused by SARS-COV-2. The nation has seen only a handful of infections in the community in recent months, and live music and large-scale social events are back.

Although its tourism industries are suffering, New Zealand is also well positioned for a vaccine with two supply agreements, including one for the injection developed by Pfizer and BioNTech of Germany.

Second is Japan , which charted a different path. Legal means were lacking to enforce a blockade, but other strengths emerged quickly.

Due to tuberculosis outbreaks in the past , the country has maintained a public health center system with contact markers that were quickly reassigned to treat COVID-19.

High levels of social trust and compliance meant that citizens proactively wore masks and avoided crowded places.

Although you are now seeing a record increase in infections as winter approaches, the nation of more than 120 million people has only 331 severe cases of COVID-19 today; France, with a population half the size, has nearly 5,000 virus patients in intensive care.

Japan’s ability to avoid fatalities despite having the oldest population in the world pushed it higher, as did its foresight by closing four vaccine deals, including the top two candidates that use revolutionary mRNA technology.

The success of Taiwan , which ranks third, is even more remarkable when considering its ties to mainland China, where the virus first appeared last December.

Networks broadcasting troubling news from Wuhan allowed Taiwan to act early to restrict entry into its borders. The island then pioneered a technology-centric approach to rallying its 23 million people to protect itself: launching apps that detail where masks are in stock or list the locations where infected people have been .

More than 200 days have passed without a case of the locally transmitted virus and, as in New Zealand, life has largely returned to normal, although the borders remain closed.

However, Taiwan so far has not signed any bilateral agreements for the most advanced vaccines.

Fast reaction
Many in the ‘top 10’ pioneered and modeled what have emerged as the most effective strategies to fight COVID-19. Border control has been a key element, beginning with China’s original sanitary cordon around Hubei province, which largely protected the rest of the country from infection.

The economy where this crisis began is the largest of the best performing ones , with massive tests implemented at the first sign of new cases and a mandatory 14-day quarantine for travelers.

China’s propensity to impose aggressive lockdowns in regions where medical or tracking resources are scarce is a handicap.

The three Nordic nations in the top ten seats reflect how border control has been used effectively in Europe.

Finland and Norway have blocked entry to most foreigners since mid-March, although they are part of the Schengen area without a passport from Europe.

The top-ranked European nations managed to avoid the resurgence that now engulfs countries like France, Britain and Italy caused in part by summer vacation travel.

Effective testing and tracing is a hallmark of almost all of the top 10, built into the South Korean approach.

The country approved self-made diagnostic kits within weeks of the virus’ outbreak, pioneered test stations, and has an army of ultra-fast contact trackers who review credit card records and camera footage. surveillance to track groups.

Like Japan, Pakistan and other parts of Asia, Korea has built on the recent epidemic experience after suffering an outbreak of the Middle East respiratory syndrome, or MERS, in 2015.

The experience of the 2003 SARS outbreak, which involved a similar coronavirus, helped East and Southeast Asia this time, noted Helen Clark, who was New Zealand’s prime minister at the time.

“They had plans and they knew about contact tracing and isolation and so on,” he said in an interview. “That experience was etched in his memories.”

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COVID-19 has permeated nations in different ways.
COVID-19 has permeated nations in different ways. Bloomberg
The poor performance of some of the world’s most prominent democracies, including the United States, the United Kingdom, and India , in contrast to the success of authoritarian countries such as China and Vietnam , has raised questions about whether democratic societies are prepared to deal with the challenges. pandemics.

The Bloomberg COVID Resilience Ranking tells a different story: Eight of the top 10 are democracies . Success in containing the SARS-COV-2 virus with the least disruption appears to depend less on being able to order people to submit, but on governments generating a high degree of trust and social compliance.

When citizens have faith in the authorities and their guidance, closures may not be necessary at all, as evidenced by Japan, Korea and, to some extent, Sweden . New Zealand emphasized communication from the start, with a four-tier alert system that gave people a clear picture of how and why the government would act as the outbreak evolved.

Investment in public health infrastructure is also important.

Underestimated in many places before 2020, contact tracing systems, effective testing, and health education bolstered the best, helping to socialize handwashing and wearing face masks.

This has been key to avoiding financially crippling lockdowns, said Anthony Fauci , America’s top infectious disease official.

Social cohesion has been an important differentiating factor in this pandemic, noted Alan López, award-winning professor and director of the global burden of disease group at the University of Melbourne.

“If we look at Japanese society, Scandinavian societies, there is very little inequality and a lot of discipline in them,” said López. “That would translate into a more cohesive response from the country and that’s why they are at the top.”

Advantage of the vaccine
The lack of an effective response to the virus by the United States has been one of the most startling developments in the pandemic.

The superpower leads the world in cases and deaths, and its reaction to the crisis has been delayed from the start, from a shortage of medical equipment and supplies, to a lack of coordination in testing and tracing efforts and the politicization of the use of More expensive.

Instead, the administration of outgoing President Donald Trump has focused primarily on treatments and vaccines. Some $ 18 billion was allocated to dose developers to accelerate their work on an initiative known as Operation Warp Speed , even as states asked for financial help to tackle the crisis.

This singular approach propelled the United States up the Bloomberg rankings: The growing burden of cases and the increase in deaths means that it would otherwise be 11 notches lower. The extraordinary efficacy of the experimental mRNA vaccines, which could be licensed for emergency use in the United States starting next month, may mark a turning point there.

While some other places also have agreements with the same number of vaccines, the US has ordered the most doses in the world, more than 2.6 billion , according to potential and finalized supply agreements followed by researchers at Duke Global Health. Innovation Center. Still, monumental challenges remain in vaccine distribution across the country.

“In the case of the US, the only thing they have done well is that they have financed more R&D, not only for companies based in the country, but for companies around the world,” explained Bill Gates at the New Economy Forum. from Bloomberg this month. “That was a good thing. That was a boon to the world. America is at the back of the pack.”

Canada is also bolstered by its focus on vaccines , signing supply agreements with five different injections in the final stages and ensuring sufficient doses for many times its population.

The European Union , which is forging agreements on vaccines as a bloc, has three agreements finalized.

China also scores high on access to vaccines, although its deals are largely with its own local developers, who have provided comparatively less information on the effectiveness of its injections than some Western companies.

In the battle of the superpowers, China has practically eliminated the virus within its borders, but scores lower than the United States on the pre-pandemic universal health coverage indicator , which measures the effectiveness of a health system.

Overall, the COVID Vaccine Access indicator reflects the enduring power of the rich and great nations, even if some have failed to contain the virus.

Smaller developing economies that have struck deals have done so largely by offering to host clinical trials and vaccine manufacturing.

“The big countries have made sure to be first in line, sometimes with extremely comprehensive measures,” Singapore Prime Minister Lee Hsien Loong said this month. “I can understand that political urgency. I think it is a reality that they will get away with it. “

Outliers and surprises
Countries have taken different measures regarding the pandemic.
Countries have taken different measures regarding the pandemic. Bloomberg
Bloomberg’s COVID Resilience Ranking exposes some uncomfortable truths for nations that were once considered the most advanced in the world. As of November 23, major European countries such as the UK and France are in the lower half of the list.

Connectivity has emerged as a curse in the era of the pandemic, with global travel hubs and world cities like London, New York, and Paris becoming epicenters where infections were first seeded by travelers from elsewhere.

Places like Thailand and Singapore that have travel and tourism have seen bigger blows to their economies.

By contrast, developing countries such as Pakistan and Bangladesh have benefited from their relative remoteness. Their populations are also much younger on average, which has helped keep their overall death rates low. Limited evidence and poor quality data obscure the picture in these places, although case and death reporting is happening everywhere.

Western Europe is now in the midst of a fierce wave that has forced governments to impose new blockades. Containment achieved in the spring was undone as restrictions were eased, allowing vacationers to re-seeding the virus.

Belgium has the worst overall death rate of the 53 economies after the virus swept through nursing homes. This position stems from the decision to record all nursing home deaths at the height of the first outbreak as related to COVID-19, even without an official diagnosis through testing.

The UK, Italy and France have seen cases and deaths skyrocket in recent months, and France’s tighter lockdown has pushed it down the Ranking.

France’s positive test rate increased to more than 20 percent in early November from around 1 percent in July. After imposing a new lockdown on October 30, the rate fell below 12 percent as of November 23.

Sweden, which was originally singled out for avoiding lockdowns , now scores relatively high on almost all Bloomberg metrics, ranking 16th overall.

After an initial wave of deaths among older people, that country’s performance on the indicators reflects fewer cases, deaths and fewer disruptions than in other parts of Europe.

A less disruptive approach is more sustainable in the long term, said Hitoshi Oshitani, professor of infectious diseases at Tohoku University and a key architect of such a strategy in Japan.

“I don’t think this virus will disappear in the next few months, and probably in the next few years, so we have to find the best way to live with it,” Oshitani said in an interview.

The poverty trap
While they may have been wrong about the insidious nature of the virus, advanced economies such as the US and Germany have seen their testing ability and that of doctors to prevent COVID-19 deaths improve over time.

These advantages do not exist in Latin America, the region most devastated by the pandemic. It occupies the bottom half of the Ranking, with Mexico in the worst of 53.

The latest positive test rate available in the country is a whopping 62 percent, suggesting that undetected infection is widespread.

Mexican officials have acknowledged that the death toll in the country is likely significantly higher than official data, due to limited evidence.

Brazil, site with the third largest outbreak in the world after India, ranks 37th.

Like Trump, the threat of coronavirus has been repeatedly downplayed in several Latin American nations.

This “arrogant” leadership approach, coupled with the lack of social safety nets and strong public health systems, has worsened the crisis, said Cynthia Arnson, director of the Latin American Program at the Wilson Center for Studies in Washington DC.

Latin America is the most urbanized region in the world and a large part of the population lives in crowded conditions where social distancing is difficult. The high proportion of people who depend on informal work and daily wages means that few are willing to stay at home.

“Large disparities between public and private healthcare have reached the region, as have other forms of inequality, including education,” Arnson stated.

Most Latin American countries will not be able to return to pre-pandemic growth levels until 2023 and per capita income will not recover until 2025, later than anywhere else, noted the International Monetary Fund (IMF).

Although attention has focused on the shock in developed countries, the impact of the pandemic in emerging economies is likely to be longer and more sustained.

In India, decades of social and economic progress have disappeared as children are taken out of school to work, and the discriminatory caste system looms again as jobs become scarce in cities.

The pandemic will widen the gap between rich and poor nations, with up to 150 million people pushed into extreme poverty by the end of next year. This will delay progress in reducing poverty by three years, according to the World Bank.

In places like sub-Saharan Africa, the crisis has a long trail.

“We are seeing that in Africa there are many more deaths from the interruption of primary health care, including vaccination. That has created a greater number of victims than what the coronavirus has actually caused, ”said Bill Gates, who also pointed to the disruption in education as a major setback.

“We need to rebuild in those countries and we need to kick-start innovation. It is, I would say, a setback of at least three or four years for Africa ”.

Whats Next?
Winter, vaccines, virus mutation: the outlook for the pandemic remains uncertain in 2021 and beyond.

Still, after enduring a year of fighting COVID-19, governments and populations now have a better understanding of the pathogen, the best way to slow its spread and mitigate the damage it inflicts.

As the data changes in the coming months, the Bloomberg COVID Resilience Ranking will also change; we will update the image as it evolves.

It may interest you:

It is imminent that vaccination against COVID-19 in Mexico begins in December: Ebrard

Government announces funeral expenses support program for families of those killed by COVID-19

How was the Bloomberg COVID Resilience Ranking designed?

Everyone is fighting the same coronavirus, but almost a year after the pandemic started, the quality of life and control of the spread of the pathogen look vastly different around the world. The COVID Resilience Ranking ranks the 53 largest economies based on their success in containing the virus with the least possible social and economic disruption.

We consider many data sets, indicators and indices produced by organizations around the world and apply three fundamental criteria to narrow the list to the 10 components of our Ranking:

How complete is the data?

Many relevant indexes and databases, for example measures of trust in government, cover only a small number of places. We focus on indicators that cover the vast majority of the 53 economies in the Ranking, filling in the gaps with substitutions where reasonable.

How up to date is the data?

All data sets are lagging, some up to a few years. Due to the pace and transformational impact of the pandemic, we chose to use the most up-to-date data sets where possible, with a maximum delay of one year. Seven of our indicators are updated daily, one is updated quarterly and two are annual figures.

How to Find a Free Car Report by Anatoly Machulsky

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Often times we may need to find a cheap car if we are looking to buy a used car or just want to see what we may be getting in the used car market. A good and quick way to get a lot of data is to get a free car report. Often times dealerships may run specials and give away free reports but they don’t always tell you about them.

There are several places you can get a free report includingking.com, mobile.com and getiny.com. These sites offer lots of data and it can be easy to overlook some of the fine print on the report you get.

However, for instance, reports show you data such as repair shops, the first five mile owners and overall car conditions. In addition to this they offer analysis and commentary from experts and real people on your report.

Many car dealerships may offer free market analysis for the vehicle you are looking at but this data is often only available to those who are considering buying a car and most of the analysis is not always in depth.

The depth of the analysis can vary and sometimes you may get a free car report that has no more than a few questions. Questions like “What are your initial thoughts when you read or hear the vehicle description?” or “What are your initial thoughts when you see the car photos?” or “Are you interested in this car or not?” these are all questions advised by Anatoly Machulsky.

After submitting your request you may have several phone calls or emails from different car dealerships asking similar questions and telling you similar pieces of information about the car you are looking at.

On the phone, most salespeople are trained to ask questions that have answers already in our heads. They are not really listening for what we think or feel but to get our emotional state and commit it to their reports.

This leaves our emotions raw and we make mistakes. We may mis-understand something or miss a step that causes us to miss a step or aspect of the car. They then have the opportunity to use these “oversights” to pressure us into buying.

The internet can help you avoid this because most of the time, these overodies are made by people who are analyzing with emotion and not analysis with facts.

Here is where the internet can come into play explains Anatoly Machulsky. People who are selling cars use search engines to do their homework before putting a car in front of a customer. If a dealer is using these same search engines to get information into front of their potential car buyers, they may be able to find potential buyers researching online reviews of dealerships, searching dealership chat rooms, browsing online used car listings, etc.

Many of these people are already familiar with the vehicle they are selling and may have zeroed in on one that has astrongmaybe utopic past. On top of this, these people have probably brute-forced their way into the car through some method of forced-crossing. They are much likelierto take a closer look at what they areSide-linedusa, too. This can work both ways.

The internet can help put all these issues in perspective. It shows you where you can find the best deals in your make, model, year and even color in addition to how to get the best ones you can for your wants.

In addition to finding the internet, you have to understand how internet-connected you can be. Ever heard of autotrader.com? It’s like Craigslists, but for cars instead of goods. They bring you directly to dealerships and allow you to easily compare prices, deals and terms right from your computer chair.

Hopefully this article presented a scenario of how a free car report might be used by you. It’s not meant to turn you into a carsteel magnate-big, but it is a decision you will hopefully be able to make.

5 Ways to Save on your Fleet Insurance

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Although insurance is a necessary part of business, there are ways to reduce the cost of policies. Whether you’re a business who is looking to insure HGVs, minibuses, taxis, vans or simply company cars, everyone wants to save. Below we break down 5 factors to consider that can cut down the cost of fleet insurance.
Make sure vehicles are stored safely

Another factor that really affects the price of fleet insurance is where the vehicles are stored when not in use. Vehicles properly locked away in secure locations (e.g. garages or company car parks) typically have lower insurance premiums as the risk of criminal damage is much lower. If you don’t have anywhere to safely store the vehicles away from the general public, consider investing in this as it can save you a lot of money in the long run.
Install safety features
The more safety features your vehicles have, the cheaper the insurance premium. Safety features include add-ons such as alarms, immobilisers, vehicle trackers and more. Vehicle trackers are especially useful as not only do they tell you where a stolen vehicle is, they can be used to monitor how well your drivers are operating on the road. Safer drivers lead to cheaper insurance.
Properly vet your drivers
The type of drivers you hire can really affect the price of insurance. Factors such as age and experience are used to determine your premium. Make sure you are hiring drivers with clean licences – no points, no convictions on their personal insurance policies, etc. Enforcing minimum standards for driving on job applications can help you to comb through those who could cause potential issues that would increase your premium.

If you already employ a driver with previous convictions, do NOT hide details of these from your insurance provider. If the driver is in an accident, this can cause complications further down the line and can even mean your insurance provider cannot provide compensation. Further driver training can help to mitigate this issue.
Use cameras

Whether or not you use cameras in vehicles can ultimately change the outcome of a claim – it’s very clear evidence of what happened in an accident. As a result, this can bring your insurance premium down. It’s more about safety than surveillance of your drivers.
Manage risks
Analyse potential risks and areas for improvement – fleet insurance experts can help with this by carrying out a risk assessment. Make employees aware that you will be monitoring how they drive and potentially investing in further training for them if their driving standards are not up to scratch. Regular assessments can help you to continuously review how you can reduce your premiums year on year.
In conclusion…
There are several actions you can put in place to reduce your fleet insurance premiums. Looking into the above points can help you to save money moving forward and put your business in a better financial position. Remember, it is not about cutting corners and underinsuring yourself, but more about saving money!

Are iron infusions safe?

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Iron infusions are a widely administered medical procedure and are given to a broad range of people who may have low iron levels. Increasingly, there is some concern about the safety of these procedures, with occasional media reports gaining attention where things have gone wrong. These are worrying for anyone who has the procedure suggested to them as a treatment for iron deficiency.

Are there potential side effects and can they be long-lasting?

Iron infusions may be a relatively common practice, but they remain little understood. As with any medical procedure they are not without their risk. How high are these risks? Should they make us think twice about having the procedures, and what happens if something goes wrong?

Firstly, let’s take a look at exactly what iron infusions are.

What is an iron infusion?

Iron infusion is a procedure where iron is delivered to the body intravenously and is carried out when there is an urgent need to increase the amount of iron in someone’s body. Iron is one of the principal minerals that are found in the human body. It’s a key component of haemoglobin and a substance that’s vital to red blood cells. They help the blood carry oxygen around the body. Iron is also a key component of enzymes that help to manufacture energy in muscles.

Serious illness can develop if you don’t have enough iron in your body.

How is it administered?

A doctor or healthcare specialist, such as a nurse, will use a needle to insert a small tube (known as a cannula) into the vein. It’s usually inserted into the arm or the hand. The cannula is attached to a long tube, which is attached, in turn, to an IV bag of iron, which has been diluted with saline solution. The solution is then either pumped into the vein or uses gravity to slowly drip down the tube into the vein. The patient will be given the full dose over a specific amount of time, and this could take from anywhere from ten to sixty minutes, and in some circumstances, even longer.

What can lack of iron mean?

As well as low haemoglobin leading to iron deficiency anaemia, low iron levels can have all kinds of impacts. Symptoms can include fatigue, tiredness, and exhaustion. It can create difficulties sleeping, poor thought processing, mind fog and anxiety. It can also impact upon hair thickness, and even create restless legs.

These milder symptoms would not normally be treated by iron infusions. Instead, they’re probably best addressed through dietary changes. A nutritionist would be able to recommend appropriate changes to be made to help increase your body’s natural supply of iron.

Iron infusions help to counteract low iron levels, preventing serious illness and aiding recovery.

When are iron infusions given?

Iron infusions are a relatively common procedure. They’re used when someone isn’t producing enough iron, and as a result they have reduced haemoglobin levels in their system. This can lead to them developing anaemia.

In advanced cases, anaemia can lead to reduced oxygen carrying capacity in the blood. This can cause the sufferer shortness of breath and palpitations, as well as all the milder symptoms of iron deficiency listed above. Sometimes, people struggle with these conditions for many years, with changes in their diet and oral iron supplements failing to address the issue. In that case, a doctor may recommend iron infusions.

There are a numerous reasons why someone may suffer from an iron deficiency:

  • Blood loss – this can have various causes including cancer, ulcers and monthly periods.
  • A diet that doesn’t include enough iron.
  • Medications that reduce the body’s ability to absorb iron, such as aspirin, heparin and coumadin.
  • A body’s increased need for iron, such as during pregnancy, or for someone who is suffering from kidney failure.

Untreated iron deficiency anaemia can lead to a range of problems:

  • It can put you at higher risk of illness and infections, as a lack of iron will have a detrimental impact on your immune system.
  • May increase your risk of developing serious health complications. These could include an abnormally fast heartbeat, or heart failure.
  • It can cause a range of complications before and after birth.

Iron infusions are generally safe

When administered correctly by a trained professional who is following all the necessary safety protocols, the procedure is generally safe. Countless iron infusion procedures are administered every day across the UK with no problems, other than mild side effects.

What are the mild side effects?

Around 10% of iron infusion cases will result in mild side effects. These include:

  • Allergic reactions. These have been shown to affect less than 1 in 100 people and can result in a shortness of breath, a rash similar to a nettle rash, or hives and other itching. Itching skin can become red and flushed.
  • Temporary changes in taste.
  • A headache.
  • Feeling sick or vomiting.
  • Muscle and joint pain.
  • Changes to blood pressure or pulse.
  • Burning sensation and swelling at the infusion site.
  • Irritation of the skin around where the infusion is given.

These are mostly temporary, and while being unpleasant, soon pass. The benefits of the treatment usually outweigh the brief discomfort they cause.

That said, it’s important that these potential side-effects are explained to anyone who is having the treatment.

Are there any potentially serious side effects?

Around 1% of all iron infusion treatments can lead to more serious side-effects. This is not a negligible number, and these potential side effects and the risks involved should be made clear before anyone begins the treatment.

If a patient has not had it made clear that there are potentially serious side-effects in a small number of cases, then they could be able to make a claim for medical negligence.

These more serious side-effects include:

  • Bloating or swelling of the face, arms, hands, lower legs, or feet.
  • Dizziness, faintness, or light-headedness when getting up suddenly from a sitting or lying position.
  • Gastrointestinal pains such as nausea or cramps.
  • Problems with breathing.
  • Skin problems, including rashes.
  • Chest pains.
  • Low blood pressure.
  • Anaphylaxis (a severe allergic reaction that can include difficulty breathing, itching, or a rash that can cover the whole body).

Extravasation injury

As well as bodily reactions to the treatment, intravenous treatment can sometimes carry the risk of extravasation injury. This is when damage is caused to the surrounding tissue to the injection site as the solution leaks from the vessel into neighbouring tissue space.

This can cause immediate pain, and the skin turning orange.  Shortly after, the skin can take on a bruised look. In some cases, patients have been reassured that it is only temporary bruising. However, it can develop into permanent staining and in some cases it can be substantial and cause significant emotional distress.

Medical negligence and iron infusions

The number of medical negligence claims being brought as a result of iron infusion procedures going wrong is on the increase.

Lisa Musgrave, an experienced Medical Negligence solicitor at Mark Reynolds Solicitors recently resolved a case relating to a client who attended hospital for a routine iron infusion. As a result of an extravasation injury, the client was left with permanent staining to their arm. The hospital where the procedure was carried out failed to explain the risks and obtain proper consent from the client. They then failed to undertake the appropriate checks while the procedure was being carried out.

Thanks to the work of Ms Musgrave, the client was seen by both a camouflage make-up expert, and a clinical psychologist. Both these professionals were able to provide a range of strategies to help the client with her ongoing rehabilitation. The ongoing costs of both a lifetime of camouflage make-up and regular psychology appointments was covered by the medical negligence payout the client received. In this case, the settlement amount was £30,000.

Unfortunately, this story is not an isolated one. Failure to exercise due diligence and adhere to the proper protocols on behalf of medical professionals is leading to similar cases, some of which make it into the media.

This, in turn, damages public confidence in the procedure and may result in people who could benefit from an iron infusion being cautious about agreeing to have one.  As well as gaining compensation for the damage and pain caused when a procedure goes wrong, medical negligence claims also prompt health providers to address the issues they raise.

Anyone who has found themself a victim of an iron infusion gone wrong or feels that they weren’t properly made aware of the associated risks, should contact a medical negligence solicitor for confidential advice.

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