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Will the coronavirus crisis finally spell the end of cash payments?

The increased demand for cash in 2020 can be fully attributed to the effect of the coronavirus pandemic. The volume of excess demand was not assessed by the Central Bank. The COVID-19 disease situation has added millions of dollars to cash demand, which is up to a third of revenues for 2020.

The pandemic, first, triggered an increase in the gray economy, an increase in cash payments. Second, people were more inclined to keep more liquidity on hand, and that’s exactly what cash is. Thirdly, there was a general decline of interest rates and deposit rates, which made it less attractive to keep savings on term deposits. Interest rates were falling before 2020, but during the crisis this trend intensified, and it affected the “feeling of profitability. However, I will say right away that if you decide to accept digital payments, American Express Confirm Card is absolutely right for you. First of all, you may find out all the details about the card here https://teuscherfifthavenue.com, and you will find instructions for activating the card and the benefits of using it. Secondly, you will be surprised as soon as you find out how many bonuses you can receive just by paying with this credit card. So, hurry up and read the detailed description of how to receive the card!

Sharp Change

Demand for cash from the population and businesses began to rise sharply in March and April amid the panic in the financial market and the introduction of the first sanitary restrictions due to the pandemic coronavirus. During the same period, banks faced a strong outflow of term deposits. Experts said that the high uncertainty and the initiative of the authorities to introduce the tax on interest income from large deposits influenced the behavior of customers.

By July, the demand for cash had returned to pre-crisis levels, and in November the inflow of banknotes was temporarily replaced with withdrawals. Banks predicted that the trend would intensify in December and cash would begin to return to banks. This did not happen, the end of 2020 was little different from the dynamics of previous years.

What Is the Risk of a Large “Overhang” of Cash?

Inflation accelerated at the end of 2020. The acceleration of inflation led the Ministry of Economic Development to propose the introduction of price regulation for socially important goods. “Canopy” of cash to a lesser extent creates inflation risks and the amount of money in the economy does not greatly increase, just money goes from savings to liquidity, to cash. Inflation in the coming year will not be driven by the growth of cash, but primarily by the dynamics of wages. As long as it remains steady, it doesn’t matter how we spend money – by card or in cash.

Will the Increased Demand for Cash Continue?

The Banks believe that sooner or later cash withdrawn in the pandemic will return to the system. Back in the fall, the Central Bank predicted the process would begin in late 2020; subsequent reviews by the regulator shifted the horizon to 2021.

In 2021, a reduction in cash in circulation is possible if the pandemic is suppressed relatively quickly. In 2021, I don’t see as important factors as in 2020 that would raise the demand for cash even more than it is now. The population and businesses will spend the excess cash that arose earlier. The other question is whether that cash overhang will go away [completely]. According to my expectations, more likely not.

A lot in 2021 will depend on what fiscal policy will be. A conservative approach aimed at curbing spending will result in no additional inflows through this channel that could go into cash. In 2021, we’ll probably still be in a mode of increased cash in the economy; I don’t expect a reduction in cash. But growth will gradually return to pre-crisis rates.

What Consequences Could Arise in The Global Economy Because Of COVID-19:

Reduced Economic Forecasts

Due to the pandemic, major banks and other financial institutions have lowered their forecasts for global economic growth. For example, GDP growth in China is believed to be 4.9%. This is 5.7 percentage points lower than the expectations of the previous year. The global economy is forecast to grow by 2.4% in 2020, down from 2.9% the year before.

Decline in Manufacturing Activity

China’s manufacturing sector was hit hard by the coronavirus. Manufacturing activity dropped to a record low of 40.3 (a figure below 50 indicates a contraction). Vietnam, Singapore and South Korea were similarly negatively affected by the pandemic.

Shrinking Service Sector

Because of the pandemic, people’s incomes decreased and some citizens lost their jobs altogether. Retail trade, aviation, and the restaurant business were negatively affected. The service sector was affected in most countries, including Russia and the United States.

The Decline in The Value of Oil

The decline in manufacturing activity could not help but affect the demand for oil. Demand declined and, accordingly, oil prices fell as well. The OPEC+ countries were unable to agree on a new agreement on production of this mineral, the price decline began before the pandemic and in the process the value became negative.

Problems in The Stock Market

The risks and fears associated with the coronavirus have negatively impacted investor sentiment, causing a sharp decline in stock prices in major markets.

The pandemic could also affect stock markets in three ways:

  • a decline in business activity;
  • lower activity in local markets;
  • stress in financial markets.

Reduced Bond Yields

Fears over the spread of the virus have reduced bond yields. Treasuries in the U.S. are considered safe assets that investors prefer in times of volatility and uncertainty. In America, bond yields have fallen to less than 1% in seven days. That hasn’t happened before. The yield on 10-year securities reached 0.3%.

Thus, outside of China, the current crisis has not yet forced most countries to disinfect, destroy, and reprint cash. But Covid-19 could become a once-in-a-century pandemic. Bill Gates warned of this recently. Centennial solutions are needed to deal with a once-in-a-century pathogen. And there’s already an obvious starting point: accelerate the inevitable transition to digital payments. What’s more, as I mentioned earlier, you can take advantage of all the card benefits this site has to offer. Only here https://www.americanexpress.com/ you will find instructions on how to activate the card and all the answers to your questions.

Helping Others Can Help You Cope with Lockdown

Almost 2 years ago, the coronavirus pandemic came to our world and was one of the strongest tests in decades. Fear of the unknown disease during the first wave was replaced by fear of the morbidity and mortality statistics in the second wave, and ahead, according to various estimates, another year or two years of epidemics until COVID-19 becomes a regular disease like the flu. How to stop being afraid, where to look for resources to keep from going crazy in isolation, and what the pandemic has yet to teach us we will discuss today. I will also talk about why it is so important to help others to get through this difficult time.

The Current Situation

Now there is already a feeling that we have begun to adapt to what is happening, to perceive many things more calmly. There is less anxiety associated with the uncertainty of the situation. We can’t say that it has completely disappeared – it won’t, because the disease is present, people are getting sick, the figures show up to 30,000 daily diagnoses, and the disease is complicated. At the same time, we have begun to perceive the covid and what is associated with it as part of reality with which we must learn to somehow be and somehow cope.

Objective information plays an important role here: what research there is on the subject, how understanding of the causes of the disease, how to treat it, recovery processes, and so on, is progressing. There are those who have had the disease, and they tell their stories and share their real experiences. This is also important.

The scariest fear is the unnamed one. It’s as if the fear got its name, and it may not be completely clear exactly how to defeat the virus, but at least an idea is being formed – it’s not something big and global that’s bound to kill us all. It’s just a complex, difficult problem to solve.

Does the Attitude Toward the Situation Change?

I can say for sure that attitudes can change either one way or the other. For example, a person first took the position “this is all bullshit, someone wants to make a profit selling masks and antiseptics, there is no covid, we will get over the disease, and it won’t be noticeable,” and then got sick himself, found himself in the “red zone” and from there wrote: “Guys, this is really scary, this is not the flu, I feel worse” – this is one way.

On the other side – a person panicked, scared straight, but at the same time sick some of his relatives. Here two things happen. First – if I am responsible for this person, I do not have time to panic, I start taking care of the other person. After I realize that I have taken care of him, and he has gone through everything in front of my eyes, there is no reason to panic further. I understand that this is something I can live with. It is not easy, but I understand that it will not kill or destroy me. Then the person calms down and says, “Yes, this is the objective reality of our life, it’s hard, it’s not easy, but I can handle it. Attitude ultimately depends on the experience we have.

It can happen, it has a psychological basis. When a person is under stress for a long time and still cannot cope with it, then a huge amount of energy is spent, and the normal psyche “pulls the stop-cock”. The resources to be angry, to be afraid, to struggle run out. If I could not cope with panic, the psyche starts to take care of me, and I start to sink into a state of apathy, disconnecting from the ability to react violently to external stimuli.

Why Is It Important to Help Others?

Every person at least once in his life finds himself in a difficult situation, when his own strength is not enough to cope with the trials. In this case a person desperately needs support and help, no matter whether from close friends or strangers. Any person must understand this and help those who find themselves in a critical situation, because one day they will need help as well. A person who learns of another person’s problems becomes faced with a moral choice: help him, sacrificing his own strength, time, money or other expenses, or leave him to cope with his problems alone. One who decides to help a person chooses the right path-the path of morality. Helping others makes them happy, increases the amount of good in the world, and improves one’s own mood.

Recent events have shown once again how important it is for people to be able to act together. The pandemic, which took the whole world by surprise, was a situation in which many things, both good and bad, escalated. Many people have taken it upon themselves privately to bring food to elderly neighbors. Notices appeared in social networking groups and on porches offering help. Video of baskets on a rope, in which people trapped in self-isolation picked up food brought by others, went viral on all messengers and social networks. Charities were working hard to help those in need.

Real help is not necessarily a lot of hype or exorbitant self-sacrifice. It is precisely our large number of people who can make a small contribution bring a tangible result.

That’s It!

Based on all of the above, we can conclude that when one is faced with the moral choice of helping or not helping another person, one should always strive to help other people, whether one knows them or not, regardless of the social status of the person who needs help.

Top Healthcare SEO Companies That Support NHS

Marketers have a plethora of tools to engage with their prospects in today’s internet-driven environment. However, healthcare business marketers are in a different situation. They have to deal with both NHS regulations and a complicated market system. But, the good news is that working with healthcare SEO companies that support the NHS help to follow the protocols. Likewise, they also assist in facilitating effective digital marketing.

The potential for healthcare providers to use SEO to raise awareness of their services is enormous. Therefore, finding healthcare SEO professionals and a content agency in NYC who support and follow the NHS is critical if you want to succeed in the digital arena.

Why it’s Important to Have SEO Company with Same Vision

Finding an SEO firm that is compliant with and supports the NHS has always been a challenge in healthcare marketing. Business owners who are running healthcare facilities must be aware of their digital marketing and SEO objectives. They should explore multiple healthcare SEO companies. Also, they should choose the one that aligns with their vision as well as fits in their business budget.

Investing in SEO is critical for business growth. For instance, you will need an SEO expert if you want to improve your rating in search engine results pages, increase website traffic, or boost local SEO.

A business can enhance its website’s exposure, and target web visitors for specific Google searches with the correct healthcare SEO services. That is to say, an SEO firm must be compatible with your company’s vision. As a result, it will assure cost-effectiveness, deliver measurable results, and, most crucially, tailor the digital marketing strategies.

Lasting Trend

Lasting Trend is an independent NYC SEO company dedicated to creating and implementing successful digital marketing strategies for healthcare firms. They are goal-oriented and employ cost-effective marketing technologies. Besides, their clients have seen tremendous sales growth in just a few months. Their average hourly rate is $100 – $149 / hr.

Lasting Trend creates a unique content approach to attract qualified visitors for healthcare businesses. Additionally, they offer link-building services as well as outreach to webmasters in order to increase referral traffic. Their technical SEO and web design services are dedicated to catering to the needs of the healthcare industry.

Fruition

Fruition is the perfect medical SEO expert company skilled in fulfilling the needs of complex healthcare SEO services and targets. Their services in medical enterprise website development, multi-channel growth SEO strategy building, and execution assist healthcare companies to stay ahead of their allies.

Further, their PPC, AdWords management, and other technical solutions contribute to a higher ROI. Fruition excels at working with healthcare firms that require a strong website hosting and security service provider. Thanks to their exclusive in-house software. They charge around $100 – $149 / hr on average.

Mad Fish Digital

Mad Fish Digital is ahealthcare seo agencywith a proven track record of providing healthcare organizations. In other words, they believe in their value-driven digital marketing experiences. To improve a company’s online presence, they provide paid media and digital advertising services.

Moreover, they collaborate with healthcare agencies to implement digital marketing efforts. Mad Fish Digital provides evaluations and consulting services with apt direction and analysis. Certainly, they back it up with all necessary high-quality resources to ramp up the success rates of SEO efforts. Mad Fish Digital charges on an average $150 – $199 / hr for their services.

Straight North

Straight North is a full-service healthcare search engine marketing agency that helps healthcare organizations customize the ideal mix of online marketing tactics. They provide website design and pay-per-click management services meant specifically to generate qualified sales leads for a healthcare firm. Their average charges are in the range of $100 – $149 / hr.

Straight North is one of those healthcare SEO companiesthat offer cutting-edge solutions to healthcare businesses. Yet, their in-house lead tracking technology produces, validates, and reports real-time online sales leads. Also, they have developed the most advanced display advertising and email marketing services to bring in more business.

Coalition Technologies

Coalition Technologies’ digital marketing and SEO services help healthcare-related businesses to expand their digital presence. For instance, their diversified SEO services include Lead Gen SEO, local SEO, and Amazon SEO, among others. They offer paid advertising services for Facebook, Google, and Instagram Ads.

Coalition designs and develops websites for healthcare firms depending on their client’s website goal. What’s more? Their reputation management and email marketing services are based on scientifically proven methods and hard facts. They have advanced and AI-powered systems to deliver the highest quality work. They charge $50 – $99 / hr on average for their services.

Digital Third Coast

Digital Third Coast specializes in search engine optimization and paid media, such as paid search and paid social. They use data journalism and digital PR to create an effective healthcare SEO campaign. They provide technical and creative expertise to advertise their client’s services across a range of digital channels. Their charges are $150 – $199 / hr on average.

Their content marketing services cover everything from data-driven mass appeal content to captivating ad copy. Likewise, Digital Third Coast combines organic search knowledge with content strategy to produce dramatic results. Their brand stands out by building authority through earned media, bringing their client to the top search results.

HigherVisibility

HigherVisibility is a full-service healthcare digital marketing firm dedicated to delivering a favorable return on investment for its clients. Furthermore, conversion optimization and penalty recovery are two of their standout offerings. Through SEO auditing and franchise SEO services, they have assisted clients in achieving a substantial increase in website traffic.

The social media management and PPC management services offered by HigherVisibility have generated immediate sales and targeted leads for their clients. Their average hourly rate is in the range of $100 – $149 / hr.

Pearl Lemon

Pearl Lemon implements well-thought-out healthcare SEO methods that are tailored to each client’s specific needs. Comparatively, clients who have used their content creation, PPC, and other lead-generating services have always looked forward to doubling their client’s website’s organic traffic quickly. They charge $50 – $99 / hr on average for their online marketing services.

Pearl Lemon’s CMS SEO services are backed by in-depth analysis, data, and insights. Not to mention, they use comprehensive suites of various SEO tools like SEMRush, AHREFS to help their clients achieve the desired digital marketing results.

Accelerate Agency

Accelerate Agency is known for its 360-degree approach, which combines human experience, data, and machine intelligence. Similarly, through the strategic use of the content, large-scale outreach, and link building, they assist healthcare agencies and other medical firms in improving their search engine results.

The target audience is at the center of Accelerate Agency’s content marketing and SEO plans. To illustrate, their SEO solutions assist their clients in improving their online presence, traffic, quality leads, and conversion rates. They charge $150 – $199 / hr on average.

Momentum

Momentum assists healthcare businesses in establishing an online presence and growing website traffic. They help businesses in improving their search engine rankings through Lead Generation and SEO. Together with this, their search engine optimized web design services are geared toward assisting healthcare companies in acquiring more clients.

Momentum plans devices and runs social media marketing and paid advertising campaigns as per the clients’ requirements. They charge $100 – $149 / hr on average for their services.

Directive

Directive offers paid media, organic SEO, and digital business intelligence services to healthcare businesses. Their conversational and content marketing solutions are designed to match individual client’s business models.

Their conversion rate optimization and PPC management services add value to their clients’ business funnels by bringing in new users. Accordingly, they establish authority, brand awareness, and demand by connecting the client’s business with their online audience. They charge $150 – $199 / hr on average for their SEO and other digital marketing services.

How Video Games Helped Get Some People Through Lockdown

Lockdown was a hard time for everyone, so much so that no one really sees why they should go back at all. But, do you remember what helped to get us through lockdown? Entertainment, particularly games.

A lot of people flocked to playing games, from the hard-core gamers to the casual ones. Everyone who had a computer or a tablet would download a game and get to playing. This would help pass the time, but it did more than that.

More Than A Game

While there are many games where you could be playing something solo. There were also plenty of games that had multiplayer. Such as the shoot ‘em ups, and even the popular “Among Us” game. These let you talk and hear other players even if they spoke rubbish at the time. Or even if you just chatted through text with them. You interacted with another human being when you (and everyone) were told that it would be dangerous, due to the virus. Well, it was through a screen but still, we count it.

You see, gaming with other people helped make others feel less lonely. Even if you had gamed with strangers, they are still people. This could have decreased your sense of isolation even if it was for a short time. But, that short time is all you needed for a little, pick me up, a boost. Much like winning at the best online casinos, there is a sense of joy from having interacted with people through the screen. It is better than nothing.

It Reduced Stress

Not only does interacting with other players make us feel less alone but this could have decreased stress levels. Furthermore, the actual game itself was a form of escapism. We mean games have always been such, but last year was the time when it truly felt as such for a lot of people. And decreasing stress is needed and useful because stress can snowball into other issues such as depression, and anxiety

Escapism is one of the best ways to decrease stress and anxiety. That is why streaming services, YouTube, games, etc went up during lockdown because everyone was looking for an escape. More last year than ever before, or at least in a long while.

Even if some people did not understand why they were flocking to it, escapism could be the main draw. Or boredom as well, which was also strong when you could not leave your house. Anyway, games are a great tool for escapism. With gaming, you are the lead character and you are taking an active role in the game. You control what you do but you also react to what is going on in the game. It can keep you focused, solving puzzles can improve your mental capacity, etc. Plus, having a hobby is a great skill to gain, regardless of what kind of skill it is.

There are plenty of great things about playing games during the lockdown. Plus, they were (and are) fun. And fun was needed last year to get all of us through. Even paying for loot boxes did not feel that bad or going for a bonus without deposits for Poles players if that was more your thing. Either way, gaming and all forms of entertainment helped get a lot of us through an uncertain time that was 2020.

Gaming was and is great to help some people overcome the strangeness that is and was happening in the world at the time. It gave many people something to do. As well as goals to achieve, as is the nature of games.

Therefore, we can say that games can have a positive impact in terms of mental and physical health. Well, for many people. However, if you are going through a tough time then you should go to a professional for help. Games are a distraction, not a cure-all. They are for fun, to escape, chat with people, and have fun.

How Covid Affected Mental Health

2020 was known as being a terrible year for the whole world due to the COvid-19 virus doing its rounds and forcing all of us to be locked inside. This not only affected some of our jobs, our social lives, but it also took a hit to our mental health. So much so that it has been estimated that anxiety and depression went up by over 40 percent. And the effects of the chaos surrounding the virus during and after lockdown can still be felt today. So, how can we cope? What can we do? Well, let’s find out.

Are People Stressed Still? And How Can You Tell

Stress can lead to anxiety which can make its way to depression. Therefore, telling if someone is stressed is the first step in helping them. Stress occurs when the body reacts to something that is not suited to it, something that is bad or unpleasant. Anxiety is the reaction to stress. Therefore, when something bad happens people are already hit by two unwanted, yet powerful emotions. Many people, almost everyone, felt stressed, and anxious last year and some still have traces of it to this day.

The way to tell if someone is stressed is by noticing how they act. Is there a different appetite? Are they eating too much or too little? Do they seem tired a lot like their energy bar has evaporated? Have they lost interest in their passion and interests? Does it seem as if they lose focus quickly and their decision-making skills are gone? There is a strong chance that they are stressed, or heading down to depression. Another indication for stress is that sleeping is all over the place. This is due to nightmares, or sleep schedules that do not make sense.

Another fairly clear sign is over-consumption of either alcohol or cigarettes. Anxiety and stress can lead to many issues such as the above symptoms. As well as side effects like skin rashes, headaches, stomach pains, and other parts of the body being in pain. If you are feeling this, or you noticed a change in yourself, then you should speak to a professional. If you suspect that your friend has these signs then you may want to plant the idea that they seek help.

Coping

One of the most important things that you and anyone else can do to cope with these feelings of stress and anxiety is to relax. While this can be easier said than done, it is true. And, there are ways to achieve relaxation. Such as cutting down your news watching time. The news is still reporting Covid-19 cases and this can drag the energy out of you, replacing it with tension. It is good to be informed but not all the time. Therefore, taking a break can be great for your mental health. And this also includes taking a short break from social media, certainly if your friends are talking about Covid regularly. Stretching and deep breaths in the form of meditation can also help add relaxation to your and other lives.

Another important aspect of coping is to eat healthily. This means to have well-balanced meals as well as exercise. Plus, avoiding alcohol and cigarettes, or cutting down, can also help out a lot. And sleeping is also a great way to relax.

You can also do something that you enjoy to escape the world. Plus, checking in on friends is also beneficial to you as well as them. With the internet, one is able to reach out and chat with friends from all around the world. This means that you can show them that you care. You can use chat, voice chat, and even video. Your topics of discussion can be rubbish, the past, or worries about the future.

The above points should help you and those around you cope with anxiety and stress to decrease depression. However, the best thing you can do is to talk to a professional. Asking for help is always good.

5 Tips to Max Out Employees Health Care Benefits

Every firm wants to maximize its output and for that motivation and health care of employees are a must. Every employee must be provided with adequate health care insurance to keep them healthy and encouraging in their work. These fringe benefits to employees play a key role in the development and growth of a business. And if you provide the best health care insurance to your employees, you are doing it great. But wait! If you think that your employees are not yet satisfied and face issues regarding health then here are 5 recommendations to help workers maximize health care benefits.

Every firm or business seeks a healthy environment with productive, enthusiastic, and satisfied workers, moreover, they also go for a good name of their market business, a good company has positive goodwill. Here are tips for making the most out of health benefits.

Explain health insurance to employees

Sometimes, the employers add terminology or wording, which is not understood by their employees, thus they are left with only a general view or insurance. As an employer, you need to explain the terminologies to, if there’s any supporting material, do explain its use too, and then see the change. Secondly, make them aware of how to claim their insurance. Teach them how to use health equipment, how to react after an accident, and how to claim medical care.

Health care literacy is important

Most of the workers don’t know about their insurance and how health is important. Workers lack the proper education about health, current health issues, and their solutions. What you can do is to make your employees learn about current health care problems, their solutions and how it’s significant in their life.

Analyze your employees’ health data

Check on your employees’ health data, do a proper analysis of it and take proper actions. If there’s a serious matter, you can contact the employee(s) and advice him to take proper measures. In this way you can inspect employees and ensure their good health, this way they’ll feel more motivated and work more productively.

Significance of healthy environment

When you let your workers know the real significance of a healthy environment and its importance, benefits to them, their lives, families, and organization, they will consider their health care insurance serious and might get a cure.

Understand the Value of Offering Health Benefits

When you consider offering health benefits to employees, you are not just investing in health workers but also into your organization, as it would result in low absenteeism, healthy workers mean more productivity, quality work, and less interference between production operations. This means a great push to your businesses.

Make Virtual Care a Priority

Create an environment in which it is easy for workers to access their healthcare takers through their smartphones, tablets, and Pc. In these COVID days, it’s popular to have a virtual care environment, where it’s easy for workers to get proper health care.

Pre-Tax Benefits for Employees

You can choose to offer your employees a program in which you both could get the advantage of tax. You could save your tax money and use it on other things. Sometimes employees are also spared from income tax.

Make Your Medical Information Work for you

When signing up for a medical insurance or care provider know that the worker and provider are having all the required information about which claims they can bring up and other options. The relation between worker and their health care provider must be secret and secure.

Employers Hold the Key to Financial Well-Being

Employers can train and teach workers about financial stress, specifically in these COVID days. They can help workers to cope up with their situations, talk to them, look after them and provide essential care to them.

Offer Clinical Care Management For Chronic Illness

Teach your workers about how to manage chronic diseases like diabetes, blood pressure, and more. You can make your employees aware of how to take care of these diseases and how to react if they fail to care or get into an accident. This can be done in a seminar conducted by professional health care providers.

Many thousands of rallies against coronavirus measures were held in London and Ottawa

The capitals of Great Britain and Canada hosted thousands of rallies of opponents of the restrictions imposed by the governments of countries related to the spread of coronavirus infection.

On August 29, about 10 thousand people took part in the rally on Trafalgar Square. Demonstrators called for “an end to government lies” and the restoration of all freedoms, and chanted slogans that the virus is a lie.

British conspiracy analyst, former soccer player and sports commentator David Ike spoke at the action. He called on the police to “stop serving psychopaths” and join the protesters.

Opponents of the fight against COVID-19 at the rally was supported by the brother of former Labour leader Pierce Korby. He was detained during the rally, which is the third time he has been detained in the last few months.

Another action of supporters of the lifting of restrictions was held last Saturday, August 29, in Ottawa. The Canadian TV channel CBS News reports that protesters went out to the parliament building; there were several hundred of them. There were no detentions at the rally.

The largest similar action took place in Berlin. Participants of the action tried to break through to the Reichstag, as a result of which the action grew into clashes with the police, and soon it was dispersed. Senator for Internal Affairs of Berlin Andreas Geisel said that about 300 people were detained during the protest action.

British Health Care System – “Half a Century on Quard”

At the end of the Second World War, the British government began a global reform of social security according to the developed program with the impressive name “Cradlé to grave” – “From diaper to grave”.

One of the results of this project was the creation of a public medical care system called the National Health Service, or NHS. Since then, this abbreviation has gained worldwide fame and is considered synonymous with the highest quality in the provision of medical services in most English-speaking countries. The half-century history of the NHS is better than any other argument, confirming the stable effectiveness of this government structure, and yet many experts in public health predict the emergence of serious financial and organizational problems in the British health system before 2010.

History of occurrence

The idea of socialization of health care was that Great Britain, which during the war years was able to realize almost full employment of the population and spend huge amounts of money on the army, in peacetime could well direct such social solidarity and financial resources to the well-being of citizens. However, after the development of the legal grounds for reforming the medical care system, the United Kingdom’s Ministry of Health faced an unexpected problem – not only did the doctors not support the innovations, but they also offered organized resistance. Aneurin Bevan, who was then Minister of Health, had a difficult task to perform – to lure medical personnel to their side, because without the support of medical institutions, the plan would be doomed.

According to historians, Mr. Bevan was a cunning politician and managed to split the political opposition and get the support of leading medical luminaries, promising all scientific consultants an impressive financial reward. Money and power did their part, and already on July 5, 1948 the founder of modern British medicine officially proclaimed the introduction of the National Health Service with the following words: “Now we have become an ideological example for the whole world.

Until then, millions of citizens of the United Kingdom could not afford the services of mostly private hospitals and actually had no medical support. Today, every Briton has access to high quality healthcare services that are funded through progressive taxation, that is, everyone pays according to their abilities and as a patient receives services accordingly. Interestingly, even now the British Labour Party still considers the establishment of the NHS to be its most outstanding achievement.

Thus, the British NHS has become the first government organization in the world to provide universal free health care services. In today’s environment, the work of the time-tested system still remains successful, but its stability is a cause for concern for many analysts. Globalization and increasing cost of medicine has led to serious structural problems, primarily the need to wait even for some urgent interventions. In European scientific periodicals, there are increasing reports of declining treatment standards in some hospitals in the United Kingdom. In addition, many high-income Britons prefer public private insurance, and an increasing number of employers are providing commercial insurance to employees.

The structure of the medical service

However, existing shortcomings are more than compensated for by the internationally recognized high quality of assistance and absolute accessibility to the entire population, which is ensured by the dynamic response of British law to changes in society. The well-thought-out structure of the United Kingdom’s health care system, with the Health Department at its heart, plays an important role in this process. It is this government body that creates and centrally oversees the implementation of laws and regulations in the medical industry, and the main decisions at the local level are made by local NHS units. There is also a third type of government body, which serves as a link between the two levels of health organization mentioned above – Strategic Health Authorities. Today, for example, there are 28 such structures, which are responsible for certain regions and ensure integration of national priority developments, such as early cancer detection programs, into local health care plans.

The United Kingdom has adopted a division of primary and secondary health care services to distribute a wide variety of services. Both groups of services are provided by their respective local NHS units, the so-called NHS trusts, which report directly to the regional strategic health departments.

Primary health care provides routine medical care in general practitioners’ offices, outpatient surgery departments, dental and ophthalmology rooms. Specialized medical services in hospitals, outpatient clinics, as well as the work of psychologists and psychiatrists are considered secondary.
Depending on the field of activity, all health care systems are divided into several groups, the main of which are primary care and public health organizations. At the end of 2006, the number of these organizations was reduced from 303 to 152, which according to the government’s plan is to improve management efficiency and reduce costs. Primary care trusts are responsible for 29 thousand general practitioners and 18 thousand public dentists; they finance clinics under the jurisdiction of other trusts; provide emergency care to patients referred from other government agencies and private sector; directly organize primary and secondary prevention activities, as well as monitor the local epidemiologist. These local organizations together form the core of the NHS and spend 80% of the total health care budget. It is also noteworthy that the Department of Health provides primary healthcare institutions with the right to use outsource tactics, i.e. to use the services of private healthcare institutions to better allocate resources. This approach is very effective in cases where the required intervention is an emergency, and in all available public health clinics there is limited capacity to implement it for one reason or another. Some of the medical centers that perform routine outpatient surgery and diagnostic procedures in industries where waiting lists are very large, such as ophthalmology, are also privately owned.

Most other organizations that are not part of the primary health care system are usually referred to as NHS without specifying specific functions, although for the purposes of this publication this is necessary to further set out the principles of UK health care.

The NHS manages most hospitals and is responsible for specialized medical care, particularly mental health care. The role of these organizations is to ensure high quality of services and rational use of budget funds. If it is necessary to reduce waiting lists, it is also provided to appeal to private structures. trusts NHS are employers of most of the personnel of the health care system, from doctors to security service.

  • Emergency hospitals (astste trusts) ensure the functioning of institutions providing short term medical care; this group includes emergency hospitals, maternity hospitals, X-ray diagnostic laboratories.
  • Assets (saga trusts) work simultaneously in the health and social sectors, which is necessary when implementing programs that involve close cooperation between the NHS and the municipal government.
  • Mental health trusts organize and monitor psychological treatment, medical support and training for patients with serious mental health problems.
  • Ambulance trusts. In England, for example, there are more than 30 ambulance stations, and each of them is managed by a separate trust, responsible for transporting patients to the proper medical facility.

It is noteworthy that the trusts, leading in the national ranking of efficiency, have the opportunity to get out of control of the NHS and become an independent organization. This, in turn, means autonomy for all member hospitals of this trust. Although hospitals that have been granted this right officially remain part of the NHS, and patients continue to receive treatment free of charge, independent trusts have greater freedom in managing resources with minimal government control. Legally, the clinics belong to the local community, that is, all residents – staff and patients at the same time. This type of ownership allows local health care options to be shaped according to needs and priorities that are not always aligned with national strategies. Obviously, it is much easier for the municipal government to solve such problems as, say, queues for a specialist consultation on endemic disease.

Individuals also have greater access to investment funds from both the public and private sectors. On the other hand, since the NHS no longer controls the system so closely, there is a need to establish a monitoring committee, which usually consists of local government representatives whose work is already controlled by an independent institution.

Private medicine

As the world practice shows, no matter how perfect the state network of treatment and preventive care institutions is, there will still be a demand for medical services provided by commercial entities. The reasons for this may be a higher level of service, the possibility to see a doctor without having to wait in line.

Private health care sector in the UK is much smaller than the NHS and does not have such a variety of facilities. On the other hand, all available private medical services are a mirror image of public outpatient clinics, clinics, specialists’ offices, but without necessarily complying with national clinical guidelines and strategic plans of the Department of Health. Therefore, commercial entities are not responsible for the health of the local population. In addition to all the above mentioned non-state forms of medical care to the population, private practices of general practitioners working in parallel with the NHS are quite widespread. Non-governmental medical insurance is becoming increasingly popular in the United Kingdom, and many types of policies have been developed for all population groups. Many employers introduce commercial insurances as part of a social package or offer them as part of their salaries.

Secondary health care in the private sector, which involves staying in specialized departments, providing psychiatric care and elderly care, is very popular among patients. Even with their GP at the NHS, the British often turn to commercial services for the following services:

  • certain diagnostic manipulations;
  • additional advice from another specialist;
  • certain types of surgical procedures;
  • medical manipulations not directly related to treatment, cosmetic surgery;
  • addiction treatment or rehabilitation.

There are over 300 private hospitals in the United Kingdom. Most of them are organized by business structures, but the NHS also provides patients with treatment in private wards of public hospitals. All private clinics must be licensed by the local branch of the national health system and undergo at least two reviews per year. Thus, commercial hospitals are certified and inspected by local authorities, in contrast to NHS hospitals, where national inspectors monitor them.

Normalization and monitoring in health care

Several organizations are involved in ensuring the high quality of medical services provided to the population. Nevertheless, all these special health care structures mainly focus their work on the most important aspects of the industry – clinical recommendations made separately for all types of pathological conditions and patient safety.

In England and Wales, the National Institute for Clinical Excellence-NICE develops and publishes clinical guidelines. These documents address specific diseases, medicines, medical devices, and technologies for managing and treating certain pathological conditions. All NHS hospitals must take the recommendations into account and base their internal algorithms on them. As mentioned above, private clinics are not required to follow such guidelines, but many commercial institutions nevertheless endorse them as internal “best practice” standards. It is unlikely that an argument can be found that would characterize more accurately the professionalism of NICE staff. In addition to creating clinical guidelines, NICE also educates the public and advises health professionals.

The Health Commission oversees the proper implementation of all necessary recommendations in practice. It is the Commission that evaluates and publishes NHS performance indicators. According to the ratings created, the ability to function autonomously, i.e. to acquire independent status, is analyzed. Despite the obvious difficulty of conducting such an assessment, the initial result is striking in its accessibility. In England, all NHS organizations in the official rating list are rated on a scale from zero to three stars, depending on the following indicators:

  • waiting times and waiting lists;
  • number of cancelled interventions;
  • hospital cleanliness;
  • lethality;
  • financial situation;
  • number of repeated calls to the ambulance service.

Collection and rational use of information on the undesirable consequences of treatment can improve safety standards in NHS facilities. These functions are performed by the National Patient Safety Agency, which distributes information to the staff on the need to report on unwanted effects of treatment and other dangerous events for patients. Patients’ complaints are also handled by a separate service, which evaluates staff actions not only in public but also in private institutions. It should be noted that such work is carried out independently of the NHS and the government. In the case where a serious professional misconduct by a doctor is proven, his case is referred to the General Medical Council, which has the authority to impose the necessary sanctions on the staff of private and public hospitals.

Medical Personnel

What distinguishes NHS from other public health systems is that the NHS not only directly covers the cost of health services, but also hires a huge number of doctors and nurses who provide these services. Almost all senior and nursing staff working at the clinic are NHS employees. On the other hand, general practitioners, dentists and ophthalmologists have their own offices or offices and fulfill government orders. All these specialists have the right to work separately or together, to be the owners of surgical or therapeutic clinics, and to hire staff, including other doctors. However, the NHS sometimes still has to centrally provide medical staff to certain regions if there are not enough individual practitioners.

According to many reputable sources, the total number of NHS employees is more than one million, which gives the organization a place in the top five largest employers in the world, together with the U.S. Department of Defense, the Chinese Army, and the Indian Railway. However, this number of employees is also achieved due to the fact that the NHS includes many social services in the UK.

As for wages, then, according to the Air Force, in 2005-2006, the average salary of a general practitioner was about 100 thousand pounds a year – a sum that, when converted into hryvnia comes close to six zeroes. Such income does not leave indifferent doctors from many European countries and practically excludes personnel shortage even in the most remote or sparsely populated geographic regions.

Financing and payment system

The main role in the direct allocation of NHS financial resources is played by the primary level trusts already described, which are responsible for paying for the services of general practitioners and relevant hospital departments. The funds at the local level are allocated according to the contract, established tariffs or national recommendations. In turn, the primary trusts manage the budget provided by the health department according to population size and local characteristics. It is very important for trusts to demonstrate balanced budget management at the end of the reporting year. In other words, there must be enough money and the lack of resources is unacceptable, although in recent years the increasing demand for more expensive medical services has made it impossible to achieve an ideal financial balance. Despite increasingly difficult working conditions, failure to meet government plans for the board of directors in most cases means dismissal.

With regard to the cost of health care services for the public, it should be noted that with the exception of fixed rates for prescriptions, dental and ophthalmic manipulations, NHS operates free of charge for all permanent residents of the United Kingdom. It does not matter if the patient has paid contributions to the national insurance system. All those who are not permanent residents of the United Kingdom must pay for medical services, except those provided by the ambulance and reception departments.
Since April 2007, the cost of a prescription, regardless of the type of medicine is 6.85 pounds sterling; patients over 60 and under 16 years of age, patients with certain diseases and low income are exempt from payment. If there is a need to re-write prescriptions for the same drug, patients can purchase a so-called pre-payment certificate that allows doctors to write several prescriptions free of charge. The cost of prescriptions, as mentioned above, remains fixed at any market value, but prescriptions for medical equipment and supplies cost more to the British.

On the other hand, the rise in price of some drugs, especially those used to treat cancer, makes prescriptions too expensive for primary care, whose limited budgets should cover the difference between market price and prescription cost. This situation has repeatedly led to discussions about the need to include such drugs on the prescription list.

Recently, the number of NHS dental offices has been decreasing for various reasons, which has led to the expansion of the private sector that fills the gap. Since April 2007, the cost of British dentists working for the government has been standardized at £15.90 per examination; £43.60 for cavity filling; and £194 for more complex manipulations such as crowns, bridges or prostheses. Many dentists work for both commercial institutions and the NHS, but according to the government, their income from both sources is approximately equal.

The above facts do not reveal many details of the UK healthcare system. In particular, the differences between the approaches that dominate England, Scotland, Wales and Northern Ireland have been barely considered. Such an analysis goes well beyond the scope of this publication and obliges the author to gain a deeper knowledge of the country with which he is bound only by understanding the language. On the other hand, the globalization of information flows and the constant surprise of us with the capabilities of the Internet allow readers to easily find the information they need on their own. This review is only an attempt to summarize the basic principles of the NHS, a complex mechanism that has worked for many years for the benefit of millions of people, but seems to be getting outdated. Criticisms from the press and scientific publications about the cost, politicization and conservatism of the British health care system are evidence of this. Whether NHS advocates or critics are right, time will tell, but for now United Kingdom medicine continues to save lives, generate scientific discoveries and attract doctors from across the European Union.

RUSI: London’s new foreign policy will be based on working with its allies

The new doctrine of British foreign policy should cover the whole world, and be based on working with allies, said the head of international security studies at the RUSI analytical center Neil Melvin, February 26, the press service of RUSI.

According to Melvin, the new national foreign policy doctrine of the United Kingdom should take into account not only Europe but also global interests and responsibilities of the country.

The head of the RUSI department noted that it is important for the UK to have an opportunity to influence the regions where the international policy will be defined in the near future. Such points include northern Europe, the Middle East, the Red Sea region, parts of Africa, southern Asia (especially India) and Southeast Asia.

As the scientist stressed, the main task of a radical revision of British foreign policy will be the formation of a strategy regarding Russia and China. The actions of these countries in the above key points of the world should be taken into account.

Melvin believes that Britain will be able to effectively respond to external challenges only through international alliances and agreements. It is not only about adjusting existing agreements, but also about creating new ones.

Recall that the Royal United Institute for Defence Studies (RUSI) is the oldest think tank in the world. Founded as a museum in 1831, it has been working as a defense think tank since 1839. RUSI is actively involved in the development of strategic decisions of the UK domestic and foreign policy.