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The pandemic of COVID-19 has been very turbulent to numerous industries. Regarding the billing industry, it has brought numerous challenges. In order to overcome those challenges, practitioners must ensure successful medical billing. They have a massive responsibility on their shoulders to maintain consistency within the healthcare industry.

To overcome these challenges, the practitioner must utilize effective billing solutions to minimize all the errors and bring transparency within their organizations. Furthermore, they should create preferable audit reports to outline all the key errors taking place in the billing procedures to make sure that they do not repeat the same mistakes.

Another way of overcoming these challenges is by outsourcing the services. In this article, I have provided multiple ways in which outsourcing may bring welfare to a billing organization.

  1. Better control

 Many reports state that the outsourcing medical billing services mean that you lose control over your business procedures. However, it is key to ensure the best medical billing services.

The practitioners are able to maintain consistency within their implementation of tasks and have a complete understanding of their billing procedures. The practitioner must have adequate training staff at their disposal to ensure the proficiency of outsourcing these services.

 

  1. Financial structure

 If a practitioner tends to outsource medical billing services, the healthcare organizations can preserve time regarding monthly salaries, workplace infrastructure, utilization of innovative billing software, etc.

If the practitioner guarantees minimal overhead costs, a successful claim submissions and approvals, it automatically results in financial proficiency and maintains financial stability for his medical business going forward.

 

  1. Data security

 If a practitioner outsourced billing service to an external party, it ensures data protection. Proficient and well-drilled healthcare organizations provide considerable billing services to satisfy their demands.

There are numerous medical billing service providers who have a comprehensive suite of billing procedures to protect the services from any hacking attempt. Healthcare organizations must guarantee that the data is kept secure from all setbacks. Data security will ensure that medical practitioners will be able to implement their outsourcing procedures comprehensively.

 

  1. Comply with ever-changing regulations

 The biggest objective for any healthcare organization is to evolve going forward. If the organizations and the medical practitioners are unable to do so, it has a negative impact on their provided medical billing services. Furthermore, it also puts a question mark on their reputation. There will eventually come a time when their cash flow gets halted as lesser and lesser patients come to pay them a visit.

To overcome these challenges, practitioners must comply with the ever-changing regulations of healthcare organizations. Outsourcing of these services means that the regulations get handled by an external party. This allows the practitioner to be relieved of all the stress regarding the administrative work and allows them to focus on the key competencies i.e. patient demands.

 

  1. Minimal labor costs

 According to a statistic from a New York-based billing company, around 35% of the collected revenue gets accumulated on the billing procedures. If the practitioner tends to outsource the billing services, it will allow the practitioner to not pay attention to these unnecessary costs.

 

  1. Better patient perspectives

 The primary objective of a medical practitioner is to promote better patient perspectives. If the practitioner is able to provide commendable billing services, or he tends to outsource billing services to a reliable billing company, it will improve his reputation. The practitioner must be able to do an effective collaboration with the patients to ensure that they are satisfied with their demands.

Effective collaborations ensure that the patients will have only a singular way when it comes to dealing with the billing services. They will only communicate with you if they are having any problem in this aspect. Their association with you will ensure that more patients will pay a visit to your medical workplace. This is key to ensure maximum cash flow. Maximum cash flow is integral in maintaining an appropriate financial structure. Furthermore, they should ensure that they keep their consistency in the implementation of billing procedures to avoid any setback.

 

Conclusion

The service providers must ensure the delivery of provider billing services comprehensively. The accuracy of the details must be ensured. The billing companies must ensure the provision of accurate information. This is pivotal in the minimization of claim denial rates. The organizations are equipped with effective billing professionals that have a complete understanding of patient infographics, CPT (Current Procedural Terminology) and ICD (International Classification of Disease) codes.

Do you want to know about the advantages of outsourcing medical billing services? If so, click on this link. We provide effective billing services to satisfy the demands of the healthcare organization. We ensure that the organizations maintain financial stability within the healthcare organizations. This ensures that the practitioners are able to implement their tasks comprehensively.

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Roller blinds are one of the most popular types of blinds, if not the most popular type of window blind. Being one of the most popular blinds means that they are very common, most homes around the country have at least 1 set of roller blinds somewhere, but despite the popularity of roller blinds, not many people know how to measure for them to get them made to measure, so we spoke to the DotcomBlinds team to find out the best way to measure for your blinds and when you’ve measured and ordered your blind, they have this great guide on installing roller blinds for you to read.

First Things First

Measuring for roller blinds is a simple task but you must consider a few things before you start measuring, it’s important to have these in mind before you measure as you may need to slightly alter your measurements to ensure it fits well without getting caught on the sides of the window recess.

Firstly you need to choose what sort of fix you’ll want your roller blinds to have, there are 2 main options here:

  • Top Fix, a top fix blind is installed in the recess of the window and the brackets installed facing down on the top of the recess. This will mean your blind is within the recess in the wall which contains the window, there will be a deduction to make but luckily most made to measure blinds retailers will make the deductions for you.
  • Face Fix, a face fix blind is installed on the wall outside the recess facing outwards. You won’t need to make any deductions, but you’ll want your blind to be a bit wider and longer than the window to ensure it’s covered by the blind.

You’ll also want to consider what operation system you want to use and what side it will be on, if you will have a chain you don’t need to make adjustments, but if you use a crank or wand you’ll need to allow for some room for it to be and ensure you have space near the blinds to move the operation.

To measure your blinds you’ll just need a measuring tape, it’s best to use a metal tape rather than a fabric one as a fabric measure may dip and distort your measurements

How To Measure For Top Fix (Inside The Recess)

This is an incredibly easy task to undertake, for your recess fit blind simply measure the entire width and drop of the recess, so top to bottom and wall to wall. When measuring the width of the recess, you’ll want to take measurements from at least 3 points on the wall (as the recess will not always be uniform in width), then use the smallest of the 3 measurements.

How To Measure For Face Fix (Outside The Recess)

To measure for outside the recess blinds, simply just measure the entire width and drop of the recess, so top to bottom and wall to wall. Once you have these measurements you’ll want to add some overlap to reduce light leakage, so you’ll want to add at least 70mm to the top and bottom of the drop measurement and 50mm each side of the width measurement.

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eSports is all set to be the very future of sports. The statement would have made little sense even a few years back. But the unprecedented disruption caused in the sports industry by COVID-19 and the latest developments in technology together points towards that very fact.

The sports viewers of our times need to be engaged through digital channels even while they watch. Gamification presents the most promising way to provide this engagement by transforming the watching experience into one where the viewer, in a sense, plays as well.

COVID-19 has dealt a body blow on football sporting events this year, and the lack of Football news is mainly due to it. However, COVID-19 has also encouraged the development of esports, which has emerged as a viable alternative in the post-COVID-19 world.

Still In Its Infancy

eSports is still small when you compare it to the bigger world of real-world sports. A new type of future awaits sports fans through esports.

In this future, the viewing experience has interactivity as well. Through esports, today’s viewers’ desire to participate and not merely to watch or listen to sporting events.

VR Is Making Things Interesting

The two worlds of esports and real-life sporting events are coming close thanks to new VR based games. Through such competitions, digital esports becomes an experience that consists of physical activity as well.

Virtual Reality or VR is the technology that promises to bring closer the worlds constituted by sports and their virtual counterpart esports. Not only that, but the technology is also making its presence felt in the realm of training through VR enabled training of sportspersons.

The esports space is still in a relatively nascent stage. But nonetheless. VR gaming and mobile gaming together make up for an extremely bright future for esports.

New Games Are Emerging

To cite an example, we can take into account HADO, a new VR battle game set in a sports arena where people go two on two. In the game, the players are put on VR headsets and strap mobiles to their hands.

The headset lets them see each other’s actions, and the mobile lets them fling virtual fireballs to the other two-membered team. HADO is particularly deserving of mention due to its 3D esports arena.

Most other esports games are still tied back to a flat 2d screen for viewers to watch. Sony is also reportedly developing a spectator VR tech that would let people witness esports in a virtual arena.

The VR Olympics

Rumors abound that the IOC or the International Olympic Committee is interested in taking up VR as a channel for the inclusion of esports into its routine. In all probability, esports will be more than a mere VR version or present sports, and as HADO suggests, new sports and games will emerge.

Another strong likelihood is the reinvention of current-day sports arenas and stadiums for popular sporting activities in a virtual space.

The Potential Of eSports Being Tapped Into

Whenever the next Olympics is rescheduled, it will be something momentous for esports. Japanese businesspeople are busy building sports hotels that are likely to launch with the Games’ commencement.

Last year the chip manufacturer Intel which also happens to be an Olympic partner, announced it would be hosting an esports tournament. The tournament is due before the Games and happens to be sanctioned by the Games committee.

Major Milestone For Esports

The previous year also marked the first time where a major sporting event had medals for sports games. It is truly a pioneering effort by the hosts and organizers of South-East Asian Games. It only serves to indicate that just how much promise esports has and how the tech is making inroads into sports and sporting events.

The talks are still going on to include esports at the 2024 Olympics in Paris. It will, in all likelihood, follow the two previous Olympics games in including an event dedicated to esports. The 2019 European Games did, in fact, feature eSports but as a part of its cultural activities rather than sporting events.

Remember, in the first decades of the Modern Olympics; cultural achievements were lauded too with awards. As the Olympic Charter still proclaims, the vision was originally to celebrate sports and education and culture.

It would not be incorrect to draw an analogy between the evolution of esports to the development of silent films about a century back. The “game” has just started. Lots of exciting tech developments wait for us as we set out into the third decade of the new millennium with esports firmly set as one of the potential futures for sports itself.

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When a person dies, the initial reaction is an emotional and sensitive one, but unfortunately, there is also an administrative fallout. This, largely, is related to the person’s will. However, if somebody passes without leaving a valid will, then it is the rules of intestacy that dictate how their property is shared out.

The will

In the United Kingdom, you must generally be at least 18 years old to make a will. If you are a soldier or sailor on active duty, though, you can be any age. There is no set age that you definitely should make a will, but when estimates suggest 60% of people don’t have wills, you don’t want to be a member of that group whose loved ones lose out if the worst should happen.

You should update your will as circumstances change throughout your life, and ensure your will covers and protects those you care about. In the United Kingdom, wills that aren’t signed and witnessed are invalid, so if you are making one, then do it properly.

The intestate person

The intestate person is the person who dies without leaving a will. Their property will be divided up as per the rules of intestacy, and so this could mean their loved ones potentially miss out due to some strict laws which state who can and who cannot inherit.

Who cannot inherit?

No matter how close to the intestate person they were, the following cannot inherit any property when no will is left.

Unmarried partners and those not in a civil partnership are unable to inherit, as are any relations through marriage. There are many circumstances where close friends feel like family members, but if they are only friends, then by law, they too cannot inherit.

Anybody, however, is able to apply for financial provision from the estate of the intestate person, which they must do through the court.

Married and civil partners

Former married or civil partners – for example, those divorced from the intestate person – cannot inherit, but partners at the time of death can. These relations will inherit the entire estate if there are no children or grandchildren, and the entire personal property and belongings, first £270,000 and half of the remaining estate if there are.

Complications

Throughout all of the inheritance negotiations, there can, of course, be some complications. This can come in any form. However, a common problem that occurs is when the intestate person lived in a different country or had a different nationality to their relatives. Finding an excellent inheritance lawyer Spain expert will help though, if, for example, an intestate person is Spanish, and their entire family lives in England.

Close relatives

Children and grandchildren should be able to inherit any estate or assets if there is no surviving partner, or partially inheriting if there is one – but there are some other close relatives who can inherit under the rules of intestacy.

The inheritance of siblings, parents, nieces, and nephews will depend on whether there are any surviving partners, children, grandchildren, and great-grandchildren. If there is not, then the amount of the estate will go to the surviving close relative, as long as they are directly related to the intestate person.

 

 

 

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From its humble origins around 500 years ago, bingo has grown to become one of the world’s most widely-played betting games. In the UK alone, bingo is estimated to be worth around £1.3 billion every year, with the numbers growing year on year, both on and offline.

What is bingo?

The rules of bingo are relatively simple compared to other forms of gambling. In the game, players mark off numbers on a card as they are randomly drawn by a caller. In the UK, these numbers span between 1 and 90, while in the US they usually run from 1 to 75.

A typical UK game card has three rows split into nine columns, giving a total of 27 spaces. Of these, 15 are occupied by randomly allocated numbers (again, ranging from 1 to 90). As soon as a player has ticked-off all the numbers on their card, they are declared the game winner. Prizes are also normally given for partially completed cards.

Bingo offers great entertainment value and has been proven to be one of the safest and least addictive forms of gambling. For most people, bingo is just a fun and exciting past-time, often played with friends.

 

Simple beginnings

Bingo is believed to have started as a basic lottery game around 500 years ago in Italy — originally called “Lo Giuoco del Lotto d’Italia”— a game that’s still played today.

Its popularity soon spread across mainland Europe, particularly in France, where it earned a new name, “Le Lotto”. The game was especially popular amongst French aristocrats, although it was also played in Germany, mostly as a learning aid for numeracy in children.

A version of bingo closely resembling the game we know today is thought to have originated in early 20th century Britain, when it became a regular feature at funfairs and carnivals. It’s here that the tombola system for drawing numbers became widely used and the game soon reached peak popularity across industrial towns and cities.

 

The name ‘bingo’

With populations migrating in droves to America in the early 20th century, it wouldn’t be long before the game would find a new home — and a new name — Stateside. An adapted version of bingo was played in the US, with players marking their numbers with beans and calling “beano” once they’d filled their cards.

It’s widely believed that the name originates from a mispronunciation made by a player who, in the excitement of winning, called ‘bingo’ instead of ‘beano’. The mistake was overheard by New York salesman Edwin S Lowe, who would go on to develop the modern version of the game as we know it today.

Lowe invested heavily in the game, printing new cards and devising increasingly complex number combinations with the help of a university professor of mathematics, Carl Leffler. Between them, they would go on to invent and patent over 6,000 different bingo card combinations, leading to a surge in popularity of the game during the 1950s and 1960s.

 

Bingo in the 21st century

As with many other industries, bingo has been given a new lease of life through online technologies and its popularity has never been greater than today. Online directories like www.bingositesreviewer.com feature information on the best bingo sites and the game continues to go from strength to strength.

Even in an age of increasingly sophisticated graphics and complex game plots, the lure and appeal of a relatively simple game like bingo still attracts the masses. Indeed, developers are finding increasingly inventive and engaging ways to involve players in bingo, including interactive group games played in the background while watching movies or during live chats.

After 500 years at the top, it seems “Giuoco/Lotto/Beano/Bingo” still has a few tricks up its sleeve and will be with us for a good while yet.

 

 

 

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Being safe on the internet today does not just depend on the individual anymore, but there are still measures that each of us can take to mitigate the risks. A much publicized one in recent years is the use of a VPN. The VPN creates a kind of tunnel, almost always encrypted, between a device connected to the internet (computer, cell phone) and a remote server, thus establishing the “virtual private network” to which its name refers. VPNs have emerged to allow workers to remotely access company resources available on their internal networks. When accessing one, it is as if you were on the local network, that of the VPN provider, which frees up access to the intranet and other tools that are not on the internet. But for many people, security isn’t the only thing preventing them from turning away from VPN service. There is one more factor that actually encourages them to stop using the service and take the risk of being bugged, speed of access!

 

In this article, you will learn more about the causes of slowness and how to resolve it by speeding up your VPN.

If you already know what a VPN is (if this is not your case, there are several excellent materials that explain what a Virtual Private Network is), then it is nothing new to say that these features significantly increase the integrity of your connection, providing additional layers of protection against various types of external threats.

But despite this great aspect, you probably know that these features can often slow down your connection – which is just the opposite of what you want when installing a VPN.

In this article, you will learn more about the causes of this slowness and how to resolve it by speeding up your VPN.

Can a VPN cause a slow connection?

“Virtual private networks” (VPNs) are one of the best ways to protect your privacy (making it possible, among other things, to hide your location allowing you to switch between different IP addresses, for example). But as you may have noticed, this can cost you a slower internet connection. This dispels the conventionally propagated myth that VPN applications only speed up your connection, which is not true.

So, yes, a VPN can cause just the opposite effect to desired, reducing your connection speed – impairing, among other things, your download speed.

Run speed tests

If your internet has slowed down after installing a VPN, you need to do some not too complicated procedures.

First of all, disable your VPN. Then, perform a broadband speed test to check your connection speed. Then do the speed test again with your VPN enabled.

Compare the two results. If your connection speed is slower with VPN enabled, then it is probably the cause of your slow connection.

Select the fastest server

A VPN application will route your data through one or more servers to be able to hide your location from any observers. Some servers are better than others, and the slowness of your VPN can be caused by the use of more “congested”, slower servers. So, the most prudent tip is to select only the best of them. Based on our long experience, we would recommend SurfShark. The information can be found here.

On your VPN control panel, there is usually a list of servers and an indication of which ones you are using. Often, it is better to use a server that is geographically closer to your location, such as for playing online games and thus obtaining minimal latency.

If, for example, you are in US and choose a server in China, then the latency of your game will increase a lot, because the data will need to travel between the two regions. This is one of the main causes of lag, that is, delayed responses.

Know how to set your VPN priorities

Your VPN server settings may vary depending on the type of content you want to consume. If, for games, it is better to choose servers that are geographically closer, to watch Netflix (for example) this is not necessary.

If you are experiencing buffering or stuttering problems when running streaming services, try to choose another server as the current one, to which you are connected, may be overloaded, causing your streaming to be delayed – or you may experience other technical problems.

To avoid blocking content, prefer to choose servers from locations where the consumed content is produced (for example, if you want to watch series produced in the United Kingdom, look for servers located in that country).

Other important tips

If you can choose a wired connection, this can help speed your connection. Wi-Fi connections can experience loss of speed and performance, especially depending on where your router is and where you use your device.

You can also temporarily disable your firewall and antivirus to improve your connection performance, as these features can limit your speed. But only do this for short periods of time and if you really know what you are doing, as this measure is extreme and is not recommended for your safety.

Another tip to boost your connection speed is to make some protocol changes, as certain layers of encryption can slow down your network’s data flow. But it is important to check which changes are most suitable for your system and your VPN, and what are the risks of doing so.

A simple tip is to restart your device and your connection. This can eliminate accumulations of functions and executions and improve the performance of your VPN.

Other limitations may be conditioned on your hardware and your internet package. It may be a good option to choose more modern equipment and a faster package by your provider.

Watch out for “free” options

It’s important to be careful about “free” VPN’s. Often, they are not robust enough and can compromise not only the speed of your connection (with lower quality servers), but your own integrity. It is important to download a VPN of good quality, reliable and, preferably, paid.

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Nail fungus infections are caused by fungi organisms and can develop among people of any age.

Fungus infections can lead to more serious problems with your fingernails and toenails. As a result, you want to know what to do if you suspect you have a nail fungus infection.

You can try the home remedies and treatments below, plus some helpful fungal nail advice.

Use Vicks VapoRub

Arguably the go-to tropical ointment for cough suppression, Vicks VapoRub has shown a “positive clinical effect” when used to treat fungal infection.

Vicks’ active ingredients include camphor and eucalyptus oil, both of which help fight nail fungus growth.

Vinegar

Although there’s only anecdotal evidence to support vinegar’s effectiveness against fungi infection, it’s safe to try it as a home remedy.

Simply soak the affected area in a mixture of vinegar and water for up to 20 minutes. Do this daily, and check for results.

Listerine

Listerine’s active ingredients include:

  • Menthol
  • Thymol
  • Eucalyptus

These three have antibacterial and antifungal properties, which are great for fighting nail fungus infection.

Although no official study supports the claim, users recommend soaking the affected nail in a basin of red Listerine for 30 minutes every day.

Garlic

Garlic contains some antifungal and antimicrobial properties that help treat nail fungus infection, according to a review.

To use it, chop or crush garlic cloves and place them on the infected area for 30 minutes every day.

The next remedies are extracts and oils that are natural and widely considered to be effective against fungi infections.

Coconut Oil

Apart from being an active ingredient in various skin and hair products, coconut oil also contains powerful antifungal properties thanks to the number of fatty acids in it.

To use, apply the coconut oil to the nails and the surrounding skin three times a day. Use only high-quality virgin coconut oil.

Tea Tree Oil

Studies suggest that this essential oil can fight nail fungus infection, thanks to its composition.

Tea tree oil, or melaleuca, also contains active antifungal and antiseptic properties.

It produces similar results to the traditional fungal medicine called Clotrimazole.

When using tea tree oil, apply it directly onto the infected area using a cotton swab.

Oregano Oil

Oregano is a plant that contains Thymol, which has been proven to have antifungal and antibacterial abilities.

To use, apply oregano oil twice every day on the affected area using a cotton swab.

Many people use oregano oil in combination with tea tree oil to improve their effects. However, be sure to check first for any allergic reaction, or the infection could worsen.

Olive Leaf Extract

Olive leaf extract has an active substance called Oleuropein, which is believed to have antifungal and antimicrobial properties.

 

These are home remedies you can try to stop and prevent nail fungus infection. The next ones are more tips you can use to prevent any type of fungi infection.

Watch Your Diet

Your diet also affects your health and your chances of developing nail fungus infection. If you eat healthy foods, you lower your chances of fungus infection.

When Should You See a Doctor?

Although nail fungus infections are considered to be common and not life-threatening, they can still cause or prelude even more serious health problems.

For instance, nail fungus infections are common among patients with diabetes. These patients often suffer from foot ulcers and other foot problems.

People with poor immune systems also suffer from fungus infections.

Overall, while home remedies may be effective and safe, seeing a doctor should still be on your list. At the same time, make sure you stay healthy and have proper hygiene.

 

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In Scotland, there are some stunning locations that you can visit with impressive views and luxurious hotels. Of course, a luxury holiday isn’t within everyone’s budget, despite how much you might want to go on one. The good news is that it is possible to go on a luxury holiday in Scotland without breaking the bank, you just need to make some changes to your plans. Find out some of our tips for achieving this below.

Consider Alternative Options

Most people think that you need to stay in a five star hotel to have a luxury break in Scotland but that is not the case at all. In fact, if you are willing to consider some alternative accommodation, you can save some money and have more to spend on future luxurious breaks. One of the most popular alternatives for those who want a luxurious trip without the price tag each time is to buy luxury motorhomes. This way, you only need to pay once and then you have access to luxury whenever you want. It might also be worth looking at homes that you can rent rather than hotels for the most cost-effective option.

Go Off-Peak

During the summer, luxury breaks in Scotland are going to be expensive. This is because schools are off for summer and more people want to visit the popular destinations when the sun is out. Of course, if you live in Scotland, you’ll know that the summer isn’t always sunny and so you can go at any time of the year and still have a great experience. Going on your Scottish vacation during the autumn or spring will save you some money without sacrificing a great trip.

 

Book Tickets in Advance

If you are planning on visiting some tourist attractions when you go on your trip to a Scottish destination, you should consider booking your tickets in advance. Often, booking tickets in advance can reduce the price and you can even get a discount for buying a few tickets at once. This is a great way to have a luxurious trip without breaking the bank. You can still see everything that you had hoped, and you’ll cut down on the time spent queuing at the same time!

Check for Deals

Finally, you should check for deals when booking your luxury break in Scotland if you want to save some money. There are some really great restaurants that offer fine dining experiences in Scotland. These restaurants are typically expensive but if you look in the right places, you can get some discounts and still get the experience. There are plenty of voucher sites that you should check and don’t forget to check for offers advertised by the restaurants online.

If you are planning a luxury break in Scotland but don’t have a large budget, use the tips that we have given you and you should still have a great time.

 

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Minority groups have very often been the target of religious persecution, owing to their differing beliefs and perceived threat to social harmony and national security. Even in countries with freedom of religion etched into their constitutions, this issue is nonetheless prevalent. In this essay, I will cover three clear instances of freedom of religion violations across the world: the persecution of Muslims in India, Muslim Uyghurs in the Xinjiang province of China, and the Rohingyas in Myanmar. 

Islam has existed in India at least from 700AD. Across Indian history, Islam had a significant influence on culture and history: countless Islamic empires ruled over India and famous architectural pieces including the Taj Mahal were erected by Muslim rulers. Nonetheless, when the country obtained independence in 1947, a faction of Muslims in congress separated and created their own country: Pakistan. This left a deeply fractured country, and Hindu leaders in India took advantage of the animosity against Muslims in the Hindu-dominant India to persecute them. In the context of recent events, Prime Minister Modi has been especially hard on Muslims. His campaign rested on this toughness. In February 2020, this sentiment culminated in the 2020 Delhi riots, in which Hindu nationalists attacked Muslims and their businesses. 53 people died in the incident, a clear example of what happens when religious tensions are left to fester.

 Uyghurs are an ethnic minority in the Peoples’ Republic of China, and but almost entirely live in one province: Xinjiang. Although by law Chinese, Uyghurs are ethnically more closely related to central Asian peoples. The reason for their persecution is multi-faceted: Xinjiang is a crucial economic point for China to connect with Europe, the Chinese political ideology dictates consistent and uniform thought, and there is a known history of ethnic tensions in the area. China responded in the 2010s by creating a number of “re-education” camps aimed at removing Uyghurs from their religion background and following Chinese customs and laws. The government has even moved to create “kindergartens” to do the same thing, but specifically targeting younger members of the population in an effort to extinguish the Uyghur cultural identity. The moves are shocking and clearly a violation of human rights in the area.

 A final example is the Rohingyas of Myanmar. They are a stateless, largely Muslim, group of people which Myanmar blatantly rejects as its own citizens. The largest evidence of genocide occurred in the years of 2017 to 2018, when a majority of the population was forced into neighboring Bangladesh. Numerous reporters, agencies (including the UN), and Rohingya people themselves stated the Burmese military conducted gang rapes, arson, and killings in the process of evicting them from the country. The incident is part of a long-standing persecution against Muslims in a Buddhist majority country and should not be tolerated. 

Through these three simple but provocative examples, it’s clear to see religious persecution is prevalent even in this supposedly “open” era. Many other examples could have been given, and in places few would expect. For one, consider the often violent persecution in South Korea against the religious minority group, Shincheonji. There, Shincheonji beliefs have been deemed heretical and “anti-nation and anti-government”, despite the church’s multiple and reported acts for peace and volunteerism. While such slander is spread by “rival” churches, members must daily face harassment, ostracism, fear of losing their livelihood, and domestic violence. Some have even taken their lives in the face of such abuse. The situation in South Korea is only one more instance to add to the ever-growing list of religious violence. We should not let these abuses stand but make every effort to bring those perpetrators to justice.

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Mis-sold pensions are becoming all the rage lately. Back in 2019, the Financial Conduct Authority (FCA) found that Prudential failed to tell people the facts about the annuities they were selling. It was considered a serious breach that resulted in an average of £6,300 being refunded to over 17,000 customers.

Let’s face it–who wouldn’t love an injection of £6,300 in cash?

If you think that you may have been mis-sold a pension product in the past then it’s worth checking up on how your pension is doing. Unfortunately, pensions are a product aimed at seniors which means it’s very easy to trick them and lead them to buy certain products that benefit their financial advisors.

But how does it happen in the first place?

Source: https://unsplash.com/photos/lZ_4nPFKcV8 (CC0)

Why people can be mis-sold a pension

We mentioned it already, but one of the most common reasons is because people simply don’t understand their pension. It sounds like a strange thing, but keep in mind that financial advisors are trusted for their expertise and the advice they offer. Unfortunately, some of these advisors abuse the trust that people put in them. This allows them to easily persuade you to invest in certain things and take risks that would benefit them, but not necessarily you.

For example, some of the most common mis-sold pensions include self-invested personal pensions (SIPP), final salary transfers and occupational pension schemes. These are good examples of products that you need to be extremely careful with because they can easily be used as part of scandals such as the Prudential situation.

So if you think you’ve been mis-sold a pension, it’s vital that you seek proper impartial advice. But what’s this about a time limit? Is there really a certain amount of time to make a claim?

Unfortunately, yes.

Act quickly if you’ve been mis-sold a pension

If you want to complain to the Financial Ombudsman Service then you have six years to make a claim from the date you were sold the product. However, you also have three years from the date that you noticed that something was wrong. The later of the two will be your timeframe.

In other words, if you think you were mis-sold insurance around 5 years ago, you only have another year to make a claim before they won’t be able to help you. If you were sold the product over 6 years ago then you could make the argument that you didn’t know until just recently. However, you’ll need to prove that you only recently noticed that something was wrong.

Either way, you absolutely need to get in touch with an expert as soon as possible to ensure the greatest chance of success with your claim.