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MOT Basics

In the UK if your car is three years old or more, it will need to undergo what is known as a MOT check, which is a procedure that is carried out in order to determine the road worthiness of your vehicle, against a minimum set of specifications set out by the government. It is important that your car meets the MOT criteria in order to be safe, which is of particular importance if, like myself, you enjoy taking lengthy road trips around the UK.

Where is the Testing Carried Out?

Only authorised test stations and garages are allowed to check mot, and in order to tell if you are dealing with a genuine MOT test centre, you should be able to see a light blue sign with 3 white triangles inside, displayed somewhere prominently on the exterior of their premises. In order to become a MOT test station, the garage will need to meet certain criteria set out by the government, as well as be competent in using specialist testing equipment.

What is the Procedure for a MOT test?

There are a number of vitally important tests that need to be carried out on specific parts of the vehicle, in order to see that the vehicle meets the minimum requirements set out by the government. One of the most important factors is the emissions that the vehicle gives off, and the exhaust and its emissions will be rigorously tested by a qualified car checker. Other items that need to meet a basic standard are tyres, wheels, windscreen wipers, seat belts, brakes, suspension, steering and the lights and horn.

What Happens after the MOT Test?

Once the car check has been completed, the vehicle will have been classed as having either passed or failed. If your vehicle has passed the MOT test a certificate will be produced which you will need to keep with you, and it will be valid for 12 months. For vehicles that have failed, there will be a rundown of the item or items that have caused the vehicle to fail. A new MOT test will only be carried out once the remedial works have been carried out. It could just be the case that one of your car’s tyres or lights was defective. Although it makes sense to have the remedial work carried out by the test centre, it is not a requirement, and it is possible to have the work carried out elsewhere should you so choose. Although, by rights you are allowed to drive an MOT failure to a garage or test centre, it is advisable that you contact your insurer for clarification of whether you will be covered. It is illegal to drive an MOT failure on British roads for any other reason.

Clearing House Role in Financial Stability

In London, clearing houses are often referred to as the plumbing or “pipework” of the financial infrastructure; they are responsible for safely and efficiently handling enormous financial transactions including interest rate derivatives, payment securities and derivatives transactions. Clearing houses such as the London clearing house are essential for financial security.

Clearing houses have been around for a long time and provide a variety of services but the most basic include:

  • Centralising and standardising specific financial transactions
  • Reduce the cost of risk in clearing swap rates among multiple market participants
  • Counterparty and guarantor to trades

Before clearing houses were established the process to pass financial checks and credit the clearing and settling process would take multiple banks and a time consuming process that was filled with blunders. The clearing house immediately resulted in a saving in both time and cost. The financial sector grew to rely on the clearing houses for safe and effective clearing and settling.

In response to the growth of interest rate swaps in the early 1990’s, the London clearing house was created and dealt with large portions of these transactions. However, for whatever reason, people were still hesitant to move all of their credit default swaps and OTC derivatives to the clearing houses. This was greatly changed after the economic crisis in 2008 when the world was seeking for a way to improve transparency and create systematic security.

Before the UK and their European counterparts required in 2012 that derivatives must be cleared through a third-party it was common for trades to be conducted bilaterally and therefore a lot of transactions went without sufficient collateral or mechanism to guarantee against loss or default.

The London clearing house aims to resolve these major problems in the over-the-counter (OTC) derivatives market by being the third party between the buyer and the seller. The clearing houses also provide transparency and guarantees there is an insurance policy in place to protect companies that do not default.

As clearing houses grow, it’s important that clients, governments and executives are setting advanced and effective marketing standards and guarantee that there is a high standard of safety.

Clearing houses are vital to the role of financial infrastructure to strengthen and safety the clearing, settling, and OTC derivatives in the sector by offering supervision, thorough financial background checks, guarantees and more.

How a Physiotherapist Can Help Your Soreness

Physiotherapists, or PTs as they are also known as, are health care professionals that work with people to remediate physical injuries and pain or to prevent physical disease through the means of physical exercises and treatments.  PTs can assist patients with most physical impairments that limit the usual functionality of the body and offer therapeutic treatments to patients who can be anyone from newborns to the elderly.

Physiotherapy has a major place of practice in many physical settings.  You’ll find a PT that specialises in treating injuries specific to most types of sports.  They are trained to evaluate and diagnose physical illnesses that are the result of injuries and subscribe the patient to a physical treatment that is designed in partnership with the patient.  A Physiotherapist will work closely with the patient to monitor the effects of the physical treatment and will build a historical profile of the patient which is kept and referred to in future in case of a recurring injuring.

Physiotherapists also work in the following health care areas:

  • Wound care (treatment of patients with severe wounds)
  • Electromyography (treatment of neuromuscular diseases, lower back pain, kinesiology, and motor control disorders)
  • Circulatory System (the circulation of blood and lymph to transport nutrients)
  • Neurology (treatment of disorders related to the nervous system)
  • Pediatrics (treatment of disorders for infants and children)
  • Orthopedics (treatment of disorders related to the musculoskeletal system)
  • Geriatrics (treatment of disorders concerned with elderly people)

Treatment of your condition will involve an assessment of not just your current physical condition but will also cover your lifestyle habits, general daily activities and state of health.  The physiotherapist’s most common types of treatment are:

  • Exercise regimes aimed to develop mobility and strengthen muscles
  • Joint exercises to reduce soreness and stiffness
  • Muscle training and manipulation to improve body control
  • Breathing exercises and techniques to develop clearer airways.
  • Massage
  • Acupuncture
  • Hydrotherapy (the use of water to relieve a patient of pain or an illness)
  • Guidance on how to use aids such as crutches, wheelchairs and walking sticks.

PTs work within all areas of general healthcare alongside other health care professionals such as an Osteopath or a Chiropractor.  They practice in hospitals, rehab and community health centres, sports clubs and commonly within their own private practice.  Searching your local phone directory should find you a nearby practicing physiotherapist or you can contact your family doctor who can refer you to a PT, however PTs do not usually require a doctor’s referral before contacting them.