As NHS waiting lists are known for being notoriously lengthy I decided to book into a private physiotherapy session in order to take a look at my left shoulder pain which is a suspected tear in the supraspinatus muscle.
SESSION 1 - INITIAL CONSULTATION
I had visited this physiotherapist (Debbie) previously as I was experiencing tightness in my neck and right shoulder and she gave me a sports massage which had been helpful. One of the things I liked about Debbie in particular is that no matter how many questions I bombarded her with she seemed very knowledgeable and was able and willing to answer them all.
Upon meeting with her I explained how I injured my shoulder and also the current problem I was having i.e pain in the top end of the range of movement as I lifted my arm directly up in the air above my head. Unlike the NHS fracture doctor Debbie did not seem dismissive because I had a good range of movement and acknowledged that I was still having pain which to me is a BIG problem.
One thing that did cause a bit of concern is that Debbie asked for the exact location of the tear and how big it was following the ultrasound results. I told her that the woman at the fracture clinic that was supposed to give me my ultrasound results could offer no other information other than my shoulder was injured and she thought that it was a tear in the supraspinatus. When I questioned the woman at the fracture clinic she told me that she could not tell how big the tear was as all she had seen on the notes from the ultrasound technician is that there was a tear and it did not provide any other information . Debbie was perplexed by this but not surprised but stated it was very important to know for any physiotherapist that treats me. All she hoped is that the NHS physiotherapist gets more detailed information than the fracture clinic doctor.
She continued her examination of me using various tests involving the movement of my arm in different positions and hearing my feedback on where I was experiencing pain. Interestingly upon completion of her tests she said that there are actually two issues , Not just the one that the NHS has identified .
1. Pectoral strain - I had expressed from day one that I had had pain across my collarbone and this was dismissed by the NHS however the private physio believes that when I injured my shoulder I also experienced ligament strain at the point where the pectoral muscle attaches to the chest.
2. Supraspinatus tear - she can see from the problems that I'm having that I do have a tear somewhere in the supraspinatous however without the ultrasound she could not tell if it is from the tendon or muscle itself .
Another observation she made is that all of the muscles around my left neck and shoulder were extremely tight, which is probably a protective measure following injury so she also wanted to work on alleviating this issue aswell.
TREATMENT
In my hour long session the physio performed the following :
Acupuncture - to increase bloodflow to this shoulder area
Sports massage - to work on the tightness in the shoulder
Infrared device - as above
Towards the end of the session we went through a number of exercises to help the shoulder area and stretch the left pectoral muscle. I was given a therapy band and had to perform several exercises using resistance in several directions. As my main pain and weakness is it the top of the range i.e with my arms straight up in the air I was told to only exercise up to shoulder level with the band. The non-band exercises I was given involved place my arm on the door frame and twisting away from my arm to provide a stretch in the pictorial muscle.
I was told to try the exercises for 10 days but always stop when I experienced pain. Interestingly the fracture clinic doctor had told me to 'push through a little bit'. Once the 10 days was over I should return for follow-up appointment and give my feedback. The cost of this private physiotherapy session was £45 and the follow up will be £37.
SESSION 2 - FOLLOW UP
Click here for details of my follow up session
Friday, 18 November 2016
Shoulder and collar bone pain - Rotator cuff tear investigation and treatment NHS (Part 2)
A letter arrived to book an appointment, so I called the number shown. I received the inevitable voicemail and left my details. I received a call back by a very rude sounding woman who barked that they only had one appointment available and it was 12th December. Having been to the physio a few times I asked who it was with and I was told it was a 'new physio'. I hate to be cynical but I fear I'm going to be stuck with a young inexperienced 'deer in the headlights' type character again who panics whenever I ask a question.
Private Physiotherapy Appointments
Given the important function of my shoulder and the ineptness I have experienced on the NHS so many times I decided to take the matter into my own hands and book a private physiotherapy session in addition to whatever the NHS decide to do. Click here to read about these private sessions.
NHS Physiotherapy Appointment (12th December)
After a short wait in some form filling got to meet my new NHS physio who was called it Tanvir. Having previously been told that my physio was new I had imagined an inexperienced and therefore and unhelpful individual. However Tanvir would prove to be quite the opposite.
He asked what the issues were and where things were today so I gave him a full rundown of everything that had happened. Although I didn't hold out much hope I asked him if he could tell me whether or not the tail was serious or not from any information provided from Ultrasound report. I expected the same result that I had at the fracture clinic where he would turn round and say that there wasn't any information provided by the ultrasound person as to where the table was exactly for it severity however I was really blown away by him telling me that he had already looked at the ultrasound before I had arrived and he could tell me exactly what the issue was. He then asked me to wait while he got a model of a shoulder for him to show me in more detail. He returned and gave me a full rundown of the problem in which he showed me that the actual tendon which attaches to my arm had been torn. The size of the tail on the ultrasound indicated that it was what he would call and medium tear.
I explained that my private physio has said that there was an issue with the pictorial muscle and that's why I was getting paid over my collarbone but he dismissed this as a possibility and insisted that it was referred pain from my initial injury.
He explained that as a raw they normally wait 12 weeks for any healing to take place before they start strengthening exercises. Thankfully for me it had been 12 weeks so we could get started with the rehabilitation.
I showed him the exercises the private physio have given me and he said that those were okay but he wanted me to do some additional ones. Some using my own hand as resistance, some with a weight, and some with a Thera band.
Overall he seems knowledgeable, really Enthusiastic and taught me a lot about the injury. He was also a big guy Who obviously worked out a lot so he was into strength and conditioning which helped him understand that I was keen to get back to the gym.
I was with him for about 45 mins which I was very surprised at given my previous experience with the NHS, he also asked if I had any questions and then genuinely and completely answered them. Since that appointment I have tried to do the exercises every day so I'm hoping for some improvement.
MRI appointment (15th Dec)
Details to follow
NHS Physiotherapy Appointment Follow Up (3rd Jan)
Details to follow
Shoulder and collar bone pain - Rotator cuff tear investigation and treatment NHS (Part 1)
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Shoulder injury |
The hedge had started to move backwards and forwards as i'd hoped but the hoe slipped free and violently jarred shoulder. Immediately it happened I felt something go in my shoulder but it didn't give me a huge amount of initial pain especially since I had been to the gym before. I had been working on my shoulders in the gym and they were already very sore so the pain of the injury must have blended into it.
It didn't really bother me that night but when I woke up in the morning I had a pain all the way across my left shoulder and across my collarbone. Again I thought it was just because I have been in the gym or maybe is just muscle pain caused from the work that I carried out in the garden as it was quite strenuous. As I got out of bed the pain was excruciating as if the weight of my arm and gravity was causing more of an issue, it was at this stage that I thought that I have actually broken my collarbone and the fact I was standing up was putting more downward pressure on it. As I moved around a bit more, the pain started to ease and by the end of the day it felt a bit more comfortable but was still painful .
Trying to see my local doctor always takes at least a week to get an appointment so I just wanted to see how if it would recover naturally before I had to go and see anyone. Three weeks passed and I was still having some pain so I decided rather than going in seeing a GP which would take more time I would go to Accident & Emergency (A & E) and see if they would be able to get me an X-ray.
Accident & Emergency (A & E)

Fracture clinic
I attended the fracture clinic and saw a doctor who did a more thorough examination on my shoulder. This involved doing some mobility tests i.e. lifting my arm up to the front and side and saying when I had pain. I also gave him a run down of all of my symptoms and also how the injury had occurred. He also believed that issue may be a tear in the rotator cuff so he wanted to get me booked in urgently for an ultrasound scan. He asked me to book an appointment for two weeks and said that he would arrange for an ultrasound scan appointment to be arranged as a matter of urgency see and confirmation would be sent to me in the post.
Ultrasound appointment arrangement
A week had passed and I had not heard from the ultra sound department so I called them up to find out when my appointment will be and also to let them know that I have been booked in with a doctor the following week to review the scan results. When I did this I was informed by the ultrasound department that and urgent ultrasound on the NHS has a waiting time of at least six weeks so the appointment that had been made for me to re-attend the fracture clinic to go over the results of the ultrasound scan should never have been made. I've booked an appointment for my ultrasound on 5 November and then called the fracture clinic to cancel my initial appointment and then rearrange it for 8 November.
Ultrasound scan (5th November)
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Shoulder Ultrasound |
Fracture clinic-ultrasound scan results (8th November)
After waiting 45 mins I was shown into a room/cubicle and asked to take a seat. A few minutes later a young slightly flustered looking woman appeared and told me asked how my shoulder was. I told her that it was still painful much like how it had been at my last visit. She then informed me that the ultrasound results were back and wait for it.............."I had injured my shoulder". I looked at her slightly perplexed as that part was pretty obvious at this point !!!. Thankfully I had asked the Ultrasound guy a few questions about the tear so I could then ask the woman now some further questions which unfortunately she seemed unwilling/unable to fully answer.
At a point in the conversation she asked me to wait and disappeared out of the room. I then heard her discussing my case with two men who said "Range of movement" Her response "Fairly good" to which he said "Yeh just send him to physio". She then returned to give me the news.
I asked further questions regarding how bad the tear was, how big it was, will it totally heal, should i do anything special before physio, should i protect the shoulder in any way and she was unable to offer anything other than "Just use it as normal".
This is a typical encounter I have experienced on the NHS not only do they provide little information to the patient but they also make them feel really uncomfortable by acting like they need to wrap things up with you instantly because they need to run off and do something more important. I know they are busy but nobody likes to feel worthless in a situation especially when they are injured/sick.
To read more - Continue to part 2
Monday, 1 February 2016
Types of debt : Good debt vs Bad debt
Is there such a thing as good debt ?. Previously I would have answered a resounding NO to this question as I have always avoided debt like the plague.
However, through experience and knowledge over time I have taken on debt in various forms and now feel I can define two types of debt : Good debt and Bad debt.
Good debt
Generally good debt should be strategic and part of a long term sensible plan. It should be clear, manageable, cheap as possible (interest rates), provide opportunities and be affordable to repay.
In a nutshell good debt should be an investment.
Let's look at some examples of good debt.
Investing in your business
Businesses are a great way to generate money but you don't get something for nothing in this life. Therefore, depending on the type of business you are going to start you may need some initial expenditure. This could be for equipment, premises or staff etc and will get your money making machine up and running. There is a saying that you have to 'spend money to make money' and a business is a prime example.
Any kind of debt should always be treated with caution as it can be a fine line between success and failure. If you are going to take out a business loan make sure you have a solid business plan and all of the skill, drive and determination to make it turn a profit. If you get this right you can repay the loan and everything else you get to keep.
Student Loans
Student loans to pay for University can be very beneficial for your future. Graduates generally get paid more than non-graduates so a university degree is definitely worth pursuing. Many would agree that 5 years to repay a loan is a small price to pay for a 45 year high earning career.
Much like the business loan you have to be careful. Only borrow what you need, don't waste money and make sure you work hard and get a good qualification. If you can save some of your student loan to act as a deposit for a property even better !.
Mortgages
Rental prices are increasing all the time and is effectively 'dead money'. The beauty of a mortgage is that not only does it give you a roof over your head but once the loan is repaid it also gives you a huge financial asset. Property appreciates over time so your money is making more money which is great especially coupled with the fact that your mortgage payments are still likely to be cheaper than paying rent.
Home improvements
Now this item won't feature on most lists under good debt because it is a broad category that can mean many things. In my definition borrowing money for home improvements means two things : Finding a zero (or close to zero) per cent credit card or loan and making improvements that are long term.
Examples of this are as follows :
Not only will this improve your life short and long term (a key characteristic of good debt) but it will add value to your property which is money in your pocket.
Like with all the good debt just make sure you can afford to repay it in a time frame that works for you.
Bad debt
If good debt is strategic and part of a long term sensible plan then bad debt is the opposite. With good debt we invest in the short term and in appreciating assets whereas bad debt places us in deficit with little or no future return.
Here are some examples :
Car loans
Other articles I have seen say that car loans can be good debt if you can afford it and is a statement I completely disagree with. Cars are DEPRECIATING assets and will always result in a loss 5 years down the line. I personally have always saved and purchased my cars cash which hasn't given me the best cars in the world but when my circumstances have changed I never had to worry. Knowing that no-one had a claim over your means of getting to work or running essentials errands is very reassuring. Car loans act as a compounded loss because not only is the car's value depreciating you also have to pay the loan amount back with interest. It is lose-lose.
Clothes
Unfortunately I have witnessed many people end up with financial problems due to spending excessively on clothes and fashion accessories. Not only do these items wear out in short period of time but some remain in good shape but simply fall out of the latest fashion trend and therefore are no longer wearable. The sad reality is some people are still losing a portion of their monthly income for outfits they wore briefly 4 years ago.
Home fashion items
Home improvements are good but home fashion items are bad if your paying for them with credit or loans. Ornaments, fashionable art and soft furnishings etc look good now but they will be out next summer when you want a fresh look. You may throw these out but the debt remains.
Borrowing money to pay regular bills
I implore anybody who is using money to pay living expenses (bills) or other credit commitments to contact debt management organisations for advice. These are free and have been setup to help people that are caught in this difficult and distressing situation. For those that are contemplating short term or 'pay day' loans please also utilise these organisations as these short term schemes are designed to dig you further into long term debt while giving you short term relief.
Holidays
These are the worst form of bad debt probably owed to the fact they have a specific time limit. For that 1 week holiday you could be paying for it for 3 years. If you want a holiday each year and use debt each time to pay for it, you are subscribing to a life of money worries.
Hopefully this article has shown that debt can be good and bad. If you are careful you can make debt work for you in a positive way and enhance your life or alternatively it can work against you. So understand the risks, make sure it's affordable and always read the small print.
If you found this article helpful or would like to share your thoughts on the types of debt mentioned, please leave your comments below.
However, through experience and knowledge over time I have taken on debt in various forms and now feel I can define two types of debt : Good debt and Bad debt.
Good debt
Generally good debt should be strategic and part of a long term sensible plan. It should be clear, manageable, cheap as possible (interest rates), provide opportunities and be affordable to repay.
In a nutshell good debt should be an investment.
Let's look at some examples of good debt.
Investing in your business
Businesses are a great way to generate money but you don't get something for nothing in this life. Therefore, depending on the type of business you are going to start you may need some initial expenditure. This could be for equipment, premises or staff etc and will get your money making machine up and running. There is a saying that you have to 'spend money to make money' and a business is a prime example.
Any kind of debt should always be treated with caution as it can be a fine line between success and failure. If you are going to take out a business loan make sure you have a solid business plan and all of the skill, drive and determination to make it turn a profit. If you get this right you can repay the loan and everything else you get to keep.
Student Loans
Student loans to pay for University can be very beneficial for your future. Graduates generally get paid more than non-graduates so a university degree is definitely worth pursuing. Many would agree that 5 years to repay a loan is a small price to pay for a 45 year high earning career.
Much like the business loan you have to be careful. Only borrow what you need, don't waste money and make sure you work hard and get a good qualification. If you can save some of your student loan to act as a deposit for a property even better !.
Mortgages
Rental prices are increasing all the time and is effectively 'dead money'. The beauty of a mortgage is that not only does it give you a roof over your head but once the loan is repaid it also gives you a huge financial asset. Property appreciates over time so your money is making more money which is great especially coupled with the fact that your mortgage payments are still likely to be cheaper than paying rent.
Home improvements
Now this item won't feature on most lists under good debt because it is a broad category that can mean many things. In my definition borrowing money for home improvements means two things : Finding a zero (or close to zero) per cent credit card or loan and making improvements that are long term.
Examples of this are as follows :
- Structural work which are essential for the property to be safe e.g. rewiring and plumbing
- Long term items which make the house livable and comfortable such as carpets, sofa, heat efficient doors, new bathroom and kitchen. As a rule ask yourself 'will I still have this item in 5 years?'.
Not only will this improve your life short and long term (a key characteristic of good debt) but it will add value to your property which is money in your pocket.
Like with all the good debt just make sure you can afford to repay it in a time frame that works for you.
Bad debt
If good debt is strategic and part of a long term sensible plan then bad debt is the opposite. With good debt we invest in the short term and in appreciating assets whereas bad debt places us in deficit with little or no future return.
Here are some examples :
Car loans
Other articles I have seen say that car loans can be good debt if you can afford it and is a statement I completely disagree with. Cars are DEPRECIATING assets and will always result in a loss 5 years down the line. I personally have always saved and purchased my cars cash which hasn't given me the best cars in the world but when my circumstances have changed I never had to worry. Knowing that no-one had a claim over your means of getting to work or running essentials errands is very reassuring. Car loans act as a compounded loss because not only is the car's value depreciating you also have to pay the loan amount back with interest. It is lose-lose.
Clothes
Unfortunately I have witnessed many people end up with financial problems due to spending excessively on clothes and fashion accessories. Not only do these items wear out in short period of time but some remain in good shape but simply fall out of the latest fashion trend and therefore are no longer wearable. The sad reality is some people are still losing a portion of their monthly income for outfits they wore briefly 4 years ago.
Home fashion items
Home improvements are good but home fashion items are bad if your paying for them with credit or loans. Ornaments, fashionable art and soft furnishings etc look good now but they will be out next summer when you want a fresh look. You may throw these out but the debt remains.
Borrowing money to pay regular bills
I implore anybody who is using money to pay living expenses (bills) or other credit commitments to contact debt management organisations for advice. These are free and have been setup to help people that are caught in this difficult and distressing situation. For those that are contemplating short term or 'pay day' loans please also utilise these organisations as these short term schemes are designed to dig you further into long term debt while giving you short term relief.
Holidays
These are the worst form of bad debt probably owed to the fact they have a specific time limit. For that 1 week holiday you could be paying for it for 3 years. If you want a holiday each year and use debt each time to pay for it, you are subscribing to a life of money worries.
Hopefully this article has shown that debt can be good and bad. If you are careful you can make debt work for you in a positive way and enhance your life or alternatively it can work against you. So understand the risks, make sure it's affordable and always read the small print.
If you found this article helpful or would like to share your thoughts on the types of debt mentioned, please leave your comments below.
Wednesday, 13 January 2016
How to get a first class degree at University or College
Before I went to university I wanted to find the ultimate guide to
achieving a first class degree. I wanted that magic formula or step by step
guide that was written by someone who had been there done it and achieved that
high level qualification. Unfortunately, I wasn’t able to find one at the time
so I persevered through my degree, learned what worked and what didn’t and
finally achieved that first class degree I had always hoped for.
Ever since I completed my degree I have always wanted to help other
people achieve the same by giving them the precise strategy they would need to
follow to guarantee success in their studies.
So here is the magic formula, the guide, the 11 steps to achieving a
first class degree. Follow these principles and I guarantee your degree will
say ‘First Class’ at the end of your course.
1. Always know what is being asked of you – This is the
number one point on the list because it is the most important. One of the main
reasons I achieved a first class degree was due to always being able to take an
assignment or exam question and determine what was REALLY being asked of me. It
is very easy when you get an assignment to jump straight in and think about the
completion of the task. As your thought process and creativity start to flow
you have already worked out the best possible structure, what research you’re
going to do and how it’s going to feel when you get that awesome grade.
However, what you haven’t noticed is that you haven’t paid enough attention to
the question and you have mentally researched and answered a different question
to what has been asked.
I have seen this done by others many times and have almost fallen victim
myself on occasion. The key is to ask yourself the following when you look at
your assignment or exam question :
·
· What have I learned on this subject so far
·
· What will I need to demonstrate I have understood from the course
content I have received
·
· What details will I need to research to show I have expanded my
knowledge
·
· How can I demonstrate I have used course content, research and
practical assignments as a basis for the conclusions in this piece of work.
·
· What can I add to this work that will show I have gone above and
beyond the expected standard ?.
Master this method and your assignments and questions will always be
high quality, relevant and worthy of that first class degree.
2. Make friends and collaborate – It’s going to be a difficult
and lonely road if you don’t make friends on your course. Aside from
companionship, a collaborative group will improve the quality of your work. Why
? I hear you ask. The reason is that you could be the smartest person in the
world but chances are someone else is going to think of an idea that you
wouldn’t have. If you are in a good group you will realize that you are not
competing against each other but you are trying to reach an academic standard,
and as long as you can agree on what is being asked of you (see above) and not plagiarize each others work, you should develop a collective foundation that
each individual can build upon with their own work.
A final note on this subject, if you want to increase your odds of
gaining a first class degree, make sure you surround yourself with good,
committed and hard working people.
3. Always give 100 % - Some people take the view that they will
coast through the first couple of years and then really turn it on in the final
year when it matters most. This is not the path to success. If you want a first
class degree you SHOULD TREAT EVERY ASSIGNMENT LIKE IT WILL BE THE ONLY
ONE YOU EVER GET GRADED ON. By putting 100% into every assignment or exam
you are not only increasing your average grade score you are also developing
the key habits that you will need in the later stages of your degree. These
habits will be the vital ingredients that your fellow students will lack when
it comes to the crucial final year and it will show in their results. So start
early in year 1 and always give 100% to everything you do.
4. Limit the leisure – University can be fun and exciting but if
you are serious about getting a first class degree you will need to limit your
leisure time so it doesn’t encroach on your studies. If you are continuously
missing lectures because you are hung over or not working on assignments so you
can hang out with your friends then things are probably not going to turn out
well for you. Remember no-one with a first class degree ever wished they had
partied more, but most people with 2:2s wished they had studied more.
5. Have a good enough ‘Why’ and make it personal ? – When you
have four deadlines looming, you’re tired, overwhelmed and your employed
friends have all the money and time in the world you will ask yourself - “Why
am I doing this”. The standard reason is “to get a good job” but this isn’t
very compelling especially if it is 3 years away. Another common reason is
“because my sibling went” or “my parents wanted me to go”. Again, these are not
good reasons because they will not give you the personal drive required in difficult times.
It would be wrong for me to advise what YOUR personal reasons should be but I
based mine around challenging myself everyday to become a better person and
develop habits that would serve me well in the future. For me gaining a first
class degree wasn’t about bragging, job prospects, a piece of paper or a funny
hat it was about being proud of the person I had become in pursuit of my goal.
6. Hardwork vs Difficulty - A first class degree is
difficult to achieve, not impossible but difficult. This is a good thing. If
they were easy to achieve everyone would have one and their value would go
down. Therefore, imagine that the first class degree is on the top shelf and
your hardwork is the ladder. I am not a genius, I wasn’t privately educated, I
wasn’t even in the top groups at school but I was willing to do whatever it
took to overcome the challenges the degree threw at me and that was the key to
success. So embrace the difficulty, counter it with hardwork and always keep in
mind that ‘you can’t fly without gravity’.
7. Beware of group work – I mentioned earlier the
importance of a being in a good group but sometimes the group members are
selected randomly and this may not work in your favour. Like with any group
situation there will be a mixture of temperaments, agendas and ability. Your
job is to make sure your work is the very best it can be to compensate for
others that aren’t as conscientious. Also if you volunteer to be the person
that consolidates everyone’s work into the final project it also gives you the
opportunity to amend or add to the weaker members work to improve the grade. I
know this isn’t fair on you but you may want to take the hit to ensure a good
grade. For more detailed information on group work check out my hub : How to managegroup assignments at University.
8. Check you are on the right course with your lecturers – At
University you are expected to work many things out on your own. You will be
given an assignment, allowed a few questions after the lecture and then sent on
your way. As a rule lecturers want to offer as little guidance as possible even
if it means some students produce poor quality work. After all the pay is the
same whether you succeed or fail.
As the master of your own destiny it is your responsibility to book time
with your lecturers and make sure you have interpreted the question correctly
and are on track with your research. This extra effort is viewed favorably by
lecturers and will be rewarded. They may not give you the answers but they may
give you some pointers that will save you some time and allow you to maximize your results.
9. Focus on what you don't know - Some areas of study will be
easier and more interesting than others and you will have a tendency to focus
on these and know them inside out. However, I can guarantee you that what you
have procrastinated on and failed to learn WILL be in your exam. It is in that
moment that you will learn two very valuable life lessons :
1. Ignorance is NOT bliss
2. What you don’t know WILL harm you.
Remember the more difficult the concept the greater ‘points’ you will
score for being able to understand it. If you want a first class degree you
will have to demonstrate that you understand the simple and the complex. In
summary, if you have holes in your knowledge, get them covered.
10. Time management – I almost feel uneasy about using this title
as it conjures up images of rigidity and discipline. When I was at university I
took a more flexible approach when it came to time management. I kept very
strange hours. I would get up late and work late. Some days I would just go to
lectures and not work on assignments at all and then some weekends when my
friends were partying I would work solidly.
This may not sound like the textbook (best) approach that you should
follow, so what is the underlying time management tip that earned me a first
class degree that I need to pass onto you?. Simple.
Always allocate enough time to get the job done !.
Some people can treat university like a job, work 9-5.30 and have
perfect balance in their life, others feel inspired at 3am and won’t stop
writing until 8am. Whatever your style is if an assignment requires 10 hours of
work - give it 10 hours, get it done and don’t worry about the ‘How’.
11. Meet deadlines
Deadlines are extremely important in many parts of life but they are
crucial if you want to achieve a first class degree. At my University the
penalty for late work was a 10% reduction in your grade so everyone avoided it
like the plague. Call in favors, burn the midnight oil whatever it takes but
make sure you get it in on time – every time.
If you liked this
article or would like to share your experiences or tips, please leave a
comment.
How to manage group assignments at university or college and get a good result
For a conscientious and hardworking student, group assignments at
University or College can be one of the most challenging elements of the
course. With normal assignments you can put in as much or as little effort as
you like and you know that you will be rewarded accordingly, however, with
group work you very quickly realise that your success (and part of your degree)
depends on the efforts of others.
When I wrote the hub ‘How to get a first class degree at college or university’ I included
a section on group work but felt that it was such an important (and potentially
difficult) area that I needed to elaborate and provide a specific guide. When I
was at University some people had highly intelligent, highly motivated and
hardworking friends in their group so they probably didn’t need a road map to
achieving a good grade as ‘many hands made light work’. However, my experience
was different I had a mixture of people in my groups from the highly
conscientious to the guys that would go AWOL only to turn up on hand in day
with half a sheet of paper to their credit.
You don’t go through years of frustration, graft and ‘herding cats’
without learning a thing or two, so here is the ultimate survival guide to
dealing with group assignments at university and college.
Understand the beast – This isn’t going to be easy. You will be
working with people from different backgrounds who have different ideas,
temperaments, motivations and agendas. You may be busting a gut for that First Class degree but others may be there just to keep their parents happy
or pass the time. Therefore, their commitment and ability may also differ. The
key here is to not dread or fight this, you just need to accept it and work
towards getting the best grade possible.
Strength in numbers – The first task to complete when you have
been assigned a group is to find out who the good, hardworking and
conscientious people are and align yourself with them. Let them know that you
are also like them and want to achieve the same result. This will not only
benefit you but they will also realise that it is in their interest to get to
know you. If you get this right you will establish the ‘core’ of the group.
These ‘core’ individuals will be the people that are going to have most influence
over the quality of the assignment/project. You need to be part of this
foundation and the foundation needs to be good.
Identify and cover the weak – Once you have identified the strong
members and built your alliances it is time identify the weak. In this context
the term weak is not a derogatory term used towards a person’s character, it
simply means that there are some people that are more likely to produce poor
quality work that will inevitably drag your overall grade down.
Thankfully, these
people are fairly easy to identify. They will be the members that
look bored, say they need to be somewhere else, are fooling around or are happy
to sit back and let everyone else do the work without offering any input.
Distribution of tasks (Damage limitation) – If you get this
stage right the chances of securing a good grade increase dramatically. Hopefully
by now you have established a core group of hard workers and identified the
deadwood. Now it’s time for a little common sense. GIVE THE HARDEST
MOST VALUABLE TASKS TO THE HARDEST WORKERS. Seems pretty simple but it is
often overridden by the fact that no-one wants to do tasks that are boring,
hard to understand and the most difficult. Unfortunately, these are often the
tasks that carry the most points so you don’t want them in the hands of your
deadwood. Someone is going to have to take the bullet from the core group.
When I was at university I always took the hardest tasks that no-one
else wanted to do. For a few reasons :
1. I knew I would put
in maximum effort and do a good job
2. These tasks often
made up a large part of the overall grade and I felt more comfortable if I was
responsible for it.
3. The harder the
tasks the more knowledge I gained and this would serve me well in future exams
and throughout my degree.
4. I couldn’t bring
myself to offload it onto someone else.
5. It opens the door
to making you the leader of the group and as the leader you have more influence
over the outcome of the assignment.
6. It makes you look
like a hero………………….a hero that is going to be working harder than everyone
else, but still a hero !.
So if you prioritise the tasks by number of marks they carry and you
take the hardest, the only thing left to do is distribute the remaining tasks
to other members starting with the core group and ending with the least
significant tasks being granted to the deadwood.
Won’t the deadwood be offended by the lesser tasks ?. No, not at all.
They will think it’s their lucky day because they get to do less work than
everyone else. Also, don’t be surprised if they still hand it in late !. Which
brings me on nicely to my next section….
Allow two days for collation – Agree with the core group to get
everyone to submit their sections two days before the deadline. As I mentioned
before there is strength in numbers so hopefully the deadwood will feel obliged
to try. The reason I suggest two days is to account for any late submissions
from group members and allow for any ‘amendments’ that need to be carried out.
Amend for success – It may be that once the core group
sit down with everyone’s submissions they find that there is little coherence
between the individual sections or worse some of the sections aren’t quite up
to par. This is decision time, do you re-write someone’s work for the
betterment of the grade or do you say “I’ve done my bit” and submit work you
know is substandard ?.
I have always chosen the former and worked alone or with other people to
improve some group member’s work before final submission. Yes, it was unfair as
I had already worked hard enough on my own task but at least I could sleep
easier at night knowing that a reasonable standard had been achieved.
Don’t overlook the
lesson – Group work is meant to be challenging. People will talk over
each other, go off on tangents, not listen, complain, not contribute and some
of your good ideas will get shot down. Believe it or not this is excellent
training for the real world and your working life. It is one thing to be the
master of your own destiny but you will soon learn that you won’t get far
without the co-operation of others. Negotiation, persuasion and assertiveness
are all key skills in the business world so learn the lessons early and build a
great foundation for your future.
Tuesday, 8 December 2015
FTSE 100 UK stock Return On Capital Employed (ROCE) list
After watching a video (3 tips for finding good companies) from Terry Smith
explaining why his fund Fundsmith Equity is so successful, I decided to follow his advice and take a look at some FTSE 100 stocks to see how they measured up.
In the video his first tip referred to Return On Capital Employed (ROCE). I had heard of this calculation before but had never looked into and applied it to prospective stocks. The first step was to learn what ROCE is and how to calculate it based on the financial reports from a company. I completed this step and then looked at 22 different FTSE 100 companies and calculated their ROCE percentage.
The results are as follows :
explaining why his fund Fundsmith Equity is so successful, I decided to follow his advice and take a look at some FTSE 100 stocks to see how they measured up.
In the video his first tip referred to Return On Capital Employed (ROCE). I had heard of this calculation before but had never looked into and applied it to prospective stocks. The first step was to learn what ROCE is and how to calculate it based on the financial reports from a company. I completed this step and then looked at 22 different FTSE 100 companies and calculated their ROCE percentage.
The results are as follows :
Company | Net Profit Before Tax 2014 | Net assets 2014 | ROCE % |
Admiral | 350.7 | 580.9 | 60 |
Astrazenica | 1246 | 19646 | 6 |
Aviva | 2663 | 12276 | 22 |
BAE | 882 | 1877 | 47 |
Barclays | 2256 | 65958 | 3 |
BATS | 4848 | 26167 | 19 |
BP | 4950 | 112642 | 4 |
Glaxo | 2968 | 4936 | 60 |
HSBC | 18680 | 199978 | 9 |
Imperial Tobacco | 1525 | 5696 | 27 |
Legal & Gen | 1413 | 6303 | 22 |
Lloyds | 1762 | 49903 | 4 |
Nat Grid | 2628 | 11974 | 22 |
RBS | 2643 | 60192 | 4 |
RDSB | 28314 | 172786 | 16 |
Severn Trent | 318.9 | 823.3 | 39 |
SSE | 592.5 | 5119.5 | 12 |
Standard Life | 422 | 4950 | 9 |
Taylor Wimpey | 468.8 | 2535.3 | 18 |
Unilever | 7646 | 14263 | 54 |
United Utilities | 543.3 | 2215.9 | 25 |
Vodafone | -5270 | 71781 | -7 |
Having reviewed the list it becomes instantly apparent why he uses this calculation as an initial filter. Applying this alone would save you from investing in the likes of Barclays, BP, RBS and HSBC which have all yielded terrible results for investors. However, it would encourage taking a closer look at Unilever, Severn Trent, Glaxo and BAE which are proven to be fundamentally sound.
If you like this post or would just like to contribute some thoughts, please leave a comment.
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