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Player safety: from necessary evil to competitive edge

first_img22nd July 2020 | By Joanne Christie Tags: Online Gambling Subscribe to the iGaming newsletter Casino & games Email Address Responsible gambling has become a hot topic today, an essential item on every company’s agenda. But it hasn’t always been that way, says Kindred’s Maris Bonello.The issue has raised eyebrows for many reasons in recent times, especially as failings in this area have been a major reason for operators to lose financial income due to fines from  regulators.With every regulator keeping a watchful eye on responsible gambling practices, operators are now dedicating increasing resources to the area. But when I started in the industry just a little over 10 years ago, it was hard to even comprehend a career in this field.In 2009 I was doing my MSc in psychology and sporting at least four part-time jobs. A friend of mine suggested that I join Unibet (now Kindred Group) as a fraud analyst because I knew how to play poker. My intention was to stay there until I had paid for my studies and then work as a psychologist. So how come after more than a decade I am still at Kindred?In 2011, I approached the head of legal and compliance and mentioned that I wanted to try and minimise the harm that gambling could cause for some people. I pitched the idea of a system that could see if a customer was chasing losses or feeling anxious because of their gambling, with the idea of intervening as soon as possible to minimise harm. I had a whole presentation deck prepared, but I got approval after the first slide.More than a necessary evil I started challenging the status quo and the idea that responsible gambling was a necessary evil. I thought we should view it as a differentiator – responsible gambling is how we build relationships and commit to sustainable profit, by not making money from those who cannot afford it.At Kindred, the Player Safety Early Detection System (PS-EDS) was set up at a time when most operators did not even have an responsible gambling manager in place. Looking back, this system was the best thing we could have produced in preparation for the demands different regulators are making now for proactive systems.Initially, there was quite a lot of tension around the idea. It was difficult for customer service analysts to comprehend why the company would want to contact customers who were losing. With PS-EDS, we started by using indicators based on communication, for example, if a customer was increasing their communication with us, or being impatient/abusive, this could indicate psychological strain, so we were approaching the customer with responsible gambling information. The problem with this was that we were still reaching the customer at quite a late stage, where substantial harm might already have been done. After a few months, we started looking at those who were chasing losses, so when a customer was increasing their deposits trying to get back what they had lost. I sat down with the marketing teams to try and understand their ways of engaging with customers so we could work out how to increase our customer base, but do so in a healthy way.In 2014, while most operators were still getting to grips with reactive tools such as deposit limits, we started looking at how to engage with customers to reduce their gambling. We employed tactics such as calling customers to discuss their gambling, using questions such as, “are you still enjoying your gambling?” This came with challenges and there were concerns that gamblers were self-excluding and we were losing a lot of our customer base. But what we also saw was that customers were engaging in self-control through deposit limits and therefore not needing to take a long-term break. Although there were a few hurdles along the way, Kindred allowed me to continue to build and optimise PS-EDS and we now have a system that looks at more than 20 indicators, which are based on empirical research. During the past 10 years I’ve had the opportunity to work on research projects with renowned researchers. These included work on the effect of limits with professor Mark Griffiths of Nottingham Trent University and professor Michael Auer of the Carinthia University of Applied Sciences in Austria. I have also worked with Dr Adrian Parke of the University of the West of Scotland and Dr Jonathan Parke, director of Sophro, on a project looking at problematic play through grounded theory.This work inspired me to continue my studies and I am lucky enough to currently be a PhD student under the guidance of Mark Griffiths. I am not restrained at looking into only specific things in this PhD and I am currently looking into untapped areas that could contribute further in this domain.Not an easy ride But I cannot say it has been an easy ride. I started at a young age in an industry that is quite male dominated. Though I was encouraged to speak at conferences by Kindred, I have been told off by other operators, who said I should “let the grownups talk” when I spoke up about responsible gambling. Despite my voice sometimes shaking, I still spoke my mind about harm minimisation and the role the industry should take, even when other operators were giving me sceptical looks. I started collaborations with treatment centres and was humbled to listen to stories about reformed problem gamblers and what they had been through.I am happy to see that things have changed now. Responsible gambling has become such an important topic that I am increasingly invited to speak at a lot of conferences and am now applauded for my honesty.Interestingly, I have also noticed a change in that before when I was speaking about responsible gambling, I would get the late afternoon session, but nowadays it’s always a slot during the prime time of a conference. It’s also really good to see that regulators are not afraid to discuss such topics and are quite open to discussing issues with operators most of the time.Looking back, it hasn’t been easy but it’s great for me to see responsible gambling having moved from been seen as a necessary evil that is often overlooked to a generator of sustainable revenue and something that gives operators a competitive edge.Maris Bonello is head of responsible gaming and research at Kindred Responsible gambling has become a hot topic today, an essential item on every company’s agenda. But it hasn’t always been that way, says Kindred’s Maris Bonello. Player safety: from necessary evil to competitive edge Regions: Europe AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Topics: Casino & games Legal & compliance People Sports bettinglast_img read more

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My plan to make returns of over 25% each and every year from investing in income and growth shares

first_img Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Enter Your Email Address Simply click below to discover how you can take advantage of this. Image source: Getty Images. Andy Ross owns no share mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. All investors want to make as big a return as they can from the stock market. Alongside time in the market and costs incurred, the percentage return achieved is one of the biggest contributors to growing your money. If you want to generate wealth through the stock market, you need to improve your performance and your returns. I’m aiming to make returns of 25% a year from income and growth shares.Pick quality income and growth shares To have any chance of reaching the ambitious target of 25% annual growth, I’ll need to pick quality shares. I think one way to do this is to look at shares that currently combine both income and growth. I’ll want to see that a company has a history of being able to consistently increase dividend payouts to investors while growing the share price.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…One way to assess a company’s performance is by looking at its earnings per share growth. That alone won’t be enough though. To get a more full picture of a company, I’ll want to see high and consistent levels of return on capital employed, high if not growing profit margins, and some sort of competitive advantage or unique selling proposition.Past performance is also an indicator, although, of course, I want to be optimistic and confident about the future prospects for any investment. Company management that has made consistently smart decisions in the past could well be able to keep doing so. That gives them a better chance of delivering value for shareholders. Simon Wolfson at Next seems to be a great example of this kind of director.Think long termTo make returns of 25% a year, I want to be entirely focused on pursuing my income and growth strategy. This means thinking long term while ignoring most short-term opportunities and volatile shares. I want to avoid being drawn into overtrading and racking up big costs. Instead, I want to focus on building a portfolio of quality income and growth shares that I’m confident holding.Mostly concentrate on active investing and ignore ETFsTo outperform the market I’ll mostly ignore trackers, unless they give me access to a market, commodity, or theme that I particularly want to have exposure to. To reach my goal, though, I will require very active investment. I will need to make sure my portfolio is consistently performing and that I’m generating new ideas and opportunities. I can’t expect – and no investor can expect – to achieve 25% returns by sitting back and letting a tracker do that work. It’s just not possible.Even if I end up not making returns of 25% a year – which is ambitious – if I can get close by setting myself the goa,l then I’ll be able to retire early. That for me is the biggest goal and beating the market is the way to do it. center_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Andy Ross | Wednesday, 14th October, 2020 Our 6 ‘Best Buys Now’ Shares My plan to make returns of over 25% each and every year from investing in income and growth shares “This Stock Could Be Like Buying Amazon in 1997” See all posts by Andy Rosslast_img read more

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The surprising link between HPV and head and neck cancer

first_img Please enter your comment! From Florida Hospital Apopka TAGSFlorida Hospital – Apopka Previous articlePut a little love in your heartNext articleWhy child care costs more than college tuition – and how to make it more affordable Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here May 2, 2018 at 7:42 pm Behind your bright eyes, big smile and unique voice are a lot of very important body parts; ones that help you sense the world, enjoy your favorite meal, get the energy to thrive, communicate with others, and simply make you, you.For just a second, think about how important that is to protect.Which is why we’re raising awareness about head and neck cancer by talking about the surprising link between cancers that affect the oropharynx (the back of the throat, including the base of the tongue and tonsils) and the human papilloma virus (HPV).The LinkAccording to the National Cancer Institute, an astonishing 70 percent of oropharyngeal cancers are likely caused by HPV, with over half of the cases traced to HPV type 16. The Centers for Disease Control and Prevention estimates that each year, HPV-associated oropharyngeal cancers affect more than 3,100 women and 12,638 men.HPVHPV is a group of more than 200 related viruses, which can be further grouped into low- or high-risk cancer-causing categories.  HPV is very common among adults, and most HPV types are not concerning. In fact, the National Cancer Institute states that only about a dozen high-risk HPV types have been identified as potentially cancer-causing, and only two types of HPV (16 and 18) are responsible for most HPV-caused cancer. It’s also important to note that most people who have even the high-risk HPV types do not get cancer.What You Can DoMany head and neck cancers, especially those of the HPV type, can be detected early, cured successfully, and possibly prevented entirely by doing these three things:1. Talk to your doctor and dentist about your risk factors for head and neck cancer.Most people do not know if they have HPV, more less a high-risk type that could increase cancer risk. This makes talking to your doctor about head and neck cancer prevention so important.If you have other risk factors, like a family history, lifestyle habits such as smoking or drinking alcohol, or are approaching the median age of onset for HPV-associated oropharyngeal cancers (62 for women and 59 for men), your doctor might advise a screening and prevention plan.2. Know the signs and symptoms of head and neck cancer.Head and neck cancers start with abnormal changes in the cells lining the surfaces of the throat or mouth. Since most people are not looking in their mouth, at their tonsils and at the back of their throat regularly, it is important to see trained medical professionals who can find these early tissue changes that you might not notice.You dentist and primary care doctor can perform head and neck cancer screenings at routine exams, looking for any suspicious changes to your oral tissues, masses or enlarged lymph nodes. It’s also important to be aware of the symptoms of head and neck cancers, and make an appointment to see your primary care doctor for an evaluation if you experience any of the following:A persistent sore throatA mouth sore that does not healTrouble swallowing, opening your mouth fully or moving your tongueUnexplained weight lossPersistent ear painAny lump in the back of the mouth, throat or neckChanges in your voiceUnusual cough, especially one that produces blood3. Live a lifestyle that promotes health and wellbeing.Protecting your body is hard work; you must make conscious choices daily to promote your long-term health and well-being. But, if you think about the reward (life!) it just might be worth all the effort.To reduce your risk of head and neck cancer:Avoid alcohol and all tobacco/smoking-related productsEat a diet rich in nutrient-dense foods, such as fruits and vegetablesSeek routine evaluations from your dentist and primary care physician Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom LEAVE A REPLY Cancel reply UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Mama Mia This is a very interesting article. I had not heard of the link between HPV and head and neck cancer. I just heard of something else very alarming, at least to me, there is a very rare eye cancer (melanoma) but it is occurring at a very high rate, in a town called Huntington, N.C., or is it Huntersville, not sure really, and it is usually extremely rare. We tend to think of melanoma as skin cancer mainly from the sun, but it is very dangerous period. This town is about 12 miles north of Charlotte, N.C. Also, at Auburn University in Alabama, there are several former students that attended there, that even know each other, and are friends, and they all have this extremely rare eye cancer! Scientists and doctors are baffled, but are researching as much information as they can, about the NC town, and the Auburn University students too, to try to find a common link, but so far have not. I know at least one of the students, has had her eye removed, and an artificial eye put in. Another student did not lose her eyes, but now her eye cancer has spread to her liver. Hers started with seeing flashes, and she went to the eye doctor, and he told her that her retina had detached, which is extremely serious anyway, but then during surgery, he discovered a mass or tumor behind it, that had caused her retina to detach. All that is scary to me, and truly I try not to think about it. I would define that as a cancer cluster, for sure. Google around about the subject, and you can find it, if you want to know more about it, on the internet. 1 COMMENT Share on Facebook Tweet on Twitter Florida gas prices jump 12 cents; most expensive since 2014 Reply You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment.last_img read more

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Apopka Police Department Arrest Report

first_imgRHODES, EDDIE RAY 6/4/2020 APOPKA 56 6/4/2020 DRUGS-POSSESS COCAINE 6/6/2020 APOPKA ORANGE COUNTY WARRANT OROZCO-MIRANDA, PABLO ELISEO Please enter your name here APOPKA 6/6/2020 OUT OF COUNTY WARRANT # 2019-CF-008005-A-O) FOR GRAND THEFT SECOND DEGREE ($20,000 OR MORE) AND ENGAGING IN THE BUSINESS OF A CONTRACTOR WITHOUT REGISTERED. APD Arrest Report for June 2nd-8thThe Apopka Police Department reported the following statistics:Calls For Service               1,346Traffic Citations                     20Crash Reports                       28Arrests                                 13 Save my name, email, and website in this browser for the next time I comment. 55 6/5/2020 55 FAUGHN, CASEY ONEIL HUGHLEY, JARQUAVIOUS MAURICE KIDNAP- COMMIT OR FACILITATE COMMISSION OF FELONY 6/6/2020 AGGRAVATED BATTERY 23 35 APOPKA HEALTH-SAFETY- VIOL DISASTER PREPAREDNESS EMERGENCY MGT You have entered an incorrect email address! Please enter your email address here LARC-RETAIL THEFT/SHOPLIFTING PETIT THEFT 2ND DEGREE THIRD SUBSEQUENT OFFENSE 6/4/2020 6/6/2020 DRUGS- POSSESS NEW LEGEND DRUG WO PRESCRIPTION APOPKA Name APOPKA 29 LEAVE A REPLY Cancel reply SIMMONS, GARY LEE 6/5/2020 6/6/2020 46 ORLANDO RHODES, EDDIE RAY 28 APOPKA ORLANDO Charges Date MOVING TRAFFIC VIOL OPERATE MOTOR VEHICLE WO VALID LICENSE 6/3/2020 6/6/2020 BATTERY-(FELONY THIRD DEGREE) ON PERSON 65 YEARS OF AGE OR OLDER The Anatomy of Fear OTHER AGENCY WARRANT APOPKA 21 6/3/2020 46center_img PAYNE, NARKEITH KEON APOPKA RESIST OFFICER- OBSTRUCT WO VIOLENCE 6/7/2020 HOMICIDE OTHER FELONY COMMIT ACT COULD CAUSE DEATH OROZCO-MIRANDA, PABLO ELISEO XOLXUC, JAVIER APOPKA Please enter your comment! BURGLARY- OCCUPIED DWELLING STATE OF EMERGENCY WHITE HART, JEREMY SHANE Share on Facebook Tweet on Twitter APOPKA TAGSAPDApopka Police DepartmentArrest Report Previous articleSurvey says … Orange Co. consumer confidence survey reveals optimism for COVID-19 recoveryNext articleWho is enforcing corporate mask policies? Denise Connell RELATED ARTICLESMORE FROM AUTHOR DRUG EQUIP-POSSESS- AND OR USE LARC-RETAIL THEFT/SHOPLIFTING PETIT FIRST OFFENSE 2ND DEGREE FIRST OFFENSE APOPKA OROZCO-MIRANDA, PABLO ELISEO 34 ORLANDO SIMMONS, GARY LEE OUT OF COUNTY WARRANT HIMES, CAREY MATHEW Age 6/3/2020 SIMMONS, GARY LEE DURDEN, SUMMER CHEYENNE 6/6/2020 55 6/6/2020 6/4/2020 38 55 RHODES, EDDIE RAY APOPKA City 46 APOPKA FONDARIO, MOLLY MAE APOPKA BELLIVEAU, ZAIDA LUZ CONDIT RELEASE VIOLATION- VIOLATION OF CONDITION OF PRETRIAL RELEASE LARC-RETAIL THEFT/SHOPLIFTING PETIT THEFT 2ND DEGREE THIRD SUBSEQUENT OFFENSE 6/6/2020 APOPKA WALKER, PHILLIP VERNON Support conservation and fish with NEW Florida specialty license plate 25 56 6/3/2020 Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 47 56 44 AGGRAV BATTERY- PERSON USES A DEADLY WEAPON APOPKA SIMMONS, GARY LEElast_img read more

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Arts Council funding gives Plymouth Music Zone opportunity to implement thankQ CRM

first_imgArts Council funding gives Plymouth Music Zone opportunity to implement thankQ CRM AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis PMZ selected thankQ CRM as it is a modular solution that is flexible and scalable and so can grow along with its charitable activity and fundraising. thankQ functionality will help PMZ develop a number of income generating activities, including individual giving, major donor development, trusts and grants fundraising and legacy management. In addition, thankQ will help PMZ improve its business processes, notably the capacity to quickly and easily pull off KPI reports to enable effective project monitoring and evaluation, in addition to impact measurement.thankQ’s integration with Twitter and facebook will also give PMZ the ability to develop relationships on platforms that are relevant and accessible to their key audience.Debbie Geraghty, Development Director for Plymouth Music Zone said of the appointment, ‘For us having a new CRM system is all about further developing and maximising the quality and impact of our work. A vital part of that is enabling our supporters and stakeholders to be more central to helping us reach out and transform people’s lives through music. We were very impressed with the capabilities and functionality of the thankQ system. In particular, the user interface and the potential integration with social media were big factors in our decision since we have such a growing online community’. Tagged with: ThankQ About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of Researching massive growth in giving.  107 total views,  1 views today Howard Lake | 26 March 2013 | News  108 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Plymouth Music Zone (PMZ) is an award winning music charity that believes passionately in the power of music to reach out and help transform the lives of some of the most vulnerable children, young people and adults across Plymouth and beyond. The charity is known as a Centre of Excellence for cutting edge community music, engaging over 1,000 disadvantaged children, young people and vulnerable adults with over 50 weekly activities, delivered by up to 25 music leaders.PMZ holds nearly 8,000 participant contact records on an Access database, nearly all of whom require restricted access rights around protecting vulnerable people. An Outlook database holds a further 2,000 contacts of partners and stakeholders. There is no supporter and donor database, with gifts being recorded with paper filing and records.The charity recognised that there would be substantial benefit in bringing these three core areas together into one integrated system, so, when the charity was awarded Arts Council England Catalyst funding, it was decided that part of the funding would be used to create a robust yet flexible CRM system to bring together data on participants, supporters and stakeholders in order to manage relationships effectively and sustainably. Advertisementlast_img read more

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U.S. Supplying More Than Half of the E.U. Soybeans

first_img By Hoosier Ag Today – Sep 23, 2018 U.S. Supplying More Than Half of the E.U. Soybeans Facebook Twitter Home Indiana Agriculture News U.S. Supplying More Than Half of the E.U. Soybeans SHARE Facebook Twitter SHARE The European Commission released a report that says American farmers are now supplying more than half of the European Union’s soybeans. Over a 12-week period from July through mid-September, U.S. soy exports to the EU were 133 percent higher than the same time period in 2017. Politico says the U.S. supplied 25 percent of the EU’s soybeans needs from July through mid-September in 2017, with that number growing to 52 percent of the EU’s soybeans in 2018. While the increase in soybean exports does provide some relief to American farmers, it still can’t replace all of the lost soybean sales to China.The U.S. exported roughly $587 million worth of soybeans to Europe during that 12-week period, which calculates out to $2.5 billion on an annual basis. China bought $12.3 billion worth of U.S. soybeans in 2017. That’s 60 percent of all U.S. soybean exports. As farmers know firsthand, those sales have dried up since China imposed a 25 percent retaliatory tariff on American soybeans, as well as a host of other U.S. ag exports in July. The E.U. figures show that U.S. farmers have replaced Brazil as the top supplier for Europe. That comes as Brazil has replaced the U.S. as the top soybean supplier to China.Source: NAFB News Service Previous articleHoosier Ag This Week: Tariff Tag and Harvest Progress ReportNext articleCommentary: The Part of Farming Non-Farmers Will Never Understand Hoosier Ag Todaylast_img read more

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Pregna International Ltd teams up with the Vayu Global Health Foundation to combat Maternal…

first_img WhatsApp Twitter By Digital AIM Web Support – February 9, 2021 Local NewsBusiness Pinterest Twitter Previous articleDassault Systèmes Introduces New 3DEXPERIENCE SOLIDWORKS Offers to Boost Maker Collaboration and Student EmployabilityNext articleSearch for Your Lost Identity as Xenon in New MapleStory M Update Digital AIM Web Support Pregna International Ltd teams up with the Vayu Global Health Foundation to combat Maternal Mortalitycenter_img Facebook WhatsApp TAGS  Pinterest Facebook Dr. Burke’s ESM-Uterine Baloon Temponade for saving millions of lives lost to Post-Partum Haemorrhagelast_img read more

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Which State Has the Highest Tax Burden?

first_img Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago April 15, 2019 2,016 Views The Best Markets For Residential Property Investors 2 days ago Moving costs can certainly add up quickly. However, when the movers have been compensated and the down payment or deposit has been paid, those who have moved across state lines may find the longer-lasting financial impact comes in the form of taxes. Moving from one state to another could cost or save homebuyers an average of up to $7,760 in taxes, and that’s not a one-time fee. That’s how much more would be owed or retained each year, according to a new study by Hire a Helper.Hire a Helper reviewed income, sales, and property taxes in all 50 states and the District of Columbia to determine the effective tax rate in each state. They then calculated a total local tax burden based on the median wage for each respective state.The highest total local tax burden is in the District of Columbia, where an average wage earner would spend about $9,730 in taxes per year. At the other end of the spectrum, Tennessee has the lowest local tax burden with an average wage earner spending about $1,970 per year. The difference is that $7,760, which is the highest average tax cost or savings between any two states.These compare to a national average of $4,066 per year in taxes. Income tax makes up the largest portion of this total at $1,655, followed by property taxes, which average $1,538 per year nationally.With state income tax claiming a major portion of total tax burden, it is no surprise that most of the states with the lowest total tax burdens were the same states that have no state income tax.“If you want a low tax bill, a smart strategy to get one might be to move to one of the nine states that levy no state tax on earned income,” according to Hire a Helper.The states that do not charge state income tax are: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming.Of these, the only one that did not land a spot on the list of 10 states with the lowest tax burden is New Hampshire.Following Tennessee with an average annual tax burden of $1,970, the states with the lowest tax burden are Nevada ($2,002 per year), South Dakota ($2,112 per year), Florida ($2,131), and Alaska ($2,274).The states with the highest tax burden following the District of Columbia with $9,730 are New York ($7,170), Connecticut ($6,782), Massachusetts ($6,368), and Illinois ($5,875).Hire a Helper also calculated an average effective tax rate for each state. The average effective tax rate for the nation is 8.2 percent of annual income.New York had the highest effective tax rate at 11.9 percent, followed by the District of Columbia and Connecticut both with an effective tax rate of 11.4 percent, Illinois at 11.2 percent, and Massachusetts at 10.3 percent.Alaska has the lowest effective tax rate at 3.9 percent, followed by Nevada at 4.4 percent, Tennessee at 4.5 percent, Florida at 4.8 percent, and Washington at 5.0 percent.To view the average tax burden and effective tax rate for each state, view Hire a Helper’s full report here. in Daily Dose, Featured, Government, Market Studies, News Share Save Related Articles Which State Has the Highest Tax Burden? Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img hire a helper Property Taxes tax burden 2019-04-15 Krista Franks Brock Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: hire a helper Property Taxes tax burden The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Which State Has the Highest Tax Burden? About Author: Krista Franks Brock Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and, MReport and She holds degrees in journalism and art from the University of Georgia. Previous: FHFA Welcomes New Director Mark Calabria Next: FHFA Appoints New Principal Deputy Director, Industry Reacts Subscribelast_img read more

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EAT needs more judges to curb waiting times

first_imgEmployersface average delays of 18 months before cases are heard at the EmploymentAppeal Tribunal, according to law firm Klegal.StephenLevinson, a partner and head of employment law at Klegal, said more judges are neededto sit at the EAT to prevent the length of time it takes for cases to be heardincreasing to two years.Levinsonsaid the average waiting period has risen from between five and six months in1997 and 1998 to current waiting times of about 18 months.Hesaid, “The courts need experienced High Court judges with a good knowledgeof employment law. Eight judges are needed to enable the six courts to be useefficiently.”MakboolJavaid, a partner at law firm DLA, said, “There is not only a problem ofgetting cases heard but also of receiving judgements. It is taking an extremelylong time for decisions to be communicated to parties,” he said. ADTI spokesman said changes to the tribunal system which come into force in Julywill cut the number of cases overall and ease the pressure on the EAT. Comments are closed. EAT needs more judges to curb waiting timesOn 22 May 2001 in Personnel Today Previous Article Next Article Related posts:No related photos.last_img read more

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Damage elevation

first_imgArecent decision by the House of Lords may have opened the door to higher claimsfor compensation from dismissed employees. benjimin burgher looks at the likelyramifications of the decisionInthe well-established case of Norton Tool Co v Tewson (1972) IRLR 86 it wasfound that the compensatory award for unfair dismissal is dependent on what is”just and equitable” when taking into account all the circumstancesregarding the financial loss of the applicant. But loss does not usuallyinclude injury to pride or feelings. However, a recent decision by the House ofLords in Johnson v Unisys (2001) UKHL/13 has extended the scope for dismissedemployees to claim further compensation under the Employment Rights Act 1996.So where does that leave employers?Factsin JohnsonWhenJohnson’s employer, Unisys, summarily dismissed him, he claimed unfairdismissal on the grounds that the company had failed to follow its owndisciplinary procedure. He claimed that he had not been given the opportunityto defend himself or to provide a full explanation for any of the allegationsmade against him. The employment tribunal upheld Johnson’s claim and awardedhim the then maximum compensatory award of £11,000.Johnsonsubsequently brought a claim in the county court for damages for wrongfuldismissal. The basis of his claim was that, as a result of the way he had beendismissed, he had suffered psychological problems that had made it impossiblefor him to find work. He claimed losses in excess of £400,000.  Johnson argued that, by dismissing him inthe way it did, his employer had breached the duty of mutual trust andconfidence implied in every employment contract. The county court struck outJohnson’s claim, holding that an unfair dismissal could not amount to a breachof the duty of trust and confidence. Johnson appealed.Courtof Appeal’s decision TheCourt of Appeal, (1999) IRLR 90, held that employees are not entitled todamages for injury to feelings or for loss of reputation caused by the mannerin which they are dismissed. In its decision, the court referred to theubiquitous House of Lords decision in Addis v Gramophone Co (1909) AC 488, andthe principle that an employee cannot claim damages for injury to feelings orloss of reputation arising out of the manner in which he was dismissed. Johnsonhad continued to argue that the way he was treated breached the implied termsof trust and confidence from which he was able to claim damages. He referred tothe House of Lords decision in Malik v BCCI (1997) ICR 606 in support of thisargument. According to the Malik case, damages can be recovered for financialloss, for damage to employment prospects or loss of reputation arising from abreach of contract. In Malik, Lord Steyn stated that the rule in Addis was inapplicablebecause the Malik claim was “based not on the manner of a wrongfuldismissal but on a breach of contract which is separate from and independent ofthe termination of the contract of employment”. Mannerof dismissalAsJohnson’s claim was based on his wrongful dismissal, however, the Court ofAppeal held that Malik was of no benefit to him. The alleged breach of theimplied term of trust and confidence did not alter the fact that Johnson’scomplaint was one concerning the manner of his dismissal. Consequently,Johnson’s claim that his employer’s decision to dismiss him in breach of itsown disciplinary procedures had caused him to suffer a psychological illness,which then made it difficult for him to find other work, was dismissed.Isthis an inconsistency? Thereis some uncertainty, underlined in the recent Court of Appeal decision of Gogayv Hertfordshire County Council (2000) IRLR 703. In Gogay, it was held that thesuspension of a residential care worker, pending the outcome of aninvestigation into an allegation that the employee sexually abused a child incare, was in breach of the implied term of trust and confidence. The employeewas entitled to damages for the psychiatric illness she suffered as a result ofthat breach. Givingjudgment in Gogay, Lady Justice Hale said that the case should be distinguishedfrom the Court of Appeal decision of Johnson. This is because the complaint inGogay related to a suspension, which involved the continuation of theemployment relationship. Gogay could therefore be distinguished on the groundsthat it did not involve a dismissal and that it related to psychiatric illnessrather than hurt feelings. In her decision, Lady Justice Hale stated, “Irecognise that this produces the strange result that, according to Johnson, thedefendant authority would have been better had they dismissed rather thansuspended the claim. That simply reinforces my view that the sooner thesematters are comprehensively resolved by higher authority or by parliament thebetter.”Noremedy at common lawJohnson’sappeal to the House of Lords provided a gilt-edged opportunity for thisapparent inconsistency to be resolved. However, despite a valiant attempt inthe partly dissenting judgement of Lord Steyn, the uncertainty prevails. Inshort, the principle in Addis is still only applicable to a dismissal and Malikis only applied to issues of breach of trust and confidence that do not extendto the termination of employment. Themajority decision in the Lords’ judgment, given by Lord Hoffmann, held that aseparately actionable remedy under common law for the manner of dismissal wouldbe inconsistent with the statutory system created by parliament in providing aremedy for unfair dismissal under Part X of the Employment Rights Act 1996. Compensationfor distressLordHoffmann also commented (although not required to do so) that compensationunder Part X of the Employment Rights Act 1996, could include compensation fordistress, humiliation, damage to reputation within the community or to familylife, as well as financial loss. LordHoffmann dealt quite briefly with this issue by saying, “I know that inthe early days of the National Industrial Relations Court it was laid down thatonly financial loss could be compensated (see Norton Tool Co v Tewson (1973)ICR 45; Wellman alloys v Russell (1973) ICR 616). It was said that the word”loss” can only mean financial loss, but I think that is too narrow aconstruction. The emphasis is on the tribunal awarding such compensation as itthinks just and equitable. I see no reason why in an appropriate case it shouldnot include compensation for distress, humiliation, damage to reputation in thecommunity or to family life.”Thisstatement seems to shatter a previous statement by Sir Hugh Griffiths inVaughan v Weighpack Ltd (1974) ICR 261 NIRC that, “While a dismissal maybe a distressing experience, that of itself is not a matter forcompensation…It is only if there is cogent evidence that the manner of thedismissal caused financial loss – as, for example, by making it more difficultto find future employment – that the manner of the dismissal becomes relevantto the assessment of compensation. …The court believes that it will only beon very rare occasions that it will be found that the evidence justifies anaward under this head. One would hope in any event that the decision of atribunal vindicating the employee by a finding of unfair dismissal, wouldrectify any temporary mischief that might have occurred as a result of thedismissal, whatever its manner may have been.”ImplicationsSowhere are we now? The statutory maximum compensatory award for unfair dismissalof £51,700 may provide an incentive for applicants to also claim distressarising from the manner of their dismissal. Highly paid employees may nowdecide to claim unfair dismissal in addition to their contractual claims. Lesswell-paid employees may attempt to claim for distress arising out of the mannerof the dismissal in order to pursue higher levels of compensation. However,the recovery of damages for distress, humiliation, damage to reputation in thecommunity or to family life arising from the manner of dismissal will be forthe applicant to prove. It will be necessary to plead these matters as separateheads of loss, and for evidence to be called in order for the applicant tosatisfy the burden of proof in relation to the loss. Applicants will also haveto overcome the difficult issues of causation and remoteness. This is likely tolengthen tribunal hearings and further formalise the employment tribunalprocedure. Theapparent inconsistency in the law remains, but there is likely to be muchgreater scope for applicants to argue for additional loss in employmenttribunals. Although the House of Lords in Johnson has firmly locked the door onthe pursuit of damages arising out of the manner of dismissal under common law,it seems that the key for another door has been provided.           BenjiminBurgher is a barrister at Norton Rose employment unit Damage elevationOn 1 Jul 2001 in Personnel Today Comments are closed. Related posts:No related photos. Previous Article Next Articlelast_img read more

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