Who Uses Interest Rate Swaps?

June 30th, 2014 by admin
0

The benefits of interest rate swaps are incredibly specialized, which means that they are not an investment opportunity for most private individuals. Those that choose to use interest rate swap claims through a London Clearing House are often firms, companies and banks. These types of commercial institutions have the most to gain from interest rate swaps and specified swap rates.

What is an Interest Rate Swap?

An interest rate swap is an agreement between two parties to exchange interest rates. Interest rate swapsare often the exchange of a floating rate for a fixed rate, but it can also be a fixed rate swapped for a floating rate. The motives of the commercial institution in question are the deciding factor behind the type of interest rate swap that occurs. A fixed rate is a rate that remains constant at all times, but a floating rate fluctuates based on the LIBOR.

What Are The Benefits Associated With Interest Rate Swaps?

Manage Risk

The main reason that interest arte swaps are so specialized is due to the fact that the advantages are more specialized. Risk management is one of the main benefits associated with interest rate swaps. This means that firms, banks and companies have the ability to manage risk more effectively by swapping rates. This might mean swapping a floating rate for a fixed rate and getting access to a consistent rate. However, it might also means swapping a fixed rate for a floating arte and getting exposure to the LIBOR at a favorable time. No matter the type of swap, the goal of better risk management is still the same.

Agreement of Terms

Whenever a cross currency swap is agreed to by two parties, there are some terms that must be identified from the onset. This includes the duration of the swap. This means that both parties have to identify and agree to when the swap will begin and when the swap will end. It is also important for both parties to agree to terms for the types of payments that will be accepted.

Interest rate swaps are the exchange of cash flows based on rates, so both parties have to determine when the cash will be swapped. Sometimes this is done intermittently during the duration of the swap, but it is sometimes paid in full at the end. In the end, credit default swaps are designed for banks, firms and companies looking for better risk management.

Posted in Uncategorized

Physiotherapy for Knee Pain

June 5th, 2014 by admin
0

As I’m sure you’ll know from reading the “about” page I LOVE playing various sports and generally keeping in shape. I play basketball and cricket every week for my school team. Unfortunately, I’m having a bit of trouble after my last training session for b-ball. I think I landed awkwardly after jumping and my foot and knee are now experiencing a sharp pain when I bend them. After a visit to an Osteopath, I was referred to a Chiropodist who explained everything to me.

Apparently, most chronic knee pain is not only treatable but also avoidable with exercise and physiotherapy and just as effective as surgery. By learning how stretch, move and strengthen your knee and surrounding muscles you can take care of you knees, one of the most important bones in our body.

Common Cause of Chronic Knee Pain

1. Ligament injuries:Ligaments are fibrous tissue that connects bones. The ligaments that connect your thigh and lower leg bones keep your knee stable; these include the anterior cruciate ligament (ACL), medial collateral ligament (MCL) and the posterior cruciate ligament (PCL). It’s very common for knee ligaments to tear or sprain resulting in chronic pain.

2. Cartilage tears: In the knee there are cartilage tissue areas known as menisci, which act as shock absorbers. The menisci on the inside of the knee are known as medial meniscus and lateral meniscus on the outside of the knee. It’s very common for the cartilage to become damaged or torn.

3. Arthritis: Arthritis is one of the most common sources of severe knee pain though it’s more common in people over the age of 40. There are 3-types of arthritis that can cause pain and disability and they are:

  • Osteoarthritis: This is the most common type of arthritis. Unfortunately it happens as a natural result of the wear and tear of life on the cartilage around the knee. Osteoarthritis causes pain, disability, stiffness, joint swelling, tenderness and weakness.
  • Rheumatoid: This is an autoimmune disease that causes chronic inflammation and affects the lining of your joints which causes swelling, bone erosion, loss cartilage and potentially joint deformity.
  • Post-traumatic arthritis: Knee injuries are common and post-traumatic arthritis can be a result of serious injuries including to the bone and ligaments around the knee. This can cause damage, pain, swelling and stiffness in the cartilage of the knee.

How a Physiotherapist Can Help

If you have any type of knee pain, swelling, stiffness or tenderness of the knee it’s important that you seek medical help to help ensure the healthy recovery of your knee. Physiotherapy is essential to both the treatment and prevention of knee pain. After your Physiotherapist collects you’re past history report and does a thorough physical analysis they will diagnose the source of chronic knee pain and arrange a treatment plan. Common treatments for knee pain include:

  • Hands-on techniques: Your physiotherapist will use hands-on techniques including gentle gliding, joint manipulation, minimal energy techniques, massaging, knee-taping techniques and knee muscle stretches.
  • Exercise prescription: One of the most effective ways to treat knee pain and injuries is exercise therapy. A physiotherapist knows the best exercises and routines for your specific injury to rehabilitate your knee.
  • Biomechanics: Your physiotherapist will examine and analysis your biomechanics to understand your musculoskeletal system and how it might be affected or affecting your knee problem. They will provide education programs and weightlifting techniques so that your body can relearn proper movements.

Other common treatment methods include: braces, ice and heat, gait analysis, electrotherapy, kinesiology taping, and TENS machines.

A physiotherapist will finally give you an answer and solution to the pain that has been bothering your knee or preventing you from being as active as you would like to be. On the other hand they can provide a long-term treatment plan for individuals with arthritis who are worried about losing their mobility.

Let a physiotherapist use the specialised and expert knowledge of the human body to restore your knee back to health. If your physiotherapist feels that there is someone else better equipped to handle your injury, they will refer you; if you have a back injury, they may refer you to a Chiropractor.

For more info on possible causes of knee pain, watch the video below!

Posted in Uncategorized