Coronary Disease: Take it to Heart

Posted by Nilesh Panchal on Saturday, August 7, 2010

You will be surprised to know that what you considered to be a irrefutable fact about heart attacks is actually a myth. Here’s separating fact from fiction on one of the most common conditions in the human system:

Myth:
The heart stops beating while suffering from a heart attack:
Reality: What we call a heart attack happens when the blood flow to the heart muscle is blocked and the blood starts clotting. Because it does not get blood supply, the heart muscle begins to die and this may cause pain in the chest. On the other hand a cardiac arrest is when the heart stops pumping blood and hence the victim will not breathe or have a pulse.

Myth:
Heart Attack can also be called a Stroke
Reality: There is a marked difference between the two: Strokes happen due to decreased blood flow to the brain and heart attacks are due to decreased blood flow to the heart muscle. Heart attacks are accompanied by chest pain and breathing difficulties, while strokes cause weakness to one side of the body, confusion and unconsciousness.

Myth:
Heart Attack Means Chest Pain Always
Reality: Though chest pain often accompanies a heart attack, more commonly it is the feeling of heaviness in the chest. More often than not, patients are weighted down by a feeling of doom, a premonition, which should actually be taken to heart and heed.

Myth:
Women feel heart attacks differently from men.
Reality: This is one of the most common myths and forms the content of several email forwards too! The fact is that a women having a heart attack is more likely to deny chest pain and for men to admit whole-heartedly to it.

Myth:
Heart Disease strikes during middle and older ages
Reality: One of the most dangerous myths, it assumes that in our younger years we are insulated from the killer disease. But the truth is that though manifestations of the disease start showing up in the middle years, the seeds for it have already been sown much earlier. Very often in childhood itself! Please ensure that your children adopt a healthy lifestyle and eating habits – for prevention is indeed the best cure.

Myth:
You have to get hot and sweaty during a workout to keep heart disease at bay
You don’t have to do an intense fitness workout to derive is benefits that go towards preventing a coronary disease. You simply need to become more active than you are, and avoid leading a sedentary lifestyle. Even half an hour or moderate, but regular physical activity is a good goal to have.
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Planning a home loan? Know the terms first

Posted by Nilesh Panchal on Monday, August 2, 2010

If you are thinking of taking a home loan, be aware of certain important terms before taking the plunge.

EMI

Equated Monthly Instalment. This is the instalment payable every month and is a fixed amount. The EMI is broken up into principal and interest.

PEMI

The disbursal of a home loan is made according to the completion stage of the property. When your loan is partly disbursed, you cannot start paying your EMI. Instead, you pay simple interest on the part amount drawn by you at the rate that is applicable to you. This is called PEMI.

Fixed ROI

Fixed ROI stands for the Fixed Rate of Interest. This means that the rate of interest remains unchanged through the entire tenure of the loan. It remains Fixed, irrespective of the drop in rates of interest in the market.

Floating ROI

The Floating Rate of Interest is one that fluctuates according to the market lending rate. This comes with a little risk as in case the lending rates go up, the loan bearer will have to pay more than the amount set aside for loan payment per month.

PF

When you fill in your home loan application form, there is a fees charged at the time of submission of the application form that covers expenses incurred for processing the application form. This is called the processing fees (PF) and has to be paid upfront by the customer.

IIR

The Instalment to Income Ratio (IIR) denotes the portion of your monthly instalment on your home loan. Very commonly used by Banks/ HFIs to calculate your loan eligibility, IIR is generally expressed as a percentage. Normally pegged at 40%, the IIR figure can vary on the basis of actual salary details, qualifications, employer / business, years of experience, growth prospects and sources of other income.

For example, if your IIR is 40 per cent and your gross income is Rs. 10,000 per month, then as per the IIR ratio you will be eligible for a loan where the instalment does not exceed Rs. 4,000 per month (40% multiplied by gross monthly income). Some banks peg IIR at even 55%, which increases your eligibility for a housing loan.

IC

In case the customer delays the payment of the monthly instalment, a collection team is sent to the customer’s house to recover the money. The expenses incurred on such occasions are called Incidental Charges (IC)

.LTV/ LCR

There is a limit on the maximum loan amount that a person can get for a property irrespective of the loan eligibility. LTV stands for the Loan to Value ratio while LCR stands for the Loan to Cost ratio. Banks/ HFIs use this to signify the loan amount that a person is eligible for on the total cost of the property.

Margin

Under a home loan, Bank/ HFIs fund only around 80% to 85% of the cost of the house. The remaining 20% to 15% has to be borne by the customer himself. This amount paid by the customer out of his own pocket is called the Margin or also the Own Contribution towards the cost of the house. The Margin amount is subject to the eligibility of the individual. (Image courtesy: GETTY)
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Test for Read More

Posted by Nilesh Panchal on Saturday, July 31, 2010

After the Jump is a feature which lets you create expandable post summaries in your blog posts, so longer posts appear as an intro with a link to Read More

Creating jump breaks in your blog posts can be easily done right from the post editor, without the need for any HTML changes. First, decide where in the post you want to create the jump break, and place your cursor in that position:
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What illnesses or conditions respond well to hypnosis?

Posted by Nilesh Panchal on Friday, July 30, 2010

Hypnosis is used in a variety of settings – from emergency rooms of dental offices to outpatient clinics – to relieve conditions with an emotional or psychological component.
Clinical studies suggest that hypnosis may improve immune function, increase relaxation, decrease stress, and ease feelings of anxiety.

Hypnotherapy is effective in reducing the fear and anxiety that accompany pain and uncomfortable medical or dental procedures. For example, when used during an operation, hypnosis may improve recovery time and decrease anxiety as well as pain following the surgery. Clinical trials on burn patients suggest that hypnosis decreases pain (enough to replace pain medication) and speeds healing. Generally, clinical studies indicate that using hypnosis can lessen your need for medication, improve your mental and physical condition before an operation, and reduce the time it takes to recover.
Dentists also use hypnotherapy to control gagging and bleeding.
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What is Hypnotherapy?

Posted by Nilesh Panchal on

Hypnotherapists typically use exercises that bring about deep relaxation and an altered state of consciousness, also known as a trance. Many people routinely experience a trance-like state while they are watching television or sitting at a red light. A person in a trance or deeply focused state is unusually responsive to an idea or image, but this does not mean that a hypnotist can control the person’s mind and free will. On the contrary, hypnosis can actually teach people how to master their own states of awareness. By doing so they can affect their own bodily functions and psychological responses.

How does hypnotherapy work?

When something new happens to us, we remember it and learn a particular behavior in response to that circumstance. Memories stored in our brains hold the original physical and emotional reactions that occurred when the given memory was first formed. Each time similar events occur again, the physical and emotional reactions attached to the memory are repeated. These reactions may be inappropriate or unhealthy. In some forms of hypnotherapy, the trained therapist guides you to remember the event that led to the first reaction, separate the memory from the learned behavior, and reconstruct the event with new, healthier associations.

During hypnosis, a person’s body relaxes while their thoughts become more focused and attentive. Like other relaxation techniques, hypnosis decreases blood pressure and heart rate, and alters certain types of brain wave activity. In this relaxed state, a person will feel very at ease physically yet fully awake mentally. In this state of deep concentration people are highly responsive to suggestion. If you are trying to quit smoking, for example, a therapist’s suggestion may successfully convince you that in the future you will have a strong dislike for the taste of cigarettes.

There are several stages of hypnosis. The process begins with reframing the problem; becoming relaxed, then absorbed (deeply engaged in the words or images presented by a hypnotherapist); dissociating (letting go of critical thoughts); responding (complying whole-heartedly to a hypnotherapist’s suggestions); returning to usual awareness; and reflecting on the experience.
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What is Reiki

Posted by Nilesh Panchal on Tuesday, July 20, 2010

Reiki is a Japanese word; “REI” means Universal and “KI” means Energy so Reiki is nothing but Universal Energy. Natural healing has been practiced in India and many other cultures since ancient times. Reiki was rediscovered by Dr. Mikao Usui of Japan. From Japan it spread to numerous countries throughout the world.

What is Reiki?

Reiki is a natural healing energy which heals and helps and provides peace and relaxation. Reiki is a natural healing system, subtle healing energy.

How does Reiki work?

Reiki promotes deep natural breathing, Reiki provides relaxation, Reiki spreads peace in cellular area, and Reiki finds the underlying cause/s and tries to remove the cause/s by releasing related blockages.

Examples of Uses of Reiki

Reiki can be used for so many purposes. Reiki works well with traditional medical treatments, and will not conflict with them. Reiki will complement and enhance them and will help build holistic health at all levels of our being. The areas where Reiki can be use are as follows

Stress Management
Sickness/Imbalance
Before/After Surgery
Phobia/Fear
Relationship Issues
Personal Development
Positive Projects
Spiritual Development
Harmonizing Emotions
Unfolding Potentials

There are many more areas where Reiki is used and has shown the positive effects. So Reiki is not a religion, Reiki is not a ritual, Reiki is neither a Black Magic nor superstitions.

Reiki is natural healing processes which can be learned by anyone who has interest in natural healing and has faith in healing.

Reiki Distant Healing

Reiki can be sent to a person who is not physically present. In distant Reiki a combination of Reiki, crystals and symbols can be used. As like Touch Healing a Distant Healing is also effective.
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