Saturday, June 19, 2021

The Growth Story


 SIP - The Growth Story

Life is full of SIPs.
When we go jogging, swimming or gymming we are doing SIP. Regular exercises makes our body reward us and we experience growth in terms of stamina, muscles and overall health. SIP leads to growth.
SIP IN STUDIES : When we study regularly our mind rewards us by way of growth in our 'intellect'. SIP leads to growth.
SIP IN WORK : When we do our work with regularity whichever field we may be in, we experience growth. We are able to work faster and deliver not only more volumes but better value of work as well. Our work rewards us. SIP leads to growth.
SIP IN INVESTING : When we invest in Equities vide the SIP route, we experience growth in wealth over the long term. Our investment reward us. SIP leads to growth.
But when we invest in Fixed Deposits, our SIP discipline remains unrewarded. Over here the investment does not reward us.
Despite regular investing over a long period of time we don't experience growth in wealth. Typically whatever growth is seen gets nullified by inflation.
In FDs, it does not lead to growth.
In conclusion, SIP in its true sense causes an asset to grow ; be it health, be it intellect, be it performance be it wealth of equities.
Through this lens of growth, investing by way of SIP in FDs is an anomaly because the wealth does not experience growth.
Name: Devarajan S
Firm Name: Devarajan, Insurance Advisor
Mobile: 9840177017
Email: customerwin@gmail.com
Email: myfamilyagent@gmail.com

Thursday, June 10, 2021

Bike & Life Insurance

 



*Brakes and Life Insurance*
Once in a physics class, the teacher asked the students, *“Why do we have brakes in a car?”*
!!
Varied answers were received:
“To stop”
“To reduce speed”
“To avoid collision” etc.,
But the *best answer* was,
*“To enable you to drive faster”*
This statement is difficult to understand but it is true.
*If you have no brakes in your car then how fast will you drive your car?*
It’s *because of brakes that we can dare to accelerate, dare to go fast and reach destinations* we desire.
At various points in life, we find risks like the following.
1. *Early Death*
2. *Medical Sickness*
3. *Accidental Injury*
4. *Accidental Permanent Disability*
5. *Difficulty in Education and Marriage of Children* due to Early Death
6. *Difficulty in Survival of Spouse* Due to Early Death
Without brakes in a vehicle, you could have skid, lost direction or met with an unfortunate accident. *Brakes in a vehicle are for your safety and well-being and helping you reach your desired destinations on time.*
Similarly, Life Insurance can actually act as a brake which will Compensate for Financial Loss due to death and other difficulties mentioned above. Thus *Life Insurance would stop Death and Other Difficulties from Damaging Your and ylYour Family's Life.*
*Appreciate the “brakes” in your life.*
Use them wisely and take good care of them.
*Buy the Brakes of Life Insurance, Health Insurance, retirement planning and Accidental Insurance Today and Securely Drive the Vehicle of Your Life.*
Call 98401 77017 Devarajan for Ur needs, Services

Taxi

 

Imagine a large taxi company has 20 percent yellow cabs and 80 percent red cabs. That means the base rate for yellow taxi cabs is 20 percent and the base rate for red cabs is 80 percent

If you order a cab and want to guess its color, remember the base rates and you will make a fairly accurate prediction. But it has been seen that we tend to neglect the base rate.

One of the reasons we find ourselves ignoring the base rate is that we focus on what we expect rather than what is most likely.

For example, imagine those cabs again: If you were to see five red cabs pass by, you'd probably start to feel it's quite likely that the next one will be yellow for a change.

But no matter how many cabs of either color go by, the probability that the next cab will be red will still be around 80 percent – and if we remember the base rate we should realize this.

But instead we tend to focus on what we expect to see, a yellow cab, and so we will likely be wrong.

And this happens with Equity returns where short term focus drives us away from the base rate.

We miss out on –

1) It's cyclical but very unpredictable nature.

2) The fact that over the long term it climbs.

If one were to simply to follow this principle, then it would become easy to figure out how one must invest ; i.e to do an SIP over the long term.

But this seldom happens.

instead of understanding the base rate, we tend to focus on the recent rate.

So if recent returns have been good we start expecting good returns going forward and if recent returns have been bad we expect this trend to continue even though base rate seems to say something different.

Therefore the best steps to investing are:-

1) Recent spate of great returns could mean low returns going forward and vice versa.

2) Since timing the market is virtually impossible just keep investing regularly by following the SIP method

3) Since base rate indicates clearly that in the long term returns move upwards, have the patience to live through the ups and the downs.

Name: Devarajan S

Firm Name: Devarajan, Insurance Advisor

Mobile: 9840177017

Email: customerwin@gmail.com

Email: myfamilyagent@gmail.com

Website URL: http://starhealthdevarajan.com/

Saturday, May 29, 2021

Story of the Week

 


The Secret of Human Freedom is to act Well, without Attachemnt to Result

 Quite thought provoking indeed...

1) Dhritharashtra was attached to his eldest son
Result : Destruction of all his sons
2) Kaikeyi was attached to her son
Result : Despised by her son and separated from him
3) Dushasana was attached to his Duryodhan
Result: His painful end due to his brother
4) Kumbakarna was attached to Ravana
Result : His own destruction due to Ravana's evil deed
5) Duryodhana was attached to his crown
Result : Was not alive to enjoy the kingdom that he fought for.
6)Vaali was attached to his strength
Result : His strength could not protect him from reaching his end
The list can go on ....
What is the learning ?
Whatever we are attached to is a clear indication of where we our life is heading and how it is going to end
We create the blue print of not only our own destruction but also of whatever we are attached to .
So what is the solution?
Be attached ! !
But just change the object of attachment
Be like HANUMAN - who was only attached to the Lord
Be like VIDURA - who was only attached to Dharma
This will automatically make us objective and detached from everything else and we will be positive contributors to society as well
In personal finance, till such time we are attached to money, our greed and fear between themselves will wreck huge destruction upon our money by making us insatiable speculators.
Hence stop chasing money, chase meaningful goals like children's education, their marriage, their career, your retirement, your dream business, your desire to give back to the society.
Any of these is better than chasing money for the sake of money.
Name: Devarajan S
Firm Name: Devarajan, Insurance Advisor
Mobile: 9840177017
Email: customerwin@gmail.com
Email: myfamilyagent@gmail.com

Sunday, April 4, 2021

Bariatriatic Surgery

 The Only Mediclaim Policy at present Which covers Batriatic Surgery. Star Comprehensive Insurance Policy covers bariatric surgery and hospitalisation expenses for this procedure to a maximum of Rs 2,50,000 during the policy period*.

A fat lot of good, or is bariatric surgery helpful?
With India zooming into the fifth position on the obesity list, the number of people opting for bariatric surgery is on the rise.
CT explores the trend
With a body weight of 250 kilos, Salah was prescribed by his doctor to stick to sitting as even a single wobbly step could be fatal for him. Talking, walking and even breathing was a struggle for him. He was desperate and had no patience for a diet-and-exercise routine.Hence, he turned to surgery . Salah says, “I heard about bariatric surgeries, and spoke to the doctor.Over a period of time, they performed the surgery on me. I'm now 160kg, and still in the process of losing weight by following a diet. Now, I can walk properly and even take the stairs. Life is better now.“
Like Salah, there are many others who are opting for bariatric surgeries. A new study has found that India stands at number five on the list of countries with the most number of obese people.With obesity also on the rise in Tamil Nadu, many people are resorting to bariatric surgeries to lose weight. But not many people know the difference between bariatric surgery and liposuction. And not many understand how it helps those who are morbidly obese to lose weight. Chennai Times speaks to experts in the field to explore the various facets of bariatric surgery ...
WHAT IS BARIATRIC SURGERY?
Dr Raj Palaniappan, director and chief bariatric surgeon at a city hospital, says, “Obesity is on the rise in India (any person whose BMI is 30 and over is considered to be obese). Tamil Nadu has one of the highest obesity rates in the country , and Chennai, the highest number of morbidly obese people, owing to our high-carb diet. Since obesity increases the risk of heart disease, high blood pressure, diabetes and cancer, in some cases, many people opt for surgeries to lose weight. For this reason, bariatric surgeries are on the rise. We don't perform surgeries just like that on anyone.We have certain guidelines to follow. The first thing is BMI. The international criteria to do bariatric surgery on someone is if heshe has 32.5 BMI or over. We then evaluate their medical history and do the procedure.“
So, what happens during the surgery? “Doctors either remove a portion of the stomach to make the stomach look like a sleeve (sleeve gastrectomy) or reduce it using an implant (gastric banding). For people with morbid obesity (person whose BMI is over 40), the stomach is made smaller, which helps restrict entry of food into the small intestine (gastric bypass). This reduces the intake of food and absorption of calories. There are different types that we follow according to the person's weight and risk involved. We also do it by sittings, again depending on their weight,“ says Raj. And bariatric is not given as an option for all.Dr Deepak Subramanian, consultant ­ minimal access and bariatric surgeon, says, “If they are on the borderline, we take them through a medical management structure. We counsel them on food habits, alter their lifestyle, give a customised diet plan and suggest fitness activities. Many people have lost weight through this approach. But if the risk is greater, only then we suggest bariatric surgery. But even for this, we assess if they are fit for the surgery . Some people might have issues like diabetes or respiratory prob lems, so we go through a pre-opera tive procedure first and then go in for a surgery . Many people still think that it is a cosmetic proce dure, but it is not.“
The procedure can be anywhere between 30 minutes and two hours.
IS IT RISKY? The risk percentage is not too much says Dr Raj.
“ T h e risk of s u c h s u r g e r ies is around 7-8%. We are on par with international standards,“ says Raj. Agrees Deepak, “There are very few bariatric surgeons in the country who have proper license to perform such procedures.So, the risk factor is less as we follow international standards. But there is a surgical risk like any other procedure and long-term risk if people don't do regular follow-ups.“
POST-OPERATIVE CARE IS IMPORTANT
While many associate this surgery to be a onetime solution, doctors advice that it is important to come for regular check-ups. Dr Raj says, “Any surgery requires post-operative care. Bariatric surgeries are not a one-stop solution. We ask patients to come for follow-ups every few months. We constantly monitor their diet and keep making some alternations. Also, some nutritional elements are lost during the process.So, we put them across to the nutritionist who gives supplements. We create awareness about all this in the first sitting itself. No matter how much weight you have lost, you need to follow a healthy lifestyle for life.“
But there have been a few cases of relapse as well. “People who have undergone the surgery might not be regular with their food habits or in their intake of supplements. So, they might have put on a few kilos in a span of few years. So, we see if it can be corrected through diet management or if it needs follow-up surgery,“ says Deepak. What about battling issues like skin sagging post surgery? “This is corrected only through a cosmetic surgery,“ says Raj.
Flora Ambani, who went through a bariatric surgery, says, “I did bariatric sur gery on the advice of my doctor. I was weighing 125kg and was unable to sleep properly. Even if I did, I was snoring a lot and wasn't able to move around properly .
But after the surgery, I lost around 20kg. I still continue to lose weight. I am in regu lar contact with my doctor and continue following a healthy lifestyle.“ A lot of celebs, too, have opted for surgeries.
WOMEN OPT FOR SURGERIES MORE THAN MEN
Interestingly, women opt for bariatric surgeries than men. Talking about male-female ratio, Dr Deepak says, “They are more obese and at the same time, are also conscious about their health and appearance. Also, women face a lot of infertility issues when they are obese. This is one of the reasons why they opt for surgeries more than men.“
OBESITY AND THE HEART
Doctors say that obesity increases cardio vascular risk four-fold.Cardiologist I Sathyamurthy says, “In India, more than 15% people are obese. Factors like physical inactivity, high-calorie diet and thrifty gene (genetic problems) contribute to obesity. And this increases the chances of getting cardio vascular problems, which, in turn, reduces life expectancy. Other issues like high BP, diabetics, sleep apnea and cardiac rhythm problems are also associated with it. Having a healthy diet and regular exercise can only help you lose weight. Only if you have gone beyond that, doctors opt for bariatric surgeries,“ says Sathyamurthy. He also adds that even slim people should get their fat percentage checked. “A lot of visceral fat in their body (fat percentage in the stomach) might contribute to health issues. So, they must keep a check on the BMIs and fat percentage,“ he adds.
SURGERY IS NOT THE ONLY OPTION
Adnan Sami For singer-musician Adnan Sami, surgery was not an option. “I was weighing more than 100kg. I considered bariatric surgery first since it was impossible for me to lose weight. I even met the doctor, but he asked me if I would be able to lose weight by following a proper diet. I then met a dietician overseas, who gave me customised chart. It took over a year to see a considerable change. I was happy, though. It is undoubtedly difficult, but with the help of a good support system, I was able to achieve it. Till today, I follow a certain lifestyle to maintain the weight.“
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