OVERVIEW:

There are 2.1 billion obese people in the world. We in India have 97 million people with obesity, out of which 25 million (6% of our total population) are morbidly obese. Urbanisation has been implicated as the strongest risk factor for obesity in India.

The incidence of obesity in children is also on the rise as shown by school surveys in Indian cities, where nearly 30% of adolescents from India’s higher socioeconomic groups are overweight.

Technology and globalization has gifted a new kind of disease to mankind i.e. obesity and diabetes.This new disease is called “DIABESITY”. This is a great challenge to all agencies including the government, NGO’s, & public at large.

OBESITY:

According to the National Institute of health(NIH) an increase of 20% or more of your ideal body weight is the point at which excess weight becomes a health risk. Obesity can be calculated by a parameter called BMI (body mass index). This is calculated by weight(kg) /height(m2).

Classification of Obesity:

BMI(Kg/m2) NIH IFSO

19-24.9 Normal Normal

25-29.9 Overweight Overweight

30-34.9 Class 1 Obese Moderate Obese

35-39.9 Class 2 Obese Severe Obese

>40 Class 3 Obese Morbid Obese

>50 Class 4 Obese Super Obese

Obesity does not come alone. It is just not a matter of looking ugly or asymmetrical, infact it is associated with number of life threatening co-morbid conditions.

Some of the common co-morbid conditions associated with obesity are:

o Diabetes type 2.

o Hypertension and heart disease.

o Osteoarthritis of weight bearing joints.

o Sleep apnea and respiratory problems.

o Gastroesophageal reflux disease and heart burns.

o Depression.

o Infertility.

o Fatty liver and hepatic lipidosis.

o Skin breakdown.

o Swollen legs and skin ulcers.

o Urinary stress syndrome.

o Menstrual irregularities.

o Lower extremity venous stasis.

o Dyslipidemia.

o Pulmonary embolus

o Cancer.

MEDICAL TREATMENT:

Most nonsurgical weight loss programs are based on combination of diet, behaviour modification and regular exercise. Unfortunately, medical treatment has proven to be effective for only a small percentage of individuals. It is estimated that less than 5%, of individuals who participate in nonsurgical weight loss program will lose a significant amount of weight and maintain that loss for a long period of time. According to NIH most people in these programs regain their weight within one year called the

“yo-yo effect”.

WEIGHT LOSS SURGERY (BARIATRIC SURGERY):

Weight loss surgery (Bariatric surgery) has provided the longest period of sustained weight loss in patients for whom all other therapies have failed. Bariatric surgery is a major surgery and should be viewed first and foremost as a method for alleviating a debilitating disease. A meta-analysis of more than 22,000 patients who underwent bariatric surgical procedure showed a complete resolution or improvement of their co-morbid conditions along with weight loss.The indications for bariatric surgery are:

BMI >32.5 with at least two co-morbid conditions

BMI > 37.5 with or without co-morbid conditions.

There are two basic approaches to bariatric surgery according to the mechanism of action.

Restrictive Procedures: It works on the principle of restricting the diet intake of the patient. The procedures are:

Gastric Banding

Sleeve Gastrectomy

Malabsorptive Procedures: Malabsorptive procedures alter digestion, thus causing the food to be poorly digested and incompletely absorbed so that it is eliminated in stool. In addition to restriction, these techniques involve a bypass of the small intestine, limiting the absorption of calories. The commonly done malabsorptive procedure is Roux en Y Gastric Bypass.

All the above mentioned procedures are being done routinely by LAPAROSCOPY (key hole surgery). The advantage of laparoscopy is:

o Faster recovery with reduced post-op pain

o Minimal blood loss,

o Short hospital stay( 3-4 days)

o Better cosmetic results

o Early return to work.( within 7-10 days)

PROCEDURES:

LAGB (Laparoscopic Adjustable Gastric Banding): Purely restrictive procedure. In this a silicone band is placed around the uppermost part of the stomach. This band is adjustable by an access port kept under the skin. The band divides the stomach into two portions: one small and one large. The small pouch gives early satiety hence patient eats very small amount of food, gets satisfied with it, and ultimately gains its goal of dieting voluntarily. This is a reversible procedure but it requires follow up in OPD for band adjustment.

Laparoscopic Sleeve Gastrectomy: Essentially a restrictive procedure. It involves cutting and stapling 75% of the stomach and leaving in place 25%(100ml) of gastric tube along the lesser curvature of the stomach. It also decreases appetite as with the removal of fundus of stomach,the appetite stimulating Ghrelin hormone is also removed. This is an irreversible procedure but it does not require frequent followup in the OPD.

Laparoscopic Gastric By-Pass: This is a combination of restrictive and malabsorptive procedure. In this procedure a small stomach pouch (30cc) is created by stapling and then a large length of small intestine is bypassed to join with the stomach pouch. It therefore restricts the intake of food and also produces higher levels of malabsorption. Compared to the other two procedures long term weight loss is more in this procedure. It is a major surgery and therefore has more complication rate along with certain nutritional deficiencies eg. Iron deficiency, Vitamin B12 deficiency and Calcium deficiency.

Metabolic Surgery: Today bariatric surgery is also known as metabolic surgery as it treats “DIABESITY”.i.e. diabetes and obesity. Recent evidence suggests that a small amount of weight loss reduces the effects of Type 2 diabetes, in fact many patients have completely eliminated their blood sugar problems after losing a significant amount of body weight.

LIFE AFTER SURGERY:

Diet: Some of the generally accepted post surgical guidelines are:

o Chew thoroughly

o Not to drink fluids while eating.

o Omit desserts.

o Omit carbonated drinks.

o Avoid alcohol.

o Limit snacking between meals.

Going back to work: Most patients return to full presurgery levels of activity within two weeks.

In conclusion surgery combined with behavioural modification, is currently the only proven method of achieving long-term weight loss for the obese.

July 14th, 2010 by blythe100 in Uncategorized | No Comments

We live in interesting times – interesting yet volatile! In such times, where there are no guarantees on life, Life Insurance is the only assurance that you have to guard you and your loved ones against the unknown and the unforeseen. Insurance is essentially a pact between the insured and the insurer. The insured pays the insurer a certain amount of money at fixed intervals as a premium in lieu of which, the insurer pays a certain sum assured in the event of death or on maturity of the policy.

In the past, people would go in for rather conventional insurance policies which were typically term policies or endowment policies. The sum assured in these insurance plans are guaranteed and pre-decided. These plans mostly gave the insured insurance for life, health and sometimes linked with life long pension paying scheme. However, although these old plans provide a safety net, they are outdated owing to the spiraling cost of living. They do not yield high returns and the premium paying term is rather long.

A decade back, the younger generation was not as aware of the need of insuring oneself as today’s youth. Today, not only are we interested in insurance, we have learnt that investment and insurance can take place at the same time and with the same amount of money.

The business of life insurance has seen a paradigm shift. Today, insurance is not just a form of protection against the untimely and unfortunate incidents of life but also an active form of investment in the equity market. The whole concept has changed with more and more private sector companies jumping headlong into this arena. Gone are the days where people went in for government sector companies and played it safe. The risk appetite in general has increased hence Unit Linked Insurance Plans or ULIPs are ruling the roost. These ULIPs invest the insurers money in the market and not only promise life protection but also make your savings grow substantially.

With increasing awareness among the common man, the modern plans have handed over the controls to the insurer. Almost all these plans can be customized as per the insurer’s needs. They have a lot of flexibility in terms of premium, term and riders. They come attached with a host of optional riders like accidental death, critical illness and premium waiver benefits. Liquidity, loan against policy and tax benefits have made them more alluring than ever before.

Life Insurance Corporation of India or LIC, as we commonly know it, was once considered the insurance giant but now it has made way for insurance biggies like AEGON Religare, Aviva, Bajaj Allianz, Bharti AXA, Birla Sun Life, Canara HSBC Oriental Bank of Commerce Life Insurance Company, DLF Pramerica, Future Generali, HDFC Standard Life Insurance Comapny, ICICI Prudential, IDBI Fortis, India First Life, ING Vysya, Kotak Mahindra, Max New York, Met Life, Reliance Life, Sahara India, SBI Life, Shriram Life, Star Union Dai-ichi and Tata AIG.

With the increasing life expectancy, it makes sense to make ample provision to live life with a certain degree of comfort. No one has seen tomorrow but we have the power of now.

Save and invest today and rest assured tomorrow!

July 4th, 2010 by blythe100 in Uncategorized | No Comments

Colorado health insurance policies are designed to provide health cover to individuals, self-employed, group of employees, the elderly and students. These policies are mainly intended to provide coverage to insured members in meeting their costs towards treatment, doctor visits, physician consultation, investigation, and operations besides the hospitalization costs.

If you are interested in an Individual policy, in Colorado you are subject to a medical review, and there is no guarantee that you will not be accepted. The insurance company may request your medical records from doctors and may exclude certain pre-existing medical conditions. They can also decline insuring you. Many plans will not cover maternity care, but you may be able to add it as a rider to the regular coverage. This will cost you more, but it’s worth it. Without this coverage, the huge expenses involved in maternity care can really scare away expectant parents and the joy may soon turn into a burden. Coverage for pre-existing conditions vary and depend on what condition you have and what insurance you are looking for.

Group insurance policies are guaranteed and there is no medical review. A qualifying business has to be accepted by providing tax information and other documents requested. Acceptance of a group policy is contingent on qualifying as a business, and being able to provide the necessary tax and other documents requested by the carrier.

Health Savings Accounts (HSAs) have been in effect Colorado since January 1st, 2004. This allows for a high deductible medical insurance policy with a special tax-deferred “Health Savings Account.” Anthem, Rocky Mountain Health plans, Fortis and United Healthcare, are just some of the Carriers that offer HSA compatible policies and many more are expected in the coming year.

When deciding on PPOs or HMO remember the differences. In an HMO your primary care physician is the one who has to refer you to specialists or other doctors. PPOs allow you to see other physicians without a referral. But, the doctor you see must be listed in the PPO network. PPOs are more expensive than HMOs. They both have pluses and minuses.

June 26th, 2010 by blythe100 in Uncategorized | No Comments

EECP is an enhanced external counterpulsation. It is cost effective, non invasive, non surgical, non pharmaceutical, out patient therapy for Angina, Heart attack and heart failure patients. It is FDA (USA) and NHS (UK) approved.

How is EECP Performed?

During EECP Patient lies on bed of machine. Three or five electrodes are applied to the chest to record a constant ECG.

A Plethysmograph is applied to index finger to record a tracing that represents blood pressure and oxygen saturation.

Set of 3-4 cuffs is wrapped around the calves, thighs and buttocks. EECP system uses an ECG signal to electronically synchronize inflation and deflation of the cuffs.

What is duration of treatment?

Duration for chronic angina and heart failure patients is 35 hours usually one hour per day, five days a week. Some patients choose a 2-hour per day regimen, which reduces the time of completion of treatment. The duration of treatment and interval of rest will depend on the patient’s condition, how much diastolic augmentation is obtained, tolerance of patient and the indications for application of EECP.

What is Mechanism of EECP?

Clinical studies indicate that EECP treatment may create a ‘natural’ bypass of blocked arteries. There are basically two mechanisms involved in this therapy. When we produce diastolic augmentation, this results in opening of lot of inactive blood vessels in heart which helps in bypass the blocked channels. Moreover, this treatment encourages blood vessels to form new small vessels i.e colletrals. These channels or collaterals may eventually become permanent pathways to the heart muscle that was previously deprived of blood flow and adequate oxygen.

What are indications of EECP?

Angina patients who are not relieved by medicine, patients who dont want to have bypass surgery, patients who are contraindicated for bypass or angioplasty like kidney failure, liver failure, severe COPD cases, Diffuse diabetes disease, very old age, patients of Syndrome X, i.e microvessel disease, ischaemic and dilated cardiomyopathy patients all can go for EECP.

What are contraindications of EECP?

Severe aortic regurgitation and aortic stenosis, deep vein thrombosis, pregnancy, very high blood pressure and severe peripheral vascular disease are contraindications for EECP

Side Effects of EECP

EECP has no side effects except little skin bruises specially when patient is not wearing proper skin pants during treatment. In contrast to angioplasty or bypass, it is completely safe procedure with no major risk to patient.

Benefits to the patient

After EECP, patient can walk longer distance without feeling chest pain or breathlessness. Patient’s quality of life improves remarkably. He can take part in daily activities. Above all, patients medicine also decreases, there is less need to take sub lingual nitrates. After treatment heart failure patients don’t have to take high quantity of diuretics.

EECP results verification.

Before and after treatment we perform ECG, Echocardiography, TMT test and Stress thallium scan. All these tests verify the results of EECP. In ECG there is mark decrease in ST segment depression or other ischaemic changes, there is increase in Ejection fraction in Echo, TMT test shows that patient can walk longer distance without chest pain, and stress thallium test also shows that there is less or no more ischaemia in heart.

What is Cost of EECP?

The charge for EECP is approximately one third that of angioplasty and one sixth the cost of coronary artery bypass surgery. In Pakistan EECP charges are US $ 2400 at Dr. Armughan EECP heart Clinic Sialkot.

Insurance & Medicare Coverage

In USA, over 120 insurers are covering EECP. EECP has been covered locally by Paramount, John Hancock, Senior Sense, Paramount Elite, Workman’s Comp, HMO Health Ohio, Messa, Acordia, Access, Envirosource, EV Benefits, First Health, Harrington Benefits, Fortis, Gallagher Benefits, NGS American, United Health Care, Health Alliance Plan, Medical Mutual, Anthem, most Blue Cross/Blue Shield plans, Aetna, Family Health Plan,and Fountainhead. Pre-authorization is required for FHP, Paramount, Senior Sense, Paramount Elite, and HMO Health Ohio patients. Medicare and Medicaid cover EECP in patients with class 3 or class 4 angina (chest Pain) who are not good candidates for bypass surgery (CABG)

June 20th, 2010 by blythe100 in Uncategorized | No Comments

In the Dutch golden age during the 17th century, Dutch trading, science and art dominated the world scene. It still packs a global punch and is often overlooked by investors.

About twice the size of New Jersey with a population of 16.5 million, the Kingdom of the Netherlands is a prosperous and open economy with a bent towards trading with the world. The top multinationals based in the Netherlands accounted for a combined revenue of $822 billion of revenue in 2005.

It is easy to tap into in this global corporate vigor through the Netherlands iShare (EWN) that contains a basket of 27 Dutch companies. The global financial services firm ING accounts for 18% of the basket. ING has a dominant position in growing Asian markets such as China, India and Thailand and its direct bank now has 15 million customers worldwide. 50% of its profits come from insurance operations and since European and American markets are rather mature, it’s strategy is to continue to diversify geographically and move into higher growth areas such as retirement services. ING is a low cost provider resulting in an ROE in 2005 of 24% though the relatively high debt load is a concern.

The next four highest weighted companies in this ETF are all top quality: ABN Amro, Phillips Electronics, Unilever and Aegon. In terms of sectors, diversified financials account for 18% of the basket, food, beverage and tobacco is 13%, banks, 13% and consumer durables 10%.

The Netherlands stock market is undervalued with its AEX index trading at a price earnings ratio of 12 times earnings.

Belgium, which broke away from the Netherlands in 1830, also presents investors with solid value. King Albert II reigns over this industrious nation with Dutch -speaking Flemings in the north and French-speaking Walloons in the south. Belgium sits at the crossroads of Europe and is home to both NATO and the European Union.

The Belgium ETF (EWK) contains 23 companies with the insurance and banking behemoth Fortis leading the way with 23% of the basket. The stock is 14% off its 52 week high and in the first quarter of 2006 its net profits before divestments was up 25%. Financials and banks make up more than 50% the holdings of the Belgium ETF with materials, food and telecom companies adding an additional 22%.

The Belgium stock market is undervalued trading at 1.9 times book with a forward price earnings ratio of 12. It enjoys low interest rates and according to data from EmergingPortfolio.com, global money managers have increased their Belgium weightings in the most recent month.

Add both Netherlands (EWN) and Belgium (EWK) to your global ETF portfolios to balance more aggressive allocations to emerging market countries.

June 1st, 2010 by blythe100 in Uncategorized | No Comments

Washing your hair is important thing you need to do and it is being an important duty for you. There are some practical steps you need to check out on how to wash your it in the proper way so you could maintain your hair and you will get the smooth hair.

Having beautiful hair could enhance your hair so if you would like to be more beautiful, it is better for you to learn this article. It is considered as the right assistance to help you in getting the right thing for it that is beautiful.

1. You need to hang you hair when you wash it and you are not allowed to pile your hair on your head in the process to wash it.

2. It is better for you to wash your hair with warm water before you do shampooing. Using the hair could help you in removing dirtiness faster and you need to avoid the use of hot water that could give the bad effect for your hair.

3. Then, you need to pour the shampoo in your hand and use it into your scalp. You need to message your hair carefully to avoid the damage of your hair. Your hair is one of parts of your body which is sensitive so you need to care for it with carefulness if you do not want to get any damage.

4. After that, you need to wash it with your hair hanging to keep your hair still in a good way. When the drying time comes, you do not need to use the towel because it could damage your hair. You need to dry in a natural way so your hair could be kept the moisture of your hair. Also, you need to avoid the use of hairdryer that could ruin your hair in a permanent way.

April 29th, 2010 by blythe100 in Uncategorized | No Comments

THE U.S. DOLLAR

As we predicted, the drumbeat of PR for the dollar has begun in earnest, and this was and is to be expected.

No governmental financial authority anywhere wants the dollar to fall in a straight line without any rallies and without any slowdown. Now an effort has begun to give the dollar a rally; and it has been successful so far. The battle to slow down the dollar decline will include:

intervention by central banks to protect their dollar holdings

jawboning by central bankers and finance ministers in every country to try and give the dollar a further rally

Long-term, we remain bearish on the U.S. dollar. We should however, remember that even the dollar can rally, and it occasionally does. It rallied for eleven months beginning in December 2004. Then it had a spectacular decline from late 2005 until quite recently.

THE CREDIT CRISIS – A BAIL OUT IS UNDERWAY

In the last two weeks there have been several capital injections into the weak banks and brokers.

Abu Dhabi has injected money into Citicorp. Ping An, the Chinese insurance company, has injected money into Fortis Bank, Citadel into E-Trade, Bear Stearns has traded investment positions with CITIC, the U.K. Government and the German Government have injected funds into U.K. and German banks. The Chinese Sovereign Wealth Fund announced that some of their money would go to capital infusions in Chinese banks. Today, UBS is getting a capital injection from Singapore and an unnamed mid eastern source.

Many investors, including sovereign wealth funds and major hedge funds are looking at the possibility of buying up assets on the cheap from banks, brokers and funds who are stuck with illiquid paper. To some, buying subprime debt at 20 cents on the dollar may qualify as cheap.

ECONOMICS

Certainly, the U.S. economy is just beginning its profits recession. U.S. corporate profits will be down for at least two quarters, and for even longer in the housing and finance sectors.

Companies will also have to deal with CPA’s being much more vigilant about making their clients write off submerged bad debts and accounting for unpriced, or mark to model investments. Therefore, it is an easy call to say that the recession in U.S. profits and U.S. GDP growth is just beginning. We can expect the news media in coming months to be full of negative news about corporate profits.

THE EASIEST SOLUTION TO SOLVING THE CURRENT PROBLEMS IN THE NEWS IS TO…CREATE MORE INFLATION

Most of the problems have to do with the bad debt clogging the U.S. financial system and contributing to a situation where credit is not available to some borrowers. This can have long-term economic consequences and should be cured as quickly as possible. The recent government intervention will not be a major part of the clean up.

For this reason, we are happy to see the sovereign wealth funds and hedge funds step up and buy heavily discounted assets at what they think are bargain prices. Will they be followed by other opportunistic investors?

The markets have been trying to determine the following:

What is the clearing price for the bad paper clogging up the financial system?

Have we reached a clearing price?

Are their buyers at this price?

When a clearing price for the hundreds of billions of unpriceable assets is found and when a liquid market has developed, then the blockages in the world financial system will unblock and the world economy will have the wherewithal to begin repairing itself. The recent purchases seem to be the first step in this process and we should have no doubt that the first step is the hardest and requires the most courage.

THE MAJOR EVENT IN OUR FUTURE IS MORE INFLATION

For the major economies of Europe and U.S. with credit problems, the short term question remains, “has a clearing price been found?” If it has, then the markets after a few months of volatility will move higher. If the price has not been found, we will likely see stock market declines until such a clearing price is found and the system can become unblocked.

Bigger economies with more problems have a longer process until the problem is cleared up and they can attract investors in large quantity. It is obvious that the current rally in the U.S. and European markets is a short covering rally. It can become a long-term rally when market participants become convinced that a clearing price for problem assets is found and transactions begin to take place.

Outside of Europe and the U.S., in countries with no big damage to their banking system, this repair can begin sooner rather than later.

The question for the fast growing, non impaired economies is how much will growth slow, and how long will it be before growth accelerates? These markets are probably good buys on the 30 to 40% declines they often get, and some of them are already close to a buy point.

We are not yet ready to buy aggressively, but we believe that the best and first opportunity will develop in Hong Kong, India, Brazil and Russia.

WE ARE CHANGING OUR VIEW OF RUSSIA

We have been negative on Russia while President Putin has been consolidating power.

Now he has the power. The country is awash in cash, and the consumer is spending. The market is cheap, and we are embracing Russia now. One big reason is that inflation is going to return to the world and return in an ugly way. Russia has gold, oil and base metals in large amounts.

SOLUTIONS TO THE CREDIT CRISIS ARE SOWING THE SEEDS FOR FUTURE COMMODITY PRICE INCREASES

In the last letter we outlined the four approaches which will probably be used to end the credit crisis. These actions will eventually create inflation and debase the U.S. dollar further, creating a very friendly environment for gold, oil and base metals. If you are a long-term investor, it is a matter of remaining patient while the normal correction takes place.

There will be more in the next memo on the inflationary consequences of the actions taken to stop the credit crisis. Long-term, all of this is very bullish for base metals, gold and energy prices, Brazil, Canada, Russia and other countries which produce precious metals, base metals and oil. Also, it is bullish for those countries which are growing faster than inflation such as China and India after correction; those two countries are currently overpriced

Thanks for listening, and we hope you have a wonderful holiday season

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These articles are for informational purposes only and are not intended to be a solicitation, offering or recommendation of any security. Guild Investment Management does not represent that the securities, products, or services discussed in this web site are suitable or appropriate for all investors. Any market analysis constitutes an opinion that may not be correct. Readers must make their own independent investment decisions.

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April 7th, 2010 by blythe100 in Uncategorized | No Comments

Budget 2010 is just around the corner and everyone is hoping to get some relief from inflation, in general, during the Union Budget for 2010 to be presented by Finance Minister Pranab Mukherjee in the Lok Sabha on 26th February. The common man has a lot to expect from the government in terms of sops and tax cuts. The industry experts are divided over whether our Finance Minister will fulfill the wishes of citizens or not.

Ganesha predicts Budget 2010 with the help of Vedic Astrology.

Ganesha anticipates that this year’s Budget will boost the floundering economy by focusing on fixing infrastructure, generating rural employment and providing incentives to sick sectors.

Horoscope of Independent India shows that Sun is in and transiting Sun is passing through 10th House of Aquarius and is in conjunct with Venus, Jupiter, and Mercury. Here the 10th House also represents the government’s natal House.

Also, as Sun is in the Satatarka constellation in 3rd pad and Satatarka represents Rahu on the day of Budget, Government of India is likely to take a strong stance on petroleum and gas products, silver, lead and steel. This budget is likely to have some bad news for home-makers as price of LPG shoots further up. The hike is a certainty as constellations are not supporting the product. Moreover, the Finance Minister may have to take some harsh decisions on pesticides. Power sector may experience the heavy shocks in the budget; products where atomic and other high maintenance source of energy are utilised may become more expensive. Electronic items like refrigerator and TV are likely to become a little more expensive too. Foreign liquor and beverages may also get dearer.

India’s Natal Moon is posited in Cancer. Moreover, on the Budget day, transiting Moon will be in conjunction with Natal moon in Cancer sign. This conjunction will take place in Pushya constellation in the 2nd pad. Cotton, wheat, turmeric, cable, machinery, chemicals, colors, fat will receive some valuable favour from the FM.

Natal Mars is posited in the 2nd House of Gemini and transiting Mars is passing through Cancer sign in the 2nd pad of Pushya constellation. Mars is conjunct with natal Moon, Mercury, Saturn, Venus and Sun. This suggests major reforms in the Railway Budget. The changes in prices of products like ghee, honey, computers, radios and jewellery.

Transiting Mercury and Venus will be in conjunction in the 10th House. Finance Minister may present the Budget keeping the Congress’s political agenda in mind. In this situation, Finance Minister may lionize Import-Export, Foreign Trade, National Growth and Rural Advancement. The Supreme Court may be bestowed with more powers. Some relief in Insurance sector is expected. Education will be affordable, but higher education will be pricey.

Jupiter will be transiting through the 10th House in Aquarius sign and 3rd pad of Satatarka constellation. As Jupiter is Lord of 8th and 11th Houses, Medical Policy, Health Department, Govt Loans, Bonds, Govt Securities may not receive expected benefits. Sandalwood, Gold, Diamond Jewellery and Perfumes may become costly.

Venus, Lord of the Ascendant and the 6th House of the natal chart of Independent India, will be transiting from 10th House. Therefore, Textile, Butter Milk, Betel Nuts, Liquid Medicine, Land Developers, Liquor will be in focus. During the budget, the Centre may announce new health-related programme, and upgrading of Army, Air-Force, Civil Services, Medical Services and internal security.

Saturn will transit through Virgo in Utarafalguni constellation. This will inspire our Prime Minister and Finance Minister to take some bold steps to curb inflation and improve GDP. However, despite some progressive steps, they may not get due credit. Saturn will trigger several changes in Grains, Edible Oils, Vegetables, Plastic, Mining Industry and Drug Manufacturing.

The 5th House represents stock market. After budget, there is likely to be a mood of caution at the bourses.

Moreover, Transiting Sun will be in 10th House of Independent India’s chart. Finance Minister is likely to address Tax Accumulation, Revenue Deficit, Fixed Deposit, Foreign Direct Investment Flow, GDP rate. But all this will not give any respite to the people. The central government’s policy to play safe may not work this time.

India has Natal Mahadasha of Sun – Antardasha is Moon – Pratiantardasha Jupiter. Moreover, India is under the influence of Sun’s Mahadasha. Sun is Sukkesh, therefore Tax Collection, Corporate Tax and Agriculture sector may see a tax improvement.

Let’s have a sector-wise look at the budget:

Information Technology (IT)

As Transiting Sun is conjunct with Venus, Jupiter and Mercury, the government may have to give importance to the IT sector. The Sun is in Satatarka constellation, which is represented by Rahu, and will be influencing IT sector. Thus, if IT is ignored this time, the sector may suffer a setback. Therefore, IT should have a special mention in the budget. Research and development in the Information Sector may get further boost.

Very Active, high volatility and fluctuation from 14/04/2010 to 27/05/2010

Automobile

Automobile sector is seeing a strong position of Venus and Mercury. So, this time automobile industry may receive some direct benefits. Ganesha also sees some progressive steps from the Finance Minister. Auto sector will rejoice the budget announcements and the industry has a bright future in India.

Very active, high fluctuation from 22/06/2010 to 13/07/2010

Pharmaceutical

Sun represent the Pharma Sector. Transiting Sun is going to enter 10th House of Independent India’s chart. India has Natal Mahadasha of Sun and Finance Minister will take decisive steps to encourage Pharma Industry, especially in their offshore undertakings, feels Ganesha. But the overall impact of the budget on this sector will be fairly neutral.

Very Active, high volatility and wide fluctuation from 04/03/2010 to 30/03/2010

Retail

The Finance Minister’s briefcase is likely to hold a substantial promise for this sector. Policies determining the quality of material, gradation and consumer protection are likely to be formulated or consolidated.

Very Active, high volatility and wide fluctuation from 30/09/2010 to 01/11/2010

Banking

Mercury is the planet that rules the banking sector. Transiting Mercury passing through the 10th House has become very strong. Moreover, decisive steps are expected to bring together all government and semi-government banks. The idea of Mega Banking Corporation is likely to get a boost. They can borrow funds at lower rates from international Banks and depositories. However, Mercury posited in the Dhanistha constellation is unrewarding and suggests a possibility of confusion in this sector. Also, Gemini sign is affected by Ketu and Virgo sign is affected by Saturn, so lower trading income and week credit growth will hurt the banking sector.

Very Active, high volatility and wide fluctuation from 14/06/2010 TO 24/06/2010

Infrastructure

Mars is transiting over natal Moon, Sun, Saturn, Mercury and Venus in the 3rd House. Mars is the lord of 12th House. Mars is transiting through 2nd pad of Pushya constellation and is retrograde. Thus, National Highways, Railways and Airport Authority of India can get a better security system. But, overall they may not be too happy with the budget. Privatisation and modernisation for Metros and Tier – II cities will stay on course. With transiting Ketu afflicting Natal Mars, expect some decisive steps taken by the FM on the country’s leading ports.

Very Active, high volatility and wide fluctuation from 26/05/2010 TO 21/06/2010

Metal and Steel

Saturn, the Lord of destiny and industries, will be transiting through the 5th House in India’s birth chart. The 5th House represents stock market, investment, production capacity of India. Saturn is passing through 4th pad of Utarafalguni constellation. From astrological point of view, the slow moving Saturn will put pressure on base metal prices.

Very Active, high volatility and wide fluctuation from 02/05/2010 to 19/05/2010

Entertainment

Venus represents the Entertainment sector. The conjunction of Venus with Jupiter, Sun, Mercury and Venus pass through the 2nd pad of Purvabhadra. Growth of Radio Stations is likely to continue. Broadcasting Companies may express some concern. But overall, expect announcement of simpler and favourable Tax policies by the FM.

Very Active, high volatility and wide fluctuation from 09/09/2010 to 08/11/2010

Telecom

Mercury represents the Telecom sector. Mercury, the Lord of the 2nd and 5th House, is posited in the 3rd House of India’s birth chart.
The 3rd House represents telecommunication. So in India telecommunication is always going to be a profiting sector. Transiting mercury passes through 10th House of the 3rd pad of Dhanistha constellation. This indicates a lot of unexpected changes in this sector. However, Custom Duty is likely to remain untouched by the central government.

Very Active, high volatility and wide fluctuation from 25/06/2010 TO 07/10/2010

Fertilizer, Pesticide, Agriculture

Rahu is transiting in 8th House of India’s natal horoscope. So suicidal rates are likely to increase this year. Although not by much, those dealing with seeds, agro-chemicals and drip-irrigation may get some relief. However, as Rahu dominates the entire horoscope of Independent India this year, pesticides may be the major point of debate in the Parliament.

Very Active, high volatility and wide fluctuation from 05/08/2010 TO 25/08/2010

Cement & Real Estate

Mars is transiting over natal Moon, Sun, Saturn, Mercury, and Venus in 3rd House. Mars is the Lord of 12th House. Mars is transiting through the 2nd pad of Pushya Constellation. Since natal Mars is afflicted by transiting Ketu, there can be a major change in overall expenditure. All in all, the growth story of India Inc will continue. The Finance Minster will play safe.

Very Active, high volatility and wide fluctuation from 26/05/2010 to 21/06/2010 and 01/11/2010 to 30/12/2010

Conclusion

Overall, the conjunction of Sun, Mercury, Venus, Jupiter in their transit through the 10th House on the day of the Budget indicates that the finance minister may try and reconsider tax accumulation, revenue deficit, fixed deposit, flow of FDIs, and GDP growth rate. Disinvestment of public sector units is also expected to be on the agenda. He will try to play safe and will make efforts to sustain the existing growth rate. Prime Minister Manmohan Singh and Finance Minister Pranab Mukherjee will present a progressive budget for the country but will fail to garner appreciation for the same. Ganesha advises investors to trade cautiously in 2010.

Very Active, high volatility and wide fluctuation. March 9,10, 11, 15, 22, 23,29

Sectors that will remain in news 2010: Pharmaceuticals, Petrochemicals, Plastic, Shipping, Infrastructure and Power

Scrips that will remain in news in 2010: -

01/03 /2010 to 13/04/2010

Indiabulls

India Infoline

Edelweiss Cap

Rel Capital Ven

Motilal Oswal

Future Capital

IL&FS

Geojit BNP

Network 18

Apollo Sindhoor

Consol Finvest

Emkay Global

Transwarranty

NALCO

Hindalco

Madras Aluminium

Century Extr

India Foils

Man Aluminum

14/04 /2010 to 20/05/2010

Ballarpur Ind

Tamil Newsprint

West Coast Pape

JK Paper

AP Paper Mills

Seshasayee Pape

CRISIL

Guj NRE Coke

Vesuvius India

V-Guard Ind

AI Champdany

Champdany Ind

Atlas Cycles

Mangalam Timber

Novopan

Pochiraju Ind

Kitply Ind

Nuchem

Madhav Marbles

Uniply Ind

21/05/2010 to 19/06/2010

Videocon Indust

Mirc Electronic

BPL

Jindal Photo

MVL Industries

Salora Inter

EIH

Indian Hotels

Jaypee Hotels

Taj GVK Hotels

Oriental Hotels

Advani Hotels

EIH Assoc Hotel

Royal Orchid

Viceroy Hotels

Bhagwati Banque

Kamat Hotels

Hotel Rugby

20/06/2010 to 06/07/2010

HCL Info

Redington

Moser Baer

CMC

Bartronics

D-Link (India)

Spice Mobiles

MRO-TEK

TVS Electronics

Zenith Computer

ORG Informatics

United Phos

Tata Chemicals

Pidilite Ind

Guj Gas

Gwalior Chem

Foseco India

Thirumalai Chem

Jayant Agro-Org

Alkyl Amines

Balaji Amines

IFB Agro

Chemfab Alkalie

Sree Rayalaseem

Vinyl Chemicals

SRHHL Industry

07/07/2010 to 11/08/2010

Bata India

Mirza Intl

Liberty Shoes

Crew B.O.S.

Bhartiya Inter

Apollo Hospital

Opto Circuits

Fortis Health

Indraprastha

Lotus Eye Care

12/08/2010 to 26/09/2010

HMT

Escorts

Punj Tractors

Bharti Airtel

Reliance Comm

Idea Cellular

Tata Comm

TataTeleservice

MTNL

Spice Comm

Tulip Telecom

Nu Tek India

GNFC

GSFC

Indo Gulf

Zuari Inds

Deepak Fert

Oswal ChemandFe

Mangalore Chem

Madras Fert

SPIC

27/09/2010 to 03/11/2010

Nahar Spinning

Pioneer Embroi

TT

ABB

Crompton Greave

Indo Asian Fuse

De Nora India

Igarashi Motors

Cairn India

GAIL

Reliance Natura

Aban Offshore

Hind Oil Explor

Shiv Vani Oil

Jindal Drilling

Dolphin Offshor

Selan Explore

Alphageo

Ganesha’s Grace

Dharmeshh Joshi

The GaneshaSpeaks Team

March 31st, 2010 by blythe100 in Uncategorized | No Comments

4 Cardiac Hospitals in India providing world class treatment in India.

These are some of the Cardiac Hospitals in India providing world class treatment in Cardiac treatment:

Cardiology and Cardiac Surgery At Apollo Hospital, Bangalore is the newest addition to the ever-growing network of Apollo Hospitals all over the world. The hospital is equipped with some of the most advanced facilities in the world and some of the most eminent names in several medical specialties and superspecialities.

The doctors at Apollo Hospitals Bangalore have been chosen after an extensive process where their commitment and expertise is assessed in equal measure. Most of them have studied, trained or worked abroad at eminent institutions. The hospital has over 100 consultants available round the clock.

Cardiology is one of the Centres of Excellence at the Apollo Hospital, Delhi

The Centres of Excellence at the Apollo Hospital, Chennai are Cardiology & Cardiothoracic Surgery The hospital has a number of Specialised Clinics that offer advice, treatment and tips to patients and their family.

The Apollo Hospital Chennai are performed 27,000 heart surgeries with a success rate of 99.6%, on par with global standards.

Apollo Hospital Specialised Clinics at Chennai are

BreatheEazy – the Asthma Clinic

Andropause

Pain Clinic

Migraine

The Fortis Heart Institute the major focus of this facility is on specialized institutes for each of the five super specialties that have been set up The hospital has been designed and developed to deliver patient care with maximum ease and effectiveness.

To know more about hospitals providing world class cardiac treatments log on to

March 28th, 2010 by blythe100 in Uncategorized | No Comments