Bariatric surgery nagpur india, obesity surgery, weight loss surgery

As weight increases, so do serious health risks.
In clinical terms, extreme or severe obesity is defined as a medical condition in which excess body fat has accumulated to the extent that it has adverse affects on health and physical functioning. It is measured by Body Mass Index, or BMI, with Class 3 (morbid obesity) beginning at 40 kg/m2. In generalized terms, it is about 100 pounds over ideal body weight.

It is estimated that more than 9 million Americans are considered morbidly obese. The proportion of people with a BMI that exceeds 40 has increased by more than 50% in the past 20 years.

Researchers with RTI International recently published results of a study of 366,000 people and found that those who are morbidly obese shorten their expected lifespan by up to 12 years. Premature death rates are further increased for those with diabetes as a co-existing condition.

The effect of severe obesity appears to be greater for men. Morbidly obese white males between 20 and 30 years of age with a BMI over 45 can shorten their life expectancy by 12 years, while women of the same age and BMI shorten lifespan by about 8 years.

Several factors are involved in the mortality associated with obesity. These include age of onset, duration of obesity, severity of obesity, amount of central adiposity (abdominal fat), existing co-morbid conditions, sex, and level of respiratory fitness.

In addition to a shorter life, those with morbid obesity also have an increased risk of chronic health conditions that affect quality of life. These include an increased risk of heart disease and stroke, certain cancers (particularly breast, colon, and prostate), severe arthritis, and respiratory problems such as sleep apnea.

Weight Loss Surgery is currently the most effective treatment for those suffering from morbid obesity that has not responded to traditional therapies, such as diet, exercise, and behavioral modification. After WLS surgery, mortality rate is reduced and improvements are seen to many of the health risks listed above. In addition, overall quality of life is improved in many patients.

www.surgeryobesity.org

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Dr Ahsan badar nagpur

Dr Ahsan badar, Bariatric surgeon, obesity surgeon, laparoscopic surgeon

Dr Ahsan badar nagpur

Dr Ahsan Badar, Bariatric Surgeon, Laparoscopic Surgeon, obesity surgeon.

Beware of Debt Prepayment Penalty

Debt is the sword of Damocles hanging over a persons neck and who doesn't want to be rid of this continuous threat?

Therefore people in debt often think that earlier they can be free of this burden the better. Also, they believe that prepaying a loan will save them money on the interest they would otherwise pay.

Unfortunately the banks and lending institutions are two steps ahead of the borrowers when it comes to money. As they know that there will at least some debtors who will either want to pay off their loans early or will want to transfer their loans to cheaper lenders, they add small print to their lending agreements.

By signing the agreement the borrower accepts that if he prepays the loan he will pay a penalty to cover up for the loss of earnings that the bank will suffer due to this early repayment.

There is no set amount as to what a bank can charge as an early repayment penalty, but it is usually equivalent to one or two month's interest. The earlier in the term the loan is repaid, the higher is the charge. An early repayment penalty can add a considerable amount to the cost of a loan.

Therefore if there is any chance that you will be prepaying your loan, then it pays to shop around or use loan comparison websites like uswitch to find one with the lowest prepayment penalty. It is important to factor the cost of prepayment penalty into the cost of the loan.

How to Save Money When Buying A home

The factors that decide how much you end up spending are these-
1. Location
2. Size
3. Mortgage rates
4. Condition of the property
5. Estate agent Vs private buy
6. Various fees like mortgage insurance.

Now to save money here's what you can do (other than the obvious option of bargaining on the offer price)-

1. Compromise on location, better still buy in an up and coming location which might not be very desirable in the present but has great potential for the future.

2.Compromise on size, especially if there is a possibility of adding extensions. You will save on property and add masses of value by extending later.

3. Shop for mortgages. Demand reductions in rates. You will be surprised how flexible mortgage companies can be in order to get an account. Also think if you want a variable rate or fixed rate mortgage. This depends on the bank interest rates in the country at the time of taking a mortgage.

4. Properties often loose value because of unkempt garden or bad wall paper or carpets. Find a property you could improve simply with cosmetic changes. Believe it or not you will save thousands. This is exactly what the business of property development is all about anyway.

5. Try buying privately. Placing a small ad in classified will get you a fantastic offers and cost you a couple of thousands less when the agent is removed from the equation.

How to increase your savings

Nothing works like a little compulsion. I am hundred percent convinced that saving before spending instead of saving what is left over after spending is the real way to build up a bank balance with minimum pain.

Transfer an amount you are comfortable with, by direct debit to a fixed deposit account every month.

Why do I know this works?

In some of the countries I have lived in, a small amount of money is deducted from salary at source in the name of gratuity or provident fund. This is a compulsory saving that all employees are required to contribute towards as a part of their work contract.

Why does this always work?

When money is deducted every single month, consciously or subconsciously, a person starts counting his or her monthly salary without taking into account the saved money. When the amount incoming monthly is reduced, lifestyle always follows suit provided you take care to cut up those credit cards before you start saving.

Also having money in different accounts one of which is not easily accessible by use of ATM card is a good way of preventing impulsive spending.