Monday, June 10, 2019
Sunday, June 9, 2019
Friday, June 7, 2019
Thursday, June 6, 2019
Wednesday, June 5, 2019
Summer Haircuts In Mutual Funds (Debt)
- https://www.livemint.com/money/personal-finance/amfi-suggests-lesser-provisioning-for-secured-loan-against-share-papers-1557112371383.html
- https://www.personalfn.com/fns/new-valuation-norms-for-debt-mutual-funds-and-impact-on-investments
- http://www.cogencis.com/newssection/amfi-recommends-graded-haircuts-for-below-investment-grade-debt/ : Haircut matrix
- https://www.rupeeiq.com/content/amfi-guidelines-this-is-how-fund-houses-will-cut-value-of-sub-investment-grade-debt/ Haircut matrix
- https://www.rupeeiq.com/content/uti-mutual-fund-cuts-value-of-investment-in-jorabat-shillong-expressway-by-another-25/ - Nice: Specific haircut details of MF
- https://www.rupeeiq.com/content/hdfc-mf-takes-12-more-markdown-in-ilfs-entity-exposure-reaching-37/ Specific details
- https://www.rupeeiq.com/content/april-30-saw-sharp-drop-in-nav-for-some-debt-hybrid-mutual-funds/ Apr 29th to Apr 30, 2019 drops in MFs.
- Livemint: Mutual funds hit hard by DHFL interest delay. https://www.livemint.com/mutual-fund/mf-news/mutual-funds-hit-hard-by-dhfl-interest-delay-1559712308072.html Jun 4th. 29% drop in NAV in a day
- https://www.business-standard.com/article/markets/dhfl-assigned-default-rating-mfs-with-high-exposure-see-30-50-drop-in-nav-119060600055_1.html Jun 4th
- Economic Times: Debt mutual funds take a tumble as DHFL slips on payment. https://economictimes.indiatimes.com/mf/mf-news/debt-funds-take-a-tumble-as-dhfl-slips-on-payment/articleshow/69670067.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral Jun 4th
- Times of India: Debt MFs’ NAVs halve as DHFL defaults on payment. https://timesofindia.indiatimes.com/business/india-business/debt-mutual-funds-navs-halve-as-dhfl-defaults-on-bonds-payment/articleshow/69668367.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral jun 4th
- https://timesofindia.indiatimes.com/business/india-business/how-default-leads-to-crash-in-navs/articleshow/69668821.cms
- Sidepocketing principle in Tata Corporate Bond Fund: https://m.economictimes.com/mf/mf-news/tata-corporate-bond-tata-medium-term-and-tata-treasury-advantage-fund-investors-get-load-free-exit-period/articleshow/69677206.cms and Livemint: Tata Mutual Fund launches India’s first mutual fund side pocket. https://www.livemint.com/mutual-fund/mf-news/tata-mutual-fund-launches-india-s-first-mutual-fund-side-pocket-1559877471498.html
- UTI: https://m.economictimes.com/markets/stocks/news/uti-mutual-fund-fully-writes-off-dhfl-exposure/articleshow/69690993.cms
- https://www.business-standard.com/article/pf/exit-or-hold-what-you-should-do-if-your-mutual-fund-is-exposed-to-dhfl-119060700614_1.html
- Economic Times: These two fund houses alone had 56% exposure to industry's DHFL debt. https://economictimes.indiatimes.com/markets/stocks/news/these-two-fund-houses-alone-have-56-exposure-to-dhfl-debt/articleshow/69700830.cms?UTM_Source=Google_Newsstand&UTM_Campaign=RSS_Feed&UTM_Medium=Referral
Various terms explained: https://www.rbi.org.in/CommonPerson/english/Scripts/FAQs.aspx?Id=711#22
Tuesday, June 4, 2019
Wednesday, May 29, 2019
Cancer
Insurance
- https://www.apollomunichinsurance.com/ican-cancer-insurance/plan-details.html
- https://www.iciciprulife.com/health-insurance-plans/icici-pru-heart-cancer-health-insurance-calculator.html
- https://m.economictimes.com/wealth/insure/how-to-choose-a-cancer-insurance-plan/articleshow/53667141.cms
- https://www.coverfox.com/health-insurance/cancer-insurance/
- https://myinvestmentideas.com/2017/10/star-health-cancer-care-gold-health-insurance-plan-review/ doesn't sound interesting
- http://cancerinsurance.policybazaar.com/ci/quotes/MTQwMjkzNDkw?utm_content=home_v3&gclid=CjwKCAjw27jnBRBuEiwAdjQXDJ9Ur5fxfbMVvVSvLelapkWICIzQybiPdj0SSafRyjhczNmql3blqRoCoOMQAvD_BwE&ci=true good
HDFC cancer 10 lacs
20% payout on early stage detection. Balance at major stage. 5800 yearly premium for 10 years. This is for AG option. Upto 85 age, premium is 10k per year. Policy amount can be increased later. But premium will not increase pro rata. For example, 10lac is doubled next year, 10k premium may become 22k to 23k.
Can be paid online.
Note: if cancer is detected 2 years later and if it's found that it was pre-existing at the time policy was taken them claim may be denied.
ICICI PRU
10l cancer + 2l heart (min) for 22 years: 25% for minor each, 75% for major each of cancer and heart payout. 12.8k premium per year Hospitalization for 30 days total for 22 years subject to 10 days max per year is rs 270 per month additional premium. 10% increase in coverage upto max double is another 15k premium per year. These two are optional. Min is 12.8k. medical test (blood and urine will be arranged either at home or branch) by company at their cost after purchase of policy. Depending on report, premium may be increased. Option to cancel policy exists then. Money will be refunded within 30 days.
Premium for heart is 10k for 5L cover. How is this better than mediclaim?
Questions:
Can be paid online.
Note: if cancer is detected 2 years later and if it's found that it was pre-existing at the time policy was taken them claim may be denied.
ICICI PRU
10l cancer + 2l heart (min) for 22 years: 25% for minor each, 75% for major each of cancer and heart payout. 12.8k premium per year Hospitalization for 30 days total for 22 years subject to 10 days max per year is rs 270 per month additional premium. 10% increase in coverage upto max double is another 15k premium per year. These two are optional. Min is 12.8k. medical test (blood and urine will be arranged either at home or branch) by company at their cost after purchase of policy. Depending on report, premium may be increased. Option to cancel policy exists then. Money will be refunded within 30 days.
Premium for heart is 10k for 5L cover. How is this better than mediclaim?
Questions:
- Which type of cancer is not covered? What are the exclusions?
- If afflicted first by one type of cancer, then by another what happens?
- Till when is the coverage? Will premium remain the same until then?
- What documents are required for payout by insurer?
- Can coverage be increased later? How does it work?
Sunday, May 26, 2019
Sunday, May 19, 2019
Nice Places
- https://en.wikipedia.org/wiki/Malenadu -Western Ghats of Karnataka. Very high rainfall. Includes Amagaon, Hulikal (see also here, here, here, here).
Rainfall statistics 2019 till sep 30
https://m.facebook.com/story.php?story_fbid=10219663806570309&id=1371263854&_rdr
Tuesday, April 23, 2019
Diabetes
There are plenty of healthy and nutritious foods to choose from. You should base your diet on the following low-GI foods:
- Bread: Whole grain, multigrain, rye and sourdough varieties
- Breakfast cereals: Porridge made with rolled oats, bircher muesli and All-Bran
- Fruit: Such as apples, strawberries, apricots, peaches, plums, pears and kiwi
- Vegetables: Such as carrots, broccoli, cauliflower, celery, tomatoes and zucchini
- Starchy vegetables: Carisma and Nicola potato varieties, sweet potatoes with an orange flesh, corn, yams
- Legumes: Examples include lentils, chickpeas, baked beans, butter beans, kidney beans
- Pasta and noodles: Pasta, soba noodles, vermicelli noodles, rice noodles
- Rice: Basmati, Doongara, long-grain and brown rice
- Grains: Quinoa, barley, pearl couscous, buckwheat, freekeh, semolina
- Dairy: Milk, cheese, yogurt, custard, soy milk, almond milk
The following foods contain few or no carbohydrates and therefore do not have a GI value. These foods can be included as part of a low-GI diet:
- Meat: Including beef, chicken, pork, lamb and eggs
- Fish and seafood: Examples include salmon, trout, tuna, sardines and prawns
- Nuts: Such as almonds, cashews, pistachios, walnuts and macadamia nuts
- Fats and oils: Including olive oil, rice bran oil, butter and margarine
- Herbs and spices: Such as salt, pepper, garlic, basil and dill
From the link https://www.healthline.com/nutrition/bananas-diabetes"The glycemic index ranks foods based on how much and how quickly they raise blood sugar levels.
The scores run from 0 to 100 with the following classifications
Low GI: 55 or less.
Medium GI: 56–69.
High GI: 70–100.
Diets based on low-GI foods are thought to be particularly good for people with type 2 diabetes"
As per this article: https//www.livestrong.com/article/290772-what-is-the-glycemic-index-of-basmati-rice/: basmati rice has a GI of 59 while normal white rice has a Glycemic Index of about 75+. Read this also:https://www.diabetescantstopme.com/making-rice-nice-diabetes/
From https://wellthy.care/magazine/can-diabetics-eat-rice/
"Wholegrain basmati rice such as those sold by brands such as Daawat, Kohinoor, and India Gate have a GI score of less than 55, making them a healthier option."
Bananas are ok: https://www.ndtv.com/food/manage-type-2-diabetes-naturally-foods-to-control-your-blood-sugar-levels-1868474
Ghee in moderation is fine: NDTV Food: Is Eating Ghee Healthy For Diabetics? Here's What The Expert Has To Say. https://google.com/newsstand/s/CBIwxuyo9Do
As per this article: https//www.livestrong.com/article/290772-what-is-the-glycemic-index-of-basmati-rice/: basmati rice has a GI of 59 while normal white rice has a Glycemic Index of about 75+. Read this also:https://www.diabetescantstopme.com/making-rice-nice-diabetes/
From https://wellthy.care/magazine/can-diabetics-eat-rice/
"Wholegrain basmati rice such as those sold by brands such as Daawat, Kohinoor, and India Gate have a GI score of less than 55, making them a healthier option."
Beans / Rajma for Diabetes and cholesterol. https://www.timesnownews.com/health/article/do-black-beans-help-lower-blood-sugar-levels-in-diabetics-how-to-add-beans-to-your-diabetes-diet-plan/405227
https://www.healthline.com/health/diabetes/low-glycemic-fruits-for-diabetes: apples and grapes are the best.
Bananas are ok: https://www.ndtv.com/food/manage-type-2-diabetes-naturally-foods-to-control-your-blood-sugar-levels-1868474
Raisins are fine: http://www.sunmaid.com/fitness/dr-suzanne-nelson/trying-to-lower-blood-sugar-levels-raisins-may-help/
Ghee in moderation is fine: NDTV Food: Is Eating Ghee Healthy For Diabetics? Here's What The Expert Has To Say. https://google.com/newsstand/s/CBIwxuyo9Do
Monday, April 15, 2019
Friday, April 12, 2019
Nice Apps For Android
Must need apps
Settings related
- Internet speed meter lite
- Accubattery
- Ping it
- Clean cache
- Settings
- 360 security
Hobby
- Bookhub
- Sudoku
- Jyotish
- Mycams
- Earth online cam
- ColorNote
- https://www.meteoblue.com/en/weather/webmap/index/wollaston-island_australia_2058041 and https://www.meteoblue.com/en/weather/map/precipitation/india
News
- Wp
- Wsj
- Nyt
- Google News
Purchase
- Ola
- Indane
- Tata sky
- Swiggy
- Paytm
- Quikr
- Housejoy
Communication
- Airtel
- Act
- Jio
Media
- Volumebooster
- Easy voice recorder
Comm
- Jio4gvoice
- Skypelite
Google
- Drive
- Sheets
Travel
- Irctc
- Ixigo
- Air traffic
Review of Amazon product
- https://reviewmeta.com/amazon-in/B0794WBGXP
- Fakespot app
Wednesday, April 10, 2019
Delusions And Hallucinations - Parkinson's
"Visual hallucinations are the most common experienced by people with PD. You might believe there is an animal or person in the room who is not there. Common examples include a cat that is not your pet scampering across the living room floor, or a neighbor sitting at your dining room table when no one is in fact there."
"Delusions are false, fixed beliefs...There are different forms of delusions, like with hallucinations, but the most common in PD are persecutory and jealousy...It can be disturbing for the whole family because delusions are not deliberate. There is no way to control them or, once experienced, to reason through or argue over them."
https://www.parkinsons.org.uk/information-and-support/hallucinations-and-delusions-side-effect: Quotes:
"Delusions can include:
- Paranoia. You may believe you’re the victim of a conspiracy, or that someone is trying to hurt or harm you.
- Jealousy. You may have jealous feelings. For example, you may think that someone you love is betraying you.
- Extravagance. You may think you have special powers that you do not. This could make you act in an unusual or dangerous way... But when delusions make people suspicious and mistrusting, they can cause problems in relationships. With a serious delusion, there is a chance you could accuse your partner or a family member of something they haven’t done... Some people have paranoid delusions where they think someone is planning to cause them harm. For example, you may believe that your carer is trying to give you too much medication. This could have a big effect on how your drug regime is followed and leave you not wanting to take medication."
https://www.business-standard.com/article/health/appendix-removal-triples-parkinson-s-risk-but-do-you-really-need-to-worry-119051500320_1.html
https://www.thehindu.com/sci-tech/health/scientists-find-earliest-signs-of-parkinsons-in-brain/article28089188.ece: "Serotonin function was an excellent marker for how advanced Parkinson's disease has become..Suspected causes of the disease before the study included levels of the neurotransmitter dopamine, and there is growing evidence of a possible link between Parkinson's and gut function, though this is poorly understood"
Additional reading
Saturday, April 6, 2019
Swiggy
Award received
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Thursday, April 4, 2019
Size Calculator And SI
Bra:
http://www.lasenza.com/size-chart-bras: Good one.
http://www.lybethras.com/customHTML/sizechart.html
http://www.lybethras.com/customHTML/sizechart.html
http://www.brasize.com/average-bra-size.html: World Statistics
https://www.bhs.co.uk/cms/pages/static/static-0000036631/static-0000036631.html
https://www.bhs.co.uk/cms/pages/static/static-0000036631/static-0000036631.html
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