Wednesday, July 3, 2019
Monday, July 1, 2019
Thursday, June 27, 2019
Wednesday, June 26, 2019
Sunday, June 23, 2019
Hip Implant And Catheter
Leading to Fall
She fell down around 2pm on sat jun 15, on the way to the toilet. I had left her hand for a few seconds in BR1 when she fell down heavily on her side and hit the built-in cupboard. She was conscious and in tremendous pain. I called jeyam healthcare the next day. Ramesh was out of town so siva attended. Since she complained of chest pain, he suspected a heart attack. He gave some medication which were the repeat of what ramesh had prescribed 3 days earlier when ramesh checked her don't a regular visit. Siva suggested that we check for a couple of days and if the pain persisted then we should get an x ray.
On Monday morning she was very much in pain and we had a very different time lifting her from the bed. During the previous week she had difficulty walking. She couldn't move her legs. The hip bone was already very weak. Saturday's fall finished it.
I called prithika. She suggested that we get an x ray and an ortho to check. After lunch on Monday, arranged an ambulance and reached river at 1130. MLN looked at x ray and recommended surgery by next morning. He told me that she would likely start walking at least a few steps with a walker by Wednesday, the day after surgery.
I checked with her and confirmed to LmN.
Admission
She checked in at 530pm. All the tim staye we were waiting for a semi room to get free. I left her with priya And returned by 730pm. Next morning, Tuesday, she was taken from her room at 6AM, by 830AM she was back into observation room. And by noon she was back in her own room. Everything was stable on Tuesday. By Wednesday when the physio came, the issues started. She couldn't even stand on her legs even with 2 people holding her shoulders. The same continued on thu, then fri. Meanwhile i told the doctors that person they should see her in (in)action with the Physiotherapist. They said no, it wasn't required and they all understood each other's work and that they would be in touch with each other.
On Thu, the tall physio guy said that her getting better will depend on her own strength and will power and that he wouldn't be able to do anything. The neurologist said that she is in pain and had recently undergone surgery And her medications had been stopped for 2 days and hence this would be a little rocky and not to focus on the temporary issue.
By Friday it was obvious that it would be a long journey to get back to her pre fall status and that she would be bedridden and unable to walk when she returned home.
Meanwhile GHP was acting up and it took a desperate call with maha on Saturday to sort this out. GHP was sorted out by 1pm on sat. We returned by ambulance by 430pm. She was very weak and had a catheter attached. She slept till 8pm and then had a glass of apple juice and threptin and slept again. She was fed in a sleeping position on sat night.
Sunday morning dhanam, attendant, arrived. Priya and dhanam cleaned her up. She sat in the wheel chair till 11am by which time she finished her lunch. We moved her from wheel chair to bed in hall. As of 130pm she is still sleeping. She will have tea around 330pm or 4pm. We will keep it in a flask. Dinner around 630pm.
Physio could not come today, kavya apologized. He will start coming from tomorrow. Review with Ortho team is in a week which can be handled by dhanam's organization. Need to confirm with gayatri about neuro review on Monday at 2pm.
The next millstone is her being able to move from sleeping to sitting position and sitting to standing position and vice versa without trouble. This will lead to catheter removal.
Saturday, June 15, 2019
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
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