Saturday, February 26, 2022

Allergies

In this post I am trying to capture everything that I have been reading on allergies, mostly allergic rhinitis and food allergies.

Dairy allergy, or milk allergy, refers to any allergic reaction caused by a component of cow's milk. The three components of cow's milk that cause dietary reactions are casein protein, whey protein, and lactose sugar. Casein and whey are considered more likely to cause true allergies, while lactose causes a well-known intolerance in many adults (and some children) due to the body's lack of an enzyme known as lactase.

 

Cross-Reactions:

Similar components to cow's milk are found in the milk of other ruminants, including goats and sheep, so any patient with a dairy allergy who is considering using other animal milk as a substitute for cow's milk should talk to their allergist before proceeding.

 

Soy Milk

The most widely available dairy-free milk alternative is soy milk, which can be found both in cartons on supermarket shelves as well as alongside milk in dairy cases. Competition from national brands, like 8th Continent and Silk, has lowered prices across the board, making soy milk one of the more cost-effective milk alternatives.

 

Soy milk is high in protein, making it an attractive alternative to milk for cooking and baking. Soy itself has a strong, distinctive taste, so make sure you like it before adding it to a sauce or to your favorite cereal.

 

Nut Milks

Almond milk is among the most common nut milks. Like soy milk, nut milks are high in protein and are useful for baking. You may find their taste blends in with baked goods, coffee, or nutty cereals better than soy milk, although personal tastes vary. Nuts are also high in "good fats" and Vitamin E. One drawback to both soy and nut milk: both of these are common allergens in and of themselves.

 

Some useful links:

http://foodallergies.about.com/od/dairy/tp/dairyhub.htm

http://foodallergies.about.com/od/dairy/tp/milkalternatives.htm

http://foodallergies.about.com/od/dairy/p/dairyallergies.htm

 http://allergies.about.com/od/foodallergies/a/milkfreediet.htm



Most adult patients get most of their mite allergen exposure in bed at night.

 

House Dust Mite:

https://health.howstuffworks.com/diseases-conditions/allergies/indoor-allergies/eliminating-dust-mites.htm

The allergens dissolve in water, but mites themselves will only be killed by wet heat  over 55oC (this means the hot-wash cycle in most washing machines). Surprisingly, detergents can actually protect mites in the wash.

 A different group of mites, storage mites, common in grain stores and barns can cause problems for farmers and grain handlers and can sometimes be found in flour and other grain products in homes.

 Reducing exposure to mite allergens is more important than affecting live mites themselves. Simply killing or reducing mite numbers will have no effect on allergens which have been accumulating for years.

 Dealing with your bed is the single most important aspect of effective allergen avoidance. House dust mites live deep inside mattresses, pillows and duvets. Their allergens are stirred up to be breathed in as we move about in our sleep. Bedding also often contains pet and mold allergens.

 The bed is the source of most people’s major mite allergen exposure. It is impossible to remove pre-formed allergens from the mattress. Vacuuming does not remove allergens from deep inside it. Therefore the mattress must be totally enclosed in an effective allergen barrier.


It is essential that the mattress is enclosed completely by a cover with properly constructed seams and zip seal. 

There is a choice between enclosing pillows and duvets in similar covers and regular hot-water washing of the whole item, not just the outer cover.
All pillows on the bed need covering, not just the sufferers own.

Legally, bed covers sold to treat disease are “Class 1 Medical Devices” and should carry a CE mark to show they meet minimum standards of effectiveness.  


Wash your bedding once a week with hot water.

Eucalyptus essential oils kill dust mites. Combine 2 cups of distilled water, 5 drops of organic liquid soap and 30 drops of eucalyptus essential oil, and spray it on your bed daily to keep the dust mites at bay. (how about putting it in the washing machine when washing at 60 degrees).

Purchase an air mattress. Dust mites can’t inhabit this inexpensive bedding alternative.

Dust with a damp cloth so it actually collects the dust mites instead of spreading them. Add a few drops of organic eucalyptus and wintergreen essential oils to the damp cloth to kill the dust mites while you collect them. (use it for mopping bedroom).

http://www.webmd.com/allergies/features/allergy-tips

Dust-Proof Pillowcase, dust mite proof bedding encasements to cover mattresses

http://www.webmd.com/allergies/guide/dust-mite-mattress-and-pillow-covers-for-allergy-relief

 https://allergy.uk.com/

Cat allergy:

 Cat allergy is the most important pet sensitivity. It is very common and is occasionally severe. Also, cat allergen can last for years in carpets and curtains, long after the poor moggy has gone to a better place.

 

The main cat allergen comes from grooming glands and the saliva. It is spread over the fur as the cat washes and then dries. This powder is very fine (down to less than 0.2 microns), which means it floats into the air as the animal moves, or just purrs. Beds and other places become impregnated with cat allergen, which is why cats should be banned from bedrooms.  Shampooing the cat does reduce it’s allergen load, but it is not practical to do this often enough to stop it being a problem.

 

Molds:  In general, heavy mold spore levels inside a house are unlikely unless there is some problem with damp. This may be due to rising damp, or to condensation or some other building defect in newer houses. Sometimes it is as simple as water penetrating a wall from outside due to a leaky downspout. Particularly when due to condensation, the fungi are obvious on surfaces. At other times they grow inside the structure of wood, wallpaper, or even plaster. In that case all that may be seen are dark pinpoint discolorations (which are actually the fruiting bodies releasing large numbers of microscopic spores).

 

Sunday, November 3, 2019

Anxiety

https://indianexpress.com/article/express-sunday-eye/waiting-to-exhale-anxiety-depression-mental-health-anushka-sharma-alia-bhatt-panic-disorder-social-phobia-6050314/

Gursimran recently disabled the read receipts facility on WhatsApp. “When you have these blue ticks, which tell that people have seen your messages and have not replied — that makes me very anxious. So, I decided not to care if someone has read my messages or not, or whether I know that or not,” says the 30-year-old, who works at a startup in Delhi.

His struggles with anxiety are as old as his professional career. A few years ago, a sense of being out of control led the IIM-Bangalore graduate to a psychologist. “I thought I was depressed, but the counselling psychologist said what I have is anxiety,” he adds.
Much of his anxiety revolves around the demands of his high-stress workplace. “The world can live with the fact that missing deadlines is normal, but I get anxious. If I am made to commit to a timeframe I know I can’t meet, I get stressed: What if I can’t do it? Does this mean that I am failing?” says Gursimran, who has worked in four companies in the last decade and finds workplaces unequipped to deal with mental health issues.
On a spectrum that ranges from nervousness to pathological and crippling anxiety, Gursimran possibly falls somewhere in the middle. But anxiety, when it manifests as a disorder, can throw life out of gear.

Every time Delhi-based Aparajita Sharma, 24, travels to a new place, whether it is a work trip to Udaipur or a holiday to Europe, she gets a panic attack. “It is not travelling that bothers me, it is being in a new place. It is the inability to trust a new place and its people which makes me anxious,” she says. She describes a panic attack somewhat like this: “There are butterflies in my stomach, then my heart starts racing, there is nausea, and I get breathless. I feel like I am having a heart attack and I will not survive the day. When it happened once, I thought it’s physical, but when it happened whenever I was sent to a new environment, I realised there is a problem,” says Sharma, who is a project manager at Mind Specialists, a platform that works towards de-stigmatising conversations around mental health.

“Anxiety is now the most prevalent psychological disorder in human beings,” says Dr Shwetank Bansal, consulting psychiatrist with Delhi’s BLK Super Speciality Hospital. It manifests as a pervasive sense of lack of control, and a feeling of being overwhelmed by the demands of daily life.

Anxiety now features in more conversations than ever before, with testimonials pushing for an acceptance of what is often not acknowledged enough in modern social systems — that human beings break down, especially when exposed to growing demands of performance and success. “As our encounters with anxiety disorder grow, as more people, including public figures, talk about it and as our understanding of its diagnosis and treatment gets more refined, it is natural for people to want it not to impede their quality of life,” says Dr Bansal.

According to a 2018 American Psychological Association survey, 54 per cent of workers under the age of 23 in the US said they felt anxious or nervous due to stress in the preceding month, and close behind were millennials, with 40 per cent of them reporting anxiety.

The National Mental Health Survey of India 2015-16 found that nearly 10 per cent of the population were affected by common mental disorders, including depression, anxiety disorders and substance use disorders. It quoted a study done in Himachal Pradesh, which revealed that 15.5 per cent of the population in the age group of 15-24 years suffered from anxiety.

It could be that everyday life, too, has morphed strikingly. “We don’t have a 9-5 lifestyle anymore; we certainly don’t have a five-day routine. Because of smartphones, you’re carrying work wherever you are, even before you sleep and after you wake up, so your mind is never switched off. That has increased the anxiety of everyday living manifold,” says Dr Samir Parikh of Fortis Healthcare.

“There is a constant pressure of having a certain kind of job, salary or relationship. The idea that their life should look a certain way is making them anxious. But I think the younger generation has become more accepting of the fact that having a problem is normal and it is okay to seek help,” says Dr Anupriya Sircar, clinical psychologist at Max Healthcare in Delhi.

If you have plugged in to conversations about anxiety, however, you might discern a certain fuzziness to them — when everyday responses to stress also are clubbed with feelings of crippling anxiety. “Anxiety is essential, it facilitates our response to either fight or flee. If someone encounters a lion in a jungle, her anxiety makes her run for her life, till she is safe. But if the person cannot let go of the anxiety even when she is safe, is consistently worried and scared, that is how you understand that an anxiety disorder exists,” says Delhi-based counselling psychologist Manisha A Sharma.

Dr Bansal adds that it is crucial to distinguish between plain nervousness and a disorder. “Failing to do this can result in two problems. One, the medicalisation of the normal human experience of anxiety, and two, the opposite effect of trivialising the anxiety disorder of a person as something ‘that everyone experiences and needs to deal with’,” he says.

“One frustration with anxiety is that it is often hard to find a reason behind it. There may be no visible threat and yet you can feel utterly terrified. It’s all intense suspense, no action. It’s like Jaws without the shark. But often there are sharks. Metaphorical, invisible sharks. Because even when we sometimes feel we are worried for no reason, the reasons are there,” wrote Matt Haig in his book Notes on a Nervous Planet (Canongate, 2019).

One of the first public figures in India to open up about seeking treatment for anxiety was actor Anushka Sharma in 2015. “What’s the need to hide it?” she had said. Actor Alia Bhatt, during promotions for her latest film Kalank, also talked about her experience with anxiety. “I haven’t been depressed but I’ve had bouts of anxiety. It comes and goes… No matter how bad it is, I just let myself feel it. Sometimes, I feel like crying for no reason,” she said.

Earlier this year, Kolkata-based pop duo Parekh & Singh cancelled a music tour after vocalist and musician Nishchay Parekh opened up about dealing with performance anxiety. “I’ve been performing music on some sort of a stage since the age of 16. Even though I’m only 26, that amounts to a decade of performance. There have been extreme highs… However, another common thread has been anxiety, stress, and, recently, depression. I’ve been a natural performer and while I know that many live performers suffer from performance anxiety, mine just seemed to grow as the years went by,” he wrote on Instagram. The prospect of playing “big” shows pushed him over the edge, and he lost the joy and comfort he had once found in music.

Last year, Tanya (name changed), 27, used to be anxious all the time — she could feel her heart racing, she was always tense. She was a lawyer then at a firm in Delhi, after which she moved on to do an MBA from a university in Karnataka. “I was facing a lot of pressure at my work and in my relationship, and to cope, I got into drinking. There was a point when I was either working or drinking. One day, I got extremely violent and angry. That is when I realised there is something wrong and I should seek some help,” she says.

Sometimes, the trigger can be an unanticipated jolt of trauma. Five years ago, for example, Sayoni (who uses one name) was working in the US as a journalist when she replaced by an American hire and given a day’s notice. “That changed everything I had planned. I had a student loan to pay off, I had planned a life and career in the US, but I had to move back to India,” says the Kolkata-based content writer, 30. Soon after, she developed psoriasis, a sudden inflammation of the skin.

“Psoriasis can be psychosomatic with roots in emotional trauma. I think that (firing) is the root of a lot of my anxiety. Since last year, I have started developing more intense symptoms. They particularly come at night, irrespective of how tired I am; my heart will be racing, I’ll break into a sweat, have palpitations and will be unable to fall asleep,“ says Sayoni. Despite that, she has not approached a counsellor or psychiatrist, but has chosen to be treated by a homeopath.

In his book, Haig wrote about his struggle to distract himself. “I was careful about what I ate. I did yoga. I tried to meditate. I lay on the floor and placed my hand on my stomach and inhaled deeply — in, out, in, out — and noticed the stuttery rhythm of my breath. But everything was difficult. Even choosing what to wear in the morning could make me cry,” he wrote.

He also listened to podcasts, watched new Netflix shows, went on social media, tried to get on top of his work by replying to all his emails. “I woke up and clasped my phone, and prayed that whatever I could find there could take me out of myself. But — spoiler alert — it didn’t work. I began to feel worse… I would stare at an unanswered email, with a feeling of dread, and not be able to answer it. Then, on Twitter, my go-to digital distraction of choice, I noticed my anxiety intensify,“ he wrote.

Passively scrolling the timeline felt like exposing a wound. He also read news websites but the knowledge of so much suffering in the world didn’t help put his pain in perspective. “It just made me feel powerless. And pathetic that my invisible woes were so paralysing when there were so many visible woes in the world. My despair intensified,“ he wrote.

In her book, Love and Rage: The Inner Worlds of Children (Yoda Press, 2017), clinical psychologist Nupur D Paiva, based in Delhi, busts the myth that children don’t get anxious, by illustrating the oblique ways in which it affects their behaviour.

Recently, a bright 15-year-old student had come to see her. “She was refusing to go to school as she would get panic attacks. She spent the day at home either sleeping or being on the phone. After seven sessions, we realised that she felt that she should not talk about her emotions or needs with her parents. She felt they were already struggling a lot with their lives and careers, and she must not overburden them,” she says.

Paiva is clear she doesn’t want to label children and teens with disorders while working with them. “For a child, it is an experience. My task is to look for what is making the child anxious,“ she says. “Four-year-olds think about god and death or wonder where babies come from; boys are curious about their penises. Parents tend to shut down those questions, but they don’t go away,” she says.

Peers are also an important aspect of an adolescent’s life, but social media has changed that dynamic. The circle that was previously limited to 10 friends and 30 classmates has now widened to hundreds, adding another reason for anxiety to amplify. “One of the reasons for anxiety is the fear of judgement. People are constantly looking at what you are putting on social media and forming opinions — there is a social media reality and you can choose it. People will like and it will determine how you will feel about yourself,” says Paiva.

But parents are now paying more attention to the emotional needs of their children; in contrast, the previous generation did not acknowledge children’s anxieties as valid and important, says Paiva.

For a culture rooted in relationships, the family remains a source of anxiety as well as solace. “I think the family plays a very important role because if they can give the space to the person where they are able to talk and feel understood, I think half the problem is solved,“ says Dr Sircar.

When Uma (name changed), 70, met counselling psychologist Manisha A Sharma, she had already been taking anti-anxiety medicines, prescribed by her general physician, but they did not help much. “She said she did not have any reasons for anxiety; but nevertheless felt anxious all the time. It was after a number of sessions that we found out that even after his retirement, her husband did not spend enough time with her. She had lived her life expecting that they would be together after he retires. But he was a workaholic, and found some other job to keep himself busy,” says Sharma.

For 52-year-old Anuradha (name changed), an associate professor in University of Delhi, a diagnosis of anxiety led to relief, but also criticism from her husband and friends. “They couldn’t understand my problems and said it happened to everyone… They said there was no need to go to doctors. They thought I was making it up,“ says Anuradha, whose mental health problems exacerbated with menopause.

The first step for family members is to understand when to prod others to seek help. “If you feel there is a drastic change in behaviour, if a very gregarious person now only keeps to himself, it is a cause for concern. If you see irritability or if you see he is getting low or getting angry, if he is anxious and constantly asking for reassurance, these are some signs which can tell you something is wrong,” says Dr Sircar. For those afflicted, her advice is simple: “If your anxiety is affecting your work, or sets your heart racing; if you tend to worry often about catastrophic outcomes, it is time to ask for help,” she says.

It’s taken a while, but Anuradha’s family and friends have come around now; she is on anti-anxiety medication and attends counselling sessions. “The support of my husband has been vital. He is careful about what makes me anxious, and that helps me manage my anxiety,” she says.

“The other day, I had planned to celebrate a friend’s birthday at work, but the teachers got agitated about an issue in the college staff room. I realised that my anxiety could increase, and before it did, I picked up my bags and left for home. The celebration could wait, but my anxiety would not,” she says.

What’s to worry?
Generalised Anxiety Disorder (GAD): The most common form of anxiety, it is an extreme, intense and absurd worry associated with everyday life. You will anticipate disaster about everyday things and experience fatigue, nausea, headaches, restlessness, insomnia and sweating.

Panic Disorder: If you get recurring panic attacks, it is possible that you have a panic disorder. Physical symptoms include rapid heartbeat, perspiration, dizziness, hyperventilation, chest pains and crying.

Social Phobia: Not to be confused with shyness. If you’re scared of being around people altogether, you might be experiencing social phobia, which is an intense fear of being in a social situation and being judged by other people.

Post-Traumatic Stress Disorder (PTSD): If you have experienced something traumatic in the past, and keep revisiting that memory, you might be going through PTSD. It can last for years, with physical effects including severe insomnia and constant fatigue.

Obsessive Compulsive Disorder (OCD): If you tend to have certain thoughts or tend to do certain routines repeatedly and are unable to control them, you might be experiencing OCD. Eating only out of a particular plate may be mild OCD, but refraining from eating if that plate is not available is acute OCD.

Anxiety

https://indianexpress.com/article/express-sunday-eye/living-with-mental-illness-6096400/
I had my first panic attack when I was 18 years old. It was 7.30 am and I was supposed to be up for college. I remember thinking that I couldn’t afford to miss class when I was already falling behind, but for reasons unknown to me, I couldn’t move. A feeling of dread was settling in and it felt like my brain had disconnected from the rest of my body. My vision was blurry, my heart was racing and I was sweating while the air-conditioner was set at 18 degrees Celsius.
The next thing I knew, I was hunched over the toilet pot, throwing up. I ended up passing out in the washroom and skipped the rest of the day. These episodes became so regular that I eventually began therapy, and was later diagnosed with Generalised Anxiety Disorder. Looking back, I wish I could pinpoint exactly when and why anxiety became such a huge part of my life. As a child, I was shy and mostly kept to myself. When we’re little, things like hesitating before placing orders at restaurants or feeling nervous before presentations are common. But children are expected to grow out of that.
I overcame my fear of placing orders at restaurants, but it was replaced by an irrational fear of eating in front of people. One time, a friend stayed at my house for a couple of days, and I was so nervous to eat in front of him that I ended up going mostly hungry for the entire duration of his visit. When I started work for the first time, I was afraid to order food and eat in front of my colleagues because I thought they would judge the food or the way I ate.
Another exhausting aspect of my anxiety is the constant fear that I’m going to lose everyone I’ve ever loved. I have recurring dreams in which I’m burying the bodies of my loved ones. One time, my mother had an incessant bout of hiccups that wouldn’t stop no matter how much water she drank, and I panicked because I couldn’t stop picturing that Grey’s Anatomy episode where Meredith’s stepmother died after she was admitted to the hospital for non-stop hiccups.
My best friend suffers from severe depression, which results in him going off the grid quite often to remain sane . I’ve known him for four years and understand his need for space, but every time he doesn’t respond to my calls or texts for more than a certain number of hours, I can’t help but wonder if he’s finally decided to fling himself off his 17th-floor balcony. When my 11-year-old brother comes home late from football practice, I can’t help but wonder if he’s lying dead somewhere.

Anxiety is so much more than overthinking. It makes you withdrawn, highly irritable and leaves you constantly tired. It fills you with the false belief that worrying means control. And the way the world works is that most times, you don’t control the things that happen to you. It can be exhausting to have your brain constantly analyse every thought, experience, memory and moment. Even the days you spend lying in bed can feel like you’ve just run a marathon. Every little interaction is dissected and scrutinised. You’re always second-guessing everything you’ve ever said or done. It’s hard to be present in a moment when you’re dreading what it’ll be like when it’s over. When good things happen, you’re waiting for the other shoe to drop. When bad things happen, you think it’s because you didn’t worry enough.

People with anxiety are often told to not “think so much”, “calm down”, “go with the flow” and “live in the moment”. In theory, this sounds easy. But living in the moment is a far-fetched concept when every milestone you’ve hit is marred by a crippling sense of fear, worry and apprehension. Anxiety and imposter syndrome often go hand in hand. All your achievements seem like scams or coincidences at best. You feel like a fraud who’s going to be exposed soon. When you’re low, it’s because you deserve it. When you’re riding high, you don’t deserve it. High-functioning anxiety makes you come across as calm, collected and put together on the outside. Internally, though, there seems to be perpetual chaos because you’re constantly overthinking, overanalysing and seeking approval.

The thing about mental illness is that while you can learn to live with it, it doesn’t truly leave you. It might not be as crippling as it used to be, but every now and then, it’ll show up when you least expect it. It’s easy to fall off your wagon when that happens and it’s just as hard to get back on it. It can take a very long time to figure out how to function normally despite your deteriorating mental health.
I think a good way to navigate around mental illnesses is acceptance of the fact that you are, in fact, sick. You wouldn’t ignore a broken leg till it worsened to a point where you had to cut it off. The trick is to be just as kind to yourself when dealing with your mind. Having a good support system in terms of friends and family is essential, but so is the knowledge that ultimately, you’re the only one who has to deal with the mess in your head.

Monday, November 26, 2012

PRIMER - A quick guide to matters monetary

PRIMER - A quick guide to matters monetary

Mint 04th November 2008.

Mint presents a rough and ready guide on four key monetary management measures and their implications:

The repo rate, The repo or repurchase rate —RBI’s main short-term lending rate—has been cut by 50 basis points to 7.5%. This is the second repo rate cut in less than a fortnight. On 20 October, RBI had cut the repo rate by 100 basis points to 8%.
One basis point is one-hundredth of a percentage point.
With the latest cut, the repo rate has retreated to the January 2007 level.
Unlike other central banks, RBI has two policy rates—the repo rate, at which it injects money into the financial system or lends money to banks, and the reverse repo rate, at which it sucks out excess money or borrows money from banks.
If liquidity is abundant in the system, then reverse repo becomes the key policy rate, but when money is scarce—as is the case now—and banks borrow from RBI, the repo rate is the policy rate.
Also, these two rates create the corridor or band within which the overnight call money rate—the rate at which banks borrow from each other —should move.
By cutting the repo rate by 50 basis points, this corridor has shrunk to 150 basis points (the reverse repo rate is 6% now, unchanged since October 2006).
Following the cut, the overnight call money rate should be less volatile because it has less room to move about in. Ideally, it should vary between 6% and 7.5%. But the overnight call money rate shot up to cross 20% last Friday when the repo rate was 8%. This means the repo rate per se has no bearing on the market rates. In fact, the market rates depend more on the availability of liquidity than the policy rates.
Similarly, a cut in the repo rate does not necessarily signify lower bank lending rates.
Again, liquidity plays a key role here. Banks do not lend to companies and individuals by borrowing from RBI. They borrow from the central bank to take care of their temporary asset-liability mismatches. To borrow from RBI, they need to offer government bonds as collateral. If they are short of government bonds, they cannot borrow from RBI and hence they need to turn to the overnight inter-bank call money market. At best, a cut in repo rate is a signal to banks to pare their lending and deposit rates but its effectiveness depends on liquidity in the system.

The statutory liquidity ratio SLR has been cut by 100 basis points to 24%, the first such reduction since 1997.
Following the cut, banks will be required to invest 24% of their deposits in government bonds, instead of 25%. This means they will have more cash in hand to lend to industry.
By definition, SLR bonds are liquid assets that can be sold at a short notice to meet any unexpected demand from depositors. Higher reserve requirements such as CRR and SLR make banks relatively safe (as a certain portion of their deposits are always redeemable) but at the same time restrict their capacity to lend. To that extent, lowering of reserve requirement increases the resources available with a bank to lend.
Historically, SLR of Indian banks has been high as they need to bear the burden of the government’s fiscal deficit.
The government borrows from the banks every year to bridge the fiscal deficit.
And since there is no improvement in the government’s fiscal health (in fact, it is worsening), banks will continue to buy government bonds and the cut in SLR may turn out to be an academic exercise. Currently, the industry’s SLR holding is around 27.5%. Banks use government bonds held by them in excess of their SLR requirement as collateral to borrow from RBI. On 16 September, RBI had announced, as a temporary and ad hoc measure, that banks could get additional liquidity support from the central bank up to 1% of their SLR.
That amounted to a virtual cut in SLR. This reduction has now been regularized, releasing Rs40,000 crore to the banking system for lending.

The cash reserve ratio CRR determines the proportion of bank deposits that is to be kept with RBI. It has been cut by 100 basis points in two stages. With this, RBI has brought down CRR from 9% to its January 2007 level of 5.5%.
The outstanding deposit portfolio of the Indian banking industry is Rs34.69 trillion. This means a 100 basis points cut in CRR releases Rs34,690 crore into the system. However, the actual amount is more—close to Rs40,000 crore. This is because banks keep funds with RBI on what is in monetary jargon called net demand and time liabilities. This includes certain other liabilities, besides deposits.
So, in the past few weeks, a 350 basis points CRR cut had released Rs1.4 trillion.
Banks can use this money to lend. A cut in CRR also increases banks’ income. RBI does not pay any interest on the cash balance kept with it. Banks can earn 13.5-14% from the freed-up money if they lend to corporate customers with good ratings or around 7.5% if they invest in government securities.
Theoretically, the level of CRR can be brought down to zero. This means, RBI can at best release Rs2.2 trillion into the financial system to ease the liquidity constraint. The Indian central bank will probably feel the need to cut CRR again (and again) unless it stops intervening in the foreign exchange market.

RBI has been selling dollars to stem the fall of the local currency that has fallen 20% against the US currency since January. For every dollar RBI sells an equivalent amount of rupees is sucked out from the system. In other words, liquidity will remain in the system if RBI stops selling dollars and allows the rupee to depreciate. This situation can also be achieved if the supply of dollars increases with foreign institutional investors (FIIs) buying Indian equities and local firms borrowing overseas.
The combination of adequate liquidity and low policy rate can bring the borrowing cost down for firms and individuals.

Market stabilization scheme Till the time the rupee was rising against the dollar, RBI was aggressively buying dollars from the market to stem the rise of the local currency. This is because a strong local currency hurts exporters’ interest as their income, in rupee terms, comes down.
For every dollar RBI sold, an equivalent amount of rupees flowed into the system and that, in turn, was sucked out by bonds, floated under the market stabilization scheme.
RBI floated both dated se curities as well as treasury bills under the scheme and the so-called MSS bonds were not part of the government’s annual borrowing programme that raises money to bridge the fiscal deficit. RBI has now decided to buy back MSS dated securities to provide another avenue for injecting liquidity. This will be calibrated with the market borrowing programme of the Indian government. The government is slated to borrow Rs29,000 crore till the end of this fiscal under its annual borrowing programme but Union finance minister P. Chidambaram has hinted at fresh fund-raising by the government to bridge its rising fiscal deficit.
The outstanding MSS bonds in RBI book are worth Rs1.74 trillion and out of this, dated securities account for Rs1.35 trillion with the rest being short-term treasury bills. RBI plans to buy back part of the MSS bonds to generate cash for banks which can reinvest them in government bonds that will be floated between now and March 2009. In other words, banks will not be required to dip into their deposit pool to buy government bonds. The buy back will help the banks generate liquidity and the government see its borrowing programme through.
However, the response of banks to the buy back programme will depend on the price of MSS bonds. Since interest rates can only go down in coming days, banks may find staying invested in MSS bonds makes business sense.
In a low interest rate regime banks make more money in bonds as their prices go up, pulling down their yields.

Wednesday, November 7, 2012

Sciatica


Sciatica is a symptom of an underlying disorder that results from compression of the sciatic nerve, which originates in your spine and runs down the backs of your legs into your feet. Swimming may be a beneficial exercise for alleviating some of the symptoms of sciatica pain.

Sciatica pain can cause a number of symptoms, some of which can leave you unable to move without extreme discomfort. One of the most easily recognizable symptoms of sciatica is a shooting or radiating pain that starts in your lower back and travels into your buttocks and down your leg. Other symptoms include tingling feelings or sharp pain in your hips or buttocks, or feelings of numbness in one or both thighs or in other areas where the sciatic nerve runs, such as in your calf muscles or feet.

Some excellent information on Core strengthening and Nerve pain can be found in the links below:







A healing pinched nerve may not always feel like it's actually healing. It usually means an unpleasant tingling feeling in the affected area, whether it be the arm, shoulder, neck, leg, or back. If this pain and tingling moves over time, it's a sign that the pinched nerve is healing

Saturday, November 3, 2012

Indian Wedding: Men's acceesories


Sherwani

A Sherwani is a long coat-like jacket fastened with buttons. It comes to just below the knees, hitting somewhere high on the calf. The jacket has a Nehru collar, which is a collar that stands up (sometimes called a "mandarin" collar).


This jacket is often cream, light ivory, or gold colored for weddings, especially those in the morning. It can be embroidered with gold or silver. While traditionally light in color, the jackets can be worn in dark colors, like reds, blacks, or navy, typically later in the day. A scarf is sometimes added to the jacket over one or both shoulders.


The Sherwani is worn with tighter fitting pants or trousers called churidars. Churidars are trousers that are loose around the hips and thighs, but are tight and gathered around the ankle.




Jodhpuri

A Jodhpuri suit is a majestic looking suit, sometimes referred to as a "prince" suit. It has a western three-piece look, including coat, trousers, and possibly vest. The Nehru collar is often on the jacket and/or shirt worn with the suit.


This suit would be a perfect choice for the groom in a bridal party. He could choose one with hand-stitched embroidery in silver, gold, or other color in an elegant design.


Kurta Pyjama

The Kurta pyjama is a traditional dress of men in India. It features a loose fitting, collarless long shirt over a pants in a complementary or contrasting color. The style of the Kurta can be either formal or informal, depending on the fabric or embroidered design.A veshti (dhoti) is a long, flowing skirt considered formal wear for men in India. The draping of the skirt depends on the region in which one is from. The Kurta is often worn with the veshti.


Indian Wedding Attire for Men: Accessories


As with any groom, an Indian man will want to accessorize his outfit. As mentioned, scarves draped over shoulders (or perhaps tied around the waist) are popular choices to accentuate the formal attire.


Turbans can be worn by Indian men of certain faiths, perhaps with a sehera tied to the front. Sehera is a veil of flowers said to ward off the evil eye, much like the American custom of the bride's veil.


Mojris and jutties are often colorful and ornate pieces of footwear. They often include beading and embroidery and can complete the men's look.

Friday, May 25, 2012

Mental Health


May 23 2012.
Mint news paper

Families find few avenues for care and treatment of the mentally ill


Santosh Kumar Bhowmik, a 67-year-old retired professor, sits erect on a marble bench at a cafeteria at Dilli Haat, an outdoor food plaza and handicrafts bazaar in Delhi, sipping Sprite from a plastic cup while keeping a watchful eye on his son.

At 33, the son conducts himself with the shy deference of an adolescent. At the moment, he is facing a metal pole, muttering quietly under his breath to people no one else can see or hear.

Bhowmik’s son Surjit suffers from schizophrenia, a mental illness that typically makes it difficult for an individual to think logically, have normal emotional responses, and distinguish between real and unreal experiences.

“I do not know what will happen to him after I am no more,” Bhowmik said. “I leave it up to God.”

He is not alone in his anxiety.

The ministry of health and and family welfare estimates that as many as one out of four Indian families will have at least one member diagnosed with some sort of mental illness. At least 7% of the population is estimated by the ministry to suffer from “severe” mental illness.

Yet, with only 37 government institutions to care for the mentally ill in a nation of more than one billion people, there are limited long-term resources for families struggling to look after a relative who needs psychiatric treatment. In northern India, there isn’t a single government-run rehabilitation centre where people with incurable mental ailments can be admitted.

“For 18 years, I have cared for my son at home because I do not have a choice,” said Bhowmik. “It is not enough to give medicine to patients suffering from schizophrenia. They require special care, which we cannot give at home, but I do not have the money to institutionalize him in a private facility. I don’t like to think about what will happen to him after I am gone.”

In the 1980s, the World Health Organization released the startling findings of a two-part study on mental illness: Patients suffering from schizophrenia in developing countries such as India, Nigeria and Colombia had better long-term outcomes than those in developed countries, which included Denmark, the US and Canada.

The culmination of decades of research, the study examined long-term treatment of more than 1,000 schizophrenic patients across 16 countries, concluding the greater levels of acceptance, stronger social ties, and greater family involvement more common in developing companies appeared to be “key positive factors” linked to patient recovery.

While the study’s findings have been criticized on the grounds that it may have ignored patients locked away by families concerned about the social stigma associated with mental illness, it contained important insights into its treatment.

“Social ties are one of the intervening factors that affect patient outcomes. There was another study in the UK which looked at different ethnic groups, and Asian families with stronger social ties showed better recovery and remission rates,” said Manasi Sharma, a research coordinator at Delhi-based Centre for Excellence in Mental Health. “But caution has to be exercised by looking at these studies—it can go both ways. Families have been known to shun patients, too.”

Should the study be conducted in India today, it would likely yield very different results. Economic liberalization and policies successful in lifting millions of people out of poverty have also reshuffled social structures. Large joint families that used to be the norm have given way to the smaller, nuclear families typical of most Western countries.

Nirmala Srinivasan, founder of the Association for Mentally Disabled, a support group for caregivers to the mentally ill in Bangalore, said there is no doubt that the burden of caring for the mentally ill is growing.

The daughter of a woman diagnosed with schizophrenia and the primary caregiver to another close family member struggling with mental illness, Srinivasan has unique insights into how deteriorating social support networks have burdened modern day caregivers.

“I grew up in a large south Indian orthodox Brahmin family, with a lot of widowed aunts. It was a very large joint family, so I never felt the burden of my mother’s care,” said Srinivasan, who fondly recalls a childhood filled with neighbours, festivals and a family that worked together to manage her mother’s illness, to make sure that her mother always felt included and was never alone.

“But now there’s an issue with inadequate family resources, particularly among middle-class families that have migrated to urban centres,” she said. “My father had a tremendous in-house support network. That is completely lacking for caregivers across the country today.”

The growing verticality of cities, which stacks families into isolated apartment units, also serves to isolate them, while exacerbating the stigma associated with mental illness, Srinivasan said.

“They won’t seek help if there’s a crisis unless the (patient) becomes violent. They don’t want to have to explain it to the neighbours the next day,” she explained. “Sometimes I think that the mentally ill in slums may fare better during emergencies than middle-class families, because in slums you can’t hide an emergency. Whether it’s a mental crisis or labour pains, the entire community will rally and bring them to a hospital. And if it’s a village, they’ll put them in a bullock cart.”

Paying for long-term care can also leave families in a financial hole, particularly those who lack insurance.

“I have no options, I cannot even get a loan,” said a woman who’s a full-time caregiver for two family members—a father who suffers from dementia and a brother diagnosed with schizophrenia. “For poor people, there are loan options, but for the middle class, there is nothing. And mental illness affects all income levels, so the issues cut across income levels too.”

Taking on the mantle of the caregiver eventually forced her to quit her full-time job, said the woman, who spoke on condition of anonymity. The scant wages she earns as a freelancer in the social development sector makes hiring any sort of full-time help out of the question.

Finding trained nursing attendants is difficult and costly—a full-time trained nursing attendant costs Rs.35,000-40,000 a month plus food, and adult diapers (now necessary for her father’s care) cost her approximately Rs.300 a day. Even keeping a full-time maid is hard as most don’t stay, unnerved by her brother’s erratic behaviour.

Even while families are increasingly feeling the pinch, state governments are yet to step up to provide viable alternatives. This void is most keenly felt by families living in northern India. As of now, there is not a single government-run rehabilitation centre in the region where patients with incurable mental ailments can be admitted for long-term care.

But the ripple effects of government apathy in the North are also felt in the South, where the few private rehabilitation centres that exist have learned to be wary when approached by northern families.

“After very bitter experiences in the past, we are hesitant to admit patients based in northern India. The likelihood of abandonment is very high and the distances make following up with the families very difficult for us,” said M. Ranganathan, a caregiver at Family Fellowship Society (FFS) in Bangalore.

Ranganathan retired from the National Institute of Mental Health and Neuro Sciences in Bangalore after four decades of work in the area of psychiatric social work. He cited three recent instances when families based in Delhi abandoned the patients at FFS.

“They did not pay the monthly charges and stopped answering our phone calls. Eventually, we had to seek police assistance to get the patients back to their homes, as we cannot take care of patients without financial assistance,” he added.

Bhowmik’s is one of 25-odd families that came together to fill the void for rehabilitation centres in Delhi three years back by forming a social support group of caregivers and mentally ill patients.

Rajeshwari Iyer, one of the founders of the group Roshni, shows through personal example how strong family support can make or break recovery for a person struggling with mental illness. Her daughter Madhu was diagnosed with schizophrenia when she was 16 years old. Now 34, she is working as a receptionist at a doctor’s office and hopes to lead a normal life—perhaps even get married.

Her own recovery has inspired her to help others struggling with mental illness. “In the absence of my mother, I try to help patients and even counsel families based on my experience as a patient,” said Madhu.

Her mother knows all too well what can happen when the primary caregiver passes away, and no long-term care facilities exist. Three months ago, she received a call from the Delhi Police asking that she help with someone they suspected was mentally ill.

Iyer arrived at a dilapidated home that looked abandoned. Living inside, in the dark, was an unshaven man with dreadlocks and an insect-infested beard.

“His legs were gangrenous,” she recalls, shuddering. She learned from neighbours that the man suffered from psychosis and had been cared for by his parents, who passed away several months back. His brothers and sisters all lived in Delhi, but refused to come forward to claim him, saying there was no way they could care for both him and their own families.

Iyer was able to intervene and get the man accepted at a government hospital. But there are many others who are not so fortunate.

“I remember one mentally ill man whose primary caregiver died,” she said. “His brothers would not take him in and put him on the streets. Three days later, he was dead.”

Barring government intervention, the group members have no choice but to take matters into their own hands. “In Delhi, it frustrates me that being the national capital and despite having resources at command, not a single home for mentally ill patients exists,” said Bhowmik. “My request to families in Delhi will be to start a self-help movement, mobilize resources instead of waiting for the government to pitch in.”