Saturday, 20 October 2018

[www.keralites.net] SASSY WATER FOR FLAT BELLY

 

SASSY WATER FOR FLAT BELLY
Sassy Water has been named after Cynthia Sass, co-author of the world's bestseller "The Flat Belly Diet". She recommends this drink and says it is the first step to flat belly. With nutrition plan and by drinking 8 glasses of Sassy Water per day, dieters can achieve their goal.
This drink not only calms down your gastrointestinal tract, also helps you get rid of the excessive water in your body and to prevent constipation.

Sassy Water recipe
Ingredients:
1 bowl;
8 glasses of water (filtered water is ideal);
1 middle length cucumber, chopped on slices (it is a natural diuretic which helps your body release sufficient water);
1 middle size lemon, sliced (digestive support of your organism to cleanse the liver);
1 coffee spoon of grated ginger (for keeping the metabolism rate);
12 mint leaves.
Sassy Water IngredientsPreparation:
Mix all ingredients in the bowl;
Leave the mixture in the fridge during night;
Drink Sassy Water during the next day, started in the morning.
Benefits of Sassy Water
Lemon and lemon water are perfect for the weight loss process. Lemon is a natural diuretic and it is an alkaline food which provides proper pH balance.
Cucumber is a nutritive diuretic. It contains the protein – digesting enzyme and ere spin. It is a kidney function that burns fat through urine. This function has an essential significance for healthy weight loss effect.
Mint. It is well known after calming effect on your stomach. It also helps you to improve digestion. Some say that it is good for your nerve system to inhale this relaxing aroma.
Ginger is one of the most impressive ingredients in this recipe. It has a marvelous smell & taste and conveys many healthy benefits. Ginger is very useful for calming down your gastrointestinal tract.
Sassy Water Benefits
Principles of the Sassy Water
Dieters should consume Sassy Water in the first 4 days of diet. After that, food with only 1600 calories per day is included. The focus is on whole grains, fresh fruit and vegetables. This diet is unique because you are allowed to eat at least one dish of monounsaturated fats during each meal. The latter can be in form of dark chocolate, avocado, nuts and seeds. In order to provide optimal digestion and to keep your body energy stable, you should eat your meals in every four hours.
Sassy Water contains ingredients that improve digestion and prevents appetite. Everything you need to do – is to drink 8-10 glasses per day. A proper nutrition and consuming of additional liquids will prevent bloating and constipation.
Effects of Sassy Water
Drinking water, especially Sassy Water and using low calorie food will cause immense changes, in & on your body in only four days. Even your wrinkles can disappear. By eliminating carbohydrates, red meat, sugar and caffeine from your daily menu, your body will stop storing water. By losing weight symptoms of weaker, light headed or nauseous are possible in this period. But, these symptoms may not happen, however. Finally, this reactions vary from person to person.
Who Тhe Sassy Water Diet is Good For?
Besides all possible negative effects of Sassy Water Diet, there are some benefits for the detoxification process. Your body will rehydrate and eliminate toxins in few days, but that does not guarantee that the lost weight won't come back when you start consuming a "real food".. Your body can start storing water at the moment when you start consuming carbohydrates and sugar. That is why it is very important to maintain the result of Sassy Water Diet.
After Sassy Water DietSassy Water can be a good plan for those who don't want to lose weight, but only to clean their system. This mixture of ginger, cucumber, lemon and water can improve digestion and maintain hydration in your body that decrease the desire of sugar.
What You Can Eat and What You Can't?
First of all, the point is to consume water only in the first 4 days. In the meantime, take fruit and vegetables as much as you need. But, you must avoid:
Food that produces gases: beans, broccoli, and onions;
Carbs such as: pasta, bananas, and bagels.
Also, you must drink at least 2 l (about 68 oz) of Sassy Water.
After that, proper nutrition is recommended in the period of 4 weeks. 1600 calories per day are recommended.
Sassy Water Flat Belly Diet Menu
Level of Effort: Medium
By consuming low calorie food, which is: caffeine-free, has a little number of calories and by fitness exercises, your diet will reach the target: flat belly. The nutrition is focused on monounsaturated fats which comes from olive oil, nuts and other herbal food. By following this program, Cynthia Sass claims that you can lose up to 15 kg. And, that means that you must follow this:
Eat 400 calories per meal, 4 times per day (all in all, 1600 calories per day);
Eat every 4 hours;
Take monounsaturated fats in every meal.
Does It Allow for Dietary Restrictions or Preferences?
Do not add salt in your food. Eat low fat food – it is healthy for your heart anyway. Eat monounsaturated fats in every meal – you are satiated and you take low amount of calories at the same time.
Keep It Cool
For better result, keep Sassy Water in the fridge. Cold liquid is better because your body uses more effort to reach the desired temperature. Therefore, you burn more calories.
Read more: http://www.healthandlovepage.com/sassy-water-flat-belly-d…/…
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- M.D.HEGDE MANGALORE
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[www.keralites.net] Cardamom for Depression

 

 
CARDAMOM[ Elaichi} For Depressio/anxiety & Other Uses
Cardamom, is one spice, which is widely used in Indian cuisine, for its amazing taste. Besides, adding taste to your recipe, this spice is a medicine for various treatment like mouth ulcers, digestion etc. Know more about this famous spice with Shilpa Mittal - Nutritionist, Diet Consultant and Founder of Nutrilife Health Management, Mumbai.
Health Benefits od Cardamom
Digestive disorders
This spice is great for boosting digestive health. It helps in stimulating the digestive system and reduces gas and bloating. It also helps in relieving acidity. Choose cardamom tea to treat headaches caused by indigestion.
Bad breath
If you are troubled with bad breadth, then chew some cardamom. It will work as a mouth freshener and help get rid of bad breath.
Depression
If you are one of the victims of depression or anxiety, then powder some cardamom and boil it in hot water to prepare cardamom tea. The pleasing aroma will help you ease your depression and other mental problems.
Expectorant action
Cardamom helps to improve circulation to the lungs, so it is recommended for people suffering from asthma andbronchitis.
Impotency
If your sex life is going down the drain, then use cardamom. Cardamom can be used to treat sexual dysfunctions like impotency and premature ejaculation.
Other benefits
Besides, the above benefits, cardamom also has a cooling effect; stimulates the appetite and eases stomach cramps.
Uses of Cardamom
Cardamom can be used in garam masala, tea, coffee and paan.
Cardamom can also be used in Indian desserts like phirni, gulab jamun etc. The use of cardamom gives a distinctive flavour to the food. 
The whole green cardamom can be used in pulavs, curries and hot dishes like biryanis, pulaos and kebabs.
- M.D.HEGDE MANGALORE
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[www.keralites.net] REVERSE MORTGAGE

 


SENIOR CITIZENS CAN BENEFIT FROM REVERSE MORTGAGE
The life expectancy in India has been rising steadily in the last few decades. However, so have the costs of medical treatment. For senior citizens, who have a lack of regular income or financial support from children, this could lead to a financial crisis. Further, gone are the days when the elderly lived with their sons and daughters, depending on them for their amenities and medical needs. The reverse mortgage, introduced by the Union Government in 2007, is an answer to such issues faced by senior citizens, giving them a life of dignity.
What is reverse mortgage?
Mr. Sharma, a central government retiree, has been living with his wife in an independent home for the last 35 years. His two sons, both settled in New York, have no intention of moving base to India. Husband and wife, well past in their sixties do not wish to live with their sons in a foreign country. Mr. Sharma, a heart patient and his wife a diabetic, have a substantial monthly medical expenditure. Not satisfied with his pension, and not wanting to depend on his sons, for household expenditure as well as medical care, he approached his bank for a solution. The bank advised him to opt for Reverse Mortgage, to ease his monthly expenses.
In simple terms, a reverse mortgage is the "opposite" of a conventional home loan. A reverse mortgage enables a senior citizen to receive a regular stream of income from a lender (a bank or a financial institution) against the mortgage of his home. The borrower (i.e. the individual pledging the property), continues to reside in the property till the end of his life and receives a periodic payment on it.
How does a reverse mortgage work?
When the home is pledged, its monetary value is arrived at by the bank, on the basis of the demand for the property, current property prices, and the condition of the house. The bank then disburses a loan amount to the borrower in the form of periodic payments, after considering a margin for interest costs and price fluctuations. The periodic payments also known as reverse EMI are received by the borrower over fixed loan tenure. With each payment, whether monthly or quarterly, the equity or the individual's interest in the house decreases.
A reverse mortgage is an ideal option for senior citizens who require regular income, or if the property is of illiquid nature for some reason.
General guidelines for reverse mortgage
The Reserve Bank of India has formulated the following guidelines for a reverse mortgage.
Maximum loan amount would be up to 60% of the value of the residential property.
Maximum tenure of the mortgage is 15 years and minimum is 10 years. Some banks are now also offering a maximum tenure of 20 years.
Option of monthly, quarterly, annual or lump sum loan payment.
Property revaluation to be undertaken by the lender once every 5 years.
If at such time, the valuation has increased, borrowers have the option of increasing the quantum of the loan. In such a case, they are given the incremental amount in lump-sum.
Amount received through reverse mortgage is a loan and not income. Hence it will not attract any tax. However, a borrower is liable to capital gains tax, at the point of alienation of the mortgaged property by the mortgagee for the purposes of recovering the loan.
Reverse mortgage interest rates could be either fixed or floating. The rate would be determined by the prevailing market interest rates.
Eligibility Criteria for reverse mortgage
House owners above the age of 60 years. If spouse is a co-applicant, then she should be above 58 years.
Owners of a self-acquired, self-occupied residential house or flat, located in India. The titles should be clear, indicating the prospective borrower's ownership of the property.
Property should be free from any encumbrances.
The life of the property should be of minimum 20 years.
Property should be the permanent primary residence of the individuals.
Settlement of a reverse mortgage
A reverse mortgage loan becomes due when the last surviving borrower dies, or if the borrower chooses to sell the house. The bank first gives an option to the next of kin to settle the loan along with accumulated interest, without sale of property. If the next of kin is unable to settle the loan, the bank then opts to recover the same from the sale proceeds of the property.
Any extra amount, after settlement of the loan with accrued interest and expenses, through the sale of the property, will be passed on to the legal heirs. If the sale proceeds are lower than the accrued principal plus interest amount, the loss is borne by the bank. This loss could happen in cases where the banks original estimation is not in line with the real estate market movement.
Other Highlights of reverse mortgage
Prepayment of loan: Borrowers could prepay the loan at any time during the tenor of the loan, at no prepayment penalty or charges.
Outliving the tenure of the loan: If the borrower outlives the tenure of the loan, he could continue to stay in the house. The lending institution may however cease the monthly payments. Settlement of the loan is done only after the borrower's death.
Death of one of the spouses: If one of the spouses dies, the other can still continue living in the house. Only on death of both, settlement of the loan takes place.
Foreclosure: The loan could be foreclosed by the lender if
The borrower has not stayed in the house for a continuous period of one year.
The borrower has not paid property taxes and fails to insure the home
If the borrower declares himself as bankrupt.
If the mortgaged property is donated or abandoned by the borrower.
If the borrower makes changes in the residential property, that could affect the security of the loan for the lender. This could be renting out part or entire house, addition of a new owner to the house's title or creating further encumbrance on the property.
If the government under statutory provisions, seeks to acquire or condemn the residential property for health or safety reasons.
Drawbacks of reverse mortgage
Lengthy documentation procedures: Banks require various documents of the property. For a senior citizen this procedure could be tedious, complicated and difficult to understand.
Fixed monthly amounts: The monthly payouts are fixed. There is no provision to increase this amount in case of an emergency or contingency.
Popularity of the scheme in India
Though introduced in 2007, Reverse Mortgage has not gained much popularity in India for the following reasons.
Inadequate marketing of the product. Recent reports indicate that many of the senior citizens are not aware of the existence of such a product.
Many banks which offer Reverse Mortgage have capped the maximum loan amount available for individuals to a maximum amount of Rs. 50 lakhs to 1 crore.
Children have resentment for a reverse mortgage as they see it as giving away their family home or legacy.
Reverse Mortgage is a relatively new concept in India. It would take some time for a change in mind set of individuals to accept it. As a financial tool, Reverse Mortgage is ideal to augment a senior citizen's income in his years ahead. Despite all its shortcomings in India, it could make good the shortfall in one's pension or income to live a quality life ahead.
- M.D.HEGDE MANGALORE
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