Friday 18 November 2016

Central Obesity


                                       



Central Obesity is associated with Coronary Heart Disease, risk in women and men. In women, estrogen is believed to cause fat to be stored in the buttocks, thighs, hips and abdomen. Abdominal Obesity in males is correlated with comparatively low testosterone levels.
It is a common misconception that spot exercises burn fat at specific locations, but that is not the case. Spot exercises are beneficial for building only specific muscles, but with little effect. Sit-ups, crunches, and other abdominal exercises are useful in building the abdominal muscles, but with little effect, if any, on the Adipose Tissue located there.
A permanent routine of exercises, eating healthier, combining cardiovascular (aerobic) exercise with resistance training is more effective than cardiovascular training alone, in getting rid of abdominal fat. Additional benefits to exercising are that it reduces stress, which reduces the presence of cortisol, a hormone that leads to more belly fat deposits.

Friends read, learn, act and stay fit!


Monday 14 November 2016

Message from CREDAI

There are rampant news articles about there being a correction in pricing of real estate by various opinion makers who seem to think they have the authority to make such claims. As an industry body representing organised real estate, we again reiterate that the industry has always been catering to the primary market which comprises end users who aggressively avail home loans. Moreover, with this step of demonetisation, banks are again going to be flushed with liquidity of approx. 15 lakh crores and will be compelled to lend aggressively. To do that ,they will have to lower  interest rates.  Demonetising currency has also removed surplus liquidity from the market and this in turn  will result in low inflation . We expect that the RBI would definitely, in the coming months, reduce the REPO rates by at least 2% so that a home loan would come down to at least come down to 7%. The home loan rates coming down to such levels of sub 7% in the next year or so, the atmosphere will become more like the west where home loans are available at 5% and below. Unlike the western countries, India has a documented shortage of housing and homes, an aggressive domestic demand for real estate. This essentially means that in the presence of a lower home loan interest regime, a larger pool of home buyers would avail loans to buy the home they always wanted. This could be made possible in as soon as the next six to twelve months. The housing industry will start to grow at a rapid pace while concurrently being in compliance with transparency and fair practices like RERA .

We appeal to potential home buyers to understand the long term effect and benefit of this great move and not be misled into believing that property prices will fall. Currently the real estate market is at its best possible price point with no further margin with the developers to reduce prices. Now it is the responsibility of financial institutions to enable home buying during such an optimum scenario.