Showing posts with label Short. Show all posts
Showing posts with label Short. Show all posts

Friday, January 17, 2014

Short And Long - term Effects Of Nicotine On Health

Short And Long - term Effects Of Nicotine On Health



Nicotine is an active chemical substance up-to-date in tobacco that contributes for the negative reputation of tobacco. This chemical, when abused ( through smoking or chewing ) has harmful effects on the human body and it is also fix to be as addictive as illegal drugs. The below are few harmful and addictive effects of nicotine on humans, following followed by long and short - term effects.
Harmful effects:
Tobacco harms every organ of the body. It affects lungs, heart, kidneys, digestive system, liver, eyes and many other critical organs in the body. Further, people who smoke tobacco get their sense of smell and taste shaky.
Also ' passive smoking ' or ' secondhand smoking ' harms non - smokers. The tobacco smoke contains harmful chemicals. When inhaled by non - smokers in the smoker ' s proximity, it causes coughing, phlegm and decline in the functionality of the lungs. Studies show that it can originate heart diseases even among non - smokers who are subjected to secondhand smoking.
Addictive effects:
Nicotine is absorbed into the body when an individual smokes or chews tobacco. Nicotine causes elevation of humour. This is the principal reason for nicotine causing addiction. The nicotine absorbed by a smoker reaches the brain via blood. This leads to numerous chemical reactions in the brain and causes motor response of high. It lasts for short span. Once the nicotine level declines, there is no longer the high - consciousness. To have related sensation and, the smoker has to smoke further, for it causes addiction.
Short - term effects of tobacco:
In the short - term, nicotine is inaugurate to engender high blood pressure, besides throb proportion and cough. The abuse of nicotine also has immediate effects on verbal cavity which causes bad high spirits and staining of teeth. In severe cases, it may also lead to verbal cancer.
• Bad entity: Smoking tobacco or chewing tobacco causes severe bad impulse in the individual. Bad being is whereas the nicotine, concrete and other chemicals in tobacco get deposited in your spoken cavity. The chemicals in tobacco ever reduce the formation of saliva in your mouth, causing dry mouth, wherefore leading to the expansion of odor causing bacteria.
• Stained teeth: When you smoke or chew tobacco, the chemicals parallel flag, nicotine and others burn and recognize chemical reaction capable sticky substances. When you take the smoke in by inhaling, the sticky substances in the smoke get deposited on your teeth and therefore cause stains.
• Smoker ' s cough: Coughing is a demanding physiological mechanism in order to remove irritants from the body, especially from the respiratory tract. Smoking damages cilia, the jealous structure in the respiratory tract. When Cilia becomes defunct, harmful particles close dust, the chemicals from tobacco, etc. are deposited in the respiratory tract. Over a period of time, the body removes the accumulation of these foreign substances by coughing. Thus, the smoker suffers from weighty cough.
• Innumerable heart scale and blood pressure: Nicotine causes deeper heart proportion and blood pressure. This is thanks to nicotine reduces oxygen supply to the heart and wherefore makes it less functional. Further, it makes blood vessels humble whereas of the formation of blood clots. It inasmuch as, causes wider workload on the heart; ergo, there is major heart proportion. All these factors effect expanded blood pressure.
Long - term effects:
Long - term effects of nicotine teem with addiction, spare risk of heart diseases, and decline in insulin levels, cancer and premature aging. Long - term effects of nicotine are very harmful and may also lead to fatalities in many cases.
Addiction and dependence: As the effect of nicotine on the body is impermanent, to build up the motor response the smoker gets obsessed and dependent on the drug in the long - term. Further, the body develops indulgence to the chemical, and for needs also expense subsequently and wherefore perpetuates the intake causing addiction and confidence in the long - term.
Increased risk of heart diseases: There is major risk of heart diseases in the long - term proper to nicotine addiction. Nicotine causes narrowing down of the blood canals. It is seeing nicotine gets intimate to its receptor proteins in the blood vessel and stays there and ergo causes constriction of blood canals.
Also, in the long - term, nicotine damages the lining of blood vessels that leads to deposition of cholesterol in the blood vessels. This may in consummation lead to a heart encounter.
Inhibits the release of insulin: Nicotine leads to reduction in the liquid of insulin that is essential in excitement of carbohydrates in the body. Normally, when the glucose level rises owing to of food intake, insulin comes to the rescue by reducing the glucose levels. In smokers, this is not the case; insulin is released in less quantity. When glucose levels are being in higher levels than required in blood, it may produce harm to the heart and kidneys.
May lead to cancer: Nicotine as a causative substance of cancer is problematical. The other chemicals in tobacco identical tile containing cyanide, benzene, formaldehyde, etc. are vocal to create cancer. These chemicals are released in the body when flag enters whereas of smoking, over a long period.
Premature aging:
Smokers surveillance older than they actually are. This is due to of the effect of nicotine on the production and functioning of antioxidants in the body - tied for fighting free radicals in the body formed due to environmental pollution, stress, etc. Antioxidants make the skin and other soft tissues the eye fresh.
By all accounts, nicotine has destructive effects on every part of your body - be in the short or long - term. Therefrom, a lawful warning indeed to non - smokers is to never experiment with it!

Sunday, October 13, 2013

A Short Review On Lic Jeevan Saral

A Short Review On Lic Jeevan Saral




Many readers requested me for the review on LICs Jeevan Saral.
I check Lacework for the reserve on Jeevan Saral and live there are radically of lacework pages fireball to this policy.
So let me put only the significant aspect of this policy and my views on it.
Jeevan Saral is an Endowment plan with diversity. It comes with many good features uniform to No surrender charge, Partial downturn facility according to ULIP, premium selection by policy holder etc.
1 ) You select the premium.
Usually we first decides on the Sum assured and based on this we come to recognize snare premium amount but in Jeevan Saral you choose the premium first based on this maturity sum assured gets buckle down.
You can select magazine premium as low as Rs. 250.
2 ) High risk cover.
Normal endowment policy only pays Sum assured + ration, but here once you decide on top of the calendar premium an amount equal to 250 times comic book premium ( called as Death benefit S. A ) + premium paid ( excluding first year and rider premiums ) + loyalty addition is paid.
This makes continues increase in the risk cover as the term progresses.
For example: On Register premium of Rs. 250 / - Death benefit SA is 250 * 250 = 62, 500 + Total Premium paid as mentioned ultra + LA.
On maturity you will get Maturity Sum Assured + Loyalty Additions.
Loyalty addition will be published by LIC from 10th year onwards.
3 ) Flexible surrender terms
< style= " " > 80 % of the maturity S. A.
more than 4 but less than 5 years premiums paid: 90 % of maturity S. A.
5 year +: 100 % of maturity S. A.
Now this is the lay where agent misleads the clients.
Although 100 % MSA is payable after 5 years but actually you end up loosing your money if you withdraw money in the initial year. Here is the example.
Age: 35 years. Term: 25 years.
Premium: Rs. 4704 / - Per Annum.
YearTotal Premium paidMSALAProfit ( Loss )
523520186600 ( 4860 )
628224231800 ( 5044 )
942336378920 ( 4444 )
104704043360 1800014320
So at no point of time you get your money back if you surrender before 10th year ( or partially withdraw the money ).
LA figure is not guaranteed and it would be based on interest of LIC.
4 ) Incomplete Abatement.
This is one of the good parts of Jeevan Saral.
In the first year you can set a high annual premium and at the next advance you can reduce the premium by withdrawing a part of policy.
A lot of the policy can be surrendered and money can be admitted from LIC, if premiums, have been paid for a minimum of 3 years, affair to the alongside conditions:
The basic annual premium and all other benefits will be adamantine to the heel of partial relinquish.
Any no. of times, imperfect leave hanging is allowed.
There should be a gap of minimum of one year between two later limited surrenders.
Minimum annual premium that can be vacate at a time is Rs. 1, 200 / - p. a. and should be in multiples of Rs. 600 / - p. a. thereafter.
The reduced basic annual premium after surrender shouldnt be less than Rs. 3, 000 / - p. a. for age upto 49 years and Rs. 4, 800 / - p. a. for age 50 and extensive.
The situation benefit, term rider benefit and further premium payable will also be reduced proportionately.
For example: If youre current Annual premium is Rs. 12, 000 and you want to reduce it to Rs. 6000 by incomplete abatement after 8 years.
An amount equal to MSA for an annual premium of Rs. 6000 is paid to you.
In my view LIC Policy is good for those who want risk cover with low premium and laissez faire to reduce premium at the following stage. However on the return front policy doesnt looks good. LA is not guaranteed and it is paid only after 10th policy year. Early Surrender and incomplete downturn features are misleading.