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Education loan abroad – Indian Government banks, issues & solutions
While thinking of applying for an education loan abroad, public-sector banks are the first option that comes to mind. However, many still hesitate to approach them for loan purposes. People have a lot of misunderstandings about nationalized banks and their regulations regarding student loans. While many are worried about the longer processing time, others are concerned about the amount of paperwork demanded by these banks. But, did you know that this is not the case?
The main motive of this article is:
- To dismiss certain false claims made by certain private banks and NBFCs about the government banks' policies regarding education loan abroad.
- To suggest practical solutions for some commonly reported issues faced by a lot of loan applicants for education loan abroad.
This article is taken from the 8th episode of the web-series Loanfilx- Abroad education loans simplified. In case you are comfortable watching the episode, click on the video below. You can hear our experts at WeMakeScholars dismissing many myths surrounding government banks and their policies regarding education loan abroad.
The Story of WeMakeScholars
Before we start with the details, here is a small peek into the reason behind the founding of WeMakeScholars.
Every year, countless students who are in the final year of their studies, search for scholarships from international universities. WeMakeScholars is the brainchild of two such scholarship aspirants, Arjun and Damini, who also studied abroad on a full scholarship. During their journey, they had to search for scholarships on individual university websites, which was a tedious and time taking process. Out of the 300 scholarships they came across, Arjun and Damini found out that they were eligible for only about 40 of them. That was how they felt the need for a single online source that provides complete information about international scholarships to students.
In 2015, they co-founded a scholarship-finder website– WeMakeScholars that had information about several scholarships offered by institutions all over the world. These institutions included trusts, foundations, government bodies, universities, etc. Our founders were under the impression that for students, securing an education loan abroad was not a complicated process. Within a year of starting the scholarship-finder, they realized that many students who were unable to secure scholarships struggled to secure an education loan abroad from banks.
After a year of dealing with the issues faced by many aspirants, and closely monitoring the processes of various education loan abroad applications, our team realized two things;
- It is not easy for applicants to get their education loan sanctioned from nationalized banks on time.
- Applicants need appropriate guidance regarding the terms and conditions of nationalized banks for education loans
The sole purpose of this article is to provide practical solutions for certain common issues faced by loan applicants in every step of the loan process. The points being covered here will also help students clear a lot of doubts surrounding education loan policies of government banks.
Myth 1: Nationalized banks do not offer a 100% Loan for education loan abroad
Certain public-sector banks do provide 100% education loans. However, most of them offer a maximum of 90% of the total expenses as an education loan. Before we get into details, it is essential to get familiar with certain important terms related to education loan abroad.
Total Expenses: This term refers to the loan applicant's complete living expenses for the duration of the chosen course. These expenses may include the tuition fee, living expenses, health insurance, travel, educational aids like books, laptop, etc.
Loan margin: Nationalised banks mostly do not provide 100% coverage of an applicant's total expenses. The candidate may have to pay some portion of the loan amount. Loan margin may be roughly defined as the ratio of the amount contributed by individual applicants towards their total expenses to the amount contributed by the bank loan.
The maximum limit of loan margin varies from bank to bank. Generally, the maximum limit for the loan margin set by government banks is 90%. However, there are public banks who cover 100% of the total expenses.
For example, let's imagine that you got a 45 lacs loan sanctioned and you need the first disbursement of Rs. 10 lakhs. Then the bank will release a maximum of 9 lacs and tells the student to bring in the rest 1 lac from his/ her end, making it 10 lacs totally. So, the student margin has to be added on a pro-rata basis. Thus, the ratio of the amount provided by a government bank to the candidate's personal contribution becomes 90%:10%.
Sometimes, banks may reduce the loan margin further due to insufficient collateral pledged by the applicant. In such cases, the banks may reduce the loan margin to a lower figure like 60%. This means that the bank would provide for about 60% of the required disbursement amount and the applicant will have to pay the rest of the 40%. The loan margin is never constant. It differs on the basis of individual cases.
Certain NBFCs and private banks have been claiming to provide 100% loan. That might be true, but we advise you to not fall for such claims as they are made by private banks to attract candidates. They further add that all public banks don't give 100% loans, which is wrong info misguiding marketing gimmick. As these terms tend to confuse candidates and hence they may end up spending much more money than required by approaching NBFCs/private banks for their education loan needs.
Read more: Unsecured education loan from NBFCs upto 50 lacs- An overview
Myth 2: Government banks do not release living expenses
The Truth: Until a couple of years ago, it was true that nationalized banks would refuse to release living expenses. They would insist on transferring the loan amount directly only to the account of the respective university. This happened because banks were under the impression that loan applicants would opt for university-provided accommodation. Most banks were not aware that many students opt for cheaper private accommodation in order to save money. Although most nationalized banks have revised this policy even before WeMakeScholars collaborated with them, many bank branches are still not aware of this revision.
Myth 3: Nationalized banks demand proof before disbursing the loan amount
The Truth: This statement is often made by NBFCs to their loan applicants. Please note that this is false information. No government bank asks for any such proof. If your branch demands any such proof, please get in touch with us for clarification on this; or better yet, choose WeMakeScholars for education loan purposes.
Myth 4: What comes first? I-20 form or Loan sanction?
Often, students are confused about this policy during the education loan process. There have been many instances where banks have refused to sanction applicants' loans because they failed to submit the I-20 form from the intended university. In other words, until recently, nationalized banks were under the impression that an I-20 form (for US Aspirants) is mandatory from the university to sanction the loan amount.
The Truth: The truth is that before sanctioning the I-20 form, universities require proof of the candidate's financial status. However, banks also made it mandatory for a candidate to submit their I-20 form from the respective university before sanctioning loan.
- This became a catch-22 situation.
- In 2017, our team of experts at WeMakeScholars were successful in convincing our partner banks to issue loan sanction letters to the applicants without the I-20 form.
- As of today, all our partner banks issue sanction letters without the I-20 form. We have also convinced them to release loan letter even without the college I-20.
Read more: F1 Visa process and requirement: USA student visa
Myth 5: Banks do not release your loan amount before your visa approval
The Truth: Most loan applicants have a fear that banks may not release the loan amount before their visa is approved. Listed below are some of the most common requirements by the university or the embassy:
- Australia requires a 1-semester fee and 1-year living expenses to be paid before the visa.
- Germany requires money before a visa for a blocked account
- Canada requires money for GIC before visa.
But, on the other hand, the branch authorities refrain from releasing the funds before the visa. Since ages, they have been following to release the funds once the visa is approved for the candidate. But, as said above, these days, universities/ embassies have the requirement of fund release to get the visa approved. The major reason for this is that branch managers and authorities at local head offices are not the final decision makers. It is decided at the Head office of the banks, where students hardly have any contacts/ approach. Here, again, it is more beneficial to apply for loans via WeMakeScholars.
Our team acts as the bridge between applicants and bank branches. This accelerates the loan process.
In December 2017, our team brought up this issue with our partner banks and managed to clear the confusion regarding pre-visa loan disbursement. Now, pre-visa loan disbursement is no longer an issue for our candidates. Please feel free to reach out to our team for more information regarding the same.
Other issues
Apart from the major issues mentioned in this article, there are many other general issues faced by abroad education loan aspirants. For example;
Policy revisions made by University/Embassy: Embassies and universities keep revising their fee payment policies from time to time. And it is necessary for nationalized banks to keep up with the changing policies.
Policy revision made by the university
A few years ago, many universities in the US stated that they would accept fee payments only through Flywire, a third party software. Our banks were not aware of this development. As per their policy, fees are supposed to be directly transferred only to the university's account. Due to the rise in the number of applicants facing this problem, our team approached our partner banks and they released a circular containing the updated information in 2016.
Any problem faced by our candidate during the loan procedure is not taken lightly by our team. If you are facing any similar issue, please feel free to contact our financial officers for further assistance.
Also, we recommend that instead of facing a problem after approaching a nationalized bank, you apply for your desired education loan through our financial officers. We promise to make the process a good experience for you.
It was essential for us to write an article that solely focused on dismissing certain myths related to government banks. The major reasons for writing this article are as follows:
- In many cases, most of the private banks and lenders have misguided students by saying that nationalized banks like SBI, Canara Bank, etc do not inform their applicants correctly about education loan abroad. We are not against private banks. However, many private banks and NBFCs have been trying to lure candidates by spreading false information about nationalized banks. Our team believes that applicants must be well informed about the terms and conditions of education loans.
- Another reason for our decision to write this article was to inform our readers about why we take our students seriously. Since WeMakeScholars is an initiative funded by the Government of India, our team insists on solving many complicated terms and conditions laid out by government banks. Convincing the banks to revise their policies in order to suit the loan applicants' needs is not an easy process. However, our main aim is to make the loan sanctioning an effortless process for those applying for an education loan via us.
Why approach WeMakeScholars for education loan abroad?
Terms like 'Loan Margin', 'Insufficient collateral', etc. mostly scare and confuse the applicants, especially when they don't have somebody to guide them. This is when WeMakeScholars comes into the picture. Below highlighted are a few reasons why approaching WeMakeScholars is recommended.
- Our financial officers explain basic concepts of education loans in an easy, understandable language to our candidates. They also provide useful tips to applicants on how to get higher loan margins from banks by smart calculation of numbers.
- We share a closer association with nationalized banks, and we have also contributed to their policy-making decisions. This doesn't mean that we are not close to private lenders/ NBFCs. We work pretty closely with them too. Especially with their head offices rather than local offices and hence we can negotiate better for your education loan terms and conditions.
- So far, we have been successful in changing the banks' mindset regarding many terms and conditions of abroad education loans.
- Being an initiative supported under the Digital India initiative, we accept applicants from all over India. Hence we offer our assistance without charging anything.
In conclusion, we would like to say that nationalized banks are the most reliable when it comes to securing an education loan abroad. With changing times, the banks have also changed their policies and now, obtaining an education loan abroad is no more a difficult process, as far as you apply via WeMakeScholars.
Don't forget to check out our web-series, Loanflix on YouTube. It is the most comprehensive web-series explaining every detail of a study abroad education loan. It's an initiative started to spread awareness and educate the abroad education loan aspirants and their guardians.
If you have any other questions regarding education loan abroad or any other loan-related topic, please request a callback from WeMakeScholars support team for clarifications. We are very active online and would love to answer your comments. So, feel free to leave your comments at the end of this article or on our YouTube page.
Note: WeMakeScholars is an organization funded and supported by the Government of India that focuses on International Education finance. We are associated with 10+ public/Pvt banks/ NBFCs in India and help you get the best abroad education loan matching your profile. As this initiative is under the Digital India campaign, it is free of cost. The organization has vast experience dealing with students going to various abroad education destinations like the US, Canada, UK, Australia, Germany, Sweden, Italy, China, France among others.


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Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at (501) 354-3672 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.
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The Weed Eater FB25 25cc 2 Stroke Gas Powered 170 MPH Blower is perfect for hard surface applications such as driveways, sidewalks and patios. With a reliable 25cc 2-cycle engine and variable speed throttle, it generates air speed up to 170 mph and air volume up to 290 cfm. At 8.1 lbs, the FB25 is a very light weight blower and also features a reduced vibration handle. 2 year limited warranty. No assembly is required with this gas leaf blower. Simply take it out of the box and slide on one piece and fill it with fuel and get started.
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Whatever you need, Jesus knows where you can get it, and whom you can get it from. Jesus can position you at the right place at the right time!
When Peter wanted to pay the temple tax, Jesus told him to get it from the first fish that he would catch in the sea (see Matt. 17:26–27). Then, when Jesus needed a donkey to ride into Jerusalem, He told two of His disciples which village to get it from (see Matt. 21:1–3). When Jesus needed a place to eat the Passover with His disciples, He gave two of His disciples specific instructions on who to meet and follow, and what to say to the master of the house, who had already furnished and prepared a large upper room (see Mark 14:13–15)!
My friend, isn't it wonderful to know that Jesus knows what you need and has already gone ahead into your future and made provision for your good success? As you put your trust and rest in His heart of love, His peace will lead you to do the right thing at the right time, at the right place!


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Of late, we have been seeing an increasing number of celebrities rubbing shoulders with the world's billionaires.
Added to that exclusive list is American singer Nicky Minaj, who recently met Angola richest woman, Isabel Dos Santos. The excited rapper posted the photo on her Instagram page saying,
Oh no big deal…she's just the 8th richest woman in the world. (At least that's what I was told by someone b4 we took this photo) Lol. Yikes!!!!! GIRL POWER!!!!! This motivates me soooooooooo much!!!! S/O to any woman on a paper chase. Get your own!!!! Success is yours for the taking!!!!! #Angola thank u to the women who brought me out here as well. ??
Nicky Minaj was in Angola to headlined a Christmas festival in the capital of Luanda on Saturday.


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Job Description
Sitec has a requirement for a Risk Manager for our client based in Fareham, Hampshire. This is a contract role for an initial 3 months but with potential to be extended.
The max rate of pay is up to £450-£480/day LTD Company rate, dependant on experience.
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* Direct report in to the Head of Programme Management and develop and maintain detailed risk, issues and benefit plans to multiple projects
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This vacancy is being advertised by Sitec.


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Published on
How to pass a coding interview as an automation developer
Oct 17 2016
T.J. Maher has been a software tester for twenty years, but only recently became an automation developer. March 2015 he went from one job executing other people's automated testplans to writing his own.
When he found himself needing to start job searching over a year later due to a switch in management, he found major changes to the interview process. This presentation describes T.J. Maher's job hunt, those changes, and how he managed to find a new position ... Not just as an automation developer, but as a Software Engineer in Test.


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~ Out of Stock ~Regular price $21.00 Save Liquid error (product-template line 120): -Infinity%
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'Heart' author Sandeep Jauhar answers your questions
Clip: 01/29/2019 | 6m 50s Video has closed captioning.
Sandeep Jauhar, author of our January pick for the NewsHour-New York Times book club, Now Read This, joins Jeffrey Brown to answer reader questions on "Heart." Plus, Jeff announces the February book selection.
Aired: 01/29/19
The full episode is no longer available for online streaming. Why?
Please continue to enjoy extra(s) from this episode.
Problems Playing Video? | Closed Captioning


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Visit website, give some feedback
Looking to get some general impressions on readability and any suggestions you might have on my website. If you can just visit and give me a sentence or two (or more if you like) feedback with general impressions I can pay 5 simbi. This is a mental health/counselor site that specializes in anxiety and PTSD. The website is http://thecounselingpalette.com


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With Apple Watch availability, functionality, and style options all poised to explode at the same time, there's a good chance that Apple's new wearable will soon experience a dramatic uptick in sales. And with the busy holiday shopping season fast approaching, the timing couldn't be better. But before we get into that, a quick rundown of Apple Watch sales is in order. So first off, a basic question: Is the Apple Watch thus far a rousing success or an embarrassing flop that will inevitably be brought up in the same breath as the iPod Hi-Fi? Depending on who you ask, you're bound to get a smattering of different answers, in large part because Apple hasn't yet disclosed specific sales figures for the device. DON'T MISS:
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text: Avocet 0 Posted August 2, 2019 · MakerBot ABS on UM3 Long time Makerbot 2X user will be recieving my UM3 next Tuesday. Totally psyched! I have quite a bit of Makerbot ABS that I'd like to use in the UM3. Is this possible? Can anyone tell me what might be involved? Is it as simple as getting it onto a compatible spool and manually selecting the material? Are the filament diameters agreeable? Thanks! Share this post Link to post Share on other sites


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.the munay ki dvd is copyright free, here are some links for the dvd the someone has posted on youtube (in english with netherlands subtitles).
.this dvd is great for an introduction to this process for those new to it, as part of the instruction process when sharing how to gift these rites, and for remembering this rites after learning them…
part One – introduction.
part Two: Munay Ki – Rites.
part 3.
part 4.
part 5. bands of power
part 6. incl daykeepers rites
Part 7.
Links to Videos of specific rites :
Healers Rites.


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Happy April Fool's Day!
Here at the Waukegan Library, we believe in the power of a good sense of humor! In the spirit of April Fool's Day, here are some of our favorite laugh-out-loud reads. Click on the cover or the title to place a hold in the catalog.
Adulting: How to Become a Grown-up in 468 Easy(ish) Steps by Kelly Williams Brown
Do your meals mostly consist of ramen noodles and frozen pizza? Are you at a complete loss about the best way to clean your bathtub? Are you utterly perplexed by things like savings accounts and retirement funds? Thankfully, Kelly Williams Brown has figured out the answers to these important questions of adulthood, and has given us simple, straightforward answers about how to get our act together and behave like a functioning human being. Practical AND funny!
Weird Things Customers Say in Bookstores by Jen Campbell
The title says it all, really. If you've ever worked customer service before, you'll commiserate with the people who have to answer questions like "Is it okay for my children to climb on the bookshelves?" or "Excuse me – is this book edible?"
Stiff: The Curious Lives of Human Cadavers by Mary Roach
Mary Roach turned scientific writing into a hilarious art form with this book, which researches what happens to our bodies after we die. Whether she's tramping around the Body Farm in Tennessee, where scientists study the effects of decomposition on human remains, or watching engineers test the safety features of cars using cadavers instead of crash test dummies, you'll be fascinated and slightly repulsed at the lengths she'll go to to find her answers.
Most of you are probably familiar with the basic story here: Astronaut Mark Watney is stranded on Mars for the foreseeable future unless he and NASA can craft a plan to bring him back to Earth. It's a top-notch survival/science fiction thriller, but it's also hysterically funny. Mark Watney has an impeccably dry, sarcastic sense of humor and by the time you finish the book, you'll have to resist the urge to run around and smack everyone you know upside the head until they read it.
John Dies at the End by David Wong
Take one part H.P. Lovecraft-style horror, one part ridiculous Internet humor, and mix it together with a hefty serving of blood and guts to get this unclassifiable horror novel that somehow manages to be hilarious and terrifying at the same time. David Wong is also the senior editor of Cracked.com, one of the most popular and off-color comedy websites on the Internet.
Want more?
Dad is Fat by Jim Gaffigan
A Walk in the Woods by Bill Bryson
The Eyre Affair by Jasper Fforde
Don't forget to check out our Goodreads shelf or our Pinterest board for more bookish humor and humorous books. Or stop by the Reference Desk to see our display of hilarious covers and pun-worthy titles! We'll have it up through the month of April.


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Mind Brain and the Supernatural
This book is a bold attempt to resolve the problem of MIND-BODY redefined here as The MIND-BRAIN problem on one hand, and its relationship with the supernatural on the other using an holistic approach.It links the brain with all the observed higher mental functions like creativity,the subconscious mental process,Extra sensory perceptions,sleep and dreams and others.If you have ever tried to answer the question ,Is the mind the same as the brain Does the brain posses higher dimensional perception popularly regarded as Extra Sensory perception or psi phenomena What is the link between premonition creative insights and other higher mental functions And several other questions. Most importantly it links the scientific findings on brain function with the phenomena of extrasensory perceptions and showing conclusively that the faculty for such perception is universal ,tries to answer why those abilities are not experienced by all and bringing God into the picture as the ultimate source.
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(New Britain, CT– May 24, 2019) – The New Britain Bees (12-13) defeated the High Point Rockers (17-10) 5-4 at New Britain Stadium on Friday evening in the opener of a three-game Memorial Day Weekend series in the Nutmeg State and the first ever matchup in franchise history between the two ballclubs in the Hardware City. The Bees have now won three consecutive games and five of their last six overall.
New Britain starting pitcher Anthony Marzi tallied a no-decision despite his second quality start of the campaign, allowing three runs on six hits (one home run) in six innings pitched, walking one while striking out nine (a single-game season-high) and hitting a batter. High Point starting pitcher Joe Van Meter also did not factor in the game's final outcome, surrendering two runs on two hits in three innings of work while walking two and striking out one but had to leave the game in the bottom half of the fourth inning after just two batters faced in the frame due to injury. Jim Fuller shut the door in the ninth for his first save of the season.
High Point jumped out in front 2-0 just four batters in versus Marzi when Stephen Cardullo launched a two-run home run to left centerfield. The visitors made it 3-0 in their favor in the second by way of a run-scoring single off the bat of Giovanny Alfonzo. New Britain cut the deficit to 3-2 in the home half of the fourth thanks to a run-scoring base knock from Jared James that enabled Alejandro De Aza to cross the plate and a hit by pitch to Logan Moore with the bases loaded that scored Jason Rogers. The Bees got even in the fifth by way of a two-out, opposite field base knock to right from Jonathan Galvez that plated De Aza after he doubled with one man down. With the Rockers ahead 4-3 in the bottom of the eighth, New Britain scored twice off losing pitcher Brian Clark (1-1) to give the game its final score of 5-4 by way of an RBI single from Deibinson Romero and a pair of High Point errors. The rest was left up to the bullpen, as the trio of Michael Johnson, winning pitcher Brandon Fry (1-0), and Fuller allowed just an unearned run in three innings of relief. De Aza (team-high 13 game hitting streak), Rogers, and Romero led the way offensively with a pair of hits each. Photo provided courtesy of Joe Doll.
The Bees continue their series with the High Point Rockers at New Britain Stadium on Saturday, May 25th. First pitch is scheduled for 6:35 P.M. It will be Breast Cancer Awareness Night, presented by Starling Physicians. Come show your support for all who are affected by breast cancer. The first 500 fans will also receive a bag of chocolate baseballs, courtesy of Thompson Chocolate. It is also another Coors Light Saturday Night, as all Coors Light drafts will be just FIVE DOLLARS at all concession stands. CLICK HERE for tickets.
About the New Britain Bees
The New Britain Bees are members of the Atlantic League of Professional Baseball and play their home games at New Britain Stadium. For information on ticket packages, group outings and sponsorships call 860-826-BEES (2337) or visit NBBees.com.
About the Atlantic League of Professional Baseball (ALPB)
With eight teams in the Mid-Atlantic and Texas, the ALPB is a leader in baseball innovation and a player gateway to Major League Baseball. Through its exclusive partnership with MLB, the Atlantic League tests Major League Baseball rules and equipment initiatives. The Atlantic League has sent over 900 players to MLB organizations while drawing more than 40 million fans to its affordable, family-friendly ballparks throughout its 22-year history. For more information, please visit www.AtlanticLeague.com.


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Spookyville promises fun fall festivities!
WEST PALM BEACH, Fla. — Halloween is just around the corner and that means Spookyville is, too. The event, ideal for children 10 and younger, is presented as an old-fashioned option for families to enjoy a safe and fun place to celebrate the fall season and Halloween.
Held this year over two weekends and on Halloween day — Oct. 19-21, Oct. 26-28 and Oct. 31 — Spookyville will take place in Yesteryear Village at the South Florida Fairgrounds, 9067 Southern Blvd., West Palm Beach. Hours on Fridays and Halloween day are from 5-8 p.m. and Saturdays and Sundays from 11 a.m.-6 p.m.
"Spookyville throws you back to the traditional days of family Halloweens," said Lorie Stinson, the fair's exhibits and special events manager. "You can count on Spookyville being a secure and family-friendly environment."
A petting zoo has been added this year along with new rides, which will include a barrel train that will go on a new route through a tunnel. Tying into the upcoming fair's 2019 superhero theme, every child will receive a superhero cape (while supplies last).
As always, the event's activities will include trick-or-treating, bounce houses, old-fashioned games, arts and crafts, a spooky house, food and drinks and vendors. Costume contests will be held on both Sundays starting at 1 p.m. Prizes will be awarded.
The cost is $10 per person, which includes rides and games, and kids 2 and younger are free. Tickets may be purchased online at www.southfloridafair.com or at the gate. Parking also is free.
Backpacks, food, glass containers and alcohol are prohibited.
Spookyville is sponsored by Florida Dairy Farmers, Lion Country Safari, Skate Zone, My Gym Wellington and our year round partners, Palm Beach Post, Coca Cola and Kubota.


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Part of the Leeward Collection, The Bonham is crafted from our moisture wicking, four way stretch performance fabric. This means you get all the comfort of your favorite gym clothes with the crisp look of a traditional dress shirt. This black blue multicheck dress shirt features a spread collar for a modern look perfect for business casual affairs. And as with every Mizzen+Main shirt, the Bonham has four way stretch, machine washable and never requires ironing.
- A traditional woven soft fabric that offers a crisp look
- Performance properties: four-way stretch, moisture-wicking, machine washable, wrinkle resistant
- Modern spread collar with our staple blue stitched button hole
- Back darts to achieve a trimmer fit
- Fabric contents: Polyester 85%, Spandex 15%


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Kochi, India 8 Dec 2016: Yoga reduces blood pressure in patients with prehypertension, according to a study presented at the 68th Annual Conference of the Cardiological Society of India (CSI).
The congress is being held in Kochi, India, from 8 to 11 December. Experts from the European Society of Cardiology (ESC) will present a special programme.1
"Patients with prehypertension (slightly elevated blood pressure) are likely to develop hypertension (high blood pressure) unless they improve their lifestyle," said lead author Dr Ashutosh Angrish, a cardiologist at Sir Gangaram Hospital in Delhi, India. "Both prehypertension and high blood pressure increase the risk of heart attack, stroke and heart failure."
Hypertension is defined as a systolic blood pressure (BP) ≥140 mmHg and/or diastolic BP ≥90 mmHg, while prehypertension is a systolic BP 120–139 mmHg or a diastolic BP 80–89 mmHg.
This study investigated the impact of hatha yoga on blood pressure in 60 patients with prehypertension who were otherwise healthy. The details of yoga practice have been published previously.2 Briefly, patients were randomised to two groups of 30 each to assess the effect of three months of yoga plus conventional lifestyle changes versus conventional lifestyle changes alone (control group) on 24 hour ambulatory blood pressure.
Yoga included stretching exercises (asanas), breath control (pranayam) and meditation. It was taught by a yoga instructor for one month and then patients subsequently followed it at home. Yoga practice was for one hour every day. Conventional lifestyle changes consisted of moderate aerobic exercise, diet, and smoking cessation.
The average age of participants was 56 years in the yoga group and 52 years in the control group. In the yoga group there were 16 women and 14 men, while in the control group there were 17 women and 13 men. The 24 hour mean BP at baseline was 130/80 mmHg in the yoga group and 127/80 mmHg in the control group.
The investigators found that in the yoga group, both 24 hour diastolic BP and night diastolic BP significantly decreased by approximately 4.5 mmHg and 24 hour mean arterial pressure significantly decreased by around 4.9 mmHg.3 The control group did not show any significant change in blood pressure.
Dr Angrish said: "Although the reduction in blood pressure was modest, it could be clinically very meaningful because even a 2 mmHg decrease in diastolic BP has the potential to decrease the risk of coronary heart disease by 6% and the risk of stroke and transient ischaemic attack by 15%."4
Regarding the way yoga may reduce blood pressure, Dr Angrish said: "The exact mechanism is not clear from our study but it has been postulated that yoga may decrease the sympathetic drive, reset the baroreceptors and cause neurohumoral effects. The findings suggest that a combination of all three components of yoga (asanas, pranayam and meditation) is helpful but our study is unable to pinpoint their individual contribution."
He concluded: "Our research suggests that patients with prehypertension should be advised to practice hatha yoga (a combination of asanas, pranayam and meditation) for one hour daily. It may prevent the development of hypertension and in addition give a sense of well-being."
Dr Shirish Hiremath, CSI President Elect and Chairman of the CSI 2016 Scientific Committee, said: "Yoga is a part of traditional Indian culture, and has shown clear benefit in cases of prehypertension. Easy to practice and can be adapted by masses and is also very economical, yoga can go a long way in improving the overall health of the country, as hypertension is affecting a large number of young Indians. Yoga can turn out to be just the correct answer for people at risk."
Professor Roberto Ferrari, a Past President of the ESC and course director of the ESC programme in India, said: "Cardiovascular disease can be prevented by adopting a healthy lifestyle and controlling blood pressure and cholesterol. Exercise, including yoga, a good quality diet, and not smoking are all steps in the right direction."
ESC Press OfficeTel: +33 (0) 4 89 87 24 83Email: email@example.com
Notes to editor
1Sessions with ESC faculty will be held on 9 and 10 December
2Manchanda SC, Narang R, Reddy KS, Sachdeva U, Prabhakaran D, Dharmanand S, Rajani M, Bijlani R. Retardation of coronary atherosclerosis with yoga lifestyle intervention. J Assoc Physicians India. 2000 Jul; 48(7):687– 694.
3Blood pressure changes in the yoga group:
4Cook NR, Cohen J, Hebert PR, Taylor JO, Hennekens CH. Implications of Small Reductions in Diastolic Blood Pressure for Primary Prevention. Arch Intern Med. 1995 Apr; 155(7):701–709.
About the European Society of Cardiology
The European Society of Cardiology brings together health care professionals from more than 120 countries, working to advance cardiovascular medicine and help people lead longer, healthier lives.
About the Cardiological Society of India
The Cardiological Society of India (CSI) was founded in 1948. It is an affiliated member of the European Society of Cardiology.
Our mission: To reduce the burden of cardiovascular disease.
Contact us
© 2020 European Society of Cardiology. All rights reserved.


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The Marriott in Jaipur opened in the year 2011, it was the 14th Marriott Hotel in India of the 5 star luxury hotel chain Marriott International.
The Marriott at Jaipur is built near the Jaipur international airport. Being in Pink City, Marriott takes care of the traditional legacy of Rajasthan with its world class hospitality alongside providing its guests with all modern amenities.


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BALTIMORE — A 37-year-old Baltimore man accused of threatening to kill a Lancaster County woman and a police officer on FaceTime in December 2018 was taken into custody Tuesday night in Baltimore, according to police.
Damon D. Daniel was captured by members of the Maryland Fugitive Task Force and the Maryland State Police Tactical Team, police say. He is being held in Maryland on outstanding felony assault charges, and will eventually be extradited to Pennsylvania to answer three counts of terroristic threats in connection to the Lancaster County incident, according to police.
The incident in Lancaster County occurred on Dec. 16, 2018, in Quarryville. Police were dispatched to the first block of North Lime Street for the report of threatening behavior.
The victim told police Daniel used the FaceTime iPhone app to threaten her. While she was speaking to police, Daniel allegedly called the woman again, threatening her within earshot of police. When the victim handed her phone to the police officer, Daniel allegedly threatened not only to kill the victim, but to kill the officer as well.
Daniel was believed to be in his Baltimore home at the time he made the threats, police say. While the responding officer was at the Quarryville Police Station writing up charges of terroristic threats against Daniel, police say, the victim called again and told police Daniel had called her back, claiming he was in Quarryville. The victim said she feared for her safety, police say.
Officers responded to the victim's home. While they were there, Daniel allegedly called the victim again on FaceTime and threatened to kill the victim and the two officers who had now responded in the case. The responding officer called State Police for backup, as well as officers from West Lampeter Township and Strasburg Borough police to help search the area. While the search was ongoing, Daniel allegedly claimed to be in the area and said he saw police arriving.
Police say they were unable to locate Daniel, who allegedly fled back to Maryland.
From that point on, the Pennsylvania State Police involved their Fugitive Task Force in an attempt to locate and arrest Daniel. The State Police Fugitive Task Force in turn obtained the assistance of the Maryland State Police's and the U.S. Marshall's Fugitive Task Force Units.


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Hollywood director Rob Reiner declared that President Donald Trump has created the "most corrupt presidency in American history" during an appearance on MSNBC's AM Joy in June.
Reiner is part of the Liberal movement that believes President Trump colluded with Russia even though Robert Mueller is unable to find any proof. They hate Trump because Hillary Clinton did not win, and based on that alone, they are are calling for Trump to be impeached.
"Your new film Shock and Awe is specifically about the press and run up to the Iraq War. I remember there was a lot of talk about George W. Bush styling himself a king and whether or not the press was tough enough on the Bush administration in the lead up and asked enough questions, was skeptical enough," host Joy Reid noted. "Having made this film and really sat and thought through these issues of the way that the press is relating to somebody who styles himself perhaps an autocrat, have we learned anything?"
"I don't know," Reiner answered. "It wasn't that the press wasn't tough enough in the run up to the war, they were nonexistent."
"The press owes it to the American public to try to get to the truth," he continued. "It was difficult then, it is even more difficult now, when you have the President of the United States saying that the press is the enemy of the people and calling it fake news."
"And for the first time in American history we have essentially state-run media backing up the president, Fox and Sinclair and Alex Jones and all these crazy ideas, Reiner continued. "I mean, our democracy is hanging in the balance. 241 years of self-rule is hanging in the balance."
Reiner emphasized the importance of the 2018 primaries saying it "really is" the most important election ever. If he really cared about the election he would stop ranting about impeachment and help the Democrats come up with a message that benefits the middle class.
"If we don't have a Democratic Congress that can at least start the hearings to shine some light on what's going going on…this is the most corrupt presidency in American history," Reiner concluded. "I don't care Teapot Dome and Watergate and Iran-contra, these are child's play compared to selling our country out to a foreign enemy power, it doesn't get any worse than that."
"It is pretty frightening," Reid concluded.
The reason that Rob Reiner and the Hollywood elite are fighting so hard to have President Trump impeached is because they are angry that Hillary Clinton lost the election. They can't accept that millions of Americans voted for Donald Trump so they are clinging to the fake news rhetoric that Russia helped him win.
It will be interesting to see Reiner's response when Robert Mueller announces that he could not find any collusion between Russia and the Trump campaign.


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Valuable data on the amount and types of waste generated by householders in EMRC member Council areas are now available following a waste audit carried out in preparation for the introduction of FOGO (Food Organics Garden Organics) in Perth's Eastern region.
From green shoots to healthy roots - a Midvale couples' dream of healthier soils for all has grown into a thriving business.
2019 Belmont & WA Small Business Award winners Brad and Sue Day say their growing string of prestigious business awards is down to their constant focus on customer service and quick responses to changing needs.
Join the EMRC's Waste Educators for a FREE tour of the Red Hill Waste Management Facility - Departing from Belmont.
Register now on https://www.eventbrite.com.au/o/emrc-waste-education-15530649837
Earth Carers is a dynamic three-week course for residents of Perth's Eastern Region, which teaches practical ways to live with less waste
The EMRC Autumn Festival program is seeking local community events held within the Cities of Bayswater and Belmont and the Town of Bassendean.
The Perth's Autumn Festival is a collection of community events held across the region from 1 March to 30 May. Cultural, environmental and recreational events occurring in the region between 1 March and 31 May 2018 are sought for the program each year.
The EMRC is the recipient of the Heart Foundation's National Innovation category for the Swan River Ramble project and received a Highly Commended acknowledgment in the State Heart Foundation Local Government Awards for the combined Swan River Ramble and #ride2market initiatives.


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How to throw together a quick appetizer for last minute guests Continue reading
Category Archives: Snacks
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Cuban Skewers
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Matzah Crack
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Snickity Snack: Old Bay Peanuts
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Pimento Cheese Stuffed Peppers with Bacon
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Carbon Capture, Utilization, and Storage: An Update
- Authors
- Franklin M. Orr Jr. (Stanford University)
- https://doi.org/10.2118/194190-PA
- Document ID
- Publisher
- Society of Petroleum Engineers
- Source
- SPE Journal
- Volume
- 23
- Issue
- 06
- Publication Date
- December 2018
- Document Type
- Journal Paper
- Pages
- 2,444 - 2,455
- Language
- English
- Copyright
- 2018.Society of Petroleum Engineers
- Disciplines
- Keywords
- storage, utilization, carbon capture
- Downloads
- 12 in the last 30 days
- 609 since 2007
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Recent progress in carbon capture, utilization, and storage (CCUS) is reviewed. Considerable research effort has gone into carbon dioxide (CO2) capture, with many promising separation processes in various stages of development, but only a few have been tested at commercial scale, and considerable additional development will be required to determine competitiveness of new technologies. Processes for direct capture of CO2 from the air are also under development and are starting to be tested at pilot scale. Transportation of CO2 to storage sites by pipeline is well-established, though substantially more pipeline capacity will be required if CCUS is to be undertaken at a large scale. Considerable experience has now been built up in enhanced-oil-recovery (EOR) operations, which have been under way since the 1970s. Storage in deep saline aquifers has also been achieved at scale. Recent large-scale projects that capture and store CO2 are described, as are current and potential future markets for CO2. Potential effects of changes in the US tax code Section 45Q on those markets are summarized. Future deployment of CCUS will depend more on cost reductions for CO2 separations, development of new markets for CO2, and the complexities of project finance than on technical issues associated with storage of CO2 in the subsurface.
|File Size
|Number of Pages
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JK Front Big Brake Slotted Rotor - Driver (4303412) | TeraFlex
TeraFlex manufactures heavy duty Jeep Wrangler suspension, axles, armor and shocks. TeraFlex was started in 1996 to meet the needs of a growing Jeep market. Located in Salt Lake City, Utah, Teraflex is in the heart of the off-road Jeep community.
47 E White Pl Unit A South Salt Lake City, Utah 84115 United States 801-214-8112 email@example.com
© 2020 JENSEN BROS. Off-Road |


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Snowstorm A Factor in Dozens of Accidents
NEW YORK – A massive snowstorm crushed the east coast with a coat of snow last weekend. It caused dozens of accidents resulting in several injuries and nearly 40 deaths.
Many areas across the coast, including New York City, imposed travel bans as crews began removing up to 3 feet of snow. Despite the warnings and travel bans, some drivers took a huge risk by taking their cars and trucks onto the roadways – and some of these cars made the weekend very dangerous.
A New York car accident attorney at Cellino & Barnes says the sudden winter weather played a major role in many accidents but most of them could have been prevented.
"Many people suffer heart attacks while shoveling snow and there's a higher risk of carbon monoxide poisoning when there's a snowstorm like this in New York," car accident attorney Ross Cellino said. "Unfortunately, there were many car crashes too – and these accidents could've been preventing by staying home."
In Washington, an 82-year-old man went into cardiac arrest and died while shoveling snow in front of his home.
In Kentuhttps://www.fox5dc.com/news/local-news/82-year-old-man-dies-while-shoveling-snow-in-dccky, police said a car crashed into a salt truck, killing one driver and injuring several others.
In Pennsylvania, a pregnant teenager was shoveling snow when she suffered from 'several heart defects.' A family member told NBC Philadelphia, "I told her it probably wasn't a good idea for her to be outside shoveling."
On Long Island, a 66-year-old man was standing in front of his home when a private snow plow struck him. According to PIX11, he was rushed to North Shore Syosset Hospital where he was pronounced dead.
In New York City, at least three more people died while shoveling snow, according to the New York Police Department.
Several others were found in their vehicles and treated for carbon monoxide poisoning; their tailpipes were found to be clogged with snow and ice.
"Everyone has somewhere to be but it's not worth your health or the safety of others," Cellino said. "Whenever there's snow, it's important to be prepared and to do everything safely and cautiously."
When the travel ban was lifted in the city, the problems continued. Monday morning's commute had cars moving along highways at speeds in the single digits and some streets were still packed with snow.
New York car accident attorneys say the slippery roads created dangerous conditions but in most cases, drivers have a responsibility to adjust to these conditions. If you've been injured by a negligent driver, a car crash attorney at Cellino & Barnes can provide a detailed case evaluation for free. Contact Us now to speak directly with a personal injury lawyer.


text: Andrew Reid 9,468 Posted January 4, 2015 Before the GH4, NX1, A7S and Shogun can you remember what we did for 4K on $1500-$2000 interchangeable lens cameras? No neither can I! 2014 has been a great year with some great technology.My top 51. The new for 2014 £5000 priced used 1D C! (It's a completely different prospect to what it was at £12,000)2. A7S & Shogun (£3500)3. GH4 (£1299)4. NX1 (£1299)5. Nikon D750 (£1799)Read the full article 1 Ivar Kristjan Ivarsson reacted to this Quote Share this post Link to post Share on other sites


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We have lots of cats that enter the house, if you have a cat allergy this is not the place for you.
RIDERS OR "HANDYMAN / WOMAN" for general land works, decorating and gardening.
I am ENGLISH lady in Vire Normandie, France and need help keeping horses fit for competition, also the ex jumping horses need riding to prevent weight gain. So if you are a rider we are interested in you, and can offer a long term stay if required. A responsible , caring, efficient, SELF MOTIVATED horse-person, who is able to follow and learn instructions, is vital for things to continue. I'm am sometimes now in a wheelchair so things have got tough. I teach basic dressage, and advanced jumping and natural handling skills.
I really care for people. In return I offer a fantastic opportunity for the right person to take their riding to a new level in a beautiful part of France. We live in a beautiful house nestled in a stunning valley not far from Vire, with all amenities.
You will be treated as a member of the family and English is spoken at home.
If you like good French baguettes, cheeses and basic home cooking we can accommodate. Vegetarians (please respect the fact that it's our choice to eat meat). If you would like to cook we can supply you with the fresh ingredients. (Veggies I will not fund your expensive seeds ect).
We prefer longer stay people, but will welcome short stayers.
Looking forward to meeting equestrians from around the world!
NO heavy smokers or drinkers, we have strict rules on smoking . NO DRUGS. A video of your riding and a reference may be asked for, for our own planning.
IF YOU SAY YOU ARE COMING THEN COME. I have a disability, at the moment I am really poorly thus we need to know I have cover for the horses. If you change your dates or don't turn up, you leave us vulnerable and it's not fair when we have put off other more willing people, when you haven't tipped up. Negative feedback will be left in these circumstances.
If you are a VERY experienced equestrian then there is a small remuneration as supervision and coaching will not take up so much of my time.
General Maintenance
Cooking / shopping
Help in the house
Animal care
Language practice
Help with Computers / internet
Well located for visiting war memorials and the beaches. Train station nearby.
Attending French showjumping and carriage driving shows.
General horse care, and plenty of riding, natural handling taught. Mucking out and paddock clearing. Land maintenance. Helping us generally. There are just 3 stables to muck out and collecting the droppings from the turned out jumping horses only, We harrow the other fields. Other tasks may also be required around the farm and house.
If I do these tasks it takes me 1 hour.
English: Fluent
French: Fluent
German: Beginner
Spanish: Beginner
Accommodation in the house or hopefully a newly converted studio.
We are just 8 minutes from the centre of Vire.
Many forest and beach walks. A great place to explore war memorabilia.
Plenty of local things to see and many International showjumping events to go and visit in the region.
Internet access
Limited internet access
We have pets
We are smokers
Can host families
Maximum 4-5 hours a day, 5 days a wdata


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We require a Night Shift Clean Up Crew to work at a local meat processing plant on the out skirts of Invercargill. If you don't like blood this won't be for you. Limited transport is available for those in absolute need.
The work involves scrubbing stainless steel tables and benches, walls, machinery and conveyor systems, hot and cold hosing and foaming down of processing machines, walls and floors in the various work areas. Full training will be given. Limited transport is available for those in absolute need.
If this interests you contact AWF Invercargill office on 032140388 (Monday - Friday 8-5pm) or email your CV to email@example.com or better still pop on into the office at 65 Deveron Street, Invercargill.
See you soon!!


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Voter Interest | Roy Fletcher, Political Consultant
11/06/2018 | 44m 34s
Political Consultant Roy Fletcher addressed the Press Club. Fletcher, who has done work for four former Louisiana governors and the late presidential candidate John McCain, assessed the significance of votes in the state and across the nation on the eve of the Nov. 6 midterm election. He discussed the current state of voters and their interests, along with the possible Democratic takeover of the
Aired: 11/06/18
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