What Does The Amortization Table In An EMI Calculator Mean?

The amortization table is a schedule of the repayments that you will make over the course of time. This is a detailed understanding of the EMIs, the principal amount repayment and the interest amount repayments for your loan. Let’s understand this concept in thorough detail.

What is an Amortization table?

This is a tabular view of your EMIs over the course of the home loan tenure. In simple terms, every EMI is divided into two parts – the principal and the interest amount. So, you can see how much of each month’s EMI is used for the principal as well as the interest amount. While calculating the monthly home loan EMIs, you can find the amortization table displayed in certain EMI calculators.

What is the main use of the Amortization table?

All housing loan EMI calculators in India do not host this table; although, the advanced ones do. The main use of this table is for the home loan calculations so that you understand the division of the principal amount and the interest amount over time. Most banks and housing finance companies create the repayment schedule that show the repayment of the principal amount over the course of time, while repaying small portions of the interest. Then, you will complete the term by repaying the interest, while paying the pending portion of the principal amount.

You can foresee how you will repay the loan on a month-to-month basis, which is a very useful insight into your financial life. It is, actually, more important as these amounts vary over time.

What are the other advantages of the table?

Since these amounts are also part of your tax rebate, you can use these numbers to calculate the tax benefit you can enjoy annually. Though you will need to consult a tax consultant, the tax rebate applicable on the principal amount and the interest is different. This table will be pretty useful, for sure.

The truth is; this table represents the standard repayment option. If you do not find it comfortable, there are several choices available today. So, take a look at your typical monthly expenses and pending savings over the years to find the most suitable repayment option. Though these details are not shown in the table, you can use a home loan calculator to identify any potential changes that you need to make.

So, use all these features of the perfect home loan EMI calculator and explore them to their fullest value before availing a housing loan.

Joint Pains In Children

A Pediatric Rheumatologist is a specialist who deals with children suffering from arthritis and other connective tissue diseases. Most of these diseases are autoimmune in origin, a condition where our immune system attacks our tissues!

Parents of young children often worry about joint and limb pains in their children and are not sure, whether medical attention is needed. Some of these children may have arthritis and such parents must seek an opinion from a Pediatric Rheumatologist.

Here are some common questions asked to a Pediatric Rheumatologist:

Do we have to take our child for some tests when they complain of joint & leg pain?
Do we need to get an X-ray done to identify the problem?
My child finds it difficult to walk around and his gait seems different. What should I do?
Does my child have arthritis?
When should I be worried about my child’s joint pain problems as a parent?
This article would attempt to address these questions. This will minimize unwarranted anxiety in parents to some extent, and also guide parents as to when should they seek early and effective consultation with the Pediatrician/Rheumatologist for the Best Joint Pain Treatment For Kids In Bangalore.

Growing Pains

During the evening hours, when children are back from school, they frequently complain of limb pains. Throughout the day, they are otherwise active. These children often become cranky during the sleeping hours and continue to shift their legs restlessly. When their legs are massaged, they feel comforted. When they wake up in the morning, they do not have any complaints. No swelling is seen in any of the joints. These signs point to what we refer to as “growing pains.”

These are pains noted in growing children, as the name suggests. They are a part and parcel of the normal development of many kids. Some of these children may have a Vitamin D deficiency which a pediatrician can easily treat. When kids mature into their teens, these pains subside. For these children, any blood test or x-ray is not necessary.

Arthritis

It is important to know when it is urgent to obtain advice about joint pain. If a child has the following joint pain issues, they must be treated as “warning signs” and urgent consultation and proper assessment are required.

Joint swelling: If the child reports of pain and there is joint swelling/ warmth across the joints.
Morning stiffness: It is difficult for a child to move in the early morning hours when he/she wakes up with joint pains or limps while walking, but gets better as the day passes.
Fever with joint pain: Fever and joint pain may be caused by a viral infection (dengue/chikungunya). However, it may sometime be due to a sinister underlying disease (blood cancer).
Joint pain with skin rashes: These needs urgent evaluation. This may be due to a simple viral fever or occasionally due to an underlying disease affecting blood vessels (called ‘vasculitis’ in medical terms).
Loss of weight or poor appetite.
Children can also develop rheumatoid arthritis (inflammatory arthritis) in the same way as adults, which may cause permanent joint damage. We call it “Juvenile Arthritis” in children. These kids complain of joint pain and often have one or more joints that swell. Pain and stiffness in the morning hours are worse. They develop deformities if not treated in time. It is important to note that parents frequently seek an orthopedic opinion on such issues, though there is no orthopedic problem. These children must be properly assessed by Paediatricians and Paediatric Rheumatologists. Further, they should get blood tests and need long term medical attention.

Few health tips to keep your child’s joints and muscles strong:

Vitamins and minerals rich food: Diet must include fresh fruits and vegetables. For those who consume a non-vegetarian diet, fish liver oil is a good source of vitamins required for bone health. Let your child consume them daily.
Drink plenty of water: It is good to have 1-2 litres of water every day, it helps avoid muscle aches. Further, this helps in proper digestion and limits constipation; thus water is crucial for a healthy living.
30 min walk/ jog daily for a minimum of 5 days/week.
Developing healthy habits in the daily routines from childhood will help keep your child fit for years.

Get in touch with Aster CMI Bangalore to seek medical help from the Best Pediatric Immunologist and Rheumatologist in Bangalore.

Tips to Improve Your Child’s Health

Many children these days suffer from obesity and diabetes and other such diseases because of the busy lifestyles that families lead. Parents are busy working, children are busy studying, and because of these busy lifestyles, people have gotten used to things that are making both them and their children sick.

What can we do to improve our children’s health?

First of all, we should remember that these practices shouldn’t be followed just by children, but by adults as well, because children follow by example. If parents live a healthy lifestyle, then so will the children. Many children’s doctors in Mt Gravatt and other areas of the country recommend that parents join their children in healthy daily activities.

Eat healthily – Include more fruits and vegetables into food as these are rich in immune-boosting nutrients which help the immune system to effectively fight diseases. Eating more vegetables and fruits can also prevent diseases such as cancer and heart problems.
Exercise – Exercise is needed by children as well, and they constantly need to keep moving around to stay healthy. Family exercises such as biking, hiking, or jogging can be a lot of fun as well as good for everyone’s health.
Sleep – Children need between 10 and 16 hours of sleep per day, depending on their age.
Limiting device and sedentary screen time – less than 1 hour per day for the 2-5s and less than 2 hours per day for the 5 -17-year-olds.
Avoid second-hand smoke – Second-hand smoke causes many respiratory diseases in children. Protect them from second-hand smoke as much as possible.
Clean teeth – Children have beautiful smiles, and you can keep that smile looking great with good oral health. Children should brush their teeth for two minutes, twice a day to maintain good oral health and to reduce cavities and infections.
Clean hands – Hand hygiene is very important to stop the spread of diseases. Teach children how to clean their hands properly, especially after being out in public areas.
Express their feelings – Children’s mental health is very important as well. They should be able to express their feelings, whatever those may be, freely, in order to reduce the stress they may be feeling within them.
There are many clinics that provide services in child health in Mt Gravatt and other areas, where you can get more information on good health habits for children.