This is from Dr. B M Hegde.
 
Wonder how much is widespread and how much are merely a few black sheep.
 
How Indian Doctors Loot Patients.
 
 
Most of these observations are either completely or partially true. Corruption has many names, and one of civil society isn't innocent either. Professionals and businessmen of various sorts indulge in unscrupulous practices. I recently had a chat with some doctors, surgeons and owners of nursing homes about the tricks of their trade. Here is what they said
 
1)      40-60% kickbacks for lab tests. When a doctor (whether family doctor / general physician, consultant or surgeon) prescribes tests - pathology, radiology, X-rays, MRIs etc. - the laboratory conducting those tests gives commissions. In South and Central Mumbai -- 40%. In the suburbs north of Bandra -- a whopping 60 per cent! He probably earns a lot more in this way than
the consulting fees that you pay.

2)      30-40% for referring to consultants, specialists & surgeons. When your friendly GP refers you to a specialist or surgeon, he gets 30-40%.

3)      30-40% of total hospital charges. If the GP or consultant recommends hospitalization, he will receive kickback from the private nursing home as a percentage of all charges including ICU, bed, nursing care, surgery.

4)      Sink tests. Some tests prescribed by doctors are not needed. They are there to inflate bills and commissions. The pathology lab understands what is unnecessary. These are called "sink tests"; blood, urine, stool samples collected will be thrown.

5)      Admitting the patient to "keep him under observation". People go to cardiologists feeling unwell and anxious. Most of them aren't really having a heart attack, and cardiologists and family doctors are well aware of this. They admit such safe patients, put them on a saline drip with mild sedation, and send them home after 3-4 days after charging them a fat amount for ICU, bed charges, visiting doctors fees.

6)      ICU minus intensive care. Nursing homes all over the suburbs are run by doctor couples or as one-man-shows. In such places, nurses and ward boys are 10th class drop-outs in ill-fitting uniforms and bare feet. These "nurses" sit at the reception counter, give injections and saline drips, perform ECGs, apply dressings and change bandages, and assist in the operation theatre. At night, they even sit outside the Intensive Care Units; there is no resident doctor. In case of a crisis, the doctor -- who usually lives in the same building -- will turn up after 20 minutes, after this nurse calls him. Such ICUs admit safe patients to fill up beds. Genuine patients who require emergency care are sent elsewhere to hospitals having a Resident Medical Officer (RMO) round-the-clock.

7)      Unnecessary caesarean surgeries and hysterectomies. Many surgical procedures are done to keep the cash register ringing. Caesarean deliveries and hysterectomy (removal of uterus) are high on the list. While the woman with labour -pains is screaming and panicking, the obstetrician who gently suggests that caesarean is best seems like an angel sent by God! Menopausal women experience bodily changes that make them nervous and gullible. They can be frightened by words like " and "fibroids" that are in almost every normal woman's radiology reports. When a gynaecologist gently suggests womb removal "as a precaution", most women and their husbands agree without a second's
thought.

8)      Cosmetic surgery advertized through newspapers. Liposuction and plastic surgery are not minor procedures. Some are life-threateningly major. But advertisements make them appear as easy as facials and waxing. The Indian medical council
has strict rules against such misrepresentation. But nobody is interested in taking action.

9)       Indirect kickbacks from doctors to prestigious hospitals. To be on the panel of a prestigious hospital, there is give-and-take involved. The hospital expects the doctor to refer many patients for hospital admission. If he fails to send a certain number of patients, he is quietly dumped. And so he likes to admit patients even when there is no need.

10)  "Emergency surgery" on dead body. If a surgeon hurriedly wheels your patient from the Intensive Care Unit to the operation theatre, refuses to let you go inside and see him, and wants your signature on the consent form for "an emergency
operation to save his life", it is likely that your patient is already dead. The "emergency operation" is for inflating the bill; if you agree for it, the surgeon will come out 15 minutes later and report that your patient died on the operation table. And then, when you take  delivery of the dead body, you will pay OT charges, anaesthesiologist's charges, blah-blah-

Doctors are humans too. You can't trust them blindly. Please understand the difference.

Young surgeons and old ones. The young ones who are setting up nursing home etc. have heavy loans to settle. To pay back the loan, they have to perform as many operations as possible. Also, to build a reputation, they have to perform a large number of operations and develop their skills. So, at first, every case seems fit for cutting. But with age, experience and prosperity, many surgeons lose their taste for cutting, and stop recommending operations.

Physicians and surgeons. To a man with a hammer, every problem looks like a nail. Surgeons like to solve medical problems by cutting, just as physicians first seek solutions with drugs. So, if you take your medical problem to a surgeon first, the chances are that you will unnecessarily end up on the operation table. Instead, please go to an ordinary GP first
                                   

Prof. B. M. Hegde,
MD, FRCP, FRCPE, FRCPG, FRCPI, FACC, FAMS.
Padma Bhushan Awardee 2010.
Editor-in-Chief, The Journal of the Science of Healing Outcomes,
Chairman, State Health Society's Expert Committee, Govt. of Bihar, Patna.
Former Prof. Cardiology, The Middlesex Hospital Medical School, University of London,
Affiliate Prof. of Human Health, Northern Colorado University,
Retd. Vice Chancellor, Manipal University,
"Manjunath"
Pais Hills, Bejai.
MANGALORE-575004. India.
Tel: +91 824 245 0450.
web site: www.bmhegde.com

Dr.ASHOK PAGRUT
BA, MB,
D.Ortho.BOM, M.S.Ortho.BOM..

ORTHOPAEDIC AND HAND SURGEON

DR.PAGRUT ORTHOPAEDIC HOSPITAL
Sahdev,Vishal Nagar
MiTh Chouki,Marve Road.
MALAD--W.
MUMBAI. 400 064
Tel: 2882 7447, 9769880428.
Mobile : 98200 39586
Residence:  28824225,
                28443426.

India may well be the world's fastest growing "free market"economy, but it is no competition to its neighbours when it comes to the social wellbeing of her people.

A comparison with the neighbouring nations shows that besides Pakistan, all others like Bangladesh, Nepal, Sri Lanka and China are far better off in terms of various social welfare indicators.

Even as India's positive growth story makes headlines, it is the second worst performing country in South Asia when it comes to female literacy.

At 74 per cent, India is ranked just above Pakistan where 61 per cent of the women are educated. Even Bangladesh fares better.

And it gets worse.

Among South Asian countries India is probably the worst place to be born in, as the chances of survival till the age of five are much weaker than the chances in Nepal, Bangladesh, Sri Lanka and China. Yet again, we are better off than Pakistan, albeit slightly.

The revelation is not too surprising when 28 per cent of children in India are born underweight as against three per cent in China, 17 per cent in Sri Lanka, 21 per cent in Nepal and 22 per cent in Bangladesh.

This embarrassing performance has come to the fore with the release of a UNICEF report in the Capital on Wednesday.

The study highlights the state of poor children growing up in cities. Statistics on child survival, development and protection paint a very sorry state of India in comparison to its neighbours as well.

Not everyone in India, however, is unfamiliar with this scenario.

The Human Development Report 2011 released by the Institute of Applied Manpower Research (IAMR) (an autonomous body under the Planning Commission) last year had made some shocking revelations on the levels of food insecurity, malnutrition and the dismal health infrastructure of the country.

In January, the Prime Minister called malnourishment among children a "national shame"while releasing a report on hunger and malnutrition.

"It's a shame that in some states of our country the levels of hunger and malnutrition are worse than some sub- Saharan countries. A lot needs to done in terms of social welfare of our children and women,"Shantha Sinha, head of the National Commission for protection of Child Rights, who was present at the launch of the report said.

URBAN POOR NEGLECTED

SHOWING how the cities in India have failed to nurture its poor children, the UNICEF report shatters the common perception that the urban poor are better off than their counterparts in rural areas.

Infant mortality rate for the underprivileged in cities (55 deaths for every 1,000 live births) is not too different from the scenario in rural India (62 deaths for every 1,000 live births).

Anaemia is almost equally prevalent in urban (71 per cent) and rural (72 per cent) children.

But the most embarrassing statistic is on the underweight children in urban areas. Forty seven per cent of urban poor children are born underweight as against 46 per cent in rural India. "Our report shows that growing up poor in a city is much tougher than it is in a village,"K. D. Maiti, planning monitoring and evaluation specialist with Unicef, India said.

Top 10 Most Famous Mafias In The World

 

Heres the list of most famous mafia in the world. Mafia is a group that has many members and involved in any cases. the activities of mafia is to make any money, one of the activities as extortion. Some of the activities is by threatening when they are doing the extortion. Lets see of the famous mafia below.

10. Jamaican-Yardies, England

Jamaican-English Yardies are citizens of Jamaica who immigrated to the United Kingdom in the 1950s. They are involved in violence group and was known as Yardies. They make organized crime such as drug trafficking and weapons.

Jamaica Yardies

9. Albanian mafia

Albanian mafia consists of a large number of criminal organizations based in Albania. They are active in the United States and European countries. It is told that the Albanian mafia spread to the international level in the 1980s. The crime is organized in Albania they started from the 15th century. In the United States and the United Kingdom, they runs a business of prostitution and drug trafficking and was known always use violence to achieve its objectives.

Albanian Mafia

8. Serbian Mafia

operates in more ten countries including Germany, the United States, England, France etc. They are involved in various activities such as drug trafficking, smuggling, contract killings, gambling and theft genes. They have three major groups called Vozdovac, Surcin and Zemun that control small groups. Right now, there are about 30-40 groups that exist in Serbia.

Serbian Mafia

7. Israel Mafia

Israel Mafia worked in many countries in the activities of drug trafficking and prostitution. Russian-Israel have been entering the U.S political system, so that Americans have always failed to make significant progress to stop them.

Israeli Mafia

6. Mexico Mafia

Mexico mafia is a prison group which is very strong in the united states, it is formed in the late 1950s to protect prisoners against other inmates and the officers. This group was also involved in extortion and drug trafficking, and approximately has 30,000 members throughout the united states. They forced the other groups and dealers to pay taxes and who refuse protection to be killed.

Mexico Mafia

5. Yakuza, Japan

Yakuza-Japanese is a native of organized crime groups who use threats and blackmail to get their way. The origins are found in the 17th century. Some of members have full body tattoos. This mafia has 110 000 active members who come from 2500 families. They are often involved in pornography, prostitution and illegal immigration.

Yakuza Japan

4.Triads, China

Chinese Triad criminal organization consists of many based in Mainland China, Malaysia, Hong Kong, Taiwan, Singapore etc. They are also very active in New York, Los Angeles, Seattle, Vancouver and San Francisco. They organized crime involving theft, contract killings, drug trafficking, extortion, hijacking, etc. First it is formed in the 18th. Triad has 50,000 to more than 30,000 members, they are also involved in counterfeit Chinese currency.

Triads China

3. Drug Cartel, Colombia

Colombian Drug Cartel was formed especially to control the drug trade. They operate in many countries, has a lot of organizations associated with political, military and legal aspects of the cartel. The important of Cartel is from the Columbia Cartel Cali, Medellin Cartel, and the Valle del Norte cartel. At one point in this cartels threatened by the extradition treaty between the U.S. and Columbia. The nobles went into hiding and ordered its members to kill his supporters. They have also been involved in many kidnappings and terrorism.

Colombia Mafia

2. Sicilian  America Cosa Nostr

Sicilian and American Cosa Nostra is a new relative group. It is Formed in the second half of the nineteenth century in Italy. Although they are starting young mafia have an uncanny ability to plan for a felony, they usually get involved in drugs and arms trade issues, one of the members of Mafia must undergo initiation rites in which he first had to kill to prove his ability.

Sicilian and America Mafia

1.Russian Mafia

Russian Mafia come from the Soviet Union and now have influence around the world. It Have between 100,000 to 500,000 members. They are involved in organized crime in countries such as Israel, Hungary, Spain, Canada, UK, USA, Russia etc. They also immigrated to Israel, America and Germany using the German Jewish identity. Their activities around the world of drugs and trafficking of firearms, bombings, smuggling, pornography, internet fraud, etc. One of their rules is never cooperate with the government, if one of them sing when caught would be killed.

Russian Mafia

Mafia makes money by participating in virtually any activity that is illegal. Do you ever been seen the mafia? Or Do you interested to be one of members of those  famous mafia above?

 

 

Within each of us is a desire to be our own boss. We've all had our "million dollar" idea or one too many horrible bosses that make us want to start our own company. Yet the truth is simple: Owning your own business takes hard work, determination, sacrifice, and a very clear understanding of not just your business, but also your personality. Here are a few points to consider when deciding to become an entrepreneur:

1. Don't quit your day job...yet. Whether you're currently a student, working part-time, or gainfully employed, the next great idea usually doesn't need 40 or more hours per week to get off the ground. Create a strict schedule for how much time you really need. You may not make any money for a while, so keep whatever job is currently paying you. And don't ask your spouse or significant other to quit their job (like I did), or you could end up living in your parents' mobile home (like we did).

2. Estimate your annual revenue, and then divide it half. Some businesses never get off the ground, while others grow at such an amazing pace that annual estimates become obsolete immediately. However, you must be realistic about the time it will take for your efforts to really kick in. Calculate how much you think you can make, then divide it in half and plan your expenses around that number instead.

3. Make "free" your favorite word. New businesses must keep expenses as low as possible, and it doesn't get any lower than free. Brainstorm creative ways to grow and operate your business at little to no cost. Trade services with other businesses in any industry; for example, if you know graphic design but don't have a clue about databases, consider swapping your design skills in order to have your database set up. Before spending money on marketing, take advantage of free methods--like, for instance, Craigslist--to spread the word about your new business.

[See 5 Free Tools Every Entrepreneur Should Know About.]

4. Know your business well, but know yourself better. You and your business will be practically one entity for a while, so realize your morals and values when making decisions and building relationships. Don't bash competitors or make business deals that you don't feel right about. Be the boss that others would desire to have. You must know who you are and how you'll react to challenges and situations; stick with your core values and ensure your business is in line with them as well. Most importantly, make sure you love what you're doing, since you'll probably be working twice as hard for half as much money in the beginning.

5. Take a break, take a walk, and take a shower. Entrepreneurship is exciting, but don't let it consume you. To keep moving in the right direction with fresh ideas, you need to take breaks often. It may be as easy as taking a walk or perhaps you might even take a shower. Sometimes you can think better when not thinking about business. Make time for breaks away from your new project so that you can come back with a fresh perspective.

If you're finally ready to start your own business, then create a schedule, reduce your expectations, find things for free, and figure out who you really are--then, go take a shower.

Steven Staley is the owner and founder of SoCo Sports, a sport and social club located in Sarasota, Fla. He is also the creator, founder, and owner of Playbook Community, a free mobile application that connects athletes and sports organizers across the globe. Steven is also a member of The Young Entrepreneur Council (YEC), an invite-only nonprofit organization comprised of the country's most promising young entrepreneurs. The YEC promotes entrepreneurship as a solution to youth unemployment and underemployment and provides its members with access to tools, mentorship, and resources that support each stage of a business's development and growth.

First, understand that you no longer want to be just a millionaire. You want to become a multimillionaire.

While you may think a million dollars will give you financial security, it will not. Given the volatility in economies, governments and financial markets around the world, it's no longer safe to assume a million dollars will provide you and your family with true security. In fact, a Fidelity Investments' study of millionaires last year found that 42 percent of them don't feel wealthy and they would need $7.5 million of investable assets to start feeling rich.

This isn't a how-to on the accumulation of wealth from a lifetime of saving and pinching pennies. This is about generating multimillion-dollar wealth and enjoying it during the creation process. To get started, consider these seven secrets of multimillionaires.

No. 1: Decide to Be a Multimillionaire -- You first have to decide you want to be a self-made millionaire. I went from nothing—no money, just ideas and a lot of hard work—to create a net worth that probably cannot be destroyed in my lifetime. The first step was making a decision and setting a target. Every day for years, I wrote down this statement: "I am worth over $100,000,000!"

Related: Seven Rules for Coping with Sales Rejection

No. 2: Get Rid of Poverty Thinking - There's no shortage of money on planet Earth, only a shortage of people who think correctly about it. To become a millionaire from scratch, you must end the poverty thinking. I know because I had to. I was raised by a single mother who did everything possible to put three boys through school and make ends meets. Many of the lessons she taught me encouraged a sense of scarcity and fear: "Eat all your food; there are people starving," "Don't waste anything," "Money doesn't grow on trees." Real wealth and abundance aren't created from such thinking. 

No. 3: Treat it Like a Duty - Self-made multimillionaires are motivated not just by money, but by a need for the marketplace to validate their contributions. While I have always wanted wealth, I was driven more by my need to contribute consistent with my potential. Multimillionaires don't lower their targets when things get tough. Rather, they raise expectations for themselves because they see the difference they can make with their families, company, community and charities. 

Related Video: Grant Cardone on Closing the Sale

No. 4: Surround Yourself with Multimillionaires - I have been studying wealthy people since I was 10 years old. I read their stories and see what they went through. These are my mentors and teachers who inspire me. You can't learn how to make money from someone who doesn't have much. Who says, "Money won't make you happy"? People without money. Who says, "All rich people are greedy"? People who aren't rich. Wealthy people don't talk like that. You need to know what people are doing to create wealth and follow their example: What do they read? How do they invest? What drives them? How do they stay motivated and excited? 

No. 5: Work Like a Millionaire - Rich people treat time differently. They buy it, while poor people sell it. The wealthy know time is more valuable than money itself, so they hire people for things they're not good at or aren't a productive use of their time, such as household chores. But don't kid yourself that those who hit it big don't work hard. Financially successful people are consumed by their hunt for success and work to the point that they feel they are winning and not just working. 

Related: How to Conquer Your Sales Fears

No. 6: Shift Focus from Spending to Investing - The rich don't spend money; they invest. They know the U.S. tax laws favor investing over spending. You buy a house and can't write it off. The rich, in contrast, buy an apartment building that produces cash flow, appreciates and offers write-offs year after year. You buy cars for comfort and style. The rich buy cars for their company that are deductible because they are used to produce revenue.

No. 7: Create Multiple Flows of Income - The really rich never depend on one flow of income but instead create a number of revenue streams. My first business had been generating a seven-figure income for years when I started investing cash in multifamily real estate. Once my real estate and my consulting business were churning, I went into a third business developing software to help retailers improve the customer experience.
Lastly, you may be surprised to learn that wealthy people wish you were wealthy, too. It's a mystery to them why others don't get rich. They know they aren't special and that wealth is available to anyone who wants to focus and persist. Rich people want others to be rich for two reasons: first, so you can buy their products and services, and second, because they want to hang out with other rich people. Get rich -- it's American.