BANGLADESH MEDICAL ASSOCIATION OF NORTH AMERICA,CALIFORNIA CHAPTER. NEWSLETTER SPRING/SUMMER 2019

BANGLADESH
MEDICAL ASSOCIATION
OF
NORTH AMERICA, CALIFORNIA CHAPTER.
NEWSLETTER SPRING/SUMMER 2019

 

MISSION & VISION 2019 – OUR CHAPTER PRESIDENT, DR. RUBINA NAJEEB

Dear BMANA-CA Members,
Thank you all for being a part of this vital force named BMANA-CA. All the great work we
did the past year was only possible due to your active participation and we will continue
to forge a path where this Chapter will be a force to reckon with.
I wanted to take this opportunity to update you all on our ​Mission & Vision for 2019​ and it
will culminate with our convention 2020 at which point our respected Dr. Anisul Aslam
will take over and we will all be there to support him.
So here are some highlights of our vision for this year.
1. I had proposed, during the Business Meeting of BMANA Central Convention 2018, that
we should have a ‘BMANA Presidents Partnership Forum’ so we can exchange ideas and
engage in meaningful ways, giving us an opportunity to strengthen and enhance our
common Mission and Vision. Some of the proposals included: creating a National Health
Day for all Chapters; having yearly winter Global Health Summits either in Bangladesh or
internationally; providing telemedicine to our doctors in Bangladesh; having a core
group of physicians for humanitarian services; starting research projects in Bangladesh
with the help of our Ph.D. doctors… and so on.
Some of the responses from that communication:
“​ We really appreciate your thoughtfulness and pragmatic approach. You have my full
support. I request our EC to act on it quickly.”
“Thanks a lot for your great proposal, I am in complete agreement with it!! I hope BMANA
leadership will consider it seriously and take necessary steps!!”
and so on…….
I will pursue it with the new Central Executive Committee.
2. Our National Convention took place in Detroit Michigan, the weekend of July 4th and
many of our members joined in. I will be updating you on the details of the Convention
soon. Our members participated in Family Night, CME lectures, and the Young Physicians
forum.
3. We are arranging a day’s trip to Mexico to help the poor and needy with medical
assistance. We are arranging one trip on August 3rd, 2019 and our older teenage children

can also accompany us to help take down vital signs and other ancillary work. Dr. Nasima
Begum connected us to a group of physicians who go to Mexico every 1st of the month.
We have already partnered with BUFLA for Community Outreach Programs and will be
joining BAALA ( Bangladesh American Association, Los Angeles) on July 28th in Los
Angeles and Long Beach Kite Festival arranged by Bangladeshis on August 24th in Long
Beach, CA where the Mayor of Long Beach will also be present.
4. Some of our Doctors will be starting telemedicine conferences starting July 2019 to
educate doctors and nurses of Bangladesh. Currently Dr. Syeda Kabir and Dr. Rubina
Najeeb are participating.
5. BMANACA has partnered with our Central Young Physician Secretary Dr. Yusuful
Mamoon, who is currently the Scientific Secretary, provides lectures on research 101 to
young physicians from Bangladesh who are either here or in Bangladesh. Dr. Salma Khan
had already given a video conference talk and we had 2 meetings with Dr. Mamoon and
our researchers Dr. Roksana Karim, Dr. Suhaila Khan, Dr. ​Aliya​ Asghar, and Dr. Talat
Islam. Dr. Suhaila Khan conducted a Lecture on June 30th, 2019. Our CA Chapter’s Young
physician Dr. Nahim MIzan will be supporting the Youth Mentorship Program.
6. We are also preparing for our trip to Bangladesh in December to visit the Rohingya
camps. We are also considering seminars in Medical Colleges when we visit Bangladesh.
7. Our Annual Convention next year will be held in Northern California.
8. We are also contemplating reviewing our BMANACA Bylaws to see if we need to make
any amendments.
I am so appreciative of our Scientific Secretaries, Dr. Arshia D. Islam and Dr. Madhury
Khan who have been hard at work preparing the next Newsletter.
My ardent request to all of you to please pay your ​Annual Dues for 2018 and 2019. It is
only ​$75 per year, ​which is a nominal amount when considering all we are doing for this
great Chapter.
Please click on the link below

BECOME A MEMBER

Fill in the information requested. Scroll down to
2. Please Pay for Membership
Click on the Annual General Membership $75 and make your payment.
It just takes 3 steps. Please take a moment to make your payments so we can continue to
represent you with excellence.
I am also requesting all of you to please connect with me and my Executive Committee
for any ideas and collaboration, to better the cause of BMANACA.
Thank you
Sincerely
Rubina Najeeb M.D.
President BMANA-CA

 

SCIENTIFIC ARTICLES
We are pleased to showcase the following scientific articles written by American Physicians of
Bangladeshi origin. Congratulations to our Spring/Summer 2019 Newsletter contributors, Dr
Aliya Ashgar, Dr. Suhaila Khan and Dr Talat Islam, on their impressive achievements.

1.​ ​Contemporary Clinical Trials Communications 

Research site mentoring: A novel approach to improving study recruitment
Marcus R. Johnsona,∗, Tawni Kenworthy-Heinigeb, Danielle J. Beckc,
Aliya Ashgar, Emily B. Broussarde, Karen Bratcherf, Lynn M. Tommessillig, Margaret
Antonellig, Beata M. Planetag
PMID: 2969624

Aliya Ashgar, MPH, CCRC
VA CSP NODES Program Manager,
Tibor Rubin VA Medical Center ( VA Long Beach, CA)

ABSTRACT
Background/Aims: The VA Cooperative Studies Program’s (CSP) Network of Dedicated
Enrollment Sites (NODES) is a consortium of nine VA medical centers (VAMCs) with
teams (nodes) dedicated to enhancing performance, compliance, and management of
CSP multi-site clinical trials. The West Haven CSP Coordinating Center (WH- CSPCC),
study coordinating center for CSP #577, Colonoscopy Versus Fecal Immunochemical
Test (FIT) in Reducing Mortality from Colorectal Cancer (CONFIRM) trial, and NODES
piloted a “site mentoring” (hub-and-spoke) model. In this model, a node site would work
one-on-one with a low enrolling CONFIRM site to identify and overcome barriers to
recruitment. The aim was to determine the impact of a research site mentoring model on
study recruitment and examine site-level characteristics that facilitate or impede it.
Results: Sites in the mentorship pilot had an average improvement of 5 ± 4 participants
randomized per month (min −2.6; max 11.6; SD 4.3). Four of ten sites (40%)
demonstrated continuous improvement in the average number of randomized

participants per month after the pilot intervention and at three-month follow-up (post-
intervention), as compared to the five-month period preceding the intervention. An
additional two sites (20%) demonstrated improvement in the average number of
randomized participants per month after the pilot intervention and sustained that level of
improvement at three-month follow-up (post-intervention). Additionally, six of ten sites
(60%) demonstrated an increased number of participants screened for eligibility
immediately following the intervention and at three-month follow-up (post-intervention).
Only one site showed a decreased monthly average of randomized participants shortly
after the intervention and through the three-month follow-up period. Conclusions: The
site mentoring model was successful in improving recruitment at low enrolling CONFIRM
sites. An additional feasibility assessment is needed to determine if this mentoring model
will be effective with other CSP trials.

2.​ ​Diabetes in Bangladeshi Americans

Suhaila Khan, MD, MPH, PhD
Project Director
Alameda County Office of Dental Health

Full chapter available in:
Khan S, Shah N, Parikh N, Iyer, D, and Palaniappan L. Chapter 7: Type 2 Diabetes Mellitus in
South Asian Americans. M. J. Perera, E. C. Chang (eds.). ​Biopsychosocial Approaches to
Understanding Health in South Asian Americans, Cross-Cultural Research in Health, Illness and
Well-Being. Springer International Publishing, 2018:121-147.
https://www.springer.com/us/book/9783319911182

ABSTRACT:
               Asian Americans, especially South Asian Americans have very high rates of
pre-diabetes and Type 2 Diabetes Mellitus; yet they have lower levels of body weight compared
to many other populations in the United States. Bangladeshi Americans are part of the larger
Asian American and South Asian American diaspora and as such they most likely also have
similarly high rates of pre-diabetes and type 2 diabetes. However, direct evidence on
Bangladeshi Americans are scarce. Overweight and obesity are at the root of many serious
health problems such as type 2 diabetes, coronary heart diseases, high blood pressure, stroke,
some types of cancer, osteoarthritis, sleep apnea, infertility, etc. Early detection, treatment, and
self-management reduce the risk of developing complications, improve quality of life and health outcomes.

However, there are many barriers that prevent patients and providers from
preventing and appropriately treating Type 2 diabetes in South Asian Americans like
Bangladeshi Americans. Having a high percentage of foreign-born immigrants, lack of health
insurance, and lack of access to culturally and linguistically appropriate resources and care, and
lack of race/ethnic-specific cut points for obesity perpetuate this health disparity. Systemic and
policy changes are necessary to raise awareness, address quality of care and access to
service, and prevent future cases of diabetes in South Asian Americans including Bangladeshi
Americans.

3. ​Parental Stress Increases the Detrimental Effect of Traffic Exposure on Children’s Lung Function

Khandaker Talat Islam, M.D., PhD.
Assistant Professor of Research Preventive Medicine.
Division of Environmental Health
Keck School of Medicine
University of Southern California (U.S.C.)

Talat Islam1, Robert Urman1, W. James Gauderman1, Joel Milam1, Fred Lurmann2, Ketan
Shankardass3, Ed Avol1, Frank Gilliland1, and Rob McConnell1
1Department of Preventive Medicine, Keck School of Medicine, Los Angeles, California;
2Sonoma Technology Inc, Petaluma, California; and 3Dalla Lana School of Public Health,
The University of Toronto, Toronto, Ontario, Canada
ABSTRACT:
Rationale: Emerging evidence indicates that psychosocial stress enhances the effect of traffic
exposure on the development of asthma.
Objectives: We hypothesized that psychosocial stress would also modify the effect of traffic
exposure on lung function deficits. Methods: We studied 1,399 participants in the Southern
California Children’s Health Study undergoing lung function testing (mean age, 11.2 yr). We
used hierarchical mixed models to assess the joint effect of traffic-related air pollution and stress
on lung function. Measurements and Main Results: Psychosocial stress in each child’s household was assessed
based on parental response to the perceived stress scale (range, 0–16) at study entry.
Exposures to nitric oxide, nitrogen dioxide, and total oxides of nitrogen (NOx), surrogates of the
traffic-related pollution mixture, was estimated at schools and residences based on a land-use
regression model. Among children from high-stress households (parental perceived stress
scale>4) deficits in FEV1 of 4.5 (95% confidence interval, 26.5 to 22.4) and of 2.8% (25.7 to 0.3)
were associated with each 21.8 ppb increase in NOxat homes and schools, respectively. These
pollutant effects were significantly larger in the high-stress compared with lower-stress
households (interaction P-value 0.007 and 0.05 for residential and school NOx, respectively).
No significant NOx effects were observed in children from low-stress households. A similar
pattern of association was observed for FVC. The observed associations for FEV1 and FVC
remained after adjusting for sociodemographic factors and after restricting the analysis to
children who do not have asthma.
Conclusions: A high-stress home environment is associated with increased susceptibility to
lung function effects of air pollution both at home and at school.

IMPORTANT PRACTICE UPDATES:
         1) New Aspirin Guidelines
The American College of Cardiology and American Heart Association new guidelines for the use of Aspirin for cardiovascular disease prevention as follows: -​Low-dose aspirin might be considered for primary prevention of ASCVD in select higher ASCVD adults aged 40-70 years who are not at increased bleeding risk. -Low-dose aspirin should not be administered on a routine basis for primary prevention of ASCVD among adults >70 years. -Low-dose aspirin should not be administered for primary prevention among adults at any age who are at increased bleeding risk.
https://www.acc.org/latest-in-cardiology/ten-points-to-remember/2019/03/07/16/00/2019-acc-aha-guideline-on-primary-prevention-gl-prevention
2. New Drug for Treatment of Postpartum Depression
The U.S. Food and Drug Administration in adult women. This is the first drug today approved by Zulresso (brexanolone) approved by the FDA specifically for PPD. injection for intravenous (IV) use for the treatment of postpartum depression (PPD)
https://www.fda.gov/news-events/press-announcements/fda-approves-first-treatment-post-partum-depression

3. Measles outbreak
The United States is currently experiencing outbreaks of measles in 22 states, with the the greatest number of disease cases reported since it was eliminated in 2000. Measles is a viral illness with cough, coryza, conjunctivitis and fever followed by a maculopapular rash spreading from the head and upper trunk to the lower extremities. It is a mild to moderately severe illness but can lead to complications such as pneumonia, encephalitis and death.

The CDC has developed the following summary guidelines for vaccination:

WHAT ADULT PROVIDERS NEED TO KNOW:
Providers do not need to actively screen adult patients for measles immunity. This is
because of high population immunity and low risk of disease among adults in non-outbreak
areas in the U.S.
Providers should make sure patients have measles protection before international travel.
U.S. residents traveling internationally are at high risk for acquiring measles abroad. They can
also transmit measles to susceptible persons, such as infants when they return home.
        ● If a patient is traveling internationally and measles immunity is unknown,
providers should vaccinate, unless there are contraindications.​ Serologic testing
for measles immunity is not recommended.
        ● During outbreaks, providers should consult with local health departments for the
most up-to-date recommendations for their community. This may include additional
doses of MMR for your patients.

 

References:
cdc.gov/measles/hcp
https://www.cdc.gov/mmwr/preview/mmwrhtml/rr6204a1.htm
Measles cases and outbreaks reported to CDC – nationwide
https://www.cdc.gov/measles/cases-outbreaks.html
NYC’s website covering basics about measles
https://www1.nyc.gov/site/doh/health/health-topics/measles.page
General FAQs about measles
https://www1.nyc.gov/assets/doh/downloads/pdf/imm/faq-measles.pdf

CME LINKS
Here are some links to CME activities:
https://www.cmecalifornia.com/
https://www.acponline.org/cme-moc
https://www.uptodate.com/home/earning-cme-ce-cpd-credit-uptodate
https://www.americanseminar.com/

 

BMANACA 10th ANNUAL CONVENTION AND GALA​:
The 10th BMANACA Chapter Convention was held on February 16-18,2019 President’s Day
Weekend at the Hilton Long Beach in California. The theme was “Unite and Transform.”

1. Family Night
The BMANACA Cultural Family night was kicked off to a great start with Valentine’s Day love
decor and theme, featuring fabulous co-hosts Dr. Diba Farah and Dr. Tanima Shaheed. With a
mixture of humor, creativity, and talent, the evening was filled with entertaining performances,
showcasing children, youth, and adults. Featured acts included instrumental, singing, dancing,
comedy, slideshow, skits, couple’s games, non-physician spouse dialogue, and poetry recitation.

Dr Diba Farah & Dr. Tanima Shaheed

2. CME Event
One of the highlights of the 10th BMANACA Chapter Convention in February 2019 was the
CME event which took place on February 17, 2019. The event was a great success and
included 9 CME lectures on diverse topics and offered total 4.5 hours or AMA Category 1 CME
credit. More than 50 physicians attended this event and gave very positive feedback after the
conclusion of the event. The lectures were outstanding in content and delivery, engaging the
attendees in topics that were highly relevant to clinicians and researchers across the board! The
speakers were from different subspecialties, most of whom were California based physicians of
Bangladeshi origin, but we were also fortunate to have a speaker from Nevada and also non
Bangladeshi Physician from the Los Angeles area. Each lecture was followed by a
question/answer session which prompted high-level discussions with the attendees.

Dr Arshia Islam                          Dr Madhury Khan                                  Dr. Iqbal Munir

 

Presenters of CME Lectures along with Scientific Co-Secretaries Dr. Arshia Islam & Dr. Madhury Khan (1st left & last right). Dr Rubina Najeeb & Dr Iqbal Munir (center)

Moderators & Speakers of CME Lectures

We want to express our immense gratitude to all the speakers, Dr Iftikher Mahmood, Dr
Chowdhury Hafiz Ahsan, Dr Amit Karmakar, Dr. Shahriar Molla, Dr Aboo Nasar, Dr. Iqbal Munir,
Dr. Meskath Uddin, Dr. Sheherbano Mehdi, Dr Moksedul Habib and Dr Halima Karim for their
superb educational contribution.
Special thanks to Dr. Iftikher Mahmood, president of Hope Foundation, who inspired us all with a
non-CME talk on his humanitarian work in Bangladesh, including his work for the Rohingya
refugees.
We truly appreciate the moderators who conducted the program masterfully- Dr Anisul Aslam,
Dr Nasima Begum, Dr Arshia Islam, Dr Hasan Murad Chowdhury, Dr Nurun Nahar Khondekar,
Dr Sharmin Jahan, Dr Salma Khan, Dr Mushfeka Sharif, and Dr Roksana Karim.
Thanks also to Mr. Tanim Mustafa who organized the lectures systematically ensuring the entire
CME program flowed so smoothly.

3. Gala Night
The special Gala night took place on Sunday evening, starting with a red carpet entrance for photos and meet & greet hour.
The evening program was co-hosted by Dr. Madhury Khan and Dr. Nahim Mizan and
consisted of speeches and awards, dinner and a cultural program. Dr Rubina Najeeb,
President gave an inspirational talk highlighting the chapter’s work in the past
year. Awards presented included the Humanitarian award to Dr. Iftikher
Mahmood, president of Hope Foundation, award to Dr. Shirin (accepted on behalf by
Dr. Kennedy), community service award to Dr. Saleh Kibria and Member Services
award to Dr. Madhury Khan. A certificate of appreciation was presented to Ahsan
Chowdhury (Orney), a 17 year old high school student who donated iPads to
girls in an orphanage. The evening was attended by the Consul General of Bangladesh,
Honorable Priyotosh Saha. Dr Nahim Mizan presented a video of the Rohingya trip from
January 2019. Certificate awards were presented to all the children who went to the
camps. Then, a group panel with Dr. Iftikher Mahmood and all BMANACA physicians
who visited the Rohingya camps was conducted to share experiences and
facilitate discussion regarding the crisis. Following dinner, a great comedy show was
presented by international comedian Naveed Mahbub followed by a musical
fusion performance by artist Arzeen and Pink Turban.

The BMANACA Executive Committee

The team of doctors who visited The Rohingya Camp along with Dr. Iftikher Mahmood

Awardees with Consul General of Bangladesh Honorable P. Saha & Mayor of Artesia Ali S.Taj- Dr. I. Mahmood/ Dr. Madhury Khan/Dr. Tanvir Hossain accepting award for Late Shirin Rahman

 

4. Whale Watching

A spectacular whale watching experience was organized for Monday, with a beautiful
oceanview cruise of the Long Beach harbor highlighted by several whale sightings! It
was a great way to conclude a very fun and productive weekend.

COMMUNITY OUTREACH SERVICES

1) January 2019 Rohingya Camp Project
A group of physicians from the BMANACA chapter took a trip to the Rohingya camps in
Bangladesh in January, 2019 through the Hope Foundation. Physicians included Dr.
Rubina Najeeb, Dr. Nasima Begum, Dr.Tuli Kabir, Dr. Salma Khan, Dr. Rabi Alam, Dr
Iqbal Hossain and Dr. Nahim Mizan. The team delivered medical care and medications
to the refugees there as well as educational lectures to the staff. In addition they set up a
fund to donate money for the Hope Women and Children’s Field Hospital. BMANA-CA
has donated ​$4000.00​ to Hope Hospital for it’s women and Children Hospital which
takes care of the Rohingya and the local people of that region.

BMANACA Doctors visiting Hope Foundation 2019

2)    Dr. Madhury Khan went to the Rohingya camps in March, 2019 right after the first
operating room was opened in the Field Hospital for Women. This new operating theater
enabled cesarean sections and other surgical procedures to be performed within the
camps without having to be referred out to further located hospital centers in emergency
circumstances. While working in the Field Hospital, Dr. Khan was consulted for various
ob/gyn cases, ultrasound teaching, and participated in ante/postpartum care as well as
labor and delivery. She also conducted training/simulation sessions for providers and
midwives on obstetrical high risk emergencies, including postpartum hemorrhage, cord
prolapse and shoulder dystocia.

Dr Madhury Khan visiting Rohingya Camp 2019

3) BUFLA- Bangladesh Union Federation of L.A.
BMANACA chapter participated in the BUFLA 48th Bangladesh Independence Day
Parade and Festival which took place on Sunday March 31, 2019. Members walked in
the parade, as well as provided free medical services afterwards in the BUFLA mela.
BMANA CA chapter had a stall where check ups were offered for the community
including blood pressure, height, weight, etc. and consultation services for internal
medicine, pediatrics, ob/gyn and psychiatry.
4) Dr. Rubina Najeeb and Dr Syeda Kabir are both working with the Hope Foundation’s
Telemedicine Program for the Rohingya Refugee Camp in Bangladesh sharing their
medical expertise with the local treating physicians and other staff at the campsite.

 

YOUTH MENTORSHIP PROGRAM

Introducing the BMANA-CA Mentorship Program
Dr. Nahim Mizan
BMANA-CA Young Physician
PGY-1 Family Medicine CHMC

The path to becoming a physician is one with substantial hurdles, both
academic and personal. Those of us fortunate enough to have friends
and relatives in the medical field may have a slightly less stressful time
navigating the seemingly winding journey. However, the vast majority
of young, soon-to-be doctors are tasked with forging their own path.
We at BMANA-CA understand this journey intimately and have created a program geared
towards all youth on the medical path. Our goal is to lend a helping hand to high school
students, college students, and medical school students. Our strategy is akin to a Big
Brother/Big Sister pairing, i.e. we will pair young students interested in the medical field with
those above their level so that both parties benefit. The mentee gains a valuable guide while the
mentor gains an opportunity to impart wisdom and have a sense of real responsibility for the
development of the future. And hopefully, both gain a lifetime friend.
The tasks required to become a physician in the United States currently include earning a
bachelor’s degree, passing the Medical College Admission Test (MCAT), gaining acceptance
into and graduating medical school, and passing all three United States Medical Licensing
Exams (USMLE). One may then apply to match into a residency program where they will learn
to work as an independent physician. Each one of these requirements is made easier with a

mentor who can give their personal experiences and provide academic and moral support, the
latter of which I believe is necessary to success.
We also aim to help our friends from Bangladesh wishing to practice in the United States. This
will be accomplished by pairing those who have earned their MBBS with those who are recent
US/US-IMG medical graduates.
Another aspect of our program is to provide the ability to speak with working physicians in our
organization if one is unsure of which specialty to go into.
We at BMANA-CA believe that we must help one another succeed. The success of one member
of our community is a reflection of the success of our community as a whole.
If you are a medical student, resident physician, or independent physician interested in joining
as a mentor or if you know of anyone who would benefit from a mentor, please contact
BMANA-CA.

RESEARCH MENTORSHIP PROGRAM

BMANACA has partnered with our BMANA Central Young Physician Dr. Md. Yusufal Mamoon,
to provide lectures on research 101 to young physicians from Bangladesh who are either here
or in Bangladesh. Dr. Salma Khan had already given a video conference talk. We had two
teleconference with Dr. Mamoon and our researchers Dr. Roksana Karim, Dr. Suhaila Khan, Dr.
Huma Asghari and Dr. Talat Islam to discuss and plan the best way to provide support to our
young physicians, including video conferences and helping them with small research projects
here in The USA and in Bangladesh.
Our Central Young Physicians Secretary has received significant numbers of posters and case
studies from young doctors for our upcoming Central Convention. Dr. Salma Khan along with
other doctors is helping with conducting three community-based research projects. There will be
a round table discussion and poster presentation for young doctors during the Central
Convention.

Dr. Suhaila Khan graciously volunteered her time and presented a research video conference for
BMANACA on June 30th, 2019. This was received with many accolades!

IMPORTANT EVENTS

1) ​DAY TRIP TO MEXICO
A group of our Physicians and older teenage children will be going to Mexico​ ​to help the poor
and needy with medical assistance. One group will be going on August 3rd, 2019. A second
group is being planned (date to be determined)
2) ​DECEMBER 2019 VOLUNTEER CAMP IN BANGLADESH
We have started preparations for BMANACA members to Volunteer at the Rohingya Refugee
Camp in December 2019

LAUGHTER IS ALWAYS THE BEST MEDICINE

 

Members Corner
1. How To Allocate your Money in 401k/475B

Meskath Uddin, MD, MCPS
Lead Physician; California Dept of Correction and Rehab (CDCR).
California State Prison, Sacramento.

How to allocate your money in 401K/457B accounts; you will find in your Employer Plan’s
investment options there are different options namely Small Cap Funds, Mid Cap Funds, Large
Cap funds and Bond Funds
-Small cap is very high risk/ very high return fund. It earns on average 12 %. But has a potential
of earning 40% and also a potential risk of losing 40%.
-Mid cap is high (not very) risk/ high return. It earns on average 10 %. But has a potential of
earning or losing up to 30%.
-Large cap is average risk/ average return. It earns on an average 8%. But has a risk of
fluctuating 20%.
-Compared to all different type of Cap funds, Bond fund has almost no risk/ with minimum
return, with an average fluctuation of 3 %.
-Now comes the question which one to pick from ? If you have 10 yrs time to retire/ or withdraw
the money/ or cash out the money, don’t worry. Go with high risk because any down market will
come back with a huge return in 10 yrs. So during down market do not get nausea and
insomnia. If you think you will; go for the lowest risk one which is Bond Fund. Remember when
your balance is down you actually didn’t lose money because you didn’t withdraw money or
cash it out. It just looks low.
-Gradually when your retirement is approaching you will shift around your money and invest in
low risk fund and more Bond funds. And by retirement you should be 90% Bond funds and only
10 % Cap funds, preferably Large cap.
-Do not go for Target Dated funds. They are for people who will take a position of “Let my
employer decide for me”. There are many disadvantages. If employer does not allow to pic Cap
funds on your own go with Bond fund which is still better and your Employer will not have
objection for Bond Funds

 

2. ​ ​HEALTHY BRAIN RESEARCH AND BOOSTING MEMORY
Published in Masters of Health Magazine

Dr. Aboo Nasar, MD, MPH, MBA
We are excited to share this article written by Dr. Naser- we are sure the information will
enlighten your minds-
https://docs.google.com/document/d/14nZUFiutFloalyyqkIRu_dqtDWVy1giHQjjsKHx4-yI/edit

 

 

SPECIAL TRIBUTE-

 

Executive Members of BMANA CA 2018-2020
President– Dr. Rubina Najeeb, President Elect– Dr. Anisul Aslam, Past President– Dr. Aboo
Nasar, General Secretary– Dr. Mahfuz Rahman, Treasurer– Dr. Syeda Kabir, Scientific
Co-Secretaries– Dr. Arshia D. Islam & Dr. Madhury Khan, Cultural Secretary– Dr. Diba Farah
Chief Patron– Dr. Nasima Begum; Dr. Pradip Chowdhury; Dr. Ruby Hossain; Dr. Iqbal Munir.
Members-At-Large– Dr. Rabi Alam; Dr. Showkot Ara Rahman; Dr. Tanima Shaheed,
Young Physician Lead- Dr. Sajib Saha/ Dr. Nahim Mizan, Communication and Media Lead- Dr.
Syeda Lata Akhtar, Youth Mentorship Lead- Dr. Nahim Mizan

Please feel free to contact any of our Executive Committee members with any questions or
suggestions.

 

Newsletter compiled and edited by-

                                         

Dr. Arshia D. Islam                                                Dr. Madhury Khan
Department of Rheumatology                                 Department of Obstetrics & Gynecology
The Permanente Medical Group                              Assistant Professor
Roseville, CA                                                          Albert Einstein College of Medicine
Volunteer Faculty, Rheumatology                          Bronx, NY
University of CA, Davis