Sunday, November 27, 2011

8 of the World’s Healthiest Spices & Herbs You Should Be Eating

8 of the World’s Healthiest Spices & Herbs You Should Be Eating



We know that herbs and spices do more than simply add flavor to food. They let you cut down on some less-healthy ingredients, such as salt, added sugars and saturated fat, and some have inherent health benefits, many of which Joyce Hendley reported on for EatingWell Magazine.


Modern science is beginning to uncover the ultimate power of spices and herbs, as weapons against illnesses from cancer to Alzheimer's disease. "We're now starting to see a scientific basis for why people have been using spices medicinally for thousands of years," says Bharat Aggarwal, Ph.D., professor at the University of Texas M.D. Anderson Cancer Center in Houston and author of Healing Spices (Sterling, 2011).


Aggarwal notes that in his native India, where spices tend to be used by the handful, incidence of diet-related diseases like heart disease and cancer have long been low. But when Indians move away and adopt more Westernized eating patterns, their rates of those diseases rise. While researchers usually blame the meatier, fattier nature of Western diets, Aggarwal and other experts believe that herbs and spices-or more precisely, the lack of them-are also an important piece of the dietary puzzle. "When Indians eat more Westernized foods, they're getting much fewer spices than their traditional diet contains," he explains. "They lose the protection those spices are conveying."


While science has yet to show that any spice cures disease, there's compelling evidence that several may help manage some chronic conditions (though it's always smart to talk with your doctor). What's not to love? Here we've gathered eight of the healthiest spices and herbs enjoyed around the world.


Chile Peppers
May help: Boost metabolism.
Chile peppers add a much-appreciated heat to chilly-weather dishes, and they can also give a boost to your metabolism. Thank capsaicin, the compound that gives fresh chiles, and spices including cayenne and chipotle, their kick. Studies show that capsaicin can increase the body's metabolic rate (causing one to burn more calories) and may stimulate brain chemicals that help us feel less hungry. In fact, one study found that people ate 16 percent fewer calories at a meal if they'd sipped a hot-pepper-spiked tomato juice (vs. plain tomato juice) half an hour earlier. Recent research found that capsinoids, similar but gentler chemicals found in milder chile hybrids, have the same effects-so even tamer sweet paprika packs a healthy punch. Capsaicin may also lower risk of ulcers by boosting the ability of stomach cells to resist infection by ulcer-causing bacteria and help the heart by keeping "bad" LDL cholesterol from turning into a more lethal, artery-clogging form.
Don't Miss: Foods That Blast Belly Fat


Ginger
May help: Soothe an upset stomach, fight arthritis pain.
Ginger has a well-deserved reputation for relieving an unsettled stomach. Studies show ginger extracts can help reduce nausea caused by morning sickness or following surgery or chemotherapy, though it's less effective for motion sickness. But ginger is also packed with inflammation-fighting compounds, such as gingerols, which some experts believe may hold promise in fighting some cancers and may reduce the aches of osteoarthritis and soothe sore muscles. In a recent study, people who took ginger capsules daily for 11 days reported 25 percent less muscle pain when they performed exercises designed to strain their muscles (compared with a similar group taking placebo capsules). Another study found that ginger-extract injections helped relieve osteoarthritis pain of the knee.
Must-Read: 5 Foods That Fight Pain Naturally


Cinnamon
May help: Stabilize blood sugar.
A few studies suggest that adding cinnamon to food-up to a teaspoon a day, usually given in capsule form-might help people with type 2 diabetes better control their blood sugar, by lowering post-meal blood-sugar spikes. Other studies suggest the effects are limited at best.


Turmeric
May help: Quell inflammation, inhibit tumors.
Turmeric, the goldenrod-colored spice, is used in India to help wounds heal (it's applied as a paste); it's also made into a tea to relieve colds and respiratory problems. Modern medicine confirms some solid-gold health benefits as well; most are associated with curcumin, a compound in turmeric that has potent antioxidant and anti-inflammatory properties. Curcumin has been shown to help relieve pain of arthritis, injuries and dental procedures; it's also being studied for its potential in managing heart disease, diabetes and Alzheimer's disease. Researcher Bharat Aggarwal is bullish on curcumin's potential as a cancer treatment, particularly in colon, prostate and breast cancers; preliminary studies have found that curcumin can inhibit tumor cell growth and suppress enzymes that activate carcinogens.


Saffron
May help: Lift your mood.
Saffron has long been used in traditional Persian medicine as a mood lifter, usually steeped into a medicinal tea or used to prepare rice. Research from Iran's Roozbeh Psychiatric Hospital at Tehran University of Medical Sciences has found that saffron may help to relieve symptoms of premenstrual syndrome (PMS) and depression. In one study, 75% of women with PMS who were given saffron capsules daily reported that their PMS symptoms (such as mood swings and depression) declined by at least half, compared with only 8 percent of women who didn't take saffron.
Must-Read: 4 Foods to Boost Your Mood


Parsley
May help: Inhibit breast cancer-cell growth.
University of Missouri scientists found that this herb can actually inhibit breast cancer-cell growth, reported Holly Pevzner in the September/October 2011 issue of EatingWell Magazine. In the study, animals that were given apigenin, a compound abundant in parsley (and in celery), boosted their resistance to developing cancerous tumors. Experts recommend adding a couple pinches of minced fresh parsley to your dishes daily.


Sage
May help: Preserve memory, soothe sore throats.
Herbalists recommend sipping sage tea for upset stomachs and sore throats, a remedy supported by one study that found spraying sore throats with a sage solution gave effective pain relief. And preliminary research suggests the herb may improve some symptoms of early Alzheimer's disease by preventing a key enzyme from destroying acetylcholine, a brain chemical involved in memory and learning. In another study, college students who took sage extracts in capsule form performed significantly better on memory tests, and their moods improved.
Related: 5 Foods to Help Ward Off Colds


Rosemary
May help: Enhance mental focus, fight foodborne bacteria.
One recent study found that people performed better on memory and alertness tests when mists of aromatic rosemary oil were piped into their study cubicles. Rosemary is often used in marinades for meats and poultry, and there's scientific wisdom behind that tradition: rosmarinic acid and other antioxidant compounds in the herb fight bacteria and prevent meat from spoiling, and may even make cooked meats healthier. In March 2010, Kansas State University researchers reported that adding rosemary extracts to ground beef helped prevent the formation of heterocyclic amines (HCAs)-cancer-causing compounds produced when meats are grilled, broiled or fried.
Don't Miss: Drink This to Cure a Headache & 4 More Home Remedies From Your Kitchen



Tuesday, August 9, 2011

അമേരിക്കന്‍ പ്രതിസന്ധി

അമേരിക്കന്‍ പ്രതിസന്ധി: ഇന്ത്യക്കു തുടക്കം കടുപ്പമായാലും ഒടുക്കം കരുത്താവുമെന്ന്‌ വിദഗ്‌ധര്‍
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അമേരിക്കന്‍ സാമ്പത്തിക പ്രതിസന്ധി താല്‍ക്കാലികമായി ഇന്ത്യക്ക്‌ ദോഷം ചെയ്യുമെങ്കിലും ഭാവിയില്‍ ഗുണകരമാണെന്ന്‌ വിദഗ്‌ധര്‍.

ബാങ്കിംഗ്‌, സ്വര്‍ണ, ഐടി ഓഹരി വിപണികളില്‍ മുന്നേറ്റത്തിനു കാരണമാകും. ഇന്ത്യയിലെ ബാങ്കിംഗ്‌ അടിത്തറ കൂടുതല്‍ ശക്‌തമായതിനാല്‍ അമേരിക്കന്‍ കാറ്റ്‌ ഇന്ത്യയെ പിടിച്ചുകുലുക്കില്ലെന്നും അവര്‍ പറയുന്നു. എണ്ണ വില കുറയുന്നത്‌ നാണ്യപ്പെരുപ്പം കുറയ്‌ക്കും. ഇത്‌ ഇന്ത്യന്‍ സമ്പദ്‌ഘടനയെ കൂടുതല്‍ ശക്‌തമാക്കും. അങ്ങനെയായാല്‍ എളുപ്പത്തില്‍ ഇന്ത്യ ചൈനയ്‌ക്ക് മുന്നിലെത്തുമെന്ന്‌ പ്രവചിക്കുന്നവരുമേറെ. ആസന്നമായ ആ കുതിച്ചുചാട്ടത്തിന്‌ ഈ പ്രതിസന്ധി നിമിത്തമായേക്കാം.

ഓഹരി വിപണി

ഇക്വിറ്റി മാര്‍ക്കറ്റില്‍ മുന്നിലെത്താന്‍ പറ്റിയ സമയം

അമേരിക്കന്‍ സാമ്പത്തിക പ്രതിസന്ധി ഇന്ത്യന്‍ ഓഹരി വിപണിയെ ഉത്തേജിപ്പിക്കുമെന്നും തളര്‍ത്തുമെന്നും വാദിക്കുന്നവരുണ്ട്‌. ഇപ്പോഴത്തെ തകര്‍ച്ച താല്‍ക്കാലികമാണ്‌. ഓഹരി വിപണികള്‍ കുറേക്കാലത്തേക്ക്‌ സമ്മര്‍ദ്ദത്തിലാകുമെങ്കിലും അസംസ്‌കൃത വസ്‌തുക്കളുടെ വിലയിടിവ്‌ ഇന്ത്യ ഉള്‍പ്പെടെയുള്ള വികസ്വര രാജ്യങ്ങള്‍ക്ക്‌ ഗുണംചെയ്യുമെന്ന്‌ റിലയന്‍സ്‌ മ്യൂച്ചല്‍ ഫണ്ട്‌ കമ്പനിയുടെ കൊച്ചിയിലെ ക്ലസ്‌റ്റര്‍ മാനേജര്‍ സുബിന്‍ ഫിലിപ്പ്‌ അഭിപ്രായപ്പെടുന്നു.

രണ്ടുവര്‍ഷമെങ്കിലും ഓഹരി മാര്‍ക്കറ്റില്‍ നില്‍ക്കാന്‍ കഴിയുന്നവര്‍ക്ക്‌ വലിയ ലാഭമുണ്ടാക്കാന്‍ കഴിയും. വിദേശധനകാര്യ സ്‌ഥാപനങ്ങള്‍ ചെറിയ ലാഭമെടുത്തുപോലും നിക്ഷേപം പിന്‍വലിക്കാനും ഇടയുണ്ട്‌.

വിദേശ കമ്പനികള്‍ ഇന്ത്യയില്‍ ഓഹരി നിക്ഷേപത്തിനു താല്‍പര്യം കാണിച്ചുതുടങ്ങിയിട്ടുണ്ട്‌. അമേരിക്കന്‍ പ്രതിസന്ധി പെട്ടെന്ന്‌ ഉണ്ടായതല്ല രണ്ടുവര്‍ഷമായി പ്രതീക്ഷിച്ച പതനമാണ്‌. ഇക്വിറ്റി മാര്‍ക്കറ്റില്‍ ഇന്ത്യന്‍ കമ്പനികള്‍ക്ക്‌ മുന്‍നിരയിലെത്താന്‍ പറ്റിയ സമയമാണിപ്പോള്‍. ബ്രസീലിനും ചൈനയ്‌ക്കും ഉല്‍പ്പന്നങ്ങള്‍ സൃഷ്‌ടിക്കാനുള്ള ശേഷി മാത്രമാണുള്ളതെങ്കില്‍ ഇന്ത്യയ്‌ക്ക് ഉല്‍പന്നേതര വിപണിയും ലാഭകരമാണ്‌. കഴിഞ്ഞ ഒന്നര മാസത്തിനിടയ്‌ക്ക് ഒരിക്കലും വരാത്ത പണമാണ്‌ ഇന്ത്യന്‍ ഇക്വിറ്റി മാര്‍ക്കറ്റിലെത്തിയത്‌.

സ്‌ഥിരതയുള്ള സര്‍ക്കാരാണ്‌ വിപണി ഉയരാന്‍വേണ്ട പ്രധാന ഘടകം. ഇറ്റലി, സ്‌പെയിന്‍ എന്നിവിടങ്ങളില്‍ നിന്ന്‌ ബോണ്ട്‌ ഇഷ്യു വന്നുതുടങ്ങി. ഇത്‌ ഉയരുന്നതോടെ മിക്ക ഇന്ത്യന്‍ കമ്പനികള്‍ക്കും നേട്ടമുണ്ടാക്കാനാവും. ഇപ്പോള്‍ ഇന്ത്യന്‍ വിപണി ആയിരം പോയിന്റ്‌ താഴെപ്പോയാലും ഭയക്കേണ്ടതില്ല; ഭാവിയില്‍ ഇരട്ടി വളര്‍ച്ചയാണുണ്ടാവുകയെന്നും അദ്ദേഹം പറയുന്നു. അമേരിക്കയിലെയും യൂറോപ്പിലേയും മൂല്യശോഷണം നിക്ഷേപകരുടെ ശ്രദ്ധ ഇന്ത്യയിലേക്കും ചൈനയിലേക്കും തിരിക്കും. ഇപ്പോഴത്തെ പ്രതിസന്ധി താല്‍ക്കാലികമായി ഇന്ത്യന്‍ ഓഹരി വിപണിയെ ബാധിക്കുമെങ്കിലും വര്‍ഷാവസാനത്തോടെ സ്‌ഥിതി മെച്ചപ്പെടും.

ഐടി രംഗം

ഇപ്പോള്‍ സുരക്ഷിതം; ഭാവിയില്‍ ആശങ്ക

അമേരിക്കന്‍ സമ്പദ്‌വ്യവസ്‌ഥ മാന്ദ്യത്തിനടിപ്പെട്ടാലും തങ്ങള്‍ക്കു പിടിച്ചുനില്‍ക്കാന്‍ കഴിയുമെന്നാണ്‌ രാജ്യത്തെ ഐ.ടി. വിദഗ്‌ധര്‍ പറയുന്നത്‌. 2008 ല്‍ മാന്ദ്യമുണ്ടായപ്പോള്‍ തങ്ങള്‍ സമ്പാദ്യത്തിനനുസരിച്ച്‌ കാര്യങ്ങള്‍ നീക്കിയെന്നും ആ അനുഭവത്തിന്റെ വെളിച്ചത്തില്‍ ഈ പ്രതിസന്ധിയും മറികടക്കാന്‍ കഴിയുമെന്നും അവര്‍ വാദിക്കുന്നു. അമേരിക്കയുടെ വിപുലമായ കണ്‍സ്യൂമര്‍ മാര്‍ക്കറ്റിനെ കേന്ദ്രീകരിച്ചാണ്‌ ലോകകയറ്റുമതിയുടെ അച്ചുതണ്ട്‌ തിരിയുന്നത്‌.

ലോകം വീണ്ടും സാമ്പത്തിക മാന്ദ്യത്തിലേക്കു നീങ്ങുമെന്ന ആശങ്ക ഉയര്‍ന്നിട്ടുണ്ട്‌. എന്നാല്‍ മാന്ദ്യം യാഥാര്‍ഥ്യമല്ലെന്നാണു കരുതുന്നത്‌. പ്രതിവര്‍ഷം 600 കോടി ഡോളറിന്റെ വരുമാനം ഉണ്ടാക്കുന്ന ഇന്ത്യന്‍ ഐ.ടി. കമ്പനികളുടെ ബിസിനസിന്റെ 60 ശതമാനവും അമേരിക്കയുടെ സംഭാവനയാണ്‌. വ്യവസായ, വാണിജ്യ മേഖലകളുമായി ബന്ധപ്പെട്ട സംഘടനകളായ ഇ.ഐ.ഐ, എഫ്‌.ഐ.സി.സി.ഐ, അസോചം, എഫ്‌.ഐ.ഇ.ഒ. എന്നിവയെല്ലാം അമേരിക്കയുടെ റേറ്റിംഗ്‌ താഴ്‌ത്തിയത്‌ ഉത്‌കണ്‌ഠയുണ്ടാക്കുന്നു.

എന്നാല്‍ അമേരിക്കന്‍ വിപണിയിലെ തിരിച്ചടികൊണ്ട്‌ നിലവില്‍ സംസ്‌ഥാനത്തെ ഐ.ടി. രംഗത്ത്‌ തിരിച്ചടിയില്ലെന്നാണ്‌ ഇന്‍ഫോപാര്‍ക്ക്‌ സീനിയര്‍ ടെക്‌നിക്കല്‍ അഡ്വൈസര്‍ കെ. കുര്യന്‍ പറയുന്നത്‌. പാശ്‌ചാത്യനാടുകളില്‍ നിന്നുള്ള ഓര്‍ഡര്‍ കുറഞ്ഞാല്‍ മൂന്നുനാലു മാസം കഴിഞ്ഞേ അതിന്റെ പ്രതിഫലനം ഇന്ത്യന്‍ ഐ.ടി. മാര്‍ക്കറ്റിനെ ബാധിച്ചുതുടങ്ങൂവെന്നും അദ്ദേഹം പറഞ്ഞു.

സ്വര്‍ണനിക്ഷേപം

ഡോളറിന്റെ തളര്‍ച്ചയില്‍ സ്വര്‍ണം കുതിക്കും



അമേരിക്കന്‍ സമ്പദ്‌വ്യവസ്‌ഥ കൂടുതല്‍ പ്രതിസന്ധിയിലാണെന്ന വാര്‍ത്തകളും സ്വര്‍ണത്തിലുള്ള നിക്ഷേപ താല്‍പര്യം വര്‍ധിപ്പിച്ചതുമാണ്‌ ആഗോള വിപണിയിലെ വില ഉയരാന്‍ കാരണം. ഡോളറിന്റെ തളര്‍ച്ചയാണ്‌ സ്വര്‍ണവില ക്രമാധീതമായി ഉയര്‍ത്തുന്നത്‌.

നിക്ഷേപകര്‍ക്ക്‌ സ്വര്‍ണത്തില്‍ വിശ്വാസ്യത ഏറി. നിക്ഷേപമായി സ്വര്‍ണം വാങ്ങിക്കൂട്ടുന്ന പ്രവണത കൂടുകയാണ്‌. ആഭരണങ്ങള്‍ക്ക്‌ ഏറ്റവും കൂടുതല്‍ സ്വര്‍ണം വിറ്റഴിക്കപ്പെടുന്ന ഇന്ത്യയില്‍ ഇത്‌ സാധാരണക്കാരെ വലയ്‌ക്കും. ഡോളര്‍ ദുര്‍ബലമായി യു.എസ്‌. ഡോളറുകള്‍ ആകര്‍ഷകമല്ലാതാവുന്നത്‌ സ്വര്‍ണത്തിന്റെ ഡിമാന്റ്‌ വര്‍ധിപ്പിക്കും. ജപ്പാന്‍ കഴിഞ്ഞ 15 വര്‍ഷമായി മാന്ദ്യത്തെ നേരിടുകയാണ്‌. ഈ സാഹചര്യത്തിലാണ്‌ ലോകം മുഴുവന്‍ സ്വര്‍ണത്തെ ഒരു പ്രധാന നിക്ഷേപ മാര്‍ഗമായി കാണുന്നതെന്ന്‌ സൗത്ത്‌ ഇന്ത്യന്‍ ബാങ്ക്‌ എക്‌സിക്യൂട്ടീവ്‌ ഡയറക്‌ടര്‍ ഏബ്രഹാം തര്യന്‍ പറയുന്നു. 2008 ല്‍ 800 ഡോളറായിരുന്നു സ്വര്‍ണ വില. 2011 ല്‍ 17000 ഡോളറായത്‌ ഈ പശ്‌ചാത്തലത്തിലാണ്‌. അമേരിക്കന്‍ പ്രതിസന്ധി ഇന്ത്യയ്‌ക്ക് ഗുണകരമാകുമെന്നാണു പ്രതീക്ഷ. ക്രൂഡ്‌ ഓയില്‍ വില താഴേക്കുപോകും. ഇതുവഴി ഇന്ത്യയുടെ വലിയൊരു തലവേദനയായ നാണ്യപ്പെരുപ്പം പരിഹരിക്കപ്പെടും. സ്വര്‍ണം ഒഴികെയുള്ള ഉല്‍പന്നങ്ങള്‍ക്ക്‌ ആവശ്യകതയും വിലയും കുറയും.

അമേരിക്കന്‍ സര്‍ക്കാരിന്റെ വായ്‌പ എടുക്കാനുള്ള പരിധി ഉയര്‍ത്തേണ്ട സാഹചര്യത്തിലേക്ക്‌ ധനസ്‌ഥിതി നീങ്ങിയപ്പോള്‍തന്നെ കൂടുതല്‍ സുരക്ഷിതമായ നിക്ഷേപമെന്ന നിലയില്‍ സ്വര്‍ണത്തിലേക്ക്‌ ഇടപാടുകള്‍ മാറുകയാണ്‌. ഒരുദിവസം തന്നെ രണ്ടും മൂന്നും തവണ സ്വര്‍ണ വില ഉയരുന്ന സ്‌ഥിതിവിശേഷമാണ്‌ ഇപ്പോഴുള്ളത്‌. കഴിഞ്ഞദിവസം കൊച്ചിയില്‍ രാവിലെ പവന്‌ 400 രൂപയുടെ റെക്കോഡ്‌ കുതിപ്പുണ്ടായി. ഉച്ചയ്‌ക്കുശേഷം 160 രൂപ കൂടി വര്‍ധിച്ചു. സ്വര്‍ണത്തിന്റെ ചുവടുപിടിച്ച്‌ വെള്ളി വിലയും ഉയരുകയാണ്‌. മൂന്നുമാസത്തെ ഉയര്‍ന്ന നിരക്കിലാണിപ്പോള്‍. കിലോഗ്രാമിന്‌ 1500 രൂപ കൂടി 60,100 രൂപയായി.

ബാങ്കിംഗ്‌ രംഗം

നാണ്യപ്പെരുപ്പം കുറയും; പലിശയും

ഇപ്പോഴത്തെ സംഭവവികാസങ്ങള്‍ യു.എസില്‍ നിക്ഷേപിച്ചിട്ടുള്ള സ്‌ഥാപനങ്ങളുടെയും സര്‍ക്കാരുകളുടെയും ആത്മവിശ്വാസം കുറയ്‌ക്കും. പ്രതിസന്ധി ഇന്ത്യയ്‌ക്ക് ഗുണം ചെയ്യും.

രാജ്യം എളുപ്പത്തില്‍ ചൈനയ്‌ക്കൊപ്പം എത്തും. ഇന്ത്യയിലെ ബാങ്കിംഗ്‌ സംവിധാനം കൂടുതല്‍ പ്രബലമാണ്‌. ലോകമാന്ദ്യംവന്നാല്‍ ക്രൂഡ്‌ വില കുറയും. ആറുമാസമായി വില കുറയുന്നുണ്ട്‌. ഇങ്ങനെവന്നാല്‍ നാണ്യപ്പെരുപ്പം കുറയും. ഇന്ത്യ വളരെ സൂക്ഷിച്ചാണ്‌ കഴിഞ്ഞവര്‍ഷങ്ങളില്‍ നിക്ഷേപം നടത്തിയത്‌. ചെറിയശതമാനമേ യു.എസ്‌. ബോണ്ടുകളിലേക്ക്‌ പോയിട്ടുള്ളൂ.

യു.എസ്‌. വേണ്ടത്ര നിക്ഷേപ യോഗ്യമല്ലാതെവരുമ്പോള്‍ ആ പണം ചെറിയതോതിലെങ്കിലും ഇന്ത്യപോലുള്ള ഉയരുന്ന സമ്പദ്‌ഘടനകളിലേക്ക്‌ വരാം. അങ്ങനെവന്നാല്‍ ഓഹരി വിപണിക്ക്‌ ദീര്‍ഘകാലത്തേക്ക്‌ സഹായകമായേക്കാം. ഇനി റിസര്‍വ്‌ ബാങ്കിന്‌് റിപ്പോ, റിവേഴ്‌സ് റിപ്പോ നിരക്കുകള്‍ ഉയര്‍ത്തേണ്ടിവരില്ല. പടിപടിയായി താഴ്‌ത്തുകയാവാം. നാണയപ്പെരുപ്പം കുറയ്‌ക്കാന്‍ ഇപ്പോള്‍ പലിശ കൂട്ടുന്ന രീതി ഫലം കാണുന്നില്ല. നാണ്യപ്പെരുപ്പം കുറഞ്ഞാല്‍ ഇന്ത്യയിലെ പലിശനിരക്കുകള്‍ കുറയും. ഇന്ത്യന്‍ ബാങ്കുകള്‍ക്ക്‌ യു.എസ്‌. ബോണ്ടുകളില്‍ വളരെ കുറഞ്ഞ നിക്ഷേപമേയുള്ളൂ. അതുകൊണ്ട്‌ ഇന്ത്യന്‍ ബാങ്കുകളെ അല്‍പംപോലും ബാധിക്കില്ല. പലിശനിരക്ക്‌ കുറയുന്നത്‌ ബാങ്കിംഗിന്‌ ഉണര്‍വേകും. വായ്‌പ എടുക്കുന്നത്‌ വര്‍ധിക്കുമ്പോള്‍ സാമ്പത്തികരംഗത്ത്‌ ഉണര്‍വേകും. വികസന പ്രവര്‍ത്തനങ്ങള്‍ക്ക്‌ വേഗം കൂടും. വിപണിയിലേക്ക്‌ പണം ഒഴുകിയാല്‍ ഡിമാന്റ്‌ വര്‍ധിക്കും - ഏബ്രഹാം തര്യന്‍ പറയുന്നു.
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Saturday, April 9, 2011

5 Things Not to Buy at CVS

You’d think that the core competency of a drugstore would be filling prescriptions, so why are the pharmacies at CVS (and all its competitors) in the very back of the store? Because that way, you’ve got miles of aisles to navigate — and baskets full of impulse buys to resist — on the way. The drugstore chains have been growing by offering higher-end cosmetics, more store brands, expanding their grocery offerings, and even selling prepared food. Would you like a CVS salad with your Lipitor? No store can be all things to all people all the time, though, so don’t let the one-stop shopping convenience empty your wallet. Below are five items you’d be better off buying elsewhere, for reasons of price, quality, or selection.





1. Batteries
In a Consumer Reports test in 2009, CVS’s alkaline AA batteries came in dead last among 9 different brands, behind those of Walgreens and Costco (the Panasonic Evolta topped the list, holding its charge more than twice as long as the CVS brand).






More from CBS MoneyWatch.com:

5 Things You Should Buy at CVS

4 Things Not to Buy at Target

4 Things Not to Buy at Costco


2. Bottled Water
This is one product that’s usually cheaper at supermarkets; plus they usually stock more brands. A case of 24 half-liter bottles of Arrowhead water, for example, was recently selling for $5.99 at CVS, versus $3.79 at Safeway. Beside the Arrowhead, CVS only carried Nestle Pure Life water in addition to its store brand, while Safeway was offering Aquafina, Dasani, Fiji, Crystal Geyser, Evian, and its in-house brand — all selling for $5.49 or less per case. And unless you get lucky and snag a sale somewhere, warehouse stores Costco and BJ’s will be the cheapest of all.






3. Hair Dryers
CVS has several hair dryers to choose from — as long as you like Conair. That was the only brand on the shelf of three Los Angeles CVS stores, although a CVS spokesperson says that the store usually stocks more than one brand. Bed, Bath and Beyond was recently stocking six brands of hair dryers, including a Consumer Reports Best Buy, the Revlon Ionic Ceramic Pro Stylist, for $19.99.






4. Cereal
The markup on cereal at supermarkets is already high, and it typically costs even more at CVS, where floor space is limited. For example, a box of Total cereal that costs $5.79 at CVS was selling for $3.99 at a local supermarket. You might hit a good sale, but before throwing down your cash, make sure it’s a real sale, not just a marketing move masquerading as a deal. In one Southern California CVS store, a sign beneath single-serving cups of cereal read, “Stock Up! 10/$10.” The regular price per cup? $1.00.






5. Small Appliances
Unless you need to press a prom dress in a panic, take a pass on CVS’s appliances. The basics that CVS sells — irons, toasters, blenders, coffeemakers — can be useful in a pinch, and none of them costs more than about $40. But there are only two or, at most, three brands to choose from in each category, and those low prices can be found at other places where there’s more of a selection. For example, Sears recently had 12 irons on display, five of them for under $40.

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Sunday, February 27, 2011

Amazing story !!!.

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Once upon a time there was a painter who had just completed his course. He took 3 days and painted beautiful scenery. He wanted people's opinion about his caliber and painting skills.
He put his creation at a busy street-crossing. And just down below aboard which read -"I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. Please put a cross wherever you see a mistake."
While he came back in the evening to collect his painting he was completely shattered to see that whole canvass was filled with Xs (crosses) and some people had even written their comments on the painting.
Disheartened and broken completely he ran to his master's place and burst into tears.
This young artist was breathing heavily and master heard him saying"I'm useless and if this is what I have learnt to paint I'm not worth becoming a painter. People have rejected me completely. I feel like dying"
Master smiled and suggested "My Son, I will prove that you are a great artist and have learnt flawless painting. Do as I say without questioning it. It WILL work."
Young artist reluctantly agreed and two days later early morning he presented a replica of his earlier painting to his master. Master took that gracefully and smiled.
"Come with me." master said.
They reached the same street-square early morning and displayed the same painting exactly at the same place. Now master took out another board which read -"Gentlemen, I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. I have put a box with colors and brushes just below. Please do a favor. If you see a mistake, kindly pick up the brush and correct it."

Master and disciple walked back home.
They both visited the place same evening. Young painter was surprised to see that actually there was not a single correction done so far. Next day again they visited and found painting remained untouched. They say the painting was kept there for a month for no correction came in!

Moral of the story:
It is easier to criticize, but DIFFICULT TO IMPROVE!
So don't get carried away or judge yourself by someone else's criticism and feel depressed...



JUDGE YOURSELF! YOU ARE YOUR BEST JUDGE!!!

Saturday, February 12, 2011

Saturday, October 16, 2010

10 Energy-Efficient Moves to Do in a Weekend

With winter approaching, why not give these 10 DIY weekend projects a try? They range in price from $10 to no more than $250 -- money you should easily recoup with improved efficiency or when you go to sell your home. You'll be saving cash and going green at the same time.

1. Replace Your Showerhead

Estimated Time: 15 minutes
Estimated Cost: $10 to $60

Install a new WaterSense-labeled showerhead, and you could save more than 2,300 gallons of water annually, according to the Environmental Protection Agency. Using less hot water will cut your energy bills, and your local utilities may provide a rebate, too. EPA vouches that models labeled WaterSense still provide a satisfying shower.


Your showerhead is a water-waster if it fills a gallon bucket in 20 seconds. To find out how much water and money you could save in your home with water-saving improvements, use the calculator at EPA.gov.


2. Add Aerators to Your Faucets

Estimated Time: About 5 minutes per faucet
Estimated Cost: $2 to $10

You can save another 500 gallons of water annually simply by replacing a standard aerator, which delivers more than 2.5 gallons per minute, with a low-flow one, with a flow of 0.5 to 1 gallon per minute. The low-flow aerators will cut water and energy usage while maintaining adequate water pressure. Unsure whether your faucets are water wasters? Put a quart container under the sink faucet and let 'er flow. If the container fills in less than five seconds, get busy.

In the kitchen you might want greater flow, say 2 to 4 gallons per minute, for filling a pot or the sink.

3. Install a Water-Efficient Toilet

Estimated Time: One hour
Estimated Cost: $200 or more

EPA estimates that a family of four that replaces a home's older toilets with WaterSense-labeled models will, on average, can save more than $90 annually on their water bill and $2,000 over the toilet's lifetime.

Concerned about performance? Read the rave reviews of the American Standard Cadet 3 high-efficiency toilet ($198) at Home Depot. For example, "... easy to install and flushes like no tomorrow. You hit that handle, your problems disappear." For how to install tips Bob Vila can help you. If you still don't feel comfortable, you can always hire a contractor for about $150.

4. Switch to CFLs

Estimated Time: 15 minutes
Estimated Cost: $2 to $15 for specialty bulbs

As the days get shorter, you'll keep on the lights longer. Now's a good time to switch from traditional incandescent light bulbs to compact fluorescent bulbs (CFLs). Energy-Star qualified CFLs use 75% less energy and last up to 10 times longer than incandescents.

Start with your five most frequently used fixtures and you can save more than $65 annually. Don't forget about your hardest-to-reach locations, too. Don't want to climb a ladder? Use the Bayco 11-foot Light Bulb Changer ($20).

5. Install a Programmable Thermostat

Estimated Time: A half hour
Estimated Cost: $25 to $250

With a programmable thermostat you can preset temperatures for your home that will automatically reduce heating and cooling when you don't need it as much. Energy Star says an average household can save about $180 annually on their energy bills by properly setting their programmable thermostat and maintaining those settings.

This is a low-voltage wiring installation that will involve 2 to 10 wires. If you don't feel comfortable following the instructions, a heating-and-air-conditioning contractor will probably charge you $75 to $150 for installation

6. Build or Install an Insulated Attic Hatch

Estimated Time: Several hours
Estimated Cost: $30 if DIY; $30 to $240 for ready-made models

If your attic entry is uninsulated your home gains heat in summer and loses it in winter, jacking up your energy bills.

You also have your choice of several, ready-made products. Check out: Battic Door Home Energy Conservation Products, The Energy Guardian Kits, the Attic Tent and the Draft Cap.

7. Stop Chimney Drafts

Estimated Time: 15 minutes
Estimated Cost: $55 for ready-made draftstopper

Even with the damper closed, in winter your home's heated air goes up the chimney and in summer hot outdoor air comes down. When you're not using it your fireplace, plug the flue with a chimney balloon like the Draftstopper from Battic Door Energy Conservation Products.

For a really cheap alternative, you can make one out of an old seat cushion or a pillow placed in a heavy plastic bag. Stuff the cushion into the flue and tie a long tail to it, so you don't forget about it the next time you make a fire.

8. Drain Sediment From Your Water Heater

Estimated Time: 15 minutes
Estimated Cost: $0

To ensure your water heater's performance and longevity, drain it annually to get rid of accumulated sediment -- sand, minerals or other non-soluble stuff that settles at the bottom of the tank. A good tip-off that you need to do this? The heater sounds like a coffee pot, making bubbling or burping noises.

The basic strategy: Attach a garden hose to the drain valve at the bottom of the rank and run it outdoors or to a utility tub.

9. Replace Your Washing Machine Hoses

Estimated Time: 10 minutes
Estimated Cost: $10 to $20

Washing machine hoses don't last forever, regardless of the material they're made from -- reinforced rubber of stainless-steel reinforced (even those touted as "burst-proof"). A broken one can deluge your home with hundreds of gallons of water per hour, and your homeowners insurance probably won't cover the flood.

Check the hoses frequently for rusting, bulging, cracking, fraying and leaks -- signs that you should replace the hoses now. Otherwise, State Farm recommends that you replace them every three to five years. While you're at it, check the hoses leading to water heaters, dishwashers and refrigerator icemakers.

10. Add Insulating Window Treatments

Estimated Time: One hour for drapes; half hour per blind
Estimated Cost: $30 to $200 and up

You can increase your comfort and cut your energy bills this winter with thermal window coverings. Duette Architella honeycomb shades, by Hunter Douglas (from $202 per blind), is the only window covering that qualifies for the federal energy-efficiency tax credit of 30% of the cost, up to a maximum of $1,500, if you install them before December 31. The shade more than doubles the insulating value of a double-paned, low E window (when "inside mounted" and fully recessed within the window casement).

Other options: Country Curtains sells foam-backed thermal curtains and insulated liners that you can hang behind your existing curtains with heavy-duty double rods that hold curtain and liner.

Saturday, July 10, 2010

10 Brands That May Disappear in 2011

24/7 Wall St. regularly compiles a report of brands that are likely to disappear in the near-term. Last April, and again in December, we published our findings. Usually, it would take a full year before such a list could be compiled again. However, the current economic climate has accelerated this process and a majority of the brands on the first two lists are either gone, have been acquired, or have filed for bankruptcy.

With a number of the brands on the December list either gone or on a short-term path to extinction, 24/7 Wall St. has put together the latest version of the Ten Brands That Will Disappear. To qualify, we expect that brand to be gone by the end of 2011, or for its parent to be sold or go into Chapter 11.




Reader's Digest was once the most widely read magazine in the world. According to the company, it still may be when its overseas editions are taken into account. Last August, the company took its U.S. operations into Chapter 11 to decrease debt. It emerged from bankruptcy in February with $525 million in exit financing. The company cut the number of issues it publishes a year from 12 to 10 last year. It also cut its circulation guarantee for advertisers to 5.5 million copies from 8 million. It would have been unthinkable just a few years ago that a magazine as old and famous as Reader's Digest would be shuttered. However, Reader's Digest as it is known in the U.S. will be gone.

Blockbuster was the national leader in the video rental business for nearly two decades. Now it is contemplating Chapter 11 to eliminate debt. The company lost $65 million last quarter. Its revenue continues to fall rapidly as firms such as Redbox and NetFlix (Nasdaq: NFLX - News) siphon off its revenue. Blockbuster has more than 6,000 stores, so it is hard to imagine that the company could disappear. But, there is some precedent, even if it is on a smaller scale. Blockbuster rival Movie Gallery said in February that it would close all of its 2,400 U.S. stores. Blockbuster's model of renting movies through physical locations has been destroyed by cable and satellite video on demand, DVDs via mail and dispensing machines. Blockbuster may still be around as a company that has movie kiosks and a small mail and Internet-delivered content business. But its brick and-mortar business is dead.

Dollar Thrifty Automotive Group, the car rental company, is for sale. Hertz (NYSE: HTZ - News) is a potential buyer, as is Avis Budget (NYSE: CAR - News). Each of the larger car rental firms would use the Dollar Thrifty business to expand their market share. That does not mean that they would keep the brand. The current company is not much of a business. It made only $27 million last quarter on revenue of $348 million. It has more than $1.5 billion in "debt and other obligations." The number of vehicles that Dollar Thrifty operates at any one time is only 95,000 compared to 420,000 for Hertz. The firm's customer base and some of its locations may be valuable, but Dollar Thrifty can't compete with Avis and Hertz. A decade ago, the car rental industry was able to support six independent brands. A significant drop in business and leisure travel and sharp competition among the companies has already caused the creation of Avis Budget. Dollar Thrifty will be the next casualty of the industry's consolidation.


T-Mobile, the U.S. wireless provider, is owned by telecom giant Deutsche Telekom (DTEGY.PK - News). It is the No.4 cellular company in an American market that only supports two really successful firms -- AT&T Wireless and Verizon Wireless. Even the third-largest company in the market -- Sprint-Nextel (NYSE: S - News) -- has 50 million customers. T-Mobile had 34 million customers at the end of last year. T-Mobile only had a profit of $306 million in 2009. That was down from $483 million in 2008. T-Mobile not only faces three larger competitors, it also has to begin to offer 4G service to compete with Sprint's new WiMax service and LTE-based products from AT&T (NYSE: T - News) and Verizon (NYSE: VZ - News). T-Mobile may seek a partner to offer a 4G network, but there are no super-fast broadband networks likely to be finished before its three rivals offer the service. As it now stands, T-Mobile has no future in the U.S. A merger with Sprint-Nextel has been mentioned several times. The combined company would have a customer base about the same size as AT&T or Verizon. And the transaction would probably make Deutsche Telekom a large owner of the combined operation. Another alternative would be a merger with Virgin Mobile. Maybe Deutsche Telekom will just change the firm's name.

Moody's Corp. may have the name with the largest negative brand equity in the U.S. Scandals about the company's rating of mortgage-backed securities and allegations that the firm compromised it ratings process to get business have ruined the company's image. Moody's is more than 100 years old, but the reputation it built over those years is irretrievably lost. There is a chance Moody's could be ruined by civil actions, four of which are pending, and by charges brought by the U.S. government. Overseas authorities may bring a number of actions against the company as well. Moody's activities are almost certainly to be more regulated, which will squeeze margins and hurt sales. Moody's may end up selling its accounts to a new rating company, which would probably hire many of its employees. Pacific Investment Management Co. and other institutional investors have talked about taking on some if not all the roles that the current rating firms play. Research houses like Alliance Bernstein (NYSE: AB - News) could also take on some of those rolls. Part of Moody's operation may stay alive, but there is not much left to salvage in the brand.

BP: The case against the BP brand is not so much that the company will enter bankruptcy. It is that BP may end up breaking into pieces for its own sake. This may be to put the liabilities for the Deepwater Horizon spill into a company that also holds escrow capital to cover the huge costs of clean-up and suits. BP may also want to separate its successful refining operations from its exploration business, or recreate an American- based company similar to BP America, which existed for two decades. A restructuring of BP would also allow the firm to take a badly crippled brand and give the oil operation a new name -- much as it did when it changed its name from British Petroleum. The second time may be the charm.

RadioShack is one of the oldest retailers in the U.S. It was founded in 1921 and in the early 1960s was purchased by Tandy Corp. The Tandy name was used for some of Radio Shack's retail stores. RadioShack is currently a takeover target. There have been rumors that the company may be taken private via a leveraged buyout or purchased by Best Buy (NYSE: BBY - News), probably for its locations. Best Buy would certainly not keep the RadioShack brand because it is considered downscale and does not have the reputation for quality products and service that Best Buy enjoys. RadioShack has already begun to rebrand itself as "The Shack," an indication that it knows the older brand is a burden.

Zale Corp. was founded in 1924 by the Zale brothers. It was one of the earliest retailers to offer the ability to buy items on credit. By 1980, Zale had revenue of over $1 billion. In 1992, Zale filed for bankruptcy and by the end of that decade, its revenue was $1.3 billion -- about the same as it is today. Zale has been at death's door for some time. Its market value is down to $48 million. The company is trying to turn itself around, but most experts are not convinced. The company recently made the Forbes list for firms with extreme financial risk. In the last quarter, the retailer lost $12 million on revenue of $360 million. Zale is also in a very crowded market that includes retailers as large as Wal-Mart (NYSE: WMT - News). Golden Gate Capital recently put money into Zale to buy it time. New money may defer the point at which Zale goes under, but it won't prevent it.

Merrill Lynch may have been acquired, but that will not keep it safe. In fact, quite the opposite is true. Banks and other large financial services firms have a habit of buying large retail brokerage houses and then changing their names. Shearson is gone. So is EF Hutton and Prudential. In most cases the parent company wants to put their own names on the door. That is very likely to happen to Merrill Lynch, which was at one point the largest full-service broker in the U.S. Merrill is now owned by Bank of America Corp. (NYSE: BAC - News), and the buyout spawned a number of scandals that kept Merrill's name in the paper for weeks and did a great deal to harm its name with customers. Bank of America will follow a time honored tradition, and Merrill Lynch will become BofA Investment Management.

Kia Motors Corp. is one of the two car brands of Hyundai of South Korea. It has always been a marginal brand. Its stable mate, Hyundai USA, has a reputation for high quality cars like the Sonata and Genesis. Kia sells "low rent" cars and SUV nameplates like the Sorento and Rio. As GM and Ford (NYSE: F - News) have already discovered, it is expensive to maintain multiple brands and storied car names, including Pontiac, Saturn and Mercury, are disappearing. Most Kia cars sell for $14,000 to $25,000. Hyundai has several cars in the same price range. Hyundai's Sonata has quickly become one of the best-selling cars in America, and its Genesis flagship model competes with mid-sized BMWs and Mercedes. The parent company will take a page from several other global car companies and dump its weakest brand.