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Sunday 27 May 2012

To good health


1. Easiest form of exercise You can cycle almost anywhere, be it the great outdoors or the streets. The best part about cycling is that it has only one prerequisite – you should know how to ride a cycle. No team members, no skill sets, no gymming. Cycling also doesn’t cost you a fortune. One good cycle and you’re good to go for a couple of years at the very least.

2. Cardio-vascular fitness Cycling is a great way to give your heart that much needed workout. Steady cycling makes your heart pump faster and at a steady rate. This is very good for strengthening the heart. The lungs also benefit greatly from cycling. It has been known to significantly reduce the risk of coronary diseases, if done regularly.

3. Stamina Cycling a few miles every day on a regular basis is a great way to build stamina. It is easier to build stamina by cycling, as you never know when you may end up cycling more as compared to the last time.

4. Muscle tone Your leg muscles are going to get a serious work over with regular cycling. It works wonders for your calves, quads, hams, hips and your rear end. It is great for toning and building these muscle sets. The main benefit over other forms of exercise – for these muscle sets – is that cycling has minimum impact on the joints, for those people who may have joint problems.

5. Reduce weight An excellent way to burn those calories and pull down that flab would be to get on a cycle as soon as possible. It is a great way to get rid of an increased waistline and excessive fat. A person weighing around 75kg can burn more than 600 calories with an hour’s cycling. Cycle uphill and you’ll burn even more.

6. Eco-friendly If your workplace is close to your house, then it would be best to make a habit of cycling to and fro every day. Not only will this keep you in shape, but you can also do your own bit towards using lesser fuel and keeping the air pollution free.

7. Physical and mental health The physical activity involved helps in keeping your immune system healthy, and also keeps the mind fresh and relaxed. Cycling outdoors is a great way to give the body much needed fresh air, which helps keep stress at bay.

Do yourselves a favour and get onto a real cycle, the one that moves about when you push the pedal. The stationary cycle found at your gym certainly does you good, but it also robs you of the opportunity to explore new places on your bike and breathe in some fresh air. So get out there in the open and pedal away to good health. 

Causes of Depression


Surprising Causes of Depression

Why am I depressed?

There are many well-known depression triggers: Trauma, grief, financial troubles, and unemployment are just a few. But if you are depressed and none of these apply to you, it can be hard to pinpoint a specific cause. 
In truth, there may not be a concrete reason for your depression. But here are some little-known causes to consider.

Poor sleep habits

It's no surprise that sleep deprivation can lead to irritability, but it could also increase the risk of depression. 
A 2007 study found that when healthy participants were deprived of sleep, they had greater brain activity after viewing upsetting images than their well-rested counterparts, which is similar to the reaction that depressed patients have, noted one of the study authors. 
"If you don't sleep, you don't have time to replenish [brain cells], the brain stops functioning well, and one of the many factors that could lead to is depression," says Matthew Edlund, MD, director of the Center for Circadian Medicine, in Sarasota, Fla., and author of The Power of Rest.

Smoking

Smoking has long been linked with depression, though it's a chicken-or-egg scenario: People who are depression-prone may be more likely to take up 
the habit. 
However, nicotine is known to affect neurotransmitter activity in the brain, resulting in higher levels of dopamine and serotonin (which is also the mechanism of action for antidepressant drugs). 
This may explain the addictive nature of the drug, and the mood swings that come with withdrawal, as well as why depression is associated with smoking cessation. Avoiding cigarettes—and staying smoke free—could help balance your brain chemicals.

Thyroid disease

When the thyroid, a butterfly-shaped gland in the neck, doesn't produce enough thyroid hormone, it's known as hypothyroidism, and depression is one of its symptoms. This hormone is multifunctional, but one of its main tasks is to act as a neurotransmitter and regulate serotonin levels. If you experience new depression symptoms—particularly along with cold sensitivity, constipation, and fatigue—a thyroid test couldn't hurt. Hypothyroidism is treatable with medication. 

Facebook overload

Spending too much time in chat rooms and on social-networking sites? A number of studies now suggest that this can be associated with depression, particularly in teens and preteens. Internet addicts may struggle with real-life human interaction and a lack of companionship, and they may have an unrealistic view of the world. Some experts even call it "Facebook depression." 
In a 2010 study, researchers found that about 1.2% of people ages 16 to 51 spent an inordinate amount of time online, and that they had a higher rate of moderate to severe depression. However, the researchers noted that it is not clear if Internet overuse leads to depression or if depressed people are more likely to use the Internet.

End of a TV show or movie

When something important comes to an end, like a TV show, movie, or a big home renovation, it can trigger depression in some people. In 2009, some Avatar fans reported feeling depressed and even suicidal because the movie's fictional world wasn't real. There was a similar reaction to the final installments of the Harry Potter movies. 
"People experience distress when they're watching primarily for companionship," said Emily Moyer-Gusé, PhD, assistant professor of communication at Ohio State University, in Columbus. With Avatar, Moyer-Gusé suspects people were "swept up in a narrative forgetting about real life and [their] own problems."

Where you live

You can endlessly debate whether city or country life is better. But research has found that people living in urban settings do have a 39% higher risk of mood disorders than those in rural regions. A 2011 study in the journal Nature offers an explanation for this trend: City dwellers have more activity in the part of the brain that regulates stress. And higher levels of stress could lead to psychotic disorders. 
Depression rates also vary by country and state. Some states have higher rates of depression and affluent nations having higher rates than low-income nations. Even altitude may play a role, with suicide risk going up with altitude.

Too many choices

The sheer number of options available—whether it's face cream, breakfast cereal, or appliances—can be overwhelming. That's not a problem for shoppers who pick the first thing that meets their needs, according to some psychologists. However, some people respond to choice overload by maximizing, or exhaustively reviewing their options in the search for the very best item. Research suggests that this coping style is linked to perfectionism and depression.

Lack of fish in the diet

Low intake of omega-3 fatty acids, found in salmon and vegetable oils, may be associated with a greater risk of depression. A 2004 Finnish study found an association between eating less fish and depression in women, but not in men. These fatty acids regulate neurotransmitters like serotonin, which could explain the link. Fish oil supplements may work too; at least one study found they helped depression in people with bipolar disorder.

Poor sibling relationships

Although unhappy relationships with anyone can cause depression, a 2007 study in the American Journal of Psychiatry found that men who didn't get along with their siblings before age 20 were more likely to be depressed later in life than those who did. Although it's not clear what's so significant about sibling relationships (the same wasn't true for relationships with parents), researchers suggest that they could help children develop the ability to relate with peers and socialize. Regardless of the reason, too much squabbling is associated with a greater risk of developing depression before age 50.

Birth control pills

Like any medication, the Pill can have side effects. Oral contraceptives contain a synthetic version of progesterone, which studies suggest can lead to depression in some women. The reason is still unknown, says Hilda Hutcherson, MD, clinical professor of obstetrics and gynecology at Columbia University, in New York. "It doesn't happen to everyone, but if women have a history of depression or are prone to depression, they have an increased chance of experiencing depression symptoms while taking birth control pills," Dr. Hutcherson says. "Some women just can't take the Pill; that's when we start looking into alternative contraception, like a diaphragm, which doesn't contain hormones."

Rx medications

Depression is a side effect of many medications. For example, Accutane and its generic version (isotretinoin) are prescribed to clear up severe acne, but depression and suicidal thoughts are a potential risk for some people. Depression is a possible side effect for anxiety and insomnia drugs, including Valium and Xanax; Lopressor, prescribed to treat high blood pressure; cholesterol-lowering drugs including Lipitor; and Premarin for menopausal symptoms. Read the potential side effects when you take a new medication, and always check with your doctor to see if you might be at risk.

Summer weather

Seasonal affective disorder (SAD) is most commonly associated with winter blues, and it afflicts about 5% of Americans. 
But for less than 1% of those people, this form of depression strikes in the summer. Warm weather depression arises when the body experiences a "delay adjusting to new seasons," says Alfred Lewy, MD, professor of psychiatry at Oregon Health and Science University, in Portland. 
Instead of waking and enjoying dawn, the body has a hard time adjusting, he says, which could be due to imbalances in brain chemistry and the hormone melatonin.

Hottest Princesses


Hottest Princesses in the world
There are many other princesses around the world, who are equally worthy of people's affection and admiration. Handpicked from scores of princesses across the globe, here is our pick of the world's top 10 hottest princesses.


1. Charlotte Casiraghi

Of: Monaco

Age: 25

Charlotte Casiraghi is the daughter of Princess Caroline of Hanover and Hereditary Princess of Monaco and Lt. Stefano Casiraghi. So striking are her looks that she instantly reminds people of her maternal grandmother, the legendary Grace Kelly. She almost matches the elegance and beauty that Grace Kelly was famous for. Charlotte, who is fourth in line of succession to the throne of Monaco, served as the editor of 'Above', a luxury magazine in London, and is reportedly very close to celebrated fashion designers Karl Lagerfeld and Valentino, which explains her very fashion forward appearances at various events.

2. Princess Haya

Of: Dubai / Jordan

Age: 37

Princess Haya, wife of Sheikh Mohammed bin Rashid Al Maktoum, of Dubai, is the daughter of Lt. King Hussein I of Jordan. Also called Sheikha Haya of Dubai, she is quite a multi-talented individual and has quite an exhaustive list of achievements. She is an athlete and has participated in a number of sporting events, is the President of the International Jordanian Athletes Cultural Association and the International Equestrian Federation, and is also engaged in a number of humanitarian activities. One look at her and one can easily tell how fashionable she is. In fact, she is one of the most fashionable women in the list despite being one of the oldest.

3. Princess Madeleine

Of: Sweden

Age: 29

The gorgeous looking Princess of Sweden is fourth in the line of succession to the throne of Sweden, behind her two siblings Princess Victoria and Prince Carl Philip and her niece Princess Estelle. Princess Madeleine had been engaged to her lawyer boyfriend of 7 years, Jonas Bergström in 2009 but was called off the year following reports that Bergström had cheated on her with a college student. The Princess has since moved to New York City and is in a relationship with Chris O'Neil, a financier by profession.

4. Princess Alexandra

Of: Luxembourg

Age: 21

The young Princess Alexandra is one of five children and the only daughter of Grand Duchess Maria Teresa and Grand Duke Henri of Luxembourg. She has moved up to be third in line of succession after one of her older brothers, Prince Louis gave up his place. Princess Alexandra has been in the limelight since a very young age. Like many other princesses on the list, Princess Alexandra also has an inclination towards sports like tennis, skiing, swimming as well as dancing.

5. Princess Letizia 

Of: Spain

Age: 39 

Another commoner-turned-princess Princess Letizia is one who can make jaws drop with her amazing sense of style. Before her marriage to Felipe, Prince of Asturias, she was a journalist and had also been previously married to a school teacher for a year. She gave birth to two daughters, Infanta Leonor and Infanta Sofia in 2005 and 2007 respectively. Princess Letizia not only fulfills all her responsibilities extremely well but also makes sure she puts her most fashionable foot forward.

6. Princess Charlene Wittstock

Of: Monaco

Age: 34

She has often been called 'the reluctant princess' owing to all the reports of her trying to flee to South Africa just days before her wedding amongst many others. Charlene Wittstock became Her Serene Highness The Princess of Monaco upon her marriage to Albert II, Prince of Monaco son of Prince Rainier III and Grace Kelly. The former Olympic swimmer has now transformed into a poised royal who carries her duties with utmost dedication and responsibility.

7. Princess Sirivannavari

Of: Thailand

Age: 25

The only daughter of the Crown Prince Maha Vajralongkorn, Princess Sirivannavari Nariratana clearly has a lot of responsibilities on her petite shoulders. Princess Sirivannavari was brought back to Thailand from UK after the separation of her parents and was given the royal title upon the command of King Bhumibol Adulyadej. Currently studying fashion and textile in the Faculty of Fine and Applied Art, she got a chance to showcase her fashion designs in Paris, thanks to an invitation from French couturier Pierre Balmain.The show received rave reviews and has clearly helped her establish herself as one of the most fashionable royals of recent times.

8. Princess Theodora

Of: Greece and Denmark

Age: 28

Princess Theodora is the offspring of the former King of Greece Constantine II and Anne Marie of Denmark, and elder sister to Prince Phillipos. Though Greek monarchy has been abolished she still holds the royal title- Her Royal Highness Princess Theodora of Greece and Denmark. The princess is apparently fond of being under the spotlight as she even made her acting debut in 'The Bold and the Beautiful'. Whether or not the acting bug stays with her, the limelight definitely will.

9. Princess Sonam Dechen Wangchuck

Of: Bhutan

Age: 30

Princess Sonam Dechen Wangchuck, Bhutan's 4th King Jigme Singye Wangchuck's daughter, is a perfect blend of grace and intellect. Armed with a degree in international relations and a Masters in law from Stanford and Harvard Law School. Princess Sonam is currently the President of the Bhutan National Legal Institute under the Judiciary of the Kingdom of Bhutan. Her husband Dashu Phub W. Dorji, is equally well read and works in the Finance Ministry.

10. Zara Phillips

Of: Great Britain

Age: 30

Queen Elizabeth's eldest grand-daughter is the apple of everyone's eye. Princess Anne and Captain Mark Phillips' only daughter is 14th in the line of succession. The daughter of the Princess Royal has always excelled in sports and is an accomplished equestrian just like her parents. She married Mike Tindall, national rugby union player in July 2011. 

Healthy Foods


Healthy Foods that Keep You Full

Hunger pangs remain the biggest deterrent to our calorie-limiting schedules, making it hard to lose those unwanted pounds. However, if you can eat healthy, non-fattening foods that keep you feeling fuller for a longer time, chances are that you will snack less through the day. Some of the healthier food choices that help to sustain the fuller feeling and prevent hunger pangs have been listed below:

Eggs for Breakfast: Eggs are the perfect breakfast time. For starters, eggs are loaded with protein which needs a longer time to get fully digested. Two eggs, when eaten in the boiled or omelet form, comprise a healthy breakfast, of course, along with a few slices of whole grain bread. This combination of protein and complex carbohydrates helps to prevent spikes in blood sugar levels and keeps the digestive system engaged for a longer period, preventing you from feeling 
hungry soon.

Soups for Midday Meals: Some cultures suggest that soups are appetizers. However, this doesn’t need to be true if you consume more than average amount of soup and that too, the natural variety, consisting of lots of vegetables. Eating or sipping upon soup induces the feeling parallel to having a two-course meal. This helps the brain in perceiving that you are going through a proper meal. Around two bowls of vegetable soup to which some spicy condiments have been added are perfect for keeping you satiated for at least a few hours. The water content of soups ensures that you feel a bit heavy. However, this isn't the kind of heaviness associated with overeating. Fiber-rich soups, like those made from spinach, are particularly good for 
this cause.

Whole Grains for All Major Meals: Eating whole wheat or multi-grain bread or rotis is recommended since complex carbohydrates release glucose slowly. Slower release of glucose means that sugar levels are kept at a constant. Since there are no spikes or dips in sugar levels, there is lesser chance of being hit by a sugar craving. Further, whole grains are among the best sources of various types 
of Vitamin B.

Citrus Fruits: Citrus fruits, like lemon, guavas and grapes, are rich in vitamin C and fiber. While fiber helps to keep the intestines busy for a longer time, the high concentration of vitamin C is used for the body’s fat burning processes. Vitamin C is also required for stimulating formation of critical amino acids like Carnitine. This tends to fasten the body’s metabolism, ensuring that metabolic processes are kept busy, helping to overcome the hunger pangs. The high water content in most citrus fruits induces that typical, feeling of being quenched, which delays feeling hungry, again.

Low-Fat Yogurt Anytime of the Day: Yogurt or the humble Dahi, made from low-fat milk, is the perfect, around-the-clock kind of food. For starters, the low-fat variety too has a certain degree of creaminess to it. This tends to coat your tonsils, inducing the feeling of having eaten something substantial. Yogurt also induces a unique kind of aftertaste that turns-off the temptation to eat something else for some time. Further, yogurt provides the much needed dosage of healthy bacteria for better digestion and calcium for 
stronger bones.

The Anytime Wonder—Oatmeal: Oatmeal is among the most recommended of complex carbohydrate options that helps to keep you fuller without inducing a calorie overload. It can be eaten for breakfast or lunch. It takes the digestive system much longer to break down the complex fiber present within oatmeal. This helps to regulate the insulin levels, keeping you satiated for a longer time. Boiled oatmeal mixed with yogurt is the perfect, low-calorie choice that can keep you fuller for many hours.

Green Veggies: Some veggies have a very high concentration of soluble and insoluble fiber along with having a thermic effect. This refers to the overall effort exerted by the body in digesting foods. While proteins have a very high thermic effect, veggies like Spinach too have a high thermic value. When the metabolic processes are busy, trying to digest such foods, the tendency to feel hungry is automatically reduced. Further, more calories are burned in digesting such foods, which means they contribute to your weight-management goals! The idea is here to use Food itself as a tool for eating lesser, burning more calories and remaining healthier. 

To give your bedroom


Ways to give your bedroom a sex makeover

RealBuzz

If you want better sex more often you need to give your bedroom a sex makeover. Follow these five simple steps and you can sass up your sex life today:
If you want better sex more often you need to give your bedroom a sex makeover. Follow these five simple steps and you can sass up your 
sex life today:

Bedroom sex makeover step 1: 
buy a lock
How can you get down and dirty if you can’t let loose? To ditch the muffled love sessions you need to buy a lock for your bedroom. If you don’t want to damage your doorway you can buy temporary bedroom locks. Or if you are prepared to commit to your new, barricaded boudoir you can opt for a mortice latch. These locks are perfect for internal doors and are relatively cheap. Plus you can still use your handle.  Once you’re safe in the knowledge that no-one will walk in when you are in some of your most intimate positions, you’ll be able to venture above the sheets and explore some more exotic positions. 
Bedroom sex makeover step 2: 
get the scent
To make your bedroom perfect for sex you need to think about how it smells. Smell is one of the most powerful senses and if you can get your room smelling seductive your chance of getting more sex will increase massively. To turn guys on, you should invest in some vanilla scented candles. Vanilla is a natural libido booster, which calms men and reduces their inhibitions. Light the candles at least 15 minutes before you go to bed to make sure that the room is fully scented. To turn your lady on, you should look to buy calming scents, like lavender. By de-stressing your girl, you will ensure that the stress hormone, cortisol, is reduced. This hormone is terrible for your love life as it lowers women’s libidos. So beat the stress and calm your girl with a lavender linen spray applied to your sheets and pillows.
Bedroom sex makeover step 3: 
get that vacation feeling
When you’re on vacation, how good is sex? It’s hot, it’s wild and it’s carefree. To recapture some of that magic, surprise your partner by changing your room around every few months. You can make simple changes, like buying new sheets, or big changes like changing the position of your bed. You could also add new furniture to your room. For example, take a dining room chair and add a cushion that matches your bedroom decor. Then, rather than having sex in your bed, move your night time session onto the chair. You can also buy “sex blankets”; fabrics that are silky and soft, yet have inner moisture barriers to absorb any liquid. These sensuous touches will vamp up your bedroom and make your sex better.
Bedroom sex makeover step 4: 
dim the lights
Even Scarlett Johansson wouldn’t look sexy in bright, brash lighting. Create an intimate and flattering light by investing in a dimmer light fitting or a lamp. If you’re on a budget you can simply paint a light bulb using pink or red nail varnish. This will cast your room in a warm, sexy glow. To take your lighting one step further, you may want to shop for an orange bulb as well. Researchers at the University of South Carolina found that amber lighting helps boost female arousal levels. This is because orange lighting increases women’s nitric oxide levels, which causes blood vessels to dilate and more blood to pump through the body. 
Bedroom sex makeover step 5: 
go gadget free
Although snuggling under the covers whilst watching your favourite show can seem romantic, the experts suggest your bedroom should be a gadget free zone. It is thought that too much tech can distract you and your partner so that you either don’t have much sex at all, or when you do have sex, you are not focused. To reconnect to your guy or girl relocate your TV, phone and computer. If you use your phone as your alarm, buy an alarm clock instead.  To turn up the intimacy levels a notch further, when having sex try to look directly into your partner’s eyes for at least one minute.

'May help tackle diabetes'


New drug mix 'may help tackle diabetes'
By ANI | ANI

From London (ANI): In a new study, scientists have revealed that they are a step closer to curing diabetes after discovering how a potent two-pronged attack on diabetes can wipe it out.

Natural Remedies for Diabetes

Diabetes is among the most debilitating of lifestyle diseases, often the precursor to many other types of health disorders such as obesity, cardiovascular diseases and chronic illnesses of the eye. ... more 
 Researchers of the study found that a powerful "combination therapy" can tackle the condition, even at a late stage.
Around 370,000 Britons have Type 1 diabetes, which develops when immune cells in the body attack and destroy beta cells in the pancreas leaving it unable to produce insulin, the hormone which controls blood sugar levels.
The researchers in California found they can reverse the process by quickly shutting down this "autoimmune" attack on beta cells before feeding the pancreas growth factor molecules.
However, tests have been carried out only on mice.
"The findings hint that people with late-stage diabetes could potentially be cured with a mix of two techniques that spur re-growth of pancreatic cells while stopping autoimmunity," the Daily Express quoted the researchers as saying.
Type 1 diabetes can develop at any age but usually appears before the patient is 40, especially in childhood.
It is important that laboratory-based research like this is conducted, and that it is followed up, but the many years and many obstacles which lie between this point and any possible use in people mean that we should not get too excited at this stage
The study by a team at the Beckman Research Institute of City of Hope in Duarte, California showed the combination treatment lets new beta cells fully regenerate and produce insulin without a risk of being depleted by the immune system.
The researchers said that more studies are needed to see if the technique can work on humans.
"This paper provides insight into techniques which may be used in combination to regenerate and protect insulin producing beta cells," Matthew Hobbs, head of research for Diabetes UK, said.
"However, it is extremely important to realise that these two techniques have so far only been tested in mice, either individually or in combination.It is important that laboratory-based research like this is conducted, and that it is followed up, but the many years and many obstacles which lie between this point and any possible use in people mean that we should not get too excited at this stage. Certainly, it is far too early to hail this as a cure for Type 1 diabetes," he added.
The study has been published in the journal Science Trans-lational Medicine. (ANI)

To make good money


The other way to make good money

By Outlook Money

By Radhika Gupta 


With increasing income, investments other than equity, fixed income and gold are gaining popularity, especially with high net worth individuals. The reason they look at alternative and exotic investments is diversification and increasing returns. While alternative investments also have the potential for substantial capital appreciation, often in excess of traditional investments, they have a larger probability of collapsing too, increasing the risk. However, some alternatives, such as commodities can hedge your portfolio in a market crisis.
 ALTERNATIVE OPTIONS
While almost anything that has tangible value can qualify for an alternative investment, a couple of ideas have become very popular among investors in the last 10 years.
Private equity funds are one of the most popular alternatives in India, with hundreds of domestic and foreign funds available to the Indian investor. PE funds are essentially a pooled vehicle for investing in unlisted emerging companies that have substantial growth potential, as opposed to mutual funds that invested in listed and more mature companies. PE funds take large stakes in their companies and often play an operational role and bear higher risk than equity mutual funds. Because of the additional risk, they should provide substantial additional return, 25-30 per cent a year, where listed equities return 15-20 per cent. Among financial assets, hedge funds—alternative strategies that use instruments such as commodities, currencies and equity derivatives to generate returns uncorrelated to the market—are also now finding favour in India. Film funds are also another unique asset class—pooled vehicles investing in selected film projects—and a number have already been launched and gained investor traction.
Among physical assets, wine is an asset that has been recognised as an asset class of its own, with the London International Viners Exchange setting up a benchmark for wine that tracks the top 100 wines. Wine, either bought as individual bottles and stored in cellars, or in the form of wine funds managed by a professional (available in the US and UK), has typically returned 10-15 per cent annually over the years, comparable to the performance of global equities. The return of course has varied greatly by fund and bottle vintage. A broader asset class of collectibles, such as stamps and coins, has also found favour with investors. Coin investing—picking up rare coins from around the world that have unique aesthetic value and will appreciate—is popular as investors look at coins in gold, silver, and other precious metals. Stamp collecting—collecting postage stamps that will appreciate over a 15-plus year period, has a 100-plus year history as a collectible asset class, with well-known strategies for stamp investing. Art—whether collected in individual form as unique paintings or sculptures, or in a pooled vehicle as a fund—has also caught on with investors, although the launch of the first art fund in India (Osian's fund by Neville Tuli) had left investors with a bitter taste.
THE RISKS OF ALTERNATIVES
Exotic investing is high on risk. For one, most physical and financial alternative asset classes are illiquid. It is virtually impossible to get your funds if (a) you suddenly need the money, or (b) there is a market crisis and the investment is not performing in the interim. Pooled vehicles have experienced this first hand; Osian's art fund eventually shut down for this reason.
Holding costs are also a challenge for physical assets. Wine, stamps, coins and art when bought in an individual capacity (rather than a fund structure) do not live in demat and fund form, and your inventories can quickly build up. Storage costs are non-trivial, and storage quality is very important. The right storage can make all the price difference for two wine bottles after a 15-year period.
Valuations and the lack of transparency in them is also a difficult issue with exotics. Unlike equities and commodities that have tradable prices, wine bottles, sculptures and two year old tech companies don't list on the NSE and, typically, bias gets in the way of their valuation. Moreover, there are no known benchmark like the Nifty to measure performance.
Finally, what influences the prices of these products is ultimately out of our hands. The coin market, for instance, can be drastically affected by the government's coinage policies—stopping putting silver in coinage or changing mintage policies—which we may have 
no idea about!

REGULATION OR THE LACK OF IT
One of the biggest challenges with alternatives is the lack of regulation around the asset class. Financial investments such as private equity funds, for instance, are regulated under the Sebi Venture Capital Regulations or the Portfolio Manager Regulations, as are some hedge fund-like products, but reporting standards are hazy at best.
The proposed Sebi Alternative Investment Fund regulations is likely to correct many of the problems and create clear structures for PE/VC/Hedge Fund investing.
The situation for physical asset classes is even more complex. Like Osian's now-defunct art fund, wine funds and stamp funds, too, are completely unregulated. Besides the problem with both financial assets, such as PE funds, and physical assets, such as wine, the underlying asset (not the fund) is also not regulated. In these, you are really investing on faith!
SHOULD YOU INVEST?
With all the risks and rewards known, should you invest in exotics? As usual, it depends your investment sophistication. If you have not covered basic asset classes such as equities, debt and commodities, it is too early to start thinking alternatives. However, if you have got the basics in place, you should start, with a couple of caveats in mind.
The most important is start small. Only invest what is purely excess risk capital that can be tied up at least for 5-plus years (don't expect multibaggers in two years) and with which you can take serious risks. Finally, alternatives should be no more than 5-10 per cent of your total portfolio.
INVESTMENT PLANS
As with a traditional investment, it is important to have a strategy and do the right due diligence.
Focus on quality. Wine, art, stamps and unlisted companies are already so exotic that, within this pool, one should focus on quality. Invest in a few quality assets, particularly if you are buying in the physical form as a large numbers of assets add to storage costs and pare returns. Stay clued into the investment market. With physical assets, find the right storage options.
Buy from reputed dealers, agents and distributors. With financial assets, ask the private banker for all the due diligence and with a physical product, do a check on ethics, past history and track record. Beware of large upfront fees, and check the prices and commissions. If it seems too high or too low, there is probably an issue. Portals for wines, stamps and collectibles can give you an idea of prices.
When choosing a fund, look at its track record, particularly during tough times. Check how carefully 
performance is calculated and ask for audited numbers; see if the fund has returned money back to investors on time. With private equity, check the exit track record of the manager because mark-to-market return means little. Check on fund size, and invest in funds that have the right size for an asset class. Assets of `1,000 crore may be too much for a venture fund, while `1 crore too little for a film fund.
Alternatives are definitely a worthwhile space to pursue, when done in the right quantity and with the right approach.

Facebook CEO's Hidden Talent


Mark Zuckerberg's Hidden Talent: Firing People

By Nicholas Carlson | Business Insider

You might not believe it, due to his unblinking stares and awkward personal demeanor, but Facebook CEO Mark Zuckerberg is actually a very good manager of working people.
You know how can tell?
In seven years, he's grown a dorm room project into a $100 billion company with 
3,000 employees.…!

One of Zuckerberg's best tricks, according to Henry Blodget's cover story in New York magazine, is that he is really good at firing people.
“Basically, there are two ways to build an organization,” a former Facebook employee explains. “You can be really, really good at hiring, or you can be really, really good at firing.” Zuckerberg has been really good at firing. “We made some hires that weren’t the right ones. And we were pretty good at correcting that quickly. Mark deserves the credit for identifying and following through with that.” In other cases, key personnel who were good fits simply got outgrown by the company. It can be even harder to jettison those kinds of employees, whose contributions have earned them the loyalty of business partners and colleagues. But here too Zuckerberg did not flinch.
Sean Parker, for example, joined Facebook in the summer of 2004 as the company’s first president. He kept Facebook on track when Zuckerberg’s attention wandered to Wirehog and helped raise the company’s first rounds of outside capital. Most crucially, he did something that will allow Zuckerberg to maintain almost complete control over Facebook for as long as he wants to control it.
Parker, who’d been ousted from both Napster and a later startup, a digital Rolodex service called Plaxo, became obsessed with making sure Zuckerberg didn’t suffer the same fate. In conjunction with raising $500,000 from Thiel, Parker helped restructure Facebook’s voting stock. Zuckerberg today holds 57 percent of those shares, which means that no one, including Facebook’s board members, can legally force him to do anything. This level of control in the hands of one shareholder is extraordinary, and it’s already raising hackles on Wall Street. But it was crucial to getting Zuckerberg comfortable with taking Facebook public, because it means he won’t be compelled to take shortcuts to appease impatient shareholders.
For all Parker brought to Facebook, though, his party-boy ways were deemed too great a liability for him to have a future at the company. Within a year of Parker’s joining the company, he was forced out.
Parker’s departure made room for Owen van Natta, a former Amazon executive hired as head of business development and then promoted to chief operating officer. The 36-year-old Van Natta was Facebook’s first real adult supervision. There were 26 employees when he joined, only two of whom were over 30 years old. During his tenure the staff grew to hundreds, and he had helped hire a lot of them.
Van Natta also got Facebook’s business engine running, assembling its first sales and finance teams and negotiating an investment from Microsoft in 2007 that valued the company at $15 billion. Revenue increased from less than $1 million to more than $150 million. At heart, though, Van Natta was a start-up guy. He thrived on the loosely organized chaos of a young company growing at hyperspeed. His greatest strength was deal-making, not management. In early 2008, in the wake of the disastrous launch of an advertising product called Beacon, Facebook’s senior team determined that the company needed a different kind of executive running the business. So Zuckerberg let Van Natta go.

State of the symbol


State of the symbol
By M J Akbar | India Today 

Two women almost became president of India, one in 1977 and the other in 1982. One will be familiar only to dedicated political pedants. The second remains a household name, even 28 years after her martyrdom. By 1982, Mrs Gandhi felt exhausted: The punishing drama of power had been compounded by the despair of personal tragedy. A "syndicate" of party heavyweights made her prime minister in 1966 after Lal Bahadur Shastri's sudden death, on the assumption that she would be a palliative for an increasingly disillusioned electorate and compliant to their commands. The steel that kept her nerve steady was visible only in 1969, when Mrs Gandhi used an election for President of India to split the Congress and propel her rebel, V.V. Giri, to Rashtrapati Bhavan. In 1971, she lifted her Congress to a magic pinnacle with a stunning victory; four years later, she drove it into unprecedented depths by declaring an unwarranted Emergency. Congress was erased from the electoral map of north, west and 
east India in 1977.
That turned out to be only the middle of the story. She was back in office in January 1980. The euphoria of this political miracle vanished when in 1980 her young heir Sanjay Gandhi died in an air crash over Delhi. No burden is heavier for a mother than a son's bier. It sapped her once indomitable spirit to the point where she began to consider a form of semi-retirement. In 1982, as another election for president neared, she turned to her young finance minister and close confidant Pranab Mukherjee with a strange thought.
She wanted to become president. Mukherjee was stunned. Why would a woman with unchallenged power seek the damp ceremonies of Rashtrapati Bhavan? Mukherjee's genius, however, lies not in asking questions, but in finding answers. As instructed he checked with two seniors, R. Venkataraman and P.V. Narasimha Rao. They squashed the suggestion. Their motives were not totally altruistic. They were apprehensive that Mrs Gandhi would nominate Mukherjee as her replacement. Mrs Gandhi stayed on. The multi-lingual intellectual Rao became frontrunner, but Mrs Gandhi had other ideas. Much to the nation's surprise, and the horror of his peers, she made home minister Giani Zail Singh president.
In public perception, Zail Singh's principal claim to fame lay in his offer to sweep Mrs Gandhi's room with a broom if asked. Since subservience is not the best argument for upward mobility, a political camouflage was trotted out. "First" is always a handy category. His nomination was rationalised as a gesture towards Punjab, since Sikhs were already in ferment. Zail Singh's real USP was a promise to be an obedient, trouble-free occupant of the palace.
Loyalty can be a fragile asset. Zail Singh was president on the morning Mrs Gandhi was assassinated by her Sikh bodyguards in 1984; by nightfall, Rajiv Gandhi had become prime minister. Before dawn, Delhi, the capital of rumour, was whispering that Zail Singh had been less than cooperative. In a more concrete demonstration of suspicion, Rajiv Gandhi dropped his mother's favourite minister, Pranab Mukherjee, from his Cabinet after the general elections of December.
The conflict between Rajiv Gandhi and Zail Singh strained their relationship beyond constitutional elasticity. Zail Singh was soon telling anyone who would listen, and many who would not, that he had the legal authority to dismiss Rajiv Gandhi. He would take selected guests on a walk in the Mughal Gardens because he was afraid his drawing room conversations were being taped by the Intelligence Bureau. Rajiv Gandhi's aides responded with threats of impeachment. The rhetoric on both sides possibly exceeded practical capability, but the tension was palpable and dangerous. Zail Singh slid into the larger script of confrontation over pay-offs in the Bofors gun deal.
Mrs Sonia Gandhi, as wife of the young prime minister, took away a lesson from that searing experience which she has not forgotten: That trust is a scaleable commodity in politics. In theory a president is above politics; in practice, he is what he chooses to be. 
There shall be a President of India. Seven simple words define the highest office in the Republic of India. Nothing more; the Constitution is silent on the executive penumbra of the position. The next Article, 53, of the Constitution, shifts to the executive power of the Union. As symbol of the state, the president is vested with supreme command of the armed forces, but with the qualification that "the exercise thereof shall be regulated by law". The eminent constitutional expert, Ram Jethmalani, pins the anomaly that was redressed: "If the relevant Article (53) did not have important catchwords, the president of India would have been more powerful than any hereditary and absolute King. Both parts of the Article however employ words which render the vesting of these enormous powers nothing more than formal and ceremonial. Article 56(b) reaffirms the supremacy of Parliament, as "the President may, for violation of the Constitution, be removed from office by impeachment (by Parliament) in the manner provided in Article 61."
Jawaharlal Nehru held, in essence, that the president was akin to the British monarch, whose limits were defined by convention rather than statute. It was not merely a matter of blindly imitating the British template; the written clause, particularly in the grant of rights, can be more amenable to exploitation than an unwritten one. India's presidents, so far, have respected the division of responsibility; even Zail Singh did not dare go beyond the private innuendo. In any case, Article 74 binds the president to act only on the advice of the Council of Ministers, the directly elected heart of government.
Conflict arose even when India was governed by giants nurtured in the freedom movement. Dr Rajendra Prasad, Gandhiji's host at Patna en route to Champaran in 1916, became India's first president after we shook off our Dominion status and became a Republic in 1950. Prasad was an enthusiastic supporter of a controversial public-private project to rebuild the Somnath temple, famously destroyed by Mahmud of Ghazni in 1026 ad. Prime Minister Nehru took a classic view of the secular state, and wrote to chief ministers on May 2, 1951: "Government of India as such has nothing to do with it. While it is easy to understand a certain measure of public support to this venture we have to remember that we must not do anything which comes in the way of our State being secular. That is the basis of our Constitution..."
Prasad, and stalwarts like Sardar Vallabhbhai Patel, thought that the best way to lance emotive issues, residuals of a complicated history, was to address majority demands early, when reactions could be either absorbed or brushed aside, or they would inflate into huge communal crises later, as indeed the dispute over Babri mosque did. Prasad presided over the opening ceremony of Somnath in 1951, and Nehru did nothing. The difference was not worth a confrontation.
Their second dispute arose over what Nehru described, in an interview to Taya Zinkin, correspondent of the Manchester Guardian in 1962, as the greatest achievement of his life, the Hindu Code Bill, passed in 1956, which amended and codified Hindu law to ensure gender equality. Polygamy, for instance, was permissible for Hindus till then. Prasad resisted reform, but he could do nothing against Nehru and the will of Parliament. But these were differences over parallel visions of India, not petty and acrimonious tussles for control.
Ironically, collusion between prime minister and president can be as dangerous as conflict. A president's power lies in moral authority, which demands the independence of a judge and sagacity of a wide-awake nationalist. He is guardian of the most precious asset in a democracy, the people's rights, as inscribed in the Constitution. Any lapse is never forgiven by the voter or by history. A perfectly decent president like Fakhruddin Ali Ahmed (August 1974 to February 1977), therefore, is not remembered for civility, but for the crass subservience he displayed when, in June 1975, he signed without question Mrs Gandhi's authoritarian proclamation that condemned India to 19 months of Emergency. The brilliant satirist Abu Abraham, who had been nominated to the Rajya Sabha by Mrs Gandhi, stepped out of his grace-and-favour persona and drew a withering cartoon of the president selling away the Constitution from his bathtub. This memory is indelible in the national consciousness, and explains the hostile reaction to the prospect of a dummy or a dwarf in Rashtrapati Bhavan. Indians want a president, not a puppet.

There were two models for president for the first 19 years, personified in Rajendra Prasad and Dr Sarvepalli Radhakrishnan, who became president in 1960: Statesman-politician and public intellectual, with high talent and integrity in common. The three names being tossed about so far for this year's polls meet such standards: Pranab Mukherjee is admired across party lines, as was evident in the current session of Parliament, and in the country; Abdul Kalam and Hamid Ansari are widely respected intellectual-professionals.
In 1969, a third option entered the frame. Mrs Gandhi won a spectacular political victory but by choosing Giri, she began a process of depreciation that inevitably led to devaluation. When Giri departed in 1974 there was talk that he had taken the curtains along with him. The last five years have seen the symbol of state descend to a caricature. In 2007, Mrs Sonia Gandhi set aside Pranab Mukherjee's name and pushed Mrs Pratibha Patil's name through perplexed allies and a helpless nation. Ironically, these five desultory years of Mrs Patil have sharpened the demand for a person of stature like Mukherjee as the 13th president. Congress allies Sharad Pawar and M. Karunanidhi refuse to be hustled this time around; they are trying to pre-empt Sonia Gandhi's individual will through collective applause. They have voiced support for Mukherjee even before Congress has. Their upa colleague Mamata Banerjee is more wary, but she cannot afford to vote against a fellow Bengali. Mulayam Singh Yadav is happy to go with the flow if the flow is in this direction. Sentiment for Mukherjee has spread to sections of the bjp as well. Curiously, the only person who could deny Mukherjee what is widely acknowledged as his due is his own leader, Mrs Sonia Gandhi.
There is only one plausible reason for Mrs Gandhi's hesitation. She cannot be certain about what Mukherjee will do during his 'overlap' moment.
The first 'Overlap President' would have been a well-regarded Bharatanatyam dancer called Rukmini Devi. We shall never know what prompted the Janata Prime Minister Morarji Desai to float this 71-year-old's name in 1977; he was not famous for patronage of the arts. Perhaps he had some personal peeve against Neelam Sanjeeva Reddy, whose claim lay in the fact that Mrs Gandhi stopped him from becoming president in 1969, setting off a chain of events that had come full circle in less than a decade. Desai was overruled; Reddy became president. But this circle had an extra twist. In 1980, Reddy had to swear in Mrs Gandhi as prime minister. He thus became an overlap president, splitting his term between governments that were politically hostile to each other. The last overlap president was Abdul Kalam. In 2004, Mrs Sonia Gandhi went to him to claim the prime ministership; there is controversy about what exactly transpired. A day later, Sonia Gandhi chose Dr Manmohan Singh. Every Congress MP lauded her for a unique sacrifice, all speeches broadcast to the nation by an obliging Doordarshan.
"The Prime Minister shall be appointed by the President and the other ministers shall be appointed by the President on the advice of the Prime Minister." Article 75 leaves no room for confusion. The president is within his rights to name who he will as prime minister, for there is no Cabinet whose advice he can seek. The prime minister must prove his majority in the Lok Sabha, but anyone can become prime minister for that period. In 1996, Congress lost the elections but no one won them. President Shankar Dayal Sharma set an admirable precedent by calling upon the leader of the largest single party, BJP, to form a government even though both he and the bjp knew that it would not win a vote in the House. Atal Bihari Vajpayee became prime minister for 16 days. But a precedent is not a law. As the Lok Sabha gets increasingly fractured, the president's leeway expands. The dangers are obvious if neither major party gets sufficient seats to command the dominant centre of an alliance, and smaller parties feel free to offer support in return for political or financial rewards. This has happened often enough at the state level.
The role of the president will be critical after the next general elections. Rahul Gandhi's future could depend on the decision the president will take. Mrs Sonia Gandhi is clearly hesitant about both the popular favourites, Kalam and Mukherjee; she may even wonder whether Hamid Ansari would tweak the rules just a little at crunch time. There is therefore much talk of a last-minute surprise candidate, who will probably pop up in the last week of May, or even in June around the time of the notification. Since "first" is a preferred alibi, speculation is narrowing to a tribal candidate, for three Muslims and a Dalit have already lived in Rashtrapati Bhavan. Or the Congress might choose to trip Mukherjee by opting for anyone else around whom a consensus can be created.
There is a difference though: Mrs Sonia Gandhi was in command in 2007. This year, the allies needed to ensure victory have stopped being stenographers in the service of a politically weakened Congress. They are not ready for dictation.
To bid for the future, you must first insure the present. At the moment of writing the insurance policy is in the name of 
Pranab Mukherjee.

Busting the Water Myths


Busting the Water Myths


Myth 1: Drinking water between meals is bad for digestion – This is one line that has been passed down from generation to generation. However, there is no scientific evidence to indicate that it will affect the digestive process. At the most, it will probably fill you up and reduce your appetite for dinner. But besides that, go ahead and enjoy a glass of water with every meal.
Use a fitkari  or alum for sedimentation
Sometimes the stored water looks and becomes cloudy (turbid) and unclear. Sedimentation is a physical process used to remove such turbidity of water by settling down the suspended particles.
The process of sedimentation can be quickened by adding certain chemicals such as alum or fitkari. To treat and purify the contaminated water at home, a piece of alum can be added and left unstirred for a couple of hours. After some time, the impurities get collected at the bottom of the vessel. After which, transfer the clear water into another container.
Bring it to a boil
Simply boiling the water is the easiest and most effective method of disinfecting the water. It effectively destroys most of the microorganisms such as bacteria, viruses, protozoan and other pathogens.
A “rolling boil” for a minimum of one minute is enough to kill most of these disease-causing organisms.

Keep water clean


Keep water clean and cold this summer
Stay hydrated! Easy ways to keep water clean and cold this summer

By Mdhil 

Go for a matka (earthen pot)
Whenever we came rushing back home in the sweltering heat, my grandmother always insisted on us drinking water from a matka, kept wrapped in a wet bright red cloth, rather than grabbing a refrigerated chilled water bottle. Traditionally, the matkas and other earthen pots have been used to store and keep water cold. Water stored in a matka or a surahi (another earthen pot with a narrow and long neck) gets cooled within a few hours, because they are porous. Thanks to that quality, the air moves in and out of the pot, bringing down the temperature of the water stored inside it.
Water from a matka is comparatively gentler on the throat; hence people who are prone to cough and colds are advised to consume it from such earthen pots than straight from a refrigerator.
Nowadays, you’ll also see jug-shaped earthen pots to store water, they are handy and will also look nice on your dining table. So this summer, bring on those cute looking matkas, delicate surahis, and jugs for refreshingly fresh and cool water. But make sure you scrub and clean them regularly.
Store water in a copper vessel
Ayurveda recommends storing and drinking water from copper vessels. It is assumed that water stored overnight in a copper vessel,
  • accumulates traces of copper, which are beneficial in strengthening the muscular system
  • purifies the blood and remove toxins
  • kills bacteria
To attain the above said benefits, the copper vessel should be made of at least 95 % copper and 5 % zinc. Anything less than 95 per cent will not kill the damaging pathogens.
However, storing water in a copper vessel can even prove to be detrimental if the vessel is not cleaned and washed regularly. Make sure that the container is scrubbed and rinsed well and ensure that there are no deposits left in it.