Sunday, 2 December 2012

[www.keralites.net] When nails go bad

 

Knowing the nail
The nail is made up of keratin, a toughened protein. It consists of the non-living visible part that covers the skin at the end of our fingers and toes and the living part embedded in the skin that produces cells and is responsible for nail growth. It is translucent and appears pink because of the blood capillaries that lie underneath it.
Healthy nails are characteristic by a pinkish hue, well-shaped edges and proper curvature. Healthy nails come from good nutrition, proper hygiene and adequate care.
 
When nails go bad
Just because nails are tough does not mean they are immune. Our nails are vulnerable to various infections, irregularities and disorders. Fungal infections make up for a majority of most nail-related problems, causing discoloration and fungal growth. Trauma can cause ridges, bleeding or detachment of the nail from the finger. Bacterial infections can also arise out of continuous exposure to moisture or contact with chemicals. Wearing ill-fitting shoes or cutting the nail too short can cause the nail to grow inwards, causing pain.
Apart from these, the nails can also be an indicator of various other conditions. Indentations along the nail plate, called beau lines, are caused when the living part of the nail is affected by pneumonia, measles or heart attack. Lifted nails can be a symptom of underlying diseases such as eczema, psoriasis or thyroid diseases. A deficiency in iron can cause the finger nails to scoop out, with a depression at the center. Opaque nails with dark tips can be caused by cirrhosis, cancer or heart failures.
 
Nail care
Healthy and attractive nails become a part of our personality. Proper nail care goes a long way in keeping them healthy and clean. It is obvious that our nail care procedures vary from person to person and differ by age, gender and lifestyle. Here are a few tips on caring for your nails for both the sexes.
 
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Yes, that nail polish is a thing for the other sex and many still feel uncomfortable being spotted en route to a manicure. But at the end of the day, we need to pay attention to our nails. Bad nails do not make a good image for any man.
  • Keeping them neat and trimmed is the most important thing to do. Cut your nails regularly. Filing them prevents ridges at the edge and gives them a neat look. Also, give them a slight buff at the top so that they look glossy. This is perhaps the best alternative to a nail polish and gives you the shiny nails without having to use 'feminine' stuff.
  • Moisten your nails before cutting them. Soaking them in soap water for sometime helps make them softer. Cutting them while they are dry and brittle will give them odd, geometric shapes.
  • Pushing back your cuticles a bit also prevents cracks and gives your nails a nice new look. After all, if you are going to be shaking hands with people a lot, you might as well invest more time in making those hands look better.
  • Also, getting a manicure isn't necessarily feminine. A lot of men do it these days. It gives one a feeling of being pampered while at the same time brightening up your nails. It's always worth a try and those who do not wish to do it again do not need to.
She
  • A regular manicure either by a professional or at home keeps your nails healthy and good-looking. If you choose to carry out your nail care routine at home, specially if your nails require some working on in-between manicure visits, ensure that you spend enough time on it and do it the right way.
  • Brittle nails are not nice to cut. Soak them in water so that they become soft and can be cut and shaped easily.
  • Cut them in the desired fashion, not too close to the nail bed and at the same time, not too long. Very long nails crack easily since they become very dry and are not easy to care for. Avoid making sharp angles on your nails and round them up towards the corners. Also, pointed nails look like claws and do more harm than good.
  • Do not forget to file your nails. The edges of the nails are usually jagged just after cutting and filing them gives them a uniform, smooth edge. Also, do not file too close to the nail bed or the cuticles since the friction can bruise the regions.
  • Buffing your nails gives them a nice outer glossy shine. Fine-grained buff can also be used to create a matte surface before applying nail polish.
  • While applying nail polish, always use multiple coats, starting with a base coat. The base coat prevents the nail polish from chipping away. A double-layer nail polish stays longer and gives your nails a better shine.
The final piece of advice goes to both men and women. Much of the time and effort spent in taking care of your nails count for little if you have the habit of biting nails. Bitten nails often have irregular shapes and do not look very pleasing. Since dirt tends to gather underneath our nails, biting them is also rather unhealthy. If you have healthy nails and wish to keep them that way, abstain from biting them and carry out a regular, periodic manicure routine instead.
Best Regards
Prakash Nair

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[www.keralites.net] Currency Hedging

 

 
There is a village known as Champak. The village is well known for the intelligence of its people. Chameli is one smart girl of the village and Chatur a smart young man, is keen to marry Chameli. However, Chameli is unwilling to commit. She sets her condition that she might consider marrying him but would confirm only after one year. She comes up with an idea and makes an offer to Chatur.
 
She suggests that they draw up a contract which states that at the end of the year she might consider marrying Chatur but there would be no obligation todoso. For signing up the contract,she would pay Chatur a sum of money. As part of the contract, Chatur has to stay within bounds and not persuade her during this period.

If one sees this situation from Chameli's perspective, it appears that she is "Hedging" herself or we may say she is "covering her risks" for a sum of money. Chatur on the other hand stands a chance of marrying Chameli after a year and the sum of money that he gets for the contract becomes the icing on the cake.

However, let us examine the scenario in the event of Chameli not marrying Chatur.

Chameli would use her option of not marrying Chatur if she happens to find a groom more eligible than Chatur. The only price that she would have to bear for this decision is the sum of money that Chatur would get on account of the contract.

So by offering this money, she covers her risks by ensuring that she enjoys the option of marrying either Chatur or somebody better. Chatur has a reasonable chance of marrying Chameli at the end of the year, but if that does not occur he at least gets to pocket the money.

Hedging of currency risk is similar to this story. Let's say Chameli places an order to buy foreign machinery at a million dollars at the end the year. As per the contract, she will need to make the payment at the end of the year. Now let's say the value of a million dollar is 5 cr. rupees at the time of signing the contract.

At the end of the year the value of the dollar rises by 10%. Now she would have to cough up additional Rs. 50 lacs for the machinery (Rs 5.5 cr for a million dollars due to price appreciation).

This increase in cost is not good for her business. And she looks for ways of covering such currency risk. Instead of risking what could be Rs 50 lacs, she buys a call option (you always buy a "call" option but sell a "put" option).

This option in essence gives her the option of either purchasing a million dollars for Rs 5 cr. or else allowing the option to expire. Logically, if the value of the million dollars falls below Rs 5 cr, she would allow the option to expire. But if the value of the million dollars goes up beyond Rs 5 cr, she would execute the option.

For getting the benefit of this protection, which is popularly expressed as hedging in the financial terms, she would naturally have to pay a fee or price. Let's say this is Rs 5 lacs (This is just for the sake of illustration. The exact price of the option etc. is beyond the scope of this lesson).

So by risking Rs 5 lacs, she gets the option of purchasing a million dollars either for Rs 5 cr. or less but cer tainly not more. And for this she would have to pay Rs 5 lacs. If the price of a million dollars were to drop to Rs 4.95 cr. then she would also recover her fee, (Rs 5 lacs) and if the price were to drop to Rs 4.9 cr., she would end up making a profit of Rs 5 lacs. (Her total cost would then be Rs 4.9 cr for a million dollar + Rs 5 lacs as the fee = Rs 4.95 cr. which is Rs 5 lacs less than the agreed price fixed a year ago.)

Otherwise she would risk only Rs 5 lacs in the deal for which she would get a peace of mind by ensuring that the exchange rate for her does not change over the year. This is popularly known as covering the currency risk by way of hedging through the purchase of call options.

Trust this lesson gave you an idea on one of the ways to understand "Currency Hedging".

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[www.keralites.net] technology

 
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[www.keralites.net] Sleeping positions

 

Dear All,
Professor Chris Idzikowski, director of the Sleep Assessment and Advisory Service, has analysed six common sleeping positions - and found that each sleep position is linked to a particular personality type.

Thinker: Those who curl up in the foetus position are described as tough on the outside but sensitive at heart. They may be shy when they first meet somebody, but soon relax.

Log (15%): Lying on your side with both arms down by your side. These sleepers are easy going, social people who like being part of the in-crowd, and who are trusting of strangers. However, they may be gullible.

The yearner (13%): People who sleep on their side with both arms out in front are said to have an open nature, but can be suspicious, cynical. They are slow to make up their minds, but once they have taken a decision, they are unlikely ever to change it.

Soldier (8%): Lying on your back with both arms pinned to your sides. People who sleep in this position are generally quiet and reserved. They don't like a fuss, but set themselves and others high standards.

Freefall (7%): Lying on your front with your hands around the pillow, and your head turned to one side. Often gregarious and brash people, but can be nervy and thin-skinned underneath, and don't like criticism, or extreme situation

Stargazer (5%): Lying on your back with both arms up around the pillow. These sleepers make good friends because they are always ready to listen to others, and offer help when needed. They generally don't like to be the centre of attention. 

 
Fun & Info @ Keralites.net Regards, S Venkatakrishna Iyengar











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