” LA has turned to most unusual methods to protect the city’s water …”

The sea of 96MILLION plastic balls that LA hopes will save it from drought: Reservoir is covered in an ocean of black spheres to stop 300million gallons of water evaporating

  • Black plastic balls were this week released into the 175-acre Los Angeles Reservoir in Sylmar, California
  • They are designed to cover the water, prevent evaporation and protect it from dust, rain, chemicals and wildlife
  • The polyethylene balls, around the size of an apple, cost 36 cents each and are black to help deflect the UV rays

 

With no apparent relief to California’s record-breaking drought, Los Angeles has turned to more unusual methods to protect the city’s water.

Officials recently released 96 million floating ‘shade balls’ into the 75-acre Los Angeles Reservoir in Sylmar, California.

The black plastic balls are designed to help protect the water against dust, rain, chemicals and wildlife, as well as prevent 300 million gallons of water from evaporating each year.

With no apparent relief to California's record-breaking drought, Los Angeles has turned to more unusual methods to protect the city's water. City officials recently released ninety six million floating 'shade balls' into the Los Angeles Reservoir to cover the complex' water

With no apparent relief to California’s record-breaking drought, Los Angeles has turned to more unusual methods to protect the city’s water. City officials recently released ninety six million floating ‘shade balls’ into the Los Angeles Reservoir to cover the complex’ water

The balls work by floating on the surface and blocking the sun’s rays.

As well as protecting against evaporation, they also prevent the chemical reaction that creates the carcinogenic compound bromate.

For most people, exposure to bromate – created from naturally-occurring bromide in water -is unlikely to be cause problems.

But some people who ingest large amounts of bromate have suffered nausea, vomiting, diarrhea and abdominal pain.

The balls also form a protective barrier across the surface that helps keep birds, animals and other contaminants out.

Dr Brian White, a now-retired Los Angeles Department of Water and Power (LADWP biologist), was the first person to think of using shade balls for water quality.

The idea came to him when he learned about the application of ‘bird balls’ in ponds along airfield runways.

His in-house solution has been used in LADWP’s open-air reservoirs since 2008 to block sunlight, prevent chemical reactions and curtail algae blooms.

The balls, around the size of a large apple, cost 36 cents each and are black because it is the only colour that is able to deflect UV rays.

Around 20,000 polyethylene balls were released into the Los Angeles reservoir at the Van Norman complex in Sylmar, California, yesterday

They balls work by floating on the surface and blocking the sun rays to prevent the water from evaporating. By doing this, they also prevent the chemical reaction that creates the carcinogenic compound bromate. 

They balls work by floating on the surface and blocking the sun rays to prevent the water from evaporating. By doing this, they also prevent the chemical reaction that creates the carcinogenic compound bromate.

They are currently in place at Upper Stone, Elysian and Ivanhoe reservoirs, and come with the added benefit of reducing evaporation off the reservoir surfaces by 85 to 90 per cent.

Mayor Eric Garcetti joined officials yesterday to release the final 20,000 shade balls as part of the region’s $34.5 million water quality protection project.

‘In the midst of California’s historic drought, it takes bold ingenuity to maximize my goals for water conservation,’ Garcetti said.

‘This effort by LADWP is emblematic of the kind of the creative thinking we need to meet those challenges.’

The polyethylene balls are expected to save $250 million when compared to other, similar techniques to protect the water.

These include splitting the reservoir into two with a bisecting dam; and installing two floating covers that would have cost more than $300 million.

‘In addition to cutting back on the need to chemically treat our water to prevent natural occurrences like algae, these shade balls are a cost-effective way to reduce evaporation each year by nearly 300 million gallons, enough to provide drinking water for 8,100 people for a full year,’ added Councilman Mitch Englander.

Pictured is an aerial view of the reservoir showing the shade balls in position. The polyethylene balls are expected to save $250 million when compared to other, similar techniques to protect the water

Pictured is an aerial view of the reservoir showing the shade balls in position. The polyethylene balls are expected to save $250 million when compared to other, similar techniques to protect the water

Dr Brian White, a now-retired LADWP biologist, was the first person to think of using shade balls for water quality.  The idea came to him when he learned about the application of 'bird balls' in ponds along airfield runways.

Dr Brian White, a now-retired LADWP biologist, was the first person to think of using shade balls for water quality.  The idea came to him when he learned about the application of ‘bird balls’ in ponds along airfield runways.

Source…..www.dailymail.co.uk

 

Natarajan

Thought Provoking Economics…

 

 

FIVE BEST SENTENCES IN ECONOMICS – Thought Provoking
An economics professor at a local college made a statement that he had never failed a single student before, but had recently failed an entire class. That class had insisted that socialism worked well since no one would be poor and no one would be rich, thus providing a great equalizer.

The professor then said, “OK, we will have an experiment in this class on the Socialist plan”…. All grades will be averaged and everyone will receive the same grade so no one will fail and no one will receive an A…. (substituting grades for dollars – something closer to home and more readily understood by all).

After the first test, the grades were averaged and everyone got a B. 

When the 3rd test rolled around, the average was an F.

As the tests proceeded, the scores never increased as bickering, blame and name-calling all resulted in hard feelings and no one was motivated to study for the benefit of anyone else.

To their great surprise, ALL FAILED and the professor told them that socialism would also ultimately fail because when the reward (and risk) is great, the effort to succeed is great, but when government takes all the reward away, no one will work really hard to succeed.

          
Could not be any simpler than that.

 
These are possibly the 5 best sentences you’ll ever read and all applicable to this experiment:

1. You cannot legislate the poor into prosperity by legislating the wealthy out of prosperity.

2. What one person receives without working for, another person must work for without receiving.

3. The government cannot give to anybody anything that the government does not first take from somebody else.

4. You cannot multiply wealth by dividing it!

5. When half of the people get the idea that they do not have to work because the other half is going to take care of them, and when the other half gets the idea that it does no good to work because somebody else is going to get what they work for, that is the beginning of the end of any nation.

Source……..unknown…an input from a friend of mine
Natarajan

Forget Cable TV…. Look at the Alternatives….!!!

When TV started becoming popular, it was transmitted via radio waves and the quality wasn’t great. Later came cable and satellite TV, offering better quality, more channels and even smart features like checking a channels scheduled programs. Now, it’s the turn for the next revolution:

Meet the media streamers – These devices can turn your TV into a “smart TV”, allowing you to install apps, stream high-definition TV shows and movies, play games, browse the internet and visit Baba-Mail from the comfort of your living room. Want to watch Downton Abby now? Go to Hulu or Netflix. Got an Amazon Prime account? Watch free movies and shows. The possibilities are endless.

The best streamers in the market today:  

 

 

The Fire TV is Amazon’s official media streamer, it lets you use your Amazon account, and if you’re using Amazon Prime – you can enjoy hundreds of thousands of TV shows and movies. The Fire TV’s remote has a built-in microphone you can use instead of a keyboard, and you can also install a remote-control app on your smartphone or tablet if you feel like it.

 

APPLE TV

If you prefer Apple’s iOS interface and mainly have iPhones or iPads in your home, going with Apple TV is the best choice for you. The interface is sleek and runs smoothly, and the device connects to other iOS devices with ease.

Google Nexus Player

 

Google recently released the Nexus Player, which unlike the rest of the competition, has an internal (albeit small) hard drive and the remote includes a microphone for voice-search. You can pair the Nexus with a Bluetooth keyboard & mouse for easier use. If you or someone in your family enjoys gaming, you can purchase a specialized gamepad to improve your gaming experience.

preferred media streamer, by far, is the Roku 3. The device currently has more apps than all of its competitors, access to a great many channels, the ability to stream content from your phone to your TV via Roku, and best of all, it has a feature none of the competitors have: A headphone jack in the remote control that lets you enjoy those late-night movies and shows without disturbing anyone.

Data Sheet:

Roku 3 Apple TV Amazon Fire TV Google Nexus Player
Remote Yes Yes Yes Yes
Voice control No No Yes Yes
Harddrive No No No Yes
Headphone jack Yes No No No
WiFi required No* Yes Yes Yes
Ethernet Yes No No No
Connects via: HDMI HDMI HDMI HDMI
Supported services:
Netflix Yes Yes Yes Yes
Amazon Instant Yes AirPlay Yes TabCast
YouTube Yes Yes Yes Yes
Hulu Plus Yes Yes Yes Yes
HBO Go Yes Yes Yes Cast
Showtime Anytime Yes Yes Yes Cast
Vudu Yes AirPlay No Cast
Flixster Yes Yes Yes Cast
Crackle Yes Yes Yes Yes
PBS Yes Yes Yes TabCast
PBS Kids Yes Yes Yes Yes
FXNow Yes Yes No No
Disney Channels Yes Yes Yes TabCast
Time Warner Cable TV Yes No No No
SlingPlayer Yes AirPlay No Cast
Sky News Yes Yes Yes No
Starz Play No No No Cast
Bloomberg TV No Yes Yes Yes
Watch ESPN Yes Yes Yes Cast
MLB.TV Yes Yes Yes Yes
NFL Now Yes Yes Yes Cast
NBA Game Time Yes Yes Yes Yes
Pandora Yes AirPlay Yes Yes
Spotify Yes AirPlay Yes TabCast
Rdio Yes AirPlay No Cast
Beats Music No Yes No No
Rhapsody No AirPlay No Cast
Vevo Yes Yes Yes Cast
“Radio” & iTunes radio No Yes No No
TuneIn Yes AirPlay Yes TabCast
iHeartRadio Yes AirPlay Yes Cast
Amazon Music Yes AirPlay Yes No
iTunes content No Yes No No
Google Music No No No Yes
Google Play Movies and TV Yes No No Yes
Plex Yes AirPlay Yes Yes
* No WiFi needed if connected via Ethernet
Glossary:

  • AirPlay: Apple technology that allows wireless streaming of audio, video, and photos between devices.
  • Cast / TabCast : Google technology that allows wireless streaming of audio, video, and photos between devices.
  • HDMI: A digital connector, used for high-definition video and audio broadcasting.
 Source….www.ba-bamail.com
Natarajan

 

Health Benefits of Guava Fruit….

Guavas are found in the tropics, and invoke images of vacations, summer parties and island life, but this tasty fruit is more than a celebratory food. This fruit is bursting with healthy vitamins and minerals and can be used to treat many serious ailments. You can recognize guavas by their yellow, green or maroon skins and creamy white or pink pulp.

Weight loss and gain

Guava is a winning fruit for its many great benefits. If you’re trying to lose weight, guavas are not a fruit you need to give up. In fact, this snack-sized fruit can satisfy your appetite while adding few calories, low amounts of carbohydrates and no cholesterol to your diet. And, compared to other fruit, adds a low dose of sugar. Guavas also offer a great source of vitamins, proteins, roughage, fibers and minerals. For lean people trying to gain weight, this fruit is also beneficial as it promotes the healthy absorption of nutrients and its substantial nutrients regulate one’s metabolism.

Blood pressure and Diabetes

Guavas are hypoglycemic and rich in fiber, which helps reduce blood pressure. Dietary fibers maintain the blood’s fluidity and prevent it from thickening, which can worsen blood pressure. Foods lacking in fiber (for example refined flour) increase blood pressure because they convert to sugar more quickly. This can help fight or even prevent diabetes. The fiber regulates the sugar being absorbed by the body and the risk of both high spikes and drops in the body’s insulin and glucose levels is reduced.

Diarrhea, dysentery, and gastroenteritis

The abundant astringent (substances that contract body tissue) makeup of raw guava and guava leaves helps loosen the bowels and can reduce the symptoms of diarrhea and gastroenteritis. Being highly alkaline, the guavas act as a disinfectant, removing excess mucus from the intestines and inhibiting microbial growth. For these reasons, guavas can also be used to treat dysentery. The guavas’ plentiful supply of vitamin C, carotenoids and potassium can also boost your digestive system.

Thyroid health

A good substance for regulating the thyroid’s metabolism is copper, which guavas have plenty of. The thyroid glands regulate important hormones and organ system functions, which helps maintain a healthy balance in your body.

Healthy brains

Also present in guavas are high amounts of vitamins B3 and B6. These both have benefits for the health of your brain. B3, which is also called niacin, is known to help increase blood flow and stimulate cognitive function, while B6 helps preserve normal nerve function.

Scurvy

Guava is your best source for vitamin C. In fact it has four times the amount of Vitamin C found in oranges, which are regarded as the go-to food for this vitamin. The concentration of vitamin C can prevent scurvy, a disease caused by a deficiency of this vitamin.

Constipation

The seeds of guavas, either ingested whole or chewed, are excellent laxatives. In addition to the fruits’ substantial amount of dietary fiber, guavas are advantageous for treating constipation. These two sources cleanse your intestines and excretory system and help your body retain water, helping you achieve healthy bowel movements. Frequently snacking on guavas, then, can be beneficial for proper digestion.

Colds and coughs

Colds and coughs

Drinking the juice of guavas and fresh guava fruit helps in fighting colds and coughs. The astringent quality can lessen mucus, disinfect the respiratory tract, throat, and lungs and reduce microbial activity. The substantial amounts of iron and vitamin C in guavas also help treat viral infections. It’s advised to avoid eating overly ripe guavas when you have a cold or cough as they can actually aggravate them.

Eyesight

The considerable quantities of vitamin A in guavas are extremely beneficial for the health of your vision. This helps slow down macular degeneration, the growth of cataracts and even improve one’s eyesight degradation once it has begun.

Source
Cancer prevention

Guava is also valuable in your diet as a preventative measure against cancerous growths and metastasis. The high levels of an antioxidant called lycopene has been shown to reduce the risk of prostate cancer and inhibit the growth of breast cancer cells. Guava leaf oil is another anti-proliferative extract from the guava plant that has proven effective in reducing cancer growth.

Skincare

Guavas are also fantastic at improving skin texture and keeping your skin looking fresh. Guavas are full of astringents, particularly in fresh fruit and the leaves of the plant. If you rinse your skin with a guava decoction, the fruit can tone and tighten areas of loose skin. Eating the fruit also provides a rich source of vitamins A, B, C, as well as potassium, which are excellent antioxidants and detoxifiers. They can keep your skin glowing, prevent premature aging and wrinkles, and can speed up the healing process of wounds.

H/T: www.organicfacts.net

Source….www.ba-bamail.com

Natarajan

 

 

 

 

Message for the Day…” Place Your Faith in God and do Your duty to the best of your ability…”

Every being is an embodiment of the Divine. True human relationship can grow only when this truth is recognised. The first stage is where you recognise, ‘I am in the Light.’ Next is when you know, ‘The Light is in me,’ and finally you realise, ‘I am the Light.’ ‘I’ represents love and light which connotes Supreme Wisdom (Jnana). When love and light unite, there is Realisation. The path of devotion is easier than the path of wisdom. Love should come from within, not forced from outside. Develop spontaneous love. The attitude of petitioning to God for favours should be given up. Love of God should not be based on quid pro quo, seeking favours in exchange for prayers and offerings to God. Place your faith in God and do your duty to the best of your ability. Saturate yourself with love and share it with all.

Sathya Sai Baba

” இது ஒரு ‘ சுண்டக்காய் ‘ விஷயம் இல்லை ….” !!!

Nss Sankaran's photo.

சுண்டைக்காய் மருத்துவம்!
கிருமிகளை அழிப்பதில் சுண்டைக்காய்க்கு
நிகரே இல்லை எனலாம். உணவின் மூலம் நம்
உடலுக்குள் சேர்கிற கிருமிகள் தியாக
உள்ளே பலவித பாதிப்புகளை உருவாக்கலாம்.
அடிக்கடி சுண்டைக்காய் சாப்பிடுகிறவர்களுக்கு
இந்த நச்சுக் கிருமிகள் உடலில் தங்குவது
தவிர்க்கப்படும்.
சுண்டைக்காயை உலர்த்திப் பொடியாக்கி,
தினம் சிறிதளவை தண்ணீரில் கரைத்துக் குடித்து
வந்தால், ஆசனவாய் தொற்றும், அதன் விளைவால்
உண்டாகிற அரிப்பும் குணமாகும். வாரத்தில்
4 நாட்களுக்கு சுண்டைக்காய் சாப்பிடுகிறவர்களுக்கு
இரத்த சர்க்கரை கட்டுப்பாட்டில் இருக்குமாம்.
சுண்டைக்காயைக் காய வைத்து வற்றலாக்கி,
சில துளிகள் எண்ணெய் விட்டு வறுத்து, சூடான
சாதத்தில் பொடித்துச் சேர்த்து ஒரு கவளம்
சாப்பிட, அஜீரணக் கோளாறுகள் குணமாகும்.
வாயுப்பிடிப்பு பிரச்னை உள்ளவர்களுக்கும்
சுண்டைக்காய் நல்ல மருந்து.
பச்சை சுண்டைக்காயை அடிக்கடி எடுத்துக் கொள்வதன்
மூலம் எலும்புகள் பலப்படும் என்பது பெண்கள்
கவனிக்க வேண்டிய சேதி.
பக்கவாதம் பாதித்தவர்களுக்குக் கூட சுண்டைக்காய்
மெல்ல மெல்ல நிவாரணம் தரும் என்கிறது
பாட்டி வைத்தியக் குறிப்பு ஒன்று.
எப்படிச் சுத்தப்படுத்துவது?
காம்புடன் கூடிய பச்சை சுண்டைக்காய்களாகப்
பார்த்து வாங்க வேண்டும். காம்பு நீக்கி,
சுண்டைக்காய்களை லேசாகத் தட்டி, தண்ணீர்
உள்ள பாத்திரத்தில் போட வேண்டும். பிறகு
கைகளால் லேசாக அவற்றை அலசினால்,
விதைகள் அடியில் தங்கும். விதைகளை
முழுக்க நீக்கத் தேவையில்லை. பிறகு
இன்னொரு முறை காய்களைக் கழுவிவிட்டு,
சமையலுக்கு உபயோகிக்கலாம்.
உடலிலுள்ள கிருமிகளை அழிப்பதிலிருந்து,
கொழுப்பைக் கரைப்பது வரை பெரிய பெரிய
வேலைகளைச் செய்யக் கூடிய மாபெரும்
மருத்துவக் குணங்களை உள்ளடக்கியது
சின்னதான இந்த சுண்டைக்காய். இத்தனை
சிறிய சுண்டைக்காயினுள் இவ்வளவு
விஷயங்களா என மலைக்க வைக்கிறது,
* நமது வீட்டுத் தோட்டங்களில் மிகச்
சுலபமாகவும் சீக்கிரமாகவும் விளையக்கூடிய
ஒரு தாவரம் சுண்டைச்செடி. மகத்தான
மருத்துவக் குணங்கள் கொண்ட
சுண்டைக்காயின் உபயோகம் மெல்ல மெல்ல
குறைந்து வருகிறது. சுண்டைக்காயை நுண்
ஊட்டச் சத்துகளின் பவர் ஹவுஸ் என்றே
சொல்லலாம். தேவையற்ற செல் பாதிப்புகள் நம்
உடலில் ஏகப்பட்டவியாதிகளை வரவழைத்து
விடும்.
நீரிழிவு, இதய நோய்கள் என
எல்லாவற்றுக்கும் ஏதுவாக உடல்
பலவீனமடையும். நோயற்ற வாழ்க்கைக்கு
ஆன்ட்டிஆக்சிடண்ட்ஸ் அவசியம். வைட்டமின்
ஏ (பீட்டா கரோட்டின்), சி, இ போன்ற சத்துகளை
எக்கச்சக்கமாக உள்ளடக்கியது இது. குறிப்பாக
நோய் எதிர்ப்பு சக்திக்கு மிக முக்கியமான
தேவையான வைட்டமின் சியை அபரிமிதமாகக்
கொண்டது சுண்டைக்காய். ஆரஞ்சு, கொய்யா,
பப்பாளிக்கு இணையான வைட்டமின் சி இதில்
உண்டு.
*இரத்த அழுத்தத்தைக் கட்டுப்படுத்தக் கூடியது.
இரத்தத்தில் கொழுப்பு சேர்ந்து, அது இரத்தக்
குழாய்களில் படிவதைத் தவிர்க்கும் சக்தி
இதற்கு உண்டு. ஆன்ட்டி இன்ஃப்ளமேட்டரி
குணங்கள் கொண்டது.
வெள்ளை இரத்த அணுக்களை அதிகரித்து அதன்
விளைவாக நோய் எதிர்ப்புச் சக்தியை அதிகரிக்கக் கூடியது.
சுண்டைக்காயில் உள்ள இரும்புச் சத்தானது
இரத்த சோகையை எதிர்த்துப் போராடக் கூடியது.
இரும்புச் சத்து என்றதும் கேழ்வரகு, கீரை
போன்றவற்றையே நாடுவோர்க்கு, அது
சுண்டைக்காயில் அதிகளவில் உள்ளது
தெரியாது.
* சுண்டைக்காயை பச்சையாகவோ,
வற்றலாகவோ எப்படி வேண்டுமானாலும்
சாப்பிடலாம்.
காய்ச்சல் நேரத்தில் சுண்டைக்காய் சேர்த்துக் கொள்வதன் மூலம் வெள்ளை இரத்த அணுக்கள் அதிகரிப்பதுடன், காயங்களும் புண்களும் கூட ஆறும்.
* தையாமின், ரிபோஃப்ளேவின், நியாசின்
போன்ற பி காம்ப்ளக்ஸ் சத்துகள் அனைத்தும்
இதில் உள்ளன. இதில் உள்ள ரிபோஃப்ளேவின்
வாய் புண்களையும், சொத்தைப் பல் உருவாவதையும் தடுக்கக் கூடியது.
* நரம்பு மண்டலத்துக்குச் சக்தி கொடுக்கக்கூடியது
சுண்டைக்காய். பார்வைத் திறன் அதிகரிக்கவும்
நினைவாற்றல் கூடவும் சுண்டைக்காயில் உள்ள
நல்ல குணங்கள் உதவக்கூடியவை.
நம்மூர் மக்களுக்குச் சுண்டைக்காய் வற்றலைத்
தவிர அதை எப்படி உபயோகிப்பது என்பது
தெரியாது. ஆனால், சுண்டைக்காயை விதம்
விதமாக சமைத்து உண்ணலாம்.
கத்தரிக்காயை என்னவெல்லாம் செய்து சாப்பிடுவோமோ, அத்தனையையும்
சுண்டைக்காயிலும் செய்யலாம். கேரட்,
பீட்ரூட் மாதிரி பிரமாதமான சுவை கொண்டதல்ல இது. சப்பென்றுதான் இருக்கும். ஆனால், அதை நாம் சமைக்கிற முறையின் மூலம் சுவை மிக்கதாக
மாற்ற முடியும்.
* சித்த மருத்துவத்தில் சுண்டைக்காயின் பயன்
பாடு மிக அதிகம். அதன் சாரத்தை அவர்கள் பல
மருந்துத் தயாரிப்புகளுக்கு உபயோகிக்கிறார்கள்.
* பிரசவமான பெண்களுக்கு பத்தியச் சாப்பாட்டின்
ஒரு பகுதியாக அங்காயப் பொடி என ஒன்று
கொடுப்பார்கள். அதில் பிரதானமாகச்
சேர்க்கப்படுவதே சுண்டைக்காய்தான்.
தாய்ப்பால் சுரப்பை அதிகரித்து, செரிமான
சக்தியைத் தூண்டி, உடலின் நச்சுகளை
வெளியேற்றும் சக்தி கொண்டது அதில்
சேர்க்கப்படுகிற சுண்டைக்காய்.
“சுண்டைக்காயா… அதை வச்சு என்ன செய்ய
என ஒதுங்கிப் போகாமல் இனிமேல் எப்போது,
எங்கே சுண்டைக்காயைப் பார்த்தாலும் உடனே வாங்கி சமைத்துச் சாப்பிடுங்கள்” .
Source…..input from a Friend of mine
Natarajan

What your Credit Score says about you….?

A commercial on TV shows a person waving his CIBIL Reports and the lenders flock to him to give him a loan; he is treated well, with a lot of respect and of course his loan is sanctioned. So what does the CIBIL Score actually say about a person’s financial profile that opens doors of banks for him; what all do those three digits tell?

Apart from lenders, employers when hiring people for higher management positions and looking for individuals to work in financial sectors can also ask for an applicant’s CIBIL score. This trend is still at a nascent stage in India. In USA, which is heavily credit driven, it is common for utility providers, insurers to ask for a credit report; even when looking for an apartment or a life partner the credit score comes into play! So have you ever wondered what does the CIBIL Score say about me?

Financial health

The most important fact revealed by the credit score is the financial health of an individual. Credit score is calculated based on a lot of information collected from various sources across a considerable time period. It’s not just recent behaviour or one off random action that is reflected in the credit behaviour.

A lot of variables and factors contribute to the final score; repayment behaviour for all types of credit dating back years, type of debt, credit utilisation, loan tenure etc are all considered when calculating the CIBIL score. Thus these three digits give a concise picture of your financial health and behaviour; any randomness is taken care of by the numerous variables and also the time period over which the data is spread.

In case one or two credit card payments are missed over a five year period then it can attributed to genuine reasons and they will not have an overall adverse impact on the credit score. However if credit card payments are missed every few months then they reflect on the poor financial health of the person. It is clear indicator that the person is in the risk of falling into a debt trap.

Risk profile

A low credit score means a high risk profile and a high CIBIL score means a low risk profile.

A financial institution when lending money does it with an understanding that it will get the money (principal and interest) back and ideally get it back on time. This they judge by looking at the CIBIL score which is an indicator of the risk profile of an applicant.

A high risk profile indicates that the chance of the customer defaulting or delaying payments is substantial; the lender may choose to reject such an application or charge a higher interest if sanctioning a loan.

Personality traits

Apart from the financial habits of a person the CIBIL score can also reveal a few traits about an individual’s personality. This is maybe one of the reason employers may want to have a look at it apart from the potential hazards (litigation, fraud) of hiring a person who is debt ridden or in poor financial health.

a. Planning and organisation

A CIBIL score indicates whether a person is organised and plans ahead or not. Financial health is a result of good financial planning and organisation too. Not planning your finances, taking a car loan without figuring out whether you can pay the EMIs or not; not being organised enough to check about a bank’s policies for sanctioning a loan and randomly applying to it are few actions that affect your CIBIL Score.

Careful planning ahead ensures that you are in a position to meet your financial obligations monthly and loan applications (which result in hard credit enquiries) are not rejected.

b. Discipline

Paying EMIs or credit card bills on time is the simplest thing to do in case you have planned your finances well. However not paying on time frequently is a sure indicator of lack of discipline; you are simply forgetful or not disciplined enough to follow the plan. Similarly swiping the credit card without bothering about the payment that needs to be made at the end of the month also reflects lack of restraint and discipline. All organisation and planning can go for a toss if one is not disciplined enough to follow it through.

c. Integrity

Defaulting on loans or credit card payments can also reflect lack of integrity in the person sometimes. It may be the case that the person does not simply intend to pay; s/he does not have the integrity to honor her/his commitment. There are enough cases of wilful defaults especially on credit card payments and personal loans simply because the bank has nothing the repossess.

The CIBIL score is an indicator of a person’s financial robustness, it is indicative of behavioural pattern to some extent and also tells about the risk potential the individual poses.

The author is a credit expert with 10 years of experience in personal finance and consumer banking industry and another 7 years in credit bureau sector. Rajiv was instrumental in setting up India’s first credit bureau, Credit Information Bureau (India) Limited (CIBIL). 

Source….Rajiv Raj….www.rediff.com

Natarajan

 

 

Message for the Day…” Faith in God Should never Waver…”

Sathya Sai Baba

You may have immense faith in God. But from time to time, the power of Maya may undermine this faith. So be vigilant. In Mahabharata even staunch devotees of Krishna like Dharmaraja and Arjuna displayed hesitancy in following the advice of Krishna and had to be reminded of their duty through Bhishma and Draupadi respectively. Faith in God should never waver. In no circumstance should anyone go against the injunctions of the Divine. Whatever worship one may offer, however intensely one may meditate, if one transgresses the commands of the Lord, these devotional practices become futile. The reason is that the Lord has no selfish objectives or goals. It is out of small-minded, narrow and selfish motives that people choose to act against the sacred and noble commandments of the Lord. Even small acts of transgression may in due course assume dangerous proportions.

Google is much bigger than you think….!!!

Google Date Centres: Inside the campus network room, routers and switches allow Google’s data centres to talk to each other. The fibre optic networks connecting Google’s sites can run at speeds that are more than 200,000 times faster than a typical home internet connection. The fibre cables run along the yellow cable trays near the ceiling. Image: Google

TO THE average eye, it would seem fairly flawless — you type in a request, Google spits out an answer — but the reality, as the tech company shared this week, is far more complex.

Secrets that have never been shared outside of Google were revealed this week at an engineering conference in Silicon Valley, detailing the “insane” approach behind how its computer software answers your questions in Google Search, directs you on Google Maps, sends your emails and allows you to watch videos on YouTube, for example.

“Behind your simple page of results is a complex system, carefully crafted and tested, to support more than one-hundred billion searches each month,” Google writes in a search explainer.

It’s all thanks to one custom-built, “giant, single shared codebase” at Google, that runs through 10 different Google data centres, Engineering Manager Rachel Potzin revealed.

They call it a “single, monolithic repository model” and unlike most software companies, this one network juggles all of Google’s software, including Google DOCS,Google+ and Gmail, across its vast network. And it’s only available to a select number of “coders” within its organisation.

All the colours of the rainbow: A Google data centre in Douglas County, Georgia. Picture: Connie Zhou

All the colours of the rainbow: A Google data centre in Douglas County, Georgia. Picture: Connie ZhouSource:AP

Potzin estimated the software that keeps the service intact spans a whopping 2 billion lines of code. Wired compared it to Microsoft’s Windows Operating system, dubbed “one of the most complex software tools ever built for a single computer”, and predicted it ran along some 50 million lines. Google is the equivalent of 40 times that of Microsoft.

To keep up with the rapid evolution of the internet, its engineers modify and update around 15 million codes each week, helped by the use of bots to maintain code health, and keep the search engine running smoothly.

Google Data Centre, South Carolina: these ethernet switches connect Google’s facilities network. Thanks to them, Google is able to communicate with and monitor the main controls for the cooling system in their data centre. Image: Google

Google Data Centre, South Carolina: these ethernet switches connect Google’s facilities network. Thanks to them, Google is able to communicate with and monitor the main controls for the cooling system in their data centre. Image: GoogleSource:Supplied

“It’s frankly enormous and without being able to prove it, I’d guess this is probably the largest single repository in use anywhere in the world. I’d be very surprised if a larger more heavily modified single repostiry exists anywhere else,” Potzin said.

“In almost eight years our repository has grown by orders of magnitude on almost every dimension.

“There were times in Google’s history where we weren’t sure if we were going to be able to sustain this level of growth.”

In this day and age it seems like a mammoth task to handle such a gigantic bulk of information, but fast-growing, global companies like Facebook are joining the bandwagon.

It’s complex, but it’s an intriguing insight into how companies of today are bracing for the internet of tomorrow, and paving the way for how we, as humans, will interact with the online of the future.

Source…..-youngma@news.com.au…www.news.com.au

Natarajan

From Software Engineer to Beekeeper…

“When I decided to quit, I knew my parents would not understand. That was in the year 2009, when many IT professionals were being laid off their jobs. I used this as an excuse to lie to my parents that I too had lost my job. My father offered to get me a job at the Karur Vysya Bank in Karur, but I refused.”

For someone with a will to succeed, the possibilities are endless. All it takes is hard work and perseverance.

30-year-old Krishnamurthy, founder, Honey Kart, quit his job as a technical programmer at Wipro, and borrowed money from friends to become a beekeeper. Today he is not only debt-free but also processes 500 kilograms of honey every month that sells for Rs 716 per kg.

This, at a time, when he was offered a promotion with an option to travel to the United States for an onsite project.

It was a bold decision for someone with no clear idea of what he wanted to do.

But his determination has paid off, and today this scientific beekeeper has over 800 regular customers and processes half a ton of pure honey every month.

No joy in working in the city

I was born in a small village in Karur district of Tamil Nadu. My father is a farmer. When I was in Std II, he decided that I was not doing well at the village school. He sent me to Fairlawns Home School in Yercaud. Since then, I have always been away from home in hostels. Later I joined the Kongu Engineering College, Perundurai, Erode, and graduated in Communications.

Krishnamurthy

There was no particular reason for this choice. I guess I just chose the course that was trending that year.

I did quite well in college. A campus interview got me placed at Wipro. I completed my training in Bangalore and moved to Wipro, Chennai. Everything was exciting at first, a new job in a new city and plenty of friends. But life soon settled into a machine-like existence. I woke up in the morning, took the bus to my office, where I spent the entire day and at times worked well into the night. It was not that I did not enjoy my work, but slowly a sense of dissatisfaction crept in. I felt no sense of accomplishment. City life lost its appeal. The novelty and excitement of the early days had worn off.

About two years into my job, I was offered a promotion. I was given an opportunity to move to United States for a project.

But by then, I was seriously thinking about quitting.

I felt that this was the right time to make a decision.

Do I take the onsite project and see where life takes me, or pursue something that would make me happy. After much thought, I decided to quit.

Finding myself a new career

It took me almost two years to decide, what I eventually wanted to do with my life. I would not call this a period of struggle, it was a period of learning, understanding myself, and understanding society.

When I decided to quit, I knew my parents would not understand. That was in the year 2009, when many IT professionals were being laid off their jobs. I used this as an excuse to lie to my parents that I too had lost my job. My father offered to get me a job at the Karur Vysya Bank in Karur, but I refused.

I moved in with some friends at Tiruppur. I was looking for some low-investment ventures. I first entered into share trading. Within a year, I lost one lakh and decided to quit.

Export was the next option. I stayed for a few weeks with another friend near Ernakulam in Kerala studying cuttlefish bone export; then researched turmeric, coir fibre and even some handicrafts.

I was looking into the export of honey, when I realised there is huge market for honey in our country. The more I learned about it, the more intrigued I became. I knew this was something I would enjoy doing.

The scientific beekeeper

By then, however, I had exhausted all my savings. I borrowed RS 300,000 from my friends and moved to Aravakuruchi, about 30 km from my village.

I purchased all the equipment I needed. There was plenty of bee flora in the area and farmers in the district were more than happy to let me place my hives in their farms. Pollination of bees actually helps boost crop yield by about 30 per cent with no additional labour or cost.

Unfortunately, within weeks I encountered my first major problem. My bees were struck by some disease and this was slowly destroying the entire hive and spreading to other colonies.

I contacted many professional beekeepers, both traditional and those using the latest technology. All of them suggested the use of antibiotics.

I believe that natural honey should not contain any antibiotics. Prolonged use of antibiotics for controlling or preventing the spread of disease in bees often results in accumulation of antibiotic residue in the honey produced.

I was looking for a solution without the use of antibiotics. I started a more comprehensive study on beekeeping. I researched on the problems faced by the beekeepers in our country, the pests and diseases that affect the bees and the reasons behind it.

I understood that natural beehives are never infected by disease. It was only when man started to control it that these problems cropped up. We now needed to go back to the fundamentals; we needed to reverse everything that man did and mimic the natural environment that bees thrived in.

I slowly began to create the ideal environment for my bees — well-aerated pollution free surroundings with a good water source. It took nearly a year for me to understand all the finer nuances of beekeeping. I had lost more than 65 per cent of my bees to disease, but steadily the numbers improved and I recovered them all.

Today, I have disease free colonies producing high quality honey without the use of any antibiotics. If stored in glass bottles at room temperature, my honey has a shelf life of five years.

Over a period, I began to specialise in uni-floral honey. During the flowering season, I direct my bees to a particular flora, namely coriander, drumstick, glory lily, mango, jamun or sunflower. The honey thus collected retains the special flavours and qualities of that particular flora. The taste, smell and colour of every uni-floral honey are unique. Mango honey will be sweeter while coriander is better known for its health benefits.

We have recently introduced a special honey for babies and pregnant women. This is processed from the season’s first harvest ensuring that there are no allergies.

A lot of research went into picking the right flora, identifying its medicinal properties and learning how it can enhance the goodness of honey. This earned me the title of a scientific beekeeper.

Perseverance: The key to success

The local market did not understand the quality of my honey or the efforts I put in. So I started my own website and a Facebook page. I do most of my business online. Initially it was all about trying to survive, but today, I have more than 800 regular customers, mostly from the Southern States. I process about half a ton of honey every month, selling it at Rs 716 per kg.

A year ago, I repaid all my loans. Now I have plans to expand. With the diverse flora available in our country, the possibilities are limitless. Though I have done well for myself, I still feel that my parents don’t approve. They would rather have their son in a white-collar job in the city.

But I did not want to live my life as an IT engineer. I wanted to prove that I could be just as successful in my hometown.

I do not regret any of my decisions. The four years of my education, two years at Wipro and the subsequent years of uncertainty, everything has moulded me to what I am today. We have but one life to live and I don’t believe in living a life of regrets.

In the end, success is all about making the best use of your resources and perseverance. Instead of waiting until your old age to grieve about all that could have been, be bold enough to follow your heart. Find out what makes you happy and never give up.

Photographs: HoneyKart/Facebook

source….S Saraswathi in http://www.rediff.com

Natarajan