| 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:
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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.
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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
Famous Concorde supersonic airliner could start flying again ….
How good would travelling to Europe in less than 14 hours be?
THE Concorde supersonic airliner looks like it will make a return to the skies thanks to some aviation enthusiasts with very deep pockets.
Club Concorde, a group of ex-pilots, airline executives, engineers and Concorde enthusiasts have unveiled their plan to have the legendary jet back in the air by 2019.
It has been nearly 12 years since Concorde took its last flight, with the final journey occurring on October 24th, 2003.
Although they need a little maintenance, these fully-functional planes are scattered across the globe in aviation museums and science centres.
The particular plane Club Concorde is after is located at Le Bourget airport in Paris, which they want to buy and restore for around $250 million.
Once the restorations are complete, Club Concorde wants to use the iconic plane at air shows, corporate events and for private charters. At this stage, there are no plans to resume commercial flights.
The pride of British aviation, the Concorde making its final landing in 2003.Source:News Corp Australia
Flying at Supersonic speeds, a Concorde could fly between London and New York in a little less than three hours. In Comparison, a regular commercial flight can take around seven hours. However not many people got to experience this speed in its years in the sky. Due to limited seating capacity in the planes, ticket prices for regular economy seats were often around the same price as a first-class ticket in a standard airliner.
The Concorde’s 27 year life came to an end in 2003 following severe financial problems. A crash in 2000 which led to the death of all on-board passengers and crew, high maintenance costs and lack of customers after 9/11 was reported as the main reason for its downfall.
Despite the fact that we will most likely never see another commercial Concorde, companies such as Boeing and Lockheed Martin and even NASA are working on ways to have commercially available supersonic airliners in the air again by 2030.
Source….www.news.com.au
Natarajan



















