Antiseptics, soaps, and antibiotics have created a new world of killer super bugs—multi drug resistant germs—which are now threatening the world. The world needs deschooling about the benefit of looking after the germs in their natural habitat for our own good in the long run
“Louis Pasteur's theory of germs is ridiculous fiction”—Pierre Pachet
Thanks to the soap and antiseptics industry, the whole world is becoming obsessed with the fear of germs. Last night I was watching the TV screen ad of an antiseptic soap in Tamil, which made me think of writing this note. There the child was telling her cat not to come into the house. The mother was watching from behind. The child told the cat “don’t come inside, mummy will hit you.” The mother then takes the child for a bath with that soap telling the child “mummy will hit not the cat but will hit the germs (kirmigalai) with this soap!”
Early this morning I saw the usual sight of the municipal corporation lorry carrying the waste dumps for incineration. The lorry had five workers and a couple of rag pickers who hang on to get some gold in the dumps! One of the women had an infant whom she put on the front seat of the lorry while they were loading the vehicle. They rummage through the contents as if it were some heap of gold! The woman breast feeds the child in between. One cannot pass by that area because of the foul smell. I have been seeing this scene being enacted daily. Despite my pleas to the powers that be the routine has not changed. These people do not have gloves or shoes. They bring their breakfast and eat it while on duty. They keep smoking beedies in between. I have not seen them wash their hands any time!
This also brings to mind the study of asthma in Mumbai slums compared to the best homes there. The ratio of asthma incidence was ten to one in favour of clean kids! The multitude of germs in the slums keeps the children’s immune system robust to avoid asthma. Whereas the child from the wealthy home gets antibiotics for even a common cold, the slum child probably has not come in contact with antiseptics and/or antibiotics, thus keeping its immune system robust. A crawling baby will go to every corner to pick up the dirt to eat! It is hardwired before birth to do that to get germs inside to strengthen the immune system! During delivery the baby acquires trillions of germs of all kinds into its orifices from the mother’s genital tract. Naturally a Caesarean section baby will be poorer to that extent.
For every cell in your body there are nine germ cells. No one could scientifically be proud because s/he has to have those germs bossing over her/him! Human meta-genome has about 25 thousand human genes while it also has 2-3 trillion germs genes. We have been living happily ever after with them inside us. Do not hate them from outside also. They are our friends and saviours indeed! When one takes antibiotics the gut gets depleted of these friends and then we suffer from immune deficiency. Today fatal gut infections are treated by transplanting fresh stools (faeces) from a healthy donor, faecal transplant. If one is lucky to have his mother alive her faeces will cure the fatal infections in minutes to hours! Mother’s gut germs are identical to ours, anyway! Resetting the gut germs is the best way to build our immune guard.
Antiseptics, soaps, and antibiotics have created a new world of killer super bugs—multi drug resistant germs—which are now threatening the world. Sooner we wake up the better. The newer quick dust eating washing powders have another danger lurking in the background. Many of them use bacillus subtilis as their base. This germ generates a protein residue when it works on clothes, etc. This protein is a lung poison. It provokes an incurable lung disease called Fibrosing Alveolitis (cryptogenic) which has no cure!
The world needs deschooling quickly about the benefit of looking after our friends—the germs in their natural habitat—for our own good in the long run. Let children play in the dirt outside in the sun. Simple inexpensive oil-based soap is all that is needed with clean water to wash one’s hands or for taking bath. No antiseptic soaps are needed. They could damage one’s immune system in the long run.
“A sad soul can kill quicker than a germ”—John Steinbeck
(Professor Dr BM Hegde, a Padma Bhushan awardee in 2010, is an MD, PhD, FRCP (London, Edinburgh, Glasgow & Dublin), FACC and FAMS. He is also the editor-in-chief of the Journal of the Science of Healing Outcomes, chairman of the State Health Society's Expert Committee, Govt of Bihar, Patna. He is former Vice Chancellor of Manipal University at Mangalore and former professor for Cardiology of the Middlesex Hospital Medical School, University of London. Prof Dr Hegde can be contacted at [email protected].)
As correctly predicted by Moneylife, the NSE also announced reduction in transaction charges from next month citing the need to increase liquidity and encourage wider participation of investors
Mumbai: Two days after the privately promoted MCX Stock Exchange (MCX-SX) bourse announced up to 50% lower transaction fees for the prospective broker-members, country's largest exchange National Stock Exchange (NSE) also announced a reduction in its fee, citing the need to increase liquidity and encourage wider participation of investors, reports PTI. Moneylife on Monday has correctly predicted that NSE, the most expensive but richest exchange would soon follow the suit and this may start a bloody price war among exchanges.
The reduced charges, not yet quantified, will be effective 1st October, NSE said in a statement.
"The move will help increasing the liquidity and make transactions cost-efficient, which is expected to bring more investments into the market," an NSE spokesperson told PTI.
The yet-to-be operational MCX Stock Exchange on Monday announced lower transaction charges to the tune of 50%.
The NSE members will be able to set off annual subscription charge of Rs1 lakh per annum against their transaction charges, the bourse said, adding the annual subscription charges are no longer a fixed overhead. "This will give an immediate relief to over 1,400 trading members," an NSE statement said.
In the F&O segment, advance transaction charges are currently being offset against transactions charges of the current year. Whatever is not utilised can be carried forward till they utilize the same.
Just as in the case of rural VSATs etc, where adjustments have been made against transaction charges, the exchange has decided to give benefit of annual subscription charges in the capital market segment.
In 1996, when the cash segment was introduced, charge was Rs10 for a lakh of trade for any traded value. In 2000 it was brought down to Rs4 for traded value above Rs800 crore and Rs7 for traded value up to Rs200 crore.
It was further brought down in 2005 to Rs3.50 per lakh of trade for any traded value and then again in 2009 it was brought down to Rs3.25 for a lakh of trade for traded value up to the first Rs1,250 crore and Rs3 for traded value above Rs15,000 crore.
In the Futures & Options too, the transaction charges have been brought down several times. In July 2001, for both futures and options, fees was levied (after an initial waiver in 2000) at Rs2 for a lakh of trade, the NSE said.
In 2005, charges on options began to be levied on just the premium and not the traded value. In 2009, futures fees was brought down to Rs1.90 per lakh for traded value up to the first Rs2,500 crore and Rs1.75 for traded value above Rs15,000 crore.
The total spends made on all credit cards issued in the country as on 31 March 2012 was Rs96,000 crore and it is likely to go up to Rs1.2 lakh crore as on 31 March next year
Hyderabad: SBI Cards, a joint venture between State Bank of India (SBI) and GE Capital, is targeting to add one million new customers by 2014-15, reports PTI.
SBI Cards is presently the second largest issuer of credit cards in the country in terms of new cards issuance and the third largest in terms of Accounts-in-Force.
With a current customer base of over 2.3 million and a total asset base of Rs2,500 crore, SBI Cards operates through a footprint of 50 cities in the country.
"SBI Cards is doing extremely well. We turned the corner as on 31 March 2011. 2012 we made very good profits. Our expectation is that in the next many years, our profitability will go up definitely.
"Also, we plan to add one million new customers by in next two-three years. But more than that, we will be delivering on our brand promise of make life simple," Kadambi Narahari, Chief Executive Officer, SBI Cards (SBI Cards and Payment Services), told reporters.
The total spends made on all credit cards issued in the country as on 31 March 2012 was Rs96,000 crore and it is likely to go up to Rs1.2 lakh crore as on 31 March 2013, he said.
The credit card industry in the country has matured dramatically over the years with delinquencies coming down substantially, he said.
"You don't have a situation where people are using their credit cards recklessly. They are very responsible. They are now using the credit card as a financial instrument for their own personal financial planning. So, I can see that the delinquencies come down dramatically from the good old years.
That is because the number of card holders who are defaulting on the cards is also coming down. So, today we are seeing a mature credit card market compared to what it was a few years ago," he said.
SBI Cards also launched Click2Card, a customer-friendly online credit card application service, in Andhra Pradesh.
"With the internet and e-commerce boom in India, customers are increasingly looking for financial products online. Click2Card is another innovative service offering from SBI Cards and is in line with our digital roadmap. The new platform will offer significant customer benefits," Narahari said.