Insurance: Fine Print

Third - party Cover Excludes Pillion Riders?


The Kerala High Court (KHC) has ruled...

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Pulse Beat

How To Stop Bad Breath?

Dry mouth is a good invitation for bad germs to grow and multiply there. Drink enough water to keep your mouth always wet with saliva. Saliva is an effective bad-germ-killer and protector of billions of good germs in the mouth. Zinc in food, or even as a supplement, is very good for maintaining good oral health. Parsley is a good vegetable for fighting bad mouth odour as it contains sulphur-producing germs. Eating crunchy hard foods, like apple, can even cleanse the teeth of tarter build up which, in turn, discourages bacteria growth. Do not use chemical mouthwashes; they are dangerous!

Pineapples Are Better than Cough Syrup

Pineapple contains lots of bromolein which is good to get tenacious mucus out of the system. In addition, it also contains vitamin C in large doses, which is good for the immune system, and also many other immunity boosters.

Silver Nano-particles Shine where Antibiotics Fail

We have been using silver nano-particles in water, to treat diseases ranging from Malaria to HIV with remarkable results. Professor Mariana Henriques and her colleagues from the University of Minho tested various sizes of silver nano-particles, to gauge their efficacy in treating mouth infections, with good results. The study was published in the journal of the Society for Applied Microbiology - Letters in Applied Microbiology.

Stop Mosquitoes from Biting You

If you consume garlic, mosquitoes tend to dislike your blood. Another natural repellent for mosquitoes is the marigold plant. If you have one around the house, it will keep mosquitoes at bay. If you are a pet lover, the best pet to have around is a friendly bat. One bat can eat up to 8,000 insects every night!

Set a Thief To Catch a Thief

Recent research shows that the best way to lose weight is to take more fat by way of coconut oil and its products. This contains medium chain fatty acids and, therefore, increases the metabolism. In addition, it contains plenty of lauric and capric acid both of which are powerful germ-killers, especially fungi and bacteria. They can also be effective against viruses. Coconut oil is made up mainly of monolauric acid, the building block of the human immune system.

Foods that Increase the Risk of Cancer

Alcohol is one of the great abettors of cancer. Avoid drinking it if you can, for best results, or reduce your intake, if you cannot stop or avoid alcohol. Boiled, fried or broiled meat is another cancer stimulant. Drinking a couple of glasses of milk daily is a good invitation for prostate cancer and so is taking calcium supplements orally. Smoking, of course, is a well-known friend of many cancers. Eating plenty of fruits and raw vegetables is a nice way to keep cancers at bay. Eating in moderation will help.

Vaccine Research and Its Darker Side

Fraud is the other name for vaccine research. Vaccine manufacturers use all sorts of methods to sell their wares, ethical and unethical. Now, a vaccine scientist funded by National Institutes of Health (NIH), who was celebrated as achieving a breakthrough vaccine against HIV, has confessed to spiking the test subject blood samples with antibodies. Dong-Pyou Han had taken $5 million in NIH grant money to further his ‘research’ at Iowa State University. The mainstream media and vaccine advocates had hailed his research as “ground-breaking, ‘game-changing’ advancements in the search for an AIDS vaccine.”(


Is the Indian market overvalued? Credit Suisse says No

While India is more expensive than emerging markets, it is far below the peak premium it enjoyed in July 2010 over the world markets


The Indian market has been re-rated sharply, which means that investors are willing to pay a higher price for shares in anticipation of higher earnings in the future. Will earnings keep up pace? According to a recent report from Credit Suisse, the MSCI India one-year forward PE is at 16.3x. This is closely approaching the previous peak seen last in October 2010. However, it is still much below the peak seen November 2007 when the forward PE was near 24x. India’s PE premium to that of emerging markets is at a five year high.


Credit Suisse is of a view that the “Indian market has been driven by improving risk appetite globally as well as a bottoming out of growth, and not just the change in government. Thus, while some in the market may be disappointed by the pace of change driven by the new government, the broader market is likely to still do well.”


“We have found many investors uncomfortable with MSCI India one-year forward PE of 16.3x, particularly as India's premium to other EMs (Emerging Markets) is near a five-year high,” states the Credit Suisse report. Further the report mentions that it finds the emerging market basket inappropriate as “the expected recovery off the bottom for the other emerging markets is much more tepid than in India.”


Credit Suisse therefore compares the India’s premium to that of world markets as “that best captures the environment of improved risk appetite globally”. It says, “The measure is the premium of MSCI India vs. MSCI World, which has moved a mere 13% from bottom, and at 10% is still much below the Jul-10 peak of 46%. This comparison demonstrates the inflation in asset prices globally, as also seen in low junk bond yields”

Therefore, the CS expects the market to do well even if the new government disappoints. “Sectors with robust earnings growth like NBFCs, discretionary, autos, IT and pharma should drive upside. PSU banks and late-cycle industrials, driven by hope, may lag,” states the report.


With respect to the global environment, the report states that, “given growth concerns in China, political issues in Thailand, geopolitical risks for Russia and a growth decline in Brazil, these markets have continued to struggle. Instead, the economies that are seeing their growth bottom in 2014 such as Korea and Taiwan have outperformed this year: only Mexico has lagged.”


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