World News

Wednesday, September 21, 2011

15 ways to select text in a Word document

Besides entering text, selecting text is probably the most common task for most Word users. Almost every task begins by selecting something. Perhaps that's why there are so many ways to select text. The following list includes the methods I use. There are more - I left off a few because I've listed easier methods. If you have a favorite that I haven't listed, please share it with us.

Click and drag
Probably the most intuitive and common way to select text is to click and drag the mouse in any direction.

[Shift]+arrow
To move one character or one line at a time, hold down the [Shift] key while pressing the right and left arrow keys and the up and down arrow keys, respectively.

[Shift]+[Home] | [End]
Pressing [Shift] + [Home] selects everything from the insertion point to the left margin in the current line. Similarly, [Shift]+[End] selects everything from the insert point to the last character to the right.

Double-click
To select the current word, double-click it. Word will select to the left and right of the cursor, until it encounters a space character.

Triple-click
A triple-click selects the current paragraph.

Margin+click
To select an entire line, move the cursor into the left margin. When you see the insertion pointer turn into an arrow pointer, click. Doing so will select the current line. You can also press [Home]+[Shift]+[End], but doing so is a bit awkward.

Margin+click and drag
This selection method is similar to the previous one. If you drag while holding down the mouse, Word will select multiple lines, even paragraphs. Word will stop selecting when you stop dragging.

[Ctrl]+a
Pressing [Ctrl]+a selects the entire document.

[Ctrl]+click
To select a sentence (not just a line), hold down [Ctrl] and click any place within the sentence.

Click+[Shift]+click
To select a block of text, click at one end of the block. Then, hold down the [Shift] key and click a second time at the opposite end of the block.

[Alt]+drag
This combination selects a vertical block. While holding down [Alt], click and drag up or down. (You must press [Alt] first.)

Selection+[Ctrl]+selection
To select two noncontiguous blocks of text, select the first bit of text. Then, hold down [Ctrl] while you select the next, and the next, and the next - use it to select two or several non-contiguous areas. (I probably use this one more than any other besides click and drag - it's great for applying the same format to several spots.)

[Ctrl]+[Shift]+[Right arrow] | [Left arrow]
Use this combination to select from the current position to the right or left of the current word, depending on whether you press the right or left arrow, respectively.

[Ctrl]+[Shift]+[Up arrow] | [Down arrow]
This combination selects from the current position to the beginning or ending of the current paragraph, depending on whether you press the up or down arrow, respectively.

[Alt]+[Ctrl]+[Shift]+[Page Up] | [Page Down]
This is another awkward keystroke combination that selects from the current insertion point to the beginning or the ending of the current window (what you see on the screen), respectively. This one's awkward enough that I'd probably use a quick click and drag instead.



If you have found the above information useful, feel free to make a small payment of US$ 1 to my paypal account rmillwala@hotmail.com as a token of your appreciation and to enable me to devote more time to this blog.


Monday, November 17, 2008

Home Remedies

Ajwain: Carom seeds or Celery.
Toasted and made into potli and used as fermentation for chest and back, help relief asthma, cold and cough. In olden days people would roast Ajmo and smoke through smoking pipe or bidee during winter to get relief from Cold, Cough and Asthma. While taking deep breath through Ajma, sooths mind and the brain. Help in lowering cholesterol. for breast feeding babes to adult - a solution of Ajwain and Khadi-sakar - in boiled and cooled water used at regular intervals help release gases and stomach problems.

Almond:
Best source of Vitamin E, Calcium and Iron. Five Almonds soaked in water overnight.
skinned and taken with a teaspoon of honey and a glass of milk in the morning helps
anemic conditions.

Amla: A type of Indian Berry
A potential of Vitamin C. Help person with kidney and heart problem.
strengthens heart muscles. - “Chawan prash” -
One Amla is equal to two sweet lemons.

Ani seeds: Sonf
Good for eyes and stomach. Help digestion. A mixture of toasted sonf, shelled Dhania seeds toasted and sugar used as Churan after meal is good for eye sight and helps digestion, apart from being a healthy mouth freshener.
Ash gourd: Doodhi
Ash gourd use as vegetable and soup, also Doodhi nu doodh is very good for the brain (has cooling effect) increase intelligence and memory.

Bitter gourd: Karela
It is a very important vegetable. Aid in stomach problems. Juice of raw Karela
taken first thing in the morning by Diabetic patient help in lowering blood sugar.

Carbohydrates:
Grains contain good carbohydrates. Soaking grains allow for the break down of the phytic acid in the grain, which research shows can block mineral absorption.

Cardamom: Elaichi (Queen of Spices) Oil used for aroma therapy.
Person who cannot digest milk should either take Cardamom with milk or take cardamom
after a glass of milk. One should take elaichi after consuming such products. Usually our Indian dairy products contain elaichi. Cardamom helps in lowering acidity as well lowers cholesterol.

Castor oil:
It eases burning sensation of the burn part and burn mark does not remain.

Cauliflower:
Cauliflower is a nutritious vegetable rich in minerals and vitamins. It contains iron and calcium. Does not have starch. Safe for diabetic people and weight watchers. Every part of this vegetable is useful.

Chic Peas: Chana
Eaten along with peanuts, known as best of poor man’s diet is full of proteins and fiber. Peanut oil contains monounsaturated fat very important for body cells, use occasionally.

Cinnamon: Dalchini
Has Cancer fighting properties. Powdered Cinnamon should be handy and used for sweet or hot dishes.
Powdered cinnamon added to hot milk and taken at bed time help person suffering from
insomnia.

Clove: Brings aroma in cooking.
It increases appetite and helps in digestion. Roasted clove kept in the mouth relief cough, throat ache, cold and high blood pressure.
Clove oil used in a small cotton bud and pressed against aching tooth relieves pain,
strengthen gum and repair gum disease.

Coconut oil:
Coconut and palm oil is among saturated fats. While coconut oil have a potent antibacterial, antiviral and anti yeast properties. It aids in detoxification of the body. Also helps in stimulating the body’s metabolism which may help weight loss. Ten ounce of coconut contain three and half teaspoon of coconut oil.

Coriander seed: Dhania
Person suffering from bile should take a mixture of whole Coriander seed, Ani seed
(sonf seed) and khadi-sakar boiled in water taken at regular interval.(The water should be used)
Coriander which is widely used in the Indian kitchen has effective cooling properties.
Boil whole coriander grain when cool add a few drops of honey, use as ear drops improve hearing.
Crushed Coriander seed and raisin, soaked overnight and the extract given to Malaria
patient lower fever and stops vomiting. To ward off thirst during high fever, a solution of crushed dhania, flennel seed (sonf) and sugar should be administered to the patient.

Cumin seed:
Give strength to the eyes. Takes away stomach heat. Help digest food.
Cumin seed and khadi-sakar chewed and the juice taken in is good for Diarrhea and
Dysentery.

Black Cumin seed: Shahjera
It is believe to anoint love.

Dark lips:
For dark lips, take equal part:
1) Coconut oil and lemon juice, apply daily at bed time, color will improve within days.
2) Sock some saffron in rose water and apply to the lips, keep for five minute then wash off, improves lip color.

Dates: Khajur
A source of natural sugar. High contents of Vitamin A, and C. Help in building body
tissues. Best for anemic condition.

Dil: Sua
Used as mouth freshener served along with Ani seed and split Coriander seed with other nuts, help digestion. Relieves constipation. Especially relief from gas, lowering cholesterol and also eases stomach crams and increase appetite.
In case of severe chest congestion and wheezing add dil and mint leaves to boiling water and inhale.

Egg:
Prevent eye and heart disease. Its low in saturated fat while provide important nutrients. Its yolk is among the very best source of Lutein, an antioxidant that may prevent age related muscular degeneration.
Imp: Though egg yolk contain 2/3’s mm cholesterol recommended daily value, research show that it also contains phosphate cycholine that decrease the absorption of dietary cholesterol contained in the egg into the bloodstream. One egg eaten a day is “unlikely” to play any role in the heart disease.

Eye lashes:
Mix equal part honey and castor oil (used for constipation) keep in a bottle. Apply to the eye lid at bed time. It makes eye lash strong and heavy and eyes beautiful.

Fenugreek seed: Methi
Both the seed and the green are good in protein and vitamin. Fenugreek seeds about twenty one and up, soaked overnight and taken first thing in the morning give energy and lower obesity and cholesterol. Cut down excess fat from body. That is why we use them in our pickles and seasoning.
Fenugreek powder mixed with butter and sugar take in the morning by an appendics patient gives relief from the pain and cures it.

Garlic:
Help in fighting heart disease whether used raw or in cooking. It cuts excess body fat, fight cancer, lower blood pressure and cuts cholesterol. It is known to improve vision. If used along with onion, has great healing and antiseptic properties. It kills stomach worms.

Ghee: Purified Butter
One of the most important source of saturated fats. Good health is not possible without adequate amount of saturated fats. They give our cells the strength to maintain structure. Fats contain more energy than proteins or carbohydrates. Fat is essential for forming cell membranes and for hormone production. Adequate amount of fat gives satiety which make us eat less.
Inadequate fat intake can lead to vitamin deficiency, since fat is an important carrier for fat soluble vitamins, including vitamins A,D,E,K. every cell membrane contains fats and all steroid hormone are produced from the fat like substance cholesterol. Without adequate amount of cholesterol, hormone production will not take place and the immune system will not function properly. In addition protein cannot be adequately utilized without proper amount of fat in the diet.

Ginger roots:
One teaspoon dried ginger powder (sooth) mixed with one teaspoon castor oil take by mouth eases joint pain and help relief rheumatism.
A teaspoon of sooth powder added to one teaspoon of honey and taken before bed time and early morning help patient suffering from whopping cough and also thins phlegm.
Grated ginger root, unrefined sea salt added to lemon juice is a gourmet item on the table.
Increases appetite, and help digestion.

Green chilly:
Great source of vitamin and mineral. Used in moderate quantity, is like any other vegetable. Eaten raw help relief severe headache, migraine and nasal congestion. If one cannot take the raw form, fry them on a griddle with very little oil, add salt and lemon juice, eat it with food and chapatti (tortilla) that also works.

Gum:
Gum is an energizer. That is why newly delivered mom given in a variety of ways. It rejuvenate the entire system. Good for anemic conditions, muscles, bones and joints. Also improves vision. Eaten raw is more preferred.

Hair:
100 stroke myth has been ruled out by recent research. Brushing makes hair look healthy by distributing nature’s conditioner –‘sebum’ (natural oil). Brushing also makes hair look shiny as it distributes sebum and flattens the cuticles.
Over brushing can strip away its cuticles, make hair weak and more likely to break. Careful brushing with a mixed bristle brush two to three times a day is enough.
Always apply warm hair oil to the hair before hair bath. This will strengthen hair roots and leave the hair smooth after shampoo.
To repair hair loss or prevent hair falling, add fenugreek powder to coconut oil and apply to the hair and scalp at night and rinse off in the morning.

Honey:
Honey with lemon juice added to warm water and take first thing in the morning improve body immunes system, give energy and melt excess body fat.
Honey applied to the eye at bed time improve vision and slow cataract formation.
Honey applied on burn and scalds fastens recovery and prevent infection.
One teaspoon of honey with a big pinch of unrefined sea salt at bed time eases sore throat and thins phlegm (bulgum).
Honey applied to teeth, whitens them and strengthens gum.

Iodine:
It is a surprise that no berries except the Indian Bore contain iodine. Our fruits and vegetables are not good source of Iodine.
Iodine is one of the most important mineral that help in the cure of thyroid. Iodine is found in sea food and sea weed. China grass could be one of the sources of Iodine. Indian Bore churan is a good source of Iodine.

Lemon:
Lemon juice with jaggery (soaked overnight), next day add Sanchar (purple black salt), a little unrefined sea salt, jeera powder and pepper powder make a healthy summer drink. Protect from sunstroke and hey fever.

Margarine:
Margarine and other hydrogenated oils must be totally avoided. It contains trans fatty aids that may cause vitamin deficiencies in the body and damage our cells.



Money:
Money is the most important vitamin of all, but its nature is slippery. Should be carefully handled or it will handle you. It can buy any and every thing but ‘Health’.

Mustard or Rye:
Mustard powder mix with honey and pure ghee and applied to cuts and wounds to prevent infection and help healing faster.
If and insect has entered in the ear put two to three drop of mustard oil into the ear, it will kill the insect and it will swim out.
Smearing mustard oil with your little finger in each ear improves hearing.
A little mustard or olive oil and some salt put on lemon skin and rub on the elbow keep the elbow soft during winter.
Mustard seed used as seasoning in vegetable, like potatoes and French beans help in lowering gas. French bean is very gassy, so mustard seed is good for seasoning. Again the best seasoning for French bean is Ajwain.
Mustard oil is good malish for joints and aches.

Nutrients:
All the nutrients are present in the air we breath. But just because we cannot merely survive by air. Allah Subhanahu have encompassed them in a variety of fruits and vegetable. Hence we should (if available) include a rainbow of vegetables and fruits in our diet.
They are fortunate who take can advantage of out door life and breath good amount of healthy nutrients. Their bodies are free from toxins and lead a healthy life. Walking therefore is one of the best exercise. It increases appetite.

Olive oil:
Olive oil is very high in oleic acid. Should be used in light cooking or better for salad dressing and spreads.

Onion:
Onion along with garlic is known as the “Kasturi (Musk)” of the poor man. It helps body immune system. It is good for heart patient, lower obesity and act as antiseptic.
A solution of onion extract mixed with cumin seed and sugar help in lowering hey fever and sun stroke.
It is a popular belief, when you travel from one place to another, carry an onion with you and eat it. The reason is if the place or country you enter has any type of epidemic or viral will not affect you.

Peanut:
It is a poor man’s food loaded with amino acid. The soluble fiber in peanut control blood glucose and prevent dietary fat and cholesterol from entering the blood stream.
It is small wonder that these folk are neither obese nor suffer stroke or heart disease to name a few.


Peanut Oil:
Combat diabetes and heart disease. It is a good source of fiber. Peanut oil and its insoluble fiber help food speed through the digestive track. It is rich in amino acid. It helps in relaxing blood vessel for better blood pressure control.

Pepper Corn: ‘King of Spices’
Two whole pepper corns wrapped up in five basil leaves and five kari-patta leaves if
chewed properly and eaten first thing in the morning helps in Cancer patients, people
with Diabetes, high blood pressure and any type of heart diseases.
Pepper and raisins (few of each) take in the morning improves memory, helps in
urine problem and constipation. It’s a good blood thinner. Helps in cold, cough,
asthma and palpitation of heart.

Pumpkin seed:
Pumpkin seed is healthy for brain and heart patients.

Red chilly powder:
Used in moderate limit helps digestion, eases swelling of joints, helps in any type of
rheumatism and arthritis. It is a potential source of antioxidant. No wonder, its moderate use benefits, add flavor and taste to food.
The hot ingredient called ‘capsaicin’ in the chilly is an effective weight loss tool. It is true, people tend to consume less when the food is “hot”. It also rev up metabolism, so you burn more calories even without exercise.
The capsaicin relieves sinus congestion by stimulating mucous membrane secretions.
Red chilly pepper also contain more calcium and vitamins than apple or tomato. In small quantity, it has more antioxidant. It helps flushing out destructive oxygen molecule responsible for aging.

Rose water:
It is one of the best antiseptic for cuts and infection. It is a powerful astringent and toner. It is also a natural antibacterial and anti allergy solution.
A drop of pure rose water put in each eye at bed time help cooling, good for dry itchy, red and watery eye.
Equal part of rose water, lemon juice and glycerin solution best for soft and supple skin especially effective for cuts in the heel during winter.
Few tablespoon of rose water added to a bucket of water used as final rinse after bath is very refreshing and aromatic.

Salt: (subras) unrefined sea salt or Himalayan crystal salt:
Unrefined sea salt has potential minerals, like potassium and magnesium. Sanchur (purplish black salt) use for panipuri and chat masala helps digestion and lowers acid reflux. Rock salt is also a good source of potassium and magnesium.
A large pinch of unrefined sea salt at bed time with water relieves night cramps.
Salt is an alkalizing agent. A big pinch of unrefined sea salt before and after meal prevents reflux and lowers acidity.
Unrefined sea salt is essential for proper bone density and strength.
Unrefined sea salt along with water is most affective expectorant.
Low sodium and refined salt causes adrenal malfunction leading to high blood pressure, imbalance cholesterol level, fatigue and headache. It is also responsible for thyroid disorder. Abnormal sodium level is also responsible for seizure disorder and malfunctioning of the kidneys.
It is very difficult to control blood sugar in diabetics without adequate unrefined sea salt intake.
On an insect bite, a pinch of unrefined sea salt rubbed on the area and pressed so much so that the salt melts will take out the sting.
Unrefined sea salt is best used with warm water to ease feet swelling and also gargle to help ease sore throat. Unrefined sea salt added to bath tub water is a fine rinse and very stimulating and refreshing.

Sesame seed:
Sesame seed controls over spilling bladder. Black sesame seed are particularly helpful in excess urine problem.

Skin care:
Keep a mixture of lemon juice, rose water and glycerin (equal part) handy. Apply day and night throughout the year keeps the skin smooth and soft.

Spinach:
It is rich in iron. Lutein in spinach is another source of vision protection along with egg. Why not egg Florentine?

Tamarind:
Tamarind juice along with jaggery and dates makes a very good sherbet for summer heat.
Help settle hey fever.

Turmeric: Haldi
It is an important spice used in our daily cooking and help in arthritis and joint pain. Haldi paste applied on joint pain and swelling give relief. Taken it with honey in the morning and at night ease cough, cold, asthma and joint ache. Half teaspoon of turmeric added to a glass of hot water and taken in small sips eases sore throat and clear the voice box.
Curcumin in turmeric is an active ingredient and that helps in turmeric’s healing power. Use of turmeric ie; that is adding curcumin to cancer cells found to suppress most of them and stopped others from spreading. It has also been found that curcumin may protect skin during radiation treatment.

Vinegar: Nature’s liquid gold
Just as vinegar helps in cleaning clogged gutter, it also helps in clearing the digestive track. One teaspoon vinegar taken before or after meal lowers acidity and digests food.
Vinegar help keep bowls clean. Apple cider vinegar is considered to be good.
Vinegar applied on burn give cooling effect and help healing.

Water: Drinking eight glasses of water a day! An Old Myth!
Professor of nutrition together with scientists conducted a study for food and nutrition-------- looked into the rule. After sifting through the research, they could not find any supporting evidence.
While our bodies lose eight to twelve cups of fluid a day, we take in water from foods and other liquids. As such our need for water can be met through drinking milk, coffee, tea, as well as eating fruits and vegetables, fish, meats and poultry. In fact drinking too much water may flush away vitamins with other toxins.

Watermelon:
It aids prostate health. Water melon contain 40% more lycopene than tomatoes. It is a good breakfast item. It helps block plague build in the arteries.
Watermelon seeds controls blood pressure. It also helps in people suffering from piles.

Wheat:
Wheat dough kept for several hours or kept overnight before using for breakfast paratha or chapatti helps break up the gluten in the wheat. This helps in easy digestion. That is why it may be noted that left over chapatti is good for digestion compared to fresh.
Tandoori roti or khamiri is easy to digest.

Yeast:
It is present in the bread and good for stomach, a slice or two a day is safe to eat.
For stopping vomit, take a piece of well toasted bread helps stop vomiting.





Tuesday, August 14, 2007

Alternative to Angioplasty or By Pass Surgery

There is a new therapy in the market which is known as:- Chelation Therapy. Or Calation Therapy. According to this therapy any patient who has to undergo by-pass need not undergo the same. The patient is given approx. 18 bottles of blood wherein some medicines are injected alongwith it. The blood cleans the system and removes all the blockages from the heart. The no. of bottles may increase depending upon the age factor and health of the patient. The cost of the blood per bottle would be approx. Rs. 2,500/-. The treatment takes approx. 1 month of time. There are only 4 doctors in India and one of them is Dr. Dhananjay Shah at Malad (Mumbai) another at Karnataka. He has a list of patients who had to undergo by-pass from Lilavati, Hinduja and other major hospitals but after undergoing the above treatment they are absolutely fine and leading a normal life. I give below the Doctors details for your info:- Dr. Dhananjay Shah. (Disp) : 2889 2089 Mob: 98194 39657 shahdhananjay@ rediffmail. com.

If you have found the above information useful, feel free to make a small payment of US$ 1 to my paypal account rmillwala@hotmail.com as a token of your appreciation and to enable me to devote more time to this blog.



Healthy Heart - Cholesterol, Eggs and Oils

Q1. Are eggs bad for health?
Ans. If you have normal cholesterol and if you are leading an active healthy lifestyle, you can eat one egg 4 times a week without worrying about its cholesterol content. Eggs are rich in nutrients and are highly beneficial to health. Eggs are rich in nutrient and are highly beneficial to health. There are innumerable studies, which show that eggs do not increase the risk for heart disease. They have the best quality protein and help to even out blood sugar. Eggs are therefore highly beneficial for those suffering from hypoglycemia (low blood sugar). When egg is taken with a high fiber cereal like whole wheat bread or a chappati (whole wheat) the patient does not experience hypoglycemia from breakfast to lunch. Eggs are also beneficial to those suffering from anemia and are full of all-essential amino acids and minerals.However if you have a family history of high cholesterol or if you have high cholesterol then it is wise to either avoid eggs completely or stick to egg whites only.Cholesterol existing in food is safe by it self. It only becomes harmful when it gets oxidized as in dried eggs found in cake mixes, and processed foods. Dehydrated milk, processed meats are harmful as the cholesterol in them is oxidized and it is likely to clog arteries. It is interesting to note that consumption of animal products containing cholesterol like red meat, shrimps, lobsters, eggs has been reduced significantly as compared to 50 years ago. Yet, the incidence of heart disease has increased almost ten-fold. This is because our bodies today are unable to handle the cholesterol in food correctly due to increased intake of refined foods, sugar, processed foods, soft-drinks, lack of physical activity, stress, all of which leads to increased production of free radicals resulting in degenerative diseases.
Q2. What are the different types of oils and which are healthier.
Ans : Oils - Fatty acids are of 2 main types Satuarated Fatty Acids ( SFA ) and Unsatuarated Fatty Acids ( USFA ). Of these two, USFA's are healthier than SFA's. USFA's are of two types Monounsaturated fatty acid ( MUFA ) and Polyunsaturated fatty acid ( PUFA ). Of these two MUFA's are more healthier.
Q 3. What should I do to increase my HDL (good cholesterol) and decrease my LDL (bad cholesterol) ?
Ans. Good cholesterol (HDL) can be increased by eating fats that are beneficial to our health. These beneficial fats are rich in omega-3 fatty acid found in walnuts, soyabeans, fish like mackeral (Bangada), tuna & olive oil. Garlic and onions are also very useful in raising HDL levels. Almonds, most whole pulses, fruits like Apples, Oranges and Vegetables like Capsicum, pimentos, broccoli, leafy Vegetables are beneficial. Olives and Avocados contain beneficial MUFA (monounsaturated fatty acid) which helps increase the good cholesterol.You can reduce your LDL (bad cholesterol levels) by cutting off your intake of saturated fats found in milk cheese, chicken, red meat, maida and junk food. Avoid oils containing PUFA (polyunsaturated fatty acid ) such as corn oil, oil from sunflower seeds, Safflower seeds as they promote the oxidation of LDL that causes artery damage. Use oils rich in MUFA such as olive oil, flaxseed oil, canola oil etc. Increase your intake of fruits and vegetables to at least 4-5 servings a day. Take vitamin E supplements as it prevents oxidation LDL. If you have high blood pressure, you must avoid vitamin E supplementation as it may cause slight increase in blood pressure. Vitamin E also thins the blood so if you are on blood thinning medication you should take vitamin E only under medical supervision. Eating foods rich in soluble fiber as in oatbran and whole pulses helps reduce total cholesterol.



Subprime Lending

Subprime lending, also known as 'B-paper', 'near-prime' or 'second chance lending', is a term that refers to the practice of making loans to borrowers who do not qualify for market interest rates because of problems with their credit history. Subprime loans or mortgages are risky for both creditor and debtors because of the combination of high interest rates, bad credit history, and the murky financial situations often associated with subprime applicants.
A subprime loan, which could be a mortgage, car loan or even a credit card debt, is, by definition, made to someone who could not qualify for a more favourable rate. Subprime borrowers typically have low credit scores and either a limited credit history, or histories of payment delinquencies, charges-offs or bankruptcies. Because of the risks associated with this form of lending, a subprime loan may come with higher interest rates, regular fees or an up-front charge.
Generally, subprime borrowers will display a range of credit risk characteristics that may include:
Two or more loan repayments paid past 30 days due in the last 12 months, or one or more loan payments paid past 60 days due in the last 36 months;
Judgment, foreclosure, repossession, or non-payment of a loan in the prior 24 months;
Bankruptcy in the last 5 years;
A relatively high default probability as evidenced by a low credit bureau risk score.
Some subprime lenders have increased their loan production and servicing income by securitizing and selling the loans they originate in the asset-backed securities market. Strong demand from investors (fund managers, investment banks, insurers, hedge funds, etc) and favourable accounting rules often allow securitization pools to be sold at a gain, providing further incentive for lenders to expand their subprime lending program. However, the securitization of subprime loans carries inherent risks, including interim credit risk and liquidity risk, that are potentially greater than those for securitizing prime loans. Accounting for the sale of subprime pools requires assumptions that can be difficult to quantify, and erroneous assumptions could lead to the significant overstatement of an institution's assets.
The recent turmoil in the financial markets illustrates the volatility of the secondary market for subprime loans and the significant liquidity risk incurred when originating a large volume of loans intended for securitization and sale. Investors can quickly lose their appetite for risk in an economic downturn or when financial markets become volatile. As a result, institutions that have originated, but not yet sold, pools of subprime loans may be forced to sell the pools at deep discount (and there may be no takers). And institutions that have acquired the assets via a securitization may find that the pool is difficult to value, and that liquidity disappears in the event that pools need to be sold.


COLOSTOMY BAGS

'Investment Dealers are excited to announce the newest structured finance product – Constant Obligation Leveraged Originated Structured Oscillating Money Bridged Asset Guarantees, or COLOSTOMY BAGS.
Designed to accommodate the most sophisticated investment strategies, Colostomy Bags contain the equity tranches of Structured High Interest Taxable Derivatives, or SHIT, and are leveraged an infinite amount of times through the innovative use of derivatives.
'Its an actively managed, unlimited liability, open ended investment with no maturity date, which pays LIBOR plus 5,000 and has no correlation to traditional investments' said a spokesman for the Investment Dealer who engineered the product. 'It's based on a CDO structure, but it's designed to default BEFORE the first coupon payment, which you'll agree has no correlation with stodgy traditional investments and is a perfect fit for portable alpha strategies'. Following the default, each month more leverage is added to the structure to pay for the coupon and the Dealer's fees which are set at 80%. 'We feel the fees are reasonable, given the adrenaline rush you'll get each month attempting to mark these'.
The Colostomy Bags carry a AAAA rating, based on the rating agencies opinion that they are even safer than Treasuries. 'You can't use traditional credit analysis to value these babies, no sir-ree', said a spokesman for a rating agency. 'Just like Icelandic Banks, we give them the highest rating because you just know that the Fed will bail out all the hedgies who buy these things. And the best part is, the beauty of this structure is that the loss given default is NEGATIVE, so by extension we feel that the CDS will trade through Treasuries'. Inhaling deeply on a fatty, he continued, 'We've been tinkering with our model, which served us well for Enron and the Telecoms in '02, and our stress testing shows that the probability of loss in the senior tranche is close to zero'.
A real money investor, huddled high-up on a windowsill outside his office, said he remained optimistic about holding the Colostomy Bags, but was a bit concerned with the 95% decline in value on the first day they traded. 'We've taken a bit of a haircut on these but I'm waiting to see the first servicer report, which should arrive in a few months. At first I was annoyed that the dealer who sold them to me refused to make a market in them, but that makes my job easier since I'm not tempted to sell'.
We located a hedge fund manager at a due diligence meeting in the VIP room at Score's. He said he was skeptical of the structure at first, but was dared into buying it by a fixed income salesman. "He said to me, 'what's wrong with you, its quadruple A-rated, just buy it, what are you a pussy?' He also said it was going into 'an index' (although he didn't say which one). But that was good enough for me, bro, as most our funds belong to clients anyway'.


Tuesday, June 12, 2007

TANKER (Tamilnadu Kidney Research Foundation)

There is a foundation called TANKER (Tamilnadu Kidney Research Foundation), where they treat all kidney related problems free of cost. They even do Dialysis free of cost.

For further details, please visit http://www.tankerfoundation.com or contact:

Tamilnad Kidney Research Foundation
17, Wheatcrofts Road,
Nungambakkam,
Chennai - 600 034.
Phone: +91-44-2827 3407 / 2824 1635
E-Mail: tankerfoundation@ tankerfoundation .com



Sunday, June 10, 2007

Food as Medicine

HEADACHE? EAT FISH!
Eat plenty of fish -- fish oil helps prevent headaches. So does ginger, which reduces inflammation and pain.

HAY FEVER? EAT YOGURT!
Eat lots of yogurt before pollen season. Also eat honey from your area (local region) daily.

TO PREVENT STROKE DRINK TEA!
Prevent buildup of fatty deposits on artery walls with regular doses of tea. (actually, tea suppresses my appetite and keeps the pounds from invading....Green tea is great for our immune system)!

INSOMNIA (CAN'T SLEEP?)
HONEY! Use honey as a tranquilizer and sedative.

ASTHMA? EAT ONIONS!!!!
Eating onions helps ease constriction of bronchial tubes. (when I was young, my mother would make onion packs to place on our chest, helped the respiratory ailments and actually made us breathe better).

ARTHRITIS? EAT FISH, TOO!!
Salmon, tuna, mackerel and sardines actually prevent arthritis. (fish has omega oils, good for our immune system)

UPSET STOMACH? BANANAS - GINGER!!!!!
Bananas will settle an upset stomach. Ginger will cure morning sickness and nausea.

BLADDER INFECTION? DRINK CRANBERRY JUICE!!!!
High-acid cranberry juice controls harmful bacteria.

BONE PROBLEMS? EAT PINEAPPLE!!!
Bone fractures and osteoporosis can be prevented by the manganese in pineapple.

MEMORY PROBLEMS? EAT OYSTERS!
Oysters help improve your mental functioning by supplying much-needed zinc.

COLDS? EAT GARLIC!
Clear up that stuffy head with garlic. (remember, garlic lowers cholesterol, too.)

COUGHING? USE RED PEPPERS!!
A substance similar to that found in the cough syrups is found in hot red pepper. Use red (cayenne) pepper with caution-it can irritate your tummy.

BREAST CANCER? EAT Wheat, bran and cabbage
Helps to maintain estrogen at healthy levels.

LUNG CANCER? EAT DARK GREEN AND ORANGE AND VEGGIES!!!
A good antidote is beta carotene, a form of Vitamin A found in dark green and orange vegetables.

ULCERS? EAT CABBAGE ALSO!!!
Cabbage contains chemicals that help heal both gastric and duodenal ulcers.

DIARRHEA? EAT APPLES!
Grate an apple with its skin, let it turn brown and eat it to cure this condition. (Bananas are good for this ailment)

CLOGGED ARTERIES? EAT AVOCADO!
Mono unsaturated fat in avocados lowers cholesterol.

HIGH BLOOD PRESSURE? EAT CELERY AND OLIVE OIL!!!
Olive oil has been shown to lower blood pressure. Celery contains a chemical that lowers pressure too.

BLOOD SUGAR IMBALANCE? EAT BROCCOLI AND PEANUTS!!!
The chromium in broccoli and peanuts helps regulate insulin and blood sugar.

Kiwi: Tiny but mighty. This is a good source of potassium, magnesium, Vitamin E &fiber. It's Vitamin C content is twice that of an orange.

Apple: An apple a day keeps the doctor away? Although an apple has a low Vitamin C content, it has antioxidants; flavonoids which enhances the activity of Vitamin C thereby helping to lower the risks of colon cancer, heart attack & stroke.

Strawberry: Protective fruit. Strawberries have the highest total antioxidant power among major fruits; protects the body from cancer causing, blood vessels clogging free radicals. (Actually, any berry is good for you..they're high in anti-oxidants and they actually keep us young.........blueberries are the best and very versatile in the health field........they get rid of all the free-radicals that invade our bodies)

Orange: Sweetest medicine. Taking 2 - 4 oranges a day may help keep colds away, lower cholesterol, prevent & dissolve kidney stones as well as lessen the risk of colon cancer.

Watermelon: Coolest Thirst Quencher. Composed of 92% water, it is also packed with a giant dose of glutathione which helps boost our immune system. They are also a key source of lycopene - the cancer fighting oxidant. Other nutrients found in watermelon are Vitamin C; Potassium. (watermelon also has natural substances [natural SPF sources] that keep our skin healthy, protecting our skin from those darn suv rays)

Guava; Papaya: Top awards for Vitamin C. They are the clear winners for their high Vitamin C content. Guava is also rich in fiber which helps prevent constipation. Papaya is rich in carotene, this is good for your eyes. (also good for gas and indigestion)

Tomatoes: are very good as a preventative measure for men, keeps those prostrate problems from invading their bodies.



Sunday, June 3, 2007

Warm water and heart attacks

This is an article about the warm water we have after after our meals, and about heart attacks. This makes sense.. the Chinese and Japanese drink hot tea with their meals...not cold water...maybe it is time we adopt their drinking habit while eating!!!

Nothing to lose, everything to gain... For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this "sludge" reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.

A serious note about heart attacks: You should know that not every heart attack symptom is going to be the left arm hurting. Be aware of intense pain in the jaw line. You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. 60% of people who have a heart attack while they are asleep do not wake up.

Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive.


FIZZY SOFT DRINKS AND YOUR TEETH

A lot has been said and written about the harmful effects of Fizzy carbonated soft drinks on the teeth and body, but is this really true or is it just a media hype?

INGREDIENTS OF FIZZY DRINKS:
Most colas contain 90% water, sugar, carbon dioxide, phosphoric acid, citric acid, caffeine and other additives & preservatives. The acid level (pH) of colas has been measured at around 2.5 (1 being most acidic and 7 is for tap water). Citric acid is more acidic and this is found more in non-cola drinks like 7-up, Sprite etc.

EFFECT OF FIZZY DRINKS ON TEETH:
There is a two-fold effect. Each time you take a drink of a soda you get 20 seconds of acid attack on your teeth. The second effect is because of sugar that causes mouth bacteria to release more acids. These acids strip the natural protective layer on your teeth (pellicle) and the enamel begins to slowly lose its natural minerals and therefore breakdown and lead to decay.You can feel the damage done to the tooth surface by passing your tongue along the front teeth after having a drink. You will feel that the surface has become rough. This is because the acid has etched the enamel. Soft drinks also lead to gradual staining of teeth.

WILL A TOOTH LEFT IN A GLASS OF COKE DISSOLVE OVERNIGHT?
This is a very common "Urban Legend" that is often discussed on the Internet, but very misleading. A 2004 study by the University of Maryland Dental School, in the US, submerged extracted teeth in glasses of water, cola, non-cola, coffee, iced tea, Nesquik, orange juice & drain cleaner. It was found that after 14 days the teeth hadn’t disappeared, but there was considerable damage done to all the teeth. Non-cola drinks caused the most tooth erosion followed by cola drinks. According to this study, two weeks of total immersion in a soft drink is the equivalent of about 13 years of actual drinking. After 4 weeks, the tooth submerged in cola had become brown and sticky. The other glasses showed milder disintegration of teeth. The tooth in the drain cleaner was pearly white (because of bleaching effect) and had split into two.One must remember that these were dead teeth while the teeth in our mouth are alive. Also this study doesn’t take into effect the protection offered by saliva. This study doesn't duplicate life exactly, but it shows how the enamel is definitely dissolving off the teeth.

WHAT DO COLA COMPANIES HAVE TO SAY ABOUT THIS?
Coca Cola’s website states that "Almost all foods naturally contain a small amount of acid, including fruit juices & buttermilk. Phosphoric acid provides phosphorus, which is an essential element of bones and tissues. None of these foods are acidic enough to harm our body tissues. Our own natural stomach acid is stronger. Insufficient calcium intake, hormonal imbalances, lack of physical activity, and normal aging processes are the primary causes of weak bones."

WHAT YOU CAN DO TO PREVENT THIS DAMAGE:
Use a straw to sip, as this reduces the contact to the teeth. Swishing with water after having a drink can neutralize the acid. One way to reduce the effect of acid is to drink it only during meals. Adding ice to the drink dilutes the acid. Regular tooth brushing, especially at night, helps remove the damaging acids. Finish drinking soon instead of sipping it gradually. Regular Professional Dental Cleaning is advised to maintain teeth.

CONCLUSION:
Drinking any type of soft drinks- cola, non-cola or fruit juices can cause varying degrees of harm to your teeth. They all contain acids that cause teeth erosion. They contain sugar, which causes decay. But there are no vitamins or minerals in fizzy drinks unlike fruit juices and other natural foods, and hence we don’t derive any benefits from them.We don’t need to stop drinking fizzy drinks. We just need to understand what’s going on and take the appropriate preventative steps to reduce the problem.