உலக நாடக கலைஞர்கள், உலக நடிகர்கள் உள்ள நாடு பாக். என்றால் மிகை ஆகாது .
ஏன் எனில் முன்னால் அதிபரோ உலக நாடுகள் முன்னால் பாரதநாட்டியம் ஆடி கொண்டே... இந்தியாவிடம் கண்ணால் கதகாலி ஆடி மிரட்டி.. மிரட்டி.. கால் ஓய்ந்து போய் இப்போது கைத்து கட்டிலில் காற்று வாங்க லுங்கி கட்டிகொண்டு கால் கடுக்க உக்காந்திருக்கும்
இந்த வேளையில் .....
இப்போது இருப்பவறோ..
பெனாசிர் அவர்கள் இறப்பால் உயிர் வாழ்த்து கொண்டிருக்கும் இவர் ...
திவிரவாதிகள்...காலில் கரணம் அடித்து சரணம் பாடி கொண்டே.....உலக தாலைவர்கள் கன்னத்தில், கூசும் அளவிற்கு தன் மிசையால் உரசி உரசி பயந்து... பயந்து.. பாப் பாடி கொண்டிருக்கிறார் "நான் அவன் இல்லை" என்று.
பாவம்பா.........
Friday, December 12, 2008
Thursday, December 11, 2008
பாகிஸ்தானில் பாயும் பயங்கர சட்டங்கள்(இது இந்தியர்க்கு மட்டும்)
இந்தியாவில் பாகிஸ்தானியர்கள் கொள்ளையடித்தால்
தண்டனை : 5 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் கொலை செய்தால்
தண்டனை : 10 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் கற்பழிப்பு செய்தால்
தண்டனை : 20 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் தீவிரவாதம் செய்தால்
தண்டனை : 30 நாள் வீட்டு காவல்.
எப்புடி....எங்க தண்டனை???
டேய்.. டேய்... கொய்யால.. என்னங்காடா.. இது .................
அட பாவிகால இவ்ளோ நாள் இந்தியாவை தான் முட்டாள் ஆக்கிநிங்க.இப்போ உலகத்தியே முட்டாள் ஆகுரிங்கலே பா நீங்க உண்மையுலயே அறிவாளிகள் தான்!!!!
தண்டனை : 5 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் கொலை செய்தால்
தண்டனை : 10 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் கற்பழிப்பு செய்தால்
தண்டனை : 20 நாள் வீட்டு காவல்
இந்தியாவில் பாகிஸ்தானியர்கள் தீவிரவாதம் செய்தால்
தண்டனை : 30 நாள் வீட்டு காவல்.
எப்புடி....எங்க தண்டனை???
டேய்.. டேய்... கொய்யால.. என்னங்காடா.. இது .................
அட பாவிகால இவ்ளோ நாள் இந்தியாவை தான் முட்டாள் ஆக்கிநிங்க.இப்போ உலகத்தியே முட்டாள் ஆகுரிங்கலே பா நீங்க உண்மையுலயே அறிவாளிகள் தான்!!!!
Monday, November 24, 2008
Diabetics, Ashma, Thyroid Problem,Cough, ,Kidney stone,Constipation ( Home Remedy)
Courtesy : Mr. Swaminathan samdoanddie@yahoo.com
Diabetics
There are few natural ways by which Diabetics can be controlled and can be cured
1. Keep a small pinch of Turmeric powder to a glass of drinking water at night and drink it morning after breakfast .As turmeric powder is one of the best antibiotic from nature it can control Blood sugar. Drinking twice In A day is more effective.
2. Take two Ladies finger (Vendakaka) Vegetable,and cut and remove both ends , then make a small cut on the middle. put it in a glass of drinking water keep it and remove the ladies finger (Vendakka ) morning from water and drink that water before breakfast. Continuously if it use for 3 months you can see the miracle of controlling and curing of Diabetics and if you have Kidney stone problem it can be also cured.
3. Take 2 grams of Cinnamon and eat it and drink little water daily after breakfast. and at night after supper. it can control the blood sugar.( it is a popular herbal and spice.
4. Eat daily 10 fresh curry leaves ( Kariveppila or sweet neem) at every morning
Can control and cure Diabetics also can even reduce obesity and digestive problems
1. Keep a small pinch of Turmeric powder to a glass of drinking water at night and drink it morning after breakfast .As turmeric powder is one of the best antibiotic from nature it can control Blood sugar. Drinking twice In A day is more effective.
2. Take two Ladies finger (Vendakaka) Vegetable,and cut and remove both ends , then make a small cut on the middle. put it in a glass of drinking water keep it and remove the ladies finger (Vendakka ) morning from water and drink that water before breakfast. Continuously if it use for 3 months you can see the miracle of controlling and curing of Diabetics and if you have Kidney stone problem it can be also cured.
3. Take 2 grams of Cinnamon and eat it and drink little water daily after breakfast. and at night after supper. it can control the blood sugar.( it is a popular herbal and spice.
4. Eat daily 10 fresh curry leaves ( Kariveppila or sweet neem) at every morning
Can control and cure Diabetics also can even reduce obesity and digestive problems
Asthma
Allergy caused by weather conditions
Asthma is caused by a variety of factors. It may be due to an allergy caused by weather conditions, food, drugs, perfumes, and other irritants. Allergies to dust are the most common..
Asthma Cures
Asthma is caused by a variety of factors. It may be due to an allergy caused by weather conditions, food, drugs, perfumes, and other irritants. Allergies to dust are the most common..
Asthma Cures
Asthma treatment using Honey
Honey is one of the most common home remedies for asthma. It is said that if a jug of honey is held under the nose of an asthma patient and he inhales the air that comes into contact with it, he starts breathing easier and deeper.
Asthma treatment using Figs
Among fruits, figs have proved very valuable in asthma. They give comfort to the patient by draining off the phlegm.. Three or four dry figs should be cleaned thoroughly with warm water and soaked overnight.
Asthma treatment using Lemon
Lemon is another fruit found beneficial in the treatment of asthma. The juice of one lemon, diluted in a glass of water and taken with meals, will bring good results
Asthma treatment using Indian Gooseberry
Indian gooseberry has also proved valuable in asthma. Five grams of gooseberry mixed with one tablespoon of honey forms an effective medicinal tonic for the treatment of this disease. It should be taken every morning .
Asthma treatment using Bitter Gourd Roots
The roots of the bitter gourd plant have been used in folk medicine for asthma since ancient times. A teaspoon of the root paste, mixed with an equal amount of honey or juice of the tulsi leaves, given once every night for a month, acts as an excellent medicine for this disease.
Asthma treatment using Drumstick Leaves
A soup prepared from drumstick leaves, and taken once daily, has been found beneficial in the treatment of asthma. This soup is prepared by adding a handful of leaves to 180ml of water and boiling it for five minutes. After being allowed to cool, a little salt, pepper, and lime juice may be added to this soup.
Asthma treatment using Ginger
A teaspoon of fresh ginger juice, mixed with a cup of fenugreek decoction and honey to taste, acts as an excellent expectorant in cases of asthma. The decoction of fenugreek can be made by mixing one tablespoon of fenugreek seeds in a cupful of water. This remedy should be taken once in the morning and once in the evening.
Asthma treatment using Garlic
Garlic is another effective home remedy for asthma. Ten garlic cloves, boiled in 30 ml of milk, make an excellent medicine for the early stages of asthma. This mixture should he taken once daily by the patient. Steaming ginger tea with two minced garlic cloves in it, can also help to keep the problem under control, and should be taken in the morning and evening.
Asthma treatment using Bishop's Weed
The herb bishop's weed has been found valuable in asthma. Half a teaspoon of bishop's weed should be mixed in a glass of buttermilk and taken twice daily. It is an effective remedy for relieving difficult expectoration caused by dried-up phlegm. A hot poultice of the seeds should be used for dry fomentation to the chest twice daily. The. patient can also inhale steam twice a day from boiling water mixed with ajwain. It will dilate the bronchial passages.
Asthma treatment using Safflower
Safflower seeds are beneficial in the treatment of bronchial asthma. Half a teaspoon of powder of the dry seeds, mixed with a tablespoon of honey, can be taken once or twice a day in treating this disease. This acts as an expectorant and reduces the spasms by liquefying the tenacious sputum. An infusion of five grams of flowers mixed with one tablespoon of honey, taken once daily, is also useful in this disease.
Diet for Asthma
carbohydrates, fats and proteins
The patient should avoid common dietetic errors. Ideally, his diet should contain a limited quantity of carbohydrates, fats and proteins which are 'acid-forming' foods, and a liberal quantity of alkali-forming foods consisting of fresh fruits, green vegetables, sprouted seeds, and grains. The patient should avoid foods which tend to produce phlegm, such as rice, sugar, lentils, and curds. He should also avoid fried and other difficult to-digest foods, strong tea, coffee, alcoholic beverages, condiments pickles, sauces and all refined and processed foods..
Other Suggestions for Asthma
Fasting and exercises
The patient should also follow the other laws of nature. Air, sun, and water are great healing agents. Regular fasting once a week, an occasional enema, breathing exercises, fresh air, a dry climate, light exercises, and correct posture go a long way in treating the disease.
Asthma treatment using Indian Gooseberry
Indian gooseberry has also proved valuable in asthma. Five grams of gooseberry mixed with one tablespoon of honey forms an effective medicinal tonic for the treatment of this disease. It should be taken every morning .
Asthma treatment using Bitter Gourd Roots
The roots of the bitter gourd plant have been used in folk medicine for asthma since ancient times. A teaspoon of the root paste, mixed with an equal amount of honey or juice of the tulsi leaves, given once every night for a month, acts as an excellent medicine for this disease.
Asthma treatment using Drumstick Leaves
A soup prepared from drumstick leaves, and taken once daily, has been found beneficial in the treatment of asthma. This soup is prepared by adding a handful of leaves to 180ml of water and boiling it for five minutes. After being allowed to cool, a little salt, pepper, and lime juice may be added to this soup.
Asthma treatment using Ginger
A teaspoon of fresh ginger juice, mixed with a cup of fenugreek decoction and honey to taste, acts as an excellent expectorant in cases of asthma. The decoction of fenugreek can be made by mixing one tablespoon of fenugreek seeds in a cupful of water. This remedy should be taken once in the morning and once in the evening.
Asthma treatment using Garlic
Garlic is another effective home remedy for asthma. Ten garlic cloves, boiled in 30 ml of milk, make an excellent medicine for the early stages of asthma. This mixture should he taken once daily by the patient. Steaming ginger tea with two minced garlic cloves in it, can also help to keep the problem under control, and should be taken in the morning and evening.
Asthma treatment using Bishop's Weed
The herb bishop's weed has been found valuable in asthma. Half a teaspoon of bishop's weed should be mixed in a glass of buttermilk and taken twice daily. It is an effective remedy for relieving difficult expectoration caused by dried-up phlegm. A hot poultice of the seeds should be used for dry fomentation to the chest twice daily. The. patient can also inhale steam twice a day from boiling water mixed with ajwain. It will dilate the bronchial passages.
Asthma treatment using Safflower
Safflower seeds are beneficial in the treatment of bronchial asthma. Half a teaspoon of powder of the dry seeds, mixed with a tablespoon of honey, can be taken once or twice a day in treating this disease. This acts as an expectorant and reduces the spasms by liquefying the tenacious sputum. An infusion of five grams of flowers mixed with one tablespoon of honey, taken once daily, is also useful in this disease.
Diet for Asthma
carbohydrates, fats and proteins
The patient should avoid common dietetic errors. Ideally, his diet should contain a limited quantity of carbohydrates, fats and proteins which are 'acid-forming' foods, and a liberal quantity of alkali-forming foods consisting of fresh fruits, green vegetables, sprouted seeds, and grains. The patient should avoid foods which tend to produce phlegm, such as rice, sugar, lentils, and curds. He should also avoid fried and other difficult to-digest foods, strong tea, coffee, alcoholic beverages, condiments pickles, sauces and all refined and processed foods..
Other Suggestions for Asthma
Fasting and exercises
The patient should also follow the other laws of nature. Air, sun, and water are great healing agents. Regular fasting once a week, an occasional enema, breathing exercises, fresh air, a dry climate, light exercises, and correct posture go a long way in treating the disease.
HOME REMEDIES FOR THYROID GLAND PROBLEMS
1. Kelp Sea Weed is an excellent antioxidant and contains iodine to assist thyroid function.
2. L-Tyrosine is an amino acid that helps increases plasma levels, helps with weight loss and is a crucial building block of thyroid hormone.
3. Spirulina is very useful for maintaning the over all health.
4. Take Vitamin B Complex. It improves cellular oxygenation and energy, and helps with digestion, immune and thyroid function.
5. Primrose Oil, is an essential fatty that is important for proper thyroid function. 6. Bladderwrack is high in iodine, which is beneficial for hypothyroidism.
7. Irish Moss nourishes the thyroid and is useful for thyroid gland problem.
8. Agnus Castus supports the pituitary gland and helps balance estrogen, which is known to interfere with normal thyroid function.
9. Black Cohosh helps balance estrogen levels and may be useful in thyroid conditions. 10. Siberian Ginseng helps the adrenal and thymus glands, which help support thyroid health. This is very effective home remedy for thyroid gland.
11. Black walnut is rich in organic iodine and manganese that nourishes and strengthens thyroid function.
12. Mullein covers and protects tissues and reduces swelling in glands.
13. Calcium, iron, zinc, copper, manganese, neodynium, terbium, thullium are minerals and trace elements necessary for the good functioning of important metabolic reactions in the thyroid. 14. Take low calorie foods and it is important to cut down on cakes, biscuits, sweets and alcoholic drinks that are relatively high in calories, but low in nutrients.
15. Increase your physical activity.
16. Continue to be cheerful and enjoy your life.
17. Eat foods rich in vitamin A, such as yellow vegetables, eggs, carrots, and dark green vegetables for thyroid gland cure. 18. Iodine rich foods that nourish the thyroid are: fish and sea vegetables such as: arame, kelp, dulse, hijike, nori, wakame, and kombu. Seaweeds are very nourishing to the glands.
HOME REMEDIES FOR COUGH
1. Prepare a mixture by adding ½ teaspoon honey with ½ teaspoon lemon juice. Take this every 12 hours. Honey relieves the itchiness by moisturizing the throat passage
2. Take 0.5 pounds (250 gms) of sweet apples daily for a week to cure cough.
3. Soak almonds overnight and remove their skin. Make a paste of the soaked almonds with little butter and sugar. This is very useful for dry cough.
4. Mix 8 - 10 tablespoons of coconut milk with 1 tablespoon poppy seeds and 1 tablespoon of pure honey. Take this every night before going to bed.
5. Prepare a mixture by adding a teaspoonful of honey with a few drops of brandy. It helps to relieve cough.
6. Mix equal parts of limejuice and honey.
7. Combine a cup of grape juice and a teaspoon of honey. Mix well to prepare an effective natural cough remedy for coughing.
8. Mix 1 teaspoonful raw onion juice with 1 teaspoonful of honey. Keep it aside for 3 to 4 hours before drinking. This is an effective home remedy for cough.
9. Apply hot mustard pack on the chest. This brings down fever, eliminates toxins and speeds in recovery. If needed, repeat every other day for a week.
10. Deep breathe in front of an open window. This has multiple benefits. Exhaling vigorously rids the body of waste gases and deep inhalation saturates the lungs with oxygen.
11. Chop an onion finely, put it with a tablespoon of clear honey in a screw-top jar and leave overnight. In the morning, drinking a teaspoonful of the juice produced will give relief to cough. 12. Garlic-and-onion chicken soup is also an effective remedy for cough .
13. For cough treatment, drink hot tea with lemon and raspberry jam, drink as much as possible.
14. Drink hot milk with honey at bedtime for cough relief.
15. Slice 2 snow pears into small pieces. Add 3 bowls of water and boil until the water has reduced to 2 bowls. Strain and discard the pears, and add 30 grams of rice to the liquid. Boil again until rice is cooked. Drink the soup.
16. Peel 50 grams fresh ginger and cut into small slices. Boil the slices with 100 grams maltose in 2 glasses water for 30 minutes. Drink it hot, twice a day, in one day. This is also an effective home remedy for cough.
17. Boil 20 red dates with 60 grams maltose in enough water. Eat once a day.
18. Prepare a mixture of 5 fresh-pitted olives and rock sugar; steam them for half an hour. Eat the olives to help with chronic coughs.
19. Steam 2 unpeeled tangerines with 30 grams rock sugar to relieve coughs with a yellowish mucous discharge. Eat the tangerines at bedtime.
20. In one cup of warm milk, add a pinch of turmeric powder (Haldi) and drink twice a day.
21. In one cup of warm milk, add 2 – 3 strands of saffron (kesar) and drink twice a day.
22. For cough treatment, Mix half a teaspoon of tulsi juice with half a teaspoon with ginger juice. Add 1 teaspoon of honey. Take the above mixture 2-3 times a day till symptoms subside.
23. Take 1 cup of water and add 4-5 leaves of tulsi; a small piece of ginger (adrak) and 1 teaspoon of jaggery. Boil this mixture over slow heat till the quantity becomes half a cup. Drink this at least 2 times in a day.
HOME REMEDIES FOR KIDNEY STONES
1. Patients with kidney stones should avoid taking too much milk because of its high calcium content.
2. For kidney stone treatment, drink lots of water and other fluids.
3. Limit the amount of calcium-rich foods—milk, cheese, butter, and other dairy foods.
4. Avoid oxalate rich foods such as beans, beets, blueberries, celery, chocolate, grapes, green peppers, parsley, spinach, strawberries, summer squash, and tea.
5. Eat vitamin A rich foods. Vitamin A is necessary to keep the lining of the urinary tract in shape and help discourage the formation of future stones. Foods high in vitamin A include apricots, broccoli, cantaloupes, pumpkins, winter squash, and beef liver.
6. Protein tends to increase the presence of uric acid, calcium, and phosphorus in the urine, which, in some people, leads to the formation of stones. Limit the quantity of proteins in your diet.
7. Reduce your consumption of table salt, pickled foods, and salty foods such as luncheon meat, snack chips, and processed cheese.
8. For kidney stone treatment, boil two figs in a cup of water. Drink this first thing in the morning for one month.
9. Mix 1 tspn of Holy basil leaves juice with 1 tspn of honey. Have this every morning for 5-6 months.
10. Eat 2-3 Apples a day.
11. Eat watermelon, either as such or had a juice. This is an effective home remedy for kidney stones.
12. Take 1 cup of juice made with radish leaves 2 times a day.
13. Drink 1 glass of fresh tomato juice first thing in the morning. Add a pinch of salt and pepper to this.
14. Take 3 long and thick lady fingers (slightly raw) Cut in thin long pieces and soak it in 2 litres of water overnight. In the morning, remove the ladyfingers and squeeze the juice into the same jar of water. Drink the entire water over 1 – 2 hours
15. Celery is a valuable food for those who are prone to getting stones in the kidneys or gall bladder.
16. The seeds of both sour and sweet pomegranates are useful medicine for kidney stones. Make a fine paste of a tablespoon of the seeds, take this along with a cup of horse gram (kulthi) soup to dissolve gravel in kidneys.
17. Watermelon contains the highest concentration of water amongst all fruits. It is also rich in potassium salts. Therefore it is very good food for kidney stones patients.
18. Eat a whole foods diet that contains leafy green vegetables, fruits, vegetables, whole grains, legumes, and fish and poultry in small portions. Mix 2 oz of olive oil and 2 oz of lemon juice, drink it straight down and follow with a large glass of water at the first sign of stone pain. This is also an effective home remedy for kidney stones.
2. For kidney stone treatment, drink lots of water and other fluids.
3. Limit the amount of calcium-rich foods—milk, cheese, butter, and other dairy foods.
4. Avoid oxalate rich foods such as beans, beets, blueberries, celery, chocolate, grapes, green peppers, parsley, spinach, strawberries, summer squash, and tea.
5. Eat vitamin A rich foods. Vitamin A is necessary to keep the lining of the urinary tract in shape and help discourage the formation of future stones. Foods high in vitamin A include apricots, broccoli, cantaloupes, pumpkins, winter squash, and beef liver.
6. Protein tends to increase the presence of uric acid, calcium, and phosphorus in the urine, which, in some people, leads to the formation of stones. Limit the quantity of proteins in your diet.
7. Reduce your consumption of table salt, pickled foods, and salty foods such as luncheon meat, snack chips, and processed cheese.
8. For kidney stone treatment, boil two figs in a cup of water. Drink this first thing in the morning for one month.
9. Mix 1 tspn of Holy basil leaves juice with 1 tspn of honey. Have this every morning for 5-6 months.
10. Eat 2-3 Apples a day.
11. Eat watermelon, either as such or had a juice. This is an effective home remedy for kidney stones.
12. Take 1 cup of juice made with radish leaves 2 times a day.
13. Drink 1 glass of fresh tomato juice first thing in the morning. Add a pinch of salt and pepper to this.
14. Take 3 long and thick lady fingers (slightly raw) Cut in thin long pieces and soak it in 2 litres of water overnight. In the morning, remove the ladyfingers and squeeze the juice into the same jar of water. Drink the entire water over 1 – 2 hours
15. Celery is a valuable food for those who are prone to getting stones in the kidneys or gall bladder.
16. The seeds of both sour and sweet pomegranates are useful medicine for kidney stones. Make a fine paste of a tablespoon of the seeds, take this along with a cup of horse gram (kulthi) soup to dissolve gravel in kidneys.
17. Watermelon contains the highest concentration of water amongst all fruits. It is also rich in potassium salts. Therefore it is very good food for kidney stones patients.
18. Eat a whole foods diet that contains leafy green vegetables, fruits, vegetables, whole grains, legumes, and fish and poultry in small portions. Mix 2 oz of olive oil and 2 oz of lemon juice, drink it straight down and follow with a large glass of water at the first sign of stone pain. This is also an effective home remedy for kidney stones.
HOME REMEDIES FOR CONSTIPATION
1. Eating more fruits can also helps to prevent constipation such as prune pears, grapes, Orange juice & Papaya.
2. Ginger tea is a very good home remedy for constipation. It helps start bowel movement.
3. Another natural remedy for constipation is to add a little extra sugar or some honey to a glass of milk. Drink twice a day.
4. Take a high fibre diet. Soluble fiber, found in grains, legumes and fruits, is particularly effective. Oatmeal, rice, wheat germ, corn bran, prunes, raisins, apricots, figs and an apple a day are all good sources.
5. A person with constipation should try to avoid milk and milk products such as cheese. Both milk and cheese contain casein, an insoluble protein that tends to block up the intestinal tract.
6. Exercise also helps to get rid of constipation. Aerobic exercise such as walking, running and swimming is best.
7. Drink one liter of warm water and walk around for a few minutes immediately after waking up early in the morning. this is also very effective home remedy for constipation.
8. Mix lemon juice with warm water. Take it two to three times a day. It helps to relieve constipation. .
9. One of the most important remedy is to cut short a bout of constipation is to sit in a bathtub of warm or hot water. It may take several immersions in the water to cure the problem, but it does work.
10. Take a glass of warm water to which the juice of 1/2 a lime and 1 tsp honey has been added. Drink daily in the morning.
Tuesday, November 11, 2008
எண்ணங்கள்
There was a farmer who grew superior quality and award-winning corn. Each year he entered his corn in the state fair where it won honour and prizes. One year a newspaper reporter interviewed him and learnt something interesting about how he grew it. The reporter discovered that the farmer shared his seed corn with his neighbors. "How can you afford to share your best seed corn with your neighbors when they are entering corn in competition with yours each year?" the reporter asked. "Why sir," said the farmer, "didn't you know? The wind picks up pollen from the ripening corn and swirls it from field to field. If my neighbors grow inferior, sub-standard and poor quality corn, cross-pollination will steadily degrade the quality of my corn. If I am to grow good corn, I must help my neighbours grow good corn." The farmer gave a superb insight into the connectedness of life. His corn cannot improve unless his neighbour's corn also improves. So it is in other dimensions! Those who choose to be at harmony must help their neighbours and colleagues to be at peace, Those who choose to live well must help others to live well, for the value of a life is measured by the lives it touches. And those who choose to be happy must help others to find happiness for the welfare of each is bound up with the welfare of all. If we are to grow good quality corn, we must help our neighbors grow good quality corn too....
Sunday, November 2, 2008
The Credit Bubble ..Economic Crisis...
( Courtesy : Mr. Arulaiah" arulaiah@gmail.com who send me this by email... )
THE CREDIT BUBBLE : EXPLAINED ?
Once there was a little island country. The land of this country was the tiny island itself. The total money in circulation was 2 dollars as there were only two pieces of 1 dollar coins circulating around.
1) There were 3 citizens living on this island country. A owned the land. B and C each owned 1 dollar.
2) B decided to purchase the land from A for 1 dollar. So, now A and C own 1 dollar each while B owned a piece of land that is worth 1 dollar.
* The net asset of the country now = 3 dollars.
3) Now C thought that since there is only one piece of land in the country, and land is non producible asset, its value must definitely go up. So, he borrowed 1 dollar from A, and together with his own 1 dollar, he bought the land from B for 2 dollars.
*A has a loan to C of 1 dollar, so his net asset is 1 dollar.
* B sold his land and got 2 dollars, so his net asset is 2 dollars.
* C owned the piece of land worth 2 dollars but with his 1 dollar debtto A, his net residual asset is 1 dollar.
* Thus, the net asset of the country = 4 dollars.
4) A saw that the land he once owned has risen in value. He regretted having sold it. Luckily, he has a 1 dollar loan to C. He then borrowed 2 dollars from B and acquired the land back from C for 3 dollars. The payment is by 2 dollars cash (which he borrowed) and cancellation of the 1 dollar loan to C. As a result, A now owned a piece of land that is worth 3 dollars. But since he owed B 2 dollars, his net asset is 1 dollar.
* B loaned 2 dollars to A. So his net asset is 2 dollars.
* C now has the 2 coins. His net asset is also 2 dollars.
* The net asset of the country = 5 dollars. A bubble is building up.
(5) B saw that the value of land kept rising. He also wanted to own the land. So he bought the land from A for 4 dollars. The payment is by borrowing 2 dollars from C, and cancellation of his 2 dollars loan to A.
* As a result, A has got his debt cleared and he got the 2 coins. His net asset is 2 dollars.
* B owned a piece of land that is worth 4 dollars, but since he has a debt of 2 dollars with C, his net Asset is 2 dollars.
* C loaned 2 dollars to B, so his net asset is 2 dollars.
* The net asset of the country = 6 dollars; even though, the country has only one piece of land and 2 Dollars in circulation.
(6) Everybody has made money and everybody felt happy and prosperous.
(7) One day an evil wind blew, and an evil thought came to C's mind.
'Hey, what if the land price stop going up, how could B repay my loan. There is only 2 dollars in circulation, and, I think after all the land that B owns is worth at most only 1 dollar, and no more.'
(8) A also thought the same way.
(9) Nobody wanted to buy land anymore.
* So, in the end, A owns the 2 dollar coins, his net asset is 2 dollars.
* B owed C 2 dollars and the land he owned which he thought worth 4 dollars is now 1 dollar. So his net asset is only 1 dollar.
* C has a loan of 2 dollars to B. But it is a bad debt. Although his net asset is still 2 dollars, his Heart is palpitating.
* The net asset of the country = 3 dollars again.
(10) So, who has stolen the 3 dollars from the country? Of course, before the bubble burst B thought his land was worth 4 dollars. Actually, right before the collapse, the net asset of the country was 6 dollars on paper. B's net asset is still 2 dollars, his heart is palpitating.
(11) B had no choice but to declare bankruptcy. C as to relinquish his 2 dollars bad debt to B, but in return he acquired the land which is worth 1 dollar now.
* A owns the 2 coins; his net asset is 2 dollars.
* B is bankrupt; his net asset is 0 dollar. (He lost everything)
* C got no choice but end up with a land worth only 1 dollar* the net asset of the country = 3 dollars.
************ **End of the story; BUT ************ ********* ******
There is however a redistribution of wealth.A is the winner, B is the loser, C is lucky that he is spared.
A few points worth noting -
(1) when a bubble is building up, the debt of individuals to one another in a country is also building up.
(2) This story of the island is a closed system whereby there is no other country and hence no foreign debt. The worth of the asset can only be calculated using the island's own currency. Hence, there is no net loss.
(3) An over-damped system is assumed when the bubble burst, meaning the land's value did not go down to below 1 dollar.
(4) When the bubble burst, the fellow with cash is the winner. The fellows having the land or extending loan to others are the losers. The asset could shrink or in worst case, they go bankrupt.
(5) If there is another citizen D either holding a dollar or another piece of land but refrains from taking part in the game, he will neither win nor lose. But he will see the value of his money or landgoes up and down like a see saw.
(6) When the bubble was in the growing phase, everybody made money.
(7) If you are smart and know that you are living in a growing bubble, it is worthwhile to borrow money (like A) and take part in the game. But you must know when you should change everything back to cash.
(8) As in the case of land, the above phenomenon applies to stocks as well.(9) The actual worth of land or stocks depends largely on psychology (or speculation)
THE CREDIT BUBBLE : EXPLAINED ?
Once there was a little island country. The land of this country was the tiny island itself. The total money in circulation was 2 dollars as there were only two pieces of 1 dollar coins circulating around.
1) There were 3 citizens living on this island country. A owned the land. B and C each owned 1 dollar.
2) B decided to purchase the land from A for 1 dollar. So, now A and C own 1 dollar each while B owned a piece of land that is worth 1 dollar.
* The net asset of the country now = 3 dollars.
3) Now C thought that since there is only one piece of land in the country, and land is non producible asset, its value must definitely go up. So, he borrowed 1 dollar from A, and together with his own 1 dollar, he bought the land from B for 2 dollars.
*A has a loan to C of 1 dollar, so his net asset is 1 dollar.
* B sold his land and got 2 dollars, so his net asset is 2 dollars.
* C owned the piece of land worth 2 dollars but with his 1 dollar debtto A, his net residual asset is 1 dollar.
* Thus, the net asset of the country = 4 dollars.
4) A saw that the land he once owned has risen in value. He regretted having sold it. Luckily, he has a 1 dollar loan to C. He then borrowed 2 dollars from B and acquired the land back from C for 3 dollars. The payment is by 2 dollars cash (which he borrowed) and cancellation of the 1 dollar loan to C. As a result, A now owned a piece of land that is worth 3 dollars. But since he owed B 2 dollars, his net asset is 1 dollar.
* B loaned 2 dollars to A. So his net asset is 2 dollars.
* C now has the 2 coins. His net asset is also 2 dollars.
* The net asset of the country = 5 dollars. A bubble is building up.
(5) B saw that the value of land kept rising. He also wanted to own the land. So he bought the land from A for 4 dollars. The payment is by borrowing 2 dollars from C, and cancellation of his 2 dollars loan to A.
* As a result, A has got his debt cleared and he got the 2 coins. His net asset is 2 dollars.
* B owned a piece of land that is worth 4 dollars, but since he has a debt of 2 dollars with C, his net Asset is 2 dollars.
* C loaned 2 dollars to B, so his net asset is 2 dollars.
* The net asset of the country = 6 dollars; even though, the country has only one piece of land and 2 Dollars in circulation.
(6) Everybody has made money and everybody felt happy and prosperous.
(7) One day an evil wind blew, and an evil thought came to C's mind.
'Hey, what if the land price stop going up, how could B repay my loan. There is only 2 dollars in circulation, and, I think after all the land that B owns is worth at most only 1 dollar, and no more.'
(8) A also thought the same way.
(9) Nobody wanted to buy land anymore.
* So, in the end, A owns the 2 dollar coins, his net asset is 2 dollars.
* B owed C 2 dollars and the land he owned which he thought worth 4 dollars is now 1 dollar. So his net asset is only 1 dollar.
* C has a loan of 2 dollars to B. But it is a bad debt. Although his net asset is still 2 dollars, his Heart is palpitating.
* The net asset of the country = 3 dollars again.
(10) So, who has stolen the 3 dollars from the country? Of course, before the bubble burst B thought his land was worth 4 dollars. Actually, right before the collapse, the net asset of the country was 6 dollars on paper. B's net asset is still 2 dollars, his heart is palpitating.
(11) B had no choice but to declare bankruptcy. C as to relinquish his 2 dollars bad debt to B, but in return he acquired the land which is worth 1 dollar now.
* A owns the 2 coins; his net asset is 2 dollars.
* B is bankrupt; his net asset is 0 dollar. (He lost everything)
* C got no choice but end up with a land worth only 1 dollar* the net asset of the country = 3 dollars.
************ **End of the story; BUT ************ ********* ******
There is however a redistribution of wealth.A is the winner, B is the loser, C is lucky that he is spared.
A few points worth noting -
(1) when a bubble is building up, the debt of individuals to one another in a country is also building up.
(2) This story of the island is a closed system whereby there is no other country and hence no foreign debt. The worth of the asset can only be calculated using the island's own currency. Hence, there is no net loss.
(3) An over-damped system is assumed when the bubble burst, meaning the land's value did not go down to below 1 dollar.
(4) When the bubble burst, the fellow with cash is the winner. The fellows having the land or extending loan to others are the losers. The asset could shrink or in worst case, they go bankrupt.
(5) If there is another citizen D either holding a dollar or another piece of land but refrains from taking part in the game, he will neither win nor lose. But he will see the value of his money or landgoes up and down like a see saw.
(6) When the bubble was in the growing phase, everybody made money.
(7) If you are smart and know that you are living in a growing bubble, it is worthwhile to borrow money (like A) and take part in the game. But you must know when you should change everything back to cash.
(8) As in the case of land, the above phenomenon applies to stocks as well.(9) The actual worth of land or stocks depends largely on psychology (or speculation)
Tuesday, October 21, 2008
வங்கி திவாலானாலும் உங்க பணத்தை பாதுகாப்பது எப்படி?
(நன்றி : Source: http://santhoshpakkangal.blogspot.com/2008/10/blog-post_14.html )
பொதுவா ஒரு வங்கி திவாலானால் அதில் உள்ள பணம் அனைத்தும் அவ்வுளவு தான் என்ற தவறான ஒரு கண்ணோட்டம் உள்ளது. ஆனால் அது முற்றிலும் நிஜம் அல்ல. ஏனெனில் வங்கிகள் அனைத்தும் அவை பெறும் வைப்பு நிதிக்கு காப்பீடு செய்து இருக்கும் (புரியற மாதிரி தமிழல சொல்லணுமுன்னா நீங்க bankல டெபாசிட் செய்யும் பணத்தை வங்கிகள் Insure செய்து இருக்கு.). ஆனாலும் இதுல ஒரு பிரச்சனை இருக்கு அது என்னானா நீங்க முதலீடு செய்து இருக்குற ஒரு லட்ச ரூபாய்க்கு தான் அவர்கள் இந்த காப்பீட்டை எடுத்து இருப்பாங்க (இது தான் RBIயோட limit).எனவே நீங்க எவ்வுளாவு போட்டு இருந்தாலும் ஒரு லட்சம் மட்டும் தான் திரும்ப வரும், இது வட்டியையும் சேர்த்து.உதாரணமா நீங்க வங்கி Xயோட அண்ணாசாலை கிளையில் ஒரு 50 ஆயிரம் fixed deposit, வேளச்சேரி கிளையில் ஒரு 50 ஆயிரம் fixed deposit, திருச்சி கிளையில் ஒரு 25 ஆயிரம் saving accountல போட்டு வெச்சியிருக்கீங்கன்னு வையுங்க. ஒரு நாள் வங்கி X திவால் ஆயிடுது. ஆனால் அந்த வங்கி செய்து இருக்கிற காப்பீட்டின் காரணமாக நீங்க போட்டு வெச்சியிருக்கிற 1.25 லட்சத்துல ஒரு லட்சம் திரும்ப கிடைத்துவிடும். ஆனால் 25ஆயிறத்தை நீங்க இழக்க நேரிடும் இந்த மாதிரி நிலைமையை தவிர்க்கவும் ஒரு வழி இருக்கு.வங்கிகளில் பணத்தை முதலீடு செய்யும் பொழுது மொத்த பணத்தையும் ஒரே வங்கியில் முதலீடு செய்வதை தவிர்க்க வேண்டும்.அப்படி தவிர்க்க முடியாத காரணத்தினால் ஒரே வங்கியில் மொத்த பணத்தையும் முதலீடு செய்ய வேண்டி வந்தால், அதை joint அக்கவுண்டாக முதலீடு செய்வது உசிதம். அதாவது மேல சொன்ன உதாரணத்தையே எடுத்துகலாம். 50ஆயிரம் + 50 ஆயிரம் + 25 ஆயிரம் என்று ஒருவர் பெயரில் மூன்று தனித்தனி கணக்குகளில் முதலீடு செய்து 25 ஆயிரத்தை இழப்பதை காட்டிலும். அதே முதலீட்டை மூன்று தனித்தனி joint accountஜ திறந்து கொள்ளவும் எப்படின்னா முதல் accountஇல் உங்களை primary ஆகவும் இரண்டாவது கணக்கில் உங்கள் மனைவியை primary ஆகவும் மூன்றாவது கணக்கில் உங்க பசங்களை primary ஆகவும் நீங்க primaryயாக உள்ள கணக்கை தவிர்த்து மற்ற கணக்குகளில் உங்களை secondaryஆகவும் வைத்து கணக்கை துவங்கிக்கொள்ளவும். மேலே சொன்ன மூன்று வங்கிகணக்கிலும் நீங்க இருந்தாலும் மற்ற இரண்டு கணக்குகளில் primaryயாக வேறு ஒருவர் இருக்கும் காரணத்தினால் இவை மூன்றும் தனித்தனியே காப்பீடு செய்யப்படும்.இதன் மூலம் ஒரே வங்கியில் மூன்று லட்ச ரூபாய் வரை முதலீடு செய்து கவலையின்றி இருக்கலாம்.இந்தியாவில் அதிகபட்சமாக ஒரு லட்ச ரூபாய் இருப்பது போல அமெரிக்காவில் இது ஒரு லட்ச டாலர் (சமீபத்தில் இதை 2.5 லட்ச டாலராக உயர்த்தி உள்ளதாக கேள்வி யாருக்காவது தெரியுமா?) வரை முதலீடுகளுக்கு காப்பீடு உண்டு.இது பற்றி மேலும் விவரம் அறிய இங்கே செல்லவும்.
Real Scenario of Share Market
( I Got it from the mail - Just I want to share it )
Once upon a time in a village, a man appeared and announced to the villagers that he would buy monkeys for Rs 10 each. The villagers seeing that there were many monkeys around, went out to the forest, and started catching them. The man bought thousands at Rs 10 and as supply started to diminish, the villagers stopped their effort. He further announced that he would now buy at Rs 20. This renewed the efforts of the villagers and they started catching monkeys again. Soon the supply diminished even further and people started going back to their farms.The offer increased to Rs 25 each and the supply of monkeys became so little that it was an effort to even see a monkey, let alone catch it! The man now announced that he would buy monkeys at Rs50 ! However, since he had to go to the city on some business, his assistant would now buy on behalf of him.In the absence of the man, the assistant told the villagers. "Look at all these monkeys in the big cage that the man has collected. I will sell them to you at Rs 35 and when the man returns from the city, you can sell them to him for Rs 50 each."The villagers rounded up with all their savings and bought all the monkeys. Then they never saw neither the man nor his assistant, only monkeys everywhere!. ......... ..... Now you have a better understanding of how the stock market works.In India.....Who is Playing this Trick ?Yes only 2 persons...!!
-They are controlling .......Indian Stock Mkt. -FII'S ,DII'S and General Public....dances on their tunes.
-They are controlling .......Indian Stock Mkt. -FII'S ,DII'S and General Public....dances on their tunes.
Sunday, August 24, 2008
கருவுற்றாள் கரு
கருத்து கருவுற்று பல வருடங்கள் ஆகிறது.. இன்னும் சில நாட்களில் "எடுப்பார் கைபிள்ளையாக வலம் வர இருக்கிறாள்"
விரைவில் ........
என்னை நண்பனாய்,
எதிரியாய் பார்க்கா............
காத்திருங்கள் !!!
விரைவில் ........
என்னை நண்பனாய்,
எதிரியாய் பார்க்கா............
காத்திருங்கள் !!!
Friday, August 22, 2008
நன்றி
முதல இந்தா சைட் பண்ண ஹெல்ப் பண்ண என் நான்பருக்கு நன்றி சொலிட்டு ஸ்டார்ட் பண்றேன்.
http://ganessh.blogspot.com/
http://ganessh.blogspot.com/
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