Archive for August 10th, 2009

India: 10 Preventive Steps to keep Swine-Flu Away


They say prevention is better than cure and now that Swine Flu is spreading like Wildfire in India too, we need to come up with some proactive measures so that we are not a victim of the deadly disease.

Here are 10 things you can do to protect yourself from the virus.


1. Wash your hands frequently

Use the antibacterial soaps to cleanse your hands.
Wash them often, at least 15 seconds and rinse with running water.


2. Get enough sleep

Try to get 8 hours of good sleep every night to keep your immune system in top flu-fighting shape.


3. Keep hydrated

Drink 8 to10 glasses of water each day to flush toxins from your system and maintain good moisture and mucous production in your sinuses.


4. Boost your immune system

Keeping your body strong, nourished, and ready to fight infection is important in flu prevention.
So stick with whole grains, colorful vegetables, and vitamin-rich fruits.


5. Keep informed

The government is taking necessary steps to prevent the pandemic and periodically release guidelines to keep the pandemic away.
Please make sure to keep up to date on the information and act in a calm manner.


6. Avoid alcohol

Apart from being a mood depressant, alcohol is an immune suppressant that can actually decrease your resistance to viral infections like swine flu.
So stay away from alcoholic drinks so that your immune system may be strong.


7. Be physically active

Moderate exercise can support the immune system by increasing circulation and oxygenating the body.
For example brisk walking for 30-40 minutes 3-4 times a week will significantly perk up your immunity.


8. Keep away from sick people

Flu virus spreads when particles dispersed into the air through a cough or sneeze reach someone else’s nose.
So if you have to be around someone who is sick, try to stay a few feet away from them and especially, avoid physical contact.


9. Know when to get help

Consult your doctor if you have a cough and fever and follow their instructions, including taking medicine as prescribed.


10. Avoid crowded areas

Try to avoid unnecessary trips outside. Moreover, avoid touching your eyes, nose or mouth.
Germs spread this way.


We all want a Healthy India. Please Spread The WorD.


Buying your own home is more affordable now :)

Buying House

Buying your own home is more affordable now than it has been in the last four years.


The average price of a house is around 4.5 times the buyers’ average annual income, against 4.6 times in 2005.
In 2007, the affordability factor had increased to 5.1% due to a sharp rise in real estate prices.


However, with the prices of new houses dropping by around 30%, the number of years’ income required to buy a house has come down to 4.5 times.

Developers have also realized the need to introduce affordable housing and are reducing the size of dwellings and omitting amenities like Italian marble and modular kitchens, which drive up costs, in a bid to cater to the huge untapped demand.


Housing finance major HDFC calculates the ‘affordability factor’ based on the data of its home loan borrowers.
At 4.5 times of annual income, the average EMI would be around 50% of a buyer’s income.

In the home loan market, it is considered within the affordable range.


With interest rates also softening in the last six months, demand has got a further boost. 🙂

Improved affordability seems to be translating into better sales.
In this quarter, housing finance firms have seen a good increase in demand compared to the previous one, ie January to March 2009.


With affordability factor in buying houses improving, demand for home loans have also increased.


Market to track rains, IIP data and global cues

Share market India

The market is likely to track the Monsoon, the Index of Industrial Production (IIP) and global cues for direction this week.


Market might fall to 14,000-14,500 levels if both the monsoon and global cues turn out to be negative this week.
Expectations are capital goods stocks to perform better in the short run.


Investors are likely to pay heed to global cues and news related to the monsoon and IIP numbers.

If both domestic and global cues are negative, then we may see the Sensex taking support at 14,100.

A bad monsoon may pull down growth by a quarter. So, rain-related news has high significance.

Stocks in the capital goods counter and Reliance Industries may perform better in the short term. 🙂


Last week’s selling spree by foreign institutional investors (FIIs) was due to fears of a weak monsoon and profit booking.

“The weak monsoon is a big worry right now. It can spook investor’s sentiment.  Apart from this, investors are likely to track global cues while the numbers on IIP will also be keenly watched. 🙂
The selling spree by the FIIs in the past few sessions could be attributed to profit taking on account of good values as the market has risen more than 100 per cent since March 9, from 8,000 to 16,000 levels,” said Jagannadham Thunuguntla, head of equities at SMC Capitals.

Thunuguntla said all sectors are showing signs of recovery and, hence, there are less chances of any major shock from the IIP numbers.   “However, poor rainfall and the subsequent fall in rural demand may put pressure on some sectors,” he said.