MURUGAVEL

Thanks to improvements in medicine, more of us are living longer. That means we have a heightened investment in making sure our brains stay in shape as we age, too. While an increased life expectancy will not necessarily lead to  a higher incidence of cognitive disorders , Alzheimer’s alone is expected to affect  over seven million American seniors  by 2025. Lucky for us, advanced technologies have enabled researchers to understand how the brain works, what it responds to, and even how to retrain it. For instance, we know our brains prefer foods with high levels of antioxidants, including blueberries, kale, and nuts. We know that  a Mediterranean diet , which is largely plant-based and rich in whole grain, fish, fruits, and red wine, can lead to higher brain functions. And we know that  smiling can retrain our brains  to look for positive possibilities rather than negative ones. Source: World Alzheimers Report 2015 Whether you’re 25 or 65, consider adopti

Non-banking financial companies (NBFCs) improved their performance on most metrics in the last fiscal year, as the banking industry struggled under the weight of a growing pile of bad loans. According to the financial stability report (FSR) released by the Reserve Bank of India (RBI) on Tuesday, NBFC loans expanded 16.6% in the year, twice as fast as the 8.8% credit growth across the banking sector on an aggregate level. The aggregate balance sheet of the NBFC sector expanded 15.5% in fiscal 2016 compared with 15.7% the previous year, the report said. NBFCs also performed better in terms of asset quality, even though the bad loan norms for these firms are not as stringent as those for full-fledged commercial banks. The gross non-performing assets (GNPA) ratio for the NBFC sector declined to 4.6% of total advances in March 2016 from 5.1% in September 2015, according to the FSR. “While the regulatory norms for the NBFC sector are sought to be brought closer to those a

Six months after it flagged concerns over weak corporate balance sheets and conducted its first asset quality review (AQR) of banks, the Reserve Bank of India (RBI) has warned that risks to the banking industry’s stability have increased sharply, indicating more pain ahead. The latest edition of the regulator’s financial stability report (FSR), released on Tuesday, said gross non-performing assets (GNPAs) of banks jumped to 7.6% in March from 5.1% in September. The top 100 borrowers accounted for nearly a fifth of these NPAs. Total stressed assets increased slightly to about 11.5% of banks’ combined loan book. “The banking stability indicator shows that risks to the banking sector have sharply increased since the publication of the previous FSR,” said RBI. The FSR is a twice-a-year report prepared by a department of RBI and endorsed by a sub-committee of the Financial Stability and Development Council. The report details the results of stress tests on bank bal

Whether this is inside operation of the BIG BOYS, using the media, exploiting the emotions? Everybody knew that third week of June 2016 one big event verdict going to come That was ENGALND IN&OUT. The financial world big boys exploit & capitalize the event for short term profit. In EU the big three markets are  German DAX,  UK – FTSE &  France CAC. Out of it, high beta market is DAX. So, being a big and high beta, take it and study the movement of the DAX in the event month of JUNE 2016. First week of June gave selling so market down by 1000 points,  Reason: expecting and broadcasting, ENGLAND going to be OUT, and Middle of the second week, covered all shorts so market recovered all the 1000 points,  which was lost in the previous week. Reason: expecting and broadcasting ENGLAND going to be IN. Now in the third week, verdict out.  The result is ENGLAND OUT. This time, market tanked more than 1000 point

Banking sector stress in India has emerged as one of the critical risks which could jeopardize growth. There is good reason to worry. Our banks are saddled with too many non-performing loans and credit expansion has slowed dramatically. Growth in industrial credit (year on year) has slowed to less than 5% in the first quarter of 2016. This is clearly not consistent with even 7.5% gross domestic product (GDP) growth, let alone accelerating to 8%. The nature of the problem The problem was revealed by the Reserve Bank of India’s (RBI’s) asset quality review, which showed that assets that should have been classified as non-performing were not being recognized as such. Experience from around the world suggests that when such problems are discovered, they must be dealt with promptly rather than covered up. This was done and the banks have started recognizing non-performing loans and making provisions for them. This has led to large losses in 2015-16. Public sector banks (ex

Try them. They work.  O bviously we all want to be happier. But there's another reason to wish to be more light-hearted and content: happiness is definitely a result, but happiness is also a driver. While I'm definitely into finding ways to improve personal productivity (whether a one-day burst   of output,   or a lifetime   of increased effectiveness, or   things you should not do every day ), probably the best way to be more productive is to just be happier. Happy people accomplish more. Easier said than done though, right? Actually, many changes are easy. Here are 11   science-based ways to be happier from Belle Beth Cooper , co-founder of Hello Code, which makes   Exist , a cool app that connects all of your services to turn that data into insights about your life. Here's Belle Beth: 1. Smile More Smiling can make us feel better, but it's more effective when we back it up with positive thoughts, according to   this study :