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APRIL 9, 2006
 Cover Story
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Insurance: The Challenge
India is poised to experience major changes in its insurance markets as insurers operate in an increasingly liberalised environment. It means new products, better packaging and improved customer service. Also, public sector companies are expected to maintain their dominant positions in the foreseeable future. A look at the changing scenario.


Trading With
Uncle Sam

The United States is India's largest trading partner. India accounts for just one per cent of us trade. It is believed that India and the United States will double bilateral trade in three years by reducing trade and investment barriers and expand cooperation in agriculture. An analysis of the trading pattern and what lies ahead.
More Net Specials
Business Today,  March 26, 2006
 
 
TREADMILL
Sculpting Secrets
 

Unless you're training to be a power-lifter-you know, those really strong guys who grab and snatch and lift unbelievable amounts of iron at competitions-in your quest for fitness you will, at some point (once you're passably de-flabbed), look for a ripped, defined body, where your body fat levels are low enough and muscle toning levels high enough to give you that perfect, sculpted look. And you don't have to be 20 to get there. Madonna's got that physique. And she's what? 47? Or is it 48? I've seen guys in their 50s with lean, ripped bodies, six-pack abs and all.

How do you get there? First, a caveat: there's no easy way. Behind every ripped body are a regular, hard-driving exercise regime and a no-nonsense, yet nutritive diet. In other words, there are no short-cuts. But then, if you're at a stage where you're looking to get cuts and definitions in your body, I'm assuming that the two-an exercise regime and a sensible diet-are already part of your life.

The way to a ripped body is a twin path. The first aims at keeping your body fat levels under control via regular cardiovascular exercise and a sensible diet. Incorporate a 7minute cardio session into your daily workout-seven minutes before your weight training session and 15 minutes after it. The second path is aimed at toning and sculpting your muscles. For that you have to train intensively. What you need to do is to slow down your movements while weight training. For example, when you're doing biceps curls, concentrate on the movement and slow down-count 2-3 seconds on the upward movement and 4 seconds on the downward movement. Maintain proper form by not struggling with the maximum weight that you can normally lift by lifting weights that are only around 70-80 per cent of your max.

Now, for the best part. Shake up your schedule by introducing a week of intensive circuit training every month. Your normal schedule may be exercising one or two muscle groups a day, four or five days a week-i.e. chest and triceps on Day 1, back and biceps on Day 2, shoulders Day 3 and legs on Day 4. Once every four weeks, introduce a week of circuit training (ct). ct involves a day of working out various parts of your upper body-chest, shoulders, back and arms-alternated with a day of working out parts of your lower body-thighs, calves, lower back. Choose one exercise for each of these body parts and do them one after another, performing one set of 10-12 repetitions for each. Complete the circuit twice without breaks between sets. For instance, do a set of bench presses, followed by a set of shoulder presses, followed by a set of lat pulldowns, followed by a set of dumb-bell curls, followed by a set of triceps extensions. Now, take a minute's rest and do the same routine once again. That's circuit training. And here's a tip: it is definitely harder than what it seems.


write to musclesmani@intoday.com

Caveat: The physical exercises described in Treadmill are not recommendations. Readers should exercise caution and consult a physician before attempting to follow any of these.


SKINCARE SIMPLIFIED

If you are over 40, and prone to checking the mirror way too often before dashing for another power point presentation, wrinkles may not be a laughing matter.

What Is It: Wrinkles and age spots are normal skin conditions that occur as a person ages. Fat cells beneath the inner skin begin to wither and consequently skin loses its elasticity. The skin's ability to retain moisture diminishes and it becomes dry and scaly. According to Dr R.K. Joshi, Senior Dermatology Consultant, Indraprastha Apollo Hospital, "normally a person starts developing wrinkles and pigmentation changes at around 40 years of age. In addition, the ability of the skin to repair itself diminishes with age; as a result wounds take time to heal."

Causes: Wind, heat, chemicals and the effects of ageing cause a certain amount of wrinkling in everyone, but it is much worse in people who spend a lot of time in the sun. Other factors that may hasten ageing of skin include smoking and exposure to pollution. Adds Dr Joshi: "It is known that some people may have a genetic predisposition to severe wrinkling."

Prevention: The best way to prevent skin damage is to avoid excessive exposure to the sun, particularly between 10 am and 4 pm when sunlight pours down 80 per cent of its daily Ultraviolet (UV) emissions. Use sunscreens that block out UV radiation. Also wear protective clothing and sunglasses. And wash your face with a mild non-soap cleanser.

Treatment: A diet with plenty of whole grains, fresh fruits and vegetables may protect skin. Daily exercise brings oxygen to the skin, an important ingredient for a healthy skin. "Common antioxidants like Vitamin A, C, E and beta carotene assist in skin repair and the strengthening of blood vessels," adds Dr Joshi. However, reducing stress and tension may also have beneficial effects on the skin.


PRINTED CIRCUIT

Thumb Rule
Brighter, Lighter BlackBerry

My first dalliance with the blackberry was in February last year when I tested one and wrote in this magazine about the wonders of the 'berry and how good-at least for a while-it felt to be always connected via e-mail. I toyed with the idea of subscribing to the BlackBerry service, provided in India by Airtel, but before I could do that I found myself succumbing to the functional ease of a Nokia 9300 communicator-you know the silver candy bar phone that opens up to reveal a qwerty keyboard and a horizontal screen where you can access your e-mail. The main advantage of the Nokia was that you didn't look like an idiot if you were talking on the phone. The BlackBerry 7730 (the model I'd tested last year), in contrast, was like a square artificial palm that looked ungainly pressed against your ear. Besides, its audio quality wasn't something to call home about. So, if you had a BlackBerry, you'd need to also carry a cellphone-not a great prospect.

Not so with the BlackBerry 8700g. This cutie is smaller and lighter and yet has a bright new screen that is easy to read. What's more, the sound quality has vastly improved and it looks a lot less clunky than its predecessors. The BlackBerry 8700g features a completely re-engineered device platform with an Intel(r) XScale(r) cellular processor, 64 MB flash memory and 16 MB SDRAM. What all this means is that it's faster for web browsing, attachment viewing and, most important; you don't look like a monkey when you speak on it.
Price: Rs 29,990.

"It's Not Me Talking"
Talking Beer Mug

Available on www.bimbambanana.com is a beer mug that will never allow itself to go empty. It will repeat such phrases as, "Your Beer is running dangerously low", "Refill immediately, danger of sobering up" and "Cheers". We predict, that despite its $21 (Rs 945) price tag, this will be a big hit on college campuses across the world.

 

Ka Redux
Nokia's New Snake

Talking about mobile-phone games might seem silly in an era of phones that come with 2-megapixel still cameras and mp3 players. Then, this piece is about Snake, the cult game that old-time Nokia users swear by. The latest iteration of the game has made its way into one of the company's new phones, the n70. This fourth generation Snake takes the game 3d and boasts such features as hexagonal directional ability and power bonuses. You can switch the game over to a 2d view, but that isn't half as much fun.

Finger File
Bio-Swipe

Some cars come with music systems onto which you can load an USB-drive, but what if you don't want anyone else to hear your secret collection of indipop music? Or, what if you carry lots of sensitive data on an USB-storage device and do not want anyone else to access it? Well, you could use Imation 'Bio-Swipe', a USB device which has an in-built fingerprint scanner so that your music and other important files are never compromised as your fingerprint is the only thing that can unlock it. How much: Priced between Rs 5,800 (128 MB) to Rs 14,400 (1 GB).

 

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