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JUNE 18, 2006
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Checking Card Frauds
India is not the biggest market for credit cards, but it is among the fastest growing markets. Yet, scamsters have already started targeting the growing industry. With the result, credit card frauds are eating into the wafer-thin profit margins of banks and payment operators. Now, the banks, payment operators, and card manufacturers are trying to innovate safety features faster than the fraudsters can crack them. A look at the latest innovations in 'plastic' technology.


Talent Hunt
The rapid growth in the IT and BPO industry is expected to lead to a shortage of manpower in the coming years. Currently only 50 per cent of the engineering graduates in the country are employable. If the top IT companies continue to grow at the current pace they will absorb all of this. Experts argue that the government should take steps to improve the existing education infrastructure in the country.
More Net Specials
Business Today,  June 4, 2006
 
 
TREADMILL
Fitness Tips For A Bear Market
 

If you're an investor in the stock market then chances are you haven't been feeling very chirpy of late. A volatile Sensex that has routinely been shedding hundreds of points a day-more than 1,100 on one occasion-can certainly make an investor anxious and depressed. And if that weren't enough to burn a hole in your nest egg or investment kitty now you have to also prepare for an imminent increase in prices of motor fuels, which could be cause for more depression. But why is Treadmill mentioning all this that rightfully belongs not in the tail end of the magazine but upfront with the serious stuff? That's because there's no better way to combat depression or a mental low than with a good wholesome session of exercise. Exercise is commonly acknowledged as one of the best ways of maintaining fitness physically by maintaining blood pressure levels, preventing obesity and ailments like diabetes. Yet, exercise can also benefit mental health and, indeed, be a curative for cases of depression and anxiety. Although doctors and researchers aren't very sure how exercise helps in fighting depression, according to research, 25-30 minutes of daily exercise for three or more times a week has been seen to have positive effects on those suffering from anxiety or depression. There have even been instances where exercise has cured chronic depression.

Many runners experience what is called the 'runner's high'-a state of euphoria that is experienced when a runner is working his body to its maximum potential. It's not just runners but just about any athlete or sportsperson that can experience this sort of euphoria, which is believed (but as yet unproven) to be caused by the body releasing increased levels of endorphins-neuro-transmitters that have the same effect as pain-relievers. It's the body's own feel-good drug and not surprisingly gets its name from two words-endogenous (produced in the body) and morphine (you know what that is!). Endorphins, therefore, have the same effect as morphine can have on your mind.

The jury is still out on that theory-in any case, exercise, as most will agree, is healthier than sticking a syringe full of morphine into your veins-but the short point is: exercise helps soothe and unruffle your mind, making that one more reason why you should opt for it. Whether by release of more endorphins or otherwise, exercise can take your mind off depressive thoughts (like the value of your portfolio in a bear market) and give you more confidence in meeting new goals and challenges (like building up a new portfolio from scratch!). So, in these days of a somewhat senseless Sensex, pick yourself up, cut your losses, and head over to the gym. If that's not an option, go for a simple brisk walk or a jog or ride a cycle. Remember, just 30 minutes a day can drive your blues away.


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.


ALL ABOUT SUNBURN

Despite knowing the risks of exposure to the sun, many people avoid the necessary precautions. But a little care can go a long way in helping you present your best face.

What Is It: Sunburn is an inflammation of the skin cells caused by overexposure to the sun's ultraviolet (UV) rays. Says Dr S.C. Bharija, Senior Dermatologist, Sir Ganga Ram Hospital, New Delhi: "Damage to the skin can either be insignificant or serious, depending on the intensity of the rays, the length of exposure, and the sensitivity of the individual to UV rays."

Causes: Substances such as deodorants, soaps, perfumes, cosmetics, and certain medications may produce heightened sensitivity to UV rays, with a corresponding increase in the severity of the burn. Fair people usually burn more easily than dark people.

Symptoms: Irritation, prickling sensation, itching of the skin may mark the onset; the skin also feels hot to touch. Tiny blood vessels in the skin become congested and may produce redness. As the burn progresses in severity, the skin feels tight, swollen, and dry. Overheating and loss of fluids through the damaged skin may also produce dizziness, nausea, vomitting, hyperventilation, and loss of consciousness. In severe cases, blisters can also occur.

Treatment: Minor sunburn can be effectively treated by non-prescription ointments, powders, creams and sprays. In the case of a severe sunburn, overheating and dehydration must be avoided. The victim should be taken to a shaded area. A coolwet cloth can be applied to the arms, head, and the legs.

Prevention: Simply avoid prolonged exposure to the sun. Says Dr Bharija: "If this is not possible, the first line of defence is to cover exposed areas of the skin completely, preferably with loose-fitting, light-coloured clothes. Use sunblocks or sunscreens with a Sun Protection Factor (SPF) of at least 20."


PRINTED CIRCUIT

The Tough Laptop
Panasonic CF-W2

It takes quite a bit for a laptop to escape from the realm of the ordinary, so how about a high-tech, heat dispensing magnesium alloy casing for a start. The Panasonic cf-w2 signals from the very moment you take it out of its packaging that it is not an ordinary laptop. It wears the 'Toughbook' name, a badge its Japanese manufacturer conferred on it, with some justification; it looks, feels and is tough all right, though I did manage to scratch the one that was loaned to me for this article in two days flat.

But despite that, this is a really durable machine. It is not as impressive as its bigger brothers, the cf-72 and cf-29, which are machines meant for extreme rough use-little wonder the Pentagon equips its boys in Iraq with these. The w2, on the other hand, is designed only to survive the rough life it will lead as an executive companion, which you have to admit is better than a firefight in Falujjah. But let me qualify that statement: the w2 is no pansy; the brilliant LCD allows you to use it even in harsh sunlight and shock protection means that you don't need to worry about in-flight turbulence garbling your PowerPoint presentation.

It is also light, incredibly so, for a 13-inch screen laptop. And it is very compact. Yet, the W2 has both a DVD writer and a 40-gigabyte hard drive, and-this has to be the clincher-a spectacular battery life. Even though this writer often had an external hard drive plugged into the USB port (which supped off the laptop's battery) the machine would easily carry on for five hours-plus. Without anything attached, the literature claims the machine can pull off eight hours-and there is little reason to doubt that.

But despite such great features the w2 has one key drawback.

Its sticker price of Rs 1,70,000. And that's without taxes and just Windows XP Professional. Considering that you can get a similarly specced, though far more boring and far less durable, laptops for under Rs 50,000 (see Budget Laptops), it does make you wonder.

That said, if you want yours to stand out in a sea of obscurity, and you have the money to blow, the Panasonic cf-w2 Toughbook is your bling thing.

Budget Laptops

The single most crucial imprint in a laptop's price tag is not its internal circuitry, battery life, computing capacity or metallic casing. Then what is? The brand, stupid! Think about it-three-quarters of the world's laptops emerge out of 10-odd factories in China and Taiwan. They, therefore, share similar pedigrees, workmanship and provenance. The main differentiator: the company that sticks its label on them and takes them to market.

Intex Technologies, an Indian peripherals manufacturer, has recently entered the laptop market. Its 029GD laptop is quite good value for money. It comes with a 1.7Ghz Intel Centrino processor, a combo drive, a TV Tuner card, a 40-giga hard drive, and all the standard frills for under 40K. Zenith's Director range of laptops also offer similar specs at a similar price.

Think about it. If you buy a Thinkpad, MacBook, Dell Latitude, Toshiba Satellite or HP Presario machine with exactly the same set of features, you end up paying Rs 50,000 for the privilege, even though it may have been assembled at the same factory as either of these machines. The additional 10K is the price of the label.

 

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