Let's have a brief description about Currency Risk and Credit Risk? Currency Risk: A DEPRECIATION of the home currency relative to the investment in bank is referred to currency risk. International investor’s total returns can be significantly affected by the exchange rate between their home/reference currency and the currency in which their foreign assets are denominated.
Credit Risk: This is usually a default risk associated to the bank when a new customer joins to a bank. This Can be more clearly mentioned as the risk of loss due to a debtor's NON-PAYMENT of a loan or other line of credit (either the principal or interest or both).
2008…..The beginning of a new year should be like this….
In the name of God, Almighty…
To start with the minutes, I strongly feel that we have to thank Sheena Chachi who came up with this wonderful idea of “ party at home ” and have taken the effort to do such exciting arrangements for the new year eve.
Actually what happened was:
As usual Sheena chachi call me up at my office just to have chit-chat and it came up from her mind that, “is it possible to gather at her home for the new year party since all the kids where not well to go out in cold-chilled wind to a beach or park for usual Barbeque”. I said yes … It Strike me as a very good idea and at that moment itself I suggested that we will request all the ladies to make some food and bring so that it will not be a burden for the host.
Hai… You guys know!!! we even decided the menu to be brought by each one on phone with in 5 minutes, yes yes in 5 minutes. But then, the conversation ended up with the decision that we will first have to ask the permission of head of the families and will get back next day.
Sorry to say, in our usual evening talks I informed the idea to Shajikka and he said we will think about it and I also forgot the matter. But then here come Sheena chachi’s call again to my office in the morning for the results. I said I am busy with some work and will get back to her in ½ an hour. I call up Shajikka immediately and he said ok, there is no other plan. Even before half an hour Sheena chachi call me for the results as if she was soooo enthusiastic to arrange the party!!!!!!!! We decided to invite all by next day, because Biju chattan have to inform all the family heads first and them we will call ladies and arrange food [As per our tradition;]
Then all done accordingly. 31st Dec 2007, by noon I call sheena chachi and she said she was not doing any work for the past 2 days in office since she had to arrange games for the party…. WOW…
All the games + food + gifts where great and great and great….. We could find the luckiest of 2008, Insha Allah…
ALABHYA LABHYA SHREE of year 2008 – Mr. Naseerkka and family…
But the most interesting and valuable thing is… New year party was not the end of 2008 parties…
But the beginning of other exciting parties which are to happen through out the year...
Host: Biju, Shena, Jake, Joan Food: Welcome drink, Snacks, Chicken Cutlet, Fried rice, Kerala paratta, Kerala Vallappam, Kerala Nay-Pathiri, Muttom Curry, Chicken Curry, Prawns roast, Salad, Gulabjam Other Attractions: 1. Variety of games… 2. Johnson’s Song – Andivayil Ponnuthirum…… 3. Joan’s Song – Antta Khalbila…. 4. Bindu Song – Mere Sapnoki Rani… 5. New Year bell and unbroken crackers and glitters… 6.New year cake…
Wishing you all a thunder of parties for the up-coming months +
Appreciating all of your efforts for participation….
Kindly spend 2 more minutes for suggestions and things that you feel good about our gatherings, so that we can reform these:
Gatherings as memorable events which never fades…
Please Note: To view more photos please logon toPicasa
Kerala, the land of spices, is the best place to get to know and experience Ayurveda.
According to Ayurveda, every living and nonliving being in this universe is a combination of five basic eternal elements, called Pancha Maha Bhoothas. The human body is also constituted of these five eternal elements in various compositions. Hence, it can be said that every cell of the body is possesses all the properties of life. The only difference between the human body and the external world is the expression of Chaitanya or 'consciousness' or 'life spark' or 'spirit' or 'soul'. The five basic eternal elements are
1. Earth 2. Water 3. Fire 4. Air 5. Ether
AYURVEDIC DIET
When we eat, we participate in the creative process of nature. We get new sets of cells for our stomach lining, for our skin etc. It is the food that we eat which provides the material for these processes. ‘How’ we eat determines the effect on our body. If we feel emotionally imbalanced when we eat, the food may disrupt the body order. If we eat too quickly or overeat, the poorly digested end product predisposes us to illhealth. Food intake should, contribute to order and coherence in the body. It should aid in keeping a balance so as to maintain immune strength.
DIET TO BALANCE KAPHA, PITTA AND VATA
SIMPLIFIED DIET TO PACIFY- KAPHA
Favour Foods that are
Dry
Warm
Light
Spicy
Bitter (green leafy vegetables, spices like fenugreek).
Astringent (beans, lentils, unripe fruits)
Reduce food that are
Oily
Cold
Heavy
Sweet (sugar, wheat, rice, grapes, mangoes)
Salty (pickles, chips)
Sour (sour cream, cheese, yogurt, lime, orange)
Recommendation for Kapha diet
Nuts - Avoid nuts, eat beans
Oils - Avoid large amounts of any oil.
Vegetables- Eat all except: cucumbers, sweet potatoes, okra, and tomatoes.
Spices - Avoid salt for it increases "Kapha"
Grains - Most are suitable for Kaphas: Barley, Rye, Corn, Millet. Kapha dosha can be decreased by reduced intake of wheat, rice.
Fruits - Eat lighter fruits of the more astringent kind: pears, apples, and pomegranates. Avoid heavy, very sweet or sour fruits, which increase kapha: grapes, bananas, figs, oranges, coconuts, pineapple, dates, and melons.
Sweeteners - Honey though possessing an astringent quality good for reducing kapha; must be moderately used. Avoid sugar products, which increase Kapha.
Meat and fish - Meat is not recommended. Avoid red meat and seafood. Moderate intake of white meat (chicken, turkey) is permitted for those who cannot do without it.
Dairy - Use low fat milk; reduced intake of milk is good for ‘kaphas’. Milk should be boiled before drinking (to make digestion easier) and should always be taken warm. Do not drink milk with meals, which include all six tastes (it mixes well only with sweet taste) especially salty or sour foods. For ‘Kapha’ disorders like congestion, one or two pinches of turmeric or ginger may be added to milk before boiling it. Yogurt, cream, ice cream, cheese, butter and excess of whole milk are not recommended.
SIMPLIFIED DIET TO PACIFY PITTA
Favour foods that are:
Oily
Heavy
Cold
Bitter
Sweet (milk, rice)
Astringent
Reduce foods that are:
Dry
Light
Warm
Salty
Spicy
Sour (cheese, tomatoes)
Recommendations for "Pitta" diet
Beans - Eat lentils, Mung beans, toffee.
Oils - Butter, ghee, olive and coconut oils. Reduce use of almond, corn and sesame oils which increase ‘pitta’.
Vegetables - Asparagus, cabbage, cucumber, carrots, broccoli, cauliflower, sprouts, celery, and green leafy vegetables.
Spices - Turmeric, coriander, cinnamon, fennel, cardamom are suitable in small amounts as they increase pitta. Chillie and cayenne, which aggravates pitta, should be avoided.
Grains - Barley, oats, white rice, wheat are good. Brown rice, corn, millet and rye intake should be reduced.
Fruits - sweet fruits like grapes, coconut, cherries, avocado, melons, mangoes, pomegranates, sweet oranges, plums, pineapples are good. Reduce intake of sour fruits, such as olives, under ripe pineapple or persimmons, sour oranges, unripe bananas.
Sweeteners - All sweeteners are good for pitta. Large qualitative of honey should be avoided.
Meat - White meat is acceptable (chicken, pheasant, turkey). Avoid red meat, seafood, egg yolk which increase ‘pitta’.
Dairy - Milk, butter and ghee are food for pacifying pitta; reduce use of cheese, yogurt, sour cream, cultured butter milk as they aggravate ‘pitta’.
SIMPLIFIED DIET TO PACIFY "VATA"
This diet may be too heavy for ‘vatas’ if their digestion is irregular or weak.
Favour foods that are:
Oily
Heavy
Warm
Sweet (rice, milk, wheat)
Sour (yogurt, tomatoes, citrus fruit)
Salty.
Reduce foods that are:
Dry
Light
Cold
Spicy
Bitter (green leafy vegetables)
Astringent (beans, apples).
Recommendations for ‘vatas’ diet
Beans - reduce intake of beans all of which increase vata, except for tofu and moong dal. (Except green beans which is a vegetable)
Oils - All oils reduce ‘vata’.
Vegetables - Cooked beets, carrots, asparagus, sweet potatoes, cucumbers are good, do not eat these raw. Peas, broccoti, cauliflower, celery, zucchini, green beans, and leafy vegetables, can be taken in moderate qualitities if cooked with a little ghee, vegetable oil or butter: small amounts of vata reducing spices can be used.
Spices - Small qualitities of black pepper, mustard seed, cumin, ginger, cinnamon, cardamom, spices. Minimize use of chilies and red pepper.
Grains - Rice and wheat are very good. Reduce intake of rye, oats, corn, millet, barley, and corn.
Fruits - Sweet and sour fruits are good, such as oranges, bananas, avocado, grapes, peaches, melons, fresh figs, sweet pineapple, mangoes, sweet pineapple, dry, light or astringent fruits such as apples, pears, Iran berries, and dried fruits need to be taken less.
Sweeteners - Brown and raw sugar, molasses, honey are good if consumed in reasonable amounts.
Meat - Sea food, chicken, turkey are acceptable; rabbit, pheasant and red meat are to be avoided.
Nuts - All nuts are good.
Dairy - All dairy products are good for vata. For ease of digestion, boil milk and drink it warm. Strictly avoid taking milk with full meals as milk mixes well only with the sweet taste eg: cereal, toast.
Note:
These diet are not applicable to all individuals. Those suffering from cholesterol problem (high blood lipids) should consult their physician regarding fat and oil inclusion in their diet.
THE SIX TASTE GROUPS: A FEW EXAMPLES.
Sweet (Madhura)
Sweet fruits: Figs, grapes, oranges, dates, pears
Most legumes: Beans, lentils, peas
Most grains: Wheat, rice, corn, barley; most bread.
Milk and sweet milk products: Cream, ghee, and butter.
Sugar in any form: Avoid honey (it has an astringent taste)
