Sleep is Vital

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We spend almost a third of our life in sleeping. In fact, it is not spending but investing, because quality of rest two-third part of our life depends on the quality of sleep. Role of sleep is vital to overall health and well being. Sleep is essential in healing injuries, and to cope with pain and illnesses. Importance of sleep can be realized by just imagining how it becomes difficult when we don’t get sleep for one or few nights.

It is suggested that we must get sleep of 6-7 hours each day. It is not just lying in bed for 6-7 hours; scientifically there are four stages in each sleep-cycle. Each stage of sleep-cycle has its own significance; therefore sleep is not completed until the cycle is completed. Different organs and systems of body get rest in different stages of sleep.

Sleep-Cycle

Lots of studies have done on sleep and its effects on body and brain. Deficient sleep for a long period of time can lead to major physical disorders like: Diabetes, High Blood Pressure, Cardiac failure, Stroke, Obesity, Impotence, Decreased Libido, etc. It also causes major mental disorders like: Depression, Personality Changes, Panic Attacks, etc. It also negatively affects memory, cognitive and learning ability, mood, and personality. Feeling of sleepiness during daytime leads to inability to focus on work, which causes high risk of accidents while operating machines or driving cars. Studies show, the risk of accidents is seven times more for sleep disorder than alcohol.

There are lots of causes of sleep deficiency such as: medical conditions like chronic asthma, arthritis, and obstructive sleep apneoa (OSA); psychological problems like depression and stress; consumption of beverages like tea, coffee, and alcohol; addictions of drugs or smoking; an unhealthy or a sedentary lifestyle; and many known and unknown factors. Age is a natural factor which controls sleep; youngsters get better sleep than elderly, all due to levels of sleep controlling hormones.

“A well spent day brings happy sleep”-Leonardo da Vinci.

This small quote says everything. If we are tired at the end of the day, no doubt we will have a good night sleep. Many of us get mentally tired but not physically. Studies show physical exertion plays main part in good quality of sleep. Many people who regularly go to gym, do yoga, or do any other exercise get tired enough to have a sound sleep. People do lot of things to get sleep, but forget that the sleep is physiological condition to refresh body and brain only after they get tired.

“Sleep is sweet to the laboring man”-Jonh Bunyan

 

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Why only 10% Start-Ups are Successful!

Failure Factors of a Start Up 4Why only 10% Start-Ups are Successful!

The bubble of Indian start ups is already burst. Not only weaker firms like Yep Me and PayU started layoffs of employees but also strong firms like Snapdeal. Many have already closed their shops; well known are TinyOwl, AskMe, and Zupermeal. It’s very interesting to note that 78% of role in failure of start ups is played by only 3 factors: 1.Product is not attractive, 2.Improper Team/Poor Management, and 3.No Funding/Lack of Capital. I have tried to analyse all the factors of failure in details as follows.

Product is not attractive (33%): This is the top most factor behind the failure of start ups. If product/service is not as per the requirement of customer/market then it fails to attract them. The firm failed because the product was not fit, even though the product was unique, management was good, and there was not much competition in the market. The best examples are: HouseThis, 99dresses, OpTier, MyManual, etc.

Improper Team/Poor Management (25%): Success of a company cannot be imagined without a smart team and management. I believe, this factor must be responsible at least 50% of all; because 3rd, 4th and 5th major factors depend on this factor. Because of this factor the teams will not perform and deliver properly. The outcome will be poor quality of product/service, which will obviously lose the competition in the market, and automatically the firm will not get funding from investors or capital from banks. The best examples are: Bluebird, RateMySpeech, etc.

No Funding/Lack of Capital/Bankrupt (20%): A third major factor that start ups fail is because they ran out of cash. A key role of the CEO is to manage the cash in a way that it will carry the company to the next milestone, which can lead to a successful financing or positive cash flow. The management role is very important to get the job done from employees to achieve the next milestone. Poor management fail to achieve the next milestone and hence company fails to get fund. The best examples are: Circa News, GuGo, Patterbuzz, Admazely, etc.

Unable to compete with market leaders (7%): Many companies fail to compete with market leaders because they fail to develop a product that meets the market need, or they fail the quality of product and the service. This depends on management to make and execute the best strategy behind the product, its cost, quality, and the marketing strategy. Example can be of Argyle.

Lack of Business Model/Domain Knowledge (5%): Kodak is the good example of a failure due to lack of business model, in spite of the good product and good quality service. The value of product/service entirely depends on business model; therefore revenue generation and profit-loss will depend on it. It determines the future of a company in long run. The best examples can be Kodak, Britannica Encyclopedia, EverythingMe,

Others (10%): There are lots of other factors responsible for the failure of a start-up like: Bad location, Over-expansion, No website, Ignoring customers, more number of founders, leadership without prior experience of a start up, HR and company policies, employee satisfaction, not hired right talent, company working culture, etc.

Remarkable growth ahead for Indian Health Insurance Sector

Over the last 50 years, India has achieved a lot in terms of health insurance; yet only 17% population is covered. Before independence, there was high morbidity, high mortality, and high prevalence of infectious diseases. Since independence, emphasis has been put on primary health care only; and we made considerable progress in improving the health status of the country.

As the socioeconomic condition is increasing, the lifestyle is becoming sedentary which is causing growth in noncommunicable diseases (NCDs). Treatment of NCDs is expensive, therefore it is creating demands of health insurance.

Health insurance is now emerging as a tool to manage financial needs of people to seek health services. Rising financial literacy, favorable demography, initiatives like Pradhan Mantri Jan Dhan Yojana, Rashtriya Swasthya Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, etc. the schemes which are expected to help in penetration in lower and lower middle income groups which does not possess insurance cover. Increase in savings due to rise in per capita income is also a factor due to which purchasing power of consumer will allow to buy health insurance.

Sub-committee at IRDA for standalone health insurance companies recommended lowering of capital requirement from INR 100 Cr to INR 50 Cr. Lots of low budget companies will enter now, few are already enter after this announcement.

FDI limit in health insurance is increased from 26% to 49% which will attract foreign companies. Due to which already many companies are entering into Indian health insurance sector to explore its untapped potential and many are planning to enter soon.

Recently Finance Minister increased Health Budget 2017 from 39,879 (1.97% of total budget) to INR 48,878 (2.27% of total budget) with comments of positive steps to be taken in future to boost health insurance sector with target of 2.5% of total budget by 2020. This will again important for the growth of the sector.

Overall all factors in India including growing GDP, socioeconomic level, financial awareness, government policies, huge working population, increased interest in healthy lifestyle, etc are all favoring the remarkable growth of Indian Health Insurance sector.

Vaccination is more important than Insurance Policy

Having insurance policy for health and life is no doubt very good step, but vaccinating against life threatening diseases like hepatitis B, Swine flu, is more important. Because such diseases may not utilize the benefit of policy due to their fatal nature.

INDIA has the LEAST rate but the HIGHEST NEED of VACCINATION: In US an average rate of vaccination per child is 36 and in India it is not more than 10. Where as India has the highest rate of fatal diseases like Hepatitis B, and the best prevention against such diseases is vaccination……source

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INDIA ranks 2nd IN HEPATITIS B: India has over 40 million Hepatitis B infected patients, second only to China, and most people with chronic Hepatitis B or C are unaware of their infection, putting them at serious risk of developing cirrhosis or liver cancer which are life threatening……THE ECONOMIC TIMES ……more

VACCINATION is best for HEP B: A vaccine against hepatitis B has been available since 1982. The vaccine is 95% effective in preventing infection and the development of chronic disease and liver cancer due to hepatitis B……a report by WHO……more

SWINE FLU IN 2009:The swine flu pandemic could kill millions and cause anarchy in the world’s poorest nations unless £900m can be raised from rich countries to pay for vaccines and antiviral medicines, says a UN report leaked to the Observer…….THE GUARDIAN……more

The sudden rise of swine flu may trigger a pandemic that could wipe out 120 million people, an expert has warned. More than 80 people are now thought to have died as the first scare hit Britain. The death toll of the H1N1 virus could reach 50 million – as high as the Spanish Flu of 1918, according to John McCauley, of the National Institute For Medical Research….METRO NEWS…….more

SWINE FLU IN 2015: Swine flu deaths continued unabated as 51 more people died of the virus raising the toll to 1370 while the number of affected crossed the 25,000…..NDTV…..more

VACCINATION is best for SWINE FLU: The flu vaccine has been designed to protect against three or four influenza viruses and some of these viruses may circulate later in the season, the WHO said in a report…. Annual vaccination is the most effective solution for combating seasonal influenza infections such as swine flu….WHO said to INDIAN EXPRESS……more

 

World severely need heroes in real sense

Who is your Ideal Hero? may be a film star like Salman Khan the super star, or Shah Rukh Khan the king of film industry, or Amitabh Bachchan the millenium star; or may be a cricketer like Sachin Tendulkar the master blaster. Your Ideal Hero may be a politician or an entrepreneur. Most of us follow celebrities, sports-persons or politicians.

Have we ever thought of following and bringing in limelight to  real heroes of world, the people who serve humanity without any discrimination of race, religion, color, language or nationality. These people serve humanity and society in different ways, the person may be a social activist like Mother Teressa, Mahatma Phule, Savitri Bai Phule, Shahu Maharaj or Babasaheb Ambedkar; may be a nationalist as Mahatma Gandhi, A philosopher as Socrates, a scientist as Edison,  and may be a philanthropist as Bill Gates, Warren Buffet & Mr Azim Premji.

Azim Premji has donated half of his stake in Wipro, which is equal to Rs.53248 Crore, to a trust which runs 350,000 schools in India. In 2001, he founded Azim Premji Foundation, a non-profitable organisation. In December 2010, he pledged to donate $2 billion for improving school education in India.

Azim Premji advised other entrepreneurs, “I strongly believe that those of us, who are privileged to have wealth, should contribute significantly to try and create a better world for the millions who are far less privileged”

The worst thing is that media and social media is not interested in such news. Our media and our people love to discuss on meaningless fours, sixes and centuries of cricket match and like to show of our fake patriotism during cricket leagues only. TATA, Ambani, Narayan Murthy, Birla & Godrej are hero of Indian media for mutual benefits. The direction of future of a country and a society is very much influenced by media. The society also automatically give importance to the news, people and the things whom media keep giving more importance. Therefore if we want to make our society and country to be rich, developed, advanced and peaceful then no doubt first our media should start focusing on this rather than showing things which increases just TRP.