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Hindustan Times
7 hours ago
- Automotive
- Hindustan Times
Should you opt for Roadside Assistance cover while purchasing car insurance? Here's your comprehensive guide to RSA
The Indian automobile market has been witnessing a dynamic transformation over the last few years. The consumer preference, market scenario have been going through a lot of changes. Naturally, this is propelling the evolution in the industries that are connected with the automobile sector. The insurance sector is directly involved with the automobile industry, and it is not immune to the evolution. Personalised Offers on Mahindra BE 6 Check Offers Check Offers Roadside Assistance (RSA) coverage offers much-needed peace of mind and a hassle-free ownership experience. If you own a car or are planning to buy one, you may have come across the term Roadside Assistance (RSA). The RSA is a coverage that offers much-needed relief to the vehicle owner whose vehicle breaks down or has a mechanical failure on the road or at some place or situation from where he or she cannot drive it to the nearest workshop. With the increasing awareness about a trouble-free ownership experience and surging focus on road trips among vehicle owners, demand for RSA is growing fast. Subscribing to RSA safeguards the vehicle owners from the hassle in case of a breakdown. Without the cover, it can be overwhelming for the vehicle owner to be stranded in unfamiliar places without any access to a mechanic. Whether the key is lost, the vehicle runs out of fuel, having an RSA plan can get the vehicle owner out of an emergency situation. According to Grand View Research, the Indian vehicle roadside assistance market is projected to reach $2,853.6 million by 2030, with a CAGR of 7.9 per cent from 2025 to 2030. In 2024 alone, the market generated $1,819.0 million in revenue. Towing services were the largest revenue churner in this space in 2024, while tyre replacement is expected to be the fastest-growing segment in the coming days. Usually, the RSA cover comes as an inherent component of most of the comprehensive car insurance plans. However, standard comprehensive car insurance plans do not offer RSA. The vehicle owner needs to purchase it as an add-on cover with their base car insurance policy. Some parts of India see heavy rainfall, which often results in waterlogging and a flood situation. In those regions, the monsoon sees a larger number of RSA service calls. Speaking to HT Auto, Charu Kaushal, Managing Director, Allianz Partners India, said that during monsoons, a significant surge in cases related to hydrolock, electrical failures, and battery drain, especially in flood-prone zones, is witnessed. 'We typically see a 25–35 per cent increase in RSA calls during the monsoon. Cities like Mumbai, Delhi-NCR, Bengaluru, Chennai, and Kolkata are the most impacted, with certain low-lying zones being the most impacted. These spikes are now predictable, and we proactively deploy resources and geofence high-risk areas, ensuring faster TAT and readiness,' he said further. Roadside assistance: What, how and who Roadside services vary depending on the company, but often include services such as towing, changing a flat tyre, fuel delivery, locksmith services, battery jump-start, winching, etc. Such services are offered against a monthly or annual fee. Besides that, there is an option to pay per incident for roadside assistance. In that case, instead of paying every year whether the vehicle owner uses the service or not, he or she can pay when the help is needed. Roadside assistance coverage can be subscribed to from different service providers. Car insurance companies provide the coverage, which is the most used option. Apart from that, roadside assistance coverage can be availed through some organisational membership programs, car manufacturers, credit card companies, etc. Electric vehicles too avail RSA service Like their ICE counterparts, the electric vehicles also require RSA service. While EVs are generally reliable, the rainy season brings its own set of challenges. EV users often face concerns like range anxiety due to charger access issues during heavy rains, or minor connectivity hiccups with home charging units and wall boxes. These may not be major breakdowns, but they require RSA. This is propelling the electric vehicle owners as well to opt for RSA.
Forbes
a day ago
- Health
- Forbes
Music Is The Overlooked Biohacking Tool That Rewires Your Brain
What started as a fringe experiment with 'smart drugs' and cryotherapy, better known as biohacking, is now a $24 billion movement in the making. Grand View Research projects it will surpass $69 billion by 2030 as consumers invest in everything from continuous glucose monitors to cold plunges. The pursuit of performance and longevity has gone mainstream. Yet in the rush to track, measure and optimize, one tool has been hiding in plain sight: music. Not just background playlists or motivational anthems, but music engineered to directly shape neural activity. Breakthroughs in auditory neuroscience reveal that sound can biohack the brain's rhythms, unlocking altered states for focus, relaxation, sleep and beyond. Unlike supplements or extreme therapies, it requires no extra time, no pills and no pain. Kevin Woods, Ph.D., a Harvard-trained auditory neuroscientist working with explains how sound can tune the brain's electrical patterns through a process called entrainment. 'There's a process called entrainment by which the rhythms in the world are reflected in the brain,' Dr. Woods says. 'When you deliver to somebody a sound that is rhythmic and repetitive, you get activity in the brain at that rate, but it spreads from the auditory cortex throughout the brain all the way into frontal areas that control cognition.' That spread matters because brain rhythms govern essential functions. Fast rhythms coordinate attention. Slow rhythms shape sleep. By deliberately embedding modulation patterns into music, researchers guide these rhythms, and with them, behavior. Dr. Woods notes, 'When you go and measure somebody's behavior, somebody's ability to do a focused task, it turns out you get a boost there as well. And they've shown similar things with sleep, with meditation, all at different brainwave frequencies.' The ADHD Advantage The impact has been especially notable for people with ADHD. Dr. Woods' team has published research in Nature Communications Biology showing that engineered music produces measurable changes in ADHD brains. For CEO Dan Clark, the science is personal. 'As someone with ADHD who dropped out of high school, I'd tried everything to improve my focus: Adderall, nootropics, meditation. Nothing worked consistently. Then I tried What felt like 45 minutes was actually four hours of deep productivity. I became so obsessed, I wanted to work for the company.' Clark says the power lies in built-in stimulation. 'The secret isn't removing distractions, but adding structured stimulation so you don't get bored while trying to focus. It makes the work you're already doing take up a bigger share of your mind by boosting your engagement and enjoyment.' From Playlists To Flow That built-in stimulation is exactly what resonated with Kyra Klopp, vice president of media and digital marketing at Runyon Saltzman Inc. Before she relied on lo-fi or ADHD-themed playlists to get through work, but the inconsistency was draining, especially when there was the urge to skip songs based on lyrics or tempo. During her trial, she noticed a shift. 'I wasn't spending mental energy trying to get into flow anymore. Before, there was this whole ritual of finding the right playlist, adjusting volume, maybe switching songs if they weren't hitting right. With it just became 'headphones on and go.' It freed up that cognitive bandwidth I didn't even realize I was using just to manage my focus environment.' The breakthrough moment came when she powered through a three-hour block of dense documents and tedious admin tasks. The music became less about the noise and more about maintaining the thread of concentration. Performance On Demand For both executives and employees, the promise is simple: fewer wasted hours, more sustained energy. Clark frames it as a matter of workplace equity. 'When productivity tools only work for neurotypical brains, 15-20% of your workforce has to figure it out on their own. That's not just unfair, it's a bad investment. Companies lose access to the innovative thinking, creative problem-solving and hyperfocus abilities that neurodivergent minds bring to the table.' Dr. Woods notes that sound stands apart from other biohacking tools due to its practicality. 'If I tell you I'm going to produce positive impacts on your body, but you don't have to do anything, and you don't have to pop a pill, that becomes very attractive,' he says. 'Hearing is a particularly good one, because it doesn't get in the way of other things you need to do. You're typing, reading, working, but your ears are open.' As the biohacking industry pursues increasingly extreme interventions, music may turn out to be the simplest—and most effective—hack of all. 'You're listening to music anyway,' Dr. Woods concludes. 'How about you just listen to slightly modified music, and it will provide these benefits.'
The Hindu
3 days ago
- Business
- The Hindu
Policy changes make India a global Pharma powerhouse says Hikal Vice Chairman and Managing Director Hiremath
'With the implementation of new policy frameworks, India's pharmaceutical contract manufacturing industry is emerging as a key player on the global stage,' said Sameer Hiremath, Vice Chairman and Managing Director, Hikal Ltd. Hikal Ltd. caters to pharmaceuticals, life sciences, biotechnology, agrochemicals, and specialty chemicals companies to deliver active ingredients, intermediates and R&D services. He said for many years, Indian drug manufacturers were seen as the affordable backups—ready to step in when global supply chains faltered but rarely trusted with high-stakes production. That narrative is now undergoing a rapid transformation. Multiple international initiatives—such as the U.S.'s BIOSECURE Act, Europe's move toward strategic autonomy, and Japan's re-evaluation of supply chain dependencies—have aligned with India's own pharmaceutical reforms, he said in a note. Together, they have propelled India from a secondary option to a central figure in pharma supply chains, he added. Mr. Hiremath said India's ₹15,000-crore PLI scheme for bulk drugs and a broader PLI for formulations have improved the economic attractiveness of Indian manufacturing. 'The government's support has aligned domestic conditions with global business expectations, from APIs to biologics,' he said. 'Together, these developments have unlocked massive potential. Grand View Research, projects India's CDMO market to grow to $21 billion by 2030—an 8% CAGR. Consulting firms like McKinsey believe that these strategic shifts could push India's pharma exports beyond $60 billion in the coming years from $28 billion currently,' he said. Stating that still challenges remain, he said the direction is clear. 'India still relies heavily on China for key inputs like fermentation-grade intermediates. Additionally, the BIOSECURE Act may drive up U.S. manufacturing costs, triggering resistance over pricing,' Mr. Hiremath said. 'Yet the larger trend is undeniable: Indian CDMOs are now front and centre. Innovators no longer call on them just in emergencies—they are co-creating from the start,' he added.
Time of India
3 days ago
- Health
- Time of India
Blue matcha craze: Why this color-changing tea is linked to eye health
A bright blue brew that turns purple with lemon is taking over social media—and some studies say its natural pigments may also help tired eyes. If you spend long hours on your phone or laptop, you've probably felt that heavy, tired feeling in your eyes. A bright cup of blue tea, also called butterfly pea tea, is now trending online as a soothing fix. It's not only eye-catching for its color-change trick with lemon, but science says its plant pigments may also play a role in eye health. Why it's suddenly everywhere Butterfly pea tea isn't just a social media hit—it's also a booming business. Grand View Research reports fast global market growth, while Accio finds 'blue matcha' searches climbing steeply online. What researchers have found The deep blue color comes from natural pigments called anthocyanins. A recent scientific review explains that these pigments can change color with acidity—that's why your tea turns purple when you squeeze in lemon. When it comes to eye health, research is still early. A clinical trial found that people who took anthocyanin supplements reported less eye strain after screen use. And a large NIH-backed study showed that other plant pigments like lutein and zeaxanthin may help protect aging eyes. Butterfly pea tea contains similar compounds, but scientists haven't yet done big human studies on the tea itself. How to make it at home You only need four steps: Boil a cup of water. Add 5–6 dried butterfly pea flowers and let them steep for 5 minutes. Strain into a glass. Squeeze lemon juice and watch the magic—it turns purple. Add honey or mint if you like. Things to keep in mind Butterfly pea belongs to the pea family. If you have legume allergies, be cautious. A review on natural food dyes says there are no known allergy cases yet, but research is limited. Food regulators take different views. In the U.S., the FDA allows the flower extract as a coloring ingredient. In the EU, EFSA has asked for more safety data before approving it widely. If you're pregnant, breastfeeding, or already under eye treatment, it's best to check with your doctor. Blue tea is fun to make, refreshing to drink, and packed with colorful plant compounds. It might offer some support for screen-tired eyes, but don't think of it as a cure. For real relief, experts still recommend the 20-20-20 rule : every 20 minutes, look 20 feet away for 20 seconds.
Yahoo
6 days ago
- Business
- Yahoo
Down 20% From Its 52-Week High, Is Now a Great Time to Buy Joby Aviation Stock?
Key Points The market for electric vertical take-off and landing aircraft is in its early innings. But analysts expect a ton of growth, and Joby has lined up deals with top companies. Joby Aviation hopes to begin commercial air taxi operations as early as next year. 10 stocks we like better than Joby Aviation › Did you know that one of the hottest growth opportunities in the world right now is investing in electric vertical take-off and landing (eVTOL) aircraft, which can be used as air taxis? According to analysts at Grand View Research, the global market was worth roughly $1 billion in 2023, and it will grow to nearly $29 billion by the end of the decade. That averages out to a compound annual growth rate of approximately 55%. One of the leading companies in the eVTOL space right now is Joby Aviation (NYSE: JOBY). It's in the early innings of development and generates minimal revenue. It doesn't have the necessary certification to fly its aircraft just yet, but it should soon, perhaps as early as next year. There's huge potential for the business as it's establishing itself as a market leader in a rapidly growing market. Recently, Joby's stock has been declining, and it's now down close to 20% from its 52-week high of $20.95. The stock has still more than doubled this year, and given the hype in the eVTOL market, it may not go down a whole lot lower anytime soon. Could now be the ideal time to invest in Joby? Has Joby's valuation gotten too large, too fast? There is a massive opportunity in the eVTOL market for investors, but one thing to consider is valuation. While the global market for eVTOLs may be worth close to $29 billion by the end of the decade, Joby's market cap as of Monday's close was nearly $15 billion. In relation to the overall size of the industry, Joby's valuation looks high, even with its stock price coming down in recent days. This highlights one of the challenges with investing in such an exciting stock -- valuations can get out of hand, quickly. At a market cap of $15 billion, investors are effectively assuming that Joby will obtain certification and will be able to begin delivering some good numbers, potentially as early as next year. This sets expectations high, and it leaves little to no margin of safety should the company stumble. And while it's arguably the leader right now, it's not without competition in the space. Archer Aviation is also getting close to obtaining certification for its eVTOL aircraft, the Midnight. Joby's valuation is undoubtedly high, but the company has been giving growth investors plenty of reasons to be bullish about its future. A huge opportunity lies ahead Joby has been locking up agreements with many big organizations and businesses, including Toyota, Delta Air Lines, and Virgin Atlantic. Companies are eager to secure partnerships to ensure they can be in the pole position to take advantage of what might be the most exciting new travel trend in the world -- getting around busy cities via air taxis. Joby has also partnered with L3Harris recently, to build hybrid VTOL aircraft for defense purposes. The first big test is in the United Arab Emirates, where Joby has begun testing its aircraft. It plans to commence air taxi operations there by next year. There's no shortage of demand for Joby's eVTOLs. The key at this point will be obtaining certification, and ramping up production. If it's successful, then it wouldn't be surprising to see this hot stock soar even higher. Should you invest in Joby's stock right now? Joby's business is an exciting one to invest in. But it's important to not let emotions take over. Valuation still matters and shouldn't be ignored. My concern is that a best-case scenario is already priced in with Joby's hefty valuation. While it's down from its highs, it's by no means a cheap buy when you consider the size of the overall market. Plus, there are still questions about whether the business can be profitable in the long run. Given how close Joby is to launching its operations and with certification so close, you may want to consider holding off until all that happens, just to minimize some of your risk. That could mean giving up some gains in the process. But with so much growth potential in the industry still to come, if Joby proves it's the real deal, there will be plenty more gains to come in the long run. For now, I think waiting on the sidelines may be the best option for investors. Should you invest $1,000 in Joby Aviation right now? Before you buy stock in Joby Aviation, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and Joby Aviation wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $663,630!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,115,695!* Now, it's worth noting Stock Advisor's total average return is 1,071% — a market-crushing outperformance compared to 185% for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of August 13, 2025 David Jagielski has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends L3Harris Technologies. The Motley Fool recommends Delta Air Lines. The Motley Fool has a disclosure policy. Down 20% From Its 52-Week High, Is Now a Great Time to Buy Joby Aviation Stock? was originally published by The Motley Fool Sign in to access your portfolio
