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Appeared in an exam last month. Result declared today. I have topped it. Really happy.

...and specially aap ki dua lag gai kyuki, shaadi bhi last week fix ho gayi.

Image quality of the Camera of HTC ONE

Hello Friends... With this thread, I would like to start new discussion on the topic. Being in this field since last 7+ years, I have gained lot of experience in this field. I understand most of the people view these things with negative outlook but that is mostly because it is more mis-sold than sold. To start with, I would like to contribute in this tread, over a period of time, some of the basics of Investments & Insurance & with fellow members posts, we can make this an useful thread for our community. Before I begin, let me clarify some points.. 1. Even though I am in this business, I dont intend to present myself as doing any sales activity. I would be glad to answer all the queries & would strongly recommend to buy or avail of service from your own town with somebody you personally know.(Josh wud surely vouch for this) 2. I would be discussing of certain products with its benefits. My sole intention to highlight certain product would be, because that product is actually very good, but very less known, due to low revenue generation for agents. Pls dont treat that too as any sales or marketing activity. In fact, if other members know of any alternative product, better than the one i mentioned, that would be for the good of this thread. Let me start with Accidental Insurance. There are 2 products which I am going to cover & are MUST HAVE for everyone from a chaiwala or an hawker to any crorepati. Accidental Insurance products generally cover below events due to accidents only: 1. Death 2. Hospitalization expenses 3. Permanent or Temporary Disability 4. Total or Partial Disability 5. Daily Cash Benefit Now, we may say that Death is already covered in my existing life insurance or for that matter hospitalization is covered in my existing health insurance cover. Then, why is this extra product needed. In my view, buying accidental insurance is highly important due to below benefits. 1. Premiums are very less compared to full fledged. 2. Premiums are same across all age bands. 3. There are no medical tests required. 4. Pre-Existing diseases are not seen for here. By this, I mean, an person with diabetes cannot get most of health insurance products. But even he is prone to accidents. So, even he can opt for accidental insurance n his existing diabetes wound stand as hurdle. 5. Having accidental products in combination to existing mediclaim means in case of accidental hospitalization, you would use benefits under your accidental plan n keep your mediclaim claim-free so that you keep on earning no claim benefits. Also, many of u have floater policies. So, the sum insured from existing mediclaim is preserved for other illness / other members. 6. Term / Life insurance is costly n premium increases the later you start the plan. Also, in my view, in earlier years (25 to 45 yrs of age), probability of death due to accident is more than probability of death due to illness. So, it is always better to go to Term Insurance + Accidntal Death Insurance than to opt for more term insurance. Now, I will cover some products here. 1. Bajaj Allianz Sankat Mochan : Product link : http://www.bajajallianz.com/Corp/health-insurance/sankat-mochan.jsp This is a very good n low cost product in industry. I have been actively selling it n have good experience as regards to claim settlement. I am sure many of you must have not heard of this product since none of the sales person would sell you this due to very low ticket size n consequently lower commissions. But,in my view, this can be utilized in very good way. In all there are 16 plans & all the details are covered in the link along with premium chart. I would advice you all to check Final Premium Risk class 2 for all the 16 plans. Generally risk class 1 is for low risk jobs. But, then since difference being so less, better to opt for class 2. Some times, even we our self do some high risk work. So, accidents in such cases may be denied if we have policy of risk class1. You will have to add 12.36% as service tax to get net premium. Specialty of this plan is @ just 303/- rs (including all taxes) we get 2 benefits viz. 1. Accidental Death for 2 lacs & 2. Accidental Hospitalization for Rs. 1 lac. This can be very good plan for our office boys or staff who are always on move. In case of any accidents, we do help them financially. But, if we plan properly then it is beneficial for us as well as person. I have been convincing my clients to take this plan for their whole team of 10-20 people. Claim settlement of Bajaj is very good too. I would suggest you to check all the plans n see for yourself as to what benefits you get. Everything is self explanatory. In case of any doubt, I would be glad to clarify the queries. 2. Bajaj Allianz Premium Personal Guard : Product Link : https://www.dropbox.com/s/oymxip3m4f13o2n/Bajaj%20Allianz%20Premium%20Personal%20Guard.pdf This product is not available on website. But, you can avail it from any of Bajaj agents or by visiting their office personally.. Though all the details are covered in above PDF. Specialty of this plan is @ just Rs.1994/- PLAN A, we get 6 benefits viz a. Accidental Death : 10 lacs b. Permanent Total Disability : 20 lacs c. Permanent Partial Disability : as per table. For ex.compensation paid for loss of thumb is 20%. This means, if due to accident, a person loses thumb, company will pay 20% of SI i.e 10 lacs which comes to 2 lacs. Accordingly this % differs from part to part. d. Temporary Total disability : Many times, after hospitalization we have to take rest for certain days as advised by doctors. This may lead to loss of income. The same can be compensated in this section. This section will pay 5000 rs per week till the person stays home due to his temporary disability like fracture in leg or hand or etc, due to which he cannot go to work. e. Accidental Hospitalization : 2 lacs f. Hospital Cash Benefit : This section will pay 1000/- per day till the time person is admitted in hospital, due to accident. People can choose plan as per their requirements. Also, can add family members according to table. Do note, for higher plans, income proof is mandatory. Again, I feel, we must have this plan along with standalone mediclaim. Probability of hospitalization due to accidents has been increased a lot now a days. For the sake of this plan, snake bite or falling in bathroom is also an accident. I hope I have been helpful with this thread. I would try to keep this thread live n give back to community by posting my views. Other members are requested to comment their views, opinions, or ask any doubts.

Arre wah ... test result pe suhaaga!!

^^^ Actually critical illness plans are already available with general insurance companies... Life insurance companies added them as riders.. So if you didn't opt then, you can buy stand alone plan from any gic.. Being associated with bajaj allianz gic, icici Lombard gic n star health, I've compared plans with these companies n bajaj seem to be best.. Check details here http://www.bajajallianz.com/Corp/health-insurance/critical-Illness.jsp The site has sum insured upto 10lac only. But it is available upto 50lacs. If you can pm your date of birth n required sum assured, i can reply with premium amount n then you can approach any bajaj office and buy the same. You'll also need to submit your income proof. Icici lombard details are here : https://www.icicilombard.com/health-insurance/Critical-care-brochures.html But it is available only up to 12 lacs. Star does not have critical illness plans... Regarding your multiple covers, i guess since your existing plans are taken long back, their premiums must be very high.. So i would suggest you, at the time of renewal, just before 1 month, you can buy new plan n i m sure premium would be less than what you are already paying.. I just checked today, aviva has started 1 more plan named ilife secure. It will pay 10% of sum assured at the occurrence of event n rest payable monthly for next 15 years. This is better than lump sump payout i guess though I'm yet to do full research. Just check the site. Sent from my SCH-I535 using Tapatalk

Currency notes issued before 2005 to be withdrawn post March 31, 2014: RBI Source NEW DELHI: The Reserve Bank of India (RBI) on Wednesday advised that after March 31, 2014, it will completely withdraw from circulation all banknotes issued prior to 2005. "From April 1, 2014, the public will be required to approach banks for exchanging these notes. Banks will provide exchange facility for these notes until further communication," a press release by the central bank said. The Reserve Bank further stated that public can easily identify the notes to be withdrawn as the notes issued before 2005 do not have on them the year of printing on the reverse side. The Reserve Bank has also clarified that the notes issued before 2005 will continue to be legal tender. This would mean that banks are required to exchange the notes for their customers as well as for non-customers. "From July 01, 2014, however, to exchange more than 10 pieces of Rs 500 and Rs 1000 notes, non-customers will have to furnish proof of identity and residence to the bank branch in which she/he wants to exchange the notes," said RBI. The Reserve Bank has appealed to the public not to panic. "They are requested to actively co-operate in the withdrawal process," said RBI.

In PDF it is mentioned as Accidental Hospital Cash (Rs./30 days) 1000 Please could you also mention some pension plans. Regarding pension plans, or for that matter any insurance + investment plan sold under attractive nomenclature like child plan or pension plan should be avoided. All these are high commission paying plans & in end dont give u IRR of more than 8%, which you can get easily in FD or PPF. For pension, based on age / risk profile, combo plans can be made within mutual funds itself. Though they wont have any "PENSION" tag attached with their name, the returns generated can be utilised in form of pension. Generally we go for hybrid mutual funds where in 70% is invested in equity n 30% in debt. These funds are conservative but still onver 5-10yrs horizon can give 12-15% returns. (but no guarantee). And for pension, we do some tweaking. We purchase in Dividend option of some hybrid scheme say for ex. HDFC Prudence Fund, a top rated fund since 15+ yrs. Normally this fund will give dividend in March every year. So, once Dividend is announced, we configure it in such a way that the dividend would automatically be transferred in a debt fund like HDFC Cash Management Fund(CMF), which again gives returns in 5-8% & is not affected by stock markets. This kitty in cash management can be used as pension. We can even schedule withdrawals to be processed automatically every month on certain date for certain amount. I have attached a sample back tracking of same fund for same process for last 10 yrs. As you can see in attached working: 1. Rs. 10lac was invested in HDFC Prudence Dividend on 01/01/2003. 2. The fund declared dividend in July 2003 which was transferred to CMF 3. We started withdrawal of 10k (i.e. 1 % of 10 lacs) as pension from CMF on 1st of every month. 4. Now, before this balance in CMF gets exhausted, prudence gave next dividend in March 2004 & so on, every year. 5. As we come down, total 126 months have passed & we have got 10k every month. So total pension received till date is 12.60 lacs. 6. Even then, the residual amount remaining in prudence as well as cmf combined as on 01/01/2014 is around 41 lacs. 7. All the returns mentioned above are again efficient with tax point of view. I can answer any particular query in this regard as explanation may go too long n confusing. This actually works better than any other pension plan in the country. But then, you should have acceptance to stock market risks. This may have been not worked or may not work in future as shown. But, probability of this going negative is very least. To sum up, I would suggest combination of debt n equity mf, if planned well, can be best pension plans. You can add some investments in debentures which are going on @ 12% n they have option to pay interest monthly. prudence dtp.pdf

I doubt what will be the future of RCOM without CDMA, Giving away CDMA business will also give away the lucrative EVDO WiFi broadband, I hardly know any one using RGSM as primary number

Razr M via GEB @ Rs. 12,312.00 [This is almost Rimweb price ] GEB Link USE Coupon: 26REPUBLIC Inc 2 @ Rs. 7,084.00 [Will need to buy unlock code for 2 -3 $] And may more options like BB 9650 @ Rs. 4,712.00 Happy Hunting !

^^^ Take a chance and import it from CHINA or buy two phones, cheap one without camera for office hrs and one with everything for non-office hrs. For GSM just need to swap sim cards for CDMA I can make it easier

Catching the sunrise in kanyakumari and rameswaram in last 3 days. Visiting the land's end at Dhanushkodhi, the actual last tip of India from where Ram setu started for Sri Lanka. Sent from my MB855 using Tapatalk 2

For past 2 days I have been using this phone. I had been in RCDMA all these years and my handset journey was HTC Hero-Nexus S - Galaxy Nexus. So automatically my comparisons would be based on these. PROS: 1. Size - really compact size. I would say ideal for persons who use voice and SMS a lot and occasional usage of others. 2. Screen size - For a compact phone the screen is really big at 4.3" 3. Screen quality - this was the only point I was worrying BEFORE buying this phone. Now I am very satisfied with screen clarity. The inbuilt wallpapers are sooo good. 4. Any GSM or CDMA is really a cool feature. Though I have not checked with CDMA sim, I hope that too would not be a problem. 5. It is in Android 4.1.1 Jelly bean. The phone is smooth and I found no lagging in normal usage. 6. Battery is good but not excellent. For your daily usage it should never let you down. But if you use 3G a lot you will need a battery back up. Since it has an in built battery, u need an external battery pack, on days when you are out using 3G for maps and other heavy browsing. For normal browsing and unlimited talking u can rely on this 2000 Mah battery. 6. Network reception is good. I was travelling some 40 kms in car and talking all through the journey. I did not have a single disturbance. 7. Call quality was really good. But my Galaxy Nexus was still louder 8. USSD codes, call waiting, call conference and all other GSM features are working, except Call Divert(which I will elaborate below) 9. 3G and wifi working well. 10. I love Motorola home screen 11. The phone looks good and like a premium phone. CONS: The only issue I am having with this phone so far is Call Divert. Since it is Verizon Global phone, Verizon does not allow call diverting outside its network. There is no menu for call divert. Even if we try the codes it says 'Call forwarding Disabled outside Verizon network'. Waiting to find solution for this issue. Please help me. Other than these I have not used much. If you have any query, please feel free to ask, I will check and inform you.

Mothers day: I wanted to write this down since many days (weeks) but today is right moment i feel..... Few months back my mummy mastered the art of googling and find song in Youtube and elsewhere, then she learned to create playlist and transfer songs in iPod, then she went on to listening directly youtube stream on her mobile which she carried everywhere. One fine day she was listening to some very old folk song sung by some unknown artist in UP (our ancestors are from UP and type of bhojpuri is our native language) She kept on listing till night - next day i heard same till night again of and on she played this 3-4 days, i hardly understand it so i didn't asked. finally she came to me and told me i am so happy "I found the song that my mother used to sing to me when i was a child" i have very distinct memory of it but i had almost forgotten lyrics. I felt very very happy i just can't express - modern gadget gave my mummy those childhood memories back of her mother. Happy Mothers day to all - please express it to her now.