TOP UP and SUPER TOP UP - DIFFERENCE

 

Please note that you should have a basic plan before going in for Top up (excess paid) or Super top up (cumulative).

Most importantly you should have an agent who will help in CLAIMS and not just sell the policies.

It is noted that many insurance companies sell the policy promising everything and when it comes to claim go through fine tooth comb to avoid paying any claims. 

A small scratch during your school days could become a preexisting for a heart attack.

MY ADVICE TO POLICY MAKERS IS AT TIME OF INSURANCE LIST OUT PRE EXISTING AS PER CLIENT AND AS PER THE FINDINGS OF MEDICAL TESTS. REST ANYTHING SHOULD BE CLEARED AND NOT GO THROUGH NON EXISTING LINKS TO DISEASE AND REFUSE CLAIMS.

Fixed Interest Rate Options

Please note the interest rates keep changing depending on govt. policy. Above is a guideline. Check the correct interest rates prevailing at the time of your investment. Each banks have their own rules for minimum and maximum amounts. Check all that before investing.
 

Type of Cash flow

 

Sector PE

 

Quotes

Memorable Quotes

Never measure your worth with the size of your office or the grandness of your title. Your worth is measured by the value you create for your employer, society and the world- Shunu Sen, Marketing Director Unilever ltd.

Don't wrestle with pigs. You both get dirty and the pig likes it. - Mark Twain

Risk is a combination of danger and opportunity. You cannot have one without the other - Ashwath Damodaran.

Unhappiness is caused more by looking at other's achievement than one's own.-Subramanian

Happiness is what you do with what you have, Unhappiness is what you do with What you don't have - Subramanian

A bull market is when you check your stocks every day to see how much they went up. A bear market is when you don't bother to look anymore." - John Hammerslough

The %age of income you are able to save is more important than the %age of return you get. Particularly true when young and beginning of the career. 

Stomach grumbles when empty and sends a signal. The Brain doesn't. So decision making in investment has to be done carefully with full brain and not empty- Subramanian

Yesterday I was clever, so I wanted to change the world. Today I am wise, so I am changing myself- Rumi

You can do everything right and still lose. That's not weakness, that's life. Reverse is also true.You can do everything wrong and still win. That's not strength, that's luck.- Quote from StarTrek.

A cynic is a man who knows the cost of everything, but the value of nothing.- Oscar Wilde

 If people weren't so often wrong, we wouldn't be so rich Warren!- Charles munger

Strong minds discuss ideas, average mind discuss events and weak minds discuss people -Socrates

It is better to be roughly right than be precisely wrong-John Maynard Keynes

 Einstein said, everything that can be counted, does not necessarily count; everything that counts cannot necessarily be counted.

Everybody wants to go to heaven, but nobody wants to die. In Investments, it is the same. Everyone wants a high return, but nobody wants to take the risk. 

I bend with respect but not so much as to allow people to walk over me.

Stock Market is an art where traders take large amount of your money as SIP and give small amounts of profit now and then as incentives to make you stay in the Market. Investors are those who look at the huge hanging golden pot and lose whatever is there in the pot

Theodore Rossevelt, US president 1910 speech

Titled: Man in the Arena

It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly.

Every Job looks easy when you are not the one doing it. Jeff Imelt - ex CEO of GE.

Festinger's Law states that 10% of life’s troubles are caused by events themselves, while 90% are determined by how we react to them.

The Ephemeral Selfie tourist

 The Ephemeral Selfie Tourist

In olden times people used to visit places during vacation to look at its history, take the feel of the place, eat the local food at the restaurant and generally amble around to really get the full value of the visit and vacation.  There probably used to be one or two photographs in front of an iconic building like Eiffel tower, London tower or a Buckingham palace.

Nowadays, the travel bug is more of a selfie bug. That as soon as you land, tourists take selfies and post it in the Social Media to inform you have arrived at that place. Photos of every moment is taken - be it food (rather than enjoying the taste and flavor of the place) or dangerously hanging on to a monument with no respect for the monuments history. These new, what I call as Ephemeral Selfie tourist is more interested in flooding the Social Media of their friends and public with photos than really having a nice vacation.

Today's tourist visit places for 2-3 days purely for selfies and mobile photos than relaxing at a place. While the airlines also like to promote these short trips as it makes them keep their aircraft flying more, the hotels also see a higher turnover and the shopkeepers can sell more souvenirs to more such fleeting customers.

The lazy, languorous, visit of olden times vacation is long gone in this new era of quick trips.

 

Are we eating to death?

 Read a post from a Doctor on the above heading.

Set me on an interesting thought that in olden times, people used to fast - be it Lent or Navratri or Ramadan. They let the stomach rest and utilize the energy in the body to reboot itself, so to say. But now a days people are fasting only for some hours and a new  craze of intermittent fasting has come. Eat once in 12 hours.

The issue is that unfortunately after the fasting there is feasting which is not the right method of fasting. I have heard of patients who used to eat well and  who went into hospital with high BP, high Sugar etc and  reached a stage no medication could help and Doctors could not do much either except increase the medicine dosage.

But surprisingly there are cases  where by controlling food intake and practically no medicine and some exercise, people have lost weight, normalized their BP and controlled their Diabetes.

There is an interesting assignment for those who want to do a proper study. Fasting should be for 24 hours and should not be followed by feasting. There has to be a gradual intake of food - Be it light porridge or Rasam and some ghee. Fibrous foods to bring back movements in the stomach and bowels will help.

Another way is to avoid carbs soon after fasting. All these could probably make the person healthy and fit. Like in olden days, people had energy to work even during fasting without getting unduly tired.

Modern day problem is the excessive marketing of food and to give large discount on big sizes. Whopper burger or a triple or quadruple sundaes etc. These only increase the cravings and difficult to go on a diet as stomach is used to huge quantities of food. This then leads to continuous medicines. One tends to believe, Pharma companies may be encouraging food companies to increase quantity and high calories items to ensure customers become permanent pharma companies patients. 

Second modern day problem is the food delivery, as one gets at home the food one wants, rather than thinking twice to go and visit a restaurant.

Third modern day problem is food is gulped fast and in large quantity in front of TV or mobile pictures. In this case, the taste only matters and not the fullness of the stomach which is felt when eating dinner on the table or floor. If you are having dinner at the dining table, you will normally get up to watch a program or do some task. Food intake will thus be automatically restricted unlike food in front of TV or computer.

One should try 24 hour fasting followed by light non carb meals and done every 15 days to probably lead a healthy life.

Disclaimer: This is just a thought and not an advice or a recommendation. Best to consult a certified nutrition or a Doctor for food diets.