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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.

Yes, you read that correctly. Apple is relaunching its popular iPhone 4 in the Indian market. The phone was all the rage back in 2010 but is now barely running iOS 7 on a single-core 1 GHz processor, 512 MB of RAM and lowly 8 gigs of storage. Then there's the pricing - instead of going for something reasonable Apple has priced the iPhone 4 at Rs 22,900, the equivalent of around $370. That's for an 8GB version, mind you. It seems that the pricey iPhone 5s and uninspiring iPhone 5c aren't doing it for Apple in India where users aren't thrilled by the company removing the iPhone 5. The iPhone 4S looks a more reasonable smartphone at that price, even though it's over two-years old itself. So what do you think - a blatant slap in the face of Indian buyers, an entirely cash-motivated move by the company or the cheapest way to get an iOS 7 smartphone? Source

<p>On lighter note : bolna rimeb ke reputed seller hai hum... rather than u all rimwebian is waiting for my return </p>

Motorola launching the Moto G in India this week Back when Motorola announced the Moto G smartphone, we had heard that India will be one of the countries to get Motorola's latest smartphone. Now, according to sources at BGR India, Motorola will be launching the Moto G in India some time this week. As some of you may be aware, Motorola does not have any official presence in India any more, after the company quit business in the country a couple of years back. Due to this, Motorola does not have any channels to distribute the phone any more, which is why it will be partnering exclusively with online stores to sell the Moto G in India. Flipkart is said to be one of those stores, although it's unknown if it will be the only one. It will be interesting to see how the after sales services are handled. The Moto G to be launched in India will be the dual-SIM model. No word on pricing yet but the phone should be priced around INR 15,000-16,000 for the 8GB variant. Source

I would suggest better go on Monday....it works better. Again whether to believe or not they have fix number of visa to be given and they have higher number to issue on beginning of the week, some people would have there different opinion about this fact but trust me I have been monitoring all this past 15 years and all my family members have been through this few times positively. Try to take morning first slot by 9. And as said earlier your visa is decided much in advance as your back ground verification is checked the movement you apply for visa after making payments in VFS. They have smallest of the details of you can ever imagine, so one must never lie during interview. Sent from my iPhone using Tapatalk

For normal users: Cam Scanner. Turns your phone into scanner, crop, enhance, change perspective generate PDF. Was using since long but now the app has been updated and enahanced with lot of cool features and holo theme. https://play.google.com/store/apps/details?id=com.intsig.camscanner

HTC Site : http://www.htc.com/www/smartphones/htc-one/ HTC Support Site : http://www.htc.com/www/support/ Sprint Site : http://www.sprint.com/landings/htcone/ Sprint HTC One User Guide : http://support.sprint.com/global/pdf/user_guides/htc/one/htc_one_ug.pdf Engadget Review : http://www.engadget.com/2013/03/12/htc-one-review/ HTC One India site : http://www.htc.com/in/smartphones/htc-one/ The World's Number ONE phone? Initial Observations : 1. Very convenient size to handle. 2. Absolutely brilliant build quality. The HTC's Aluminum Unibody is a class apart from Samsung. Feels very solid in hand. 3. 4.7" Super LCD 3 screen is brilliant and brightness is better than Note 2. Though overall the Super AMOLED of Note 2 can be called slightly better. 4. The Beats Audio sound quality is just brilliant, the best I have seen yet on any phone. 5. The 4MP camera is again brilliant. Don't go by mega pixels, the sensor quality is far superior to anything seen on many phones. Front Camera is 2 MP. 6. It is on stock 4.3 and as a existing Note2 owner, I had no issues transitioning to this device. If anything the level of customisations is now miles ahead. 7. Easily handled with One hand. 8. GPS locking is without any error and very very fast, even better than Note2. 9. 32GB in built memory but NO option to add micro sd card. Though I feel that amount of memory is sufficient. Also the micro usb/mhl port supports usb chips upto 64MB by special cable. 10. NO dedicated camera button. 11. Notification light is present. 12. Sufficient 2300mah battery lasts a day but Note 2's battery is still the benchmark which lasts even upto 2 days for normal usage. 13. The back is all aluminum with sandwitched poly carbonate and is NOT openable. Micro SIM slot is on the side which supports GSM sims with full 3G. So this in effect is the First World Phone (CDMA+GSM) that I have owned. Though only one netwrok works at a time. Also there needs to be some GSM sim installed (working or non working) otherwise the phone gives 4G error. 14. Awesome 3G speeds. What I don't like: 1. I am told that some people are facing "Purple Photos" problem in low light shooting. No such issues faced by me. 2. Some people are also getting 3G speeds problem, not faced by me. 3. No flip case in box (cost cutting nowadays?). 4. No kickstand. Even with these, it is now the arguably one the BEST DESIGNED phones in the world at the moment. Now for some PHOTOS: The Phone The Box is slick and thin The Box opened in multi layers The Box's total contents. Notice the black charger, USB cable and Beats Audio Red headset. Close up Shots of the Camera (also note the noise cancellation mic on the back) and the back. The back also supports NFC. The top showing the Power Button with built in IR blaster. I use it also as a remote to control my Tata Sky Box and Samsung TV. Also visible the 3.5mm audio jack. The Micro SIM Slot on the left side The right side features only these slick volume controls. Also visible the 2MP front camera which also clicks brilliant photos and videos. The bottom features the micro usb port (reverse configuration than Samsung) and the microphone The blink feed Home Page is highly customizable Brilliant photo quality Size comparison with Samsung Note2

15k for 16GB will be a killer price, but not for 8GB model, IMHO as it has no sd slot. In fact, launching mobile phones without sd slot with just 8GB memory is useless IMHO.... Sent from my Note2 using Tapatalk pro

Root available for 98.30.1 Just over to following link and follow instructions... http://forum.xda-developers.com/showthread.php?t=2565758 Sent from my XT907 using Tapatalk

Finally... I paid fees thru neft... Not sure what wud happen to IMPS funds. But as I check NCPI site, failed transactions may take 5 days to refund. So keeping fingers crossed. Booked appointment for 31st Jan & Biomertics for 30th Jan. In the confirmation mail, they have clearly mentioned : Should my children come? Children under the age of 14 do not need to appear in person to apply for a visa. If you are also applying for a visa, you may carry your child’s application documents with you, along with one photograph of the child on white background (2 x 2 inches or 51 x 51 mm) in size. Further photo specifications are available: http://www.ustraveldocs.com/in/in-niv-photoinfo.asp. Even then I am going to take my kiddo... After all yogesh is going to baby sit him ifrequired ;-)

Also forgot to mention, if ever someone who has been granted visa pls also check with them. The interviewer would not even look at you even ones, they only look at the screen, as they are looking at you into the screen and not face to face. They screen your body language during personal interview....so just be relaxed and don't show signs of nervousness. Sent from my iPhone using Tapatalk

It seems they are deciding based on the details submitted in DS160. In my case the questions were very formal and we (me and my wife) were given visa for 10 yrs straight away.

Aalok Ji . Janmdin ki bahut Haardik Shubhkaamnaaein :)

Happy birthday!! Alok bhai have a good one

Exactly as Arun said, they wont decide anything by seeing ur DS 160. The whole visa approval is based on ur performance that day. If they dont get any proper answers..then ur visa will be rejected.

I doubt they would take a real decision based on the DS-160 form especially since there are no supporting documents submitted along with it. For example if you are applying for a B1 visa, the form does not ask you about the specifics of the business or conference that you are going to do/attend. Other than the monthly income and job profile, the rest of the form is pretty generic and unless you mentioned something in the negative (for questions like have you been arrested or convicted before or drug addict, etc.) the decision based on the form (if at all there was any) will usually be positive itself, I think.

hitesh, most of the points are covered by the people in above thread...! let me add up some more comfort for you. carry all the documents which you have prepared in a folder which has plastic partitions, if possible make little notations on the folder eg: fixed assets, bank statements, investment proofs, ITR for past 3 years, travel tickets round trip, if you have booked a holiday package then please carry that as well. the idea is to keep all organized. they would decide your visa much in advance (based on your info provided on visa form) and only screen you on personal interview which in most of the cases is not more then 90 sec...yes you read is right its 90 sec only. i have renewed my visa 3 times (2 work and 1 B1/B2) so i have experienced this before. DO NOT PUSH YOU FILE ON THE COUNTER, SHOW IT ONLY WHEN THEY ASK "SIR DO YOU CARRY YOUR INCOME STATEMENT" THEN SAY "YES SIR I DO WOULD YOU LIKE TO SEE", SHOW ONLY IF HE/ SHE SAY SO. they dont like people being pushing for things, only show the document which is been asked for. they want to see you confident....! so prepare for all the questions which i have listed out below. they may ask which places do you intend to visit, pls remember the names of the places you intend to visit. i am giving you few questions which you may consider to practice before you go for interview. please pratice this questions before, you and your wife sould be able to answer the questions same way. iam serious about this questions as they ask this questions for people who intend to travel as FIT (free individual travels) and not through travel agents travel plans. so please make the answers ready and pls carry a mock run for few times between you and your wife, remember practice makes you perfect and that adds your confidence at the visa center. avoid pregent pauses like ahh....! hummmm...! why would you like to travel to United states? what is your job profile? how long do you intend to stay in United states? do you have confirm return tickets? how much do you earn? what is your annual income? if you travel for 20 days who would look after the business? do you have credit card? will you really come back? what is the total cost of your package? how long is your package valid for? which airline you flying with? what is the date of arrivals in US? do you have friends and family in US? yes for friends and BIG NO for relatives. where would you be staying in US? why dont you travel through travel agents? why your family not travelling with you? (they have to take care of your business see question no 9) what is your total expenses in USA during your stay? have you traveled any other country? dont worry, your profile is best and they wont deny it as they need people to travel to US and spend money out here. now about your child who is below 14 years, you may take along as far as you have filled in the form and have paide the VFS fees, unless they dont allow you for some real serious reasons, let me know i am just round the cornor of US consulate. PM if you need some help, my office is just behind the consulate. i will do baby sitting for your kid dont worry. the finger impression is at trade center which is about a 1 km from the visa center. \ do not drive unless you have driver, they don allow cars to even stop near the facility. getting rickshaw is good option, if you have driver tell him to park on trident hilton lane which is opposite to the visa center, its walking for about 4 - 6 mins. if you still need any help please let me know. all the best.

Happy Wala Alok Bhai ..... Sab aap ke liye

Happy Birthday Aalok bhai

Many many happy returns of the day aalok, wish you a fantastic and fabulous day together with friends/family. Sent from my RM-914_using Tapatalk

<p>Many many happy returns of the day Aalok bhai... Pata nahi kyu aaj kal Aalok naam sunte hi hasse chhut jaati hai... </p><p> </p><p>Sent from my SCH-I605 using Tapatalk</p><p> </p><p> </p>

Happy birthday Aalokji!!

Many many happy returns of the day ALOK bhai

Happy Birthday Aalok

Aalok bhai Happy Birthday! tapatalking....

Dear aalok, Many many happy returns of the day, wishing u very happy and enlightening birthday. Sandeep Nagpur sent from my HTC EVO design using tapatalk

Happy Birthday Aalok Sir..! Sent from my LG-LS970 using Tapatalk

MANY HAPPY RETURNS OF THE DAY

Happy birthday aalokji. Sent from my VS950 4G using Tapatalk 2

Happy birthday aalok Bhai... Sent from my Note2 using Tapatalk pro

Many Many Happy Returns of the Day aalok Bhai :-)

Happy Birthday aalok!

What speeds do you get while using R Connect ? Well mine is very slow at an average of 50 kilo bits per sec only.