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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.

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

i ll jus add some more.... Term Insurance is something i ASK all my business associates, seniors, juniors, friends and all..... I believe this is the most effective and most economic insurance policy. it covers pure risk and they dont return the premium paid and hence very cheap. For age 35, Rs 1 cr policy for 20 years duration is between 10k to 20k p.a. for different cos. if u take endowment or any other traditional policies, premiums would be in excess of 1 lakh for sure and then after 10-15-20 years they wud return money which generally works out interest rate of 6-7%. better would be buy term policy and rest u invest in tax free bond which currently gives u 8.5-9%. or invest in PPF second investment avenue is PPF. three main advantages: one is tax free, two is almost RISK free, three is: this PPF fund can not be attached by any one. this means that even if one is declared bankrupt, court can not seize this account and u need not legally pay from this account. one can invest max. Rs 100000 a year. current rate is 8.7% tax free (changes every year) . Rs 100000 a year for 20 years can create wealth of Rs 49 lacs. (see calculation and assumption in attached file) in India, where there is no social security, this is one of the best avenue in my opinion. Hope u like this. Thanks ppf magic.xlsx

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.

Swipe MTV Slash 4X Quad Core Dual SIM Tablet Launched For Rs 8,990 Rs 8,990 on Ebay >> http://www.ebay.in/itm/ws/eBayISAPI.dll?ViewItem&item=171219116964&ssPageName=STRK:MESE:IT 7" HD IPS 1024x600 OGS Display 1.3 Ghz Quad Core Processor 1GB RAM, 4GB Flash, Expandable via Micro SD Card Android 4.2.2 Jelly Bean Dual SIM 3G/2G Data Support, Voice Calling Bluetooth, GPS & A-GPS

Actually TAX FREE is confusing when it comes to investments. Let me clarify.. 1 is TAX FREE at the time of entry. 2nd TAX FREE at the time of maturity I am not sure which one are you referring. So, I will explain all the 3 cases. Investments done in instruments approved under Sec 80C can be considered for INCOME TAX exemption. The max limit for this is 1 lac. So, if your annual taxable income is say 4 lacs & you invest 1.5 lacs in 80c approved investments, you will get exemption of max 1 lac n u have to compute tax as per 4 lacs. Now, 80C instruments as available are : 1. PPF - Lockin 15 yrs. Someone expert in PPF can give more insight. 2. ELSS Mutual Funds - Lockin 3 years - means u cannot withdraw before 3 yrs from date of investment, at any cost. 3. Tax Savings FD - lockin 5 yrs n at current interest rates 4. Life Insurance (Endowment / Term / ULIP) 5. Contributions to Provident Fund 6. Principal component of home loan Anyone looking to take benefit under sec 80c, i would recommend to 1st go for term plan. Then add total investments / contributions towards PF and Home Loan principal. Now, whatever amount is required to complete 1lac, can be divided between PPF & ELSS. So for ex. your residual amount that you have to invest in 80C come to 60k then u can invest 10-15k per year in PPF & rest in good ELSS funds by way of monthly SIP. This ratio of PPF vs MF can be decided depending upon age of investor. In earlier ages i.e 25-35, one can keep higher allocation to MF n then later on higher allocation to PPF. Some of the good ELSS funds are 1. Franklin India Tax Shield 2. ICICI Pru Tax Plan 3. HDFC Tax Saver Now, coming to 2nd part, i.e. TAX FREE at the time of maturity, if you are referring this, we will discuss below. Investments in : FD are taxable as per tax slabs Debt Funds are taxable under heads Short Term Capital Gains if held less than 1 yr n taxable under heads Long Term Capital Gains if held for more than 1 year. In case of STCG, you have to pay tax as per slabs In case of LTCG, you have to pay tax @ 20% after indexation benefit or 10% on total profit, whichever is less. Equity Funds are also taxable under heads Short Term Capital Gains if held less than 1 yr n taxable under heads Long Term Capital Gains if held for more than 1 year. But, STCG for equity funds is 15% irrespective of slab & LTCG in case of equity funds. So, to answer your question, if you are seeking tax free returns, you can choose any equity fund n preferably choose SIP mode. Hold them for 1 yr n then they are tax free. Also, let me add, dividends in MF are paid from out fund itself. That means, after payment of dividend, our fund value comes down by that amount. But then those dividends are tax free. So, my advice would be to opt for dividend plan in any equity mf investment. Be it ELSS or non ELSS. Also apply for Dividend sweep plan to any debt fund. By this, we are automatically booking profits every year n the amount is invested in safe investment earning 8%. If dividend is taken as payout in bank, 99% chances are we end up using that amount for useless things. Some top rated funds you can choose are Aggressive - (Risky but may give good returns in 10+ yrs horizon) 1. HDFC MidCap 2. ICIC Prudential Discovery 3. Birla Sunlife Mid Cap 4. Reliance Small Cap Diversified - (Stable funds with 5+ yrs horizon) 1. HDFC Equity 2. ICICI Prudential Dynamic 3. Franklin India Prima Plus 4. IDFC Premier Equity Conservative (preferabley large cap or hybrid with 3+ yrs horizon) 1. HDFC Prudence 2. ICICI Pru Focused Bluechip 3. Franklin India Bluechip 4. Birla Sunlife Frontline Equity Invest in any of the above funds based on your horizon n hold them for good time. You will get tax free return for every particular installment that is held for 1 yr. Thats a very good question. Many of my clients are stuck in getting coverage for their parents. For 60+, I have 2 options which i suggest for my clients. 1. Star Health Senior Citizen Red Carpet No tests needed. Only limitation of this product is company will pay 70% of claim amount for all claims n for pre-existing diseases (PED), claim amount is 50%. So in your case, claims related to diabetes n cardiac would be paid only 50%. 2. National Insurance tailor made product with Bajaj Capital This is most suited for such cases. You pay premium as per your age n your parents are covered in your premium Again no tests needed & claims paid 100%. Known PED covered after 4 years. Premiums are very reasonable. Only catch is you should be existing customer of Bajaj Capital. So, what you could do is, buy any liquid fund for 10k with them, get the policy, redeem the fund. This is 1 time process. Renewals would be easy. You can check Bajaj Capital branch in your city. If you are unable to hunt, let me know I will guide you. Will let you know about pet insurance. Just tell amount of insurance that you require. Rohit bhai... That was perfect.. But I guess your calculation is incorrect. The final amount should be 52.45 lacs. I think u forgot to calculate interest on investment amt for that year. I may be wrong. Pls recheck. If we leave this attaching thing, i guess if we have holding period of 15 yrs, we should go for riskier investments i.e MF than investing in PPF just for 8.5%. It hardly beats inflation. Though its just my view n there must be some allocation to PPF. (I dont have any for myself though) I would suggest you to go for any online term insurance. They are pretty cheap. You dont need any agent n end up saving commissions. Aviva has 2 plans n 1 is payment of full sum assured at occurrence of event & other one is payment of sum assured in staggered manner. I think the 2nd one is good. The dependents can get continuous payouts at regular intervals. Here is the link : Aviva i-Life Aviva i-Life SecureOther options to consider are HDFC Life Click2Protect Birla Easy Protect - This is not available openly but thru agents. check with some birla agent.But still, premium is cheaper than HDFC. Let me know your details like DOB Smoking Habits Required Sum Assured. I will give u amount from my agent portal.

Superb service by Hopshopgo for Western India. When PPObox halted its operations in early January, I chose HSG and all my used bad esn phones were delivered on the fourth day of shipping from Portland. I did get an option to repack the phones in Portland but I did not instruct to club them all. HSG has per Kg weight scale charge, most handsets ship in their $24 shipping. A detailed customs invoice is delivered by Bluedart who partners DHL in India. Real-time tracking all the way thru and SMS alerts during inward customs and customs clearance. Customs duty was charged as brand new phones. Sent from my SPH-L720

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

Apple To Dump Unsold Inventory Of Iphone 4 8GB In India For Rs.15,000 & Above For Each One of the biggest complaint from Indian consumers about Apple is that they consider us & our country as some sort of dumping yard of unsold inventories of Iphone models. We get latest Iphone models months after many other countries get, although Apple is trying to change that. But according to Economic Times, Apple is thinking of going old days, by wanting to dump the unsold inventory of Apple Iphone 4(which is discontinued & no longer manufactured) in India, although they give a valid reason to do so. The Economic Times quotes some of the dealers of Apple products in India, saying Apple is looking to compete in the lower end market of Smartphones. The price will be around Rs.15,000 with many buybacks & EMI options. So, if any body interested in the 4 year old model then get ready to shed around 15k because Apple may relaunch Iphone 4 8 GB as early as next week.

this sounds interesting > NVIDIA Reveals Tegra Note Complete Tablet Platform, Powered by Tegra 4 In the next few months, our partners will be bringing Tegra Note to market worldwide with features that speak to local consumers, among them are EVGA and PNY Technologies in North America; EVGA, Oysters and ZOTAC in Europe; Colorful, Shenzhen Homecare Technology and ZOTAC in Asia-Pacific; and XOLO in India. They join other partners, including HP, ASUS, Toshiba, Kobo and Xiaomi, that have already announced Tegra 4-based products. To whet your appetite, heres a rundown on some of the Tegra Notes unique features: Ultra-fast performance Powered by Tegra 4 with a 72-core GeForce GPU and quad-core Cortex-A15 CPU with a fifth battery-saver core, making Tegra Note the worlds fastest 7-inch tablet. Superb stylus NVIDIA DirectStylus technology transforms a normal stylus into an incredibly responsive experience with finer point and broader stroke control. It also comes bundled with apps for convenient, stroke-based note taking. Exceptional sound NVIDIA PureAudio technology offers rich, deep audio including the widest frequency range in a tablet through front-facing stereo speakers with a bass-reflex port. Groundbreaking camera The camera uses Tegra 4s processing power and Chimera computational photography architecture to deliver stunning new features. Tegra Note also brings SmugMugs Camera Awesome app one of the top camera apps on iOS to Android. Camera Awesome delivers exclusive Tegra 4 features like tap-to-track and 100 fps video with slow-motion playback. TegraZone gaming Delivering unmatched gaming, NVIDIA TegraZone provides easy access to Tegra-optimized games with visual effects that arent available on other tablets. Tegra Note also supports a variety of game controllers for console-class gaming. Great battery life 10-plus hours of HD video playback. Accessories galore An intelligent slide cover flips and bends to support and cover the tablet. It also lets the tablet be set up in three distinct positions using built-in magnets for added flexibility. The DirectStylus Pro Pack enables a variety of writing styles with interchangeable tips. And Bluetooth capabilities turn the tablet into a game controller. On top of that, users get over-the-air (OTA) software updates provided directly by NVIDIA. This will help ensure customers have current software, offering the richest experience with their devices. Heres a full set of the specs for quick reference: Processor Tegra 4 mobile processor with quad-core Cortex-A15 CPU and 72-core GeForce GPU Display 7-inch HD IPS LCD display (1280 x 800) Camera Rear 5MP and front VGA webcam Storage 16GB storage with microSD expandable up to an additional 32GB Audio Front-facing HD Audio stereo speakers with a unique bass-reflex port Stylus Chisel and Brush tips for natural writing and broad strokes Peripherals Micro HDMI connector to drive big screen TV videos and gaming OS 100% Android with latest version of the OS Software Updates Over-the-air software updates directly from NVIDIA Battery Life 10 hours HD video playback NVIDIA Reveals Tegra Note

for M, with sqlite > The path will be "data/user/0/com.motorola.android.providers.settings/databases" So select data > user > 0 > com.motorola.android.providers.settings > databases > settings.db > settings After selecting settings a list will pop up. You can do one of two things. Tap the magnifying glass and type "entitlement_check" and search for that, or scroll down to line 68 (yours may be a different line) and select it. Tap the pencil icon. You will see a new screen that has _id "auto", name "entitlement_check", and value "1". Change the "1" to a "0". Hit save. You should now be able to use the stock VZW hotspot app. http://forum.xda-developers.com/showthread.php?t=1981625