hiteshkkk1

If you have seen marathi movie time pass, you'll like this joke even more... After an interview with #‎RahulGandhi Aranab called soniya and asked, Main kya puch raha tha, wo kya jawab de raha tha! Soniya- Naya hai woh..."" Sent from my LG-VS980 using Tapatalk

Sent...

yes dear... tell me

I think you can go for razr maxxIt has awesome battery n can serve your purpose. You can get used on ebay.com easily n import it through ppo or snsThough it is Verizon, it will accept any gsm out of the box. Exact model no is xt912For network, i would suggest get an idea/voda/airtel 3g sim from any other circle n use in your circle in roaming. For ex, airtel mumbai sim works in idea n voda 3g/2g n airtel 2g (since it does not have license for 3g in Maharashtra) in Maharashtra This way you have very good coverage in all over Maharashtra. Same will apply in other states.. Sent from my LG-VS980 using Tapatalk

I am posting without any permission of hitesh hope it is alright. I have no knowledge of financial products.I have given health insurance policy to my staff members from indian bank (arogya raksha) they offer only family policy (proposer, spouse, children - upto 2 and dependent parents). They settle claims without much hassle so please check with bank. http://www.indianbank.in/services.php?by=78&ty=3 Looks really good considering no medical tests for any age, maternity cover, higher sum assured upto 10 lacs.. Just have to check premiums... Sent from my SCH-I535 using Tapatalk

not an issue if my requirements are met... but nothing above 15k

The basic principle before choosing any term plan would be its claim settlement performance. Now, since aegon religare being new & with very small customer base, it is yet to prove itself on this front. Mere satisfactory performance upto policy issuance is not the true indicator. So, as you can see on page no 50 of this public disclosure found here http://www.aegonreligare.com/download/file/fid/2041 the total death claims settled were hardly 79. On % basis, they did settle 79/79 claims that works out to 100% ratio for death claims. But, 79 is a very small number to judge. I have seen ICICI, HDFC, Birla, Aviva with claim settlement ratio anywhere between 90-95% n settling thousands of claim in a year. At the time of me buying Aviva, aegon was cheaper even then, but I did not wanted to go with new company specially when there were lot of rough patches in insurance industry. That said, as long as you are disclosing every material fact in your proposal form, no company is going to reject your claims. Claims are denied most of the times due to wrong information given at th time of buying for ex. 1. Not disclosing smoking / drinking habits 2. Not disclosing previous policies 3. Any other important material disclosure Most of the times, agents are the culprits for above points as they will never ask you these points and fill the form blindly for the sake of issuance n thereby commissions. So, to sum up, go with any company that meets your requirements, but see that you read n answer each n every point in form correctly. If so, you need not worry...

I was thinking to get good 5.1 speaker set.. As i have researched, Tata sky hd box support 5.1 only through spdif n not thru hdmi. So it should support digital audio input It should also have couple of aux inputs to connect my pc n mobile so i don't have to keep on changing cables... Sent from my SCH-I535 using Tapatalk

^^^ 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

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.

^^ Will surely come to it in future..

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 ;-)

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

In PDF it is mentioned as Accidental Hospital Cash (Rs./30 days) 1000 Please could you also mention some retirement plans. That means Rs. 1000/- would be payable but for max 30 days... So if person is in hospital for more than 30 days, even then, company will pay max for 30 days only...

They have started accepting IMPS n NEFT Check this : http://www.ustraveldocs.com/in/in-niv-visapay.asp But, if my trxn is rejected, i will do neft now...

What a beginning!! Transferred visa fee of 31200/- for 3 members thru IMPS. Amount debited but I got sms that trxn timed out... I am clueless what to do... Raised a complaint with kotak n even they are clueless... Will wait till I get refund...

Multiple people... Multiple views.. Need to know your views on possibility of getting visa based on day of appointment.. I've heard probability is more of appointment is on Thursday or Friday n less on Monday Tuesday... If there is nothing so, i would like to go on Monday... Biometrics is working on Sunday so can do it. This way can save one working day n my kiddo's 1 day school.. Sent from my SCH-I535 using Tapatalk

Again.. that was an detailed explanation... Thanks Vaibhav Now my only query remain : As per http://www.ustraveldocs.com/in/in-niv-photoinfo.asp , text reads as : Note: Children below 14 years of age are not required to be present at the Embassy/Consulate or Visa Application Center for the interview in person. Hence, Parents /Guardians should carry a hardcopy photograph of the child below 14 years of age at the Visa Application Center along with other supporting documents. And as per http://www.ustraveldocs.com/in/in-niv-visaapply.asp , text reads as : Note: Children under 14 years of age are not required to attend the appointment at the Visa Application Centre or visa interview at the Embassy/Consulate. Accompany/Guardians/Parents can carry the above documents. My query : 1. Does that mean I should not take my son at both the places viz Biometric on day 1 & Embassy interview on day 2? 2. Will they allow him entry if I take him inside with me? I cant leave him alone outside since hes just 6yrs. If his presence is not required, then I can leave him at my home town itself. If possible, need authentic info on these queries since if they ask my son's presence, it wont be possible as I am 400kms away from mumbai.

^^^ Thanks vaibhav.. I guess u did all the process in 1 day n so ur experience... Bcoz, now biometric is done 1 day prior to appointment date. So i feel there wud not be any need of rick or so.. Still, clarify me if i m understanding wrong.. I would be using cab or rick.. Dont have any car or driver in mumbai... May take my friend's car though... Would it be easy to find parking? Or cab is better?

Thanks hari.. This would be quite helpful.. My center is Mumbai.. Planning to book appointment for next week...

Finally submitted all the 3 applications.. Waiting for fee payment of 31200/- thru IMPS on Monday.. Will book appointment in next or next to next week. I've got invite scan copy from my distant relative n mentioned about his name n address in the form n relation as friend.. Lets hope for the best... Sent from my SCH-I535 using Tapatalk

Have one more query... Can we decide time slot for biometrics n visa appointment? I wud prefer biometrics after 3pm.. Or they just give option of date n time would be allotted automatically? Sent from my SCH-I535 using Tapatalk

Thats the main point I have in mind. I dont have any near ones in USA either by citizenship or on work permit. Though I am very close to my relatives who are US citizens, but they are very distant relatives & dont have any direct family relationship with me. So, my point was, does it makes sense to get invite from these distant relatives (can be termed as friend)?

I am talking about tourist visa only... As far as I know, B2 is tourist visa.. Check this site here : http://newdelhi.usembassy.gov/types_of_visas/tourism-/-business.html Text reads as : The United States offers a ten-year, multiple entry visa for adult applicants. Most applicants applying for a nonimmigrant visas are visitors for business (B1) or tourism (B2). The two categories of visa are usually issued together as a B1/B2 visa.

Reliance Jio Starts Deploying LTE Towers In NCR : http://m.lightreading.in/lightreadingindia/news-analysis/287077/reliance-jio-starts-deploying-lte-towers-ncr-sources?utm_source=referrence_article Gagandeep Sodhi| January 14, 2014| The much-awaited launch of Reliance Jio Infocomm is getting closer. The company has started deploying towers in the National Capital Region (NCR), according to reliable industry sources. "The testing phase is over now and Reliance Jio has started deploying Global Base Monopole towers in Noida and Greater Noida," said a well-placed industry source. Though the date of the launch is not known, it is no longer a secret that the company would launch operations in the metro cities of New Delhi and Mumbai. Reliance Jio Infocomm recently granted media preview of its services. (See: Reliance Jio Inches Closer To Launch.) This was corroborated by another well-placed industry source. "Yes, the towers have come up in Noida and Greater Noida and they belong to Reliance Jio. All the infrastructure deals have been closed and the company is gearing up for the launch of the services now." Reliance Jio had granted order for Li-ion telecom batteries for 10,000 Global Base Monopole (GBM) sites across the country. Sent from my SCH-I535 using Tapatalk