MUST- Maintain Uncertain Safety Time

AND

Buy Personal Family Health Insurance

Every human being must own a personal or family Medical / Health Insurance to safeguard his / her own as well as family member Health as well as Life. Almost every employer serves us with Family insurance under group insurance category which is beneficial and good but there are some negative points as well when it comes to claim the amount spent on Health Insurance.

1) Claim Procedure: - Sometimes, claim procedure becomes very lengthy when your employer does not believe in you and the papers you have submitted. The HR team examines the Medical paper as well as your records. If you are claiming every year for some serious health issue for one of your family members then the employer can think that you are taking advantage of Insurance facility provided by company and may reject your application OR the company which insured you through your employer/Company may reject your claim stating same reason what your Company/Employer already conveyed you directly or indirectly. Now why this happens? the reason is you are insured by third party i.e. your Employer/ Company.

2) Company's/ Employer's Financial Position : Every company travels with their Good times with profits and Bad times with less or no Profits. So if your organization is running under crisis then the atmosphere is created by default that company is not growing or is in financial crunch so we (employees) must not send papers for claims ( STRICTLY :- Any claim whether it is Mediclaim or transportation claim or any small spending on behalf of organization)  this happens with many in Employees.

3)  Sum Insured and Claim amount difference :- Every employer/Company have their choice of Medical/Health Insurance Policy in which the claim amount may be very less which may not be able to fulfill your needs in extreme emergency and you land up taking Loans or Credits from your near one. So when any employer/company provides you the health/medical insurance sum insured becomes the concern because on the amount of Sum Insured the premium amount is derived and employer/company tries to cut down the premium amount to reduce the spending on insurance year on year. The average Sum Insured amount is 3 Lacs to 5 Lacs which we need to hold on our name. Sometimes Sum Insured is divided into family members and which creates problem when it comes to claim.

Say your Employer has given you 5 Lacs Insurance and this includes your Parent (Sometimes parent are not included in family insurance as their claim becomes guaranteed because of their Age and health conditions) Wife and Children. The Sum Insured is now divided with number of family members, so, let us count family members-  Mother, Father, You, your Wife, your child, total number in your family are 5.Now, let us divide 5 Lacs with total family members number .i.e, 5 which comes to Rs. 1 Lac in each pocket which is good and comfortable for small and clinical diseases but what if any one from you need to go under surgical process at that time this One Lac rupees in counted as penny and we end up taking Loans and Credits.

4) Newly joined Company :- Few Companies/Employers keep cap on Health Insurance and don't allow employees to cover their family members initially for a year or two and afterword are allowed to include their family members. This cap system sometimes lands you in extreme bad position if any from your family gets hospitalized then the total burden comes on you or on everyone in the family and in this situation you become helpless.

So, having our own personal family Insurance is very much important then depending on our employer/ Company insurance. If we buy insurance on our own then we can alter our Mediclaim/Health Insurance year on year.

We get full rights to decide on following Matters:-

1. Sum Insured Amount and Premium Payment
2. Options on choosing Type of Medical insurance to Purchase
3. Medical/Health Checkup (If required on the basis of Age)
4. Number of Members to include
5. Parent & your family separate Insurance

Because of all of the above reasons and problems one should spend on his/her own family Health Insurance. Instead of depending on Employer/Company we as an individual must take one step to secure our family members health by purchasing Insurance. Health insurance costs maximum 25 thousand from adult to senior citizen which will provide a sum insure of Rupees 5 to 7 Lac for citizen below 35 and 3-5 lac for citizen 45 and above ( All figures are approximate and does not give any surety of same amount for age criteria) which comes to 2 thousand rupees per month on an average. So instead of spending for parties and extra non worthy happenings do spend on your Health insurance.

Securing yourself is the most important thing in our life. So buy a personal Family Health Insurance Instead of depending on Employer/Company to serve you.

BS III BIKE - A BRAND NEW SECOND HAND VEHICLE

Supreme court on 31st march passed an order stating that "BS III vehicle  i.e Bharat stage III has been banned due to its emission issue.Every BS III vehicle is not allowed to manufacture and register in RTO on or after 1st April, 2017.

From 1st April,2017 onward every BS III Vehicle is a second hand vehicle because to secure and sell BS III vehicle and cut down the financial loss on 31st March after courts order issued all over India, every Dealer closed down his Sales point and started registering in the Names of someone and showed it as sold product to RTO and if you buy it after 1st April 2017 then its a BRAND NEW SECOND HAND BS III VEHICLE of which you become the Second owner of the Vehicle because someone already registered it on 31st March on his/her name.Now if you bought BS III product on 31st march at discounted price and sell it to Someone then the person after you who buy your vehicle will become a third owner and so on...

So, if buy bought a brand New BS III model Vehicle then its a second hand and you are the second owner of the Vehicle and be ready for some trouble after 6 months or Year because BS III model vehicle may not be allowed for servicing as well and you may end up  paying huge amount at Private non Authorized service center.

SO, if you end up buying any Second hand Vehicle which is a BS III vehicle model then be careful and alert.

P.S - Instead of Buying BS III Model Vehicle buy any other vehicle which is Based on BS IV Model.

MET - March Ending Target

March is the month of accomplishing goals and fulfilling targets of the year.Every Individual on earth have some target to accomplish and achieve.From first date of April to last date of March is called "Financial year". In this financial year every Earning as well as the one who is completing or pursuing academics passes a level or restart the hard work to achieve a further level in life.

Every individual includes Student,Businessman/Women, Private and Government employees,Academician, Actor/Actress, Politician, Economist, Scientist etc.These body if individual or group have some aim and target to complete.Let us see what are the targets and how it affects in life if not achieved.

1. Students :- Every student, Specially Indian Student has to complete their study and be ready for Examination.After completing syllabus from professor in March, student needs to get ready with their preparation in April and after that they get Summer Vacation to take rest and be at home in this Hot and Steamy season.This period counts as a ladder if gets a successful result to go ahead in next class/standard or stay back if he/she is unsuccessful and give re examination or re evaluate the Answer sheets submitted for a quick review and consideration to look back on answer sheets to get successful in Examination.
2. Working Individuals :- Every working individual need to get prepared for tax deduction and Income tax file submission in the month of March as the financial year will get close on 31st march.So, to start with fresh accounting and finance records every individual need to e ready with their finance and next year's financial planing.
3. Firms,Companies,Organizations :- Every firm also need to submit and show their Annual Financial Statement i.e AFS to the government of India - Finance - Indian Taxation Department for tax purpose and to showcase how much company is growing or how much company is in loss.Every firm whether small scale or large scale starts with fresh financial,operational and administrative strategy for the coming next financial year.
4. Politicians :- Especially Cabinet minister, who needs to submit their Incomes and Expenses - Department wise- to showcase in budget to the Finance Department of the Country so that according to submitted data of Income and Expenditure the Finance department constructs a Nation's Financial Budget explaining the Expected Income and Expected Expenditure with some new additional expenditure which will help in nation's growth and expansion.If the Budget have any debatable Expenditure then that is debated and resolved in Budget session after presentation is over.
5. Climate :- The Climatic condition also starts changing at the end of March and at the beginning of April.The Winter season starts getting over and summer starts occupying its seat at the end of March almost every year and gradually the hot and happeing season starts from the beginning of April.So, even the Climatic condition also take participation in the month of March.

So, when we see the month of March it is filled with changes in Financial,academic,political and climatic changes.So,lets March in the month of March by closing our dreams and fantasies book and start with fresh & new aims, goals and objective we need to achieve in the upcoming financial year.

Personalities We Follow

The whole Universe follow someone as their Idol. We all have one whom we follow desperately and eagerly.We try to copy their style statement with looks and clothing and the typical  accent they use in their movie and personal life.Whether the Person we love or adore is from Film Industry, Politics, Economics, History, Cartoon,Virtual Character etc.we all keep information about their on going events, their presence, their likes and dislikes.

Now, the Question arises that, whether we just follow their Style and Look or do we also follow their Good works and Nature.There are only few followers who follow their Idol in every aspect from style statement to their nature and behavior.

If I am a die hard follower of Mother Teresa and I just admire her work only and I just love the way she spent her Life for others and if anybody by mistake utters wrong about Mother Teresa the He/She has to face a hot and angry conversation with me. I Praise her work publicly and personally and what I don’t do  beyond admiring is , I don’t share my food with my poor and hungry friends, I don’t consider to talk with poor people and mainly I being a boy don consider and respect girls or women. So, am I a good follower and admirer?. Yes, you are right, I cannot be a good admirer or follower until and unless I do practice what mother Teresa did all her life.

Let us have a look on most prominent, effective and strong Leaders and personalities whom the young generation admire and follow.

1. Shivaji Maharaj

2. Bhagat Singh

3.Mangal Pandey

There are many prominent leaders and personalities who strongly created their base through their efforts and contribution in History and what our young generation wants to adopt is the only the Physical appearance, they dont want to pursue the characteristics and thoughts of these leaders.

So, if you are following someone as your Icon or idol then do try to follow the Philosophy and characters they have observed in their life which will also boost the next and upcoming generation to keep them self sufficient and will make them strong, honest and loyal in their Personal and Social life.Today the one who follow Chatrapati Shivaji Maharaj opts the beard style and the aggression and he is not aware of the kindness Maharaj used to shower on his people who were connected with him in his Life.
So, dont just follow Styles, looks & physical appearance do also follow their philosophies and way of living life.

GBU - Demonetization

Good  Bad & Ugly Demonetization Effect

Currency Demonetization is Simply withdrawing the Value of a Currency and Making it Null and void by replacing a new Currency design, Denomination and Value.

INDIA, on 9th November, 2016 Demonetized 500-1000 Currency Notes in the Name of Pooling and Smashing out Black Money which are lied down in India Illegally.Few are with the Decision and Few are Against and the Debate is On from last the day of Demonetization on many News channels and Social media.

Anyway,Whether it is Good or a bad decision common man is getting troubled, Citizens are allowed to withdraw certain number of Amount only from His/Her own account. Number of Citizens are saying that it is a good decision and for that we are ready to bear any problem.

There is a mixed feeling in the society on Demonetization and withdrawal Limits.Let s Check the Good Part of Currency Demonetization and bad part as well.

Good Side of Demonetization

1) Introduction of New currency :- We have witnessed History its a good part because Demonetization decision is taken very rarely and to witness that we must have luck.

2) Less notes and huge amount in pocket :- Previously when we had 500 & 10000 rupees currency we had to take extra care even while withdrawing 10,000 rupees. So to withdraw amount in multiple of 10,000 we had to carry a special bag which now is not a issue because  5 Paper notes of Currency 2000 is easy and stress-less to carry in pocket and we want to carry multiple in number then also there is not much issue except when we do transactions in lacs of rupees.

3) Colorful Wallet/Purse :- The new Indian currency notes are very colorful. The Two thousand rupees currency note is Pink in color.It feels that the currency is dedicated to Women because Pink is denoted and believed as color of Women.The new Indian Currency of 500 rupees is grayish in color which reminds us the presence of 5 Rupees currency we used to have very long back even before the Green colored 5 rupee currency.

4) Cash Assessment :- After Demonetization I got to know who is holding how much in the family and what are the sources of their holdings and where they used to save their currency.

5) Saving Strategy :- The Indian Prime Minister shri. Narendra Modi introduced a new Saving scheme/strategy for every family by imposing withdrawal limits which allowed middle class family to save their salary that month because of huge Que and out of cash Board at ATM center.

6) Smashed Black money and Black money holder :- The demonetization decision smashed Black money within few seconds and minutes of declaration.Those who were holding Hard cash which was not in economical use became only pieces of paper because there was taxation slab to exchange currency up to Rupees 5 Lac till 31st December, 2016.

Bad Side of Demonetization

1) Long Que and Stress :- Every Indian Citizen was in long Que for hours and few were for days where cash was not available for every Bank account holder which was cumbersome and stressful. to deposit old Currency notes and to withdraw currency for day to day life expenses

2) Shortage of Money :- Due to long ques and shortage of money in banks as well as ATM centers every Indian Family faced shortage of money to spend for daily routine requirements. This shortage was alive and problematic till December end of 2016.

3) Lost Money and Lives :- Many people who did cash transaction in lakhs lost their money value and turned up their happiness into sorrow as there was taxation issue for those holding cash more than 2 to 2.5 lac rupees.Many people who were lower class family and don't have Bank account had to deposit their money in someone else account and this act gave birth to fraud people.

4) Slowdown in Business :- Due to demonetization citizens were having cash crunch which also troubled economy due to which almost each and every business earning got slow and they were unable to earn profit as buyer was having sufficient amount to pay and credits increased which postponed the earnings and profits.

5) Exchange problem :- Almost all ATM's now are filled with new Pink Currency of 2000 rupee which sometimes create problem.We want to buy something costing rupees 50 or 100 and we hold that fresh Pink note withdrawn from ATM machine and the seller get short of Exchange which creates problem and this becomes a negative side of Demonetization.

There were many issues and Problems during Demonetization and Post demonetization but the abow mentioned points tops in  good and bad sides of Demonetization