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Women Empowerment REVIEW OF LITERATURE

noreply@blogger.com (Anonymous) — Mon, 02 Nov 2015 03:40:00 +0000

SECTION -1 CONCEPT OF EMPOWERMENT

2.1.1 Empowerment - In Methods of Social Work

2.1.2 Significance of Empowerment

2.1.3 Self - Empowerment

2.1.4 Empowering Group

2.1.5 Empowering Community and Organizations

2.1.6 Measuring Empowerment

2.1.7 Approaches to Women's Empowerment

2.1.8 Virtuous Spirals of Empowerment

2.1.9 Educational Empowerment

2.1.10 Economic Empowerment

2.1.11 Psychological Empowerment

2.1.12 Social Empowerment

2.1.13 Political Empowerment

2.1.14 Technology and Empowerment

2.1.15 Futuristic View on Empowerment

2.1.16 Development and Empowerment

2.1.17 Empowerment of Women in India

2.1.18 Urgency for Empowerment

2.1.19 Need for Dalit Women's Empowerment

2.1.20 Strategies of Empowerment

SECTION - IE SELF-HELP GROUPS

2.2.1 Concept of Self-Help Groups

2.2.2 Composition of SHGs

2.2.3 Formation of SHGs

2.2.4 Seeding the Concept

2.2.5 Promotion of SHGs

2.2.6 Changing Role of NGOs

2.2.7 Functions of SHGs

2.2.8 SHG -The Stem of Schemes

2.2.8.1 Panchayats

2.2.8.2 Cooperatives

2.2.9 Discipline-SHG Watchword

2.2.10 Linkages to Bank

2.2.10.1 Individual Diminutive Loans

2.2.10.2 Group Ventures

2.2.11 Support from Men

2.2.12 State Initiative in SHG movement

2.2.13 SHGs in Dindigul District

2.2.14 Learning and Awareness

2.2.15 Budding Entrepreneurs

2.2.16 Training and Capacity Building

2.2.17 Eco-friendly SHGs

2.2.18 Challenges Ahead

2.2.19 Opportunities in SHGs

2.2.20 SHG in other States of India

2.2.21 Empowerment through Self-Help Groups

2.2.22 Self-Help Groups of Dalit Women

SECTION - 111 SELF-HELP GROUP MOVEMENT

2.3.1 Origin

2.3.2 Programme Route of SHGs in India

2.3.3 The Indian Experience of SHGs

2.3.4 Support to Training and Employment Programme (STEP)

2.3.5 Training Cum-Production Centers

2.3.6 Rashtriya Mahila Kosh (RMK)

2.3.7 Indira Mahila Yojana (IMY)

2.3.8 National Commission for Women (NCW)

2.3.9 National Policy for Empowerment of Women

2.3.10 Parliamentary Committee for Empowerment of Women

2.3.11 Rural Women's Development and Empowerment Project

2.3.12 Swarnajayanthi Gram Swarozgar Yojana (SGSY)

2.3.13 Involvement of Banking Sector

2.3.14 Innovative attempts of Tamil Nadu

2.3.15 Tamil Nadu Women in Agriculture (TANWA)

2.3.16 Programmes for Dalit Women

2.3.17 Role of Non-Governmental Organizations

2.3.18 Nature and future of NGOs

2.3.19 Tamil Nadu Social Service Society (TASOSS)

2.3.20 Coimbatore Multipurpose Social Service Society (CMSSS)

2.3.21 Dindigul Multipurpose Social Service Society (DMSSS)

2.3.22 Madurai Multipurpose Social Service Society (MMSSS)

2.3.23 Puthiya Kannotam (New outlook)

2.3.24 Networking for Enhancement

2.3.25 SHG women in Panchayat

2.3.26 SHGs and Other Institutions

2.3.27 Politicizing SHG Movement

2.3.28 Jeopardizing Emancipation

2.3.29 Conclusion

5 Best Websites to Buy Refurbished Phones

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 19:06:00 +0000

People who wish to save money often hunt for the best refurbished phone deals. While the word ‘refurbished’ might be unattractive to technophiles, you cannot ignore the advantages of an efficient buy. They are relatively cheaper in comparison to their brand new counterparts. Some of them also undergo cosmetic makeovers (but only if it affects the functionality of the phone). Realizing the greater profitability of recycling and reusing smartphones, many refurbished phone websites have come up to provide great used smartphone deals in the market. Let’s take a look!

1. Greendust.com

Image Source: http://techone3.in/
GreenDust is one of the premier online portals for buying refurbished phones, branded factory second goods, factory surplus, and overstock products at the lowest prices. Most of their products even carry a specific discount percentage. Every product sold via GreenDust has to pass through a stringent test process. Also, technical experts at GreenDust correct the smartphone’s dents and scratches if needed. Another neat USP is that they don’t charge any shipping prices. To add to this, all of their smartphones are covered with 1 year warranty and 15 days return policy.
Brands they deal in: Samsung, Blackberry, LG, HTC.

2. Gobol.com

Image Source: http://www.storereviews.in/gobol/
One of the fastest growing online websites for refurbished, carton damaged and factory second goods, Gobol offers a wide range of products to choose from. Their products are all tried and tested by experts. To efficiently compete with other surplus online markets, Gobol has adopted the traditional notion of low prices with huge discount offers. For the customer’s peace of mind, they have insured their products with theft and damage cover to avoid losses in transit.
Brands they deal in: Apple, Sony, Nokia, HTC, Lenovo, Micromax, Xolo.

3. Reglobe.in

Image Source: http://www.indianweb2.com/2014/09/19/reglobe/
Though you have a long list of websites for buying refurbished products, at ReGlobe, you can also sell your old smartphones and appliances for cash by filling a form. They have made the whole selling process easy. All you have to do is select the category of gadget and then schedule a pick and drop. To retain their customer’s interest, they have various coupons and deals with attractive discount schemes. Unlike their competitors, they have adopted a two-way approach. While they sell their products online through the ReGlobe website, they also collaborate with dealers to reach out to the customers in smaller towns. They assure correct pricing and performance appropriate to determined standards.
Brands they deal in: Apple, Xiaomi, Smsung, HTC, Xolo, Sony, Motorola, Blackberry, Nokia, Asus, Panasonic, Lenovo, OnePlus One.

4. Togofogo.com

Image Source: http://www.authorstream.com/
Togofogo is an online marketplace for selling and buying unboxed, surplus stock and refurbished products. Experts at Togofogo.com focus on a rigorous and extensive 75 point quality check process to assess the functionality of a product. All their refurbished phones are covered with warranty for stipulated period of time by WarrantyBazaar. The website also provides scope for Pan-Indian transactions supported through integrated logistics support. You can compare prices of the product in different cities before making a transaction. And in case the product isn’t as per your expectations, they also provide 100% cash back guarantee.
Brands they deal in: Blackberry, Samsung, HTC, ASUS, Nokia, Karbonn, Gionee and many more.

5. Overcart.com

Image Source: http://techcircle.vccircle.com/
Overcart guarantees more than 66% savings on the purchase of refurbished smartphones. All of their products have been reworked in a manner that gives them the best performance level. The appearance of the devices might be a little affected, but the expert technicians make sure that the phones work well and their operational parts last for a long time. Their refurbished phones carry brand warranty and are supported by after-sales support.
Brands they deal in: LG Nexus, Samsung, Apple, Micromax, Asus and many more.
Refurbished phones are not only advantageous because of their low pricing, but also because recycling is an environment friendly option. However, remember that these phones have been pre-owned and already used by someone else so there is a slightly increased chance of damage. The best way to hack a beneficial refurbished smartphone deal is to do a lot of research. Abstain from purchasing phones from a dealer or website which has a negative reputation. Further, one should always compare the prices and check for the warranty period. After these prerequisites are met, you are good to go!

COURSES

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 19:06:00 +0000

RNIS College Of Financial Planning

Address: 1st Floor 202 Okhla Industrial Estate Phase III, Delhi, Delhi, 110020, India

Phone: 47101000,26830883, , 47101000,26830883

Company Description: RNIS College of Financial Planning is one of the leading Institutes in Delhi imparting Education & Training to students. Since its inception in the year 2000, we have trained more than 18,00,000 ...

Delhi Insurance Institute

Address: 1st Floor 76 Janpath, Delhi, Delhi, 110001, India

Phone: 23739662, , 23739662

Company Description:

J L Arora Development Officer

Address: N Block 72 Branch 115 Connaught Place, Delhi, Delhi, 110001, India

Phone: ,27023882, 9811377632, ,27023882

Company Description:

R N I S College Of Insurance

Address: 202 Phase III Okhla Industrial Estate, Delhi, Delhi, 110020, India

Phone: 33786012,33786013, , 33786012,33786013

Company Description:

National Institute of Financial Market

Address: C-4 Janakpuri, Delhi, Delhi, 110058, India

Phone: 45646322, 9582947745,9582230590, 45646322

MCA BCA

International Institute of Training and Research

Address: Okhla Industrial Estate Phase I, Delhi, Delhi, 110020, India

Phone: 45673300, , 45673300

Company Description: Since inception in the year 1994, we have been aiming at setting new standards in the field of providing quality education in the field of medical science. Our courses are designed according to the ...

Delhi Technological University

Address: Main Bawana Road Shahbad Daulatpur, Delhi, Delhi, 110042, India

Phone: 27871018, 1127871018, 27871018

Company Description: We are into Institute of Engineering Colleges Established in the year 1941, we, Delhi Technological University, are engaged in offering higher study programs for students. We offer professional ...

Teerthankar Mahaveer University

Address: New Delhi House 202 Barakhamba Road Connaught Place, Delhi, Delhi, 110001, India

Phone: 9871997837,9540418441, 9871997837, 9871997837,9540418441

Company Description: Established under the Act of Government of Uttar Pradesh (No. 30 of 2008) on 14th September, 2008, Teerthanker Mahaveer University is a young and dynamic university in the country offering ...

Aakash Institute

Address: 3rd Floor V 4 Pitam Pura Shalimar Bagh, Delhi, Delhi, 110088, India

Phone: 47513003, , 47513003

Company Description: 20 years ago a teacher set out to make a difference in the lives of students. His passion to train weakest of minds to crack toughest of exams. brought him unparallel laurels. With his growing ...

Amity Institute For Competitive Examinations

Address: E 25 Defence Colony, Delhi, Delhi, 110024, India

Phone: 24336143, 9810178470, 24336143

Company Description: Amity Institute for Competitive Examinations started with a vision to enhance the knowledge base of students by developing their analytical skills and ability competitive acumen in order to succeed ...

All India Institute Of Medical Sciences Hospital

Address: Safdarjung Enclave Gautam Nagar, Aurobindo Marg Ansari Nagar, Delhi, Delhi, 110029, India

Phone: 26588500,26588900, 1126588500, 26588500,26588900

Company Description: All-India Institute of Medical Sciences was established as an institution of national importance by an Act of Parliament with the objects to develop patterns of teaching in Undergraduate and ...

Phoenix Institute Of Cpr & Defibrillation

Address: 143 New Friends Colony Gafoor Nagar, Delhi, Delhi, 110025, India

Phone: 46591709, 9582101709, 46591709

Company Description:

Siri Fort Dental Institute

Address: 11 Siri Fort Road Sri Aurobindo Marg-Green Park, Delhi, Delhi, 110016, India

Phone: 26256649, , 26256649

Company Description:

Institute Of Para Medical Technology

Address: Plot Number 154/106, Street Number 5 Pahari, Delhi, Delhi, 110030, India

Phone: 26301771, 9810115973, 26301771

Delhi Study Circle

Address: A-30, 1st Floor Nanda Road Adarsh Nagar, Delhi, Delhi, 110033, India

Phone: 7531801254

Company Description:

5 Specialisations for Seven-Figure Salaries

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:59:00 +0000

We live in an era in which ‘niche’ and ‘specialisation’ are the buzzwords. With a specialisation in a focused area, you gain an edge over others. Here is a list of five such interesting degrees for specialisation that you may consider.

Tourism Management:

A business degree with the focus on tourism offers greater scope than a plain IATA certification. Add to this the ability to offer travel packages like eco-tourism, luxury or budget travel and so on, and the scope widens immensely. Some of the institutes you can consider include Indian Institute of Tourism and Travel Management, Gwalior; Gujarat Institute of Hotel Management, Vadodara; and Department of Business Administration, Mangalore University, Mangalagangotri. For a detailed list, you can consider looking here.

The fee for this course is around Rs 45,000 per annum, and the expected salary is around Rs 40,00,000 per year. You can also consider other hospitality options here.

Healthcare Management:

Recently, there has been a lot of buzz around medical tourism in India. With a management course specialising in healthcare, you will oversee the running of hospitals, strategising and managing relationships (in this case, with medical professionals). Most universities offering this specialisation require a science background. Welingkar Institute, Mumbai; Indian Institute of Learning and Advanced Development, Gurgaon; and Apollo Institute of Hospital Administration, Hyderabad, offer this course.
The fee ranges from Rs 50,000 to Rs 5 lakh depending on the institute you choose. On the other hand, the expected salary in India for healthcare administrators is around Rs 40,00,000 per year.

School Counselling:

With stress levels rising among children, a school counsellor’s job is an important one. Counsellors guide students in K-12 classes through various issues they face through their school years. This is a fast emerging programme, and universities offering this course include Indian Institute of School Psychology, School Counseling and Guidance, Secunderabad, and Shrimati Nathibai Damodar Thackersey Women’s University, Mumbai.
The fee for these courses is around Rs 50,000 and the expected salary of a student counsellor is around Rs 2,17,000 per year.

Sports Management:

The sports industry in India has recently found a new lease of life. So, you can consider taking up sports management after either a Master of Education programme or as a specialisation of MBA. From administrative jobs to marketing and sponsorships, sports management offers a wide variety of jobs for students who enjoy sports. Many institutes offer this course, including Indian Institute of Social Welfare & Business Management, Kolkata; Indira Gandhi Institute of Physical Education and Sports Science, New Delhi; and Amity School of Physical Studies and Sports Sciences, Noida.
The fee for this course varies from around Rs 20,000 to Rs 1,60,000, while the expected salary is around Rs 3,00,000 to Rs 10,00,000.

Innovation and Entrepreneurship:

We have all heard many stories of enterprising individuals and innovators. But did you know that you can actually do a course in innovation and entrepreneurship? Joseph L Rotman School of Management, University of Toronto, Canada, offers a programme in innovation and entrepreneurship, which helps students innovate and create value from new ideas. In India, IIPM in Delhi also offers a similar course. The fee at IIPM is around Rs 3,00,000.
As an entrepreneur you are the business owner and hence, have to manage your own salary.

Top Smartphones to Buy under 10 K

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:57:00 +0000

A couple of years back, a budget smartphone catalogue would only show a limited range of options from a few international players like Samsung and Nokia. Now, with innovations in technology and savvy business ideas, the market has got several new manufacturers like Micromax, Xiaomi and Lenovo. There are a myriad of smartphones under 10,000 INR which makes users feel spoilt for choice. Check out the following list of top 5 budget smartphones.

1. Micromax YU Yureka

Image Source
According to the latest report from a technology research, Micromax has now become the tenth largest phone brand in the world. This Indian brand offers the best low cost Android phones with quality specifications. With amazing models like Micromax Canvas Nitro A311, Canvas Nitro 2 E311 and Yu Yuphoria, it has reached a global market share of 1.8%. Their recent addition to the market, Micromax Yu Yureka, is the smartest and most effiecient budget smartphone in the market.
Specifications:

Operating system - Android, v4.4.4 (KitKat) OS based on CyanogenMod 11
RAM - 2 GB RAM
Screen & display - 5.5 inches, 720 x 1280 pixels, IPS touchscreen with Corning Gorilla Glass 3,
Camera - Rear Camera: 13 MP, Front Camera: 5 MP with LED Flash
Memory - Internal Storage 16 GB, microsd expandable upto 32 GB

USPs:

It is packed with Qualcomm Snapdragon 64-bit Octa Core processor clocking at 1.7GHz that is immensely powerful for running demanding applications and games.
The operating system is supported by CynogenMod 11 which provides you lots of extra features and capabilities.
With a 2500 mAH Li-ion battery this smartphone is really good on the battery backup.

Cost: 8,999 INR
Buy here

2. Xiaomi Redmi Note 4G

Image Source
With the incredible success of its recent fan festival, Xiaomi, a Chinese phone manufacturer, has taken the smartphone industry by a storm. Xiaomi products are amazingly similar to the products from top brands. With excellent specs and a sleek look, Xiaomi Redmi Note 4G has set a bar for other smartphones in this range.
Specifications:

Operating system– 1.6 GHz Snapdragon 400 QuadCore processor
RAM – 2 GB RAM
Screen & Display – 5.5 inch IPS LCD capacitive touchscreen, 720 x 1280 pixels
Camera – 13 MP Secondary camera, 5MP front Camera with Geo-tagging, touch focus, face/smile detection, HDR
Memory – microSD, up to 64 GB

USPs:

The IPS LCD capacitive touchscreen display with HD resolution provides you amazing clarity.
There are strong similarities between Apple’s iOS and Xiaomi’s MIUI which evokes the incredible speed and sleekness of any high-end Samsung smartphone or iPhone.
With 3100 mAh battery, it gives you the best backup and lasts up to 24 hours.

Cost: 7,999 INR
Buy here

3. Motorola Moto G

Image Source
Motorola has made a glorious comeback with Moto G and Moto E smartphones, thus further increasing the competition in this market. With the recent acquisition by Lenovo and a strategy to pair decent specifications with a low price, Motorola has achieved 5.6% of the market share. The second generation Moto G is one of the best budget smartphones that exclusively feature LTE technology.
Specifications:

Operating system – Android v4.4.4 (KitKat), Upgradable to v5.0 (Lollipop)
RAM – 1 GB RAM
Screen & Display – 5 inches, IPS Capacitive TouchScreen, 720 x 1280 pixels
Camera – 8 MP Rear Camera With LED Flash, 2 MP Front Camera
Memory – Internal Storage 16 GB, microSD Expandable upto 32 GB

USPs:

Motorola products like Moto G introduced the LTE version of smartphones which easily resonated with the customers, as it allowed them to access the niche experience of 4G technology at a lower price.
It is powered with 1.7 GHz clockspeed with Qualcomm Snapdragon 400 Quad core processor which offers a great user experience.
The Moto G is a second generation smartphones which is amped up with specifications that are almost similar to the Google’s stock UI. With a few minimal tweaks on the application level, this carrier has made the GUI quite simple and efficient.
This phone comes with a water resistant nano coating and a display of Corning Gorilla Glass 3 which makes it a quality-over-quantity product.

Cost: 9,999 INR
Buy here

4. Microsoft Lumia 638 (4G LTE)

Image Source
For the people who wanted the best and most reliable product within their budget, Nokia has pretty much always been the first choice. With the recent Microsoft and Nokia acquisition, the Windows Phone platform has picked up steam with amazing smartphone alternatives to iPhone and Android gadgets. Microsoft Lumia 638 is one of the least expensive smartphones with LTE technology and other decent features.
Specifications:

Operating system – Windows Phone 8.1
RAM – 1GB
Screen & Display – 4.5-inch FWVGA (480x854 pixels) ClearBlack LCD display with Gorilla Glass 3
Camera – 5-megapixel rear autofocus camera;
Memory – 8GB of built-in storage with expandability via microSD card (up to 128GB)

USPs:

This high end Lumia smartphones has a rock solid metal-polycarbonate body which is quite durable.
Lumia 638 is exclusively known for its amazing battery backup which lasts up to 2 days.
The LTE technology associated with this msartphone will support the bands 3,7,38,39,40 and 41, which makes it a comprehensive package of amazing features.

Cost: 5,499 INR
Buy here

5. Samsung Galaxy Core Prime 4G

Image source
For a long time, the Korean brand Samsung has maintained its prime position in the Smartphone industry all over the world. With 24.6% of the global market share, it leads the stiff competition in this industry by presenting the customers with a wide range of budget smartphones. Samsung Galaxy Core Prime; with its on-going focus on an innovative approach, it is certainly doing it right!
Specifications:

Operating system – 1.2 GHz QuadCore SnapDragon 400 processor
RAM – 1GB RAM
Screen & Display – 4.5 inches TFT capacitive touchscreen, 16M colors
Camera – 5 MP rear and 2 MP front camera with autofocus, LED flash
Memory – microSD, up to 64 GB

USPs:

The Qualcomm Snapdragon 400 processor clocks at a speed of 1.22 GHz which gives you an incredible speed while playing high end games without any lags and interruptions.
The prime attraction of this phone is it amazing camera quality, both front and rear. It can also shoot videos at 30fps along with other standard features found in powerful cameras.
This smartphone efficiently takes care of multitasking with its 1GB RAM and a robust configuration.

Cost: 7,890 INR
Buy here
The smartphone industry is going through an interesting revolution right now. While top brands like Sony are throwing their towels in the mobility division, savvy upstarts like Xiaomi, Micromax and Intex are rising with enormous success worldwide. With their intelligent product strategy, intensive marketing and amazing design aesthetic, these smartphone manufactures are genuinely making interesting budget products which cater to the customer’s preference.

How to Look Beautiful without Makeup

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:53:00 +0000

#beauty tips #Skin Care #feet care #self-grooming #makeup #hair care

Most of us are stuck with not having the time or the inclination to make the effort of applying makeup every day. Yet we all want to look beautiful. It isn’t rocket science. We think you can look beautiful without any makeup. Here are some tips that will help you get there.

Beauty Rituals

Make a list of beauty rituals and stick to them. Have a glass of warm water as soon as you wake up. Apply moisturiser every morning before you step out. After a bath, allow your skin to soak in some of the moisture before applying any cream.
Tip: The most important beauty ritual is taking care of your skin before going to bed. Washing, toning and moisturising your skin every night is a must.

Self-grooming

A well-groomed individual will stand out with makeup or not. Ladies, get waxed, plucked, and pampered in a spa regularly. And men, even if you choose to grow a beard or moustache, maintain it well. Unkempt facial hair may look good on George Clooney, but not everyone else.
Tip: If you sweat a lot, then always keep a deodorant handy.

Bare essentials

Always keep a face wash, moisturiser, lip balm or lip gloss, deodorant and comb handy. You never know what could happen before that all-important meeting. This allows you to become presentable in a jiffy, no matter where you are.
Tip: For women, carrying extra accessories like earrings, a chain or a bracelet as a backup is essential.

Hair Care

Shampoo your hair at least twice a week to keep it clean and bouncy. Also, do not forget to use a conditioner right after. This will calm down the frizz in your hair, especially if you are blessed with dry hair.
Test: Figure out a few simple styles of tying your hair that will work on a bad hair day. Also, figure out some styles that you can pull off inside the restroom of a hotel or your workplace. Knowing your go-to-style will save a lot of time.

Feet

They are the last thing you would think anybody notices, but you would be surprised. Your feet attract a lot of attention, especially when you are wearing open shoes or skirts. Ensure that your toenails are neatly trimmed and the dirt from the corners is removed.
Test: Women can apply a light shade of nail polish.
Dressing well can help you feel confident. And when you feel good about yourself, it shows on your face. So, change your mindset and the rest will fall into place.

Sony Xperia Z5: Everything You Need To Know

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:49:00 +0000

#technology #smartphones #Sony Xperia Z5 #IFA Press conference #Z5 #Xperia Series

At their IFA press conference, Sony confirmed that Xperia Z5 will be arriving on our shelves this October. This has led to a lot of buzz and rumours regarding its specs and features. With a 5-inch display as well as 2GB RAM, Xperia Z5 is certain to be on the list of ‘must buy’ gadgets for phone lovers this year. Let’s shed some light at this amazing new gadget.

Body Design

With latest imaging technologies and an elegant waterproof design, this phone perfectly balances the company’s USP in terms of its unique appearance. The power button now houses a finger print scanner. This has caused the volume rocker to get closer to the shutter button. In Z5, the boring magnetic charger dock pins have now been replaced by a micro - USB port. Additionally, the front side of Xperia Z5 comes with a proximity sensor and a LED notification light.

Display

Image Source: http://globussoft.com
Offering almost similar features as any other Xperia series phone, Z5 maintains to have an undeniable quality of display. The most exclusive parts of its display are the brightness and colour saturation options that provide perfect outdoor visibility. Even at an angle of 30 degrees, it will be possible to see the display of your screen in broad daylight. Moreover, Sony has optimised the touch recognition of the screen to make it possible to recognise your touch even with partially wet fingers.

Camera

Image Source: https://www.dienmayxanh.com
With a 23 MP Exmor sensor and super fast auto focus, this is a massive upgrade to the camera in Xperia Z5. Sony has also enhanced the modules and now utilises a "hybrid image stabiliser". This stabilisation option also works while recording videos and the anti-shake results are pretty impressive as well. Additionally, Sony's unremitting auto-focus permits the camera to focus and refocus on objects in the frame depending on the distance between them and the camera lens.

Battery

Image Source: http://www.phonearena.com
Having amazing battery management, Xperia Z5 claims to have a battery back-up of up to 2 days with just a single charge. It is powered by a 2900 mAh battery and comes with a fast charging facility that makes it possible to enjoy uninterrupted usage.

Specifications

Operating System - 5.1.1 - Lollipop
Processor - : Qualcomm Snapdragon 810 (MSM8994), 3GB RAM
Memory – 32 GB internal memory , expandable storage up to 200 GB
Camera - 23 MP with Hybrid Autofocus(primary camera), 5.1MP (Front camera)
Battery - 2900 mAh battery with fast charging

Although the pricing of the phone is still not revealed, Sony Xperia Z5 is going to be launched globally in October 2015. So, if you are a phone geek, you should definitely save the date as this gadget is truly an all rounder.

5 Life and Success Lessons We Learnt From Dr APJ Abdul Kalam

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:45:00 +0000

Remembering Dr APJ Abdul Kalam on his 84th birth anniversary, let's look back at the life lessons we've learnt from him.

The guiding light

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Among the many names in India who have inspired us, former President late Dr APJ Abdul Kalam is one of the top names. For the teacher that he was, Dr Kalam was a true motivator for the youth. He not just taught us great things about education, but also a lot about life and success. Let's take a look at 5 lessons about life and success that we learnt from Dr Kalam.

1) That Failure Brings Success

Image Source: http://s3.scoopwhoop.com
Dr Kalam once said that it's reading failure stories that can help us with ideas to success. "Don't read success stories, you will get only message. Read failure stories, you will get some ideas to get success," is what the great man said.

2) That Devotion brings success

Image Source: http://digitallearning.eletsonline.com
When someone as successful as Dr Kalam talks about success, it's experience that talks and hence, we must believe and follow those words. "To succeed in your mission, you must have a single-minded devotion to your goal," is what we learnt from Dr Kalam.

3) The Connection between Life and Time

Image Source: http://im.rediff.com
Yes, there's a strong connection between life and time and Dr Kalam taught this to us through his quote that, "Life and Time are the world's best teachers. Life teached us to make good use of time and time teaches us the value of life."

4) That Lighter Moments are important in life

Image Source: http://ucost.in
If you are one of the topper students in your class, you often kepp yourself away from having fun. But that fun is what's going to make you smile in the future. As Dr Kalam put it. "Sometimes it's better to buk a class and enjoy with friends, because today when I look back, marks never make me laugh, but memories do."

5) Never Give Up

There isn't one, but many of Dr Kalam's quotes that motivate us to never give up. One of these is, "If you fail, never give up because FAIL means First Attempt In Learning.End is not the end, in fact END means Effort Never Dies. If you get No as an answer, remember that NO means Next Opportunity."
Dr Kalam is no more with us, but I'm sure wherever he is, he continues to motivate, to teach people in that world. Take a bow Dr Kalam!

When can a Personal Loan provide you tax benefits?

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:43:00 +0000

Personal loans are unsecured loans, ideal for situations when you need funds but don’t have a property or security to pledge for the amount. Generally, there are no taxes on personal loans. As you are not providing an asset as security, personal loan interest rates might be higher than the interest charged for secured loans. However, it is easy to apply and get approved for personal loans if you are salaried. Self-employed individuals can also avail of personal loans if they can provide proof of income from their business. If you’d need funds for a trip or business expansion, take a look at the Personal Loan with online account access being offered by Bajaj Finserv.
Generally, personal loans are not considered a part of your income, so the loan will not be considered a taxable fund when you are filing IT returns. This means that you won’t be paying taxes on personal loans. However, the loan has to be from a valid source like a bank or other financial institution as loans from unknown sources may be considered as income while computing your taxes.
You can actually claim tax benefits on personal loans in some cases. Regardless of the loan’s source, if you can prove that you have used the loan for a valid expense, you can actually use your personal loan for tax saving and claim tax deductions on the interest paid on the loan.
Financiers like Bajaj Finserv offer Personal Loans that are quick and easy to apply for and have an instant approval policy.
Your House and Your Personal Loan
Employing the personal loan for your house can do wonders if you are aiming to avail of tax deductions. Section 24(b) of the Income Tax Act provides relief to home buyers, giving them tax deductions on loans taken to buy a residential property or to renovate it. If you use the personal loan towards the down payment for the purchase of a house, then you can claim tax exemption. If you use the loan amount to pay for home repairs, renovation, or for reconstruction, all these are also considered valid expenses for tax deduction.
You cannot claim deduction on the principal amount of the loan, but the interest paid on the loan can be utilized for tax deduction. If you are living in the house on which you spend the money taken as loan, you can claim tax deduction for interest amount up to INR 1,50,000. For a house that has been rented, there is no limit on the interest amount that can be claimed. (Also read: 4 Solid reasons to stop paying rent)
If you have purchased a house that is under construction, you cannot claim the deduction until after the construction is completed. Also, the house should be ready to occupy within three years of taking the loan.
Preserve all the documents needed to provide proof that you have used the loan amount on a house. If you have used the amount to carry out repairs or renovations, preserve the bills for materials and labour. These are needed to claim your tax deductions.
Personal loans are great options to handle urgent requirements for funds. They can also be used as tax saving instruments, if used properly. Understand how you can get a personal loan for home improvement, while claiming tax benefits. Bajaj Finserv offers a great Personal Loan with features like part prepayment, instant online approval and nil foreclosure charges. Apply online for a personal Loan now.

<< Click here for a 5-minute online Personal Loan approval >>

The simple trick that will help you save 89% on the latest gadgets

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:42:00 +0000

Indian nationals save thousands using this trick

A brand new, simple trick has led to thousands of people in India buying the latest gadgets at a fraction of the retail price. Thanks to this new site, having the latest phones and tablets is now a reality without having to spend an arm and a leg.
MadBid are buying a big bulk of the India warehouse closeout and liquidation stock at rock bottom prices and pass on the huge discounts to their customers. This means they can afford to sell brand new iPhone’s for as little as $40 and still make a profit!

Neeraj Mitra paid $27.54 for his brand new iPad

Neeraj Mitra, 29 from Mumbai started using MadBid 2 weeks ago. “I’ve always been into gadgets whether it’s new TVs or the latest mobile phones. Until recently I have never been able to afford them. I am generally quite sceptical about these online tricks but sign up was free and took less than a minute so I thought I’d give it a go. Since then I’ve recommended all of my mates. I was positively surprised that all products are brand new, boxed and come with manufacturer warranty.”

How quickly do MadBid get new released models?

Because of the way MadBid source their products (mainly liquidation auctions) and the high discounts they want to pass back to their customers, it takes a few weeks for them to get the latest products after the release dates but the prices definitely make up for it. A source working in one of the largest high street retail shops told Daily Times “The new craze is to shop online now. Our shops are getting emptier by the day and competition has turned into a war zone. Savvier shoppers have started using services like MadBid.com and we simply can’t compete with their prices.”
MadBid has become such a threat to mainstream retailers, they are trying to shut the site down. Another source from the same company reported “MadBid.com is a disaster for high street shops and even the major online outlets. The more people who find out about the site the more money retailers will lose. My managers are very worried about this site.”

Madbid is an innovative, bid shopping website that provides you that rush, with or without the purchase. Snagging a bargain comes down to two options, luck or choice, and both can save you a fortune if you get in there at the right time.

MadBid shoppers

Daily Times have tracked down hundreds of MadBid shoppers who all said they would never return to the conventional shopping methods. We spoke to one of their users who bought brand new Mini One car worth over $12,000 for just $6.83 in a MadBid auction! Sandeep Anantharaman said “I just couldn’t believe it, my £6 Mini was a dream come true.”

You can try MadBid right now!

Joining MadBid is really quick and easy and totally free. Simply click the link here and enter your details and confirm your account and you’re in.

Insurance

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:37:00 +0000

Steer Clear of Over-Priced Gap Insurance Providers

Major insurers will generally give you a better deal on gap insurance than a car dealership. But watch for gaps in gap coverage.

Enter Any Name And Brace Yourself

A new site makes learning the Truth as easy as typing in a Name and selecting a State. Do you know what can be found online about you with just a Name and State?

Insurance

Do Drivers Really Need Gap Insurance?

Gap insurance is worth it for drivers who are significantly upside-down on their car loan. That includes lessees and buyers with a small

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7 Factors That Affect Your Life Insurance Quote

While age and gender have the most impact on your life insurance premiums, even your family medical history and hobbies can affect how much you pay.

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What You Need To Know About COBRA Health Insurance

We go through everything you need to know about COBRA so that you can decide if it's right for you.

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Brokers: Do You Want To Sell Stocks Or Insurance?

Know the difference between working as a broker or a

Bonds & Fixed Income

Cash Vs. Bonds: What to Pick in Times of Uncertainty

Learn about the benefits and drawbacks of holding cash versus investing in bonds to ensure you make the right decision about how to best safeguard your money.

Economics

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China's one-child policy is changing, and investors are looking for ways to cash in. The reform might not have the effects that many anticipate, however.

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These ETFs Are the Most Popular with Advisors

These ETFs are popular among financial advisors. Here's why.

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3 Types of Stock All Investors Want to Know About

These 3 types of stock are the ones financial advisory clients want to know about the most. It'll pay to be ready

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 18:26:00 +0000

Top 10 Insurance Companies By The Metric

There are a number of ways to rank the size of insurance companies. Companies can be measured by their market capitalization (the value of the company on a stock exchange) or by using sales figures such as net premiums written in a year or how many policies were sold. (For more, see: Which insurance policies do I really need?)

Market CapitalizationInvestors can buy shares of publicly traded companies in the insurance industry. The largest insurance companies as of Q1 2014 by market capitalization on the world stock exchanges are:
Non-health Insurance Companies:

Company Name	Market Capitalization
Berkshire Hathaway (BRK.A)	$308 billion
China Life Insurance (LFC)	$80 billion
Allianz (AZSEY)	$76.8 billion
American International Group (AIG)	$72.3 billion
Ping An of China (PNGAY)	$65.6 billion
MetLife (MET)	$59.4 billion
AXA (AXA)	$57.8 billion
AIA Group Hong Kong (AAIGF)	$54.4 billion
ING Groep (ING)	$54.4 billion
Zurich Insurance (ZURVY)	$45.4 Billion

Largest Insurance Companies by Sales and Product Line
It is useful to differentiate between the type of insurance, or line, that is being considered when considering the largest insurance companies. Using sales data is helpful as some of the largest insurance companies in the United States are not publicly traded and therefore their market value is not easily ascertained.
Property & Casualty
Property casualty insurers write policies covering property such as real estate, dwellings, cars and other vehicles. They also write policies dealing with liabilities that may be incurred by accident or negligence related to those properties to defray the cost of lawsuits or medical damages resulting from such incidents.
The top U.S. property casualty companies in 2013 by net premiums written (the amount of money that non-life policies can expect to receive over the life of the contract, less commissions and costs) are:

Company	Net Premiums Written
State Farm Group	$50.8 billion
Allstate Insurance Group (ALL)	$24.8 billion
Liberty Mutual	$21.5 billion
Berkshire Hathaway (includes GEICO)	$21.4 billion
Travelers Group (TRV)	$20.6 billion
American International Group (AIG)	$19.7 billion
Nationwide Group	$14.5 billion
Progressive Insurance Group (PGR)	$14.5 billion
Farmers Insurance Group	$14.1 billion
USAA Group	$10.7 billion

Life Insurance Companies
Life Insurance companies promise to pay out a lump sum benefit upon the death of the insured. Although actuarial science has created mortality tables to accurately estimate the future liability of policies to be paid, having financial strength ensures that these companies can meet all of their obligations while still earning a profit.
Life Insurance companies in the U.S. can be ranked by direct premium written (the amount of new policies written directly and not re-insured). For 2013:

Company	Total Direct Premium	Market Share
MetLife (MET)	$11.5 billion	7.98%
Northwestern Mutual	$9.4 billion	6.55%
Prudential of America (PRU)	$8.4 billion	5.79%
New York Life	$7.8 billion	5.42%
Lincoln National	$6.1 billion	4.27%
MassMutual	$5.1 billion	3.52%
John Hancock	$4.8 billion	3.37%
Aegon (AEG)	$4.1 billion	2.82%
State Farm	$4.0 billion	2.79%
Guardian Life Insurance Co.	$3.4 billion	2.34%

(Source: NAIC)

Health Insurance Companies
Health insurance companies provide policies to cover all or part of policyholder's health and medical costs. Policies may be purchased individually or through an employer. Technically, the United States government is the largest health insurance provider in America through the Medicare program, Social Security and with Medicaid administered by individual states. (For more, see: 5 Things You Need To Know About Obamacare.)
The largest non-government sponsored U.S. health insurance companies measured by total direct premium collected in 2007 was:

Company	Total Direct Premium	Market Share
United Healthcare (UNH)	$66.8 billion	11.70%
Wellpoint Group (WLP)	$55.7 billion	9.75%
Kaiser Permanente	$43.7 billion	7.66%
Humana (HUM)	$21.7 billion	3.81%
Aetna (AET)	$21.7 billion	3.81%
Health Care Service Corp	$14.9 billion	2.60%
American Family	$11.6 billion	2.04%
Highmark	$11.4 billion	2.01%
Blue Cross/Blue Shield	$9.8 billion	1.72%
Cigna (CI)	$9.6 billion	1.69%

(Source: NAIC. Caveat emptor: The sales data on health insurance companies is from 2007, the last year of available data. The Affordable Care Act (aka 'Obamacare') may have altered these standings.)

The Bottom Line
Ranking the largest insurance companies can be done in a number of ways. Shares of publicly traded companies can be bought to help build a well-diversified investment portfolio that has exposure to the financial and healthcare sectors. Identifying which types of insurance a company primarily deals with helps determine which firms are competitors and which really are not. Looking at sales figures, or premiums collected in a year, one can also see how public companies stack up against privately held or mutual companies which make up a large segment of the industry.

Get Out of Debt – Start Making Money
Want to get out of debt, get a mortgage and save for retirement? Investopedia’s FREE Personal Finance newsletter shows you 7 Steps to Become Financially Independent. Take control of your money and Click here to start managing your finances like the pros.

Beware!!! The 5 Worst Cell Phones For Exposing People To Radiation Are???

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:52:00 +0000

SHARE ON TWITTER

Top 5 Phones With The Highest Radiation

According to new research from the Weizmann Institute of Science in Israel, certain cellphones may be exposing us to harmful levels of electromagnetic radiation.

Published in the Biochemical Journal, the study found that a single us of a specific cellphones for just 15 minutes can trigger brain cell changes associated with cancerous cell division.

Dr. John Bucher, Associate Director of the National Institutes of Health, National Toxicology Program, stated:

“As of now, with only 10-12 years exposure, and use increasing dramatically, there is a concern of increase in brain cancer, related to use.”

He also went on to add that children skull’s allow deeper penetration of radiation and could pose a greater risk. Below are the top 5 phones with the highest radiation.

IMEI Awareness! Check your Smartphone's Originality

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:43:00 +0000

Its not easy for one to caught whether a phone he/she buying is original or not. May be its stolen if you're buying a second hand phone or may be its Korean. Many of my friends ask me about this and i used to help them. So in this article i want to help my blog readers so that they see no difficulty in buying any phone whether new or second hand. I will try to cover all of the brand phones. Do read this and spread this awareness.

As you know, Mobile Market is now filled with fake phones and many people selling phones as Original even with Branded tags. Besides this factor, there are replicas available in the market like Korean phones that looks similar to the original phone and there is quite hard for one to spot at the moment whether phone is original or a copy. So following are the ways to check your phone.

IMEI:-

IMEI stands for International Mobile Equipment Identity. It is a 15 digits number and found on the box of your mobile phone. You can also find in by removing back cover and bettery, other way of finding IMEI is dial *#06# and your IMEI will pop up. You can also find your IMEI by going in settings->about phone->status.

Nexus 5 Users:-

If you're planning to buy Nexus 5 then before you buy, please check its imei and originality. After copying IMEI, go to link http://csmg.lgmobile.com:9002/csmg/b2c/client/auth_model_check2.jsp?esn=123456789123456 and replace your imei number at the end of the link in place of counting. After hitting enter, you will see Nexus 5 information. If this information matches its phone box then your mobile is original else not.

Samsung Galaxy Users:-

If you have Galaxy phone in your hand and you want to check its originality, dial *#0*# and you will be displayed with a menu which is called as General Test Mode. There, you can test your device's LCD, color test, touch test, sensors test, vibration test, camera test, sound test etc. If your device pass all of these tests then its a Samsung device. You can also dial *#7353# which will take you to Quick Test Menu.

You can further check Samsung's Secret Codes and their working HERE & HERE.

Spot Galaxy by Physical Looks

1) Screen is made of cheap glass material.

2) Screen is too far from the edge.

3) Screen is not as bright and vibrant as the original device.

4) Some of the sensors are not available.

5) Home button is not of the exact same size as that of genuine.

6) Samsung logo is not smoothed out and can be removed by rubbing.

7) Device's proportions is different than that of genuine product.

8) Gaps between parts like home, power and volume buttons are obvious.

9) Battery specifications are not the same.

Sony Users:-

If you want to test Genuine Product Verification for Sony then it's pretty easy. Go to Sony's official site for Product Verification HERE and enter your imei number to check your device's originality.

HTC Users:-

HTC users please proceed to this LINK to check your devices.

Best Way to Know Your Phone Better:-

Look at the 7th and 8th digit of your IMEI. These two digits will ensure your phone's quality.

If 7th and 8th digits are 01 or 10, this indicates your cell phone is manufactured in Finland which is high quality.
If 7th and 8th digits are 13, this indicates your cell phone is assembled in Azerbaijan which is too bad and also dangerous for health.
If 7th and 8th digits are 02 or 20, this indicates your cell phone is assembled in Emirates which is very poor quality.
If 7th and 8th digits are 03/30 or 04/40, this indicates your cell phone is made in China but its quality is good but not good as 00,01 or 10.
If 7th and 8th digits are 05 or 50 this indicates your cell phone is manufactured either in Brazil or Finland or USA.
If 7th and 8th digits are 06 or 60 this indicates your cell phone is manufactured either in Hong Kong or China or Mexico.
If 7th and 8th digits are 08 or 80 this indicates your cell phone is manufactured in Germany which is fair quality.

Further, visit imei.info to get details about your mobile model by entering your imei number.

Share this awareness and help others!

Thanks :)

Male Masturbation Side Effects – Myths and Truths about Getting Off

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:30:00 +0000

Masturbation has many benefits. It can help reduce anxiety and stress, ease the pain of a headache, and it’s great for prostate health. Men who have trouble falling asleep often find that masturbating can help them to drop off faster. Although frequent dry rubbing can be tough on the penis skin, treating the shaft and head with penis-specific vitamins and minerals can help to alleviate the effects of friction.

However, because of the multitude of warnings – whether accurate or not – about the potentially dangerous effects of masturbating, it is not uncommon for men to feel guilty about self-pleasuring or worry that it may cause irreversible harm. Most guys have been warned at one time or another about the following masturbation side effects – and it is safe to say that the vast majority of males have spent some time after the fact wondering if they were really true. But for any man who has wondered if his blurred vision is the result of too many adult movies, it’s time to learn the truth.
Common Beliefs about Masturbation – True or False?
• Hairy palms – Many a parent has tried to frighten their little boys away from experimenting down there with the notion that it causes hair to grow on the palms of the hands. This myth – that’s all it is – has been handed down for generations to scare kids away from touching themselves, which was believed to be a mortal sin by some religious groups.
• Hair loss – This notion may be a bit more believable than the idea of growing hair on the palms of the hands, and it may have a (very shaky) basis in fact. While it is true that frequent masturbation can raise levels of the hormone testosterone, and high levels of testosterone are believed to affect male pattern baldness, there is no proven link between jacking off and a receding hairline. In fact, if this were the case, almost all men would be bald, so it is probably not worth a great deal of concern.
• Blindness – This is another fiction handed down by tradition; there is simply no evidence that masturbating can cause a man to go blind.
• Decreased testosterone – In this case, while it may seem logical, the opposite is actually true. As mentioned above, masturbation can actually increase the amount of testosterone in the blood. On the other hand, frequent masturbation may result in a decreased sperm count, which can be easily resolved by abstaining for a few days.
• Acne – A connection between acne and masturbation seems quite logical; teenage boys who experience acne frequently see their first breakouts at about the same time they begin experimenting with self-stimulation. However, this connection is mainly a coincidence; there is no physiological link between breakouts and ejaculation.
• Penis sensation loss – Out of all of the common beliefs about masturbation, this can actually become a problem. Frequent masturbation can actually cause minor damage to the skin of the penis and is vaguely similar to the calluses that may develop on the hands and feet. In addition, it can lead to a deadening effect on the nerves that lie beneath the outer dermal tissue. However, this issue can be easily avoided by treating the penis skin with rejuvenating vitamins, minerals and moisturizers that speed healing and provide nerve tissue support.
The benefits of nutrient treatments on penis health
For men who want to make the most of penis sensation and the increase pleasures of masturbation and sex, a specially designed penis health formula (most health professionals recommend Man1 Man Oil) containing vitamins, antioxidants and all-natural moisturizers may assist in improving the health of the penis skin. By maintaining the skin’s suppleness and natural smoothness and providing nutrients that are known to have a positive effect on nerve health, men of all ages can heighten the experience of masturbation and reduce the damaging effects of friction.

Penis Disorders Symptoms

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:26:00 +0000

Introduction

Symptoms

Diagnosis

Treatment

The symptoms of a penile disorder are often easy to spot, because they frequently cause immediate discomfort or noticeable effects. Minor abnormalities of the penis during erection are common. However, anytime the following symptoms interfere with sexual activity or urination, they should be evaluated by a urologist. These signs and symptoms could indicate other, more serious problems with the penis:

General pain or painful erections
A persistent erection that lasts from several hours to a few days
Pain during sex
A bent or curved erect penis
A lump on the upper or lower side of the penis
Inflammation of the skin on the penis head
Inflammation of the mucosa on the foreskin
Foul smell from the penis
Swollen glans or foreskin
Pain during foreskin retraction
Abnormal discharge
Bleeding
Growths or sores on the penis
The inability to get an erection

It's important to remember that problems with the penis can not only cause pain, but they can affect a man's sexual function and fertility. That's why it's important to seek medical help early, so that you and your doctor can diagnose and treat potential problems before they happen. if you don't see your doctor, these problems will go untreated. Keep reading about how to diagnose a penis disorder to learn more.

Talking about the penis and men's sexual health in general can seem overwhelming at times. But don't feel embarrassed about seeking help. Penis disorders are medical problems, and your doctor sees and treats medical problems every day. Here are a few tips to get started on your way to diagnosis:
1. If you don't feel comfortable talking with your doctor about penis conditions, ask for a referral to a urologist-a doctor who specializes in sexual and urologic problems.
2. Ask your partner to join you at your doctor's appointment. Many doctors say that penis disorders are easier to treat when both partners are involved.
3. Remind yourself of why you need to seek help: your health and your quality of life are at stake.
The range of possible diagnoses for penis disorders includes relatively harmless causes like yeast infection, to more serious issues such as penile cancer. Possible causes for penis disorders include:

Balanitis - inflammation of the glans
Balanoposthitis - inflammation of the foreskin
Erectile dysfunction
Penile cancer
Peyronie's disease - the penis bends during an erection
Priapism - a painful erection that does not go away

To identify possible causes for the symptoms you are experiencing, your doctor will first request your medical history and then complete a physical exam. As part of the exam, the doctor will examine your penis, testicles, scrotum and groin, take your blood pressure, and check your reflexes. A blood sample may be taken to test for diabetes, cholesterol level, and other conditions associated with penile disorders.
It's helpful to bring a list of all the medications you take to keep your doctor informed. Also, be sure to know when the symptoms first appeared and how long you've experienced them. Tell your doctor about any surgery you've had and outline your alcohol use, smoking, and exercise frequency. You doctor or urologist might ask:

What are your sexual habits?
Is there drainage from the penis?
Do you experience painful urination?
Do you experience painful sexual intercourse?

Regardless of the cause of any abnormality, treatment is available. Discuss your concerns with your doctor or urologist. And keep reading to learn about how to treat penis disorders.

Penis disorders treatment
Treatment for any type of penile disorder depends upon the underlying cause. Pain can be treated once its cause has been identified. This is why it's so important to see a doctor or urologist for a correct diagnosis. We'll discuss some of the major causes and treatments of penile disorders. This is by no means and exhaustive list and the information we present is not meant to take the place of professional medical consultation. Please consult a certified medical doctor for a proper medical evaluation for any disorders of the penis.
Erectile dysfunction - Your doctor can offer several new treatments for erectile dysfunction. For many men, the answer is as simple as taking a pill. Getting more exercise, losing weight or stopping smoking may also help. Other possible treatments for ED include counselling, a penile implant, injections or a vacuum device.
Infections and skin reactions - Antibiotics, antiviral medications, or other antimicrobials may be prescribed for infections. In rare cases circumcision is advised for chronic infection under the foreskin. Proper cleaning of the penis can help prevent future bouts of infection. Please be advised to avoid strong soaps or chemicals, especially those known to cause a skin reaction.
Penile cancer - The most common treatment for penile cancer is surgery to remove cancerous cells. Radiation and chemotherapy are other treatment options.
Peyronie's Disease - The hard lump that is at the center of Peyronie's disease often shrinks or disappears on its own without treatment. Most doctors suggest waiting one to two years or longer before attempting to correct it with surgery, which is another treatment option.
Priapism - To treat priapism, a urinary catheter may be inserted to relieve immediate urine retention. The goal of treatment is to relieve the erection and preserve penile function. Medications or surgical procedures will be discussed with you if they are necessary. It is important that you treat any underlying medical condition or substance abuse problem in order to prevent priapism in the future.
Your doctor can offer a number of treatments for penile disorders, based on the cause of your symptoms. Be sure to visit your doctor or urologist early in order to prevent problems later.

3 Subtle Signs You’re Having a Heart Attack

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:22:00 +0000

By now, you’ve seen enough heart attack scenes that you could spot one from a mile away: There’s the gasping for air, the clasping of hands over the chest, and pain so severe the victim collapses to the floor.
It’s time to change that picture: This Hollywood-style heart attack isn’t so classic at all. In a study of nearly 900 heart attack patients, 65 percent experienced a slow onset of symptoms, according to researchers at Trinity College in Ireland. These included chest and left arm discomfort, shortness of breath, and fatigue. Only 35 percent suffered movie-worthy signs.

Problem is, the subtler signals of ticker trouble may postpone treatment, since it takes longer to realize what’s happening. In the study, patients who experienced slow-onset symptoms received medical treatment within 3.5 hours compared to 2 hours, on average, for those who exhibited more dramatic signals.
“When you suffer a heart attack, it’s most likely due to the abrupt closure of an artery and the heart muscle dies over the next 3 to 6 hours unless the artery is opened by an angioplasty or clot-busting medication,” says Men’s Health cardiology advisor Prediman K. Shah, M.D. “We have a saying that time is muscle and even a 90-minute delay could be disastrous.”

If you think your ticker is in danger, your first call should be to 911. But to help save your heart, pop an uncoated (321 milligrams) aspirin. “Chewing gets the aspirin to work faster than swallowing,” Dr. Shah says. “The medicine reduces the amount of blood clot forming in the heart artery.” (For many more ticker-protecting tips, check out 100 Ways to Save Your Heart!)

And avoid disaster by watching out for these heart attack cues that could fly under the radar:

You clam up. Your body perceives a heart attack as an acute stressor, which stimulates the fight-or-flight response and causes you to break out into a cold sweat. It can be difficult to distinguish heart attack clamming from the pre-presentation sweats, but if you have no reason to be sweating up a storm, it could be a red flag

You feel nauseous. Due to a parasympathetic nervous system in overdrive, nausea and vomiting can come on suddenly if a heart attack is imminent. The key here is that the signs come on suddenly—seemingly out of nowhere.

You have heartburn. During a heart attack, reduced blood flow to your arteries can simulate heartburn-like symptoms such as burning in the chest or throat and difficulty swallowing. It may look a lot like classic heartburn, but if it happens for the first time and you have risk factors for heart disease as well as nausea, weakness, or sweating, you could be having a heart attack.
Heart disease kills more Americans than cancer or obesity, so it's time to separate fact from fiction. Here are the 5 Heart-Health Myths You Need to Stop Believing—Today!

The Vitamin You Need So Your Penis Can Perform

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:18:00 +0000

Lacking enough of the sunshine vitamin might snuff out the lights on your bedroom game. New research from Italy suggests that low levels of vitamin D may increase your risk of erectile dysfunction.
When researchers tested 143 men with varying degrees of erectile dysfunction, they found that nearly half of them were coming up deficient in D, and only one in five had optimal levels of the nutrient. What’s more, men with severe cases of ED had vitamin D levels that were about 24 percent lower than those of men with mild forms of the condition.

Insufficient levels of D may spur the production of free radicals called superoxide ions, according to study author Alessandra Barassi, M.D., and her research team. These free radicals deplete your nitric oxide, a molecule that helps your blood vessels function properly. The result: It makes it hard to, well, get hard.
“Nitric oxide causes the blood vessels to relax, which increases the blood flow and causes an erection under normal circumstances,” says Larry Lipshultz, M.D., a Men’s Health urology advisor. Without the necessary amounts of nitric acid, though, your blood vessels may not relax enough to allow for an erection.
If you suffer from ED, ask your doctor to check your vitamin D levels. For ED patients with low levels, the study recommends taking supplements to get back to the optimal level of 30 ng/mL or above.
As for men with normal erectile functioning, Dr. Barassi says she’s currently studying whether vitamin D supplementation may act as a preventive measure to delay ED.

8 Ways to Protect Your Erection

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:13:00 +0000

For as much pride as you take in your penis, you sure go to great For as much pride as you take in your penis, you sure go to great lengths to screw it up.
“A lot of guys know their lifestyle is harming their health, but it isn’t until it begins to affect their sex life that they start to listen,” says Charles Walker, M.D., assistant professor of urology and cofounder of the Cardiovascular and Sexual Health clinic at Yale University. Low testosterone, a shoddy sex drive, and trouble getting the plane off the ground are all caused by high-risk behaviors that at some point become irreversible and turn into full-blown erectile dysfunction (ED), Dr. Walker says.

1. Clean your medicine cabinet.
Certain antidepressants, some blood pressure medications, and even the popular hair-growth drug Propecia all list erection problems as potential side effects. But the most surprising culprit may be your allergy or cold medicine. “The mechanism behind an erection is the exact opposite of having an adrenaline rush, and Sudafed acts very similar to epinephrine—the adrenaline hormone—killing any ability to get aroused,” says Harry Fisch, M.D., clinical professor of urology and reproductive medicine at Weill Cornell Medical College/New York Presbyterian Hospital, and author of Size Matters. Read labels for any side effects, and stick to Sudafed-free prescriptions.

2. Leave your work at the office.
“Work-related stress is a huge issue for sexual function,” says Dr. Walker. “I see a lot of guys in their 40s and 50s who are highly successful but in high-stress jobs, and a lot of them have ED.” How come? Men with demanding jobs have a hard time leaving work at the office, which means their anxiety is in high gear for most of the day—keeping them from ever reaching full-throttle in the bedroom.
Plus, when you’re a workaholic, sleep and exercise—two big contributors to ED—tend to take a backseat. Knowing when to turn it off can help you get it up, Dr. Walker reassures. “Don’t work when you get home, don’t work on vacation, and incorporate more stress-relieving activities like exercise,” he advises.
3. Hit the sack at a reasonable hour.
Scoring more sleep is always important, but even a few late nights can stifle your stiffy: Researchers from the University of Chicago found that sleeping 5 hours or less tanked testosterone levels of young, healthy guys by 10 percent after only a few days. “Sleep affects free testosterone, the part that isn’t bound by proteins and is free to do what your body needs it to do, including support your libido and sexual function,” Dr. Walker explains.
Plus, the balance of brain hormones that have an effect on your erection—like dopamine and serotonin—are regulated by sleep. Solid shuteye is most important in younger guys, for whom low T plays a larger part in their ability to get it up, Dr. Walker adds. Aim for at least 6 hours a night, but 7 or 8 is ideal.
4. Brush up.
A 2012 Turkish study found that men with ED are three times more likely to have gum disease than guys without penis problems. And the odds go up the worse your impotence: The British Dental Health Foundation reports that 4 out of 5 men with severe erectile dysfunction also had gum disease. What does your mouth have to do with it? As your teeth decay, your immune system attacks pathogens in your mouth. The bacteria then seep into your bloodstream, damaging blood vessels and blood flow, the researchers explain. Luckily, regular flossing and brushing (twice a day!) can help more than just your gums.
RELATED VIDEO:

5. Keep the booze under control.
Knocking back a few beers may calm your nerves enough to talk to the cute girl at the bar, but it might ruin the ending you had planned: A University of Washington study found that drunk dudes put more effort into getting it up and still saw softer results than sober seducers. Even if you don’t have problems performing now, heavy drinking can impair your sexual performance down the road, according to a 2013 study in the Journal of Sexual Medicine, which found reformed alcoholics were more likely to have ED than their clean counterparts. Plus, alcohol is a depressant, so you’re not only less likely to get aroused, but also more exhausted—probably too tired to put in the effort, says Fisch. Fortunately, you just need to dial back on your nightly intake: Most performance problems are linked with heavy alcohol use, so cut yourself off after two drinks.
6. Fire your mistress.
You know that crushing guilt you feel when you’ve been unfaithful? Eventually, the guilt will turn to anxiety, and anxiety produces chemical changes in the brain that attack your ability to have an erection, says Dr. Walker. High levels of anxiety turn your sympathetic nervous system on overdrive, putting you in a prolonged state of fight or flight, meaning it’s hard to even calm down enough to get aroused. Anxiety also halts the release of the neurotransmitters in charge of stimulating an erection, he says.

7. Stop cradling your laptop.

Laptops generate a tremendous amount of heat, and anything that warms the testicles too much can decrease your sperm count and testosterone levels, says Dr. Fisch. The cells in the testicles that produce your swimmers and hormones are heat-sensitive, which is why the scrotum is outside the body to start with. (Your balls function a few degrees below body temperature). Perching your PC over your junk can possibly affect T production, messing with your ability to get an erection, Dr. Fisch says.
8. Kick your nicotine addiction.
“Everyone knows smoking is bad for your health, but most people don’t realize there is a direct relationship between cigarette smoking and ED,” says Dr. Walker. Doing it can damage the lining of your blood vessels, which affects the smooth muscle in your penis and inhibits blood from flowing in, he explains. How important is it to kick the habit? Men who gave up cigarettes for 8 weeks had thicker, more rigid erections and reached max arousal five times faster than their smoking friends who relapsed, according to a 2011 study in the British Journal of Urology International. These improvements were not seen, however, until after the men had ditched the nicotine patches, suggesting it’s not just smoking that can hurt your rock, but nicotine itself.

Tags: erection penis sexual health erectile dysfunction

Checking the Male

noreply@blogger.com (Anonymous) — Sun, 01 Nov 2015 10:04:00 +0000

1. What's the average speed of male ejaculation?

A. 12 mph

B. 28 mph
C. 63 mph
D. Mach 2

Answer: B. However, once sperm enter the vagina, they slow down like four lanes merging into one: It takes 5 minutes for them to travel the 6 inches to the cervix and can take up to 72 hours to reach an egg, says Mark Elliot, director of the Institute for Psychological and Sexual Health in Columbus, Ohio.

2. What's the average length of an erect penis?

A. 6.21 inches
B. 5.95 inches
C. 8.01 inches
D. 12.2 inches

Answer: A. Ninety percent of men measure between 5 and 7 inches when erect, while the mean size of a flaccid penis is 3.89 inches. If you insist on measuring yourself: Press the ruler--er, yardstick--against your pubic bone, just above your penis.

3. The slippery stuff you secrete post-foreplay, pre-ejaculation: What is it?

A. Semen that's been hanging around in your urethra since the last time you ejaculated
B. Semen that came a little early to the orgasm party
C. Your body's own personal lubrication system kicking into gear
D. Fluid sent to clear a safe path for the forthcoming semen

Answer: C and D. A small gland at the base of the penis produces preseminal fluid, which is secreted before ejaculation. This fluid not only helps the recreation and/or procreation that follows to go more smoothly, but also neutralizes any acidic urine hanging around in the urethra, where it could damage sperm. "Sperm don't do well in acidic fluid," says Jay Sandlow, M.D., director of andrology and male infertility at the Medical College of Wisconsin. The fluid can have some stray semen in it, and those guys are tenacious swimmers. So it's unwise to base your birth-control strategy on either pulling out or praying.

4. How long after sex can the "morning- after pill" prevent pregnancy?

A. Within 3 hours
B. Within 24 hours
C. Within 72 hours
D. Within 120 hours

Answer: D. While it's best to take the pills right after any excesses of passion, new studies indicate you have a few more days to get your gal pal to take the medication, according to Vanessa Cullins, M.D., vice president for medical affairs at Planned Parenthood Federation of America. Emergency contraceptives flood a woman's body with hormones to ensure that a pregnancy never occurs--either by blocking the sperm, flushing the uterus, or delaying or preventing ovulation, depending on where the woman is in her cycle.

5. How much ejaculate will a man produce in his lifetime?

A. 2 quarts
B. 8 pints
C. 14 gallons
D. 18 gallons
E. This is entirely too gross to contemplate

Answer: C. 14 gallons--enough to fill the gas tank of a 1993 Plymouth Duster or a Shop-Vac Ultra Pump Wet/Dry Vac.

6. Match the life span of a sperm to its location:

A. Inside a man's body
B. In a petri dish at the fertility clinic
C. On your hand, her underwear, the sheet
D. Inside a woman's body

Answer: A. 3., B. 2., C. 4., D. 1. Though you create thousands of new sperm a day, the entire sperm-making process takes close to 3 months. "Sperm start out as immature germ cells," says Dr. Sandlow. "Then the DNA is compacted as the cells become smaller and more mature. It takes a long time." Once your seed is cast, the life span varies: Under the right conditions--a sealed container warmed to 98.6øF at the clinic--sperm can last up to 24 hours. Sperm that have found their way onto your sheets or her panties aren't as lucky: "It would be tough to achieve a pregnancy with sperm that are just sitting on a surface somewhere," says Dr. Sandlow, though we don't recommend experimenting at home. If your soldiers happen to find their way inside a female, they have up to 96 hours to rendezvous at Checkpoint Charley, or their mission is terminated.
6. Match the life span of a sperm to its location:

A. Inside a man's body
B. In a petri dish at the fertility clinic
C. On your hand, her underwear, the sheet
D. Inside a woman's body

Answer: A. 3., B. 2., C. 4., D. 1. Though you create thousands of new sperm a day, the entire sperm-making process takes close to 3 months. "Sperm start out as immature germ cells," says Dr. Sandlow. "Then the DNA is compacted as the cells become smaller and more mature. It takes a long time." Once your seed is cast, the life span varies: Under the right conditions--a sealed container warmed to 98.6øF at the clinic--sperm can last up to 24 hours. Sperm that have found their way onto your sheets or her panties aren't as lucky: "It would be tough to achieve a pregnancy with sperm that are just sitting on a surface somewhere," says Dr. Sandlow, though we don't recommend experimenting at home. If your soldiers happen to find their way inside a female, they have up to 96 hours to rendezvous at Checkpoint Charley, or their mission is terminated.

Top 10 Banks to Open a Saving Account in India

noreply@blogger.com (Anonymous) — Sat, 31 Oct 2015 12:02:00 +0000

If you want to open a saving bank account then which bank is good for you? It really does not matter whether this is your first time or already you have an account.
You can rethink and choose a right bank to save your hard earned money. In any India, there are a number of government as well as private banks.
Moreover, new banks are opening every now and then. So, you have got a wide range of banks to choose from.Whether you choose a government bank or a private they must give high returns of your savings.

So on which basis you should choose a bank to open an account.

The first obvious reason is the Bank should be genuine and should keep your money safe.
A Bank must give higher returns of your savings.
Presence of ATMs all over the country.
Easy money transfer.
Great Customer Support.

You should consider above mentioned things before you choose a bank to open your account.
The Documents that you need to open a bank account are

Address Proof – (Electricity Bill, Ration card, Landline bill, Aadhar card or Passport)
ID Proof – (Pan Card, Passport, Election card or Aadhar card).
Passport size photographs
A Minimum deposit of Rs 500/- to Rs 1000/- to Rs 10,000/- (you need to maintain this amount in your account)

Address proof is very important. Normally, all the banks would ask these two documents to open an account.
Initial amount of Rs 500 or Rs 1000 to Rs 10,000 is also important.
For example for SBI you need Rs 1000/- and for HDFC you need at least Rs 10,000/-
So here are 10 banks from government as well as private sector where you can open your saving account. You can choose anyone of them.

1. State Bank of India

State Bank of India is the largest bank in India. This government bank was established in 1955.
It has Non-Banking subsidiaries and Joint Ventures like SBI Capital Markets Ltd, SBI Funds Management Pvt Ltd, SBI Life Insurance Company etc.
There are many other commercial services that SBI has to offer.
You can find SBI in every corner of India.

Branches: 16,000
ATM: 9000+

It has more than 70 overseas branches.

2. ICICI Bank

ICICI was founded in the year 1994. The salient feature of this bank is a saving plan by children. It is called Young Stars.
It also provides home loans, personal loans and even car loans. This is one of the best private sector banks in India.
What I like about this bank is its long working hours.

Branches: 1400
ATM: 4600

3. Punjab National Bank

There are many products offered by PNB. It started as a private bank but was nationalized in 1969.
Deposit and loan schemes like house loans, educational loans, personal loans, customer finance etc.
PNB started Gold Card Scheme for export clients.
It also offers 12 hour banking services and electronic clearing service at some branches.

Branches: 5000+
ATM: 2500

4. Bank of Baroda

It major products are export finance, bill finance, infrastructure finance, foreign currency loans and other loans.
It also offers Multi Cheques, Baroda Health, Baroda Money Express services that ensure better payment and easy transfer of funds.
Some other programs are Baroda premium account, Baroda salary advantage account, Baroda Super Six, Square Drive etc.

Branches: 4300
ATM: 2000+

5. Canara Bank

Like PNB it was also nationalized from private bank in 1969.
It has seven subsidiaries and sponsored institutions.
It offers services like savings, fixed and current account deposits.
It also offers niche based services like SB Can Champ, Ashraya Deposit for senior citizens, Can-Tax saver Scheme, Vidyasagar loan for education.

Branches: 3600
ATM: 4000+

6. HDFC

HDFC is a private sector bank established in 1994. It provides financial services and other products.
Some of its features are
Kids Advantage Account for children savings.
Retail Trust Account for earning higher interest.
It also provides wholesale banking services to big companies to small companies to agriculture based companies.
It also offers debt securities and equities.

Branches: 2780
ATM: 11,000

7. Bank of India

Founded on 1906 and nationalized in 1969 like others.
It provides Medi Mobile scheme which enables practitioner to buy automobiles of their choice.
Bank of India’s saving plus scheme is also a great service with a sweep in and sweep out facility.

Branches: 4200
ATM: 1700

8. IDBI Bank

IDBI or Industrial development bank of India is subsidiary of RBI. It was established to provide industrial development in the country.
It is 10^th largest developmental bank in world.
Some of its best product is
Sabka account for minimum balance account.
Citizen IDBI Bank for economically deprived.
IDBI is a great bank for starting small business.

Branches: 1000+
ATM: 1600+

9. AXIS Bank

AXIS bank is a bank which offers core banking. One of its advantages is the presence of ATM at every corner.

Branches: 729
ATM: 3171

10. Union Bank of India

Union Bank of India is a private sector bank.
It also offers core banking system.
Some of the products are
New India Insurance for healthcare and medical claims.
Telebanking services and many other services.

Branches: 300
ATM: 4129

Although there are many other good banks in India which are not mentioned above.
Some of them are

There are many other local banks which are very popular in the states.
If you want to open an account then you can choose any one of 10 above mentioned banks.

What is Term Plan in Insurance & How to Choose Best Term Plan

noreply@blogger.com (Anonymous) — Sat, 31 Oct 2015 12:00:00 +0000

What is Term Plan in Insurance & How to Choose Best Term Plan

What is a Term Plan in Insurance?

Term insurance plan is nothing but an insurance policy that could commit a very high life cover in return of very low premiums. However, the flip side is that the plan does not give you anything in the end of the term if you complete the time period.

Term plan is very effective in case of a death because you get a very huge returns as compared to your investment but you don’t lose a big amount in case nothing happens to you.

Why should you buy a term insurance plan?

Well! There are many advantages of it but the best part is that it is available with low premiums because there is no maturity plans included.
Moreover, Most of the insurance agents running around you sell the costliest insurance plan.

Therefore you end up buying a plan that you need desperately but the premium cost is too high for you.
OR you take a plan that you do not need at all
OR you do not take any plan and postponing it.
Hence, in this scenario the term insurance plan is best to buy because it is designed for special purpose.
I hope this gives you a brief idea about the term insurance plan and why it is important for you.
Keep on reading to know more…

Who all Can and Cannot Apply for Term Insurance Plan?

Although term plan is very easy to get but you should know who all can apply for term insurance plan. I mean to say there are certain eligibility criteria for this.
It differs from company to company which gives the insurance plan but I will tell you general things that is normally remains same while applying for a term insurance plan irrespective of a company you choose.
1. Minimum Age: Every insurer is going to ask for minimum age of 18 years. The maximum age for applying is 65 years. If you are older than that they you might not be eligible for a plan.
2. Policy Terms and Condition: The minimum time period for an insurance plan is 5 years. Maximum it can go up to 30 to 55 years. Hence, your time period must be between 5 years to 55 years.
3. Maturity Age: The maximum maturity age is 75 years and it can be for whole life also. It depends upon the kind of insurer you are choosing for your insurance plan.
4. Annual Premium: This is very important for you because people are mainly interested in knowing how much they have to pay every year.
Normally, minimum amount you need to pay is Rs 2000/-. However you could pay more if you want more money if something happens to you. It would depend upon the sum you have assured and your age.
Premium Payment Mode: You have complete flexibility for paying your premium money. You can pay outright the entire amount or you could pay regularly, yearly, half-yearly, quarterly, and monthly.
It depends upon you what is convenient for you.

Smokers

As smokers are at higher risk of early loss of life hence there is a separate plan for them. You have to pay a higher premium (around 15% to 25%) if you are a smoker.

Riders

Riders like dangerous diseases rider, or accidental death riders. They are valid for certain period of time with special benefits.

Terrorism Cover

Many company offers cover for death because of terrorism. You need to check this with your insurer whether they have this plan or not.
So these were some variables that you need to consider before choosing a term insurance plan.

Advantages of Term Insurance Plan

Before you choose a term insurance plan you need to know some of its advantages. Here are some of them.
1. Plan Choice – You can choose a plan on single life basis or joint life basis. Insurer would give you that flexibility.
2. Death Benefits – The nominee would receive the amount the he or she has chosen.
3. Maturity Benefits – As you in term insurance plans there is no maturity benefits when you survive you get money only if you are dead.
4. Policy Terms – Minimum is 5 years (it can be different for different insurer) and maximum is 30 years.
5. Entry Age – Your entry age should be at least 18 years it maximum could be up to 75 years.
6. Other Benefits – There are other benefits like critical illness benefits. Then accidental benefits and it covers for terrorism deaths also.
So what do you get when you choose a term plan.

You get maximum cover at very low price. Your life is insured and you have to pay small amount of money monthly or yearly as per your plan.
Flexibility – You have complete flexibility to choose the sum that is assured at the end of the term.
There is additional benefit that could be availed at a small cost. It means if there are some additional benefits in a plan and you want to use it then there is flexibility to make use of it at a low cost.
Premium amount remains same over the entire term of the policy
As I said earlier it is your choice how you want to pay your premiums, you can pay it regularly in months or one full time.
Above that you would like to listen is the tax benefits. Under section 80C and 80D you get relaxation in paying your tax. Hence, you could save a lot of money.

I would like to add here that customer support of various banks that give term insurance plan to you is great.
It is because of competition as there are dozens of companies in the market and you can choose anyone which is best for you.
There is an agent dedicated to you that is going to explain you everything whenever you want.

How to Choose a Best Term Plan for You

Investing money is a serious business. Therefore before you invest your hard earned money you have to think twice and make a right decision.
So if you are sure that you are going to buy a term plan from a particular company then you should look out for following things before you make a choice.

1. Decide on the Insurance Cover Amount

You have to make a decision on the insurance cover amount. Ideally, your amount should be 6 to 8 times of your annual income.
It is advised to consult your financial planner before you choose your cover amount.

2. Scrutinize Claim Settlement Ratio of Your Insurer

This is also very important factor. You need to know the number of successful claims that has been settled or disbursed by the particular company.
The ratio must be high, only then you should go for that company.

3. Do Not go for Low Premium Rates

Going for Low premium rates always is not a wise decision. It is an important factor but not always.
Low premium rates have several conditions attached to them. Hence, you should be clear about it.

4. Check for Rider Benefits

Almost every term policy offers rider benefits like for critical illness, permanent disability or death from terrorism etc.
Choose a policy that has low additional cost among different insurance provider.

5. Do Not Hide Anything, Disclose all your Information

Disclose all your information to your insurance provider. Your smoking habits, any illness and your lifestyle.
You should be honest otherwise later your insurance provider could deny the insurance amount on the basis of suppression of facts.

6. Avail Free Look Period

You have complete choice to return your policy within 15 days of date of issue if you have some problem with the term plan.
Insurance providers are mandated by IRDA to offer free look period where the customer has choice to return the policy. Hence make best use of it.

7. Read Policy Documents of Insurer at least 10 Times

Ready the policy documents of your provider at least 10 times. Take your time and do not be in a hurry, read it comprehensively, especially things that are between the lines and then make a decision.
Always fill the form on your own, never let agent to fill the form on your behalf.
Therefore, you need to consider these things before you choose your term insurance plan.

Comparison Table of Various Term Plans

To make things easier for you I created a table of 15 companies with their policy names and premium you have to pay, riders and mode of applying them.
Although premium amount is subjected to change and you have to check the website of the company before applying but the table down under show a tentative amount.
Below comparison table is for a 30 year old person for 1 crore sum assured & who is a not a tobacco user:

Sr. No.	Company	Policy Name	Premium	Riders	Mode
1	LIC	Amulya Jeevan	Rs. 33,600	NIL	Offline
2	ICICI Prudential	I – Care	Rs. 14,607	Yes	Online
3	HDFC Life	Click 2 Protect	Rs. 11,461	No	Online
4	Metlife	Met-Protect	Rs. 12,134	No	Online
5	Aegon Religare	iTerm	Rs. 25,618	Yes	Online
6	Kotak	e-Prefered	Rs. 10,825	No	Online
7	ING Vyasa	My Term Insurance	Rs. 11,891	No	Offline
8	Bajaj Allianz	iSecure	Rs. 25,838	Yes	Online
9	SBI Life	Smart Shield	16798	Yes	Offline
10	Reliance	Term Insurance	Rs. 35,954	NA	Offline
11	Tata AIA	Maha Raksha	Rs. 7,978	NA	NA
12	Birla Sun Life	Protector Plus	NA	Yes	Offline
13	Canara HSBC	Life Pure	NA	NA	NA
14	Sahara Life Insurance	Kavach	NA	NA	NA
15	Max New York	Platinum Protect	Rs. 23,500	Yes	Offline

This is the list of top 10 companies with highest claim settlement ratio. You get an idea which company has paid the amount after the death.
Surely LIC comes first.

Sr. No.	Company	Claim Settlement Ratio
1	LIC	97.4%
2	ICICI Prudential	96.5%
3	HDFC Life	96.2%
4	SBI Life	95.5%
5	Kotak	92.1%
6	Birla Sun Life	90.9%
7	Bajaj Allianz	90.6%
8	Max New York	89.8%
9	Aviva	89.6%
10	ING Vyasa	88.8%

Top 15 Reason Your Insurance Claim May Get Rejected

noreply@blogger.com (Anonymous) — Sat, 31 Oct 2015 11:59:00 +0000

Top 15 Reason Your Insurance Claim May Get Rejected

Insurance is one such thing that acts as a protective cover in the time of need & getting money in the time of need is just like a blessing from god. But sometimes this insurance claim gets rejected and you are left completely heartbroken.
There can be many reasons that might result into insurance claim rejection and it is always advised that you should read all the terms and conditions before purchasing the insurance policy.
Here are 15 top reasons that might result into your insurance claim getting rejected by your insurance company.

1. Non-Disclosure of Important facts

When at the time of purchasing the life insurance policy you need to tell company about your health condition. If in case later at any stage it is proved that you didn’t disclose about the exact health condition at the time of buying of policy the insurance claim might gets rejected.
Hence it is always advised that you undergo a medical checkup so that your get a medical certificate from the medical authority about the exact condition of your health.

2. Not paying the life insurance premium on time

Always make sure that you renew your life insurance on time. Most of the life insurance companies rejects claim because the policy gets lapsed. In case you do not remember the date set a reminder so that the insurance policy gets renewed on time. You can also go for ECS option where a set amount is automatically deducted from your bank account for the insurance policy premium.

3. Not disclosing about the negative credit record

There are times when you do not disclose about your negative credit record at the start and if in case the insurance company finds this later then there are chances that the insurance claim might be rejected.

4. Do not trust your insurance agent blindly

There are many people who buy a life insurance policy in a hurry and they do not read all the terms and conditions properly. They just trust the insurance agent blindly and then regret later. There are some hidden points that are mentioned in the policy document and you must read all those terms, conditions and hidden points so that you don’t feel cheated during the time of the insurance claim.

5. Not disclosing about the nature of your job

Certain people work in a job that comes under high risk category and it is always advised that you mention the same during the initial stage of policy buying. Failing to do so may result into the rejection of the life insurance claim.

6. Not submitting the correct and valid documents

In case the supporting documents that you are giving with the policy are not valid or are found to be fake then also the life insurance claim may get rejected. Documents like date of birth certificate, PAN card number and other relevant documents needs to be true.

7. Not filling up the insurance form yourself

This happens many times as people who are buying insurance do not fill up the insurance form them and let the insurance agent do the job. Sometimes the insurance agent or the other person might fill the wrong information that might lead to the rejection in the insurance claim.

8. Not updating about the nomination

Whenever you fill a life insurance form make sure that you fill complete information about the nominee. In case god forbids you die and the nominee’s data is not filled in the insurance form then also there are chances that the insurance claim might get rejected.

9. Not verifying the policy document

There are times when people do not verify the policy document properly and repent later.

10. In case there is a fraud

There are times when there is some kind of fraud which involved in the death of the person.

11. Death Due to reckless driving

If during investigation it is proved that you have been driving in a reckless fashion then also the insurance claim stands rejected. Therefore it is always good to drive your vehicle within permissible speed limits and keep your life safe.

12. If it is a case of death due Drunken Driving

Never ever drive when you are drunk. It is always good to use some other mode of transport to reach home or you can call a friend or family member who can pick you up from the spot. Insurance companies are very strict about drunken driving cases and they straightforward deny life insurance claim to such drivers.

13. The life insurance policy does cover the cause of death

In case the policy holder dies because of some other reason that is not mentioned in the policy document.

14. In case it is a suicide case

Insurance companies reject claims that are made in case it is a suicide case. They treat it as deliberate attempt to have money and the claim stands rejected.

15. If the person dies during the contestability period

This period normally falls between the initial 2 to 3 years of buying the policy and some companies reject insurance claims made between this periods.
So these are some of the reasons your insurer can look upon when you make a claim so try to avoid any of the situation above.
Even if by mistake, you violate any of the terms and your claim is rejected, you can appeal in the consumer court. In most of the cases, consumer court favors the policy holder only.
Do you have any good or bitter experience with your insurance company. Share the same with others through the comment box below.

Mutual Fund

noreply@blogger.com (Anonymous) — Sat, 31 Oct 2015 11:58:00 +0000

Why Mutual Fund is Better than Other Investments

People earning money on a monthly basis cannot save in their bank account due to their expenses. Thus, investment is the great way of keeping your money for future. You can find varied types of investment schemes in the market. Choosing the plan which matches your need is really important.
If the investment is related to market, risk will be a part. But there are other options of investments where the risk will be minimized. Mutual funds are one of such kind available in the market. You can now get many advantages of mutual fund as compared to other investment plans.

Benefits of Mutual Fund over Other Investments

No market analysis

An individual willing to make an investment in a stock market needs to analyze the market and then choose the particular stock to investment. In maximum cases, help of the experts are needed. But, if you want to make an investment in mutual fund, no market analysis is required. You can only concentrate on buying funds.

Professionally managed funds

Generally a small investor has a doubt that they cannot manage the funds that they have purchased. But, if you are buying the mutual funds, it will be quite feasible to expect their investment managed by professionals. If your investment sum is too less, investments on other plans becomes very difficult. But, the professional managed team of brokers will manage your funds in a systematic order.

Transaction cost

If you compare the transaction cost of mutual fund investments with other form of investments, the transaction cost of MF will be much cheaper than the others. Thus, people having financial constraint will also think of reducing the transaction cost as well.

Diversification

An important reason of people’s inclination over the mutual fund investment is its diversification. Your funds can be easily diversified in various sectors in the market. Since your funds are not restricted in one sector and are deployed in other sectors, the risk of losing money will be reduced. If you lose in one fund, you can gain in other fund. This way, it will be quite easy to get a balance in your funds.

Liquidity

Even if you have invested money in order to side some of your revenue for future needs, money can be in need suddenly during the emergency situation. Unlike other investment policies which have a locking period, MF does not have such complications. You can easily withdraw the amount when you are in need of money during your emergencies such as medications, marriage renovation etc.
People prefer mutual funds over other types of investment options as tracking its value will be very easy. The risk factor in investment in real estate will be quite lower than that of other investment options. If you are a novice and wish to invest in a stock market, starting with mutual fund investment will be better option. Since the risk factor is less over here as well as the amount you can invest is also quite lower.

How to Save Money on Your Mobile Phone Bills in India

noreply@blogger.com (Anonymous) — Sat, 31 Oct 2015 11:56:00 +0000

How to Save Money on Your Mobile Phone Bills in India

We use our mobile phone and spend a lot of money monthly on various plans. Whether your SIM is prepaid or post paid, whether it uses 2G or 3G, all you want is, to save money on your monthly bills.
Hence, we created this article for mobile users in India. If you are smart enough and you implement tips and plans given below then definitely you could save thousands of rupees every year.

Most Frugal Plan

The first thing to decide is choosing a right kind of plan. A single right plan could save hundreds of rupees every month.
You have to choose a plan that is according to your need. For example, Vodafone has a post paid plan Talk STD 299 at Rs .50, Rs 299 a month as rental, and the plan allows you to make calls for Rs .50 per minute. It is very frugal and you can talk more.

For prepaid users, the Vodafone’s Bonus Card 140, Rs 140 per month allows you 300 minutes of STD calls but valid for only 15 days.
Therefore, you have to decide according to your need. You choose a STD plan because you talk more with people living outside your city, if you talk more with people living within the city then choose a plan that has low call rate on Local calls.

Choosing Between Pre Paid and Post Paid

What you want to choose a pre paid SIM or a post paid one?
If you need to talk over 1 to 2 hours daily then a post paid plan is really good. Yes, you have to pay rental but after that you can talk as much as you like without paying much.
For example, your rental could be up to Rs 900/- but if you talk over an hour everyday then your bill for the entire month would be like Rs 1100/- to Rs 1200/-. But if you were to talk for an hour on pre paid plan then your monthly bill would more than Rs 3000/-.
Hence, if you have to talk longer then postpaid is best.
However, if you talk less like 5 to 10 minutes in a day then postpaid is worthless because there is no need to pay rental. In that case prepaid is best for you.
So prepaid or postpaid you have to choose according to your need.

Per Second Billing and Free SMS

If your call is less than a minute, say 30 seconds to 40 seconds then you could choose plans that are best for you.
Vodafone, Airtel, Tata etc have such plans where you get concession if your time call is less than a minute.
Next is, SMS. If you text a lot to your friends and other family members, then choose a plan where SMSs is given free. There are plans where you get certain number of SMSs free daily and monthly. There are even many sites which you can use to send free SMS and a chance to earn some money.

Study Your Telephone Bills

Study your phone bills if you are using a post paid plans. If you are using a pre paid plan then always keep a track record of number of time you recharge or top up your phone.
If you think, special packages like night pack, SMS pack are really not required then get rid of them. You could choose some other plan also.

Avoid Roaming Charges

You could choose a plan or a service provider that either charges less on roaming or it charges not at all.
Hence, you must avoid roaming charges if you are travelling inside or outside India.

Go For Unlimited Plans

Unlimited plans are best if you talk more and use internet daily. You don’t have to worry about bill. Use unlimited plan if you have to talk daily on phone for hours and hours.
However, it could be expensive if you travel a lot because of roaming charges.

Off-Peak Calls

Some plan charge very less for calls made during off-peak hours.
For example, Aircel’s Rate Cutter Plan (Rs 39/-month) allows you to call other Aircel user for Re 1 for 30 minutes between 11pm to 7 am.

At Last Change Service Providers

Finally, I would suggest, you to change your service providers and keep on experimenting if you have to save money on your phone bills.
Try different plans from different service providers and stick to most frugal of them.
Therefore, you should choose a plan keep your need in mind. Every plan is created to cater one’s need.
Here are some of the cheapest and most frugal mobile phone plans from different service providers.

Service Providers	Plans	Calls	SMSs
Vodafone	Plan of Rs 72/-	Local Calls at 30p/Minute, STD Calls at 35p/Minute	SMS at Re 1/- for Local , 500MB of 2 GB Data Free for a Week
Airtel MNP	Plan of Rs 19/-	Local Calls for 30p/Minute, STC Calls for 40p/Minute	Local SMS at Re 1/-
TATA DOCOMO Lifetime Plan	Plan of Rs 99/- for Lifetime	Local and STD Calls both at 1 paisa/Second	Local SMS at Re 1/-
IDEA Cellular	Plan Valid for 180 Days	Local and National Calls at 1.2 paisa/Sec	Local SMS at Re 1/- and National SMS at Rs 1.50
AIRCEL Teen Pack	Plan Cost of Rs 45/-	Local and STD Calls as per Original Plan and for Life Time	Local SMS at 1 paisa/SMS
Airtel	Plan of Rs 69/- x	Local Calls at 30 paisa/Minute, STD Calls at 35 paisa/Minute	Local SMS at Re 1/-
BSNL Unlimited Plan	Plan Rs 33/- for 180 Days	Local Calls and National Calls at 1 paisa/Second	Local SMS at Rs .50/-
TATA DOCOMO	Plan of Rs 20/-	Local Calls and National Calls at 30 paisa/Minute	Local SMS at Re 1/-

Now we look at the Post-paid and Prepaid plan of VODAFONE

Post-paid

Monthly Plan (Rs 100/- to Rs 200/-)	Details
VF Talk 199 One Sec Plan	Rs 199/- (1 Month Rental)
Power to Choose 150	Rs 150/- (1 Month Rental)
Roaming Plan – RTP	Rs 149/- (1 Month Rental)
Roaming Plan – RTP FR	Rs 149/- (1 Month Rental)

Monthly Plan(Rs 200/- to Rs 300/-)	Details
Talk STD 299 at 50p	Rs 299/- (1 Month Rental)
VF Talk 299 One Sec Plan	Rs 299/- (1 Month Rental)
VF Ticket Plan	Rs 229/- (1 Month Rental)
VF Travel Plan	Rs 299/- (1 Month Rental)

Prepaid

Monthly Plan (Rs 100/- to Rs 200/-)	Details
Plan Voucher 14	Rs 14 (1.5 p/sec, Talktime: Rs 0/-, Activation Fees: Rs. 10)
Voucher 61,	Rs 61 (60 p/min, Talktime: Rs 0/-, Activation Fees: Rs. 10)
Plan Voucher 83	Rs 83 (1.6 p/sec, Talktime: Rs 0/-, Activation Fees: Rs. 10)
RTP – FR 202	Rs 202/- (1.5 p/sec, Talktime: Rs 0/-, Activation Fees: Rs. 10)

Similarly, you could visit plans from other service providers like Airtel, Tata DOCOMO, Aircel, Idea cellular and compare them with Vodafone.