MARIGOLD

2014-08-19T01:58:00.002-07:00

MARIGOLD

2013-11-22T20:57:00.002-08:00

LIC s JEEVAN ANAND

Product summary:
This plan is a combination of Endowment Assurance and Whole Life plans. It provides financial protection against death throughout the lifetime of the life assured with the provision of payment of a lump sum at the end of the selected term in case of his survival.

Premium:
Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the selected term of the policy or till earlier death.

Bonuses:
This is a with-profit plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. Bonuses will be added during the selected term or till death, if it occurs earlier. Final (Additional) Bonus may also be payable provided the policy has run for certain minimum period.
Benefits in case of death during the selected term:
The Sum Assured along with the vested bonuses is payable on death in a lump sum.

Benefits in case of survival to the end of selected term:
The Sum Assured along with the vested bonuses is payable in a lump sum on survival to the end of the term. An additional Sum Assured is payable on death thereafter.

Accident Benefit:
An additional Sum Assured (subject to a limit of Rs.5 lakh) is payable in a lump sum on death due to accident up to age 70 of life assured. In case of permanent disability of the life assured due to accident this additional Sum assured is payable in instalments.

Supplementary/Extra Benefits:
These are the optional benefits that can be added to your basic plan for extra protection/option. An additional premium is required to be paid for these benefits.

Surrender Value:
Buying a life insurance contract is a long-term commitment. However, surrender values are available on the plan on earlier termination of the contract.

Guaranteed Surrender Value:
The policy may be surrendered after it has been in force for 3 years or more. The guaranteed surrender value is 30% of the basic premiums paid excluding the first year’s premium. Any extra premium(s) paid and premium(s) towards Accident Benefit are also excluded.

Corporation’s policy on surrenders:
In practice, the Corporation will pay a Special Surrender Value – which is either equal to or more than the Guaranteed Surrender Value. The benefit payable on surrender reflects the discounted value of the reduced claim amount that would be payable on death or at maturity. This value will depend on the duration for which premiums have been paid and the policy duration at the date of surrender. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total premium paid.

The Corporation’s surrender value will be reviewed from time to time and may change depending on the economic environment, our experience and other factors.

Note: The above is the product summary giving the key features of the plan. This is for illustrative purpose only. This does not represent a contract and for details please refer to your policy document.

2013-11-22T20:46:00.001-08:00

LIC s BIMA BACHAT

What is Bima Bachat?

LIC’s Bima Bachat is a money-back policy which offers financial security and assurance to the policy holder and his family. Bima Bachat requires the policy holder to pay only one premium. The amount paid for the premium depends on the duration of the policy taken and life insurance is available till the date of maturity.
What other benefits do I receive during the specified duration of the policy?

For a term of 9 years: The policy holder will receive 15% of the sum assured at the end of every 3rd and 6th policy year.

For a term 12 years: The policy holder will receive 15% of the sum assured at the end of every 3rd, 6th and 9th policy year.

For a term 15 years: The policy holder will receive15% of the sum assured at the end of every 3rd, 6th, 9th and 12th policy year.

What additional benefits do I get upon maturity?

If the policy holder outlives the duration of the policy, at the time of maturity, a single premium payment (excluding extra premium) is made along with loyalty additions, if any.

How much insurance do I get?

The policy holder is insured for an amount equal to the sum assured.

What about the installment received already?

The insurance cover is irrespective of the installments received.

When am I eligible for the guaranteed surrender value?

The guaranteed surrender value is available only after completion of at least one policy year. This value is equal to 90 % of the single premium paid (excluding extra premium).

What other benefits does this insurance cover offer?

Bima Bachat is the only money-back policy that offers a loan facility. The rate of interest for this will be determined from time to time by the corporation. Presently the rate of interest is 9% p.a. payable half-yearly.

It also offers other benefits like the 15 day cooling off period, grace period and revival.

Who is eligible for the policy? Are there other conditions or restrictions?

The following are the requirements that one needs to be aware of before applying for this
policy:
· The person applying for the policy should have completed 15 years and should not be older than 66 years.
· The policy will mature when the person is 75 years old.
· There is a choice of three terms to choose from (9, 12 and 15 years) for the policy depending on the age and requirement of the applicant.
· The minimum sum that needs to be assured is Rs 20,000/- and there is no limit on the amount that can be assured.
· It is important to note that the sum assured should be in multiples of Rs 5000/- only.
· The policy requires the holder to pay a single premium.

2013-11-13T20:03:00.000-08:00

In India Celebrations are many. Look at the list of festivals. All of them are celebrated with just different types of eats, dressing, gifting and enjoying.
Festivals were invented long ago,by our elders.
Prayer and discipline was the motive
Most of us lived in joint families, and it needed an occasion to buy clothes for the entire family. It needed an occasion to eat special food, in which you cannot indulge in everyday. It was a day when we take the opportunity to share goodies etc., with the less fortunate ones we know of and also those who serve us every day assisting and making our life easier for us.. which we must acknowledge. I mean, the Postman, Milkman, Newspaperman, Maid servants, gardeners, drivers and more..

FLOWERS FOR YOUR DEITY

2012-08-25T04:28:00.002-07:00

lotis

FLOWERS form an important and integral part of a Hindu worship. Flowers are used in all Hindu poojas irrespective of whether they are carried out at home or at temples. Flowers serve as mediums to communicate to God. Furthermore, the fragrance of flowers induces devotion and sets the mood for worship. When flowers are offered to deities, there is a mechanism which functions to release divine energy into the atmosphere. Flowers attract the inherent divine or positive elements in the space and emits them through their petals, thereby charging the atmosphere with divine and positive vibrations.

Different flowers are associated for the worship of different deities in Hinduism.

Below mentioned are the flowers for worship of different deities according to the Hindu faith.

Lord Ganesha: Arugampul or Bermuda grass commonly found everywhere is the most auspicious offering to Lord Ganesha. Vel Erukampoo (White colour) or Calotropis Gigantea (Botanical name) is also considered as auspicious for the worship of Lord Ganesha.

bermuda grass

Lord Shiva: It is well known to a devout Hindus that Bilva leaves are considered the most auspicious to be offered to Lord Shiva. Apart from it, Thumbai Poo (Leucas aspera), Purple orchids or Kovidaar which is also called Mandarai flowers are also recommended for the worship of Lord Shiva. Champak and Vel Erukkampoo are also offered to invoke His blessings.

purple orchids
s erakampoo

Lord Vishnu: It is a commonly known fact that Tulsi (Basil leaves) leaves are considered the most auspicious to be offered to Lord Vishnu. This practice simply reminds one of Lord Krishna's statement in the Bhagavad Gita that even a small little leaf offered with total devotion is suffice to appease Him.

Apart from Tulsi, Paraijata, Thechi, (Ixora coccinea), Shankhupushpam or Aparajitha (Butterfly pea - Clitoria ternatea) are also considered auspicious to be offered to Lord Vishnu. Lotus which is often compared to the eye of the Lord in scriptures and devotional works acclaiming His beauty, is no doubt an auspicious flower offering to Him.

Goddess Parvati or Devi: There are mentions of various flowers in 'Lalita Sahasranama' dedicated to Devi. She is also said to be residing in the Kadhamba groves, for which, She is acknowledged with devotion as 'Kadhambavana Vasini'. Kadamb' (Neolamarckia cadamba), Champak (Michelia champaca), Hibiscus, Punnaag or Sultan Champa, Jasmine, etc are ideal to attract the grace of Devi.

Goddess Durga: Red flowers are basically offered to Goddess Durga. Hibiscus, Thechi (Ixora coccinea), Sev Arali (Nerium indicum or Nerium oleander) are some of the most commonly used flowers for the worship of Durga.

Goddess Lakshmi: Lotus happens to be the abode of Goddess Lakshmi. Lotus is considered as sacred to be offered to Goddess Lakshmi. Thazhampoo, which is also called Ketaki or Screwpine, Thechi, Champak (Michelia champaca) and Jamanthi (Chrysanthemum - Corn Marigold) are also some flowers that invokes the Grace of the goddess of wealth.


Thazhampoo chrysanthemun

Goddess Saraswati: As Goddess Saraswati is seated on a white lotus, the flower is offered to Her. Parijata is not to be offered to Goddess Saraswati.

white lotus

Lord Subhramanya: Lotus and Sev Arali (Nerium indicum or Nerium oleander) are considered as important among the flower categories to be offered to Lord Subhramanya.

lotus

Dakshinamurthy: Considered as the 'Guru' for the Saivites, Mullai a category of the Jasmine family ushers in the blessings of Dakshinamurthy.

Hanuman: Tulsi or Basil leaves and a garland made of 'Beetle leaves' are recommended to invoke the blessings of Lord Hanuman.

thulasi or basil leaves

betel leaf BETEL LEAF GARLAND

These flowers for worship of different deities aids in establishing a communion with one's chosen deity and invariably invokes grace.

parijatha

2012-08-25T04:16:00.001-07:00

Drumstick leaves Dr Vanisha Nambiar Accra presentation Nov 2006

Out of all green leafy vegetables available, drumstick leaves (Moringa Oleifera) contains 23791.91mcg

total carotene and highest β-carotene content 16165.33 mcg/ 100gm FW and can be a suitable protocol for dietary diversification/improvement strategy especially to eradicate vitamin A deficiency.

Apart from β-carotene content they are also a good source of ascorbic acid, calcium, phosphorus,

vitamin E and has low levels of oxalates. They are a rich source of protective nutrients essential for healthy vision, bones, blood and skin.

The are also rich in various polyphenols, which act as antioxidants and are recommended for protecting

against CVDs.

2011-12-08T23:53:00.001-08:00

ASTOLOGICAL NAMES OF PLANET IN TAMIL

SUN    SUNDAY                       SOORIYAN
MOON    MONDAY                      CHANDRAN
MARS                             TUESDAY    CHEVVAI
MERCURY                   WEDNESDAY              BUDHAN
JUPITER THURSDAY                   GURU
VENUS                          FRIDAY SUKRAN
SATURN                          SATURDAY                   SANI
RAHU TUESDAY    RAHU
KETHU                           SATURDAY    \KETHU

2011-12-08T23:41:00.001-08:00

THULSI PLANT

2011-12-02T19:34:00.000-08:00

Herbs and Spices

Holy basil has both medicinal and spiritual importance in India.

It is sacred to Lord Vishnu, the Hindu god of preservation and is considered purifying to mind, body, and spirit. A living Tulsi plant is kept in many Indian courtyards where it is believed to provide divine protection. Medicinally it's been used in the treatment of colds and flus to cleanse the respiratory tract of toxins, and in the relief of gas and bloating. The oil is an antioxidant and is used for pain and arthritis. Recent scientific reports have confirmed the healing potential in medical conditions ranging from diabetes to cancer. Furthermore, Tulsi may even possess useful antibiotic activity, have a blood pressure lowering effect and be effective as a birth control agent.

cooking

2011-11-30T09:15:00.001-08:00

Ginger and garlic paste
is used in non vegetarian dishes, and also in curries like kurma, and in vegetable rice or Biriyani. Try using grated ginger and garlic, because it blends well, and gives better flavour!

Recipe

You can make vadais with cabbage! here's how to do that.

Cabbage cutlet

250 gms of shredded cabbage
50 gms of fried gram
3 red chillies, one sliced onion
ginger garlic paste 1 tsp
cloves 2, and a piece of cinnamon, 1 tsp of fennel seeds (somp)
oil for frying and salt
Saute the cabbage.
Roast the red chillies onions chilli-garlic paste. somp, cinnamon and clove. Add and saut the cabbage and grind together with salt, to make a vadai batter,
Make very small portions, and flatten it into small cutlets.
Pour Oil into a shallow pan, and shallow fry the vadais, on medium fire.
Can be served as a snack, or a side dish with sambar or curd rice.

Breakfast, the most important meal of the day
Green gram porridge

Roast green gram for a few seconds and soak for half an hour.
Pressure cook with salt and four times the quantity of water.
Season with peeled garlic pods, mustard seeds, red chillies, asafotida and curry leaves roasted in a little bit of oil. Boil the porridge till it is very soft and forms a blended consistency. Add cubes of toasted bread and corriander!

2010-10-08T00:29:00.000-07:00

Tomatoes are used liberally in Indian Cooking for that enhanced taste. Tomato in curry and salads, vegetable and non veg dishes makes the food tastier. However, the skin of the tomato is like plastic and is non digestable.. It is necessary to remove the skin before adding to cooking

2010-09-17T23:46:00.000-07:00

Curry Leaves

Use curry leaves in cooking to enhance flavour of vegetarian and non- vegetarian recipes.

Fried meat, chicken taste and smell better if you add curry leaves while frying them.

To get the best out of curry leaves use only powdered curry leaves, paste, or extract.

When eaten directly curry leaves are not easily digestable.

To make curry leaves powder

Wash and aerate the leaves. When dry, heat in microwave till crisp, powder and store in air tight containers.

Can also be roasted with a little bit of urad dhal in a heavy bottom pan, and powdered.

While cooking vegetables heat coconut oil, dip a bunch of curry leaves for a few seconds and remove.

Vastu

2010-07-02T02:33:00.000-07:00

Fundamental concepts
There are many principles in Vaastu Shastra. To mention a few which involve certain mathematical calculations, Maana is used for proportional relationships in a building and Aayaadi specifies conditions for maximum wellbeing and benefits for the residents of a building. Below are some of the basic theories in vaastu sastra.

Five elements
According to vastu sastra, the world comprises five basic elements known as the pancha maha bhoota. Out of the eight planets, ours has life because of the presence and balance of these five elements. The five elements are as follows.

EARTH (Bhumi) - Earth, the third planet in order from the sun, is a big magnet with North and South poles as centers of attractions. Its magnetic field and gravitational force has considerable effects on everything on the Earth, living and non-living.

WATER (Jala) - This is represented by rain, river, sea and is in the form of liquid, solid (ice) and gas (steam, cloud). It forms part of every plant and animal. Our blood is nothing but water with haemoglobin and oxygen.

AIR (Vayu) - As a life supporting element, air is a very powerful life source. Human physical comfort values are directly and sensitively dependent on correct humidity, air flow, temperature of air, air pressure, air composition and its content.

FIRE (Agni) - Represents light and heat which account for day, night, the seasons, energy, enthusiasm, passion and vigour.

SPACE (Akasha) - The akasha provides shelter to all the above elements. It is also considered the primary conductor of all energy sources within the universal context - physical energies such as sound and light, social energies such as psychological and emotional, and cognitive energies such as intellect and intuition.

There is an invisible and constant relation between all the five elements. Thus, the person can improve their conditions by properly designing their buildings by understanding the effectiveness of these five natural forces. Vaastu sastra combines all the five elements of nature and balances them with the person and the material. It takes advantage of the benefits bestowed by the five elements of nature to create a congenial living and working environment thereby facilitating spiritual well-being and paving the way for enhanced health, wealth, prosperity and happiness.