Saturday, May 5, 2012

Tyagi English Coaching: Ae Hello! you long hair.. and lunky fellow! stand for where your sitting! teacher enter, no notice! hmm? full insulting?? hmm? you mother father's manners.. this? hmm? Long hair: Sir woh baat aisi hai.. Speak in ENGLISH! This english coaching! Not a.. local language. Long hair: Actually talk was that sirji ki dis.. FULL STOP!! Long hair: Sorry Sir! Sorry ka baby! You together thinking! hmm? English speaking like a rice plate eating? No! Never! huh! Not. English speaking not a children play! English speaking like a undertaker play! Taj Mahal create! Long hair: Taj Mahal create?? YESS! Again time! Careful! Again time this behaviour, so touch to my finger print you chick! So big cheek, you cheek, red-red cheek! Understand? Long hair: yes sir.. The postman, the busyman, the collector letter from the fever ishtin jack bhanda!

Friday, December 16, 2011

Mediclaim policies with MoneyBack or Return of Premium

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Plan Name: Triple Health Insurance
Insurer: Bharti AXA Life Insurance
Category: Health Insurance
Objective: Health Cover for critical illnesses

Bharti AXA Life Triple Health Insurance plan is one of a kind health plan which pays claim not only as a onetime payment but also second and third time. That is, if one critical illness is diagnosed and another, claims will paid two times.

Triple Health Insurance covers a total of 13 illnesses which are split into three groups- A, B and C.
The insured can make one claim for critical illness of each group. For illnesses falling in the same group, just one claim will be paid. For instance, if insured suffers from stroke and paralysis, 100% of Sum Assured will be paid. But if the insured suffers from stroke then needs liver transplant then 200% of Sum Assured will be paid.
Benefits of Bharti AXA Triple Health Insurance
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Critical Illness:
On diagnosis of first critical illness: 100% of Sum Assured is paid. All the future premiums are waived off.
On diagnosis of second critical illness: 100% of Sum Assured is paid.
On diagnosis of third critical illness: 100% of Sum Assured is paid and policy terminates.

Maturity Benefit:
If opted for “return of premium “and no claim have been made, on maturity fifteen times the first year premium.

Death Benefit:
If opted for “return of premium” and no claim have been made, death benefit would be equal to first year premium x completed policy years is paid to the nominee.

Tax benefits:
You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000. You are also eligible for tax deduction under Section 80C.

Who can buy Bharti AXA Life Triple Health Insurance?
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Triple Health Insurance can be bought by anyone aged from 18 years to 50 years. The maximum age at maturity should not exceed 65 years. There is fixed policy term of 15 years. People with pre-existing illnesses cannot opt for this plan.

What is not covered in Bharti AXA Life Triple Health Insurance?
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- Pre existing conditions or any complication arising from it
- Any critical illness diagnosed within 90 days from inception of policy
- Cool off period of 365 days after payment of one claim
- 30 days survival period
- War or related activities
- Self inflicted injuries
- Abuse of intoxicant things like alcohol or drugs
- HIV, genetic disorders and related diseases
- Mental Disorders
There are few more exclusion’s which can be verified from the policy document

How much premium for Bharti AXA Life Triple Health Insurance?
--------------------------------------------------------------------------------
For person aged 30 years opting for Sum Assured of INR 500,000 with return of premium option, his premium would amount to INR 5,945.

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Plan Name: Money Back Health Insurance
Insurer: IndiaFirst Life Insurance
Category: Unit Linked Health Plan
Objective: Health insurance and return on investment

IndiaFirst Money Back Health Insurance Plan is a health cum investment plan which provides you with a health cover as well as returns on investment. A portion of premium is directed towards health cover while the rest is used for investing in unit linked market plan. So you get both health cover and investment option in one plan.

IndiaFirst Money Back Health Insurance Benefits
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Health Cover: Medical expenses are covered if the insurer is hospitalized for more than 24 hours. The maximum cover during the policy term is limited to five times the annual Sum Assured.

Day Care Procedures: There are a number of treatments which do not require hospitalization like radiotherapy, dialysis etc which are also covered with the plan.

Pre & Post Hospitalization: Medical expenses incurred 30 days before hospitalization and 60 days post hospitalization are covered.

Maturity Benefit: The fund value will be provided on maturity

Adding Members: You can add new members like spouse or child within a set time frame.

Loans: Loans are available before the completion of five years of the policy.

Portability: After completion of five policy years, you can switch to any other IndiaFirst unit linked
plans.

Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000. You are also eligible for tax deduction under Section 80C.

Returns in IndiaFirst Money Back health Insurance
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There are a total of six funds ranging from high risk to low risk wherein you can invest your amount. If you have higher risk appetite and are for long term you can opt for aggressive fund. On the other hand, if you have limited investment period, you should go for conservative fund.
In a typical scenario, you will be able to get at least 10% return on investment. The investment risk is borne by the policyholder.

What is not covered in IndiaFirst Money Back Health Insurance?
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- Pre existing conditions till four years
- War or related activities
- Self inflicted injuries
- Abuse of intoxicant things like alcohol or drugs
- HIV, genetic disorders and related diseases
- Cosmetic treatments or plastic surgery
- Non allopathic treatments
- Dental treatments
- Mental Disorders

There are few more exclusion’s which can be verified from the policy document

What charges does IndiaFirst Money Back Health Insurance deduct and how much?
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Premium Allocation Charges: These charges are deducted as percentage of premium. Insurer deducts these charges on account of expenses incurred by the company – medical examination, policy issuance, underwriting bills. Premium allocation charge is 13% of annual premium for the first year and 2% thereafter.

Fund Management Charge: Charge is 1.35% for all funds which is deducted from the units for fund management.
Policy Administration Charge: These are monthly deductions which start from first month and are for maintaining the policy- paperwork, work force etc. The policy administration charge is 1.8% for the first year inflating at 5% per annum thereafter.

Morbidity Charge: These are charges deducted as a part of health cover provided and are recovered through cancellation of units.

Who can buy IndiaFirst Money Back Health Insurance?
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Money Health Insurance can be bought by anyone aged from 18 years to 65 years. Children above 90 days can be covered if either of the parents is covered under same policy. The health cover can be continued till the age of 75 for the insured.
Both individual and family floater plans are available in Money Back Health Insurance



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Plan Name: Health Protection Plus
Insurer: Life Insurance Corporation of India
Category: Unit Linked Health Insurance Plan
Objective: Health insurance and return on investment

LIC Health Protection Plus Plan is a health cum investment plan which provides you with a health cover as well as returns on investment. A portion of premium is directed towards health cover while the rest is used for investing in unit linked market. So you get both health cover and investment option in one plan.

LIC Health Protection Plus Benefits
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Health Cover: You have to choose the hospital cash benefit which will be paid daily on hospitalization. The Sum Assured for major surgical benefit will be 200 times the hospital cash benefit. A lump sum payment as a % of Sum Assured will be paid if insurer undergoes any of the major surgery. The lump sum payment is made regardless of the actual expenses.

Maturity Benefit: The fund value will be provided on maturity
Increasing Benefit: The initial daily benefit will increase by 5% on each policy anniversary to a maximum of 1.5 times the initial benefit.
Domiciliary Treatment Benefit: If the insured requires, he can claim amount equal to 50% of fund value to meet the medical expenses incurred.
Adding Members: You can add new members like spouse or child within a set time frame.
Flexible Premium: The premium is flexible and lowering of premium does not affect health cover and other benefits.
Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000.

What is not covered in LIC Health protection Plus?
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- Pre existing conditions
- War or related activities
- Self inflicted injuries
- Abuse of intoxicant things like alcohol or drugs
- HIV, genetic disorders and related diseases
- Cosmetic treatments or plastic surgery
- Non allopathic treatments
- Dental treatments
- Mental Disorders

There are few more exclusion’s which can be verified from the policy document

What charges does LIC Health Protection Plus deduct and how much?
--------------------------------------------------------------------------------
Premium Allocation Charges: These charges are deducted as percentage of premium. Insurer deducts these charges on account of expenses incurred by the company – medical examination, policy issuance, underwriting bills. Premium allocation charge is 30% of annual premium for the first year and 6% thereafter.

Fund Management Charge: Charge is 1.25% is deducted from the units for fund management.
Policy Administration Charge: These are monthly deductions which start from first month and are for maintaining the policy- paperwork, work force etc. The policy administration charge is INR 75 for the first year and INR 25 thereafter.

Health Insurance Charge: These are charges deducted as a part of health cover provided and are recovered through cancellation of units.

Who can buy LIC Health Protection Plus?
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Health Protection Plus can be bought by anyone aged from 18 years to 55 years. Children above 91 days can be covered if either of the parents is covered under same policy. The health cover can be continued till the age of 75 for the insured.

Both individual and family floater plans are available in Health protection Plus.
The surrender of Health Protection Plus is not allowed.

Friday, December 9, 2011

Wedding Cards - Samples

Following are the best, optimised for look and pricing:
http://www.indianweddingcard.com/3116.html
http://www.indianweddingcard.com/8920m.html
http://www.indianweddingcard.com/8715.html
http://www.indianweddingcard.com/2031.html
http://www.indianweddingcard.com/D-2477.html

Wednesday, August 10, 2011

Mattress Review and Cost in India :

Springwell, Sleepwell, Restonic, SpringCoil.
Kurlon is crap.

Springwel SpringKoil Restonic Sleepwell
78x72 35.5sq ft 35.5sq ft
9423001660 "9637877889,9921893534
8698962503"
Dreamz Mkting, Vinayak Park, Avhalwadi Road, Pune. 4- SUN SHINE AVENUE, NEAR H.D.FC. BANK,VIMAN NAGAR
5 Yr Warr 10 Yr Warr
Bonnell Spring Mattress 78x72 6 19188 14019 16805 19070 Tranquil 5 yrs Grr
8 22932 16397 22776 22510 Tranquil 5 yrs Grr
Pocketed Spring Mattress 78x72 6 24804 21276 24350 Tranquil Royale 5 yrs Grr
8 27144 24739 28000 Tranquil Royale 5 yrs Grr
Pillow-Top Mattress Bonnell 6 15911 20153
8 29952 17727 26486
Eurotop Pocketed Pocketed 6 28862 25393
Euro Top Bonnel Bonnel 6 22926 26490 Harmony 10yrsGrr
8 28618
Coir Latex Natural layer of latex is combined with thicker rubberized coir 5 26997 27440 Duet Luxury
Latex Bonnel 6 25334
Latex Pocketed 6 28862
Spine Guard Coir 5 26026

Thursday, June 16, 2011

Best Stocks to invest in 2011

ICICI BANK
LIC HOUSING FINANCE
Shriram Transport Finance
Indiabulls Financial Services

Jyoti Ltd
Petronet LNG
Linc PenandPlas
PROVOGUE
suntv
kohinoor foods
godrej consumer
geometric
yes bank
adityya birla nuvo
United Spirits
Mahindra Lifespace Developers
Dhanlaxmi Bank
IndusInd Bank

SUNPHARMA
LUPIN
DR REDDDY
ORCHID CHEM

Tuesday, May 10, 2011

Call India using UK Number

http://www.localphone.com/ways_to_connect/incoming_calls
http://www.trackitt.com/uk-discussion-forums/tier-1-general/259403209/how-to-get-uk-sim-in-india
http://techshali.com/get-a-free-uk-number-and-forward-it-to-phone-with-free-incoming/

http://www.lonelyplanet.com/thorntree/thread.jspa?threadID=1653900
http://www.qxcall.co.uk/call/international.php?country=india
http://www.vtelix.com/Incoming.html
http://www.jetnumbers.com/buy-virtual-number2&from=header
https://www.future-nine.com/A2BCustomer_UI/signup/?tariff=3

NATURAL ADABAS : Refresher NATURAL 01 - Data Areas

Natural offers two ways of programming:
Reporting Mode:

Reporting mode is only useful for the creation of adhoc reports and small programs which do not involve
complex data and/or programming constructs.
Please note that certain Natural statements are available only in reporting mode, whereas others have a
specific structure when used in reporting mode.The statements END, LOOP (or CLOSE LOOP) or SORT may be used to close a processing loop.
The LOOP statement can be used to close more than one loop, and the END statement can be used to close
all active loops. These possibilities of closing several loops with a single statement constitute a basic
difference to structured mode.
A SORT statement closes all processing loops and initiates another processing loop.

Structured Mode
Structured mode is intended for the implementation of complex applications with a clear and well-defined
program structure.As all fields to be used in a program have to be defined in one central location (instead of being
scattered all over the program, as is possible in reporting mode), overall control of the data used is
much easier.

Structured Mode:GLOBALS SM=ON
Reporting Mode:GLOBALS SM=OFF



Data Areas
Local Data Area:
You can define local data within a program.
You can define local data outside a program in a separate Natural programming object.

Global Data Area
When you build an application where multiple Natural programming objects reference a GDA, remember
that modifications to the data element definitions in the GDA affect all Natural programming objects that
reference that data area. Therefore these objects must be recompiled by using the CATALOG or STOW
command after the GDA has been modified.

Each Natural programming object can reference only one GDA; that is, a DEFINE
DATA statement must not contain more than one GLOBAL clause.

Creating and Deleting GDA Instances
The first instance of a GDA is created and initialized at runtime when the first Natural programming
object that references it starts to execute.
Once a GDA instance has been created, the data values it contains can be shared by all Natural
programming objects that reference this GDA (DEFINE DATA GLOBAL statement) and that are invoked
by a PERFORM, INPUT or FETCH statement. All objects that share a GDA instance are operating on the
same data elements.
A new GDA instance is created if the following applies:
A subprogram that references a GDA (any GDA) is invoked with a CALLNAT statement.
A subprogram that does not reference a GDA invokes a programming object that references a GDA
(any GDA).

If a new instance of a GDA is created, the current GDA instance is suspended and the data values it
contains are stacked. The subprogram then references the data values in the newly created GDA instance.
The data values in the suspended GDA instance or instances is inaccessible. A programming object only
refers to one GDA instance and cannot access any previous GDA instances. A GDA data element can only
be passed to a subprogram by defining the element as a parameter in the CALLNAT statement.
When the subprogram returns to the invoking programming object, the GDA instance it references is
deleted and the GDA instance suspended previously is resumed with its data values.a subprogram referencing a GDA cannot share the data values in a GDA
instance referenced by the invoking program. A subprogram that references the same GDA as the
invoking program creates a new instance of this GDA. The data elements defined in a GDA that is
referenced by a subprogram can, however, be shared by a subroutine or a helproutine invoked by the
subprogram.

A GDA instance and its contents is deleted if any of the following applies:
The next LOGON is performed.
Another GDA is referenced on the same level (levels are described later in this section).
A RELEASE VARIABLES statement is executed. In this case, the data values in a GDA instance are
reset either when a program at the level 1 finishes executing, or if the program invokes another
program via a FETCH or RUN statement.
You cannot use the FETCH RETURN statement to invoke another program that references a different
GDA.


Parameter Data Area
A subprogram is invoked with a CALLNAT statement. With the CALLNAT statement, parameters can be passed from the invoking object to the subprogram.