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We do not sometimes realize that we are our greatest enemy. Purchasing impulse is enjoyable, but just for the moment. It gives us great pleasure to do things in the spur of the moment, but it can cost us a lot. Saving is not a big thing, but it is to protect those savings. Here are some ways of protecting your savings. Have a separate bank account for savings Invest the money Lifestyle changes Have an impulsive shopping fund Have a separate bank account for savings Having separate bank accounts for spending and savings is a nice practice. A portion of the income can be transferred to the savings bank account at the beginning of each month. Keep the debit card securely in a locker for that account and do not frequently bring it around. People are not going to use the cash in that account by doing this. In this account have the emergency fund and use it only for emergencies. Invest the money Ther...

Life insurance companies have meticulous procedures in place to guarantee timely and smooth payment of the multiple advantages. However, did you think what happens when the policyholder does not claim an advantage when it is due? Or a situation in which the insurance company is not in a position to pay the advantages as the policyholder is reachable / untraceable, or rather a case in which the insurance company has not been notified of the life insured’s death. These may look like isolated incidents; however, you would be surprised to know that Rs 15,166.47 crore was unclaimed with 23 life insurers as of March 31, 2018, according to official data. Of this, Rs 10,509 crore was with India’s Life Insurance Corporation (LIC), and Rs 4,657.45 crore was with private insurance firms. Compared to this, the unclaimed quantity for the whole sector was Rs 4,865.81 crore for the year 2012-13. This is an annual 25 percent rise in unclaimed money from policyholders over the previous five years...

Every new vehicle you buy in India comes with the dealer’s offered insurance. While very few individuals have chosen to purchase the policy individually, most of us are getting the same from the vehicle dealer. This ensures that as soon as your drive or ride your vehicle out of the showroom, your vehicle has a valid insurance. But on the other hand, the duration of these policies is limited. You generally get a motor insurance from your dealer for only one year. You have to renew it on time to continue to benefit from motor insurance characteristics and advantages. For two main reasons, it is very essential to renew the policy on time. When all cars are on Indian roads, the Motor Vehicle Act of 1988 requires them to have a valid insurance. Second, you will miss out on a few advantages and characteristics if you do not renew your policy on time. Firstly, you will end up paying for any damages or reparations if your car is accidental during the period if you do not renew this po...

Time to know this, with 32 lakh debit cards in India being compromised! There are many websites that use HTTP. Back in 2014, Google recommended switching sites to HTTPS. Until then, using HTTPS was really bothered only by sites with e-commerce pages. Google announced that it would provide HTTPS sites with a minor ranking bump as an incentive to switch over, effectively punishing sites that did not switch over by giving an advantage to rivals that did. Now you’re probably wondering – why is it so important that you switch over to HTTPS? Is it really worth the hassle to do so? What is the difference between HTTP and HTTPS? Will using one over the other affect your SEO efforts at all? The following guide will break everything down for you, not only answer these common questions but giving you a much better understanding of HTTP vs HTTPS in general. What Is HTTP? HTTP stands for Hypertext Transfer Protocol.  It allows communication between different systems in ...

Retirement is inevitable and for everyone it is an important reality. Even after you retire, you will continue to live a regular life. Therefore, the expenses do not escape your post-retirement life. After that, they will occur. Because of this truth, to meet the daily expenses you need a retirement plan. Early retirement planning gives you the chance to spend a better lifestyle on the golden years of post-retirement life. Early planning keeps you financially independent from the daily costs and medical expenses that may occur as you grow older. Careful retirement planning can assist you reassure yourself. PolicyX is an internet portal that helps you transform your life savings into a periodic source of revenue for a lifetime by making the best comparisons between annuity plans. If you are looking for the right pension plan after you have stopped working, you are in the right place. We have produced the list of Ten Best Pension Plans in India that are best suited for people lo...

LIC’s Jeevan Tarun is one scheme that can provide you with a restricted pay choice to secure the future of your child. It is an optimal investment plan to secure the future of your child against life’s hardships LIC Jeevan Tarun provides a few money back and maturity advantages decisions. Whether it’s education, marriage or some other reason to exist, Jeevan Tarun from LIC ensures your next generation doesn’t have to face any economic issues. The scheme provides wide integration of hazard, with a partial-pay option, where the range of premium payment term is shorter than the maturity period of the policy. Some of LIC Jeevan Tarun‘s Best Features are : Limited premium payment It states that it will be necessary to pay the premium quantities until the child reaches the age of 20 years ; the policy will be regarded to have evolved once your baby reaches the age of 25 years. This is an ideal option for individuals who are concerned about their term investment plans and ...

Diversification of the portfolio is the key to a moderate equity investor and a moderate risk profile must be taken into account. It is possible to consider multi-cap and diversified equity funds for the same purpose. Everyone wants to create a corpus that can be used to fulfill dreams or to overcome economic emergencies. Keeping this in mind, everyone seeks at strategically investing in order to reap beautiful advantages for them. Some of you may have the idea that mutual fund investment is a dangerous affair. But that’s not completely true. Indeed, there are countless choices in mutual funds such as equity, debt fund, and balance fund, all depending on the investor’s requirements and risk appetite. All these systems of mutual funds give yields based on the related risk factor. The capital market is like a sweet store, complete of arrangements for mutual funds, with sweets according to the appetite of everybody. In this article, for a moderate equity investor, we will understand...