Skip to main content

कम बोलने वाले लोगों की आठ खूबियां क्या हैं?

1. ऐसे लोग बहुत ही ज्यादा समझदार होते हैं क्योंकि यह लोग केवल उतनी ही बात बोलते हैं जितनी की आवश्यकता है 2. आप ऐसे लोगों से अपनी राज की बात भी कर सकते हैं क्योंकि यह लोग किसी को कोई बात नहीं बताते। 3. ऐसे लोगों को समझना थोड़ा कठिन होता है पर यह लोग दिल के काफी ज्यादा अच्छे और सच्चे होते हैं। 4. ऐसे लोग अपने जीवन का बहुत बड़ा समय केवल अपने लक्ष्य की ओर ही लगा देते हैं। 5. कम बोलने वाले लोग ज्यादा सफल होते हैं क्योंकि इनके आसपास डिस्ट्रक्शन( ध्यान भटकाने वाले लोग) कम होती है। 6. कम बोलने वाले लोगों के अपने परिवार के साथ संबंध बहुत अच्छे होते हैं। 7. कम बोलने वाले लोगों की एक बहुत अच्छी बात यह है कि वह केवल सच ही बोलते हैं। 8. कम बोलने वाले लोग अपने दोस्त कम बनाते हैं परंतु जितने भी बनाते हैं सच्चे बनाते हैं Source: Sumit Gautam


* indicates required

You can Translate article here

What is the difference between term insurance, life insurance and health insurance?

There is a lot of confusion when it comes to insurance. Some people think that insurance is all about LIC in India. This is similar to Maggie which is a noodle but we don’t say that we want noodles. We say that we want Maggie. That’s the result of great marketing

So, let’s try to clear the confusion (and bust some myths) about “insurance” in India.

Insurance is broadly classified into the following categories:

  1. Life Insurance
  2. Health Insurance
  3. Auto Insurance
  4. Property Insurance

In this answer, we will discuss life insurance and health insurance.

Life Insurance: Let’s say you have a family of 4 with a wife and 2 children. You have a home loan of 40 lakh and your wife is a homemaker. It means you are the only bread earner in the family. Your kids are 5 and 7 years old. You have a total investment of 10 lakh in FD, mutual funds, etc.

Unfortunately, if something happens to you then-

  • Who will provide financial security to your family? Will 10 lakhs be enough?
  • Who will pay the home loan EMI?
  • Who will provide the education to your children?
  • Who will feed your family?

That’s exactly the reason why we need life insurance. To make sure that tomorrow if something happens to us, our dependents do not have to worry about money.

However, unfortunately, Insurance has become a business where companies are fooling people just for the sake of profit. Today, most of the people in India are trapped in such bad insurance products.

How do you know if the insurance is good or bad?

If the insurance is purely to provide financial comfort to the family after the death of the insurer, then it is a good product. These products are called Term Plans.

Wait…what will happen if nothing happens to you till a certain age? The money is lost, right?

What if there is an insurance product that provides financial support to the family in case of death and also provides a return in case nothing happens after a certain age? That’s a win-win situation, right?


This is exactly the reason why people fall into the trap of insurance products where they end up mixing insurance and investment. Such products are called endowment plans, ULIP plans, etc. They provide both options of financial support in case of death as well as returns if nothing happens until a certain age.

Corporates would come up with a various product name like Jeevan Anand, Jeevan Rakshak, Money Back, etc. but either they are term plan or endowment plan or ULIPs. But all products are bad except term plans.

But why are they bad?

The reason in the “Annual Premium”. Companies are not doing any charity by giving multiple benefits. They compensate for this by charging very high premiums. The premiums are so high that if you try to calculate the annual return
(which very few people know how to do it) you will realize that the returns are even lower than FD. The reason is due to multiple levels of commissions including the insurance agent commission and company’s own commission. No wonder why LIC is such a big company today.

Moreover, the insurance agent is motivated to sell products which give a higher commission. The agent is not motivated to sell term plans because they provide very low commission due to lower annual premiums. That’s not good for you.

Some people would say that ULIP’s are good as the returns are linked with the market and provide higher returns than FD. I would say that ULIP’s are still bad. This is because the returns of ULIP’s are much lower than mutual funds.

When what should you do?

Take a term plan for life insurance and invest the rest of the money in various other options like mutual funds, FD, PPF, etc.

Conclusion: Life insurance is very important but only the term plan is good. Rest of the endowment plans and ULIP plans are money-making instruments for the corporates. Never mix insurance and investment. In fact, you don’t even need an agent to buy a term plan. You can directly go the website of term plan providers and opt for the best term plan. (You can read this answer to know how to select a good term plan).

Let’s discuss health insurance with the same example.

Let’s say you have a family of 4 with a wife and 2 children. You have a home loan of 40 lakh and your wife is a homemaker. It means you are the only bread earner in the family. Your kids are 5 and 7 years old. You have a total investment of 10 lakh in FD, mutual funds, etc.

Tomorrow, if you fall sick or met with an accident (life is unpredictable) and you end up with hospitalization for few days with a total bill of 1.5 lakh including operation. In this case, how are you going to pay the bill? Are you going to break your investment? You might have been saving and investing to buy a car or save for child education or retirement. That would directly impact your financial goals.

A lot of people end up breaking their investment or even borrow money from friends or relatives. That’s sad, isn’t it? In fact, healthcare cost is ever increasing. A small health problem could literally wipe out all your savings.

How to avoid this situation?

Opt for medical/health insurance which provides health coverage to your entire family. In fact, the facilities of health insurance are so good that you don’t even need to pay any upfront money. They have a tie-up with major hospitals and everything goes cashless. No headache of arranging the funds. (I hope you always stay healthy and don’t have to deal with this.)

Conclusion: Opt for good health insurance and avoid unexpected expenses due to health issues.

I hope this answer helps in getting a good picture of various insurance terminologies and what is important and more importantly- what to avoid.


Source : Sahil Bhadviya


Popular Posts of the Week

How to reach Meerut Institute of Technology ,NH-58, BARAL Partapur, bypass road, meerut, up-250103

Hello Friends Today i will tell you about a exam center- MIT Meerut NH-58, BARAL Partapur, bypass road, meerut, up-250103 So without wasting time lets start the route process:  Exam centre is located towards bypass road meerut, so if you are from meerut then you have to come outside of meerut towards modinagar.  But i will be telling you the path from Delhi.  1. If you are from Delhi, then you should reach Anand Vihar Metro station/Railway Station/Bus Stand.  2. After coming out of Anand Vihar metro station, just cross the road and come to  Kaushambi Bus stand (you can easily reach by help of locals or google maps).  3. Due to unavailability of other resources, currently bus route from Kaushambi to Meerut will suit all aspirants to reach exam centre (may be in future metro route will be available)  4. Bus will directly drop you on the gate of exam centre, so just tell conductor to inform you before reaching there or you can take help of Google map to keep track of the route


On 16th January 2015, New year will be super thrilling as Bipasha Basu is coming with her new movie "Alone" which looks another superb horror movie of Bollywood . Alone Movie Poster The trailer has come out and looking very scary and wonderful and by the trailer it looks like that the movie is based on two sisters who are joint with their bodies but after a operation one of them died and turn into evil.

Why some indians don't want to grow up ?

Hello Friends, Recently a news has come from West Bengal, India that a 20 years old girl was gang raped by Panchayat orders.The girl got this punishment because she loved a boy of different community. And you will be shocked to hear that some of senior members of girl's community ordered 12-13 men to rape that girl whole night, that is totally disgusting work by these half minded old people.Parents of that girl filed FIR against those men and lover of that girl,according to police. But my focus is on this that-"Why all this shit can happen in 21st century or how it can be possible ?" Recently i have read many orders by these khaap panchayats in newspaper where they ordered rape victim girl to marry accused etc. But i just want to ask those people :  1. If you can't do anything for girl's protection,then who give you the right to hand over the protection of a victim girl to same man who has already sexually abused her. 2.If a man

R.I.P Phillip hughes :(

Hello Friends, On 27th November 2014, Australian cricketer Phillip Hughes Died to major head injury caused by a rising bouncer in a regional cricket match. Ball struck directly on his neck and he felt exhausted at that time but in couple of minutes he felled down on the pitch and lost his consciousness which was never regained. It was such a disappointing moment in cricket and all the cricket fraternity are in really shock.They showed their condolences to phillip and his family. Phillip was at 63* not out when this unfortunate act happened to him.


Tonight I have watched another hollywood movie but this time it was a comedy plus emotional movie "Ted". The story mainly moves around two best friends John and Ted (a small teddy bear) with John's girlfriend Lori. When John was a 8 years old child then he made a wish to God to give life to a teddy bear toy and on next morning his wish got true and teddy got alive. Since then they used to live together with each other. Now John is 35 years old workless man with a employed girlfriend Lori and a popular Ted. Lori doesn't like the present condition of John because he used to spend lots of his time with Ted without doing any kind of Job.    by    Evian Tsai   So one day she asked him to move out Ted to different house, so for the sake of their relationship John shifted Ted to a new house. John also promised her not to meet Ted again but his friendship comes again and again. After several warning Lori breaks up with John (because John again meets Ted by leaving Lori in a p

Controversial tweets of Singer Abhijeet and Designer Farah Ali Khan

Recently Bollywood superstar Salman Khan got the punishment of 5 years jail from Mumbai high court in drunk and drive case. So all the Bollywood fraternity along with fans were very sad about this judgement. abhijeet  and Farah Ali Khan But some of celebrities crossed their limits and used harsh language about the roadside sleeping people. It created a huge controversy as Singer Abhijeet compare those people with dogs and Farah Ali khan also compare salman as train driver who killed the people sleeping on the tracks. 

Nasa Team reaches to Pluto

On 14th July 2015, NASA team reaches to the smallest planet Pluto. Its a big day for all the aeronautical enthusiasts as it can lead to new research and discovery in future time. New Horizon measurements reveal Pluto is roughly two-thirds the size of the moon, and probably holds more ice beneath its surface than previously thought. Source: Nasa Source :Nasa A  Nasa spacecraft  that hurtles past Pluto on Tuesday at more than 45,000 kilometres per hour has revealed the dwarf planet to be larger than scientists thought.

Who should join Pvt. Ltd.

Friends, Today i will tell about private government registered company ebiz Ebiz Company was founded by Dr.Pawan Malhan,in taking view of providing free computer education for some courses. Premium price-9556 Rs/- But this company is totally look like a marketing company who sells its computer education products via their associates to give them commission on selling that product. It totally distract associates to get computer education and they totally focus on selling that product. In my view people should join if: 1.They are totally free to attend their meetings in almost every sunday. 2.They have Desire to earn money with less time or means legal short cut money. 3.They have Lots of friend to bring in their meetings. 4.They are from rich families to waste their money if can't get success. 5.Having good knowledge of laws because if there is shortcut money then there will be risk also involve in that. 6.Having good skills of tellin

Past Trending Posts