Think about your insurance, It's Important!!

by ExpertBlogger 12. August 2017 14:16

Some scholar has said that Health is wealth and all of us like to be healthy, wealthy and wise. However, life is unpredictable and it often throws a curve ball at you and suddenly a normal life style translates into a spree of visits to the healthcare centers, a tedious regime of having medicines and the feeling of anxiety each time the visit is made to the physician. Health hazards are inevitable and in today’s times they lead to some serious outflow of money if a proper health insurance policy is not in place. A good health insurance plan acts as a cover during the difficult times when the raging costs of medical care poses financial crisis towards an individual and his/her family. With stupendous development in the technology, the health care has also advanced to match that, however a good healthcare for all kind of ailments which include the life threatening ones as well isn’t so easily accessible yet. The quality treatments and procedures for complex diseases and are still unaffordable by a major chunk of people.

In order to combat this challenge and to cater healthcare to every individual which is the right of every human being Affordable Care Act popularly known as Obamacare was chalked out and executed in America during Obama administration. It clearly cites the importance of a good and quality treatment given to the citizens irrespective of any caste, creed, and gender or class discrimination. Some of the highlights of the controversial ACA are healthcare with gender discrimination, increased cover for individuals, saving the individuals from the unfair costs incurred by insurance companies, providing the healthcare to kids and to larger states of America etc. The ACA bill has made a strong statement throughout the world for the compelling need of robust and effective health policies to be implemented and it’s more of a State’s affair than an individual’s. In developing countries like India health insurance companies have penetrated the market , however they still have a long way to go , as a major chunk of society that includes the people living at or below the poverty line still are unaware of the importance of health insurance and they do not bother to seek one too. The people that belong to middle class and upper middle class sections have become aware and also they buy the medical cover too. In the nineties era buying a health insurance was more of a rich’s affair and a luxury, however with the advent of unhealthy lifestyle and globalization this has become more of a compulsion now. The ease of cashless benefits, appropriate and timely treatment and the reimbursement of the charges incurred irrespective of one’s financial condition. Uninsured people have higher probability of dying due to poor health results than the people who are insured and have medical covers. The uncertainty of situations have led the employers to give a medical cover to their employees in the circumstances where they or any of their family member gets into a medical problem. The follow up medical provisions also become accessible without any hassle. Health hazards are irrespective of age and apart from casualties there are chronic diseases especially noticed in youngsters these days due to pollution, stress, unbalanced diet and sedentary lifestyle.

Health covers are carefully designed to cater to every age group and patients with exceptional needs as well. Getting a policy done at an early has its benefits in form of low premium costs, less waiting period, better coverage and quick renewal. The government of states have started promoting health covers in order to provide good health care to the citizens under unexpected conditions. To combat medical emergencies and to avail better care at the affordable costs, should be the aim of every health plan worldwide. The private and government companies both have a large market in the health insurance sector. The providers and the companies have direct tie up and this has yielded a convenient channel for the insurers to get everything without any manual intervention.

Health insurance is the major breakthrough in the healthcare industry now-a-days due to uncalled for situations and newer medical conditions. Every individual should rightfully be insured and he/she should do this at an early age and for everyone in the family.

Thinking about Investments? time to be serious!!

by ExpertBlogger 20. March 2017 12:16

It was normal day as usual and I read something on social media it was kind of funny but stuck in my mind somebody has wrote that, education, carrier, kids , progress, big house big dreams , who the hell discovered this , weren’t we happy in caves eating roots and staying happily with family , I laughed and told my wife , these people are crazy their thinking is beyond our imagination this was one side of thinking for that day but later somebody came to me and started discussing about the investments and securing your future when you grow older and suddenly  I started feeling that I am already old.

Oh my god, I am getting older and I have not planned my future yet. Is it too late, what should I do? Where should I invest? Who should I see? These question ghosted me as lighting strike the tree. I started running like chicken without head and asking bunch of question to everyone. Then I realize that nothing going to change overnight and there is never too late for anything, first I just have to relax and take a good finance advice. Now I don’t have that kind of money that I need any professional financial adviser but researching about knowing that where can I grow my money without risking my future is worth a try.

I am not always good at managing my money, I know fitty percentage of people are like me, oh my look I started talking about percentage and stuff. No , but on serious node everybody should be aware of some sort of investments that could be anything which will encourage you to save and use that money for some good purpose like kids college education or marriage and may be your long waited dream to have world tour.

Many people want to see their money every day because they feel that what if I need that money tomorrow, that means they always want money to be liquid but liquid money is dead money it does not generate any return, you can do CD’s but again those percentage and not that big you are just sitting on money which value is getting deprecated day by day. You need to understand that people are multiplying their money and on other hand you have holding your money for yourself.

You can choose any path of investing but any little investment you do it do is going to grow much bigger in future , it could be stock market, mutual funds, housing market, land or even in any startup company. Easiest way to put your money in mutual funds because you have low risk low income but your investments will always has the touch of market, instead we always wait for right time.

Believe me there are some people who are doing trading and stock investment for living but off Course you will not able to do it because it needs lots of research and it’s a full time job, but what you can do it have your money as Systematic investment plan which will invest your money over the long period and you get opportunity to invest in every tread of market up down.

So have you invested yet?? But waiting for good time. 

Media & News , Open your eyes

by ExpertBlogger 15. February 2017 10:30

We live everyday life with our friends and family and we are pretty busy in what we are doing day today life, we always have priorities for work, family, kids and our hobbies but in between these we are also prompt about the everyday news around us, that could be our local news which tells you what is happening in your town or national news about politicizes, spots and other things. Back in days people were have to relays on newspapers to get these news delivered to their house but now a days new papers in kind of disappeared, I hardly remember last time I have had read the new paper now a days every this is on new channel, we are totally depend of news channel for our day today news that are not limited to your local city of state but national and international news.

News

Now is the big dilemma in everybody’s mind in there are quite a few different kind of news channels and when one news has been broadcasted via one new channel and other news from other news channel what is the credibly for their information, what the truth and what is made up there is always a speculation that these kind of things are  happening around us, if you look at any film or tv series there is a censor board and it decide that what is good or bad or at least rate them depending on the content of the film that which age group is allowed to watch. In terms of new channels there is not such cerserhip of anybody who is looking on them. 

This is for sure that each and every news channel is here for making money and straightforward logic is how to you make more money? and only answer is to get as many as people to watch your news channel and what you need to do is show any sensational news were people are interested. Now the normal news which people want to know are not sensational then they have make those news sensational in order to get many people to come to their news channel to watch those.

In all the nobody bothers about the authencity of news there are broadcasting , nobody bother about the consequence to anybody’s life or effect on society , if you are looking at the political news the it has been clearly noticed that each and every news channel as political connection and they show the news which are biased to the particular political party and their views, they will always tried to sabatise the image of another party in order to get popularity of particular political party and these political parties has tones of money to get hold of popular news channel and convey their message in way they want to convey. In my view if any news channel showcase any unbiased news then it will be not popular because they will not have any sensational content and eventually it will sunset of that channel.

If you look around this is going in round robin fashion, powerful political parties has more money has more new channel in their hand and they use this media and news to get more popularity and make more money to again pump into news in media and this is never ending.

Is there any time when we will have somebody who can look at all these new channels and give them strict restrictive guideline line to follow their noble profession of journalism , till that thing happened you keep your eye and ear open and think before you believe on any news you read or see or hear.

New Year - It's time to reset!!!

by ExpertBlogger 5. January 2017 11:50

New year started and everyone is talking about new year resolution, some have made someone has not but the part of this more interesting is it is new year and you have got chance to reset your clock on many things, I am talking about personal and professional things also other things like your tax year changed and now you have plan your taxes again, your insurance year change to you have to plan for your medical expenses. You employment year changes to you have chances to make in additional changes you desire.

Sometime I think that all these resets in life has been mandatory by government or by agency but for our mind or our thinking do we have any reset switch which we can turn off and on and say that on now start from here and forget about what happened in past and then from now on you have new dues to pay and past due to achieve. In reality we finality does not do anything like this we go through tuff time every year and our worries and hard feeling keep accumulating in our mind just like the dirt and mess got accumulates in the sink pipe, over time there is not space to run the water and it just bubbles back to the surface, what is need in reset or clean and let water flow as pervious. 

Our mind is millions and billions of memories and neuron connection which our brain makes knowingly or unknowingly, over time we have control on our mind which to keep it for long term and which is to erase of. Now you can erase of things easily but if we make use of this New Year and reset our switch on our body and erase of all the bad memories of last year, remove the bad feeling about someone, forget about wrong decisions you made in last year and just start everything with clean sheet again. Meet new people, make new mistakes, and earn new opportunities.

I know this is hard to reset on everything but as I have observed that every time you need to do something it need just one trigger and when someone pulls that trigger even it is small , it just start the flow then it increase and then it just happen , only it needs is that one little trigger. Then what is the harm to be new year on that date Jan 1 is to be your trigger for your mind and tell mind that hey start resetting my body and clean my thoughts, It will not work right away this year but at least the flow will get started and year by year your mind and brain will get train to flush himself and reset thought to clean sheet where there is plenty of space with no clogs.

So!!! what you are waiting for hit that reset switch and flush your mind.

Holiday with family

by ExpertBlogger 2. December 2016 16:52

Family such a nice word, it puts smile on anyone's face but in reality but when someone does have family then only that person can know the importance of being a part of family; especially when there are holidays or some kind of ceremony.

This is story of Tina, Tina has been raised in the pretty decent family but since she grew up she started going in the college at different town than her family. On every vacation she use to visit her family and enjoy time with them. Initially she used to visit her family at least once in 2 month but as she got busy with her schedule that difference got bigger and she could able to make it as pervious. Everything was going well, her family was also got busy with their work and they started to have miscommunication between them.

One day Tina’s mother got sick and her father informed about that to Tina, it was month of April and Tina was studying for final exams, her sister was also away on business tour so she could not able to make it. Looking at this situation Tina decided to go and meet parent, she called her sister to ask that if she can make it, her sister finally agreed and Tina told her that she will pick up her at her office and then they will drive to their parent place.

After finishing her exam Tina got her car out, she called her sister saying she will pick up her in one hour. She dress casually and took some cloth to stay over along with some snacks from neagioring store. She reached to her sister place and picked her up, it was long time since he had seen her sister. They were best buddies of the house but now with every body’s life they really don’t get much time to see each other.

There journey started around 6 in the evening it was 7 hrs. ride back home, they both were excited to go home but there was a loneness in between them. They were hardly had any topic to talk upon. To break the ice Tina started with topic with praising her top and it also ended in few minutes. When they were quite for a hour they both realized that this is insane , one time best buddies when the talks was not ending for hours and hours , they were having so much to share about themselves now landed in the situation that they hardly can communicate . Tina’s sister started talking about their childhood and slowly they started open up and started communicated. It was dinner time and Tina asked her sister that she would like to pick up something or eat on the go. Tina’s sister talk her that she will happy if they can go to restaurant and have their dinner.

They found one decent restaurant and they settled down, they were about to order and Tina’s phone rang…..   

                                                                                                                 To be continued…………