Buying an Insurance? Be Smart and Do your Homework.

by ExpertBlogger 28. April 2017 17:24

We live everyday life with ease and we always want be like that, anyone on earth don’t want their life to be disturbed with any sort of bad things. But we all know that, this is not going to happen and every now and then there are some unexpected things will happened in our lives and we should be prepare for that in every sense including mentally, physically and finically. We can control our mental and physical trauma of any event but when it comes to finance it is really not in our hand and cost of any happening would be outrages. Then it comes a magic word called Insurances.

I Just wanted to discuss is how important is to have insurance for each and every one no matter what we do and more than that how important to choose right insurance with right plan  knowing that Insurance helps us in every part of life right from medical insurance to car insurance, home or mortgage.

Now some people who are good drivers they get annoyed with paying huge amount of money in their car insurance even though they have not used this anytime in their life even government made to take the insurance mandatory, same with medical those people really don’t use it and pay high premiums.  Generally when we talk about high insurance cost for anything from car to medical it boils down to underline cost of care. In case of medical there are some people who are using their medical insurance at the peak and there are some who are just paying their premiums and not using at all, also the plans for these insurance companies are so difficult to understand that a normal person take lot of time to understand. In this situation you should consider visiting and insurance advisor and figure it out that which plan is best suited for you. Instead of paying high premiums if you get the right plan it will save you tones of money.

Similar thing applies while buying care insurance few things you can remember that if you are driving less miles then you can choose a company which gives you discount on lesser mile. Now liability insurance is compulsory in some of the state but other things are not, let say if you are driving 10 year old car for glossary shopping then there is hardly any need to get collision and comprehensive insurance because even if met with an accident then the deductible will be so high on those that you could repair your own car with that deductible and if at all if it is major one then it is not worth to put that kind of money on that old car oh unless it is vintage one.

In nutshell , Insurances are most essential part of our life but when you are choosing it please make sure that you have done your homework for last 3 years your behavior and choose the right plan and after all you get once year chance so it’s worth the time.

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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. 

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Brands!! It's not important than you

by ExpertBlogger 16. November 2016 17:54

Is this branded? Which brand?, have you heard this before yes!, I am talking about question which everyone want to say yes proudly and say the brand name, right from clothes, shoes, accessories , phones are everything you use everyday life. Somehow our social presence has been defined by the brand of cloth or accessories we use in our life, no wonder that is completely associated with the kind of money you have and everybody cannot afford to have upscale lifestyle with popular expensive brand which we use. My question is does really using branded or expensive clothes or accessories really define what you are or they are three just to brag and take an attention.

Let take a small example of kids going to the school, school can have all kind of kind coming from low or moderate income families and some from wealthy reach families. We have seen so many parent want give their kids best of everything and they buy them expensive brand cloth from ralph Lauren or shoes from Nike or some other expensive brands but they forget that there are some kids those who are coming from low to moderate income they really cannot afford to buy these kind of lifestyle, yes they still want to give best to their kids but simple they cannot. Have you ever though that what must taking those kids when they are along with kids who are wearing these famous brands and teasing them about not having it. Think of the inferiority complex these kid might face and long term effect on their mind which makes them feel dominated, I have heard some stories like kids give up going school thinking that they are embarrassed in front of other kids who are wearing very expensive branded cloth. Is this something we want to teach our kids right from their childhood? Is this the way we are creating huge valley between them and teaching those differences which we have created our self. Instead of teaching them that we all are same irrespective of anything we have. Just think.

Another point over here is , Is this branded cloths or other accessories are really worth the price they come for , why they are overprice is they want to make their brand exclusive to some class of people. I can give you another example from any corporate office and when we are dealing with another colleague in day today basis, if you entered in meeting where you are driving it and you are having best of the branded cloth, it definitely create some kind of inferiority complex in your mind which will drag you down. I must say that everybody must have gone through this once or other time.

Don’t get me wrong I am not taking that wearing or using branded things are bad but we should judge ourselves from other that what kind of brands they are using and why cannot afford it, instead go for smart shopping look for good deals and try to get what you can afford without being too crazy about comparing yourself with other on the basis of brand recognition, Also when you are buying for your kids just think once about the fellow kids who are going to join them in school.

So when you shop next time, think twice!!! What is more important? You or your brand.

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I wish life would have rewind button

by ExpertBlogger 12. August 2016 09:40

Have you thought about it?  Is this comes to your mind? Then how many time in your life you have thought like this. Believe me, you know what I am talking about, there is always situation in anybody’s life when they would have thought that I wish life could have rewind button or I wish I could go back in time and change things little bit.

As an individual every day you are going to tones of different situation , each one of these are one of its kind and always teach you something or more than you expect out of it, those can be good or bad , small or big but they happens and you have only certain time to think and make those this happen.

Just as example as a growing up kids I did not had a privileges life today’s kids when they are surrounded by eye popping gadget and just had lot of thing which keep them curious enough and busy in learning and then you think that  I wish I could rewind my life and be a kid at this time. Life goes on and on you come across some situation where you are not sure about your reaction and that moment the decision making parameter might be different according to surrounding happening at that time, but when time pass by and it adhered the negative effect on your future life then you keep thinking about the decision which  you took in past and you find out that if you could have taken other decision then thinks could have been different today , your life should have more straight forward , then you think I wish I could go back in time and just change that decision. 

But finally someone had said that “If you keep reading previous chapter then you cannot able to start new one”. Somehow that is true whatever happened in past in past and what is there in present which is in your hand, you can try to make this thing perfect. I can perfectly get that there are something which cannot be recreate or revisit even in the future because they are irreversible. You can leave those thinks and black dream of your life and just leave it.

I think the thought of rewinding life comes from our attitude and perspective towards our life, someone always like to do all thinks perfect they don’t want any anomalies, it should just happen as they have in vision it. They have some kind of anxiety and fear about going things in wrong direction. They could not focus on their life fully because of this anxiousness and that makes their life more complicated. It’s can be about relations can about carrier decision or any family decision, your fear and anxiousness ruined your present and future. These people away think about fast or future so there is less scope to think about present and focus on present, one should always think that what is important NOW not in past or not in future, if you can make your now better then future will come prefect.

Bottom line is just keep clam, believe that life does not have rewind button and you have to always open a page to read next chapter.

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