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At the time when the Indian Govt. has finally realized the importance of healthcare, let us go over the necessity of the hour to unleash the vitality of healthcare services in the country. The nation with over 1.5 billion people, it is true to provide quality medical services to the people, but did we ever take any steps to provide even the basic infrastructure for the common man? Millions of death in the nation has occurred due to ignorance. Common man has been deprived of free basic medical facilities. With over 15-20% of the population still below the poverty line, providing the basic infrastructure is the biggest challenge of the Govt. and this Govt. has ensured the necessity of it and has come up with a wonderful plan to cover over 0.5 billion people providing them with basic amenities. The current budget has a lot to go with the massive allocation of funds in this sector. For sure this sector is going to grow rapidly in the next 5 years. Lot of investment in the healthcare ...

Some say “Better late than never”, while others believe “What’s the point when everything is lost?”. This budget by NDA puts them in people’s minds to make them feel that they are important, but is it too little too late? Common man had seen insurmountable difficulties in the name of #GST and #DeMo. Farmers were battling hard to survive in this market. Education and health care were over looked so far. Has the Govt. finally reacted? Has the Govt. realized its mistake on ignoring the needs of the hour. A look at the budget in a neutral perspective. Agriculture – The first thing that comes to my mind is the farmers. They have been so far neglected and have been facing lots of issues with respect to pricing. Finally the Govt. has started noticing the importance of them (especially after the Gujarat mandate). A massive boost to them in terms of improvement in pricing and assurance from the Govt. on offering the increased price. Separate welfare schemes for village and rural infrast...

LIC has been in the insurance field over the last 60 years providing life insurance for over 30 crore customers in India. They have been coming up with schemes according to the taste and trend. They have been the primary investment provider to the Govt of India on various development projects. A look into why they have been the best when compared to their competitors., Asset.They have huge assets with them. Over 30 crore customers have taken LIC policy making them the biggest asset holder in the country. Brand. A Govt organization which is truly rely on their words everyone can believe in. Trustworthy. Returns. They provide 6.5-7% guaranteed returns on schemes running over 20-25 years which is not possible by any other insurer. banks themselves rely on continuous monetary policy adopted by RBI and frequently change their interest rates. Banks that provided 9-9.5% interest rates a decade ago now offer only 7% whereas LIC assured guaranteed returns. Claim settlement. Policies ...

Many of the past leaders had talked about the Mission 2020 -  A fully developed nation. As we are just 3 years away from that milestone, have we really progressed towards that and is it possible to achieve that within the balance term available? We have voted for a change, for a better India. We invested our faith on BJP and believed in Modi. Around 3 years have passed by. Did we get what we dreamt of? What we got so far : Rural areas have been connected with Internet. Service providers like Airtel, Reliance have increased their traffic and networks are now available in rural areas. The Telecom sector which was beaten down over the last decade has improved significantly in the last 3 years. LPG subsidy has been waived by 1 crore people enabling poor and needy to get the benefits. Clean India movement has started enabling fellow citizens to feel the necessity of having a clean India. Bank Accounts for all. Even the poor has opened bank accounts making them feel...

This post explains my experience on entry tinto the indian stock markets. This can guide you in a way to avoid the frequently committed mistakes when one enters into the big bash of trading. The trap I fell into was looking into the past trends of stocks (say a year) and their returns. Most of the stocks were penny stocks which yielded around 200% returns in the last 1 year but they were purely operator driven. When entering into stock market investing you should do more research on the current events. Especially the US currency and US stock markets which drive the globals stock trend. After that you should look for large cap stocks (say asset with 50000 crore Rs). Banks and Pharma stocks can be bought initially since these 2 sectors favorable offer good returns if invested for 1-2 years. Don't fall into the trap of making quick money and invest in penny stocks (say asset with 30-500 crores). These will be company/oprator driven and wont give you a favorable return. If ...

Having a financially balanced life may seem more difficult these days due to inflation and the living cost having gone northwards. However everybody wants a peaceful balanced life. We can follow the below technique towards achieving that. We ought to save around 40% of our total income towards achieving a financially balanced life. For example, if a person earns 1 lakh per month below is the breakup., 5% of savings towards health insurance                 - Rs. 5000  per month 5% of savings towards life   insurance                 - Rs. 5000  per month 5% of savings towards mutual funds                     - Rs. 5000  per month 5% of savings towards stock markets                   - Rs. 5000  per month 5% of savings towards GOLD             ...

In this fast moving world, where people often tend to follow an unhealthy lifestyle, end up with issues which need medical intervention. The places which are highly crowded these days are hospitals and pharmacies. They become addicted to tablets. In this unfriendly environment bound to unexpected events, we might need a plan to take care of our medical expenses. Taking a Health insurance policy (preferably with the New India Assurance company) might offer a better solution. By taking a health insurance policy for around 5-10 lacs sum assured will save our family from unwanted threats. Just in case if we or any of our family member falls sick and needs medical treatment for more than a day @ hospital, this policy can save the purpose. We dont need to arrange for a huge sum in a short span of time thereby avoiding debt. Securing our family's health should be the first step in any activity of savings. Around 10% of the savings amount should be targeted towards buying a healt...