Insurance is most important parts in human life. Lots of people gets benefit from insurance. Sometimes Government also make the insurance mandatory like Car Insurance is mandatory in India. Below we mentioned the details of reason to insure you,yourself, you family,your health,your house, your mobile, your household equipment,your car etc.

Why You Should Buy Insurance:

• Insurance is the way to minimise the risk
• Insurance is the cost effective way to take care of damage or loss
• Life insurance will save your family
• Car insurance will protect your car from accidental damage or theft
• Home Insurance will project your home against fire or theft
• Health insurance will save life in needs
• Trade insurance will protect your business from fire & theft
• You can even insure your body parts
• You need to pay nominal cost & get protection from huge damage

How You Should Buy Insurance Policy:

• You should properly read your Insurance policy papers
• You must compare insurance between different insurance company
• Your should take insurance according to your need only

Airtel – The Leading Telecommunication provided by bharti airtel limited is very popular mobile service provider in India. Airtel provide various type of SMS Offer & offer the SMS Pack to send bulk sms to friends. But Airtel does not provide any discount on SMS Blackout days. No SMS offer will be applicable on those SMS Blackout Day.

Below we provide the new updated list of SMS Blackout Day 2012. Please check it & avaoid to send bulk SMS on that day & save your money.

New Airtel SMS Blackout Day 2012 List:

• 1st January 2012,
• 14th February Valentines Day 2012,
• 5th August Friendship Day 2012
• 13th November Diwali 2012
• 31st December 2012

SMS Charge In The Airtel SMS Blackout Day 2012:

• Rs 1 For Every Local SMS Sent
• Rs 1.5 For Every National SMS Sent
• Rs 5 For Every International SMS Sent

Term Insurance is currently not popular in India. But all insurance advisor know that term insurance is the best insurance plan to cover all type of risk. Term insurance is a pure insurance plan to just cover your risk. Term insurance will not provide any return on maturity.

Why You Choose Term Insurance:

• Term Insurance is the best plan to cover your life risk
• Annual premium is much lower than all other type of insurance plan
• Risk Cover is much higher in compare with other investment plus insurance plan
• Term insurance plan is to cover your risk & you can invest separately

How To Get Rich Using Term Insurance Plan:

Suppose you need to cover Rs 500000 for 26 years. If you pay Rs 18000 annually in LIC Endowment plan No 14,your risk cover will be Rs 500000 & retun on maturity will be Rs 1400000.
Now you invest only Rs 1500 annually in LIC Term insurance plan & can get risk cover of Rs 500000 for 26 years. Rest Rs 16500 ( annually) invest in Bank fixed deposit @9.25 interest for 26 years recurring plan. your return will be Rs 1771281 after 26 years.

It means, you will get rich by Rs 371281.

Best Feature Of Term Insurance Plan:

• You need not to pay additional premium
• Annual premium rate is very less
• You can enjoy risk cover by also paying single premium
• You can earn lots more money by bank fixed deposit instead of paying in Investment related insurance plan

Money is most important & valuable parts in our life. You can save your money easily. Saving money is similar with the earning money.

13 Way To Save Your Money:

• Plan your monthly expense in advance & expense accordingly
• Avoid the branded garments.Opt for the cheaper product for garments,shoe,detergent,everyday use able products etc
• Buy the branded electronic goods to save money for maintaince
• Try local Cable operator with set top box & save money from high cost DTH operator
• Take care of your health which will certainly lower the medical cost
• Save Electricity & Water to lower the electric bill
• Stop Smoking & Drinking will save your money & health
• Use Cycle instead of Bike will save fuel & money
• If you have self control,you can use credit card & earn interest free purchase upto 50 days. You can earn interest for bank deposit for the same amount
• Engage your family in cost cutting & saving drive. Enjoy the saved money.
• Use the public vehicle & avoid own car. Save your money & save world from polution
• Buy only item or product you required
• Use less mobile & save your money

Tata Teleservices recently switched it’s Tata Indicom Brandname to TATA Docomo CDMA. Tata Indicom currently only available for Delhi customer. Other Tata Indicom customer authomatically switched over from Tata Indicom to TATA Docomo CDMA customer.

But Tata Indicom prepaid customer recently faced problem in recharge. No outlet currently provide Tata Indicom recharge & also e Recharge option is currently not working. While selecting online recharge option in either in Tata Docomo CDMA online recharge or Tata Indicom online recharge page, page showing error of Invalid number. Tata Indicom customer can never able to recharge their prepaid mobile using Online recharge option. This create a outrage among Tata Indicom customer.

How To Recharge TATA Docomo CDMA Mobile:

• Just find the shop having Tata Indicom old recharge card
• Recharge your prepaid TATA Docomo CDMA Mobile ( Previously Tata Indicom ) using that recharge card
• Currently this is the only option to recharge your TATA Docomo CDMA Mobile ( Previously Tata Indicom )

Max New York Life Flexi Fortune Plan is the current bext plan provide by Max New York Life Insurance.You can invest your money in this plan to achieve big return.

Max New York Life Flexi Fortune Plan Features:

• It provide Protection against market volatility with the Systematic Transfer Plan (STP)
• Allow partial withdrawals
• The sum assured get increased every month
• Allow customer to choose policy tenure,premium,life cover
• A most fexible plan for customer
• Allow the premium payment through ECS mode

Max New York Life Growth Plan Premium Rate:

• Click here to know about the Max New York Life Growth Plan Premium Rate

Max New York Life Flexi Fortune Plan Policy Term:

• Max New York Life Flexi Fortune Plan Policy Term may be between 10/15/20 years

Max New York Life Flexi Fortune Plan Minimum Annual Premium:

• Rs 36000 while payment through Semi Annual Mode
• Rs 24000 while payment through monthly mode
• Rs 50000 while payment through annual mode

Max New York Life Flexi Fortune Plan Maximum Annual Premium:

• Rs 100000 is the yearly maximum premium amount

Tax Saving Fixed Deposit is currently the best way out to save your Tax. It is also the wise decision to deposit in the Bank.Your saving will be tension free & return is also guaranteed. You may wish to avail monthly/Quarterly/Half Yearly interest payout from your Tax Saving Fixed Deposit.

Below we specify the most important terms & conditions about this Tax Saving Fixed Deposit.

Tax Saving Fixed Deposit Specification:

• Tax benefits under section 80C of Income Tax Act
• Minimum Deposit: Rs. 1,000/- or multiples thereof ( Depends upon Bank)
• Maximum Deposit: Not exceeding Rs. 1,00,000/- in a year
• Tenure: Minimum: 5 years – Maximum: 10 years
• Premature withdrawal not permitted before the expiry of five years from the date of issue
• Nomination facility available for this Tax Saving Fixed Deposit
• Loan is available against this fixed deposit
• Rate of interest is good. Click here to check interest rate.

Now it is easy & wise decision to Save Your Income Tax. Inflation is too high currently. Your investment can save India from inflation.
According to the Income Tax Rule 80C, you can save your Income Tax while investing in  Bank Term Deposit with 5 Year locking period.This is the most innovative & best way to save your Income Tax. You can also earn monthly or periodic interest from the fixed deposit.

Interest Rate In Tax Saving Fixed Deposit:

The interest rate is different from one Bank to another Bank. Below we mention details of interest rate for different bank.

• ICICI Bank Interest Rate In Tax Saving Fixed Deposit: 8.75%
• HDFC Bank Interest Rate In Tax Saving Fixed Deposit: 8.25%
• State Bank Of India  Interest Rate In Tax Saving Fixed Deposit: 9.25%
• Axis Bank  Interest Rate In Tax Advantage Fixed Deposit: 8.50%
• Bank Of Baroda Interest Rate In Tax Saving Fixed Deposit: 9.00%
• Central Bank Of India  Interest Rate In Tax Saving Fixed Deposit: 9.09%
• Canara Bank  Interest Rate In Tax Saving Fixed Deposit: 9.00%

Do you want to buy fuel using your credit card & save the money? If yes, then you must remember to pay the fuel surcharge extra over the fuel cost.

In the most cases, the fuel surcharge is 2.5% of the purchase value of the fuel. So you must use specific credit card at specified outlet who provide Zero Fuel surcharge. You can save big bucks by purchase your fuel by just using Zero Fuel surcharge Credit card to purchase fuel.

Fuel Surcharge When Using Tata Credit Card:

• Tata Credit Card offer Zero fuel surcharge at BCPL outlet

Limitation Of Zero Fuel surcharge Using Tata Credit Card:

• Tata Credit Card only provide Zero Fuel Surcharge for purchase value between Rs 400  to Rs 3000
• Tata Credit Card holder have to pay 2.5% fuel surcharge for any transaction below Rs 400 & above Rs 3000
• Maximum of Rs 100 surcharge can be waived i.e Purchase of  total fuel of Rs 4000 is allowed for Zero Surcharge
• Minimum fuel surcharge of Rs 10 for Tata Credit Card will be applicable for fuel purchase value of below Rs 400

Lots of young girls smoke heavily. Smoker young girls start their first puff at very young age. In India, Girl smoking habit is low, but still young girls start smoking & love to smoke. Below we will mention the actual reasons of why & how girls start smoking.

How Girls Start Smoking:

• Smoking habit for Girls in not by nature. Smoking habit is obtained from others girl.
• Smoking by Girls is a trend by fashionable modern girls. So lots of young girls start smoking as a status symbol.
• Girl loves Zero figure.They start dieting to maintain Zero figure.Since smoking decrease appetite, hence Girl start smoking.
• Indian girls are suppressed over men. So girls start smoking to prove their superiority over men.
• IT sector girls & working girls have to stay away from family. So girls start smoking as friend.
• Cigarette contain nicotine which stimulate body. Girls start smoking to reduce tension during examination & love affair
• Cigarette giants promote smoking over media & cinema. Young girls get interested & start smoking.