Excellent Health Insurance from LIC

LIC JEEVAN AROGYA Special Attractions: 1. A unique non linked plan offering both life & health cover up to age 80 yrs. 2. Singly Policy for self (Principal Insured-PI) & entire family including Dependant Parents and Parents-in law. 3. Health Benefit for listed as well as unlisted surgeries 4. Benefit type of policy – without any link to actual expenses incurred 5. No exclusion of first day, if hospitalization exceeds 7 days 6. High rebates on higher HCB slabs 7. Premium paid will be eligible for IT exemption under Section 80D upto Rs.15,000/- (Rs.30,000/- if parents are coverd) Plan Features: 1. Eligible Age – PI & Spouse - 18 to 65; Dependant Parents up to Age of 75 yrs; Children - 3 months to 17 yrs 2. Modes of premium payment – Yly, Hly, Qly & ECS(Mly) – Mode rebate for Yly & Hly 3. Premiums are guaranteed for 3 years with automatic renewal facility Unique Benefits: 1. Hospital Cash Benefit (HCB) 2. ICU Benefit 3. Major Surgical Benefit (MSB) 4. Day Care procedure Benefit (DCPB) 5. Other Surgical Benefit (OSB) 6. Quick Cash facility 7. Ambulance charges Benefit 8. Premium Waiver Benefit 9. Term Assurance rider (Death Benefit) 10. Accident Benefit rider (AB) 11. No claim Benefit * Hospital Cash Benefit from Rs.1000/- to Rs.4000/- per day (to be opted by the policy holder in multiples of Rs.1000/-)             - Double the Benefit for ICU - Maximum 720 days for each member throughout the policy term up to 80    years of age - for Children up to 25 years of age - Automatic increase in HCB by 5% of Initial HCB every year up to 50% of the Initial HCB  * Major Surgical Benefit for 140 listed Surgical Procedures             - MSB is equal to 100 times of HCB - Automatic increase in MSB by 5% of Initial MSB every year up to 50% of the Initial MSB - Maximum 8 times of MSB throughout policy term (1 MSB per annum) - up to 80 years of age, for children up to 25 years of age * Day Care Procedure Benefit for 140 Day care procedures, 5 times of applicable Daily Cash Benefit, 3 times in a year and 24 times in the policy full term * Other Surgical Benefit for any surgery not covered under MSB, 2 times of applicable Daily Cash Benefit-45 days in a year 360 days in the policy full term (15 days-First year) * Quick Cash Facility-this is the facility available for all insured, where instant cash can be paid as an advance up to 50% of eligible MSB surgeries of category 1 & 2 * Ambulance charges for surgeries eligible for MSB listed under category 1 & 2 – benefit @ Rs.1000 per insured per policy year * Premium Waiver Benefit for surgeries eligible for MSB listed under category 1 & 2 one year premium will be waived * Term Assurance Rider: Death Benefit MSB is covered under this policy by payment of additional premium * Accident Benefit Rider: Accident Death Benefit up to initial MSB is available by payment of additional premium * No Claim Benefit: If there is no claim from any insured between two Automatic Renewal Date (ARD) 5% of IDB will be added to the ADB from next ARD for all insured                                                                         Sample Benefit Illustration for an Initial HCB of Rs.1000/- Nature of Benefit 1st Policy Year (Rs.) 2nd Policy Year & onwards (Rs.)       Max. eligible during the term (Rs.) Hospital Cash Benefit(HCB)    45,000 1,41,750 16,20,000 Major Surgical Benefit(MSB) 1,00,000 1,05,000 12,00,000 Other Surgeries Benefit(OSB)    30,000    94,500 10,80,000 Day Care Procedure Benefit(DCPB)    15,000    15,750   1,80,000 Maximum Benefit under the policy per insured                                              40,80,000 Reimbursement of Ambulance charges incurred Rs.1000/- per insured per year for undergoing cat 1 & 2 MSBs Premium waiver Benefit After availing MSB under cat 1 & 2 for any insured subsequent year premium will be waived No Claim Bonus 5% of IDB is available as No Claim Bonus

Earn Money Online for sharing Links with friends and family

Every one of us would like to share whatever good or bad things that we find on the internet to our close friends and family members. Some body will use facebook, twitter or email or they can also use sms text messaging to share it with friends. Because of this nature of human beings many businesses have emerged like twitter, facebook, delicious, stumbleupon, emailme, shareme like that.

But how good it will be if you get to have some money when you are sharing some information through links with your friends through facebook or twitter. You can do that by signing up for the url shortening sevice provided by adfly

This is similar to all the url shortening service like bitly, tinyurl & others which you use with twitter & facebook except that the adfly account pays you everytime some one visits the link that you have shared online with your friends.

So without doing any kind of work, you will start generating passive income from your sharing skills. Not only that, the adfly account also provides you with referral benefits of 20% for lifetime. Every time your friends sign up for an adfly account with your referral link like this http://adf.ly/?id=260110 you will earn 20% of their income. This is for the whole lifetime, so that sounds really very good for all.

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Investment in Gold

It is a  fact that Indians bought jewellery in India last year equivalent to the total FII investment flow and that the total gold demand in India at US $38 Billion outpaced the total revenue of all domestic auto companies, estimated at US $ 35 Billion. Also it is important to note that  9% of India's household savings went into gold investments, which is interesting.

We are sure you would like the report (Click here to download the report)

After Banks's turning India's biggest Jewellers in terms of gold sales, Gold ETFs are likely to shape up into a large asset class on their own.

At HDFC securities, we have over the last two years encouraged customers to make investments into gold via Gold ETF's and they have benefitted immensely with returns of 20.1% in just the last year.

If you have'nt started a Gold ETF yet, it may be time to get in touch with us and we can set up a Monthly automatic SIP in Gold for you. To know HDFC securities automatic SIP click here.

Gold is an evergreen haven

Gold fell $7 from a record high set on Monday. Here was the headline from Tuesday's Financial Times: 

"Gold surges to record high as investor search for haven." 

A haven from what? Ah...a haven from central bankers' errors. A haven from inflation. A haven from revolutions and civil wars. A haven from defaults and bankruptcies. 

Gold is an all-purpose, evergreen haven. Got a personal problem? Have a drink. Relax. Talk to your priest or your bartender. Got a financial problem? Buy gold. 

And here's Bill Gross of PIMCO, commenting on one of the things gold is a haven from. Reported on Yahoo Finance:

No Way Out of Debt Trap, Gross Says 

US Living Standards Doomed to Fall 

In this U.S., states across the country face a collective $125 billion shortfall for fiscal 2012, while Congress is facing a budget gap nearly 10 times that size. 

PIMCO founder Bill Gross -- one of the world's largest mutual funds managers, who focuses mostly on bonds -- has previously said that if the United States were a corporation, no one in their right mind would lend us money. For the last decade, we've been "relying on the kindness of strangers" to help cover our debts... 

By "strangers" he is referring to our foreign counterparts, like China for example. Basically, for years Americans have spent their hard-earned dollars on less-expensive Chinese made goods. With great gratitude, China turned around and used all those dollars to buy up U.S. Treasuries and other dollar-denominated assets. 

But now after years of reckless spending, America's debt level is nearing a breaking point and can no longer rely on foreign capital as a last resort. "When a country reaches a certain debt level, confidence in that country's ability to repay that debt becomes jeopardized," says Gross, citing the work of Ken Rogoff and Carmen Reinhart in This Time Is Different. 

"There is really no way out of this trap and this conundrum at this point," says Gross. From an investment perspective his advice is to stay clear of "bonds in dollar denominated terms" and to be "wary of higher interest rates going forward."

Meanwhile, the debt trap hole gets deeper and deeper. Here's the Washington Times with the latest:

The federal government posted its largest monthly deficit in history in February, a $223 billion shortfall that put a sharp point on the current fight on Capitol Hill about how deeply to cut this year's spending. 

That one-month figure, which came in a preliminary report from the Congressional Budget Office , dwarfs even the most robust cuts being talked about on the Hill, and underscores just how much work lawmakers have to do to get the government's finances in balance again. 

The Senate plans to vote Tuesday on competing proposals to cut spending, but Democrats have rejected GOP -backed cuts of more than $50 billion, and Republicans have ruled out Democrats' cuts of less than $10 billion, meaning neither plan will draw the 60 votes needed to overcome a filibuster and pass. 

The two sides are facing a March 18 deadline, which is when the current stopgap funding bill expires. Without a new spending agreement by then, the government would shut down.

Let's see. A shut down? Yes, seems like a good idea. Close the doors. Turn out the lights. Send the zombies home. 

But wait...the FBI and Homeland Security would shut down too. And the IRS. 

Well, great...what an opportunity! Want to cheat on your taxes, murder someone, rob a bank, or blow up a federal building? Get ready...the coast will be clear. 

But why bother? The feds are going to cause enough mayhem on their own. The feds spent $223 billion more than they took in last month. Multiply by 12. Hey wait. We don't even need a calculator. That's more than $2 trillion. Come to think of it, a shut down may be the only way to save us. 

*** Yes, $2 trillion annual budget deficits can't be far away. Because tax revenues are depressed by the Great Correction in the private sector, while the feds try to goose up the economy with hot money. 

As usual the road to Hell is the best paved highway on the map. 

Hot money has already toppled 2 governments and put one more, Libya, in grave jeopardy. In addition to record-breaking gold prices, it has put up food prices to all-time highs. And it has investors speculating on $200 oil. Check this out, from Bloomberg: 

March 7 (Bloomberg) -- Options traders are betting more than ever that crude oil is heading to $200 a barrel as some websites call for a "Day of Rage" in Saudi Arabia and anti- government protests spread in the Middle East and North Africa. 

Saudi Arabia produced 9.71 million barrels a day in 2009, one-third of OPEC output and almost six times as much as Libya, according to BP Plc's Statistical Review of World Energy. Websites have called for a nationwide "Day of Rage" on March 11 and March 20, Human Rights Watch said Feb 28. Protests in five of the kingdom's eight immediate neighbors have prompted King Abdullah to boost spending on housing, social welfare and education to curb unrest in his country. 

"The price of oil is going to go up, whether you like it to or don't," said Juerg Kiener, chief investment officer at Swiss Asia Capital Ltd. in Singapore. "If Saudi Arabia fails, then I say you have a fire in the house. They gave out $30 billion of money so maybe they'll buy time. But I don't see the problems disappearing." 

*** Higher oil...higher food - ouch! -- middle and lower classes are pinched badly. 

Food stamps are setting records too. They're now being sent to more than 44 million people. And another 15 million qualify - one out of every 5 Americans. 

But living on food stamps is not exactly like eating at the Prime Rib. The average allowance is only $130 per month per person. Not enough to buy a good bottle of wine at the Tour d'Argent. 

Daily Reckoning readers are urged to raise chickens. And plant gardens. For those who want to be fed by at government expense will soon want bread. 

SHRIRAM TRANSPORT FIXED DEPOSIT - 13.32% interest

                                            SHRIRAM TRANSPORT FIXED DEPOSIT

 

Highlights of Shriram FD:

1.         3 years interest rate-11.94%

2.         4 years interest rate-12.60%

3.         5 years interest rate-13.32%

4.         FDs rated by "FAA+/stable" by CRISIL-CRISIL rating indicates high degree of safety

5.         FDs rated by "MAA+/stable" by ICRA-ICRA rating indicates high credit quality

6.         This company was started in 1979

7.         It has 13,817 employees

8.         It has 484 branches

9.          It has over 7 lacs customers

10.     It has over Rs.12,000 crores market capitalization

11.     It has Rs.4,499.64 crores total income

12.     It has Rs.873.12 crores net profit

13.     It has over Rs.30,000 crores asset under management

The most interesting highlight is that this company share price in 2001 was Rs.6 and in 2005 Rs.40 and today it's share price is Rs.780

So,that is the strength of this company

You won't get the above interest rate in any bank and this FD is going to be closed very soon

So,hurry to invest in this FD(minimum investment is Rs.25000)

80C - TAX SAVER MUTUAL FUND SCHEMES - PERFORMANCE REPORT & INFRA BONDS (80CCF) AVAILABLE FOR SUBSCRIPTION

Mar,02,2011
				Compounded Annualised % (Point to Point)
Scheme Name	NAV	Launch Date	Corpus (in Crs)	1 Yr	Rank	2 Yrs	Rank	3 Yrs	Rank	5 Yrs	Rank
Canara Robeco Equity Taxsaver	18.51	31-Mar-93	234.56	13.88	7	59.07	3	13.55	1	16.13	1
HDFC Taxsaver	223.877	13-Jun-96	2788.8	13.79	8	59.88	2	10.84	2	13.14	5
Fidelity Tax Adv. Fund	21.348	27-Feb-06	1148.34	18	1	54.03	6	10.4	3	16.06	2
ICICI Pru Taxplan	135.83	19-Aug-99	1336.53	11.12	12	63.89	1	10.36	4	11.34	9
Sahara Taxgain	35.4658	01-Apr-97	12.11	13.52	9	52.02	9	9.12	5	13.61	4
Franklin Taxshield	200.6578	10-Apr-99	778.43	12.6	10	50.76	12	8.41	6	11.96	7
Religare Tax Plan	16.74	29-Dec-06	98.6	11.34	11	50.29	13	7.85	7	--	--
HDFC LT  Adv. Fund	132.093	02-Jan-01	925.4	15.94	5	55.85	5	7.72	8	10.45	13
Reliance Tax Saver (ELSS) Fund	19.8376	22-Sep-05	2492.91	10.9	14	49.65	15	7.44	9	9.89	14
Taurus Taxshield	34.19	31-Dec-97	62.67	10.86	15	49.52	16	7.4	10	13.79	3
HSBC Tax Saver Equity Fund	13.7729	05-Jan-07	241.67	4.01	27	41.63	24	6.04	11	--	--
DSP BlackRock Tax Saver Fund	16.203	18-Jan-07	857.81	9.61	18	50.22	14	4.75	12	--	--
Sundaram Taxsaver -	41.6639	22-Nov-99	1429.83	3.81	28	39.88	26	4.54	13	12.36	6
Franklin Index Tax Fund	42.2082	26-Feb-01	2.87	9.91	16	42.34	23	3.37	14	11.44	8
Tata Tax Saving Fund	44.7798	31-Mar-96	147	9.58	19	45.42	18	3.28	15	7.56	17
L&T Taxsaver Fund	15.39	18-Nov-05	28.59	6.16	26	52.68	7	2.48	16	5.96	20
ING Tax Saving Fund	28.92	28-Mar-04	37.21	15.96	4	58.34	4	1.89	17	5.07	22
SBI Tax Gain Scheme 93	57.25	31-Mar-93	5453.54	2.5	31	42.73	22	1.1	18	11.02	10
UTI Equity Tax Savings Plan	38.19	15-Nov-99	553.84	6.55	25	38.7	27	0.95	19	6.04	19
Birla SL Tax Plan	44.89	16-Feb-99	159.63	8.61	21	43.08	21	0.56	20	8.41	15
Birla SL Tax Relief 96	79.67	29-Mar-96	1665.1	2.57	30	52.17	8	-0.17	21	10.96	11
Baroda Pioneer ELSS 96	23.56	31-Mar-96	21.5	6.83	23	45.07	19	-0.4	22	7.18	18
Kotak Taxsaver	17.619	21-Nov-05	530.26	9.64	17	44.93	20	-0.67	23	8.17	16
LIC Tax Plan	28.7858	03-Feb-99	40.55	9.16	20	37.53	31	-0.88	24	3.9	23
Principal Personal Taxsaver	92.58	31-Mar-96	622.22	6.64	24	47.92	17	-1.88	25	10.61	12
DWS Tax Saving Fund	12.9912	20-Mar-06	74.4	0.63	34	36.57	33	-3.65	26	--	--
BNP Paribas Tax Adv. Plan	12.981	05-Jan-06	48.78	3.58	29	38.15	28	-5.82	27	2.31	25
PRINCIPAL Tax Savings Fund	71.39	31-Mar-96	269.79	1.09	33	37.8	29	-8.22	28	5.37	21
Escorts Tax Plan	44.1494	31-Mar-00	4.93	1.2	32	32.34	35	-9.38	29	3.72	24
Quantum Tax Saving Fund	21.53	31-Dec-08	2.73	17.03	2	51.7	10	--	--	--	--
Axis Tax Saver Fund	11.8682	29-Dec-09	66.83	16.05	3	--	--	--	--	--	--
JPMorgan India Tax Adv. Fund	17.875	27-Jan-09	3.19	13.94	6	33.68	34	--	--	--	--
IDFC Tax Adv. (ELSS) Fund	19.0869	26-Dec-08	113.08	10.93	13	40.59	25	--	--	--	--
Edelweiss ELSS Fund	18.29	30-Dec-08	1.23	8.25	22	37.09	32	--	--	--	--
JM Tax Gain Fund	6.6603	31-Mar-08	63.18	-1.15	35	37.68	30	--	--	--	--
Bharti AXA Tax Adv. Fund	21.46	25-Feb-09	35.58	-2.19	36	51.5	11	--	--	--	--

 

 

 

Mutual Fund Investments are subject to market risks,please read the offer document carefully,before investing.