நாம் அனைவரும் கஸ்டப்பட்டு சம்பாதித்த பணத்தை சரியான வழிமுறையில் சேமிக்கிறோமா என்றால் இல்லை என்றே சொல்லலாம்,

ஏனென்றால்,

நமக்கு தெரிந்த நண்பர்கள், எதில் முதலீடு செய்கிறார்களோ, அதில் முதலீடு செய்வது, அல்லது யாரையும் நம்பாமல் வங்கி அல்லது போஸ்ட் ஆபீஸ் திட்டங்களில் மட்டுமே முதலீட்டை வைத்திருப்பது

சரி இவ்வாறு செய்யும் முதலீடுகள்,
நீண்ட காலத்தில் விலை வாசி உயர்வை தாண்டி லாபம் தரவல்லதா என்று நாம் பார்ப்பதில்லை,

அது மட்டுமில்லாமல் ஆயுள் காப்பீடு திட்டங்களில் , எவ்வளவு லாபம் கிடைக்கிறது என்று கணக்கிட முடியாமை,  கடைசியில் முகவரை கோபித்துக்கொள்வது,

மேற்கண்டவாறு இல்லாமல் நாம் தெளிவான , திடமான முடிவு எடுக்க வேண்டுமாயின்  ,  நிதி சார்ந்த சில அடிப்படை விசயங்கள் நமக்கு தெரிந்திரிக்க வேண்டும்.

விழிப்புணர்வு நிகழ்ச்சிகள்,
நீங்கள் பணிபுரியும் இடங்களிலியே நடத்தி தரப்படும்,

,

 அணுகவும்.

P.sellathurai,  CFGP®
Chartered Financial Goal Planner®

Association of mutual Fund India -member- 9 yrs more.

LIFE INSURANCE ADVISOR- 18yrs more.

Special Teacher for school childs - Tamilnadu government - 5 yrs more.

Cell- 9443014015
Off. 04322 220299
investsella@gmail.com

Lic

Lic service

காப்பீடு என்பது இடர்காப்பு மட்டுமில்லை , மிக பெரிய சொத்து சேமிப்பும் ஆகும் , உங்கள் குறிக்கோள்களை இதன் மூலமாகவும் அடையலாம்.

காப்பீடு என்பது இடர்காப்பு மட்டுமில்லை , மிக பெரிய சொத்து சேமிப்பும் ஆகும் , உங்கள் குறிக்கோள்களை   இதன் மூலமாகவும்  அடையலாம்.

P.SELLATHURAI. IFA
Financial Advisor
9443014015

ஓய்வூதியம்

ஓய்வூதியம்

P.SELLATHURAI. IFA 

Financial Advisor

9443014015

office: 04322-220299

How to Save Money

Saving money is one of those tasks that's so much easier said than done — everyone knows it's smart to save money in the long run, but many of us still have difficulty doing it. There's more to saving than simply spending less money, although this alone can be challenging. Smart money-savers also need to consider how to spend the money they do have as well as how to maximize their income. Start with Step 1 below to learn how to set realistic goals, keep your spending in check, and get the greatest long-term benefit for your money.

mutual funds

Birla Sun Life Fund Performance as on 21-Nov-2014
Scheme	1 Year	2 year	3 year	5 year	10 year
Birla Sun Life 95	51.73	27.23	22.99	14.99	19.08
Birla Sun Life Frontline Equity	54.48	30.75	27.85	15.48	22.05
Birla Sun Life Top 100	57.67	31.98	28.62	16.23	-
Birla Sun Life Equity	66.55	33.47	28.71	13.70	20.64
Birla Sun Life Mid Cap	76.89	32.38	27.31	13.79	21.28
Birla Sun Life Dividend Yield Plus	62.94	25.57	21.81	15.52	18.46
Birla Sun Life MNC	75.92	38.96	34.16	24.50	22.63
Birla Sun Life Pure Value	109.54	47.29	35.54	21.57	-
Birla Sun Life Tax Plan	61.15	32.27	27.80	15.33	18.22
Birla Sun Life Tax Relief 96	62.81	33.25	28.37	13.21	17.96

personal financial planning advice

gift your child the future he/ she deserves with

PLAN TODAY FOR RETIREMENT

உங்கள் எல் ஐ சி பாலிசியின் பிரிமியத்தை நேரடியாக ஆன் லைன் மூலமாக செலுத்த

உங்கள் எல் ஐ சி பாலிசியின் பிரிமியத்தை நேரடியாக ஆன் லைன் மூலமாக செலுத்த 
இங்கே கிளிக் செய்யவும்  :

https://customer.onlinelic.in/online_payment.htm

https://customer.onlinelic.in/LICEPS/appmanager/OnlinePayment/OnlinePaymentHome

clia award

உங்களின் குழந்தைகள் எதிர்கால படிப்பு

உங்களின் குழந்தைகள் எதிர்கால படிப்பு

Electronic insurance policy still to take off in big numbers

Electronic insurance policy still to take off in big numbers 

Digitisation of insurance policies may take some more time to take off a large scale, with customers not being too eager to convert their policies into an electronic format. Insurance industry officials said that at present while all processes have been initiated, only a small percentage of policyholders have made their policies into a paperless format.
"Customers have expressed their reluctance to have a non-paper policy that can be accessed with one number, since they are more comfortable in having a physical document," said a senior executive of a life insurance company. Insurance Regulatory and Development Authority (Irda) has not mandated customers to digitise their policies, however it is anticipated in the next 8-10 years, all processes will move into an electronic format.
An Insurance Repository (IR) is a facility to help policy holders buy and keep insurance policies in electronic form, rather than as a paper document. These repositories, like share depositories or mutual fund transfer agencies, will hold electronic records of insurance policies issued to individuals and such policies are called ’electronic policies’ or ’e-Policies’.
Though Irda has only allowed life insurance policies to be digitised first, regulatory officials added that that non-life policies like health and motor will also be allowed to be digitised in the near future.
"Motor insurance policies may be digitised soon. However, we are not sure if the state transport authorities would accept motor policies in electronic format from vehicle owners. So, for the time-being, a physical document may still be necessary," said the chief claims official of a mid-size general insurance company.
Irda rules said that customers will be allowed the facility of portability, wherein they can port or shift from one IR to the other if they are not satisfied with its services. However, they will be given a new e-Insurance Account with a new number if they avail of this facility.
At present, there are more than 330 million life insurance policies and 90 million general insurance policies that are in force in the country. On an average, Irda’s estimates suggest that annually Rs 150-200 per customer is spent by an insurance company annually in maintaining policies in physical form. This initiative by Irda is expected to 1800 million pages annually and save more than Rs 100 crore for the industry.
The five companies include NSDL Database Management Limited, Central Insurance Repository Limited, CAMS Repository Services Limited, SHCIL Projects Limited and Karvy Insurance Repository Limited. Irda has recently clarified in its regulation on insurance repositories and said that insurers can enter into agreements with one or more repositories.
However, all insurers have not tied-up with all repositories to digitise existing policies. Hence, if an insured shifts from one company to the other which does not have a tie-up with a particular repository, it may be difficult to maintain records. "Policyholders are preferring to wait for another 12-18 months till all tie-ups with all repositories are in place, so that they do not face any administrative issues while transferring policies," said the chief executive of a bank-promoted insurer.
The objective of creating an insurance repository is to provide policyholders a facility to keep insurance policies in electronic form and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy in order to bring about efficiency, transparency and cost reduction in the issuance and maintenance of insurance policies. Policyholders have an option to choose to either digitise their policy or to have it in the existing format.
These repositories are required to maintain records of e-insurance accounts with an unique number, records of e-insurance policies issued and records of e-insurance policies converted back into physical form, index of policyholders and their nominees / assignees / beneficiaries in the respective life insurance policies, among others. Further, they also have to maintain history of claim data.

9-Apr-2014
Source : Business Standard

Electronic insurance policy still to take off in big numbers

Electronic insurance policy still to take off in big numbers 

Digitisation of insurance policies may take some more time to take off a large scale, with customers not being too eager to convert their policies into an electronic format. Insurance industry officials said that at present while all processes have been initiated, only a small percentage of policyholders have made their policies into a paperless format.
"Customers have expressed their reluctance to have a non-paper policy that can be accessed with one number, since they are more comfortable in having a physical document," said a senior executive of a life insurance company. Insurance Regulatory and Development Authority (Irda) has not mandated customers to digitise their policies, however it is anticipated in the next 8-10 years, all processes will move into an electronic format.
An Insurance Repository (IR) is a facility to help policy holders buy and keep insurance policies in electronic form, rather than as a paper document. These repositories, like share depositories or mutual fund transfer agencies, will hold electronic records of insurance policies issued to individuals and such policies are called ’electronic policies’ or ’e-Policies’.
Though Irda has only allowed life insurance policies to be digitised first, regulatory officials added that that non-life policies like health and motor will also be allowed to be digitised in the near future.
"Motor insurance policies may be digitised soon. However, we are not sure if the state transport authorities would accept motor policies in electronic format from vehicle owners. So, for the time-being, a physical document may still be necessary," said the chief claims official of a mid-size general insurance company.
Irda rules said that customers will be allowed the facility of portability, wherein they can port or shift from one IR to the other if they are not satisfied with its services. However, they will be given a new e-Insurance Account with a new number if they avail of this facility.
At present, there are more than 330 million life insurance policies and 90 million general insurance policies that are in force in the country. On an average, Irda’s estimates suggest that annually Rs 150-200 per customer is spent by an insurance company annually in maintaining policies in physical form. This initiative by Irda is expected to 1800 million pages annually and save more than Rs 100 crore for the industry.
The five companies include NSDL Database Management Limited, Central Insurance Repository Limited, CAMS Repository Services Limited, SHCIL Projects Limited and Karvy Insurance Repository Limited. Irda has recently clarified in its regulation on insurance repositories and said that insurers can enter into agreements with one or more repositories.
However, all insurers have not tied-up with all repositories to digitise existing policies. Hence, if an insured shifts from one company to the other which does not have a tie-up with a particular repository, it may be difficult to maintain records. "Policyholders are preferring to wait for another 12-18 months till all tie-ups with all repositories are in place, so that they do not face any administrative issues while transferring policies," said the chief executive of a bank-promoted insurer.
The objective of creating an insurance repository is to provide policyholders a facility to keep insurance policies in electronic form and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy in order to bring about efficiency, transparency and cost reduction in the issuance and maintenance of insurance policies. Policyholders have an option to choose to either digitise their policy or to have it in the existing format.
These repositories are required to maintain records of e-insurance accounts with an unique number, records of e-insurance policies issued and records of e-insurance policies converted back into physical form, index of policyholders and their nominees / assignees / beneficiaries in the respective life insurance policies, among others. Further, they also have to maintain history of claim data.

9-Apr-2014
Source : Business Standard

step ahead in life with LIC"S new mony back plans

Shiksha Guarantee Plan

 

 

Shiksha Guarantee Plan

Pay premium for 12 years & get continuous money back every year for child's education from 13th year to 24th year
Highlights of the plan Get continuous money back (14 years) Short premium paying term (12 years) High risk cover on parent's life for 20 years Loan available anytime
Note: Plan can be customized as per customer requirements
For detailed illustration please refer to the next page.

LIC Nomura Mutual Fund aims at nearly doubling assets this fiscal

LIC Nomura Mutual Fund aims at nearly doubling assets this fiscal

LIC Nomura Mutual Fund, the subsidiary of life insurance giant Life Insurance Corporation, aims to close this fiscal with an asset under management of around Rs 20,000 crore this fiscal.
"Our average AUM is close to Rs 11,000 crore as of now. We want to grow it to Rs 20,000 crore by the end of this fiscal, which will help us to maintain an average AUM of Rs 15,000 crore for the whole financial year," LIC Nomura MF Chief Executive and Director Nilesh Sathe told PTI.
He also said the fund house will come up with host of fund launches that will help it ramp up its asset base.
"We have filed for a mid-cap fund, which will be launched after receiving approval," Sathe said, adding it will come up with several debt schemes during this fiscal.
Talking on the flows into equity schemes, the fund house said it has shown uptick in the January-March period of last fiscal and hope to sustain the momentum going forward.

உங்கள் பார்வைக்கு...

100 பயனுள்ள Run command

பொதுவாக அனைவருமே Run option ல் சென்று சில settings கள் செய்வோம் அப்படிப்பட்ட சில command களின் பட்டியல் உங்கள் பார்வைக்கு...

1) Accessibility Options : access.cpl
2) Add Hardware : hdwwiz.cpl
3) Add / Remove Programs : appwiz.cpl
4) Administrative Tools : control admintools
5) Automatic Updates : wuaucpl.cpl
6) Wizard file transfer Bluethooth : fsquirt
7) Calculator : calc
8) Certificate Manager : certmgr.msc
9) Character : charmap
10) Checking disk : chkdsk
11) Manager of the album (clipboard) : clipbrd
12) Command Prompt : cmd
13) Service components (DCOM) : dcomcnfg
14) Computer Management : compmgmt.msc
15) DDE active sharing : ddeshare
16) Device Manager : devmgmt.msc
17) DirectX Control Panel (if installed) : directx.cpl
18) DirectX Diagnostic Utility : dxdiag
19) Disk Cleanup : cleanmgr
20) System Information : dxdiag
21) Disk Defragmenter : dfrg.msc
22) Disk Management : diskmgmt.msc
23) Partition manager : diskpart
24) Display Properties : control desktop
25) Properties of the display (2) : desk.cpl
26) Properties display (tab "appearance") : control color
27) Dr. Watson : drwtsn32
28) Manager vérirficateur drivers : check
29) Event Viewer : Eventvwr.msc
30) Verification of signatures of files : sigverif
31) Findfast (if present) : findfast.cpl
32) Folder Options : control folders
33) Fonts (fonts) : control fonts
34) Fonts folder windows : fonts
35) Free Cell : freecell
36) Game Controllers : Joy.cpl
37) Group Policy (XP Pro) : gpedit.msc
38) Hearts (card game) : mshearts
39) IExpress (file generator. Cab) : IExpress
40) Indexing Service (if not disabled) : ciadv.msc
41) Internet Properties : inetcpl.cpl
42) IPConfig (display configuration) : ipconfig / all
43) IPConfig (displays the contents of the DNS cache) : ipconfig / displaydns
44) IPConfig (erases the contents of the DNS cache) : ipconfig / flushdns
45) IPConfig (IP configuration cancels maps) : ipconfig / release
46) IPConfig (renew IP configuration maps) : ipconfig / renew
47) Java Control Panel (if present) : jpicpl32.cpl
48) Java Control Panel (if present) : javaws
49) Keyboard Properties : control keyboard
50) Local Security Settings : secpol.msc
51) Local Users and Groups : lusrmgr.msc
52) Logout : logoff
53) Microsoft Chat : winchat
54) Minesweeper (game) : winmine
55) Properties of the mouse : control mouse
56) Properties of the mouse (2) : main.cpl
57) Network Connections : control NetConnect
58) Network Connections (2) : ncpa.cpl
59) Network configuration wizard : netsetup.cpl
60) Notepad : notepad
61) NView Desktop Manager (if installed) : nvtuicpl.cpl
62) Manager links : packager
63) Data Source Administrator ODBC : odbccp32.cpl
64) Screen Keyboard : OSK
65) AC3 Filter (if installed) : ac3filter.cpl
66) Password manager (if present) : Password.cpl
67) Monitor performance : perfmon.msc
68) Monitor performance (2) : perfmon
69) Dialing Properties (phone) : telephon.cpl
70) Power Options : powercfg.cpl
71) Printers and Faxes : control printers
72) Private Character Editor : eudcedit
73) Quicktime (if installed) : QuickTime.cpl
74) Regional and Language Options : intl.cpl
75) Editor of the registry : regedit
76) Remote desktop connection : mstsc
77) Removable Storage : ntmsmgr.msc
78) requests the operator to removable storage : ntmsoprq.msc
79) RSoP (traduction. ..) (XP Pro) : rsop.msc
80) Scanners and Cameras : sticpl.cpl
81) Scheduled Tasks : control schedtasks
82) Security Center : wscui.cpl
83) Console management services : services.msc
84) shared folders : fsmgmt.msc
85) Turn off windows : shutdown
86) Sounds and Audio Devices : mmsys.cpl
87) Spider (card game) : spider
88) Client Network Utility SQL server : cliconfg
89) System Configuration Editor : sysedit
90) System Configuration Utility : msconfig
91) System File Checker (SFC (Scan Now) : sfc / scannow
92) SFC (Scan next startup) : sfc / scanonce
93) SFC (Scan each démarraget) : sfc / scanboot
94) SFC (back to default settings) : sfc / revert
95) SFC (purge cache files) : sfc / purgecache
96) SFC (define size CAHC x) : sfc / cachesize = x
97) System Properties : sysdm.cpl
98) Task Manager : taskmgr
99) Telnet client : telnet
100) User Accounts : nusrmgr.cpl
101) Utility Manager (Magnifier, etc) : utilman
102) Windows firewall (XP SP2) : firewall.cpl
103) Microsoft Magnifier : magnify
104) Windows Management Infrastructure : wmimgmt.msc
105) Protection of the accounts database : syskey
106) Windows update : wupdmgr
107) Introducing Windows XP (if not erased) : tourstart
108) Wordpad : write
109) Date and Time Properties : timedate.cpl

maths

LIC’s New Jeevan Nidhi Plan

LIC’s New Jeevan Nidhi Plan is a conventional with profits pension plan with a combination of protection and saving features. This plan provides for death cover during the deferment period and offers annuity on survival to the date of vesting. Benefits: Benefit on Vesting:  Provided the policy is in full force, on vesting an amount equal to the Basic Sum Assured along with accrued Guaranteed Additions, vested Simple Reversionary bonuses and Final Additional bonus, if any, shall be made available to the Life Assured. The following options shall be available to the Life Assured for utilization of the benefit amount. To purchase an immediate annuity The Life Assured shall have a choice to commute the amount available on vesting to the extent allowed under Income Tax Act. The entire amount available on vesting or the balance amount after commutation, as the case may be, shall be utilized to purchase immediate annuity at the then prevailing annuity rates. Commutation shall only be allowed provided the balance amount is sufficient to purchase a minimum amount of annuity as per the provisions of section 4 of Insurance Act, 1938. In case the total benefit amount is insufficient to purchase the minimum amount of annuity, then the said amount shall be paid as a lump sum to the Life assured. The annuity shall only be purchased from Life Insurance Corporation of India. or To purchase a new Single Premium deferred pension product from Life Insurance Corporation of India Under this option the entire proceeds available on vesting shall be utilized to purchase a single premium deferred pension product provided the policyholder satisfies the eligibility criteria for purchasing single premium deferred pension product. The Life Assured will have to intimate his / her intention to go for a particular option available on the date of vesting atleast six months prior to the date of vesting. Death Benefit: Death during first five policy years: Provided the policy is in full force, Basic Sum Assured along with accrued Guaranteed Addition shall be paid as lump sum or in the form of an annuity or partly in lump sum and balance in the form of an annuity to the nominee.  Death after first five policy years: Provided the policy is in full force, Basic Sum Assured along with accrued Guaranteed Addition, Simple Reversionary and Final Additional Bonus, if any, shall be paid as lump sum or in the form of an annuity or partly in lump sum and balance in the form of an annuity to the nominee. In any case, provided all due premiums have been paid, the total death benefit at any time shall not be less than 105% of the total premiums paid (excluding taxes, extra premium and rider premium, if any). The amount of annuity will depend on the payable lump sum and the then prevailing immediate annuity rates. Guaranteed Additions:  The policy provides for Guaranteed Additions @ Rs.50/- per thousand Basic Sum Assured for each completed year, for the first five years. Participation in profits: Provided the policy is in full force, depending upon the Corporation’s experience the policies shall participate in profits from 6th year onwards for a Simple Reversionary Bonus at such rate and on such terms as may be declared by the Corporation. Final (Additional) Bonus may also be declared under the policy in the year when the policy results into a claim either by way of death or on vesting, provided the policy has run for certain minimum term. Optional Benefit: LIC’s Accidental Death and Disability Benefit Rider:  LIC’s Accidental Death and Disability Benefit Rider is available as an optional rider by payment of additional premium under regular premium policies. In case of accidental death, the Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan.  In case of accidental disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly instalments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived. If the policy becomes a claim either by way of death or the policy vests before the expiry of the said period of 10 years, the disability benefit instalments which have not fallen due will be paid in lump sum.   The Accident Benefit Sum Assured may be opted for an amount upto the Basic Sum Assured subject to minimum of Rs. 1,00,000 and maximum of Rs. 50 lakh (under individual as well as group policies with LIC of India). This benefit will be available only till the vesting age.