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3 Insurance Plans You Should Have Before You Start Family

Significance of insurance policies is well advertised by premium insurance companies. The policies would not just help in sailing through tough times, but financially support your loved ones in times of your absence. The policy conditions are comprehensible and straightforward; with the advent of a plethora of options, the liberty to customize and make potential use of savings has increased with time.

1. Life Insurance Policy

It is one of the premier insurance policies that have helped millions of families through times of grief and distress. The amount of financial security that it bestows upon according to the insurance plans is a boon to every family. Besides return on investment that implies for each lump sum investment, the policy-holder and concerned family gains through an impressive return that could be further invested in something substantial. Other benefits, such as tax benefits and loan paying options are also feasible. In case you are in dire need of money, obtaining a policy loan remains a feasible option. The amount is a percentage of portions of total cash value allocated to the policy.

Families can plan about different stages- the child’s education, buying real estate, marriage, and owing car- according to their insurance type. Insurances provide an opportunity to receive regular amounts at scheduled intervals, which should be individually seen as an added bonus. Even if there is an event of loss of income, this return on investing in life insurance offers impressive financial support to the family.

2. Whole Life Insurance

The simple rationale behind it is the dividends offered off the profits creating substantial funds for future requirements. Regardless of stock value and market unpredictability, the insurer’s cash value grows at an exponential rate. The best way to determine is by using term insurance calculator that eliminates the use of guesswork or blunders while filing for your insurance. Generally, during the purchase of a policy, extensive knowledge about the family’s medical history plays a key role in determining the policy’s nature.

3. Business Insurance

Irrespective of the size of a business, the value of insurance is unfathomable. It would protect against grave accountabilities and lawsuits that are not unheard in business. Besides procuring the legal costs, it also pays the entire amount of settlement fee. In a nutshell, while at the outset business insurance might seem a bit of an unnecessary indulgence such insurance provides a secured source of income in the event of unanticipated termination of business activities or dwindling of profit amount. As long as business insurance is operational, the policy-holder never has to bother about paying off revenues and other additional expenses. Business insurance would help owners deal with possible risks that are intricately associated with any kind of business. Besides adding credibility to the owner, it takes away the burden.

There is huge flexibility to invest during the gradual stages; younger applicants tend to open with low rates till they reach a point where they could increase the amount. Each term and conditions are lucid to prevent inconveniences or third party intervention.

Best 5 National Parks of Madhya Pradesh

As of May 2019, India is home to 104 national parks, taking up 1.23% of the geographical area of the nation, according to data by ENVIS Centre on Wildlife & Protected Area. Madhya Pradesh alone boasts 10 active national parks that work towards improving the biodiversity and wildlife, while protecting wild animals against poaching and hunting.

If you are looking forward to a vacation amidst dense forests with rich flora and fauna and thrilling adventures, book domestic flight tickets to Madhya Pradesh. Here’s a list of the top national parks popular among wildlife enthusiasts.

1. Bandhavgarh National Park

Located in the Vindhya Hills of the Umaria district, Bandhavgarh National Park boasts the highest number of the majestic Royal Bengal Tigers. No luck is required to spot wild animals like sloth bears, white tigers, striped hyena, nilgai, boars, jackals and leopards here. The park also consists of 250 varieties of birds, including storks and eagles. You can enjoy trekking, wildlife safaris and wildlife photography here. If you cannot contain your excitement, match the timings of your domestic air tickets with that of the park to visit on your day of arrival.

2. Kanha National Park

This is the biggest national park of Madhya Pradesh, stretching across 940 sq kms and housing a huge variety of wildlife. No wonder Jungle Book by Rudyard Kipling was inspired by this park! The park is famed worldwide for preserving the Barasingha or swamp deer and black bucks, which were almost going extinct. You will find barking deer, giant danio, rasbora, Indian krait, mud perches, Indian cobra and, of course, gigantic tigers in their natural habitat here.

3. Panna National Park

This is an ideal park for nature lovers, with its waterfalls, River Ken and the diamond mines. Offering praiseworthy glimpses of nature, Panna National Park is famous for its tigers, blue bull, spotted deer, tree shrew, hares, porcupines, chinkaras, leopards, wild cats and dogs, and four horned antelopes. Adjacent to this park is Ken Ghariyal Santuary, which is famous for the Indian Ghariyal, a large fish-eating crocodile present only in the Indian subcontinent.

4. Madhav National Park

Once upon a time, this national park was famous among the Mughals and Marathas for their hunting activities. Located in Gwalior’s Shivpuri district, it is popular among tourists for its crocodile safaris. Wild animals, including tigers, leopards, sambhar, nilgai, hyena and sloth bears, roam freely here. The national park also welcomes countless migratory birds, like teal, mallard, geese, pochard and gadwall.

5. Pench National Park and Tiger Reserve

Tucked in the Satpura Hills, Pench National Park is well known due to its huge population of sambhar and chital. It is also home to numerous other wild animals, like tigers, Indian bison, cheetal, wild pigs, nilgai, leopards and wolves. Apart from these, one can also indulge in elephant rides, bird watching and jeep safaris here. Book your domestic flight tickets to begin the adventure.

Domestic flight booking in India is easy and hassle free. So what are you waiting for? Pack your bags for a wonderful holiday in the jungle!

R… Rajkumar rowdy hit numbers that force you get up and dance

R… Rajkumar stars Shahid Kapoor and Sonakshi Sinha in the leading roles. Even though the films have become huge hits, not often do the Films have great music. This certainly has changed through R… Rajkumar. There are some chartbuster songs that will make you leap to your feet. Pritam has been called to create magic and the songs stand witness to that. Let us check out some of the best songs that you will find in R Rajkumar full movie.

Gandi Baat – The first song from the album is Gandi Baat. It is written by Anupam Amod. Pritam has definitely started the album in Rowdy Rathore mode. Mika Singh delivers the lines by pouring his characteristics into the song. Kalpana Patowari offers some impact as well. Some parts of the songs are influenced by the dances of Shahid Kapoor. The song brings some known tunes to mind. But more than anything else is the ability of the song to make you groove to the beats.

Saree ka fall sa – The next song has been sung by Antara Mitra and Nakash Aziz. The lyrics have been created by Mayur Puri. This song is catchy. Pritam creates a hit with this song. It is the first chartbuster of the album. Though Mika Singh could have been a better fit, Nakash does his role quite well. Antara Mitra also makes her addition to the song, making the song something that you would set the party mood anywhere, anytime. It is a typical Prachu Deva song.

Mat Maari – Mat Maari is crooned by Sunidhi Chauhan and Kunal Ganjawala. Kunal is back after a long time and he did choose a great track to come back to. One needs to check the video of the song as well. Sunidhi Chauhan plays much more role through her song than just vocalising the lyrics. The song is definitely one of those tracks that thoroughly the amuse the listeners.

Dhoka Dari – The next song from the movie is ‘Dhoka Dari’. Palak Muchhal and Arijit Singh voice the song. The melodic tune and the breezy flow of the song adds charm to this number. Nitesh Mishra’s lyrics appeal to the listeners as the audience hums to the tune of the song. The romantic track is certainly one that adds more thrill to the rowdy hit numbers of R Rajkumar full movie.

Kaddu Katega – The last song, Kaddu katega, is sung by Antara Mitra. Ashish Pandit has written the lyrics of the song. This is another nice song, considering the situational aspect of the song. Antara Mitra does justice to the song and the short song delights the audience. The good tune and the catchy rhythm register the song with the masses.

Apart from these, there are remixes of Gandi Baat and Saari ka Fall Sa. These songs cheer up the mood of the audience. You can watch the movie streaming on Airtel XStream.

5 Habits for Ensuring a Financially Secure Future

It is never too early to plan for your future. But, the net savings available for investment in India have been declining over time, from 7.5% of the GDP in 2011-12 to 6.5% in 2017-18, according to information provided by Reserve Bank of India. With economic uncertainties rising, it is time to do something about this. So, here are some habits that can help you ensure financial security for the future.

1. Manage Your Budget

For a safe and secure future, having enough savings is always one of the biggest concerns. Going by the 50-30-20 rule is always a good idea, which suggests putting 20% of your income towards savings. Try to reduce your expenses by limiting the number of times you eat out or go on a shopping spree each month. Also, put a certain amount towards a savings account at the start of each month. A savings account can offer interest rates of up to 7.25%, helping you beat the inflation rate. There are also a number of different types of savings bank account, such as zero balance account and salaried person account. This ensures that there is something for every individual. Opening a savings account is also incredibly simple since you can even open one online.

2. Buy Insurance

You never know when you might encounter a medical emergency. Having the right health and life insurance is important for ensuring financial security. With the way medical costs are increasing, an illness could eat into your savings in no time. Apart from covering for medical costs, the premiums paid towards medical insurance can help you save on tax. Having home insurance is also a good idea.

3. Clear Your Debts

Clearing off all your debts is paramount for financial security. Whether it is a credit card debt or a bank loan, it is a good idea to try to repay it as early as possible. Always try to stick to your budget, and in case you have excess funds, use them to clear your liabilities. This also helps in improving your credit score, which can be extremely helpful. A credit score is basically a reflection of your financial decisions. A good credit score proves to be useful in case you need to seek a loan in the future. In fact, around 80% of all home loans are granted to those with a credit score rating of above 750.

4. Have an Emergency Fund

An emergency fund can help you handle unexpected financial needs efficiently. Although unfortunate, there is always a chance that you face a difficult situation, such as losing a job or your home getting robbed. An emergency fund can overcome such unexpected problems, without needing to dip into your savings. This fund can also be used to meet your long-term needs, such as starting a business.

5. Take Calculated Risks

Savings bank accounts are great for financial planning, but sometimes it is also a good idea to make investments that might be a bit riskier, such as mutual funds. When you do thorough research before investing in mutual funds, you can find one that offers great returns. You can also go the SIP route to reduce risk.

Remember, taking small but regular steps for financial planning, even with an online savings account, can go a long way in ensuring a secure future.

Tony Kakkar best songs suitable for a cheerful, long drive

Tony Kakkar is one of the most popular singers that people love today. The singer made his debut in the industry with his first cover song ‘Sawan Aaya Hai’ in the year 2014. Since then there is nothing that is stopping him from releasing a various unplugged version of popular Bollywood songs. Apart from being a talented singer, he is also a music director. He has also written many songs not only in Hindi but also in Punjabi. Tony Kakkar has launched his many video songs like Car main music Baja, and many more.

Dheeme Dheeme – Kartik Aaryan, Bhumi Pednekar and Ananya Pandya starring movie ‘Pati Patni aur Wo’ is trending all over the social media. Tony Kakkar gave his voice to the Dheeme Dheeme song while you will see Kartik and Ananya dancing on the beats. The song is going to be a party anthem this year, and it’s going to rock the clubs.
Coca Cola Tu – Coca Cola Tu is a song from the movie ‘Lukka Chuppi’. It’s a romantic comedy which is directed by Laxman Utekar. The song is another outstanding song by Tony Kakkar. The other singer that has accompanied Tony in this song is Neha Kakkar. The song has a peppy song, and you will see Kartik and Kriti dancing on the song.
Zindagi Mil Jayegi – It is another beautiful song by Tony Kakkar and Neha Kakkar. The music of the song and the lyrics of the song are written by Tony Kakkar. The song is written in the form of Gazal which creates the mood like the Pankaj Udas’s songs used to create. The lyrics of the song are the main appealing feature of the song, and Tony Kakkar has used his poetic style to make the lyrics impressive. It’s very refreshing to hear a song like this by Tony Kakkar. The song also has one verse sung by Neha Kakkar which adds beauty to the song.
Kuch Kuch Hota Hai – It’s another peppy number from Tony Kakkar. The song is composed and sung by Tony Kakkar. The song video has the backdrop of the school where his sister Neha Kakkar is also seen in school uniform. The song has some capturing lyrics, and youth is going to love it.
Sardi ki Raat – Sardi ki Raat is another beautiful song by Tony Kakkar. It’s a romantic song with lovely lyrics. Tony has written the lyrics and has sung the verses. The song was released under the label of Desi Music Factory.

4 techniques to keep muscle pain away from you

Muscle pain or myalgia is very common. Almost all of us have experienced it at some point in our lives. As muscle tissue is widely present everywhere in the body, the pain can be felt anywhere in the body. However, muscle pain has no single or definite cause. The most common are overuse and injury. Myalgia can also result from tension, stress and physical activity.

There are many medical conditions that can also cause muscle pain:

Fibromyalgia – Fibromyalgia is the pain that lasts more than three months.
Myofascial pain syndrome – It is the inflammation of the fascia present in the muscular connective tissue.
Infections – Some infections like flu, virus and bacterial also causes muscle pain.
Autoimmune disease – Disorders like Lupus, Polymyositis and Dermatomyositis also cause severe muscle pain.
Drugs – Some drugs like statin, cocaine and ACE inhibitors also leads to muscle pain.
Issues with thyroid – Hyperthyroidism and Hypothyroidism also cause myalgia.
Over exercise – The most common cause of muscle pain is over workout. Bodybuilders tend to lift heavyweight with an aim to make their muscle bigger. As heavy lifting breaks the muscle fibres, the fibres grow back with strong and dense. Many people who exercise regularly must have experienced muscle pain at some point in their life.

How to get rid of muscle pain?

Sleep – Most of us tend to skip our good night sleep for more ‘important work’ like work, watching a movie or socializing. But we hardly fibres that it is more taxing on our body than it looks. From many years lack of sleep was associated with drowsiness, weight gain, irritability etc. There are recent studies which have linked sleep deprivation to muscle and joint pain. Getting fibres can prevent your muscle pain to some extent.
Nutrition – There are some minerals and vitamins whose deficiency in the human body leads to muscle aches. Vitamin D and magnesium deficiency are the commonest reason for muscle pain. Muscle ache may occur when the potassium and calcium level in the body is too low. Low sodium also results in muscle cramps, spasms and weakness. Muscle pain treatment should include proper nutrition which can result in pain-free muscles.
Be active– Stretching can be very helpful in the chronic pain condition. However, stretching should only be done under the supervision of a physical therapist or an expert.
Avoid High – impact activities – High impact activities like high jumps, sprinting etc. also causes muscle pain. Avoid these activities if you want to lead a pain-free life.

Now that you have received the answer to your question ‘how to cure muscle pain’ it’s time to start following the above-given steps to stop your aching muscle.

Interlink to https://www.moov.co.in/en/adult/muscle-pain/

The pivotal role of probiotics in your kid’s health

Probiotics are the good bacteria, which help in maintaining a strong immunity system by fighting diseases naturally as well as keeping your gut healthy. The same is applied in case of kids who are highly benefitted from these and get a boost in the maintenance of their health through them.

Here are a few benefits, which are caused by probiotics in case of a child –

Natural remedy – probiotics serve as natural remedies for kids. They are one of the most widely used products when it comes to kids health
Treats bowel diseases – these probiotics can treat inflammations in the bowels due to germs or infects, which might take the form of a disease. Probiotics can also reduce the period of diarrhea.
Early consumption benefits – it has been proved that if probiotics are given to children in the beginning stages of their lives, then they can prevent the occurrence of constipation, colic and acid reflux in their future.

These are few of the numerous benefits that probiotics cause when inculcated in the meal plan for kids

If you have been wondering how to add probiotics in your child’s meal here are a few components, which would help you out –

Cheese – cottage cheese and fresh cheese serve to be the best suppliers of probiotics. Cheese is also a much-appreciated food ingredient amongst kids, and that is the reason why it is an easy choice to add in the daily meal plan of your child.

Yogurt – yogurt is another natural source of probiotics. It is also rich in other nutrients, which make it even more recommendable for your child’s nutrition. You can even add flavoring to yogurt or garnish it with berries and cherries so that your child likes it more and enjoys it while allowing the probiotic to enter their body.

Chewable probiotics – these are chewable tablet looking probiotics, which come in flavored and non – flavored forms. The flavored ones are more likely to be consumed by kids and can be given to them in the form of candies. There are various brands selling these tablets and they have a wide range of flavours, which can work their magic on luring your child to eat them without creating any fuss. This can be an option after a healthy meal for picky kids, who will unknowingly eat a tasty candy supplying them with essential nutrients.
Powdered supplements – if you have been wondering how to balance your child’s meal with all the other nutrients and these probiotics inculcated in the dishes you cook, then these powdered supplements have your back. They come in small sachets and are available in non flavored form so that you can add these to your dishes without rendering the original flavor of your dish.

These are some of the very common ways in which you can ensure that your child is getting a good supply of probiotics and their health is well maintained.

New Delhi: A potpourri of world cuisines

Delhi is not just the capital of India but a prime seat of culture and historical significance. The city is a huge metropolitan area towards the north of the country, with a population of more than 22 million. Emperor George V during the Delhi Durbar of 1911 led the foundation stone of the city. The city is also popular for its cosmopolitan environment and the delicious treats. Restaurants in New Delhi serve food from different world cuisines.

Delhi caters to the cravings of all gastronomes. Be it Italian or Chinese delicacies, Mexican or even African food; you can find them in the eateries in the city. The fine-dining restaurants within city limits make The Golden Triangle one of the most favourite tourist hotspots. Even the spicy delights from the kitchens of the homeland excite the taste buds.

The city is filled with restaurants that borrow recipes from all around the globe. A notable hotel is The Leela Palace New Delhi is famous as the best restaurant in New Delhi. Along with your favourite cuisines, the 5-star hotel is styled as a palace, offering great luxury and hospitality. The cultural heritage of the city can be seen reflected in the modern design elements of the palace. The hotel excels in a variety of cuisines, from contemporary and fusion to street food.

Tibetan Cuisines:

If you are looking to try out something different, places like Tibet Kitchen and Yo Tibet are great for delicacies like Tingmo and Shapta with some chilli chicken. The food will enliven any sad or gloomy moment.

German Dishes:

Zu Tisch is the go-to place for a good German dinner. The place specialises in all Bavarian dishes. You can try the Frikadelle mit Pommes Frites – pork meatballs served with potato wedges. It will be a decision you would cherish.

Mexican Recipes:

La Bodega is an amazing option for a Mexican menu. The yellow lights and pink flowers add a fresh take to the usual cafe decor. Tinga De Pollo Con Quesco or Dobladitas De Verduras are some of the most exciting dishes here. Mexitup is another eatery joint that can be a good destination for a Saturday afternoon.

Lebanese Treats:

If you want a taste of some Lebanese food, you can check out Zizo or Fez Mediterranean Bar. Cheese Kunafa, Chocolate Banana Manoushe or Lady’s Arm are some of the dishes you will enjoy. Grilled fish with potato salad will serve you good too.

If you are a foodie, several restaurants in New Delhi would be beckoning you. The list keeps going on and on.

Role of Debt Funds to Stabilize Your Investment Portfolio

A debt fund can play an important role in the asset portfolio. The main reason to invest in a debt fund is to earn capital appreciation and interest income. It is also known as fixed-income security as the interest rate and maturity period are pre-fixed by the issuer.

Debt funds are invested in government securities, corporate bonds, commercial paper, treasury bills, and other money market instruments based on the credit ratings. A higher credit rating implies that the issuer will pay the interest as well as the principal amount.

Asset Rebalancing is an exercise in which the equity-to-debt ratio is adjusted periodically to ensure that a balance is maintained in the risk-return ratio to balance the portfolio. Depending on the investment timeline and the percentage of risk an investor is willing to take, a certain percentage of investments are moved into the debt mutual funds.

The main role of a debt fund is to bring stability to the investment portfolio. By moving funds from the equity market to the debt market and vice versa, investors can gain an advantage of both the markets.

There are many types of debt-oriented mutual funds to suit the various requirements of investors. They are classified based on the maturity period of the instrument.

Dynamic Bond Funds

As the name suggests, the portfolio composition can be changed according to the fluctuations in the interest rates.

Income Funds

With an average maturity of 5-6 years, these funds are more stable than the dynamic bond funds. The investments are made in securities with extended maturities with a focus on the interest rates.

Liquid Funds

Liquid funds have the least investment risk as the investment is made for not more than 91 days. It is rare for a liquid fund to result in negative returns. Moreover, mutual fund houses offer immediate redemption of liquid funds, making them one of thebest debt mutual funds.

Short-term and Ultra Short-term Funds

Ranging from 1-3 years, these debt funds are not affected by the changes in the interest rate and are ideal for investors looking for short-term investments.

Credit Opportunities Funds

These are different from the regular debt funds as the investment is made based on the credit rating of the fund house instead of the maturity period.

Gilt Funds

Investment is made only in government securities to avoid the risk of defaulting fund houses.

Fixed Maturity Plans

These are close-ended debt funds and have a fixed investment horizon through which the money will be locked-in for a specified period. The investment can be made only during the initial period. These are tax-efficient investments; however, do not guarantee high returns.

Capital gains from debt mutual funds are taxable and based on the holding period of the instrument. Debt funds make a good alternative income and can act as a supplement to the salary.

How SIP proves most powerful for your investment portfolio?

In a nutshell, a SIP is a tool to create wealth systematically. It allows investors to invest some predetermined amount on a regular basis. The investments can be made monthly, weekly or quarterly in a mutual fund of the investor’s choice. If you wonder how SIP works in mutual funds, you can consider them as recurring deposits. The main difference is that the SIPs would be invested in a mutual fund scheme at a specified deposit and not in a bank deposit. Also, the investments made through SIPs are subject to market risks.

How do SIPs work?

A SIP is a regular investment that can help attain long-term objectives by building wealth over time. Investing in a SIP investment plan is very simple. After the investment interval has been chosen, the money would get debited automatically from the bank account at regular intervals and get invested in a mutual fund scheme. You would be allocated a certain number of units according to the ongoing market, also termed as the Net Asset Value (or NAV) of the fund. Units are bought at this market rate and added to your account every time.

SIPs offer financial discipline

Given the nature of investing, SIPs offer financial discipline and creates regular saving habits. It allows investors to invest regularly without thinking about market sentiment and index level. If you were to invest separately every month, you would need to worry about timing the market. You might even think about postponing your investments. SIP puts an end to these worries. The money is invested in schemes at regular intervals.

Rupee-Cost Averaging

If you are wondering how SIPs generate wealth even without timing the market properly, it has got to do with averaging out the cost at which units of a mutual fund are purchased. The stock is volatile, has always been and would continue to be so. It reflects the condition of the economy. An efficient investor would buy at lows and sell at the highs. He would be buying more units at lower prices and fewer units when the prices are high. Through a SIP, you would be mirroring this style. This is how SIP works in mutual funds.

How are SIPs beneficial?

First of all, you would learn more about disciplined saving through a SIP. By investing through SIP, you would be committing to saving regularly. Every investment would take you a step closer to your financial objectives. Also, the process of investing through a SIP is quite hassle-free. You could be instructing your bank to facilitate auto-debit from your account. You can visit the website of the fund house and choose the fund you want to opt for. The benefits of compounding and rupee-cost averaging are also there. Also, you would not worry about timing the market.

So whenever you invest through a SIP, you win. The longer you invest, the greater corpus you would create.