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Not today Justin
YOU ARE THE REASON
2025 on Tumblr: Trends That Defined the Year
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PUT YOUR BEARD IN MY MOUTH
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@personal-finance8
If you don't have term insurance
Aaj k samay - If you don't have term insurance, then you don't have a financial cushion. Even Govt of India is encouraging people to get insured so that no financial setbacks happen in your family's financial future.
Aaj k samay - If you don't have term insurance, then you don't have a financial cushion. Even Govt of India is encouraging people to
Top Tips for Buying Health Insurance for Senior Citizens / Parents
Planning to buy health insurance for your senior citizen parents? Here are a few key tips to help you make the best decision: ā Don't delay! The older your parents get, the more complex and expensive it can be to secure coverage. ā Look for comprehensive coverage that addresses a wide range of ailments, as older adults are more susceptible to various health issues. ā Consider a separate plan for your parents instead of adding them to your family floater. Health insurance costs often increase with age and pre-existing conditions. ā If affordability is a concern, a small deductible (around Rs. 50,000) can help lower premiums while still providing protection against significant medical expenses. Taking care of your parents' health is essential. By following these tips, you can ensure they have the coverage they need to stay healthy and financially secure.
HDFC Life Click2Protect Super Review
Content Summary: The video reviews HDFC Life Click2Protect Super, a popular term insurance plan in India.
Key Points Covered: ā Benefits: Increasing cover, life stage option, accidental death benefit, spouse cover, terminal illness benefit, smart exit benefit. ā Riders (Add-on Benefits): Waiver of premium on critical illness (CI) and disability, critical illness riders (covers 60 or 19 critical illnesses), income benefit on accidental disability rider. ā About HDFC Life: Established life insurer with strong brand equity. ā Operational Metrics: Strong track record, high claim settlement ratio (over 98%), low claim complaint volume. ā Pros: Comprehensive coverage options, good riders, strong insurer. ā Cons: Potentially expensive compared to other plans, lengthy application process. ā Conclusion: A good term plan option if affordability is not a major concern and if you are patient with the application process. Topics Covered In This Video ā HDFC Life Click2Protect Super Detailed Review ā HDFC Life Click2Protect Super Honest Review ā HDFC Life Click2Protect Super Review ā HDFC Life Click2Protect Detailed Review ā HDFC Life Click2Protect Honest Review ā HDFC Life Click2Protect Review ā HDFC Life Click2Protect
We've got you covered!
Need to file a health insurance claim? We make it EASY! ā We file, follow up, fight for YOU! Algates Insurance
āāāāāāāāāāāāāāāāāāāāāāāāBook a call - www.algatesinsurance.ināāāāāāāāāāāāāāāāāāāāāāāāNeed to file a health insurance claim? We make it EASY!
I don't want to play with you anymore š
The feeling of disappointment many have experienced, when something expected to go smoothly, doesn't.
In this meme, the customer is surprised to learn their term life insurance application has been rejected.
That's the reason it is advised to; [1] Take term policy early when you're young and healthy. [2] Don't hide any information in your policy document.
Remember - Term life insurance is for your family.
hashtag#LifeInsurancehashtag#FinancialPlanninghashtag#WeekendVibes
I don't want to play with you anymore š The feeling of disappointment many have experienced, when something expected to go smoothly, d
How Much Health Insurance Do You REALLY Need?
Confused about health insurance coverage? Don't worry! This video gives a quick breakdown on what amount might be right for you, considering city tier and treatment costs. #healthinsurance #healthcare #shorts
āāāāāāāāāāāāāāāāāāāāāāāāBook a call - www.algatesinsurance.ināāāāāāāāāāāāāāāāāāāāāāāāConfused about health insurance coverage? Don't worry!
What is Claim Settlement Ratio?
Claim Settlement Ratio (CSR) is a crucial metric used in the insurance industry to evaluate the performance of insurance companies in settling claims. It represents the percentage of claims settled by an insurance company against the total number of claims received during a specific period, usually within a financial year. The formula for calculating Claim Settlement Ratio is:
Claim Settlement Ratio=Number of Claims Settled/Total Number of Claims ReceivedĆ100%
Claim Settlement Ratio=Total Number of Claims Received/Number of Claims SettledĆ100%
A higher Claim Settlement Ratio indicates that the insurance company is more efficient and reliable in processing and settling claims. It signifies the insurer's ability to honor the policyholder's claims promptly and fairly. A low CSR may indicate potential issues such as delays or denials in claim settlements, which could affect the reputation and trustworthiness of the insurance company.
It's essential to consider other factors along with CSR when evaluating an insurance company, such as customer service, product offerings, financial stability, and overall reputation.
#ClaimSettlement #CSR #HealthInsuranceāāāāāāāāāāāāāāāāāāāāāāāāBook A Call with Us ā www.algatesinsurance.ināāāāāāāāāāāāāāāāāāāāāāāāClaim Set
You'll loss 7 CRORES I Watch this before it's too LATE
The Shocking Power of Compound Interest Explained (Start Investing Now!) Ever heard about compound interest but not sure what it really means? Money growth tips - This video breaks it down simply: The earlier you start investing, the more your money grows thanks to the magic of compounding! See how a 14% CAGR can turn a Rs. 20,000 monthly investment into a HUGE difference between starting at 30 vs 40 years old. Don't wait any longer! The best time to invest was yesterday, but the next best time is NOW! Click here to watch and learn how to unlock the power of compounding for your future!
#compoundinterest #investing #finance #personalfinance #moneytipsāāāāāāāāāāāāāāāāāāāāāāāāBook a call - www.algatesinsurance.ināāāāāāāāāāāāāā
Savings + FD at ONE place - Auto-sweep Account Tired of Low Savings Interest? Here's How to Fight Back! Is inflation eating away at your savings account? It doesn't have to! This video reveals a secret weapon offered by most banks: the auto-sweep facility. Auto-sweep boosts your savings without locking your money away. Learn how it works and watch your money grow faster than ever before! #grow #money #savings #fdladdering
āāāāāāāāāāāāāāāāāāāāāāāāBook a call - www.algatesinsurance.ināāāāāāāāāāāāāāāāāāāāāāāāTired of Low Savings Interest? Here's How to Fight Back
1.25 Lakhs p.a. with 50:30:20 I Rule of Budgeting I 50-30-20
First salary - Use 50:20:30 budgeting rule
Congratulations on receiving your first salary! š It's an exciting step towards financial independence. If you're new to personal finance and budgeting, you're in the right place. In this video, we'll guide you through the essential steps of creating a solid financial plan using the popular 50/20/30 budgeting rule.
š Monthly Budget Planning: Managing your finances effectively is crucial, especially when you're just starting your career. We'll break down the process of creating a monthly budget that works for you, helping you allocate your income wisely.
š¼ Budget Rule 50/20/30: Ever heard of the 50/20/30 budgeting rule? It's a simple yet effective way to divide your income into three main categories: needs, savings, and wants. We'll explain how to apply this rule to your budget and provide practical examples.
š± Personal Finance for Beginners: If personal finance sounds intimidating, don't worry! Our aim is to make financial planning easy to understand, even if you're a beginner. You'll learn the basics of money management and how to make informed decisions about your finances.
šø Financial Planning: Building a strong foundation for your financial future starts now. We'll discuss the importance of setting financial goals, creating an emergency fund, and exploring different investment options to secure your long-term stability.
Whether you're wondering how to cover your bills, save up for your dreams, or simply gain control over your finances, this video is tailored for you. Join us as we embark on the journey of responsible money management and lay the groundwork for a brighter financial future.
š Don't forget to like, subscribe, and hit the notification bell to stay updated on our latest financial tips and advice for beginners. Let's take the first step towards financial success together!
First salary - Use 50:20:30 budgeting rule Congratulations on receiving your first salary! š It's an exciting step towards financial indepen
Where to Invest I Index Funds I Beginners Guide
Where to Invest for Beginners? How to get started with investment? Is it good to invest in Index Funds? Let's answer these question in this video below.
Diversification is a key element of a balanced portfolio. There is a plethora of investment options to choose from and it is a good practice to invest your funds across different asset classes. An Index fund is like a mutual fund and exactly imitates an index (e.g., Nifty 50, Bank Nifty, Nifty Midcap, etc.). It thus helps in diversifying your investment and mitigates the risk of your equity portfolio.
Where to Invest for Beginners? How to get started with investment? Is it good to invest in Index Funds? Let's answer these question in this
Reach 1 CRORE through SIP I 3 Strategies
MAKE 1Cr with 15K investment I 15-15-15 Rule of Mutual Funds
An SIP or systematic investment plan is a popular and effective investment strategy to build wealth.
Many investors think in terms of 1 crore SIPs as their goal which I will discuss in this video about various SIP combinations that can help you achieve your financial goals especially that 1 crore Mutual Fund goal.
Wealth-building is a combination of three factors 1) the capital you put in i.e. our monthly SIP investments, 2) the return or yield we receive on our investment and 3) the time we give to these investments to compound
Now, the famous thumb rule for 1 crore SIP is the 15-15-15 i.e. invest 15,000 rupees every month, in an instrument that gives 15% returns per annum and to do it over 15 years. Effectively you have a 1 crore Mutual Fund plan for 15 years.
But then, there are more such combinations such as
a) you can look at 20-12-15 i.e. invest 20000 a month at 12% return for 15 years and you still create a wealth of 1 crore rupees
b) you can also try a 10-12-20 i.e. a monthly SIP of 10000 rupees in a mutual fund giving 12% returns and for a period of 20 years. So now you have a 1 crore SIP plan for 20 years
I'm certain this video on how to earn 1 crore through SIP will be helpful to you whether you are a noob investor or a professional one and you will be able to use it in building your own investment portfolio and in tracking your progress.
MAKE 1Cr with 15K investment I 15-15-15 Rule of Mutual FundsAn SIP or systematic investment plan is a popular and effective investment strat
HOW to DOUBLE your Money I Rule of 72 I Compound Interest
HOW to DOUBLE your Money I Doubling Your MONEY I Rule of 72 I Compound Interest
In this quick and informative #shorts video, we dive into the Rule of 72, a powerful tool for anyone looking to double their money through investments. The Rule of 72 is a simple formula that helps you estimate how long it will take for your money to double at a fixed annual interest rate. Whether you're new to investing or a seasoned pro, understanding this rule can be a game-changer for your financial goals.
In Fixed Deposits, the rate of return is 6% so your money will double in 72/6 = 12 years In Mutual Funds, the rate of returns in 9% so your money will double in 72/9 = 8 years In Equity, the rate of returns is 12% so your money will double in 72/12 = 6 years.
HOW to DOUBLE your Money I Doubling Your MONEY I Rule of 72 I Compound Interest In this quick and informative #shorts video, we dive into th
This is INSANE! 40% p.a. interest rates on CREDIT CARDS
Don't Fall Into This Trap I Minimum Amount Due I Credit Cards
Topics Covered in this video:
Credit Card Debt Trap what is minimum amount due what if i pay minimum due amount of credit card what is minimum amount due in credit card bill paying minimum amount due on credit card what is the minimum due amount in credit card minimum due amount credit car what is credit card minimum amount due credit card minimum due amount means credit card minimum due amount means telugu credit card minimum due amount means tamil
Don't Fall Into This Trap I Minimum Amount Due I Credit CardsTopics Covered in this video:Credit Card Debt Trapwhat is minimum amount duewha
100-Age Rule | Asset Allocation Rule
The ā100 minus your ageā rule is another asset allocation rule. 100 minus your age gives you the percentage in equities with the balance going into low-risk bond assets.
For example, At age 30 you need 70% equity and 30% bonds. For age 50, equity comes out at 50% and bonds 50%.
The idea is that as you get older you move out of equities and into lower risk bonds. Advisors call this de-risking or life styling. Received wisdom is that in later life having a high proportion of equities creates a hazard to income, if the short term value of the portfolio suddenly moves up or down in value as a fund canāt recover.
100-Age Rule | Asset Allocation RuleThe ā100 minus your ageā rule is another asset allocation rule. 100 minus your age gives you the percent
Create your EMERGENCY Fund | Funds To Sustain BANKRUPTCY
Are you a person who's living paycheck to paycheck? If yes, then this video will change your way of thinking. Uncertainty and Unforeseen circumstances are part and parcel of life, which you can't deny. But an unfortunate event like job loss, business bankruptcy or cybertheft may lead you to financial insecurity. You never know which type of Covid virus is waiting in the nearby future which may eat up your job. In that case, build a small corpus which is 6X of your salary will save you from a big financial tragedy.
Create your EMERGENCY Fund I Funds To Sustain BANKRUPTCYAre you a person who's living paycheck to paycheck? If yes, then this video will cha
AVOID Credit Card DEBT Trap
Credit cards are designed to keep you in debt forever. Donāt fall into the trap of credit cards. Carrying credit card debt with high interes
Credit cards are designed to keep you in debt forever. Donāt fall into the trap of credit cards. Carrying credit card debt with high interest rates is never good. Now's the time to take control of your financial future. Don't let high-interest rates hold you back. Understand the tricks used by credit cards and other lending platforms, which lure you to spend more with credit cards.
Understanding their tricks is important and so, here's a list of tricks that Credit Card uses to lure you into their debt trap.
[1] Credit Card Limit Increase = More Spending [2] Debt Trap = 24 - 36% p.a. interest rates [3] Paying Minimum Amount Due = Only waived of interest from the principal [4] More no of CCs = Greater Risk of Missing Payments [5] 0% EMI = *Hidden charges [6] Cash Withdrawal = No Interest Free Period [7] Offers on CCs = More spending with hidden charges [8] Multiple Fees = Levied on missed payments, exceeding the credit limit or cash withdrawal [9] FOMO Credit Score = Maintain good score by encouraging to spend more.