Author: Naresh Saini
Naresh Saini
Naresh Saini, a graduate with over 10 years of experience in the insurance and investment sectors, specializes in covering topics related to insurance, investments, and government schemes. His expertise and passion for the financial industry allow him to provide valuable insights, helping readers make informed decisions. Naresh is committed to delivering clear and engaging content in these fields.
Warren Buffett, one of the world’s most successful investors, is known for his timeless advice on wealth-building and investing. At 94, Buffett’s simple yet profound approach to investing has earned him the title of the “Oracle of Omaha.” Following Buffett’s guidance can provide clarity and confidence for those aiming to grow their wealth in the stock market. Here are Buffett’s top five investment mantras, each essential for anyone looking to create lasting success in the stock market. 1. Don’t Keep Excess Cash—Invest It Wisely Buffett emphasizes that cash loses value over time due to inflation. Instead of holding cash, he…
Systematic Investment Plans (SIPs) are an excellent way for investors to build wealth over time, no matter how the markets perform. By regularly investing a fixed amount, SIPs provide a disciplined approach that can yield significant returns through the power of compounding. However, some essential tips and strategies can make a significant difference in your SIP mutual fund returns. Here are 10 easy-to-follow tips to help you get the most out of your SIP investments. 1. Start Early to Maximize Compounding Benefits Starting your SIP investment as early as possible can significantly increase your returns over time. Compounding, or earning…
Car insurance is essential for every vehicle owner, not only because it’s mandatory but also because it provides a financial cushion against road accidents or other damages to the car. However, many people are unaware that insurance claims can be rejected if certain conditions aren’t met. In this article, we highlight common mistakes that can lead to a denied claim, so you can avoid financial setbacks and ensure smooth claim processing. Driving Without a Valid License One of the most critical requirements for a valid car insurance claim is possessing a legal driver’s license. Insurance companies in India won’t approve…
The Central Government Health Scheme (CGHS) provides government employees and pensioners with free or low-cost healthcare services, including at private hospitals empaneled with the scheme. Established in 1954, CGHS was created to ensure affordable and accessible healthcare for central government employees, retirees, and their families. By using the CGHS card, beneficiaries can access specialized treatments, medicines, and services at approved hospitals without paying upfront costs. This guide explains how CGHS cardholders can access treatment at private hospitals, eligibility criteria, the process for claims, and steps to apply for a new CGHS card. What is CGHS? Understanding Its Benefits Under the…
Every November, retired central government employees need to submit their life certificate to continue receiving pensions without interruption. This year, the Department of Pension and Pensioners Welfare has made the process easier than ever with a Digital Life Certificate (DLC) Campaign 3.0. Running from 1st to 30th November, this campaign aims to support pensioners nationwide in submitting their life certificates digitally. Here’s how you can submit your life certificate online from home, quickly and easily. What is a Life Certificate? A life certificate is an annual requirement for pensioners to prove they are alive to the institution managing their pension,…
Elections are a regular feature across India—whether it’s for the Lok Sabha, the state assemblies, or local municipalities. Voting is a fundamental right, but to cast your vote, you must be at least 18 years old, and your name must appear on the official voter list. This guide will walk you through how to apply for a new Voter ID card easily and conveniently, especially for those applying for the first time. If you’ve just turned 18 or have reached voting age but don’t have a Voter ID, don’t worry—it’s a straightforward process you can complete online without visiting any…
The Government of India introduced the Ayushman Bharat scheme in 2018, aiming to provide free treatment up to Rs 5 lakh for eligible citizens. The scheme uses the Ayushman Card, which grants access to cashless treatment at various government and private hospitals. But alongside the Ayushman Card, the government has also rolled out the Ayushman Bharat Health Account (Abha) Card. Many people wonder if this new card also offers the same insurance benefits as the Ayushman Card. Here’s a closer look at what the Abha Card offers and how it’s different from the Ayushman Card. Is Free Treatment of Rs…
As 2025 approaches, retail investors must build a solid investment plan that can withstand global uncertainties and deliver steady returns. The stock market has shown impressive growth over the past few years, boosting investor confidence, but a mix of caution and strategy is necessary in the face of current global events. Here’s a look at the investment strategies to consider for the coming year. Keep Your Expectations in Check as Markets Remain Volatile The Indian stock market has performed well recently, but it’s wise to adjust your expectations. Global factors like the U.S. presidential election, ongoing Middle East tensions, and…
Credit cards have evolved far beyond shopping and bill payments; they’re now a convenient option for paying insurance premiums as well. Many insurance companies and banks allow policyholders to use credit cards to cover premium payments, making it easier to manage policies while also enjoying credit card rewards. Here’s how you can set up and manage insurance premium payments using your credit card. Benefits of Paying Insurance Premiums with a Credit Card Using a credit card for insurance payments offers several advantages: While there are benefits, it’s essential to pay the credit card bill on time to avoid interest charges.…
The government has recently extended the benefits of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) to cover senior citizens above 70 years of age under a new scheme known as the Ayushman Vaya Vandana Card. This card provides Rs 5 lakh in health insurance coverage, allowing citizens aged 70 and above to access free treatment in hospitals across India without any income restrictions. Here’s everything you need to know about the Ayushman Vaya Vandana Card, including the easy steps to apply from home using your Aadhaar and the Ayushman App. What is the Ayushman Vaya Vandana Card?…