Author: Naresh Saini

As domestic and international travel becomes more common, travel insurance has become essential for safeguarding against unexpected disruptions. From a medical emergency abroad to a canceled flight due to unforeseen circumstances like a bomb threat, travel insurance provides peace of mind and financial protection. Here’s everything you need to know about travel insurance options, coverage, and what to look for when buying a policy. Why Travel Insurance Is Important Travel insurance can protect travelers from expenses incurred due to unforeseen delays, cancellations, or emergencies. While airlines must often provide compensation for delays or cancellations, this doesn’t apply in situations outside…

When it comes to tax-saving investments, the Tax-Saving Fixed Deposit (FD) and the National Savings Certificate (NSC) are two reliable options in India. Both offer guaranteed returns and tax benefits under Section 80C, making them attractive for individuals seeking safe, tax-efficient investments. But which one provides better returns? Let’s dive into the details to help you choose the best investment for your financial goals. Overview of Tax-Saving FD A Tax-Saving FD is a type of fixed deposit that offers tax exemption under Section 80C of the Income Tax Act. With a five-year lock-in period, this FD is designed specifically for…

The National Pension System (NPS) is a government-backed retirement savings scheme aimed at helping Indians accumulate a secure retirement fund. NPS offers various benefits, including significant tax deductions, a diversified investment structure, and the advantage of compounding. If you’re starting your career and planning early, NPS can be a great way to work toward a stable monthly pension post-retirement. Here’s a closer look at how much you’d need to invest in NPS if you aim for a monthly pension of ₹1.5 lakh. Why Choose NPS for Retirement Planning? NPS offers several advantages for those aiming to build a long-term retirement…

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…