winning

The 376 page book offers deep insights that will change the way people think about work and is a must read for people at every level. According to Bill Gates, chairman, Microsoft Corporation this book gives: "A candid and comprehensive look at how to succeed in business - for everyone from college graduates to CEOs."

Bollywood's major makeovers

Ranbir Kapoor has adopted a totally new look in his new film, Rocket Singh: Salesman Of The Year. And at quite an early stage in his career too.
Rocket Singh -- directed by Shimit Amin (Ab Tak Chappan, Chak De! India) -- sees Ranbir dressed up as a Sardar

Life insurance premium FAQs

Sameer P was happy that he had finally shrugged off his boredom and managed to buy a term insurance policy for himself. This will help his family get an agreed amount in case of his untimely death. But when his friend Rajesh asked him about the insurance premium he had paid to his insurance company Sameer drew a blank.
He had no clue that the money he paid to service his term insurance was called as 'premium' and he will have to make this payment every year so that his policy does not lapse.
Having realised that his friend hardly knows anything about premiums Rajesh decided to give him a primer on premiums. Here's how Rajesh simplified the matters for Sameer, and the latter, at the end of it, was a much relieved man.
Where should you pay your premium? Is there a way in which your premium can be paid automatically?
You can pay your life insurance premium through any of the following channels:
Insurance offices: Main office or branch offices
The Internet: Through banks that your insurance company has tie-ups with
The bank: You can provide your bank with standing instructions (auto-pay) to debit your account as and when the insurance premium becomes payable, or use phone-banking facilities
Authorised service providers such as BillJunction.com or BillDesk.com
What if you forget to pay your premium?
Usually, you would receive a notice from the insurance agent and the insurance company reminding you about your due premium payment. However, if you don't receive the reminder, you cannot hold the insurance company responsible; the loss as well as the responsibility to pay your premium before the due date is yours.
An insurance company usually provides a 30 days grace period (15 days if the payment mode is monthly) during which the premium has to be paid. However, if the policy lapses due to non-receipt of premium within the first three years, it can be revived within two years from the lapse date. The insurance company charges interest for the deferred payment of the policy and has the right to accept or decline reviving the policy.
Several schemes exist to revive a policy; for example, in the case of a money-back policy, the survival benefit under the policy (the money receivable from the insurance company at regular intervals) can be used to pay premium plus interest.
The point is to remember you are taking a chance with your family's future by being negligent. And you and/or your family could pay for the consequences, literally.
What happens if a policy lapses?
A life insurance company provides the insured with a grace period of 30 days, that is, a period of 30 days after the start date of the policy. The insured can pay premium on any day during this grace period. In case the insured dies during the grace period, the insurer is liable to pay the death benefit to the nominee less any amount outstanding (including the unpaid premium). This provision helps the insurer to minimise the risk of policy lapse unintentionally.
In case the insured has not paid premiums after the grace period, the policy lapses. However, a lapsed policy can be reinstated within a certain period. The insured has to pay the insurer the accumulated due premium with interest, as well as provide a good health statement. Insurance companies offer many procedures for the insured to revive her/his policy.
In the event the insured dies and the policy lapsed within three years from the date of commencement of the policy, then the insurance company is not liable to settle such claims.However, some concessions are available and payments of claims are made, that include the following scenarios:
If the insured had paid premium for at least three years and thereafter if premiums have not been paid, the nominee would receive a proportionate paid up value
If premium has been paid for a minimum term of two years and if the insured dies during the term of the policy
Within three months from the date of first unpaid premium, the full sum assured along with bonus is payable less the unpaid due premium and the premium that falls during the policy anniversary
Between three to six months from fully unpaid premium, only 50 per cent of the basic sum assured is payable
No bonus is paid and no arrears of premium are received between six months to one year from fully unpaid premium
I have not paid premium for a few years. Do I get anything back from the insurance company?
The insurance company provides a grace period during which you can pay the premium and keep the policy in force. For a regular premium paying policy, premium has to be paid within 30 days of the due date (15 days if the payment mode is monthly).
If it has been less than three years since you purchased your policy and not paid premium, you may not receive any money back from the insurance company.
If you have paid premium for more than three consecutive years, then a surrender value could be payable to you. However, this would vary by company and plan type. Typically, the surrender value depends on the:
Type of policy
Amount of premium
Policy term
Number of years for which the premium has been paid and
Accumulated bonus, if any
What do you do if you lose/misplace your insurance policy?
If you think the policy is lost or misplaced, do check again at your residence, office, among your investment papers, and verify with your insurance agent as well. Recollect and confirm if you have pledged it with your insurance company/any other financial institution.
You need to apply for a duplicate policy from the branch that services you. Upon due diligence, the insurance company will provide you with a duplicate policy after paying the necessary fees and executing an indemnity bond. (In order to facilitate the verification process, you could provide the company with a premium receipt and identification proof).
In case the policy has been partially destroyed due to natural causes like, fire, flood, etc, the remaining portion may be returned as evidence of loss of policy.
Will your premium amount increase after you have purchased a policy?
An insurance policy is a contract or an agreement that you enter into with the insurance company. The premium is a fixed price that you are willing to pay in order to remain insured for the term of the policy. Thus, the insurance company cannot increase the same at a later stage (unless you have defaulted on your premium dues, for a long period).Can I obtain a loan on my policy? If so, when can I avail it and what would be the maximum amount I can avail?
No loan is available on term plans. However, a loan is available in case of most policies with profit/bonus/guaranteed additions. It is also available on unit-linked plans. However, it is always prudent to verify such details in the brochures and the plan.
A loan may be available within one to three years of the commencement of the policy, depending on the plan and the insurance company.
The loan amount depends on the type of policy, the premium amount, the term of the policy and the number of years the premium has been paid.
Approximately 75 per cent to 90 per cent of the surrender value of the policy is available as a loan, at the prevailing rate of interest. The sum can be repaid in part or in full at any time during the term of the policy. If the loan is not repaid, it will be deducted from the proceeds of policy.
Courtesy

Earn Lakhs of Rupees by Investing Just Rs.140 in less than 10 days?

One of the Greatest Earning Opportunity for Home workers, Part time jobbers, Net Surfers, Network Marketers to earn Extra Money from Home Comfort Are you looking for a home job opportunity that you can do from your Home ? Do you want to earn extra income by working in spare time ? Do you have little Internet knowledge ? Do you want to earn money for free ? If your answer is yes, then you have come to the right place. Process Emails on the net and earn high income from home. Work without leaving your present job. Work Part Time only, no need to work full time. Work from Home or Office. Work in your spare time. Enjoy Personal Freedom and Financial Independence. We are offering Home based Internet job work opportunity to everyone those who want to earn extra income in their spare time using their computer and internet knowledge. For more information please visit:-www.rajesh.cash2all.com

Earn Lakhs of Rupees by Investing Just Rs.140 in less than 10 days?

How I Earn Lakhs of Rupees by Investing Just Rs.140 in less than 10 days?
Read this page Carefully to become a Millionaire in just 10 days ! This can change Your life. Get your own Dream House.Drive your Favorite car. Enjoy your World tour.
Dear Internet Friend, Give me 7 minutes. I will show how to become a Millionaire.
Anybody will think twice before investing their hard earned money in any company or business. But if you are told that you will get Lakhs in 10 days, will you believe it? But it is absolutely true!!. Are you ready to spend just Rs.140 to earn Lakhs in 10 days? After all Rs.140 can get you just 2 cinema tickets+2 pop corns.
First of all, This system is 100% legal and 1000% successful. This is not a Scam or Fraud way of making Money. This system of making money is very simple than any other system in the Internet. You can see the result in less than 10 days. This system had already made many Millionaires in India. Why not you be the next Millionaire ?
Let me Explain you this simple, powerful business concept.
This is not a MLM or Money chain program.
First you need to Invest Rs.140/- only. If you think to invest Rs.140 for this system, then let me tell you one thing, this amount can get you only 2 cinema tickets + 2 pop corns. If you want to become a Millionaire you can skip one Sunday movie. By next Sunday you go to the movie in the car.
For this Rs.140, you will get "Internet Money making E-books" which worths more than Rs.10000.
Please follow the steps below to implement this program.
1) First you need to send Money Order (MO) for 20 rupees each of the 7 members to the addresses mentioned below.
2) The first 2 addresses are the Admins, who take care of creating your website and other maintenance activities which includes your website Hosting and administrative cost. Rest of the 5 addresses are the member's address, who joined by investing Rs.140.
3) Once you send the Money Order (MO) to all the members, we will set up a website with your name. You will get a website similar to the one you are reading now (www.yourname.cash2all.com).
4) In your website (www.yourname.cash2all.com), we will place your address at #5 position. The #1 position address will be deleted and #2 becomes #1. Now #3 becomes #2. Similarly #4 becomes #3 and #5 becomes #4 position. Finally your address will be placed in #5.
What will happen when you joined and placed in #5 position? Well. Your doubt is absolutely correct. Once you become a member, you will be provided with all the marketing tools and softwares to promote your website (www.yourname.cash2all.com) in the internet. If someone reads your website and if he is interested like you, they will send Money Order (MO) to you and all the addresses mentioned in your website (www.yourname.cash2all.com). At this stage your address will be moved to #4 position and a new member will be at #5 position. Now the #5 position member will do the same kind of marketing like you do and still you get Money Order (MO) as you are in #4th position.
Let's do a simple calculation "How you can be a Millionaire". ( Please read this calculation until you understand )
If you just recommend only 10 members. (A very low example) then you make Rs.200 with your name at #5 position on the website. Now, each of the 10 persons who just sent you Rs.20 each , refers the MINIMUM 10 persons, each with your name at #4 position, and that is another Rs.2000 for you. Now those 10 each refers MINIMUM 10 persons with your name at #3 position and It will bring Rs.20,000!. Now, those 10 persons turn around MINIMUM 10 persons with your name at #2 position and you will make an additional Rs.2,00,000! OK, now here is the fun part, each of those 10 persons refers 10 with your name at #1 position, then you just made you Rs.20,00,000!!! A MILLIONAIRE.!!!! That is YOU!!! And all this with only 10 response. Imagine in case you refer more than 10. Sky is the limit. With an original investment of only Rs.140! AMAZING! You can too become a Millionaire.
You can also see the earnings chart given below*
Your Position
No. of members referred by you
Your Earnings
#5
10 members
10 X Rs.20 = Rs.200
#4
10 X 10 = 100 members
100 X Rs.20 = Rs.2000
#3
100 X 10 = 1000 members
1000 X Rs.20 = Rs.20000
#2
1000 X 10 = 10000 members
10000 X Rs.20 = Rs.200000
#1
10000 X 10 = 100000 members
100000 X Rs.20 = Rs.2000000* The above Results may increase or decrease based on individuals effort
Do you think that this Program will Work? And can I also be a Millionaire? The thing to remember is, that thousands of people all over the world are joining the internet daily and reading these articles everyday, JUST LIKE YOU are now!! Reports have said, that nearly 30,000 Indians join every day in the Internet. Out of that nearly more than 60 of people are joining in internet only in search of earning opportunities. So you have a very good background to work on. We have a lot of potential to earn. Another Report says, that Internet users are increasing 5 times more every year. I have analysed all the reports and surveys and they all answer only in favour of us. This program don't demand Rupees 5,000 or 2,000 or 1,000 or 500 like others do. Apart from all this, I have made Rs.2,12,000 within 2 weeks. So you can join this program without any doubt and I am sure that you will also be a millionaire soon.
Please follow the Instructions to join this program.
Step 1) Write down all the 7 addresses given below in a plain paper.
Step 2) Go to the nearest post office and make 7 money orders, 20 rupees each.
Step 3) There will be a space in the Money Order (MO) form called "Space for communication". In that space please write the below details very clearly. (Please avoid writing in running letters to avoid confusions. Write it very neatly and clearly)
Write your Name
Write the website address that you are currently viewing. That is www.rajesh.cash2all.com
Your Email address.
Step 4) Send an Email to admin@cash2all.com with the subject " Add me in #5 Position" with the following details.
Write your Name
Write the website address that you are currently viewing. That is www.rajesh.cash2all.com
Money Order Form Numbers (Mention the all 7 Form numbers)
Your Postal address and your telephone number. Please be careful in writing your Postal address. Because for this address only you will receive money orders.
Step 5) Once we confirm your payment details, We will send an Email which contains all the instructions on how to start the business. What we do once you make payment to all the 7 members ?We will create a website similar to the one you are reading. (www.yourname.cash2all.com.This website address will be sent by Email ) . This website contains your address at #5 position. You will also get "Money making ebooks link" and Internet marketing tips and ideas. We will provide you around 200 classifieds website list. You can use this to advertise your website. (www.yourname.cash2all.com).
Below are the 7 addresses ( 2 Admins + 5 Members ) where you need to send Money Order (MO) for 20 rupees each.
Admin 1)
M.RAJA, NO,72, A.K.NAGAR, N.G. ROAD, SAIBABA COLONY, COIMBATORE, 641011
Admin 2)
M. Dhanraj, 369 Sanyasikundu Main Road, kitchipalayam, Salem - 636015. Tamilnadu.
Member addresses who joined before you.
#1)
MD.SAJID,s/o MD.JAFFER,H.No: 52/10 A , UPSTAIRS ,FORT, KURNOOL - 518001,ANDHRA PRADESH.
#2)
Rasiq Hasnain Tamkin,s/o Riaz uddin,Totadamane,Gullanpet post, Chickmagalore(dist)-577111,Karnataka.
#3)
Mohammed Ali S/O M.Jaffer P.C 610, Q.No 18, 'B' Block, Shanti Nagar Police Quarters, Shanti Nagar,Gulbarga,Karnataka-585102.
#4)
Rakesh Pandita,S/o Bushan Lal Pandita,Nr. Shardha Bhawani Mandir,Opp Govt. School, Akal Pur Morh,Ghoumanasa Road, Pounicheck,Jammu (J&K) --180004.
#5)
RAJESH MISHRA, G-10,ASSOCIATED APTS, I P EXTENSION, PATPARGANJ SOCIETY, NEW DELHI-110092.
Will this program be stopped at any time?It is not possible to stop this program in India because everyone is trying to earn extra cash and opportunities. A big percentage of housewives, retired people and students are looking for extra cash and this human urge will never stop. This small little investment plan makes it possible for everyone to join. We can make big money working in a community and not as individuals.
This a team work where every one gets benefited by helping each other.
Don't Miss this Great, Simple, Powerful Earning Opportunity.
Today is the right time to start. If you skip today, you may lose thousands of rupees in a single day.
Always for your Success,
Mr. Dhanraj
If you have any doubts, clarifications, feel free to contact by admin@cash2all.com or Online Chat or through Phone.
Online Chat Support
Phone Support09894226764

All the Best ! Happy Earning !!!!

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