Saturday, March 29, 2014

MohansPage

Happy to announce the launch of my website titled as above.

The site will provide tips and useful ideas for making life happier and peaceful.

You can click the link Mohanspage  and browse the site.

I will be grateful if you can share your impressions about the site.

Wednesday, March 26, 2014

Do's of Insurance


1) Always read the contract notes when received after committing to an insurance cover.Possibilities are there, that even after taking all precautions prior to buying the insurance    product, some exclusions to the risks coverage .

2) Always keep the policy in force by paying the premium regularly.Your claim will be rejected if you have not paid the premium.

3) Always Keep the insurance company informed if you make any changes in the Address, change in the nature and composition of assets covered,etc..This issue crops up in the case of business assets and movable assets like vehicles . When you buy a second hand asset, the risk is more: you have to ensure the title is transferred in your name before taking the insurance.

4) Always buy Life insurance covers from the reputed companies which have a good name in the market .New insurers tend to be inclined towards more business and profit , rather than  the payment of the claims under their policies.

So, Insurance cost  is a Not a Liability but an Investment for Future asset .

BE INSURED FOR  HAPPY LIFE.

Monday, March 24, 2014

Adapt to the Situation

This is the mantra for living a successful life.

This is what Nature surrounding us also teaches.

When the normal prey like fish or worm is not avaiable,  Birds are used to feed on even cooked rice or fruits or cereals. This is what I observed in my place.

When a dog has some digetion problem, it goes on fasting and sometimes, feeds on grass to get the cure for its ailment.

When the tummy is full, a Cow doesn't care to eat a banana.

So better behave accroding to your situation rather than being led by the situation.

Friday, March 21, 2014

Be Proactive

Before you get wet, open your umbrella.

Why many people are so casual and remain till the last moment to take any action.
Either they are easygoing or never bother about their moments in life.

I know one friend who would be making all the hustles in the eleventh hour for his trip to a place. In fact he has beforehand knowledge about his forthcoming trips.

The impact of such casualness and least-bothered approach leads to chaos affecting all those near such person. 

Eventually such people tend to repent only when grave mistakes are made .

Wednesday, March 19, 2014

Why Insurance required?

Significance of Insurance

Many of us think that taking insurance is a cost and utter waste. But, remember, this cost is very least when you compare the benefits that accrue to you in the event of an unfortunate event .

Moreover, the money spent in insurance contracts  can be a good savings -cum- investment for your life and the family.This arrangement takes care of the welfare of your family.You can make a choice of good plans to cover the basic risks of your living like Life, Health, Home, Vehicles,etc..

For your business or profession, go for the policies that will insure the risks associated with your products, fixtures and fittings like plant and machinery,etc..

What is Insurance?

Risks involved in our life are many. Death is the unbearable and irreparable of all risk.That too  untimely death leaves shock and vacuum in a family. To take care of such unfortunate death or any sort of risk ,   a mechanism is in place to transfer the risk from one place or person to another.

When risks  are managed by self  without transfer to another, they are " Retained Risks"  and they are called as " Transferred Risks " when passed on to another for a consideration or price which is popularly known as "Premium".

As the cost is heavy, an individual cannot bear the risk of others. However, an institution like Cooperative or Firm or Corporate concern can manage them . Cooperative Society for Death relief is an example for managing the expenses arising from death of a member. This is very popular among fishermen folks in Kerala, whose life is at risk when venturing out into the sea.

Types of Insurance

There are basically two types of insurance: life and non-life insurance.

Life type is for compensating the dependants in the event of death of the policy holder. This has two sub categories as 1) pure insurance or term insurance where premium rate will be lower but no returns or refunds made if the person survives after the policy period 2) endowment type ,where death and maturity benefits are combined ,which naturally comes at a higher premium.

Non life products cover the risks like Accident, Marine, Health, Goods, Agricultural crops,Cash-in-transit, etc. The popular Mediclaim policy belongs to Health insurance category.

Apart from these, third type exists as Reinsurance which insures risks like Satellite, Spacecraft, etc...involving huge amounts and also when the sum insured exceeds a threshold limit in a case.

The benefits of insurance will be made fully under all policies  for Life insurance whereas only one insurance amount will be settled in the case of Non-life insurance type. Another difference is the period of cover : one year for non-life  policy renewable every year and longer period for life insurance .

Monday, March 17, 2014

Truth is Bitter. Always.

Plain speaking people are not welcome in the modern world. 
They are branded as Country-bred, Uncivilized, Unfit, Good-for-Nothing,etc..
To call Spade as Spade is not liked by many people.

So, why should we make others consume as such.
We can cloak the Truth in a manner that appeals to the receiver.

Even your own child doesn't like such frank comments nowadays.
Better stop advising anybody in a direct way.

Therefore, Shoot an arrow of truth with honey on its point.

Friday, March 14, 2014

Software rules the Present World

This is the age of Software.

Hardware used to guide the world in good  olden days. The invention of wheel led to the industrialization and automation of many monotonous works in our daily life. 

People who are brainy(doesn't mean higher formal education) enough to manipulate the software programs  are creating history now.
    

Earlier "Hotmail" was acquired by "Micrsoft" for a huge sum.
Now "WhatsApp" going to be taken over 'Facebook" for a whooping $19 billion.

It also resembles  Big Fish swallowing  small ones.

Moral is " Innovation Gets Rewarded"

Wednesday, March 12, 2014

Face the Problems

Many people feel crest-fallen and totally defeated when even a minor setback is received during their actions. 

Kites rise highest against the wind, and not get swayed by it.

Thomas A Edison could develop a variety of gadgets like Electric bulb that we use now: all these devices were invented after his investing several days of sincere efforts despite facing several flops.

During his childhood, the boy of a poor family had to swim across an ever flowing river to reach the school and again swim to get back to his home. This lad through sheer hard work and determination later became the Prime Minister of India.The name of the boy is Lal Bahadur Shastry.

You may lose a battle here and there, but your commitment to get back up when you fall and improve your strategy will help you achieve a successful outcome.

If You have the Will , You find a Solution or Way.

Take the opportunity now to get back on track.

Sunday, March 9, 2014

Online Games

Did you know that one of the most popular things to do online today is play games?  
It’s a fact.  
A recent study, titled “2013 State of Online Gaming Report,” found that 44 percent of the world’s online population are gamers.  And it is estimated that over one BILLION people worldwide play online games on a regular basis–with more than 100 million playing DAILY!

Recently I came across one such game Time Machine .


Time Machine is very simple; just correctly predict the answer to a question that will be answered in the future.  Predict the correct answer and you’ll win (or share in) a Jackpot.
There’s no purchase necessary to play or win.   You can submit up to one new entry (prediction) each day.
If no one predicts the correct answer, Time Machine is reset with a new question added, the Jackpot rolls over–and keeps rolling over–until someone claims the pot!
Interesting...You can also play Click here




Saturday, March 8, 2014

Without"Why", there is No Progress

All the progress, development and growth in our world were possible mainly due to the human beings quest for exploring the world.

That quest arose from the basic need to reason out and explain that happens around the humanbeing.

The never-die instinct to find "Why" and question each and everything has led to so much prosperity .

What else, you would explain the invention of wheel, telephone, steam engine, aeroplane and so on.

So, it is amply made clear that Nothing is Impossible if we could think and proceed rationally.

Thursday, March 6, 2014

Paucity of ideas

Paucity of ideas or Absence of Mind application - Is the reason behind most of the problems that we face in our life.

When you are held up in a traffic jam on the way to your office, you feel frustrated and start grumbling about the damn traffic management or the apathy of the other people that create chaos on the road due to some agitation or public procession or even the suspension of vehicular movement awaiting a VVIP transit. 

The whole intolerance is out of our late start from our home to attend the office. In the above muddle, we forget to be cool and find any alternative routes to reach the destination.

A cool -headed person tends to pull out his cell phone and inform the office about the traffic arrest and the possible late attendance.

People having presence of mind and sense of tolerance generally succeed in all their endeavors in life. 

Monday, March 3, 2014

Invisible but


  Faith is such an asset for our life.
 People who invest in it stand to reap great fruits of happiness and satisfaction.
 Without faith, Life is null and void.

Saturday, March 1, 2014

First Family of Universe

As no system of recording the images was available then, artists have made this picture of the first family of our Universe. 



God Siva, Creator of Universe, is flanked by his wife Parvathi and two sons, Vinayagar alias Ganesha and Murugan.  This is based on the oldest religion of world, Hinduism.