Author: Naresh Saini

In today’s job market, where companies are cutting costs and reducing new hiring, internal promotions are becoming more common. Many organizations prefer promoting current employees over hiring new ones. It saves training time, ensures cultural fit, and keeps good performers engaged. If you also want to grow within your current company without switching jobs, you need to do more than work hard. You have to plan your career move smartly. Let’s understand how you can prepare yourself for the next big promotion while staying in the same company. Understand If You’re Ready to Get Promoted The first step is knowing…

The Central Government Health Scheme (CGHS), which provides health benefits to central government employees, pensioners, and their families, has stopped using its old website. On 28 April 2025, CGHS started a new digital platform called the Health Management Information System (HMIS). This system is expected to improve user experience and make all health-related services more efficient. The CGHS is key to the Ministry of Health and Family Welfare’s health service delivery. The earlier software system, which had been used since 2005, has now been entirely replaced. Officials said the earlier platform was outdated and could not match today’s digital standards…

Travel has become more than just a hobby. For many, it’s a way to relax, explore new cultures, or take a break from daily stress. After the COVID-19 pandemic, travel demand has increased across India. People travel more than ever, whether it’s a family vacation to a hill station, a solo Europe trip, or a business tour. But what most travellers forget in the excitement of planning is travel insurance. While people often buy life or health insurance, they overlook this important financial protection. Travel insurance might not seem necessary until something goes wrong on your trip — and that’s…

When a person passes away, life insurance becomes one of the primary sources of financial support for their family. However, many people remain confused about whether the amount received from the insurance claim is taxable. Some believe the full amount is tax-free, while others worry they might need to pay tax on it. Let us break down the rules and help you understand in which situations insurance claims are tax-free and when they are not. Insurance Claim After Death Is Usually Tax-Free Under Section 10(10D) As per Indian income tax laws, any amount received by the nominee after the insured…

When people think of a safe investment, most immediately think of the Public Provident Fund (PPF). Backed by the government, tax-free, and guaranteed returns, PPF is one of India’s most trusted saving tools. Many Indians believe that regularly investing in PPF can create a secure retirement corpus. But here’s the question we must ask today: Is PPF enough for your future life, especially after 20 to 30 years, when prices will be much higher due to inflation? Let’s understand how inflation silently reduces the power of your savings and what you must do next to stay financially strong in your…

In India, most middle-class families look for safe and stable investment options. Two of the most preferred and trusted choices are Fixed Deposits (FDs) and Small Savings Schemes. These options may not promise massive returns like mutual funds or the stock market, but they offer peace of mind with guaranteed returns and low risk. However, the decision can be confusing when it comes to choosing between the two small savings schemes or fixed deposits. Each has pros and cons based on interest rates, liquidity, lock-in period, tax benefits, and overall returns. Let us understand both in detail and see which…

Have you ever thought about how much your money will be worth in the future? If you have Rs. 1 crore in your hand today, it might seem like a huge amount. But after 20 years, will that same Rs. 1 crore still feel big? The answer might surprise you. In India, the average inflation rate is around 4% per year. This means the price of most things increases by about 4% every year, be it food, fuel, education, or healthcare. Over the long term, inflation eats into the value of your money. So, Rs. 1 crore after 20 years…

India has started a new passport for international travellers – the chip-based e-passport. This move will give more safety to people’s personal and travel details. The Ministry of External Affairs has launched this modern passport under the Passport Seva Programme (PSP) Version 2.0. The e-passport combines electronic technology with the regular passport format. It looks just like a normal passport but has a golden-coloured symbol on the cover. That symbol means it has an electronic chip installed. Where Has India Started Giving E-Passports? The chip-based passport service has already started in 12 regional passport offices. These include: In Tamil Nadu,…

For centuries, people in India have trusted traditional medicines like Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These methods are part of the AYUSH system, which is deeply rooted in Indian culture. However, until a few years ago, insurance companies did not cover the cost of such treatments. That changed in 2013 when the Insurance Regulatory and Development Authority of India (IRDAI) officially allowed insurance coverage for AYUSH treatments. Since then, many health insurance companies have included AYUSH coverage in their policies. However, if you want to use this benefit, it is essential to understand the rules and limits and how…

Many people in India still find insurance confusing. They know it’s important but often don’t understand how it works or what kind of insurance they should buy. There are two main types of insurance: Life insurance and general insurance. However, within these categories, many plans exist for different needs. Insurance is not just about financial security—it’s also about peace of mind. Let’s understand how life and general insurance plans work and how they help protect you and your family. What Is Life Insurance? Life Insurance is a type of financial cover that protects your life. If the insured person passes…