Author: Naresh Saini

In today’s fast-paced digital age, your PAN card is more than just a document for income tax—it’s become one of the most misused tools in bank-related identity fraud. If you think your PAN is just used for filing returns or opening a bank account, it’s time to think again. With increasing reports of PAN card-related frauds in India, where innocent people suddenly find out that multiple bank accounts or loans have been opened in their name, it is important to understand how this happens and how you can protect yourself. This article will take a deep dive into how PAN…

Your wedding day is one of the most important moments of your life. It’s full of excitement, planning, love, and… surprises. While you may spend months—if not years—planning the perfect celebration, life can still throw a curveball. That’s where wedding insurance steps in. Let’s face it: weddings are not just emotional events; they’re also financial investments. With average wedding costs rising steadily year after year, protecting that investment just makes sense. In this guide, we’ll walk you through everything you need to know about wedding insurance in plain, simple language. What Is Wedding Insurance? Wedding insurance is a type of…

The Life Insurance Corporation of India (LIC) offers a variety of insurance plans to cater to different needs. Among them, LIC Jeevan Shiromani (Plan No. 947) stands out as a premium savings and protection plan, especially designed for high-income individuals. This is not just a regular insurance plan — it’s a combination of life protection, guaranteed returns, survival benefits, and loyalty additions. Launched as a non-linked, with-profit, limited premium payment plan, LIC Jeevan Shiromani targets those who seek both financial growth and strong insurance coverage. In this article, we’ll discuss the key features, benefits, eligibility and also provide a realistic…

In today’s fast-paced digital world, carrying physical wallets is becoming a thing of the past. With the rise of mobile payment platforms like Google Pay, making transactions has never been more convenient. By linking your credit card to Google Pay, you can enjoy swift, secure, and contactless payments both online and in-store. This comprehensive guide will walk you through the process of adding your credit card to Google Pay, ensuring a smooth and hassle-free experience. ​ Why Link Your Credit Card to Google Pay? Before diving into the steps, it’s essential to understand the benefits of integrating your credit card…

आज का ज़माना डिजिटल पेमेंट का है। चाहे दिल्ली की भीड़भाड़ वाली मार्केट हो, मुंबई की चमचमाती मॉल्स हों, या फिर लखनऊ की गलियों में चाय की दुकान – हर जगह Google Pay जैसी UPI ऐप्स ने पेमेंट को आसान और तेज़ बना दिया है। नकदी लेकर चलने की झंझट ख़त्म, और अब तो क्रेडिट कार्ड को भी Google Pay से लिंक करके आप शॉपिंग, बिल पेमेंट, और ऑनलाइन खरीदारी को और सुविधाजनक बना सकते हैं। लेकिन सवाल ये है – Google Pay में क्रेडिट कार्ड कैसे जोड़ा जाए? अगर आप पहली बार ऐसा करने जा रहे हैं, तो ये…

Financial freedom means having enough wealth to live comfortably without relying on active employment. It’s about creating a sustainable income that covers your expenses, allowing you to retire early or pursue passions without financial constraints. ​ Step 1: Determine Your Financial Independence Number (FI Number) Your FI Number is the amount of money you need to support your lifestyle indefinitely. A common rule is: For instance, if your yearly expenses are ₹10 lakhs, you’ll need ₹2.5 crores to achieve financial independence. ​ Step 2: Start Early and Save Aggressively Time is a crucial factor in building wealth. The earlier you…

आजकल ज़्यादातर नौकरीपेशा लोगों को अपनी कंपनी से एक हेल्थ इंश्योरेंस पॉलिसी मिलती है। यह सुनने में तो बहुत अच्छा लगता है — फ्री में मेडिकल कवरेज, हॉस्पिटल का खर्चा कंपनी उठाएगी, और आपको टेंशन लेने की जरूरत नहीं। लेकिन क्या वाकई ये सब कुछ इतना ही सिंपल है? बिलकुल नहीं। क्योंकि जो हेल्थ इंश्योरेंस कंपनी देती है, वो बस एक बेसिक कवरेज होता है। उसमें इतने सारे limitations और conditions होते हैं कि जब आपको सच में ज़रूरत पड़ती है, तब ये पॉलिसी कई बार काम ही नहीं आती। चलो इस पूरे सिस्टम को दिल्ली वाले स्टाइल में थोड़ा…

Most salaried professionals feel a sense of relief when they hear that their employer provides health insurance. It gives a basic feeling of security—that medical emergencies will be taken care of. But here’s the truth that many ignore: this insurance is often not enough. Relying only on your company’s health insurance can leave you vulnerable at a time of real need. Let’s explore why depending only on corporate health plans can be risky and how a personal health insurance policy can offer a better financial cushion for your future. Health Expenses Are Rising Fast, but Company Coverage Remains Limited Healthcare…

From April 10, residents of Delhi can start using their Ayushman Bharat health cards for free treatment at hospitals. The Union Health Ministry, in partnership with the Delhi Government, officially rolled out this scheme for the people of Delhi. Under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), beneficiaries can receive treatment worth up to Rs. 10 lakh annually. For senior citizens aged above 70, the special Ayushman Vy Vandana Card will allow treatment up to Rs. 5 lakh. But just having the card in your hand is not enough. Like other insurance schemes, there is a fixed process…

If you are looking for a government job in the medical field, then this is a great opportunity for you. Employees’ State Insurance Corporation (ESIC) has released a fresh recruitment notification for Specialist Grade-II posts across multiple regions in India. There are a total of 558 vacancies, and the recruitment process is already underway. Interested and eligible candidates can apply offline. Total Number of Vacancies in ESIC 2025 The recruitment is being done for two specialist categories: These posts are available in different ESIC hospitals and medical institutions across India. Who Can Apply for These Posts? To apply for this…