Thursday, July 26, 2018

Indian Money Review, Indian Money Bangalore - Best Term Insurance Plans in India


Among all life insurance plans, term life insurance plans are the most important. You have to pay a premium and you get cover (protection) for a fixed time period, called tenure of the term insurance plan.
If a policyholder dies within the term of the plan, nominees get the sum assured also called the death benefits. Nominees can pay back car loans and home loans with the death benefit. If you survive the term of the plan, you get nothing.
Want to know more on term life insurance plans? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice / education to ensure that you are not mis-guided while buying any kind of financial products.
 Want to pick the best term insurance plan? Follow these tips.
STEP 1. Pick an insurer with a good claim settlement ratio
 Before availing a term life insurance plan, check the claim settlement ratio of the life insurer. Claim settlement ratio gives the total number of death claims settled by the insurer.
Example: If a life insurer receives 1000 death claims and settles 980 claims, the claim settlement ratio is 98%. If the life insurer has a good claim settlement ratio, on an untimely death, the nominee’s claims are settled in a hassle-free manner.
Choose an insurer with a good claim settlement ratio.
 STEP 2: Best term insurance plans offer rider benefits
 Good term life insurance plans offer you rider benefits. This is an extra benefit offered, if you pay a slightly higher premium.
Popular riders are critical illness rider and the accidental death benefit rider.
If a policyholder avails an accidental death benefit rider, on an accidental death/mishap, the family gets an additional amount, usually twice the sum assured. Critical illness rider protects you from a financial loss on hospitalization, in case of a critical illness like heart attack or a stroke.
 STEP 3: Good term insurance plans offer a higher policy term
Your term insurance plan must cover you across working life. Term insurance plans used to have a policy term of 25 years. Remember, best term life insurance plans offer a policy term of more than 30 years.
 STEP 4: Best term insurance plans charge low premiums
 Avail term life insurance plans which charge low premiums.
Remember: The term life insurance plans must offer good options and features.
 STEP 5: Buy term insurance plans from older Insurers
 Many citizens are comfortable with an insurer who is 10 years old. Life insurance is a long-term contract between you and the insurer. So some citizens say, older the better.
Remember: The final decision of deciding which term life insurance plan is the best, depends on you. The effectiveness of a term life insurance plan depends on the coverage, tenure and the goodwill/brand of the insurer and of course, the claim settlement ratio.
Be Wise, Get Rich.
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Saturday, July 21, 2018

Indian Money Dot com Review - Status of Income Tax Return: 5 Terms You Should Know


While you definitely exercise due diligence while filing income tax returns (ITR), you should be on your toes and regularly check the status of your income tax return.
It is very crucial to exercise due diligence when filing income tax returns (ITR). Tax rules keep changing and many laymen find them difficult to understand. Making mistakes when filing income tax returns may land you in a soup.
Want to know more on Tax Planning? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com Review is not a seller of any financial products. 
Status of Income Tax Return: 5 Terms You Should Know
Income tax returns are deemed to be complete, only if a taxpayer verifies them. Verification of returns is mandatory for the Centralized Processing Centre (CPC) of the Income Tax Department to accept and process the returns. It is a declaration that all the details furnished by you in the ITR and its submission are made with your consent and you have given approval to the Department to process it.
If you are under the impression that Filing error free ITR and verifying it is all that needs to be done, you are wrong. There is another task, as important as any and that is to check the status of your ITR. It is important to check the status of your ITR, to ensure that it has been accepted and processed by the Income Tax Department, so that it goes without any glitches.
On verification, the IT Department will process the ITR. If the details furnished by you are accurate, and if no cases of non-disclosure are found, the Department determines the amount of tax refundable or recoverable from you.
The status of the ITR is displayed on your account at the e-filing website. Therefore, it is convenient and wise to regularly check the status of your income tax return to be sure that the CPC has accepted and processed your ITR. If you get notified on any discrepancies on your account or CPC proposes you to make changes, you provide a suitable reply in a reasonable time.
Read the article for more Information | Status Of Income Tax Return: 5 Terms You Should Know
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Friday, July 20, 2018



It is said, Better Late than Never. But, this doesn’t apply everywhere. You should avail a Term Life Insurance Plan, at least in your early 30s. What difference will it make? Let’s find out.
Until you reach the 30s, you may struggle to get a good job. Now, when you hit your 30s, you may enjoy a decent career. You earn well, are in good health and are planning to start a family. You must have also started investing to buy a house or a car. In short, you become more responsible in your 30s.
5 Reasons to Buy Term Insurance in Your 30s
Responsibility is an on-going process. It never ends. Let’s face it, you need money to survive. Therefore, you are not really responsible until you insure your life. Insuring your life is a selfless act. Availing a term life insurance plan makes sure your family has the financial support in your absence.
So, when should you buy a term life insurance plan? The best age to buy is by the time you turn 30. Do not wait until it’s too late. Buying a term life insurance by the time you turn 30, has great advantages. Read on to find out more:
1. A financial product to fall back on:
You seek financial advice on which is the best financial avenue to invest your hard-earned money. People may suggest you invest in mutual funds, whole life insurance policies, pension plans, and so on. These investment options help you save for retirement and you should go ahead and invest in one or two of them.
But, having a term life insurance policy is a must. It helps you get protection for a much bigger risk. You may have availed a home loan or planned to send your children abroad for higher studies, plus you have to ensure your family’s financial security in your absence. Achieving all this is possible if you have some kind of financial arrangement like term life insurance. Term insurance plans cost much lesser than whole life insurance products. Let’s take the worst case scenario:
Say you are 30. For a sum assured of Rs 1 Crore, a smoker has to pay an annual premium of around Rs 15,000. Monthly premium will be Rs 1,250. If you are earning around Rs 5 Lakhs a year, your premium will be just 3% of your annual income. Is this too much?


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Tuesday, July 17, 2018

Indian Money Reviews, Indian Money Bangalore - Benefits of Filing Income Taxes Early


India needs IndianMoney.com
.  Because it's unrealistic to expect genuine and unbiased free consultation from an agent or seller of financial products.
.  Because there is a need to get access to experts who would highlight the fine print that needs to be read before signing on the dotted lines.
. Because speaking to an expert can save hours/days spent on web search.
The last date to file ITR is July 31st. You have less than a month to file taxes and avoid penalties. If you miss the deadline and file ITR between August 1st 2018 and December 31st 2018, you will have to pay a penalty of Rs 5,000.
What if you miss even this deadline? Well, if you file ITR between January 1st 2019 and March 31st 2019, you will have to pay a penalty of Rs 10,000. If your total income doesn’t exceed Rs 5 Lakhs, then the fee/penalty must not exceed Rs 1,000.
But, let’s not talk about taxes. Let’s talk about the benefits of filing income tax returns (ITR) early. Want to know more on Tax Planning? We at IndianMoney.com will make it easy for you. Just give us a missed call on 022 6181 6111 to explore our unique Free Advisory Service. IndianMoney.com is not a seller of any financial products. We only provide FREE financial advice/education to ensure that you are not misguided while buying any kind of financial products.
 Yes, it’s your duty to file income tax returns in time. But, can there be any benefits of doing so? Yes, there are and let’s take a look at some of them.
Read more:
For Details Visit us: https://medium.com/@indianmoney


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Tuesday, July 10, 2018

Indian Money Reviews, Indian Money - 5 Smart Ways to Improve Your Financial Plan in 2018


Financial planning helps you achieve short, medium and long-term financial goals. It considers your current financial behavior and variables to predict and design your future financial position so that you achieve your financial goals.
To be financially successful, setting financial goals is of utmost importance. Financial goals can be of three types: short-term, medium-term and long-term. We will be discussing how to create and manage a long-term financial plan so as to achieve long-term financial goals.
5 Smart Ways to Improve Your Financial Plan In 2018
We all have dreams and goals like buying a house, living a peaceful retired life, educating your children in the best universities, buying a high-end car, going on an exotic holiday and so on. But your dreams will remain just that if you do not have the money to make them come true. So, setting a goal alone is not enough, you need to plan for it in financial terms.
This is when savings and investments come into the picture. Creating and managing a long-term financial plan has 5 steps:
1. Set your goals and the respective timelines:
Goals are just dreams if you do not work towards them. To work towards them, you will need to assign timelines. This will give you a time frame to work and achieve them. For instance, say you are 30 years old and plan to retire at the age of 55. You want to buy a car in 2 years as your family size has increased from 2 to 3, with the birth of your new child.
Your child is 1 year old and you want to plan her higher education, which is after 16 years. You also want to buy a house in 3 years. Unless you are a millionaire, you will have to buy a house and cars by availing loans. You will have to arrange for the down-payment for which you have to start saving money.
Once you jot down your goals and timelines, you will have a clear picture on how to achieve your goals. This will determine your investment mix and also your risk taking capacity.
2. Set monetary values to each of these goals:
Now that you have set your goals, it is time to assign monetary values to them. If you want to buy a car worth Rs 7 Lakhs, you need to arrange 15% of the value, i.e. Rs 1, 05,000 for the down payment. Also, if you plan to buy a house of Rs 50 Lakhs, you need to arrange around Rs 10, 00, 000 for the down payment. You also need retirement and child education plans. Such planning should be done considering inflation and other macroeconomic changes. You will also need to provide for emergencies by insuring your life, assets and loans.
For Details Visit us: https://medium.com/@indianmoney


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Friday, July 6, 2018

Indian Money Reviews - Free Financial Education and Investment Advisor


IndianMoney.com was conceptualized in the year 2008, to address the glaring need of financial education among the common man. Mr C.S. Sudheer founded Indian Money dot com, which is India’s largest free unbiased financial education Company, at the age of 22. IndianMoney.com Bangalore educates people over a telephone call with the help of Proprietary Need Analyzer which records the voice of consumers and their aspirations before offering solutions.
The Company’s unique offering has helped more than 32 Lakh people make wise educated financial decisions. IndianMoney.com Review currently educates about 21,000 people a day, and has the capability to easily scale it up to 1, 00,000 a day.
Why is financial literacy important in India?
 Studies have shown that financial literacy is not a priority in India. More than 76% of adults do not understand even basic financial concepts. This is shocking considering more than 17.5% of the World’s population resides in India.
Does financial literacy really matter? Well, if people are not financially literate, they will get cheated by unscrupulous elements in the financial services industry. Lead market review Bangalore Many of these citizens are forced to surrender these life insurance plans, as they cannot afford to continue with them.
Fraudulent Builders are known to cheat naïve customers out of their life’s savings, promising them delivery of apartments on time, but after many years, these poor people never get the apartment. Cheating is rampant in the Financial Services Industry and if you are not financially literate or aware.
 IndianMoney.com Spreading Financial Awareness
 IndianMoney.com follows the philosophy of PET. PET stands for Protect, Empower and Transform. IndianMoney.com protects the common man by educating him/her on various financial products and protects them from getting misled by unscrupulous agents in the financial services industry.
IndianMoney.com empowers citizens by imparting financial education and making them financially aware, so that they make the right financial decisions. Indian Money lead market app review They are able to zero in on the right financial products, which meet their financial goals.
IndianMoney.com aims to transform the lives of the common man by giving them the right financial guidance.



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Monday, July 2, 2018

Indian money CEO, Sudheer Indian money Bangalore - A Leader in the Fintech Space


Mr. C S Sudheer founded IndianMoney.com, India’s largest free unbiased financial education company, at the age of 22. IndianMoney.com was conceptualized in 2008 to address the glaring need of financial education among the common man. IndianMoney.com was much ahead of the curve in launching such an initiative as financial education was not even discussed at regulatory levels. It educates people over a telephone call with the help of proprietary Need Analyzer which records the voice of the consumer and their aspirations before offering solutions.
It is Mr. C S Sudheer's long cherished dream and consistent evolution coupled with perseverance over the years to build a system after taking into consideration the voice of thousands of its consumers. It is currently educating about 21,000 people and has capabilities to easily scale it up to 100,000 per day. Mr. Sudheer plans to get there by March 2020. He believes and acknowledges that all of us should get easy and free access to quality & free financial education.
  • IndianMoney.com’s unique offering has helped over 32 Lakh people till date make wise financial decisions. Consumer stickiness is the biggest testimony of their success as they educate them on different financial products year after year.
  • Post educating the customer on financial products and concepts, IndianMoney.com connects them to registered service providers in their geography for a small referral fee which ranges from Rs 50 to Rs 500. IndianMoney.com Lead market review has opted to charge referral fees over success fees to the service provider in order to make sure that they remain unbiased all the time.
  •  IndianMoney.com has set up a dedicated helpline for Karnataka State Police to educate them on personal finance. Mr C S Sudheer was invited by World Bank to attend its FinTech CEO's Summit in 2017. Mr Sudheer has authored Best Selling book "Love Beyond Death" to create awareness on Term Life Insurance.


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