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Milindaa
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| | Wednesday, October 26, 2005 - 7:54 am: | 
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Sanjubaba, where does this happen ? US ? India ? Have you verified the information ?
If I insert the pump in the car petrol tank, how does the pump handle determine if the tank is full ? It would depend on where I hold the pump handle, right ?
All I am trying to do is to establish the authenticity of such information
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Pavi
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| | Wednesday, October 26, 2005 - 11:55 am: |
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champak,
I am talking about usa. IMO, there is no way we can save money here. whenever we stop the pump latch, there would be some petrol left in the pipe.
In india, whichever way you try, you would end up loosing money, the pump attendents are smarter than the consumers there and also our 'Chalta hai' attitude is responsible for it.
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Sanjubaba
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| | Saturday, October 29, 2005 - 5:44 am: |
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You are right Pavi
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Ammi
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| | Friday, February 03, 2006 - 10:52 am: |
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खालील पोस्ट इथे टाकू शकतो ना.. नस्ल्यास क्रुपया योग्य जागा सुचवा.
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5 things your insurance agent won't tell you
Larissa Fernand | May 03, 2006
Want to buy a life insurance cover? With 13 insurance companies and hundreds of policies being waved in your face, it is no easy task.
Here we tell you how not to get tricked by an insurance agent.
Below are five things your insurance agent may not tell you.
'Your bonus is not guaranteed'
Don't blindly buy what your agent is selling. Ask questions.
When a friend of mine took a policy, she was told she would have to pay premiums over a period of 25 years but could expect a lumpsum of around Rs 22 lakh (Rs 2.2 million) on maturity.
She thought 'could expect' meant guaranteed. Not at all!
What the policy stated was that she would get a sum assured of Rs 10 lakh (Rs 1 million) after 25 years.
And the rest? Well, that is what is referred to as a with-profit bonus. This means that, depending on the profits of the firm, a bonus would be declared every year.
So, the agent 'assumed' a bonus of around Rs 50 per Rs 1,000 of sum assured and came up with that amount. In reality, the bonus could be much less. And, if the firm does not make substantial profits, it could decide not to declare a bonus that year.
Always ask your agent what the sum assured is -- this is the amount you are guaranteed and you are sure to get. And, if there are bonuses, ask if they are guaranteed bonuses.
How much must you get insured for?
'I am getting a huge commission'
There is no free lunch. If your agent is offering to help you, remember, there is an underlying motive behind it.
Your agent will be keen on selling you a policy on which he/ she is getting the best commission.
That is why, it is often recommended that you visit an independent financial planner who is not making profits based on what he sells you. His advice will be objective.
Generally, the commissions start from around 10% to 15% of your premium. This is for the first premium. So if you are paying a premium of Rs 40,000, your agent will pocket Rs 16,000. A neat sum indeed.
That is only for the first year. The next three years, the agent will get around 7% as commission and the rest of the term, 5%.
So the higher the premium you pay, the more the agent benefits.
These premiums are just an industry average and will vary between insurance companies and the type of scheme. In some cases, the commissions could even touch 50% of your premium. But, in such cases, where the commission in the first year is this high, the agent will not get an ongoing annual commission since it is all paid upfront.
Home loan insurance
'You will get a better return investing on your own'
Like my friend, we all seem to look at the figures and get conned. What my friend did not realise was that the Rs 20 lakh (Rs 2 million) 'promised' on maturity would really not work out to much.
Taking inflation at 5% per annum, 25 years down the road Rs 20 lakh would be worth less than Rs 6 lakh (0.6 million) in today's prices.
Also, for a normal life insurance scheme, the equity exposure (amount permitted to be invested in shares) may just be around 8% to 10% of your total investment. The returns you expect on the scheme cannot be high. In fact, it may just hover in the 5% per annum category.
You may actually benefit my taking a term insurance policy which is the cheapest form of life insurance available.Term insurance is the most basic life insurance policy. If you take it for a fixed time period and you die during this time, your nominee gets the money. If you live, you get nothing.
If you do that, you can invest the balance money you would have put in high premiums. But the key is to be disciplined and invest with regularity.
PF & PPF: Whats the difference?
'You actually don't need a cover'
Do you have dependents? If yes, then you should take a term insurance cover to provide for them should something happen to you.
But if you do not have any dependents, do you really need to be insured? Not really.
My cousin is a housewife who was convinced by a very persuasive agent to take an insurance policy. But her husband dissuaded her from doing so. She was not working; he was the bread earner. Neither were her parents, her spouse or her children financially dependent on her. Her husband, on the other hand, was very well insured since he was the sole earner.
You may think of opting for an endowment scheme where (unlike term insurance) you get money returned to you at the end of the policy or just before retirement. It sounds fine but do take a crack at the numbers and ask some relevant questions.
1. Are you getting a decent return?
2. What is assured and what is not?
3. Would you be better off investing by yourself?
The best way to save? Have a goal
'This is not the best policy in the market'
Like I mentioned earlier, the agent might hard sell the policy where he gets the best commission. Don't expect him to be objective.
An agent was once selling me a policy from the Life Insurance Corporation of India. I asked her to suggest some comparable policies from other insurance companies. She told me they were not as good and LIC offered the best deal in the market.
When I probed, I realised she had not done a comparative case study of all the policies in the market to be in a position to pass that comment.
Later, she told me that if you are an agent for one particular life insurance company, you are not allowed to sell polices or be an agent for any other life insurance company.
Lesson: don't ever expect your agent to give you an objective stance. If you want one, go to a financial advisor who does not get commissions based on where you invest and from whom you buy insurance. You will have to pay but, in the long run, it will cost you less.
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Yashwant
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| | Wednesday, May 16, 2007 - 1:58 pm: |
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गेले काही दिवस मी अस्वस्थ आहे. मी लीडर पोस्ट वर काम करतोय गेली तीन वर्ष. सुरुवातीला मी ८ जनान्ना लीड करत होतो. आता मी टीम मध्ये एकटाच उरलोय. माझ्या मनजर ने ही कम्पनी सोडली. नवीन बोस्स ने मला लीड चे काम काढुन घेतले आहे. इतर लीड ना सगळे अपडेट्स मीळतात, मला मीळत नाहीत. मला याचे खुप वाइट वाटते. दुसरी कडे नोकरी बघावीशी वाटते आनी जीथे इतके मन लावुन काम केले तिथे अशी वागनुक मिलाल्याचे दुख वाटते.
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Zakasrao
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| | Thursday, May 17, 2007 - 5:52 am: |
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यशवंत,
Dont love your company, love your work only?
नारायण मुर्ती ह्यांच म्हणन आहे हे.
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there is nothing to feel sad about it. these phases keep coming. its an indication that u need to change the company.
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Abmin
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| | Thursday, May 17, 2007 - 12:49 pm: |
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झकासराव, नारायण मुर्ती म्हणाले होते Donot love ur company, u never know when company will stop loving u
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Yashwant
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| | Thursday, May 17, 2007 - 2:24 pm: |
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धन्यवाद, झकासराव, हे थोडे अवघड वाटतेय पण प्रयत्न करतो. माझ्या बरोबरचे सगळे मीटिन्ग ला जातात आणि मी आता जावु शकत नाही. मला पटते की यातल्या बर्याच गोष्टी किरकोळ आहेत तरी पण त्रास होतो.
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Yashwant
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| | Thursday, May 17, 2007 - 2:28 pm: |
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सव्यसाची, तुला खरेच वाटते मी कम्पनी सोडावी म्हनुन. तशा काही इतर गोष्टी इथे चन्गल्या आहेत फ़क्त हा आत्ता झालेला बदल मला अडोप्ट / अक्सेप्ट करायला थोडे जड जाते आहे.
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well, it depends. u can ask for another project to lead. with some members under u. if that is not happening for some time after asking, may be 3 4 months, I guess it confirms that they are not interested in u now. then better look for some co. that has interest in u.
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Zakasrao
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| | Friday, May 18, 2007 - 3:28 am: |
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abmin धन्यवाद चुकीची दुरुस्ती केल्याबद्दल.
मला ते नीट आठवल नाही. असो तुमच नाव मराठीत कस लिहायच?
यशवंत पक्का निर्णय घ्या काय तो. अनुभवी लोकाना बाहेर भरपुर जागा आहेत. काही वेळा management ची अशी policy असते की ते तुम्हाला सोडा म्हणुन सांगत नाहीत पण तुम्हाला wattage बिलकुल देत नाहीत. उगीच तिथे थांबुन करियर बिघडवण्यापेक्षा बाहेर पडलेल चांगलं.
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यशवन्त, अशा वेळा माणसावर अनेक वेळा येवु शकतात! कारणेही अनेक असतात! ती पुढील प्रमाणे
१. तुमच्या कामाचे स्वरुप आणि तुम्ही स्वतह सतत कामातील, त्याच्या पद्धतीतील नविन बदल आत्मसात करता की नाही! खास करुन आयटि मध्ये! तसे बदल आत्मसात केले नाहीत तर तुम्ही बाजुला फेकले जाता. दहा वर्षान्पुर्वी मी प्रोग्रॅमिन्ग करता जी भाषा वापरायचो ती आता इतकी कालबाह्य झाली हे की डॉसच्या अन्धारयात्रेला लोक हसु लागलेत!
२. तुमचे केलेले काम तुम्हीच नेमकेपणे न माण्डणे... प्रेझेन्टेशन हे अत्यन्त आवश्यक असते, केवळ एण्ड रिझल्ट दिले म्हणजे झाले हे पुरे होत नाही
३. तुम्ही सतत चर्चेत व लोकान्च्या नजरेत रहाणे आवश्यक असते अन्यथा तुम्ही तुमच्या चौकोनी गुहेत मान मोडुन काम करीत बसता आणि वर वर स्मार्ट भासणारी पुढे पुढे तत्कालिक लहानसहान कामात उपयोगी पडुन लाळघोटेपणा करणारी माणसे तुमची योग्यता डावलुन पुढे निघुन जातात. याला जबाबदार तुम्हीच असता, बॉस नाही! सावध तुम्हीच राहिले पाहीजे आणि योग्य ते बदल स्वतःत करुन उपाय योजले पाहिजेत
४. तुमच्या कामाची कायमस्वरुपी कारकुनी पद्धतीने एकच एक चाकोरी ठरुन गेली की समजावे की तुमच्या प्रगतीस बान्ध बसला हे. सतत नाविन्याचा शोध आणि तेच काम असले तरी कामाची पद्धत आणि प्रेझेन्टेशन मधिल बदल हे वेळेच भान ठेवुन केल्यास त्याचा फायदा होतो! वेळेच भान असे की कित्येकदा अत्यन्त कठीण काम तुम्ही चुटकी सरशी पुर्ण करता व किती क्विक रिझल्ट दिले या कौतुकाने बॉस ला सादर करता! बॉस चान्गला म्हणजे ज्याच श्रेय त्याला देणारा असला तर ठीके (मला फार क्वचित अशी माणसे भेटलित) अन्यथा, इतक्या क्विक तुमच्या कडुन काम करुन घेतल्याबद्दल बॉस त्याच्या बॉस कडुन कॉलर ताठ करुन घेतो किन्वा तुम्ही केलेले ते काम त्याला इतक्या लौकर झाल्याने "सोप्पेच" असावे असे वाटुन त्याचे मार्क्स तुमच्या पदरात कधीच पडत नाहीत, तेव्हा काळवेळाचे भान ठेवुन कोणते काम तत्काळ द्यायचे व कोणते रेन्गाळावयाचे याचे सुत्र निश्चित ज्याला करता येते, अम्मलात आणता येते तो बॉस च्या गळ्यातला ताईत बनु शकतो
एक वाक्य हे Noticing small changes early, helps you adapt to the bigger changes, that are to come
आजुबाजुला घडणार्या बारीक सारीक घटनान्वर आपली नजर हवी पण त्या घटनान्चा मानसिक स्वास्थ्यावर परिणाम होवु देउ नये!
तुम्ही कधीच रिआॅक्ट होवु नये, reaction देवु नये! मराठीत सान्गायच तर सादेला प्रतिसाद द्यावा, पण आपल्या प्रतिसादाचे बाह्य स्वरुप प्रतिकाराप्रमाणे आहे असे दुसर्यास वाटणार नाही याची काळजी घ्यावी!
आपले मत कधीच प्रदर्शीत करु नये जोवर तितकीच गरज भासत नाही. जेव्हा मत प्रदर्शित कराल तेव्हा ते मोजक्या शब्दात व ठामपणेच माण्डले गेले पाहीजे. आणि तरीही तुम्ही तुमचे मतात योग्य वाटल्यास बदल करु शकता हेही जाणवुन द्यावे.
या विषयावर प्रचण्ड लिहिता येण्यासारख आहे, अनुभव आणि अनुभुती देखिल खुप आहे, पण वेळ नाही
विश यू बेस्ट लक 
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Limbutimbu ,
तुमच्या ह्या post चि एक copy प्रत्येकाला (त्याच्या,तिच्या) पहिल्या नोकरिच्या पहिल्या दिवशि द्यायला हवि!
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Disha013
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| | Friday, May 18, 2007 - 8:33 pm: |
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लिंबुटिंबु,अतिशय सुंदर मार्गदर्शक post !
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Zakasrao
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| | Saturday, May 19, 2007 - 3:42 am: |
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लिम्बु,
झकास लिहिलस अगदी. सर्वानाच उपयोगी पडेल अस. तुझा अनुभव खुप आहे अस दिसतय.
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Yashwant
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| | Monday, May 21, 2007 - 10:03 am: |
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लिम्बु टिम्बु, धन्यवाद, तुमचे मार्गदर्शन वाचुन तुम्हाला लिम्बुटिम्बु म्हनने योग्य वाटत नाहिये. मला तुमचा ४ नम्बर पॉइन्ट जुळ्तोय असे वाटते आहे. शक्यतो मी काम दिलेल्या वेळेपुर्व्री सम्पवतो. मगच्य वर्षीचे माझे के आर ए ३र्ड क़्वार्टर लाच पुर्ण केले होते. या ४ पॉइन्ट व्यतिरिक्त शेवटी जे तुम्ही लिहीले आहे त्याबद्दल मनापासुन आभार. तुमच्या सगळ्याना हे सान्गुन मला अता खुप छान वाटते आहे. इथे माझा प्रश्न मान्डायच्या आधी मी खुप उदास होतो. पुन्हा एकदा सर्वान्चे आभार.
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Gobu
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| | Monday, May 21, 2007 - 10:31 am: |
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लिम्बु,
अतिशय सुन्दर रे राजा!
अप्रतिम!!!
आणखी लिही ह...
(लिम्ब्या, लिही लवकर बाबा, अरे तुला चान्गलाच अनुभव दिसतोय शिवाय लिहीतोय ही सुरेखच! ...)
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Upas
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| | Thursday, June 07, 2007 - 3:03 am: |
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LT, मस्त्च रे भो... छान मुद्देसूद लिहितोयस.. पण हे अधिक सुयोग्य बीबी वर हलवता आलं तर बघ ना.. Time management, public relations management ह्यावर पण लिही वेळ झाला की..
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| चोखंदळ ग्राहक |
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| महाराष्ट्र धर्म वाढवावा |
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| व्यक्तिपासून वल्लीपर्यंत |
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| पांढर्यावरचे काळे |
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| गावातल्या गावात |
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| तंत्रलेल्या मंत्रबनात |
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| आरोह अवरोह |
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| शुभंकरोती कल्याणम् |
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| विखुरलेले मोती |
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हितगुज दिवाळी अंक २००७
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mala