Hey guys got some great news for SUV fans from Goa.  Now you can get your hands on to the Mahindra Scorpio for some reasonable price.  Just came across a post on Goa on Wheels and seems like they have associated with the DCP motors to come up with a campaign of a few single owner driven Mahindra Scorpio.

Not to mention the Scorpio is the beast of Indian roads and if  you are really a die hard fan of those big wheels and the BOSS looks try to contact them and get yourself a test ride of the vehicle’s available with them.  For more details about the campaign please visit  http://goaonwheels.com/2011/03/18/mahindra-vehicles-for-sale/

Also if you are looking for some other pre-owned cars you are free to check out the classified section http://goaonwheels.com/used-cars-classifieds/auto-for-sale/

Hey guys!

Just cant express how overjoyed I am today! Got a sigh of relief today after something happened today! Was under tremendous pressure for a couple of days, but today I really feel light and out of the mess I was in for all this days!

Its just nothing special, but it did bother me a lot lot then anything else would have. And mind me sometimes some silly things worry you a lot more then any huge thing would do. And it really becomes hard to get out of this your self.

I really don’t know why it bothered me and left me such tensed, but after all it did trouble a lot.

I just prayed to God to get me out of the fuss and he did hear to my prayers and help me out of it!

Now when things have cooled down I just feel like yelling the hell out of me! Today has been a great day for me and just wanted to put it in words so that I remember it when I look back.

Thank God! And thanks to the person who put me in this fuss for getting me out of it herself!!! Thank you for getting me out of this! Thanks a lot lot lot!

LIC’s Samridhi Plus (Plan No. 804) a close ended plan which would be open for sale for a maximum period of 3 months.

This is a unit linked plan with a policy term of 10 years that offers payment of Fund Value at the end of the policy term based on the highest Net Asset Value (NAV) over the first 100 months of the policy or the NAV as applicable at the end of the policy term, whichever is higher. This Guarantee will be applicable only for payment to be made at the end of the policy term (i.e. 10 years).

The premium payment under this plan is limited to single or 5 years. The policyholder can choose the level of cover within the limits, depending on his/her age, the amount of premium payable and whether premium is payable one time or regularly during the premium paying term. The allocated premium will be utilized to purchase units.There is no Bid-Offer spread (both the Bid price and Offer price of units will be equal to the NAV). The NAV will be computed on daily basis and will be based on the investment performance, Fund Management Charges (FMC), Guarantee Charge and whether fund is expanding or contracting. Other details of this plan are as follows.

INVESTMENT FUND TYPES:
The premiums allocated to purchase units will be invested according to the investment pattern committed for the fund. The investment pattern will be as under:  Fund Investment in Government / Government Guaranteed Securities / Corporate Debt Short-term investments such as money market instruments/Investment in Listed Equity Shares

CHARGES AND FREQUENCY OF CHARGES:

Premium Allocation Charge: This is the percentage of the premium appropriated towards charges from the premium received. The balance known as allocation rate constitutes that part of the premium which is utilized to purchase (Investment) units for the policy.

The allocation charges are:
For Single premium policies: 3.3%
For Regular premium policies:  First Year 6.00% , 2nd to 5th Year 4.50%

Mortality Charge: This is the cost of life insurance cover. Mortality Charge will be taken every month by canceling appropriate number of units out of the Policyholder’s Fund Value.

Accident Benefit Charge: Charges for Accident Benefit rider, if any, will be taken every month by canceling appropriate number of units out of the Policyholder’s Fund Value as per the rate prevalent at the time of issue of policy.

A level charge, at present, is at the rate of Rs.0.50 per thousand Accident Benefit Sum Assured per policy year and will be made for Accident Benefit cover by cancellation of appropriate number of units out of the Policyholder’s Fund Value every month along with the Mortality charge. Charges for Accident Benefit rider shall be deducted only if this rider has been opted for.

POLICY ADMINISTRATION CHARGE -The Policy Administration charge of Rs. 30/-per month during the first policy year and Rs 30/-per month escalating at 3% p.a. thereafter, throughout the term of the policy will be deducted on monthly basis by canceling
appropriate number of units out of Policyholder’s Fund Value.

FUND MANAGEMENT CHARGE – Fund Management Charges (FMC) are deductible on the date of computation of NAV at 0.90% p.a. of Fund Value.

GUARANTEE CHARGES – Guarantee Charge are deductible on the date of computation of NAV at 0.40% p.a. of Fund Value for the cost of investment guarantee.

BID/OFFER SPREAD – Nil.

DISCONTINUANCE CHARGES – This is a charge levied, under 5 year premium paying term policies, if a policy is surrendered or discontinued. This charge will be levied by canceling appropriate number of units out of Policyholder’s Fund Value on the date of
surrender / date of discontinuance of the policy.

SERVICE TAX CHARGE – A service tax charge shall be levied on all or any of the charges applicable to this plan as per the prevailing service tax laws / notifications etc. as issued by Government of India from time to time in this regard without any reference to the
policyholder. At present, service tax charge under this plan is based on 10.30% of maximum Fund Management Charge (i.e. 1.35% p.a.) allowed by IRDA in terms of circular Ref: 055/IRDA/Actl/ULIP/2009-10 dated 24th September, 2009. In all the other cases, service tax will be based on the actual charges deducted under the plan.

MISCELLANEOUS CHARGE – This is a charge levied for an alteration within the contract, such as change in premium mode to higher frequency and Grant of Accident Benefit after the issue of the policy, and shall be flat amount of Rs. 50/-which will be deducted by
canceling appropriate number of units out of the Policyholder’s Fund Value and the deduction shall be made on the date of alteration in the policy. The alteration will be effective from the policy anniversary coincident with or following the alteration.

The alteration from regular premium mode to single premium mode or vice versa shall not be allowed.

BENEFITS:

Benefits payable on death:
In case of death of the policyholder when the risk cover is in full force, the nominee shall be eligible to get higher of Sum Assured under the Basic Plan and the Policyholder’s Fund Value as at the date of booking the liability. The liability shall be booked after receipt of intimation along with death certificate. Further, if partial withdrawal has been made during the last two years from the date of death the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made.

The policyholder’s Fund on death shall be determined at the prevailing NAV as on the date of booking of the liability.

Benefits payable on maturity:
On the policyholder surviving at the end of policy term an amount equal to the Policyholder’s Fund Value based on the highest NAV over the first 100 months of the policy or the NAV as applicable at the end of the policy term, whichever is higher, shall be payable.

Accident Benefit Rider Option:
Accident Benefit (AB) can be availed of as an optional Rider benefit by paying an additional charge of Rs.0.50 for every Rs.1,000/-of the Accident Benefit Sum Assured per policy year by cancellation of appropriate number of units out of the Policyholder’s Fund every month. On Accidental death of the Policyholder during the term of the policy, a sum equal to the Accident Benefit Sum Assured will become payable, provided the Accident benefit cover is opted for and is in force. Further, it will be available up to the Sum Assured under the Basic Plan, subject to an overall limit of Rs.50 lakh taking all existing policies of the Life Assured under
individual as well as group schemes taken from Life Insurance Corporation of India and other insurance companies and the Accident Benefit Rider Sum Assured under the new proposal into consideration.

If the age at entry of the Life Assured is less than 18 years, then Accident Benefit Rider can be opted for from the policy anniversary coinciding with or immediately following the completion of 18 or more years of age.

DISCONTINUANCE OF PREMIUMS:
If premiums under the policy have not been paid within the days of grace, a notice shall be sent to the policyholder within a period of fifteen days from the date of expiry of grace period to exercise one of the following options within a period of thirty days of receipt of such notice:

i) Revival of the policy, or
ii) Complete withdrawal from the policy.

During the notice period of 30 days, the policy shall be treated as in force and the charges for Mortality and Accident Benefit cover, if any, shall be taken, as usual, in addition to other charges, by canceling appropriate number of units out of the Policyholder’s Fund Value. Insurance cover shall continue till the date of discontinuance of the policy (i.e. till the date on which the intimation is received from the policyholder for complete withdrawal of the policy or till the expiry of the notice period).

The benefits payable under the policy during the notice period shall be same as that under an in-force policy, except Partial Withdrawal, which shall not be allowed if all due premiums have not been paid.

The benefits payable when the policyholder exercises the option for complete withdrawal or does not exercise any option during the notice period shall be as under:

If policyholder exercises the option for complete withdrawal from the policy, or does not exercise the option within the period of 30 days of receipt of notice, then the policy shall be compulsorily terminated. The Policyholder’s Fund Value as on the date of discontinuance of policy after deducting the discontinuance charge  shall be converted into monetary terms and Proceeds of the discontinued policy  shall be payable after completion of 5 years from the date of commencement of the policy.

COMPULSORY TERMINATION:
If the balance in the Policyholder’s Fund Value, at any time after partial withdrawal of units, is not sufficient to recover the relevant charges, the policy shall compulsorily be terminated and the balance amount in the Policyholder’s Fund Value, if any, shall be refunded to the policyholder.

SURRENDER VALUE AND SURRENDER CHARGE:
If all due premium have been paid and the policy is surrendered, the surrender value, if any, is payable as under:

i) If the policy is Surrendered within 5 years from the date of commencement of the policy:
If a policyholder applies for surrender of the policy within 5 years from the date of commencement of policy, then the Policyholder’s Fund Value after deducting the Discontinuance Charge shall be converted into monetary terms . This monetary amount shall be credited to the Discontinued Policy Fund and no charges shall be deducted thereafter. The Proceeds of the discontinued policy shall be payable on completion of 5 years from the date of commencement of policy.

In case of death of life assured after the date of surrender but before the completion of 5 years from the date of commencement of policy, the Proceeds of the discontinued policy shall be payable to the nominee/ legal heir immediately.

ii) If the policy is Surrendered after 5 years from the date of commencement of the policy:
If a policyholder applies for surrender of the policy after 5 years from the date of commencement of policy, then the Policyholder’s Fund Value as at the date of surrender shall be payable. There will no discontinuance charge under the policy.

Once a policy is surrendered it cannot be reinstated. The guaranteed NAV will not apply in such a case.

GUARANTEED NAV:
In this product there is a guarantee of the highest NAV recorded on a daily basis, in the first 100 months of the policy, subject to a minimum of Rs. 10/-. The guarantee will be applicable only for units available in the policyholder’s fund at the end of the policy term. The period to be counted for guarantee of NAV shall be 100 months from the date of commencement of policy.

This Guaranteed NAV will not be applicable for the payment of death claim, surrender and partial withdrawals.

ELIGIBILITY CONDITIONS AND FEATURES:

a) Minimum Basic Sum Assured:
5 year Premium paying term policies:
For age at entry below 45 years: 10 times the annualised premium
For age at entry 45 years and above: 7 times the annualised premium

Single Premium:
For age at entry below 45 years: 1.25 times the single premium
For age at entry 45 years and above: 1.10 times the single premium

b) Maximum Basic Sum Assured:
5 years Premium paying term policies:
For age at entry below 45 years: 20 times the annualised premium
For age at entry 45 years and above: 10 times the annualised premium

Single Premium Policies:
5 times the Single premium, if age at entry is upto 55 years.
1.25 times the Single premium, if age at entry is 56 to 65 years.

The Sum Assured shall be available in multiples of Rs. 5,000. Where the minimum Sum Assured is not in the multiples of Rs. 5,000, it will be rounded off to the next multiple of Rs. 5,000.

c) Minimum Premium:  5 years premium paying term policies: Mode Minimum Instalment Premium Yearly: Rs. [15,000],Half-Yearly Rs. [8,000], Quarterly Rs. [4,000], Monthly (ECS only) Rs. [1,500]
Single premium: Single Rs. [30,000]

d) Maximum Premium: 5 years premium paying term policies: Rs. [1, 00,000] p.a.
Single premium: No Limit

Annualized Premiums shall be payable in multiple of Rs. 1,000 for other than ECS monthly. For monthly (ECS), the premium shall in multiples of Rs. 250/-.

e) Minimum Entry Age: [8] last birthday (in years)
f) Maximum Entry Age: [65] nearest birthday (in years)
g) Policy Term : [10] years
h) Minimum Maturity Age: [18] years completed
i) Maximum Maturity Age: [75] years nearest birthday (in years)
Age at entry for the policyholder is to be taken as age nearest birthday except for the
minimum age at entry i.e. 8 years.

For Accident Benefit

a) Minimum Sum Assured: Rs. 25,000

b) Maximum Sum Assured:
Rs. 50,00,000 taking all existing policies of the Life Assured under individual as well as group schemes taken with Life Insurance Corporation of India and other insurance companies and the Accident Benefit Rider Sum Assured under the new proposal into
consideration. Under no circumstances Accident Benefit Sum Assured shall exceed the Sum Assured under the basic Plan.

c) Minimum / Maximum Premium: No separate Limit
d) Minimum Entry Age: 18 years completed
e) Maximum Entry Age: 60 years nearest birthday
f) Policy Term: 10 years
g) Maximum Maturity Age: 70 years nearest birthday

Sum Assured shall be available in multiples of Rs. 5,000

ADDITIONAL FEATURES:
a) Top-up: No Top-up shall be allowed under the plan.
b) Increase / Decrease in Benefits: No increase or decrease in benefit will be allowed under the plan.
c)Flexibility in payment of premium: The policyholder has the choice either to pay Single premium (in one lump sum) or to pay premium for the premium paying term of 5 years as selected at the time of proposal with Yearly, Half-yearly, Quarterly or Monthly (through ECS only) mode.

d) Partial withdrawals: A policyholder can partially withdraw the units at any time after the fifth policy anniversary and provided all due premiums till date of partial withdrawal have been paid, subject to the following:

i. In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday).
ii. Partial withdrawals will be allowed twice in a policy year.
iii. Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units subject to a minimum amount of Rs. 2000/-.

MODE OF PREMIUM PAYMENT
The policyholder has the choice either to pay Single premium (in one lump sum) or to pay premium for the premium paying term of 5 years as selected, at the time of proposal, either in Yearly, Half-yearly, Quarterly or Monthly (through ECS only) installments.

There will be no mode specific charges/ rebates.

DAYS OF GRACE:
A grace period of 30 days will be allowed for payment of yearly or half-yearly or quarterly premiums and 15 days for monthly (through ECS) premiums. If the death of Life Assured occurs within the grace period but before the payment of premium then due, the policy will still be valid and the death benefits shall be paid after deduction of all the relevant charges, if not recovered. If premiums are not paid within the days of grace, the benefits shall be paid as per details given in Para 6 under Discontinuance of premiums.

ASSIGNMENTS / NOMINATION:
Notice of Assignment or Nomination should be submitted for registration to the office of the Corporation, where this policy is serviced. In registering an assignment or nomination the Corporation does not accept any responsibility or express any opinion as to its validity or legal effect.

Hey friends! I know its been a very long time since the last I was here. I know its really long and I regret for not being here.

I do agree to it that this was not in my priority list as it should have been, but had some other priorities which I could not neglect all this time. Never the late I have decided to get back to my beloved home.

Regret that I could not even answer to the comments here and at time the comments even went  un-moderated. But now I would like to make you people rest assured that I will be here for the maximum time I can or maximum time I spend online.

So cheers! N happy blogging for me and happy reading for you’ll !

LIC’s PENSION PLUS (Plan No 803) is a unit linked deferred pension plan which offers investment of contributions during the term of the policy. The plan is without risk cover. The allocated premium will be utilized to purchase units as per the selected fund type. Units will be allotted and cancelled based on the Net Asset Value (NAV) of the respective fund applicable to the date of allotment / cancellation. There is no Bid-Offer spread (both the Bid price and Offer price of units will be equal to the NAV). The NAV will be computed on daily basis and will be based on the investment performance, Fund Management Charges (FMC) and whether fund is expanding or contracting under each fund type.

Hey guys did you’ll check out the latest  campaign Tata Motors has launched for the customers in India. With this offer you can have a chance to win a brand new Vista. All you have to do is to spot the similarity between the old variant and the new Indica Vista recently introduced in the Indian market. The new Tata Indica Vista has undergone a complete makeover except for one feature. Contestants have to spot that single similarity between the old model and the new one to get a chance to win a brand new Indica Vista or other exciting prizes.

You will require to enter your personal details in order to qualify to enter the contest. All they need to do is to move the cursor on the new model on the website to review complete exteriors and interiors. If the contestants feel that the feature is different from the old one, click on it. There are seven attempts to qualify for being the winner.

So what are you waiting for? Try your luck to win the all new Indica Vista at surpriseyourself.in

1. Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (through ECS mode only) intervals over the 3 years premium paying term. Alternatively, a Single premium can be paid.
2. Guaranteed NAV: In this product there is a guarantee of the highest NAV recorded on a daily basis, in the first 7 years of the policy, subject to a minimum of Rs. 10. This means the payment at the end of the policy term will be based on highest Net Asset Value (NAV) recorded over the first 7 years of the policy, or the NAV as applicable on the end of the policy term, whichever is higher. The guarantee will be applicable only for payment made at the end of the policy term irrespective of any partial withdrawals made during the policy term. The period of 7 years starts from the date of commencement of policy.
3. Eligibility Conditions and Other Restrictions:

(a) Minimum Age at entry          -           10 (age last birthday)
(b) Maximum Age at entry          -           65 years (age nearer birthday)
(c) Policy Term                             -            8 years
(d) Extended Life Cover              –            2 years after the completion of policy term
(e) Minimum Premium:
3 years Premium Paying policies            -           Rs. [20,000] p.a.
(Other than monthly (ECS) mode)
Monthly (ECS) mode                   –           Rs. [2,000] p.m.
Single premium policies               -           Rs. [40,000] p.a.
(f) Sum Assured under the Basic Plan  -
Minimum Sum Assured:
3 years Premium Paying Term: 5 times the annualized premium
Single Premium:   1.25 times the single premium.
Maximum Sum assured:
3 years Premium Paying Term:
10 times the annualized premium if age at entry is upto 50 years
5 times the annualized premium if age at entry is 51 years and above
Single Premium:
5 times the Single premium if age at entry is upto 40 years.
2.5 times the Single premium if age at entry is 41 to 50 years.
1.25 times the Single premium if age at entry is 51 years and above.

Where the minimum Sum Assured is not in the multiples of Rs. 5,000, it will be rounded off to the next multiple of Rs. 5,000. Annualized Premiums shall be payable in multiple of Rs. 1,000 for other than ECS monthly. For monthly (ECS), the premium shall in multiples of Rs. 500/-.

4. Other Features:
   1. In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday).
   2. Partial withdrawals will be allowed twice in a policy year.
   3. Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units subject to a minimum amount of Rs. 2000/-.
   4. Under 3 years Premium Paying Term policies where less than 3 years’ premiums have been paid and further premiums are not paid, the partial withdrawals shall not be allowed.
   5. Under 3 years Premium Paying Term policies where all the’ premiums have been paid, partial withdrawal will be allowed subject to Policyholder’s Fund Value being at least one annualized premium
   6. Under Single Premium policies, the partial withdrawal will be allowed subject to a minimum balance of 25% of the single premium in the Policyholder’s Fund Value.
   1. In case of Death: The Policyholder’s Fund Value.
   2. In case of death due to accident: Only, the amount as under A above.
   3. In case of Surrender (including Compulsory Surrender): Policyholder’s Fund Value / monetary value of units as the case may be, shall be payable after the completion of the third policy anniversary. No amount shall be payable within 3 years from the date of commencement of policy.
   4. In case of Partial withdrawal: Partial Withdrawals shall not be allowed under such a policy even after completion of 3 years period.

i) Partial Withdrawals: You may encash the units partially after the third policy anniversary subject to the following:

ii) Increase / Decrease of risk covers: No increase or decrease of benefits will be allowed.

iii) Discontinuance of premiums: If premiums are payable either yearly, half-yearly, quarterly or monthly (ECS) and the same have not been duly paid within the days of grace under the Policy, the Policy will lapse. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium.

If the policy lapses, the Life Cover and Accident Benefit rider cover, if any, shall cease and no charges for these benefits shall be deducted. However, deduction of all the other charges shall continue. The benefits under such a lapsed policy shall be payable as under:

iv) Revival: If due premium is not paid within the days of grace, the policy lapses. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium. The period during which the policy can be revived will be called “Period of revival” or “revival period”.

The policy may be revived within two years from the due date of first unpaid premium. The revival shall be made on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium without interest. The mortality charge thereafter shall be based on the age nearest birthday as on the date of revival. There will be a charge of Rs. 500/- at the time of revival.

The Corporation reserves the right to accept the revival at its own terms or decline the revival of a lapsed policy. The revival of a lapsed policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Proposer / Life Assured.

Irrespective of what is stated above, if the Policyholder’s Fund Value is not sufficient to recover the charges, the policy shall be terminated and thereafter revival will not be entertained.

5. Reinstatement:

A policy once surrendered cannot be reinstated.

6. Risks borne by the Policyholder:
7. LIC’s Wealth Plus is a Unit Linked Life Insurance products which is different from the traditional insurance products and are subject to the risk factors.
8. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
9. Life Insurance Corporation of India is only the name of the Insurance Company and LIC’s Wealth Plus is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
10. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer.
11. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
12. All benefits under the policy are also subject to the Tax Laws and other financial enactments as they exist from time to time.
13. Cooling off period:

If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to us within 15 days. The amount to be refunded in case the policy is returned within the cooling-off period shall be determined as under:
Value of units in the Policyholder’s Fund
Plus unallocated premium.
Plus PolicyAdministration charge deducted
Less      charges @ Rs.0.20per thousand Sum Assured under Basic plan
Less Actual cost of medical examination and special reports, if any.

Note: This information has been copied from L.I.C’s official site http://www.licindia.in/ to maintain authenticity of the matter and details reproduced here. The author or the site owner does not hold any rights on the content reproduced here.

After the tremendous success of  L.I.C’s Market Plus I (Plan No 191) and L.I.C’s Jeevan Nischay (Plan No 199), the leader of  the Insurance market and the top Insurance company in India, ” Life Insurance Corporation of India” is now set to launch a new Guaranteed Return U.L.I.P (Unit Linked Insurance Plan) Plan called as L.I.C’s Wealth Plus (Table No 801)

This U.L.I.P plan of L.I.C will be available for sale for the public from 9th February 2010. As publicized to be a Guaranteed Return Plan , the L.I.C’s Wealth Plus guarantees to pay you the highest NAV reached in the first 7 years of its term or the 8th year NAV which ever is higher. This will ensure that the policyholder gets the maximum benefit in the either way possible from the policy that he holds with L.I.C

Other salient feature of this plan include:-

• Gauranteed return of highest NAV of the first 7 years or the 8th year NAV, whichever is higher.
• Policy term – 8 year
• Only 3 yrs premium paying term or single premium as per client’s choice.
• Minimum single premium of Rs 40,000 and Minimum Yearly premium of Rs 20,000.
• Risk cover of 5 times of the annualized premium or 1.25 times of single premium.
• In case of death during policy term Basic Sum Assured + Fund Value
• Extended risk cover for 2 years even after term end.
• Partial withdrawal allowed at any time after 3 years.
• Accident Benefit Raider (EDAB) allowed at a nominal charge of Rs 0.50 per 1000.

The L.I.C’s Wealth Plus (Plan No 801) is available for individual within the age of  10 yrs L.B.D (last birth day) to the age of 65 yrs. But the Accident Raider can only be availed by individual’s within the age of 10 yrs to 62 yrs.

This is just the briefing of the latest launched or to be launched L.I.C’s Wealth Plus. Will get back to you’ll as soon as I get some precised and details information of the plan.

Hey guys! First of all I would like to apologies for being away for some time now. Its almost bee around 20 to 25 days I haven’t been online here. Very sorry for that and I assure that I would try and make it a point to update my site, rather blog on regular intervals without fail.

Was keeping a lot lot busy these days and at the end of the day did not get enough time all this while. Hey but don’t worry I have always been moderating your valuable comments and replying to them if possible through my cell phone regularly.

Hey guys I got a great news to share with you’ll! Just today while checking my site stats I discovered that my site has got a PR 2 from Google. Am very very happy to see that its getting acceptance day by day and mind me all the credit goes to you’ll guys who love reading whatever I have to say.

Thanks guys!!

Love You’ll
Punit Shet

Hey friend’s! Check out some of the excellent quotes which I came across. This was actually a mail  forwarded to my inbox by one of my friend and I felt like sharing them here cos they were worth it, rather much more worthy and practical.

Hope you’ll guys find them interesting too.

Regards,

Punit

ATTITUDE IS WHAT  LIFE  IS  ALL  ABOUT…….

1. SOLDIER : SIR  WE ARE SURROUNDED  FROM  ALL  SIDES  BY ENEMIES ,

MAJOR : EXCELLENT !  WE CAN ATTACK IN ANY DIRECTION.

2. EVERY ONE  KNOWS  ABOUT  ALEXANDER  GRAHAM BELL  WHO  INVENTED THE

TELEPHONE, BUT  HE  NEVER  MADE  A  CALL  TO  HIS  FAMILY.  BECAUSE, HIS

WIFE  AND DAUGHTER  WERE  DEAF. THAT’S  LIFE “  LIVE  FOR  OTHERS ” .

3.  THE   WORST  IN  LIFE  IS  “ATTACHMENT ” IT  HURTS  WHEN  YOU  LOSE

IT. THE   BEST  THING  IN  LIFE  IS ” LONELINESS “  BECAUSE  IT  TEACHES

YOU EVERYTHING  AND,  WHEN  YOU  LOSE  IT,  YOU  GET EVERYTHING.

4.  LIFE  IS  NOT  ABOUT  THE  PEOPLE  WHO  ACT  TRUE TO  YOUR FACE ……..

IT’S  ABOUT  THE  PEOPLE  WHO  REMAIN TRUE  BEHIND YOUR  BACK .

5.  IF  AN  EGG  IS  BROKEN  BY  AN  OUTSIDE  FORCE..A  LIFE ENDS. IF

AN  EGG  BREAKS  FROM  WITHIN…… .LIFE  BEGINS.

GREAT THINGS  ALWAYS  BEGIN  FROM  WITHIN .

6.  IT’S  BETTER  TO  LOSE  YOUR  EGO  TO  THE  ONE  YOU   LOVE. THAN

TO  LOSE  THE  ONE  YOU  LOVE ……. BECAUSE  OF   EGO .

7.   A  RELATIONSHIP  DOESN’T  SHINE  BY  JUST  SHAKING  HANDS

AT  THE  BEST OF TIMES. BUT IT BLOSSOMS BY HOLDING FIRMLY

IN  CRITICAL  SITUATIONS.

8. HEATED GOLD BECOMES ORNAMENTS. BETTED COPPER BECOMES WIRES.

DEPLETED STONE BECOMES STATUE. SO, THE MORE PAIN YOU GET IN

YOUR LIFE THE MORE VALUABLE YOU BECOME.

9.  WHEN  YOU  TRUST  SOMEONE  TRUST  HIM  COMPLETELY  WITHOUT

ANY  DOUBT……. AT  THE  END  YOU  WOULD  GET  ONE  OF THE  TWO :

EITHER  A  LESSON  FOR  YOUR  LIFE  OR A VERY GOOD  PERSON .

10. WHY  WE  HAVE  SO  MANY  TEMPLES,  IF  GOD  IS  EVERYWHERE ?

A WISE MAN SAID:

AIR   IS EVERYWHERE, BUT WE STILL NEED A FAN TO FEEL IT.