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A Poetry In Your Garden


She is like an afflorse
oblivious of the thorns 
in her world

a neophyte beauty
awaken to a song of love.

tend her with love
water her with dreams

protect her from the harsh weather
and misogynist gleam

she is a man's woman,
a man's daughter

Plant her like
a poetry in your garden

picture: Sally Kate

______________________________


Every child is like a pretty flower and deserves her/his right to live, dream and survive. Off late, a lot of atrocities against a girl child, are reported in India. It is disheartening. I have been raising voice against female infanticide, child rape and exploitation through my blog. I know mere voices may not help. Required a strict law system and sensitivity amongst the populace. 

Treat women with love and dignity. It reflects your character and not hers.

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Look No Further, Amigos


Look no further,
But deeper
Farther as vision goes
Deep dive into light
Busier as emotion flows. 
Your eyes hold your truth
Let the vision creep in
And let the picture show.

between black and whites
dark and lights,
apropos.

Hold no glance
give a second chance
to stand on the toes.
lean and see
peep as eagerly
sans the fright
keep burning the light
let the twinkles glow.

_______________________________

Picture courtesy: My Instagram Page

You can follow me on Instagram at- @ektakhetan 

eTouch Term Insurance plan & B-Fit App by Bajaj Allianz Life Insurance

Bajaj Allianz Life Insurance Co Ltd, a JV between Bajaj Finserv Limited and AllianzSE, is one of the leading private insurers.

The company held up special bloggers meet to announce their new Term Insurance Plan and a Fitness app. I was invited by the company to explore in-depth details of their Term Insurance plan from their category leaders in a close-knit group discussion. The event was held at St Regis, Mumbai.

It was an interesting and engaging session that started with some #IfsOfLife Moments and a humorous take on them. Well, humour is important to deal with the tough situations of life mentally. A good financial planning and risk mitigation can help you deal with them well financially too.

Bajaj Allianz Life’s eTouch plan aims to be one such plan that may not avert the harsh IFs of life but is certainly focused on helping you combat with few of them including death, disability and diseases via financial leverage.

Just in case, if you are the one who still wonders about the significance of Insurance in life, you may like to read my previous blog post “Why do we need Insurance”.

Before we move on to discuss some of the salient features of the “eTouch” plan, here are few more details about the company that you may like to know-

  1. It is the top non-bank promoted life insurance company in India
  2. One of the most profitable Life Insurance Company with 795% Solvency rate against the minimum prescribed solvency ratio of 150%
  3.  Asset under management over Rs 44,107 crores with shareholder’s growth rate of 5% [FY2016]
  4. Winner of many prestigious awards including Inkspell Drivers of Digital Awards for best e-commerce website

About Bajaj Allianz Life eTouch Online Term and Health Cover Plan
It is a regular premium payment, pure term and health cover plan. It provides comprehensive protection with the option to cover total disability, accidental death, critical illnesses and death other than suicide.

Some of the key advantages of this plan are-

1            It covers 34 critical illnesses
2            Competitive premium rates
3            Inbuilt waiver of premium benefits
4            Provides option to receive policy proceeds in different ways as in-
a.          100% as lump sum
b.         100% as level monthly instalment OR 100% as increasing monthly instalment
c.          50% of a lump sum and remaining in level monthly instalment
d.         50% as lump sum and remaining in increasing monthly instalment
5            Lower premium for non-smokers or non-tobacco users
6            Maximum age at maturity 75 years


Target Group
It is open to all

Online assistance: Since all the Term Insurance plans are online these days, the user/buyer need to opt and operate for this plan online. To ensure a smooth transition, the company provides complete online assistance via Tele calling and online chat on their website. All you need to do is to register there and chose your mode of assistance. More about etouch at: Link

High Claim Settlement Record: The high solvency ratio of the company fuels its Claim Settlement Record or CSR. It is one of the best in the industry with 8 days as turnaround time.


The discussion was going strong when the company representative asked bloggers to talk about their fitness feat. The discussion grew dense with few bloggers taking up a plank challenge and talking about the fitness app that they currently use. This lead to the introduction of another milestone product by Bajaj Allianz B-FIT App

B-FIT App
The mobile app focusses on your health and fitness level. You can set your goals of losing, gaining or maintaining your weight and the app facilitates it with a daily challenge to complete. The app is designed to automatically track all your activities and rewards you with a vantage point for achieving your target.  

Conclusion
The Ifs of life does not cease from surprising us. Carrying a weight of the Ifs that you may or may not have control is not advisable. With a healthy lifestyle, you also need a supporting plan to protect your financial insurgencies. If you are looking for an Insurance policy, do check out the new eTouch plan by Bajaj Allianz.

If you are not looking for insurance, you should start weighing it now.

Healthy Living, Happy Living




Beware The Pity



Dappled with an injury?
brindled with pain?
or an unwanted grief
freckling you insane?

Do not let,
the discriminations to daunt.
ostracism is filthy
face it with stout.

Beware the pity
ward off unsolicited sympathy
Elaborate your merits
learn to empathise.

Remember,
 no matter how warm
a sheep is,
it will always walk in the crowd.
Beware the herd,
come out of the protective layer.
Walk on your own,
even if you fumble.

Remember,
It takes a lion to rule the jungle

___________________


I have written this poem to inspire people to ward off the limitation their life or disabilities may pose on them. You need to fight the pity, rise above ostracism and prove your disabilities are nothing but a freckle of a limited perspective.

The crowd may not walk with you but you have a chance to stand out. Remember while unity is important, living life on your capabilities builds strength and provide room for synergies. Beware the pity and brave your life with its challenges.

__________________________

This poem is an original piece of work. Kindly refrain from using/ reproduction/ representation without my permission

_____________________________

Creative Collaborations with
Three Words Wednesday: Dappled, Elaborate, Filthy

Yoghurt


Tempting burst of colours
frost blues and juicy red
over the thick, creamy
white moist bed.
Fresh exotic cravings
sumptuous and unforgiving
I could not resist a spoon

As placed it in my mouth
filled with heavenly surmount
Indeed a delight
in every bite.

The mouth started to water
and scoop got only larger
even a bowlful was not enough
I hold closely this stuff
there was no looking back
feasted on this lovely snack

Oh yes it is a dessert
a scrumptious, irresistible dessert
it meant to last
and remind of my guilty bytes
I sneeze and cough in fright
much to my midnight yoghurt delight!

____________________________________

Picture and Theme Courtesy: ABC Wednesday [Yoghurt]
Also sharing with Real Toads

Merry Christmas 2016 #CreativeCollaboration



Wishing all of you a very Happy Christmas!

Since it the Xmas time, when there is so much fun, festivity and cheer in the air. Let's add more merry to it with a small poem. A Christmas Poem/ Song this time.


He had heard about Santa. 
He had heard about A Star.

He heard about the reindeers
who travels from pole far.

He believed in those stories
and kept them close to his heart.
With a candy, gingerbread and mistletoe
he wanted a fresh start

He whispered a wish
and blew the skies a kiss.
hanging his socks to fireplace
he checked the cookies and milk.

In his little eyes
he weaved some sparkly dreams.
waiting for his miracle
he sat by windows all night.

Christmas is not a cursory
but symbol of hope.
A festive, bright cheer
to set everything all right.

______________________________

I have fashion my words for the christmas collaborative Challenge thrown by Gillena Cox for Toads.


Why Do We Need Insurance?


The Insurance of Life

I am sitting near my wide glass French window of a 16 storey building and watching some labourers working on an under construction building. The construction work is going on from months and I could hear a constant construction sound even on weekends. It is not just the gruesome sound or dust that has disturbed my lifestyle [including taking away my freedom to open my windows], but the towering structure that has marred my beautiful landscape view.



As the floors are rising [13 approximate], you can see the labours working with their bare minimum, almost at your line of sight. It was intriguing to see them work. They are working with bare minimum tools, with negligible safety measure and absolutely unhygienic working conditions [without any protective clothing or footwear].

Though the building structure has blocked my skyline view, a new vision has crept in. I saw a person standing at the edge of the roof and nailing a board. He was working on the ledge with no harness, no ropes, and the badminton court sized safety net at the levels below was such a mock on the law of gravity.

God Forbid if miss a step or fall off the roof, wonder what will happen to him, and his family. He must be the only earning member of the family who is living on daily wages for sustenance. The chap looks young and may have this raring to go. I wonder what happens when he grows old and what kind of livelihood he can engage in to support his finances. The working conditions [of course it is a construction work] is so dusted and unconducive to health, wonder if fallen sick, how would he bear his medical expenses given the high surge in the cost of medical treatments in India.



A lot many questions looped in my mind and started growing restless. Our Life expectancy ratio may have increased but the mortal nature of our lives have increased too and in manifolds.

We live such a dynamic life. Every day we hear horrible stories of accidents, murders, landslides, unemployment and more. Newspapers have become a printed mortuary of horrifying tales. The rise in epidemics and newfound diseases does not stop to fatal us even further.

Why go far when I have an example in me? In pre-teens, I met with an accident and was hospitalised for almost 7-8 months in a place away from our home. My father, a government employee has to temporarily leave his job to be with me at the hospital. We belonged to a middle-class family, with my father being the only earning member and we had no insurance. I also remember how he had to leave me with my mother at the hospital to get back to his job as he could not afford any further leaves.

The medical expenses were sky high and we were cash-strapped for years.

I wish we had something to protect us or cover our indemnity. Something like an insurance.

If it had happened to me or that bank manager who too lost his limb in a death defying accident and committed suicide to escape his financial crunch, it could happen to anyone in the world.

Think about it. Think and tell me if you still do not need any insurance?

It is sunset now. The labourers have left the site for the home, and their family. Like a lot of us, who might be working in bigger, better offices but not immune to life and its adversities.

I do not know about you, but am getting curious about the Insurance sector. This 23rd of December, I’m going to attend an exclusive #IFSOFLife meet up by BajajAllianz to learn about an upcoming Online Term Insurance Plan. Term Insurance Plan, aims to shield your family from uncertainties in life and has the benefit of all traditional insurance plan.



To know more, Follow me on Twitter, Facebook, Snapchat [ektakhetan] and this blog. 
You can also follow @BajajAllianzLIC for further updates.

Let’s explore it together!

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Top 5 Financial Tips for the Newly Wedded

"I, ____, take you, ____, to be my lawfully wedded (husband/wife), to have and to hold, from this day forward, for better, for worse, for richer, for poorer, in sickness and in health, until death do us part".
Practically every couple takes the same vows on their wedding. The oaths taken during marriage are not just restricted to the wedding altar but plays a great role in their day to day life. While we leave the emotional compatibility to your discretion, we must hark upon a very important aspect of married life, that if taken well-care of, will add to the emotional and social success of your wedding. Yes, I am talking about the financial planning and management.

Source: Lifehacker
Here are few financial tips for the newly wed couples-
1) Know Each Other's Finances including Debts: Ideally, you would have discussed this before marriage. However, it is time to discuss it in details and in length. You may ask why? simply just to know levels of your financial commitments, savings, retirement plan, real-estate, cash flow and plan your expenses accordingly. Taking a look at the numbers helps you in managing your finances. You also need to ascertain and understand your debts level so you can work towards clearing it up. 
2) Design a Budget: You may have different lifestyle before the wedding. Good news is that now you have a combined pool of finances to manage your expenses, investment and debt. To make sure making all the ends meet, you need to design a monthly budget of your household under broad categories like - essentials, entertainment, engagement and luxury. Designing a budget is am important step towards building your financial goals.
3) Designate a Bill_Payer: You need to divide your responsibilities including bill payment pattern. You may have different utility bills like electricity, maintenance, house-help etc with different payment schedules. You need to designate depending upon the frequency and timeline to ensure a timely, hassle free and smooth payment. This comes handy when both the members are working.
4) Tune into the investment mode with SIP: Now since you have discussed your finances, knows your money and expenses, you need to allocate some funds to investment as well. A healthy economy is one where the spend is < investment. One easiest way to invest is via SIP [Systematic Investment Plan], one of the Sabse Important Plan for your marital harmony. 

You can check Birla Sunlife SIP for some top SIP plans including mutual funds,  and other SIPs.
5) Share the Load: Last but most importantly, you have entered the oath of the wedding to not act as a parasite feeding on each other but to build a symbiotic relation. The gender gap is fast diminishing with the time. With the women also working at offices, they need to share the household expenses with the husband. 

Source: The Fiscal Times
So, these were my top 5 financial tips for the newly wed. Do follow them and remember, a penny well-saved is a penny well-earned. 

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