A Fresh Review

7 Benefits of Investing in Bajaj Allianz Life Goal Assure for specific Goals

Bajaj Allianz Logo

Bajaj Allianz Logo

Everyone has dreams but only a few make them a reality. The reason behind the success is preparation and focus. Many people save money for future requirements like buying a dream home, seeing their child graduate from a premier school, traveling the world or enjoying their retirement. Such #LifeGoals give meaning to our life but is saving money the right way to prepare for these?
The answer is “No”. Savings are generally not focused on a specific purpose or achieving #LifeGoal. When sudden requirement arises, we tend to use our savings for that requirement delaying or even canceling our future goals. Low returns is another reason why saving is not the best strategy when it comes to preparing for a specific #LifeGoal.
In my post, 3 Financial lessons I learnt at the Bajaj Alliance Life Insurance Bloggers Meet, I had mentioned the 3 Financial lessons that help me understand how I can financially plan for any goal and get the highest return out of it.
Bajaj Allianz Life Goal Assure is a policy that helped me plan and focuses my investment for a specific goal.
Bajaj Allianz Life Goal Assure is a new-age #ULIP for life maximizers. It is a life goal based ULIP plan that provides an opportunity to plan yours once in a lifetime experiences with zero worries. With the choice of eight funds investment strategies, the return of life cover charge on policy maturity, tax-free returns on your investment and life cover; it is the best investment your money can buy. Furthermore, you can opt to receive the maturity benefit in installments by staying invested in fund(s) of your choice and receive the benefit of Return Enhancer, which is an addition of 0.5% of each due installment.

How ULIPs Work


        7 Benefits of Investing in Bajaj Allianz Life Goal Assure

1. Return Of Life Cover Charges*:

At the end of the policy term, on the date of maturity, the total amount of mortality charge deducted throughout the policy term w.r.t regular premium and top-up premium, if any, will be added back, respectively, into the Regular Premium Fund Value and into the Top up Fund Value, as applicable. This helps you to get more value for your investments & realize your life goals.

2. Return Enhancer:

Which is an addition of 0.5% of each due installment. During this period, the customer’s fund value will continue to participate in the fund(s) of his/her choice.

3. Four Portfolio Strategies⁺:

You can choose from 4 portfolio strategies according to your investment style to accomplish your life goals, such as

Strategy 1: Investor selectable portfolio strategy:

Policyholder can allocate the premiums based on his/her personal choice among the 8 funds & to suit his/her investment needs.

Strategy 2: Wheel of life portfolio strategy:

At different Life stages, everyone has different financial goals and therefore the investment strategy needs to be realigned to the same. Once this portfolio is chosen, basis years to maturity the premium paid and the fund value will be allocated to various funds (namely Bluechip Equity Fund, Equity Growth Fund II, Accelerator Mid-Cap Fund II, Bond Fund & Liquid Fund) in the proportion depending on the outstanding years to maturity.


Strategy 3: Trigger based portfolio strategy:

This portfolio strategy is helpful in securing the gains and maintaining the asset allocation. One can opt for this strategy at the commencement of the policy only. Premiums will be allocated in two funds Equity Growth Fund II (an equity oriented fund) & Bond Fund (a debt oriented fund) at 75:25 ratio and the same will be re-balanced/re-allocated based on a pre-defined trigger event (15% upward movement in NAV (unit price) of Equity Growth Fund II) since the previous rebalancing or from the NAV (unit price) at the inception of the policy, whichever is later. On the occurrence of trigger event, the fund value in Equity Growth Fund II which is in excess of three times the fund in Bond Fund will be considered as gains and will be switched to Liquid Fund by redemption of units from Equity Growth Fund II.


Strategy 4: Auto transfer portfolio strategy:

This portfolio strategy helps the policyholder to invest his/her money in a systematic manner over the years by automatically transferring it every month, from a low risk fund to fund (s) of his/her choice. The proportion to be switched will depend upon the number of outstanding months till the next premium due date. The strategy will not be available if the policyholder has opted for monthly mode.

4. Unlimited Fund Switches:

Invest as per your choice among the 8 funds available under Investor Selectable Portfolio strategy and switch between them without any tax liability.

5. Life Cover To Protect Your Family:

In case of death of the policyholder, if all due premiums are paid, the nominee receives the Higher of (Sum assured~ or Regular Premium Fund Value), plus Higher of (Top up Sum Assured or Top up Premium Fund Value. The above benefits will be payable as on date of intimation of death. This benefit is subject to a minimum guaranteed benefit of 105% of total premiums* paid.

6. Tax Benefits#:

This plan offers tax benefits at the time of investment as well as on maturity. Tax Benefit on investment up-to INR 150,000 can be claimed as a deduction under section 80C (life insurance). Under Section 10(10D), for ULIP’s, where the premium payable to the sum assured does not exceed 10%, the amount received on partial withdrawal or maturity is exempt from tax.

7. Get More Value For Staying Invested^:

Get Loyalty Additions & Fund Boosters for paying premium regularly and staying invested. So now why worry and limit our self to small returns.

 (1minimum switching amount is Rs. 5,000 or the value of units held by the policyholder in the fund to be switched from, whichever is lower.
^ subject to policy terms & conditions
# Subject to provisions as per Income Tax Act, 1961. Tax Laws are subject to change.
* if all premiums under the policy are paid up to date, the above will exclude any extra mortality charge and/or any GST w.r.t. mortality charge deducted. No ROMC will be available in a surrendered policy, a discontinued policy or a policy converted to paid-up.)

Following short video helps, us understand the #BajajAllianzLifeGoalAssure investment product in detail.  


For more details download the brochure by clicking on below link.

Download Brochure

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3 Financial lessons I learnt at the Bajaj Alliance Life Insurance Bloggers Meet

It was the first working Monday of this new year when I had the privilege to attend #BajajAllianzLifeInsurance bloggers meet where I understood the importance of planning and investing for my #lifegoals. A creative person like me can dream big and have the appetite to desire the world for not only myself but for my family. The problem is I have no idea how big of a dent those dreams would make in my savings and if I have enough. I have always been comfortable with savings as my most preferred option to prepare for the future.

The big question is, “Will mere savings with limited interest support my big life goals?” The answer is no and the #BajajAllianzLifeInsurance bloggers meet forced me to think about my goals and the money I would require to fulfill them.
Bajaj Alliance Life Insurance MD & CEO Mr. Tarun Chugh

Bajaj Alliance Life Insurance MD & CEO Mr. Tarun Chugh

The event was very educational and encouraging about smart investments. There were presentations from #BajajAllianzLifeInsurance MD & CEO Mr. Tarun Chugh and #BajajAllianzLifeInsurance CIO Mr. Sampath Reddy. These two managed to help us understand the importance of making our money work hard. They shared with us the changes and improvements happening in the insurance industry especially #ULIPs. They highlighted how we need to plan for each #LifeGoal separately and strategically. I was amazed how they explained complicated financial topics in the simplest manner. They both answered all our questions and encouraged us to speak up about our experiences with investments.

Top 3 Financial Lessons that I learned at the meet:

1. Start Early:

The event was not only serious talk we also had some fun and played an interesting game of darts. In this game, we were given darts to throw at a spinning target that had our #LifeGoals written on it. The catch was we were given markers to stand upon as per our age. The younger you are the closer you can stand to the spinning target and get an easier chance to hit your #LifeGoal.

Bajaj Allianz Meet Life Goal Game

Bajaj Allianz Meet Life Goal Game

We enjoyed this fun game and this was a smart way to understand that it is a good idea to start our investments early. The earlier you start the better returns you can get for even lower investments. Do not let this discourage you from investing on the contrary start now. No matter your age just no point in any more delay.

2. Research:

Savings is safe but they do not give you the returns that could match big life goals. After attending the presentation session of Mr. Tarun Chugh and Mr. Sampath Reddy It was made clear to me that we need to broaden our knowledge about the new and upcoming investment options. It is wise to pick an organization which believes in keeping their customers well informed.

Bajaj Allianz Life Insurance CIO Mr. Sampath Reddy

Bajaj Allianz Life Insurance CIO Mr. Sampath Reddy

The #BajajAllianzLifeInsurance CIO Mr. Sampath Reddy sends a monthly mail to their customers explaining the ups and downs of the market. This gives them the necessary tools to tweak their investments and increase their gains. We also learned that financial products like #ULIPs have lot new improved features. #ULIPs are safer, more flexible, transparent, they are simple to manage and can give us tax benefits while making our investment diversified. So #InvestBefikar now why worry and limit our self to small returns.


3. Make the money work:

In between his presentation, Mr. Tarun Chugh asked us a question, “Does your money work hard for you?” This got me thinking and sadly the answer for me currently is no. We all work hard for money but how many of us can confidently say that their money works for them too. We are happy with our traditional safe savings options where we scarify higher returns because we are not willing to try new.

As explained in the above point a proper study can help us find out the best solutions to #InvestBefikar so that our money works harder and grows better.

Bajaj Allianz ULIP Comparison

Bajaj Allianz ULIP Comparison

I also learned some amazing features of #ULIPs like they have been consistently exceeding benchmark returns. They give tax benefits at a lower cost. They provide life cover. Hence it is safer to say that #ULIPs are great investment tools for long-term #LifeGoals.

“Homecoming of Terror”: Review of House of Cards (Season 5 Episode 1)

Homecoming of Terror

Homecoming of Terror

The much awaited Season 5 of House of Cards will be aired on Saturday, 3rd June 5 pm onwards only on Zee Café #HOConZCafe and like many eager fans of this political drama I also cannot wait to enjoy this Season 5 Premium Marathon.

Spoiler Alert: This article contains spoilers from the First episode of Season 5 of House of Cards.

The opening episode of the Season 5 gives us a glimpse of the terror storm the Underwood’s are plotting to unleash on the terrified American People.

The episode starts with FLOTUS Claire Underwood’s (Robin Wright) public address that actually was a well-crafted political campaign reminding the people about the domestic terror and the upcoming presidential election where she stood in support of her husband President Frank Underwood (Kevin Spacey).

While the First Lady was, addressing the nation President Underwood interrupts the congressional session and demands an authorization of war against ICO the Terror organization that has terrified the nation. Frank throws his Power and weight around in a ploy to stop the group from discussing his shortcomings and to focus on the retribution for the home-grown terrorists that murdered Jim Miller, an innocent husband, and father. The Underwood’s are using terror spread among the nation to keep their Power and win the 2016 election.

“I will not yield” Frank Underwood, House of Cards.

In another shocking scene of the first episode, we see that Frank has had the terrorist in custody the entire time.

He looks to the audience and says, “Did you think I didn’t already have him, that I would have left him out there somewhere? I thought you knew me.” This scene shows us the depth of his complex character. Frank Underwood is ruthless, cunning and pure evil that is driven by power and for power.

One Nation...Underwood

One Nation…Underwood

Kevin Spacey as Frank in the First Episode played his role perfectly as ever but from the look of the opening episode of Season 5, I have a feeling that Robin Wright as Claire will take the center stage. She opens the season addressing the people and we can sense that she is going to be on the front end a lot and hopefully (I like her more than Frank) overpower her husband and take his position in the future.

The FLOTUS is powerful because she comes across as refined and calm but she is an opportunistic and a schemer. We see her cold side when she meets Joshua Masterson’s (terrorist) mother and asks her “Didn’t you know what was going on in your own home?” She also persuades her to appeal to her son to surrender.

“You saw what he did, didn’t you? Would you like to see it?” Claire Underwood, House of Cards.

She also visits a burned-out gas station, and calls out Conway for “refusing to acknowledge the seriousness of the threat made here at home”.

My favorite dialog from this episode was right in the beginning where Claire is recording her message for the nation.

She says, “It’s terrifying, isn’t it?” and we cannot help but agree with her.

The political landscape has remarkably changed since the fourth season of House of Cards. The real events have would have some influence on the series but I hope the makers of House of Cards do not change their story to match with the real world.

It amazes me how this show continues to surprise the audience. How they can find new depths of evil and how they come up with so simple yet powerful dialogues that stay with us long after watching the show. The Underwoods have us under an evil spell and from the look of the opening episode, I can safely say season 5 will be a thrilling ride.

Don’t forget “Frank Underwood is coming to India with the television premiere of House Of Cards Season 5 on Saturday, 3rd June, 5 PM onwards, only on Zee Café! #HOConZCafe”

Berger Express Painting Review – A faster, Cleaner, Better Way of House Painting

Berger Express Painting

Berger Express Painting


Saturday Berger Paints and IndiBlogger arranged an activity-filled event about innovation in house painting. It was interesting to know how much the painting world has changed. I wish I knew about Berger Express Painting service couple of years back when I painted my house. This advanced technology makes painting job a faster, cleaner and better method then the tradition painters. If you are planning to paint your house or just get one of those fancy textured walls then do check out the Berger Express Painting service and save a lot of your time and sanity in the process.

My experience with Traditional Painting Method:

Couple of year back I planned to change the paint of my house to a very elegant cream color which I had in my mind for quite a long time. Every room in my house was of a different color and the only instruction I gave to the local contractor/ painter was to change every room to my choice of cream that I selected from a range of almost identical colors sheet of cream and white at the local store that the contractor suggested.

The store-owner and contractor spoke in their mother tongue that I could not understand which made me feel like I was being taken for a ride. I should have noticed the red flags but as he was the only painter available before Diwali, I ignored my gut feelings and went with every suggestion the contractor was throwing in my direction.

The moment I purchased the paint cans and fresh brushes, the contractor took over the project and I felt that I had no control of what was going on in my own house. Next 12 to 15 days my house was a complete mess and I felt helpless and frustrated.

The bloggers meet made me realise that Berger Express Painting would have saved my Time, Money and Sanity. 

How Berger Express Painting Tools would have helped:

Amazing “Home Painting Tools” 


Short-handle Sanding Machine

Short-handle Sanding Machine

The workers had little to no regards about my furniture and a lot of time the ignored my suggestion to cover up the things in my house. My house was dusty and it was difficult to work, eat and even sleep because of the toxic dust in the house.

Here the Sanding Machine would have worked like a charm as it is,

  • Faster & Cleaner
  • Dust-Free Vacuum Function
  • Regulated Speeds



Multipurpose Mixer

The shade of my choice changed in the mixing process. As every room had, a different base color that the workers did not sand of completely the cream shade looked different in every room, which was not what I demanded from the contractor.   

Here the Multipurpose Mixer could have helped get the shade and texture right as it is,

  • Quick & Hassle-free Mixing
  • Regulated Speeds
  • Putty & Texture Mixing


Auto Roller

Auto Roller

The workers sanded off the old color with hand and it was ended up uneven and with bad finishing. The brushes could not cover up the sloppy work and the whole wall got a bad finishing.

Here the Auto Roller would have helped as it is,

  • Adjustable Roller
  • Automatic Paint Pumping
  • Superior Finish


high pressure washer

High Pressure Washer

The high pressure washer helps to clean up difficult to clean walls like the ones that are blackened or have fungus as it is,  

  • Hi-speed Pressure Wash
  • Pressure Regulator
  • Nozzle Adjustment


    Airless Paint Sprayer

    Airless Paint Sprayer

The Airless Paint Sprayer can give an uniform finish as it is,

  • Quick Application
  • Supports Water-Based Paints & Primer
  • Uniform Finish

About Berger Express Painting –

Berger Paints India being an innovation driven organization has come up with the Berger Express Painting service in order to upgrade the painting process. For some time now market research showed that the process of painting, for consumers was a very time consuming affair which came with its share of health hazards. Keeping this in mind Berger Paints has come up with the motto of a “Faster, Cleaner and Better” experience for consumers with its Express Painting service. It has been designed keeping in mind the upgradation of the painting process whereby both the consumers and the applicator benefits from this new service. On the one hand it promises the consumer a world class painting experience minus the dust, dirt and paint spillage with excellent finish and on the other hand it assures the applicator of more business by reducing the time required for each painting assignment.

With tools designed to specifically make the process of painting faster and hassle-free, painting is now an enjoyable experience:

40 percent faster than traditional painting!

Trained painters for efficient and better painting

Get sparkling results with our no-mess tools!

Cutting-edge vacuum suction-enabled sanding machines keep your house dust-free!

Better coverage and smoothness guaranteed each time!

Our certified tools ensure a better finish with high efficiency!

All these benefits and more offered at no additional cost!

About Berger Paints

Berger Paints India is headquartered at Kolkata, with 10 strategically located manufacturing units and about 110 stock points. The company also has an international presence in 4 countries (Nepal, Bangladesh, Poland and Russia). With employee strength of above 2800 and a countrywide distribution network of 25,000+ dealers, Berger is acclaimed as a game changer in the sector with a vibrant portfolio of paints and tailor-made customer services in every paint segment.

Facebook: https://www.facebook.com/BergerPaintsIndia/?fref=ts

Twitter: https://twitter.com/BergerPaintsInd

Instagram: https://www.instagram.com/bergerpaintsindia/

The Vibrant Writer Mobile App Launch & FirstWire Apps Review

We are proud to announce that The Vibrant Writer Mobile App is available for free download on Google PlayStore we invite you all to download the App for free from here.

The Vibrant Writer Mobile App

The Vibrant Writer Mobile App

The Vibrant Writer Mobile App provides you with an unique opportunity to carry all the posts in your pocket.

Some of the high level features of the app are:
1. Offline access to posts
2. Social sharing of posts
3. Option to bookmark the post and read later
4. Search the posts
5. Get notifications for latest posts.

The App is created by FirstWire Apps. 

Today is our Blog Anniversary. The Vibrant Writer (dot) com is another year old and we are growing in leaps and bounds. In my experience as a blogger, I have learnt that running a blog brings out a wide-ranging mix of emotions. Many times, I have been delighted to see a positive feedback from a client or a reader. On the other hand, every tiny technological glitch has scared me enough to keep me awake at nights. While writing a fresh article sometimes words would flow naturally this is when I experience pure bliss inversely they were also days when I stared at blank word document for hours questioning my life choices.

How has Blogging changed my Life?

Blogging helped me stretch my creative mind while the logical side of my mind had no choice but to expand as it tried to understand and cope up with the ever changing technology.

I am eternally grateful to my blog for giving me a purpose, an identity, a creative outlet, work satisfaction, hope and strength. It has made me a part of a brilliant community of highly creative people and has brought me closer to like-minded people from all over the world. Blogging expanded my reach, my universe bigger than I could ever imagine.

One important lesson I learned this year from blogging is to keep moving, to keep updating or in simple words staying relevant.

Why I got an App for my Blog?

The world is changing rapidly and the ones who do not adapt stay behind. Today smartphones are the most preferred platform of internet users. I was constantly checking if my site is mobile friendly and was not very satisfied with the results I was getting. I needed something that will be user friendly for the loyal readers of my blog. After some research, I decided to launch a mobile App on the day of my blog anniversary.

The Vibrant Writer App is live on Google Play Store. Anyone can download it for free HERE

Why did I choose FirstWire Apps to develop my Blog App?

 To be frank I had no knowledge about the App development industry. While doing some initial search FirstWire App’s site caught my attention as they create mobile apps for Bloggers and Small & medium companies.

I had a lot of questions and Anand Agarwal, the founder of FirstWire App’s answered all of them with patience. I exchanged a series of mails with Anand, every mail with a new question and he was prompt in replying them all. His answers helped to remove my fear of security concerns and other technical issues and gave me the confidence to go for the App.

How is the After Sales Service of FirstWire Apps?

I got constant updates from Anand while the App was in developing stage. After the development, he sent me a link to download the App on my phone. I suggested few minor changes and they were done in few minutes. This went on for a while and he was highly patient with me. I am also in the service industry and I value how politely he handled all my quires and suggestions.

I am happy with the after Sales service of FirstWire Apps and hope to see the same response from them in future.

Would I recommend them to a fellow blogger?

Yes, definitely because FirstWire Apps’ Developers are professional, fast, flexible and they know how to keep their client happy.

How to contact FirstWire Apps:

Anand Agarwal (founder of FirstWire Apps) direct contact: +91-9986292508

Website: First Fire Apps 

Adress: 2nd Floor, No. 1/1, 46 Cross, Sangam Circle, 8th Block, Jayanagar, Bangalore, India – 560070.

Mail: info@firstwireapp.com 

Mobile: +91-9538 188288

Few FAQs I like on the website of  FirstWire Apps:

Question 1: “I have a mobile friendly website, Why do I need a mobile app?”

Answer: There are some fundamental differences between two:

Website is for attracting new customers while app is for creating loyal customers

For website you need to open the browser, enter the website URL while app is just a tap away.

On website the customer comes, completes the activity and exits while on app the communication is two-way and ongoing.

Websites are more responsive to search queries but apps provides engagement, loyalty, and ease of use. App “lives” on user’s device.

The most successful marketers use their mobile website to attract new customers and convince them to download their app, generating an opportunity for profitable & ongoing relationships.

Question 2: Why should I get a mobile app?

Answer: Total number of mobile users have already surpassed the number of desktop users. World is moving from desktop to mobile-first to mobile-only era. Website is not enough as it cannot be fully optimized for mobile experiences. Mobile app provides better user engagements as it is sitting permanently on phones. Native mobile app provides many unique advantages like offline access, sharing etc.

Question 3: Who are behind FirstWire Apps?

Answer: We are a team of Code Ninjas, running technology business for past four years. FirstWire Apps is part of the group BICSL (Business Intelligence Consultant & Services LLP). BICSL is involved in building Analytics, Big Data & Mobile App products.

Question 4: Will you change the app as per my requirements?

Answer: We provide basic customizations like Color changes, Name, logo and branding etc. If you need a new feature on top of an existing app template then we would take it as a separate project. Please contact sales team for such requirements.

Post a Comment, Question or Suggestion below or by clicking “Comment” link under the Title.


The Drenched Duo (#YaaronKiBaraat)

Me with my Best Friend

Me with my Best Friend

What makes someone our best bud? Someone who fills our life with love and laughter, someone who gets us into trouble but also tries to get us out of a pickle. A best friend gives us the courage to go beyond our mental limitations, someone who challenges us to try to achieve our dreams, and someone with whom we can share anything and everything, someone who stops us from repeating our past mistakes but also sometimes become partners in a different blunder.

“When you’re in jail, a good friend will be trying to bail you out. A best friend will be in the cell next to you saying, ‘Damn, that was fun’.” ― Groucho Marx

I share a very strong bond with my best friend. For the last 16 years, I have been on fun roller-coaster ride with this special buddy of mine. Soon after we met, we become inseparable. As if two puzzle pieces that fit perfectly we instantly knew, we were meant to be together. Soon our friendship blossomed in love and the companionship got stronger. A decade of courtship got us close enough to be bonded in matrimony.

“You are my best friend as well as my lover, and I do not know which side of you I enjoy the most. I treasure each side, just as I have treasured our life together.” ― Nicholas Sparks, The Notebook

I share many great memories with my husband. Back in the dating days before we both got busy with our careers we went on a lot of unplanned trips. As we both loved water we would mostly end up at some coastal place. The sun, sand and waves kept calling us and we would immediately get on with another road trip. Rain or shine, by car, bike, ferry, bus or train we would always reach a destination where we could get drenched in the ocean.

Some unforgettable incidents happened on such trips. The scariest one was when we were quite young and stupid. Our first car got stuck in the sand of a secluded beach. We both were scared as we could not find anybody to help us and no matter how hard we tried, the car would not come out. We both had to go and find some locals and then request them to come and help us free our car. The locals did not like tourists and it was not a pleasant situation but the car got out unharmed.

With every challenge we face together we both come out stronger and wiser. We both understand each other’s strengths and weaknesses. We also understand the value of each other’s support and every day our dependency on each other increases. We feel stronger when we are together as we work as a team.

“My best friend is the one who brings out the best in me.” ― Henry Ford

This article is inspired by the ZEE TV’s Yaaron Ki Baraat as the new program got me into the spirit of Celebrating Friendships. I am thrilled to find out such amazing friendships among our favorite celebs.

History will be created on 8th October at 8 PM as Zee TV brings together two living legends of Indian cinema for the very first time on a television chat show. Sharing sepia-toned memories and heart-warming anecdotes from a friendship that spans over four decades is a special jodi that fans haven’t had enough of! Recreating their magic from films like Dostana, Bombay to Goa, Naseeb, Kaala Patthar and Shaan, Amitabh Bachchan and Shatrughan Sinha will spill the beans on their friendship on Zee TV’s chat show hosted by Sajid Khan and Riteish Deshmukh.