digipayact@gmail.com

Home - digipayact@gmail.com
administrator
Avoiding Insurance Mis-Selling: How to Select a Suitable Plan Insurance is a useful financial element that shields a person and their family from any unforeseen risks. However, a large percent of individuals have been victims of insurance mis-selling and thus buy products that they do not need or suit them. To avoid being a victim of such a practice, you need to factor in your current source of income and lifestyle and decide on a plan that you feel is best while still focusing on marketing gimmicks. Following the instructions provided within this guide will insulate you from mis-selling while allowing you to get an insurance plan that is worthwhile to your future goals. Why Insurance Should Suit Your Income Your income is a crucial factor in the array of choices available to you when picking an insurance plan. It shouldn't be the case that a plan can be to expensive for you or that it is not able to meet your minimum requirements. For Lower Income Levels: Individuals with a low income need to look for a comprehensive plan that is able to provide them low coverage. Insurance cover is cheap but this helps the individual be balanced in their income without being negatively influenced by their insurance payments. For Higher Income Levels: Comprehensive insurance service on the other hand is a must for high income individuals especially if they are already fast earners of above ₹1lakh. Plans such as these are designed for greater financial responsibilities while at the same time assuring that your family is comfortable should you pass away. Pro Tip: You should always check on the goals and the needs of your family before you select the amount to cover. Issues Facing High-Income Families Most of the high-income families have premium liabilities and assets that in turn come with responsibilities such as providing education for their children, significant expenditure, and home or business mortgage. In such situations, adequate term insurance coverage is out of question. As per Rhishabh Garg, Head of Term Insurance at Policybazaar, “Term insurance gets more important for high income earners because their dependents would want them to get a quality education and have a good standard of living. Insuring these dependents adequately through a term cover ensures that the set goals do not get compromised.” Important Points: Lifestyle Costs: The cost of a policy should be adequate in a sense that it manages the current expenses of the family in question. Financial Liabilities: Total amount of loans being paid should be included in the calculations of coverage requirements. Risk Factors: Consider the risk of inflation, health-related issues, and economic changes. Some indirect tax consultants are now selling term insurance with coverage up to ₹20 crores for business people and those with insurance. The Best Ways to Avoid Mis-sold Insurance Insurance mis-sold is common mostly because of the selective information a consumer ends up getting from an agent or friend. To ensure this doesn't happen to you, you need to select a policy after duly evaluating one's requirement to take insurance. 1. Plans Comparison and Research The time to take different insurance policies is not at the last moment. Take your time to study various policies. Study the offers of premiums, benefits, and riders provided by them. “Comparing plans can help people determine which policy is appropriate for them, ” says Siddharth Singhal, Chief of Health Insurance at Policybazaar. Use online tools and resources to make the task of comparing much easier. 2. Go Through The Policy Documents Very Carefully Always ensure that you have read the policy statement and you understand it before signing. Focus on: Inclusions: Ensure that all the important aspects of your coverage are captured. Exclusions: Always take note of circumstances that may qualify for claim rejection. 3. Do Not Make Decisions Based Off Emotions Emotional sales tactics targeting life insurance policies are common among agents. Make decisions that revolve around recent information and facts and not feelings or even friends and family’s influence. 4. Seek Help When Needed In the case of feeling lost, reach out to a suitable financial consultant who might be able to help you choose a suitable plan. Insurance For Being Transparent In dealing with an insurance decision, one needs to understand the nitty-gritties of the policy as much as the plan bought. It is important to be clear what is part of the policy, what is not, and how things will be done during a claim. What Are The Major Aspects To Consider: Policy Term: Set it in context of your strategy on the finances in the future. Claim Settlement Ratio: Investigate the statistics on how smoothly the provider has been in settling claims. Extra Riders: Riders such as critical illness rider or accidental death rider add further enhancement to your policy. To conclude Buying all right insurance plans won’t be an easy task, but it’s possible with some effort and the right decisions. Making sure that your policy isn’t exceeding your salary, conducting a strict analysis, and exercising caution to the tactics of mis-selling certainly allow you to obtain insurance that will serve the purposes for which it was taken for your family and you. Do not forget that the warranty can only be that insurance policy that is needed not the one which someone is mentally forcing you to purchase. Today, take charge and protect yourself from falling victim to insurance mis-selling Insurance

Avoiding Insurance Mis-Selling: How to Select a Suitable Plan

Insurance is a useful financial element that shields a person and their family from any unforeseen risks. However, a large…
WHO Keeps Mpox as Global Emergengy – Cases on the Rise As a result, the World Health Organization (WHO) has classified the condition as mpox a public health emergency of international concern. We now look back to what fueled such a decision by grappling with the high number of increase in the number of cases and the widespread reach of the virus. Reasons as to why mpox remains in such high global stature The committee comprises of WHO officials as well as independent experts, and this time Whythe WHO Global Mpox Vaccine Boundary meeting was set in Geneva to specifically address the global mpox issues on the 20-21 November. The WHO’s committee joins together to meet and assist the cross barrier condition, which saw them approve the measure in consensus; With a few experts believing that a Degree of Emergency should be retained because: Increased number of cases since last records Traceable contact with the wider spread of the virus Geographical pockets which are making this strain hard to control Countries as well are not in sync which priority and aspects to tackle This Bind draws attention as to why countries are now gradually getting the mpox vaccine boundary in place and looking to tackle this preventing further outbreaks. Mpox: Reappearance in Modern Times: A Regional Perspective The mpox outbreak has consistently grazed the region during the revolutions of the past. The leading mpox cases have been from Congo as well as other regions in Africa in this particular decade. The recent outbreak in Aug 2022 caused concern among the health officials regarding any further recessions of the epidemic. Experts have even warned of a situation where the epidemic could be worse than that of covid-19. Effects in the Affected Countries and areas As seen in the DRC, it was noted that seats in places like Africa had the worst impact of mpox with profound violence. A few hundred deaths have surfaced which places evident pressure on the European Union as well as international aid in order to avoid another similar episode in containment strategies. Pivotal Roll Out of Vaccines and Issues in Distribution Due to there being a rising threat of misbehavior across the region, there was a need to roll out the first batch of vaccines and that was done last month and the goal did in fact seem to be accomplished as early evidence suggests otherwise but it is starting evidence. The WHO has sayed that there is more need to be done and more evidence means more assurance. In these regions it is ensured that there is an intent to possess resiliente settings, but it is still a major challenge to make items of desired access available equally. Explaining the Nature of Mpox: Causes and Effects A rare but noteworthy trait of the Mpox is its ability to become fatal, albeit severe. The Mpox virus is largely acquired by close interactions with infected individuals which include the following: Sweating together or even the slightest of contact between their skins Any form of sexual intercourse One’s lungs absorbing any infectious droplets from the air Once the virus finds its way into the human’s body, it begins replicating and targeting lymph nodes within the body which eventually leads to some inflammation. Swelling of the lymphatic system is common and the body develops rashes or lesions around that area. The Urgent Appeal for A Global Response The crisis caused by mpox can definitely be dealt with through the following strategies: Reforming the existing reporting and analyzing systems Ensuring adequate distribution of antiviral measures and vaccines Making the general public aware of precautions Providing Affected Areas With More Facilities And Support The Concluding Points Mpox is particularly a serious disease in Africa and needs to be addressed as a global threat. The global pandemic has created urgency with the WHO recently deciding to keep hui on a level one alert, and this alone is a signal that there is more to be done on a global scale that can go towards the prevention. An emphasis on vaccination, education by reallocating means and resources globally can help prevent future issues related to this illness. Health

WHO Keeps MPOX as Global Emergency Cases on the Rise

As a result, the World Health Organisation (WHO) has classified the condition as mpox a public health emergency of international…
Walk Yourself Healthy: Enhance Your Fitness through Walk-at-Home Exercises In this article, you’ll see how a walking workout can change the course of your fitness journey! The objective of going from point A to point B does not limit the act of walking as it walks freely around. It works every part of your body, improves your fitness, aids in burning calories, and creates more energy. In this guide, we will consider an entirely new walking-at-home fitness complex that is suitable for everyone regardless of the level of preparedness. Why Go for Walk-at-Home Workout? There are many reasons people would want to use walk-at-home workouts but the most obvious reason is the impact, accessibility, and effectiveness that it provides the user. This technique uses uncomplicated walking motions, which are built into dynamic exercise routines involving all body parts. The user does not need to be an expert walker or a fitness enthusiast as much, because this workout enables the users to gain their goals step by step. Now, where do I start, from a mile? That doesn't sound great, but with this, I'm off! To cater for ‘the jump’ into a walking while at home experience, this one-mile walking routine starts by bringing up the body temperature, by Easy/a brisk walk and now gently progressing into basic steps. Such experts gives reasoning that it is necessary to warm up prior to the following workout, so that: – The mind adjusts towards the session – The heart intensity goes up enabling enhanced performance – Muscles becomes loose aiding in enhancing athletic performance and preventing unforeseen injuries The Four Key Steps for Maximally Refining Upper and Lower Appendages Alternative Methods to Achieve Upper Body Engagement and Total Body Stabilization Pumping one’s arms, engaging core muscles while maintaining a stable chest is an excellent warm-up procedure. This gives the body an idea of what is to be expected during repetitive movements; alternatively known as the rhythm for a sequence or an entire workout. Level two involves twisting and performing a side step. Here the focus should be on lowering-glute quadriceps muscles and for a twist adding concentration and weight on the upper half by either rolling or moving the shoulders throughout. Ballet dances and horse riding both allow the use of gentle kicks, the latter does so more elegantly and with improved balance. Kicks with some integrated arm reach are powerful moving arm draws that enable one to conserve more calories. Knee lifts are an excellent way to enhance the body’s centre of gravity as well as improve movement stability by harmonising and lifting one’s knees. Shifting her upper body and torso forward or raising her arms. To downscale the exertion lifting one’s knees to mid-height will suffice. Outpacing with Resistance Bands to Functionally Stimulate Muscles Engagement of hunger muscles to wave and boost intensity throughout requires additional speed to one’s existing reps, along with the incorporation of stomach retaining or muscle retraction exercises which may enhance breathing resistance. Dodge in squats, leg lifts, squat kick back and hip dips to keep the tension across the abdominal muscles and chest raised. Resistance Training: A Game Changer for Walkers Adding resistance training to your workout can be as easy as using a resistance band. For example, placing the band around the back while performing chest presses, band pull-aparts, and standing crunches strengthens your back, shoulders, and chest while improving posture and core stability and building protective joint muscle to protect against injury. Cool Down: Relax and Recover Every great workout should include a proper cool-down period to help aid in recovery. Slow kicks, tap-outs, and gentle static and dynamic stretches can bring your heart rate down, help you recover and in the process help you avoid dizziness. Cooling down allows you to better manage stress and prepare your body for the next workout by increasing blood flow and reducing the chances of muscle stiffness. Muscle groups that have been worked can be re-engaged through stretching exercises such as lunges and arm stretches that will leave you in finish feeling great. The Benefits Of Walking Workouts It is evident that a walking workout routine at home not only aids in burning calories but also helps in the improvement of cardiovascular health and the increase of strength in major muscle groups as well as coordination, balance and posture all while being easy to incorporate into a busy schedule. Four Minutes to Fitness: Addendum To those who are busy, it features a four minutes of high intensity exercises. Single-leg lift, reverse lunge, and squats exercises work your muscles and gets your heart pumping. As this is quick, it’s a perfect circuit to boost your fitness for the day. Let’s Continue With The Whole Routine Success comes from continuity. For best results, it’s essential to add walk-at-home exercises into your schedule at least three to five times in a week. You can also merge your workout with some light smoothies – like cold coffee, protein powder, and banana – as a preworkout hydration boost. Conclusion Walk-at-home is not simply an exercise; it is a walk-at-home fitness revolution. These workouts are great for self improvement, as they require no equipment and no gym. Throw on your sneakers, feel the beat and walk into a new healthy you! Fitness

Walk Yourself Healthy: Enhance Your Fitness through Walk-at-Home Exercises

In this article, you’ll see how a walking workout can change the course of your fitness journey! The objective of…
Axis Bank Introduces New Credit Card Fees Starting December 20, 2024: Key Details to Know Axis Bank has announced a significant overhaul of its credit card fee structure, which will come into effect from December 20, 2024. The changes will impact various types of transactions, including reward point redemptions, interest rates, and payment fees. This article provides an in-depth look at these changes and their potential effects on Axis Bank credit cardholders. New Credit Card Redemption Fees for EDGE Rewards and Miles One of the most notable changes is the introduction of new redemption fees for customers who use their EDGE Rewards or Miles. Axis Bank will charge a fee of Rs 99 (plus 18% GST) for customers redeeming cash from their reward points. For those transferring points to mileage programs, the redemption fee will increase to Rs 199 (plus 18% GST). This applies across several popular Axis Bank credit cards, including the Axis Bank Atlas, Samsung Axis Bank Infinite, and Axis Bank Magnus Credit Cards. However, customers holding Citi-protege cards like the Axis Bank Olympus and Horizon will not be affected by this change. To avoid these new fees, customers have the option to redeem or transfer their points before the December 20 deadline. Updated Credit Card Charges and Interest Rates Axis Bank has also revised several other charges for its credit cards. Starting December 20, the bank will implement the following key fee adjustments: Interest Rates: The monthly interest rate on outstanding balances will increase from 3.6% to 3.75%. This means that cardholders who carry a balance will face higher interest charges. Payment Charges: There will be additional fees for specific payment-related actions: Auto Debit Reversals and Check Returns: These will incur a 2% charge, with a minimum fee of Rs 500 and no upper limit. Cash Payments at Branches: A fee of Rs 175 will be charged for cash payments made at Axis Bank branches. Missed Payments: If the Minimum Amount Due (MAD) is not paid for two consecutive billing cycles, an additional penalty of Rs 100 will be applied. This penalty will continue until the MAD is cleared. Dynamic Currency Conversion (DCC): The markup for currency conversion on international transactions will increase from 1% to 1.5%, which could lead to higher costs for overseas spending. Changes to Rent Payment Charges In another significant change, Axis Bank will now apply a 1% fee on rent transactions made through their credit cards, with no maximum cap on the charge. This update means that cardholders using their credit cards to pay rent will incur a fee based on the total transaction amount, unlike before when there was a capped fee for such payments. Revised Charges for Specific Transactions Axis Bank has also implemented changes to fees for other types of transactions. Some of the major adjustments include: Utility Payments: If your utility payments, such as for electricity, water, mobile services, or broadband, exceed Rs 2.5 lakh per month, you will incur a 1% fee on the total transaction amount. Foreign Transactions: As mentioned earlier, foreign currency transactions will now incur a 1.5% markup due to the increase in dynamic currency conversion charges. Online Gaming and Skill-Based Transactions: A 1% fee will apply to online gaming or skill-based gaming transactions exceeding Rs 1 lakh per month. This change aims to regulate and possibly limit high-value transactions in this category. Conclusion: Impact of Axis Bank's New Credit Card Fees The new credit card fees introduced by Axis Bank are set to significantly impact cardholders, especially those who frequently redeem rewards, make international transactions, or use their cards for large payments such as rent and utilities. It’s crucial for Axis Bank credit card users to review these changes and take action before the new fees come into effect on December 20, 2024. If you are an Axis Bank cardholder, it may be worthwhile to redeem or transfer your reward points before the deadline to avoid the new redemption charges. Additionally, ensure that your payments are made on time to avoid the penalties associated with missed payments. By understanding these changes and planning accordingly, you can mitigate the financial impact and continue to enjoy the benefits of your Axis Bank credit card. This updated fee structure is likely to affect a wide range of users, and staying informed will help you manage costs effectively. Keep an eye on official communications from Axis Bank for further updates. Credit Cards

Axis Bank New Credit Card Fees From December 20, 2024

It is anticipated that beginning December 20, 2024 Axis Bank’s customers will be subject to fresh fees and meanwhile every…
TGNPDCL Recruitment 2024: A Chance to Get 2260 JLM, AE, and SE Vacancies Telangana Northern Power Distribution Company Limited (TGNPDCL) has officially released their recruitment notifications and has listed 2260 vacancies for Junior Lineman (JLM), Assistant Engineer (AE) and Sub Engineer (SE) in the year 2024. This is a very good trend for the applicants who are looking for a promising career in the power distribution industry in the State of Telangana. Candidates with qualifications such as ITI, diploma, and other degree holders are invited to apply. The recruitment includes the conduct of a written test followed by an interview. The forms will be filled out solely through the official portal of the TGNPDCL which is tgnpdcl.com. The timelines for submission of the applications have not been declared but anyone interested should get ready soon. Main Points to Consider Before Applying to TGNPDCL Recruitment 2024 Recruitment Conducting Body: Northern Power Distribution Company of Telangana Limited (TGNPDCL) Name of Posts: Assistant Engineer (AE), Junior Lineman (JLM), Sub-Engineer (SE) Number of Vacancies: 2260 Type of Application: Online Last Date of Application: Yet to be Notified Website: tgnpdcl.com Minimum Educational Qualifications and Age for TGNPDCL Recruitment 2024 All the directed educational or age criteria for the relevant post must be satisfactorily accomplished by the candidates as mentioned below: 1. Assistant Engineer (AE) Number of Vacancies: 18 Requirements: BE/B.Tech in the fields of Civil or Electrical Engineering from any reputed University or Institution. Understanding Age Requirement: Must be at least 18 years of age and a maximum of 44 years of age. 2. Junior Lineman (JLM) Number of Vacancies: 2212 Requirements: Passed the SSC/SSLC/10th grade. Has acquired an ITI in electrical wires or as a wireman, OR An Intermediate 2 Year Vocational course on electrical matters from any recognized educational institute in AP/Telangana Understanding Age Requirement: Must be at least 18 years of age and a maximum of 35 years of age. 3. Sub-Engineer (SE) Number of vacancies: 30 Requirements: Must possess either; a DEE in Electrical Engineering or DEEE in Electrical and Electronics Engineering OR Possesses a Bachelor’s degree in any of the fields of Engineering, be it, Civil, Electrical, or IT. Understanding Age Requirement: Must be at least 18 years of age and a maximum of 44 years of age. TGNPDCL Application Fee Structure All exam fees and application fees are distinct according to categories. Candidates should consider the guidelines before applying for the position: Category Application Fee Examination Fee General ₹120/- ₹200/- Candidates from Other States ₹120/- ₹200/- ST/SC/BC/PH/EWS (Telangana) Exempted ₹200/- Selection Process for TGNPDCL Recruitment 2024 The recruitment process for TGNPDCL features two major aspects or sections which are as follows: Written Examination The Candidates will have to appear for the written examination which will be based on the syllabus for their respective posts. Interview The postulants having qualified the written test will be called for the interview. This phase entails evaluation of the applicants’ technical skills, candidature knowledge, and suitability for the position applied for. Steps to Apply for TGNPDCL Recruitment 2024 If you would like to apply online for TGNPDCL Recruitment, please follow these steps: The first step consists of logging into TGNPDCL’s main page tgnpdcl.com. Then go to the “Careers” page and find the career notifications relevant to the post. Click on the relevant link in order to start applying. Next, key in your bio data regarding your personal and educational history on the application form. Photograph and a signature should be scanned and the required documents are uploaded. Then pay the application fees according to your category. Check the data entered for any errors before sending in your application. To save or print, the application form posted should be useful in the future. Important Dates Event Date Starting Date to Apply To Be Announce Last Date to Apply To Be Announce Why Apply for TGNPDCL Recruitment? As new employees of the TGNPDCL, the applicants will be provided with an opportunity and resources to further their career in the power distribution industry. These positions also come with a good salary and career growth chances, therefore it is suitable for people who want to assist in the development of energy market of Telangana. To keep track of application procedures or recruitment updates make sure to visit tgnpdcl.com rather often. This is a chance to advance your career in the year 2024, so do not waste it Recruitment

TGNPDCL Recruitment 2024: A Chance to Get 2260 JLM, AE, and SE Vacancies

Telangana Northern Power Distribution Company Limited (TGNPDCL) has officially released their recruitment notifications and has listed 2260 vacancies for Junior…