#insurance savings plan
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Savings Plans - Buy Best Saving Plan Online in India 2024
Savings Plan
A savings plan helps you get guaranteed returns against fixed monthly or yearly premiums. Further, these plans also offer a life cover that helps safeguard your family’s financial future.
What are Savings Plan?
An insurance savings plan is a financial tool that combines the benefits of a robust savings strategy with the security of insurance and guaranteed returns. Understanding how an insurance savings plan works can help you build a strong foundation for financial security. The best insurance savings plan offers a systematic approach to consistently setting aside a portion of your income, allowing you to accumulate funds over time. It provides a disciplined framework for allocating resources wisely, managing expenses effectively, and prioritizing your financial goals. By opting for an insurance savings plan, you can also adopt healthy financial habits and be better prepared to handle unexpected challenges and expenses.
Types of Savings Plan Saving money is ideal for financial planning, ensuring a user has a safety net for emergencies, future expenses, andlong-term plans. Savings plans are tailored to meet different needs and preferences. From traditional options like fixed deposits tomoderninvestment avenues like mutual funds, understand the diverse savings plans available in India.
Fixed Deposits Fixed deposits are India's most popular andcommonsavings instruments. Banks and financial institutions offer them as a way to allow individuals to deposit an amount for a fixed period at a predecided interest rate. Fixed deposits also provide capital protection and a guaranteed return, making them a secure option for conservative investors.
Recurring Deposits Recurring Deposits (RDs)are one of the commonfamiliar savings option for people who wish to deposit a fixed amount regularly, often monthly, for a pre-decided period. RDs offer flexibility regarding investment amount and duration, and they are agood optionfor individuals who build savings through disciplined and regularintervals..
Public Provident Fund (PPF) Public Provident Fund is astableand long-term plan the Government of India offers. PPF accounts have a lock-in period of 15 years, offergoodinterest rates, and offer tax benefits under Section 80C of the Income Tax Act. They also suit people looking for tax-efficient long-term savings with guaranteed returns.
National Savings Certificate National Savings Certificate is an instrument with a fixed maturity period and interest rates offered by the Government of India. NSC offers tax benefits under Section 80C and can be bought from post offices across India. It also provides a safe and reliable avenue for people looking to accumulate savings over a fixed period.
Sukanya Samriddhi Yojana SSY (Sukanya Samriddhi Yojana) is a savings plan for girls to promote their education and contribute towards their marriage expenses. It offers impressive interest rates, tax benefits under Section 80C, and partial withdrawal options after the girl child is of a certain age. SSY is a great savings option for parents looking to secure their daughter's tomorrow.
Employee Provident Fund Employee Provident Fund is an unavoidable savings scheme after retirement for employees in India. Both the employer and the employee contribute towards the fund, and the amount collated can be withdrawn at retirement or in case of emergency. It also offers tax benefits and is an essential retirement savings tool.
Mutual Funds MFs are schemes that collect funds from multiple investors to put money into a wide-ranging portfolio. They also offer a range of options catering todifferentrisk management profiles and investment plans. Italso offersprofessional management, liquidity, and a great chance for higher returns over the long-term goals.
Unit-Linked Insurance Plans ULIPs combine insurance coverage and investment options, allowing policyholders to invest in various fund options basis on the risk appetite and financial goals. Unit-linked Insurance Plans also offer flexibility, and potential for wealth creation, making it a great choice for long-term financial planning.
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Treatment
“Take this pill,” They say.
Take this pill and it should work
In a month,
Three months,
Six.
Take this pill,
And it will make you tired.
They all make you tired,
Because they act on the brain,
You see.
Take this pill,
“We’re sorry the others didn’t work.”
We will smile
Sympathetically.
We do care.
Take this
Pill.
It will make you dizzy.
Take this
Injection.
Since it is treatment resistant
Now.
It will hurt,
It will make you itch.
You can still keep taking the old ones,
In case they end up working
Too.
Take this pill,
It should work in one month,
Three months,
Six.
No, we don’t know
Why this is happening.
We don’t know
How to fix it.
Your blood screening was
Normal.
Your CT scan was
Normal.
Take this pill.
-Lane Aconite,
March 5th, 2023
#poetry#my work#lane archives#chronic pain#chronic migraines#chronic illness#this poem is still pretty ouch#the us medical system can really suck in its cyclical lack of progress regarding finding out what's “wrong” with a person#due to crazy long wait times for appointments & processing referrals as well as 4 profit health insurance#my chronic migraines had to escalate into epilepsy for me to be seen by an actual neurologist and be taken seriously & even now I still fee#neglected by the system#not because my drs are bad but because they're overloaded with patients#it's really exhausting & difficult to have to fight at every turn to receive the care we need & deserve when we're bent over in pain#in my experience this repetitive cycle really broke down my ability to advocate for myself for a while because I was just too depressed#but hey if you're reading this and you relate: I love you. You deserve to feel better and to be supported by your physicians#I'm getting better care now but healing isn't linear#and if you have insurance & you're feeling absolutely fucking crushed by the system pls look up if they have a nurse advice line & call the#to see if they're able to set up a complex care coordination plan & if the nurses themselves can set up appointments for you#it really helps to have an insurance lady or 3 you can call to set up appts & referrals or check on them to see where they're stuck#I could write a poem dedicated to all the wonderful women in social services who are literally saving my life every time they call
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the difference between the triumph in 'i found you!' and the shame in 'you've found me.' is proof enough!!!
#distext#i feel strongly enough abt this one to tag it#the silt verses#youve found me and the god i unwittingly fed-- it was never yours but it was mine and you stayed because you found me.#blah blah the narrative twists to incorporate the listener's hopes and desires for a happy ending blah blah#but the god is not capable of denying the rapture in the journey. it is in fact all it has to offer.#sebastian being unhappy *now* doesn't mean that the god is unfed. of course not. the journey is eternal.#but the lingering doubt would not have been centered upon his lifelong traveling companion. because that *spoils it!*#there is no journey in staying here. staying here is an ending. and the other narrative can't bloom with such a shadow hanging over it.#hope exists. of course it does. it must. but it isn't like. saccharine and revisionist.#not the decision to stay in the place of potential and never see and ending through.#dev calls him sebastian. whether it's an attention check (are you listening?) or a slipup back to formality it is a fuckup.#in much the same socially inept way that 'let's stay here' was such a desirable idea for your lover this morning you dont even consider NOW#elephant. elephant is what i meant.#anyway. meta fodder for the listener (i dont have the commentary but ive seen the phrase 'coin-flip') vs. watsonian social interactions.#........ frankly i dont think that sebastian gave enough of a fuck to pick a winner between hayward and carpenter either but that is just m#i think there's probably something smart to say about how moving forward this season involves nothing but uncertainty#where even following the cairn maiden to an assured ending leaves the pulsing question of when#but man im just upset. gay sex saved the day solved the mystery and now we're going back to get shotgun married to dodge the draft#if you dont have your own insurance plan your spouse's is fine.#sorry. what was i talking about?#right. there isn't a joy in this. there is no definite moment where the hurt- this trauma. the fog.- would pass and settle into comfort.#and among all of the promises and threats. it would only hurt for a moment.#nope! congrats. scarred for life you have to keep on living and difficult conversations you have to keep on having and continued awkwardnes#can't catch me suicide metaphor i'm gay as fuck. anyways#podcast tag#tsv spoilers
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i hate health insurance
#my job is getting rid of the plan i have so im gonna try medicaid again#only thing is i have no idea whats covered bc my pharmacy refuses to tell me#and my doctors cant tell me anything#SO just gonna fuck it we ball for now. walmart covers my stuff so maybe i just transfer everything to them...#but idk the details with insurance.....#and now im getting spam calls bc the nys dot fucking gov website sent me to some bullshit#-_-#whatever. either way im saving 260/month cause im either getting medicaid or not having insurance lol
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prescription drug prices in these united states are so bizarre. each single dose of my migraine meds is over $100. like it’s 5 mg. that much gold would cost 31 cents.
#‘your insurance saved you $692 dollars on your medication (singular) this month!’#i mean that’s great and well worth the six months of suffering i spent on five meds that didn’t work to get through your fail first plan#but like you are actually like half of the problem here#i’m fuckin stockpiling this before insurance changes their formulary again i will take expired ones for 10 years i don’t even care
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Also, I've gotta get my budget under control. I have a lot of new expenses coming up, and I've gotta start saving money again. UGHGGHH so that's another goal of mine for the rest of the year.
#personal#Rent is going up and I need to get new car insurance and I gotta start paying my parents for my cell phone bill (we're on a family plan)#And I need two crowns on my teeth#and I've gotta start saving for a new car
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love how my shitty health insurance chose THE perfect time to expire. just really impeccable timing
#pentababbles#it expired on november 1st out of nowhere#i was on my dad's health plan but he got a job with a separate health plan and forgot to renew his other insurance#i was supposed to be able to stay covered under united healthcare until 2026.#sure that would've only given me two more years but at least then i'd have time to plan what to do next#what's especially annoying is how much trouble i had with my insurance previously when i tried switching my pcp#and this happens to be THE time of year when i typically get sick#just this september i was hospitalized for a severe asthma attack/respiratory infection combo#which could've been prevented if i could've gotten my asthma medicine from my allergist sooner#but ofc i had to go thru a ridiculous snafu dealing with doctors and insurance just to get a damn referral#and literally on the day my insurance ran out i caught a cold.#i'm running low on my antidepressants and my asthma medicine already.#i have a little money in my savings for emergency so if worse comes to worse i can at least get my medicines refilled#but. i can't go back to the doctor for more tests bc it'll cost too much.#i only have a part time job as an assistant teacher. i only get paid hourly and it's not that much#even if i did get a salaried position at this job the insurance benefits aren't that great and the pay is much better#plus since i work with kids they're very germy so i'm always at risk of getting sick and having to go to the doctor#i don't want my insurance to be tied to my job but i need to get a better job anyways. so i can start digging myself out of this hole#i need to get my vaccines updated stockpile lifesaving medications and get a new job with insurance before jan 20#bc i need to survive. i need to outlive the empire no matter what#and i need to be there for my friends
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with my new insurance, it's official: buying my narcolepsy meds from india on the gray market with bitcoin would be cheaper than getting them from the pharmacy with insurance. woooo america love u private healthcare yeaahhhh babey USA USA USA
#the little pharmacy tag says “your insurance saved you $1799.00 for this one month supply!” no the fuck it didn't#someone somewhere made up fake dollars in monopoly money. that never existed. those just aren't real#i am paying a few extra dollars per month to Not do bitcoin purchases as my A plan and i guess to pay towards my deductible#I'm good for the money I'm not struggling to cough it up or anything I'm just. hgrgehjasbbdbakkanskalamfnanakdkdla.#first time getting Extremely Necessary for Functioning meds on the new insurance and I'm grumbling#i know how much they cost!!! it's not that!! and i know that bc insurance is always delaying things and i have to get it from overseas#like last year when they had over 180 days' accumulated delay in filling things and I ran through my entire stockpile and then some#how do you fuck up HALF THE YEAR in pieces like that???#grumbling#don't know how to redirect this into a useful emotion
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got bad financial news and I'm going through the seven stages of grief about it
#cipher talk#My job didn't work me this past summer regularly so I made half the income I should#So I'm trying to save up money in case that happens again#They didn't plan that; they had a summer position lined up for me but we lost three contracts#Anyway I'm trying to save up something. Just in case#But my step fathers car insurance isn't getting renewed come November and he's implied he won't add me to the new one#And I just got a new one at a frankly murderous rate (270$ a month)#Went to visit him and asked him about proff I was on it and I was never added at all. Just my car#So I have to tell my insurance that and they'll definitely raise my rate#And if it's over 330 a month I'm just gonna have. To cancel it and ask if they'll refund my deposit#Previously I was paying him 150 for it every month so long as I had work (so not over the summer)#So I've gone through 'maybe I should get married' to 'maybe I should just die'#I'll be barely scraping by.#Like. As it is with the 270 ill have 130 left over every month IF my job works me during fall and winter break#And I want to back on hrt. But it'll cost me.#And I need new tires. And other car repairs#And I would like to have spending money.#And if it raises to 330 I'll have 70 left over. Every fucking month#Unless I stop saving for summer. In which case I have 270 left over.
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falls down
#mine#today was day 2 of job and it seems like a really good deal...the benefits are CRAZY#depending on the healthcare plan i pick i could literally pay $0 a month as my premium#great day to be single with no kids <3#and the PTO is great and they have short term disability insurance which seems like a great option for when i get hysto#other benefits are all awesome and i know theres upward mobility which is really big for me#theres a part of me thats like...well...what if i did this job for a while...got my hysto next year...#saved up...got promoted...#then at some point move out...i was eyeing REDACTED CITY IN MY STATE#as a place to live especially post promotion (assuming i would get one) when i have more $$...#just a good way to sort of start my real adult life and all#but then i have an interview next week with a umm. i think it was a community college#over in another part of the state and then i got an email from a DIFFERENT cc#idk if we can interview because of schedule stuff we'll see. but that job pays GREAT money especially for my age#so im like ummm!!! hello...but i'm also not sure about the location...#i would definitely interview at least once just to get a feel for it#but im like arrrghhhh so much uncertainty...#raaaaggghhh#i've spent all summer saying i just want to skip ahead to the part where i have the job im sticking with#and everything is settled and nice#and it seems we're getting closer to that point but as we get closer i get more and more nervous#URRGH
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Designing a virtual pet application which promotes household recycling actions for Gen A (children between the age of 7-11) and drawing up the illustrations for it. It's so cutesy and well-oiled, I am impressed with myself
I'm adding mini quizes, daily missions (home tasks, such as collecting all the PET bottles and handing them in). There's even gamification elements (think of Duolingo's earning points, streaks, competing and connecting with friends, etc), and a planet earth to keep as your pet and will blossom with the more points you earn 🌍🌸
Actually a freak project gone serious!
#Didn't plan on adding a new project but this one will up the overall quality so much (+ I hadn't created for kids yet as the target users!)#Might feel groovy later and intermediately post some fun visual updates on here this or next week#I'm thinking of narrowing down the research sections on 2 other projects so this one + the travel insurance app become highlighted cases#Less is more. Plus it'll save so much time and frustration#Which means I can land a job + get my hands on actual briefings and real projects much sooner 🙏#personal#UX
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#I’ve been so fucking frustrated these past few weeks between insurance not covering my meds and having to jump through hoops to get my#injections and shit#but god ive been having crazy joint issues the past two weeks#yesterday I literally couldn’t get out of bed#I can’t sleep doing laundry is exhausting#I’m taking the max amount of ibuprofen my doctor prescribed and it’s not doing anything#it just hurts all the time#the weather is finally nice and I can’t do anything but lay in bed with the lights off#I had an event I had been planning for for MONTHS for pride#and at one point I had to stop and lock myself in my friends car for a half hour#just to cry because my hips and knees hurt so badly#I couldn’t even enjoy the after party because I just wanted to get home and lay down#I’m so frustrated not being able to do anything#I just want to get some relief from this shit and my meds can take up to 12 weeks to work#they were prescribed eight weeks ago but insurance denied them#because apparently they always deny immune suppressants the first time around and then approve of them to save money#I wouldn’t be in pain right now If my insurance just approved my meds in May#I can’t fucking adjust to this I was a competitive dancer I’m twenty two I don’t understand any of this#the last time I was at the rheumatologists after getting my injections I held the door for an older woman who also had arthritis#and I was all shaken up over my appointment and she was so nice but was in a lot of pain and when I said#‘I understand I’m sorry’ she just looked at me so genuinely sad and said ‘but you are so young?’ YEAH I am too young for this#I’m just so tired and so angry all the time and I’m sick of everything hurting when I’m trying to sleep#my best friend is traveling at
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why is having a social life so expensiveeee
#my biggest expenses apart from rent and health care because germany has an insurance provider system and not a tax-based state system#(i feel bamboozled' how is this 'free' healthcare)#so anyway my biggest expenses apart from those are food and going out#but i can save a lot of money on food if i plan and budget really well#it's not a nice way to live but it's doabel#doable#but a social life however
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another day another why must my mom make everything as difficult as possible
#girl i did not want you to be attached to my health insurance at all but unfortunately you made a decision w/o my knowledge that#meant i could only be claimed as your dependent! i do not want you do be involved! it was not in my plans to have to include you!#so stop getting mad over having to be involved already dawg i have medications i need to take and i cannot even Ponder top surgery (life#saving care btw) until i get it back. and even then its a year-2 yrs at least process. so. you canguess i may be eager to get it back#the whole reason i lost it in the first place was because my mom purposefully took me off after i moved out#(she lied and said she didnt but she did)#but instead its “ooohhhh why do you hate me so much ooohhh youre so selfish and lazy ohhhhh dont u care about my problems”#like girl do not act like i wasnt giving you ultimatums for like 2 years before i moved out u know why i dont want to be aorund u#the only positive is reading that text message at 8am kept me awake so i didnt overlseep today#which is a win. i would love to stop oversleeping. but i am so stressed
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my mum out of nowhere threatened to check my bank account bc 'girls your age are saving money for their wedding' 😃 let's be so serious right now
#ameera speaks#for a year i only made £200 a month and had spent all of my money when my brother tricked me into paying his car insurance (told me it was#a one time purchase and then had me pay it solo without telling me) £120 on driving lessons. my lunch at work. and then like the actual#stuff i wanted and NOW im making a substantial amount of money and ive rebuilt my savings account and shes mad#like i dont wanna show off or anything u guys but im not like broke (right now) like i kust got paid and no moneys been takej out of my#account yet AND i told her the other day that im planning on finally bidgetig my monthly expenses so i can save more money#but every thing i do with good intentions she twists and deforms#ALSO it must be known u guys. im no where near getting married#no one wants me
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Beginning to really wonder how much of my financial concern is manufactured and handed to me as opposed to something I'm genuinely concerned by
#bc like. i'm getting by just fine. i don't have anything to be reasonably worried about#but also when i was a kid my father would break down my mother's paycheck and basically explain how broke we were#and that May Have Affected Me Somewhat#as well as just. the way you consistently see the advice to just save! don't get takeout! necessities! and i'm not intent on living like#a monk nor am i intent on being on that grindset for financial gain#it's like i don't intrinsically care but i have so many messages given to me about how i need to care a lot and it puts me in a weird spot#i am simultaneously standing still and moving at mach speeds#i mean right now i just need a safety net while in between jobs; after that i need to save up to move out of state bc the uh#political situation and upcoming presidential election don't seem very sustainable for someone like me anymore#they weren't to begin with but i don't wanna stick around to see how bad it's gonna get#but it's like. okay and then what? save for what? going back to school i guess? idk#i feel like i keep asking myself what i'm trying to accomplish and keep trying to force myself to have answers#here and now when i have to be okay with taking things one step at a time instead of having everything here and now#it's simultaneously fine and terrible and i am holding two conflicting yet equal truths#i feel i may have a clearer head once i leave my current job. i'm trying to look but nothing feels appealing given how#burnt out i already feel. i dread going back into my workplace and i fear it's showing to the patients and i don't want that#i want a month off to rediscover who i am as a person outside of getting yelled at in retail and then pick something back up#could be feasible. genuinely could be. i need to sort out the health insurance aspect but. that's lowkey the plan?#to construct a financial safety net and then slam on the breaks for a while; see if i can strike up a deal with the staff about me#coming in for specific tasks bc we already know i'm quick and efficient with the inventory so i do have a little leverage#you know what. this is getting some of it off my chest and i'm starting to feel confident again lmao#i won't be doing weekends starting either next week or the week after so that's a start! i just think i want everything done right now#bc i'm afraid i won't have the chance again but i will. i definitely will#i just need to let myself get to that point; it's just the immense drain from the register work and the Everything that comes with retail#also having to accept that it's okay to leave this; there's not something wrong with me like. ''not being able to handle it'' or w/e#no mindfulness or detachment could've saved me; it was shit and i'm hitting the bricks and that's all there is to it#i've been thinking a lot about it all lately bc it's what's most prominent in my life rn of course#idk. pondering. introspecting. as i am wont to do#anyways if you've read all this you're a real mvp and i am kissing you on the hand#shai speaks
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