Five small changes can secure your family’s future

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 By Somali K Chakrabarti

Festive times are full of fun and frolic. These are the times when we cherish togetherness with our family, the most, and if we happen to be away from our family, we miss them the most. Just like festive celebrations, life too is incomplete without our family. From time to time, we realize that we must do everything in our capacity to secure our family’s future. Yet, we often tend to procrastinate in buying the insurance.

If we start early, with a saving as little as Rs 535 / month (18/ day), we can secure our family’s future with an Rs 1 crore life insurance cover.

Further, small lifestyle changes can help us to easily save to secure the future of our loved ones.

If you want to find out more, please read the post FIVE THINGS YOU CAN GIVE UP TO SECURE YOUR FAMILY’S FUTURE on Life11.

 

Image credit#Yehbhionline

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Five things you can give up to secure your family’s future

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Five things you can give up to secure your family’s future


family

Festive times are the times when we cherish togetherness with our family, the most. If we happen to be away from our family during these times, we miss them the most. Just like festive celebrations, life too is incomplete without our family.

From time to time, we realize that we must do everything in our capacity to keep our family happy and to secure their future. We plan for our children’s education, their career, we plan for our vacations, yet sometimes, we miss out on planning for a constant source of income for our immediate family in our absence. We know that we need to be prepared for such an eventuality, but we often tend to underplay its importance till something drastic happens that shakes us up.

Then, we go for life insurance!

The reasons to procrastinate are many – sometimes, we are not sure which insurance plan would suit us the best, at others we are not sure if we can afford to pay the premium for the policy or how much money do we need to set aside each month for it. But, believe me, it is not at all difficult.

You can buy insurance online.

Using the online insurance calculator, you can calculate the insurance premium for your chosen plan. When you click to insure, an E-Agent can assist you in the process, or you can even arrange for a call back.

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The question that pops up next is that with ever increasing expenses, how you would manage to pay the premium. That, too should not be difficult provided you are willing to make small changes to your lifestyle. Here are a few such things you can cut down on to save Rs 30 – 50 per day.  

  1. Reducing your coffee at cafe – A cup of coffee at a café costs more than Rs 100. You may consider going for a walk in a park with your friends instead of catching up with your friends at a café over cups of coffee.
  2. Using public transport or a car pool – If you drive alone to office, you may instead consider opting for a car pool or for a bus or train, on some of the days. Not only will you save up a whole lot of expenditure on petrol but you’ll also have company while travelling to work.
  3. Going for morning movie shows – When you go to a theatre to watch movies, the ticket costs are comparatively much cheaper if you go for morning shows. Watching movies online is yet another option.
  4. Avoiding promotional offers – Nowadays we are flooded daily with directed promotional offers and discounts. These offers, almost like fast food, are at times very enticing and tempt people to buy things that they do not really need. A good way to avoid such impulsive purchase is not to open all emails with promotional offers that come your way.
  5. Saving electricity costs – The age old wisdom of switching off lights, turning off electronic devices that aren’t in use, using energy saving light bulbs and unplugging chargers for laptop and mobile phone help to reduce the wastage of power, and considerably reduce the electricity bill too.  

 

If you start early, with a saving as little as Rs 535 / month (18/ day), you can secure your family’s future with an Rs 1 crore life insurance cover.  

Sounds too good to be true? Well, then check out for yourself on HDFC Life website.

Insurance is crucial – buy it online, conveniently with HDFC Life #YehBhiOnline

Omkar Meridia – Residential apartments near BKC, Mumbai

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Omkar Meridia – Residential apartments near BKC, Mumbai

In the city of Mumbai, living close to the workplace is a dream cherished by many, particularly by those who spend a considerable portion of their time commuting to work. It is not uncommon for people to spend 2 – 3 hours each day traveling between work and home, with the travel time increasing substantially during the rainy season. However, due to the mercurial rise in property prices in Mumbai each year, affordability of residential property near the workplace always remains an issue. In such a scenario, if people can  ‘Walk to work‘, they will not only cut down the long commute and evade agonizing traffic jams, but also gain sufficient time to pursue their interests.

Last week, I had received an invite from Omkar Realtors and Developers to attend an event that included a presentation by the Chief Marketing Officer on Omkar Meridia, a property at BKC Crossing. The event conducted at the property site itself, also included a visit to the sample flat. I registered for the event and reached the venue on the given hour.   

The discussion with the CMO centered not only around the property but also around Bandra Kurla Complex (BKC), which is an important business hub in the Mumbai suburbs, and the office destination for lakhs of people.  Though there are many commercial establishments and government offices in BKC, at present, there are not enough modern residential developments in and around that area. As a result, majority people who work in BKC do not reside in and around the location, and some have to commute for long hours.

Here I enlist the key points about the property. 

 

Walk to work is the mantra behind the project

Omkar Meridia located at BKC crossing is at an arm’s length from the city’s main business district. It could be an option worth considering for those who work at BKC, and commute from distant suburbs. Proximity to workplace would drastically cut down their commuting time, and thus leave them with sufficient quality time for themselves and their family.

 

 

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Social Infrastructure

There are some good schools such as Arya Vidya Mandir, Orchid International School , Mt Litera International School in the vicinity of Omkar Meridia. Health facilities such as Asian Heart Institute, Gurunanak Hospital, Lilavati Hospital and Research Centre are in a 3 km vicinity. Phoenix Market City, is one of the largest shopping malls in Mumbai, too, is close by.

 

Accessibility

The property offers locational advantages such as proximity to the Bandra station, domestic airport, proposed metro station, both Eastern and Western Express Highways, and easy access to Santacruz Chembur Link Road. A proposed 13.4 metres DP Road parallel to the apartment is expected to vastly improve the accessibility, in addition to the upcoming Charkop-Bandra-Mankhurd Metro line. 

 

Design and Amenities

The cozy and compact flats with modern finish are suitable for small families. The size ranges from 695 sq. ft to 1260 sq. ft. (1/2 BHK).

The sample flat we saw was a 3 BHK. Interior specifications of the flat included AC’s in living room and bedroom, modular kitchen cabinets with counter, imported marble flooring in the living room and passage, laminated wooden flooring in the bedrooms, sanitary fixtures and ceramic tiles in bathrooms.  Other common amenities include a fully equipped health centre, swimming pool, rooftop jogging track and a play area for children.

 

Attractive Price Point 

While the real estate inside BKC is skyrocketing, being located in a pocket at a stone’s throw from BKC, Meridia is priced attractively, with 1 to meet the rising demand from office going buyers working in and around BKC. There are 1BHK units of 695 sq ft available at Rs. Rs 1.19 crore (plus taxes), 1.5 BHK and 2BHK flats of 900 sq ft area priced at Rs 1.46 crore (plus taxes),  and Rs 1.65 crore  (plus taxes) respectively, and a grand 2BHK of 1260 sqft at Rs 1.96 crore (plus taxes). 

The moderate size of the property (under 200 apartments) also contributes to the attractive price point.

 

Early Possession and loan Options

Omkar Meridia offers an early possession in mid-2017. The property has a clear title. Financing options are also available from leading banks and financial institutions that offer home loans.

omkaar-meridia

Investment Opportunity

The CMO mentioned that BKC has seen a very high appreciation in the Capital values during the past two years, and the capital and rental values are slated to grow sharply in future as well.

According to recent reports, MMRDA plans to develop BKC as a “smart city” in order to strengthen its brand value. Besides, the State government is considering extending the BKC Eastern Boundary to accommodate the International Financial Services. The real estate projects in the vicinity would benefit substantially from these developments.  The location is expected to appreciate by 100 % or more in the 2-3 year window says JLL India Report, Jan 2015. 

For the executive class, having disposable income in hand, the property could also be considered as a great investment opportunity.

 

For more details, please visit the website of Omkar Meridia (www.omkar.com)

 

This is a sponsored post, written is association with Blogmint and Omkar Meridia

Image source : Omkar Meridia

If you believe that any image used on this site infringes your copyright, please inform and it will be removed.

Hey! Say what you want to. Please Like, Share and/or drop in a Comment below!   🙂 

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Celebrating Friendships with Yaaron Ki Baraat

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Celebrating Friendships with Yaaron Ki Baraat

 By Somali K Chakrabarti

The story goes back to the late seventies and eighties when gizmos and gadgets were not yet a part and parcel of our lives. That was the time when landline phones were a rarity, mobiles and laptops were unheard of, we would wait for a whole week to watch a movie on the Black and White TV, and  we met people only in person, not virtually. Friendship meant strolling around, playing on the ground, flying kites on the terrace, exchanging books and chatting with friends on topics that would never end.

Every summer, I went to Lucknow with my grandma, to visit my uncles and aunts and spend my vacations with my cousins. I don’t remember how it started, but it had become a yearly routine for a couple of years. I always looked forward to those annual trips for a number of reasons which included living for two months with a bunch of cousins, reading a whole lot of story books, gorging on ice creams, savouring papdi chaat, batasa (paanipuri/ golgappe), watching movies, gushing over our favourite stars, and sometimes even squabbling over them.

Many anecdotes of those days are still vivid in my memory and bring a smile every time I recall them.

kids-playing-summer-clipart-free-clipart-images1Image credit: https://clipartion.com

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Catwalk- A Haiku

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Catwalk- A Haiku

By Somali K Chakrabarti

catwalk

impeccable grace

perfected over nine lives

nimbly the cat walks!

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© Somali K Chakrabarti

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