CLASSIC PLAN IN RELIANCE LIFE INSURANCE

Reliance Life Insurance Classic Plan :
Reliance life insurance company introduced one of the new policy that is Reliance Life Insurance’s Classic Plan. In this plan get the dual benefit of protection and returns. Under this plan the investment risk in the investment portfolio is borne by the policy holders.

Policy Introduction :
This plan works well for people in every stage of your life, from young investors to retrees. This plan also help you plan your finances wisely, cover the risk arising due to loss of life and assumes all the flexibilities required in a financial product.

Classic Plan works :
As a customer you have the liberty to choose between eight fund options. The premium contributions you make, net of premium allocation charges are invested in funds of your choice. The units are allocated depending on the price of units for the funds. The fund value is the total value of units that you hold across all the unit linked funds.

The minimum policy term is 15 years, minimum entry age upto 60 years, 10 years for entry age above 60 years. The maximum policy term is 30 years, under this plan.

The minimum annualized premium is Rs.20,000 under regular premium payment option and Rs.50,000 under single premium. Depending on the entry age, the limits are as follows :
Regular Premium : 7 to 30 times of annualized premium.
Single Premium : 1.1 to 4 times of Single premium.
Top-Up : 110% to 125% of the top up premium, subject to age at the time of payment of top up.

An individual of 7 years to 65 years of age can be insured under this plan.

Death benefits under this plan as per the policy terms and conditions. On survival up to maturity, total fund value is payable.
Policy 1st year 7% allocation charge as a percentage of premium amount. Policy 2st to 4th year 6% allocation charge as a percentage of premium amount. Policy 5th to 10th year 5.50% allocation charge as a percentage of premium amount. Single premium and top up is 2%.

Fund Management charges range from 1.25% to 1.35% per annuam. Policy administration charges, Mortality charges and service tax charges as per the policy terms and conditions.

Benefits available under this plan :
Flexibility to top up to increase investment component, sum assured by 125% of top up premium in the age at payment.
52 free switches available under the plan during any policy year.
Partial withdrawal and surrender allowed after completing five years from the date of commencement of policy.
Free of cost premium redirection to build your investment strategy with future premium into fund options based on your risk capacity.
Systematic Transfer plan with varied equity fund options to take advantage of rupee cost averaging and playing safe with your investment.
Settlement option if your plan maturity proceeds with maturity proceeds in periodic installments within a maximum of 5 years from the date of maturity.
Exchange Option policy holder to transfer policy benefits. Either fully or partially to another plan wherein exchange option is available.
Loan option under this policy plan you will get it loan also after completion of two policy anniversaries provided the policy is inforce.
Optional rider benefits Reliance term life insurance benefit rider, reliance new major surgical benefit rider and reliance new critical conditions 25 riders.

The risk commences immediately after the issuance of the policy.

Investment Option :
Get the power of eight fund options to plan your investment and balance your risk appetite;
New equity fund, new pure equity fund, new infrastructure fund, new energy fund, new mid-cap fund, new corporate bond fund, new money market fund and new gilt fund.

Tax Benefits :
Tax benefits under this plan under section 80C, 80D and 10 10(D) of the Income Tax Act, 1961, subject to conditions.

If you want to purchase this policy please contact your nearest Reliance Life Insurance Company Limited branch or visit on to www.reliancelife.com or mail to rlife.coustomerservice@relianceada.com.

DANGER FROM MOBILE USING

Mobile users
The speculative fears of mobile phones being a danger to health in the long run, seem to be coming true. A latest government study talks about the harmful effects of not just using mobile phones but also the radiation from mobile phone towers.

In our India each and every one person have a mobiles and using the mobiles. The mobile radiations from mobile phones and towers poses serious health risks, including loss or decrease of memory power, lack of concentration, disturbance in the digestive system and sleeping disturbances, according to an inter ministerial committee formed by the ministry of communications and information technology to study the hazards posed by mobile phones.

One India also reported that the damages may not be lethal for humans, but they worse for birds and insects as well. The committee has attributed the radiation effects to the disappearance of butterflies, bees, insects and sparrows.

The government report also says that mobile towers should not be installed near high density residential areas, schools, playgrounds and hospitals. "Over a six minute period using a mobile and using a 10 gram average mass. With higher SAR values of mobile handsets the public could potentially receive much higher radio frequency exposure. We have recommended that SAR levels to be lowered down to 1.6 watt/kg, as prescribed by the Federal Communication Commission of US".

The eight member committee, which included representatives from the health ministry, department of bio-technology and member secretary, DoT, has recommended that mobile phones not adhering to standard levels of specific absorption rate a measure of the amount of radio frequency energy absorbed by the body while using a phone should be barred.

Indian cell phone users are more at risk for adverse affect of radiation due the country's hot tropical climate, low body mass index, and low fat content. "We have recommended amendment in the Indian Telegraph Act 1885 and rules so that only mobile handsets satisfying radiation standards should be permitted in the country".

In another report, citizens are scared of the radiation from mobile tower in Andheri.
In the past five years, more than 15 housewives living in Sher-e-Punjab colony in Andheri (East) have suffered from various forms of cancer. Although there is no proof of a direct link, residents are drawing parallels between the appearance of the first cancer case and the installation of the first mobile phone tower in the society nearly seven years ago.

Who has been studying the biological effects of mobile phone towers, All these women don’t have any family history of cancer. Plus, all of them are within a certain radius of those mobile towers. All this is not a coincidence. So how do we minimise the damage in view of such grave consequences. While talking on mobile, keep calls short or send a text message (SMS). This advice should be especially relevant keeping in mind the children, adolescents and pregnant women. The advice should be printed in the user manual by handset manufacturers.

Whenever possible, use cell phone when the signal quality is good. People having active medical implants should keep their cell phone at least 30 cm away from the implant.

Many a times we find ourselves complaining of bad network in certain areas. Mobile companies raise towers at every nook and corner to beat each other at network coverage. Are we compromising our health for better mobile connections?

I always suggest people to use Land Line Phones rather than Mobile Phones because of the huge health risks. Though, presently, only BSNL is providing real Land Line (WLL system Land line is actually nothing but Mobile Telephones and same radiations like Mobiles). Using Land Line has many advantages when you are not in moving.

1) Voice Quality is far better than any Mobile phones in India and even abroad too.
2) It is costlier but there is very rare chance to disrupt while talking as it does not depend on any Signals. While, major power stations, Electrical installations create Magnetic flux and thus create attunuation loss, mobile phones can disrupt at any time even with out any fault of the operators. People use Land Line while discussing important issues with others.
3) Radiation creates health risk. It is already published in The Times of India, that many private operators use higher signal strength than allowed in order to satisfy common public. Though using such higher strength signals increases little bit higher clarity, it affects immensely brain, nerve system and even other parts like Kidneys or Testis.
4) Keeping land Line has become now Status Symbol now as mobile phones are not only cheep, but one can observe it even with Rickshaw puller's hand. So, the lesson is, Use mobile as minimum as possible and try to use Land Line as much as possible to keep you healthy.

It is for those people who are still not agree about the fact that radiation is dangerous for the population living near by just think for one second a life with cancer you can not imagine the pain and suffering of the person with cancer ask yourself is it ok to risk your life just for a so called facility to communicate take action before its too late because once you get the disease you can't do anything except sufferings and a lot of sufferings as I have closely watched the people having cancer. Still if you feel its all rubbish then go ahead talk a lot on cell phone and install a tower on your head.

Warning bell for user and future generation, mobile has become every ones part of daily life now how to avoid the damages from this hazardous radiation is part of governing agencies and mobile companies to take care of this problem, my kind request to the mobile user, please use SMS service as much as you can.

MAKEUP DETAILS

Urban Decay Eyeshadow Primer Potion
Urban Decay Mascara
Urban Decay Greedy Lip Envy Lip Stain
Urban Decay Naked XXX Shine Lip Gloss
Urban Decay Twice Baked Eyeshadow
Urban Decay Chopper Eyeshadow
Urban Decay Grifter Eyeshadow
Urban Decay Smog Eyeshadow
Urban Decay Zero 24/7 Glide-On Eye Pencil.

On the eyes:
Clinique touch tint for eyes.
MAC ginger soft.
MAC brun eyeshadow.
Pout blue eyeshadow.
Liner Pinceau liquid eyeliner.
Lancome L'extreme mascara.
Clinique full potential lip plump and shine in voluptous violet (for lips).

On the face:
Clinique City Block.
Isa Knox Powder.
Lancome Blush Subtil in Sheer Peach Organza.

Basic name is loral star secrets kit contain one lipstick 3 eyeshadows and one blusher.
The palettes available in India are Kerry Washington, Eva Longoria and Penelope Cruz with their signature looks described on the palette. The master creator behind all this is L'Oreal's world famous makeup artist James Kalliardos. They have even given hints and ideas for DIY looks.

Generally tips good one
1. Apply Matte Cashmere Foundation with the fingertips blending from the t-zone to the hairline.
2. Dust on Blush Delicieux in 05 Candy Cane Pink from the tops of your cheek bones, but don’t go beyond the apples of your cheeks.
3. Blend the darkest shade of Color Appeal Trio Eye Shadows in 319. The upper and lower lash lines using the tip of the applicator. Next take the medium shade and blend across the outer eye corner and along the lid. Finally sweep the palest shade across the eye lid and right up to the brow bone.
4. Apply Contour Khol Eyeliner in 135 Iced Chestnut in small strokes on the upper and lower lash line, extending out slightly at the outer eye corners.
5. Apply the white coat of Volume Shocking Mascara first, working the brush right through the roots of your lashes to build maximum volume, then apply step 2, smoothing the comb right through to the tips of your lashes.
6. Use a concealer like a lip liner. Blend the line inwards, then apply Color Riche Star Secrets in 708 smooth it out. The color will look fresh and elegant.
7. For added lip color staying power: a trace of lip liner stops color escaping. He recommends Contour Parfait Lip Liner in 656 Honey.
8. For subtle yet classy nails, use the French Manicure Kit.

SKIN CARE FACE PACK
These packs are very popular in India. How to make gramflour face pack
1 spoon gram flour.
1 pinch turmeric.
add yoghurt or milk or water to make paste.
apply for 15 minutes and then wash off.

another face pack recipe :-
1 spoon sandalwood powder.
1/2 spoon fullers earth.
1 pinch turmeric powder.
add milk or water to make paste.
apply for 15 minutes and then wash off.

Simlpe look
This is a very simple and gorgeous look. It accentuates the eyes very well, and is great for going to work, where your features should stand out, not your make-up.

FACE :-
MAC Prep + Prime Face
MAC Select Cover-Up
MAC Studio Fix Fluid
MAC Pressed Powder
MAC Blush in Harmony (lightly swept over cheekbones)
MAC Fix +

EYES
MAC Prep + Prime Eye
Clinique’s Colour Surge Eye Shadow in Lucky Penny
Estee Lauder’s Pure Color Eyeliner in Pure Black
MAC Prep + Prime Lash
MAC Mascara X
Mac eye pencil
Maybelline mascara

LIPS
MAC Prep + Prime Lip
MAC Lipliner in Stone
No. 7 Sheer Temptation Lipstick in Attract

IMPORTANT
Indian Bridal Glow Mask 1 cup of chickpea flour 3 tablespoons of tumeric (powdered form) Almond Oil (enough to form paste)

Step 1
Mix ingredients into a paste.
Apply to the face and body, and let set for a few minutes.

Step 2
Remove by rubbing off mixture with your hands.
This motion will add to the exfoliation process and also help with the removal of fine facial hair, better known as pesky peach fuzz.

Step 3
Wash off the rest of the mixture and enjoy fabulous, baby soft skin!

CURRENT ACCOUNT IN KARNATAKA BANK LTD.

Karnataka Bank Ltd. Current Accounts :
One of the Karnataka State’s or Kannadiga’s bank that is Karnataka Bank Limited, Karnataka Bank Limited bank branches have each and every district in our Karnataka state. In Karnataka Bank Limited bank facilitate the current account in bank. Current account is help to improve your business and your business styles. Here Karnataka bank have 6 types of current account facilities. If you are opened your account in Karnataka bank it is suit your business needs and styles.

These are the six types of current accounts :-
Current Account General in Rural or Semi Urban Branches :
Minimum monthly average balance is Rs.3,000/-. You have to maintain the minimum balance as per the bank conditions.

Current Account General in Urban or Metro :
In this account scheme minimum monthly average balance is Rs.5,000/-. You have to maintain the minimum balance as per the bank conditions.

Current Account Money Pearl :
In this current account scheme minimum monthly average balance is Rs.50,000/-. You have to maintain the minimum balance as per the bank conditions.

Current Account Money Ruby :
In this current account scheme minimum monthly average balance is Rs.1,00,000/-. You have to maintain the minimum balance as per the bank conditions.

Current Account Money Diamond :
In this current account scheme minimum you have to maintain the minimum balance or as per the bank conditions monthly average balance is Rs.3,00,000/-.

Current Account Money Platinum :
In this current account scheme minimum monthly average balance is Rs.15,00,000/-. You have to maintain the minimum balance as per the bank conditions and another one is important condition is you have to maintain the Daily minimum balance is Rs.5,00,000/-.

Features in current account opening in Karnataka bank limited :
You will cash deposit at any branch’s in Karnataka state. Because Karnataka bank limited have completely online banking system.
As per cash deposit you will cash withdrawal at any branch’s in Karnataka state. Because Karnataka bank limited have completely online banking system.
Karnataka bank limited will facilitate you Multi City Cheques facilities also.
Karnataka bank limited will facilitate you Quick Fund Transfers within the Banks.
Fastest way of Inter bank fund transfers through RTGS / NEFT.
Fast Collection of Cheques – Cheques can be deposited at any branches in Karnataka.
Free registration to Money Click – Internet Banking Facility.
In Karnataka Bank have free SMS Alert facilities.
Free monthly e-statement facility and free cheque books.

So, please if you want to open a current account to your business, please open a current account in Karnataka Bank from that you will improve the your business. Please contact your nearest Karnataka bank branch or login to www.karnatakabank.com, email : info@ktkbank.com

SALARY ACCOUNT IN KARNATAKA BANK LTD. DETAILS

Karnataka Bank Ltd. Salary Accounts :
One of the Karnataka State’s or Kannadiga’s bank that is Karnataka Bank Limited, Karnataka Bank Limited bank branches have each and every district in our Karnataka state. In Karnataka Bank Limited bank facilitate the salary account in bank. Salary account is help to improve your self. Here Karnataka bank have 5 types of current account facilities. If you are opened your account in Karnataka bank it is suit your business needs and styles.

These are the five types of Salary Privilege Accounts :-
Central or State Government Accounts.
Multi National Company.
Educational Institutions.
Private Sector Employees salary account.
Bodies, PSU’s Accounts and
Other reputed companies / Firms / Concerns.

KBL Salary Privilege :
Introducing KBL Salary Privilege saving bank account, an exclusive banking option for employees.

Features for Salary Accounts :
There is No Minimum Balance in Karnataka state bank for above 5 types of accounts. Cash Deposit at any branches or cash withdrawal at any branch’s in Karnataka state. Because Karnataka bank limited have completely online banking system.
Karnataka bank limited will facilitate you Multi City Cheques facilities also.
Demand Drafts can be purchased from any branches.
Karnataka bank limited money plant VISA international Debit Cards available.
Karnataka bank limited will facilitate you Quick Fund Transfers within the Banks.
Fastest way of Inter bank fund transfers through RTGS / NEFT.
Fast Collection of Cheques – Cheques can be deposited at any branches in Karnataka.
Free registration to Money Click – Internet Banking Facility.
In Karnataka Bank have free SMS Alert facilities.
Free monthly e-statement facility and free cheque books.

Karnataka Bank Limited Salary Privilege Savings Bank Account can be opened by furnishing a proof of employment to the satisfaction of the bank. So, please if you want to open a salary privilege account to your personal life, please open a salary account in Karnataka Bank from that you will improve the your business. Please contact your nearest Karnataka bank branch or login to www.karnatakabank.com, email: info@ktkbank.com