8th Pay Commission News

இந்த 8th Pay Commission விஷயத்தை கவனிக்கும் போது ஒன்று மட்டும் தெளிவாகத் தெரிகிறது. அரசு வேலை என்றாலே ஒரு செட்டில் ஆன வாழ்க்கை, பாதுகாப்பான சம்பளம் என்கிற அந்த பழைய பிம்பம் இப்போது உடைந்து கொண்டிருக்கிறது. இந்த மாற்றத்தை நான் ஒரு நல்ல விஷயமாகவே பார்க்கிறேன்.

முன்பெல்லாம் ஏதோ ஒரு கணக்கில் சம்பளம் ஏறும். ஆனால் இப்போது NC-JCM மற்றும் BPMS போன்ற அமைப்புகள் வைக்கும் கோரிக்கைகள் மிகவும் லாஜிக்கலாக இருக்கின்றன. வெறும் பசிக்கு மட்டும் சம்பளம் கேட்காமல், ஒரு மனிதனுக்குத் தேவையான 3,490 கலோரிகள் சத்துணவு, வீடு, கல்வி, ஸ்கில் டெவலப்மென்ட் என்று ஒவ்வொன்றையும் பிரித்துக் கேட்கிறார்கள். 

குறிப்பாக BPMS அமைப்பு முன்வைக்கும் வாதம் முக்கியமானது. 2016-17ல் ₹1,03,219 ஆக இருந்த தனிநபர் வருமானம், 2024-25ல் ₹1,92,774 ஆக உயர்ந்துள்ளது. இது 86.76% வளர்ச்சி. நாட்டின் வருமானம் இவ்வளவு வளரும்போது, அதை உருவாக்கும் ஊழியர்களின் குறைந்தபட்ச சம்பளம் மட்டும் ஏன் பழைய கணக்கிலேயே இருக்க வேண்டும்?

அதனால்தான் குறைந்தபட்ச சம்பளத்தை ₹69,000 அல்லது ₹72,000 ஆக உயர்த்த வேண்டும் என்று அழுத்தம் கொடுக்கிறார்கள். தற்போது இருக்கும் 3% annual increment-ஐ 6% ஆக மாற்றக் கோருவதும் நியாயமாகவே படுகிறது. 

அரசு ஊழியர்கள் என்றாலே ஏதோ சலுகையில் வாழ்பவர்கள் என்கிற எண்ணம் மாற வேண்டும். ஒரு ஊழியரின் குடும்ப உறுப்பினர்களின் எண்ணிக்கையை 3 என்பதில் இருந்து 5 என்று கணக்கிட வேண்டும் என்கிற கோரிக்கை, எதார்த்தமான வாழ்க்கைச் சூழலை பிரதிபலிக்கிறது. 

சென்னை, பெங்களூரு போன்ற நகரங்களில் வாழ்க்கைச் செலவு எகிறிக் கொண்டிருக்கும் நிலையில், இந்த 8th Pay Commission எடுக்கப்போகும் முடிவுதான் அடுத்த சில ஆண்டுகளுக்கான எக்கானமி போக்கை தீர்மானிக்கும். வெறும் எண்களை மட்டும் பார்க்காமல், அந்த எண்களுக்கு பின்னால் இருக்கும் உழைப்பையும் வாழ்வாதாரத்தையும் அரசு அங்கீகரிக்குமா என்று பார்ப்போம்.

MINJUR PLOTS SALE

 

Perungavur - Plots Sale

 

𝗕𝗔𝗝𝗔𝗝 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘

 

𝗪𝗢𝗥𝗟𝗗 𝗣𝗛𝗔𝗥𝗠𝗔𝗖𝗜𝗦𝗧 𝗗𝗔𝗬

 

LIC - Life Insurance Corporation Awareness

FOLLOWING DETAILS REQUIRED TO TAKE 

LIFE INSURANCE 

CLIENT NAME -  

GENDER - 

DOB - 

ANNUAL INCOME - 

SALARIED / SELF EMPLOYEE - 

SMOKER / NON SMOKER - 

EDUCATION -

SUM ASSURED - 

Address -

PINCODE -

FATHER Name and Age-

Mother Name and Age-

Height -

Weight -

No. of Brothers and Age

No. Of Sisters and Age

No. Of Male Children and Age -

No. Of Female Children and Age -

Nominee Name -

Date Of Birth - Relationship -

Email ID -

Phone Number -

Bank Proof -

Aadhar Card -

Pan Card -

Passport Size Photo -

Salary Proof last 3 Months 

OR 

Bank Statement for 6 Months 

OR 

ITR for Last 3 Years

  

A helmet saves your head and your life when the unexpected happens. Similarly, Life Insurance protects your family from financial hardships.

Never compromise on life insurance. 

Secure your family's future today!

📞 Call Us: +91-9790703219 / 9444681965

மனை விற்பனை - தக்கோலம்

 

Jeevan Labh - LIC

 

TATA AIG CAR INSURANCE

 

For Further Details Please Contact:

HDFC LIFE INSURANCE

 

Get ₹. 1 crore life cover at just ₹. 24/- per day for your family's financial security.

For further details please contact:

Shriram Life Insurance

BRIDES BRIDEGROOMS WANTED || மணமகன் மணமகள் தேவை

BRIDES BRIDEGROOMS WANTED 

மணமகன் மணமகள் தேவை

மணமகள் விவரம்

Name: M. Vidhya Rani alias Jemima

Surname: Marlapati

Date of Birth: 25-01-2000

Age: 26

Father's Name: M. Ramesh alias Ebenezer

Mother's Name: M. Rachel

Religion: Christian (Baptist)

Mother Tongue: Telugu

Education: B.E ( ECE)

Height: 152 cms

Job: System Engineer in Infosys, Chennai

Salary: ₹. 35,000/-

Caste: SC, Adi-Andhra (Madiga)

Dhomathi: Gampa

Gothram: Palilla

Native: Chennai

𝗧𝗥𝗔𝗩𝗘𝗟 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘

 𝗧𝗥𝗔𝗩𝗘𝗟 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘

Travel insurance acts as a financial safety net against unexpected disruptions and health emergencies before or during a trip.

Core Coverage Benefits:

Emergency Medical & Dental Coverage: 

Covers out-of-pocket hospital stays, emergency surgeries, doctor visits, and urgent dental care while traveling abroad. 

Medical care in foreign countries (such as the US or Europe) can be extremely expensive without local insurance.

Emergency Evacuation & Repatriation: 

Pays for air ambulance transportation to the nearest adequate medical facility or back home if required for treatment.

Trip Cancellation & Interruption: 

Reimburses non-refundable prepaid expenses (flights, hotels, tours) if you must cancel or cut a trip short due to covered reasons like sudden illness, family emergency, or natural disaster.

Trip Delay & Missed Connections: 

Reimburses additional lodging, food, and rebooking expenses incurred when flights are significantly delayed or canceled due to bad weather or airline issues.

Baggage & Passport Loss: 

Reimburses the monetary value of permanently lost or stolen luggage. 

For delayed baggage, it reimburses purchases of immediate essential items (toiletries, clothes). 

It also assists with application fees and logistics if you lose your passport.

Personal Liability Coverage: 

Covers legal fees or third-party damages if you accidentally injure someone or damage property while traveling.

24/7 Global Emergency Assistance: 

Provides round-the-clock help desk support for finding local medical facilities, legal assistance, emergency cash transfers, and translation support.

Types of Travel Insurance Plans

| Plan Type | Best Suited For | Key Feature |

| Single-Trip Policy | One-off vacations or short domestic/international trips | Covers the exact travel dates specified for an individual or family. 

|Multi-Trip (Annual) Policy | Frequent travelers, business travelers, digital nomads | Covers unlimited trips within a 365-day period up to a set duration limit per trip. |

|Family Travel Insurance| Vacations with spouse and children | Groups everyone under one policy, often at a discounted bundled rate. |

|Student Travel Insurance | Long-term study abroad programs | Offers extended duration coverage, healthcare access, and university-required inclusions. |

|Senior Citizen Travel Insurance | Older travelers | Tailored coverage catering to health needs and medical emergencies. |

Common Exclusions to Keep in Mind

Pre-existing Medical Conditions: Not covered unless specifically declared and an optional pre-existing condition rider is purchased.

High-Risk & Extreme Sports: Standard policies exclude extreme sports (scuba diving, mountaineering, paragliding) unless an adventure sports add-on is selected.

Substance Use: Incidents or injuries occurring while under the influence of alcohol or non-prescription drugs are typically denied.

Travel to High-Risk Zones: Destinations subject to government travel bans or active war zones are usually excluded from standard policies.

மீஞ்சூர் BI CITY வாராகி ரெசிடென்சி

 SRIE VAARE ESTATES 

MINJUR VAARAGI BI CITY VACANT PLOT NO .

24

26

38

40

79

85

மீஞ்சூர் BI CITY வாராகி ரெசிடென்சி 1 சதுரடியின் விலை ரூபாய்.1599/-

வாடிக்கையாளர்களுக்கு OFFER, REGISTRATION  PATTA AND  800 சதுரடி மேல் 2 GRAM GOLD COIN 

600 TO 799 சதுரடிக்கு உட்பட்ட மனைகளுக்கு 1 GRAM GOLD COIN

Sevvapet - Plots Sale

 

நம்பிக்கை செய்தி

 

JEEVAN UMANG - LIC INSURANCE

 

healeR SUNDARAVADANAM

 

LIC's Single Premium Endowment Plan (Plan No. 717)

 LIC's Single Premium Endowment Plan (Plan No. 717)

LIC's Single Premium Endowment Plan (Plan No. 717) is a traditional, non-linked, participating life insurance policy that combines long-term savings with insurance protection through a one-time, lump-sum premium payment. 

Modified under the new IRDAI regulations, it functions similarly to a bank Fixed Deposit (FD) but offers the added benefit of a life insurance cover and tax advantages. [1, 2, 3, 4, 5] 

🔎 Key Parameters & Eligibility Conditions

| Parameter | Minimum Limits | Maximum Limits |

| Entry Age | 90 days (Completed) | 65 years |

| Policy Term | 10 years | 25 years |

| Maturity Age | — | 75 years |

| Basic Sum Assured | ₹50,000 | No Upper Limit (Subject to underwriting) |

| Premium Payment | One-time payment only |

💵 Core Policy Benefits

Maturity Benefit: 

If the policyholder survives to the end of the policy term, a lump sum is paid out.

Death Benefit:

If death occurs before the commencement of risk: 

Nominees receive the Single Premium paid (excluding taxes/extra premiums) without interest.

   * If death occurs after the commencement of risk: Nominees receive the Sum Assured on Death + Vested Bonuses. (Note: Sum Assured on Death is typically defined as higher of Basic Sum Assured or 1.25× the Single Premium paid depending on entry age.) [4, 6] 

* Commencement of Risk for Minors: For children under 8 years of age, life risk cover begins either 2 years from the policy start date or upon attaining 8 years of age, whichever occurs earlier. For those aged 8 and above, risk cover starts immediately. [4, 7] 

* 

------------------------------

## 💡 Liquidity, Loans & Tax Rules

* 

* Policy Loan: You can apply for a loan after 3 months from policy issuance. Loan values vary between 50% to 80% of the Surrender Value, depending on the policy year. [2] 

* Guaranteed Surrender: If you need to exit the policy early, the guaranteed surrender value is 75% of the premium within the first 3 years, and 90% from the 4th year onwards (excluding taxes and rider premiums). [2] 

* Tax Benefits: You are eligible for tax deductions on the single premium under Section 80C. The maturity amount is also tax-free under Section 10(10D), provided the Basic Sum Assured is at least 10 times the single premium paid. [4, 8] 

* 

To calculate an exact quotation or return illustration for this plan, please share:

* 

* The age of the person to be insured.

* The preferred policy term (between 10 and 25 years).

* The investment budget or the desired Sum Assured amount.

* 

[1] [https://www.youtube.com](https://www.youtube.com/watch?v=vhxw3DP9SJg)

[2] [https://www.policybazaar.com](https://www.policybazaar.com/insurance-companies/lic-india-investment-plans/single-premium-endowment-plan/)

[3] [https://licplancalculator.com](https://licplancalculator.com/lic-single-premium-endowment-plan-717/)

[4] [https://sinduinsure.in](https://sinduinsure.in/services/lic-single-premium-endowment-717)

[5] [https://www.youtube.com](https://www.youtube.com/watch?v=oUT2yxwRSA4)

[6] [https://licplancalculator.com](https://licplancalculator.com/lic-single-premium-endowment-plan-717/)

[7] [https://www.youtube.com](https://www.youtube.com/watch?v=RxSyk6THARI)

[8] [https://www.magicgyan.com](http://www.magicgyan.com/MobileAppPages/ProdPlanDetails.asp?PlanNo=717)

LIC New Jeevan Anand (Plan No. 715)

LIC New Jeevan Anand (Plan No. 715) is one of the most popular and unique financial products offered by the Life Insurance Corporation of India (LIC). It is a non-linked, participating, individual, life assurance plan that offers a powerful combination of protection and savings under its signature tagline: "Zindagi Ke Saath Bhi, Zindagi Ke Baad Bhi" (With you during life, and after life).

Its standout feature is the dual benefit: you receive a lump sum maturity amount at the end of the policy term, but your life insurance cover does not end there. It continues as a free life cover for the rest of your life (up to age 100).

---

🔎 Eligibility Criteria & Restrictions

Before purchasing, verify that you meet the following absolute parameters:

• Minimum Age at Entry: 18 years (completed)
• Maximum Age at Entry: 50 years (nearer birthday)
• Maximum Maturity Age: 75 years (for the premium-paying term)
• Policy Term: 15 to 35 years
• Minimum Basic Sum Assured: ₹1,00,000
• Maximum Basic Sum Assured: No limit (subject to underwriting and your income limits)

---

🗒 Key Financial Benefits

1. Guaranteed Maturity Benefit

If you survive till the end of the chosen policy term and have paid all premiums regularly, you will receive a substantial lump sum:

• Calculation: Basic Sum Assured + Accrued Vested Reversionary Bonuses + Final Additional Bonus (if any).
• Once this amount is paid, the regular premium-paying portion of the contract closes, but the lifetime security clause activates.

2. Lifelong Protection Benefit (Post-Maturity)

Unlike standard endowment plans where the relationship ends after the maturity payout, Plan 715 keeps a permanent safety net active. After your policy matures, you pay ₹0 in premiums, yet you hold a lifelong insurance shield. Upon the eventual death of the life assured at any time post-maturity (up to age 100), the nominee receives the Basic Sum Assured once again in full.

3. Death Benefit (During the Policy Term)

If the policyholder passes away during the active premium-paying term, the family is financially protected. The death benefit is defined as the "Sum Assured on Death" plus accumulated bonuses.

• Sum Assured on Death is defined as the higher of:
  • 125% of the Basic Sum Assured
  • 7 times the annualized premium
• Note: This overall death benefit will never be less than 105% of the total premiums paid up to the date of death.

---

📊 Practical Financial Framework (Simulated Example)

• Proposer Age: 30 Years
• Chosen Policy Term: 21 Years
• Selected Sum Assured: ₹5,00,000

The individual will pay premiums for 21 years. At age 51, assuming all conditions are met, they will receive an estimated maturity sum of roughly ₹10,00,000 to ₹11,00,000 (composed of the ₹5L base + accumulated LIC performance bonuses).

After cashing this check, they pay nothing further. However, a ₹5,00,000 life insurance plan stays locked in place completely free. If they live to age 85 and pass away, their nominee receives an additional fresh cash payout of ₹5,00,000.

⚠️ Wealth-Degrading Guardrails & Market Realities:

• Bonus Fluctuations: LIC declaration rates fluctuate annually based on sovereign fund performance. The final maturity is a variable projection, not a mathematically fixed guarantee.
• Surrender Penalties: If you exit or stop paying premiums before completing at least 2 full years, you will suffer severe financial penalties and may lose a major portion of your invested principal.

---

💡 Hidden Costs, Taxes, & Utilities

• Loan Availability: After completing 2 full years of active premium payments, you can leverage the policy's Surrender Value to take out a low-interest loan directly from LIC for liquidity emergencies.
• Tax Optimization: Premiums paid qualify for deductions under Section 80C, and the maturity/death proceeds are fully tax-exempt under Section 10(10D) of the Income Tax Act.
• Rider Customization: You can enhance the policy by attaching paid riders like the Accidental Death and Disability Benefit Rider or the New Critical Illness Benefit Rider.

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To help map out a concrete premium schedule and calculate your exact projected maturity returns, please specify:

• Your exact age
• Your desired Policy Term (how many years you want to save/pay)
• Your target Sum Assured or your maximum annual budget for premiums

Vinayagar Chathurthy Wishes

 

𝗘𝗟𝗔𝗩𝗨𝗥 - 𝗟𝗔𝗡𝗗 𝗦𝗔𝗟𝗘𝗦