My Blogs

Term Insurance and Senior Citizen

The term life insurance is the most common life insurance on the market today, it is not the best option for seniors over 70 years of age. When you get a life insurance policy at the age of 70, you will inevitably pay a premium that increases dramatically over the next 10 years.

Life Insurance has a maximum entry age of 69 and guaranteed renewable age up until 99 years of age. Besides life cover, you can take advantage of a Funeral Benefit and Terminal Illness Benefit as part of your cover. As with all other age groups above 18, the Benefit Period for Income Protection for seniors is 2 years or to age 65.

Having Life insurance remains as relevant for all senior citizens, because it helps in many ways for their difficulties. Many Life insurance policies help protect families by releasing some funds early to help look after any immediate funeral and legal expenses at the time of a death occurring. Read More…

Life Processes in Human

Human beings are complex beings and their digestive system is also complex. The human digestive system is made up of an alimentary canal and some accessory glands. Elementary canal is divided into several parts, such as esophagus, stomach, small intestine, large intestine, rectum, and anus. The salivary gland, liver, and pancreas are the accessory glands that are located outside the primary duct.

The human digestive system includes the elemental canal and related digestive glands, they are as follows: –

Elementary canal: This includes the mouth, esophagus, stomach, small intestine, and large intestine.

The main glands are as follows: –

Gastric glands



The mouth has teeth and tongue. Salivary glands are also present in the mouth. The tongue has gustatory receptors which perceive the sense of taste.

The tongue helps in turning over the food so that saliva can be properly mixed in it. Teeth help in breaking down the food into smaller particles so that, swallowing of food becomes easier. There are four types of teeth in human beings. The incisor teeth are used for cutting the food. The canine teeth are used for tearing the food and for cracking hard substances. The premolars are used for the coarse grinding of food. The molars are used for fine grinding of food.

Saliva makes the food slippery which makes it easy to swallow the food. Saliva also contains the enzyme salivary amylase or ptyalin. Salivary amylase digests starch and converts it into sucrose.

Food is transported from mouth to stomach by peristaltic action. In which there is a rhythmic contraction of the muscles of the lining of the alimentary canal to advance the food.

The high muscular walls of the stomach help churn food. The stomach walls secrete hydrochloric acid. Hydrochloric acid kills germs. In addition, it makes the stomach acidic. Acidic medium is necessary for gastric enzymes to function. Pepsin, an enzyme secreted in the stomach, performs partial digestion of proteins. The mucus secreted by the walls of the stomach protects the inner lining of the stomach from being damaged by hydrochloric acid. Read More…

WhatsApp Shopping: A Change

Changes are being made to WhatsApp by adding a new shopping button, which will make it easier for customers to search the list of businesses. It will be easy for customers to know which goods or services are offered by which particular business. With this help, it will be easier for businesses to search for their products and this can help in increasing sales.

With the new WhatsApp feature, users will now see a shopping button next to the profile of the business account. The button looks like a store icon. Pressing the shopping button will open the catalog and users will be able to select items according to their needs. The payments service is based on UPI and will allow for direct bank transfer payments from WhatsApp itself.

How it will work:

Go to any business account on WhatsApp. If the seller has uploaded a catalog to their business account, the user will see a shop symbol just next to the account name.

Pressing it will open the catalog and show the products that are available by trade. You can browse the catalog and see pictures of each product. If you like a product, press the message business button below the picture and you can get information about that particular product. Read More…

Bhai Dooj

Bhai Dooj is a festival celebrated by Hindus on the second lunar day of the Shukla Paksha of the Vikram Samvat Hindu calendar or Kartik month. It is celebrated during the Diwali and Holi festival. Bhaiya Dooj is one such occasion that can define the eternal love between brothers and sisters.

They are the best friends of each other, protectors of each other, admirers of each other and has unconditional love for each other. This wonderful festival is an important occasion where sisters pray to God for the longevity, well-being and prosperity of their beloved brother. It is celebrated on the last day of the five-day long festival of Diwali. It is also celebrated in the southern parts of India as “Yama II”.

According to the one legend, Lord Krishna visited his sister, Subhadra after killing demon Narkasur. Her sister gave a warm welcome to him and made the occasion really special through flowers and sweets. Subhadra also applied the ceremonial “tilak” on the forehead of her brother, Krishna and hence the festival of “Bhai Dooj” was born from there. Read More…

Diwali, The Festival of Lights

Diwali is the festival of lights, which is celebrated with great pomp across India. The festival usually lasts for five days and is celebrated during the Hindu month of Kartik. One of the most popular festivals of Hinduism, Diwali spiritually signifies “the victory of light over darkness, good over evil, and wisdom over ignorance.”

Diwali is the festival of Indian lights. The festival gets its name from the row of clay lamps that Indians light outside their homes. Earthen lamps symbolize the inner light that protects us from spiritual darkness.

The festival is dedicated to Lord Rama, who returned to his kingdom on this day after his victory over King Ravana of Lanka. He was welcomed by the citizens of Ayodhya by lighting lamps in front of their homes. The festival falls on the “Amavasya” of the Hindu month Karthik. This night is very dark, but in the light of the lamps there is not even a shadow of darkness. Read More…

Lets Spread Happiness This Diwali

We celebrate festivals as a tradition, but we forget those values of traditions. These days we end the festivals with a good meal, home decoration, cleaning around, etc. But can you think that these are not our traditions, we have modified them according to our comfort. We do not give gifts, but change them from one to the other on this day.

Let us celebrate this Diwali by spreading happiness. Light a lamp of joy in a house that has not even realized it. We should give gifts to those who need them. If we do this, it will be a meaningful Diwali for all of us. See also a day of happiness in the lives of those who see it from afar. Let’s erase this line of distance and bring them together, which was drawn by us by mistake.

Diwali is a festival of light. Brighten the life of a homeless child, a shelter is nothing less than a house. Visit their home with gifts and smiles. You should aim to enjoy them. Carry simple toys, sweets and useful items like pens, notebooks, color pencils etc. All this gives them a small part of their stolen childhood.

Instead of spending on firecrackers that are harmful to the environment, donate to NGOs like “Save the Children”. The organization works closely with children, communities and governments, facing the greatest challenges today, including education, nutrition, trafficking, violence and abuse. When you donate to a child’s education, you not only help them gain the ability to read and write, but also help in building a more caring society. Read More…

The Cost of One Smile

It was summer, I was on the road from Jodhpur to Jaisalmer with my friends. It was night, and Weather was looking happy. We parked our vehicle near a restaurant and after a short walk we sat down to eat. It was a very crowded area, while there were very small flowers stall, other such shops and also a big temple in front of it, Therefore, there is always a crowd in that area.

We ordered food. There was some time to serve our food. My eyes fell on the owner of the restaurant, while a poor man was sitting with folded hands on the ground, the man’s eyes were somewhat filled and stung, looking helpless with hunger and thirst. I got up and went to the owner of the restaurant and asked what is it, who is this this and why is he sitting down. The restaurant owner told that he has made this restaurant’s hut, it was to be paid tomorrow but it has arrived today.

I liked the nature of the restaurant owner but he did not like the man coming in such a crowd. When I asked the man to sit with us, he was very surprised, but then sat down, that day I enjoyed eating very much. After eating food there was a feeling on his face but he was also seen in confusion. When asked the reason for this, he told, “My stomach is full but everyone in the house are looking for food, what I will tell them?”

Our bill had arrived, I went to the counter on the pretext of paying the bill, asked to pack food for the man and to add the amount to my bill. Then I was very happy to hear what the restaurant owner said. He said, “Let us also do some service, it is my fault that I did not understand it, he is, who made my restaurant and I forgot to respect it.” Thus the owner of the restaurant not only gave him food but also paid his full remuneration at the same time and assured him of help whenever he needed it. At that time the man’s face had blossomed like a rose, he and the owner of the restaurant were also thanking us for all this. Thus the smile of that unknown man had made both our journey fatigue and journey successful. Read More…

Apply for instant PAN through Aadhaar

PAN is not only an identity proof but also an important document for filing financial transactions and income tax returns. In order to make the PAN application easier for the people, the immediate PAN allocation has been formally initiated by the Income Tax Department this year through “Aadhaar facility”.

Now, people can apply for instant PAN using Aadhaar-based e-KYC, and can also download it immediately. This facility is now available to all those who have a valid Aadhaar number and who have a mobile number registered in the UIDAI database, which is active. Now, one can also have an electronic PAN card as it is also a valid PAN. Not only this, you can do all this in 10 minutes from home. You need neither to visit any booth, Centre, nor have to pay any amount.

How to apply for Tatkal PAN:~~

Visit the Income Tax Department website

Click on the instant PAN link through Aadhaar.

Click on the “Get New Pan” link.

Fill in your information in the space provided and confirm.

Applicant will receive an OTP on the registered Aadhaar mobile number; Enter OTP and submit.

Information related to PAN status and download: ~~

Visit the Income Tax Department website

Click on the instant PAN link through Aadhaar.

Click on PAN status

Fill in your information in the space provided and confirm.

Applicant will receive an OTP on the registered Aadhaar mobile number; Enter OTP and submit.

If PAN is allotted, click on the download link to get a copy of the e-PAN PDF. Read More…

Wild versus Human

Undoubtedly, humans are exceptional by virtue that they are the smartest on this planet. Is it the fact, no, many of the animals and birds make this sense fake? In generally, animal make a mistake due to ignorance, but in the case of man, there are lots of mistake which were done by knowing the facts.

A human starts learning by birth, first of all he/ she adopts the signs, then learns mother tongue in a very easy manner without any specially appointed a tutor. The formal education starts at school/ institution. When attains educational qualification then his/ her professional education starts. After this much levels of education, what he behaves, beyond our expectations.

Where as we talks about an animal, it fully depends upon nature. His food, shelter, self security all depends on nature. All they learn to live from nature. That’s why they are called wild. Some of the animals are very close to humans in their lives. If they have any owner, they are called pets, rest are called stray.

First, the “camel”, which was used for agricultural activity and also moved goods from one place to another before motor vehicles came into existence. Camels with only one week of training were used for various agricultural needs. It is a very peaceful animal. It does not cost too much to keep it. The thorny bushes are its favorite food. Despite being such a powerful animal, even a child can handle it. Camels are mostly used in desert terrain, because camels are also called desert ships.

The second is “bull”, it is a camel’s substitute. Where there is hard soil, bulls are well used. It is also suitable for agriculture and freight transportation. They are also peace loving but sometimes take extreme form. They can also be handled by children but with caution. While plowing the fields, camels and bulls move very straight, most of us cannot even draw a straight line with the help of a scale.

Domestic animals include cows, buffaloes, goats, sheep, chickens, and dogs etc. which are directly or indirectly helps the humans. Dogs are definitely reared in a house where there are sheep goats and chickens. Dogs always guarding these animals from others instead of hunting them. But, the human, find a chance to hunt the thing, to whom he is guarding. The animal does not detect the faults of others. But we have a tendency to do it whether we know anything or not. Read More…

Agriculture, Our Kitchen Garden

Organic produce is getting pricey everyday and everyone wants to eat healthy. You can easily save on expenses by growing vegetables indoors. It’s not as tedious as it sounds, hence, everyone must have a kitchen garden, where you can grow herbs and vegetables you use in everyday cooking.

There was a piece of land near our house, which we developed as a kitchen garden. In this we sowed spinach, carrots, coriander, brinjal, garlic, onions and green chilies, which became quite popular in our neighborhood. Apart from this, we also planted some fruitful plants. It looked so beautiful that many people came to see it.

It was the habitate of our pets. A shed was installed here to prevent sun and rain and an underground water tank, an open tank and a hand pump were also provided, if for any reason the water supply is shut down, then, there should not be any problem for the water.

Most of our time was spent in this piece of land, one of the reasons was that we had to go there to take care of the animals and secondly, it became a beautiful garden, which had rosewood, neem, plum, mulberry and pomegranate trees, which now started giving good shade and fruits. Read More…