Health plans usually have sub-limits for every expenditure (e.g. a limit on ambulance costs, room rent costs, etc.). Look for a policy with higher sub-limits, or preferably, no sub-limits on individual expenses. Some health plans require you to pay a specific amount in case of hospitalisation. Check this clause to understand how much you need to set aside for this. Read through the exclusions (illnesses that are not covered by the policy) to be aware of the costs of illnesses you will need to bear. Purchase a separate health plan for your elderly family members since insurance companies usually levy certain restrictions on coverage for seniors. … [Read more...] about 3 critical steps to take before you start investing
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Mumbai’s size, significance and ability to make international news has made the city the target of some of the worst terrorist attacks in the country. On March 12, 1993, a series of bomb explosions at different city locations killed 257 persons and injured more than a thousand. On August 25, 2003, two car bombs snuffed out 54 lives and injured more than 200 others. In July 2006, a series of bombs in Mumbai’s suburban railway killed 20 people. In November 2008, major city destinations were attacked that killed 174 men, women and children and wounded 300. Many other smaller terrorist incidents have taken place making Mumbai a preferred hunting ground for terrorism. … [Read more...] about Seven reasons why Maharashtra should have a new capital
OnePlus has officially unveiled its Android 11-based Hydrogen OS in China. Hydrogen OS is OnePlus’ custom Android skin for the Chinese market that does not feature Google Play Services or Google apps. These new Hydrogen OS features are likely to get passed on to Oxygen OS -- the custom OnePlus Android skin that India and rest of the world gets. … [Read more...] about These Hydrogen OS 11 features could be available in OnePlus Oxygen OS 11 in India
You have to build a retirement nest egg that can sustain your expenses through the rest of your life and your partner’s. This is a complex topic by itself, but the principles that determine the size of the corpus are your spending pattern, the rate of inflation and the manner in which you invest those savings when you retire, and the number of years that you want the corpus to last. An illustration is included here. … [Read more...] about How much money do you really need to be financially independent?
As a VC, you don’t normally sell good companies early, because you forfeit the long-term upside potential. But now we’re going through the sales process with a few, where the CEO is on board. The companies are strong, some are profitable, and though we’ll miss the chance that one might turn into a home run, we believe it’s best to bank the returns now as a safety net for the fund. Instead of swinging for the fences, we’re going for more doubles or triples: maybe a 3X return now instead of hoping for 50X later. … [Read more...] about How my VC fund is helping our companies survive the pandemic