Sanjeev Malhotra

@MyWealthGuide @PawanDurani @ProsaicView @FinMinIndia @MoHFW_INDIA The complete chain, medical insurance and hospitals need to be examined. There needs to be transparency. As for the argument that this is a private business, so is petroleum. But the government does manage pricing in the later.

Insurance premium can increase with change in age bracket and also if the insurance company actually increases the premium.. while buying a policy, instead of choosing a policy with lower premium initially, one must also consider the increase in premium due to change in age bracket; If policy premium is increased abruptly, you may consider porting to a better alternative, or consider a small amount of deductible, or buy a super top up policy along with a base policy..

Last year I paid a premium of Rs 66,000 for my health insurance policy , a family floater. Since then GST was removed. This year my premium is Rs 92,000 . I haven't claimed insurance ever. This is a loot done brazenly , and our @FinMinIndia & @MoHFW_INDIA has shut it's eyes

@rishibagree @PawanDurani @FinMinIndia @MoHFW_INDIA I think insurance companies need to be more transparent. While costs would have certainly increased, a body like IRDA should examine if costs have gone up disproportionately. While medicine and insurance are profit driven, so is petroleum. Govt does intervene in the latter.

In family floater insurance, premiums are primarily anchored to the oldest member’s age. When that individual crosses into a new age bracket (such as 45 or 50), the base premium increases automatically to account for the statistically higher health risks associated with aging. Since this is a fundamental actuarial calculation used by insurers to manage risk, it remains largely outside the scope of government intervention.

@nehanagarr Cooking, social etiquette outside home, riding a cycle.

Bhagwat Gita and personal finance are two things I feel must be included in our school's academic curriculum. What else?

@saffrontrail And the dark kitchens, the office canteens and the non star restaurants also

Most of India’s chronic diseases could vanish if schools served such balanced lunches from childhood, building lifelong habits. The hygiene, nutrition, taste & colours in these meals-doubt any country comes close to providing this to school children that too for free.

@Chalta_Hai_ @shrav_10 Woh bhi kare ge. Aap ka jab unse samna hoga toh pata chalega

@shrav_10 Itna toh #ChaltaHai - ab police wale nahi khayenge, then kaun khayega? IAS? Neta? Judges? Contractors? Corporator? RTO?

@maheshperi @SirKazamJeevi @AdityaDharFilms @yadavakhilesh I suppose it is okay to do a fictional story around real events. People need to realise that fiction is fiction and enjoy the story. The sad part is that a political tarka is required to make it sell.

@AdityaDharFilms lacks integrity. He conflated timelines and events for propaganda to support demonetisation, UP elections and make @yadavakhilesh look like a Pakistani puppet…Here are some timelines..

@Jayvtweets How do you hold your pen, lightly or tightly and how hard do you press on the paper? Use Pilot roller or a good gel if you hold and press lightly

Still in the process of finding a “perfect” pen that suits my handwriting. Pencils, meanwhile, have been quietly getting it right since primary school days.

@YaminiDiva Loyal men. They value the time spent together.

Honest question: What do men have against mint new wallets? My dad, my brother, my husband, almost all my cousins use battered, worn out wallets. Even when they have new branded wallets in their possession. Is it just my family or are all men like this?

@ushrit2020 Let me get my peanuts and whiskey first.

A THOUGHT EXPERIMENT What if Modi and Trump were to swap roles for the remainder of their terms (roughly 3 years each): would MAGA overtake MIGA, or would MIGA overtake MAGA? I shall ponder this question over my Saturday whisky and peanut masala. If you have an opinion...

@volklub It is heartwarming to see the comradery and your own journey of self discovery. Ask Car Guru's honesty is apparent in his videos.👏👏

Amit Khare Ji (AskCarGuru) is a true example of humility, like a tree full of fruits that always bends. I deeply regret doubting his genuineness as a viewer 5–6 years ago whereas his advices are always practical and user friendly without any self-interest. Not only did he forgive my behaviour, but he also supported me like an elder brother at every event for the last 3 yrs. In my early days, when I was extremely shy, he would come forward, make me feel comfortable, and share insights that genuinely helped in my growth. We all make mistakes, and with time, we learn.

@jopriyu I bow to you🙏

Stayed at a hotel with a full-blown buffet.....parathas, pancakes, live counters, the whole royal spread. And I walked out with… fruits and yogurt. Have I achieved Nirvana, or has my inner middle-class auditor finally attained moksha? 😄

@razib_ul47671 AI

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@ushrit2020 Swearing by God will not do. You need a sworn affidavit. Notaries will sprout close to the checking point

What rule applies to atheists like me, who might visit Badri-Kedar out of sheer curiosity, or as reluctant escorts to devout spouses?

@Aunindyo2023 I empathise with Rajesh. But defending corruption is not right (I do not think that is the intention) The likes of Rajesh do not exist for the town planner. The TP needs to understand the economic and social flows of our country.

In Defence of Corruption The magic is in Rajesh’s mixing – the tossing of the puffed rice, the timing of each wet and dry ingredient and the exact amount of mustard oil that he puts in the jhal muri. You just need to be a little patient as he moves across his push-cart. Rajesh had polio as a child. Every day, two beat cops come and stand with the small crowd of his dedicated clientele. There’s an unconscious acceptance amongst everyone, that the cops will get priority. Almost everyone who stands there is rich or powerful enough to make the cops wait, but they all know it will get Rajesh into trouble. I had once asked him how much hafta the cops take from him, for allowing him to stand with his cart at the street corner. He smiled and said that they give him a discount. “Langda hoon saheb,” he explained. It’s a sympathy rebate that the other thelawalas and hawkers, on the road outside our office, do not get. “Bakiyon ka fix rate hai – koi 500 deta hai, koi do hazaar. Jitni zyaada sale hai, utna zyaada dena padta hai.” “Aap log complain kyon nahin karte?” I had asked, somewhat indignantly. Rajesh smiled and said “policewaale, MCD waale, yeh log hafta nahin lenge to phir humko yahaan kaun khada hone dega?” Things suddenly fell into place. I remembered how, about a year ago, an honest officer had taken over the local thana. The hawkers on the street were raided, their thelas confiscated. They disappeared for almost a month, till the SHO was transferred. Rajesh is wary of honest officers, who implement the law zealously. He was once evicted from his home by an honest officer. It was in a large cluster of jhuggis that had sprung up on municipality land. Hawkers, daily wagers, maids, rickshaw pullers and an entire range of self-employed entrepreneurs who make up the bulk of India’s service sector, lived in the encroachment. Like his neighbours, Rajesh paid high rates for an illegal power line to his jhuggi. Like others he paid extortionist prices for water from the private tanker that came every two days. Every month, the local dada – Babubhai – came and collected his share of the money that had to be paid to the cops and the municipality officers. Rajesh was Babubhai’s favourite. He sometimes came for a packet of bhujiya and for a head massage. Rajesh had strong fingers in strong hands, which had once been broken by a local cop. Babubhai had taken a group of locals and surrounded the thana. The cop had to be transferred. Babubhai was elected to the local ward, but even he could not stop Inspector Karamvir Singh from getting the jhuggi demolished. Inspector Singh was incorruptible and didn’t fear politicians. He had joined the force to implement the law, and evicting the encroachers was part of that. Later, the Inspector had personally come and given Rajesh 500 rupees, but told him that he must go and live in an authorized colony. Predictably, Inspector Karamvir was quickly posted to somewhere in the hinterland of Haryana. The encroachers returned, but Babubhai charged an extra fee to make up for lost revenues. Here too, Rajesh got a sympathy discount. His polio made life cheaper for him. People like Rajesh help generate black-money every day. Bribing allows them to live in the interstices of urban India. They know that the law protects the right to property more than any other right. They survive by breaking these property rights – standing with a thela at the crossing, setting up house on municipality land, stealing electricity from the closest pole. The bribes go up an interconnected chain, right to the top – to top cops, politicians, ministers, babus and other authorities. They flow and coalesce as bundles of black money - sometimes as hoards, sometimes as real estate and at other times as gold or even P-notes. It creates a network of power that runs parallel to the network of law and liberty. It weaves together a political society right next to the civil society of middle-class propertied citizens. Rajesh is the biggest victim of black-money and corruption. But, without it Rajesh would never be able to survive, because, people like Rajesh have no place in the nation of citizens. They will forever remain fragments invisible to the law. (From a blogpost I wrote 10 years ago)

@noyes99 @hvgoenka Really? Two pin codes for a few hundred residents!

@hvgoenka Maharashtra governor. Of course. The residence itself has two PIN codes.

Who lives in the most expensive home in the Country? Hint 1 - it’s in Mumbai. Hint 2 - it’s not who you think.

@DrAMSinghvi @meenaambwani Mein toh sharma gaya.

Most “abhisheks” are good, even very good, even very very good!!

@bsdhanoa I am sure the Iranians will be happy to do it.

Give the Kuwaiti pilot a medal…

@sankulyaa @sharrmasumann In some sense, the Ayatollah was an NRI.

Ahmad Musavi was an Shia scholar born near Lucknow. In 1830, to escape the British rule, he left India & finally settled in a village called Khomeyn in Iran. His grandson - Ayatollah Khomeini, used Hindi as a pen name to indicate his Indian connection. #Iran

@sanjayuvacha @Palaiborn In cases where police arrest people and even charges are not made out, can the police and the prosecutor be held accountable?

A discharge means the court did NOT find evidence to even frame a charge so that a trial could occurr. An acquittal is AFTER a trial which commences with framing of charges and the accused claiming a trial. A discharge therefore means that a trial was rendered unnecessary because the investigators had nothing that merited a trial.

@aakash_rewari @LVNilesh Kanha National Park, Mahakal at Ujjain, Omkareshwar

@LVNilesh Khajuraho? Panna tiger reserv? Satpura

Nothing much, except maybe poha It’s mid pradesh