Preparing for the Uncertain with a Term Plan


We live in a world where life is very uncertain; we cannot possibly predict accidents, natural calamities or a sudden deterioration in health leading to death. Therefore concerns about how our family will survive without us rise up.

To ensure that our loved ones do not face hardships in their life without us, we should have a backup plan to ensure that they are financially secure in the future and that they do not have to ask for any help or take out a loan.

We are aware of life insurance and how to get a guaranteed life coverage, but let us explore what an online term plan life insurance has to offer:

  • A better edge in understanding
  • The time to choose the right option
  • The convenience of staying at home
  • Involving family members to make the right decision, because at the end they should also know you care for them

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Recently, a friend, who works in a financial consultancy services told me about a term plan by  Max Life Insurance, now the benefits of Max Life  Online Term Plan are many, the ones mentioned by him are:

  1. You get complete sum of amount during the term of the plan
  2. You get extra protection with Max Life Comprehensive Accident Benefit Rider*
  3. Waiver of all future premium, in case of dismemberment or diagnosis of critical illness or death** of policy holder through Max life waiver of premium plus rider
  4. Quick, easy and user friendly online application process, cutting down on paperwork
  5. Some extra benefits if you have a healthy lifestyle, they have low premium rates for Non Smokers
  6. You can choose between three options based on your family’s situation in life, death benefits can be shared:
  7. As a Lump Sun
  8. A lump sum with monthly payments
  9. A lump sum with increasing monthly payments

*For more details on the rider and the various terms and conditions, please refer to the rider brochure.

** Death only in case when policy holder and life insured are different.

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Sample Illustration of scenario if chosen death benefit options:

Suppose Mr. Gupta, aged 28 years, opts for an 80 Lac for 25 years under Max Life Online Term plan with an annual premium of Rs. 6,500.

Though Mr. Gupta has term insurance of 25 years, by after paying 8 premiums, unfortunately Mr. Gupta dies.

So if Mr. Gupta has chosen the death benefit option, then his nominee will get Rs.80 Lacs upon death and the policy will terminate.

Though I wish that we all live our full and complete lives, but we should also be thoughtful and plan for the unexpected, dealing with uncertainty with an online term plan is always a smarter choice. #MaxLifeTermPlan

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Indian Digital Media Awards 2016


87“An Award is a milestone of excellence, to celebrate the achievement and create a benchmark for innovation and competition, to refine and create a platform for better tomorrow in a specific genre or field of expertise”.

Digital Media has taken a sharp upward curve in terms of using it as a tool to market products and services, talking about marketing your brand in Digital space, Digital Media play a significant role in shaping a brand’s identity online, apart from being the bridge to connect the brand to the targeted audience.

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Considering the immense talent these Digital Media group have, Digital Media Awards was born and to commence  these award an initiative was taken by E4M (Exchange for Media) in 2011 and since they have continued the process of short listing best of the best for the last 6 years with entries increasing year after year.

E4M (Exchange for Media) – Indian digital Media Awards – 2016 was presented by Jagran.com and powered by manoramaonline and ABP LIVE – abplive.in along with blogging partner blogmint.com, facilitating the digital Media agency for their excellence in spearheading the Online Media Campaigns and for brands to reach their target audience and be on the pinnacle of digital media ocean along with their competition.

It was a pleasant night at St Regis Hotel, Mumbai, where the Award Night was held on 17th June 2016, this was the seventh Edition of the IDM (Indian Digital Marketers) Awards 2016.

The night started off with a Welcome speech by Editor in Chief and Chairman of Exchange4Media Group and also of BusinessWorld Group Mr. Anurag Batra. In the welcome speech Mr. Anurag mentioned about the inception of the IDMA awards back in 2011 and how the entries increased from 200 in 2011 to 900 in 2016.

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Mr Anurag thanked the JURY MEMBERS which included 12 screening jury members and 12 jury members in the jury chair. Mr Anurag said that the shortlisted agencies are the ones who are effective suppliers of quality content rather than just providers of services or marketing tool. Mr Anurag also shared his views on the recent reports by Columbus Ohio SEO experts and of Mary Meeker, an American venture capitalist, stating from her report that 2 things got the attention, 1) On her opening slide she shares how India is the second largest Digital Market USER  replacing the US and just behind  China and 2) Thou spends on Digital Market in India is roughly about 5 to 10% in the report but these figures are going to change and will increase to 20% in the coming few years and playing a significant part he added will be people in this room, the agencies and Entrepreneur, continuing the talk he mentioned how digital media is becoming the number one choice for brand marketers not only with small but with big budgets also.

Concluding the speech Mr Anurag again thanked the Jury for giving their valuable inputs and short listing the winners, team Exchange4Media lead by Ms. Suparnaa Chadda and all the sponsors for showing their support.

Panel discussion:

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Key discussion points:

Topic: How is Digital Marketing Shaping Business Outcome?

* Can digital media become the only source of marketing in future?

* How a marketer currently considers the budget share for digital

* Data measurement & business outcome i.e. how to move the needle from awareness to consideration to purchase

The Panel discussion was moderated by Mr. Ranjoy Dey – Head of Digital, Havas Media, along with other elite speakers:

Mr. Amitabh Tapadad – Brand Head at Bajaj Electricals

Mrs. Anuradha Agarwal – Chief Marketing Officer at Marico

Mr. Siddharth Banerjee – Sr. Vice President Marketing – Vodafone

Mr.Somnath Kedia – Business head IFB Industries

Representation from Flipkart Ads as well

Presnetation by WittyFeed

Mr. Vinay Singhal Co-founder and COO of WittyFeed spoke aobut decoding Viral Content.

Some of the key points discussed were:

  • Thumbnail and title of any story or article is very crucial, it has to be catchy and should be appealing for catching the audience attention.
  • Generating Curiosity and make it clickable.
  • Emotions make the content shareable.
  • The cycle of Virality
  • Getting content viral is not by chance, it is pure art. It can be controlled and one can always pursue for perfection.
  • The secret sauce is SEEDING, discover of the content – reaching out to the user where they are.

Finally the Awards trumpet

Sharing the list of Winners of the Digital Media Awards 2016
  Entry Name Entrant Name
A. WEB
A.1 Best Banners – Single / Campaign
1 Parachute Advansed Aromatherapy Oil – Slowdown Zindagi Madison Media
A.2 Best Banners – Rich Media with or without video
1 Airtel India – World’s Largest Single Day Sampling Exercise ibs
2 Microsoft Lumia – Lumia 950, 950XL Isobar DAN Empower
3 Cadbury Choclairs – Say AAA Madison Media
A.3 Best Benchmark Content / Branded Content
1 Nicotex – The ‘Quit Smoking’ partner for ISL MSix
2 Kellogg’s – Mission Interception : Kellogg’s Wale Guptaji ki Family Mindshare India
3 AXN India – The Longest UGC Driven Fan made video Tonic Media Digital Pvt Ltd
4 Nivea Men Body Deodorizer – #BanBodyOdour DigitasLBi India
A.4 Best Website / Microsite
1 BankBazaar.com BankBazaar.com
2 Mahindra: Thar Website Interactive Avenues Pvt Ltd
A.5 Best Use of Web Based Games
1 Cadbury Choclairs – Say AAA Madison Media
A.6 Best Campaign – Online Advertising
1 McDonald’s India – Battle of Spicy Tonic Media Digital Pvt Ltd
2 Kurkure – Mission Interception – Avenging the extra sweet people this festive season Mindshare India
3 Pernod Ricard India – We didn’t launch our product to the people, we got people to launch our product! Maxus India
A.7 Best Digital Direct Response Campaign
1 Colors – Bigg Boss Double Trouble Viacom 18 Media Pvt Ltd
2 Coca Cola India – Coke Wishes Interactive Avenues Pvt Ltd
3 Grant’s Whisky – The Awesome Job You Can’t Apply For SapientNitro
B. MOBILE and TABLETS
B.2 Best App Developed – Products / Services / Corporate
1 Lakme Makeup Pro App The Glitch
2 Trails of India Pulp Strategy Communications Pvt Ltd
B.5 Strongest Community Engagement
1 Coca Cola India – Coke Wishes Interactive Avenues Pvt Ltd
2 Kinderjoy Story Station OMD India
3 AXN India – The Longest UGC Driven Fan made video Tonic Media Digital Pvt Ltd
B.6 Best Innovation in Mobile Marketing
1 Kinderjoy Story Station OMD India
2 Lakme Makeup Pro PHD
3 Active Wheel – Lo Kar Lo Baat PHD
B.7 Best Campaign- Use of Mobile
1 Stayfree Stay Ahead Helpline OMD India
2 Rin Career Ready Academy PHD
C. SOCIAL MEDIA
C.1 Best Use of Social Networks
1 Coca Cola India – Coke Wishes Interactive Avenues Pvt Ltd
2 MTV India – One Plus MTV Insider Viacom 18 Media Pvt Ltd
3 Protinex Dubsmash Challenge Gozoop Online Pvt Ltd
C.2 Best use of Blogs
1 Aditya Birla Group: Liva Fluid Fashion – #UnboxWithLiva Tonic Media Digital Pvt Ltd
C.3 Best use of Videos
1 Star Sports – Mauka Mauka Star India Pvt Ltd
2 Anouk – Bold is Beautiful Video Campaign Isobar India
3 Dance + YouTube 360 Degree Video STAR Plus
4 Maggi – #WeMissYouToo Performics
C.4 Most Effective Social Listening
1 Colors – Bigg Boss Double Trouble Viacom 18 Media Pvt Ltd
2 Kurkure – Mission Interception – Avenging the extra sweet people this festive season Mindshare India
C.5 Most Effective Use of Digital Analytics
1 IBM India – Score with data Mindshare India
2 Airtel Money – Break the Clutter Performics
D. SEARCH and PPC CAMPAIGNS
D.1 Best SEO for website / universal search ranking
1 4x Growth In Unique Visitors Through SEO Optimization BankBazaar.com
2 Maggi Noodles – Reclaiming Maggi’s Reputation with a far-reaching content strategy Maxus India
3 Apollo – eDoc iProspect
D.2 Best PPC
1 Franklin Templeton – iSync iProspect
2 Tata Housing – India’s First Social Sell Through Facebook FCB Ulka Digital
D.3 Best SEM Strategy
1 USL Diageo – How a spirits brand got high on search Mindshare India
2 The Economist Interactive Avenues Pvt Ltd
E. SPECIAL AWARDS
E.1 Best Integrated Media Campaign – Product/ Services
1 Pepsi – When Consumers became Co-marketers (How the Pepsi roar scorched the Indian summer) Mindshare India
E.2 Best Integrated Media Campaign – Corporate
1 Standard Chartered Bank – The world’s first marathon that was run physically, virtually and socially ibs
2 MRF Tyres – MRF Rain Day Experience Commerce
E.3 Best Integrated Media Campaign – Social Cause
1 Dettol Banega Swachh India NDTV Limited
2 Pradhan Mantri Kaushal Vikas Yojana (PMKVY)- A Call for Skill Development netCORE Solutions Pvt Ltd
E.4 Best Integrated Media Campaign – Films / TV Shows / News Shows / Events
1 MTV India – Ceat MTV Chase The Monsoon 3 Viacom 18 Media Pvt Ltd
2 Kinderjoy Story Station OMD India
3 Standard Chartered Bank – The world’s first marathon that was run physically, virtually and socially ibs
E.5 Best Video Advertising – Content
1 Tetley Green Tea – The Transformation Series Maxus India
2 Kotak Securities – Agar Magar Ke Aage Profit Hai SMG Convonix
E.6 Best use of Native Advertising
1 Hero MotoCorp – Terribly Tiny Tales bring out the stories of a girl child. Maxus India
2 Nicotex – #UQuitIQuit – Making Quitting Social MSix
E.7 Campaign with the Best ROI
1 McDonald’s India – Battle of Spicy Tonic Media Digital Pvt Ltd
2 Airtel India – How airtel used digital to launch 4G in India ibs
3 The Economist Interactive Avenues Pvt Ltd
E.8 Best Digital Innovation
1 Dance + YouTube 360 Degree Video STAR Plus
2 Airtel Jaipur Literature Festival – World’s first teleportation at an event ibs
3 Trails of India Pulp Strategy Communications Pvt Ltd
E.9 Best Use of Technology
1 Lakme Makeup Pro PHD
2 Kotak Mahindra Bank – How hashtag banking made kotak the face of digital banking in india ibs
3 Kinderjoy Story Station OMD India
E.10 IDMA 2016 Person of the Year
Vijay Shekhar Sharma, One97 Communications and Paytm
F.1 Best Digital and Social Media Advertiser
Viacom 18 Media Pvt Ltd
F.2 Best Advertiser on Mobile
Hindustan Unilever Ltd
F.3 Best Digital and Social Media Agency of the Year
Mindshare India
F.4 Best Mobile Media Agency of the year
OMD India

 

Revolutionize Banking with DBS Bank


Banking globally has seen remarkable and significant turnaround when we talk about how banking is done these days, especially in this era of technology. I am myself a digital banker when it comes to core banking like money transfer thought IMPS or RTGS, atm withdrawal, issuing of account statement or maybe paying my bills. Now that everything is online and on the go, why waste time visiting the bank and waiting in long queue, when you are provided with the same service through online banking or app based banking.

On a contrary, one fine day, you decide to open a bank account to secure your hard earn money or save for you dream vacation, car or maybe a house, and once you know of the paper work and hassle involved in opening an account, you start to think otherwise, why is that so? I feel that in India to what I know and through past experiences, opening a bank account is not that easy, considering the technological advances, banking in India still lacks in adopting the technological advances when it comes to the KYC (Know your customer) process. For instance in a typical situation if you want to open an account, you will require to:

  • Fill a good 4 page form
  • 2 photos
  • 1 photo identity
  • pan card copy
  • 1 residential proof

So in all, a good time is occupied in doing all the formalities and paperwork, which can be fast tracked through loads of different technological advances which are adopted by other Asian countries.

Guess what! Recently I was searching for a Bank where I can open an account which had “no minimum balance maintenance” quarterly charges, and had all the banking core services included at no extra cost, though it was long struggle to find any, finally I came across DBS Bank, yes!

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DBS Bank  which is  Singapore’s best, Asia’s Safest titled, has been in the banking industry for around 4 decades and it has evolved with time and been adopting future ready banking technology with times.

With DBS bank’s new digibank program, opening “no minimum balance maintenance account” is possible, apart from that the star feature of DBS Digibank is that you can open a saving accounts hassle free and conveniently from where you are, the first step involves registering for the DBS e-wallet, now what this e-wallet does is makes paying much more easier, may it be phone/electricity bills to making a recharge to online shopping. After the e-wallet registration you can convert you e-wallet into a digital account without paperwork or signatures! Yes, you heard me right  for authentication   all you need is your Aadhaar no., PAN CARD and biometric for authentication, after that visit one of their many partner stores or call them to meet you at a place of your convenience.  It truly is a live more, Bank Less moment, once you have completed the simple process and start enjoying the bounty of banking services which they have to offer.

Digor the Dinosaurs (which is the DBS digibank Mascot)  survived extinction and embraced digibank by DBS Bank, which not only allows him to bank virtually 24X7, it also provides many bounties like 7% interest on saving a/c and host of freebies and coupons for online shopping sites.

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Apart from that we will be seeing our own legendary cricketer Sachin Tendulkar associated as brand champion with DBS Bank’s Digibanking program.

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A significant top up in security is their feature where no OTP (One time password) is required, thou   a better security is assured which is powered by automated authentication, safer than OTPs. So rest assured, the money is in safe hands.

To add some topping to all the above, they are also offering a 7% interest on saving and 10% cashback on shopping from a wide range of online merchants.

Simplify Home Decor Shopping Online


Lately, I had a wonderful experience doing something I would normally avoid, shopping for home decor & essentials, yes you heard me right, the experience I will share will entice you to go that extra mile and start shopping for all your home decor & essentials, let’s get started:

Mom for many days was telling me about this gap at the bottom of the bedroom doors, these tiny space were causing a lot of problem for her and she was thinking I could get a hack to fix it or maybe get some professional help, I tried the first option by trying out myself, I got a cardboard, cut it specifically to the length and fixed it to the door with a masking tape, problem solved isn’t it! No, Mom came up to me and told its not holding on and the cardboard is getting scratched every time she closes and opens the door which causes a noisy sound and this was leading to shrinking of the cardboard from the bottom.

Ok, so the DIY (Do it yourself) didn’t work, so I thought lets search online and find out if there is any product of that sort in the market, while searching on the internet, I came across this website Deco home , and guess what, I found the product I was looking for, just for confirmation I went up-to my Mom and showed the images of door seals we were looking for, Mom wDeco Home- Door seal ivory price 499as happy to find the right fix, she also found home essential stuff such as decorative wall shelves which we wanted for so long, decorative pillows , decorative cushion covers and more priced at reasonable rates from the website, she was impressed with the collection and for a change I also helped here out in finding the right home essentials to suit our home needs according to the decor we have. Satisfied with the end product Mom has decided that she will be shopping smart from now when it comes to Home Décor, many of her friends have made up a group and now discusses about the website and their offering and discount.

decowindow bedding Moss price 7,999

I hope this might have encouraged if not convinced you to start the search for home decor and essentials with Deco home, a cosy website made to fulfill all your home decor needs with its wide range and reasonable pricing all at the convenience of a click from the mobile, PC or laptop away.

Get Set TV on the GO


The world knows that we Indian are TV fanatics.Saas Bahu serials or 24X7 news, so many other entertainment shows are running across the idiot box with over hundreds of channels to choose from.When does one get time to watch such interesting and amazing stuff?We can’t carry our TV sets everywhere, can we? So what is the solution?

Recently, it was surveyed that India is the second largest consumer of mobile internet in Asia with a whopping increase from 5,000,000 to 243,000,000 internet user in 15 odd years.The growth has been phenomenal, sounds interesting, doesn’t it?(stats:- Click Here ).

TV on the go is what we all aspire. Now it’s made possible by Digivive team with a revolutionary Live TV mobile app called nexGTV.The app has preloaded channel such as Sony LIV, Color HD, Sony MAX, AAJ TAK, Sony SAB to name a few, out of which many are free.On the other hand, many prime time shows are accessible at a monthly subscription plan and a la carte options. Other features in the app include on demand category for quick view of latest and trending videos on Internet and TV.Besides, there is a tab for setting up quick access to your favorite shows.Well categorization of Channels and conveniently placed option button makes for a nice user experience.

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nexGTV is available on android playstore and apple app Store among others and is compatible with all shape and size smart-phones, tablets and PCs.What’s more?It has loads of amazing features:

Here’s the list:

• Search for content by genre and language
• Recently Added Advanced Search functionality
• Integrated Electronic Program Guide (EPG) of one week for all channels
• Social connect by sharing via Facebook and Twitter
• Browse through channels, adjust volume, zoom out while streaming
• Picture-in-Picture mode for Quick-Switch between channels
• Adaptive bit rate streaming to auto adjust the video quality as per network bandwidth

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Not just restricted to online live TV app, Digivive also provides other services such as gaming portal with over 100 different varieties of games,and utility services for bill payments, movie tickets, flight information, and checking show timings.