Monday, August 29, 2011

Lose Weight Forever with these tips

Be it a man or woman, or even a kid or a teen, weight loss is the daddy of all the resolutions. We all make it every time when we see ourselves in the mirror! However, the problem faced by most of us is that the lost weight has an uncanny ability to bounce back, hence we all are on the look out of a plan that’s foolproof. Keep reading:

What should you eat

Recommended Foods: Fresh fruit, green vegetables, oatmeal, brown rice, quinoa, whole wheat pasta, legumes, sweet potato, eggs, fish, shrimp, poultry, beef, buffalo, whey protein, walnuts, cashews, peanut butter, avocado, olives, herbs and spices, etc.

Exercise Recommendations: Regular exercise, be it gym, yoga, meditation, aerobics, dance or anything, is an essential component to shed off weight forever. It is advised to undertake both cardiovascular exercise and resistance training four to five days a week. High intensity interval training is recommended to boost fat loss when experiencing a plateau.

5 Essential changes in your eating habits

1. Include fruits in your menu but have it in the morning or after breakfast.

2. Include more healthy fibre rich carbohydrates in your meal and keep processed foods like biscuits, cakes, pastries to a minimum.

3. Eat frequently. Don’t go hungry for a long period as it may disturb you blood sugar level and can make you fatigue.

4. Eat a multivitamin to offset nutritional deficiencies. Micro nutrients like zinc, copper, manganese and magnesium are needed to help your body function normally. Given our lifestyle and the soil in which crops are grown we need an insurance against nutritional deficiencies. Incorporate healthy foods like curd, paneer in your meal pan.

5. Most important, don’t go for late dinner as it makes you sluggish, bloated and helps you put on weight.

Sample Diet Plan for the Obese:

Breakfast: Poha/upma/dalia/sprouts chat/bread toast/scrambled eggs and onions

Morning Snack: Munch seasonal fruit salad

Lunch: 2 roti+1 bowl green & leafy veggies+1 bowl dal+salad (roasted chicken or steamed fish once in a week)

Afternoon Snack: 2 biscuits/ roasted chana/ crack nuts

Dinner: Make it light. 1 roti + 1 bowl only green vegetable/ a whole bowl of pressured cooked bottle guard in a drop of oil and green chilly.

Post dinner: 1 cup of milk

Follow the suggested tips and experience how you lose your extra flabs with ease and also keep it off.

Wednesday, August 17, 2011

Friday, August 12, 2011


Greetings from the Innovative Realtors

The Best Investment opportunity in Gurgaon ...


BPTP LTD. launching soon their NEW TOWNSHIP IN 17 acres in sector 37D. GURGAON NEAR DWARKA EXPRESS WAY

Below are the details-
Sizes: 3 Bed= 1500 Sq Ft and 4 Bed= 1900 Sq Ft


Cheque amount: 4 Lacs / 5Lacs. in favour of "BPTP LTD."

Innovative Realtors is one of the most efficient REAL ESTATE consulting firm in GURGAON. We deal in industry best real estate developers projects like BPTP, ERA, CHINTELS, SOBHA, SPIRE WORLD, ANSAL API, Siddhartha, Tulip, ABW, Clarion, DLF, Vatika, Bestech, Uppal etc.


Innovative Realtors
9350860023 Naveen Gupta






Jeevan Saral

Product Summary:
This is an Endowment Assurance plan where the proposer has simply to choose the amount and mode of premium payment. The plan provides financial protection against death throughout the term of the plan. The death benefit is directly related to the premiums paid. The Maturity Sum Assured depends on the age at entry of the life to be assured and is payable on survival to the end of the policy term. It also offers the flexibility of term and a lot of liquidity.
Premiums:Premiums are payable yearly, half-yearly, quarterly, or monthly through salary deductions as opted by you throughout the term of the policy or till earlier death.
Loyalty Additions:
This is a with-profits plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of loyalty additions which are terminal bonuses payable along with death benefit or maturity benefit. Loyalty Additions may be payable from the 10th year onwards depending upon the experience of the Corporation.
Death Benefit:
250 times the monthly premium together with loyalty additions, if any, and return of premiums excluding first year premiums and extra/rider premium, if any, is payable in lump sum on death of the life assured during the term of the policy.
Maturity Benefit:The Maturity Sum Assured plus Loyalty additions, if any, is payable in a lump sum.
Supplementary/Extra Benefits:
These are the optional benefits that can be added to your basic plan for extra protection/option. An additional premium is required to be paid for these benefits.
Surrender Value:
Buying a life insurance contract is a long-term commitment. However, surrender values are available on earlier termination of the contract. The surrender value will be the greater of the guaranteed surrender value and special surrender. The plan also allows for partial surrenders.
Guaranteed Surrender Value:
The policy can be surrendered after it has been in force for at least 3 full years. The Guaranteed Surrender value will be equal to 30% of the total amount of premiums paid excluding the premiums for the first year and all the extra premiums and premiums for accident benefit / term rider.Special Surrender Value:
80% of Maturity Sum Assured if 3 or more years’ but less than 4 years’ premiums have been paid; 90% of the Maturity Sum Assured, if 4 or more years’ but less than 5 years’ premiums have been paid and 100% of the Maturity Sum Assured, if 5 or more years’ premiums have been paid. The Maturity Sum Assured for this para will be the Maturity Sum Assured corresponding to the term for which premiums have been paid under the policy.
Corporation’s policy on surrenders:
In practice, the Corporation will pay a Special Surrender Value – which is usually higher than the Guaranteed Surrender Value. This value will depend on the duration for which premiums have been paid and the policy duration at the date of surrender. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total premium paid.The Corporation reviews the surrender value payable under its plans from time to time depending on the economic environment, experience and other factors.
Note: The above is the product summary giving the key features of the plan. This is for illustrative purpose only. This does not represent a contract and for details please refer to your policy document.

Naveen Gupta