Author: Naresh Saini

Warren Buffett, one of the world’s richest and most respected investors, has announced that he will step down as the CEO of Berkshire Hathaway by the end of 2025. This major decision came during the company’s annual shareholders’ meeting held in Omaha. Buffett, now 94, has confirmed that Greg Abel will take over as his successor. Abel has worked closely with Buffett for years and was already seen as the natural choice to lead the company forward. This announcement didn’t come as a shock to industry experts, but it certainly marks the end of an era. Buffett has served as…

Many working professionals in India think about retiring early, especially after a long or stressful day at work. The idea of enjoying a peaceful life by 50 or even 45 sounds great. But the truth is, retiring early is not just about quitting your job—it’s about managing money smartly for the next 30–40 years. If you’re in your early 30s and dream of stepping away from work by age 50, you still have time to make this dream a reality. But you need a strong financial plan to support it. Let’s understand how much you need, what steps to follow,…

Digital payments through UPI (Unified Payments Interface) have become a big part of everyday life in India. But with the ease of sending money quickly comes the risk of sending it to the wrong UPI ID. A small typing mistake can lead to a major headache. However, if you act fast and follow the right process, you can still recover your money. Take These Steps Immediately After Sending Money to the Wrong UPI The moment you realise that the money has gone to the wrong UPI address, do not panic. First, take a screenshot of the transaction. This acts as…

Online scams and identity theft are increasing every day. One of the most targeted documents by fraudsters is your Aadhaar card. From mobile connections to banking services, Aadhaar is used everywhere. If it falls into the wrong hands, you could face serious problems, including legal issues or fraud in your name. But the good news is, you can easily check if someone is misusing your Aadhaar. The UIDAI (Unique Identification Authority of India) provides a free and simple online service that helps you stay aware and alert. Why Aadhaar Misuse Is a Serious Concern Today Aadhaar is now linked to…

When it comes to safe investments, most Indian families rely heavily on Fixed Deposits (FDs). But in recent years, especially with changing tax rules and market awareness, many investors are shifting towards Debt Mutual Funds as an alternative. Both offer relatively low risk, but they work differently. This article gives you a detailed, honest comparison of FD vs Debt Funds for 2025, focusing on returns, liquidity, taxation, safety, and suitability for different goals. What Are Fixed Deposits? Fixed Deposits (FDs) are time-bound investment products offered by banks and NBFCs. You invest a lump sum for a fixed period, and the…

Most salaried employees in India receive group health insurance coverage from their employers. It feels like a bonus—one less thing to worry about. But here’s a critical question: Is it wise to depend only on your company’s group health insurance? The simple answer is no. While group health policies offer a layer of protection, they are not enough in the long run. Life changes, and so do jobs, employers, and health conditions. You need coverage that is stable, customisable, and stays with you. That’s where individual health insurance comes in. In this article, we’ll explain in clear and straightforward terms…

Medical costs in India are rising faster than most people’s income. A single hospital bill for surgery, ICU, or maternity care can leave families with empty savings or in debt. That’s why buying the right health insurance plan for your family is no longer a luxury—it’s a must. If you are confused by too many health policy ads and can’t decide which plan is good, don’t worry. This practical and straightforward guide will help you understand how to choose the best health insurance for your family without any stress or confusion. 🩺 Understand Your Family’s Health Needs First Before looking…

In today’s job market, where companies are cutting costs and reducing new hiring, internal promotions are becoming more common. Many organizations prefer promoting current employees over hiring new ones. It saves training time, ensures cultural fit, and keeps good performers engaged. If you also want to grow within your current company without switching jobs, you need to do more than work hard. You have to plan your career move smartly. Let’s understand how you can prepare yourself for the next big promotion while staying in the same company. Understand If You’re Ready to Get Promoted The first step is knowing…

The Central Government Health Scheme (CGHS), which provides health benefits to central government employees, pensioners, and their families, has stopped using its old website. On 28 April 2025, CGHS started a new digital platform called the Health Management Information System (HMIS). This system is expected to improve user experience and make all health-related services more efficient. The CGHS is key to the Ministry of Health and Family Welfare’s health service delivery. The earlier software system, which had been used since 2005, has now been entirely replaced. Officials said the earlier platform was outdated and could not match today’s digital standards…

Travel has become more than just a hobby. For many, it’s a way to relax, explore new cultures, or take a break from daily stress. After the COVID-19 pandemic, travel demand has increased across India. People travel more than ever, whether it’s a family vacation to a hill station, a solo Europe trip, or a business tour. But what most travellers forget in the excitement of planning is travel insurance. While people often buy life or health insurance, they overlook this important financial protection. Travel insurance might not seem necessary until something goes wrong on your trip — and that’s…