Understanding the Term Insurance

Living a good and comfortable lifestyle is everybody’s dream. Be it buying a car, building your home, or planning a vacation, term insurance is all you need to make your dreams come true. Let your insurance policy makers manage your medical care, and you live a healthy life in return. Term insurance policies offer you both short and long term options. So you can decide your insurance policy according to your needs.

Insurance Policy: The Long and Short of it

For those seeking health care fund or retirement planning, a long term insurance policy is the best decision one can make. There are certain things you need to know before booking a long-term insurer. Make sure you conduct a thorough investigation on the financial stability of the insurer. Check out the insurance premium investment conditions of the insurer. These terms and conditions would ensure whether you could afford the monthly premiums.

If you go for a short term insurance, the benefits are many. You not only obtain an insurance policy for a cheaper rate, it also saves you a lot of time. Temporary insurance policies are easy to get, and they require less paper work. You can avail a short-term coverage for almost any kind of needs from shopping and health care to student expenditure. Long or short term insurance, your life is special and it always deserves a better treatment anyway.

A Heart-to-heart Chat with "Me"

I: Hey, here comes the nocturnal creature! what's up with you?
Me: Nothing great, same old story. Phoenix born and reborn as usual...
I: Which way this time?
Me: On the bank of the endless river...
I: Ohh, life?
Me: No, love
I: Well, what's the difference?
Me: Just like day and night
I: So your dreams being shattered?
Me: I rebuilt them
I: Sounds good
Me: It's great
I: You happy now?
Me: It never felt greater before
I: Aha, seems you're about to fly your dreams
Me: No, I ride them
I: Okay, roots spreading stronger?
Me: Deeper in to the earth
I: How about flirting with the stars?
Me: They are my eyes
I: Sippin' through your heart?
Me: Umm, Smirnoff sounds familiar...
I: What about the sun and the moon?
Me: My true companions
I: Game for tea?
Me: Coffee is the all-time hit
I: How about your nocturnal dos?
Me: Black Sheep Clan walks with midnight hues...

This is how the endless tete-a-tete goes with "me"...beyond all ages, all dreams, all limits. Do you talk to "you"?

A Dirty Scar

This is about a girl I know. A simpleton at heart, her honesty shines brighter than the sun. And her heart purer than gold. She met a guy, fell in love and life started singing a beautiful note, untill it took an ugly turn...

She loves the sky. Maybe that's why there're stars twinkling in her eyes. She loves the color of the rainbow. She believes, true colors never fail to shine. Her heart dances to the tune of raindrops. There are dreams in her eyes, dreams that she knows she can let come true. What makes her look so beautiful? Her honesty. After all, it earned her some of the best jewels as her friends. She's sincere with her friends. She treasures her friendship. She thinks beautiful, that's how life is beautiful.

Then she met him. She had a new dream. Everytime he came in to her mind, the world around her seemed lovely. Love gave her a totally different meaning. He's so caring. He understands her problems. Feelings he shares with her are so full of life. Sometimes she thinks she'll go crazy, she can't handle so much love. Does he feel the same way?

The sun seems to shine bright and high, unaffected and unemotional to the feelings studded mortals. It's 3.30 in the afternoon. Gosh I can't read any more in this scorching heat. Who can bear it? But I don't mind a little evesdropping...

He: "Give me some idea man. I've already spent enough"
Friend: "Beta you have to spend something if you are lookin' for something"
He: "Arrange a room for me yaar"
Friend: "Monday ko mera room le le. I can give you that. After you, I'll also make a try if possible..."
He: "But I don't think she'll agree"
Friend: "She considers me as a good friend and trusts me a lot. I don't think she'll mind"
"And start keeping condom with you now :-)
you can need it anytime"
He: "Okay"
Friend: "Is this her first time as well?"
He: "No, she is experienced"
Friend: "Aren't you gonna do everything with her if you got the chance?"
He: "Of course"
Friend: "So don't worry just make her excited and then see what she can do to you
She will she will rock you!!!"

All this while, she was busy dreaming about him. His simplicity made her fall for him. His honest confessions about love sound so true! She still dreams, worships his love, being totally unaware of his evil intentions. And of her friend's ugly instincts.

Friends, don't you think she deserves a better guy? And a far better friend? What should be the punishment for betrayal of friendship? What about love? Will anyone teach those guys a lesson on relationship? Or maybe teaching is a far cry. I believe in God. In honesty of feelings. WHAT GOES FROM YOU COMES BACK TO YOU ONE DAY. Right now, I'm rushing to the girl. Honesty prevails and true colors never fail to shine. I must tell her this.

All That Matters is You and Me

Me the insomniac: Okay. Sounds not so impressive. But I'm cool with it. I'm among the restless nocturnal species. Late night party hoppers. Courtesy, my evergreen Ganga Dhaba (is anyone asking for its location??). My day starts with midnight stroke. Over a hot cuppa (a different concept though). And the endless discussions with my fellow Black Sheep Clan members (if we meet, I promise to introduce them to you!!). India shines left-right-centre ways. Unemployment, king of the castle. Chemical Brothers or Tenacious D, System of a Down is simply unbeatable. Student life zindaabaad!!!

Me the movie buff: Thanks to Sunny. Gosh I hardly afford to miss any!! Katrina looks cute but Shahrukh rocks. Inside the movie hall, my little world imagines, dreams, dances and sings. Outside, it shades a tear or two, for the broken hearts, broken dreams. Ichi cries too. But Sin City heals. The real world moves on. So do I.

Me the bookworm: Imagine yourself in the sea of books. Cowboy romance or call centre flicks. Soul inspiring or self invoking. Old classics or Hinglish types. Thriller sounds better, but adventure rebounds. I'm game for an eternal dive in this sea (remember, it's paperback edition).

Me the dreamer: I dream, I live. And I dream. Passions never die. No, I never try to kill them either. I let them fly high, fly far. But not beyond my sight. After all, dreams are for keeps. And then they come true! Believe in them, live them.

Me the phoenix: Here comes the Insomnized Phoenix. I live and relive. Born and reborn every moment. Out of my dreams, my hopes, my passions. Every day starts with bright sunshine. Every night brings down a sky-full of dreams. That's why there are stars in my twinkling eyes.

Can you see the sparks? Do you identify with any of these silhouetted "Me"s? If you do, we are meant to be friends now and for the times to come. And if you don't, still I extend my heart for your friendship. Life's so small, but true friendship lasts it and beyond.

Everyday is Friendship Day. Need any more say? Add some comments please!

For a Sunny Heart

(It's dinner time now, but I'v something else in my mind...or rather someone)

Let Me Love You in My Own Ways


Let me love you in my own ways
If I promise you a handful of stars
Will you gift me your starry gaze?
'Coz my happiness is secured
In the mysterious laughter of your eyes.

If I bind all the colours of spring
Together in one silhouetted sheet
Will you then offer me a smile?
'Coz my life starts smiling only
Through those honeydewed lips.

If I ask you to spread the sky
Will you come to me with your open arms?
'Coz that's where I sleep peacefully.

Come to me. Hold me up by your arms
Let me feel the sweetness of life
Cornered tidily in your eyes.
Let me enjoy the moonlit night
Folded carefully in your arms.
Let me stop for a moment
And say hi to life by touching your lips.
Let me reborn and rejoice once again
Let me love you in my own ways.

Life on a Cool Monday: Death of a Dream

Following are the anecdotes of my daily routine, collected from yesterday's fresh green page of my diary.

6.40am: Teriyaki Boyz screaming on top. My cell phone's ringing volume can't get any higher. Time to get out of my ever-tempting bed.

7.30am: Tell him to switch off the iPod. Enough playing with Apple and his workouts. Office hour's calling fast.

8.10am: My cab's waiting outside the gate. The iPod comes to my possession now. My knight in shining armor is gonna save me from the traffic hustles. At least there'll be peace for 30 minutes.

9am: Same boring place – my work station. Oh Techno Lords, save me from this mortal-manned hell. I know I have to struggle a full 9 hours slot. Struggle for survival. The Lords responded. My recreation – G Talk. Finally peace again! Although temporary.

1pm: Lunch time! Rats already started playing hide-and-seek inside my unreasoning belly. The sweet dish? His sweet nothings over my cell phone.

6.10pm: I'm rushing back to my ever-tempting bed. No time for the world.

10.30pm: Such a nice day I had! (What's new, I hardly realize. But what's wrong in thinking that way?) My regular time to meet buddies. I'm quite punctual in that. Thank you Orkut. G Talk is on again. Techno Lords reciprocate their worshippers' prayers.

12.45am: Good night, sweetheart. Sleep tight. Teriyaki Boyz will sing out loud again. iPod will accompany me through unavoidable road-pangs. And G Talk will stand by me, in every hectic minute.

This is how I'm living my life these days. Office, home, Internet, bed. The road never goes offside. Life goes full circle. All day long. All night through. Where's the time to dream?