Keep Them Safe; Tomorrow is Never Promised.

Tomorrow is never promised. In this uncertain journey called ‘life’, take every possible measure you could to protect your family’s future and everyone you care about. In an unfortunate situation, life insurance would be the bridge that your family and loved ones could use to cross over without any fear or uncertainties.

You could lose everything you’ve built, loved and worked for in the blink of an eye. But, if you have taken the relevant measures or the necessary steps, funding living expenses in an unfortunate situation until the household regains its financial footing will not be a different task. Life insurance often seem to be way of protection, but this could also be a source of financial stability. In many instance, life insurance can help you to replace your income in an unfortunate situation. Investing on a life insurance with retirement benefits could help you enlighten the golden eve of your life.

In addition to the above mentioned, life insurance can help address other debts your family has that could compromise their financial security, such as credit card debt, a mortgage, or auto loans. A source to provide for your family as well as to plan out the future of your children. A life insurance could greatly influence your child’s future in terms of education, development and growth.

 

Protect your loved ones. Know more about our MyChild, MyLife, MyFund and MyPension Insurance plans to secure the future of your loved ones.

Call us on 011 4 384 384 for more details!

Prevention is Better than Cure: Tips to Prevent Dengue Fever

 

Dengue is on the rise. Protect yourself and your loved ones. Keep your surrounding and the external environment clean. Here are some useful tips.

Tip 01: Turn over empty pots and buckets, so that they do not collect rain water or any form of excess water.  If by any chance, a container that contains water cannot be emptied, make sure to cover it well or seal it.

Tip 02: Ensure to clean out empty flower pots and avoid over watering potted plants. It is advised to not have any excessively collected water around as it acts as breeding ground for the mosquitoes.

Tip 03:  Mosquito repellent is another effective way of protecting yourself and your loved ones. Apply mosquito repellents on all exposed areas, during the day as well as at night on a regular basis to prevent dengue.

Tip 04: Make sure your window and door screens/curtains do not have any opening. If so, block those areas properly to eliminate mosquitoes.

Tip 05: Make sure to sleep under a mosquito net, especially small children as they sleep during the day, hence the chance of mosquito bite is high during this time.

Tip 06: Always cover garbage cans or dustbin when not in use. Don’t let them collect water as these are identified as mosquito breeding places.

Dengue is caused due to the bite of an infected female ‘aedes aegypti’ mosquito, the disease can be fatal if not identified and treated. Once bitten it takes about four to ten days for the symptoms to show. Here are the most common symptoms:

  • High fever
  • Severe headache
  • Pain behind the eyes
  • Nausea and vomiting
  • Swollen glands
  • Muscle and joint pain
  • Skin rash (in some cases)

Protect your family and loved from this dengue. Keep your surrounding environment clean.

Finances and Mental Health: Still a Better Relationship!

It is a common and a well-known fact that financial issues have an impact on an individual’s mental health. In such context, a financial set back would cause a trigger in individuals mental health. Research shows that there’s a clear linkage between an individual’s financial health and the mental health and the amount of debt may serve as a tangible representation of the psychological state of individuals. Such mental health issues may often make it difficult to manage the financial setting of individuals.

Here are some facts which individuals need to look out for:

  • If an individual’s ability to work is affected, there may be a sudden or, possibly, dramatic reduction in the regular income.
  • Difficulties in keeping up with regular financial spending may change over time
  • Individuals may often lose the motivation or the ability to concentrate to keep control of regular finances for several reasons.

Simple and effective ways to strike a good financial balance:

  • Avoid late bill payments or often seeking extensions this could add up stress and often lead to interests and other delayed payments
  • Keep an eye on minimum or missed payments on credit cards
  • Keep a good account on increasing debt from credit cards or loans. Make sure to cut down or avoid any unnecessary loans and other financial gains

Here’s how financial issues could destroy the mental health:

  • Worrying a lot or feeling anxious over money
  • Arguing with loved ones over money
  • Headaches which are cause by stress over money and financial burden
  • The guilt of feeling guilty for spending money on non-essentials

 

To avoid stress, ensure proper management of finances. Here are simple to tips encourage savings and to avoid any stress related to finances.

  • Know your income

It is important to know the exact income for a given month. This could be the monthly fixed income and other variable earnings. Knowing the exact amounts would help individuals to plan out the month as well as to reduce stress

  • Know your regular expenses

It is important to know the regular and frequent expenses. This could be planned out by considering the expenses of the previous month. Some of these could be:

  • Rent
  • Utilities (telephone, cable, Internet, power, water, trash)
  • Groceries
  • Insurance
  • Medications
  • Transportation costs
  • Debt repayments
  • Personal cost
  • Create a budget plan

It is important to create a budget plan considering all the above mentioned details. This plan could be used as the frame for monthly spending.

Read more about this on: https://hnbassuranceblog.com/2016/06/20/painless-ways-to-save/

 

MyFund, another special policy from HNB Assurance to ensure a prosperous tomorrow. This special policy offer benefits such as:

– Accidental life benefits

– Accidental death benefits

– Total permanent disability benefits

– Critical illness benefits

– Family income benefits

– Hospitalization benefits

To know more about this policy and its benefits, contact: HNBA on 011 4 384 384!

Painless Ways to Save

Here are effective ways to save up your earnings.

  • Record Your Expenses

The initial step to have money is by recording all your monthly expenses and monetary transactions. Maintain a written record of every transaction you make despite the values associated. Once recorded, at the end of each month categorize these amounts based on the amounts spent (example: groceries, utility, travelling and mortgage/loans) and analyse and find out if there were any over-spent amounts and the reason behind it.

  • Make a Budget

Once you have a clear idea of your monthly spending pattern and the relevant areas spent, make sure to budget out the upcoming expenses. This will help you to limit any over-spending associated. Ensure to include regular expenses, maintenance and a proportion for any emergency requirements.

  • Plan Your Monthly Savings

Plan a saving scheme based on your monthly earnings. Aim to save at least 10-15% of your monthly income. Consider the saving interest or the benefits/return. Set savings goals such as: an emergency fund, savings for vacation, savings for special events, savings for your family and/or children, savings for education/career growth and retirement.

  • Decide on Your Priorities

Priorities in life may differ from one person to another. The most efficient way to set priorities is by considering your saving goals. If your priorities are based on a long-term requirement such as retirement or a pension schemes looks for options based on long term returns.

  • Watch Your Savings Grow

Check your progress every month. Not only will this help you stick to your personal savings plan, but it also helps you identify and fix problems quickly. With these simple ways to save money, it may even inspire you to save more and hit your goals faster.

MyFund, another special policy from HNB Assurance to ensure a prosperous tomorrow. This special policy offer benefits such as:

– Accidental life benefits

– Accidental death benefits

– Total permanent disability benefits

– Critical illness benefits

– Family income benefits

– Hospitalization benefits

To know more about this policy and its benefits, contact: HNBA on 011 4 384 384!

08 Upcoming Movies

Excited about upcoming movies? Here’s our pick of some great upcoming movies.

  1. Independence Day: Resurgence

Two decades after the first Independence Day invasion, Earth is faced with a new extra-Solar threat. But will mankind’s new space defenses be enough?

Genre: Action, Adventure, Sci-Fi

Cast: Maika Monroe, Joey King, Jeff Goldblum, Liam Hemsworth, Bill Pullman, Vivica A. Fox, William Fichtner

movie 1

  1. The Shallows

A mere 200 yards from shore, surfer Nancy is attacked by a great white shark, with her short journey to safety becoming the ultimate contest of wills.

Genre: Drama, Horror, Thriller

Cast: Blake Lively, Óscar Jaenada, Brett Cullen

movie 2

  1. Free State of Jones

As civil war divides the nation, a poor farmer from Mississippi leads a group of rebels against the Confederate army.

Genre: Action, Biography, Drama

Cast: Matthew McConaughey, Keri Russell, Gugu Mbatha-Raw

movie 3

  1. Wiener-Dog

Chronicles the life of a dog as it travels around the country, spreading comfort and joy.

Genre: Comedy, Drama

Cast: Charlie Tahan, Greta Gerwig, Danny DeVito

movie 4

  1. The BFG

A girl named Sophie encounters the Big Friendly Giant who, despite his intimidating appearance, turns out to be a kindhearted soul who is considered an outcast by the other giants because, unlike them, he refuses to eat children.

Genre: Adventure, Drama, Fantasy

Cast: Bill Hader, Rebecca Hall, Mark Rylance

movie 5

  1. The Secret life of Pets

Taking place in a Manhattan apartment building, Max’s life as a favorite pet is turned upside down, when his owner brings home a sloppy mongrel named Duke. They have to put their quarrels behind when they find out that an adorable white bunny named Snowball is building an army of abandoned pets determined to take revenge on all happy-owned pets and their owners.

Genre: Animation, Comedy, Drama

Cast: Jenny Slate, Ellie Kemper, Lake Bell

movie 6

  1. Ghostbusters

30 years after Ghostbusters took the world by storm, the beloved franchise makes its long-awaited return. Director Paul Feig brings his fresh take to the supernatural comedy, joined by some of the funniest actors working today.

Genre: Action, Comedy, Fantasy

Cast: Melissa McCarthy, Kristen Wiig, Kate McKinnon

movie 7

  1. Ice Age: Collision Course

Scrat’s epic pursuit of his elusive acorn catapults him outside of Earth, where he accidentally sets off a series of cosmic events that transform and threaten the planet.

Genre: Animation, Action, Adventure

Cast: Adam DeVine, John Leguizamo, Jennifer Lopez

Movie 8