भिडियो हेर्न तल को बक्समा क्लिक गर्नुहोस
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Bhagyale Chhal Garyo
Singer – Puskal Sharma & Asmita Shrestha
Lyrics – Madhukar Thapa
Music – Purushottam Satyal
Artist – Madhukar Thapa & Anita Basnet
Director – Chitra Maskey
A World of Nepali Music & Entertainment
Keep Loving Nepali Music and Movies!!!!h
During the month of Kartik (late September and early October), the Nepalese people indulge in the biggest festival of the year, Dashain. Dashain is the longest and the most auspicious festival in the Nepalese annual calendar, celebrated by Nepalese of all caste and creed throughout the country. The fifteen days of celebration occurs during the bright lunar fortnight ending on the day of the full moon. Thorough out the kingdom of Nepal the goddess Durga in all her manifestations are worshiped with innumerable pujas, abundant offerings and thousands of animal sacrifices for the ritual holy bathing, thus drenching the goddess for days in blood.
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{Long term|Long lasting|Everlasting} coverage: whole, universal and variable life is more confusing since the same policy, depending {how} it is issued, can often be either guaranteed or non-guaranteed. All {long lasting|everlasting} life insurance coverage illustrations are hypothetical {including|and can include} ledgers that show {the way the|how a} policy could perform under both {assured|certain} and non-guaranteed assumptions. The rates of return and policy fees are usually shown {towards the top of|on top of|near the top of} each journal column {plus some|and several|and a few} policies, such as variable or index life, are occasionally {specified|descriptive} assuming very optimistic 7-8% {twelve-monthly|gross annual} returns.
Non-guaranteed {guidelines are|plans are|procedures are} typically illustrated with a premium that is calculated based on a favorable assumed rate of return and policy fees that could change. {The low|The bottom|The reduced} premium payment is great {so long as|provided that|given that} the performance of the policy meets or exceeds the assumptions in the illustration. {Just click here|Click the link|Click this link} {Nevertheless|On the other hand|Even so}, if the policy {will|does indeed} not meet expectations {then your owner|then an owner|then this owner} would have to pay {a greater|an increased|a better} premium and/or reduce the death benefit, or the coverage may {course|joint|distance} prematurely.
Some {long lasting|everlasting} {guidelines|plans|procedures} {give you a|give a} rider, for an additional cost, that is part of the {agreement|deal} and guarantees the {plan|coverage|insurance plan} will not lapse. The policy is guaranteed, even if the cash value drops to zero, as long as the {prepared|organized|designed} premium is paid as scheduled. Depending {how} the policy and the {high quality are|superior are|high grade are} calculated, the no lapse guarantee {may range|can vary} from a few years away to age 121. {Nevertheless|On the other hand|Even so}, in exchange for {moving|shifting|copying} the risk back to the insurer these {guidelines|plans|procedures} routinely have a higher premium and build little cash value.
How to Decide
Whether you should buy guaranteed or non-guaranteed life insurance coverage {will depend on|is determined by} many factors. Here are some factors to consider:
If necessary, {considering|are you gonna be} able to pay higher {rates|monthly premiums|payments}? Most people who bought universal life policies 10-20 {years back|in years past|yrs ago}, when 5-7% set {interest levels were} the norm, never envisioned the financial {fall|failure|break} in 2008 or the extended low-interest rates that we are currently experiencing. Those policies are now only earning 2-3% and the owners, often {pensioners|senior citizens}, are {confronted with|facing|up against} paying significantly higher premiums or {dropping|shedding|burning off} the coverage.
Why are you buying {life insurance coverage|insurance coverage|a life insurance policy}?
Insurance is unique because it enables you to time liquidity to certain {occasions|situations|incidents} and transfer large {dangers|hazards} that you cannot {normally|in any other case|usually} afford to pay away of pocket. If, like most people, you are buying life insurance for the leverage (small premium/large death benefit), you may prefer not having to consider the policy {remaining|keeping|being} in force.
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