Insurance Help

Archive for the ‘Finance & Investing’ Category

“The National Condo & Apartment Insurance Group is here to provide you with the best possible insurance products for your Real Estate Insurance needs and specialize in products that protect your investments in the most appropriate and cost effective way.

We provide Real Estate Insurance services throughout the United States, including, but not limited to Ohio, Kentucky, Indiana, Michigan, Wisconsin, Minnesota, Tennessee, Missouri, Alabama, Mississippi, Texas, Colorado and Iowa.

The National Condo and Apartment Insurance Group offers coverage that every property manager should consider, including General Liability Coverage, Umbrella Coverage and Directors and Officers Liability Coverage.

Let us help you ensure these necessary coverages aren’t passed over, with great products at a great price.

Our product offerings include programs that fill the unique requirements of commercial clients with single or multiple rental dwellings, especially Condominium Associations. Our professional Advisors will assist you in finding the right protection for your specific needs.

Condominium Associations require unique Insurance Solutions that cover you for both Property and Liability risk of loss.

Directors and officers can be exposed to being sued for various activities managing the association’s business and therefore D&O coverage should be in place to protect these individuals.

If your Condominium Association is an employer, for work such as grounds care or unit maintenance, then we can assist in setting up Employment Practices Liability, or insure it is properly included within your D&O policy.

Our product offerings include programs that fill the unique requirements of commercial clients with single or multiple rental dwellings, especially Condominium Associations. Multi Dwelling Inusance needs include coverages for owners of 1-4 family housing units, Landlord Insurance and coverages for Habitational Commercial units.

Insurance is one of the fastest-growing expenses for hotel owners and managers.

Insurance solutions for the Hospitality industry provide owners and manager of hotels, motels, spas and resorts with the coverage necessary to protect you from the unique needs of the industry.

Property Section – in this section, you will find coverage for common property liabilities, including flood, earthquake, wind, builder’s risk, crime, flood clean-up expenses and business interruption
Casualty- the casualty section of the solution will often include general liability, business auto, excess liability, liquor liability and umbrella coverage
Worker’s Compensation – don’t underestimate the need for insurance protection against job injury for your resort, hotel or motel employees
“

"apartment-buildinginsurance.com invite you to work with us to find the right solutions for your apartment complex,condominium association or other multi-family insurance investments today with the opportunity to shop online for apartment building insurance.
Visit apartment-buildinginsurance.com to find the best insurance quotes.
National Condo and Apartment Insurance Group
Website – http://NCAIG.com
Email – Information@NCAIG.com
1-866-624-1890
"

Toronto, Canada -GAO RFID Asset Tracking (www.GAORFIDAssetTracking.com) is offering this 433MHz active RFID reader, which operates in stand-alone mode or in a multi-drop asynchronous network mode where the “Node ID” is automatically assigned and is commonly used in asset tracking and inventory control.
This 433MHz active RFID reader, model214011, works at a frequency of 433MHz with a sensitivity of -103dBm and a reliable stability of 2ppm/¡ãC. The compact RFID reader features sensitivity adjustment, ESD protection and LEDs for reader status indication. It is strictly compliant with the RF standards required by the internationally accepted regulatory bodies such as FCC, CE and ETSI. The typical read range of this reader depends on the antennas. Up to 255 latest unique received RFID tag IDs can be stored onboard. It communicates with a computer via RS485/RS232 interfaces. Sensitivity adjustment, and reader addressing can be remotely carried out via software. Moreover, it is finished with resistant ABS to withstand harsh environments.
For sales inquiries please contact:
1-877 585-9555 ext. 601 – Toll Free (USA & Canada)
1-416 292-0038 ext. 601 – All Other Areas
sales@gaorfidassettracking.com
About GAO RFID Asset Tracking
GAO RFID Asset Tracking (www.GAORFIDAssetTracking.com) is a leading provider of RFID Readers, RFID Tags and RFID software providing cost saving solutions to end users worldwide. GAO offers all RFID technologies: Low Frequency (LF), High Frequency (HF), Ultra High Frequency (UHF, Gen 2) as well as Active and Semi-Passive. GAO RFID Asset Tracking¡¯s products and services are easily customized for use in asset tracking, healthcare, supply chain & logistics, event management, access control, livestock tracking, inventory control & management, field service maintenance and document authentication.

About GAO RFID Asset Tracking
GAO RFID Asset Tracking (www.GAORFIDAssetTracking.com) is a leading provider of RFID Readers, RFID Tags and RFID software providing cost saving solutions to end users worldwide.

House owners insurance coverage is a crucial component of any good financial plan. Since our houses are probably our biggest assets, protecting ourselves by having the right amount of coverage is important. However, most of us are under some misconceptions and we this hurts us if it is time to calculate our need for homeowner’s insurance protection.

Not only are most of us using the wrong method to calculate the amount of homeowner’s insurance protection we need, few of us have recalculated our need since we purchased our home. If you have lived in your house for any length of time, you probably have the wrong amount of insurance protection. Inflation can make a bug difference.

A policy with the wrong amount of insurance always hurts. It can really hurt us should we get less from our insurance carrier if our house is destroyed. It can hurt us whenever we pay our premiums.

One wrong way to compute a figure when we need to know how much coverage you need is to use the amount that you paid for your house. Why is this wrong? One reason it is wrong is because the price you paid for your house includes the land itself. Your land isn’t likely to burn down. It not insured by your house owners policy.

Another incorrect way to determine the amount of homeowners insurance coverage you need is to base the amount on comparable sales of homes in your neighborhood. If this amount is correct, it is merely a coincidence. Homeowners coverage isn’t designed to pay for a new home for you.

These methods of figuring out the amount to insure your house for works with other types of insurance, but not with house insurance. However, your home insurance policy will not buy you a new home if yours burns down. It will rebuild your home on your land if it is destroyed by a covered peril.

The price of nails, sheet rock, and skilled labor in your area affect the cost of rebuilding your house. The cost of purchasing a similar house is not directly correlated with the amount of insurance coverage you should have on your house.

This means that the cost of other homes in your area is really irrelevant. The price of the other homes includes the value of your land. It also includes the value associated with the benefits of living in your vicinity.

The quality of public education in your area probably impacts your house’s market value. The cost of rebuilding your home will not be impacted by how good the public schools are or how close you are to public transportation.

Your homeowners coverage company should be able to suggest a method for properly computing the replacement cost of your house. They may have a formula that uses the square footage of your rooms and other factors.

Any number you come up with after doing the calculations will be wrong after a year or so due to inflation or deflation. Be sure to recalculate annually or nearly so.

Having the wrong amount of coverage can mean that you either pay too much for your policy or are paid too little if your house burns down. Be sure to value your home correctly.

Free <a href="http://cheaper-homeowners-insurance.com/">home insurance quotes</a> is available on the author, Alston J. Balkcom's website. One of his recent blog posts is about finding the <a href="http://blog.cheaper-homeowners-insurance.com/2010/11/cheapest-house-contents-insurance.htm">the cheap house contents insurance</a>

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Melrose Jewelers additionally hosts the Melrose Jewelers (MJ) Rolex Watch Blog. The MJ Rolex Watches Blog is the world’s better absolute appointment website about Rolex contest and Rolex and added affluence watches in pop culture. With over 300 user-posted accessories and new accessories and annotation adapted daily, the Melrose Jewelers Rolex watches blog contains accessories about Rolex watches endemic and affected by Barack Obama, Warren Buffett, Steve Jobs, Cristiano Ronaldo, Sienna Miller, Sean Penn, Courtney Cox, Andy Roddick, LeBron James, Tara Reid, Danica Patrick, Matthew McConaughey, Steven Wynn, Calvin Klein, Jamie Lynn Sigler, Eva Longoria Parker, Tobey Maguire, Michael Dell, Ashton Kutcher, the Jonas Brothers, Rafael Nadal, replica watch Roger Federer, Colt McCoy, Sam Bradford, Adriana Lima, Arnold Schwarzenegger, Bill Murray, Barry White, Anne Hathaway, Michael Jackson, Tony Soprano, Lindsay Lohan, Eddie Murphy, Anish Kapoor, Tom Selleck, Jennifer Garner, Donald Trump, Jennifer Lopez, Chopard Lance Armstrong, John Mayer, Cameron Diaz, Justin Timberlake, Brad Pitt, Drew Barrymore, Matt Lauer, Sophie Marceau, Tim Tebow, Jay-Z, Zara Phillips, O.J. Simpson, Madonna, Ana Ivanovic, Jennifer Aniston, Paris Hilton, Orlando Bloom, Tupac Shakur, Cuba Gooding Jr, Lily Allen, & Wiley. Blog postings on the MJ Rolex Watch Blog are submitted by absolute Rolex enthusiasts and not by Melrose Jewelers.

Melrose Jewelers, Georgia’s #1 Online Rolex Retailer, which is accessible at MelroseJewelers£¬Melrose Jewelers caters appear Georgia cities including Atlanta, Augusta, Columbus, Savannah, Athens, Macon, Sandy Springs, Roswell, Albany, Marietta, Warner Robins, Valdosta, Smyrna , East Point, North Atlanta, Rome, Alpharetta, Redan, Dunwoody, Peachtree City, Hinesville, Mableton, Candler, Dalton, Martinez, Tucker, LaGrange, Gainesville, Griffin, Statesboro , Lawrenceville, Duluth , Kennesaw, Forest Park, College Park, Douglasville, Carrollton, Belvedere Park , North Druid Hills, Milledgeville , Thomasville, Decatur, Evans, Americus, Newnan, Cartersville, Dublin, Brunswick, Snellville, and Waycross.

Mexican homeowners Insurance is very tricky. Brokers and agents will sell you policies that you do not need or that do not offer you the coverage that you are seeking and in the event of a loss the carrier due to not being insured properly will not pay out the claim. Having a great relationship with your agent and asking the correct questions before purchasing your Mexican homeowners policy is one of the best things you can do.

There are many ways a agent or broker will sell you a policy that you are not looking for. One is that if you plan on renting your home, whether its yearly or occasionally, standard Mexican Insurance policies WILL NOT cover you, this is considered a business by 99% of Mexican Insurance Carriers and you will need a Commercial Policy not a homeowners policy. West Coast Insurance Services offers a Special Lines policy that NO agent in Mexico offers with broader coverages to protect you and your assets. Depending on the location of your home, Hurricane coverage is important. If in the Baja area or a Hurricane Zone Hurricane coverage is always recommended. During Hurricane season 99% of carriers will stop offering Hurricane coverage until the Hurricane season is over. Some agents and brokers will still sell the homeowners policy and say Hurricane coverage is included in the package when in fact it is NOT.

West Coast Insurance services makes sure we secure coverage for you with Hurricane coverage because we know how important that is. Earthquake coverage is also important as Earthquakes are common in Mexico. Having the proper coverage for your home in Mexico is important and West Coast Insurance Services can help you secure the coverage that you are looking for so that you have peace of mind, knowing that your agent has placed you with the best policy in Mexico with the most competitive rate in the market place today. We have made Mexican home Insurance easy, all our applications are online and you are able to submit via the web and once we receive it we will call you and email you a proposal for you to review. We can bind coverage the same day and even send you, your original policy the same day!

Myself webmaster of http://www.westcoastri.com – we pride ourselves on offering the most comprehensive Mexican Auto Insurance Online, Condo Insurance, car insurance in Mexico, Mexican homeowner Insurance, property insurance and lots more in Mexico at affordable rates.

This is a question that is asked time and time again. Indemnity insurance is a shortened version of its full name Professional Indemnity Insurance. An even shorter version of this name is PI insurance! In short it provides indemnity (or financial assistance) in the event a client decides to make a claim against you due to a professional error on your part. Any profession can benefit from having this type of insurance. Once it was considered a luxury but with the number of insurance claims being made every day, when it comes to indemnity insurance it is always better to be safe than sorry.

In particular businesses or professions where advice is routinely given should take indemnity insurance cover. This could include accountancy firms, stockbrokers or even IT consultancy companies. If a mistake is made and it deemed to be the fault of the firm then you could be taken to court. Even aside from any compensation that may need to be paid there are lawyers’ fees, court costs and loss of earnings too. In fact without insurance, if a claim was to be made against you it could mean the end of your business. It is simply not worth the risk.

Management consultancy is another profession where professional indemnity insurance is very important, architecture firms too. If a client receives bad advice or a mistake is made relating to their contract then they could want to take the matter further than a simple apology. The modern world is quite litigious and as a business you don’t want to take any risks. Misuse of client data or information is another reason a case could be brought against you as could the unwitting infringement on a person’s or company’s intellectual property. Because mistakes and errors occur unwittingly you never know if you could find yourself in this position in a few months or years in the future.

If you are interested in taking out this type of insurance cover then you should seek the help of an experienced insurer. There are many insurance companies that specialise in particular types of insurance or in particular industries. If you have a unique business that you want the best for and a tailored plan to suit your needs, you should find an insurance company to work with who are experienced in this area. If you carry out a bit of research before meeting with an insurance company then you can have a good few questions ready to ask when the time comes.

It is not always the best idea to go with the company offering the cheapest monthly premiums. You could find yourself down the line amidst a legal battle without the cover your need. Make sure you know exactly what is included in any policy and talk through the scenarios where you would be able to make a claim and for how much. It is a good idea to gather together a few different quotes from different insurance companies as this allows you to make a very informed choice.

There are other types of insurance that businesses need to have if they are to survive in the modern world. It is very important you know exactly what you need to be covered for and that you have all bases covered. Although you need to pay monthly premiums, you will be very grateful of the cover provided if you find yourself in a position where a client or an employee is taking you to court, or some other scenario has occurred that has interrupted normal business activities.

Whatever business you are in, make sure you take out indemnity insurance if there is even a remote chance you could need it in the future. All business insurance is important so from retail insurance to public house insurance, make sure you do your homework.

Kathryn Dawson writes articles for YesQuote, a division of James Hallam Insurance Brokers in the UK specialising in all types of insurance policies for small to medium size businesses which includes public house insurance, <a href="http://www.yesquote.co.uk/cms/insurance/shop/" title="retail insurance"><b>retail insurance</b></a>, <a href="http://www.yesquote.co.uk" title="indemnity insurance"><b>indemnity insurance</b></a> and more.

Paramount Disaster Recovery is a leading nationwide disaster response, reconstruction and recovery company in the USA. Some past’s undesirable and unfortunate conditions were the main reasons for the formation of the Disaster Response Industry. The same factors are responsible for the Insurance companies. Steve Slepcevic was the founder of the Paramount Disaster Response Recovery and also serves as a President and the CEO of Paramount Disaster Recovery. By the diligence that he served to their clients, Steve make the Paramount as a leading and most recognized disaster response and reconstruction company in the United State. Steve founded paramount in the year 1989 which is a most recognized disaster recovery company in US. Steve Slepcevic has completed many projects of big hotels, hospitals, apartments and many commercial and residential building all across United State and worldwide.

Paramount Disaster Recovery launches three new websites for building owners for the Roof Damage Claims which includes Calshake roofs and for Cemwood Roofs viz. , www.roof-damage.com, www.calshake.com, and www.cemwood.com. Paramount Disaster Recovery is being so helping to individuals and business so that to recover from the effects of natural disasters since 1989. As if any undesirable or any wanted activity occurs that cause a wide spread destruction or any disaster, then we need to recover from that disaster’ effect and we need a true and a best Disaster Recovery Company. For helping people to recover and to reconstruct their loss the Paramount Disaster Recovery Inc is being proving a best recovery or reconstruction services provider company since 1989.

The Scientist who studied about global warming stated a few disasters in the years ahead. Steve Slepcivic says “As we can’t stop the natural disasters from occurring but can prepare better themselves to survive and recover from disaster situations. Paramount’s headquarters located at 27520 Hawthorne Blvd., Suite 178, Palo Verdes, California 90274 and many offices all across US. Nationally, Paramount has completed its 2000 recovery projects, since 1989. Paramount’s team includes certification of having Industrial Standards, licensed Contractors and experienced Architects and Engineers and they are capable of finding the reasons of the structural or domestic disaster and able to give us a better recovery services to recover from the disasters effect.

Steve Slepcevic recommends a few simple steps but important steps that we have to consider that help us to minimize or to avoid the causes of the domestic disasters. It includes a proper and periodic roof inspection, clearing of gutters, drains, scuppers, chimneys, water heaters to avoid roof collapse before any mishappening occurs. Paramount provides services in all fifty states. It has the capability to mobilize the resources all across the country to frequently meet the demands for the storm damage restoration services as soon as possible. Paramount Disaster Company is a reconstruction or a recovery company which is specialized in storm damage. It provides services for restoration for commercial, residential and industrial properties get affected due to storms.

Hurricane victims can contact to Paramount Disaster Recovery Company at any time in 24 hours a day on the toll free number 1-888-752-3399 and also contact at www.hurricane-claims.com. Many company owners and residential owners are relied on Paramount Disaster Recovery Inc. since 1989 for their any storm disaster damage recovery and reconstruction across whole United States.

Sleve Slepcevic says”The key to survive any disaster is the prepreparation of a Family Communication Plan “. In this plan make a list of which to contact in case of any emergency and the ways to do so plus a 5-day disaster survival kit for their vehicle with food, water and necessary things which are helpful in emergency, each family member should have this. There should be an emergency phone number to left messages there for every 4-8 hours as needed. Additionally always include a location outside the city limits to their Emergency Plan in case of any disaster.

Paramount Disaster provides classes all across United States with their Experts so as to prepare people themselves to recover and also to respond according to the disaster and can take appropriate steps. The Disaster Preparedness Submit that is www.disastersummit.org provides public disaster Awareness events nationally and provides facility for booked it by private education events or for large commercial companies.

Steve Slepcevic always recommends to make a “Disaster Plan” to deal with a disaster so that we can recover or reconstruct from the disaster’s effect. Mostly people have their Insurance policies and think that their Insurance Company will take care of them but Insurance Company is totally different from a Disaster Recovery Plan. The last thing is like that as you are standing in your home and arguing with your insurance provider for what he pays for and for what he does not pay for. Steve recommends that when you are claiming for any damage then it is worthy to take help of a professional because he can understand the insurance language better than us and getting help in documenting will significantly improve our settlements with insurance company and fasten the claiming procedure.

Paramount Recovery’s headquarter is in Southern California and also operated throughout the whole world. Paramount Disaster Recovery has its own Emergency Response Team that is Paramount’s Team TRAID™ for any emergency, for any response or for any reconstruction due to the occurrence of any disaster for 24 hours services providing Emergency team in the whole nation.

<p>
<a href="http://www.aoausa.com/MagazineAdvertising/articles/2003/Dec/top10thingstodo.pdf">
Steve Slepcevic</a> founded Paramount Disaster Recovery has been helping individual homeowners, homeowner associations (HOA) with their roof repair needs,consultants, insurance claim consultants. <a href="http://www.spoke.com/profiles/SteveSlepcevic">Steve Slepcevic</a> is proud member of the Building Owners & Managers Association International and National Institute of Disaster Restoration.</p>

When your website is critical to your company or when you are a webmaster reliant upon a network of sites for your income you are going to want the best and most secure type of hosting. There are a few different options when it comes to choosing hosting with some offering more than others in terms of safety and security. Your budget, expertise and the required level of security will determine what type of hosting you will want to choose. This article provides all the information you need before deciding what type of hosting is appropriate for you.

There is no question that the safest and most secure hosting available is colocation. A webmaster or company will own their own server but have it placed in a communal or shared data centre. A data centre is quite costly to set up so being able to rent space in one ensures a big saving is made. Data centres need additional IT infrastructure, power, air conditioning and there are a host of network and bandwidth costs as well as maintenance costs involved with a data centre. Owning a server that is physically placed in a data centre nearby offers the most in terms of security and value for money. Not only does no one else have access to the server, but regular site checks to the data centre can be made. This set up offers a host of benefits for companies which is why it is a popular option throughout the UK and beyond.

If you feel that this level of security is unnecessary for your needs and you can’t justify the cost then you may consider having your website or network of sites hosted by a dedicated server. These are very safe and work well in terms of security. Having a dedicated server means no one else has access to it and this makes it extremely secure. If you have a website that involves financial transactions of any kind then the minimum level of security you should consider is that from a dedicated server. When credit card details and customer information are involved it is a mistake to take any risks at all. With a dedicated server loading times of websites are generally faster too. This is critical for websites because nothing turns away potential customers or readers of your site than a slow loading page. In the world of websites you have only a few seconds of loading time before a customer will look elsewhere.

If you have a website that currently is not receiving too much traffic or it is a site that is not central to your online activity then you may feel that shared hosting is adequate. Rates for this type of hosting service are very small indeed so if cost is an issue then this would be ideal. The way shared hosting works is that multiple users have access to the same server. The server is managed by a company who keep it secure and free from bugs and viruses. They also provide support and help to those who need it and carry out all necessary checks and tasks associated with hosting a server. There are rarely problems with this type of server, but webmasters often prefer to have sole access to their server just to be on the safe side.

In the UK, colocation hosting is by far the safest way to host your websites. Not only do you have a dedicated server to yourself but you can see where exactly it is sitting. If you are looking for cheap dedicated servers there are a good number of companies that offer this service. It is also worthwhile investing in some server monitoring to ensure there is limited downtime.

Kathryn Dawson writes articles for ConnetU, a company providing <a href="http://www.connetu.com/" title="uk colocation hosting"><b>uk colocation hosting</b></a>, <a href="http://www.connetu.com/low-cost-dedicated-server-hosting.html" title="cheap dedicated servers"><b>cheap dedicated servers</b></a> and server monitoring. As you grow online ConnetU can advise and scale your hosting requirements and capabilities to a fully managed server if needed.

Many people dream of owning their own business or opening their own shop. There is quite a lot to consider however when you are just starting out and a fair amount of paperwork to do. If you want to open or have already opened a shop then insurance is going to be one of the things that you need to organise. There is a lot to choose from and many things to consider and it can become a bit of a chore. The best advice is to find a reputable and professional company with a large amount of experience in the field of shop insurance and find out what the best action to take is.

It is worthwhile however doing a little bit of your own research first however so not only can you understand everything better, but you can have a list of questions to ask if necessary. This article provides a good starting point when it comes to finding out about shop insurance. If you read this you will have a good grounding of the basics which will help you dig deeper and find the perfect policy tailored to your individual needs.

Included primarily in any shop insurance is insuring the building itself. It doesn’t matter whether you own, lease or rent the building that the shop is situated in; you will need property insurance so that if anything was to be damaged, destroyed or stolen you would receive the money needed to replace it. Just as home owners insure their houses, a shop owner needs to insure their building. Fire, flood damage, theft…there are a multitude of reasons you might need to make a future claim. In addition to property insurance you will need contents insurance. Stock is a valuable asset and the costs are considerable. If your stock was to be destroyed by a fire or a flood, how would you be able to replace it without insurance?

Another important aspect of shop insurance is liability insurance. This is a very important part because it protects the business owner against law suits. If a customer of member of staff is dissatisfied and feels that blame lies at your door, they may decide to take the matter to court. In this scenario you would need financial assistance as otherwise the business could be damaged beyond repair. Typical scenarios might include a customer tripping over or slipping on water. Whether or not the case is upheld and compensation awarded there are still going to be large lawyer fees and court fees to be found if a case was to be brought against you. Liability insurance will also cover you if an employee was to suffer an accident at work and decide to make a claim.

Although it is sometimes tempting to simply choose the cheapest shop insurance you can find, this can be a mistake. If you choose one that has low premiums it may mean it is simply not thorough enough. There are many scenarios that could occur as a shop owner that could bring you into financial strife if you don’t have the insurance cover in place. When it comes to your livelihood it is just not worth it. It is always better to be on the safe side. If you receive a quote that you feel may be a bit low, you could shop around for others and make comparisons. It is vital you get your shop insurance right the first time as otherwise your exciting venture could be over before it has even begun.

There is no doubt that shop insurance is an important part of opening a retail business. You should gather more than one shop insurance quote in order to make an informed choice. This same advice should be taken whether it is pub insurance you need or office insurance. The more research you do the better your choice will be.

Kathryn Dawson writes articles for YesQuote, a specialist in <a href="http://www.yesquote.co.uk" title="shop insurance"><b>shop insurance</b></a> for retail shops and commercial premises. If your business is based in an office or surgery, it is essential to have an office insurance. Go online for the best <a href="http://www.yesquote.co.uk/cms/insurance/shop/" title="shop insurance quote"><b>shop insurance quote</b></a> today.

The life insurance corporation said the Rs 14,000 crore loss it posted was only notional and only about 1% of LIC’s total asset base, adding that the government’s examination of LIC was not due to the issue of a notional loss. The government examining LIC investments is a routine affair.

Every year all of LIC plans are valued. The valuation of schemes should be looked at as a whole and not individually, it said. There would always be some schemes in surplus and some in deficit. LIC added.

It promised that policyholders would get guaranteed returns and would not to suffer any losses

The insurance major plans to bridge the notional loss of Rs 14,000 crore from the surplus of other plans.

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