## Posts

### How to calculate modulus of subgrade reaction?

The modulus of subgrade reaction ks is a function of the contact pressure and allowable settlement on an unit area of soil. it's also referred to as Pressure per unit settlement.
On the opposite hand, the safe bearing capacity is that the maximum pressure which the soil can carry safely without risk of shear failure. The unit for bearing capacity is KN/m2, whereas the unit for Subgrade modulus is kN/m3. As per Joseph Bowles the modulus of subgrade reaction may be a conceptual relationship between soil pressure and deflection.
Though, modulus of subgrade reaction and bearing pressure is said to be related to each other, there's no reliable correlation between modulus of subgrade reaction and soil bearing capacity because they're measurements of entirely different characteristics of a soil. the rationale , soil and its properties vary from place to put , there's significant effect on the sort of soil in layers below etc.
However, J E Bowles has attempted to offer a relation…
Recent posts

### Amount in words in Excel for Indian Rupees with quick access toolbar button

Writing amount in words is required for cheque preparations and many other things. In the below video we have shown how to make a quick access toolbar for writing amount in words in MS Excel. You can also find function which is prepared to do the same.

The Addin file can be purchased at just Rs. 50/-. Follow the procedure to get the Addin file.
1. Paytm us to number +91-9925015825
2. Share the receipt with message "AIWSOE Addin req.
3. We shall share the Addin file to you on whatsapp.

Hope you will like the Addin and the way to save the time.

### How to calculate water tank capacity in liters?

Let us suppose your tank dimensions are
L = 8ft B = 6 ft D/H = 5 ft
Then your volume of tank will be
8 x 6 x 5 = 240 ft³

Now 1ft³ = 28.31 liter,
hence, total volume of tank in liter shall be 240 x 28.31 = 6794.4 liter.  That means almost 6800 liter of water can be stored in the tank.
Here is a quick video to show you How to calculate water tank capacity in liters?

### LIC Jeevan Akshay-VI

LIC Jeevan Akshay-VI Policy:

It is an immediate annuity plan.It can be purchased buy paying lump sum amount. Plan provides fixed annuity till the maturity. Various options are available for annuity.

Key Features:
This is an immediate annuity plan. Annuity is paid life time at fixed rate or as specified below.  Death benefit: on death of the insured, assured sum is payable to the nominee or annuity of nominee starts. Accidental death and other riders can be added at nominal top up. Plan is tax exempted under 80(C) and 10(D). Policy benefits: fixed annuity. Death Benefits as below: payable to the nominee the sum assured.Accidental death and disability benefit:No rider can be availed.Tax benefit:Premium is exempted from tax under 80(C)Sum assured is exempted from tax under 10(D) Options of annuity: Annuity payable for life at a uniform rate.Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long as the annuitant is alive.Annuity for life with return of purchase price on dea…

### LIC Amulya Jeevan 2 plan

LIC Amulya Jeevan 2 Policy:

It is Pure term policy. It provides coverage up to maturity at a reasonably low price. Its a without profit traditional plan.

Key Features:
This is a term plan.It provides insurance cover up to 35 years from date of commencement. Death benefit: At the time of death of the insured, nominee gets sum assured.  On survival till maturity, nothing is to be paid.  Accidental death, term and other riders can be added at nominal top up. Plan is tax exempted under 80(C) and 10(D).
Policy benefits:.  Death Benefits as below: payable to the nominee, Sum assured on death.Maturity benefit:NoneAccidental death and disability benefit:No rider can be taken with this policy. Tax benefit:Premium is exempted from tax under 80(C)Maturity and sum assured is exempted from tax under 10(D) To know more about the policy and any other details regarding LIC, mail us at tinytopic@gmail.com

### LIC Jeevan Labh

LIC Jeevan Labh Policy:

It is limited premium paying, non-linked, with-profits endowment policy. It offers protection and savings.

Key Features:
This is a limited premium paying policy.It provides insurance cover up maturity. After premium paying terms over, the survivor gets sum assured + simple reversionary bonus + final additional bonus. Death benefit: At the time of death of the insured, nominee gets sum assured + accrued bonus.  On survival till maturity, maturity benefits are paid.  Accidental death, term and other riders can be added at nominal top up. Plan is tax exempted under 80(C) and 10(D).
Policy benefits: Simple Reversionary bonus as declared by LIC. Death Benefits as below: payable to the nominee. Sum assured on death is defined as higher of 10 x Annualized premiumBasic sum assured is paid to the nominee. This death benefit shall not be less than 105% of all the premiums paid as on date of deathMaturity benefit:Basic sum assured amount + accrued bonus + final additional b…

### LIC Jeevan Umang

LIC Jeevan Umang Policy:

It is an annuity + full life cover policy. It provides coverage after maturity till the death of insured. It is combination of annuity and protection.

Key Features:
This is a whole life plan.It provides insurance cover up to 100 years. After premium paying terms over, the survivor gets annuity at 8% of sum assured till 100 years or death of the insured. Death benefit: At the time of death of the insured, nominee gets sum assured + accrued bonus.  On survival till maturity, benefits are paid.  Accidental death, term and other riders can be added at nominal top up. Plan is tax exempted under 80(C) and 10(D).

Policy benefits: Simple Reversionary bonus as declared by LIC. Death Benefits as below: payable to the nominee. Sum assured on death is defined as higher of Sum assured on maturity10 x Annualized premiumBasic sum assured is paid to the nominee. This death benefit shall not be less than 105% of all the premiums paid as on date of deathMaturity benefit:Basic sum…