Author: Elon Mark
9 October 2025 4 min read Unit Linked Insurance Plans (ULIPs) are marketed as an attractive blend of life insurance and investment. While ULIPs are intended to provide the dual benefit of insurance coverage and market-linked returns, they have gained notoriety for being mis-sold, often leading investors into unfavourable financial outcomes. The sale of ULIPs by banks has raised concerns due to the aggressive marketing strategies used and the inherent conflicts of interest. This article dives into the practices of mis-selling ULIPs by bank relationship managers (RMs) and whether they are a good investment or not. How widespread is the…
Pursuing a Harvard Business School Online certificate is a powerful career step; the results speak for themselves. In a recent survey by market research firm City Square Associates, 24 percent of learners reported that HBS Online helped increase their salary by an average of $20,466—an 11-times return on their course investment. The real question isn’t whether it’s worth it—it’s how to make it happen without disrupting your financial planning. Online learning delivers a transformative experience that combines flexibility, affordability, and tangible value. In fact, 70 percent of students choose online learning specifically for its cost-effectiveness. Since everyone’s financial situation is…
Legal experts WIRED spoke with say that the ICE monitoring and documentation apps that Apple has removed from its App Store are clear examples of protected speech under the US Constitution’s First Amendment. “These apps are publishing constitutionally protected speech. They’re publishing truthful information about matters of public interest that people obtained just by witnessing public events,” says David Greene, a civil liberties director at the Electronic Frontier Foundation.This hasn’t stopped the Trump administration from attacking the developers behind these ICE-related apps. When ICEBlock first rose to a top spot in Apple’s App Store in April, the Trump administration responded…
Welcome to day two of Amazon Prime Day 2. The mega-retailer’s two-day sales event for Prime members may be winding down, but there are plenty of deals still going strong for a last push. We’re still gathering all the best markdowns on our favorite tech gear and gadgets, from Alexa-enabled speakers to robot vacs to laptops and tablets. The WIRED Reviews team tests products year-round, and at sales events like this, we only recommend deals on stuff we have actually used and approved. We sorted through thousands of deals by hand to make these picks.Featured October Prime Day DealUpdated: Oct…
The HDFC Diners Club Black Metal Edition Credit Card stands out as a top-tier, multi-purpose premium credit card ideal for frequent travellers and high-spending professionals. Scoring an impressive 83/100 from 1 Finance Credit Card Scoring and Ranking, this HDFC bank credit card targets those who want maximum value across travel, lifestyle, dining, and rewards, backed by robust insurance and unlimited lounge access. Here is a detailed review of the HDFC Diners Club Black Metal Edition Credit Card, covering its fees, reward structure, travel perks, milestone and redemption benefits, important charges, drawbacks, market positioning, and how well it fits your lifestyle.…
In a rapidly evolving business environment and uncertain global economy, online certificate and credential programs can equip you with the relevant, must-have skills to advance your career, transition to a new industry, or secure your next job. What’s more, you can achieve your personal and professional goals on a schedule that works for you and learn from top-tier institutions without ever leaving your couch. Are you interested in learning more about the benefits of an online certificate course? Harvard Business School Online collaborated with market research firm City Square Associates to survey learners about how our programs have impacted their…
The caveat is that you cannot see your workout information on the watch if you have this passive method turned on. You can start the workout manually, but if you forget, the watch will not ping you 10 minutes into your workout to ask if you want to start tracking. Some folks may find that annoying, but at least you can be happy knowing the data is being recorded; you just have to wait a few minutes to see it post-workout.If you do want activity tracking reminders, you can turn on “Start workout reminders” in the Fitbit Exercise app on…
GoolooA3 3000A Portable JumpstarterNo one expects the Spanish Inquisition. And you also don’t expect to leave your headlights on when you’re on a remote Delaware hilltop with no phone service. I’m telling you, you haven’t lived until you’re walking around a former superfund site trying to find a single cell-phone bar.What I did eventually is I flagged down a passing pickup truck. And what he had was a portable jumpstarter from Gooloo—a wee powerpack jumpstarter so small it can fit under your front seat, but powerful enough to bring back my car from the dead.After I thanked the driver, I…
The HDFC Diners Club Black Metal Edition Credit Card stands out as a top-tier, multi-purpose premium credit card ideal for frequent travellers and high-spending professionals. Scoring an impressive 83/100 from 1 Finance Credit Card Scoring and Ranking, this HDFC credit card targets those who want maximum value across travel, lifestyle, dining, and rewards, backed by robust insurance and unlimited lounge access. Here is a detailed review of the HDFC Diners Club Black Metal Edition Credit Card, covering its fees, reward structure, travel perks, milestone and redemption benefits, important charges, drawbacks, market positioning, and how well it fits your lifestyle. HDFC…
When innovating, you likely focus first on understanding the voice of your customer: the wants, goals, and pain points that ultimately drive their purchasing decisions. Putting yourself in their shoes builds empathy, which often sparks inspiration. Yet, as noted in the Harvard Business School Online course Design Thinking and Innovation—part of the six-month Credential of Digital Innovation and Strategy—empathy and imagination can only take you so far. Eventually, you need a physical product to test so you can determine whether it: Solves customer pain points Introduces new problems Improves existing solutions That’s why rapid prototyping is essential to the design…