Samsung SSTV Giveaway Terms and Conditions

Enter for a chance to win a 40” Samsung SMART Digital Signage TV, Model  RM40D, with a total value up to $749.00 – prize sponsor is Samsung Business (“Samsung”)

How to Enter:

Submit a tweet responding to a question, between May 6, 2015 through July 7, 2015, including the following hashtag in it:  #SSTVGiveaway.  Respond to the designated question in the tweet.  At the end of the contest, two eligible entrants with the most creative answers in their tweets, as determined in the sole judgment of Small Business Trends, will be chosen to win.

To enter, submit your entry on Twitter.

  1. Two entries will be chosen by Small Business Trends as winners. Each winner will receive a 40” Samsung SMART Digital Signage TV, Model RM40D.
  2. The winners will be chosen no later than July 31, 2015.
  3. The winners will be notified via the Twitter handle they entered by, and via email (provided they respond to requests on Twitter to provide an email address when requested to their “@handle”).

Terms & Conditions for the SMART Signage TV Contest:

  1. No Purchase Necessary. Making a purchase will not affect the odds of winning.
  2. Only legal residents of the Continental United States 18 years of age and older will be eligible.
  3. Employees of Samsung and Small Business Trends LLC and their subsidiaries, affiliates, dealers and agents, and members of their immediate families are not eligible to win.
  4. Any costs associated with accessing the Samsung website and/or Small Business Trends is the entrant’s responsibility, and is dependent on the Internet Service Provider used by the participant. By their participation, all participants agree to be bound by and comply with these Official Contest Rules, including these conditions of participation, and to waive any right to claim punitive, incidental and consequential damages. Small Business Trends LLC and its agents are not responsible for any delays or damage to a submission of any kind, which may affect any participant’s ability to participate in the Contest. Small Business Trends reserves the rights to change, replace or terminate this Contest or the prize without notice, subject to applicable laws and these Official Contest Rules. All determinations made by Small Business Trends are final, irrevocable, and binding. Any winner who fails to comply with these Official Contest Rules, or is otherwise ineligible, may be disqualified and a substitute winner may be selected.
  5. This Contest is void where prohibited or otherwise restricted by law.
  6. By entering the contest, entrants agree to have their entries appear on the and the Samsung websites, and associated social media profiles.
  7. By accepting the prize, the winner agrees: (a) to the use of his/her name and likeness by Samsung and Small Business Trends in any promotional displays or activities without any additional compensation; (b) to be responsible for any and all taxes incurred; and (c) to hold Samsung and its agents, affiliates and subsidiaries harmless from all claims, and further to release the same from any and all liability for injuries and damages sustained as a result of the prize or the winner’s participation in the drawing.
  8. All entries and copyright and other rights in such entries become the property of Small Business Trends LLC and Samsung upon submission. No part of any Entry will be returned to a participant. By submitting an Entry to the Contest, each participant consents to the information that the participant submitted with their Entry (including their personal information) being entered into a database and to the use by Samsung, Small Business Trends, or their affiliates of this information in any media in accordance with the Samsung online privacy policy (located at and the Small Business Trends, LLC privacy policy (located at without any further reference or payment or other compensation to the entrant. By submitting an Entry, participant represents and warrants that the Entry submitted is the original creation of the participant, has not been copied in whole or in part from any other work, has never been previously published, does not violate or infringe any copyright, trademark or other proprietary right of any person or entity, and is the sole and exclusive property of the participant. Small Business Trends reserves the rights, in its sole discretion, to cancel, modify or suspend the Contest should virus, bugs, unauthorized human intervention, technical failures or any other factor beyond Small Business Trends’ reasonable control corrupt the administration, security, fairness, integrity or proper operation of the Contest. In such event, Small Business Trends reserves the right to award any of the prizes at random from among the eligible entries received up to the time of impairment. Small Business Trends reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the Contest or to be in violation of these Official Contest Rules. Small Business Trends shall not be responsible for any problems or technical malfunction of any computer system, server, service providers, computer equipment, software, failure of any entry received by Small Business Trends on account of technical problems, human error or traffic congestion or any combination thereof, including any injury or damage to participant’s or any other person’s computer equipment relating to or resulting from participation in this Contest.
  9. The Administrator of this Contest is Small Business Trends LLC, 3593 Medina Rd. #160 Medina, Ohio 44256. The Prize Sponsor is Samsung Electronics America, 85 Challenger Rd, Ridgefield Park, NJ 07660.
  10. Small Business Trends reserves the right to request a prize winner to provide proof of identity, proof of age and proof of residency at the nominated prize delivery address. Winners must respond to Small Business Trends within seven (7) days of notification and must provide an address where the prize is to be delivered. If the winner cannot be reached, the prize will be forfeited and another winner will be selected. The prize will be shipped to the winner at the address specified by winner upon time of notification.
  11. Identification considered suitable for verification is at the discretion of Small Business Trends. Prize winner may be required to sign, have notarized and return to Small Business Trends an affidavit of eligibility/release of liability, federal and state tax release, and where legal, a publicity release, within fourteen (14) days of issuance of notification. Failure to complete and return documents in the time noted, or if prize notification is returned as undeliverable, will result in entrant being disqualified and an alternate winner will be selected and notified. The Prize winners are advised that tax implications may arise from their prize winnings and they should seek independent financial advice prior to the acceptance of the prize.
  12. In the event that any of the prizes becomes unavailable due to circumstances beyond the control of Samsung or Small Business Trends, then Small Business Trends reserves the right to provide a similar product of the same or greater value as the original prize.
  13. The total aggregate value of the prize is valued at $749.00. The prize cannot be transferred.
  14. For the winner’s name, please send a self-addressed stamped envelope to Small Business Trends, Samsung SMART Signage TV Contest, 15275 Collier Blvd #201-367, Naples, FL 34119.


Policy terms can’t be changed during free look period



What are the important riders that can be bought with a basic term life plan?

—Kunal Gupta

Common riders available with a term life plan include: accidental death, permanent disability, and critical illness. Critical illness rider with a term plan is recommended. This helps avoid a separate pre-issuance medical check-up for a critical illness plan, and the premium is fixed for the term of the policy. The other two benefits—disability and accidental death—are better bought independently, in an individual accident insurance policy. Individual accident insurance policies have several advantages—no pre-issuance medical tests, fixed premium at any age, and lower rates than rider premiums charged by life insurers.

My father had bought a term plan in my name. He passed away last month. How do I make the claim?

—Rupali Beohar

You need to first inform the insurer about your father’s demise. You should mention the date, place and cause of death. Intimation via email is considered valid. Send the following documents to the insurer: filled-up claim form, death certificate, policy document and nominee details. Insurer may ask for more documents based on the stated cause of death. Other documents that are sometimes asked for are: hospital discharge summary, postmortem report, and copy of first information report (FIR), in case of unnatural death.

What is a free-look period? Can I get the terms changed in it?

—Ravi Sinha

The Insurance Regulatory and Development Authority of India (Irdai) allows the policyholder to opt out of a policy after its purchase, within 15 days from the date of receipt of policy document. In this period, the insured can examine the complete policy documents, and if the terms do not meet her expectations she can cancel the policy. The entire premium will be refunded after deducting stamp duty, administrative charges, and mortality charges.

This period does not allow an insured to alter the terms of the policy. Any modifications, if required, would be done with a new contract. Under a free look period, the insured can either accept or cancel the policy.

We are a start-up firm run by 5 co-founders, all in their 40s. We wanted to buy life insurance. Is it better to buy a group or individual cover?

—Sarthak Sharma

There are three advantages of a group policy: it’s cheaper than buying individually; at low sum assured, some of you may get a waiver for pre-issuance medical check-up; and in the future you can expand the group to cover other employees. The disadvantage is that premiums can be revised annually. So, premium may rise in subsequent years. But you are better off opting for a group cover as it’s usually cheaper than individual covers.


Government to Link Savings Deposit Terms to Market Rates

Government to Link Savings Deposit Terms to Market Rates

More From Budget 2016

  • Can’t Pay Your EMIs? How To Get Out Of Debt Trap

  • Equity Mutual Funds’ Assets Hit 5-Month Low

  • Expecting Income Tax Incentives On Bank Deposits: Mukesh Butani

  • Millennials Not Preparing For Retirement: Study

  • Regulator Seeks Complete Tax Exemptions for NPS

  • Regulator to Invest 2% of Private Pension Corpus in AIF Schemes

New Delhi: India will link the interest paid to millions of small savers in a $137-billion central deposit scheme to market rates that will be revised every quarter, a top finance ministry official said on Thursday.

Cutting the small savings rate could save the government an estimated $700 million a year. But the move is likely to irk small savers and could be unpopular politically, particularly in rural areas where few banks have branches.

Economic Affairs Secretary Shaktikanta Das said the rates, previously adjusted annually, would be tweaked for shorter-term deposits and be aligned to government securities of comparable maturity.

Rates on two social security schemes will not be changed, Das said.