Money Saving Tips- Cigarettes have become quite expensive and if you can quit smoking, you will enjoy breathing easier and having more to put away for a rainy day.

Money Saving Tips: When you shop, look for items that can be reused. Rechargeable batteries are a perfect example.

Money Saving Tips- If possible, stay away from shopping malls. Prices are generally higher and in most cases, people walk out with more than they anticipated buying.

REAL WEALTH CREATOR OF MUTUAL FUND INDUSTRIES 1 Lac Invested in Reliance Growth Fund on 8 October 1995 is now 80 Lac 27 Thousand Three hundred thirty one on 08 october 2015...Total Tenure 20 Years...

Celebrating 20 Years of Wealth Creation

Market के up एंड down होने पर डरने से Wealth Creation वाली नौका पार नहीं होती.... लेकिन हो Patience और रिलायंस ग्रोथ सा Captain तो Investor की हार नहीं होती.........

Hare Gaas ki Roti

https://www.youtube.com/watch?v=CE2lwZhLvP4

  If you are married, make sure you and your spouse are working on the same agenda. If one is trying to save money while the other is busy spending, what is the point?

Invest & earn higher returns on savings. Multiply your saving faster than bank deposits. Contact Now: Jinendra Porwal 9829353219

Money Tips:
Look for hair styling shops that offer family deals or learn how to cut hair yourself.

Shri Bohra Ganesh Ji Udaipur

BELIEVE IN EQUITY

SMALL IN PLENTY (SIP)

Fixed Deposit - How Taxation can affect your Returns?

Fixed Deposit - How Taxation can affect your Returns? Investors are moving towards debt instruments led by poor performance of equity market and lucrative returns offered by debt. Driven by current market situation, FDs has gained popularity in recent times. However what most investors neglect is the taxation aspect attached to it. Read this space to know how taxation can affects your FD returns Equity markets have been highly volatile during the last few years. Still recovering from the last fall, coupled with steep rise in interest rates, most of the investors have since looked for safer avenues to safeguard their investments. Although, among all debt instruments, Public Provident Fund(PPF) , National Savings Certificate (NSC), Post Office Monthly Income Schemes (POMIS) always command high priority, Fixed Deposits(FDs) by banks have gained popularity in recent times. The primary reason is the attractive interest rates offered by the banks along with sovereign guarantee, giving investors a sense of security. However, within this euphoria, most investors neglect taxation aspect while investing in fixed deposits. What they failed to consider is that taxation can significantly lower returns generated by this instrument. Check out interest rate offered on Fixed Deposits by various Banks How FD is taxed The interest income earned through fixed deposit is taxable, if the interest amount exceeds Rs 10,000, in any financial year. This income is added to your total income under header Income from other sources and then taxed as per the income slab. A very important point to note is that the interest income from fixed deposits are taxed on accrual basis and not when actually received. This means that the tax on interest income earned at the end of financial year have to be paid even if the interest is credited at a later year. For e.g. if you are investing Rs 75000 in a fixed deposit for five years, you will have to pay tax on liable interest for all financial years it spans, even though the interest will be credited at the end of fifth year. Also, Tax Deducted at Source (TDS) is deducted by the banks if the interest amount exceeds Rs 10000 from one or through multiple investments. Even FDs in name of the minor attract TDS, if the interest exceeds the limit. What you earn? In a higher interest rate scenario, the going is good for investors in lower tax bracket. The investments from fixed deposits yield them returns that are worth talking about. But as your income go into the higher slabs the taxation starts affecting the net earnings. Consider an interest rate of 9.25% p.a. on a 10 year fixed deposit of Rs 2 lakh. Most of us will be lured by this fixed return which is very high if compared with rates few years back. However, the real picture is very different from what is presumed when taxation is considered. As can be seen from the above illustration individuals in higher tax slab of 30.9% tax, the post-tax returns are 6.3% from this fixed deposit. As against this, an individual in the lowest tax slab will be able to fetch 8.3% return on the same investment post taxation. Surely, the benefit accruing to lower tax category has lot to cheer. Should you Invest Fixed Deposits are highly liquid instruments and hence are best suited for goals where immediate fund requirement is very high. However, sometimes, high interest rate scenarios like existing today provides good investment opportunities for some category of investors even for long term. Senior Citizens who earns .25-.50 basis more on FDs and enjoy higher exemption limit in income tax are poised to benefit most from this instrument. A retired banker (Senior Citizen) today is able to fetch interest rate close to 11% on a 10 year FD from the same bank where he served. Even if he pays the maximum marginal tax he will still earn close to 8% which will give him a decent income. Inflation is something one has to live with but effect of taxation can be reduced by deploying some tax planning strategies. What you need to consider is post-tax earnings and not just the attractive interest rates, to get a true picture of what you will receive at the end.

Happy New Year 2014

Agneepath- Fire Walk

Agnipath :-

वृक्ष हों भले खड़े
हों घने, हों बड़े
एक पत्र छाँह भी
मांग मत! मांग मत! मांग मत!
अग्निपथ! अग्निपथ! अग्निपथ!

तू न थकेगा कभी
तू न थमेगा कभी
तू न मुड़ेगा कभी
कर शपथ! कर शपथ! कर शपथ!
अग्निपथ! अग्निपथ! अग्निपथ!

यह महान दृश्य है
चल रहा मनुष्य है
अश्रु-स्वेद-रक्त से
लथ-पथ! लथ-पथ! लथ-पथ!
अग्निपथ! अग्निपथ! अग्निपथ!

Vriksh hoN bhale khade,
hoN ghane hoN bade,
Ek patra chhaNh bhi
maang mat, maang mat, maang mat,
Agnipath, Agnipath, Agnipath.

Tu na thakega kabhi
tu na thamega kabhi
tu na mudega kabhi,
Kar shapath, Kar shapath, Kar shapath,
Agnipath, Agnipath, Agnipath.

Ye Mahaan Drishya hai,
Chal raha Manushya hai,
Ashru, swed, rakta se
Lathpath Lathpath Lathpath..
Agnipath, Agnipath, Agnipath.

Even if there be trees (around)
shady and huge,
for the shade of a single leaf
don't ask, don't ask, don't ask..
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

You will never stop,
You will never halt,
You will never turn,
Take this oath, take this oath, take this oath
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

It's a great scene,
The man is walking,
in tears, sweat, and blood,
soaked, swathed,
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

Discover Your Hidden Powers. Experience a source of High Energy and Self-realization.

Agnipath :-

वृक्ष हों भले खड़े
हों घने, हों बड़े
एक पत्र छाँह भी
मांग मत! मांग मत! मांग मत!
अग्निपथ! अग्निपथ! अग्निपथ!

तू न थकेगा कभी
तू न थमेगा कभी
तू न मुड़ेगा कभी
कर शपथ! कर शपथ! कर शपथ!
अग्निपथ! अग्निपथ! अग्निपथ!

यह महान दृश्य है
चल रहा मनुष्य है
अश्रु-स्वेद-रक्त से
लथ-पथ! लथ-पथ! लथ-पथ!
अग्निपथ! अग्निपथ! अग्निपथ!

Vriksh hoN bhale khade,
hoN ghane hoN bade,
Ek patra chhaNh bhi
maang mat, maang mat, maang mat,
Agnipath, Agnipath, Agnipath.

Tu na thakega kabhi
tu na thamega kabhi
tu na mudega kabhi,
Kar shapath, Kar shapath, Kar shapath,
Agnipath, Agnipath, Agnipath.

Ye Mahaan Drishya hai,
Chal raha Manushya hai,
Ashru, swed, rakta se
Lathpath Lathpath Lathpath..
Agnipath, Agnipath, Agnipath.

Even if there be trees (around)
shady and huge,
for the shade of a single leaf
don't ask, don't ask, don't ask..
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

You will never stop,
You will never halt,
You will never turn,
Take this oath, take this oath, take this oath
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

It's a great scene,
The man is walking,
in tears, sweat, and blood,
soaked, swathed,
(Walk on the) Path of Fire, (Walk on the) Path of Fire..

Discover Your Hidden Powers. Experience a source of High Energy and Self-realization.