tag:blogger.com,1999:blog-87455566418004214792024-02-21T08:41:50.989-08:00Finance, Aadhaar Information, Loan, Insurance BlogSeema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.comBlogger63125tag:blogger.com,1999:blog-8745556641800421479.post-54870782041974943892020-02-28T02:43:00.000-08:002020-02-28T02:48:19.880-08:00Top 7 Best ELSS Tax Saving Mutual Funds to invest<div class="MsoNormal">
<span lang="EN-US">Mutual fund investments especially ELSS funds are currently among the most popular investment options available to an individual investor who is seeking to make their capital grow. However, not all tax savings mutual funds are created equal and thus it is important to know which the best tax saver funds are. Such a list is designed to help investors make an informed decision and make the most of their tax saving investments. The following in no particular order is a short list of the 7 <b>best ELSS funds</b> to help you grow your investments faster.<br /></span><br />
<span lang="EN-US"><b>Check here:</b> <a href="https://www.paisabazaar.com/mutual-funds/best-elss-funds-for-saving-tax/" target="_blank">Best ELSS Mutual funds 2020 - Top 10 Tax Saving Mutual Funds in India</a></span></div>
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<b>DSP BlackRock Tax Saver Fund</b></h2>
DSP BlackRock Tax Saver Fund has been making waves ever since it underwent a management change in 2015. In the past year, this scheme has provided over 26% ROI, one of the highest in the category, which makes it rank among the <b>best ELSS funds</b> currently available for investment in India.<br />
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<b>Axis Long Term Equity Fund</b></h2>
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<span lang="EN-US">The Axis Long Term Equity Fund is by far the most popular tax saver mutual fund currently available in the market. In recent times, this mutual fund investment has provided relatively lower ROI as compared to many of its peers, but with annual returns of over 20% annually, it is still a popular investment option with potentially high future returns.<br /><o:p></o:p></span></div>
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<b>Reliance Tax Saver Fund (ELSS)</b></h2>
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<span lang="EN-US">The Reliance Tax Saver Fund (ELSS) has consistently beaten its peers as well as its benchmark almost every year since its inception. Even in a tough year for equities like we observed in 2016, this Reliance AMC fund makes it on the <b>best ELSS funds</b> list having garnered returns in excess of 29% annually in FY 2016-2017.<br /><o:p></o:p></span></div>
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<b>Birla Sun Life Tax Relief 96</b></h2>
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<span lang="EN-US">The Birla Sun Life Tax Relief 96 fund was first introduced for investment in 1996 and since then it has managed to hold its own through multiple market booms and busts. Having followed a multi-cap investment strategy in the past few years, the fund has shown robust growth with an ROI exceeding 23% in the past year.</span></div>
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<b>Birla Sun Life Tax Plan</b></h2>
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<span lang="EN-US">Odd though it may seem, Birla Sun Life Mutual Fund AMC is one of the few fund houses that has managed to produce not one but 2 of the <b>best ELSS funds</b> out there. The returns of the Birla Sun Life Tax Plan for the previous year exceeded 23%, which makes it one of the best performing tax saver mutual funds out there.<br /><o:p></o:p></span></div>
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<b>Franklin India Tax Shield</b></h2>
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<span lang="EN-US">It would be plain impossible to create a best mutual fund list even a <b>best ELSS funds</b> list without at least one product of Franklin India Mutual Fund AMC appearing on it. The Franklin India Tax Shield is the premium tax saver fund available in India right now an even though 2016 might have been a tough year for this open-ended fund, we expect it to perform much better than its previous year’s 23% ROI in the coming years.<br /><o:p></o:p></span></div>
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<b>Mirae Asset Tax Saver</b></h2>
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<span lang="EN-US">Mirae Asset Management AMC is the veritable new kid on the block and its ELSS tax saver fund was launched pretty recently in December 2015. However in less than 2 years, this mutual fund has distinguished itself by providing an annual ROI in excess of 38% in the past year. Even though this fund deserves inclusion in the <b>best ELSS funds</b> list based on just its past year’s returns, its aggressive strategy of high exposure to mid and small cap mutual funds might actually be a problem in the long term.</span></div>
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<span lang="EN-US"><b><span lang="EN-US" style="font-family: "calibri" , "sans-serif"; font-size: 11pt; line-height: 16.8667px;">Conclusion</span></b></span></h2>
<span lang="EN-US" style="font-family: "calibri" , "sans-serif"; font-size: 11pt; line-height: 16.8667px;">The above <b>best ELSS funds</b> list is meant to be short and designed to serve as a guideline only. Once must always remember that mutual fund investments are subject to a degree of risk especially because they are market-linked investments and prone to uncertainty. However, more often than not, a fund that has performed well in the past tends to perform almost equally in the future too unless there is a marked change in strategy or a change in fund management.</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-57401733535776552222018-06-27T11:58:00.000-07:002018-06-27T11:58:42.281-07:00Best Methods on Facebook Supporters<div style="text-align: justify;">
Obtaining followers on twitter is not consequently problematic in the event you just do it appropriate. Online business people go crazy discovering strategies about discover ways to obtain tweets enthusiasts rapidly. In operation, every second will be efficient along with sacrificing their occasion obtaining brand-new followers on his or her tweets account can be doubling their workloads. Nevertheless there are ways on how to acquire twitter fans quick and I'd choose to talk about this along. You can need to have this info to cultivate your company.</div>
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If you need to entice a lot more guests and also increase brand-new twitter followers, it's important to create a holding user profile inside twitter. Create a real photograph regarding your own house, tailored it and ensure in which what you may have written in the resource will be detailed. Moreover, compose you're the reasons you are a section of twitter. Furthermore, customize the background of one's twitting bank account to seize much more attention so that you acquire implemented instantly.</div>
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After you have an spectacular profile, you might be now prepared to interact socially. Right off the bat you'll carry out would be to search out individuals to follow. Exactly where is it? Initial, visit to whom in order to follow" website throughout twitting in order to find those with the identical curiosity because your own house. Or maybe if you're not contented, you should utilize applications upon twitter whereby you will discover certain persons to change to become the perfect twitter supporters. </div>
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Finally, you are able to seek for local community sites or even walk web sites in which twitter buyers sign up for. Folks on that site are going to observe and turn into followed if you 've got exactly the same issues in keeping. It's a manual tactic to getting twitter followers though quite effective.</div>
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Which is the greatest and also no-cost approach upon getting more tweets followers. Due to the followers will be the similar along, this gainer's be arduous that you should connect to all of them. This method could be very effective. Just be helpful and try to assist them his or her factors as well as for good you will be adopted.</div>
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By simply tweeting inspiring rates, motivating emails they might require might make them including you for certain. Which maybe time they are going to build for your faithful fans. Which is the period that the enthusiasts of one's friends will add anyone while nicely along with to his can be an efficient issue! For internet marketers, you have to twitter update linked information regarding your merchandise as well as solutions.</div>
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This strategy is extremely ideal for on-line internet marketers along with need-to-be well-known individuals due to in a very brief time frame; they're going to find twitting enthusiasts without having to spend some time and. The dealer in the facebook followers will be the one particular performing it for you personally. This way, it will save you your time and efforts via receiving supporters physically and will also be further productive with your organization as well as crucial things.</div>
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Revealing diverse twitter posts is named rewet once you find twitter posts which were value to talk about after that rewet this. It'll probably moreover supply help expose you to diverse tweets consumers.</div>
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Simply by retreating attention-grabbing twitter updates and messages, men and women will including you and also can definitely include you. Simply make sure that to never go crazy. The excellent and different tweets tend to be most highly valued by a lot of of which.</div>
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Barbara Elliott is well-experienced writer and blogger at <a href="https://phdify.com/">PhDify.com</a>. She knows a lot about staff development, job searching and human resources management. Also Barbara enjoy Design and Photography.</div>
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Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-66571016702779658522018-06-26T10:49:00.000-07:002018-06-26T10:49:15.683-07:00Get a Good and Cheap Car with the Help of Secured LoanWe can find that many benefits are offered to us when we apply for a secured loan. Relatively you will be presented grand terms, APR, and your loan gets approved easily. Due to the verity to facilitate with this nature of loan you as the borrower are giving up security to the loan provider to employ in case of non-payment.<br /><br />So there is always very less peril to the loan provider and they will give you as much loan as you want, at the rate of interest you want. When applying for a loan you need to offer some value such as your home. Even when you apply for secured car loans you have to fill the form and submit your documents, which would prove that you are the resident of the country.<br /><br />Unlike the secured loans, the car finance or the car credit also have many formalities to be fulfilled and also an application is to be filled up. And once you have finished filling the application, then with in span of one hour you will get the response from the lender.<br /><br />But unlike other loans here you have to give some important information of yours like your proof of employment, verifiable tax information, active bank statements, credit history reports, proof that you are 18 years and older, your recent tax returns, proof of ownership of collateral. And for secured loans there are many forms of collateral like some people offer their car, ship but mostly offer their home.<div>
<br /><b>Tips for the Low-Priced Car Insurance Rates</b><br /><br />It might be more suitable to shell out your KS car insurance once in a month by regular removal but this alternative is more costly for the assurance company to put into practice. If you can manage to pay once in a year, you are putting aside the assurance corporation some executive expenses. This discount is supposed to be agreed all along to you.<br /><br />When you purchase accident and inclusive coverage for your means of transportation, you are receiving coverage for the alternate price of the car. This is dissimilar from getting coverage that will finance a latest car if you are in complete debt. In a circumstance where you are making expenses on your car, the lender will probably be adamant that you boast with this sort of coverage. But when your car is being shelled off it might not make lots of sense for you to carry on to have this defense in place.<br /><br /> If your car is totally free from the finance and at present its value is less than $1,000, you may want to keep your liability assurance in place as well as go down to the different reporting. This would save you a small amount of funds, which can be used for other purpose.</div>
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<span lang="EN-US" style="font-family: Calibri, sans-serif; font-size: 12pt; line-height: 107%;">Barbara Elliott is an
insurance consultant. She knows about </span><span lang="RU" style="background: white; font-family: Calibri, sans-serif; font-size: 12pt; line-height: 107%;">current developments in business and finance</span><span lang="EN-US" style="background: white; font-family: Calibri, sans-serif; font-size: 12pt; line-height: 107%;">, how to b</span><span lang="RU" style="background: white; font-family: Calibri, sans-serif; font-size: 12pt; line-height: 107%;">uild and maintain working relationships with companies</span><span lang="EN-US" style="background: white; font-family: Calibri, sans-serif; font-size: 12pt; line-height: 107%;">. Also Barbara has a blog at <a href="https://phdify.com/"><span style="color: black; mso-themecolor: text1;">https://phdify.com/</span></a>
, where she makes her academic writing perfect.</span></div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-66533023840320191332018-05-28T02:00:00.001-07:002018-05-28T02:00:36.284-07:00How to Save Tax in FY 2018-19<div style="text-align: justify;">
Paying taxes is important keeping in mind the country’s public infrastructure and facilities. When we want our country to prosper with all good infrastructure and facilities, paying tax is one way to contribute towards it. Studies show that only one-third of the total population in India is eligible to pay income tax. This is because India is a developing country and a significant amount of people earn less than 2.5 lakh annually. Hence, every individual who earns a taxable income should be proud to be a part of a taxpaying population of India.</div>
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While paying tax is a statute in India, there are also a good many ways to save your tax outgo legally. Anyone earning less or equal to 2.5 lakh per annum do not have to pay tax. However, any income earned more than 2.5lac is taxable under different tax slab. Note that the tax rates are bound to escalate with every minor boost in income. So regardless of how much taxable income you produce, the government also provides certain tax-exemptions & deductions with which you can save tax legally and pay a lesser amount of income tax eventually. Here is a lookout for few such tax-saving options:-</div>
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<b>1. Tax-saving option u/s 80c of the I-T Act, 1961</b></div>
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The most popular tax-saving options for individuals and members of Hindu Undivided Families (HUFs) are provided under this section of the I-T Act. Section 80c of the I-T Act includes various expenses and investments on which a taxpayer can claim the deduction and enjoy maximum savings. The maximum amount of deduction one can claim under section 80c of the I-T Act is Rs. 1.5lac. The taxpayers can use this entire amount in one financial year to reduce their tax outgo.</div>
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<b>2. Tax-saving options other than section 80c of the I-T Act 1961</b></div>
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Apart from the tax exemptions provided to people under section 80c, there are quite a lot of health insurances premiums, home loan and post office saving schemes with which one can save money on income tax. In addition to this, taxpayers can also save a good amount of tax by creating a Hindu Undivided Family (HUFs) - a group of married Hindu individuals. HUF would also include a creator or Karta and his/her family members. The advantage of creating a HUF is that you can divide your income into two entities – one is you yourself as an individual tax-paying entity and second is via HUFs. This way you can claim tax deductions twice and save money significantly in the long run.</div>
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<b>How you can save tax in the financial year 2018-19?</b></div>
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The basic criterion to save tax is same as that of the previous year like you must start preparing your tax-saving reserves at the start of the financial year. Most taxpayers start preparing for it at the eleventh hour when the financial year is about to end. As a result of which they are not left with enough time to plan things smartly and options for investment. More often than not, decisions taken in haste do not prove to be beneficial. If you plan at the beginning of the financial year, you will have ample of time to pick and choose the best investment option that may not only help you save tax but also assist you in fulfilling your long-term goals. You must also note that the tax-saving investments you make at the beginning of the FY 2018-19 should be used to make wealth as well and not just to save tax.</div>
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<b>Things to keep in mind while making tax-saving investments for the FY 18-19</b></div>
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1. Check whether the tax-saving expenses that you are making now shall be claimed later or not. This includes expenses related to your child’s tuition fees, insurance premium, health insurance, investment in savings scheme to name a few. Deduct this amount from 1.5 lakh to understand how much more you need to invest. Always remember that you need not have to invest the entire amount that is taxable if the operating expenses are covering some portion of it.</div>
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2. Always choose your tax-saving investments keeping in mind your goals. Investment in Equity-Linked Savings Scheme, Public Provident Fund (PPF), National Saving Certificate (NSC), Sukanya Samriddhi Yojana, EPF, NPS are some of the popular options that come with a significant amount of tax savings benefits.</div>
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<b>Conclusion: -</b> In the recent announcement, the standard deductions are made under budget 2018, while the structure of the income tax slab remains the same. In addition to this, the tax liability of citizens has also been raised in the union budget 2018 except for some categories of senior citizens. For this reason, the taxpayers of the country are required to be more vigilant in making tax-saving investments.</div>
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<b>A word of advice: -</b> Since tax-saving is a complicated process, you need to be calm and composed while making decisions. Also, blindly following your fellow colleagues and making same investment may not always work in your favor. This is why it is imperative to look at your goals and profile before making an investment. Also, investing the entire amount that is liable for a tax deduction (as per your income slab) is not important if your expenses are covering it.</div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-83697419460671525232018-05-28T01:33:00.002-07:002018-05-28T01:35:56.808-07:00All You Want To Know About Post Office Schemes<div style="text-align: justify;">
Post office is one of the major banking service providers in India. It is owned and managed by the Indian government. The fact that the Department of Posts offers several investment schemes for all genres of people is the reason why most people especially senior citizens and retirees prefer post office schemes over other investment avenues. If you’re also planning to invest in post office schemes, here’s a sneak peek into the details of everything you want to know about the post office schemes.</div>
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<b>Different Types of Post Office Saving Schemes<br /><br /></b></div>
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<b>1. Post Office Savings Account: -</b> The post office savings account is opened only by the cash deposit of a minimum of Rs 500/-. To keep the account active, at least one transaction each of deposit and withdrawal has to be made using this account in three financial years. The deposit and withdrawal of money in the post office savings account can be done through electronic mode at the core-banking (CBS) post offices. An account holder can transfer their PO savings account from one post office to another as and when required. To avail the cheque facility, maintaining a minimum balance of Rs.500/- in the account is a must. However, minimum balance to be maintained is a non-cheque facility account is Rs 50/-.</div>
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<b>2. Sukanya Samridhi Yojana: -</b> This scheme is for better rearing and bright future of your daughter. The Sukanya Samridhi Yojana scheme can be taken for your girl child of up to 10 years of age. Parents of a twin-girl child can open a maximum of 2 accounts under this scheme. The minimum of Rs.1000/- can be deposited in this scheme and it may exceed a maximum of Rs 1, 50,000/- per year. Legal guardian or parents can open the account in the name of the girl child. Sukanya Samridhi Yojana scheme can be closed after completion of 21 years. One can even opt for a normal premature closure of the account after completion of 18 years however the girl should be married by then.</div>
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<b>3. Senior Citizens Savings Scheme (SCSS): -</b> Any individual aged over 60 years of age can open this account. Plus, retirees on superannuation or under VRS can also enroll in for this scheme provided the account is opened before the completion of one month of the receipt of retirement. The maturity period of SCSS is 5 years and one can run more than one senior citizens savings account both singly and jointly with their husband or wife.</div>
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<b>4. Kisan Vikas Patra: -</b> It is a savings certificate scheme launched by the Department of Posts in the year 1988. As part of the scheme, an individual can purchase the certificate also known as the Kisan Vikas Patra for himself or on behalf of a minor from any departmental post office. The Kisan Vikas Patra can be transferred from person to the other and from one post office to the other conveniently. Also, it can be en-cashed after one and a half year or two from the date it has been issued.</div>
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<b>5. National Savings Certificate: -</b> This scheme is specially designed for government employees, entrepreneurs and other salaried individuals who are taxpaying citizens of the country. Though there is no maximum limit on the purchase of National Savings Certificates, an investment of up to 1.5 lakh is tax-free u/s 80C of Income Tax Act. </div>
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In addition to this, other prominent post office savings schemes include Post Office Time Deposit Account, Post Office Monthly Income Deposit Account, 5-year Post Office Monthly Recurring Deposit and the most common Public Provident Fund (PPF) scheme. </div>
<div style="text-align: justify;">
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<div style="text-align: justify;">
<b>The interest rates on Post Office Savings Scheme </b></div>
<div style="text-align: justify;">
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<div style="text-align: justify;">
To help you know more about the post office savings scheme, the table below highlights the interest rates of different post office saving scheme:-</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<table align="left" border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 6.75pt; margin-right: 6.75pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-anchor-horizontal: margin; mso-table-anchor-vertical: paragraph; mso-table-left: center; mso-table-lspace: 9.0pt; mso-table-rspace: 9.0pt; mso-table-top: 5.7pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="height: 26.35pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; height: 26.35pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Post Office Schemes</span></h4>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.35pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Applicable interest rates</span></h4>
</td>
<td style="border-left: none; border: solid black 1.0pt; height: 26.35pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Rate of compounding</span></h4>
</td>
</tr>
<tr style="height: 13.7pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Post office savings account </span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">4.00%</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Sukanya Samridhi Yojana</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">8.1%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Annually</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Kisan Vikas Patra</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">7.3%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Annually</span></h4>
</td>
</tr>
<tr style="height: 13.7pt; mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">National Savings Certificate </span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">7.6%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Annually</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Post office monthly income scheme
account</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">7.3%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Annually</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 6;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">15-year Public Provident Fund</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">7.6%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Annually</span></h4>
</td>
</tr>
<tr style="height: 26.9pt; mso-yfti-irow: 7;">
<td style="border-top: none; border: solid black 1.0pt; height: 26.9pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Senior Citizens Savings Scheme
(SCSS)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 26.9pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">8.3%(with effect from 1-07-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 26.9pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 8;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">1 Year Post Office Time Deposit </span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">6.6%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
<tr style="height: 13.15pt; mso-yfti-irow: 9;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">2 Year Post Office Time Deposit</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">6.7%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.15pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
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<td style="border-top: none; border: solid black 1.0pt; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">3 Year Post Office Time Deposit</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">6.9%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
<tr style="height: 13.7pt; mso-yfti-irow: 11; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">5 Year Post Office Time Deposit</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">7.4%(with effect from 1-01-2018)</span></h4>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 13.7pt; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 142.3pt;" valign="top" width="190"><h4 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-element-anchor-horizontal: margin; mso-element-anchor-vertical: paragraph; mso-element-frame-hspace: 9.0pt; mso-element-left: center; mso-element-top: 5.7pt; mso-element-wrap: around; mso-element: frame; mso-height-rule: exactly; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "palatino linotype" , "serif"; font-size: 10.0pt;">Quarterly</span></h4>
</td>
</tr>
</tbody></table>
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<b>The Bottom Line</b></div>
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It is an incongruity that most people in India are not aware of such government-based savings schemes offered by the Department of Post and, thus continues to invest in bank fixed deposits and other related schemes. It may also come as a surprise to many that post office savings scheme constitutes of more than 6lac crore balance in its savings scheme deposits, which is almost half of what the biggest public sector bank SBI holds and twice the deposits ICICI – the largest private sector bank holds in India.</div>
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With its unparalleled reach, post offices cover almost every part of the country with 95 percent pin code coverage. Furthermore, a post office primarily covers a large part of rural areas where there are no banks so far. The process to apply for post office savings scheme is simple and can be useful for the investors in the long run. In addition to this, India Post offers insurance schemes as well and with a huge array of savings schemes that truly transforms it into a financial giant with the best in class reach, brand and saving schemes that Indians trust. Credibility is also not a problem here because the Department of Posts of fully controlled and managed by the Government of India that makes umpteen efforts to make your post office saving experience highly valuable and of use.</div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-48353969950048214892018-03-19T02:29:00.003-07:002018-03-19T02:29:38.240-07:00How to Find the Best Rates for a Loan by Using a Loan CalculatorA loan calculator has appeared as a boon for all those people who like to keep their expenses and financial disbursals streamlined. This online tool is not only used to determine the loan eligibility but is also used to calculate and find the best rates on a loan. To put it simply, a loan is one of the common ways to cope up with the urgent money requirements; however, to settle the loan amount, a borrower has to pay fixed monthly EMIs to the bank throughout the loan term. <br /><br />An EMI stands for the Equated Monthly Installments that the borrower has to pay to the lender within the stipulated period of time. One must calculate the loan EMI prior to getting a loan as it helps him borrow the amount which can be easily repaid. Initially, the interest component of the EMI would be larger than the principal amount, but as soon as the loan depreciates, the principal component forms the major part of the EMI.<br /><br />Here’s the formula to calculate EMI<br /><br />E = P .r. (1+r) n / ((1+r) n – 1), where,<br /><br />E stands for EMI<br /><br />P is the principal loan amount you are applying for <br /><br />R is the interest rate calculated on the monthly basis (it can be calculated as rate of annual interest/12/100. So if the interest charged by bank is 10.5% per annum, it can be calculated as 10.5/12/100 = 0.00875)<br /><br />N is the loan tenure or the duration in number of months <br /><br />So let’s suppose if your borrowed Rs 10, 00,000/- as loan from the bank at an annual interest rate of 10.5% for 10 years (or 120 months) that your monthly EMI would be <br /><br />10, 00,000 * 0.00875 (1+ 0.00875) 120 / ((1+0.00875)120 -1) = Rs. 13, 493/-<br /><br />Now the total amount payable to the bank against the loan will be Rs. 13, 493/- * 120 = 16, 19,220 of which 6, 19,220 will be the total interest that you need to pay to the bank. <br /><br />Applicants who are not good at calculations or are looking for a much simpler way to find the best rate for a loan can use the loan calculator to get accurate results.<br /><br />How to use loan calculator?<br /><br />Loan calculator comes with a user-friendly interface and is extremely easy to use. All you need to do is to visit the official website of the particular bank from where you want to apply for a loan. search for the online loan calculator on the home page of the website and once you find the tool, you need to fill in some essential information related to the loan that includes:-<br /><br /><b>1.</b> The principal loan amount that you want to avail (in Rs.)<br /><br /><b>2.</b> The loan term (in months or years)<br /><br /><b>3.</b> The rate of interest (in percentage)<br /><br /><b>4.</b> Advance EMIs or EMI in arrears (applicable for car loan only)<br /><br /><b>5.</b> Some loan calculator tool may also ask for the processing fee that the bank charges on every loan. <br /><br /> Upon entering these details in the loan calculator, click on “Submit” to get the results instantly. You can make as many searches you want using a loan calculator to examine the monthly EMI and loan amount that you can easily repay. Note that the use of loan calculator is extremely free of cost. Since it can be accessed online, it saves a lot of your time that you would otherwise spend in visiting the bank personally. Accuracy is yet another advantage of using loan calculators. So next time you apply for any loan, your first step will be to search results on the loan calculator and then visit the bank for further queries and apprehensions.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-32152644365716710022018-03-19T02:27:00.001-07:002018-03-19T02:27:33.246-07:00Reduce Your Income Taxes by Owning a Home BusinessTax system is complex. Each year a thousands of people struggle to save tax but end up paying more than they actually should. If you too are amongst such taxpayers, you must seek advice from a tax specialist or an accountant who would guide you on how to deposit your tax wisely. Besides, you may also reduce your income taxes by owning a home business. Here’s how?<br /><br />Let’s suppose you have a full-time job but you are also a travel consultant who runs a small business at home. So now since you run a business from home, you must be using a car to travel back and forth possibly to drop off your business advertising pamphlets. It could also include your supermarket visits, grocery shopping, etc (coincidentally) while on the way to post a flyer or meet some client related to your business, which makes 90% of your automobile expense tax deductible. In view of the fact that you have an office in your house, you claim at least 30% tax deductions from mortgage interest, house maintenance, water bill, electricity bill, rent (if you don’t own a house), repairs made in your house for business, etc. The use of telephone, internet and any other facility that is required to conduct a business from home can also be claimed as business deductions. <br /><br />Furthermore, if your business requires you to travel to places within or outside India, your airfares, meals while traveling, hotel accommodation, car rental, the purchase of any types of equipment like video, camcorder and cell phones are other essential tools for your travel business that will be entirely tax deductible. This way you can save a lot of money that you would otherwise use to pay taxes. However before taking the plunge and claiming tax deductions from your home-business make sure you meet IRS qualification that states that your home should be your principal place of business. However by any chance, you operate your business from a separate location other than your home; you cannot claim deductions for use of your home. Still, IRS determines a few factors to approve the deduction:-<br /><b><br />1.</b> The relative importance of activity that is performed at each of your business location<br /><br /><b>2.</b> How much time you spend at each of your business location<br /><br />If you manage your business solely from home, you’ll have to abide by the following clauses:-<br /><br /><b>1.</b> You use the business place at home solely for business activity, management and administrative purposes.<br /><br /><b>2.</b> Apart from your home, you have no other fixed place to conduct the business management and administrative work. However, you may do some business related work outside your home. For instance, your car.<br /><br /> Other than this, to get the IRS approval, you are required to prepare an IRS audit that ensures that you are not violating any rule or regulation and your home office is used "regularly and exclusively" for business purposes. One important point to note is that home business deductions are limited. You can claim deductions for your home business expenses to reduce your business income for the year, but if you had a business loss, these deductions are not possible in any circumstance. Also, not all home businesses are treated the same and may reduce your yearly taxes. There are special rules applicable to daycare business operations and if you use your home for storage space, you must seek advice from an accountant or tax attorney to come up with a better tax-saving alternative.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-33903769614605501412018-02-14T01:29:00.000-08:002018-02-14T01:29:06.247-08:00Five Easy Blogging Tips For A Profitable Blog<span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-IN; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Creating
a blog is an easy way to get started making money online. However, as with any
business, you need to keep your eye on your blog's profitability. If you're new
to blogging, these five tips will help you to make money with your blog.<br />
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1. Set blog goals</b><br />
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Ideally, you should set your blog's goals before you create your blog. If you
set your goals first, you will be able to estimate the potential traffic you
can attract to your blog, and therefore the amount of income you're likely to
make.<br />
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So before you create your blog, write down:</b><br />
<br />
* Your blog's topic (for example digital photography, <a href="https://photza.com/">photo retouch</a> or diet tips, or whatever topic
you'd like to create a blog about);<br />
<br />
* Use keyword research tools to discover how many people are searching for your
blog's topic online each day:<br />
<br />
If there are fewer than 100 searches, look for another topic. Don't shy away
from topics which have lots of competition online - lots of competition means
that there's a lot of interest, and a lot of traffic too. So if your topic has
5000 search a day, and millions of Web pages, go ahead and create your blog.<br />
<br />
* Decide how you will make money from your blog. Will you sell advertising
space? Sell products? Make a list of revenue streams for your blog;<br />
<br />
* Estimate the income your blog will make in your first, second, third and
fifth years. Yes, this is mainly guesswork, however it will motivate you to
keep blogging when you see your blog's potential.<br />
<br />
If you're completely new to blogging, and have no idea how to set your blog's
goals, then get a blogging mentor, or ask questions at forums. Your blog has
the potential to make a great income for you, if you treat your blogging as a
real business.<br />
<br />
Now you've set some goals for your blog, set up your blog and start blogging.<br />
<br /><b>
2. Diversify your blog revenue</b><br />
<br />
In your first year of blogging, focus on creating content for your blog, and
experiment with various forms of income. There's always a new income-generator
coming out, so test out as many forms of revenue as you can.<br />
<br /><b>
3. Concentrate on content - make it useful</b><br />
<br />
The bigger your blog, the more traffic you'll get from the search engines, and
the more readers you'll attract. Therefore, concentrate on creating good
content for your blog. All the time you spend on content will be rewarded.<br />
<br /><b>
4. Remember to use keywords in your posts</b><br />
<br />
Once your blog's a few months old, the search engines will start sending you
traffic. Keep that traffic coming by writing posts which include keywords, but
don't go overboard. If you keep writing, you'll attract many "long
tail" searchers.<br />
<br /><b>
5. Publicize your blog</b><br />
<br />
Once your blog's making some income, set aside a portion of that income to
promote your blog. There are many ways in which you can advertise your blog;
again, experiment to see which forms of advertising work best for you.<br />
<br />
Watch for other bloggers' advertising, and if you can see that bloggers are
advertising in a particular area month after month, you can be sure that it's
profitable for them, and will perhaps be profitable for you, too.<br />
<br />
So there you have five easy blogging tips which will help you to create a
profitable blog.</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-64834424559981873782018-01-18T04:46:00.001-08:002018-01-18T04:46:46.750-08:00What Is Knowledge Management?<h2>
<b><span lang="EN-US" style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU;">Benefits of Knowledge Management</span></b></h2>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;">Experts get better at what they do by learning
more. Some people can only learn by trying to do things themselves, but most
people learn a lot from each other. When people share expertise fully and
openly, when they write </span><span lang="RU" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: RU; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><a href="https://thewritemyessay.com/"><span lang="EN-US">essays</span></a></span><span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;">, for
example, the sum is greater than the parts. Quantum leaps in knowledge can be
generated when experts collaborate. Then there is simple efficiency. Time and
other resources are wasted every time employees have to learn something through
trial and error, working in isolation. The pace of change and innovation is so
great that one person cannot do it all. When experts collaborate, progress can
be made much faster than any one employee working alone. Speed is the essence
today – speed of execution as well as that of innovation.</span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiekRiD25SR3ivQSIPmDv1KHz4_KS8Xj4BTXUZUGXy9VPRYTdyGwiIRF8txzToHzoEXjImpH06VZ5XQKV-XQLLhIMXbN1TpGcEIK4I2bq7PRJSCCrAXCBTh7gTfGyxMsxwbJ-fD6tlPxMA/s1600/knowledge-management.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="knowledge management" border="0" data-original-height="645" data-original-width="960" height="430" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiekRiD25SR3ivQSIPmDv1KHz4_KS8Xj4BTXUZUGXy9VPRYTdyGwiIRF8txzToHzoEXjImpH06VZ5XQKV-XQLLhIMXbN1TpGcEIK4I2bq7PRJSCCrAXCBTh7gTfGyxMsxwbJ-fD6tlPxMA/s640/knowledge-management.jpg" title="benefits of knowledge management" width="640" /></a></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><br /></span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><br /></span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><b><span lang="EN-US" style="color: #333333; font-size: 11pt; line-height: 107%;">Problems with Knowledge Management</span></b></span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><b><span lang="EN-US" style="color: #333333; font-size: 11pt; line-height: 107%;"><br /></span></b></span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU; mso-hansi-theme-font: minor-latin;"><div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt;">
<span lang="EN-US">Some experts are not that great at
collaboration. They like to figure things out for themselves and can’t be
bothered with passing on their knowledge to others. Many such talented people
also hate the bureaucracy associated with having to document everything they
do. Then there is the old saying “knowledge is power.” Just as knowledge gives
organizations a competitive advantage, individual knowledge workers also know
that the uniqueness of their expertise enhances their marketability.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt;">
<span lang="EN-US">There is also the fact that pooled knowledge may
be better for efficient execution than for innovation. For example, if you want
to know how to make a sale to a client in a foreign country, it is wise to find
out what your colleagues did that worked for them. But innovation often occurs
through live collaboration rather than the accessing of stored knowledge.
Brainstorming does not necessarily tap into existing knowledge. Rather, it
creates new insights out of nowhere. Similarly, many of the greatest
discoveries in science and technology happened virtually by accident. Someone
experiments by trying out solutions on a trial and error basis to see what
emerges. Often, the unexpected results are the more interesting ones. Knowledge
management has a mechanistic ring to it that could stifle the entrepreneurial
spirit of employees who work best in a very experimental way.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt;">
<span lang="EN-US">There is also the common organizational culture
of functional silos where managers are territorial and want to keep the power
of their department’s expertise to themselves. Finally, knowledge becomes
obsolete so fast that it hardly seems worth the effort to capture it. Knowledge
management is still worth doing, however, despite these and other obstacles.
Ideally, it makes less sense to document everything an organization knows than
to focus strategically on the specific areas where knowledge adds the most
critical value, where it offers the greatest competitive advantage.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt; mso-outline-level: 3;">
<b><span lang="EN-US" style="color: #333333; mso-ansi-language: EN-US; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU;">How to Manage
Knowledge<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt;">
<span lang="EN-US">Several knowledge management initiatives have
failed for a number of reasons, one of which is that they are too centrally
driven. They are less interesting to potential users if they feel no ownership
for them. Communities of practice are one way around this problem. Rather than
centralize all knowledge, specific user groups or types of experts are formed
into specialized networks. After effectively localizing the management of
knowledge, the next step is to involve the users in designing a knowledge
sharing process that they can sign up to and will use. This raises the question
of the fundamental purpose of knowledge management. Is it to store knowledge
for all employees to access or is it more about sharing and collaborating in
real time?<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 13.05pt; margin-bottom: 7.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: .75pt;">
<span lang="EN-US">Our educational system stuffs knowledge into the
heads of students that it thinks will be useful to them several years later.
Often, most of this knowledge is lost because students don’t feel a need for it
at the time. It has no application in the here and now for them. A knowledge
management system based on this philosophy is bound to fail. Organizations that
foster live collaboration during an actual project are more likely to succeed.
On the downside, the relevant expertise may not be captured for later use, but
the organization achieves its most important objective – to exponentially
transform the expertise of multiple experts into tangible competitive
advantage.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span lang="EN-US">Author bio</span><span lang="UK">: </span><span lang="EN-US">Necole Hardison, writer and editor </span><span lang="RU"><a href="https://thewritemyessay.com/"><span lang="EN-US">Thewritemyessay.com</span></a></span><span lang="EN-US"><o:p></o:p></span></div>
<span lang="EN-US" style="background: white; font-size: 11pt; line-height: 107%;">Necole graduated Harvard
Business School and studied many executive education programs. She is a
business strategic expert by day and essay writing fanatic by night, writing
all sorts of great content. Necole already helped a lot of people with an essay
writing and does not plan to dwell on it.</span></span></div>
<div>
<span lang="EN-US" style="color: #373737; font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: RU;"><br /></span></div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-70288215701357746992018-01-08T22:44:00.000-08:002018-02-23T03:29:03.537-08:00How Much Income Tax Can You Save, if You Take a Home Loan?Buying your first residential property with the help of a home loan can get you several tax benefits. These deductions will not only enable you to save big on your income tax outgoes but also allow you to manage your expenses efficiently. If you want to learn how much income tax you can save, if you take a home loan, below is the list of deductions that you can claim:<br />
<b><br /></b>
<b>1.</b> Deduction on interest: With every home loan comes the liability of paying EMI. However, the interest amount of the loan EMI can be claimed as a deduction, if you are both the owner as well as the co-borrower of a home for which you have taken home loan. You can claim this deduction in the year the construction of your home is completed. Let’s suppose the construction of your home is completed on 30 September 2015. You can claim the deduction for interest for the complete 12 months in the financial year 2015-16. This way you can claim the deduction of Rs. 2 lacs for the new house you stay in. However, if you have put the same house on rent, the interest of entire year can be claimed as a deduction. <br />
<br />
<b>2. </b> Deduction on principal repayment: As the EMI of a loan constitutes both the interest and the principal amount; you will also get benefit for principal repayment. Under section 80C of the income tax act, the part of the EMI which is paid towards the principal can be claimed for deduction. For this, you can calculate the yearly principal amount and claim it for deduction. You can claim Rs. 1.5 lac as a deduction under Section 80C.<br />
<br />
<b>3.</b> Tax deduction on pre-construction interest: You can also claim a deduction for pre-construction interest of your home loan but make sure you make these claims in the beginning of the financial year in which the construction is completed. For this, you must first add the entire pre-construction interest and then claim it in equal payment. Your total deduction on pre-construction interest should reach more than Rs 2 lacs if you reside in the same house and not putting it on rent.<br />
<br />
<b>4.</b> Deduction on registration charges and stamp duty: Under section 80C of the income tax act, you can claim the deduction on stamp duty and registration charges as well. But this deduction is only claimed in the same year these payments were made.<br />
<br />
<b>5.</b> Deduction under section 80EE: You can claim tax deduction under the section 80EE if you are the first-time buyer whose property price is not more than Rs 40 lacs and those who have borrowed the loan of Rs 25 lacs or less. To claim this deduction, another clause is that your home loan should have been approved in between April 1, 2013, to March 31, 2014. Under this section, you can avail a maximum deduction of Rs. 1 lac which can be claimed in any one financial year, i.e. 2013-14 or 2014-15. However, this benefit does not exist for the current financial year 2015-16. <br />
<br />
<b>Conclusion:</b> Home loan comes as a boon for those who want to buy their own house and these income tax deductions certainly act as the cherry on the cake. With these deductions, new homeowners can save big but only if these claims are made on time. In addition to this, a little awareness of all types of tax deductions is important to act accordingly. For your further help, many websites provide tax saving calculators with which you can easily find out how much tax can you save if you apply for a home loan. These calculators have a user-friendly interface, thus can be used by anyone with ease.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-35844603951325097432018-01-05T03:03:00.000-08:002018-02-23T03:28:03.309-08:00Securing Your Retirement Through Mutual FundsRetirement and pension plans are identical. Whenever someone thinks about saving for retirement, the pension plan is the first thing that comes to their mind. However, with time, mutual fund schemes are treated as one of the finest retirement schemes which are better to manage and more flexible way to save for the retirement. This article delves deeper and talks about how mutual fund investments can be used towards better and tax saving and retirement planning.<br />
<br />
But before getting into the details, one must know that retirement planning with best mutual funds schemes has three phases – accumulation of funds, preservation, and distribution. In the accumulation stage, funds are invested in the different portfolio according to investor’s risk profile and time prospect towards retirement. The preservation and distribution phase, however, go parallel with each other and these stages come at the age of retirement. In both these stages, the investor first preserves the accumulate fund which also earns him income in his retirement days.<br />
<br />
To be precise, the money in mutual funds is first accumulated and in the latter part, it gets distributed in the form of monthly income to the investors after their retirement. Securing your retirement through best mutual fund investment schemes is flexible, convenient and can be initiated online with mere few simple clicks. In addition to this, there are a variety of mutual funds available, you just have to decide on the asset allocation you want to invest in, and make an investment portfolio consisting of all the low risk and high-risk funds. <br />
<br />
Since mutual funds investment for retirement is a long-term investment, so you must invest in diversified equity fund that is a combination of large and mid-cap funds. In case of debt, always choose the long-term debt option. For gold allocation, there are gold ETFs and other long-term gold savings fund available for investment. You may also consider investing in different real-estate portfolios if this domain is flamboyant.<br />
<br />
<h3>
Why are mutual funds better than any other retirement plans?</h3>
Gone are the days when retirement savings was more about investing in pension plans, fixed deposits, etc. Today investing in best mutual funds scheme has become the most common type of investment. Though it is subject to market risks, it also claims to provide the largest benefit to the investor in the long run. Other benefits of mutual fund are:-<br />
<br />
<b>1.</b> Mutual funds are flexible in nature. Unlike pension plans, Mutual Funds do not restrict investors for making a regular payment or making complete or partial withdrawals in between. Also, you may withdraw your investments anytime with no penalties.<br />
<br />
<b>2.</b> Mutual funds come with tax benefits. Long-term capital gains from equity mutual funds are completely tax-free. In debt mutual fund, it is 10% before indexation and 20% after indexation.<br />
<br />
<b>3.</b> Mutual funds are transparent and user-friendly. Here you can choose fund as per your choice. Also, information related to fund managers; associated risks, objectives, etc are publically available.<br />
<br />
<b>4.</b> A mutual fund is a disciplined approach to save for your retirement. Investments if made regularly and in the right fund type are likely to earn good returns for the investors.<br />
<br />
<b> Note:</b> No mutual fund is perfect for all categories of investors. Therefore to determine the most suitable mutual fund for investment purpose; one must consider three factors - Cash requirement, Time Frame, and Tax efficiency. In addition to this, a thorough research should also be done on the list of advantages of disadvantages associated with each fund type before making an investment.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-54222459482958025892018-01-04T03:07:00.000-08:002018-02-23T03:27:36.511-08:00Earn More Returns on Your Mutual Fund Schemes; Switch To Direct Mutual FundsMutual Funds are one of the best investment plans that are professionally managed and can accumulate money from several investors to get various securities like stocks and bonds. Nowadays, investment in mutual fund is more simplified than buying and selling of individual stocks. Mutual Funds can provide you highest returns compared to any other investment schemes.<br />
<br />
Mutual Funds can get you to achieve the desired goals and earn returns on your investments, but you must be aware of the type of mutual funds that comes with a certain risk profile and returns. You need to be careful and aware before choosing the type of mutual funds investment to make the maximum returns on your investment.<br />
<br />
You can invest in a mutual fund scheme under two ways:<br />
<br />
<b>·</b> Through a mutual fund distributors (Regular plans)<br />
<br />
<b>·</b> Directly with the funding firm (Direct plans)<br />
<br />
Under Regular Mutual Funds, investment is done with the help of a distributor or a channel partner. Investment made from regular distributor or online fund investment comes under regular plans. You need to pay commission in regular plans, which differ across schemes and distributors. Mutual fund does not directly charge the commission, it gets paid from the fund itself and thus it affects your profits indirectly.<br />
<br />
Under the Direct Mutual Fund, you get the facility of managing funds in a better way than the experts as you go to the mutual fund house directly for investment. As there is no role of any distributor or agents in direct mutual fund, there is no need of paying any commission or transaction fees to brokers. This is the reason that the expense ratio is less for direct plan when compared to regular plan. Expense ratio comprises of fund management fees, operational, marketing and fund distribution expenses. Lower expense ratios mean less cost and high returns, which is the primary reason why direct plans NAV is higher than regular plans NAV.<br />
<br />
<h3>
Advantages of Direct Mutual Funds over Regular Mutual Funds</h3>
<div>
<br /></div>
Let us go through the advantages of investing in direct mutual fund. Making investments in direct mutual funds have become much easier and stronger than before. Check out the advantages of the same below.<br />
<br />
<b>·</b> The expense ratio is lower in direct mutual fund than regular mutual fund as there is no role of intermediaries or distributors and you don’t have to pay any transaction fee or commission to them, which makes higher returns for investors<br />
<br />
<b>·</b> The investor gets high returns on his investment in direct plans in long term and it becomes beneficial for the investor if invested in retirement plan to get the benefit of 15-20 years<br />
<br />
<b>·</b> The Net Asset Value (NAV) is higher in direct mutual funds than regular mutual funds<br />
<br />
<b>·</b> The investor earns 25 to 75 basis points higher in direct equities when compared to regular plan that is 0.25% to 0.75% more returns per annum<br />
<br />
<b>·</b> The funds are managed by professionals in a better way to yield more returns<br />
<br />
Some tips on Selecting Direct Mutual Funds<br />
<br />
<b>·</b> As direct plans are cheaper, one should not consider low price as a criterion for fund selection<br />
<br />
<b>·</b> Always select a fund with a good track record<br />
<br />
<b>·</b> Select funds in consideration with your risk profile<br />
<br />
<b>·</b> Funds should be from diversified fields to lessen the risk<br />
<br />
<b>·</b> Keep an eye on stable funds rather than high return funds to reduce the losses at the time of economic failure<br />
<br />
<h3>
How do I buy a Direct Plan?</h3>
<div>
<br /></div>
Direct Mutual Fund can provide higher returns compared to regular mutual fund plans. However, many of us do not know how to invest in mutual funds directly. Until recently, making an investment in direct mutual fund was far from simple. Nowadays, online investment advisers come with the convenience of one time registration and give recommendations about the best possible funds to assist you buy any direct mutual fund of your choice.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-53450109012408716602018-01-03T03:13:00.000-08:002018-02-23T03:26:41.057-08:00Is Lump Sum Investment in Mutual Funds a Good Option?<div style="text-align: justify;">
The option of investing in mutual funds has been gaining popularity among investors in India recently. The biggest issue with mutual funds for Indian investors has been that they invest in the equity and debt markets which are evidently subject to risks.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
However market risks haven’t deterred investors to invest in mutual funds and the investments in this investment tool has been rising steadily. Lump sum investments are usually made in equity mutual funds thus for the purpose of this article mutual funds means equity mutual funds unless otherwise mentioned. Any investor knows that all kinds of investment tools are subject to the inherent terms and conditions of its governing factors. Lump sum investment in mutual funds is also a good option depending on a few factors; please find them discussed below: </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>1.</b> Use the P/E ratio as benchmark: New investors usually wait for the right time to buy (invest) and the right time to sell (redeem) mutual fund units but one should understand that it is next to impossible to determine the best time to do so. However to judge the market you can use the Price/Earning (P/E) ratio of a mutual fund as a benchmark. P/E ratio is valid for equity mutual funds and a fund’s P/E is calculated on the basis of its portfolio. Remember, when calculating a fund’s P/E for investment, one should consider its earnings from the last four quarters. If the fund’s P/E ratio is low then the chance of earning a profit from it is more, i.e. an equity mutual fund of SBI mutual funds with a P/E of 15 may fetch you better earnings than an equity mutual fund of the same fund house with a P/E of 22. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>2.</b> Be in it for the long-run: If you are investing a large amount in equity mutual funds, then maintain your investments for a long tenure. The disadvantage of being short-sighted with lump sum investment in mutual funds is that if the market corrects itself significantly you will suffer a terrible loss in that moment. However with time the market and your mutual fund portfolio will stabilize by bottoming out (i.e. by stopping to fall any further). This is why it is recommended by experts to invest lump sum in an equity mutual fund only after evaluating the fund’s performance over a long period of time and if you invest a large amount in a fund, then be in there for a long haul. </div>
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<b>3.</b> Long-time returns and Low liquidity: Equity mutual funds won’t be able to bring you expected returns on your lump sum investments in a short time of one year. You need to give them at least three to five years or more to outperform your expectations. Also based on the same concept is the low liquidity factor. If you have low liquidity of funds, i.e. you are going to require your funds back in a couple of months or by the end of the year then you need not invest a large amount in equity mutual funds. It’s better to put your money in a debt fund like liquid fund or an ultra-short-term fund. </div>
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<b>4.</b> Patience pays: The saying that patience is the most important virtue is the truest in this case. Equity funds are very volatile which is why their risk is high and the returns in them are high too. Thus, if your lump sum investments face a volatile market in short term you shouldn’t panic and let the fund rationalize so that it offers you good returns in long term.</div>
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<b>5.</b> Go Hybrid: It is understandable if you are not sure of the right amount of time for which to invest your lump sum investment in equity mutual funds. The solution to this problem is a hybrid mutual fund which has an STP (Systematic Transfer Plan). In a hybrid mutual fund, your investments are invested in a liquid fund or an ultra-short term fund where it is earning good returns but you can get the benefit of long term equity investments too with them through the hybrid fund STP system. STP systematically transfers a pre-determined portion of units from your liquid mutual fund/ultra-short term mutual fund to the equity mutual funds part of the portfolio. Thus it gives you the best of both worlds, investments in short-term funds and long-term funds both. </div>
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Lump sum fund investments are better for long term mutual fund investments. The tenure for large investments shall ideally be as long as possible but at least three to five years so as to give the funds a time to stabilize and provide you good returns on annualized yields. If long term investments doesn’t suit you then it is better to invest in a hybrid fund or a debt fund or a liquid fund however if you are okay with putting in a large sum of money, which you may not need for a decade or so, in mutual funds units (i.e. in mutual funds provided by the fund house SBI mutual funds) then as per experts the returns of this large investment will be high because just like in real life, in the case of mutual funds too, fortune favours the brave.</div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-11334521610451722462017-10-05T12:24:00.000-07:002017-10-06T06:41:57.186-07:00Why Writing with Emotion Is Key<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US; mso-no-proof: yes;">The
world is ruled by emotions</span><span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">. The fate of civilization is in the possession of human beings. How do you think how many
emotions a person can experience? Psychologists talk about a few basic
emotions. They include gladness, anger, sorrow, surprise, disgust, shame,
guilt. And every emotion has the scale of tints. For example, the different
degree of fear has the name: fright-fear-horror-panic. The same applies to otheremotions. If to count up all emotional tints which a man is able to experience, it is possible to count
84 000 (!) emotions and states.</span><span lang="EN-US"><o:p></o:p></span></div>
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<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;"><b>A Few Words About
Importance of Emotions in Our Life</b><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">Exactly emotions
are those paints which create the picture of our days. They determine how you
will estimate your previous days and years looking forward to your past.
Those events that were not emotionally colored are quickly forgotten. We
only remember things that are significant and evoke strong emotions. </span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">Emotions are an
integral part of life, like breathing. They allow us to:</span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; mso-ansi-language: EN-US; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">adapt to the surrounding environment and survive;</span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; mso-ansi-language: EN-US; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">set up a contact with other living entities;</span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; mso-ansi-language: EN-US; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">regulate the behavior;</span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "symbol"; mso-ansi-language: EN-US; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">specify the mood and inner state.</span><span lang="EN-US"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-align: justify; text-indent: -18.0pt;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">Emotions allow us
to experience reality. It is possible to say that we always look at the world
through the magnifying glass of emotions. If we have pleasant emotions, it
seems to us that the world is kind and wonderful, and all people around us are
exceptionally good and friendly. If we look through the magnifying glass in bad temper, it seems to us that all around
us is gloomy and hostile, and surrounding space is rather unpleasant. The
famous professor of psychology Carroll Izard considers that «emotions determine
the way of life and set the programs of cognition and conduct.» This
also explains the importance of emotions in the written text that we read.</span><span lang="EN-US"><o:p></o:p></span></div>
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<span lang="EN-US" style="background: white; font-size: 16.0pt; mso-ansi-language: EN-US;"><b>Emotional
Text</b></span><span lang="EN-US" style="font-size: 16.0pt; mso-ansi-language: EN-US;"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; font-size: 16.0pt; mso-ansi-language: EN-US;"><br /></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">Text plays an
enormous role. It determines a mood and an attitude toward the world. Sometimes
it is enough to show a few good emotions in
order to change a mental state of a persona, to make him happier, kinder
and better. But the main thing is to make him more loyal, and it is known and
used by marketers and copywriters. The secret is simple here: if the visitors on your site rest, read pleasant,
bright and unique texts, it will be far pleasant for them to make purchases. The well-written article <a href="https://blablawriting.com/free-plagiarism-checker" target="_blank">without plagiarism</a>
is able to manage the emotions of a
potential buyer and his mood. It is not easy to transfer a mood with the help
of the worlds, it is better to feel it for yourself, and nothing is able to cope with it better than a
well-written text. The text that was written by a professional is easier to
read than the rewrite in the third stage. Of course, it should be not only
emotional but also unique that can be confirmed
with the help of plagiarism checker. A grey text is already a long ago out of
fashion, and it brings no effect, except for disappointment. Therefore, if you
want to change the
mood of your visitors and increase
your conversions, the best way is to create emotional articles. Such a copy
will cause the mass of positive emotions in your potential buyers. These can be
smiles and laughter or serious, restrained beauty, landscape and portraits,
advance-guard and classic style; you are able to
create truly interesting content for your resource.</span><span lang="EN-US"><o:p></o:p></span></div>
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<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; font-size: 14.0pt; mso-ansi-language: EN-US;"><b>A Vivid
Example</b></span><span lang="EN-US" style="font-size: 14.0pt; mso-ansi-language: EN-US;"><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; font-size: 14.0pt; mso-ansi-language: EN-US;"><b><br /></b></span></div>
<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span lang="EN-US" style="background: white; mso-ansi-language: EN-US;">Manufacturers of
cosmetics have long excelled in the art of "emotional texts." The
myth of "smooth and elastic skin,"
"thick, shiny hair" and "beautiful smile" is sold better
than a dry description of the composition of the product and data about the
manufacturer. Negative emotions can also cause genuine interest in a particular
person, product or service. Sometimes an article in the "yellow
press" or an angry comment on the forum work better than an expensive
advertising campaign. </span><span lang="EN-US"><o:p></o:p></span></div>
<span lang="EN-US" style="background: white; font-family: "times new roman" , "serif"; font-size: 12.0pt;">Thus, an emotion is the main impulse to make a
purchase or conclude a transaction of any kind!</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-31183374165818595262017-09-05T23:02:00.001-07:002017-09-05T23:06:41.322-07:00Where I can Get Updated List of IFSC and MICR Code?In the present times, monetary or fund transfers are not restricted to a country or a bank making it mandatory for financial organisations to carry out a verification procedure before processing funds. To make the verification procedure quicker, financial organisations and banks make use of different codes that simplify and automate their processes. MICR code and IFSC code have a significant role to play in this phraseology. Therefore, it is essential to have a clear understanding of these codes.<br />
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<b>Find here :</b> <a href="https://www.paisabazaar.com/ifsc-code/?utm_source=bloggerpost&utm_medium=bloggerpost" target="_blank">list of IFSC Code</a><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzWvSKNk9__FQchZpnj-ktdSTQARWRk8xkt_JOUAe8NODpp9MblXZ14uZPVVr6IYsS2zdLSQ7FWkU592vVv_nUbH4GVYFUMLRlSblDa-Jv507QRYM9uvejrIg1KxxWqYCt2KtNuIgrOCk/s1600/Where_I_can_Get_Updated_List_of_IFSC.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Indian Financial System Code" border="0" data-original-height="667" data-original-width="1000" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzWvSKNk9__FQchZpnj-ktdSTQARWRk8xkt_JOUAe8NODpp9MblXZ14uZPVVr6IYsS2zdLSQ7FWkU592vVv_nUbH4GVYFUMLRlSblDa-Jv507QRYM9uvejrIg1KxxWqYCt2KtNuIgrOCk/s640/Where_I_can_Get_Updated_List_of_IFSC.png" title="Get List of IFSC Code" width="640" /></a></div>
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<b>IFSC Code</b><br />
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The IFSC code or Indian Financial System code identifies all NEFT and RTGS participating bank branches exclusively. This code is used by electronic payment mechanism applications like NEFT or National Electronic Fund Transfer, RTGS or Real Time Gross Settlement and CFMS or Centralised Funds Management Systems. Individuals who want to transfer funds from one bank to another need to know this code so that the beneficiaries get the funds directly into their bank accounts. It is worth noting that with the use of this code in online transactions, there is no physical dispatch of cheques between the banks and the clearing house involved. This exclusive code mechanism is specifically used for instant money transfers online.<br />
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How is the Indian Financial System Code Formed?</h3>
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The <a href="https://en.wikipedia.org/wiki/Indian_Financial_System_Code" target="_blank">Indian Financial System code</a> is an 11 digit code that consists of alphanumeric characters disclosing the bank name and the exact branch location of the bank. The fifth character of this code is a zero used for accommodating expansions of bank branches. This code is printed on cheque books that are issued to bank account holders. You can get the IFS code of your bank branch by having a look at your cheque slip.<br />
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<b>MICR Code</b><br />
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MICR stands for Magnetic Ink Character Recognition. As is suggested by the name, the MICR code is a character recognition technology that helps in faster cheque processing. The branches of all banks are given exclusive MICR codes as this helps The Reserve Bank of India in identifying the bank branches and in speeding up the cheque clearing procedure. This code is printed on the bottom of a cheque leave of a bank chequebook.<br />
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<h3>
How is the Code Formed?</h3>
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The MICR code is a nine digit numeric code with each three digits signifying important information regarding the bank and the transaction. First three digits of MICR indicate the city code or the city that serves as the location of the bank. Most of the times, the first three digits are the first three numbers of the PIN code of an area. The next three digits signify the code of the bank or the bank identity, and the last three digits indicate the branch code of the bank or the i<br />
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dentity of the bank branch location. So, how and where can you find the updated list of MICR and IFSC codes?<br />
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<h3>
Finding the Updated List of MICR and IFSC Codes</h3>
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It is important for net banking and online banking customers to be knowledgeable about the IFSC and MICR codes of the beneficiaries. The best way of getting hold of the updated list of the MICR and IFSC codes is carrying out an online search. If you go online and search for the updated list of MICR and IFSC codes, you will probably get some sites displaying valuable and useful information about this subject. The only thing that you need to do is type the name of the bank and the branch. There are boxes available on the sites displaying IFSC and MICR codes. You simply need to put the name of the bank in a box and select the bank branch accordingly. You will immediately have a drop down menu that will help you in finding the right MICR and IFSC code for your particular bank branch. However, the best thing that you can do is check the database of The Reserve Bank of India for getting the IFSC and MICR codes of different banks and their respective branches.<br />
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It is also imperative to remember that the exclusive identification characters of the banks keep on changing from time to time as per rules brought forward by The Reserve Bank of India. Therefore, it is essential for individuals to contact their respective bank branches for confirming identification numbers received from third parties.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0India20.593684 78.962880000000041-8.6044825 37.654286000000042 49.791850499999995 120.27147400000004tag:blogger.com,1999:blog-8745556641800421479.post-11501429839118504762017-08-25T05:16:00.001-07:002017-08-25T05:16:19.834-07:00How to Calculate Annual Interest Rate on a Loan<div>
A loan refers to quick disbursal of money that one can take from banks to meet sudden expenses that may arise at any time. But before applying for a loan, it is important to <a href="https://www.paisabazaar.com/emi-calculator/" target="_blank">calculate interest on loan using EMI calculator</a> or spreadsheets.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWo6YXd2oHwyqy4mcLs9nBp_03lelj3iLowumU5cI06UUB9gHbpJirfdea4PMkFwlRS2kTG_GbemRMhU32B-YoU8K-t3gWNiJhagfMKSB5iuC5e3ovPhPq_hmakVbIT1_aM1RZKAsUj4o/s1600/calculate-emi-loan-with-calculator.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="calculate emi loan using free calculator" border="0" data-original-height="344" data-original-width="640" height="344" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWo6YXd2oHwyqy4mcLs9nBp_03lelj3iLowumU5cI06UUB9gHbpJirfdea4PMkFwlRS2kTG_GbemRMhU32B-YoU8K-t3gWNiJhagfMKSB5iuC5e3ovPhPq_hmakVbIT1_aM1RZKAsUj4o/s640/calculate-emi-loan-with-calculator.png" title="Free EMI Loan Calculator" width="640" /></a></div>
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Banks follow different sets of laws when it comes to charging loan interests on different products. For example, credit cards charge daily interest while other products may require interest to be calculated monthly or even annually. Getting this detail is important because you need to use the right number for calculation. Generally, people prefer to do this little math on their own but some people rely on technology for quick calculations and thus use:</div>
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<b>1. Spreadsheets</b></div>
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Spreadsheets like Microsoft Excel and others are powerful tools that help you understand how the loan works by building a rough graph of your loan.</div>
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<b>How to calculate annual interest rate in excel:</b></div>
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a) Start with a blank worksheet</div>
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b) Enter the Principal amount, Monthly payments, loan term in months, and Annual rate in cells B2 through B5, in order.</div>
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c) Format cells C2 and C3 as currency with two decimal places.</div>
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d) Format cell C5 as a percentage with two decimal places.</div>
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e) Enter the following formula in cell C5: =12*RATE (C4, C3, and C2) to get the results.</div>
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Calculations here are automated so you can easily get important details about your loan. You can even use pre-built amortization templates to <a href="https://en.wikipedia.org/wiki/Equated_monthly_installment" target="_blank">calculate the annual loan interest rate</a>.</div>
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<b>2. EMI Calculator</b></div>
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An EMI calculator does the same work. It will calculate loan interest rate per month, shows how much interest is in each payment and how much you’ll have to pay every month. For deeper analysis, you can copy and paste the output into a spreadsheet.</div>
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Apart from these two methods, the annual interest rate can be calculated manually as well. For a home loan, student loan and auto loan, the best way to do is to build an amortization table. It clearly shows every payment, loan interest, principal amount and your remaining loan balance at a given time. To calculate, you’ll have to provide the following basic information:</div>
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a. The interest rate</div>
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b. The loan period</div>
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c. The principal amount you are paying interest on</div>
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d. The monthly payment</div>
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For a quick estimate, a simple interest formula (Interest = Principle x rate x time) can help you find out the annual interest rate on a loan. For example, if you borrow home loan of 63 lakhs at 6% interest rate for a time period of say 30 years, then your monthly payment would be approximately Rs. 38,000/-.</div>
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Ideally, customers pay different amounts of interest every month – the amount usually reducing with each passing month. Reason being, your loan balance gets paid gradually and leads to lesser interest every month.</div>
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Listed below are some helpful steps to build an amortization table all by yourself:</div>
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1. Start with calculating your monthly loan payment</div>
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2. Convert the annual rate to the monthly rate by dividing it by 12</div>
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3. Find out the monthly interest rate by multiplying the monthly rate by the loan balance at the start of the month.</div>
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4. Deduct the interest cost by the monthly payment</div>
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5. Reduce your loan balance by the principal amount</div>
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6. Calculate your remaining loan balance</div>
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7. Copy the outstanding loan balance to the next line</div>
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8. Repeat steps 2 through 8 until the loan is paid off</div>
<br />The bottom line: Interest rate increases the price of the commodity (Car, property, equipment of your home or business, etc.) you buy on loan. Therefore it is wise to keep a track of it and make regular payments to decrease the interest amount with time. In some cases, these interest costs are tax deductible – which is one more reason not to ignore them. To understand your finances, you should calculate interest cost either before taking a loan or soon after borrowing. You can compare the interest rate of different loan schemes using <b>Paisabazaar.com</b>. It is an ideal platform wherein you can compare top loans from different banks, get best deals on credit cards and choose between longer and shorter loan terms by using its EMI calculator.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-89364615585369372182017-08-21T23:27:00.001-07:002017-08-21T23:56:57.130-07:00Aadhaar mandatory for social schemes 2017<div class="MsoNormal" style="text-align: justify;">
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From being just a voluntary document that was meant to serve the proof of identity and address anywhere in India, Aadhaar, a 12 digit unique identification number (UAN) is now fast becoming government’s base for public welfare & citizen services.</div>
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It is used as the universal identity card that can verify your age, address, identity, etc when applying for any government service. Listed below are some government schemes 2017 wherein the <a href="https://www.paisabazaar.com/aadhar-card/is-aadhaar-card-mandatory/" target="_blank">use of Aadhaar card is mandatory</a>:-<br />
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<b>1. Pension:</b> Aadhaar card has proved to be a blessing for senior citizens as it helps them get their pension money on time. Earlier, the documentation process was time consuming, which created a lot of inconvenience and delay for the senior citizens in getting their pension money. Thanks to Aadhaar card to make their life sorted. Now, instead of going through a long documentation process each month, the pensioners need to only register their Aadhaar number to ensure timely pay-outs each month.</div>
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<b>2.</b> <b>Income tax:</b> When it comes to verifying your income tax file returns, Aadhaar card helps people cut down documentation needs. Using Aadhaar card to verify ITR is both simple and convenient. All you need to do is:</div>
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<b>A.</b><span style="white-space: pre;"> </span>Login to the e-filing website using your PAN number, and link your Aadhaar number to it.</div>
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<b>B.</b><span style="white-space: pre;"> </span>Choose an option to generate an Aadhaar OTP, which will be sent to your registered mobile number.</div>
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<b>C.</b><span style="white-space: pre;"> </span>You can use this code to verify your ITR. You can also use Aadhaar to verify your IT return uploaded on an earlier date.</div>
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<b>3.</b> <b>Aadhaar card mandatory for Provident Fund disbursement:</b> Aadhaar has also eased the process of PF disbursement. Earlier, the process to get the PF money was complicated and time consuming. However, now the process has become quicker and simpler because of Aadhaar card. Once the pensioner links their Aadhaar with their pension account, the Aadhaar card will ensure that the provident fund is directly disbursed to their account.</div>
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<b>4.</b> <b>LPG & other subsidies:</b> With Aadhaar card, you can now get your LPG subsidy in your bank account. For this, you simply have to provide your Aadhaar number. In fact, not just LPG but all other government subsidies will reach you directly through Aadhaar card. With Aadhaar, now, you don’t need to register for every government benefit. </div>
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<b>5. Digital life certificates:</b> The Jeevan Praman for pensioners or the digital life certificate, as it is widely known, is an initiative took by Narendra Modi, the Prime Minister of India. This initiative eliminates the need of pensioners to be physically present in order to receive a pension. Digital life certificates allow elderly members to get their pension money without leaving home as their details can be easily accessed by the bank through their Aadhaar number.</div>
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<b>6.</b> <b>Aadhaar mandatory for Passport acquisition:</b> The acquisition of passport has always been a daunting task that takes a lot of time. But with the help of Aadhaar card, the process is now simpler. Anyone willing to get a passport can submit an application online for the same by simply attaching their Aadhaar card as the only resident and ID proof along with the application. Within three days, they will receive an appointment and within seven days, the processing and dispatching of the passport will be completed. Police verification checks can then be scheduled on the later date. All in all, with Aadhaar card you can get your passport within 10 days. </div>
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<b>7.</b> <b>Aadhaar mandatory for bank accounts:</b> As announced by the Supreme Court, any person planning to open a bank account has to provide their Aadhaar number along with their PAN (Income tax permanent account number) as a valid address and photo ID proof. In addition, all existing account holders have been asked to submit Aadhaar to their respective banks by December 31, 2017, to continue the services. If they fail to do so, their accounts will become invalid.<br />
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These are quite a few <a href="http://www.financialexpress.com/economy/aadhaar-for-social-schemes-supreme-court-likely-to-pass-order-against-mandatory-aadhaar/753137/" rel="nofollow" target="_blank">social schemes where Aadhaar is mandatory</a>. So if your Aadhaar card application is still pending, you should soon get it done to avail the unlimited benefits that this simple card can provide.</div>
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Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-88341602327432179722017-08-16T05:17:00.001-07:002017-08-16T05:17:12.586-07:00Which Is The Best SBI Credit Card?The State Bank of India offers a variety of credit cards to match your lifestyle needs. Each credit card offered by this bank is packed with features such as shopping, travel, and dining privileges apart from reward points on the department, glossary stores, etc. If you are planning to get SBI Credit Card for easy cash flow, here is a drop down list of some best SBI credit cards that you can choose from:<br />
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<b>1. SBI Card Elite: </b>- Powered by Master Card, the SBI Elite Card offers a number of benefits to its customers including welcome e-voucher worth Rs 5000, complimentary movie tickets worth Rs. 6000 every year, complimentary membership to the airport lounge (both domestic & International), 5X Reward Points on dining, departmental stores, and grocery spends, etc. The joining fee on SBI Elite Card is Rs. 4999 + GST. In return, you will get an equivalent amount of welcome bonus from your choice of brand – Yatra, Bata/Hush Puppies, Marks & Spencer’s, Shoppers Stop, Westside, etc.<br />
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<b>2. SBI Card Prime:</b> - The SBI Prime credit card is packed with plenty of MasterCard/Visa privileges including 50% off on golf games at selected golf course across India and exclusive benefits across 900 luxury hotels worldwide. In addition to this, it features birthday benefits, lounge access, Club Vistara membership, Trident privilege membership, etc. The annual fee (one time) and renewal fee (per annum) on this card is Rs. 2999/-. The bank also gives a welcome bonus of Rs. 3000 to the customers receiving this card.<br />
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<b>3. Simply Click SBI Credit Card:</b> - With its worldwide acceptance, Simply Click from SBI credit card is yet another best credit card you can sign up for. It offers Rs 100 cashback on first movie ticket booked on BookMyShow mobile app for the first time users. With Simply Click <a href="https://www.paisabazaar.com/sbi-bank/credit-card/" target="_blank">SBI Credit card</a>, you can empower your family with add-on cards for your spouse, children (above 18 years of age) and elderly parents, withdraw cash from over 1 million Visa and MasterCard ATMs across India. Simply Click SBI Credit Card further enables you to pay the monthly utility bills using the easy bill pay facility. In addition, balance transfer on EMI and flexi pay is other lucrative features of Simply Click which can make your life simpler and EMI payments easier.<br />
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<b>4. Air India SBI Platinum Card:</b>- With an annual and renewal fee of Rs 1499 and a welcome gift of 5000 reward points, Air India SBI Platinum Card offers features like complimentary visa lounge access at major domestic airports, lost card liability cover of Rs. 1 lakh. On top of it, this SBI Credit Card comes with a global acceptance and can be used to withdraw cash from over 1 million Visa ATMs worldwide. The banks also give its customers the privilege to get add on card for parents, spouse and children (above 18 years of age). Flexipay, balance transfer on EMI, easy money facility and online railway ticket booking plus getting it delivered at your doorstep are other benefits of having an Air India SBI Platinum Credit Card.<br />
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<b>5. Simply Save SBI Credit Card:</b> Customers planning for a big adventure outside India can sign up for SBI Simply Save credit card. It enables you to access money anytime, anywhere, provide flexible EMI options for big purchases along with features like instant SMS, emails, a mini statement to help you keep a track on your every transaction. Simple Save Credit Card from SBI further enables you to use your accrued points to easily pay back the due amount pending on your card. The annual fee of Simple Save Credit Card is Rs. 499.<br />
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To know more about these SBI credit cards, you can visit the official website of SBI or <b>Paisabazaar</b> wherein you can compare and get the best SBI Credit Card as per your needs and requirements.<br />
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Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-43654947848009230282017-08-08T11:50:00.000-07:002017-08-08T11:50:00.488-07:00Tips for Growing Strawberry in Hanging Strawberry Planter<div class="MsoNormal" style="background-color: white; color: #444444; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; text-align: justify;">
<span lang="EN-US" style="font-size: 12pt; line-height: 18.4px;">If you want to grow strawberries but do not have enough space, you can grow them by hanging strawberry planter. It also looks beautiful. You can move the planter easily without any hamper of your strawberry plants during the hot or cold weather to keep your plant well. It is a simple way to grow some strawberries within a small space. You should hang the planter in a safe place where your plants can get enough water, sunlight, fertilizer and enough care.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqWOW-yOqD-Yn8PQuJOHk6rtg3-HXsHXRXJ8j-g0fuaXccIFkSCw00xswJuBW0VbZbJs92mzp2oyFH-AYat2ZUl38D7TjkzxXP-pTb0XGV_gwJQ8M3agKGwRUh6Tw3yMOGlB0V70tTeKNs/s1600/growing-strawberry.png" imageanchor="1" style="color: #4d469c; margin-left: 1em; margin-right: 1em; text-decoration-line: none;"><img alt="Growing Strawberry in Hanging" border="0" data-original-height="331" data-original-width="640" height="330" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqWOW-yOqD-Yn8PQuJOHk6rtg3-HXsHXRXJ8j-g0fuaXccIFkSCw00xswJuBW0VbZbJs92mzp2oyFH-AYat2ZUl38D7TjkzxXP-pTb0XGV_gwJQ8M3agKGwRUh6Tw3yMOGlB0V70tTeKNs/s640/growing-strawberry.png" style="background: transparent; border-radius: 0px; border: 1px solid transparent; box-shadow: rgba(0, 0, 0, 0.2) 0px 0px 0px; padding: 8px; position: relative;" title="Growing Strawberry in Hanging" width="640" /></a></div>
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<b>Tips for hanging strawberry planter</b></div>
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There are some ways to grow strawberry plants. In the case of small space, you can grow them in the container. Before planting strawberry, you should consider some things and follow some tips.</div>
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<b>Location</b></div>
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Strawberry plants need a lot of sunlight. The plant will give you the sweet and large strawberry if it gets sunlight for 8-12 hours. The pots can make the soil much warmer. So, create the environment which is suitable and tolerable for the plants.</div>
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<b>Planter</b></div>
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You will use any suitable pots as the hanging strawberry planter. You can buy the plant grow bags or flower tower or pots from the garden stores.</div>
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<strong>Soil</strong></div>
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The planter can get heavy after filling it with soil. Choose the soil that can hold water, have good air circulation. You can also add some fertilizer and then mix it with the soil properly. The soil must be acidic.</div>
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<b>Planting time</b></div>
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You should plant your strawberry plants during the early spring with a little cold of winter. Some plants of strawberry can plant throughout the years.</div>
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<strong>Plants</strong></div>
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You will find two types of strawberry plants named June-bearing and Ever-bearing. The ever-bearing will grow through the summer season but the June-bearing will grow in the early summer. The June-bearing plants will give you more strawberries.</div>
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At first, fill the pot with soil. Then water it slowly and make sure that the water absorbed throughout the soil. Now plant the strawberry plants by tacking them into the holes. Then again water slowly.</div>
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<b>Hanging</b></div>
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<i>Hanging strawberry planter </i>is not a hard process. You can use wire or chain and tie them with the planters. Then hang the planters in the place as your wish.</div>
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<b>Watering</b></div>
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During watering <b>hanging strawberry planter</b>, you should be careful. You can use a soda bottle with a spike attaching to it to water the plants. Slowly flow water and be patience. You can check the moisture of the soil with your finger. Do not over-water the plant. So, if you want to grow strawberry in hanging strawberry planter, you should check the moisture level of the soil.</div>
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<b><i>Fertilizer</i></b></div>
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Strawberry plants need a lot of nitrogen. Compost fertilizer is good for the strawberry plant. But do not give fertilizer when the fruits come. You can also other vegetables and fruit materials.</div>
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When your strawberries become fully red, pick the fruits. Morning is the best time of picking the strawberry. Strawberries can bruise easily. So, carefully pick the fruits. Then place the fruits gently in the container. Do not store the damaged barriers because the damaged fruits get rotten quickly. You can store the strawberry 4 or 5 days in the refrigerator.</div>
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It is not hard to grow strawberries in the <b>hanging strawberry planter</b>. If you follow the guidelines and the steps carefully, you will enjoy strawberries of your own. It will give you much pleasure and increase the beauty of your yard, home or garden. The reason for having a short life, you need to replace the strawberry plants after every three years.</div>
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<b>Author Bio</b></div>
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I am Jocs. I have been gardening for a long time. It is my pleasure, and I love gardening. Gardening gives us much benefits and pleasure. It makes the surrounding environment beautiful and keeps our mind refreshed. Many of us desire to have a garden, but it cannot fulfill the desire for the proper guide or instruction of gardening. So, I am eager to help them who want to make a garden with the proper guide. For this purpose, I have developed the <span lang="EN-US" style="font-size: 12pt; line-height: 18.4px;"><a href="https://www.mygardenplant.com/" rel="nofollow" style="color: #4d469c; text-decoration-line: none;">mygardenplant.com</a>. I hope I can help everybody in gardening.</span></div>
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Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-20063535236384522042017-07-20T11:01:00.004-07:002017-07-20T11:01:46.789-07:00Investing in Pune Properties are the Wisest Move to Gain Heft Return<div class="MsoNormal" style="text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US">Pune is the second most infamous city that has been the mainstream
after the state capital of Mumbai of Maharashtra. Entitled as "Cultural
capital of Maharashtra", "Queen of Deccan" and "Oxford of
the East", the city of Pune grasps the mass with an appealing mix of superb
infrastructural foundation, business destination, extent of work opportunity and
its surpassing educational hubs.The city experiences several relocates that
leads toreal estate development of the cityto its summit. There are plenty of realty
projects, which convey the assortments of trendiest properties in the city. </span></div>
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<span lang="EN-US">According to a latest survey, Pune has gotten the position of
seventh biggest metropolitan city of India. The district has prospered as the
help of IT industry and other MIDC’s. Relating to its ingenious foundation, the
city has encountered progression populace from national and international
migrates. Known as the most serene area for living, the city likewise harbors
quiet and pristinely ambience. Well known realtors have focused in structuring
chi and modish designer <b>apartments in
Pune</b>.</span></div>
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<span lang="EN-US">The huge enhancements of industrial establishments in Pune have
reclassified the scope of realty investment for many. Prospect buyers have considered
the city for their ever aspired dream residences. In addition, the noticeable educational
hubs of the city have laid various students to move their base for the course
of their study. </span></div>
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<span lang="EN-US">In this manner, <b>properties in
Pune</b> have turned into the primitive decisive factor for the realty
investment for many. It responds greatest come back to each speculation made.
The city has tempted various builders and property purchasers to enroll it
amongst the realty venture sites. Various upcoming projects hurled consistently
in all parts of the city. The properties near workplaces or the educational
destination have gone through mass attention. </span></div>
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<span lang="EN-US">The locales in Pune that has encountered the huge advancement in the
real estate developments areMagarpatta, Hadapsar, Kharadi, Wadgaonsheri,
Vimannagar for the IT parks of Magarpatta, S P Infocity, EON IT park and
Gigaspace. Whereas, he ranges bordering the sprawling Hinjewadi IT Park which focuses
on the locales of Wakad, Baner, Bavdhan Talegaon are additionally of particular
significance. <b>Pune properties</b> in
these locales are opulent and offer soared property rates. </span></div>
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<span lang="EN-US">The places like Moshi, Talegaon, Chakan, Chikhali, Pradhikaran,
Akurdi that are nearby MIDC districts of Chakan, Bhosari, Talegaon. The ever prevalent
focal area of Kothrud, Karvenagar, Paud Road, F C Road, JM Road,etc are
populous for the business destination of Peth region and the instructive
organizations of FC College and so on in the nearness. NIBM Road, Sopan Baug,
Undri for the infrastructural significance and district to the focal areas of
Camp and M G Road and so on.</span></div>
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<span lang="EN-US" style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">In
this way, securing own <b><a href="http://www.redcoupon.com/pune-properties.html" rel="nofollow" target="_blank">flats in Pune</a></b><span id="goog_901479289"></span><a href="https://www.blogger.com/"></a><span id="goog_901479290"></span> has been the prime
desire for many prospect purchasers. On the other hand, the property rates have
been towards the top for recent years; however, that did not influence the
prevalence of development of the realty manifestations in the city. In the
present situation of the ever demanded realty projects, as far as possible have
been extended to different suburbs with infrastructural supremacy the prime
concern. The property rates in Pune are about to rise to its summit and is
directly proportional to the industrial development of the city, that makes way
to the humungous monetary and satisfactory return.</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-65812106016086130442017-07-20T10:15:00.001-07:002017-07-20T10:17:11.485-07:00FOUR DIY DECORATING TIPS FOR YOUR CONDODecorating can be a fun activity to do to pass the time. Transforming the interiors of your condo can be an enjoyable and rewarding time for yourself. Sometimes, it can be done with your partner or with friends.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwbYufdx7VfvSmDxfabEz3HfQYwzHJvwTuNDnZHc2CpzhwK89ZzVv9SiVTeN5liD6M7wKr9QkwhyRlMri639TEGKpuhE15Lwww-Rv5Hcj7fi4tijQkU6DJEp2hLazoz8VKF9ufuKqALI4/s1600/interior-design-ideas-for-living-room-1454-maximizing-interior-design-small-living-room-to-make-it-more-spacious.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to Decorate Your Condo" border="0" data-original-height="750" data-original-width="1062" height="451" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwbYufdx7VfvSmDxfabEz3HfQYwzHJvwTuNDnZHc2CpzhwK89ZzVv9SiVTeN5liD6M7wKr9QkwhyRlMri639TEGKpuhE15Lwww-Rv5Hcj7fi4tijQkU6DJEp2hLazoz8VKF9ufuKqALI4/s640/interior-design-ideas-for-living-room-1454-maximizing-interior-design-small-living-room-to-make-it-more-spacious.jpg" title="ideas for decorate condo" width="640" /></a></div>
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<a href="http://www.ayalaland.com.ph/estate/bgc-bonifacio-global-city/?utm_source=guestpost" rel="nofollow" target="_blank">Bonifacio Global City</a> offers an abundant amount of options for condos where you can explore and invigorate your creativity. In choosing your place, ask the management if there are policies when it comes to decorating the interiors of the condo. Ask the management for limitations in redecorating the apartment's interiors.<br />
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If there are no issues with decorating the interior of the condo or when you are aware of the boundaries of your creativity, you can start. Call your friends or start a discussion with your partner and then, begin your art escapade.<br />
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Your condo is part of your identity - a reflection of you and how you live your life. It's a distinct impression of your personality and lifestyle. So, it's an understanding that your home is an extension of your hold in this world. To make it a direct vision of yourself (and your partner, if you have one), here are the top four do-it-yourself decorating tips you can use for your condo.<br />
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<b>1. Gather different and random ideas</b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJyZKv64ovVfOqUqP-Vgrkylaf8SNYHq2VKLWyRZsDzx_HMLmznhg5hsqMgV7dHcL47OY5LsL7H4JdiJNeMT0U1CQ_v1ZcLU4fc0peUgvlEug3B2Swsj3MKOwyeLoN_MDJo8sqoCGs5VI/s1600/latest-condo-interior-design-ideas-fair-condo-interior-design-ideas-simple-home-decorating-ideas.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="condo decorating ideas living room" border="0" data-original-height="600" data-original-width="1024" height="374" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJyZKv64ovVfOqUqP-Vgrkylaf8SNYHq2VKLWyRZsDzx_HMLmznhg5hsqMgV7dHcL47OY5LsL7H4JdiJNeMT0U1CQ_v1ZcLU4fc0peUgvlEug3B2Swsj3MKOwyeLoN_MDJo8sqoCGs5VI/s640/latest-condo-interior-design-ideas-fair-condo-interior-design-ideas-simple-home-decorating-ideas.jpg" title="Decorating ideas for my dream condo" width="640" /></a></div>
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The Internet has opened a chasm for diverse interests and ideas for many people. Over the years, the websites are increasing, and the ideas generated in the sites are growing. Wherever you look on the Internet, you can find plenty of inspirations and design ideas that might fit your desired outcome.<br />
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Besides the Internet, you can also round up concepts from lifestyle magazines and booklets. You can even try asking some friends for their ideas. After getting all the materials that might spark an idea for your condo, you choose the best of best. At the end of the day, your chosen design (the best one, of course) reflects you and your home.<br />
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<b>2. The radiance of the lights</b><br />
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Keeping the rooms illuminated by the use of natural light is a perfect way to make the room prettier. Also, the light serves as a courier of good energy to start a new day. In fact, according to Chinese Feng Shui, rays of sunshine brings good luck to your homes.<br />
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If your door has glass panels, utilize to bring the rays of light into your space. Have thin and light colored drapes on your door panel instead of the thick, basic colored ones. Opening doors for natural light and fresh air can also help you save electricity as the room will be well-lit.<br />
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Your room can also have sheer drapes as covering the windows so that natural light can dwell inside the room. Also, fasten some eccentric hanging objects (e.g. dreamcatcher) on your window to add color. As much as possible, permit the light to come through your place.<br />
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<b>3. Be accurate with your color scheme</b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjD1KT_0BEiMnCZCCQnRc18qunrUCHBMkl5jUatpFJjY1E76RNDamiEhO1I1vVkZp3Gn0LENElMkJLnckdYeZ11XO1tKv9ERenzoWNfi7PlP0NXO49UPfpotcGHydZR5770DP9ROzN6_M/s1600/Original_Brian-Patrick-Flynn_DIY-small-condo-living-room_s4x3.jpg.rend.hgtvcom.966.725.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="small condo living room decorating ideas" border="0" data-original-height="725" data-original-width="966" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjD1KT_0BEiMnCZCCQnRc18qunrUCHBMkl5jUatpFJjY1E76RNDamiEhO1I1vVkZp3Gn0LENElMkJLnckdYeZ11XO1tKv9ERenzoWNfi7PlP0NXO49UPfpotcGHydZR5770DP9ROzN6_M/s640/Original_Brian-Patrick-Flynn_DIY-small-condo-living-room_s4x3.jpg.rend.hgtvcom.966.725.jpeg" title="" width="640" /></a></div>
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Sticking with a particular color scheme will help you finish your designs better. And it also makes decision making on the interior designs easier, since you have a guide on what to accomplish.<br />
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There exists a 3-color rule which will be effective for your interior design idea. In this rule, you have to choose one primary color and two complementary shades. An example for this would be choosing green as your primary color and having yellow and white as your complementary shades. The choices for these color patterns are endless, but it should complement all the other colors in the mix.<br />
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Don't opt for anything too dark, always have bright and dark-colored mixed into the design. Some crisp and refreshing choices could be aqua blue, mint green, and salmon. Always keep in mind, this is your home and design, pick the ones comfortable to you and at the same time, looks admirable.<br />
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<b>4. Your statement piece</b><br />
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In your space, there should be some mark that signifies your title in the place. There should be balance with the furniture in your condo as it's what the visitors see when they enter the home. Mismatched furniture would warrant stress for people in the room.<br />
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Besides that, add some touch of something that’s significantly yours. You could put a flower vase or some antique ornament into your living space to represent you.<br />
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And that’s the four do-it-yourself tips for decorating your condo and making it truly yours. In all those things mentioned, always love the changes you’re doing with your place.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-22850840728670266922017-07-01T10:50:00.000-07:002017-07-01T11:11:59.645-07:00Makati: The Perfect Place for Real Estate Investments<div class="Standard" style="text-align: justify;">
<span lang="EN-PH" style="font-family: "tahoma" , sans-serif; font-size: 12.0pt; line-height: 107%;">Makati gained
popularity during the early 2000s when many investors from the IT industry
decided to populate the city. Skyscrapers, such as commercial and residential
buildings then rose after. Countless </span><span lang="EN-PH"><a href="http://www.alveoleasing.com.ph/makati-condo-for-rent-the-columns-legazpi-village/"><span style="font-family: "tahoma" , sans-serif; font-size: 12pt; line-height: 107%;">Makati condos for
rent</span></a></span><span lang="EN-PH" style="font-family: "tahoma" , sans-serif; font-size: 12.0pt; line-height: 107%;"> then flooded the advertisements. If
people give their analysis to this progress, perhaps they can say that more and
more people are investing on Makati.</span><span lang="EN-PH"><o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTFRIbyBlQvT4XTEPs8H4I28CFJZDvCOidjLnWFcHUxSWQD4p7Dew9gd8lFuf2E-8BgALxuS-F-MFYNn2m3e7XxGmF8qOAqdvd1t9ITCY1FCbBvsyUINI4ma30uG1SenijGq5-2bnxURs/s1600/makati.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="442" data-original-width="768" height="368" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTFRIbyBlQvT4XTEPs8H4I28CFJZDvCOidjLnWFcHUxSWQD4p7Dew9gd8lFuf2E-8BgALxuS-F-MFYNn2m3e7XxGmF8qOAqdvd1t9ITCY1FCbBvsyUINI4ma30uG1SenijGq5-2bnxURs/s640/makati.jpg" width="640" /></a></div>
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<span lang="EN-PH" style="font-family: "tahoma" , sans-serif; font-size: 12.0pt; line-height: 107%;">For the benefit of
those who do not know, Makati City is a progressive city in the heart of
Metropolitan Manila. It is currently the top financial hub of the Philippines,
seconded by Cebu City. It might be popular also by its famous politicians, but
this city is of humble and inspiring beginnings.</span><span lang="EN-PH"><o:p></o:p></span></div>
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<span lang="EN-PH" style="font-family: "tahoma" , sans-serif; font-size: 12.0pt; line-height: 107%;">Why is it perfect to
invest in Makati City? Well, check out these ten reasons why it is a must to
invest in this progressive city:</span><span lang="EN-PH"><o:p></o:p></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>1.</b> Any business investment is
going to work out! Do you wish to sell goods? Do you want to put up a luxury
restaurant? Are you planning to make a store out of your imported clothes from
abroad? Are you planning to do real estate and do Makati condos for rent? Those
are all possible in Makati.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b><br /></b></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>2.</b> Real estate investment is
perfect in Makati, whether you are investing in that commercial space for your
business or to have it rented by other companies. Whether you are buying a
condominium for your home or whether you are having it rented, any option is
profitable. Makati condos for rent or a mortgage are always going to be in
demand. The reason is that the increase of occupants Makati is attracting from
around the country.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>3.</b> Affordable real estate
investments offers are many in Makati. If you are on a tight budget, living in
Makati is still not a problem. Since Makati properties are in demand, real
estate producers are flooding the area. Thus, it is not impossible to find the
most affordable and reasonable property to rent or invest unto.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>4.</b> Do you hate traffic? Well,
Makati is alien to traffic. Some people even say that Makati is like the
Philippines’ Japan. Smooth and traffic-free roads. If you want a daily life
like that, you should invest in a home in the heart of this city.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>5.</b> Do you want to work near your
home? Well, work and live in Makati where you can easily reach your job by
having a 15-minute carefree walk. Jobs are no problem in Makati since there are
many industries present in the heart of the city. As you find your job there,
find your next luxurious home there as well.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>6.</b> Foodie? Many restaurants,
malls, and marts are available in Makati. If you invest in a home in Makati,
you will never be worried about what food is available to you at a near
distance. There is always something yummy to eat nearby.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>7.</b> Do you always want to go to
weekend getaways? Well, if you live in Makati, which is in the heart of Metro
Manila, it is easier to travel to tourist spots. Ilocos is just a couple of
hours away. Driving to Batangas and Laguna is also very possible. This city is
very near to places that can help you unwind every weekend.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>8.</b> Are you studying in Manila
City or any other universities in the Metro? That’s not a problem! If you live
in Makati, it is not going to be troublesome to go to and fro your campuses.
Makati condos for rent are also very affordable for students.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>9.</b> Working outside Makati? Not a
problem! You will reach your workplace on time. Given that there are not much
traffic in the city, it is very easy to commute if personal transport in not
available.</span></div>
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<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><b>10.</b> Lastly, real estate
investments in Makati has low depreciation value. That is because of how
strategic the investments are. People will always want to own a place in
Makati. Thus, there are always going to be potential buyers or renters for your
condominium investment.</span><br />
<span style="font-family: "tahoma" , sans-serif; font-size: 12pt; text-indent: -18pt;"><br /></span></div>
<span lang="EN-PH" style="font-family: "tahoma" , sans-serif; font-size: 12.0pt; line-height: 107%;">Having a progressive city such as Makati is a
blessing to Metro Manila. It does not only helps NCR economically, but it also
provides opportunities and comfort to the people. As opportunist investors, be
wise and invest in Makati now!</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-23027590501575501872017-05-14T12:30:00.000-07:002017-05-14T12:30:47.092-07:00Half Rim Eyeglasses- Popular Style for Spectacle UsersBecause of ongoing innovation in prescription eyeglasses, today, you have three different kinds of frames- rimless, half rim and full rim. Every style has its own significance and the style you want to buy totally depends on your personal preference. Like, if you want to look more mature, opt for rimless frames and if you want to make your face look bold and attractive, full rim eyeglasses are best.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwXV6l9GjFlRcRIU99W3xXxizMEj-WYg5Ldu7Ym8Jvg0FmwoLXK8cP-7Uf329uMWjYMw6K0t1dKdm4_0dW5hidXxXJe3n07rrPBzbDiTtALwq0V7vV8BmuYjxafYDybGZpQFMeIBGlyac/s1600/half-rim-eyeglasses-+popular-style-for-spectacle-users.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Half Rim Eyeglasses- Popular Style for Spectacle Users" border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwXV6l9GjFlRcRIU99W3xXxizMEj-WYg5Ldu7Ym8Jvg0FmwoLXK8cP-7Uf329uMWjYMw6K0t1dKdm4_0dW5hidXxXJe3n07rrPBzbDiTtALwq0V7vV8BmuYjxafYDybGZpQFMeIBGlyac/s640/half-rim-eyeglasses-+popular-style-for-spectacle-users.jpg" title="Half Rim Eyeglasses- Popular Style for Spectacle Users" width="640" /></a></div>
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However, did you know about what semi-rimless or half rim frames can do you? If you have already tried them, you know better and those who have not yet, here are some great reasons to buy half rim spectacle frames.<br />
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>You can wear half rim eyeglasses for a professional look<br />
•<span class="Apple-tab-span" style="white-space: pre;"> </span>It is a blend of features of both- rimless and full rim eyeglasses<br />
•<span class="Apple-tab-span" style="white-space: pre;"> </span>They are a top trending styles these days<br />
•<span class="Apple-tab-span" style="white-space: pre;"> </span>The half rim design at the top adds a more striking look to your face and brings all the attention on the upper part of your face<br />
•<span class="Apple-tab-span" style="white-space: pre;"> </span>They are light in weight as compared to full rim deigns<br />
•<span class="Apple-tab-span" style="white-space: pre;"> </span>They are a choice of creative people, students and even businessmen<br />
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Like other two styles, you will find half rim spectacle frames too in almost all shapes and design. Whether you are looking to buy classic rectangular or square frames, oval frames, round frames, horn-rimmed or tortoise shell pattern, you will find your favorite half rim eyeglasses in all these shapes.<br />
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But before selecting any style, first analyse your face shape and then buy the appropriate pair.<br />
At Coolwinks, a top online eyewear platform, you will find multiple color options available in all kinds of eyeglasses. Like full rim glasses, half rim and rimless frames for women and men. Brands selling these frame designs at Coolwinks are Graviate, XSTYL, XSTYL BLU, etc. In addition to these, there are power sunglasses and fashion sunglasses too. Does not matter, whether you are looking to buy a formal, quirky or a sporty pair, you will never get disappointed because the collection is huge.<br />
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Once you know your face shape, you can find the right frame style, be it pilot eyeglasses, oversized eyeglasses, rectangular or more.<br />
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Best prices, infinite choices in high quality eyewear are only available here at this mega online platform. Browse through the catalog, splurge in your favorite pairs and make your own style statement.Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-40063469805137322312017-03-08T09:24:00.000-08:002017-03-08T09:24:58.897-08:00The Most Important Things to Remember Before Buying Commercial Property<div class="MsoNormal">
When it comes to commercial properties, the most beneficial and ideal way is to go with business properties which mainly include an office space or building. Especially to the startup business men who are really looking for the best commercial property to start their business. Obviously, when you are looking for a property as in long-term benefits, compromising with the quality is not an option at all.</div>
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When you are setting up your own enterprise, there are so many things that are so many things are coming into your mind. The first thing you can ever think of is getting an office property. According to the business point of view, it is very essential that your office should be equipped with all the facilities. It is quite obvious that your office location and condition is the first impression on the </div>
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person that enters your office. </div>
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A real estate property is the perfect choice for setting up your own office. It contains all the necessary facilities and best for the individuals who are willing to buy a property in some kind of paradise city. In the business of commercial properties, talking about the office buildings or any business properties can be out of trend. There are following things you need to consider while buying any business commercial property: </div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span><b>All transportation facilities </b></div>
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People will always love to do job in an office which is situated at the best location with the facilities related to transportation. It is your duty to equip your office with all these facilities so that any of your employees do not have to think twice before joining your organization. The options are available at Findaksh if you are looking for a <a href="http://www.sooperarticles.com/real-estate-articles/property-investment-articles/invest-commercial-properties-save-lot-money-gain-high-yields-1559107.html" target="_blank">Commercial Property for sale in Greater Noida</a>.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span><b>Impressive entrance </b></div>
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Your office’s entrance or reception should be good and capable of leaving a good impression on the mind of the persons that are visiting your office for the very first time. For your company’s impression, it is very important to have a dedicated entrance in order to welcome them nicely.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span><b>A separate room/hall for meetings</b></div>
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In any startup or established enterprise, the meeting room or conference room is the one in which all important business tactics or discussion take place. Sometimes, you to have important or confidential meetings with your clients or even with your employees, in all these scenarios you need a separate conference hall which can be quite impressive for others.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span><b>Other facilities</b></div>
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There are also some of the other facilities like seamless internet connection, electricity and proper hygiene. People will only love to work into your office, only when they have all the facilities and good environment to be in. So, you should try to prefer your office space in the location which supports these facilities. </div>
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So if you are planning to buy commercial property for your office then you should remember these essential things into your mind. Whether it is about renting a business property or investing in it, you will have to take care of various attributes. Never make decision in rush, always research for the best commercial properties sellers or broker in order to get a great deal. You have to make sure about what you want. Even if you have to invest a bit more, never think of compromising on the quality. Consider concerning an expert before going for buying any commercial property. </div>
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You may concern the following experts:</div>
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• You can take advices from any lawyer who is professionally into this business and complete knowledge about it. He will be able to explain all the rules and regulations that can help you to analysis the whole situation.</div>
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• Brokers are quite knowledgeable or are easy approachable. They can give you a great deal of efficient property. They can even negotiate for you if you know how to deal with them.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf_L4NU-Bx347dh3Q3fVcXgppYvx8CLa8fw9Z_VGfIgoO40TwrXXOad5Z_EeuoLPK9mKqY6aaIDgAFis0vX3t8zUSyDIPGDpAbMxCUP0kjfyKQBsvtPPoblobSJiQfNrEg7EWA59YXjdY/s1600/property-in-noida.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="looking for property in noida" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf_L4NU-Bx347dh3Q3fVcXgppYvx8CLa8fw9Z_VGfIgoO40TwrXXOad5Z_EeuoLPK9mKqY6aaIDgAFis0vX3t8zUSyDIPGDpAbMxCUP0kjfyKQBsvtPPoblobSJiQfNrEg7EWA59YXjdY/s1600/property-in-noida.jpg" title="" /></a></div>
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It is also appropriate if you want to discuss it with your accountant, he will briefly explain all information about your recent purchases and an estimate about your total expenses in commercial properties along with the taxes details.</div>
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If you are looking for any sort of <a href="https://prezi.com/idmqhy4ecaho/commercial-property-for-sale-in-greater-noida/" rel="nofollow" target="_blank">commercial property</a> for sale in Greater Noida, then you are going to find plenty of options. Make sure you choose the best and reputed real estate agents dealing in one of the best and fully equipped with all the facilities at the best prices. To avoid any misunderstanding, explain your agent what you really looking for and give your first priority to the superior quality, location and facilities. Whether it is about building up your own empire or setting up any sort of business, you main motive is to focus on getting more or more successful, and this motive can be accomplished by getting superior quality commercial property.</div>
Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0tag:blogger.com,1999:blog-8745556641800421479.post-80086274795308117742017-03-05T10:49:00.000-08:002017-04-21T06:48:54.418-07:00Inexpensive Pilot Sunglasses Online Shopping<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-US">Pilot sunglasses
are one of the most popular frame styles for sunglasses in the world. Even
Indians love their pilot frames. Demand for pilot sunglasses are at an all-time
high. <a href="https://eyewearglass.blogspot.in/2017/03/where-to-buy-pilot-sunglasses-online-in-india.html?utm_source=blogspotinternallink&utm_medium=bloginternal" rel="nofollow" target="_blank">Inexpensive pilot sunglasses online</a> are being sold by the thousands. People
make purchases of pilot sunglasses for men face shape from all lifestyles.
Everyone loves pilots and it seems like everyone wants to look like one too. <o:p></o:p></span></div>
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<span lang="EN-US"><br /></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUD3fhzP5tNEPMqFU6Ogo51jtwYEOqmgPsJEqmhcrTpGPurm78tjM8HvymDTxUjTgFwXhCqZn6dpxtDctJbjE-yuNfXC8BuPa1eq-eENxP2N64Uy2a6iC99XNZ8D2xTV4Gvhe3H1bTcb0/s1600/new-collection-for-shades-in-pilot-style.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="new shades in pilot style" border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUD3fhzP5tNEPMqFU6Ogo51jtwYEOqmgPsJEqmhcrTpGPurm78tjM8HvymDTxUjTgFwXhCqZn6dpxtDctJbjE-yuNfXC8BuPa1eq-eENxP2N64Uy2a6iC99XNZ8D2xTV4Gvhe3H1bTcb0/s640/new-collection-for-shades-in-pilot-style.jpg" title="" width="640" /></a></div>
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Pilot sunshades
continued to grow in popularity right from the time they were first introduced
during the world war.</div>
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<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l2 level1 lfo3; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">American pilots made it a trend as they wore these sunnies in the
air to cover their eyes from the sun and be able to better view the skies
around them as they flew. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l2 level1 lfo3; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Their solution ended up being adapted for everyday use for the
masses. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l2 level1 lfo3; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Now pilot sunglasses polarized for big faces are now commonly
available to all when you shop online. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l2 level1 lfo3; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">You can also buy prescription pilot sunglasses online in India with
heavy discounts from Coolwinks.<o:p></o:p></span><br />
<span lang="EN-US"><br /></span></div>
<h3 style="mso-list: l0 level3 lfo1; text-align: justify;">
<span lang="EN-US" style="font-weight: normal;">Are
there many shapes to choose when you buy prescription polarized pilot
sunglasses online?<span style="font-weight: normal;"><o:p></o:p></span></span></h3>
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<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l2 level1 lfo3; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><b><span lang="EN-US">Sporty Pilot Shape</span></b><span lang="EN-US"> - This is the sporty
variant of pilot sunglasses for round faces and is one of the most common
shapes for pilot sunglasses. If you love pilot shades and need a sporty look
then you can consider this variant of pilot sunglasses online. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><b><span lang="EN-US">Navigator</span></b><span lang="EN-US"> <b>Pilot Shape </b>- It is the
most favored pilot sunglasses for oval face shape as it suits the oval face
shape perfectly. It is also the chosen shape of pilot sunnies amongst sailors
and one of the most favored sub-style of pilot sunglasses for men 2016.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><b><span lang="EN-US">Classic Teardrop Pilot Shape -</span></b><span lang="EN-US"> These are
the ideal pilot sunglasses for round face and it is the classic shape that has
remained popular for over 70 years since their inception. You can buy these
affordable pilot sunglasses online from Coolwinks. <o:p></o:p></span></div>
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<span lang="EN-US"><span style="font-weight: normal;"><br /></span></span></h3>
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<span lang="EN-US"><span style="font-weight: normal;">Things
to keep in mind before you buy prescription pilot sunglasses online</span><o:p></o:p></span></h3>
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<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Pilot shaped frames are very popular now a days and it has become
trendy.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Look for glasses that offer a minimum UV400 rating. This will ensure
your glasses will protect your eyes against a minimum of 99% of UVA and UVB
rays of the sun.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Coolwinks offers sunglasses with 100% UV protection. You can also
select prescription lenses for your pilot sunglasses frames. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">Choose a polarized photochromic lens, as it will allow you to wear
your eyewear indoors as well as outdoors anytime. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 21.0pt; mso-list: l1 level1 lfo2; tab-stops: list 0cm left 21.0pt; text-align: justify; text-indent: -21.0pt;">
<!--[if !supportLists]--><span lang="EN-US" style="font-family: "wingdings"; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;">l<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-US">These glasses are also useful for driving at night.<o:p></o:p></span></div>
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<span lang="EN-US">Pilot sunglasses
today have become one of the best fashion accessory. One of those everyday
items so much that we do not leave our homes without it. They look great and
are the perfect item to complement our looks and outfit. Pilot sunglasses for women
is just as popular today as it is for men.
<o:p></o:p></span></div>
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<span lang="EN-US" style="font-family: "times new roman" , serif; font-size: 12.0pt;">You
can purchase pilot shaped sunglasses online from portal site online on huge
discount. You can use our discount coupon codes for addition discount on
discounted items.</span>Seema Chauhanhttp://www.blogger.com/profile/14467018580296670458noreply@blogger.com0