Privacy Policy for www.everydayusefulinformation.blogspot.com
If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at shraddha.bahirat@gmail.com.
At www.everydayusefulinformation.blogspot.com, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by www.everydayusefulinformation.blogspot.com and how it is used.
Log Files
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If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.
Thursday, May 21, 2009
Monday, May 18, 2009
Invest in PPF (public provident fund)
Invest in PPF :
The earlier you start, the better it is ......!!!!!
- Under the present low interest rate regime, it also provides the investor with a return of 8 per cent, which is tax-free. one issue to be kept in mind while investing in ppf is the actual time of the year when the investment is made. To understand its importance we must take a look at how interest is calculated.
- Under the rules, interest on the ppf account is calculated on a monthly basis. this means that an early investment during the year will yield a higher return. However, before pulling out your cheque book and rushing to deposit some amount in the account, bear in mind that it would be most appropriate to make deposits between the first and the fifth of a month.
- This is because an amount deposited after the fifth will not be eligible for interest during that month. Take an example to understand this point. let us say you plan to put rs 40,000 at one go into your ppf account. if you put this amount after the 5th of the month then you would lose out on interest for the month. your loss in this case would be just over three hundred rupees at the current rate of interest. thus it is very important to make your investment before the fifth of the month. take a look at the way in which the interest is calculated using an example. according to the details of the scheme the interest is calculated on the lowest balance between the fifth and the last day of each month.
- Suppose you have a balance of rs 3,20,000 in your ppf account at the beginning of the month. now you make an additional deposit of rs 30,000 in the account on the 10th. according to the rules, when monthly interest calculation is undertaken, interest will be paid only on rs 3,20,000 and not on the additional amount because one has to take the lower of the two amounts - rs 3,20,000 and rs 3,50,000 - for the purpose of calculation of interest. to avail of tax benefits one has to pay the subscriptions out of taxable income. hence what usually happens during the process of investment is that the previous month’s salary is received at the beginning of the new month.after this a few days pass wherein various expenditures of the coming months are listed and money earmarked for them. next the remaining amount finds its way into the ppf account. this could mean that you deposit the amount after the fifth of the month resulting in loss of interest for the month. assuming that you have missed the deadline of the fifth, then unless it is the month of march wherein you have no choice to wait for the next month because of the end of the financial year, is there anything you can do with your money? quite a few things, if you really want your money to earn for those 20-25 days. one you can look at a very short term fixed deposit, or alternatively you could put your money in some short term debt fund. these can provide returns in the range of 6.5-7 per cent per annum.
- Further if one has opted for the dividend plan for the investment in the mutual fund then the income can also be converted into tax free form. the benefits from ppf under income tax rules are multifold. under section 88 the investment limit for ppf is rs 70,000 which would qualify for rebate from tax @ 20 per cent. thus if you pay rs 70,000 into your ppf account then an amount of rs 14,000 would be deducted from the tax that you have to pay. further the interest on the account is also tax free which means that when the account matures and the money has been returned to you, then the amount received would not be considered for income tax at all. so, look before you make your ppf investment, because a few days can actually make a lot of difference.
- Pros & cons of PPF:
For those who are looking for liquidity, PPF is NOT a good option. Withdrawals are allowed only after five years from the end of the financial year in which the “first deposit” is made. PPF does not provide any regular income and only provides for accumulation of interest over a 15-year period, and the lump-sum amount (principal + interest) is payable on maturity. The lump-sum amount that you receive on maturity (at the end of 15 years) is completely tax-free!! One can deposit up-to Rs 70,000 per year in the PPF account and this money will also not be taxed and be removed from your taxable income. If you are relatively young and have time on your side, then PPF is for you.
- Whats more is that you can extend the tenure of your PPF account, 5 years at a time, once your account reaches the 15 year limit. This is better in case if you would want to continue investing without any withdrawals.
- How to start ?
A PPF account can be opened with a minimum deposit of Rs.500 at any branch of the State Bank of India (SBI) or branches of it's associated banks like the State Bank of Mysore or Hyderabad. The account can also be opened at the branches of a few nationalized banks, like the Bank of India, Central Bank of India and Bank of Baroda, and at any head post office or general post office. After opening an account you get a pass book, which will be used as a record for all your deposits, interest accruals, withdrawals and loans. However, be warned: you can have only one PPF account in your name.
- If at any point it is detected that you have two accounts, the second account that you have opened will be closed, and you will be refunded only the principal, not the interest. Again, two adults cannot open a joint account. The account will have to be opened in only one person’s name. Of course, the person who opens an account is free to appoint nominees.
So go ahead and start investing....
The earlier you start, the better it is ......!!!!!
Friday, May 15, 2009
New Maruti Ritz
Maruti suzuki has launched the New Maruti Ritz in India on the 15th May 2009.
This car is sold in other countries with a different brand name ....."splash"....
It was rumoured that this car would be replacement to the very successful wagon-R, but company sources have denied this.
The car is available in petrol and diesel variants. It is competitively priced around the Maruti swift.
Find all the details of the car here: Ritz brochure
Ritz pricing (as taken from Maruti website - Ex showroom Mumbai):
Visit the homepage of the Ritz @ marutisuzukiritz.com
To read reviews on the Ritz visit: Ritzreviews
While browsing over the internet, i came across this very nice Ritz video.
This one is a would-to-be aired commercial of the Ritz. Very creatively made.
http://www.youtube.com/watch?v=_sBl60dSWuQ
This car is sold in other countries with a different brand name ....."splash"....
It was rumoured that this car would be replacement to the very successful wagon-R, but company sources have denied this.
The car is available in petrol and diesel variants. It is competitively priced around the Maruti swift.
Find all the details of the car here: Ritz brochure
Ritz pricing (as taken from Maruti website - Ex showroom Mumbai):
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Visit the homepage of the Ritz @ marutisuzukiritz.com
To read reviews on the Ritz visit: Ritzreviews
While browsing over the internet, i came across this very nice Ritz video.
This one is a would-to-be aired commercial of the Ritz. Very creatively made.
http://www.youtube.com/watch?v=_sBl60dSWuQ
Thursday, May 14, 2009
Get 200 passport size photographs for just 27 Rs.
Have you recently printed any passport sized photographs??
I did and was shocked to find that one passport sized photograph costs around 4-6 Rs per print at Fotofast outlets. Whats further frustrating is that one post card sized photograph also costs the same. So i decided to figure out a way to create cheap but good quality passport sized photos.
And here is the solution:
Pre-requisites: Soft copy of your passport sized photograph.
Even if its not available you can use a normal image, and convert it to a passport sized pic.
Let me tell you how to go about it....
In the first place we need to convert the passport sized pic into a sheet of photos which can be printed on a post card sized output.(around 8 pics on one printable photo).
The following website helps us in creating just the same:
http://www.photomat.eu/
Step 1: Start the photo booth. The following screen appears.
I did and was shocked to find that one passport sized photograph costs around 4-6 Rs per print at Fotofast outlets. Whats further frustrating is that one post card sized photograph also costs the same. So i decided to figure out a way to create cheap but good quality passport sized photos.
And here is the solution:
Pre-requisites: Soft copy of your passport sized photograph.
Even if its not available you can use a normal image, and convert it to a passport sized pic.
Let me tell you how to go about it....
In the first place we need to convert the passport sized pic into a sheet of photos which can be printed on a post card sized output.(around 8 pics on one printable photo).
The following website helps us in creating just the same:
http://www.photomat.eu/
Step 1: Start the photo booth. The following screen appears.
Step 2: Select the photo & click Submit
Step 3: On the next screen you can crop the photo to get the rite position and fit.
Step 4: Continue on this screen after choosing from one of the 4 formats:
a. 7:9
b. 3:4
c. 6:9
d. 1:1
Step 5: On this screen and you can select the number of pictures on one printable sheet.
8 pics on one sheet would be the most effective one.
Continue on this screen and you are on the download screen. Click on the image and download it.
a. 7:9
b. 3:4
c. 6:9
d. 1:1
Step 5: On this screen and you can select the number of pictures on one printable sheet.
8 pics on one sheet would be the most effective one.
Continue on this screen and you are on the download screen. Click on the image and download it.
Step 6: Next you need to register on a photo management site known as zoomin.com using the below link:
You need to upload the passport photo sheet that we created just now and get it printed.
This website offers first 25 prints for free.
The passport sheet that we created contains 8 pics, so 25 photos = 25 X 8 = 1000 passport size photos.
You need to pay for the shipping charges and tax for the photos.
The shipping charges are Rs. 25 and the tax on this is 2.5 RS.
The total comes down to just rs 27/-.
If you get 200 images printed from Fotofast or any other retail outlet, at an average price of 5Rs per photo, you will land up paying RS 1000 (200 X RS 5).
Using this approach you need to pay just RS. 27.
Thats a whooping 973 Rs saving.
Enjoyy !!
Do let me know if you face any issues in the above procedure and i would be more than happy to assist you.
Tuesday, May 12, 2009
Manali & Manikaran trek
A trek organised by 'Sagarmatha' group which is headed by Dr Anil Deshmukh.
The itenerary of the trek is as follows:
- Day 1: Delhi-Manali(562 kms) Departure from Delhi in a Deluxe Coach in the evening.
- Day 2: Manali-Acclimatization Day Arrive Manali and transfer to the Solang Nalla base camp. After lunch, trek to Patalsu for an acclimatization walk. Evening at leisure and overnight.
- Day 3: Trek to Rumsu After Breakfast, transfer to Naggar by Local Bus and trek upto Rumsu (2135mt).
- Day 4: Rumsu To Cheddu Pathar Climb for 4 hours and reach to the Camp site at Cheddu Pathar. Overnight in tents.
- Day 5: Trek to Chanderkhani Pass (3660 mt)A 4 hours trek leads through tall pines along the side of Chikki Nala. The Pass (3660 mt) gives an extensive panorama all round of the Bara Bangahal, Pir Panjal and Parbati ranges. Descends steeply to Malana Village (2652mt). Until 20 Years ago, entering Malana was prohibited. Even today this locality is a repubic, governed by the local partiament called KORAM. Overnight in tents outside the village near a stream.
- Day 6: Trek down to Jeri An enjoyable stretch, a broad trail meanders N/NE along the Malana Nala, through dense forest and meadow clearings. Overnight in tents.
- Day 7: Trek to Manikaran Gradual trek up to Manikaran along side Parbati river. Visit Manikaran and transfer to Manali by bus.
- Day 8: Visit ManaliFree Time for participants to visit Hadimba Devi, Monastery, Mountaineering Institute at Manali. Departure by bus to Delhi by 4pm.
- Day 9: DelhiArrival at Delhi around 8 am.
The images of the trek are on the following link:
For any further details please feel free to contact Mr. Vikas Vaidya (cell#9881499703)
Monday, May 11, 2009
Ferrari "motorcycle".....
This is only one of its kind "Ferrari motorcycle". Its just a prototype & they already call it "the creature"
Indeed priceless.......
Four friends, who hadn't seen each other in 30 years, reunited at a party
After several drinks, one of the men had to use the rest room.
Those who remained talked about their kids.
The first guy said, 'My son is my pride and joy.He started working at a successful company at the bottom of the barrel.
He studied Economics
and Business Administration and soon began to climb the corporate ladder and now he's the president of the company. He became so rich that he gave his best friend a top of the line Mercedes for his birthday.'
The second guy said, 'Darn, that's terrific! My son is also my pride and joy.
He started working for a big airline, then went to flight school to become a pilot. Eventually he became a partner in the company, where he owns the majority of its assets He's so rich that he gave his best friend a brand new jet for his birthday.'
The third man said: 'Well, that's terrific! My son studied in the best universities and became an engineer. Then he started his own construction company and is now a multimillionaire. He also gave away something very nice and expensive to his best friend for his
birthday: A 30,000 square foot mansion.'
The three friends congratulated each other just as the fourth returned from the restroom and asked: 'What are all the congratulations for?'
One of the three said: 'We were talking about the pride we feel for the successes of our sons. .What about your son?'
The fourth man replied: 'My son is gay and makes a living dancing as a stripper at a nightclub.'
The three friends said: 'What a shame... what a disappointment. '
The fourth man replied: 'No, I'm not ashamed. He's my son and I love him.
And he hasn't done too bad either. His birthday was two weeks ago, and he received a beautiful 30,000 square foot mansion, a brand new jet and a top of the line Mercedes from his three boyfriends.'
After several drinks, one of the men had to use the rest room.
Those who remained talked about their kids.
The first guy said, 'My son is my pride and joy.He started working at a successful company at the bottom of the barrel.
He studied Economics
and Business Administration and soon began to climb the corporate ladder and now he's the president of the company. He became so rich that he gave his best friend a top of the line Mercedes for his birthday.'
The second guy said, 'Darn, that's terrific! My son is also my pride and joy.
He started working for a big airline, then went to flight school to become a pilot. Eventually he became a partner in the company, where he owns the majority of its assets He's so rich that he gave his best friend a brand new jet for his birthday.'
The third man said: 'Well, that's terrific! My son studied in the best universities and became an engineer. Then he started his own construction company and is now a multimillionaire. He also gave away something very nice and expensive to his best friend for his
birthday: A 30,000 square foot mansion.'
The three friends congratulated each other just as the fourth returned from the restroom and asked: 'What are all the congratulations for?'
One of the three said: 'We were talking about the pride we feel for the successes of our sons. .What about your son?'
The fourth man replied: 'My son is gay and makes a living dancing as a stripper at a nightclub.'
The three friends said: 'What a shame... what a disappointment. '
The fourth man replied: 'No, I'm not ashamed. He's my son and I love him.
And he hasn't done too bad either. His birthday was two weeks ago, and he received a beautiful 30,000 square foot mansion, a brand new jet and a top of the line Mercedes from his three boyfriends.'
Sunday, May 10, 2009
Katrina & Ranbir shooting for Ajab prem ki gajab kahani in Magarpatta city, Pune
Katrina Kaif & Ranbir Kapoor were recently seen shooting for their upcoming film "Ajab prem ki gajab kahani" in one of Pune's best places, The Magarpatta City.
Shooting continued for a day for shooting a song, wherein Ranbir seems to be proposing Katrina.
There was tremendous amount of crowd to see the duo, especially Katrina.
The location is surrounded by IT Companies like Patni, EDS, Amdocs, Avaya, etc to name a few.
Bcoz of the hi-tech population around, folks were sited taking pics of the duo using their digicams & handy cameras.
Shooting continued for a day for shooting a song, wherein Ranbir seems to be proposing Katrina.
There was tremendous amount of crowd to see the duo, especially Katrina.
The location is surrounded by IT Companies like Patni, EDS, Amdocs, Avaya, etc to name a few.
Bcoz of the hi-tech population around, folks were sited taking pics of the duo using their digicams & handy cameras.
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