Posititude - August 14

8/11/2019 Posititude - August 14

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posititudeAugust 14 (Issue 7)

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A positive attitude Change your life 1


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Foreword

Rajinder Singh Mann

1st August 14

Bahadurgarh

Building relationship and wealth are done byinvestments. In relationship, we need to invest our

trust, support, love, affection, etc., and in buildingwealth we need to make systematic investments atdifferent stages of life.

In this issue we have tried to bring some topics whichwill strengthen your relationships, help you to be aHappier and healthier person. We have also includedone section on how to beat and face problems in life.Adversities always give learnings and strength to faceadverse conditions in life. Dont go on back foot, come

forwards, face the situation and you will see theproblem has now been converted into an occasion toenjoy and opportunity to encash results. Instead ofloosing, you gained. Actually there is nothing likeProblem, it is only unawareness, pessimism and lack ofknowledge which convert any situation into a Problem.This is life, keep reading, acquire knowledge on dailybasis and keep yourself charged with good thoughts, lifeis yours, Enjoy it, it is meant for enjoyment only.

Hope this issue will motivates you to buildup newrelations, fortified you with more tools to faceadversities and help you to plan your financials.

With Best Wishes.

[email protected]

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Contents August 14

How to be Happy ? 4 to 9

Happiness helps us perform

Positive relationship 10 to 13Relationships are building stones

Appreciation and respect 14 to 14Every one have something to be.

When the going Gets Tough 15 to 19

Nothing is tough, it is you..

Health body, Healthy mind 20 to 22

Turmeric, a mood booster

Financial Planning 23 to 26

Different Stages of life

Investment in 80C

Learning 29 to 32

Thomas EditionSwami Vivekanand

Inspirational Poem

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Happiness is a psychological feeling which make us light, jolly, contented and

motivated. All of us always wants to be happy so that we can concentrate in our

work. Nobody is jolly and elated all the time, but some individuals are definitely

more fulfilled than others. Lot of research has been done and it is concluded that

happiness has little to do with materialistic needs, goods, or wants, or highachievement. It is all about your outlook on life, relations with others. Here we

present few topics, which are important to be in happy mood.

1Be Optimist :

There are two types of people, Optimist and pessimist. Optimist always see hope,

duty, success in every difficulty and situation, where as pessimist sees difficulty in

every situation and opportunity. It all about how you think and see the things and

situation and your action proves the thoughts. If we want to analysis our barometerof Happiness, then add up all the little joyful things that happen to you during the

day. Write them down. For example, if your boss appreciate you for a small task, if

you get to eat the breakfast which you love to have, your friends make to laugh,

etc.,. Your outlook will change.

Feel deeply grateful for the things you have. This is a very effective way to be happy.

If you feel grateful for the things you have, you not only become more happy but it

also helps you to bring more into your life.

View the glass as half-full instead of half-empty. Your

girlfriend/ boyfriend broke up with you? Now you have the

chance to meet someone else! You lost your job? Now you can

seize the opportunity to find a better one! Adjust your

mentality so that, in everything that happens to you, there's

some kernel of good. Put yourself in situations where fabulous, fortunate things are

likely to happen to you. It's easier to remain optimistic if you set yourself up forsuccess. Cheating on a partner, or stealing someone's bicycle while temporarily

thrilling rarely end well for any party involved. Ask yourself before you act: Am I

setting myself up for success or for failure?

Think of your current situation (however hard it may be) and then think of how much

harder some other people have it. Just be happy that you are not in that worse

situation. Learn to enjoy your life!


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2. Own yourself.:

Never act in double manner. Always behave in you natural way. This will give

you happiness, no matter how many people like you how many rejects you.

Always accept the mistakes you do, talk in your original manner, and always

project your YOU. Try to be comfortable in your own skin and subconsciously

communicate to others that, 'This is me take it or leave it'. It means don't

apologize to anyone for something which is a part of you, like your personality,

your voice, habits (good or bad), basically anything; remember there is always

someone who likes you for the way you are. For example if you want to wear

something which is weird but you find it cool, wear it, no one is stopping you.

Its a deeper step towards building a good relationship with yourself.

3. Earn enough money to meet basic needs:You should evaluate your daily (short term needs) and future needs (Long term

needs). Any money excess than your need will never make you happy. You are

happy with the money which fulfill your requirement. Once you make enough

to support basic needs, your happiness is not significantly affected by how

much money you make, but by your level of optimism. Your comfortmay

increase with your salary, but comfort isn't what makes people happy. It makes

people bored. That's why it's important to push beyond your comfort zone to

fuel personal growth.


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4. Health body matters most.

In a healthy body resides a healthy mind. Similarly in a Happy body resides a

Happy mind. More your are happy with your body more you will be active,

enthusiastic and optimistic. Lot of research has been done to have a healthy and

happy body. Research say that exercise, healthy diets, and regular sleep are key

factors in growing more happy. Scientists hypothesize that exercise causes thebrain to release chemicals called endorphins that elevate our mood.

Eat right. Eating healthy foods fruits and vegetables, lean meats and proteins,

whole grains, nuts, and seeds gives your body and brain the energy it needs

to be healthy. Some scientists speculate that unhealthy diets, especially those

rich in processed carbohydrates, sugars, and industrial vegetable fats, is

responsible for brain shrinkage and certain brain diseases like depression and

dementia. This has been discussed in other issues of Posititude.

Get enough sleep.Sleeping is the time when our bodys metabolism is at thelowest, thereby generating less of heat. This calm our body and mind. Both are

relaxed and fresh after a sound sleep. Relaxed body and mind gives us happiness

and energy. Therefore always take enough sleep to be happy.

5. Stay close to friends and family:

Our relationship with friends and family members effect our happiness. Always

be closure to them. Even money is not a substitute for Friends and familymembers. Many of us, relocate ourselves to get more salary package or to earn

more. You may get more money, but will miss them and may not be happy and

always be craving for love and associations of them. Relationship with your

friends and family members have a far greater impact on happiness. Money will

never compensate you happiness which you will get in association ship with

friends and family members.

To be always happy, stay close to your friends and family member. There presence

give you enthusiasm, peace of mind and happiness.


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8. Be compassionate.

Compassion is all about doing something kind for someone in need, or someone

less privileged than yourself. A brain-imaging study (where scientists peek into

people's brains while they act or think) revealed that people gain as much

happiness from watching others give to charity as they do receiving moneythemselves![ Think of effective ways that you can make your community or the

world a better place by being compassionate. Compassion is a key part

of sustainable happiness:

Tutor, volunteer, or get involved in a church group. Countless children

are looking for someone to teach them and act as a role model.

Make a microloan. A microloan is when you give someone (usually in

the developing world) a very small sum of money for an economic

project of their own. Many microloans have 95%+ repayment rates. Give a person in need food, clothing or shelter. It's so basic we often

forget to think about it, yet so easy to do.

Increase the happiness of those around you by giving gifts. This will increase your

happiness as well - in fact, the one giving the gift usually feels a larger pulse of

dopamine (the neurotransmitter responsible for feeling happiness) than the

person receiving the gift!

7. Have deep, meaningful conversations.

A study by a psychologist at the University of Arizona has shown that spending

less time participating in small talk and more time in deep, meaningful

conversations can increase happiness. So next time you're beating around the

bush with a friend, instead cut right to the chase. Talk to the point. You'll be

happier for it.

8. Enjoy your job and find happiness in it:

Always choose the job which suits your skills, capabilities and interest. Right job

will give you more happiness even though you are low paid, then a job which

dont like, but highly paid. Loving you job will inculcate confidence, enthusiasm,

innovation and happiness. You will automatically buildup a healthy relationships

with the colleagues, peers and seniors. By understanding you skills and capability

and success in your job, makes you a successful and happy person.


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9. Smile a While:

When you visit an office the receptionist welcome you with smile and greeting

you also be happy and greet here in reciprocation. And of the receptionist does

welcome you with a smile, you will not look at her and will also not wish her back.

Same rule applys to you also.

Always greet every one with smile, you will get more than what

you give and buildup a healthy relationship with others. Science

suggests that when you smile, whether you're happy or not, your

mood is elevated. So smile all the time if you can! Smiling is like a

feedback loop: smiling reinforces happiness, just as happiness causes smiling.

People who smile during painful procedures reported less pain than those who

kept their facial features neutral.

10. Forgive and forget:

In a study of college students, an attitude of forgiveness contributed to better

cardiovascular health. You could say forgiveness literally heals the heart. While it

is unknown how forgiveness directly affects your heart, the study suggests that it

may lower the perception of stress.

11. Make Friends:

While travelling in train, normal we met some people whom we

get attracted while talking. Some topic of discussion will start

and you start discussing along with other passengers. Some of

the members will oppose the topic and some will favor the topic.

It is seen that the members who favor the topic becomes friends

in the entire journey. Research also says the same. So two people become

friends when their wavelength and mutual interest and beliefs matches.

When you interact with people who share your interests, you feel happier due

to sensations of reward and well-being. This is because during such

interactions, serotonin and dopamine neurotransmitters responsible for

feelings of happiness and relaxation are released into the body. In other

words, your body is designed to feel happier when engaged in social

interactions.

Source - http://www.wikihow.com


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Relationship Boosters

1) HappinessThink positive and be happy always. Like attracts like. Therefore

if you are happy, then you will attract happy persons and buildup a happy

relations. If you are Happy at Home or at Work all the person who are in

touch with you will also feel the happiness and reciprocate the same.

2) TrustTrust is the great tool to buildup a good and healthy relations. At

home trust your spouse, children and at work trust your colleagues, peers

and also make them realize the you trust them and expect the same from

them also. This will bond the relation further and bring cooperation and

transparency in the relationship.

3) LoveLove is the divine power we have inside us.

We are born with love and love the best feeling

which a human can experience. Love brings positivity

and power in us. Love brings us closure to each other.

4) AffectionGiving affection and care towards all the

family members and colleagues at work place bring

closeness and reciprocate the same bonding

in the relations.

5) EqualitySee all the with the same view and our behavior should not be

effected by the biased actions. Always give time to others to present their

views. Dont talk always, be a good listener also. Everyone wants to express,

therefore give others also chance to talk.

6) Mutual Respect - If we give respect we will

get respect in return. If we disrespect other,we cant expect respect in return. It is

natures rule, what you sow is what you ripe.

7) FriendshipAlways see friends in other, you will definitely find friends. If

you see other with envy, you will get only foe. If you want other to be friend

with you, first be friendly with other. Initiation has to be done by you first.


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8) LaughterLaughter is a good best tool to buildup

relations. It is also said that if you laugh all are

with you and when you cry you are alone. Everybody

wants to be in a good mood and happiness. Laughteris a sign of Good Health and relations.

8) Common InterestsAlways find common interest in the relationships

and talk on those only. This will strengthen the bonding and

participation by others also.

9) SupportRelationship are meant only to help each others when

needed. If we dont help each other in bad times then there is no usemaintaining relationships. Relationships are nurtured by timely

support in adversities.

10) AcceptanceAccept the friends with all

positives and negatives. All are born with

good and bad traits. Choose the good and

positives and ignore the bad part of the

character. Always talk of the positive part of

the personality. Relationship will live long.

11) ComfortFeel and convey your comfort in the presence of your

friends, this will keep the relationship live and fresh always. If you start

discomfort, others will catch that immediately and will behave

accordingly.

12) KindnessBe kind always. Whenever others are in trouble, help them,

give emotional support, be with them in the adverse situation. This will

strengthen the relationship.


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13) Strong Self esteemRespect your and others self esteem. Never hurt self esteem of others.

Hurting other will weaken the relationship.

14) Be Right and not PerfectPerfectness brings rigidity, whereas rightness is flexible and give

chance to others to participate. Whereas in Perfection, you think you are 100% right and

there is no place for others. Relationship are build when there is participation. Alwaysdiscuss with others, this will value the relationship and strengthen it.

Believe in giving.


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We all are social animal. The difference

between animal and human being is that

human being can express his feelings andcan share happiness and sorrow with each

other. We all have our own capabilities,

strengths and weaknesses. No one is

perfect. Our strengths and capabilities

helps us to achieve our goals, whereas

weakness opposes our success and makes

us face adverse situations and failures. But

failures, if taken positively can teaches usto face adverse conditions with courage

and confidence next time.

All human beings are born with strengths and weakness. No one is perfect in all field

and sphere of life. Every person has his/her own areas of concerned and expertise.

We all are complimentary to each other.

No one can do all his/her tasks independently. Others assistance and help is always

required and solicited. To make our life more happy and easy we should maintain agood relationship with all the person who are connected with us at home, work place

or in society.

To have a good relationship with all the people we should maintain a good repo with

all the persons. The best way to maintain is to see always positives in others. The

positives are the qualities which we posses and like to see the same in others.

Therefore we like the others due to the similarity of thoughts. When there is

similarity of thoughts, then there is always a bonding of good relationship betweenthe two persons. Therefore always appreciate the person having similarity with you.

This bring his/her more closure to us and ease our working.

The difference of view are not always wrong. May be the difference of view is due to

our own short comings and other person is right in his views. Therefore we should

review our views first and then only advice the other. We should always respect

others point of view, even though it may be different from ours.


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Everyday we all face various situations, various persons, various

conditions of life. Some of the situations are very pleasant and

keep us cool and keep going. But there are some situations

which are very difficult to face and some times they break us,demotivate us, suck our energy. There are persons who are

very good and cooperative, their association ship solve even a

bigger problem in no time, as if that was not a problem. But there are persons

with who even a small task become a mountain. They become bottleneck and

reason for our demotivation and failures. These are part of life. Difficult

Situations and tough persons test our acumen, patience and power to fight

negativity.

Life gives us both thing Happiness and Sorrow, Healing and pain, Good and

Bad, positive and negative. It is our choice and attitude how we take them.

Happiness, Healing, Good and positive are always welcome, but sorrow, pain,

bad and negative situation are unwelcome by us. In good times we have help

from life, similarly in bad situations also life give us help to solve in one way or

the other. Help is always there, it is only matter of recognition and acceptance.

Here are some tips how to handle the bad situations in life.

1) Keep and ignore the Bad PartThere are many situations and pains for

which we dont have any solution, but we also

dont want that pain to effect our life. Therefore

we should ignore it for time being, and keep

going, finding better options in life. Time will

come when this pain will get cured easily and in

no time. Every situation or problem has its life

cycle. In the beginning it will start disturbing us

and in peak it will try to break us. If we are

undeterred, it will start dying and vanish after some time automatically.

Ignorance is a bliss. Basically we divert our attention from the pain and

able to concentrate on our daily routine task. It will die its own, when

time come. Therefore detach from it and keep going.


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2. Some things cant be controlledThere is a quotation said by unknown

person - Why worry about things you cant

control when you can keep yourself busy

controlling the things that depend on you?

~Unknown. In rainy season some times we stuck

up at home itself and unable to move for office.

We start cursing the rain, which is not in our

control. We spoil our mood and others also. We get pain and negativity rather. I

have tested that when situation is not under control start diverting your

strength /attention towards what you can do if cant overcome the situation.

Best solution is to do what you have in hand. Keep yourself busy in some other

activity which will benefit you and overcome to face the bad situation. With

passing of time either you will get control of the situation or the situation will

pass itself. But yes you will be in better situation rather than fight with the

awkward situation. Keep going is only the Mantra.

3. Have patience, understand and learn from failuresSome times we are in a

situation where we take wrong decisions in our life and get

demotivated and unable to think to go ahead and face the

new challenges of the life which are in front of us. By the

negative fruit of the failures we get dishearten. We tooldown and keep remembering the failure. The solution is

with the failure itself. Understand the failure. Why we

failed? What are steps which push us to fail? Where we

when wrong and what went wrong? By asking these questions, we get the

reasons and solutions which we could have done to prevent failures. When we

learn from the failures, we understand our shortcomings and by knowing these,

we become more strong and equipped to face the same situation again and we

win, because we have already learned how to face and overcome the situation.Therefore understanding and learning from situations/failures is the basic rule

to upgrade knowledge and progress in life.

4. Ups and down are part of life, better understandLife is full of ups and

downs. No person in this world is spared by the lifes oscillations. With Birth

come death, with happiness comes Pain, etc., All these are complimentary to

each other. If we have on Happiness in our life then the meaning of happiness


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will vanish and if there is all pain in our life, the meaning of pain will also vanish.

Therefore dont worry in life , ups and downs are part of life and they infect boost

our immunity system.

According to a fable of Akbar and Birbal, Akbar drew a line on a wall and asked to all

subjects to make this line shorter without touching or removing any portion of this

line. All people thought at every angle, but did not get any clue how to make it

shorter without touching it. Birbal was a witty minister; he was well-known for his

presence of mind and providing the solution of the complex problems. At last,

Birbal took this challenge to make the line shorter without touching or removing

any part of the line. Everyone was surprised how Birbal would do that. Birbal took a

chalk and drew a bigger line parallel to the existing line. In comparison to the biggerline, the existing line was looking short. Birbal did it, without touching or harming

the existing line.

Larger line is called larger only if there is another smaller line and a smaller line

exists until there is no other larger line. Therefore Ups and Downs are relatives

terms and should be understood and keep going ahead despite of ups and downs.

Life is full of oscillations, ups and down are inevitable.

5. Keep going, the world is not going to wait for youToKeep going is only the

way of life. Life means keep going, once you stop it is

end of the life and death is accomplished. We all are

competing with each others. As long as we are useful

and helpful for other they will be with us. But as soon

as we are unable to help or unable to move along, no

body will wait for us. They will leave us alone and move

forward. This is practical aspect of life. Therefore always keep moving and becauseno one will wait for you. The only one person can move along with you is only you.

Keep yourself healthy and positive and keep moving without get effected by the

negatives of the life. The person who wants you will come along and who have

other way to go will take their own course.


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6. Change is only constantThe day we born, we are put into the cycle of

change. Physically our body changes from

baby to boy, boy to young man, young man

to Man and Man to an old man. This is how

human life cycle is. When we were young,we were having curiosity how we will be

when we will grow up as man. When we are

in our middle (around 45-40) , we start

feeling now the life should stop and we

should be young for ever. Which is not

possible. Change is inevitable and it has to

occur. Without change nothing is possible.

Change is life and life is change.

Therefore dont get afraid of changes.

Changes are always for good and betterment only. But we human being always

Resist change. This is due to fear and insecurity. It is not that we cant cope-up

with the changes, it is because we are afraid of the unknown effect (good/bad)

due to that change. It is all mind set. If we think change is for good, believe me it

will be good for us and we assume that the change is going to hurt us, it is also

true it is going to hurt us in one form or other.

Therefore accept that changes are always necessary for going ahead in our life

and scavenging the old dirt from our life. Change always bring newness, zeal,

learning, maturity, escaping from old junk, etc., in our life. Accept the change,

enjoy the change and explore the change, it is going to benefit us.


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Maintain the body

you will maintain your life


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Turmeric

Turmeric is that bright yellow spice most often used in

curry recipes. Tumeric comes from the root of

the Curcuma Longa plant, hence the active ingredient in

tumeric is known as curcumin. Aside from its excellent

flavour (if you like curry that is), tumeric offers many

health benefits that put it into the Superfoods category.

Health Benefits of Tumeric

Tumeric is one of many spices that offers amazing medicinal benefits when it is

consumed regularly but it isnt a cure-all magic pill. Everything we eat, tumeric

included, can be used to help our body function well. At the same time, poor food

choices can contribute to dysfunction in our body. As Hippocrates said,

Let food be thy medicine and medicine be thy food

Tumeric is an example of a food that can be a powerful medicine for many common

health concerns people face today. Here are just 7 reasons why you should consider

eating more tumeric in your weekly diet:

1. Fight Cancer

When combined with Cauliflower, tumeric has been shown to prevent certain

kinds of cancer and even inhibit the growth of existing cancers.

2. Shed Fat

The curcumin in tumeric is one of many foods that can be used to boost your

metabolic rate and therefore help you shed fat and maintain a healthy weight.

3. Be Happier

In Eastern medicine tumeric has long been used a natural treatment for

depression.

4. Detox Your Liver

The liver is the processor of all foods you put into your body. With increasing food

contaminants, and poorer quality foods in general, your liver is working

overtime. Tumeric can be used to detoxify your overworked liver, thereby

reducing your risk of developing many diseases due to chemical liver damage.
http://en.wikipedia.org/wiki/Hepatotoxicityhttp://en.wikipedia.org/wiki/Hepatotoxicity


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5. Reduce Inflammation

Chronic inflammation can be the source of so many common health problems

including sore joints, poor digestion, and weight gain. Tumeric is a

powerful natural anti-inflammatorythat can work just as well as many anti-

inflammatory drugs but without the side effects.

6. Soothe Arthritis

Because of its anti-inflammatory properties, tumeric can be used as a natural

treatment for arthritis and rheumatoid arthritis.

7. Have Beautiful Skin

Not only does tumeric speed up the healing of wounds but it also assists in

re-modelling of damaged skin. It can also be used in the treatment of psoriasisand other inflammatory skin conditions.

Source : http://makeyourbodywork.com
http://www.webmd.com/food-recipes/features/anti-inflammatory-diet-road-to-good-healthhttp://www.webmd.com/food-recipes/features/anti-inflammatory-diet-road-to-good-healthhttp://www.webmd.com/food-recipes/features/anti-inflammatory-diet-road-to-good-healthhttp://www.webmd.com/food-recipes/features/anti-inflammatory-diet-road-to-good-health


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Dont regret act now

still you have the time..


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Financial Planning at different stages of life

In our life, we passes through different stages of life. At the different stages of life

our financial needs changes. Our life priorities also changes. Our liabilities at

different time and stage also change. All of us plan according to time and need.

Some live life king size and some end up with regrets. SO financial planning is

must for all of us at different stages of life.

We should know how to plan our financials so that we live our life full of fun.

Following factors to be considered

Family Structure

Education

Service

Health

Age

Family StructureIn a typical Indian family the Eldest Son/Daughter are treated

as the role model and are considered to be the part of family earners, as soon as

in job. But, younger children enjoy the leverage of being young. If you are eldest

in the family do support your family till your other brothers and sisters are

educated. As soon as they finishes their education help them to get appropriate

job. While supporting the family keep some fund in regular income plans, may be

in a small amount. In long term these small amount will help you and induce

positive confidence in you. No one will help, only money is the best friend in the

adversities. Even if you are only one kid, dont ignore habit of saving. It is always

helpful.

Being family head, Education of the kids is prime responsibility. For financial

freedom, you should take life insurance policies for you, your spouse and

children. This ensure your and your dependents security even after life. For old

parent should have some planning for their welfare and happy living. Some times,

you may have to help your brothers and sisters also. Being responsible for other

affect you attitude and potential of taking risks in life.

HealthThis one of the most important aspect of our life and cant be ignored by

any chance. Now a days getting medical treatment is very costly.


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As we grow older, our body system needs care and sometimes it breakdown and

Immediately emergency medical treatment is required. Even we have to take

care of all our dependents like spouse, children and old parents. To get all of the

dependent timely medical treatment we should enroll all in a combined medical

policy. In combined medical policy the sum amount can be used for any or allthe members.

If we dont do it, we may end-up expending lot of money in getting the

treatment. By doing so your tolerance for risk also decreases.

Career ChoiceYou career planning fetch you the appropriate job and you job

will give you the money you want. Based on the earning only you can plan your

financial planning. Priorities changes from person to person and family to familyand circumstances to circumstances. For example if you are office going, you

have low risk of accidents than a person in sales. Therefore Sales /Field /

Manufacturing / Transporters are more exposes to risks, therefore should opt

for accidental policies.

AgeAt different stages of life, we have different level of liabilities, risks and

responsibilities. Therefore our financial planning should also be accordingly to

our needs and values at different stages of life. At the young age we have theabilities to take risks, we have abilities and willingness also. Therefore taking risk

and earning more at this stage of life is must. Investments, if any should be long

term. But we will be on the low earning and also low liabilities.


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In the middle age, our income grows along with liabilities like education, housing ,

health related, premium on Insurance, House loans, education loan, health,

Income taxes, etc.,. Also this is the stage of accumulating the money for future

liabilities like health, retirement plans, marriages of the children, etc.,. Be

cautious and priorities your liabilities and risks involved. Dont stake your future

on stake for the benefit of others. No one, but your strong financials will help you

in future.

At Older Adulthood, stop doing long-term

investments. Now is the time for big

liabilities, like marriages and establishing

your children. The money you saved will

be start help you in executing your

responsibilities. But keep spare money for

your self for retirement and old age eventualities.

At older age incomes decrease, liabilities

decrease, expenses also decreases. This is

retirement life. You should have a regular

income from retirement plans in which you

have invested in long term investment

at the time of adult hood. Otherwise you

should have other income from other resources you have building.

Depending on children in this age is going to give you helplessness, agony and

pain. So who are at the Adult age, should start investing in long term plans for old

age liabilities and livelihood.


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The Budget has raised the deduction limit. Here are the options in which you

can invest to save tax:-

PPF (Public Provident Fund)

The PPF is an all-time favourite investment option and the Budget has only

made it more attractive by enhancing the annual investment limit to Rs 1.5

lakh. The PPF offers investors a lot of flexibility. You can open an account in a

post office branch or a bank. The maximum investment of Rs1.5 lakh in a year

can be done as a lump sum or as instalments on any working day of the year.

Just make sure you invest the minimum Rs 500 in your PPF account in a year,

otherwise you will be slapped with a nominal, but irksome, penalty of Rs 50.Though the PPF account matures in 15 years, you can extend it in blocks of five

years each. The PPF is useful for risk-averse investors, self-employed

professionals and those not covered by the EPF.

ELSS funds (Equity-Linked Saving Schemes)

Equity-linked saving schemes (ELSS) have the shortest lock-in period of three

years among all the tax-saving options under Section 80C. But this should notbe the most important reason for investing in this avenue. Being equity funds,

these schemes can generate good returns for investors over the long term.

The minimum investment in ELSS funds is very low. Though regular equity

mutual funds have a minimum investment of Rs 5,000, you can put ..

SCSS (Senior Citizen Saving Scheme)

This assured return scheme is the best tax-saving avenue for senior citizens.However, the Rs 15 lakh investment limit somewhat curtails its utility. The

interest rate is 100 basis points above the 5-year government bond yield. The

interest is paid on 31 March, 30 June, 30 September and 31 December,

irrespective of when you start investing.


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NPS

Its low-cost structure, flexibility and other investor-friendly features

make the New Pension Scheme an ideal investment vehicle for

retirement planning. The scheme scores high on flexibility. The minimum

investment of Rs 6,000 can be invested as a lump sum or in instalments

of at least Rs 500. There is no limit. The investor also decides the

allocation to equity, corporate bonds and gilts. Be ready for a lot of

legwork before you can buy.

Bank FDs and NSCs

Don't get misled by the high interest rates offered on the 5-year bank

fixed deposits. Interest income is fully taxable so the post-tax yield may

not be as high as you think. In the 20 per cent and 30 per cent income tax

brackets, it is not as attractive as the yield of the tax-free PPF.

Life Insurance plans

Though the Irda guidelines for traditional plans have made insurance

policies more customer-friendly, they are still the worst way to save tax.

The tax saving is only meant to reduce the cost of insurance. It is not the

core objective of the policy.

Pension plans

The charges of pension plans offered by life insurers are significantly

higher than those of the NPS. The difference can snow .

Sourcetimes of India.


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never stop in any situation any time


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, , , ..,..

.. ..

..

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.. ....Hindi Song from Film Shor


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References

1. Http://Wikipaidia2. http://www.dictionary.com

3. Medical Encyclopedia (http://www.ncbi.nlm.nih.gov/)

4. News PapersHT, TOI, Dainik Bhaskar

5. www.thetimesofindia.com

6. www.wikihow.com
http://www.dictionary.com/http://www.ncbi.nlm.nih.gov/http://www.thetimesofindia.com/http://www.thetimesofindia.com/http://www.ncbi.nlm.nih.gov/http://www.ncbi.nlm.nih.gov/http://www.dictionary.com/


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