Archive for the ‘Kumaun’ Category

Habit of regular saving, Keep you far unexpected tension of liquidity

Written by Mahendra Singh Bora on Sunday, April 4th, 2010 in Kumaun.
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In our life we never think once about the financial planning (http://tinyurl.com/yeq3zqf) specially in bachelor life and sometime it becomes a major disadvantage or a mistake in our life. I know lots of people who understand the value of saving after few circumstances and because of some are paying loan last four and five years.

You can plan any short term policy; buy health policy, start pension plan, money back policy all plans to help you to start regular saving. It also helps you in tax saving and @ the time of maturity you will get good and tax free amount.

Like you income is 2, 00,000 a year and tax exemption is 1, 60,000 than you have to pay around 4000/- as a tax. If you invest this 40,000 amount in any saving plan you will get rebate on 4,000 and on maturity you will get approx

I am telling you because I do not want that every one will learn habit of saving to his and her own circumstances and sometime availability of liquidity becomes too difficult. So if you are you are a young person and start a career, this is perfect age to plan your saving because at the age of 35 you save around 5 to 10 lakh as per your saving and I am sure it will help you to improve you lifestyle.

So starts your saving from today and enjoy the life without tension.

For free advise visit http://tinyurl.com/y8ngcay or mail us @ info@beemaking.com

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Hi I received my Tax Returns cheque in February,2009 for the Assessment Year 2007-2008 to my Office address in Bangalore. Since I was on Leave with OutPay during that period,I was not able to receive my Cheque. Now after I joined back my office, I received it from my my Office mail room.

Since the cheque is valid for only 3 three months from the date of Issue,I want to know whats the procedure to get the return amount. Whom should I contact regarding the same in Bangalore Income Tax Office?

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Beema King : Call @ 08010 525 868 for Lowest Insurance plans

Written by admin on Thursday, March 25th, 2010 in Kumaun.
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Beema King is the leading Insurance service provider firm of Delhi, It providers online insurance support all over India. Beema is the hindi version of Insurance. Beema king provides all kind of insurance like General Insurance and Life Insurance We know the value of money & proved you good discount on no claim bonus.
In General Insurance we deals in Motor Insurance, Health Insurance, Home Insurance, Travel Insurance, Office insurance, Industry Insurance, Corporate Insurance Plan, Group Insurance Plans, Non Life Insurance etc.

In Life Insurance we deals in Group Insurance Scheme, Pension Plan, Retirement plans, Insurance Plan, UNIT plans, Child education etc.
Visit our website for more details and new offers at Beema King or call @ 08010 525 868 or mail at info@beemaking.com

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House Warming – Zirakpur – Chandigarh

Written by admin on Tuesday, March 23rd, 2010 in Kumaun.
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Well, it depends on your objective, as there are several structured product available, albeit for a fee. If you are not too busy or lazy, my personal take is keep insurance separate from investment.

Insurance is selling (transferring) your risk to a counter party (insurance company) for a fee whereas investment is buying risk (there’s risk in every investment) for a return. Insurance companies mix these two and sell structured products like Unit Linked Insurance Plan (ULP), endowment plan, Anticipate Endowment Plans/ Money Back Policy etc.

The moral of the story is that you should take pure risk cover i.e. term insurance. In case of life insurance, the amount of risk cover depends on parameters like your age, annual income, dependents, and health. Rules of thumb are

1. Get an insurance cover as early in your life as possible as premiums increase with age and are fixed for the tenure of insurance.

2. Cover should ideally be around 10 times your annual income esp. if you are the sole bread winner in the family.

3. Avoid riders if you plan to take medical insurance separately.

4. Do not take out a policy to get tax breaks. Tax saving is not the objective here; consider it a bonus.

5. Divulge all the details honestly as there is a clause in every agreement that your nominee will not be eligible for claim if the cause of mishap is related to a material misrepresentation in your policy.

6. Try to stick to established Indian players like LIC, Tata etc; although lowest premiums are offered by Max and Metlife.

Call for free advice at  08010525868 or mail at info@beemaking.com

or visit at http://insurance.itvision.in

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