Friday, April 23, 2010
Sunday, March 14, 2010
Some Ways to Reduce TDS on Salary
Some Ways to Reduce TDS on Salary
In this article, we will consult “ways to deduct less TDS on salary” to avoid hindrances for getting income tax refund from income tax department. It is very confusing for most of the assessees to get refund from income tax refund. I am receiving daily 30 to 40 queries regarding delay of income tax refund in my email. It is not possible to avoid whole of the TDS on salary, but yes we can reduce it by accepting some points. Let’s discuss some of the points to reduce TDS on salary.
At the end of the financial year employer demands documents/proofs of investments from an employee. All documents are very prominent for calculating tax by an employer on behalf an employee. Form 16 will be given by the employer assuming employee’s proof of investments.
The majority of the employer demands confirmations of investments at the end of the financial year. However, it should be demand at the start of the financial year (Where possible to submit on start). By submitting all proof of investments from starting of the financial year avoid hindrance of getting an income tax refund. So, one should start his tax planning from starting the financial year. It is not possible to invest all money on the start so you should submit as you invest during the financial year. So each month TDS to be deducted accordingly. By submitting documents proofs as you invest decrease the chance of deduct TDS more.
This is the employer duty to deduct tax at source (TDS) on an employee salary. If an employee submit all documents and proofs of investments at the end of the financial year then TDS will be deducted more.
It all happens because of employer demand proofs in respect of 80C deduction at the end of the financial year. Employees should give all proof regarding deduction under section 80 C and other deductions. Proof may be like NSC, LIP, Fixed Deposits, Hosing loan repayment, etc. For the more details see deduction u/s 80C. Employee should submit all proof with his/her declaration. There is no specific declaration, but it should be given by the employer as per his needs.
Here is the check-list of investment proof which employer demands and employee should have kept in records.
Rent Receipts/lease deed (May be submit monthly)
LIP Receipt (May be submit monthly, quartely)
NSC (May be submit as you Invest)
PPF Pass book (May be submit as you invest)
Fixed Deposits (May be submit as you invest)
Children School Fees Receipts (May be submit monthly)
Housing loan repayment amortization (difficult to submit monthly)
Housing loan interest certificate (if possible submit monthly)
Donation Receipts us 80G (May be submit as you donate)
Medical Bills (May be submit as you pay)
Same investment if on the name of children and spouse (May be submit as you invest)
(See : Family investment is eligible for deduction u/s 80C )
All photocopies should be for the current financial year. If an employer asks for original document for any verification, employee should submit it later.After considering all document/proof employers will give from 16 in original to an employee. Employee should have kept in record for any future incompatibility with tax authorities.
In this article, we have discussed the process/ways of avoid TDS on Salary. We have also given a compact checklist of documents for investment, which should have kept in record of an employee. In future article, we will discuss about the check-list of document before submit income tax return.
In this article, we will consult “ways to deduct less TDS on salary” to avoid hindrances for getting income tax refund from income tax department. It is very confusing for most of the assessees to get refund from income tax refund. I am receiving daily 30 to 40 queries regarding delay of income tax refund in my email. It is not possible to avoid whole of the TDS on salary, but yes we can reduce it by accepting some points. Let’s discuss some of the points to reduce TDS on salary.
At the end of the financial year employer demands documents/proofs of investments from an employee. All documents are very prominent for calculating tax by an employer on behalf an employee. Form 16 will be given by the employer assuming employee’s proof of investments.
The majority of the employer demands confirmations of investments at the end of the financial year. However, it should be demand at the start of the financial year (Where possible to submit on start). By submitting all proof of investments from starting of the financial year avoid hindrance of getting an income tax refund. So, one should start his tax planning from starting the financial year. It is not possible to invest all money on the start so you should submit as you invest during the financial year. So each month TDS to be deducted accordingly. By submitting documents proofs as you invest decrease the chance of deduct TDS more.
This is the employer duty to deduct tax at source (TDS) on an employee salary. If an employee submit all documents and proofs of investments at the end of the financial year then TDS will be deducted more.
It all happens because of employer demand proofs in respect of 80C deduction at the end of the financial year. Employees should give all proof regarding deduction under section 80 C and other deductions. Proof may be like NSC, LIP, Fixed Deposits, Hosing loan repayment, etc. For the more details see deduction u/s 80C. Employee should submit all proof with his/her declaration. There is no specific declaration, but it should be given by the employer as per his needs.
Here is the check-list of investment proof which employer demands and employee should have kept in records.
Rent Receipts/lease deed (May be submit monthly)
LIP Receipt (May be submit monthly, quartely)
NSC (May be submit as you Invest)
PPF Pass book (May be submit as you invest)
Fixed Deposits (May be submit as you invest)
Children School Fees Receipts (May be submit monthly)
Housing loan repayment amortization (difficult to submit monthly)
Housing loan interest certificate (if possible submit monthly)
Donation Receipts us 80G (May be submit as you donate)
Medical Bills (May be submit as you pay)
Same investment if on the name of children and spouse (May be submit as you invest)
(See : Family investment is eligible for deduction u/s 80C )
All photocopies should be for the current financial year. If an employer asks for original document for any verification, employee should submit it later.After considering all document/proof employers will give from 16 in original to an employee. Employee should have kept in record for any future incompatibility with tax authorities.
In this article, we have discussed the process/ways of avoid TDS on Salary. We have also given a compact checklist of documents for investment, which should have kept in record of an employee. In future article, we will discuss about the check-list of document before submit income tax return.
Budget Terms Simplified
Budget Terms Simplified
There are lots of terms in budget, which are difficult to understand like what is the meaning and what is the importance in budget. Below are the some important terms, one can understand easily.
Budget Estimates: It is an estimation of income and expenses for the year. This is the first step of the government to prepare budget accordingly. Same as we make estimate for the month before taking our salaries.
Budget Deficit: As it appears from its name just more expenses then income. It is a situation when government think for other sources to control over it. Same like as general saying ‘Chadar Dekh Kar Per Pasaro”.
Consumer Price Index: A price index covering the prices of consumer goods. This is contrasted with a more general price index, such as the GDP, which also includes investment gods and goods purchased by the government.
Finance Bill: Before become the fiance act it is a finance bill. Finance bill have proposals, but when it is passed in parliament and it becomes the finance act.
Subsidies: Financial aid provided by the Center to individuals or a group of individuals to be competitive. The grant of subsidies is also aimed at improving their skills of those who benefit from the subsidies.
Disinvestment: Disinvestment, sometimes referred to as divestment, to meet the expenditure or otherwise sale of its part or whole of its ownership in a PSU.
Taxes: To generate income and to meet the expenditure of estimation in budget, the government make new taxes, reduce taxes, enhance taxes in the shape of direct taxes and indirect taxes. For example: income tax, central excise, service tax,
Gross Domestic Product (GDP): The gross domestic product (GDP) or gross domestic income (GDI) is a basic measure of a country’s overall economic output. It is the market value of all final goods and services made within the borders of a country in a year. It is often positively correlated with the standard of living, though its use as a stand-in for measuring the standard of living has come under increasing criticism and many countries are actively exploring alternative measures to GDP for that purpose.Capital Expenditure: Long-term in nature they are used for acquiring fixed assets such as land, building, machinery and equipment. Other items that also fall under this category include, loans and advances sanctioned by the Center to the State governments, union territories and public sector undertakings.
Capital Receipt: Loans raised by the Center from the market, government borrowings from the RBI & other parties, sale of Treasury Bills and loans received from foreign governments all form a part of Capital Receipt.
There are lots of terms in budget, which are difficult to understand like what is the meaning and what is the importance in budget. Below are the some important terms, one can understand easily.
Budget Estimates: It is an estimation of income and expenses for the year. This is the first step of the government to prepare budget accordingly. Same as we make estimate for the month before taking our salaries.
Budget Deficit: As it appears from its name just more expenses then income. It is a situation when government think for other sources to control over it. Same like as general saying ‘Chadar Dekh Kar Per Pasaro”.
Consumer Price Index: A price index covering the prices of consumer goods. This is contrasted with a more general price index, such as the GDP, which also includes investment gods and goods purchased by the government.
Finance Bill: Before become the fiance act it is a finance bill. Finance bill have proposals, but when it is passed in parliament and it becomes the finance act.
Subsidies: Financial aid provided by the Center to individuals or a group of individuals to be competitive. The grant of subsidies is also aimed at improving their skills of those who benefit from the subsidies.
Disinvestment: Disinvestment, sometimes referred to as divestment, to meet the expenditure or otherwise sale of its part or whole of its ownership in a PSU.
Taxes: To generate income and to meet the expenditure of estimation in budget, the government make new taxes, reduce taxes, enhance taxes in the shape of direct taxes and indirect taxes. For example: income tax, central excise, service tax,
Gross Domestic Product (GDP): The gross domestic product (GDP) or gross domestic income (GDI) is a basic measure of a country’s overall economic output. It is the market value of all final goods and services made within the borders of a country in a year. It is often positively correlated with the standard of living, though its use as a stand-in for measuring the standard of living has come under increasing criticism and many countries are actively exploring alternative measures to GDP for that purpose.Capital Expenditure: Long-term in nature they are used for acquiring fixed assets such as land, building, machinery and equipment. Other items that also fall under this category include, loans and advances sanctioned by the Center to the State governments, union territories and public sector undertakings.
Capital Receipt: Loans raised by the Center from the market, government borrowings from the RBI & other parties, sale of Treasury Bills and loans received from foreign governments all form a part of Capital Receipt.
Friday, March 12, 2010
Tips to face job interviews confidently
Tips to face job interviews confidently
We dread interviews and when we are scared, we bungle. Confidence and preparedness are the only two things that can help to keep your cool and succeed at interviews. Here's how.
Friday, June 26, 2009 3:58:54 PM 9 Comments
Most of us dread job interviews but it’s the key to a successful job. And hence approaching them in a proper manner is the key to success. These tips will help you to stay calm and focused instead of being a nervous wreck. Follow these to achieve success.
Go prepared: Find out about the company’s vision, goal, products, the work culture and the management from the website. Then from the job description, analyse how suitable you are as a candidate. You can’t be prepared for all questions as there will be some googlies and bouncers hurled at you. But there are some common questions and if you’re prepared for them, half the battle is won. You’ll be less tongue-tied and appear more confident if you’re ready with the response. You can check out what the interviewer wants to know for the same.
Be thorough with your CV: You should be familiar with whatever is mentioned in the CV. Read it thoroughly so that you’re not stumped by any question regarding your past employment and education.
Act confident: Even if you don’t feel confident, act as one emanating confidence. Your body language should be accurate and you should be making a positive impact during the interview. Sit straight on the chair and look into the eyes of the interviewer. Remember, you’ve nothing to lose and go with that mind-set. This causes less palpable stress.
Sleep well: A good night’s sleep is essential to stay fresh in body and mind. Never keep the preparation planning till the last moment. Be ready with your interview dress and keep your shoes polished. Women should clip their nails and remove nail paint if it’s uneven at places and smoothen it well in advance. Never eat late or have an extra drink the night before the interview as that might leave you with a hangover. Try to remain calm and happy to be successful.
Be on time: Travelling to the interview can be stressful, especially if you’ve to commute large distances. Try and do a trial run a day in advance so that you know how long it can take you to reach there. Thus, you can plan as per your schedule and convenience. Remember, arriving late for whatever reasons is totally inexcusable.
Take deep breaths: If you’ve been made to wait in the reception, have a glass of water and take some deep breaths so that your voice is regulated and you don’t seem shaky. Also, prepare for some small talk, like what you would be saying about yourself, etc. This is essentially to break the ice and you’re at ease instead of sounding like a diffident person.
Prefer mornings to the second half: Mostly you wouldn’t be given an option, but if so, prefer morning slots to an afternoon one. Though it doesn’t always matter but you’re fresh in the morning and after you’re through, you can plan the rest of the day accordingly. If the interview's scheduled in the the second half, you carry the baggage of the schedules and plans for the entire day as well as the interview stress and come across as jaded.
Lastly, it goes without saying, be relaxed and don't worry overly. The job interview is for both parties, ie. both for you and the employer to decide on the respective suitabilities; so go with an open mind and try to be calm.
Rajashree B Mustafi
Successful Forum : Latest tips, tricks and advice to running a successful forum.Forex Club, Top10 Broker
We dread interviews and when we are scared, we bungle. Confidence and preparedness are the only two things that can help to keep your cool and succeed at interviews. Here's how.
Friday, June 26, 2009 3:58:54 PM 9 Comments
Most of us dread job interviews but it’s the key to a successful job. And hence approaching them in a proper manner is the key to success. These tips will help you to stay calm and focused instead of being a nervous wreck. Follow these to achieve success.
Go prepared: Find out about the company’s vision, goal, products, the work culture and the management from the website. Then from the job description, analyse how suitable you are as a candidate. You can’t be prepared for all questions as there will be some googlies and bouncers hurled at you. But there are some common questions and if you’re prepared for them, half the battle is won. You’ll be less tongue-tied and appear more confident if you’re ready with the response. You can check out what the interviewer wants to know for the same.
Be thorough with your CV: You should be familiar with whatever is mentioned in the CV. Read it thoroughly so that you’re not stumped by any question regarding your past employment and education.
Act confident: Even if you don’t feel confident, act as one emanating confidence. Your body language should be accurate and you should be making a positive impact during the interview. Sit straight on the chair and look into the eyes of the interviewer. Remember, you’ve nothing to lose and go with that mind-set. This causes less palpable stress.
Sleep well: A good night’s sleep is essential to stay fresh in body and mind. Never keep the preparation planning till the last moment. Be ready with your interview dress and keep your shoes polished. Women should clip their nails and remove nail paint if it’s uneven at places and smoothen it well in advance. Never eat late or have an extra drink the night before the interview as that might leave you with a hangover. Try to remain calm and happy to be successful.
Be on time: Travelling to the interview can be stressful, especially if you’ve to commute large distances. Try and do a trial run a day in advance so that you know how long it can take you to reach there. Thus, you can plan as per your schedule and convenience. Remember, arriving late for whatever reasons is totally inexcusable.
Take deep breaths: If you’ve been made to wait in the reception, have a glass of water and take some deep breaths so that your voice is regulated and you don’t seem shaky. Also, prepare for some small talk, like what you would be saying about yourself, etc. This is essentially to break the ice and you’re at ease instead of sounding like a diffident person.
Prefer mornings to the second half: Mostly you wouldn’t be given an option, but if so, prefer morning slots to an afternoon one. Though it doesn’t always matter but you’re fresh in the morning and after you’re through, you can plan the rest of the day accordingly. If the interview's scheduled in the the second half, you carry the baggage of the schedules and plans for the entire day as well as the interview stress and come across as jaded.
Lastly, it goes without saying, be relaxed and don't worry overly. The job interview is for both parties, ie. both for you and the employer to decide on the respective suitabilities; so go with an open mind and try to be calm.
Rajashree B Mustafi
Successful Forum : Latest tips, tricks and advice to running a successful forum.Forex Club, Top10 Broker
Tips to face job interviews confidently
Tips to face job interviews confidently
We dread interviews and when we are scared, we bungle. Confidence and preparedness are the only two things that can help to keep your cool and succeed at interviews. Here's how.
Friday, June 26, 2009 3:58:54 PM 9 Comments
Most of us dread job interviews but it’s the key to a successful job. And hence approaching them in a proper manner is the key to success. These tips will help you to stay calm and focused instead of being a nervous wreck. Follow these to achieve success.
Go prepared: Find out about the company’s vision, goal, products, the work culture and the management from the website. Then from the job description, analyse how suitable you are as a candidate. You can’t be prepared for all questions as there will be some googlies and bouncers hurled at you. But there are some common questions and if you’re prepared for them, half the battle is won. You’ll be less tongue-tied and appear more confident if you’re ready with the response. You can check out what the interviewer wants to know for the same.
Be thorough with your CV: You should be familiar with whatever is mentioned in the CV. Read it thoroughly so that you’re not stumped by any question regarding your past employment and education.
Act confident: Even if you don’t feel confident, act as one emanating confidence. Your body language should be accurate and you should be making a positive impact during the interview. Sit straight on the chair and look into the eyes of the interviewer. Remember, you’ve nothing to lose and go with that mind-set. This causes less palpable stress.
Sleep well: A good night’s sleep is essential to stay fresh in body and mind. Never keep the preparation planning till the last moment. Be ready with your interview dress and keep your shoes polished. Women should clip their nails and remove nail paint if it’s uneven at places and smoothen it well in advance. Never eat late or have an extra drink the night before the interview as that might leave you with a hangover. Try to remain calm and happy to be successful.
Be on time: Travelling to the interview can be stressful, especially if you’ve to commute large distances. Try and do a trial run a day in advance so that you know how long it can take you to reach there. Thus, you can plan as per your schedule and convenience. Remember, arriving late for whatever reasons is totally inexcusable.
Take deep breaths: If you’ve been made to wait in the reception, have a glass of water and take some deep breaths so that your voice is regulated and you don’t seem shaky. Also, prepare for some small talk, like what you would be saying about yourself, etc. This is essentially to break the ice and you’re at ease instead of sounding like a diffident person.
Prefer mornings to the second half: Mostly you wouldn’t be given an option, but if so, prefer morning slots to an afternoon one. Though it doesn’t always matter but you’re fresh in the morning and after you’re through, you can plan the rest of the day accordingly. If the interview's scheduled in the the second half, you carry the baggage of the schedules and plans for the entire day as well as the interview stress and come across as jaded.
Lastly, it goes without saying, be relaxed and don't worry overly. The job interview is for both parties, ie. both for you and the employer to decide on the respective suitabilities; so go with an open mind and try to be calm.
Rajashree B Mustafi
Successful Forum : Latest tips, tricks and advice to running a successful forum.Forex Club, Top10 Broker
We dread interviews and when we are scared, we bungle. Confidence and preparedness are the only two things that can help to keep your cool and succeed at interviews. Here's how.
Friday, June 26, 2009 3:58:54 PM 9 Comments
Most of us dread job interviews but it’s the key to a successful job. And hence approaching them in a proper manner is the key to success. These tips will help you to stay calm and focused instead of being a nervous wreck. Follow these to achieve success.
Go prepared: Find out about the company’s vision, goal, products, the work culture and the management from the website. Then from the job description, analyse how suitable you are as a candidate. You can’t be prepared for all questions as there will be some googlies and bouncers hurled at you. But there are some common questions and if you’re prepared for them, half the battle is won. You’ll be less tongue-tied and appear more confident if you’re ready with the response. You can check out what the interviewer wants to know for the same.
Be thorough with your CV: You should be familiar with whatever is mentioned in the CV. Read it thoroughly so that you’re not stumped by any question regarding your past employment and education.
Act confident: Even if you don’t feel confident, act as one emanating confidence. Your body language should be accurate and you should be making a positive impact during the interview. Sit straight on the chair and look into the eyes of the interviewer. Remember, you’ve nothing to lose and go with that mind-set. This causes less palpable stress.
Sleep well: A good night’s sleep is essential to stay fresh in body and mind. Never keep the preparation planning till the last moment. Be ready with your interview dress and keep your shoes polished. Women should clip their nails and remove nail paint if it’s uneven at places and smoothen it well in advance. Never eat late or have an extra drink the night before the interview as that might leave you with a hangover. Try to remain calm and happy to be successful.
Be on time: Travelling to the interview can be stressful, especially if you’ve to commute large distances. Try and do a trial run a day in advance so that you know how long it can take you to reach there. Thus, you can plan as per your schedule and convenience. Remember, arriving late for whatever reasons is totally inexcusable.
Take deep breaths: If you’ve been made to wait in the reception, have a glass of water and take some deep breaths so that your voice is regulated and you don’t seem shaky. Also, prepare for some small talk, like what you would be saying about yourself, etc. This is essentially to break the ice and you’re at ease instead of sounding like a diffident person.
Prefer mornings to the second half: Mostly you wouldn’t be given an option, but if so, prefer morning slots to an afternoon one. Though it doesn’t always matter but you’re fresh in the morning and after you’re through, you can plan the rest of the day accordingly. If the interview's scheduled in the the second half, you carry the baggage of the schedules and plans for the entire day as well as the interview stress and come across as jaded.
Lastly, it goes without saying, be relaxed and don't worry overly. The job interview is for both parties, ie. both for you and the employer to decide on the respective suitabilities; so go with an open mind and try to be calm.
Rajashree B Mustafi
Successful Forum : Latest tips, tricks and advice to running a successful forum.Forex Club, Top10 Broker
Successful Interview Tips
Successful Interview Tips
Employer looks for intelligence (intellectual and emotional), communication skills, leadership qualities, ethics, competence, energy, imagination etc., from the candidate. Why Do Candidates Fail In An Interview * Poor grooming * Discourteous and ungraceful body language * Poor manners * Poor diction * Vague responses * Unappealing resume * Monetary benefits-centric approach * Lack of punctuality * Poor waiting hall behaviour Some Behavioural "Unfavourable" Aspects * Lack of personal or career goals * Lack of enthusiasm and confidence * Not owning up responsibility for mistakes * Self-justification, aggressiveness * Lack ofemotional maturity * Negative and cynical attitude * Over-reacting to questions * Lacking sense of humour * Complaining about various things and previous employers Preparing for an interview - Look for * Company's main products and services and likely new products and services * Its key markets, its position in market and between major competitors * Its financial position / profit / turnover * Its history, reputation and achievements * Arrange all the papers required in a folder : Resume / CV, call letters, degree certificates, mark lists, NSS, NCC, sports / games certificates, experience certificates, references. The Previous Day * Confirm the venue of the interview, distance, and mode of transport * Locate the venue earlier * Relax, have good sleep, visualise and pray The Interview Day * Reach the venue at least 45 minutes ahead of the interview * Get familiar with the amblience * Dont carry too much baggage * Report to the authority concerned
Employer looks for intelligence (intellectual and emotional), communication skills, leadership qualities, ethics, competence, energy, imagination etc., from the candidate. Why Do Candidates Fail In An Interview * Poor grooming * Discourteous and ungraceful body language * Poor manners * Poor diction * Vague responses * Unappealing resume * Monetary benefits-centric approach * Lack of punctuality * Poor waiting hall behaviour Some Behavioural "Unfavourable" Aspects * Lack of personal or career goals * Lack of enthusiasm and confidence * Not owning up responsibility for mistakes * Self-justification, aggressiveness * Lack ofemotional maturity * Negative and cynical attitude * Over-reacting to questions * Lacking sense of humour * Complaining about various things and previous employers Preparing for an interview - Look for * Company's main products and services and likely new products and services * Its key markets, its position in market and between major competitors * Its financial position / profit / turnover * Its history, reputation and achievements * Arrange all the papers required in a folder : Resume / CV, call letters, degree certificates, mark lists, NSS, NCC, sports / games certificates, experience certificates, references. The Previous Day * Confirm the venue of the interview, distance, and mode of transport * Locate the venue earlier * Relax, have good sleep, visualise and pray The Interview Day * Reach the venue at least 45 minutes ahead of the interview * Get familiar with the amblience * Dont carry too much baggage * Report to the authority concerned
Healthy Eating Tips
Healthy Eating Tips
Major areas of concern in public health nutrition have moved from problems of nutritionaldeficiency to problems of excesses and imbalances. It now appears that problemsof over consumption are as prevalent as the problems of under consumption.There is sufficient scientific evidence to suggest that diets high in total fat and sugars and diets low in fiber and carbohydrates are linked to Coronary artery diseases, diabetes, Stroke and certain cancers.
In view of this, changing dietary patterns and balancing nutritional status is viewed as a key to improve public health.Conflicting messages about diet, including publicity for “fad” diets (diets that gain popularity very quickly and also fall out of favor just as quickly) tend to distort the public’s understanding of healthy eating. Several myths also persist,such as skipping meals is a good way to loseweight, all fats are bad or carbohydrates should be limited when tryingto lose weight.
A balanced diet based on appropriate proportions of all the food groups, cooked in a healthy way is the road to health. Food preferences vary with individuals and body type also becomes a deciding factor. Health professionals can guide individuals towards a varied, yet balanced diet.
Here are a few tips to stay healthy:
Never skip meals. Skipping meals has no advantage in health and it is a major causeof weight gain in the long-term. When a meal is missed, the body metabolism slowsdown, leading to more intake of high-calorie and high-fat foods soon after.
Prefer to opt for high-fiber foods like whole-grain breads and cereals, whole pulses,beans, vegetables and fruits. This will lower the risk for chron¬ic diseases, suchas Coronary heart disease and Diabetes.
For the meat eaters, lean meat, fish, or chicken without the skin can be added tothe diet with a careful watch on the intake of calories in each meal.
To satisfy the calcium and vitamin D requirements of the body, low-fat/fat-freemilk, yogurt or cheese is recommended. This will strengthen the bones even withage. Alternatives to milk such as soymilk or tofu also obtained from soy are advised.
Some foods are rich in some nutrients, but there is none that has all the nutrientsneeded by the body. Foods from the different food groups and all colors have tobe selected to ensure a steady supply of all vitamins and nutrients required bythe body.
Food combinations and smart cooking ideas can make mealtime more enjoyable. Thiswill also add to the variety of food types in the daily diet. Having the right perspectiveto healthy eating and adding a few creative skills will be able see long-term healthgains.
Fresh fruits, dry fruits like dried apricots, roasted grams and salads, whole-wheatcrackers and soups without starch and fat can be kept handy to be used as snacksso as to avoid snacking on unhealthy foods. High-fat and high-sugar snacks likecakes, samosas, kocharies, fried bhugias, chips and soda should be avoided.
Consuming plenty of water and other fluids like limejuice, green tea is always recommended.Water keeps the body well hydrated and controls your appetite to a certain extent.
Salads made of fresh fruits and vegetable can be added to each meal. This will ensurea supply of fiber and vitamins and also creates a fullness effect preferred by manyweight watchers.
Every meal should be enjoyed and consumed slowly. This will aid better digestionof the food.
Finally the best plan of action to achieve and maintain a healthy weight is to havea balance between the amount of energy consumed and the amount of energy spent.
A healthy and balanced eating plan should ensure that the following foods are eatenevery day:
1. Whole grain breads, cereals and brown rice.
2. A variety of fruitsand vegetables, either raw or cooked.
3. Lean meat, poultry, fish eggs, beans andother dry legumes.
4. Low fat milk, yogurt or other fat free milk products.
Major areas of concern in public health nutrition have moved from problems of nutritionaldeficiency to problems of excesses and imbalances. It now appears that problemsof over consumption are as prevalent as the problems of under consumption.There is sufficient scientific evidence to suggest that diets high in total fat and sugars and diets low in fiber and carbohydrates are linked to Coronary artery diseases, diabetes, Stroke and certain cancers.
In view of this, changing dietary patterns and balancing nutritional status is viewed as a key to improve public health.Conflicting messages about diet, including publicity for “fad” diets (diets that gain popularity very quickly and also fall out of favor just as quickly) tend to distort the public’s understanding of healthy eating. Several myths also persist,such as skipping meals is a good way to loseweight, all fats are bad or carbohydrates should be limited when tryingto lose weight.
A balanced diet based on appropriate proportions of all the food groups, cooked in a healthy way is the road to health. Food preferences vary with individuals and body type also becomes a deciding factor. Health professionals can guide individuals towards a varied, yet balanced diet.
Here are a few tips to stay healthy:
Never skip meals. Skipping meals has no advantage in health and it is a major causeof weight gain in the long-term. When a meal is missed, the body metabolism slowsdown, leading to more intake of high-calorie and high-fat foods soon after.
Prefer to opt for high-fiber foods like whole-grain breads and cereals, whole pulses,beans, vegetables and fruits. This will lower the risk for chron¬ic diseases, suchas Coronary heart disease and Diabetes.
For the meat eaters, lean meat, fish, or chicken without the skin can be added tothe diet with a careful watch on the intake of calories in each meal.
To satisfy the calcium and vitamin D requirements of the body, low-fat/fat-freemilk, yogurt or cheese is recommended. This will strengthen the bones even withage. Alternatives to milk such as soymilk or tofu also obtained from soy are advised.
Some foods are rich in some nutrients, but there is none that has all the nutrientsneeded by the body. Foods from the different food groups and all colors have tobe selected to ensure a steady supply of all vitamins and nutrients required bythe body.
Food combinations and smart cooking ideas can make mealtime more enjoyable. Thiswill also add to the variety of food types in the daily diet. Having the right perspectiveto healthy eating and adding a few creative skills will be able see long-term healthgains.
Fresh fruits, dry fruits like dried apricots, roasted grams and salads, whole-wheatcrackers and soups without starch and fat can be kept handy to be used as snacksso as to avoid snacking on unhealthy foods. High-fat and high-sugar snacks likecakes, samosas, kocharies, fried bhugias, chips and soda should be avoided.
Consuming plenty of water and other fluids like limejuice, green tea is always recommended.Water keeps the body well hydrated and controls your appetite to a certain extent.
Salads made of fresh fruits and vegetable can be added to each meal. This will ensurea supply of fiber and vitamins and also creates a fullness effect preferred by manyweight watchers.
Every meal should be enjoyed and consumed slowly. This will aid better digestionof the food.
Finally the best plan of action to achieve and maintain a healthy weight is to havea balance between the amount of energy consumed and the amount of energy spent.
A healthy and balanced eating plan should ensure that the following foods are eatenevery day:
1. Whole grain breads, cereals and brown rice.
2. A variety of fruitsand vegetables, either raw or cooked.
3. Lean meat, poultry, fish eggs, beans andother dry legumes.
4. Low fat milk, yogurt or other fat free milk products.
Tips to Slim Down
Tips to Slim Down
Despite what one may think, losing weight is not a mysterious process. In fact,weight loss does not even have to involve strange diets, special exercises or even the 'magic' of pills or fitness gadgets.The secret to weight loss is to make small changes each and every day and you will slowly lose those kilograms.
Some tips for losing weight are:
1. Pay attentionwhile you eat. Many times, we snack while doing other things such aswatching TV. Without even knowing it, we have consumed a few hundredextra calories.That may not seem like much, but it adds up.
2. Regulateyour meal times. Pick times throughout the day when you can sit downand actually enjoy your breakfast, lunch and dinner. Stick to thesethis to allow your body to pick up on the times and allow it to getused to processing food at these times.
1. Get in the habit of eating healthily on a daily basis. Eat loads offresh fruit and vegetables throughout the day. This is certainly goingto help with your cravings for junk food and just after a few days youwill be feeling much healthier and fitter.
2. Start and finishyour eating for the day early. Eat breakfast as early as possible,andfinish your day off with an early dinner and a no-eat-after-8pm (forexample)policy. Your body is most active during the daytime, whichmeans that it will burn more calories then than at night.
3. Avoidlate night snacks as they can prevent you from losing weight. As saidearlier,your body is less active at night, meaning that you have agreater chance of turning that slice of pizza into pure fat thanburning it as a source of energy.
4. Eat your vegetables.Vegetables, especially raw ones, burn more calories than those packedin the vegetables themselves. Also, the fiber in vegetables gives asense of fullness.
5. Be honest with yourself. If you know you have a weakness for chocolatechip cookies,buying a two-pound bag to keep in the house may give youmore temptation than you can handle; if you know you do not have a lotof energy in the morning, it can be self-defeating to plan on joggingevery morning before work.
1. Take a walk each and every day! You can start with 15 min and then building to 45min and then an hour an a half! You will be amazed just how quickly you will see results—not just in your weight loss, but your overall sense of well-being. Regular exercise limits stress and anxiety and there is also the bonus that you could walk in some really beautiful places.
2. Watch no more than 2 h of TV a day. Studies have shown that adults who watch more than 2 h of TV per day take in 7% more calories and consume more sugary snacks than those who watch less than an hour a day.
3. Take five (thousand) extra steps a day. A typical person takes about 5000 steps per day between going to work, running errands and doing chores around the house.Doubling that number can have significant health benefits: higher ‘good’ HDL cholesterol levels, lower blood pressure, improved glucose control, of course, a lower number on the weighing scale. Walking more steps per day also leads to a lower percentage of body fat and slimmer waists and hips.
4. Drink at least eight glasses of water per day. Water is not just a thirst quencher―it actually speeds the body's metabolism. No calories are ingested when drinking water,instead calories are used. Try drinking a glass before meals and snacks and before consuming sweetened drinks or juices.
5. And finally, stand up for your goals
Despite what one may think, losing weight is not a mysterious process. In fact,weight loss does not even have to involve strange diets, special exercises or even the 'magic' of pills or fitness gadgets.The secret to weight loss is to make small changes each and every day and you will slowly lose those kilograms.
Some tips for losing weight are:
1. Pay attentionwhile you eat. Many times, we snack while doing other things such aswatching TV. Without even knowing it, we have consumed a few hundredextra calories.That may not seem like much, but it adds up.
2. Regulateyour meal times. Pick times throughout the day when you can sit downand actually enjoy your breakfast, lunch and dinner. Stick to thesethis to allow your body to pick up on the times and allow it to getused to processing food at these times.
1. Get in the habit of eating healthily on a daily basis. Eat loads offresh fruit and vegetables throughout the day. This is certainly goingto help with your cravings for junk food and just after a few days youwill be feeling much healthier and fitter.
2. Start and finishyour eating for the day early. Eat breakfast as early as possible,andfinish your day off with an early dinner and a no-eat-after-8pm (forexample)policy. Your body is most active during the daytime, whichmeans that it will burn more calories then than at night.
3. Avoidlate night snacks as they can prevent you from losing weight. As saidearlier,your body is less active at night, meaning that you have agreater chance of turning that slice of pizza into pure fat thanburning it as a source of energy.
4. Eat your vegetables.Vegetables, especially raw ones, burn more calories than those packedin the vegetables themselves. Also, the fiber in vegetables gives asense of fullness.
5. Be honest with yourself. If you know you have a weakness for chocolatechip cookies,buying a two-pound bag to keep in the house may give youmore temptation than you can handle; if you know you do not have a lotof energy in the morning, it can be self-defeating to plan on joggingevery morning before work.
1. Take a walk each and every day! You can start with 15 min and then building to 45min and then an hour an a half! You will be amazed just how quickly you will see results—not just in your weight loss, but your overall sense of well-being. Regular exercise limits stress and anxiety and there is also the bonus that you could walk in some really beautiful places.
2. Watch no more than 2 h of TV a day. Studies have shown that adults who watch more than 2 h of TV per day take in 7% more calories and consume more sugary snacks than those who watch less than an hour a day.
3. Take five (thousand) extra steps a day. A typical person takes about 5000 steps per day between going to work, running errands and doing chores around the house.Doubling that number can have significant health benefits: higher ‘good’ HDL cholesterol levels, lower blood pressure, improved glucose control, of course, a lower number on the weighing scale. Walking more steps per day also leads to a lower percentage of body fat and slimmer waists and hips.
4. Drink at least eight glasses of water per day. Water is not just a thirst quencher―it actually speeds the body's metabolism. No calories are ingested when drinking water,instead calories are used. Try drinking a glass before meals and snacks and before consuming sweetened drinks or juices.
5. And finally, stand up for your goals
Thursday, March 11, 2010
Got this thro ---may helpsomebody
Got this thro Email.....may helpsomebody
Infosys Scholarship for Poor Students who completed 10th std.-Pls. Read & Forward to benefit the needyDear Friends, If you have come across any bright students coming from poor financial background who have finished their 10th standard this year (April 2009) and scored more than 80%, please ask them to contact the NGO-Prerana (supported by Infosys foundation). The NGO is conducting a written test and those who clear the test will be eligible for financial help for their further studies. Please ask the students to contact the people mentioned below to get the form #580, Shubhakar , 44th cross,1st ‘A’ main road,jayanagar 7th block Bangalore Mob no- 9900906338(saraswat i) Mr. Shivkumar ( 9986630301) - Hanumanthnagar office Ms. Bindu (9964534667 )-Yeshwantpur office Even if you don’t know anyone, please pass on this info, someone might be in need of this help desperately
Infosys Scholarship for Poor Students who completed 10th std.-Pls. Read & Forward to benefit the needyDear Friends, If you have come across any bright students coming from poor financial background who have finished their 10th standard this year (April 2009) and scored more than 80%, please ask them to contact the NGO-Prerana (supported by Infosys foundation). The NGO is conducting a written test and those who clear the test will be eligible for financial help for their further studies. Please ask the students to contact the people mentioned below to get the form #580, Shubhakar , 44th cross,1st ‘A’ main road,jayanagar 7th block Bangalore Mob no- 9900906338(saraswat i) Mr. Shivkumar ( 9986630301) - Hanumanthnagar office Ms. Bindu (9964534667 )-Yeshwantpur office Even if you don’t know anyone, please pass on this info, someone might be in need of this help desperately
High Cholesterol Home Remedies
High Cholesterol Home Remedies
High Cholesterol can be mitigated with herbs like turmeric, garlic, coriander, guggulu, alfalfa and fenugreek. Cholesterol is a kind of fat in our blood and it plays a critical role in the functioning of the bile, vitamin D, cell membranes, sex hormones and nerve sheaths. The liver manufactures about a gram each day and that is adequate for all our needs.
Cholesterol Types: The Good, the Bad and Triglycerides
Not all the cholesterol is bad for us. There are three kinds of blood cholesterol - The good cholesterol or the high-density cholesterol(HDL), the bad cholesterol or the low-density cholesterol(LDL) and triglycerides. HDL helps to keep the arteries from clogging up and protects against heart disease. LDL can block our arteries and increases our risks for heart disease. Triglycerides are another form of fat that can also increase our chances of heart disease.
High cholesterol, clinically termed as hyperlipidemia, is characterized by above-normal blood levels of low-density lipoprotein (LDL or bad cholesterol) and below-normal blood levels of high-density lipoprotein(HDL or good cholesterol).
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High Cholesterol Symptoms
Unfortunately, there are no obvious symptoms of high cholesterol, so it's important to have your doctor perform a blood analysis regularly. One sign of high cholesterol can be a buildup of cholesterol rings under the eyes. But, do watch out for signs of circulatory problems, dizziness, mental confusion or dullness and difficulty breathing after minor exertion. In some individuals, excess cholesterol maybe stored in the skin and tendons, creating bumps known as xanthomas.
High Cholesterol Lifestyle Choices
Get regular medical checkups and record your cholesterol and cardiovascular risk marker levels.
Smoking is a huge risk for heart disease. If you smoke or are exposed to second hand smoke, and have high cholesterol, do quit immediately.
Exercise lowers LDL levels, while raising those of HDL. Find an activity that interests you, and pursue it regularly.
High Cholesterol Diet
Oats, brown rice, beans and fruits are good sources of soluble fiber. Soluble fiber has a dramatic ability to reduce cholesterol levels.
Nuts, especially walnuts, have been shown to reduce cholesterol and triglyceride levels. Eat a handful daily.
Garlic and onions help lower LDL cholesterol while raising HDL, add them to your dishes frequently.
Olive oil has been found to increase HDL levels (the "good" cholesterol). Whenever possible, substitute this for your cooking oil.
Sugar and alcohol stimulate the liver to produce more cholesterol. Avoid alcoholic beverages and all sources of refined sugar, especially sodas, candy and baked goods.
Substitute coffee and black tea with green tea, it has much lesser caffeine levels. High caffeine intake has been linked to high cholesterol. Moreover, green tea is rich in antioxidants which may prevent cholesterol oxidation.
Walnuts contain alpha-linolenic acid which can help lower cholesterol.
High Cholesterol Herbal Remedies
· Garlic Treatment For Cholesterol
The Sankrit word, "Lahsunah", for garlic, means "that which devours diseases of the heart", it is indeed a good home remedy for heart ailments. Compounds in garlic causes blood clots to dissolve more quickly and improve blood fluidity. Studies show that garlic contains hydrogen sulfide, which interacts with the red blood cells and helps the vessels and capillaries to relax. This in turns lowers the blood pressure. It also contains peptides which prevents blood pressure from raising and lowers cholesterol levels. Garlic decoction or a few cloves of garlic in food is an excellent cardiac supplement. Read other Garlic Home Remedies.
· Turmeric Lowers Cholesterol
Curcumin, the active constituent of Turmeric has the ability to communicate with the liver cells and stimulate the LDL receptors. The increased presence of these receptors helps in clearing the LDL or bad cholesterol from the system. Curcumin, is a rich source of Vitamin B6 and prevents the oxidation of cholesterol thus protecting the heart from plaques that can lead to a heart attack or stroke. Read other Turmeric Home Remedies.
· Amla Cholesterol Remedy
In labaratory studies, amla has been proven to effective for high cholesterol and prevention of atherosclerosis. It strengthens the heart muscles and causes asignificant decrease in total cholesterol, LDL cholesterol, VLDL cholesterol and triglycerides. A 500 mg capsule of dried Amla powder can be added to your daily routine after consulting with your doctor. Read other Amla Home Remedies.
· Arjuna - The Heart Tonic
Arjuna is a celebrated Ayurvedic remedy for heart ailments. It has shown to inhibit the oxidation of low density lipoprotein and revive high density lipoprotein ratio. A decoction from the bark can be consumed twice daily to insure against angina, high cholesterol and hyper tension. Read other Arjuna Home Remedies.
· Coriander Seeds For Cholesterol
Prepare a coriander seed decoction or a coriander leaf juice and drink this every day. It keeps the blood cholesterol in check by decreasing LDL or bad cholesterol and raising the level of HDL or good cholesterol in the body. Read other Coriander Home Remedies.
· Fenugreek For Cholesterol
Fenugreek is rich in steroidal(furostanol) saponins - notably trigoneosides and diosgenin. These are responsible for its efficacy on blood fat and cholesterol levels. Two ounces of fenugreek seed can be added as part of the diet to develop a healthier heart. Read other Fenugreek Home Remedies.
· Lower Cholesterol With Guggulu
The Ayurvedic herb, Guggul is a good medication for obesity and high cholesterol. It works on the liver by increasing the metabolism or the breaking down of the bad cholesterol (LDL cholesterol) and triglycerides. It also prevents the arteries from hardening. Guggul can be consumed as capsules.
· Alfalfa Sprouts And Cholesterol
Researchers have found that both alfalfa plant and alfalfa sprout saponin preparations bind to and absorb significant quantities of cholesterol. Alfalfa is also a rich source of potassium. The seeds are generally consumed as sprouts.
High Cholesterol, Healing With Supplements
· Vitamin C
Vitamin C, a powerful antioxidant, is the first line of defence against the heart. It reduces the oxidation of LDL and prevent heart disease. More on Vitamin C
· Vitamin E
Vitamin E is yet another powerful anti-oxidant that will prevent the cholesterol from oxidizing. More on Vitamin E.
· Niacin
Niacin, a B-Vitamin has been found to lower LDL cholesterol and triglycerides while raising the HDL levels in the body. More on Niacin
· Selenium, Zinc and Copper
High Cholesterol can be mitigated with herbs like turmeric, garlic, coriander, guggulu, alfalfa and fenugreek. Cholesterol is a kind of fat in our blood and it plays a critical role in the functioning of the bile, vitamin D, cell membranes, sex hormones and nerve sheaths. The liver manufactures about a gram each day and that is adequate for all our needs.
Cholesterol Types: The Good, the Bad and Triglycerides
Not all the cholesterol is bad for us. There are three kinds of blood cholesterol - The good cholesterol or the high-density cholesterol(HDL), the bad cholesterol or the low-density cholesterol(LDL) and triglycerides. HDL helps to keep the arteries from clogging up and protects against heart disease. LDL can block our arteries and increases our risks for heart disease. Triglycerides are another form of fat that can also increase our chances of heart disease.
High cholesterol, clinically termed as hyperlipidemia, is characterized by above-normal blood levels of low-density lipoprotein (LDL or bad cholesterol) and below-normal blood levels of high-density lipoprotein(HDL or good cholesterol).
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High Cholesterol Symptoms
Unfortunately, there are no obvious symptoms of high cholesterol, so it's important to have your doctor perform a blood analysis regularly. One sign of high cholesterol can be a buildup of cholesterol rings under the eyes. But, do watch out for signs of circulatory problems, dizziness, mental confusion or dullness and difficulty breathing after minor exertion. In some individuals, excess cholesterol maybe stored in the skin and tendons, creating bumps known as xanthomas.
High Cholesterol Lifestyle Choices
Get regular medical checkups and record your cholesterol and cardiovascular risk marker levels.
Smoking is a huge risk for heart disease. If you smoke or are exposed to second hand smoke, and have high cholesterol, do quit immediately.
Exercise lowers LDL levels, while raising those of HDL. Find an activity that interests you, and pursue it regularly.
High Cholesterol Diet
Oats, brown rice, beans and fruits are good sources of soluble fiber. Soluble fiber has a dramatic ability to reduce cholesterol levels.
Nuts, especially walnuts, have been shown to reduce cholesterol and triglyceride levels. Eat a handful daily.
Garlic and onions help lower LDL cholesterol while raising HDL, add them to your dishes frequently.
Olive oil has been found to increase HDL levels (the "good" cholesterol). Whenever possible, substitute this for your cooking oil.
Sugar and alcohol stimulate the liver to produce more cholesterol. Avoid alcoholic beverages and all sources of refined sugar, especially sodas, candy and baked goods.
Substitute coffee and black tea with green tea, it has much lesser caffeine levels. High caffeine intake has been linked to high cholesterol. Moreover, green tea is rich in antioxidants which may prevent cholesterol oxidation.
Walnuts contain alpha-linolenic acid which can help lower cholesterol.
High Cholesterol Herbal Remedies
· Garlic Treatment For Cholesterol
The Sankrit word, "Lahsunah", for garlic, means "that which devours diseases of the heart", it is indeed a good home remedy for heart ailments. Compounds in garlic causes blood clots to dissolve more quickly and improve blood fluidity. Studies show that garlic contains hydrogen sulfide, which interacts with the red blood cells and helps the vessels and capillaries to relax. This in turns lowers the blood pressure. It also contains peptides which prevents blood pressure from raising and lowers cholesterol levels. Garlic decoction or a few cloves of garlic in food is an excellent cardiac supplement. Read other Garlic Home Remedies.
· Turmeric Lowers Cholesterol
Curcumin, the active constituent of Turmeric has the ability to communicate with the liver cells and stimulate the LDL receptors. The increased presence of these receptors helps in clearing the LDL or bad cholesterol from the system. Curcumin, is a rich source of Vitamin B6 and prevents the oxidation of cholesterol thus protecting the heart from plaques that can lead to a heart attack or stroke. Read other Turmeric Home Remedies.
· Amla Cholesterol Remedy
In labaratory studies, amla has been proven to effective for high cholesterol and prevention of atherosclerosis. It strengthens the heart muscles and causes asignificant decrease in total cholesterol, LDL cholesterol, VLDL cholesterol and triglycerides. A 500 mg capsule of dried Amla powder can be added to your daily routine after consulting with your doctor. Read other Amla Home Remedies.
· Arjuna - The Heart Tonic
Arjuna is a celebrated Ayurvedic remedy for heart ailments. It has shown to inhibit the oxidation of low density lipoprotein and revive high density lipoprotein ratio. A decoction from the bark can be consumed twice daily to insure against angina, high cholesterol and hyper tension. Read other Arjuna Home Remedies.
· Coriander Seeds For Cholesterol
Prepare a coriander seed decoction or a coriander leaf juice and drink this every day. It keeps the blood cholesterol in check by decreasing LDL or bad cholesterol and raising the level of HDL or good cholesterol in the body. Read other Coriander Home Remedies.
· Fenugreek For Cholesterol
Fenugreek is rich in steroidal(furostanol) saponins - notably trigoneosides and diosgenin. These are responsible for its efficacy on blood fat and cholesterol levels. Two ounces of fenugreek seed can be added as part of the diet to develop a healthier heart. Read other Fenugreek Home Remedies.
· Lower Cholesterol With Guggulu
The Ayurvedic herb, Guggul is a good medication for obesity and high cholesterol. It works on the liver by increasing the metabolism or the breaking down of the bad cholesterol (LDL cholesterol) and triglycerides. It also prevents the arteries from hardening. Guggul can be consumed as capsules.
· Alfalfa Sprouts And Cholesterol
Researchers have found that both alfalfa plant and alfalfa sprout saponin preparations bind to and absorb significant quantities of cholesterol. Alfalfa is also a rich source of potassium. The seeds are generally consumed as sprouts.
High Cholesterol, Healing With Supplements
· Vitamin C
Vitamin C, a powerful antioxidant, is the first line of defence against the heart. It reduces the oxidation of LDL and prevent heart disease. More on Vitamin C
· Vitamin E
Vitamin E is yet another powerful anti-oxidant that will prevent the cholesterol from oxidizing. More on Vitamin E.
· Niacin
Niacin, a B-Vitamin has been found to lower LDL cholesterol and triglycerides while raising the HDL levels in the body. More on Niacin
· Selenium, Zinc and Copper
Service Tax Provisions of Finance Bill 2010 Explained by Department
Service Tax Provisions of Finance Bill 2010 Explained by Department
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by Pankaj Singla on March 11, 2010
The Finance Minister has introduced the Finance Bill, 2010, in the Lok Sabha on 26th February 2010. Clause 75 and 76 of the said Bill covers the legislative changes relating to Chapter V of the Finance Act, 1994 (i.e. Service Tax). While some fresh exemptions from service tax have been granted, some existing exemptions have either been withdrawn or modified. All these changes have been notified under notification nos. 2/2010-ST to 17/2010-ST all dated 27th February 2010. While most of the legislative changes in the Finance Act, 1994 would come into force from a date to be notified after the enactment of the Finance Bill, 2010, the notifications (except notification nos. 7/2010-ST, 8/2010-ST and 9/2010-ST which would come into effect from 01.04.2010) would become effective from 27th February 2010.
We have attempted to bring all the important changes pertaining to service tax relevant at this stage to your notice through this letter and its Annexures. Upon enactment of the Finance Bill, 2010, when the legislative provisions come into effect, another communication would be sent to you explaining the changes in detail and addressing the doubts and queries raised by you and the trade in the intervening period. To avoid repetition, no separate Explanatory Notes are being issued for service tax.
The complete letter is as follows, you can download the same. For quick reference see the article about service tax newly added services in Finance Bill 2010.
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by Pankaj Singla on March 11, 2010
The Finance Minister has introduced the Finance Bill, 2010, in the Lok Sabha on 26th February 2010. Clause 75 and 76 of the said Bill covers the legislative changes relating to Chapter V of the Finance Act, 1994 (i.e. Service Tax). While some fresh exemptions from service tax have been granted, some existing exemptions have either been withdrawn or modified. All these changes have been notified under notification nos. 2/2010-ST to 17/2010-ST all dated 27th February 2010. While most of the legislative changes in the Finance Act, 1994 would come into force from a date to be notified after the enactment of the Finance Bill, 2010, the notifications (except notification nos. 7/2010-ST, 8/2010-ST and 9/2010-ST which would come into effect from 01.04.2010) would become effective from 27th February 2010.
We have attempted to bring all the important changes pertaining to service tax relevant at this stage to your notice through this letter and its Annexures. Upon enactment of the Finance Bill, 2010, when the legislative provisions come into effect, another communication would be sent to you explaining the changes in detail and addressing the doubts and queries raised by you and the trade in the intervening period. To avoid repetition, no separate Explanatory Notes are being issued for service tax.
The complete letter is as follows, you can download the same. For quick reference see the article about service tax newly added services in Finance Bill 2010.
Amendment in Form A – Refund of Cenvat Credit for Exporters
Amendment in Form A – Refund of Cenvat Credit for Exporters
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by Pankaj Singla on March 11, 2010
Notification No. 7/2010-Central Excise (N.T.)New Delhi, the 27th February, 2010G.S.R. (E).- In exercise of the powers conferred by rule 5 of the CENVAT Credit Rules, 2004 (hereinafter referred to as the ‘said rules’), the Central Government hereby makes the following further amendment in the notification of the Government of India in the Ministry of Finance (Department of Revenue), number 5/2006-Central Excise (N.T.), dated the 14th March, 2006, published vide number G.S.R.156(E), dated the 14th March, 2006, namely : -
In the said notification, in the Annexure, in Form ‘A’,-
(i) in the portion beginning with the brackets, letter and word “(a) on” and ending with the word “undertaking”, for the words “used in”, the words “used in or in relation to” shall be substituted;
(ii) in the portion beginning with the brackets, letter and word “(b) on” and ending with the words “service tax”, for the words “used in”, the words “used for” shall be substituted;
(iii) the portion beginning with the brackets and letter “(A)” and ending with the brackets, letter and words “(b) Output Services-”, and portion beginning with the brackets and letter (B) and ending with the brackets, letter and words “(b)Import Services” shall be omitted;
(iv) after the heading “(D) ENCLOSURES:-”, and the entries there under, the following shall be inserted, namely:-
Details of goods/services exported on which refund of CENVAT credit is claimed (Rs. In lakh)
S. No
.
Details of shipping bill/ Bill
of export/export documents etc.
Details of CENVAT credit on which refund claimed
“(DD) The Exporter shall give the details in the following Table: TABLE
(1)
(2)
(3)
No
.
D
at e
Date
of expo rt orde
r
Goods
/ servic e export ed
Quantity
and
value of goods exported/ value of services exported
Invoic
e No., date and Amou nt
Name
of servic e provid er/ suppli er of goods
Service
tax/ Central Excise Regn. No. of service provide r/ supplier of
goods
Details
of service/ goods provided with classifi- cation under Finance Act
1994/ Central Excise Tariff
Service
tax/ Central Excise duty payable
Date
and details of paymen t made to service provide
r
Documents attached to
evidence of the amount of service tax paid
Total export during
the period for which refund is claimed
Total domestic
clearances during the period for which refund is claimed
Total amount of
CENVAT claimed as refund
(4)
(5)
(6)
(7)
The Table shall be certified by a person authorised by the Board of Directors (in the case of a limited company) or the proprietor or any partner (in case of partnership firm) if the amount of refund claimed is less than Rs.5 lakh in a quarter. In case the refund claim is in excess of Rs.5 lakh, the Table shall also be certified by the Chartered Accountant who audits the annual accounts of the exporter for the purposes of Companies Act, 1956 (1 of 1956) or the Income Tax Act, 1961 (43 of 1961), as the case may be.
[F. No. 334/1/2010-TRU]Prashant KumarUnder Secretary to the Government of India
Note.- The principal rules were notified vide notification no. 05/2006-Central Excise (N.T.), dated the 14th March, 2006 and published in the Gazette of India, Extraordinary vide number G.S.R. 156(E), dated the 14th March, 2006 and were last amended vide notification No.13/2007-Central Excise (N.T.), dated the 1st March, 2007, published vide number G.S.R. 166(E), dated the 1st March, 2007.
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by Pankaj Singla on March 11, 2010
Notification No. 7/2010-Central Excise (N.T.)New Delhi, the 27th February, 2010G.S.R. (E).- In exercise of the powers conferred by rule 5 of the CENVAT Credit Rules, 2004 (hereinafter referred to as the ‘said rules’), the Central Government hereby makes the following further amendment in the notification of the Government of India in the Ministry of Finance (Department of Revenue), number 5/2006-Central Excise (N.T.), dated the 14th March, 2006, published vide number G.S.R.156(E), dated the 14th March, 2006, namely : -
In the said notification, in the Annexure, in Form ‘A’,-
(i) in the portion beginning with the brackets, letter and word “(a) on” and ending with the word “undertaking”, for the words “used in”, the words “used in or in relation to” shall be substituted;
(ii) in the portion beginning with the brackets, letter and word “(b) on” and ending with the words “service tax”, for the words “used in”, the words “used for” shall be substituted;
(iii) the portion beginning with the brackets and letter “(A)” and ending with the brackets, letter and words “(b) Output Services-”, and portion beginning with the brackets and letter (B) and ending with the brackets, letter and words “(b)Import Services” shall be omitted;
(iv) after the heading “(D) ENCLOSURES:-”, and the entries there under, the following shall be inserted, namely:-
Details of goods/services exported on which refund of CENVAT credit is claimed (Rs. In lakh)
S. No
.
Details of shipping bill/ Bill
of export/export documents etc.
Details of CENVAT credit on which refund claimed
“(DD) The Exporter shall give the details in the following Table: TABLE
(1)
(2)
(3)
No
.
D
at e
Date
of expo rt orde
r
Goods
/ servic e export ed
Quantity
and
value of goods exported/ value of services exported
Invoic
e No., date and Amou nt
Name
of servic e provid er/ suppli er of goods
Service
tax/ Central Excise Regn. No. of service provide r/ supplier of
goods
Details
of service/ goods provided with classifi- cation under Finance Act
1994/ Central Excise Tariff
Service
tax/ Central Excise duty payable
Date
and details of paymen t made to service provide
r
Documents attached to
evidence of the amount of service tax paid
Total export during
the period for which refund is claimed
Total domestic
clearances during the period for which refund is claimed
Total amount of
CENVAT claimed as refund
(4)
(5)
(6)
(7)
The Table shall be certified by a person authorised by the Board of Directors (in the case of a limited company) or the proprietor or any partner (in case of partnership firm) if the amount of refund claimed is less than Rs.5 lakh in a quarter. In case the refund claim is in excess of Rs.5 lakh, the Table shall also be certified by the Chartered Accountant who audits the annual accounts of the exporter for the purposes of Companies Act, 1956 (1 of 1956) or the Income Tax Act, 1961 (43 of 1961), as the case may be.
[F. No. 334/1/2010-TRU]Prashant KumarUnder Secretary to the Government of India
Note.- The principal rules were notified vide notification no. 05/2006-Central Excise (N.T.), dated the 14th March, 2006 and published in the Gazette of India, Extraordinary vide number G.S.R. 156(E), dated the 14th March, 2006 and were last amended vide notification No.13/2007-Central Excise (N.T.), dated the 1st March, 2007, published vide number G.S.R. 166(E), dated the 1st March, 2007.
Changed dates of TDS Quartely Returns | Forms 27Q
Changed dates of TDS Quartely Returns Forms 27Q
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by Pankaj Singla on January 22, 2009
Filing date changed from “14 days” from end of quarter to “15 days” from end of quarter to align with the Form 24/26Q E-TDS Filings.
NOTIFICATION NO 11/2009, Dated: January 21, 2009
In exercise of the powers conferred by Section 295 read with sub-section (3) of section 200 of the Income-tax Act, 1961 (43 of 1961), the Central Board of Direct Taxes hereby makes the following rules further to amend the Income-tax Rules, 1962, namely:-
1. (1) These rules may be called the Income-tax (Fourth Amendment) Rules, 2009.
(2) They shall come into force with effect from the 1st day of April, 2009.
2. In the Income-tax Rules, 1962, in rule 37A-
(a) for the words “shall send within fourteen days from the end of the quarter”, the words “shall send on or before the 15th July, the 15th October, the 15th January in respect of the first three quarters of the financial year and on or before the 15th June following the last quarter of the financial year” shall be substituted.
(b) the proviso shall omitted.
F.No.142/01/ 2008-TPL(V. Vizay Babu)Under Secy. (TPL-III)
Note:- The principal rules were published vide notification No. S.O. 969(E), dated the 26th March, 1962 and last amended by Income-tax (3rd Amendment) Rules, 2009 vide Notification No. S.O. 197(E) dated the 19th January, 2009.
Related posts:
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by Pankaj Singla on January 22, 2009
Filing date changed from “14 days” from end of quarter to “15 days” from end of quarter to align with the Form 24/26Q E-TDS Filings.
NOTIFICATION NO 11/2009, Dated: January 21, 2009
In exercise of the powers conferred by Section 295 read with sub-section (3) of section 200 of the Income-tax Act, 1961 (43 of 1961), the Central Board of Direct Taxes hereby makes the following rules further to amend the Income-tax Rules, 1962, namely:-
1. (1) These rules may be called the Income-tax (Fourth Amendment) Rules, 2009.
(2) They shall come into force with effect from the 1st day of April, 2009.
2. In the Income-tax Rules, 1962, in rule 37A-
(a) for the words “shall send within fourteen days from the end of the quarter”, the words “shall send on or before the 15th July, the 15th October, the 15th January in respect of the first three quarters of the financial year and on or before the 15th June following the last quarter of the financial year” shall be substituted.
(b) the proviso shall omitted.
F.No.142/01/ 2008-TPL(V. Vizay Babu)Under Secy. (TPL-III)
Note:- The principal rules were published vide notification No. S.O. 969(E), dated the 26th March, 1962 and last amended by Income-tax (3rd Amendment) Rules, 2009 vide Notification No. S.O. 197(E) dated the 19th January, 2009.
Related posts:
Changed Due Date for Deposit of Excise Duty
Changed Due Date for Deposit of Excise Duty
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by Pankaj Singla on March 11, 2010
Government of India Ministry of Finance (Department of Revenue)
New Delhi, the 27th February, 2010
Notification No.5/2010-Central Excise (N.T.)
G.S.R. (E).- In exercise of the powers conferred by section 37 of the Central Excise Act, 1944 (1 of 1944), the Central Government hereby makes the following rules further to amend the Central Excise Rules, 2002, namely:-
1. (1) These rules may be called the Central Excise (Amendment) Rules, 2010. (2) They shall come into force from the 1st day of April, 2010.
2. In the Central Excise Rules, 2002, -
(a) in rule 8, in sub-rule(1), for the second proviso, the following proviso and explanations shall be substituted, namely:-
“Provided further that where an assessee is eligible to avail of the exemption under a notification based on the value of clearances in a financial year , the duty on goods cleared during a quarter of the financial year shall be paid by the 6th day of the month following that quarter, if the duty is paid electronically through internet banking and in any other case , by the 5th day of the month following that quarter , except in case of goods removed during the last quarter, starting from the 1st day of January and ending on the 31st day of March, for which the duty shall be paid by the 31st day of March.
Explanation.1. - For the purposes of this proviso, it is hereby clarified that an assessee shall be eligible, if his aggregate value of clearances of all excisable goods for home consumption in the preceding financial year, computed in the manner specified in the said notification, did not exceed rupees four hundred lakhs.
Explanation.2. - The manner of payment as specified in this proviso shall be available to the assessee for the whole of the financial year.”;
(b) in rule 11, sub-rule (5) shall be omitted;
(c) in rule 12, in sub-rule (1),-
(i) in the second proviso, clause (a) shall be omitted;
(ii) after the second proviso, the following proviso and explanations shall be inserted, namely:-
“Provided also that where an assessee is eligible to avail of the exemption under a notification based on the value of clearances in a financial year, he shall file a quarterly return in the form specified ,by notification, by the Board, of production and removal of goods and other relevant particulars within ten days after the close of the quarter to which the return relates.
Explanation1. – For the purposes of this proviso, it is hereby clarified that an assessee shall be eligible, if his aggregate value of clearances of all excisable goods for home consumption in the preceding financial year computed in the manner specified in the said notification did not exceed rupees four hundred lakhs.
Explanation.2. – The filing of returns as specified in this proviso shall be available to the assessee for the whole of the financial year.”.
[F. No.334/1/2010]
Prashant Kumar
Under Secretary to the Government of India
Note: The principal notification No. 4/2002-Central Excise (N.T.), dated the 1st March, 2002 was published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section(i), vide G.S.R.
143 (E), dated the 1st March, 2002, and last amended by notification No. 4/2010-Central Excise
(N.T.), dated the 19th February ,2010, published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section(i) vide G.S.R.89 (E) dated the 19th February ,2010.
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by Pankaj Singla on March 11, 2010
Government of India Ministry of Finance (Department of Revenue)
New Delhi, the 27th February, 2010
Notification No.5/2010-Central Excise (N.T.)
G.S.R. (E).- In exercise of the powers conferred by section 37 of the Central Excise Act, 1944 (1 of 1944), the Central Government hereby makes the following rules further to amend the Central Excise Rules, 2002, namely:-
1. (1) These rules may be called the Central Excise (Amendment) Rules, 2010. (2) They shall come into force from the 1st day of April, 2010.
2. In the Central Excise Rules, 2002, -
(a) in rule 8, in sub-rule(1), for the second proviso, the following proviso and explanations shall be substituted, namely:-
“Provided further that where an assessee is eligible to avail of the exemption under a notification based on the value of clearances in a financial year , the duty on goods cleared during a quarter of the financial year shall be paid by the 6th day of the month following that quarter, if the duty is paid electronically through internet banking and in any other case , by the 5th day of the month following that quarter , except in case of goods removed during the last quarter, starting from the 1st day of January and ending on the 31st day of March, for which the duty shall be paid by the 31st day of March.
Explanation.1. - For the purposes of this proviso, it is hereby clarified that an assessee shall be eligible, if his aggregate value of clearances of all excisable goods for home consumption in the preceding financial year, computed in the manner specified in the said notification, did not exceed rupees four hundred lakhs.
Explanation.2. - The manner of payment as specified in this proviso shall be available to the assessee for the whole of the financial year.”;
(b) in rule 11, sub-rule (5) shall be omitted;
(c) in rule 12, in sub-rule (1),-
(i) in the second proviso, clause (a) shall be omitted;
(ii) after the second proviso, the following proviso and explanations shall be inserted, namely:-
“Provided also that where an assessee is eligible to avail of the exemption under a notification based on the value of clearances in a financial year, he shall file a quarterly return in the form specified ,by notification, by the Board, of production and removal of goods and other relevant particulars within ten days after the close of the quarter to which the return relates.
Explanation1. – For the purposes of this proviso, it is hereby clarified that an assessee shall be eligible, if his aggregate value of clearances of all excisable goods for home consumption in the preceding financial year computed in the manner specified in the said notification did not exceed rupees four hundred lakhs.
Explanation.2. – The filing of returns as specified in this proviso shall be available to the assessee for the whole of the financial year.”.
[F. No.334/1/2010]
Prashant Kumar
Under Secretary to the Government of India
Note: The principal notification No. 4/2002-Central Excise (N.T.), dated the 1st March, 2002 was published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section(i), vide G.S.R.
143 (E), dated the 1st March, 2002, and last amended by notification No. 4/2010-Central Excise
(N.T.), dated the 19th February ,2010, published in the Gazette of India, Extraordinary, Part II, Section 3, sub-section(i) vide G.S.R.89 (E) dated the 19th February ,2010.
Heart Care and Cholesterol Control
Heart Care and Cholesterol Control
AN INDULGENT LIFESTYLE AND AN INADEQUATE DIET ARE TWO MAJOR CAUSES OF HEART DISEASE. TO STAY FIT HERE ARE A FEW MEASURES OF CARE AND CONTROL
Heart Diseases and Hypertension which lead to heart or other organ failures has been on the rise for the past 2 decades. People above the age of 40 have been suffering from such problems due to their unbalanced dietary habits. Its always advisable to control these factors if you want to reduce your risk.
Preventing Coronary DiseasesWhen there are excess deposits of fat, cholesterol or other substances in the inner wall of arteries, the arteries narrow and harden into a condition known as astherosclerosis, the most common cause of heart trouble. A planned diet and regular exercise are the key to prevent atheroclerosis.
Friendly and Unfriendly FATSFAT should not exceed 30 per cent of your total calorie intake, which includes a maximum of 10 per cent saturated fat and 10 per cent mono-unsaturated fats. Saturated fatty acids in full-cream milk and red meat increase your cholesterol level. Use non-fat or low-fat milk and milk products instead of full-cream milk and avoid sources of saturated fatty acids like lard, butter, cream, palm oil, coconut oil, ghee and vanaspati
Mono-unsaturated fats that lower cholesterol as well as prevent formation of blood clots are present in olive, canola, peanut and mustard oils. It’s best to use these while cooking.
Omega-3, a fatty acid that prevents atherosclerosis is present in foods like herring, mackerel, salmon, tuna, soyabean, walnuts and butternuts. Take these regularly in small quantities to prevent atherosclerosis.
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Cutting CholesterolDietary cholesterol should be limited to 300 mg per day. Since it largely comes from animal products, consumption of non-vegetarian foods, whole milk and milk products hould be restricted. For example, an egg has 250 gm of cholesterol and it is not advisable to take more than two to three eggs a week.
Take healthy alternatives like chicken, fish, beans, vegetable, fruits, bread, pulses, wholewheat flour, cereals, rice, millet, skimmed milk and skimmed milk products and vegetable oils like corn, sesame, soyabean, sunflower, canola, olive and mustard.
Heart disease is less frequent among those who eat high carbohydrate and fibre-rich foods. Carbohydrate and fibre-rich foods. Carbohydrates should provide at least 55 per cent of your daily calories. Foods like bread, chapattis, cereals, rice and dals provide an adequate amount of carbohydrates.
How to control Chest Pain:
Boil 4-5 pods of garlic in a glass of milk and consume the garlic pods with milk daily to avoid chest pain.
Pound the dates with the seeds and eat them every day.
Increase the intake of ginger and lime in your diet.
Pound urad dhal to powder and eat it regularly.
Drink a glass of milk mixed with kadukai powder every night before going to bed.
Take a spoon of tulsi juice with honey in empty stomach every day.
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AN INDULGENT LIFESTYLE AND AN INADEQUATE DIET ARE TWO MAJOR CAUSES OF HEART DISEASE. TO STAY FIT HERE ARE A FEW MEASURES OF CARE AND CONTROL
Heart Diseases and Hypertension which lead to heart or other organ failures has been on the rise for the past 2 decades. People above the age of 40 have been suffering from such problems due to their unbalanced dietary habits. Its always advisable to control these factors if you want to reduce your risk.
Preventing Coronary DiseasesWhen there are excess deposits of fat, cholesterol or other substances in the inner wall of arteries, the arteries narrow and harden into a condition known as astherosclerosis, the most common cause of heart trouble. A planned diet and regular exercise are the key to prevent atheroclerosis.
Friendly and Unfriendly FATSFAT should not exceed 30 per cent of your total calorie intake, which includes a maximum of 10 per cent saturated fat and 10 per cent mono-unsaturated fats. Saturated fatty acids in full-cream milk and red meat increase your cholesterol level. Use non-fat or low-fat milk and milk products instead of full-cream milk and avoid sources of saturated fatty acids like lard, butter, cream, palm oil, coconut oil, ghee and vanaspati
Mono-unsaturated fats that lower cholesterol as well as prevent formation of blood clots are present in olive, canola, peanut and mustard oils. It’s best to use these while cooking.
Omega-3, a fatty acid that prevents atherosclerosis is present in foods like herring, mackerel, salmon, tuna, soyabean, walnuts and butternuts. Take these regularly in small quantities to prevent atherosclerosis.
google_protectAndRun("ads_core.google_render_ad", google_handleError, google_render_ad);
Cutting CholesterolDietary cholesterol should be limited to 300 mg per day. Since it largely comes from animal products, consumption of non-vegetarian foods, whole milk and milk products hould be restricted. For example, an egg has 250 gm of cholesterol and it is not advisable to take more than two to three eggs a week.
Take healthy alternatives like chicken, fish, beans, vegetable, fruits, bread, pulses, wholewheat flour, cereals, rice, millet, skimmed milk and skimmed milk products and vegetable oils like corn, sesame, soyabean, sunflower, canola, olive and mustard.
Heart disease is less frequent among those who eat high carbohydrate and fibre-rich foods. Carbohydrate and fibre-rich foods. Carbohydrates should provide at least 55 per cent of your daily calories. Foods like bread, chapattis, cereals, rice and dals provide an adequate amount of carbohydrates.
How to control Chest Pain:
Boil 4-5 pods of garlic in a glass of milk and consume the garlic pods with milk daily to avoid chest pain.
Pound the dates with the seeds and eat them every day.
Increase the intake of ginger and lime in your diet.
Pound urad dhal to powder and eat it regularly.
Drink a glass of milk mixed with kadukai powder every night before going to bed.
Take a spoon of tulsi juice with honey in empty stomach every day.
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Summer Care - Beat the heat with Fruit Juices
Summer Care - Beat the heat with Fruit Juices
Try out juices of grapes, watermelon, banana, jack fruit, lemon and pineapple during summer. Consumption of fruits and juices reduces body heat and benefits in controlling body temperature.
SUMMER is one of the six seasons of the year. Every two months will make a season or Ritu. Summer is in between the 16th May to 15th July. The strength of the body will be lost during this period. People feel tired and exhausted during the season due to extensive heat rays of the sun, the watery portion (or Kapha) of the body of people, animals, plants, foods and the entire environment will become dry and the vata will become more in the body and the atmosphere. The skin will become dry and may precipitate skin diseases as eczema..
What to Drink and Eat: One must drink the juices of grapes, watermelon, banana, jack fruit, lemon and pineapple. This is to say foods and juices of sweet and cold and easily digestible must be consumed. The preparations of sugar, barely/green gram, sharbats, buttermilk with sugar candy are to be used daily to cool the body. One must take the food of white rice with meat soup of meat of animals reared in cold areas.
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The juices of dry grapes, cucumber, kharjura with Dalchini, Cardamom must be drunk along with pure cold water kept in a pot or a freezer or these must be kept at night in moon light and used along with buffalo's milk. Water with parijatha flowers and usheera can also be used for drinking.
- One must not take foods of pungent, sour, dry and salty foods. Foods of rice with milk, sugar candy, butter milk, lassie are good for good health. Ghee can be used.
- Coffee and tea are not all good as they stimulate the central nervous system. Taking them on empty stomach is harmful as they mix with acid and circulated all over the body producing several diseases.
- Alcohol is a hot drink and must not be used druing this season, either avoid it or drink it with plenty of water.
REGIMEN
One must spend time in a place surrounded by water and green trees, or mountains, with the family and children. Must sleep during day. Swimming is also advisable in a pond, lake or river. Stay exposed to moon's rays at night. Should wear light cotton clothes. Must have minimum coitus during this period.
Wear Pearls and flower garlands. Body must be anointed with sandal and usheera paste which cools the body. Cold-water bath is good for the body. Exercise must be limited. Avoid exposure to sun's rays especially during peak hot time.
Man is a microcosm of the universe that is macrocosm. Man is made up of Panchamahabutas in mini form and the universe is made up of Panchamahabutas in mega form.
Any changes in the environment of nature will have deleterious effects on the health of people. So one must adjust and adopt measures suitable for the particular season for maintaining good health.
In this season satvic type of foods is advocated to promote and to preserve good health.
Try out juices of grapes, watermelon, banana, jack fruit, lemon and pineapple during summer. Consumption of fruits and juices reduces body heat and benefits in controlling body temperature.
SUMMER is one of the six seasons of the year. Every two months will make a season or Ritu. Summer is in between the 16th May to 15th July. The strength of the body will be lost during this period. People feel tired and exhausted during the season due to extensive heat rays of the sun, the watery portion (or Kapha) of the body of people, animals, plants, foods and the entire environment will become dry and the vata will become more in the body and the atmosphere. The skin will become dry and may precipitate skin diseases as eczema..
What to Drink and Eat: One must drink the juices of grapes, watermelon, banana, jack fruit, lemon and pineapple. This is to say foods and juices of sweet and cold and easily digestible must be consumed. The preparations of sugar, barely/green gram, sharbats, buttermilk with sugar candy are to be used daily to cool the body. One must take the food of white rice with meat soup of meat of animals reared in cold areas.
google_protectAndRun("render_ads.js::google_render_ad", google_handleError, google_render_ad);
The juices of dry grapes, cucumber, kharjura with Dalchini, Cardamom must be drunk along with pure cold water kept in a pot or a freezer or these must be kept at night in moon light and used along with buffalo's milk. Water with parijatha flowers and usheera can also be used for drinking.
- One must not take foods of pungent, sour, dry and salty foods. Foods of rice with milk, sugar candy, butter milk, lassie are good for good health. Ghee can be used.
- Coffee and tea are not all good as they stimulate the central nervous system. Taking them on empty stomach is harmful as they mix with acid and circulated all over the body producing several diseases.
- Alcohol is a hot drink and must not be used druing this season, either avoid it or drink it with plenty of water.
REGIMEN
One must spend time in a place surrounded by water and green trees, or mountains, with the family and children. Must sleep during day. Swimming is also advisable in a pond, lake or river. Stay exposed to moon's rays at night. Should wear light cotton clothes. Must have minimum coitus during this period.
Wear Pearls and flower garlands. Body must be anointed with sandal and usheera paste which cools the body. Cold-water bath is good for the body. Exercise must be limited. Avoid exposure to sun's rays especially during peak hot time.
Man is a microcosm of the universe that is macrocosm. Man is made up of Panchamahabutas in mini form and the universe is made up of Panchamahabutas in mega form.
Any changes in the environment of nature will have deleterious effects on the health of people. So one must adjust and adopt measures suitable for the particular season for maintaining good health.
In this season satvic type of foods is advocated to promote and to preserve good health.
Child Psychology47 Articles & Excerpts
Child Psychology47 Articles & Excerpts
Teen Marijuana Use Linked To Psychosesby eNotAlone.comTeenagers who are longtime marijuana smokers are at an increased risk of developing psychoses, such as schizophrenia, hallucinations and delusions, compared to short-term smokers or those who have never smoked pot, a new research suggests.
Computer Game Tetris Improves Thinkingby eNotAlone.comPlaying the computer game Tetris may boost gray matter in your brain, according to a new report which also suggests that regular idle act of fitting blocks together on a computer screen can improve thinking and increase 'mental efficiency'.
Pro-Social Video Games Make Children Kinderby eNotAlone.comPrevious studies have suggested that there is a relationship between playing violent video games and aggressive behavior in children. But now, for the first time, the three new studies have concluded that some video games influence good behavior
Nap Reduces Hyperactivity And Depression In Kidsby eNotAlone.comA new study by the scientists at Pennsylvania State University, finds that children who take a nap when they are 4 and 5 years old, are less likely to be hyperactive or experience depression and anxiety.
Anxious Parents Pass On The Disorder To Their Kidsby eNotAlone.comIt has been a known fact for many years that anxious parents can pass anxiety disorders on to their children. But now, a new study by the scientists at Johns Hopkins Children's Center, came up with the conclusion that a family-based program where parents
Children Who Snore Are More Moodyby eNotAlone.comSnoring in young kids is associated with a higher risk of mood disorders and depression, as well as problems with language and attention, claims a new study. The researchers at Helsinki University Central Hospital, in Finland, studied 43 pre-school aged
Impulsiveness In Kids Linked To Later Gambling Addictionby eNotAlone.comKids who were inattentive, impulsive and hyperactive in kindergarten, are more likely to develop symptoms of risky gambling behavior by the time they reach middle school, reports a new Canadian study in the latest issue of Archives of Pediatrics
Children And Video Gamesby eNotAlone.comSince video games were first introduced in the 1972, they have become one of the most popular activities for people of all ages. Video games are played on several types of platforms: home consoles used with TV sets, computers, computers with access
Children Are Victims Of Divorcing Parentsby eNotAlone.comDivorce of parents is a crisis for the entire family. It becomes especially difficult when children are involved. Children deeply suffer when parents they love fall into conflict and break their relationship.
Part 1 The Good Girl Revolution: Young Rebels with Self-Esteem and High Standardsby Wendy ShalitAcross the country, there's a youth-led rebellion challenging the status quo. In Seattle and Pittsburgh, teenage girls protest against companies that sell sleazy clothing. Online, a nineteen-year-old describes her struggles with her mother, who she feels
Part 1 Banished Knowledge; Facing Childhood Injuriesby Alice MillerIn direct opposition to the Freudian drive theory, the author of the best-selling The Drama Of The Gifted Child believes that children, at birth, are inherently good, and she traces all forms of criminal deeds to past mistreatments.
Part 1 Positive Parenting for Bipolar Kids: How to Identify, Treat, Manage, and Rise to the Challengeby Mary Ann McDonnell, A.P.R.N., B.C., Janet Wozniak, M.D.The Definitive Resource on How to Identify, Treat, and Thrive with a Bipolar Child. More than three million American children suffer from some form of bipolar disorder, a life-impairing illness that can cause wild mood swings and even episodes of rage.
Part 1 The Normal One: Life with a Difficult or Damaged Siblingby Jeanne Safer, Ph.D.Few bonds in our lives are as psychologically and emotionally significant as the ones we share with our sisters and brothers, although little has been written about this formative relationship. In this first-of-its-kind book, psychotherapist Jeanne Safer
Part 1 Before It's Too Late: Why Some Kids Get Into Trouble and What Parents Can Do About Itby Stanton E. Samenow, Ph.D.If you sense that your child is seriously troubled, you may feel bewildered, helpless, ineffective. How can you stop your child from throwing away his or her life? How can you avoid thinking that you've failed as a parent? In this newly revised and expand
Part 1 Dibs in Search of Selfby Virginia M. AxlineThe classic of child therapy. Dibs will not talk. He will not play. He has locked himself in a very special prison. And he is alone. This is the true story of how he learned to reach out for the sunshine, for life ... how he came to the breathless
Part 1 The Trouble with Boys: A Surprising Report Card on Our Sons, Their Problems at School, and What Parents and Educators Must Doby Peg TyreFrom the moment they step into the classroom, boys begin to struggle. They get expelled from preschool nearly five times more often than girls; in elementary school, they're diagnosed with learning disorders four times as often.
Part 1 Freeing Your Child from Obsessive-Compulsive Disorder: A Powerful, Practical Program for Parents of Children and Adolescentsby Tamar Chansky, Ph.D.If you're a parent of one of the more than one million children in this country with obsessive-compulsive disorder, you know how confusing, even frightening, the symptoms of OCD can be. You're terrified of losing your child and angry about the havoc
Part 1 Look Me in the Eye; My Life with Asperger'sby John Elder RobisonEver since he was young, John Robison longed to connect with other people, but by the time he was a teenager, his odd habits - an inclination to blurt out non sequiturs, avoid eye contact, dismantle radios, and dig five-foot holes
Introduction, Part 1 Superparenting for ADD: An Innovative Approach to Raising Your Distracted Childby Edward M. Hallowell, M.D., Peter S. Jensen, M.D.Childhood is about unwrapping the gifts you're born with. Every child is horn with certain gifts, some easy to unwrap, some difficult. Children who have the fascinating trait called ADD (or ADHD, the term that the official diagnostic system used across
The Story of the Mindby James Mark BaldwinOne of the most interesting chapters of modern psychology is that which deals with the child. This is also one of the topics of general concern, since our common humanity reacts with greater geniality upon the little ones
Teen Marijuana Use Linked To Psychosesby eNotAlone.comTeenagers who are longtime marijuana smokers are at an increased risk of developing psychoses, such as schizophrenia, hallucinations and delusions, compared to short-term smokers or those who have never smoked pot, a new research suggests.
Computer Game Tetris Improves Thinkingby eNotAlone.comPlaying the computer game Tetris may boost gray matter in your brain, according to a new report which also suggests that regular idle act of fitting blocks together on a computer screen can improve thinking and increase 'mental efficiency'.
Pro-Social Video Games Make Children Kinderby eNotAlone.comPrevious studies have suggested that there is a relationship between playing violent video games and aggressive behavior in children. But now, for the first time, the three new studies have concluded that some video games influence good behavior
Nap Reduces Hyperactivity And Depression In Kidsby eNotAlone.comA new study by the scientists at Pennsylvania State University, finds that children who take a nap when they are 4 and 5 years old, are less likely to be hyperactive or experience depression and anxiety.
Anxious Parents Pass On The Disorder To Their Kidsby eNotAlone.comIt has been a known fact for many years that anxious parents can pass anxiety disorders on to their children. But now, a new study by the scientists at Johns Hopkins Children's Center, came up with the conclusion that a family-based program where parents
Children Who Snore Are More Moodyby eNotAlone.comSnoring in young kids is associated with a higher risk of mood disorders and depression, as well as problems with language and attention, claims a new study. The researchers at Helsinki University Central Hospital, in Finland, studied 43 pre-school aged
Impulsiveness In Kids Linked To Later Gambling Addictionby eNotAlone.comKids who were inattentive, impulsive and hyperactive in kindergarten, are more likely to develop symptoms of risky gambling behavior by the time they reach middle school, reports a new Canadian study in the latest issue of Archives of Pediatrics
Children And Video Gamesby eNotAlone.comSince video games were first introduced in the 1972, they have become one of the most popular activities for people of all ages. Video games are played on several types of platforms: home consoles used with TV sets, computers, computers with access
Children Are Victims Of Divorcing Parentsby eNotAlone.comDivorce of parents is a crisis for the entire family. It becomes especially difficult when children are involved. Children deeply suffer when parents they love fall into conflict and break their relationship.
Part 1 The Good Girl Revolution: Young Rebels with Self-Esteem and High Standardsby Wendy ShalitAcross the country, there's a youth-led rebellion challenging the status quo. In Seattle and Pittsburgh, teenage girls protest against companies that sell sleazy clothing. Online, a nineteen-year-old describes her struggles with her mother, who she feels
Part 1 Banished Knowledge; Facing Childhood Injuriesby Alice MillerIn direct opposition to the Freudian drive theory, the author of the best-selling The Drama Of The Gifted Child believes that children, at birth, are inherently good, and she traces all forms of criminal deeds to past mistreatments.
Part 1 Positive Parenting for Bipolar Kids: How to Identify, Treat, Manage, and Rise to the Challengeby Mary Ann McDonnell, A.P.R.N., B.C., Janet Wozniak, M.D.The Definitive Resource on How to Identify, Treat, and Thrive with a Bipolar Child. More than three million American children suffer from some form of bipolar disorder, a life-impairing illness that can cause wild mood swings and even episodes of rage.
Part 1 The Normal One: Life with a Difficult or Damaged Siblingby Jeanne Safer, Ph.D.Few bonds in our lives are as psychologically and emotionally significant as the ones we share with our sisters and brothers, although little has been written about this formative relationship. In this first-of-its-kind book, psychotherapist Jeanne Safer
Part 1 Before It's Too Late: Why Some Kids Get Into Trouble and What Parents Can Do About Itby Stanton E. Samenow, Ph.D.If you sense that your child is seriously troubled, you may feel bewildered, helpless, ineffective. How can you stop your child from throwing away his or her life? How can you avoid thinking that you've failed as a parent? In this newly revised and expand
Part 1 Dibs in Search of Selfby Virginia M. AxlineThe classic of child therapy. Dibs will not talk. He will not play. He has locked himself in a very special prison. And he is alone. This is the true story of how he learned to reach out for the sunshine, for life ... how he came to the breathless
Part 1 The Trouble with Boys: A Surprising Report Card on Our Sons, Their Problems at School, and What Parents and Educators Must Doby Peg TyreFrom the moment they step into the classroom, boys begin to struggle. They get expelled from preschool nearly five times more often than girls; in elementary school, they're diagnosed with learning disorders four times as often.
Part 1 Freeing Your Child from Obsessive-Compulsive Disorder: A Powerful, Practical Program for Parents of Children and Adolescentsby Tamar Chansky, Ph.D.If you're a parent of one of the more than one million children in this country with obsessive-compulsive disorder, you know how confusing, even frightening, the symptoms of OCD can be. You're terrified of losing your child and angry about the havoc
Part 1 Look Me in the Eye; My Life with Asperger'sby John Elder RobisonEver since he was young, John Robison longed to connect with other people, but by the time he was a teenager, his odd habits - an inclination to blurt out non sequiturs, avoid eye contact, dismantle radios, and dig five-foot holes
Introduction, Part 1 Superparenting for ADD: An Innovative Approach to Raising Your Distracted Childby Edward M. Hallowell, M.D., Peter S. Jensen, M.D.Childhood is about unwrapping the gifts you're born with. Every child is horn with certain gifts, some easy to unwrap, some difficult. Children who have the fascinating trait called ADD (or ADHD, the term that the official diagnostic system used across
The Story of the Mindby James Mark BaldwinOne of the most interesting chapters of modern psychology is that which deals with the child. This is also one of the topics of general concern, since our common humanity reacts with greater geniality upon the little ones
Child Development
Child Development
Information on child development including prenatal, physical, intellectual, language and social development.
-->
Ever feel frustrated by your high-energy baby? What can you do about a child who screams himself silly when he doesn't get his own way? A youngster who gets overexcited when a playmate come over? The experts tell us that there's probably not a lot you can go about changing the way a child tends to reach if that tendency is inborn but there are ways you can help him manage his impulses better - and spare yourself lots of grief along the way.
Realize that your child's immature behavioral style is not your "fault" because temperament is biological not something he learned from you. Still it is within your power to help your child cope with his temperament - and eventually to understand himself better instead of feeling sorry for yourself for having a noisy, distractible or shy child. Learn to accept this as his nature and then develop a strategy to help him adapt in a socially acceptable way. Replace a victimized mind-set with an adult resolve to help your child ameliorate his difficulties. Above all, remember that all temperamental qualities can be shaped to work to a child's advantage if they are sensibly managed. [Article Continued] --> -->
Helping Your Child with Socialization
For one reason or another, some children do not develop social skills as easily as others. They may earnestly seek peer relationships and then, having endured rebuffs, if not downright cruelty, retreat to the safety of home, family, and their own company.
There is probably nothing so painful for a parent as the rejection of his child. Parents need to take he long view of social problems and to map out a plan to solve them quite as carefully and thoughtfully as they would consider academic or health problems. There are guidelines which. if followed, will help these children if the parent is willing to take time and initiative.
"Play Is The Work of the Child" Maria Montessori Play activities are essential to healthy development for children and adolescents. Research shows that 75% of brain development occurs after birth. The most important role that play can have is to help children to be active, make choices and practice actions to mastery. They should have experience with a wide variety of content (art, music, language, science, math, social relations) because each is important for the development of a complex and integrated brain.
Adolescent Stages of Development Provides information on basic developmental tasks for adolescents. This article also contains links to dozens of pages on how to parent teenagers.
Approximate Timetable of Prenatal Development Provides information on fetal development through each trimester. Also, contains links to dozens of links on maternal health and prenatal care.
Birth Order Where a child places in the birth order can have an effect on how he sees himself. Research on birth order, sometimes referred to as ordinal position, shows that a child's place in the family (first, middle, last, etc) can have an effect on personality and achievement later in life.
Coping With Your Child's Personality Information on temperament and how it effects personality development in children from Child Development Institute. Discusses how to understand your child's temperament and how to handle the difficult to raise child.
Information on child development including prenatal, physical, intellectual, language and social development.
-->
Ever feel frustrated by your high-energy baby? What can you do about a child who screams himself silly when he doesn't get his own way? A youngster who gets overexcited when a playmate come over? The experts tell us that there's probably not a lot you can go about changing the way a child tends to reach if that tendency is inborn but there are ways you can help him manage his impulses better - and spare yourself lots of grief along the way.
Realize that your child's immature behavioral style is not your "fault" because temperament is biological not something he learned from you. Still it is within your power to help your child cope with his temperament - and eventually to understand himself better instead of feeling sorry for yourself for having a noisy, distractible or shy child. Learn to accept this as his nature and then develop a strategy to help him adapt in a socially acceptable way. Replace a victimized mind-set with an adult resolve to help your child ameliorate his difficulties. Above all, remember that all temperamental qualities can be shaped to work to a child's advantage if they are sensibly managed. [Article Continued] --> -->
Helping Your Child with Socialization
For one reason or another, some children do not develop social skills as easily as others. They may earnestly seek peer relationships and then, having endured rebuffs, if not downright cruelty, retreat to the safety of home, family, and their own company.
There is probably nothing so painful for a parent as the rejection of his child. Parents need to take he long view of social problems and to map out a plan to solve them quite as carefully and thoughtfully as they would consider academic or health problems. There are guidelines which. if followed, will help these children if the parent is willing to take time and initiative.
"Play Is The Work of the Child" Maria Montessori Play activities are essential to healthy development for children and adolescents. Research shows that 75% of brain development occurs after birth. The most important role that play can have is to help children to be active, make choices and practice actions to mastery. They should have experience with a wide variety of content (art, music, language, science, math, social relations) because each is important for the development of a complex and integrated brain.
Adolescent Stages of Development Provides information on basic developmental tasks for adolescents. This article also contains links to dozens of pages on how to parent teenagers.
Approximate Timetable of Prenatal Development Provides information on fetal development through each trimester. Also, contains links to dozens of links on maternal health and prenatal care.
Birth Order Where a child places in the birth order can have an effect on how he sees himself. Research on birth order, sometimes referred to as ordinal position, shows that a child's place in the family (first, middle, last, etc) can have an effect on personality and achievement later in life.
Coping With Your Child's Personality Information on temperament and how it effects personality development in children from Child Development Institute. Discusses how to understand your child's temperament and how to handle the difficult to raise child.
Wednesday, March 10, 2010
Revised TDS Rates 11.3.2010
Nature of Payment Section
IT SC# EC Total IT SC EC Total IT SC# EC Total IT SC EC Total
1 Salary 192 SC not applicable.
Only levy EC
2 Interest other than interest on securities 194A 10 1.00 0.33 11.33 10 - - 10.00 20 2.00 0.66 22.66** 10 - - 10.00
Payment in excess
of Rs.5,000 p.a
(Note 5)
3a Payments to Contractors (other than 3b to 3e) 194C 2 0.20 0.07 2.27 1* - - 1.00 2 0.20 0.07 2.27 2 - - 2.00
3b Payments to transporters, where PAN is not available 194C 2 0.20 0.07 2.27 20
(Note 1) - - 20.00 2 0.20 0.07 2.27 20
(Note 1) - - 20.00
3c Payments to transporters, where PAN is available 194C 2 0.20 0.07 2.27 0* - - 0.00 2 0.20 0.07 2.27 0* - - 0.00
3d Payments to Advertising Contractors 194C 1 0.10 0.03 1.13 1* - - 1.00 1 0.10 0.03 1.13 2* - - 2.00
3e Payments to Sub-contractors 194C 1 0.10 0.03 1.13 1* - - 1.00 1 0.10 0.03 1.13 2* - - 2.00
4 Commission or Brokerage 194H 10 1.00 0.33 11.33 10 - - 10.00 10 1.00 0.33 11.33 10 - - 10.00
Payment in excess
of Rs.2,500 p.a
5a Rent of Land / Building / Furniture 194I 15 1.50 0.495 16.995 10* - - 10.00 20 2.00 0.66 22.66 10* - - 10.00
Payment in excess
of Rs.1,20,000 p.a
5b Rent of Plant, Machinery or Equipment 194I 10 1.00 0.33 11.33 2* - - 2.00 10 1.00 0.33 11.33 2* - - 2.00
Payment in excess
of Rs.1,20,000 p.a
6 Fees for Professional & Technical Services / Royalty 194J 10 1.00 0.33 11.33 10 - - 10.00 10 1.00 0.33 11.33 10 - - 10.00
Payment in excess
of Rs.20,000 p.a
NOTES :
1
3
4
5
*
**
#
In case of Firm, the rate will be 11.33 percent including SC and EC.
Rates effective from 1 October 2009.
Banking company and co-operative society engaged in the banking business making payments of the aggregate amount of less than INR 10,000 in a financial year are not liable to deduct tax
NEW TDS RATES APPLICABLE (AS PROPOSED IN THE FINANCE BILL, 2009)
Pre enanctment of Finance
Bill, 2009
Post enactment of Finance
Bill, 2009
Particulars If recipient is an Individual or HUF If the recipient is a Domestic Company or Firm Criteria for
Deduction
Pre enanctment of Finance
Bill, 2009
Post enactment of Finance
Bill, 2009
Surcharge would be levied in case of Individual and HUF if total income exceeds INR 1 million and in case of domestic companies and firms it will be levied if total income exceeds INR 10 million.
2
S.
No.
Payment in excess
of Rs.20,000/- per
contract or
Rs.50,000 p.a
As per slab rates prescribed for women, senior citizens and other Individuals.
No TDS on contract for manufacturing / supply of product according to requirement of customer by using material purchased from a person other than such customer
Above rates are not applicable in case of payments made to foreign companies and non-residents. In case of payments to foreign companies, SC a should be levied at 2.5 percent (where total income of the foreign
company exceeds INR 10 million) and EC should be levied at 3 percent. However, in case of payments to other non-residents, only EC of 3 percent should be levied.
For Advance Tax computation: Advance tax is not required in case amount of tax payable for the entire year is less than INR 10,000/-. Further. EC should be applied in respect of advance tax payments by all taxpayers.
However, SC should be levied only in case of advance tax payments by domestic and foreign companies.
Higher TDS rate of 20% for not furnishing correct PAN: Requirement to furnish PAN is compulsory to deductor otherwise TDS shall be deducted @20%. W.E.F. 01.04.2010
IT SC# EC Total IT SC EC Total IT SC# EC Total IT SC EC Total
1 Salary 192 SC not applicable.
Only levy EC
2 Interest other than interest on securities 194A 10 1.00 0.33 11.33 10 - - 10.00 20 2.00 0.66 22.66** 10 - - 10.00
Payment in excess
of Rs.5,000 p.a
(Note 5)
3a Payments to Contractors (other than 3b to 3e) 194C 2 0.20 0.07 2.27 1* - - 1.00 2 0.20 0.07 2.27 2 - - 2.00
3b Payments to transporters, where PAN is not available 194C 2 0.20 0.07 2.27 20
(Note 1) - - 20.00 2 0.20 0.07 2.27 20
(Note 1) - - 20.00
3c Payments to transporters, where PAN is available 194C 2 0.20 0.07 2.27 0* - - 0.00 2 0.20 0.07 2.27 0* - - 0.00
3d Payments to Advertising Contractors 194C 1 0.10 0.03 1.13 1* - - 1.00 1 0.10 0.03 1.13 2* - - 2.00
3e Payments to Sub-contractors 194C 1 0.10 0.03 1.13 1* - - 1.00 1 0.10 0.03 1.13 2* - - 2.00
4 Commission or Brokerage 194H 10 1.00 0.33 11.33 10 - - 10.00 10 1.00 0.33 11.33 10 - - 10.00
Payment in excess
of Rs.2,500 p.a
5a Rent of Land / Building / Furniture 194I 15 1.50 0.495 16.995 10* - - 10.00 20 2.00 0.66 22.66 10* - - 10.00
Payment in excess
of Rs.1,20,000 p.a
5b Rent of Plant, Machinery or Equipment 194I 10 1.00 0.33 11.33 2* - - 2.00 10 1.00 0.33 11.33 2* - - 2.00
Payment in excess
of Rs.1,20,000 p.a
6 Fees for Professional & Technical Services / Royalty 194J 10 1.00 0.33 11.33 10 - - 10.00 10 1.00 0.33 11.33 10 - - 10.00
Payment in excess
of Rs.20,000 p.a
NOTES :
1
3
4
5
*
**
#
In case of Firm, the rate will be 11.33 percent including SC and EC.
Rates effective from 1 October 2009.
Banking company and co-operative society engaged in the banking business making payments of the aggregate amount of less than INR 10,000 in a financial year are not liable to deduct tax
NEW TDS RATES APPLICABLE (AS PROPOSED IN THE FINANCE BILL, 2009)
Pre enanctment of Finance
Bill, 2009
Post enactment of Finance
Bill, 2009
Particulars If recipient is an Individual or HUF If the recipient is a Domestic Company or Firm Criteria for
Deduction
Pre enanctment of Finance
Bill, 2009
Post enactment of Finance
Bill, 2009
Surcharge would be levied in case of Individual and HUF if total income exceeds INR 1 million and in case of domestic companies and firms it will be levied if total income exceeds INR 10 million.
2
S.
No.
Payment in excess
of Rs.20,000/- per
contract or
Rs.50,000 p.a
As per slab rates prescribed for women, senior citizens and other Individuals.
No TDS on contract for manufacturing / supply of product according to requirement of customer by using material purchased from a person other than such customer
Above rates are not applicable in case of payments made to foreign companies and non-residents. In case of payments to foreign companies, SC a should be levied at 2.5 percent (where total income of the foreign
company exceeds INR 10 million) and EC should be levied at 3 percent. However, in case of payments to other non-residents, only EC of 3 percent should be levied.
For Advance Tax computation: Advance tax is not required in case amount of tax payable for the entire year is less than INR 10,000/-. Further. EC should be applied in respect of advance tax payments by all taxpayers.
However, SC should be levied only in case of advance tax payments by domestic and foreign companies.
Higher TDS rate of 20% for not furnishing correct PAN: Requirement to furnish PAN is compulsory to deductor otherwise TDS shall be deducted @20%. W.E.F. 01.04.2010
LIC Wealth Plus
LIC Wealth Plus
“IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER”
LIC’s Wealth Plus is a unit linked plan that safeguards your investment from market fluctuations, so that your investments are protected in financially volatile times. This plan offers payment of Fund Value at the end of policy term, based on highest Net Asset Value (NAV) over the first 7 years of the policy, or the NAV as applicable at the end of the policy term, whichever is higher. NAV of the fund will be subject to a minimum of Rs. 10/-. The policy term is 8 years with an extended life cover for 2 years after the completion of policy term. This plan will be available for sale for a limited period.
You can pay the premium either in a single lump sum or for 3 years. You can choose the level of cover within the limits, which will depend on your age whether the policy is a Single premium or Limited premium contract and on the level of premium you agree to pay.
Premiums paid after allocation charge will purchase units of the Fund. The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the Net Asset Value (NAV).
Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (through ECS mode only) intervals over the 3 years premium paying term. Alternatively, a Single premium can be paid.
Guaranteed NAV: In this product there is a guarantee of the highest NAV recorded on a daily basis, in the first 7 years of the policy, subject to a minimum of Rs. 10. This means the payment at the end of the policy term will be based on highest Net Asset Value (NAV) recorded over the first 7 years of the policy, or the NAV as applicable on the end of the policy term, whichever is higher. The guarantee will be applicable only for payment made at the end of the policy term irrespective of any partial withdrawals made during the policy term. The period of 7 years starts from the date of commencement of policy.
Eligibility Conditions and Other Restrictions:
(a) Minimum Age at entry - 10 (age last birthday)(b) Maximum Age at entry - 65 years (age nearer birthday)(c) Policy Term - 8 years(d) Extended Life Cover - 2 years after the completion of policy term(e) Minimum Premium:3 years Premium Paying policies - Rs. [20,000] p.a.(Other than monthly (ECS) mode)Monthly (ECS) mode - Rs. [2,000] p.m.Single premium policies - Rs. [40,000] p.a.(f) Sum Assured under the Basic Plan - Minimum Sum Assured:3 years Premium Paying Term: 5 times the annualized premium Single Premium: 1.25 times the single premium. Maximum Sum assured: 3 years Premium Paying Term: 10 times the annualized premium if age at entry is upto 50 years5 times the annualized premium if age at entry is 51 years and aboveSingle Premium:5 times the Single premium if age at entry is upto 40 years.2.5 times the Single premium if age at entry is 41 to 50 years.1.25 times the Single premium if age at entry is 51 years and above.
Where the minimum Sum Assured is not in the multiples of Rs. 5,000, it will be rounded off to the next multiple of Rs. 5,000. Annualized Premiums shall be payable in multiple of Rs. 1,000 for other than ECS monthly. For monthly (ECS), the premium shall in multiples of Rs. 500/-.
Other Features:
i) Partial Withdrawals: Youmay encash the units partially after the third policy anniversary subject to the following:
In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday).
Partial withdrawals will be allowed twice in a policy year.
Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units subject to a minimum amount of Rs. 2000/-.
Under 3 years Premium Paying Term policies where less than 3 years’ premiums have been paid and further premiums are not paid, the partial withdrawals shall not be allowed.
Under 3 years Premium Paying Term policies where all the’ premiums have been paid, partial withdrawal will be allowed subject to Policyholder’s Fund Value being at least one annualized premium
Under Single Premium policies, the partial withdrawal will be allowed subject to a minimum balance of 25% of the single premium in the Policyholder’s Fund Value.
ii) Increase / Decrease of risk covers:No increase or decrease of benefits will be allowed.
iii) Discontinuance of premiums: If premiums are payable either yearly, half-yearly, quarterly or monthly (ECS) and the same have not been duly paid within the days of grace under the Policy, the Policy will lapse. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium.
If the policy lapses, the Life Cover and Accident Benefit rider cover, if any, shall cease and no charges for these benefits shall be deducted. However, deduction of all the other charges shall continue. The benefits under such a lapsed policy shall be payable as under:
In case of Death: The Policyholder’s Fund Value.
In case of death due to accident: Only, the amount as under A above.
In case of Surrender (including Compulsory Surrender): Policyholder’s Fund Value / monetary value of units as the case may be, shall be payable after the completion of the third policy anniversary. No amount shall be payable within 3 years from the date of commencement of policy.
In case of Partial withdrawal: Partial Withdrawals shall not be allowed under such a policy even after completion of 3 years period.
iv) Revival: If due premium is not paid within the days of grace, the policy lapses. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium. The period during which the policy can be revived will be called “Period of revival” or “revival period”.
The policy may be revived within two years from the due date of first unpaid premium. The revival shall be made on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium without interest. The mortality charge thereafter shall be based on the age nearest birthday as on the date of revival. There will be a charge of Rs. 500/- at the time of revival.
The Corporation reserves the right to accept the revival at its own terms or decline the revival of a lapsed policy. The revival of a lapsed policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Proposer / Life Assured.
Irrespective of what is stated above, if the Policyholder’s Fund Value is not sufficient to recover the charges, the policy shall be terminated and thereafter revival will not be entertained.
Reinstatement:
A policy once surrendered cannot be reinstated.
Risks borne by the Policyholder:
LIC’s Wealth Plus is a Unit Linked Life Insurance products which is different from the traditional insurance products and are subject to the risk factors.
The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Life Insurance Corporation of India is only the name of the Insurance Company and LIC’s Wealth Plus is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
All benefits under the policy are also subject to the Tax Laws and other financial enactments as they exist from time to time.
Cooling off period:
If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to us within 15 days. The amount to be refunded in case the policy is returned within the cooling-off period shall be determined as under:Value of units in the Policyholder’s Fund Plus unallocated premium. Plus PolicyAdministration charge deducted Less charges @ Rs.0.20per thousand Sum Assured under Basic plan Less Actual cost of medical examination and special reports, if any.
· Loan:
No loan will be available under this plan.
· Assignment:
Assignment will be allowed under this plan.
· Exclusions:
In case the Life Assured commits suicide at any time within one year, the Corporation will not entertain any claim by virtue of the policy except to the extent of the Policyholder’s Fund Value on death.
“IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER”
LIC’s Wealth Plus is a unit linked plan that safeguards your investment from market fluctuations, so that your investments are protected in financially volatile times. This plan offers payment of Fund Value at the end of policy term, based on highest Net Asset Value (NAV) over the first 7 years of the policy, or the NAV as applicable at the end of the policy term, whichever is higher. NAV of the fund will be subject to a minimum of Rs. 10/-. The policy term is 8 years with an extended life cover for 2 years after the completion of policy term. This plan will be available for sale for a limited period.
You can pay the premium either in a single lump sum or for 3 years. You can choose the level of cover within the limits, which will depend on your age whether the policy is a Single premium or Limited premium contract and on the level of premium you agree to pay.
Premiums paid after allocation charge will purchase units of the Fund. The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the Net Asset Value (NAV).
Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (through ECS mode only) intervals over the 3 years premium paying term. Alternatively, a Single premium can be paid.
Guaranteed NAV: In this product there is a guarantee of the highest NAV recorded on a daily basis, in the first 7 years of the policy, subject to a minimum of Rs. 10. This means the payment at the end of the policy term will be based on highest Net Asset Value (NAV) recorded over the first 7 years of the policy, or the NAV as applicable on the end of the policy term, whichever is higher. The guarantee will be applicable only for payment made at the end of the policy term irrespective of any partial withdrawals made during the policy term. The period of 7 years starts from the date of commencement of policy.
Eligibility Conditions and Other Restrictions:
(a) Minimum Age at entry - 10 (age last birthday)(b) Maximum Age at entry - 65 years (age nearer birthday)(c) Policy Term - 8 years(d) Extended Life Cover - 2 years after the completion of policy term(e) Minimum Premium:3 years Premium Paying policies - Rs. [20,000] p.a.(Other than monthly (ECS) mode)Monthly (ECS) mode - Rs. [2,000] p.m.Single premium policies - Rs. [40,000] p.a.(f) Sum Assured under the Basic Plan - Minimum Sum Assured:3 years Premium Paying Term: 5 times the annualized premium Single Premium: 1.25 times the single premium. Maximum Sum assured: 3 years Premium Paying Term: 10 times the annualized premium if age at entry is upto 50 years5 times the annualized premium if age at entry is 51 years and aboveSingle Premium:5 times the Single premium if age at entry is upto 40 years.2.5 times the Single premium if age at entry is 41 to 50 years.1.25 times the Single premium if age at entry is 51 years and above.
Where the minimum Sum Assured is not in the multiples of Rs. 5,000, it will be rounded off to the next multiple of Rs. 5,000. Annualized Premiums shall be payable in multiple of Rs. 1,000 for other than ECS monthly. For monthly (ECS), the premium shall in multiples of Rs. 500/-.
Other Features:
i) Partial Withdrawals: Youmay encash the units partially after the third policy anniversary subject to the following:
In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday).
Partial withdrawals will be allowed twice in a policy year.
Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units subject to a minimum amount of Rs. 2000/-.
Under 3 years Premium Paying Term policies where less than 3 years’ premiums have been paid and further premiums are not paid, the partial withdrawals shall not be allowed.
Under 3 years Premium Paying Term policies where all the’ premiums have been paid, partial withdrawal will be allowed subject to Policyholder’s Fund Value being at least one annualized premium
Under Single Premium policies, the partial withdrawal will be allowed subject to a minimum balance of 25% of the single premium in the Policyholder’s Fund Value.
ii) Increase / Decrease of risk covers:No increase or decrease of benefits will be allowed.
iii) Discontinuance of premiums: If premiums are payable either yearly, half-yearly, quarterly or monthly (ECS) and the same have not been duly paid within the days of grace under the Policy, the Policy will lapse. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium.
If the policy lapses, the Life Cover and Accident Benefit rider cover, if any, shall cease and no charges for these benefits shall be deducted. However, deduction of all the other charges shall continue. The benefits under such a lapsed policy shall be payable as under:
In case of Death: The Policyholder’s Fund Value.
In case of death due to accident: Only, the amount as under A above.
In case of Surrender (including Compulsory Surrender): Policyholder’s Fund Value / monetary value of units as the case may be, shall be payable after the completion of the third policy anniversary. No amount shall be payable within 3 years from the date of commencement of policy.
In case of Partial withdrawal: Partial Withdrawals shall not be allowed under such a policy even after completion of 3 years period.
iv) Revival: If due premium is not paid within the days of grace, the policy lapses. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium. The period during which the policy can be revived will be called “Period of revival” or “revival period”.
The policy may be revived within two years from the due date of first unpaid premium. The revival shall be made on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium without interest. The mortality charge thereafter shall be based on the age nearest birthday as on the date of revival. There will be a charge of Rs. 500/- at the time of revival.
The Corporation reserves the right to accept the revival at its own terms or decline the revival of a lapsed policy. The revival of a lapsed policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Proposer / Life Assured.
Irrespective of what is stated above, if the Policyholder’s Fund Value is not sufficient to recover the charges, the policy shall be terminated and thereafter revival will not be entertained.
Reinstatement:
A policy once surrendered cannot be reinstated.
Risks borne by the Policyholder:
LIC’s Wealth Plus is a Unit Linked Life Insurance products which is different from the traditional insurance products and are subject to the risk factors.
The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
Life Insurance Corporation of India is only the name of the Insurance Company and LIC’s Wealth Plus is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
All benefits under the policy are also subject to the Tax Laws and other financial enactments as they exist from time to time.
Cooling off period:
If you are not satisfied with the “Terms and Conditions” of the policy, you may return the policy to us within 15 days. The amount to be refunded in case the policy is returned within the cooling-off period shall be determined as under:Value of units in the Policyholder’s Fund Plus unallocated premium. Plus PolicyAdministration charge deducted Less charges @ Rs.0.20per thousand Sum Assured under Basic plan Less Actual cost of medical examination and special reports, if any.
· Loan:
No loan will be available under this plan.
· Assignment:
Assignment will be allowed under this plan.
· Exclusions:
In case the Life Assured commits suicide at any time within one year, the Corporation will not entertain any claim by virtue of the policy except to the extent of the Policyholder’s Fund Value on death.
Insurance Plans - Jeevan Tarang
Insurance Plans - Jeevan Tarang
Introduction: This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5½ % of the Sum Assured after the chosen Accumulation Period. The vested bonuses in a lump sum are payable on survival to the end of the Accumulation Period or on earlier death. Further, the Sum Assured, along with Loyalty Additions, if any, is payable on survival to age 100 years or on earlier death.
Accumulation Period : The plan offers three Accumulation periods – 10, 15 and 20 years. A proposer may choose any of them.
Payment of Premium: Premiums can be paid regularly at yearly, half-yearly, quarterly or monthly intervals or through salary deductions over the Accumulation Period. Alternatively, a Single Premium can be paid on commencement of a policy.
Sample Premium Rates:The tables below provide tabular premiums for various age-term combinations for Rs. 1000/- Sum Assured.
Regular premiums
Accumulation period
Age
10 years
15 years
20 years
Up to 40 years
109.10
71.40
51.50
41 to 45 years
109.10
71.40
53.40
46 to 50 years
109.10
73.80
56.60
51 to 55 years
111.80
77.90
-
56 to 60 years
116.60
-
-
Single premiums
Accumulation period
Age
10 years
15 years
20 years
Up to 46 years
756.00
644.00
548.00
47 years
756.00
644.00
549.00
48 years
756.00
644.00
552.00
49 years
756.00
644.00
555.20
50 years
756.00
644.00
558.90
51 to 55 years
756.00
644.00
-
56 to 60 years
756.00
-
-
Participation in Profits: Policies under this plan shall participate in profits of the Corporation. During the accumulation period policies shall be entitled to receive simple reversionary bonuses which will be payable on survival to the end of the accumulation period or on earlier death. After the accumulation period, policies will be entitled to receive a Loyalty Addition payable on maturity or earlier death. The amount of simple reversionary bonus and Loyalty Addition will depend on the experience of the Corporation.
Introduction: This is a with-profits whole of life plan which provides for annual survival benefit at a rate of 5½ % of the Sum Assured after the chosen Accumulation Period. The vested bonuses in a lump sum are payable on survival to the end of the Accumulation Period or on earlier death. Further, the Sum Assured, along with Loyalty Additions, if any, is payable on survival to age 100 years or on earlier death.
Accumulation Period : The plan offers three Accumulation periods – 10, 15 and 20 years. A proposer may choose any of them.
Payment of Premium: Premiums can be paid regularly at yearly, half-yearly, quarterly or monthly intervals or through salary deductions over the Accumulation Period. Alternatively, a Single Premium can be paid on commencement of a policy.
Sample Premium Rates:The tables below provide tabular premiums for various age-term combinations for Rs. 1000/- Sum Assured.
Regular premiums
Accumulation period
Age
10 years
15 years
20 years
Up to 40 years
109.10
71.40
51.50
41 to 45 years
109.10
71.40
53.40
46 to 50 years
109.10
73.80
56.60
51 to 55 years
111.80
77.90
-
56 to 60 years
116.60
-
-
Single premiums
Accumulation period
Age
10 years
15 years
20 years
Up to 46 years
756.00
644.00
548.00
47 years
756.00
644.00
549.00
48 years
756.00
644.00
552.00
49 years
756.00
644.00
555.20
50 years
756.00
644.00
558.90
51 to 55 years
756.00
644.00
-
56 to 60 years
756.00
-
-
Participation in Profits: Policies under this plan shall participate in profits of the Corporation. During the accumulation period policies shall be entitled to receive simple reversionary bonuses which will be payable on survival to the end of the accumulation period or on earlier death. After the accumulation period, policies will be entitled to receive a Loyalty Addition payable on maturity or earlier death. The amount of simple reversionary bonus and Loyalty Addition will depend on the experience of the Corporation.
Neem Health Benefits
Neem Health Benefits
Neem has quite a few curative properties, it is a potent home remedy for diabetes, heart ailments, ear infection, dandruff, jaundice and skin conditions like acne, psoriasis, eczema and scabies.
Neem Origin
Neem is an evergreen tree indigenous to the countries of India, Myanmar, Bangladesh, Sri Lanka, Malaysia and Pakistan. Neem is hailed as a panacea for all diseases. All parts of the tree (seeds, leaves, flowers and bark) are used for preparing many medicinal preparations.
Neem Medicinal Properties
The neem roots are bitter, astringent, anodyne, depurative, antiseptic, anthelmintic, constipating, expectorant, urinary astringent, emmenagogue and tonic in nature. The leaves are astringent, expectorant, vermicidal, diuretic, emmenagogue, stomachic. The seeds have expectorant, anthelmintic and aphrodisiac properties. The flowers have astringent, refrigerant, stomachic, vermifuge, diuretic and emmenagogue properties.
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Neem Home Remedies
It is used to treat the following conditions:
· Neem Controls Sugar Fluctuations
Neem can reduce insulin requirements without altering blood glucose levels. Regular consumption of neem decoction, neem oil or neem tablets is an effective supplementary therapy for diabetes. Read other Diabetes Home Remedies.
· Neem Dries Acne Spots
Neem is a very good antidote for Acne as it has strong antibacterial properties and contain aspirin like substances that reduce redness and inflammation. Grind fresh neem leaves or mix dried neem leaves with some water or aloe vera gel and apply on the acne. Alternatively, use a mild neem soap to wash your face. Read other Acne Home Remedies.
· A Natural Remedy For Psoriasis
Neem's anti-inflammatory, anti-bacterial and analgesic properties are beneficial in treating Psoriasis as it heals the lesions and reduces the scaling and irritation. Its analgesic or pain relieving property provides soothing, immediate aid. Its anti-bacterial properties restores the natural health of the skin. Oral usage of Neem capsules can stimulate the immune system and reduce future break-outs. In labaratory studies, the administration of oral and topical ointments of Neem produced the same or greater effectiveness as cortisone based creams.
· Neem Reduces Eczema
The biggest challenges that Eczema patients suffer are dryness, itching and redness. Neem contains two chemicals nimbin and nimbidin that are anti-inflammatory in action and relieves the itching and reddening of the skin. It works as a great emollient by preventing moisture loss and restoring the protective barrier in the skin. It is also a strong analgesic or pain killer and provides instant relief to the discomfort experienced by eczema.
· Earache Relief
Neem oil's anti-inflammatory and anti-bacterial properties helps with middle ear infections. Instill a drop of neem oil to bring down the infection and dry any residual pus and wax. Read other Ear Infection Home Remedies.
· Neem Soothes the Liver
Consume a decoction of tender neem leaves sweetened with honey to eliminate the toxins in the liver. It is an effective remedy for Jaundice.
· A Herbal Remedy For Gingivitis
A mouth rinse with neem decoction or a few drops of neem oil swirled with luke warm water is very effective against gum disease, pyorrhea and general dental care. Read other Gingivitis Home Remedies.
· A Natural Cure For Heart Ailments
Neem has the ability to reduce blood pressure, blood clots, heart irregularities and high cholesterol levels. The antihistamine effects of nimbidin in neem maybe responsible for this. The compounds in the leaves also reduce anxiety and emotional fluctuations, thus stabilizing the heart rate.
· Neem Promotes Healthy Hair
Rubbing just a small amount of neem oil onto the scalp will clear it of dandruff, lice and scalp acne.
Neem has quite a few curative properties, it is a potent home remedy for diabetes, heart ailments, ear infection, dandruff, jaundice and skin conditions like acne, psoriasis, eczema and scabies.
Neem Origin
Neem is an evergreen tree indigenous to the countries of India, Myanmar, Bangladesh, Sri Lanka, Malaysia and Pakistan. Neem is hailed as a panacea for all diseases. All parts of the tree (seeds, leaves, flowers and bark) are used for preparing many medicinal preparations.
Neem Medicinal Properties
The neem roots are bitter, astringent, anodyne, depurative, antiseptic, anthelmintic, constipating, expectorant, urinary astringent, emmenagogue and tonic in nature. The leaves are astringent, expectorant, vermicidal, diuretic, emmenagogue, stomachic. The seeds have expectorant, anthelmintic and aphrodisiac properties. The flowers have astringent, refrigerant, stomachic, vermifuge, diuretic and emmenagogue properties.
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Neem Home Remedies
It is used to treat the following conditions:
· Neem Controls Sugar Fluctuations
Neem can reduce insulin requirements without altering blood glucose levels. Regular consumption of neem decoction, neem oil or neem tablets is an effective supplementary therapy for diabetes. Read other Diabetes Home Remedies.
· Neem Dries Acne Spots
Neem is a very good antidote for Acne as it has strong antibacterial properties and contain aspirin like substances that reduce redness and inflammation. Grind fresh neem leaves or mix dried neem leaves with some water or aloe vera gel and apply on the acne. Alternatively, use a mild neem soap to wash your face. Read other Acne Home Remedies.
· A Natural Remedy For Psoriasis
Neem's anti-inflammatory, anti-bacterial and analgesic properties are beneficial in treating Psoriasis as it heals the lesions and reduces the scaling and irritation. Its analgesic or pain relieving property provides soothing, immediate aid. Its anti-bacterial properties restores the natural health of the skin. Oral usage of Neem capsules can stimulate the immune system and reduce future break-outs. In labaratory studies, the administration of oral and topical ointments of Neem produced the same or greater effectiveness as cortisone based creams.
· Neem Reduces Eczema
The biggest challenges that Eczema patients suffer are dryness, itching and redness. Neem contains two chemicals nimbin and nimbidin that are anti-inflammatory in action and relieves the itching and reddening of the skin. It works as a great emollient by preventing moisture loss and restoring the protective barrier in the skin. It is also a strong analgesic or pain killer and provides instant relief to the discomfort experienced by eczema.
· Earache Relief
Neem oil's anti-inflammatory and anti-bacterial properties helps with middle ear infections. Instill a drop of neem oil to bring down the infection and dry any residual pus and wax. Read other Ear Infection Home Remedies.
· Neem Soothes the Liver
Consume a decoction of tender neem leaves sweetened with honey to eliminate the toxins in the liver. It is an effective remedy for Jaundice.
· A Herbal Remedy For Gingivitis
A mouth rinse with neem decoction or a few drops of neem oil swirled with luke warm water is very effective against gum disease, pyorrhea and general dental care. Read other Gingivitis Home Remedies.
· A Natural Cure For Heart Ailments
Neem has the ability to reduce blood pressure, blood clots, heart irregularities and high cholesterol levels. The antihistamine effects of nimbidin in neem maybe responsible for this. The compounds in the leaves also reduce anxiety and emotional fluctuations, thus stabilizing the heart rate.
· Neem Promotes Healthy Hair
Rubbing just a small amount of neem oil onto the scalp will clear it of dandruff, lice and scalp acne.
Mango Health Benefits
Mango Health Benefits
Mango is called the King of Fruits due to its sweetness and nutritive capabilities. Mangoes provide home remedies for diabetes, excessive heat, diarrhea, bilious disorders, cataract, insect sting, dandruff and weight loss.
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Mango Origin
Mangoes are native to tropical Asia, but are now grown in most tropical countries. These evergreen trees grow to a height of 10 to 45 metres, they are dome shaped with dense foliage. The leaves are linear and oblong, exuding an aromatic odour. The fruit is a drupe, showing variation in shape and size. It has a single seed, encased in a hard, compressed fibrous endocarp.
Mango Medicinal Properties
The roots bark, leaves, flowers, fruits and seed kernel - they all have medicinal qualities. The roots and bark are an astringent, styptic and anti-inflammatory. The leaves have astringent, refrigerant and styptic properties. The flowers have astringent, refrigerant, styptic and haematinic properties. The fruits are digestive, carminative, refrigerant and anti fungal in nature. The seed kernel is anthelmintic, constipating, styptic and uterine tonic.
Mangoes are rich in vitamins, minerals and anti-oxidants. They are rich in vitamin A and have good amounts of vitamin B and C as well as potassium, calcium and iron. They are high in fiber, but low in calories and sodium. An unripe mango is richer in vitamin C and the ripe mango is richer in vitamin A, you win either way!
Mango Home Remedies
It is used to treat the following conditions:
· Natural Remedy For Diabetes
Diabetics fear ripe mangoes for their high sugar content! But, mango leaves help normalize insulin levels in the blood. Boil a few mango leaves in water and allow it to saturate through the night. Consume the filtered decoction in the morning for diabetic home remedy. Alternatively, dry mango leaves, powder and store. Add about a teaspoon and boil in water and consume the filtered decoction. Read other Diabetes Home Remedies.
· Mangoes Prevents Excessive Heat
Unripe mangoes, a rich source of pectin, when steamed and juiced with cumin, rock salt and sugar, provides an excellent remedy for the summer heat.
· Mango Seeds For Diarrhoea
Dry, powder and store mango seeds for an emergency diarrhea situation. Consume the powder rolled with jaggery for a speedy recovery. This medication is very palatable for young children.
· Herbal Remedy For Bilious Disorders
Unripe mangoes are an excellent fruit remedy for bilious disorders or liver disorders. The acids contained in the unripe, green mango trigger the secretion of bile and act as an intestinal antiseptic. Consumption of green mango with honey and pepper alleviates biliousness, and thereby diseases like urticaria and jaundice.
· Mangoes Strengthen the Eye
Vitamin A deficiency causes night blindness. Eating mangoes regularly prevents night blindness, refractive errors, dryness of the eyes, softening of the cornea, itching and burning in the eyes.
· Excessive Weight Loss
The combination of ripe mangoes and milk provide an ideal treatment for weight gain. Mangoes are rich in sugar and milk, in protein. Consume mangoes and milk thrice a day to overcome this deficiency.
· Mango Leaves For Insect Stings
Juice the mango leaves and apply on the stings. This will reduce the inflammation and the sting.
· Natural Cure For Dandruff
Mango is called the King of Fruits due to its sweetness and nutritive capabilities. Mangoes provide home remedies for diabetes, excessive heat, diarrhea, bilious disorders, cataract, insect sting, dandruff and weight loss.
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Mango Origin
Mangoes are native to tropical Asia, but are now grown in most tropical countries. These evergreen trees grow to a height of 10 to 45 metres, they are dome shaped with dense foliage. The leaves are linear and oblong, exuding an aromatic odour. The fruit is a drupe, showing variation in shape and size. It has a single seed, encased in a hard, compressed fibrous endocarp.
Mango Medicinal Properties
The roots bark, leaves, flowers, fruits and seed kernel - they all have medicinal qualities. The roots and bark are an astringent, styptic and anti-inflammatory. The leaves have astringent, refrigerant and styptic properties. The flowers have astringent, refrigerant, styptic and haematinic properties. The fruits are digestive, carminative, refrigerant and anti fungal in nature. The seed kernel is anthelmintic, constipating, styptic and uterine tonic.
Mangoes are rich in vitamins, minerals and anti-oxidants. They are rich in vitamin A and have good amounts of vitamin B and C as well as potassium, calcium and iron. They are high in fiber, but low in calories and sodium. An unripe mango is richer in vitamin C and the ripe mango is richer in vitamin A, you win either way!
Mango Home Remedies
It is used to treat the following conditions:
· Natural Remedy For Diabetes
Diabetics fear ripe mangoes for their high sugar content! But, mango leaves help normalize insulin levels in the blood. Boil a few mango leaves in water and allow it to saturate through the night. Consume the filtered decoction in the morning for diabetic home remedy. Alternatively, dry mango leaves, powder and store. Add about a teaspoon and boil in water and consume the filtered decoction. Read other Diabetes Home Remedies.
· Mangoes Prevents Excessive Heat
Unripe mangoes, a rich source of pectin, when steamed and juiced with cumin, rock salt and sugar, provides an excellent remedy for the summer heat.
· Mango Seeds For Diarrhoea
Dry, powder and store mango seeds for an emergency diarrhea situation. Consume the powder rolled with jaggery for a speedy recovery. This medication is very palatable for young children.
· Herbal Remedy For Bilious Disorders
Unripe mangoes are an excellent fruit remedy for bilious disorders or liver disorders. The acids contained in the unripe, green mango trigger the secretion of bile and act as an intestinal antiseptic. Consumption of green mango with honey and pepper alleviates biliousness, and thereby diseases like urticaria and jaundice.
· Mangoes Strengthen the Eye
Vitamin A deficiency causes night blindness. Eating mangoes regularly prevents night blindness, refractive errors, dryness of the eyes, softening of the cornea, itching and burning in the eyes.
· Excessive Weight Loss
The combination of ripe mangoes and milk provide an ideal treatment for weight gain. Mangoes are rich in sugar and milk, in protein. Consume mangoes and milk thrice a day to overcome this deficiency.
· Mango Leaves For Insect Stings
Juice the mango leaves and apply on the stings. This will reduce the inflammation and the sting.
· Natural Cure For Dandruff
High Cholesterol Home Remedies
High Cholesterol Home Remedies
High Cholesterol can be mitigated with herbs like turmeric, garlic, coriander, guggulu, alfalfa and fenugreek. Cholesterol is a kind of fat in our blood and it plays a critical role in the functioning of the bile, vitamin D, cell membranes, sex hormones and nerve sheaths. The liver manufactures about a gram each day and that is adequate for all our needs.
Cholesterol Types: The Good, the Bad and Triglycerides
Not all the cholesterol is bad for us. There are three kinds of blood cholesterol - The good cholesterol or the high-density cholesterol(HDL), the bad cholesterol or the low-density cholesterol(LDL) and triglycerides. HDL helps to keep the arteries from clogging up and protects against heart disease. LDL can block our arteries and increases our risks for heart disease. Triglycerides are another form of fat that can also increase our chances of heart disease.
High cholesterol, clinically termed as hyperlipidemia, is characterized by above-normal blood levels of low-density lipoprotein (LDL or bad cholesterol) and below-normal blood levels of high-density lipoprotein(HDL or good cholesterol).
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High Cholesterol Symptoms
Unfortunately, there are no obvious symptoms of high cholesterol, so it's important to have your doctor perform a blood analysis regularly. One sign of high cholesterol can be a buildup of cholesterol rings under the eyes. But, do watch out for signs of circulatory problems, dizziness, mental confusion or dullness and difficulty breathing after minor exertion. In some individuals, excess cholesterol maybe stored in the skin and tendons, creating bumps known as xanthomas.
High Cholesterol Lifestyle Choices
Get regular medical checkups and record your cholesterol and cardiovascular risk marker levels.
Smoking is a huge risk for heart disease. If you smoke or are exposed to second hand smoke, and have high cholesterol, do quit immediately.
Exercise lowers LDL levels, while raising those of HDL. Find an activity that interests you, and pursue it regularly.
High Cholesterol Diet
Oats, brown rice, beans and fruits are good sources of soluble fiber. Soluble fiber has a dramatic ability to reduce cholesterol levels.
Nuts, especially walnuts, have been shown to reduce cholesterol and triglyceride levels. Eat a handful daily.
Garlic and onions help lower LDL cholesterol while raising HDL, add them to your dishes frequently.
Olive oil has been found to increase HDL levels (the "good" cholesterol). Whenever possible, substitute this for your cooking oil.
Sugar and alcohol stimulate the liver to produce more cholesterol. Avoid alcoholic beverages and all sources of refined sugar, especially sodas, candy and baked goods.
Substitute coffee and black tea with green tea, it has much lesser caffeine levels. High caffeine intake has been linked to high cholesterol. Moreover, green tea is rich in antioxidants which may prevent cholesterol oxidation.
Walnuts contain alpha-linolenic acid which can help lower cholesterol.
High Cholesterol Herbal Remedies
· Garlic Treatment For Cholesterol
The Sankrit word, "Lahsunah", for garlic, means "that which devours diseases of the heart", it is indeed a good home remedy for heart ailments. Compounds in garlic causes blood clots to dissolve more quickly and improve blood fluidity. Studies show that garlic contains hydrogen sulfide, which interacts with the red blood cells and helps the vessels and capillaries to relax. This in turns lowers the blood pressure. It also contains peptides which prevents blood pressure from raising and lowers cholesterol levels. Garlic decoction or a few cloves of garlic in food is an excellent cardiac supplement. Read other Garlic Home Remedies.
· Turmeric Lowers Cholesterol
Curcumin, the active constituent of Turmeric has the ability to communicate with the liver cells and stimulate the LDL receptors. The increased presence of these receptors helps in clearing the LDL or bad cholesterol from the system. Curcumin, is a rich source of Vitamin B6 and prevents the oxidation of cholesterol thus protecting the heart from plaques that can lead to a heart attack or stroke. Read other Turmeric Home Remedies.
· Amla Cholesterol Remedy
In labaratory studies, amla has been proven to effective for high cholesterol and prevention of atherosclerosis. It strengthens the heart muscles and causes asignificant decrease in total cholesterol, LDL cholesterol, VLDL cholesterol and triglycerides. A 500 mg capsule of dried Amla powder can be added to your daily routine after consulting with your doctor. Read other Amla Home Remedies.
· Arjuna - The Heart Tonic
Arjuna is a celebrated Ayurvedic remedy for heart ailments. It has shown to inhibit the oxidation of low density lipoprotein and revive high density lipoprotein ratio. A decoction from the bark can be consumed twice daily to insure against angina, high cholesterol and hyper tension. Read other Arjuna Home Remedies.
· Coriander Seeds For Cholesterol
Prepare a coriander seed decoction or a coriander leaf juice and drink this every day. It keeps the blood cholesterol in check by decreasing LDL or bad cholesterol and raising the level of HDL or good cholesterol in the body. Read other Coriander Home Remedies.
· Fenugreek For Cholesterol
Fenugreek is rich in steroidal(furostanol) saponins - notably trigoneosides and diosgenin. These are responsible for its efficacy on blood fat and cholesterol levels. Two ounces of fenugreek seed can be added as part of the diet to develop a healthier heart. Read other Fenugreek Home Remedies.
· Lower Cholesterol With Guggulu
The Ayurvedic herb, Guggul is a good medication for obesity and high cholesterol. It works on the liver by increasing the metabolism or the breaking down of the bad cholesterol (LDL cholesterol) and triglycerides. It also prevents the arteries from hardening. Guggul can be consumed as capsules.
· Alfalfa Sprouts And Cholesterol
Researchers have found that both alfalfa plant and alfalfa sprout saponin preparations bind to and absorb significant quantities of cholesterol. Alfalfa is also a rich source of potassium. The seeds are generally consumed as sprouts.
High Cholesterol, Healing With Supplements
· Vitamin C
Vitamin C, a powerful antioxidant, is the first line of defence against the heart. It reduces the oxidation of LDL and prevent heart disease. More on Vitamin C
· Vitamin E
Vitamin E is yet another powerful anti-oxidant that will prevent the cholesterol from oxidizing. More on Vitamin E.
· Niacin
Niacin, a B-Vitamin has been found to lower LDL cholesterol and triglycerides while raising the HDL levels in the body. More on Niacin
· Selenium, Zinc and Copper
Minerals Selenium, Zinc and Copper are also effective in controlling
High Cholesterol can be mitigated with herbs like turmeric, garlic, coriander, guggulu, alfalfa and fenugreek. Cholesterol is a kind of fat in our blood and it plays a critical role in the functioning of the bile, vitamin D, cell membranes, sex hormones and nerve sheaths. The liver manufactures about a gram each day and that is adequate for all our needs.
Cholesterol Types: The Good, the Bad and Triglycerides
Not all the cholesterol is bad for us. There are three kinds of blood cholesterol - The good cholesterol or the high-density cholesterol(HDL), the bad cholesterol or the low-density cholesterol(LDL) and triglycerides. HDL helps to keep the arteries from clogging up and protects against heart disease. LDL can block our arteries and increases our risks for heart disease. Triglycerides are another form of fat that can also increase our chances of heart disease.
High cholesterol, clinically termed as hyperlipidemia, is characterized by above-normal blood levels of low-density lipoprotein (LDL or bad cholesterol) and below-normal blood levels of high-density lipoprotein(HDL or good cholesterol).
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High Cholesterol Symptoms
Unfortunately, there are no obvious symptoms of high cholesterol, so it's important to have your doctor perform a blood analysis regularly. One sign of high cholesterol can be a buildup of cholesterol rings under the eyes. But, do watch out for signs of circulatory problems, dizziness, mental confusion or dullness and difficulty breathing after minor exertion. In some individuals, excess cholesterol maybe stored in the skin and tendons, creating bumps known as xanthomas.
High Cholesterol Lifestyle Choices
Get regular medical checkups and record your cholesterol and cardiovascular risk marker levels.
Smoking is a huge risk for heart disease. If you smoke or are exposed to second hand smoke, and have high cholesterol, do quit immediately.
Exercise lowers LDL levels, while raising those of HDL. Find an activity that interests you, and pursue it regularly.
High Cholesterol Diet
Oats, brown rice, beans and fruits are good sources of soluble fiber. Soluble fiber has a dramatic ability to reduce cholesterol levels.
Nuts, especially walnuts, have been shown to reduce cholesterol and triglyceride levels. Eat a handful daily.
Garlic and onions help lower LDL cholesterol while raising HDL, add them to your dishes frequently.
Olive oil has been found to increase HDL levels (the "good" cholesterol). Whenever possible, substitute this for your cooking oil.
Sugar and alcohol stimulate the liver to produce more cholesterol. Avoid alcoholic beverages and all sources of refined sugar, especially sodas, candy and baked goods.
Substitute coffee and black tea with green tea, it has much lesser caffeine levels. High caffeine intake has been linked to high cholesterol. Moreover, green tea is rich in antioxidants which may prevent cholesterol oxidation.
Walnuts contain alpha-linolenic acid which can help lower cholesterol.
High Cholesterol Herbal Remedies
· Garlic Treatment For Cholesterol
The Sankrit word, "Lahsunah", for garlic, means "that which devours diseases of the heart", it is indeed a good home remedy for heart ailments. Compounds in garlic causes blood clots to dissolve more quickly and improve blood fluidity. Studies show that garlic contains hydrogen sulfide, which interacts with the red blood cells and helps the vessels and capillaries to relax. This in turns lowers the blood pressure. It also contains peptides which prevents blood pressure from raising and lowers cholesterol levels. Garlic decoction or a few cloves of garlic in food is an excellent cardiac supplement. Read other Garlic Home Remedies.
· Turmeric Lowers Cholesterol
Curcumin, the active constituent of Turmeric has the ability to communicate with the liver cells and stimulate the LDL receptors. The increased presence of these receptors helps in clearing the LDL or bad cholesterol from the system. Curcumin, is a rich source of Vitamin B6 and prevents the oxidation of cholesterol thus protecting the heart from plaques that can lead to a heart attack or stroke. Read other Turmeric Home Remedies.
· Amla Cholesterol Remedy
In labaratory studies, amla has been proven to effective for high cholesterol and prevention of atherosclerosis. It strengthens the heart muscles and causes asignificant decrease in total cholesterol, LDL cholesterol, VLDL cholesterol and triglycerides. A 500 mg capsule of dried Amla powder can be added to your daily routine after consulting with your doctor. Read other Amla Home Remedies.
· Arjuna - The Heart Tonic
Arjuna is a celebrated Ayurvedic remedy for heart ailments. It has shown to inhibit the oxidation of low density lipoprotein and revive high density lipoprotein ratio. A decoction from the bark can be consumed twice daily to insure against angina, high cholesterol and hyper tension. Read other Arjuna Home Remedies.
· Coriander Seeds For Cholesterol
Prepare a coriander seed decoction or a coriander leaf juice and drink this every day. It keeps the blood cholesterol in check by decreasing LDL or bad cholesterol and raising the level of HDL or good cholesterol in the body. Read other Coriander Home Remedies.
· Fenugreek For Cholesterol
Fenugreek is rich in steroidal(furostanol) saponins - notably trigoneosides and diosgenin. These are responsible for its efficacy on blood fat and cholesterol levels. Two ounces of fenugreek seed can be added as part of the diet to develop a healthier heart. Read other Fenugreek Home Remedies.
· Lower Cholesterol With Guggulu
The Ayurvedic herb, Guggul is a good medication for obesity and high cholesterol. It works on the liver by increasing the metabolism or the breaking down of the bad cholesterol (LDL cholesterol) and triglycerides. It also prevents the arteries from hardening. Guggul can be consumed as capsules.
· Alfalfa Sprouts And Cholesterol
Researchers have found that both alfalfa plant and alfalfa sprout saponin preparations bind to and absorb significant quantities of cholesterol. Alfalfa is also a rich source of potassium. The seeds are generally consumed as sprouts.
High Cholesterol, Healing With Supplements
· Vitamin C
Vitamin C, a powerful antioxidant, is the first line of defence against the heart. It reduces the oxidation of LDL and prevent heart disease. More on Vitamin C
· Vitamin E
Vitamin E is yet another powerful anti-oxidant that will prevent the cholesterol from oxidizing. More on Vitamin E.
· Niacin
Niacin, a B-Vitamin has been found to lower LDL cholesterol and triglycerides while raising the HDL levels in the body. More on Niacin
· Selenium, Zinc and Copper
Minerals Selenium, Zinc and Copper are also effective in controlling
Kurkure in News
Kurkure in News
What is Kurkure made of? What are the ingredients used to create my favorite snack?Kurkure is a new age Namkeen and contains Rice meal, Corn meal, Gram Meal, Edible oil, Seasonings, Salt, Spices and Condiments and Flavors (some or all in variants of Kurkure). All the raw materials used in Kurkure comply with the Prevention of Food Adulteration Act and Rules that govern the manufacture, distribution and sale of Kurkure. All ingredients are such that are used daily in all households today for preparation of various edible items.
b. I have received mails / messages in past claiming Kurkure being an unhealthy snack or presence of plastic in Kurkure. Is this true?At the outset, we wish to assure you that there is no merit in any of the contentions you have seen in the chain mail.Kurkure is not only the safest product but is also a healthier snack. We would also like to inform you that Kurkure is made with Rice bran oil. Rice Bran Oil (RBO) is one of the healthier oils because it is naturally high in the good fats (MUFA and PUFA) and low in saturated fats. By cooking Frito Lay range of products in RICE BRAN oil, the saturated fat has been reduced by 40%. Saturates are the ones to watch out for, because too much saturated fat can contribute to increased blood cholesterol levels. The contents of the mail is, therefore, totally baseless.Do write to us if you wish to seek any further clarification in this regard. It would be our privilege to be of assistance to you.
c. How safe and strong is your production process in terms of quality and regulatory safety standards?You would be delighted to know that Kurkure is made in automated plants in three locations. These are in Channo (Punjab), Kolkata and Pune. These plants are also audited and certified by various external agencies. These certifications include HACCP (Hazard analysis and critical control point) certification by TQCSI (Australia), which confirms that products are manufactured in Food safety environment and manufacturing has adequate controls to ensure product tracking, American institute of Bakery (USA), one of the best auditing body which confirms process and product safety. Our Plants are ISO 14000 certified which confirms that the manufacturing process ensures environmental safety. Our plants are also certified to ensure that the product, process, environment and people safety have been maintained at very high level and this certification is issued by OHSAS 18001-(Occupational Health and safety assessment series) - (USA).
d. How would we know if something goes wrong at factory / manufacturing facility of Kurkure and hence affects the quality?Every raw material we receive in our factory for manufacture of Kurkure >(e.g. Rice Meal, Corn Meal and Gram meal) is thoroughly checked for all quality parameters and if any ingredient is found not meeting our stringent internal quality parameters or those prescribed in the regulations, the same are rejected.The process of making Kurkure involves blending of these raw materials to deliver homogenous mix, addition of water for further processing, extrusion of the mix, frying to develop taste and texture and then application of consumer loveable flavor. The product is then packed into the best packaging laminate to ensure delivery of acceptable quality Kurkure to consumers. We would like to assure you that the process of extrusion used in the manufacture of Kurkure is also one of the safest processes which are now being used for making baby foods.
We look forward to your continued loyalty to our best quality products and would urge you to write to us for any further information or details you would like to have with regard to our product. We wish to take this opportunity to invite you to visit any of our plants (Pune, Channo or Kolkata) along with your family and friends to get a first hand feel on the manufacturing process as well as strict quality controls we employ in manufacturing.If you have any issues, comments or any more questions that you’d like answered, please write to us at teatime@kurkure.co.in
What is Kurkure made of? What are the ingredients used to create my favorite snack?Kurkure is a new age Namkeen and contains Rice meal, Corn meal, Gram Meal, Edible oil, Seasonings, Salt, Spices and Condiments and Flavors (some or all in variants of Kurkure). All the raw materials used in Kurkure comply with the Prevention of Food Adulteration Act and Rules that govern the manufacture, distribution and sale of Kurkure. All ingredients are such that are used daily in all households today for preparation of various edible items.
b. I have received mails / messages in past claiming Kurkure being an unhealthy snack or presence of plastic in Kurkure. Is this true?At the outset, we wish to assure you that there is no merit in any of the contentions you have seen in the chain mail.Kurkure is not only the safest product but is also a healthier snack. We would also like to inform you that Kurkure is made with Rice bran oil. Rice Bran Oil (RBO) is one of the healthier oils because it is naturally high in the good fats (MUFA and PUFA) and low in saturated fats. By cooking Frito Lay range of products in RICE BRAN oil, the saturated fat has been reduced by 40%. Saturates are the ones to watch out for, because too much saturated fat can contribute to increased blood cholesterol levels. The contents of the mail is, therefore, totally baseless.Do write to us if you wish to seek any further clarification in this regard. It would be our privilege to be of assistance to you.
c. How safe and strong is your production process in terms of quality and regulatory safety standards?You would be delighted to know that Kurkure is made in automated plants in three locations. These are in Channo (Punjab), Kolkata and Pune. These plants are also audited and certified by various external agencies. These certifications include HACCP (Hazard analysis and critical control point) certification by TQCSI (Australia), which confirms that products are manufactured in Food safety environment and manufacturing has adequate controls to ensure product tracking, American institute of Bakery (USA), one of the best auditing body which confirms process and product safety. Our Plants are ISO 14000 certified which confirms that the manufacturing process ensures environmental safety. Our plants are also certified to ensure that the product, process, environment and people safety have been maintained at very high level and this certification is issued by OHSAS 18001-(Occupational Health and safety assessment series) - (USA).
d. How would we know if something goes wrong at factory / manufacturing facility of Kurkure and hence affects the quality?Every raw material we receive in our factory for manufacture of Kurkure >(e.g. Rice Meal, Corn Meal and Gram meal) is thoroughly checked for all quality parameters and if any ingredient is found not meeting our stringent internal quality parameters or those prescribed in the regulations, the same are rejected.The process of making Kurkure involves blending of these raw materials to deliver homogenous mix, addition of water for further processing, extrusion of the mix, frying to develop taste and texture and then application of consumer loveable flavor. The product is then packed into the best packaging laminate to ensure delivery of acceptable quality Kurkure to consumers. We would like to assure you that the process of extrusion used in the manufacture of Kurkure is also one of the safest processes which are now being used for making baby foods.
We look forward to your continued loyalty to our best quality products and would urge you to write to us for any further information or details you would like to have with regard to our product. We wish to take this opportunity to invite you to visit any of our plants (Pune, Channo or Kolkata) along with your family and friends to get a first hand feel on the manufacturing process as well as strict quality controls we employ in manufacturing.If you have any issues, comments or any more questions that you’d like answered, please write to us at teatime@kurkure.co.in
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