posititude

August 14 (Issue 7)
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A positive attitude Change your life
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Foreword
Rajinder Singh Mann
1
st
August 14
Bahadurgarh


Building relationship and wealth are done by
investments. In relationship, we need to invest our
trust, support, love, affection, etc., and in building
wealth we need to make systematic investments at
different stages of life.

In this issue we have tried to bring some topics which
will strengthen your relationships, help you to be a
Happier and healthier person. We have also included
one section on how to beat and face problems in life.
Adversities always give learnings and strength to face
adverse conditions in life. Dont go on back foot, come
forwards, face the situation and you will see the
problem has now been converted into an occasion to
enjoy and opportunity to encash results. Instead of
loosing, you gained. Actually there is nothing like
Problem, it is only unawareness, pessimism and lack of
knowledge which convert any situation into a Problem.
This is life, keep reading, acquire knowledge on daily
basis and keep yourself charged with good thoughts, life
is yours, Enjoy it, it is meant for enjoyment only.

Hope this issue will motivates you to buildup new
relations, fortified you with more tools to face
adversities and help you to plan your financials.




With Best Wishes.
Postititude.india@yahoo.com
Posititude.india@gmail.com

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Contents
August 14
How to be Happy ? 4 to 9
Happiness helps us perform

Positive relationship 10 to 13
Relationships are building stones

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

When the going Gets Tough 15 to 19
Nothing is tough, it is you..

Health body, Healthy mind 20 to 22
Turmeric, a mood booster

Financial Planning 23 to 26
Different Stages of life
Investment in 80C

Learning 29 to 32
Thomas Edition
Swami Vivekanand
Inspirational Poem

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Happiness is a psychological feeling which make us light, jolly, contented and
motivated. All of us always wants to be happy so that we can concentrate in our
work. Nobody is jolly and elated all the time, but some individuals are definitely
more fulfilled than others. Lot of research has been done and it is concluded that
happiness has little to do with materialistic needs, goods, or wants, or high
achievement. It is all about your outlook on life, relations with others. Here we
present few topics, which are important to be in happy mood.
1 Be Optimist :
There are two types of people, Optimist and pessimist. Optimist always see hope,
duty, success in every difficulty and situation, where as pessimist sees difficulty in
every situation and opportunity. It all about how you think and see the things and
situation and your action proves the thoughts. If we want to analysis our barometer
of Happiness, then add up all the little joyful things that happen to you during the
day. Write them down. For example, if your boss appreciate you for a small task, if
you get to eat the breakfast which you love to have, your friends make to laugh,
etc.,. Your outlook will change.

Feel deeply grateful for the things you have. This is a very effective way to be happy.
If you feel grateful for the things you have, you not only become more happy but it
also helps you to bring more into your life.

View the glass as half-full instead of half-empty. Your
girlfriend/ boyfriend broke up with you? Now you have the
chance to meet someone else! You lost your job? Now you can
seize the opportunity to find a better one! Adjust your
mentality so that, in everything that happens to you, there's
some kernel of good. Put yourself in situations where fabulous, fortunate things are
likely to happen to you. It's easier to remain optimistic if you set yourself up for
success. Cheating on a partner, or stealing someone's bicycle while temporarily
thrilling rarely end well for any party involved. Ask yourself before you act: Am I
setting myself up for success or for failure?

Think of your current situation (however hard it may be) and then think of how much
harder some other people have it. Just be happy that you are not in that worse
situation. Learn to enjoy your life!
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2. Own yourself.:
Never act in double manner. Always behave in you natural way. This will give
you happiness, no matter how many people like you how many rejects you.
Always accept the mistakes you do, talk in your original manner, and always
project your YOU. Try to be comfortable in your own skin and subconsciously
communicate to others that, 'This is me take it or leave it'. It means don't
apologize to anyone for something which is a part of you, like your personality,
your voice, habits (good or bad), basically anything; remember there is always
someone who likes you for the way you are. For example if you want to wear
something which is weird but you find it cool, wear it, no one is stopping you.
Its a deeper step towards building a good relationship with yourself.
3. Earn enough money to meet basic needs:
You should evaluate your daily (short term needs) and future needs (Long term
needs). Any money excess than your need will never make you happy. You are
happy with the money which fulfill your requirement. Once you make enough
to support basic needs, your happiness is not significantly affected by how
much money you make, but by your level of optimism. Your comfort may
increase with your salary, but comfort isn't what makes people happy. It makes
people bored. That's why it's important to push beyond your comfort zone to
fuel personal growth.
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4. Health body matters most.
In a healthy body resides a healthy mind. Similarly in a Happy body resides a
Happy mind. More your are happy with your body more you will be active,
enthusiastic and optimistic. Lot of research has been done to have a healthy and
happy body. Research say that exercise, healthy diets, and regular sleep are key
factors in growing more happy. Scientists hypothesize that exercise causes the
brain to release chemicals called endorphins that elevate our mood.
Eat right. Eating healthy foods fruits and vegetables, lean meats and proteins,
whole grains, nuts, and seeds gives your body and brain the energy it needs
to be healthy. Some scientists speculate that unhealthy diets, especially those
rich in processed carbohydrates, sugars, and industrial vegetable fats, is
responsible for brain shrinkage and certain brain diseases like depression and
dementia. This has been discussed in other issues of Posititude.
Get enough sleep. Sleeping is the time when our bodys metabolism is at the
lowest, thereby generating less of heat. This calm our body and mind. Both are
relaxed and fresh after a sound sleep. Relaxed body and mind gives us happiness
and energy. Therefore always take enough sleep to be happy.
5. Stay close to friends and family:
Our relationship with friends and family members effect our happiness. Always
be closure to them. Even money is not a substitute for Friends and family
members. Many of us, relocate ourselves to get more salary package or to earn
more. You may get more money, but will miss them and may not be happy and
always be craving for love and associations of them. Relationship with your
friends and family members have a far greater impact on happiness. Money will
never compensate you happiness which you will get in association ship with
friends and family members.
To be always happy, stay close to your friends and family member. There presence
give you enthusiasm, peace of mind and happiness.
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8. Be compassionate.
Compassion is all about doing something kind for someone in need, or someone
less privileged than yourself. A brain-imaging study (where scientists peek into
people's brains while they act or think) revealed that people gain as much
happiness from watching others give to charity as they do receiving money
themselves!
[
Think of effective ways that you can make your community or the
world a better place by being compassionate. Compassion is a key part
of sustainable happiness:
Tutor, volunteer, or get involved in a church group. Countless children
are looking for someone to teach them and act as a role model.
Make a microloan. A microloan is when you give someone (usually in
the developing world) a very small sum of money for an economic
project of their own. Many microloans have 95%+ repayment rates.
Give a person in need food, clothing or shelter. It's so basic we often
forget to think about it, yet so easy to do.
Increase the happiness of those around you by giving gifts. This will increase your
happiness as well - in fact, the one giving the gift usually feels a larger pulse of
dopamine (the neurotransmitter responsible for feeling happiness) than the
person receiving the gift!
7. Have deep, meaningful conversations.

A study by a psychologist at the University of Arizona has shown that spending
less time participating in small talk and more time in deep, meaningful
conversations can increase happiness. So next time you're beating around the
bush with a friend, instead cut right to the chase. Talk to the point. You'll be
happier for it.
8. Enjoy your job and find happiness in it:

Always choose the job which suits your skills, capabilities and interest. Right job
will give you more happiness even though you are low paid, then a job which
dont like, but highly paid. Loving you job will inculcate confidence, enthusiasm,
innovation and happiness. You will automatically buildup a healthy relationships
with the colleagues, peers and seniors. By understanding you skills and capability
and success in your job, makes you a successful and happy person.
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9. Smile a While:
When you visit an office the receptionist welcome you with smile and greeting
you also be happy and greet here in reciprocation. And of the receptionist does
welcome you with a smile, you will not look at her and will also not wish her back.
Same rule applys to you also.

Always greet every one with smile, you will get more than what
you give and buildup a healthy relationship with others. Science
suggests that when you smile, whether you're happy or not, your
mood is elevated. So smile all the time if you can! Smiling is like a
feedback loop: smiling reinforces happiness, just as happiness causes smiling.
People who smile during painful procedures reported less pain than those who
kept their facial features neutral.
10. Forgive and forget:
In a study of college students, an attitude of forgiveness contributed to better
cardiovascular health. You could say forgiveness literally heals the heart. While it
is unknown how forgiveness directly affects your heart, the study suggests that it
may lower the perception of stress.
11. Make Friends:
While travelling in train, normal we met some people whom we
get attracted while talking. Some topic of discussion will start
and you start discussing along with other passengers. Some of
the members will oppose the topic and some will favor the topic.
It is seen that the members who favor the topic becomes friends
in the entire journey. Research also says the same. So two people become
friends when their wavelength and mutual interest and beliefs matches.

When you interact with people who share your interests, you feel happier due
to sensations of reward and well-being. This is because during such
interactions, serotonin and dopamine neurotransmitters responsible for
feelings of happiness and relaxation are released into the body. In other
words, your body is designed to feel happier when engaged in social
interactions.
Source - http://www.wikihow.com
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Relationship Boosters
1) Happiness Think positive and be happy always. Like attracts like. Therefore
if you are happy, then you will attract happy persons and buildup a happy
relations. If you are Happy at Home or at Work all the person who are in
touch with you will also feel the happiness and reciprocate the same.

2) Trust Trust is the great tool to buildup a good and healthy relations. At
home trust your spouse, children and at work trust your colleagues, peers
and also make them realize the you trust them and expect the same from
them also. This will bond the relation further and bring cooperation and
transparency in the relationship.

3) Love Love is the divine power we have inside us.
We are born with love and love the best feeling
which a human can experience. Love brings positivity
and power in us. Love brings us closure to each other.

4) Affection Giving affection and care towards all the
family members and colleagues at work place bring
closeness and reciprocate the same bonding
in the relations.

5) Equality See all the with the same view and our behavior should not be
effected by the biased actions. Always give time to others to present their
views. Dont talk always, be a good listener also. Everyone wants to express,
therefore give others also chance to talk.

6) Mutual Respect - If we give respect we will
get respect in return. If we disrespect other,
we cant expect respect in return. It is
natures rule, what you sow is what you ripe.

7) Friendship Always see friends in other, you will definitely find friends. If
you see other with envy, you will get only foe. If you want other to be friend
with you, first be friendly with other. Initiation has to be done by you first.

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8) Laughter Laughter is a good best tool to buildup
relations. It is also said that if you laugh all are
with you and when you cry you are alone. Everybody
wants to be in a good mood and happiness. Laughter
is a sign of Good Health and relations.

8) Common Interests Always find common interest in the relationships
and talk on those only. This will strengthen the bonding and
participation by others also.

9) Support Relationship are meant only to help each others when
needed. If we dont help each other in bad times then there is no use
maintaining relationships. Relationships are nurtured by timely
support in adversities.

10) Acceptance Accept the friends with all
positives and negatives. All are born with
good and bad traits. Choose the good and
positives and ignore the bad part of the
character. Always talk of the positive part of
the personality. Relationship will live long.

11) Comfort Feel and convey your comfort in the presence of your
friends, this will keep the relationship live and fresh always. If you start
discomfort, others will catch that immediately and will behave
accordingly.

12) Kindness Be kind always. Whenever others are in trouble, help them,
give emotional support, be with them in the adverse situation. This will
strengthen the relationship.
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13) Strong Self esteem Respect your and others self esteem. Never hurt self esteem of others.
Hurting other will weaken the relationship.









14) Be Right and not Perfect Perfectness brings rigidity, whereas rightness is flexible and give
chance to others to participate. Whereas in Perfection, you think you are 100% right and
there is no place for others. Relationship are build when there is participation. Always
discuss with others, this will value the relationship and strengthen it.

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We all are social animal. The difference
between animal and human being is that
human being can express his feelings and
can share happiness and sorrow with each
other. We all have our own capabilities,
strengths and weaknesses. No one is
perfect. Our strengths and capabilities
helps us to achieve our goals, whereas
weakness opposes our success and makes
us face adverse situations and failures. But
failures, if taken positively can teaches us
to face adverse conditions with courage
and confidence next time.
All human beings are born with strengths and weakness. No one is perfect in all field
and sphere of life. Every person has his/her own areas of concerned and expertise.
We all are complimentary to each other.

No one can do all his/her tasks independently. Others assistance and help is always
required and solicited. To make our life more happy and easy we should maintain a
good relationship with all the person who are connected with us at home, work place
or in society.

To have a good relationship with all the people we should maintain a good repo with
all the persons. The best way to maintain is to see always positives in others. The
positives are the qualities which we posses and like to see the same in others.
Therefore we like the others due to the similarity of thoughts. When there is
similarity of thoughts, then there is always a bonding of good relationship between
the two persons. Therefore always appreciate the person having similarity with you.
This bring his/her more closure to us and ease our working.

The difference of view are not always wrong. May be the difference of view is due to
our own short comings and other person is right in his views. Therefore we should
review our views first and then only advice the other. We should always respect
others point of view, even though it may be different from ours.
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Everyday we all face various situations, various persons, various
conditions of life. Some of the situations are very pleasant and
keep us cool and keep going. But there are some situations
which are very difficult to face and some times they break us,
demotivate us, suck our energy. There are persons who are
very good and cooperative, their association ship solve even a
bigger problem in no time, as if that was not a problem. But there are persons
with who even a small task become a mountain. They become bottleneck and
reason for our demotivation and failures. These are part of life. Difficult
Situations and tough persons test our acumen, patience and power to fight
negativity.

Life gives us both thing Happiness and Sorrow, Healing and pain, Good and
Bad, positive and negative. It is our choice and attitude how we take them.
Happiness, Healing, Good and positive are always welcome, but sorrow, pain,
bad and negative situation are unwelcome by us. In good times we have help
from life, similarly in bad situations also life give us help to solve in one way or
the other. Help is always there, it is only matter of recognition and acceptance.

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

1) Keep and ignore the Bad Part There are many situations and pains for
which we dont have any solution, but we also
dont want that pain to effect our life. Therefore
we should ignore it for time being, and keep
going, finding better options in life. Time will
come when this pain will get cured easily and in
no time. Every situation or problem has its life
cycle. In the beginning it will start disturbing us
and in peak it will try to break us. If we are
undeterred, it will start dying and vanish after some time automatically.

Ignorance is a bliss. Basically we divert our attention from the pain and
able to concentrate on our daily routine task. It will die its own, when
time come. Therefore detach from it and keep going.


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2. Some things cant be controlled There is a quotation said by unknown
person - Why worry about things you cant
control when you can keep yourself busy
controlling the things that depend on you?
~Unknown. In rainy season some times we stuck
up at home itself and unable to move for office.
We start cursing the rain, which is not in our
control. We spoil our mood and others also. We get pain and negativity rather. I
have tested that when situation is not under control start diverting your
strength /attention towards what you can do if cant overcome the situation.
Best solution is to do what you have in hand. Keep yourself busy in some other
activity which will benefit you and overcome to face the bad situation. With
passing of time either you will get control of the situation or the situation will
pass itself. But yes you will be in better situation rather than fight with the
awkward situation. Keep going is only the Mantra.

3. Have patience, understand and learn from failures Some times we are in a
situation where we take wrong decisions in our life and get
demotivated and unable to think to go ahead and face the
new challenges of the life which are in front of us. By the
negative fruit of the failures we get dishearten. We tool
down and keep remembering the failure. The solution is
with the failure itself. Understand the failure. Why we
failed? What are steps which push us to fail? Where we
when wrong and what went wrong? By asking these questions, we get the
reasons and solutions which we could have done to prevent failures. When we
learn from the failures, we understand our shortcomings and by knowing these,
we become more strong and equipped to face the same situation again and we
win, because we have already learned how to face and overcome the situation.
Therefore understanding and learning from situations/failures is the basic rule
to upgrade knowledge and progress in life.

4. Ups and down are part of life, better understand Life is full of ups and
downs. No person in this world is spared by the lifes oscillations. With Birth
come death, with happiness comes Pain, etc., All these are complimentary to
each other. If we have on Happiness in our life then the meaning of happiness

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will vanish and if there is all pain in our life, the meaning of pain will also vanish.
Therefore dont worry in life , ups and downs are part of life and they infect boost
our immunity system.

According to a fable of Akbar and Birbal, Akbar drew a line on a wall and asked to all
subjects to make this line shorter without touching or removing any portion of this
line. All people thought at every angle, but did not get any clue how to make it
shorter without touching it. Birbal was a witty minister; he was well-known for his
presence of mind and providing the solution of the complex problems. At last,
Birbal took this challenge to make the line shorter without touching or removing
any part of the line. Everyone was surprised how Birbal would do that. Birbal took a
chalk and drew a bigger line parallel to the existing line. In comparison to the bigger
line, the existing line was looking short. Birbal did it, without touching or harming
the existing line.

Larger line is called larger only if there is another smaller line and a smaller line
exists until there is no other larger line. Therefore Ups and Downs are relatives
terms and should be understood and keep going ahead despite of ups and downs.
Life is full of oscillations, ups and down are inevitable.

5. Keep going, the world is not going to wait for you To Keep going is only the
way of life. Life means keep going, once you stop it is
end of the life and death is accomplished. We all are
competing with each others. As long as we are useful
and helpful for other they will be with us. But as soon
as we are unable to help or unable to move along, no
body will wait for us. They will leave us alone and move
forward. This is practical aspect of life. Therefore always keep moving and because
no one will wait for you. The only one person can move along with you is only you.
Keep yourself healthy and positive and keep moving without get effected by the
negatives of the life. The person who wants you will come along and who have
other way to go will take their own course.





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6. Change is only constant The day we born, we are put into the cycle of
change. Physically our body changes from
baby to boy, boy to young man, young man
to Man and Man to an old man. This is how
human life cycle is. When we were young,
we were having curiosity how we will be
when we will grow up as man. When we are
in our middle (around 45-40) , we start
feeling now the life should stop and we
should be young for ever. Which is not
possible. Change is inevitable and it has to
occur. Without change nothing is possible.
Change is life and life is change.

Therefore dont get afraid of changes.
Changes are always for good and betterment only. But we human being always
Resist change. This is due to fear and insecurity. It is not that we cant cope-up
with the changes, it is because we are afraid of the unknown effect (good/bad)
due to that change. It is all mind set. If we think change is for good, believe me it
will be good for us and we assume that the change is going to hurt us, it is also
true it is going to hurt us in one form or other.

Therefore accept that changes are always necessary for going ahead in our life
and scavenging the old dirt from our life. Change always bring newness, zeal,
learning, maturity, escaping from old junk, etc., in our life. Accept the change,
enjoy the change and explore the change, it is going to benefit us.
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Turmeric

Turmeric is that bright yellow spice most often used in
curry recipes. Tumeric comes from the root of
the Curcuma Longa plant, hence the active ingredient in
tumeric is known as curcumin. Aside from its excellent
flavour (if you like curry that is), tumeric offers many
health benefits that put it into the Superfoods category.

Health Benefits of Tumeric

Tumeric is one of many spices that offers amazing medicinal benefits when it is
consumed regularly but it isnt a cure-all magic pill. Everything we eat, tumeric
included, can be used to help our body function well. At the same time, poor food
choices can contribute to dysfunction in our body. As Hippocrates said,
Let food be thy medicine and medicine be thy food

Tumeric is an example of a food that can be a powerful medicine for many common
health concerns people face today. Here are just 7 reasons why you should consider
eating more tumeric in your weekly diet:

1. Fight Cancer
When combined with Cauliflower, tumeric has been shown to prevent certain
kinds of cancer and even inhibit the growth of existing cancers.

2. Shed Fat
The curcumin in tumeric is one of many foods that can be used to boost your
metabolic rate and therefore help you shed fat and maintain a healthy weight.

3. Be Happier
In Eastern medicine tumeric has long been used a natural treatment for
depression.

4. Detox Your Liver
The liver is the processor of all foods you put into your body. With increasing food
contaminants, and poorer quality foods in general, your liver is working
overtime. Tumeric can be used to detoxify your overworked liver, thereby
reducing your risk of developing many diseases due to chemical liver damage.
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5. Reduce Inflammation
Chronic inflammation can be the source of so many common health problems
including sore joints, poor digestion, and weight gain. Tumeric is a
powerful natural anti-inflammatory that can work just as well as many anti-
inflammatory drugs but without the side effects.

6. Soothe Arthritis
Because of its anti-inflammatory properties, tumeric can be used as a natural
treatment for arthritis and rheumatoid arthritis.

7. Have Beautiful Skin
Not only does tumeric speed up the healing of wounds but it also assists in
re-modelling of damaged skin. It can also be used in the treatment of psoriasis
and other inflammatory skin conditions.

Source : http://makeyourbodywork.com
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Financial Planning at different stages of life

In our life, we passes through different stages of life. At the different stages of life
our financial needs changes. Our life priorities also changes. Our liabilities at
different time and stage also change. All of us plan according to time and need.
Some live life king size and some end up with regrets. SO financial planning is
must for all of us at different stages of life.

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

Family Structure
Education
Service
Health
Age

Family Structure In a typical Indian family the Eldest Son/Daughter are treated
as the role model and are considered to be the part of family earners, as soon as
in job. But, younger children enjoy the leverage of being young. If you are eldest
in the family do support your family till your other brothers and sisters are
educated. As soon as they finishes their education help them to get appropriate
job. While supporting the family keep some fund in regular income plans, may be
in a small amount. In long term these small amount will help you and induce
positive confidence in you. No one will help, only money is the best friend in the
adversities. Even if you are only one kid, dont ignore habit of saving. It is always
helpful.

Being family head, Education of the kids is prime responsibility. For financial
freedom, you should take life insurance policies for you, your spouse and
children. This ensure your and your dependents security even after life. For old
parent should have some planning for their welfare and happy living. Some times,
you may have to help your brothers and sisters also. Being responsible for other
affect you attitude and potential of taking risks in life.

Health This one of the most important aspect of our life and cant be ignored by
any chance. Now a days getting medical treatment is very costly.
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As we grow older, our body system needs care and sometimes it breakdown and
Immediately emergency medical treatment is required. Even we have to take
care of all our dependents like spouse, children and old parents. To get all of the
dependent timely medical treatment we should enroll all in a combined medical
policy. In combined medical policy the sum amount can be used for any or all
the members.

If we dont do it, we may end-up expending lot of money in getting the
treatment. By doing so your tolerance for risk also decreases.

Career Choice You career planning fetch you the appropriate job and you job
will give you the money you want. Based on the earning only you can plan your
financial planning. Priorities changes from person to person and family to family
and circumstances to circumstances. For example if you are office going, you
have low risk of accidents than a person in sales. Therefore Sales /Field /
Manufacturing / Transporters are more exposes to risks, therefore should opt
for accidental policies.

Age At different stages of life, we have different level of liabilities, risks and
responsibilities. Therefore our financial planning should also be accordingly to
our needs and values at different stages of life. At the young age we have the
abilities to take risks, we have abilities and willingness also. Therefore taking risk
and earning more at this stage of life is must. Investments, if any should be long
term. But we will be on the low earning and also low liabilities.
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In the middle age, our income grows along with liabilities like education, housing ,
health related, premium on Insurance, House loans, education loan, health,
Income taxes, etc.,. Also this is the stage of accumulating the money for future
liabilities like health, retirement plans, marriages of the children, etc.,. Be
cautious and priorities your liabilities and risks involved. Dont stake your future
on stake for the benefit of others. No one, but your strong financials will help you
in future.

At Older Adulthood, stop doing long-term
investments. Now is the time for big
liabilities, like marriages and establishing
your children. The money you saved will
be start help you in executing your
responsibilities. But keep spare money for
your self for retirement and old age eventualities.

At older age incomes decrease, liabilities
decrease, expenses also decreases. This is
retirement life. You should have a regular
income from retirement plans in which you
have invested in long term investment
at the time of adult hood. Otherwise you
should have other income from other resources you have building.

Depending on children in this age is going to give you helplessness, agony and
pain. So who are at the Adult age, should start investing in long term plans for old
age liabilities and livelihood.


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The Budget has raised the deduction limit. Here are the options in which you
can invest to save tax:-

PPF (Public Provident Fund)

The PPF is an all-time favourite investment option and the Budget has only
made it more attractive by enhancing the annual investment limit to Rs 1.5
lakh. The PPF offers investors a lot of flexibility. You can open an account in a
post office branch or a bank. The maximum investment of Rs1.5 lakh in a year
can be done as a lump sum or as instalments on any working day of the year.
Just make sure you invest the minimum Rs 500 in your PPF account in a year,
otherwise you will be slapped with a nominal, but irksome, penalty of Rs 50.
Though the PPF account matures in 15 years, you can extend it in blocks of five
years each. The PPF is useful for risk-averse investors, self-employed
professionals and those not covered by the EPF.

ELSS funds (Equity-Linked Saving Schemes)

Equity-linked saving schemes (ELSS) have the shortest lock-in period of three
years among all the tax-saving options under Section 80C. But this should not
be the most important reason for investing in this avenue. Being equity funds,
these schemes can generate good returns for investors over the long term.
The minimum investment in ELSS funds is very low. Though regular equity
mutual funds have a minimum investment of Rs 5,000, you can put ..

SCSS (Senior Citizen Saving Scheme)

This assured return scheme is the best tax-saving avenue for senior citizens.
However, the Rs 15 lakh investment limit somewhat curtails its utility. The
interest rate is 100 basis points above the 5-year government bond yield. The
interest is paid on 31 March, 30 June, 30 September and 31 December,
irrespective of when you start investing.



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NPS

Its low-cost structure, flexibility and other investor-friendly features
make the New Pension Scheme an ideal investment vehicle for
retirement planning. The scheme scores high on flexibility. The minimum
investment of Rs 6,000 can be invested as a lump sum or in instalments
of at least Rs 500. There is no limit. The investor also decides the
allocation to equity, corporate bonds and gilts. Be ready for a lot of
legwork before you can buy.

Bank FDs and NSCs

Don't get misled by the high interest rates offered on the 5-year bank
fixed deposits. Interest income is fully taxable so the post-tax yield may
not be as high as you think. In the 20 per cent and 30 per cent income tax
brackets, it is not as attractive as the yield of the tax-free PPF.

Life Insurance plans

Though the Irda guidelines for traditional plans have made insurance
policies more customer-friendly, they are still the worst way to save tax.
The tax saving is only meant to reduce the cost of insurance. It is not the
core objective of the policy.

Pension plans

The charges of pension plans offered by life insurers are significantly
higher than those of the NPS. The difference can snow .







Source times of India.
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Hindi Song from Film Shor
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References
1. Http://Wikipaidia
2. http://www.dictionary.com
3. Medical Encyclopedia (http://www.ncbi.nlm.nih.gov/)
4. News Papers HT, TOI, Dainik Bhaskar
5. www.thetimesofindia.com
6. www.wikihow.com









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