Guava as an best medicine

अमरूद है एक बेहतरीन औषधि, इन रोगों में करता है दवा का काम

अमरूद एक बेहतरीन स्वादिष्ट फल है। अमरूद कई गुणों से भरपूर है। अमरूद में प्रोटीन 10.5 प्रतिशत, वसा 0. 2 कैल्शियम 1.01 प्रतिशत बी पाया जाता है। अमरूद का फलों में तीसरा स्थान है। पहले दो नम्बर पर आंवला और चेरी हैं। इन फलों का उपयोग ताजे खा फलों की तरह नहीं किया जाता, इसलिए अमरूद विटामिन सी पूर्ति के लिए सर्वोत्तम है।

विटामिन सी छिलके में और उसके ठीक नीचे होता है तथा भीतरी भाग में यह मात्रा घटती जाती है। फल के पकने के साथ-साथ यह मात्रा बढती जाती है। अमरूद में प्रमुख सिट्रिक अम्ल है 6 से 12 प्रतिशत भाग में बीज होते है। इसमें नारंगी, पीला सुगंधित तेल प्राप्त होता है। अमरूद स्वादिष्ट फल होने के साथ-साथ अनेक गुणों से भरा से होता है।

अमरूद के ताजे पत्तों का रस 10 ग्राम तथा पिसी मिश्री 10 ग्राम मिलाकर 21 दिन प्रात: खाली पेट सेवन करने से भूख खुलकर लगती है और शरीर सौंदर्य में भी वृद्धि होती है।

अमरूद खाने या अमरूद के पत्तों का रस पिलाने से शराब का नशा कम हो जाता है। कच्चे अमरूद को पत्थर पर घिसकर उसका एक सप्ताह तक लेप करने से आधा सिर दर्द समाप्त हो जाता है। यह प्रयोग प्रात:काल करना चाहिए। गठिया के दर्द को सही करने के लिए अमरूद की 4-5 नई कोमल पत्तियों को पीसकर उसमें थोड़ा सा काला नमक मिलाकर रोजाना खाने से से जोड़ो के दर्द में काफी राहत मिलती है।

डायबिटीज के रोगी के लिए एक पके हुये अमरूद को आग में डालकर उसे भूनकर निकाल लें और भुने हुई अमरुद को छीलकर साफ़ करके उसे अच्छे से मैश करके उसका भरता बना लें, उसमें स्वादानुसार नमक, कालीमिर्च, जीरा मिलाकर खाएं, इससे डायबिटीज में काफी लाभ होता है। ताजे अमरूद के 100 ग्राम बीजरहित टुकड़े लेकर उसे ठंडे पानी में 4 घंटे भीगने दीजिए। इसके बाद अमरूद के टुकड़े निकालकर फेंक दें। इस पानी को मधुमेह के रोगी को पिलाने से लाभ होता है।

जब भी आप फोड़े और फुंसियों से परेशान हो तो अमरूद की 7-8 पत्तियों को लेकर थोड़े से पानी में उबालकर पीसकर पेस्ट बना लें और इस पेस्ट को फोड़े-फुंसियों पर लगाने से आराम मिल जाएगा। चार हफ्तों तक नियमित रूप से अमरूद खाने से भी पेट साफ रहता है व फुंसियों की समस्या से राहत मिलती है।

Courtesy: Facebook

Read More

Tax Saving on Home Loan

 The principal amount in the repayment of a home loan can be added to the 80C limit of Rs1 lakh for tax savings. The interest component of home loans is allowed as deduction under Section 24 B for up to Rs1.5 lakh in case of a self-occupied house. In case the house is in the joint name of your spouse and you (joint loan), each one can avail of Rs1.5 lakh interest component deduction. The best part is that this limit is only for self-occupied house. If you have property which is rented out, you can deduct the full interest paid on the home loan. The rent on the property does become part of your income. If the rent is lesser than the loan interest, it will lower your overall tax liability. In any case, interest on loan offsets the rental income which is good for tax savings. For joint loan and self-occupied home, it is important to show the loan repayment by both husband and wife as they can avail of Rs1.5 lakh each on loan interest deduction. If the EMI (equated monthly instalment) is being paid from one account by ECS (electronic clearing service), pay your contribution of loan repayment to your spouse by cheque. It will help in case of IT assessment. In case your spouse does not have any income, only you can take Rs1.5 lakh loan interest deduction.

You can avail of both the benefits of Home loan and HRA if you are paying rent on your accommodation and have also taken a home loan on your own home. This is subject to your home receiving rental income which is taxable.

Union Budget 2013-2014 raised tax deduction limit by Rs 1 lakh for the first time home loan takers to promote the housing sector. A person taking a loan for his first home from a bank or a housing finance corporation up to Rs 2.5 lakh during the period 1 April 2013 to 31 March 2014 will be entitled to an additional deduction of interest of up to Rs1lakh. If the limit is not exhausted, the balance may be claimed in 2015-16. This deduction will be over and above the deduction of Rs1.5 lakh allowed for self-occupied properties under section 24 of the Income-tax Act. The move is likely to promote home ownership and give a fillip to a number of industries including steel, cement, brick, wood, and glass besides providing jobs to thousands of construction workers.

Summary:
1. Your total Interest paid in a financial year out of your EMI is goes into 24B and claim tax benifit upto max 1.5 lakhs
2. Your total Principal part of the EMI in a financial year will go into 80C and claim tax benifit upto 1 lakh

Courtesy: http://savers.moneylife.in/blog

Read More

Buying Second Home -- Tax implications

Are you planning to buy a second house? While you need to happy that you are adding another asset in your portfolio, you also need to do lots of home work. While you need to check your expenses and the long term payment obligations that would get created from this transaction, it is equally important to understand tax implication of the second house that you decide to buy. Let us understand certain concepts before we get a feel of what is the tax implication of second house that you decided to buy.
Self Occupied Property: As per Section 23(2)(a), a house property shall be termed as self occupied property where such property or part thereof: - Is in occupation for the owner for the purpose of his own residence - Is not actually let out during the whole or part of previous year; and - The owner does not derive the any other benefit from the house It is upto the owner to decide which house is self occupied if he has two property and the property decided as self occupied must fulfill the criteria as mentioned above. However, there may be certain exceptions here which need not be overlooked.
Let out Property The property which is not self occupied is assumed to be let out. So if a person has five properties, one will be considered as self occupied and remaining four become let out property. Tax Treatment Now let us understand the tax treatment of first house as well as the second house that you have decided to buy. In case of a home loan taken for a self occupied property, the principal amount repaid up to 1 lakh qualifies for deduction under Section 80C; while up to 1.5 lakhs of interest paid is tax-deductible under Section 24. This benefit gets reduced for second house. For the second house only the interest payment is eligible for deduction but there is no cap here as 1.5 lakhs. This means that if you are paying 3 lakhs as the interest entire amount is eligible for tax deduction subject to a formula prescribed. In case of second house if the house is yet to be constructed, 20% of the total interest paid during the pre-construction period is also allowed as tax deduction. There is a limit however here which means that this benefit on pre construction house is available for five years. Tax benefits from second house: Suppose you are staying in Mumbai and you buy your second house at Patna. It is obvious that the second house will not be used by you and there is also a likelihood that the house remains vacant and is not put on rent. In a different scenario, let us imagine that you have given the house to your parents for staying and you are not getting any rent. In order to understand what is the tax benefit of the second house, which is a let out house let us imagine the scenario given below. Suppose you earn Rs.1.5 lakhs on second house as rental after adjusting municipal taxes. So the annual value of property is taken as Rs.1.5lakhs. A standard deduction at the rate of 30% is allowed on let out property. So this works out to be Rs.45000 and you are paying Rs.1.4 lakhs as interest on the loan taken for second house. So the total income from house property will be considered as ( a-(b+c)) as given in the example below. 
Second house is let out property
a) Rental Income ( Annual Value) Rs. 150000 per annum
b) Standard Deduction @30% Rs. 45000
c) Interest paid on home loan Rs. 140000
d) Income from House property -35000 (Negative means beneficial for you)
 The negative income from second house is shown as loss from house property and you can reduce this amount from your taxable income. In case an employer does not allow you to adjust loss, you can claim tax benefit while filing tax returns.
Is it always beneficial to buy second house from taxation perspective?
 The answer is no. There are two scenarios in which you do not get real benefits.
Scenario one is when you have paid your home loan and hence there is no interest that is paid on second home.
Two, when the interest paid and standard deduction is less than annual value you do not get any tax benefit on second house. Also another point that you need to remember is that a second house qualifies as `wealth` on which wealth tax at 1% of value is levied if net wealth exceeds Rs 30 lakhs.

Courtesy: http://www.moneycontrol.com

Read More

How to know my mobile balance

Network Provider	Dial Code
Idea	*130#
Vodafone	*123*1# or 1231 for IVR facility
Airtel	*123# or 123 for IVR facility
Aircel	*125# or 123 for IVR facility
Reliance	*367#
Videocon	*123*1# or 1231 for IVR facility
Virgin	225 for IVR facility
Tata Docomo	12527 or 12525

Read More

How to know my mobile no.

Network Provider	Dial Code
Idea	*789# or *100# or *1# *147# *131# or *131*1#
Vodafone	*555# or *555*0# or *111*2# or *777*0# or *131*0#
Airtel	*140*175 or*140*1600# or *121*9# or *282#  *141*123#
Aircel	*1# or *234*4# or *888# or *122*131# or *131#
Reliance	*1# *111#
Bsnl	*1# or *99#
Videocon	*1#
Virgin	*1#
Tata Docomo	*1#  or *580# or *124#
Uninor	*444# *555# *1#
BPL or Loop	*222# *1# *001#
MTNL	*8888#
Smart	*1# *111*2#
Virgin	SMS:  NUM to 51230 or *1#

Read More