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Retail investors have lots of avenues for investing their savings. But they have to choose right options, depending on their needs. They should keep in mind factors such as age, disposable income, their liabilities and assets and size of the family before selecting the schemes. Among the options available they select instruments offering safety, liquidity, returns, and, most importantly, tax benefits. Savings schemes have advantages and limitations. There are ‘active’ investors who have awareness about the schemes and time to go through the details. Many others do not find time due to their pre-occupation with their jobs and lack of knowledge about the schemes. These investors should consult reliable investment consultants. Always diversified portfolio of savings schemes would help in securing decent return and safety on investments.
Most of the investors prefer post office savings schemes, which are popular. As a retirement option, they also look for long-term public provident fund offered by post offices and public sector banks. The government had effected changes in public provident funds (PPF) to make it particularly attractive. A tax payer can invest up to Rs. one lakh and claim tax benefits under Sec. 80 C of the Income-tax Act. The return on PPFs is 8.6 per cent. Post offices also offer recurring deposit, time deposit and national savings certificates.
Small savings schemes have facilities for nomination and in case of death of depositor, his / her nominee (s) can easily withdraw the deposits with interest. The schemes can be transferred from one post office to another.
There is a scheme called pay roll savings scheme under which employers can deduct the amount from the salaries and remit it to the savings schemes opted by the employees. Besides post offices, State Bank of India and select branches of nationalised banks offer public sector provident funds. Deposits are payable on maturity after 15 years along with interest rates compounded annually. Loans also can be availed from the third financial year. The minimum deposit is fixed at Rs. 500 in a financial year. The maximum number of deposits is 12 in a financial year. Premature withdrawal is permissible every year after completion of 5 years from the end of the year of opening the account. The accounts can be transferred from one post office to another, from a bank to another and from a bank to post office and vice-versa. Income Tax rebate is available on the deposits made under Section 88 of Income tax Act, as amended from time to time, and the interest credited every year is tax-free.
The post office monthly income scheme offers an interest rate of 8.5 per cent payable monthly with effect from April 1, 2012. The maturity period is 5 years. But no bonus is available on maturity with effect from December 1, 2011. There is tax deduction at source, and no tax rebate is applicable.
The minimum investment amount is Rs.1,500 or in multiple thereafter. The maximum amount is Rs. 4.50 lakh in a single account and Rs.9 lakh in a joint account. The scheme is suitable for retired employees/ senior citizens and for those who need regular monthly income.
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The Foreign Exchange Transfer Department (RBI) hereby brings to your attention the payment of your deposited fund here in the RBI. You were listed as a beneficiary in the recent schedule for payment of the past edition email award incurred by the BRITISH GOVERNMENT, which is yet unclaimed due to some circumstance according to your file record.
Your payment is categorized as: Contract type: Lottery/inheritance/ Undelivered Lottery fund/
Recently on the 20th of January 2016 The Reserve Bank of India (RBI) Governor, Dr Raghuram G. Rajan and Ban Kin-moon Secretary-General of the United Nations met with the Senate Tax Committee on Finance RBI Mumbai/Delhi branch regarding unclaimed funds which have been due for a long run. At the end of the meeting (RBI) Governor, Dr Raghuram G.Rajan mandated all unclaimed funds to be released back to the beneficiaries stating that it is an unfair practice to withhold funds in government coffers for one reason or the other. e.g., tax accumulations.
Therefore, we are writing this email to inform you that (4Crore 76lakhs Rupees) will be released to you in your name, as it was.
Committed by (RBI) Governor that the Beneficiary is to claim this funds immediately (3working days) on receiving this mail. Also reconfirm your details for crediting. Fill the form below and send it immediately .
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We acknowledge the receipt of your application requesting for the release of the referenced funds to you. Having confirmed the receipt of the application in good condition, the management and staff of this organization wishes to express our sincere congratulations!!with reference to your application and having confirmed your position as the legal beneficiary to the said prize funds through your payment file, we wish to inform you that the management of this organization have met over your application and have henceforth approved your application to release the prize fund to you on the auspices of the legal winner to the prize fund.
Your temporary account balance with us as at today stands at Rs .4, Crore 68, Lac Five Hundred Thousand Great British Pounds(500,000.00 GBP) Note: we have already completed the processing of your approved fund and all necessary approvals obtained for the payment is to be made to you accordingly via diplomatic cash payment.
The diplomatic cash payment system is the systems of payment where the fund will be brought to your country through a diplomatic means and delivered to you accordingly in your house with all the related documents to back up your funds while depositing in your account.
The funds will be officially delivered to you as a consignment, that will make it not to be checked by custom or security agencies as it will be covered by British diplomatic immunity. (B D I) based on the above approval and in accordance with our procedures for the release of funds to the beneficiary, all arrangements for the departure and arrival of the diplomat will be taken care of and concluded here very soon as there is no further time to waste as we have some fund to be dispatch to other countries.
Payment of your winning funds will be released to you within two days. Feel free to contact the undersigned for any clarification or assistance that you may require as we remain to serve you better.
Congratulation once again!!!.
english paragraph to tamil translation online
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First of all I want to take this opportunity to wish you all the best for this New Year 2015 that is just around the corner, bringing with it an atmosphere of joy and happiness, but not only! As in what concerns you, Richard, the year 2015 will also mark an important period of change and transformation, a fresh start that will push you towards a path of happiness and stability in different areas of your life, and more precisely in your love life, career, financial success, family relations and all the areas of your life that you are concerned about at the moment.
Richard, in many aspects the year 2015 will be a lot busier then several last years, and especially in the areas where talent and creative abilities are important. A lot of changes of the prior importance are going to happen in your life during the next coming months, which is due to powerful planetary movement happening in your natal chart and which is going to have numerous important repercussions, making 2015 unforgettable for you.
Richard, of course I am going to explain to you in details everything that is going to happen and I have also worked on an outline of the sequence of the astrological events that are going to lead to these changes, however I would like to start with the explanation on how exactly I have been able to find out all these details.
I have started with the in depth analysis of your personal astral configuration using your details, such as your date of birth 3rd January 1994, your astrological sign Capricorn and your place of birth tuticorin. This has allowed me to draw a picture of your natal chart and then to see what exactly is going to happen in your life, like for example the Mercury Retrograde happening at the very beginning of 2015. You should also be aware of Uranus being in Opposition to the Lunar Node, as this is going to bring some particular sensitive aspects into your everyday life. But I do not want to be too technique, Richard, as what is the most important for you is to know what repercussions all these planetary movements and shifts are going to have on your everyday life, and we are going to come to this point shortly.
Richard, as you know I am used to be precise in my work and I always double check each and every statement and prediction I give you about your future in order to be sure you get the best out of all the opportunities that are waiting for you, and of course while working on this reading and to give you a broader picture of this important year 2015, Richard, I have completed the analysis of your natal chart with a numerological reading based on your name Richard, and also based on different other personal details you have provided me with.
According to my analysis this year 2015 will be marked by an important peak point, that is going to be a start of a new period in different areas of your life, and this peak date is going to be particularly important in what concerns your love life, as the way you act and also the timing are going to define not only the short-term atmosphere in your romantic sphere , but also this period is going to have important repercussions for the next years to come and in the long-term period. This event is going to happen at the same time when Mercury is going to be in retrograde motion which coincides with the peak period according to your numerological analysis. Richard, it means that at this time in 2015 (I will need to look into it in more details later on), you will need to be in the right time and in the right place and also act in a very precise manner in order to seize this unique opportunity in your love life.
Let me be direct with you Richard, this is your time! And you will need to take an important decision in regards to your love life during this crucial peak date that will define all the future course of your romantic relationships; the importance of this decision cannot be underestimated and it is completely unthinkable that you take it without being properly guided and informed. Richard, you should be aware of all the pitfalls and misunderstandings to choose what is the best for you and the stars can show you the way to how make the best choices, as yes, Richard, the planets will open the doors to happy and flourishing love life for you but it is up to you to pass through.
Richard, but this is just the beginning of all the important changes that are going to happen in your life during the year 2015! Another area of your life where the influence of planetary shifts is going to have a huge impact will be your career path and professional environment, and this both according to you natal chart and also from the numerological point of view. This year 2015 will be very busy for you, Richard, as Jupiter is going through your 6th house, which is a promise of an important encounter with the person who is going to play a very important role in your professional life in the future.
The next point which is important to emphasize for you, Richard, is that due to the very strong interaction between Jupiter going through your natal chart and taking into account the position of Mercury there is a strong link between your professional and career sector with the friendship, mutual understanding. It seems like success in one of them will nourish success in the other one. During 2015 you will meet a person (I cannot tell for now if you already know this person or not, this point needs to be explored in a more detailed report) that will push you towards an important opportunity in your career sector, and thus giving you the chance to find more friends in your professional environment, who in their turn will open more and more chances for further professional development. The crucial thing here is not to miss out this encounter with the person who will actually start this so-called "chain reaction" and for this you will need to be in the right place at the right time and act in a very precise manner, so that you can benefit from this chance to get your professional success to the next level!
As you already know Richard, this encounter is going to happen during the peak period (which I have discovered for you according to the numerological analysis of your personal details) and I was so astonished to see that this peak period coincides with Mars entering your sign Capricorn, so you should absolutely not let this chance go by and benefit from positive influence of the planets to boost your life in different spheres!
Moreover, I have clearly sensed that you have some kind of project on your mind, which you have been thinking about for some time already, and this year (let me mention, Richard, that it is going to be the year of Wooden Goat according to the Chinese astrology) will also be beneficial in terms of the realization of this project, as additional success and financial independence gained through career development, which I have just talked about, will give you a possibility to put more time and money into this particular project, so important for you. The negative aspect between Saturn and Uranus present in your astral sky since 2012 and which was blocking you to the certain degree, is going to shift, opening you the way towards new achievements. However you should be aware, that 2015 will set the basis for the future, as during this time you will absolutely need to start moving forward in order to get the results you are hoping to see some time later.
Generally, this year will be very beneficial and lucky for you in all the areas of your life you are concerned about at the moment, including financial success. Richard, I can see that at the moment you are particularly worried about your financial situation and this point stands out clearly in your natal chart, and also it makes your worried not only about yourself, but also about some people that are very close to you and who are important to you, Richard. Let me reassure you, that during the peak period you will be able to completely change this situation. On one hand it will be due to the career progress we have talked about before, but on the other hand during the year 2015 you will have an important financial opportunity that you need to seize. However I cannot tell you more about this point simply because a more detailed study of your natal chart is necessary in order to identify all the lucky dates during this year, so that you do not pass by this unique chance to achieve prosperity.
Richard, as you can see all the areas of your life are going to be touched by the important and crucial positive changes waiting for you in 2015, starting from your love life, your professional success, financial situation, family relations, friends, home and a lot more. On the page below that I have set up for you Richard you can discover more about what the next year has ins tore for you:
To summarize the most important changes that are going to happen in your life will be:
-IN TERMS OF YOUR LOVE LIFE: you will need to take an important decision in your love life in regards to the situation you find yourself in at the moment, and this decision absolutely needs to be the right one for you, Richard, as it will define not only your immediate future in this area of your life, but it will also have important repercussions for the years to come. This decision needs to be taken having all the information at hand in order to avoid all the hidden pitfalls and to be sure you will be completely satisfied with your love life in the future.
-IN WHAT CONCERNS YOUR PROFESSIONAL AREA: During 2015 you will have an opportunity to meet a person, who is going to play an important role in your professional and financial success in the future, as this person will open you the doors to the new professional opportunity. Besides this person will allow you to meet more people, who will become your friends and who will contribute to your career in different however always positive ways.
-AS FOR YOUR FINANCIAL SITUATION: Richard, your financial situation is also going to changes, and there will be two main factors leading to important step forward and helping you to resolve your current issues, which are you professional success but also an important financial opportunity that is going to be presented to you during the next year.
-AND MUCH MORE...: You will also make numerous positive changes in other areas of your life, like for example: you will have a chance to put into life a project you have on your mind, also it will be a period for your personal development and self-realization.
Richard, I can clearly sense that you are very excited about all these changes and I know that you really need and deserve them, but at the same time you also know that the astrological influences can only open the doors and you and only you will be responsible for going through them! Yes, Richard, you will need to be alert and active and act in a very precise moment in order to make your dreams come true. I want to warn (as I am here for you and everything I am writing now is only in your best interest, dear friend), that if you just count on stars to do everything at your place, you risk missing out your chances and all the opportunities. I want you to understand, Richard, that you are the master of your destiny and astrological events only give you opportunities to make changes, they give you a choice now during the coming year 2015 to change your life for the better on different levels, but at the end what counts is your free will and you will decide if you grab this chance or just let it go.
Richard, you need to start getting ready for this incredible year right now, you need to be ready to act and also you should have all the information in your disposition in order to know how, when and in which way to act to have all the chances on your side. So I am offering you my help and I will put all my experience and professionalism at your service, Richard, and on the link below you can find out how exactly I can help you:
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THIS AGREEMENT made between A, son of B, resident’s of …………… hereinafter referred to as the owner of the ONE PART and C, son of D, resident of ………. hereinafter referred to as the contractors of the OTHER PART.
WHEREAS the owner is getting the construction of building on the land bearing Plot No………. Survey No. ……… House No. …… situate, lying and being in village……… Tehsil …….. District………. hereinafter referred to as the ‘said work’ and is desirous of availing of labour for the said work.
AND WHEREAS The contractors are the contractor for the supply of all types of labour required for the construction work and offered their services to the owner, which the owner has agreed on the terms and conditions hereafter set forth.
NOW IT IS MUTUALLY AGREED BETWEEN THE PARTIES AS UNDER:
1. The contractors will supply all labour viz. masons, labourers, water carriers and other necessary workers required for the said work to the owner at site provided that the requisition thereof is made ………. hours in advance.
2. The labour shall be paid at the prevailing market rate. The present prevailing market rate of labour of all type has been given in the Schedule hereunder written. The said rates may be changed by the mutual consent of the parties.
3. The contractors will be entitled to a commission of ………. on the total disbursement made to the labour so supplied by them. The said commission shall be payable to the contractors every week.
4. The contractors will be liable for and make good any loss or damage, caused by any act or default on the part of the labour supplied by them.
5. If the contractors fail to supply necessary labour on a requisition made by the owner in time, they will be liable to pay a sum of Rs. …………. as liquidated damages per labourer, mason, water carrier or any other worker not supplied by them in accordance with the requisition by the owner.
IN WITNESS WHEREOF the parties hereto have set their respective hands to these presents on the date, month and year hereinabove written.
Signed and delivered by
the within named owner A
Signed and delivered by
the within named contractors C
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