Search engine giant Google recently changed their search engine results page(SERP) which is claimed to be "clean" and "more readable" compared to the old layout.

Some of the changes made are on the page layout, the underline on the links are removed, the font size is increased(to 18px but no change to the page width) and more white space added between search results.

Another change Google brought-in is a yellow Ad label, which will differentiate paid results with organic search results.

Another new feature Google introduced is the section People also search for which is nothing but 'related searches' from Google knowledge graph. All your competitors name along with their logo will be listed which will annoy many of the business owners for sure!

Also you have more number of suggestions in the auto-suggestion box with links to their website. Means no need to go to the search result, you can directly click on the suggestion, Google will take you to the page you requested.

Overall this is an impressive change from Google, not only on the search quality but also on the readability of the search result.

Initially Google will see some resistance from the users, mainly for the bigger fonts, which according to the analysts is normal, resistance to change.

These changes are rolled out only in few regions(including mobile versions) but will be implemented in phases to all remaining regions, we believe.

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To promote housing sector, government introduced a new section named 80EE under the income tax laws, according to which first time home buyers can declare additional 1Lakh for tax benefits if the loan amount is less than 25Lakhs and the cost of the property is less than 40Lakhs.

Also the loan sanctioned date should fall in the financial year 2013-2014(assessment year 2014-2015).

This deduction is over and above the Rs. 1.5Lakh limit under Section 24.

So, the eligibility criteria for this 1L deduction are:

  • Loan sanctioned date between 1st April 2013 and 31st March 2014.
  • Loan amount is less than 25Lakhs
  • Cost of the property is less than 40Lakhs
  • Borrower does not hold another house in his/her name on the date of sanction of the loan
  • Total interest paid in FY 2013-2014 is above 1.5L

If the interest paid during FY 2013-2014 is below 1Lakh(excluding Section 24 limit which is 1.5L), the balance can be carried over to the next financial year ie, 2014-2015.

Illustration:

Mr. Pankaj's income from salary is Rs. 12,00,000. He booked his dream home(first) in April 2013 from a reputed builder which costs Rs. 35Lakhs. He applied for Rs. 24Lakhs loan 8EB5B562-CEC4-436D-8FEC-43DB12BA80FA which got sanctioned in May 2013. Mr. Pankaj's moved into his house in February 2014. Suppose the tax paid for the financial year 2013-2014 is 1,90,000.

Mr. Pankaj's deduction under section 80C is Rs. 1Lakh.

So the computation of income tax for the assessment year 2014-2015 is as follows:

  • Income from Salary: 12,00,000
  • Deduction under Section 80C: 1,00,000
  • Deduction under Section 24(b): 1,50,000
  • Deduction under Section 80EE: 40,000
  • Taxable income: 9,10,000

So, Mr. Pankaj can save tax on Rs. 40,000 additional to Rs. 1.5L.

Conclusion:

Section 80EE was introduced to boost the housing sector, if you are eligible, go for it, declare and save tax on the interest paid.

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With the growing internet availability most of the people are now relying on online services, whether it is shopping, ticket booking, job search or even for ordering food.

In this internet revolution photo printing is not an en exception. With the availability of cheaper digital cameras, online photo printing services got many takers in recent years.

Advantages over traditional Photo Studios or Colour Labs

Main advantage with these online services are you can upload photos directly from your computer and save it for later use(or even share it with friends or family members). You have many customization options available such as size selection, finish selection, cropping, auto-enhancements etc. Most of these online services provides an option to pay online, so once the order is placed you will get the prints at your door step in couple of days!

Selecting an Online Photo Printing Service

Main things to consider while selecting a printing service are:

  • Print Quality - Quality depends on the photo paper they use(Kodak, Fuji etc.), automatic(or manual) photo enhancements, cropping etc.
  • Photo Uploading options - Some providers allow uploading multiple photos simultaneously, with proper error handling, photo preview etc. This is really useful when you are ordering large number of prints.
  • Payment options - Online payment via Debit/Credit/Net Banking, Cash on Delivery etc.
  • Processing Time - 1 to 3 days is the normal processing time but delivery may take another 1 to 5 days depends on the geographical location of the order.
  • Pricing - Go for quality, find a service which is less priced but provides good quality prints delivered in 2-4 days.
  • Customer Care - As in every online service, customer care is most important in online printing too. Support should be available over phone, you need this when you are stuck at online payment or the order B0248B7C-14F2-46A2-BEE6-A622C44D5493 getting delayed with no updates from the company.

ZOOMIN

Zoomin is one of the popular photo printing service(along with other services such as personalized gifts, photo books, photo magnets, photo mug etc.). They offer professional service with affordable prices.

Pricing - Regular Size

Size Price per print
4x6 Rs. 6.00
5x7 Rs. 9.00
6x6 Rs. 10.00
6x8 Rs. 15.00
8x8 Rs. 30.00
8x10 Rs. 40.00

GK Vale & Co

A Bangalore based company with over 100 years of experience in photography is a single source for all photography needs.

Pricing - Regular Size

Size Price per print
4x6 Rs. 4.99
6x4.5 Rs. 4.99
5x7 Rs. 9.99
6x8 Rs. 11.99
6x9 Rs. 15.99
8x10 Rs. 49.00

itasveer

Started by four IIT Delhi alumni in 2006, itasveer has been into online photography and digital printing, providing quality service to its customers.

Pricing - Regular Size

Size Price per print
4x6 Rs. 3.99
5x7 Rs. 6.90
6x8 Rs. 15.00
8x10 Rs. 39.00
8x12 Rs. 49.00

Picsquare

Picsquare is a leading online photo service in India with head quarters in Bangalore.

Pricing - Regular Size

Size Price per print
4x6 Rs. 5.00
5x7 Rs. 14.00
6x8 Rs. 12.25
8x12 Rs. 48.00

Snapfish, an HP company stopped its services in India in 2013, which was once a leader in digital printing.

Some other online photo printing providers in India are Canvera, SnapGalaxy etc.

Conclusion

Select an online service based on your needs, upload photos and order prints. Share with us your feedback on the overall experience including the quality of the prints...

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No time to visit Gas agency to link your Aadhaar card with your LPG connection?

Don't worry, UIDAI has developed an easy to use framework called RASF(Remote Aadhaar Seeding Framework) where you can link(a.k.a. seed) your Aadhaar with beneficiary identities such as LPG Consumer Number, Ration Card Number etc.

How to access RASF?

Click here to open RASF portal.

What is the process to link my Aadhaar number with my LPG Connection?

Its simple, before starting, keep the following information handy:

  • Name of your gas agency
  • Your gas consumer number
  • Your mobile number
  • Your email address
  • Your Aadhaar number

Now open the RASF portal and click on 'Start'.

Select your state, then city. Now select benefit type as LPG.

Select your LPG provider: BPCL for Bharat Petroleum(BP), HPCL for Hindustan Petroleum(HP) and IOCL for Indian Oil(Indane). Now select your distributor from the drop-down and enter your consumer number.

Finally enter your email address, mobile number and your Aadhaar number. Click on Submit to submit the details.

On successful submission you will receive a one time password(OTP) on your mobile. Enter the OTP and the captcha code and click on Save.

That's it! You have submitted your seeding request to UIDAI! Please note, submission does not mean linking is done. An authorized person will verify the details and approve or reject the request 28EC457C-B9F7-4340-A273-EA039EEE5E59 based on the correctness of the data provided.

Not yet enrolled for Aadhaar?

Click here to know how to get an Aadhaar card for you and your family members.

Conclusion

We hope you find this information useful. Feel free to drop your comments and suggestions for improvement.

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Stock market is a place where you can make huge profit in short span of time but at the same time your entire capital may get locked if not invested properly.

People fails in Stock Market mainly because they do not follow any rule. They do not have any discipline in their investment, does the same mistake again and again and finally comes out of stock market with huge loss.

If you study the stock market closely you can find that the stock market gives good returns in the long term. A steady and disciplined approach makes every investor rich. Only brokers will be benefited in panic buying and selling.

In this article we have listed 15 golden rules every investor must follow to become a successful investor.

Rule 1 - Follow your rules

Every investor forgets about his rules when the market is volatile. So the first rule is never act against your rules, strictly follow them.

Rule 2 - Invest, do not trade

New investors finds it difficult to understand the difference between trading and investing. Trading is a very short term investment, normally buys and sells shares on the same trading session but in huge volume. Traders never consider the fundamentals of a stock but only looks at the charts for certain patterns to buy or sell. Never look at trading tips and invest in those shares, those are not for you.

Rule 3 - Prepare an investment framework

This is the first step in a disciplined investment plan. Short-list fundamentally strong companies, record them on a paper or a spreadsheet, group them sector wise. Track the performance of these companies time to time, note down the results, growth plans, future expansion plans etc.

Rule 4 - Do proper technical and fundamental analysis

It is always advised to invest in fundamentally strong companies. Do proper analysis before investing in a script, update the details on your script list time to time.

Rule 5 - Revise your investment framework periodically

Based on the company performance and government policies, add companies to the list or remove them from the list. Do not keep too many scripts in your list, this will make your task difficult.

Rule 6 - Control your emotions

Never buy or sell according to your emotions. Always keep your rule book above your emotions.

Rule 7 - Never borrow fund

Invest only if you have enough funds in hand. Never ever borrow money for investment purpose.

Rule 8 - Keep a stop-loss and a target

Always keep stop-loss and target for your investments. Close your positions on hitting stop-loss and at the same time book profit on reaching target.

Rule 9 - Book your profit

Don't be greedy, book your profit on reaching your target. Wait for next investment opportunity. You may keep changing your target based on the script performance.

Rule 10 - Invest in multiple sectors

Market reacts heavily to news and government policies, investing in multiple sectors will protect your fund in a volatile market. Also a diversified portfolio preserves your portfolio value d993e19f-dea8-45d3-8375-4f43322de030 against a sudden fall in any of the sectors you are invested in.

Rule 11 - Never buy for dividend

Common mistake done by investors is they buy shares for dividend, thinking of short-term tax-free profit. If the dividend announced is high, the share value may fluctuate heavily and on the ex-dividend date, the dividend amount will be washed off from the share price, and finally end up in loss.

Rule 12 - Buy when down, sell when up

Be patient, never buy a script when it is up, wait for the share to settle down. Wait for an opportunity to get in.

Rule 13 - Invest in small chunks

Even if you have huge amount in hand, don't invest the whole amount together, wait for an entry point and invest in small chunks. Or you may go for SIP(systematic investment plan) a fixed amount is invested on multiple scripts at periodical intervals.

Rule 14 - Do not blindly follow brokerage houses nor analysts recommendations

Brokers get commission for each buy and sell, they really don't care whether you are making money or not.

Rule 15 - Never invest in penny stocks on seeing 'only buyers' alert

Penny stocks are traded in huge volumes, you will be tempted to buy these shares by seeing 'only buyers' or '20% up' alerts on various news sites. Do not invest on these shares unless you have enough information about the company on their developments, otherwise your funds will get locked for years.

Conclusion

Once again, create an investment framework and invest in high quality stocks in a disciplined manner, strictly follow your rules, success is on your way! Happy investing!

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You can avail home loan top-up for your immediate financial needs such as interior decoration, purchase of furniture, home repair work or even for your personal needs such as marriage or your children's education.

Top-up loans are available only for those who are already repaying a home loan. Also the eligibility is calculated based on different parameters such as your outstanding loan amount, your re-payment capacity and the market value of your property.

Another important factor is your repayment history. If you are a defaulter don't even think of applying for a top-up loan.

The process is quick if you are applying for a top-up in the same bank where you availed your home loan. Otherwise you will have to repeat the process you have done for your home loan.

For top-up loans interest rate is much lower compared to personal loans. For State Bank of India, the interest rate is 11.25% at the time of writing. Also SBI offers top-up up to 2 Crores but the home loan availed should be at least 1 year old.

Also there is no re-payment or pre-closure penalty! You can apply for top-up even if you have up to two home loans in your name.

Private sector banks such as HDFC and ICICI Bank(the scheme is known as Home Plus) also offers home loan top-up, but eligibility criteria and other terms and conditions may differ. Contact your financial adviser or your bank to know more details on top-up loans.

Keep in mind that there is no tax benefits like home loans for these top-up loans except in cases where the amount is used for property acquisition.

Normally for top-up loans the payment tenure is same as the home loan tenure. Pre-payment may attract some penalty.

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