Click Here To Find Out More About:

Understanding The Home Loan Tax Benefits As A Borrower

by

Aishwarya Mahurkar

After traversing the long and tiring process to ensure home loan eligibility and approval, most borrowers will be pleased to know that there is a time to reap the rewards. While opting for home loans , you also get significant tax deduction, which is of great help if you are paying a huge amount of income tax or if you are making considerable investments to avoid it. While this is a boon in most cases, it is essential that users understand all the different factors that come into play with this properly:

How to get tax rebate on home loans

When you buy a home by selecting the best home loans in India , you are in a great position to get a major discount on income tax from the year you start paying the EMIs. The basic process is that the principal amount is added to 80C limit of Rs. 1 lakh of tax savings. The amount of interest paid is deducted under section 24B; limit up to Rs. 1.5 lakh of tax savings.

YouTube Preview Image

Joint home loan & income tax

If you and your partner have taken the home loan as applicant and co-applicant; then it is best to use this fact beneficially in your income tax return papers. The repayment of principal amount and the interest should be divided amongst the two as paid. Then, those respective amounts can be added in your income tax returns filing. It allows both of you to get some tax deduction. This tax rebate does come in handy as you are already paying a significant amount as your monthly EMIs. However, the only constraint here is that you should also be an owner or a co-owner in the property, where you are a co-applicant.

Home loan & HRA

A lot of employees take advantage of the house rent deduction from their income while paying the income tax. Some of these people believe that they cannot make use of this facility once they start paying the EMIs for their housing loan. However, that s not accurate. You can continue to take the advantage of this service as long as you can establish that you still need two homes; rented and owned and they both are in two different geographical areas. This is a great way to minimize your income tax due.

Are there any other ways to enjoy the tax rebate? Well, there are, though they are extremely case specific. In other words, the rules and regulations of income tax rebate based on home loans are different for investors, property owners who rent it and commercial properties. So, seek advice from your income tax consultant before you file your income tax returns and ask specific questions to make the most of this facility.

Aishwarya Mahurkar is an experienced writer concerning the finance industry. Her articles help in informing her readers of the

best home loans in India

and the

opting for home loans

.

Article Source:

ArticleRich.com



09 21st, 2014

theguardian.com, formerly known as Guardian Unlimited and guardian.co.uk, is a British news and media website owned by the Guardian Media Group. Georgina Henry, who died in February 2014,[2] was appointed editor in 2011.[3] It contains nearly all of the content of the newspapers The Guardian and The Observer, as well as a substantial body of web-only work produced by its own staff, including a rolling news service.

As of May 2013, it was the most popular UK newspaper website with 8.2m unique visitors per month, just ahead of Mail Online with 7.6m unique monthly visitors.[4]

The site is made up of a core news site, plus a network of niche websites covering subjects including media, environment and technology, sport, education and the public sector. theguardian.com is notable for its engagement with readers, including long-running talkboards and, more recently, a network of weblogs. Its seven blogs were joined on March 14, 2006, by a new comment site, Comment is free (see below), named after the famous quote by The Guardian editor, C. P. Scott. Articles (like the talkboards until their sudden closure on 25 February 2011) accept comments without pre-moderation, although posts on Comment is Free are moderated after the event. All now require registration for comments.

The site can be viewed for free and without registration, though some services such as leaving comments on articles require users to register.

In March 2009, guardian.co.uk launched their API, using the OAuth protocol, and making a wide range of Guardian content available for use by web application developers.[5]

theguardian.com is part of the Guardian Media Group of newspapers, radio stations, and new media including The Guardian daily newspaper, and The Observer Sunday newspaper. All the aforementioned are owned by the Scott Trust, a charitable foundation which aims to ensure the newspaper’s editorial independence in perpetuity, maintaining its financial health to ensure it does not become vulnerable to takeover by for-profit media groups, and the serious compromise of editorial independence that this often brings.

guardian.co.uk was launched in 1999, born of the Guardian New Media Lab. Its popularity soared after the September 11 attacks in the United States in 2001, largely thanks to the diverse range of viewpoints published in the Guardian newspaper.[citation needed] The website won the Best Newspaper category in the 2005, 2006 and 2007 Webby Awards, beating the New York Times, the Washington Post, the Wall Street Journal and Variety.[6]

In 2006 guardian.co.uk reported its first profitable year, with income coming mostly from recruitment and display advertising.[7]

In May 2007, guardian.co.uk begun an 18-month programme of redesigning and adding features to the entire website, starting with the travel section, then moving through the rest of the site and the front page, finally updating the blogging and community features.[8]

On July 30, 2013, the website was moved from guardian.co.uk to theguardian.com as part of increasing investments to grow globally.[9]

The Guardian?s sports section is a popular and well-respected web site, providing news, results, match reports and live commentaries from a host of different sports.

theguardian.com/sport has pioneered the online newspaper industry in the United Kingdom with its live coverage of sports, including live text commentaries of 115 Premier League football matches and every FIFA World Cup match. The site also provides some live coverage of the FA Cup, Champions League, Europa League and the occasional La Liga, League Cup and playoff games.

“Guardian America” was an American version of the British news website Guardian Unlimited. The strategy, intended to win more US-based readers, was abandoned in October 2009. Guardianamerica.com now redirects to the website’s United States topic page.

Much of the content on Guardian America was taken from Guardian Unlimited and The Guardian, although some content was produced specifically for Guardian America.

Comment is free is a comment and political opinion site within theguardian.com. It contains the comment and opinion pieces from The Guardian and The Observer newspapers, plus contributions from more than 600 other writers. The site is edited by Natalie Hanman;[10] its subsite devoted to religious affairs, Cif belief, is edited by Andrew Brown. It was launched on March 14, 2006,[11] with Georgina Henry as launch editor. The original technical design and build was by Ben Hammersley, based on the Movable Type blogging platform. Latterly, Cif runs on a bespoke Guardian-made system, using Pluck for the commenting.[12]

The site’s name is derived from a sentence in a famous essay written by veteran Guardian editor C. P. Scott: “Comment is free, but facts are sacred.”

The site strictly enforces its talk policy by moderating comments after posting.[13] For particularly sensitive topics, comments may be moderated before posting.[14] Moderators may remove posts that violate the “Community Standards” (usually leaving a marker of the removal), but do not edit them.[14][15]

theguardian.com is one of the world’s leading online newspapers, becoming the first UK newspaper to attract more than 25 million unique users in a month (October 2008).[16] On 7 July 2005, following the London bombings, 1.3 million unique users visited the site and a total of 7.8 million pages were viewed, at the time a record for guardian.co.uk.[17]

As of August 2010 it was the second-most popular UK newspaper website after Mail Online, getting almost 34.6 million unique users monthly, and 13.7 million unique British users monthly.[18] By May 2011 it reached 2.8m unique visitors per day, and 51.3m per month, behind the MailOnline’s 4.4m and 77.3m.[19] As of May 2013, using National Readership Survey and comScore’s statistics, it was the most popular UK newspaper website with 8.2m unique visitors per month, ahead of Mail Online with 7.6m unique monthly visitors.[4]

The awards were created in 2008.[20]

In addition, the 2011 award of “Political Journalist of the Year” to The Guardian’s Andrew Sparrow “was significant because it was a recognition of the impact of his general election live blog – a reward for innovation as well as reporting.”[21]

In 2009 it was nominated for (but did not win) a Webby Award for “Best Copy/Writing”.[22] However, the subsite Cif belief was nominated for, and won, the Webby in the best religion and spirituality site category.



Friday, April 3, 2009 

Quiznos, a fast food restaurant chain that specializes in selling submarine sandwiches, has aired a controversial television commercial, with an extended version only appearing in the late-night lineups. The commercial is a promotion for the company’s new sandwich, the ‘Toasty Torpedo’. Bob Sassone, a writer for TVSquad.com, argues that it is homosexually themed and compares it to pornography.

The commercial begins with a toaster oven talking to Scott, a Quiznos sandwich maker, in a male voice. “Scott, I want you to do something,” says the toaster to Scott. As he takes a bite of a Torpedo and appears to look in the direction of his genitals, Scott says to the toaster, “[sic] not doing that again. That burned.” The toaster replies, “We both enjoyed that.”

Later in the commercial, the toaster asks Scott to make one of the sandwiches and says the price of it is “sexy” and then “sexier.” Scott grins and does so. The toaster then asks Scott to “stick it in me”. The sandwich just happens to be 12 inches long, giving the appearance of a special relationship between Scott and the toaster oven.

Quiznos published a press release on March 24 announcing the new line of sandwiches. They stated that their price of US$4 helps to ease the economic pinch. In a statement to Wikinews Quiznos stated that their commercials are within the company’s character and they were designed to get people talking.

“We developed our new ads to be consistent with the Quiznos brand and to get people excited about our new Toasty Torpedoes. Some of the ads are edgy and provocative, but they’re well within the confines of the Quiznos brand character,” said Rebecca Steinfort, chief marketing officer for Quiznos to Wikinews.

“Since Quiznos has a broad range of consumers that eat at its more than 4,500 restaurants nationwide, we tailor our commercials to be relevant and appeal to our diverse customers – all of whom are watching different kinds of programming. The new ads are fun and entertaining, and the edginess and innuendo of the ads are designed to get people talking about our new Toasty Torpedoes, and that’s exactly what we want: people to talk and taste our new sandwiches,” added Steinfort.

Bob Sassone a writer for TVSquad.com, one of the Internet’s top television weblogs, compared the commercial to a pornography film.

“The new Quizno’s commercial is probably the closest we’ll get to a gay porn flick in a mainstream sub shop ad,” Sassone wrote.

In 2007, the company made another controversial commercial. It featured people on the street eating samples of a Quiznos ‘Prime Rib Dinner’ sandwich. They promoted it as having a lot of “meat” and near the end it featured two women eating a sandwich saying, “It’s not lacking any meat. And that’s what real women need”.

“Nevertheless, Quiznos remains committed to providing its customers with high-quality ingredients at everyday lower prices, all with excellent service. As such, we encourage consumers to give feedback on the commercials to our corporate marketing department through the website,” said Steinfort.



Thursday, June 12, 2008 

Stephen Harper, Canada’s Prime Minister, apologized on behalf of the Canadian Government for its role in the Indian Residential School System in front of Aboriginal Leaders, elders, and more than 1000 outside the Parliament Building. Harper proclaimed, “The treatment of children in Indian residential schools is a sad chapter in our history. Today, we recognize that this policy of assimilation was wrong, has caused great harm, and has no place in our country.” This apology was seen at more than 30 event around the country, and broadcast live on CBC Newsworld and CTV Newsnet.

The residential school system was created based on the Gradual Civilization Act (1857) and the Gradual Enfranchisement Act (1869), which assumed the superiority of British Ways, prompting the need for Aboriginals to become “civilized” by becoming English-speakers, Christians, and farmers. The funding of the schools was provided by the Indian Act (1876) and by the federal government department, Indian and Northern Affairs Canada, and operated with the support of churches, generally the Roman Catholic Church and the United Church of Canada.

In the 1920s, attendance became compulsory for all children aged 6 to 15, and families who refused to cooperate were at risk of having the children removed by the government, and the parents sent to prison. The school systematically tried to destroy the aboriginal language and way of life, raising the idea of cultural genocide. Students were forbidden to speak their native languages, even outside the classroom, as to install the English or French language (and as result, to “forget” their native language), punishable by unreasonably severe corporal punishment. Practicing non-Christian faiths was also punishable by corporal punishment.

In the late 1990s, allegations of sexual abuse, as well as several physical and psychological abuse, arose, leading to large monetary payments from the federal government and churches to former students. The government also established the Aboriginal Healing Foundation, providing $350 million to fund community-based healing projects, and provided another $40 million in 2005.

On February 13, 2008, Australian Prime Minister Kevin Rudd made a similar apology in the Australian House of Parliament.

On June 21, 2008, Indian Residential School Museum of Canada is scheduled to open on Long Plain First Nation, near Portage La Prairie, Manitoba.



Click Here To Find Out More About:

By Greg Garner

Some have commented that it is the medical profession that has replaced the gods of ancient time, and this observation has its roots in the perceived degree of awe and reverence that healthcare workers are afforded. Indeed, there is a great deal of truth in this observation, for the healthcare worker will have a considerable amount of knowledge and experience, which they use to heal and help people.

Indeed, it would seem that healthcare professionals are also capable of performing a few miracles of their own, resurrecting people from the dead, successfully performing a highly risky surgical procedure, and generally improving the quality of the lives of their patients.

However, as powerful and helpful as the medical profession in all its various guises is and can be, we, the average man and woman, need to take responsibility for our own health. If truth be told, if each and every person was willing to implement just a few small changes to their daily routine, they would be able to improve their health and save the healthcare system a significant amount of strain.

In the Western world, where we want for nothing, and where food is readily available, we actually end up enduring health complaints which are unheard of in the so called 3rd world. Why? Because they do not have the option or the luxury of being able to gorge themselves with an orgy of food, which is saturated in refined sugars and saturated fats.

YouTube Preview Image

Therefore, it is incumbent upon us to ensure that we take proactive steps to ensure that we do step up and ensure that we do our bit to improve our own health. Remember, prevention is always better than the cure.

The following is intended as a breakdown of some issues to be aware of when trying to maintain optimal health levels.

Reduce Smoking

If you are a non-smoker, congratulations! You have spared yourself from a variety of deeply unpleasant, highly painful, and potentially fatal health problems such as strokes, heart disease, impotence, loss of libido, lung and larynx cancer to name but a few.

There has been a significant amount of research conducted into the precise effects that smoking has upon the body, and the results have been nothing short of alarming.

Specifically, a heavy smoker, i.e. a smoker who routinely smokes more than 20 cigarettes a day, will increase the chances of them acquiring lung cancer by more than 50 times the level of risk that a non-smoker will face.

Due to the abrasive nature of the cigarettes, and specifically, the elements included in them, there is a heightened risk of developing cancer and this is due to the fact that many of the chemicals included in cigarettes are carcinogenic agents.

The mortality rate associated with lung cancer is astronomically high, and specifically, there have been reports that only 10% of all lung cancer patients will ever be ‘cured’ of the condition. Please note that this does not mean permanent cure, it simply means that the patient has managed the disease, it’s been inactive for a minimum of 5 years.

About the Author: For more information please visit our HIPAA Training website –

hipaaexams.com/hipaa-training.html

or First Aid Training websites –

firstaidexams.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=695349&ca=Wellness%2C+Fitness+and+Diet



Monday, January 18, 2010 

The Benet Academy Redwings boys basketball team defeated the Oswego High School Panthers 40–34 Saturday night at Benet’s historic Alumni Gym. 

Located at Lisle, Illinois, United States, the gymnasium is home to Benet’s winning streak of 102 consecutive home games. The statewide record lasted from November 26, 1975 until January 24, 1987, when Naperville North High School defeated the Redwings 47–46. Benet also achieved 96 consecutive victories in the Western Suburban Catholic Conference at that time. 

The school continued to use the facility, colloquially referred to as the “Old Gym” or the “Small Gym”, until the end of the 1994 season, when a newer athletic center was built on campus. It wasn’t until the late 1990′s when then-coach Marty Gaughan decided to play one game per year in the Alumni Gym to remind the school of its history. “There is just an electricity, and you feel it when you are in there,” said Gaughan, who coached the team from the 1989–1990 season to the 2007–2008 season. 

This tradition continued until the 2006–2007 season, when the Redwings played against long-time rival St. Francis High School. Renovations prevented the gym from being used for athletic events over the past two seasons. This game was Benet coach Gene Heidkamp’s first opportunity to coach in the older gym. “So much history and winning has taken place there, which makes it so special. It is something the entire school community is excited about,” said Heidkamp. 

Saturday’s game was played at the Alumni Gym at the request of Oswego assistant coach Jim Bagley. He wanted his son, senior forward Chris Bagley, to experience the same atmosphere he had as he played for Benet in the 1978–1979 season. Greg Kwiatkowski was also Jim Bagley’s teammate in Benet, and his son, Joe Kwiatkowski, was in the Panthers’ starting lineup as well. “Two of us who played at Benet together and now our son’s play on [Oswego] together and for them to have a chance to play where we played is going to be a great night and great experience,” said the senior Bagley. 

Alumni Gym apparently still had its charm in the second half for the Redwings, whose 15–17 score at halftime worsened into an 11-point deficit in the third quarter. Benet fell behind with a score of 21–29 at the start of the fourth quarter. From that point, the Redwings’ defense began to kick in. Oswego could make only 2 of its 13 field goals in the third quarter. Benet’s offense also gained momentum as center Frank Kaminsky scored all of his 9 points in the fourth quarter. A shot by senior Mike Runger brought the score to 31–31, and two consecutive driving layups by David Sobolewski gave Benet the lead that would last for the rest of the game. 

“We hit a dry spell there, but let’s give credit where credit is due. Defense wins games and they are the best defensive team we’ve faced all year,” said Oswego coach Kevin Schnable.

Benet’s Matt Parisi led his team with 15 points, and Sobolewski scored 12. Oswego’s Andrew Ziemnik also scored 12. 



Monday, August 27, 2012 

London, England — As Paralympians ready for the Games which are set to open later this week, they have access to a world class fitness center inside the Paralympic Village which is designed to maximise their pre-Game preparations.

According to volunteers staffing the center, instead of being a single large room, as in Beijing, the building has numerous rooms. It, along with the adjacent Village Services Centre, is designed to be converted into a school after the games conclude. Rooms have been structured as a gym, an auditorium, and science laboratories.

Gym equipment is supplied by Technogym, an Italian firm that has supplied gym equipment for the Olympics since 2000. Equipment has been provided not just for for the Fitness Centre, but for gyms at all the Olympic venues. The newest equipment is oriented toward maximum flexibility, allowing athletes to exercise the particular muscles that they most require for their sport.

In addition to the equipment, the Fitness Centre also provides instructors trained in the use of the equipment, the likes of which athletes from many countries have never seen before. There are also a number of instructors available to provide motivational training.



Monday, August 27, 2012 

London, England — As Paralympians ready for the Games which are set to open later this week, they have access to a world class fitness center inside the Paralympic Village which is designed to maximise their pre-Game preparations.

According to volunteers staffing the center, instead of being a single large room, as in Beijing, the building has numerous rooms. It, along with the adjacent Village Services Centre, is designed to be converted into a school after the games conclude. Rooms have been structured as a gym, an auditorium, and science laboratories.

Gym equipment is supplied by Technogym, an Italian firm that has supplied gym equipment for the Olympics since 2000. Equipment has been provided not just for for the Fitness Centre, but for gyms at all the Olympic venues. The newest equipment is oriented toward maximum flexibility, allowing athletes to exercise the particular muscles that they most require for their sport.

In addition to the equipment, the Fitness Centre also provides instructors trained in the use of the equipment, the likes of which athletes from many countries have never seen before. There are also a number of instructors available to provide motivational training.



Click Here To Find Out More About:

Getting Unsecured Loans With Bad Credit Can Come Down To The Right Loan

by

Fedirico Ball

As a borrower with poor credit history, you may be having a hard time finding the right loans for your needs. This is the consequence of your past repayment difficulties, which means getting an application approved with be harder than before. But there are affordable bad credit loan options available to people, and the only way to find these offers is by comparing multiple lenders online.

The reason why non-traditional lenders are accepting low credit score applications is because they no longer consider these borrowers as high risk. Due to the financial crisis in the recent years, many people have been facing difficulties repaying their cards and loans. As a result, it became more difficult to get approval without any collateral.

YouTube Preview Image

Collateral is a huge aspect that provides the lender security should the borrower become unable to repay his debt. If you don\’t have any assets to use as collateral, you may wish to consider applying for an unsecured loan. However, you will need a very strong application because of your poor repayment history. Such application includes your employment status and debt-to-income ratio.

When seeking unsecured loans, your income must be sufficient to meet the repayments. Despite your low credit score, it is still necessary to provide proof of minimum 6 months of employment by showing your wage slips. Some lenders may also ask for your social security number through which they can obtain the required information.

Perhaps the most important part of your application is whether the amount of your disposable income is enough to repay the debt. The ratio is calculated based on repayments of 40 percent or lower. If this percentage exceeds, it will be impossible to get an approval. The best way to improve your chances of an approval is to work on your DTI. You can do this by paying off your existing debts such as credit cards in order to lower your monthly outgoings.

The interest rate charged by the non-traditional lender will be higher as your score is low. However, once you start paying off your existing debt, your score will increase and getting an approval will then get easier. Once you have taken all these steps in improving your chances of getting an unsecured loan, you are now ready to include a co-signer in the application. A co-signer is a guarantor who agrees to make repayments should you be unable to. The guarantor will help the lender reduce the risk to lend you the money, and may even lower the interest charged.

Even if you have had, or are now faced with some worrisome or severe credit issues we have

bad credit personal loans

to meet your needs. Visit us now for

bad credit personal loans

, an easy online application, and fast approval.

Article Source:

ArticleRich.com



Monday, January 18, 2010 

The Benet Academy Redwings boys basketball team defeated the Oswego High School Panthers 40–34 Saturday night at Benet’s historic Alumni Gym. 

Located at Lisle, Illinois, United States, the gymnasium is home to Benet’s winning streak of 102 consecutive home games. The statewide record lasted from November 26, 1975 until January 24, 1987, when Naperville North High School defeated the Redwings 47–46. Benet also achieved 96 consecutive victories in the Western Suburban Catholic Conference at that time. 

The school continued to use the facility, colloquially referred to as the “Old Gym” or the “Small Gym”, until the end of the 1994 season, when a newer athletic center was built on campus. It wasn’t until the late 1990′s when then-coach Marty Gaughan decided to play one game per year in the Alumni Gym to remind the school of its history. “There is just an electricity, and you feel it when you are in there,” said Gaughan, who coached the team from the 1989–1990 season to the 2007–2008 season. 

This tradition continued until the 2006–2007 season, when the Redwings played against long-time rival St. Francis High School. Renovations prevented the gym from being used for athletic events over the past two seasons. This game was Benet coach Gene Heidkamp’s first opportunity to coach in the older gym. “So much history and winning has taken place there, which makes it so special. It is something the entire school community is excited about,” said Heidkamp. 

Saturday’s game was played at the Alumni Gym at the request of Oswego assistant coach Jim Bagley. He wanted his son, senior forward Chris Bagley, to experience the same atmosphere he had as he played for Benet in the 1978–1979 season. Greg Kwiatkowski was also Jim Bagley’s teammate in Benet, and his son, Joe Kwiatkowski, was in the Panthers’ starting lineup as well. “Two of us who played at Benet together and now our son’s play on [Oswego] together and for them to have a chance to play where we played is going to be a great night and great experience,” said the senior Bagley. 

Alumni Gym apparently still had its charm in the second half for the Redwings, whose 15–17 score at halftime worsened into an 11-point deficit in the third quarter. Benet fell behind with a score of 21–29 at the start of the fourth quarter. From that point, the Redwings’ defense began to kick in. Oswego could make only 2 of its 13 field goals in the third quarter. Benet’s offense also gained momentum as center Frank Kaminsky scored all of his 9 points in the fourth quarter. A shot by senior Mike Runger brought the score to 31–31, and two consecutive driving layups by David Sobolewski gave Benet the lead that would last for the rest of the game. 

“We hit a dry spell there, but let’s give credit where credit is due. Defense wins games and they are the best defensive team we’ve faced all year,” said Oswego coach Kevin Schnable.

Benet’s Matt Parisi led his team with 15 points, and Sobolewski scored 12. Oswego’s Andrew Ziemnik also scored 12.