Social challenges against Government of India:

Often, it’s difficult to get rid by truth. In this 21th century, We, Indians life are mazy around the social challenges. Since independence, poverty, starvation, corruption, illiteracy, Inflation, crime, Communalism and Violence issues are deep rooted in our Indian society. Eventually, when unwanted or undesirable situation creates in front of society or section of society which harm, obstruct the growth and ruined the basic rights of people is recognized as the Social issues or social challenges.

India is an ancient country with 5000 year old civilization. Thus, our society is a mix of sundry people, cultures, beliefs and languages. Longstanding ‘saying’, there is unity in our diversity. 

No doubt, India is among one of the fasting growing economy in the world.  However, on the contrary, human growth scenario is completely different. Corruption reached on its Zenith which leads to all other major social issues. Gradually, rich are getting richer and the poor get poorer, massive gap has been created between richer and poorer in the society.  Every second and each day people undergo with severe Social problems. Are we compelled between these issues or we became habitual of live with them? If it’s not like that, then what binds us?

In a nutshell, let’s describe some of the major Social issues or social challenges:

Poverty- it refers to a situation when large section of society doesn’t get the basic amenities and when people doesn’t have proper food or clothes or shelter. It’s a leading concern which seems like a never-ending issue.  Indian Planning Commission’s 2013 data shows approximately 269 million people compelled to live under the poverty line.  Indeed, illiteracy leads to poverty and we should understand education is the biggest tool to fight against poverty. Now, for our governments, it’s time to show some sincerity, become accountable among the people and take strong action against Poverty. Alongside, Quality education must be approachable at all parts of the society especially among the poor.

Illiteracy and Unemployment- in India, English speaking people numbers are the biggest in the whole world. Despite, quality education lags far behind. Ironically, label of quality education in government schools keeps below the mark. Somewhere, most of social issues are interconnected to each other. See, Illiteracy gives Birth to the Unemployment, and this turns towards poverty and sometime poverty forced to do crime.   Basically, Illiteracy refers to Inability to read and write. In fact, it’s a biggest barrier in the country growth and a main the hurdle in employment. Hence, government needs to enforce free education strictly and make it mandatory to every citizen from richer to poorer. Once we get start educated, several doors of employment will open instantly. And, to be sure, Indians will no longer unemployed.

  

Inflation - remains a matter of concern between lacs of middle class families. Imposing unusual taxes and uncontrollable corruption hampers the daily life of common man. Longstanding, Inflation issue keeps on the top priorities in election manifesto’s of almost all political parties. And, we all know very well, how quickly they take U-turn on their pole promises. Ironically, inflation stills an unsolved riddle, for our politicians. Somewhere, this concern often brings people on the street to protest against government irresponsibility and miss-governance. In addition, government’s have insufficient policies to control and to fix the prices of necessary products in the markets. Moreover, there is huge Lack of control and social awareness over government spending, holding stocks in illegal way by Brokers also causes price rise.

Health care system - while visiting any hospital, we can experience long queue of people to wait for their chance. Heath care industry achieves lot in terms of technology. Plethora of cutting-edge equipment can be is easily seen in the hospitals. Despite, quality healthcare still far away from the common man, huge shortage of government hospitals people faces. Issues such as; Sanitation and cleanliness often noticed in the hospital. Ironically, middle class people are compelled to face severe problems in these circumstances. Undoubtedly, private hospitals are well-equipped in each aspect but middle class can’t afford them often.  On the contrary, in a surprise move, Delhi government introduced the innovative and effective Mohalla clinic concept in the capital. Accordingly, they aim to step-up well-equipped Mohalla clinic in each society of the capital to provide quality health care and to resolve over-crowed situation of Hospitals.

Water crisis- recent study reveals, around 33 Croce people facing severe water crisis in the country.  And, Latur (Maharashtra) is the biggest victims among all. Alongside, Rajasthan, Maharashtra, Madhya Pradesh, Telangana Suffered by drastic drought situation.  It’s quite unfortunate that most of our traditional water resources such as; ponds, canals, rivers, wells, river, has been dried up. Alongside, Year by year, inadequate amount of rainfall affected the agriculture badly. Ultimately, people are forced to migrate into cities. Sorry to say, but somewhere situation has been so critical and out of control. Regardless, whatever the situation we have, on a positive note, we need to get back our all water resources through water conservation and rain water harvesting. Mean to say, we have to reviving our traditional water resources once gain to fight back against water crisis.

Corruption- in past some years, scams such as; 2G scam to the Coalgate scam, CWG scandal to the Bofors scam sucked the public money badly. In 2012, Anna Hazare's anti-graft movement has once again gripped the nation. Indeed, that anti-corruption revolution Awaked and realized us how we all are highly affected by corruption and how politicians took above 1 lac Croce of black money in Swiss bank.  Our opportunistic leaders already have done big damage to our country. We all know how they misused the powers and plundered public tax money. Longstanding, middle class is biggest victims of corruption. As soon elections comes closer, each political party start blaming each other, but no action. From babus to top ministers, all have been involved in various scandals.  Somewhere, a ray of hope still left, Corruption can be control. Hence, government should bring effective rules and laws against corruption, and they should bring transparency in the governance so that public could keep on eyes on them.  Our politicians need learn to be accountable for their role, so that, we could justify India a real democratic country.

Several way salaried people can save tax?

As soon as the end of financial year comes closer, salaried individual start worrying about how to save tax? The point is, no one wants to waste their hard earned money on tax.  Often, people choose illegal way to run away by tax. Thus, before, recognizing you as tax evaders, why don’t you consider some legal practices to save your money by tax?  Now, it’s basically up to you how to invest your money in various schemes to get the tax benefit. Talk to your employer and try to restructure your salary to get extra tax assumption. Here, we will focus on several interesting way to save tax, might be, you aware with few of them, but,  in this post, you will find some more fascinating tax saving options.

Public Provident Fund- frequently investing in Public Provident Fund account always gives tax benefit. Alongside, now you don’t have to pay taxes on interest received from Public Provident Fund investments.

EPF account- basically it’s a retirement saving plan, well-organized companies contribute to EPF account in case of basis salary less is than 15000/month. Alongside, employee also contribute equal amount in employee account. Under section 80C, you can get tax exemptions while contributing in EPF account.

House rent allowance- if you are paying rent and still not getting any HRA to your company. On the basis if given below conditions, you can claim for HRA. Under Section 80GG:

·         Real HRA

·         Rs 2,000 per month

·         10 per cent of total income

·         Rent paid less than 10% of salary

·         50% of Basic for Metro City or 40% of Basic for other City

Home Loan- if you have taken home loan you can get tax benefit on it. In 2016 budget, for home loan interest payment, the limit of assumption is increased to 2.5 lakhs.  In this way of deduction, you can save big tax money. Indeed, more home loan amount leads to more tax saving.

Medical Insurance- under Section 80D, there is provision for Deduction of Rs. 15,000 for medical insurance of self, wife and children alongside, Rs. 20,000 for parent’s medical insurance who is above 65 years.

Education Loan- if you have taken Education Loan for self, spouse or children than it will be applicable for the deduction. However, Interest which you paid on education loan is always non-taxable. Hence, summit your loan installment papers and prove while paying income tax in the year end.

Life Insurance - Life insurance is investments you pay to make sure that your beloved are not left stranded in case of some miss happening occur to you. Life Insurance premium considered another tax saving option for years.

Fixed deposits – salaried person can save tax on fixed deposit in bank which is applicable for the period of 5 years. Before maturity (5 years) you can’t withdraw tax saving FD. Senior citizens get a higher interest rate in fixed deposits policy.

Invest in Mutual fund – it has tax implications and remains one of the best ways to avoid tax, if you invest in mutual funds then you can earn profits 100% non-taxable in various criteria. Nowadays, salaried person like to invest in Mutual funds and equity to get tax exemptions.

National Savings Certificate- post office small saving scheme, like fixed deposit it’s also give fixed return with interest rate of 8.5%. It’s an old but reliable way to avoid tax. It is applicable in duration of 5 years and ten year. Under section 80C, the National Savings Certificate gives tax benefit. 

Travel Allowance- in order to reimburse the expenditure incurred on the holiday, it is given by the employer to their employee. This allowance exempted from income tax, during paying the income tax at the end of year, you just need to summit the valid proof of travel to get tax exemption.

Top 10 secrets to double your money in short span

Feeling Excited!  Well, here, we will discuss about some genuine strategies just to increase or double your money in shorter time. Smart investors often hunt for innovative ideas to park their money for instant returns.  And, if you are among one of them, then, indeed, you are at right place now.  Not only experience but novice investors could also take a smart start in terms of investment here. Before making any investment decision, everyone needs to keep aware regarding both angles of investment options. In this article we will talk about various option based on risk appetite, time frame and returns percentage, it will be up to you, which one you choose according your comfort and needs.

Here are list of some options to double your money;

Stock Market- investing in stock market is the smartest way to get instant result. If you have will-power to bear risk than indeed, Stock Market offers lot more for you. Simply, more risk more profit suits stock market. Hence, investing in trending stock could make you richer over the time.

Tax-free Bonds- in past few years, Tax-free Bonds emerged as the anticipating investing option due to tax relaxation or tax benefits on it. Basically, bonds are issued by government ventures and pay a fixed interest rate. Bonds typically yield 8%+returns. Hence, investors can double money in 8 to 9 years frame.

Mutual Funds- it bring risk itself as well, however, rate of return keep higher in comparison to other investment options. Rate of return depend on term of Mutual fund selected by the investor. Mutual funds investment generally takes 5 to 6 years to double your money.

Public Provident Fund- backed by Government of India. A long term investment, Public Provident Fund offer attractive interest rate that is totally exempted from Income Tax. It was started to encourage saving for retirement corpus. Indeed, it’s a most reliable investment option among lacs of middle-class families.

Bank Fixed Deposit- RBI currently offering 8.25% to 9.25% interest rate which doubles the money in 8 to 9 years. Eventually, it’s another reliable investment option for common people. Bank Fixed Deposits are easily obtainable by banks, private banks and company.

Gold ETFs- Gold Exchange Traded Funds offer 22% rate of return annually, old and one of the most fascinating way of double the money in around 3 years of time. To be sure, in gold investment you get ecstasy of good return in short time. In 2002, Gold Exchange Traded Funds (ETFs) was launched and became easiest ways to invest your gold. Despite, in last few years, gold lost its shine, investor still consider gold as a nice option for investment.

Clear you’re all debt- indeed; Debt is biggest obstacle while looking for double your money. Very first and major suggestion is please just get out of your all debt as soon as possible. Hence, limits your extra expenditures and desires. Otherwise, your all efforts might be waste. Often, people take it casually and later that become the big mistake of them. Indirect, but it’s a nice way to save your money till its get double.

Cut down worthless expenses and tax. Rather wasting on insensible expenses, why do not you prefer to save that money for sensible investments! Such as PF, FD etc. to avoid tax, you can park you money in National Savings, ISAs, pensions, & various Investments products.

Clear your mortgage- in order to safest and most tax-efficient investment, first just pay off your mortgage. It gives you the outstanding freedom to be mortgage-free. Once it’s paid you own it independently without paying any tax. It is tax-free; any money you pay into your mortgage is completely tax free.

Real Estate- remains one of the well-liked investment options among the investors. Not only double if you invest in fast developing location then you can get triple return as well. On the other hand, it requires big capital to invest.

Value investing – An intelligent way to trade in stock market

Value investing is the concept of buying share when its price undervalues its inherent worth.  In simple words, Buy a stock when it’s low and sell when it is high.  Indeed, Value investing is one of the best stock picking method by longtime.  Investors who desire to finding good deals then they need to consider about value investing. Foundations of value investing basically lay by Benjamin Graham and further continue and developed by his followers. Often, inexperienced investors faced two major problems before tried out for value investing; first is, they didn’t know enough regarding stocks and second, they felt stocks remains too risky thing.

When someone get deep familiarity about companies and their stocks and understands nature of companies then that can easily execute trading.  In addition, It’s a way of investing in a worth company that we assume is undervalued. In value investing, we invest in a hope that undervalued stocks in the current market but will become stronger in the future. In fact, value investing provides an opportunity to buy share on its low price to earn good profit in the upcoming days.  Value investors must know the basics such as cash flow, dividends, earnings growth and book value, all these things create major impact on a stock’s value than market factors.  In case, you think that your basics are clear or you are going in a positive direction, and still stock’s price is below its obvious price than the value investor realize this is a probably investment candidate, market has wrongly the stock value. When the market resolves its mistake the stock’s value should likely to a boost up. Undoubtedly, Value investing is an intelligent way to trade in the stock market.

There are several basic principles of value investing:

 Do your research- in the research, one need to examine the company’s history and current status before buying any share.  Indeed, you need to understand its long-term strategies, its financial structure, its consistency and its business ethics.

Diversify- do not depend on a single stock and company, its means just invest in various stocks of diverse companies to avoid sudden loss. Indeed, diversification of money in stocks matters always. Intelligent investors never put their whole money in single stocks. 

Seeks safe and steady returns- in 21th century, everyone want to make quick money. But, in stock market sometimes this attitude leads to face losses. Thus, instead of this approach, first understand the market temperament and then seeks of consistent returns, year after year.

Stick With your knowledge- buys those companies share which you know better or you feel confident about them. In this way, investors can reduce their risk percentage to losses. Simply, if you don’t aware about that particular stock then don’t invest.

Small identity, big caliber- nowadays, everyone wants to invest in big things, in hope of greater returns.  Always seeks for companies that might sell for less than they are actually worth. However, at the end such companies get success and secure the good returns. Sometimes, big name doesn’t deliver than we expected.

 A Weak Link- sometimes companies drag down its performance due to unprofitable situations. If the company sells or closes at that situation, its financials can get better spectacularly. Hence, investors who are able to indentify this position of the company then they can purchase the stock while its price is low and could see gains subsequently.

Long-lasting Demand- companies whose product and services are in demand for the longtime are expected to continue to be in demand in future as well. Hence, determine such companies to get benefit in short time.

Narendra Modi - Dynamic, dedicated and determined leader.

On may24, 2014, Narendra Modi elected as a 15th Prime Minister of world’s largest democracy, India.  He was born on 17th September, 1950 in Vadnagar, Gujarat. Earlier, he served as the chief minister of Gujarat for 14 years from 2001 to2014. He was raised in small town of Gujarat, Because of financial crisis in the family; he used to work at his father shop. He started as a tea seller on Vadnagar railway station and then Ahmadabad bus terminal. At the age of 17 year he completed his schooling, and then he graduated with a BA degree from Delhi University. Later, he got master degree from Gujarat University. At the early age, he joined RSS.

In 2014 general election, he led the BJP. First time since 1984, party got the highest majority in the election which shown how the people of the country looking for the change! Being a member of parliament form Varanasi and as a prime minister of India, his countdown has begun in 2014. In his 30minutes speech after taking oath of prime minster, he promised to fulfill the expectations of the 1.2 billion population of the country. After all, He came to the power on the plank of development and to set the example of good governance, earlier which he has done in Gujarat under his administration.

 However, Economic condition has been worst; rupees value has been low, crime and corruption reached at its top, rivers has been pollute and People are fading up with inflation. That’s the reason, people voted for the change. To resolve these problems and to meet the expectation of the common man, people directly voted him. In the last 2years, Modi government launched some major programme and policies such as; Swatch Bharat Mission, Jan dhan yojana, make in India, Mudra bank, digital India, Sansad adarsh gram yojana, Pradhan Mantri Jan suraksha yojana, Beti Bachao Beti Padao etc. On 2nd October 2014, he started most anticipated ‘Swachh Bharat Mission’ a cleanliness drive across the nation.

Indeed, foreign policies initiatives took by Modi on world stage are appreciated well in past two years. He also addresses the world through General Assembly of United Nations which admired in the entire world. Meanwhile, he also attended UN, BRICS, SAARC and G-20 Summits where India’s interventions and perception on a political issues and global economic were tremendously appreciated. To bring the investment in India, he also visited china, South Korea and Japan. Hopefully, in coming days we will got to see huge job creation in the country.  Moreover, In November 2015 also attended COP21 Summit in Paris on climate change issue. Eventually, first time 177 nations came together to celebrated yoga day and a resolution passed to declare 21st June as an international yoga day, this initiative by Narendra Modi on yoga day got overwhelming response from every corner of the world.  In addition, Narendra Modi represents himself as ‘People leader’ who is dedicated to serve the people for their well-being.

Beyond politics, he loves to read several books and he also writing, moreover, he starts his day with yoga practices to rejuvenate himself to his high-paced life. Interestingly, Narendra Modi is famous as the techno-savvy leader who believes to bring change in the life of people with the use of technology. Narendra Modi keeps active on social media, remains topmost followed politician in India and second in the world after Barak Obama.

Lastly, if you have any question, suggestion and queries, for Prime Minister Narendra Modi then you can tweet @Narendra Modi or can send a mail at narendramodi1234@gmail.com. Moreover, you can also write RTI to PMO India. Furthermore, you can write letter on PMO office, if someone want any information regarding his government works and policies then navigate pmindia.gov.in.

How to become rich in online share trading?

In reality, due to inflation, individual could lose their placed money in the bank; thus, to uphold your money, we need to change our approach to invest money. Apart from it, we often praise colleagues and friends who become rich in online share trading, also heard numbers of success stories of people who taste success in the trading, and all these things entice and force us to think again and again before investing our money somewhere. Therefore, put your money in share market to get good returns and make your wealth more valuable.

Eventually, ‘Buy low and sell high’ is the major concept to become a successful investors and to become rich in a certain period of time. However, Online share trading is quite easy and straightforward; buy low-priced share and sell for more; definitely, you will become rich as stock trader. In the past few years, we have noticed incredible rise in the share market, even beginners earned lot from the market. Alongside, all the analysis shows, how handsomely share market is booming day by day! Unless, you don’t save money, it’s no means how much you earn monthly! Therefore, avoid needless and lavish expenditures to save money, and to park it at right place i.e. share market.

Earlier, lot of paperwork involved while trading in the share market, although, internet revolution changed the over-all scenarios of the market, we got every comfort at our fingertips. Now, we can buy or sell the stock just in few clicks from anywhere, does not matter whether we are in office or home. Moreover, internet endows valuable information, volume of share trading, expert opinions, real-time stock prices, technical analysis and much more.   Search for trading account is the initial step for online stock trading, and for that numbers of broking firms are accessible in the country. Nevertheless, you feel bother for the account opening fees then, you must know many share broking companies offers trading account on lowest brokerage charges.

 Interestingly, trading account is nothing but a major tool to trade in the market and to track your over-all investments on the single stage. Moreover, Stock market facilities you to invest in commodity, currency and mutual funds; hence, wide array of investment doors open in the Online share trading for the investors to become rich in a short time. Here are key points to trade for become rich in the online share trading; buy at cheap and sell for good returns, minimize your loses, develop and then implement your own strategies, understand the current market circumstances, deep knowledge of the stock investment, and finally do not invest whole money in a single company share, might be it cause sudden lose, therefore, invest in alternative companies to avoid loss. Anticipating individuals must have risk bearing capacity, as we know; market keeps fluctuate. In addition, sudden rise and immediate go-down are common in the market but it should not be matter of concern if you looking for long and optimistic future in the market.  Ashlar online offers trading account on the lowest brokerage charges to begin trading, and to obtain the objectives to become rich. 

Future and option trading

Perhaps, the utmost experience I have in this business is the caliber to examine the experiences of countless traders with diverse personalities, their risk capital and life schedules and every trading in an array of markets. Indeed, Optimistic growth and vast network magnetize immense of people globally to be a part of the share market in the recent years. With practice, it’s not too tough to determine ‘what kind of trading most suitable to the person. Actually, it depends on the necessity of the trader on the basis of experience, risk bearing capacity, capital, and schedule.  Well, future trading and option trading are two basic terms used in the stock market, and it’s extremely important to understand these sorts of trading while step-in the market.  

Basically, future trading is form of contract to buy and sell the undying assets on the specific cost at the pre-determined period. Additionally, these are purchased when the traders expects the price of the underlying security to grow up. Obviously, it’s long going process because investors purchased the obligation to obtain goods on current price, holder will earn profit if the price will rise, and will sell the future contract for a profit. What's more, it’s a kind of business that provides everything you have eternally desired from business of your own, and give a platform to show your potential for limitless earning and wealth with fully independency to work according to your own hours. Alongside, you can begin with less capital and interestingly, you can operate entirely according to your comfort zone. In fact, you don’t require employee, thus wouldn't require attorneys and accountants as well. Likewise, there is zero rivalry so you don’t have to waste money on marketing. 

Further more, option trading is also a contract between two parties that gives buyer the right, but not obligation, to sell and buy underlying assets on predetermined price within certain date, and it’s a security like stock and bond.  Additionally, it’s a derivative and In the case of a stock option its value is based on underlying stock and in index option its value based on underlying index. While, some people remains confuse by option trading, therefore, option is divided into two types i.e. call option and put option. Call option is basically an option to buy a stock on predetermined price or on before a fixed time, and Security deposits are comes under call option. Alongside, Put option is an option to sell a stock on preset price or on before a fixed time, and insurance policies are comes under put option. 

  Often, people assume, is there any requirement of Demat account for future and option trading, well, you must know its mandatory, but by a reputed broker who could able to guide you well and capable to rectify your quarries. Therefore, Ashlars online is here for you to fulfill your all desires related to trading. Interestingly, we offer Demat account on lowest brokerage charges till i.e. Rs 5.