7 Best things to keep in your wallet always

Emergency Contact Information – It is always good to keep your immediate / emergency contact details in your wallet. You never know when you might need it or need to share it. Basic information would always be required during crisis.

Driving License – This is a must and has to be a part of your wallet always. Let it be 2 or 4 wheeler license; it needs to be carried always. Driving License can be used as residential and identity proof in India

Pan Card – Government ID or Permanent Account Number card needs to be carried always in your wallet. PAN card can be used as photo identity in India.

Cash – Carrying extra cash in your wallet is always useful and advisable. During the time of urgency it can be useful to you or your friend.

Health or Medical Card – Health insurance card needs to be part of your wallet. In case of emergency or going to the hospital for a treatment these cards will help you in paying and saving hard cash.

Credit Card and Debit Cards – Payments, online shopping, buying policies or movies tickets can be done instantly with the help of credit or debit card. These cards help you in getting extra benefits like points, benefits and rewards.

Business Cards - You never know whom you meet up and have to share your business card, therefore it always recommended to carry few cards in your wallet. In today’s modern world you can always share your contact information through your phone.

7 Best things about using Credit Cards

More Purchasing Power – Credit Card provides you a facility to purchase now and pay later. This facility really helps during the time of festival when you want to buy something for your loved ones but do not have cash ready available.

More Savings – With the help of Credit Card you can be sure not to miss on any payments and save money by avoiding late payment charges. Insurance policies, premium payments, investments in ELSS, installment payments and online payments can be done through credit cards.

During Emergencies – Credit Card comes handy during the time of emergencies and its interest rate is always less compared to borrowed money from other institutions. Also you get 45 -52 days for making payments and save additional money.

Reward Benefits – Reward points are associated with every purchase you do with your credit cards. These points can be redeemed later to purchase goodies, movie tickets or gift articles through online.

Online Shopping – Customer or consumers can purchase products and services at a lesser rate and enjoy the benefits by making purchases through credit cards. Additional discounts are associated with credit cards, like 5% additional discount for HDFC Bank customers, bonus points, free gifts etc. which provides additional savings to the customer.

Additional Protection – Accidental, Life Insurance or Travel Insurance cover is provided too few types of credit card holders with additional charges. Credit cards may also offer you additional protection if something you have bought is lost, damaged, or stolen.

Miles – Free Air Miles can be earned and redeemed later to book flight tickets. Miles earned can be redeemed against 5 star hotel bookings giving you another reason to go on affordable vacations.

7 Best ways to quit smoking

Get a good reason to stop –Find out a good reason to quit smoking and be motivated towards achieving your goal. Good and strong reasons like to improve health, live long healthy life, children and family sake will encourage and keep you motivated for a long time.

Go for replacements – Don’t rush and take hard steps, go slowly by reducing your daily intake. If you still feel frustrated then go for replacements like nicotine gum or patches which will help in reducing your nicotine intake.

Involve Family / Friends – Whenever you take such decisions, declare it to your family or friends. Your family and friends will motivate and help you to keep away from smoking. It may happen that they get encourage and also join you in your decision by which you will get additional support towards achieving your goals.

Manage Stress – Quitting smoking is very tough and requires lots of patience. You need to know other ways of handling stress and tensions. Go for a walk or cycling, join a gym or a dance class to keep yourself occupied and stress free.

Develop a new hobby – Explore your inner self and try to develop a new hobby, this will give you extra motivation and kick to be away from smoke and more interested towards good things in life.

Reward yourself – Reward yourself with shopping or buying something new with the money you just saved from not smoking.

Read related topics - Read real lifetime stories about people who quit smoking or articles about how to quit smoking? This will provide a boost towards quitting smoking and knowing the benefits of it.

7 Best things about Blogger

Free Service – A new blogger can start immediately with its own blog without any fee payment or deposits. Blogger hosting is a free service provided by Google.

Easy to Use – User friendly and easy to use interface making it very convenient for a blogger to use from start to the finish.

Templates – Free and paid varieties of templates are available on the web as per your choice and convenience. Google also provides with basic custom templates which very good to use.

Reliable Hosting – Since blogger service is provided by Google, you will never find your blog is down or slow. Great advantage and benefit for blogger users.

Earn while you Blog – Blogger allows user to insert and monetize from their blogs. User can use different types and sizes of ads available in the market and earn money definitely.

Managed by Google – Since Blogger is owned and managed by Google, your site will be index quickly and will reflect in search engines by default.

No Hacking Problem – You can be assured and relax that your site will never be hacked as it is managed and monitored by Google regularly. Since your blogger account linked with your email id, it is impossible for anyone to hack it unless you have shared your user credentials with someone.

7 Best things about Mutual Investments

Managed by Professionals – Every Mutual fund is managed by professional fund manager. It is the duty of Fund Manager to buy and sell stocks after careful researched and increase the returns of the mutual fund.

Easy to Invest – Entering into mutual funds is very easy and requires minimum entering amount of rupees 500 per month or 5000 lump sum. Only basic documentation is required like a blank cheque, PAN Card number and address proof.

Diversification – Large and small investors needs to invest in different types of stocks and not in a single to minimize risk. Mutual funds allocate your funds in different kinds of stock so that when equity market gets crashed or very low, it does affect your funds drastically.

Liquidity – Mutual funds are liquid investments and you can withdraw funds anytime or once the lock in period is over. Mutual funds are linked to your banking account and funds get transferred automatically.

Regulated by Government – SEBI regulates all mutual funds in India on regular basis which provides comfort and assurance to its investors. All mutual funds need to submit and disclose their portfolios to SEBI every six months, which helps in keeping track of investments done by the mutual fund.

Reinvestment of Dividends – Option of reinvestment of dividends earned during the year / quarter can be reinvested into the same fund under mutual funds. Written applications are required to be submitted before hand to the mutual fund office.

Easy to Withdraw – Exiting from mutual fund is easy and money would be directly deposited into your account. Money gets deposited into your account 4-5 working days without much hassle, only written application with a blank cheque is required during withdrawal request.

7 best things about having your own website

You own brand: Your own website will help you to create your own image and in representing yourself to the world in your own way. Your friends and family can know you better through your website. You can share and discuss about your hobbies, art, pictures, likes and dislikes.

24 / 7 reachable: Friends and family can reach you at anytime, from anywhere through online / website portal. Customers can buy product from your website on weekends or holidays and you don’t need to be online all the time. You can earn while you are sleeping.

Making Money: Making money through your own website is easy and convenient. There is no limit on earnings through your own website as you don’t have to do any huge investments and buy infrastructure. You are the sole owner and don’t have to depend or share your profits with anyone. You can buy a website of your own at $10 per month and start your business. You can also sell space for advertisement to other websites or product sellers.

Blog: Through blogs you can be in touch with your clients and update on new products or queries. Blog helps you to be in touch with them and communicate with them on regular basis. Blogs have grown popularity over past few years and helps in improving business. More blogs means, more traffic on your website.

Save on Advertising Cost: By having your own website, you can save a lot of money on advertisement. No need to go for large printing ads, on the web you can post your ad and reach million customers through your website. You can also advertise on other websites and market your products are very cheap rates.

Each to reach your clients: You can reach and make your own customers through your web portal. Personalized services can be provided to these customers and improve interactions with them will help in increase your business and customer satisfaction.

7 Best ways to save on income tax

PPF / EPF – Public Provident Fund or Employee Provident fund scheme under section 80C provides an eligibility and limit of 1 Lakh rupees with a guaranteed return at 8.6% to save income tax. Investor can invest minimum of Rs 500 per year, with a lock in period of 15 years.

ULIPs – Investment in Unit Linked Policies provides options for income tax saving with a life insurance policy attached. Thus this provides double benefit with an option of tax saving with life insurance cover attached.

Mutual Funds – Investment in Mutual Funds or Equity Linked Saving Schemes is a very good option and useful in tax saving for those who have not utilized other option of tax savings. Investment in ELSS comes with a locking period 3 years and returns depend upon market conditions.

Fix Deposit – Best option to save tax and get a guaranteed return of 9% at least. Deposit of funds for a term of 5 years in any bank is eligible for 80C tax deductions.

NSC - National Savings Certificates or NSC is yet another saving scheme for Tax Saving on Income in India. NSCs will offer you 8.4% this year and the income, like 5 year bank FDs will be taxable after getting added to your income.

Home Loan – You can save income tax through home loan under 2 sections:

Indian Income Tax Act 1961 – Section 24 (B)

The max amount deductible under this act is Rs 1,50,000 per financial year. Interest on borrowed capital or loan taken for purchasing a Home, constructing a house or renovating an existing property can be claimed for income tax savings.

Indian Income Tax Act 1961 – Section 80 (C)

It allows a tax deduction of up to Rs 1,00,000 on principal amount of home loan or borrowed capital repaid in a financial year.

Education Loan – Education loan provides you an opportunity to study and afford higher education with income tax saving benefits. Government of India has extended the benefit under 80E from the year 2010-2011 for all streams providing vocational or regular courses. Educational loan can be claimed only on full time courses.