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You Must Keep These 7 Document while Filing Income Tax Returns.


What documents do you need during the filing of income tax return which you should keep in the process during this process.

1. Form-16: If you are a job seeker then it is very important to have Form-16 during the ITR. This is what you get from your employer. It contains complete information about the employee’s salary, HRA, medical consultation and investment under Section 80C. This form contains information about the entire salary and TDS given to you in a financial year.

2. Salary Slip: In your salary slip, the account of the money received per month from the company is maintained. The salary slip includes the details of the money you received under several heads. Such as Basic Salary, HRA, Deerance Alliance, Medical Allowance, Convention Alliance etc. The deduction along with the money you received in your salary slip is also recorded.

3. Form-16A / Form-16B / Form-16C: If you have earned income from any sources other than salary and TDS is deducted on it, then you are given Form-16A by that company. If your property has been sold, then you give the buyer form-16b, all information is given on how much TDS is cut on it. If you are earning from the rental as a landlord then you should be asked to give the form 16C to the tenant to provide details of TDS deducted on the rent.

4. Form 26AS: Form 26As is a tax credit statement in which the details of all the taxes are recorded on your behalf (from your total income) Income Tax Department has received. You can download Form 26 AS from the Income Tax website. You should not ignore this form at all.

5. Aadhar Card: Now after processing the ITR, it is necessary to have the base and PAN card link to process it. Under the Section 139AA of Income Tax, it is necessary to provide the information related to the ITR to file an ITR.

6. Investment details: If you have invested in Equity Linked Mutual Fund or PPF, then it is useful to give you a tax deduction. So, whatever investment you have made, keep the details of your ready.

7. Details of Home Loan Details: If you have made a home loan or any other loan finance, you should also keep the details of it. They get tax rebates.

Payday Loan Types and Meanings


Confused by all the different types of payday loans and the many payday lending companies in the market? Here at Payday-Today, we want to answer all your questions and make your decision whether or not to get a payday loan as informed as possible. Not only do we try to find the right loan for you, but we also make sure you fully understand what a Payday loan is; as well as some of the pitfalls people fall into when getting a Payday loan; and some alternatives you might want to consider before and after you get a Payday loan. Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.

What is a Critical Illness Insurance Plan in Your Life.


A critical illness policy is a defined benefit health insurance plan. Defined benefit plans pay you a lump sum on an insured event. So unlike a basic health insurance plan that will pay up the costs you actually incurred due to hospitalisation, a critical illness plan will pay a lump sum amount. For this reason a critical illness policy not only helps you pay for incidental expenses, but also supplements your income in case you are unable to work because of the said illness.

There are many types of critical illness plans in the market. While some focus on a few ailments, others cover a wide range of critical illnesses. A typical critical illness policy will cover illnesses such as cancer, coronary artery bypass graft surgery, kidney failure, heart attack, major organ transplant and stroke.You can either buy this as a stand-alone policy or as a rider with a life insurance policy.Both life insurance as well as non-life insurance companies offer critical illness plans. Remember to read the exact definition of the illness.

Learn About Insurance, Benefit of Insurance and Types of Insurance



An act of insuring, or assuring, against potential future losses in exchange for a periodic payment called premium. In other words, one of the parties undertakes to indemnify or guarantee another party against loss by certain specified risks.

Insurance works on the basic principle of risk-sharing. A great advantage of insurance is that it spreads the risk of a few people over a large group of people exposed to risks of similar types.


Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed and known small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium.

Benefits of Insurance

  • Financial Security of Life and Assets in case of an unfortunate event
  • Tax Relief by way of deductions from Income, which lowers tax burden
  • Encourages saving and helps in Financial Planning for the Future
  • Life Insurance Policies can be used as a security to obtain a Loan
    Types of Insurance There are many types of Insurance products available today covering both Life and Non-Life. In Non-Life, apart from personal covers such as accident covers and health insurance, there are products covering liabilities under a particular law and or common law. The various products are designed to cater to different needs of an individual or industry such as fire insurance policy on multi-storied building, policy on personal property which includes things like jewelry, electronic equipment and even owned vehicle’s.
Yellow folders show different types of insurance papers

These Step Should be Taken Immediately After Account and Credit Card Fraud


With the increase of transactions through digital medium, the Reserve Bank has alerted the customers about fraud in it. The central bank has said that the debit and credit card fraud should be reported to the customer within three working days without fear, then the entire accountability will be of the bank.

According to the central bank, if the customer complains to a bank branch in a digital way about a disturbance in transaction within three working days, then there will be no responsibility for it. Then the entire accountability will be of the bank. With the emphasis on the transaction through digital medium on behalf of the government, the trend of payment is increasing through this medium. Along with this the messes related to this are also increasing.

– Complain about unsuccessful transactions from ATMs, bank account fees, etc. without the customer’s information.
– If there is no solution within one month then you can complain before the Banking Ombudsman

Importants of Life Insurance in Your Life


On the off chance that you have a family and have ever pondered about whether you ought to get some life coverage however dependably place it in the too hard bushel then this simple to take after prologue to the disaster protection world is for you.

My father kicked the can when I was nine. He betrayed my mother and four children developed between seventeen years and nine and no money. Without question I missed him however at nine I didn’t by and large have much idea in regards to passing or adversity. I know it sounds adolescent however what I amazingly missed was our old lifestyle. We expected to move house since we lived in an association house and couldn’t stay there any more. We expected to surrender our auto since that was given by the association too. All that we could bear the cost of was a continue running down board of trustees house. It was close to nothing and cramped and didn’t have much in the technique for divider so we trusted we had neighbors perfect over us. This was all salt to the damage of our dejection, all these niggly things that had now transformed into our life. I don’t know why my father didn’t take out life scope, all I know is that he didn’t and we bore the consequences of that decision for a long time.

Do you need to get additional security for your children? Generally, this is simply provoked if you can’t endure the cost of commemoration benefit costs (all around about $5000). Something different, there is no reason behind youths to be ensured as they don’t add to the family wage.

Having additional security not simply gives you honest to goodness sentiments of tranquility knowing your family will be managed after you or your friend has gone, it may well be a champion among other cash related decisions your family could make.

Why Income Protection May be Insurance of The Future


We currently live in a consumer society in which materialism runs riot, much to the delight of credit card and loans companies. More and more people are falling into debt today, and heavy debt at that, because we have to have certain objects and status symbols. If the income of a household is cut in half, or even in some cases eradicated, then it would be hard to cope with the financial loss, but income protection can prevent stress and anxiety if an individual were to be made redundant or have time off through sickness.

Financial advisers are advocating the benefits of income protection because they can prevent families falling even further into debt or finding that they can no longer make the repayments. For example, a working mum may earn two thirds of what the patriarch in the family earns but that sum may be just enough to keep the household above water. If she were suddenly become unable to work due to a long term illness or accident, then how on Earth would the family be able to eat, keep warm and even maintain the roof over their heads without her income? The solution could be income protection insurance?

Income protection does exactly what its name implies. Many companies will pay out in times of sickness in redundancy. However, the terms and conditions may vary greatly from income protection policy to income protection policy. Some will pay out the salary total for a period of time, whereas others will only guarantee 50 % of salary or £1000 per months for a fixed period of time, which is usually twelve months.

Different forms of income protection will help different people so it is imperative that you take the time to find out what is available and what would best suit you before taking out a policy.

What Will Happen When I Leave The Job in Your Life ?


The Consolidated Omnibus accounts Reconciliation Act (COBRA), a control made in 1986, gives laborers (and people from their hover of relatives) who lose their prosperity well-being favors the perfect continue with their aggregating clinical scope for a restricted time allotment underneath circumstances, as an occurrence, deliberate or automated work adversity, diminished in hours, change between occupations, partition, choice and kicking the bucket.

By methods for and huge, the specialist will pay as much as 104% of the best class expense for a comparable approach; this is by and by typically significantly less expensive than purchasing a man assurance affiliation.

There are three urgent plots for meeting all necessities for COBRA: the qualifying occasion, the well-being design scope and the ensured man or lady.

Every viewpoint is mulled over even as making utilization of for COBRA and furthermore you need to choose to both apply for COBRA or on the other hand then again concede your rights to COBRA inside 14 days after a qualifying occasion.

You should similarly had been inside the social affair security format in the midst of your work to be guaranteed. despite the way that there are exceptions, for the most extreme segment you may hang on paying your assert charges to keep up COBRA scope in area for as much as year and a half.

Organizations who’ve under 26 agents, state or specialists supervisors or laborer affiliations may not give COBRA scope. investigate with your therapeutic protection govt to look if you may qualify. you can in like manner have this measurements expeditiously reachable on your amassing logical protection plan or on your venture direct.

Notwithstanding the truth that it is likely sumptuous, the cost of being fit to keep your gathering security scope charge may be pleasantly defended, regardless of the greater part of the issue.

Not Only Computer But Computer Education is Also Necessary.


In today’s time the importance of computers is very high and in today’s subsistence computer education is not necessary but computer. If there is no computer in the modern era, then there may be many problems because young people are dependent on computers in today’s time. Today many people have computers in their home but computer education is not there. People know the name of computers and their basic knowledge but they do not know what they can do with them. Computer education is very important for all in today’s time, because if a person keeps knowledge of computers in today’s time, then business can easily reach heights in employment.

Computer has opened up opportunities for everyone in today’s time and through this life has become much easier. Everything is possible by computer education today. The use of computers in train, machine, jet plane, bank, business etc. is always there. Computer education is very important in today’s times. There are many things that are done only by computer. Many times we have to get our work done after a lot of expenses but if we have computer knowledge then we can do that too.

Why is Education So Important in Your Life ?


When I started thinking about why education is so important, I remembered my high school years when I used to spend almost five hours a month on math homework, I remembered my teachers, school subjects, the study and the fun! I never really hated school. But I have seen many of my peers who hated going to school; I have had some friends who did not like the idea of studying. Some needed to be up in summer school for recovery. I personally was always focused because I wanted to become a software engineer. I know it will be hard and very challenging. However I believe I can handle the challenge.

The first thing that strikes me about education is knowledge gain. Education gives us a knowledge of the world around us and changes it into something better. It helps us build opinions and have points of view on things in life. People debate over the subject of whether education is the only thing that gives knowledge. Some say education is the process of gaining information about the surrounding world while knowledge is something very different. They are right. But then again, information cannot be converted into knowledge without education. Education makes us capable of interpreting things, among other things. It is not just about lessons in textbooks. It is about the lessons of life. One thing I wish I can do is, to provide education for all: no child left behind and change the world for good.