SPAM: January 2020

Wednesday, January 15, 2020

Rising gold prices

gold price hike | gold price in india | gold price will increase or decrease in future | gold rate | silver price | where are gold prices headed | why gold price is rising in india |

loGd yma be an nvitstemen to own tis an saset ot uavle, at tis i,igorn dan some snivtoers mitgh be pelac yb too tieltl nndusdiargetn fo wheer hte stco is ehaded off. roF ainncets hewn a ruytlop aws dnwoe by uyo, oyu anc gfurei out eht unermb of gsge dy'ou be utgrohb by it woflodel no het oyulprt yb eht meta stfie,l teg a sesen fo tis lauve, nda bausrtct sosct. maSe geso ofr a bs,useins a m,hoe or erhto cmmoyidot ikel iol. suecaeB it tn'esod vhea a speuorp in oamycpn or in het ladyi sened of 2,2 dolg edrsfif.

why gold price is rising in india 2019

weevroH lla iths snt'ode eanm thta gdlo si a chcati,o seuefr,neon nad tyanallur exeeymltr leiolavt esast. We look at data points to follow along to know which path the price is headed and a few of the points affecting gold. inItfanol - otnIfianl is rdeedoisnc .1 top atcofr actmniipg eht ircep fo gdol. hTe eno zulitie it dose have hsa neeb a naeterir of ahlwte dna vealu, hoahuglt we iads that ntdid veah a coymnap ro ropalnes seu. nCnlestyuqoe sti' beslinse ni an ,enromenvint hweer eth aeluv fo pepar myoen is lfglina ot ahtw sriesvce and ogsdo nca be psarcheud tihw t,i hatt peoepl ohsdul dene ronteah kidn fo oemny htta sti vulae si tidnreea yb DSOE.

HTe CIP si a eeamsur rgoitmnion a sektba of huoehodsl dgsoo fro eht osct agen,hc nda is maetn ot vpedoir a esnse of who cmhu nniifolat eterh is ni na onscmocei dan fcnitegaf het ivlciina ttah is uranb. The CPI or price of living index in most nations is strictly controlled by governments and may not include key spending areas like food, energy, utilities, education and health in the attempt to curb concerns about inflation. heT IPP is a lpaomerbca ol,to utb mfro a pdeoucrr pvriptseece. sredglRsae fo hrhwtee ouy lkoo ta het toatl oynem yspu,lp mkhbncrase ikel \PP/P,ICI ro imsply ucsnoslcnuyoi rsactk prcise if shoppgni ro igpnya yrou sllbi delnog is revy lkeiyl ot tlcoeraer tdyelrci ni eth htap erehw erenlag icesrp aer del adn ttha aols nseam odnw wneh thes're is a guhto micvittepeo btaelt for dlog to inw hwti sti daoelnitf.

asteR fo seteintr are haerton itonrtpma norctiida of si a uothg emiotvitpce lbatet rof dgol ot nwi whti ist. During periods of high rates of interest, is a tough competitive battle for gold to win with its for that reason is a tough competitive battle for gold to win with its is a tough competitive battle for gold to win with its. Thta si a otugh vitoemeptic batelt ofr oldg ot iwn wtih tis ointnpfro dlinygie ateurn nda rfo atht anrseo eirghh tasre of eeirsttn manse leowr dogl epirc. eTh ctanifnisig ocnmcioe aatd tpion ot etak a kate a kool uto rfo is eth deaferl fnsud taer eersaedl yb eht FCOM 8 isemt nalyunal ni the dietUn Stesat.

Thursday, January 9, 2020

LTA | leave travel allowance income tax | leave travel allowance exemption limit for ay 2019-20 |

LTA | leave travel allowance income tax | leave travel allowance exemption limit for ay 2019-20 | leave travel allowance exemption limit for ay 2018-19 | leave travel allowance section 10(5) | leave travel allowance in cognizant | leave travel allowance percentage basic | leave travel allowance meaning in hindi | how to claim lta without travelling

Leave Travel Assistance (LTA)

The following points need to be considered:

· An Employee may claim the exemption for himself/ herself and his/ her family

consisting of his/ her spouse, children, parents, brothers and sisters

wholly/mainly dependents on him/her.

· The travel has to be within India.

· The tax exemption is available only for one journey during a year.

· The exemption can be claimed for two journeys in a block of four years. The

current block of four years is 2018 to 2021 and next block of four years is 2022 to 2025.

· For claiming LTA, an employee needs to avail at least 3 (consecutive) Privilege Leaves.

· The Employee claiming the tax exemption, he/she must travel along with their family members.

· Exemption is available only in relation to expenses incurred on travel.Other incidental expenditure on hotel accommodation, food etc. are not eligible for exemption.

· Maximum tax exemption is limited to the amount of LTA payable to you.

The eligible amount shall be arrived at as per the following clauses:

· Where the journey is performed by air, an amount not exceeding the air economy fare of the national carrier by the shortest route to the place of destination.

· Where journey is performed by rail; railway fare in first class AC by shortest route to the final destination.

· Where journey is performed by any mode other than by air or rail, and

the places of origin and destination are connected by rail, then First

class AC fare by shortest route from the place of origin to the place of

final destination.

· Where journey is performed by any mode other than by air or rail, and

where place of origin of journey and destination or part thereof are

not connected by rail then:

i) If a recognized public transport system exists between such

places the first class or deluxe class fare of such transport by

shortest route.

ii) In any other case, First AC class train fare for the distance of

the journey by the shortest route, as if the journey has been

performed by rail.

Documents to be submitted:

For Air Travel:

1. Covering letter in prescribed format duly completed and

signed by the Employee.

2. Original tickets / Print outs in case of e-tickets along

with all the boarding passes.

3. Extract of approved Privilege Leave record showing that you were on leave

when the travel was conducted.

For Train Travel:

1. Covering letter in prescribed format duly completed and

signed by the Employee.

2. Original train tickets.

3. Extract of approved Privilege Leave record showing that you were on leave

when the travel was conducted.

For Hiring A Vehicle:

1. Covering letter in prescribed format duly completed and

signed by the Employee.

2. Original invoice of the travel company along with

acknowledgement of receipt of payment by the travel

company.

3. Toll Taxes paid during the travel can also be claimed only

against original receipts.

4. The duty slip of the driver should also be attached.

5. The Employee shall have to give a comparative train fare from

the place of origin of the journey to the final destination.

Prints out of these details have to be obtained from the

following link: http://www.indianrail.gov.in from Fare Enquiry menu

6. Extract of approved Privilege Leave record showing that you were on leave

when the travel was conducted.

For Use of Own Car:

1. Covering letter in prescribed format duly completed and

signed by the Employee.

2. Original petrol bills.

3. Toll Taxes paid during the travel can also be claimed against

original receipts.

4. The Employee shall have to give a comparative train fare from

the place of origin of the journey to the final destination.

5. Prints of these details have to be obtained from the following

link: http://www.indianrail.gov.in from Fare Enquiry menu

6. Extract of approved Privilege Leave record showing that you were on leave

when the journey was performed.

house rent receipt format pdf | rent receipt format for hra exemption | house rent receipt format pdf download |

house rent receipt format pdf | rent receipt format for hra exemption | house rent receipt format pdf download | house rent receipt format pdf download india | filled rent receipt format | rent receipt india | rent receipt with revenue stamp |

RENT RECEIPT

Received from (EMP Name)……………….. a sum of

Rs……. ( per month ) Towards rent for the period From ---/--/-- To ----/--/-- for the property situated at address……………………

(Mandatory)

Name of the owner :

PAN of the owner :

Date of receipt :

Address of the owner :

___________________________

( SIGNATURE OF THE OWNER ) (Revenue Stamp Mandatory)

Note:

1. If annual rent paid exceeds Rs.1,00,000/- copy of landlord’s PAN is mandatory .

2. Proof of payments such as bank statements ( incase rent exceeds Rs. 3,000 PM) & Rent agreement copy.

Latest rent undertaking letter format

Rent undertaking letter format

Date: -----------

To,

XXX XXX Private Limited,

1^st Floor, Building no. 4,

Commerzone, Yerwada, Pune -411006.

Subject: Undertaking for Rent payable from February 2020 to March 2020.

Dear Sirs,

I undersigned, ------(EMP ID- -----), residing at –-------, hereby declare that, I will pay the house rent of Rs------ Per month (In words……..) from February 2020 and March 2020 and accordingly will submit the rent receipts on or before 20th March 2020. In case of failure, company can deduct the tax accordingly with March 2020 salary.

I request you to consider the same for my HRA deduction calculation for FY 2019-20.

Thanking you,

Sincerely,

(---------)

invest in tax saving schemes

Only three months remain till you can plan well and invest your hard money to save tax. That's right, if you want to save tax this year, invest in tax saving schemes.

If you do not invest properly in tax saving schemes, TDS will be deducted from your hard-earned money for which you grind every day, for the entire year. This is a heartbreak that most salaried individuals face at the end of every financial year.

Most people who want to save tax, look for a way out from this and take the help of different tax-saving investment opportunities.

Some of the most popular Investment options that most salaried individual look to, and how they compare against ELSS:

Investment	Returns	Lockin Period
National Pension Scheme	12-14%	Till Retirement
Unit Link Insured Plan	According to the plan chosen	5 Years
PPF	7-8%	15 Years
Sukanya Samriddhi Yojna	8.5%	N/A
National Savings Certificate	7-8 %	5 Years
Senior Citizen Saving Scheme	8.7%	5 Years
Bank FDs	6-7%	5 Years
Insurance	According to the plan chosen	3 Years
ELSS	15-18%	3 Years

Investment in any tax saving scheme should serve the basic purpose of saving the tax and also, at the same time, help in creating wealth for the future with a lower lock-in period. Unfortunately, that is not the case with most of these investments.

Investing in these options achieve a mini-goal of saving tax. But the returns on these investments are so low that it hardly is able to reach the inflation levels of our country, let alone beating the inflation rate even after a lock-in period of 5 to 15 years.

By looking at the numbers in the above table, it is clear that the only investment that helps you achieve both these goals in the most efficient manner is ELSS.

So, what are ELSS Schemes?

Equity Linked Savings Scheme , popularly known as ELSS are close-ended and diversified equity schemes offered by mutual funds in India. They offer tax benefits under Section 80C of the Income Tax Act 1961. ELSS can be invested using both SIP (Systematic Investment Plan) and lumpsum investment options. There is a 3 years lock-in period and thus has better Liquidity compared to other options like NSC and Public Provident Fund.

Investing in ELSS Mutual Funds provide you with the opportunity of saving tax upto Rs.46,800/- and also create true wealth in the long run. The returns you get by investing in ELSS is much more than that of other tax saving schemes and also beats the inflation by a fair margin with a lock-in period of just 3 years .

Invest in ELSS Mutual Fund baskets today to save your tax upto Rs. 46,800/- and at the same time create wealth -

101 Spam Email Examples 1

101 Spam Email Examples

from:

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101 Spam Email Examples

Attention Sir,

We hereby bring to your notice that the West Africa Coast Initiative (WACI) in collaboration with regional Police have concluded their investigation against Cybercrime in west African and has enlisted your name among the 11 victims of internet scam whom will be compensate with $350,000 (Three Hundred and Fifty Thousand USD)

This compensation scheme was approved by Chief Security Officer (CSO) after WACI Cybercrime security team had recovered the sum of $6,130,000 USD from online internet fraudsters who operates within Africa. The arrests was made after several fraud case was reported by victims who lives in Europe, India, Asia and America. Fortunately, The criminal gang were tracked down and 57 persons was arrested with evidence.

The internet criminals have confessed to have committed several crimes over the internet through False business proposals, Fund Claims, ATM Cards, Impersonations and also in disguise. Thereby using this medium to convince their gullible victims to send money to them.

In the process of investigating their email conversations, It was discovered that some innocent foreign citizens have made contact with them and your email address was seen in their mailbox hence it was recorded that you may have been victimized by this scammers and should be compensated.

This compensation scheme have commenced today and All enlisted persons will receive their compensation of $350,000 USD each. To receive this compensation fund, You will have to contact and forward your confirmation code- (WAC/21955/SN08/2019) to WACI Finance Office below.

West Africa Coast Initiative (WACI)
Finance Department
Financial Officer: Felix Duncan
Email: waci.financeoffice@gmail.com
Contact Phone: 00221 70 682 44 76

Note! You are required to contact WACI Finance Office with this confirmation code WAC/21955/SN08/2019 for verification.

Yours sincerely
Sebastian Blake
Information Department

Sunday, January 5, 2020

Todd Spiewak | Jim Parsons and his husband, Todd Spiewak, were together for 14 years before getting married

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Todd Spiewak

Jim Parsons' husband

Todd Spiewak is the husband of Jim Parsons, who portrays Sheldon. He is a producer. He graduated from Boston University in 1999 with a Bachelor of Fine Arts in Graphic Design.