Daily Doubts

How to reduce dark spots on your face?

2014-03-08T21:37:00.000-08:00

Dark spots on your face is a common problem now-a-days. Dark spots on your face can be due to acne scarring, sunburns, age spots, etc. If you have them, Don’t worry we will give you useful tips using Natural remedies to reduce dark spots on your face.

Citrus fruits (Lemon category), papaya, tomatoes and other fruits and vegetables contain lightening properties. Many people prefer using natural methods because they tend to be gentler on your skin and less expensive than other treatments.

Natural remedies

Citrus fruits contain abundant amounts of Vitamin C, also known as ascorbic acid. Vitamin C helps marsh off the top layer of skin without causing damage. Here are some tips to use it.

Squeeze some juice – Mostly lemon juice has been used for the years to lighten their skin, but you can use oranges, grapes also if you prefer. Slice the fruit into half and squeeze the juice into a cup or bowl. Using a smooth cotton ball, wipe it onto your dark spots. Leave it on for atleast 20 min, then rinse off. Repeat the same once or twice a day.
Lemon and honey face mask - Combine the juice of half a lemon with 2 tsp of honey. Mix well, and apply to your face. Leave it on for minimum 30 minutes, then rinse well.
Citrus and powdered milk scrub - Add 1 tsp each of water to the milk powder (you can add to milk also) and the juice of your favorite citrus fruit. Mix into a soft paste and massage into your skin. Rinse well.

From Nuts. Nuts are rich in Vitamin E, a powerful antioxidant, Vitamin E helps to repair damaged cells and strengthen new ones.

· Application - Massage pure Vitamin E oil directly onto your dark spots. With daily application, your spots will fade.

· Dietary sources - Add the nuts (almonds, peanuts, pine nuts), sunflower seeds, wheat germ oil, and dried apricots to your regular diet to get even more Vitamin E power:.

Papaya. Papaya fruit contains the papain enzyme. Papain helps exfoliate the skin, making way for new skin cells to emerge.

Papaya contains Vitamin C and E, so it's a good dark spot fading helper. Papain is most concentrated while the papaya is still green, but you can use riper fruit. Peel and remove the seeds from a papaya, and any of the following.

Whole fruit - Slice a piece off of the papaya, and hold it on your dark spots. Hold it there for 25-30 minutes. Repeat the same atleast twice a day for best results.
Papaya facial mask - Cut the papaya into small chunks. Use a blender make it into a smooth paste. Apply the mask to your face and neck. Leave it on for about 30 minutes, then rinse well.

Aloe vera. The aloe vera plant has many health benefits.

It's an excellent moisturizer, and is effective for healing sunburns. It helps to fade dark spots. If you have an aloe plant at home, break off a small piece, squeeze the pulp into your hand and apply it directly to your dark spots. You can also find aloe gel in grocery or ayurveda stores. However, pure aloe vera works best.

More Tips

Dark spots can often be very obstinate, and can take much time to fade. Be persistent and consistent with the treatment method you choose. Be patient.
Drink plenty of water to give your dark spot treatment a little extra boost.

How to become a successful blogger and earn money?

2014-02-04T12:51:00.000-08:00

Are you a fresh blogger and awaiting success to earn money from your blog? Here are some exclusive tips to become successful blogger which were attempted, followed and succeeded by many bloggers with their blogs. I’m one among them.

Plan and succeed

Nothing can be achieved without proper planning, true hard work and discipline. Create a primary plan on how much time you can spend on your blog daily or weekly. Strictly follow your plan.

More Traffic – Earn More Money

Many successful bloggers earn very good income from their blog worldwide. A simple logic behind this is, for every 1000 page views on your blog, you could earn from $2 to $10, depending on the topic your blog specializes. So start targeting for at least 1000 visits per month and continuously raise your standards.

Do you know? Many top blogs receive on an average over Million page views a month. So, decide what is your standard and where you are.

Takes Time – be patient

Even professional bloggers will not succeed instantly. They evolve over time as they develop skills and attitude to improve their blogging. You should have commitment to shine your skills and continuously evolve yourself. So, don’t give up.

Choose Favorite Topic

Reader gains interest if you can offer useful information. They slowly turn from visitors into your readers. Pick any topic that you really like. If you are not clear, search on the internet. Google Trends and Google zeitgeist are very useful.

Stay up-to-date

Always Stay up-to-date with what is happening around the world. Try your best to post the latest information. For e.g., developments on your blog, or on the topic you selected. Always Post current affairs on your blog. This could bring more visitors to your blog.

Excellent content

Good content is the key for any successful blog. Don’t just write and keep calm. Try to share your post with your friends via Facebook or other social sites. Always write in simple language. Do not copy from someone else content; don't be penalized from search engines.

Allow readers to become subscribers

Effective communication is very important. Allow readers to comment on your post, share and like your posts. This will help your blog to get free publicity.

And the list goes on. Follow our blog for many exciting tips to create and earn money from your blog.

How to make Amla (Gooseberry) pickle?

2014-02-03T14:34:00.000-08:00

Amla (Gooseberry) pickle is known to be containing rich vitamin C. You can eat as-it-is if you love it. It is called as gooseberry in English and Usiri in south Indian languages. Amla is usually available in winter. Today, we will introduce to another Indian pickle which can be easily prepared from Amla (gooseberry/usiri). This amla pickle can be tasted with rice, dosa, roti and chapati. Learn how to make amla (gooseberry) pickle recipe without using any preservatives. Similarly you can prepare Mango pickle also

Ingredients:

Amla (usirikayalu) – 1 Kg

Chilly powder – 150gm

Asafetida powder – 1/2 tbsp
Mustard seeds (Avalu) – 50 gm
Fenugreek seeds (Mentulu) – 2 tbsp
Turmeric powder – 1/2 tsp
Ground nut or sesame oil – As required (~ 500 gm)
Salt – 125 gm

Preparation:

Wash and wipe the gooseberries (amla) and let them dry on any cotton cloth for 2-3 hrs.

With a sharp knife, make some cuts on each Gooseberry.

Heat sesame/ground nut oil in a thick heavy bottomed pan and add amla and fry them for 13-15 minutes until starts change colour shown in picture. Keep a side.

If gooseberries are small leave them as-it-is. Otherwise, if you press them on the top, they will separate as shown in the picture.

While the oil is still warm, add the asafetida

Meanwhile roast the fenugreek (menthulu) seeds till they start to change color and grind it.

Grind the mustard seeds to a fine powder.

Mustard powder, fenugreek powder, salt, turmeric, and chili powder mix evenly add this masala to the gooseberries after cool the oil.

Check the taste of the mixed mixture, it should be salty now. If it is less salty add another tbsp of salt. If the salt is less in the pickle, it will get spoilt soon.

Let the Gooseberry pickle cool completely.

Carefully transfer this to a clean, dried and sterilized glass bottle and cover it.

After 3 days the oil should float on top of the pickle. If it does not float, add heated and cooled sesame/ground nut oil (1/2 cup) to the pickle and mix well.

Let the Gooseberry (Amla) pickle marinate for about 1-2 weeks before eating.

After 1 month keep in refrigerator then the amla pieces will never get softer (tip).

How to make vegetable biryani?

2013-12-10T13:58:00.000-08:00

Vegetable biryani is one of the common and tastiest Indian recipes usually well-known in south India. This Indian recipe can be easily prepared at home with simple ingredients. Vegetable biryani lovers may try this recipe at home and share your wonderful moments. However, Non-vegeterians may love to prepare Chicken biryani.

Ingredients

Basmati Rice - 2 cups
Onion - 1 medium (chopped)
Ginger garlic paste - 1 tsp
Green Chillies - 3-4
Mixed Vegetables - 1 cup (can use vegetables like potatoes, green beans, carrot, green peas, baby corn etc)
Mint leaves - handful
Cilantro leaves - handful
Garam Masala Powder - 2 tsp
Fennel Powder - 1 tsp
Pepper Powder - 1 tsp (add only if you like the vegetable biryani extra spicy)
Turmeric Powder - 1/4 tsp
Lemon Juice - 1 tblsp
Bay Leaf - 1
Salt - as needed
Oil or Ghee - 2-4 tblsp
Water - 3 cups

Method

Heat the oil/ghee in a pan and add the bay leaf. Saute the onions till it turns golden brown.

Add the ginger garlic paste and green chillies and fry till the raw smell vanishes.

Next fry the finely chopped mint and cilantro leaves.

Add the garam masala powder, turmeric powder, fennel powder and pepper powder.

Add all the vegetables and fry for a minute. Next add the rice and fry for a minute.

Transfer everything to a rice cooker. Add the water mixture, lemon juice and required salt.

Cook till the rice is done. Garnish with some more cilantro and/or roasted cashews.

Serve with some curry.

How to make chicken biryani?

2013-12-10T02:41:00.000-08:00

Chicken biryani is one of the famous and tastiest Indian recipes. Chicken lovers will surely enjoy tasting this biryani. Here are some tips to be followed to make this wonderful recipe at your home. It is very easy to cook. Vegeterians may not taste this for them Vegetable biryani recipe secret has been provided.

Ingredients-1

Basmati rice - 3 cups
Chicken- 1/2 kg (cut into small pieces)
Onion -1 large/2 small ( cut lengthwise)
Tomato - 2 ( finely chopped or crushed)
Ginger garlic paste -1 tsp
Corianderleaves - ¼ cup (finely chopped)
Mint leaves - ¼ cup (finely chopped)
Green chillies - 5 nos (finely chopped)
Oil -3 tblsp
Ghee - 3 tblsp
Water - 4.5 cups
Salt - to taste
Chilly powder - 2 tsp ( or as needed)
Fennel Powder - 2 tblsp
Turmeric powder - ¼ tsp

Ingredients-2 ( For Marination)

Salt - ¼ tsp
Lemon juice /Yogurt - 2 tblsp
Turmeric powder - ¼ tsp
Corriander powder - 1 tsp
Cumin Powder - 1 tsp
Garam Masala - 1 tsp
curd-1/4 cup
Chilly Powder - 1 tsp
Ginger garlic paste -1 tsp

Garam Masala
Bay leaf - 2
Cinnamon - 4
Star Anise - 2
Cloves -5
Cardamon -3

Preparation Steps
1. Wash and cut chicken into small pieces. Marinate using all ingredients from list-2 and let it rest in the refrigerator for atleast half an hour.
2. Rinse the rice, soak it for atleast 15 minutes, drain all water from it and keep aside.

Method

1. In a heavy deep vessel/ pressure cooker heat oil and ghee together. Once it gets heated up, add the whole garam masala. You can grind the garam masala and add it if you do not like whole masala coming in your mouth.
2. Slowly add onions along with chopped green chillies.
3. When onions turn slightly brown and crispy add ginger garlic paste, chopped corriander and mint leaves.
4. Next add tomatoes and sauté for a while till the oil seperates.
5. Now add marinated chicken along with turmeric powder, chilly powder, fennel powder, yogurt and salt. Saute everything for 5-10 minutes until it thickens to a gravy consistency.
6. Add the gravy and soaked rice to the rice cooker along with water mix well.
7. Check for salt and cook them in a rice cooker.

That's all ... the tastiest Indian Chicken biryani is ready to serve.

How to make sorakaya (Bottle gourd) payasam?

2013-12-09T13:23:00.000-08:00

Bottle gourd (sorakaya) is rich in many vitamins and fiber. It can also be used for making a sweet item called as payasam (kheer). Try the following procedure, you will definitely love its taste.

Ingredients:

Bottle gourd grated — 1 cup

Ghee—10 tbsp

Cashew nuts - 2 tbsp

sugar - 1/2 cup

Raisins - 2 tbsp

Cardamoms (powdered)- 5 nos

Milk - 2 cups

Milk maid - ¼ bottle

Procedure:

Remove the water in the grated bottle gourd grate with hand

Take a pan & add ghee into it after 2 min add the squeezed bottle guard fry it until the raw smell is gone until brown colour comes.

Add milk &mix it cook for some time

finally add milk maid, add cardamoms powder, sugar and raisin

Fry the dry fruits with gee add to above mixture.

Serve it either hot or chilled

Tasty Bottle gourd kheer is ready to serve.

How to make poornam boorelu ?

2013-12-09T13:08:00.000-08:00

Poornam boorelu is one of the regular traditional south Indian recipes usually found during festivals. It has real Indian traditional flavour and taste of Indian culture. Try the following procedure to make Poornam boorelu at your home. You can use ravva to prepare ravva kesari boorelu also.

Ingredients:

Cup urad dal (minappappu) - 1/2 cup

Rice-1 cup

channa dal (pchi sengapappu) - 1 cup

Grated jaggery (adjust according to your choice) - 1 cup

Fresh grated coconut (optional) - 1/4 cup

Cardamom powder- 1/2 tsp

Salt - to taste

Refined Oil - for deep-frying

Procedure:

Soak the mixture of rice and urad dall for 2-3 hrs. Drain water from the urad dal and rice and grind to fine paste adding very little water. It should be like a thick dosa batter. Add a pinch of salt and mix well. Leave aside covered.

Cook chana dal with just enough water to cover the dal. The dal should be just cooked and hold shape. Drain any left over water from the dal after its cooked. Add grated jaggery to the dal cook till it seems like a thick paste, stirring continuously as the dal tends to stick to the vessel. Turn off heat and cool.

Add grated coconut, cardamom powder and mix well. Shape small bite sized balls like shown in the picture above.

Heat enough oil in a wide heavy bottomed vessel for deep-frying the balls.

Dip each ball in the batter (urad dal and rice paste) and let it coat evenly and place in the oil and deep fry till golden brown and crunchy.

Serve warm. Store in an air tight container as they last for at least two days.

That's all.. tasty Poornam boorelu are ready to serve. It tastes better when served hot.

How to prepare Ravva kesari (halwa) boorelu?

2013-12-09T12:52:00.000-08:00

Ravva kesari (halwa) boorelu is another traditional festival recipes. Kesari is made of Ravva (suji) and will be used to prepare halwa boorelu. Try the following procedure to prepare ravva kesari boorelu at your home and brighten your festival joy. Also you can try Ravva ladu using the ravva to enlighten more.

Ingredients:

Cup urad dal (minappappu) - 1/2 cup

Rice-1 cup

Ravva (suji) - 1 cup

Water - 2 cups

sugar – 1 ½ cup

Fresh grated coconut (optional) - 1/2 cup

Cardamom powder 1/2 tsp

Ghee- 2tsp

Dry fruits as you required

Salt - to taste

oil - for deep-frying

Procedure:

Soak the mixture of rice and urad dall for 2-3 hrs. Drain water from the urad dal and rice and grind to fine paste adding very little water. It should be like a thick dosa batter. Add a pinch of salt and mix well. Leave aside covered.

Fry the ravva until golden color in a medium flame and dry fruits with ghee keep it aside.

Add half table-spoon of ghee in pan and fry the grated coconut to golden color in a medium flame and keep it aside.

Now heat 2 cups of water and add the sugar to it. When it starts boiling add the fried ravva to it. Stir well and see that no lumps are formed.

Add the fried and grated coconut to it then add dry fruits cardamom powder mix well and switch off the stove transfer to plate.

Now make lemon size balls of the halwa like shown in picture.

Dip each ball in the batter (urad dal and rice paste) and let it coat evenly and place in the oil and deep fry till golden brown and crunchy.

Your tasty tasty Ravva kesari (halwa) boorelu is ready to serve.

How to make Ravva laddu?

2013-09-29T05:10:00.000-07:00

Ravva laddu is a very famous south Indian sweet recipe that can be made at home. It can be easily made at your home with less ingredients. Try it and enjoy the real taste of Indian recipes.

Ingredients

2 Cups - Ravva

1 Cups - Maida

2 Cups - Powdered Sugar

1 Cup - Ghee

6 – 7 - Cardamoms

Cashew nuts, Raisins – as required

Method

Pour ghee in a heated pan and roast ravva, in thin flame. Roast it until you get a good smell and keep it aside.

Now add 2 teaspoons of ghee and roast maida for 2 minutes.

Next add roasted ravva and roast it again for like 2 – 3 minutes.

Remove it from the stove when you get a good aroma and spread it on a plate and wait for it to cool.

Fry the cashew nuts and kismis with gee.

Now add the powdered sugar, Cardamom powder and dry fruits.

Then mix well and make shapes of round laddus.

How to make bread halwa?

2013-09-29T04:45:00.000-07:00

Bread halwa is a great alternative for bread dislikers. Halwa made of bread is a ready to eat Indian recipe and can be cooked with minimum efforts. The procedure for Bread halwa is given below. Follow the steps carefully and enjoy. Halwa can also be prepared with Ravva also using this recipe.

Ingredients

Milk bread- 1

Ghee- 1 cup

Milk- 1/2 litre

Sugar- 1 cup

Almonds- 6

Cashew nuts- 12

Cardamom pods powder- 4

Procedure

1. Shed the bread into 1 inch pieces. You need not discard the sides of milk bread because they too are sweet.

2. Heat 1 cup of ghee in a deep bottomed pan. When it warms up, sauté the almonds and cashew nuts in it and fry until brown colour.

3. Now add the shredded bread pieces to ghee. Sauté it on low flame for 4-5 minutes. When the bread turns brown in colour, remove from flame.

4. Meanwhile, start boiling milk in a deep bottomed pan.

5. Add the breed pieces in to it, stir for 2 minutes then keep adding sugar at a time. Stir the milk to dissolve the sugar completely. Then add Cardamom pods powder

6. Finally garnish the bread halwa with fried almonds and cashew nuts.

You can either serve this Bread halwa sweet-dish hot or chilled.

How to make sweet pongal?

2013-09-29T03:59:00.000-07:00

Sweet pongal is one of the famous Indian recipes that can be made of rice and jagerry. Pongal is a regular recipe for south Indians. Try the simple steps and become a master chef with minimum efforts and ingredients. Pongal can also be prepared as Hot pongal, try this also for change in taste.

Ingredients

Raw Rice--1 cup
Green Gram Dal (pesarapappu)--1/2 cup
Milk—1 ½ cup
Jaggery (powdered) (bellam)- 3 cups
Ghee—4 ½ tbsp
Cashewnuts-2 tbsp
Raisins-2 tbsp
Cardamoms (powdered)- 5 no
Cloves (powdered)- 2 no
1 small piece Nutmeg (grated or powdered)
A pinch of Saffron
Water--2 cups

Method

1. Roast dry the green gram dal with ½ tsp of ghee for a couple of minutes.
2. Cook the rice and green gram dal with 2 cups of water and 1 ½ cup milk and set aside.
3. Dissolve the jaggery in 3/4 cup water and cook on a low heat till the jaggery melts.
4. Strain the jaggery to remove the dirt.
5. Put the syrup once more on the heat and stir till it becomes slightly sticky.
6. Add this solution to the cooked rice and dal and then add the powdered cardamoms then switch off the stove.
7. Heat the 4 tbsp ghee and Fry the cashew nuts, raisins and add to the pongal.
8. Add cloves nutmeg and saffron.
9. Mix well and serve hot.

It is so simple. Try Sweet pongal at your home today.

Why do most people prefer East facing houses?

2013-09-14T11:22:00.000-07:00

East facing houses are mostly chosen by many people while building new houses or buying flats. Building a new house or purchasing a new flat in an apartment is an every man's dream. However, with lack of knowledge, most of us do mistakes in choosing an appropriate design and plan of our house. In apartments, planning is pre-designed and the buyer should accept according to it. In the case of independent houses, the choice is with you.

Here are some of the tips while chosing a plot or house and answers for the above question. Keep reading.

Pro's: You can see beautiful sunrises, lots and lots of morning and early afternoon sunshine, warmer facing East rooms in the winter mornings. windows facing west in the evening will have beautiful sunsets.

Con's: Those who doesn't like to wake up early, sunlight creates disturbance .Heat in summertime, and the rooms facing east will be darker late afternoon and evening.

However, there are interesting facts according to Vastu Shastra.

Scientific facts about East facing.

Sun raises from 'East', this is the main reason. Sun is nothing but visible ‘God’. The sunlight has great power to vanish germs, virus and harmful bacteria. Morning sunlight gives vitamin-D which helps you to re-energize for the entire day. And many more....

Read the benefits and plan accordingly.

Wealth and progeny are assured for the houses having more open space in the east.

If there is room or verandah in the eastern portion of the house, prosperity and good health are assured.

If there is a main gate in east and there is open space in north, it ensures good results.

The east main gate having no open space in the north direction will not have any bad effects provided the house is built as per Vastu Sastra.

The height of the east wall of the house being less than the west wall results in good outcome.

The floor lowered towards east than the central room is good. The east elevated land is bad. The inmates will be poor and unhealthy.

Slopped east verandah provides health and fame.

RCC house having no verandah can have a small balcony in north-east to have the same effect of east verandah.

If the water used in the house flows towards east, it ensures good health.

Well or water tank in east is good.

Should not construct house towards east. If the house is built close to east boundary, there is chance of having dearth of male child or else the male child may be handicapped.

If the house is built close to the east boundary and with more space in west, the inmates will be prone to diseases and untimely deaths.

Heap of soil, stone or garbage in east paves the way for loss of property.

If the east verandah is slopped towards west, it is indicative of eye diseases, paralysis etc.

If a portion of the house is rented out, the owner should live in the elevated portion. Lest, financial loss may result.

The compound wall should be lower to the door level. Otherwise, there will be more troubles to the inmates.

East boundary wall should be lower than the west boundary wall. This will ward off complications in the life.

Tips for East facing houses

More open area is to be left on east and north sides.

The main door must be on the north-east corner or east (Positive).

The kitchen must be in south-east corner or as second choice in north-west corner.

The stair case can be built in north-west or south east corner and never in north-east corner.

The north-east corner of the house should not extend beyond south -east corner.

Any type of construction like security room, E.B room, garage Etc... shall not be built on the north east corner of the plot.

Big trees or heavy flower pots should not to be kept in the north-east corner of the plot.

While digging well, sump due care to be taken not to affect the north-east corner.

Portico, Car Park should not be built extending the north-east corner of the house.

The north-east corner of the house should not extend beyond south east corner.

The Master bed room must be built in the South west corner and children' room in the north west corner.

The Hall can well be placed in the East side towards north or in the north east corner.

If more windows are provided in the east side the flow sun light in the morning will bring good luck and health.

East side elevation must not be higher that of west side.

If waste water, rain water and drainage are passed out from the north-east direction, the children will prosper in studies and profession.

How to increase income from Savings account?

2013-09-09T05:53:00.000-07:00

Are you getting income from your savings account? If you have a lot of cash, lying idle in your savings Bank Account, and at the same time you don’t want to commit to long-term investment, and you still want to still gain some income from your account?

Then, you enable the Auto-Sweep facility in your Savings Bank account.

This will make sure you earn good interest on a major part on the cash lying in your Savings account.

What is Auto-Sweep Account ?

“Auto Sweep” is a facility which provides, the combined benefits of a Savings Bank account and fixed deposits. Auto-Sweep facility interlinks your saving bank account with a Deposit account and helps you to get extra amount on the money lying in your bank account.

How ‘Auto Sweep’ works?

You need to define a “threshold limit”, and money up to that limit will be in the form of cash in your savings account and any amount above this, “limit” will be automatically be converted into a Fixed Deposit and you will start earning normal FD returns on that part of the money. At any point in time, if you need money more than is lying in your bank account, the money lying in the Fixed Deposits is Reversed-sweeped into your savings account and you can withdraw the amount you wish.

Example:

Suppose your account has Rs 1 lac for 1 year, it will earn 3.5% interest on it (for normal Savings bank account), which is Rs 3,500 for a year. However if you have auto-sweep enabled in your savings account with threshold limit of Rs 20,000, the additional 80,000 will actually be in form of a fixed deposit and it will earn an interest of 8% (varies with your bank). In this, you will earn 3.5% of 20,000 which turns out to be Rs 700 and 8% of 80,000 which is Rs 6,400 , a total of 7,100 , which is almost 100% more than the first case .

Facility in different banks

IDBI Bank – Sweep-in Savings Account

Axis Bank – Encash 24

Union Bank – Union Flexi Deposit

HDFC Bank – Super Saver Facility

Bank of India – BOI Savings Plus Scheme

Oriental Bank of Commerce – Flexi Fixed Deposit Scheme

State Bank of India – Multi Option Deposit Scheme

Allahabad Bank – Flexi-fix Deposit

Bank of Maharashtra – Mixie Deposit Scheme

Corporation Bank – Money Flex

United Bank of India – United Bonanza Savings Scheme

How it will help in tax deduction?

As per section 80TTA, Savings account interest up to Rs 10,000 is exempted from tax

A normal savings account cannot give such 10k interests..

So why waiting? Rush to your bank immediately and convert your savings account immediately.

How to get rid of Hair fall?

2013-09-06T16:19:00.000-07:00

Loss of hair (hair fall) at a very tender age has become a common disorder these days. It causes a great deal of concern to persons affected by loss of hair, especially Indian women who regard good hair growth with thick long hair as a sign of beauty.

Hair is formed in minute pockets in the skin, called follicles. An upgrowth at the base of the folic, called the papilla, actually produces hair; when a special group of cells turn amino acids into keratin, a type of protein of which hair is made. The rate of production of these protein " building blocks." determines hair growth. The average growth rate is about 1.2 cm per month, growing faster on women between the ages 15 and 30.

What are the Causes?

The most important cause of loss of hair is inadequate nutrition. Even a partial lack of almost any nutrient may cause hair to fall. Persons lacking vitamin B6 lose their hair and those deficient in folic acid often become completely bald. But the hair grows normally after the liberal intake of these vitamins.

Another important cause of falling of hair is stress such as worry, anxiety and sudden shock. Stress leads to a severe tension in the skin of the scalp. This adversely affects the supply of essential nutrition required for the healthy growth of the hair. General debility, syphilis, chronic cold, influenza and anaemia, also gives rise to this disorder. It makes the roots of the hair weak, resulting in the falling of hair. Unclean condition of the scalp can also cause loss of hair. It weakens the hair roots by blocking the pores with the collected dirt. Heredity is another predisposing factor which may cause hair to fall.

How it can be treated?

The healthy condition of the hair depends, to a very large extent , on the intake of sufficient amounts of essential nutrients in the daily diet. Hair is made of protein and adequate protein is necessary for luxuriant hair. Women require 60 grams, men 80 to 90, adolescent boys and girls 80 to 100 grams of protein. It is supplied by milk, buttermilk, yogurt,soyabean, eggs, cheese, meat and fish. A lack of vitamin A may cause the hair to be caurse and ugly. A deficiency of some of the B vitamins, of iron, copper and iodine may cause hair disorders like falling of hair and premature greying. Lack of inositol causes loss of hair. Any person having trouble with his or her hair should eat foods rich in inositol such as yeast, liver and molasses. Research has, however, shown that women have a low requirement of inositol. Although this vitamin may help to stimulate the growth of a woman’s hair, its lack is probably not a major cause of slow growth . Women are generally deficient in iodine and vitamin B1, either of which can slow down circulation to the scalp to such an extent that hair may fall out and new hair grow in very slowly. Women who keep their diets adequate in iodine, the B vitamins and iron have a better growth of hair. According to Adelle Davis, a world famous nutritionist, "increasing the intake of protein, particularly of liver, wheat germ and yeast, and supplementing the diet with a teaspoon of inositol daily usually stops a man’s hair from falling, and I have seen three or four persons whose hair became thick after these improvements were made. "Persons with a tendency to lose hair should thus take a well balanced and correct diet, made up of foods which in combination should supply all the essential nutrients. It has been found that a diet which contains liberal quantities of ( i) seeds, nuts and grains, ( ii) vegetables and (iii) fruits would provide adequate amounts of all the essential nutrients. Each food group should roughly form the bulk of one of the three principal meals. These foods should , however, be supplemented with certain special foods such as milk, vegetable oils, honey, wheat germ, yeast and liver.

Remedies at Home?

Several home remedies have been found useful in the prevention and treatment of the loss of the hair. The most effective among these remedies is a vigorous rubbing of the scalp with fingers after washing the hair with cold water. The scalp should be rubbed vigorously till it starts to tingle with the heat. It will activate the sebaceous glands and energise the circulation of blood in the affected area, making the hair grow healthy. Amla oil, prepared by boiling dry pieces of amla in coconut oil, is considered a valuable hair tonic for enriching hair growth. A mixture of equal quantity of fresh amla juice and lime juice used as a shampoo stimulates hair growth and prevents hair loss. Lettuce ( salad-ka-patta) is useful in preventing hair loss through deficiencies. A mixture of lettuce and spinach juice is said to help the growth of hair if it is drunk to the extent of half a litre a day. The juice of alfalfa ( lecerne) in combination with carrot and lettuce juice taken daily also helps the growth of hair to a remarkable extent. The combination of these juices is rich in elements which are particularly useful for the growth of hair. While preparing alfalfa juice, the leaves of the plant only may be used when it can be obtained fresh. Daily application of refined coconut oil mixed with limewater and lime juice on the hair, prevents loss of hair and lengthens them. Application of the juice of green coriander leaves on the head is also considered beneficial. Amaranth, known as chaulai-ka-saag in the vernacular, is another valuable remedy. Application of its fresh leaf-juice helps the growth of the hair and keeps them soft.

Mustard oil, boiled with henna leaves, is useful in healthy growth of hair. About 250 grams of mustard oil should be boiled in tinned basin. A little quantity of henna leaves should be gradually put in this oil till about 60 grams of these leaves are thus burnt in the oil. The oil should then be filtered through a cloth and stored well in a bottle. A regular massage of the head with this oil will produce abundant hair.

Another effective home remedy for loss of hair is the application of coconut milk all over the scalp and massaging it into the hair loss. It will nourish the hair and promote hair growth. The coconut milk is prepared by grinding the coconut shavings and squeezing it well.

Washing the hair with a paste of cooked black gram dal, (urad dal) and fenugreek ( methi) lengthens the hair. A fine paste made from pigeon pea or red gram ( arhar dal ) can also be applied regularly with beneficial results on bald patches. Regular use of castor oil as hair oil helps the luxuriant growth of the hair.

Certain home remedies have also been found useful in case of patchy loss of hair. The seeds of lime and black pepper seeds, ground to get a fine paste, is one of the valuable remedies. This paste applied on the patches, has mildly irritant action. This increases blood circulation in the affected area and stimulates hair growth. The paste should be applied twice a day for a few weeks.

Another useful remedy for patchy loss of hair is the paste of liquorice (mulethi) made by grinding the pieces in milk with a pinch of saffron. This paste should be applied over the bald patches in the night before going to bed.

How to make hot pongal ?

2013-09-06T13:02:00.000-07:00

Here is another tastiest hot pongal recipe which can be made with rice with very less ingredients. Follow these steps to prepare. You have read the sweet pongal recipe before

Ingredients:

Pepper – 1 tsp

Moong dal – 1 cup

Rice – 1 cup

Ginger – garlic paste – 1 tsp

Ghee – 2 tsp

Sajeera – 1 tsp

Chilli pieces – 1 tsp

Salt – to taste

Soak rice and moong dal together for ½ hour before preparation.

Procedure

Take a pan and add some ghee, let it heat for some time.

Add Sajeera, peppar, ginger – garlic paste and chilli pieces and fry for some time (1 – 2 min).

Add 3 glasses of water and boil for 5 minutes.

Add the soaked rice and moong dal to this boiled mixture and cook until water evaporates completely.

That’s all

Serve Hot.

How to do fasting?

2013-08-25T10:06:00.000-07:00

Fasting refers to complete abstinence from food for a short or long period for a specific purpose. The word is derived from the old English, ‘feastan’ which means to fast, observe, be strict. Fasting is nature’s oldest, most effective and yet least expensive method of treating disease. It is recognized as a cornerstone of natural healing.

The practice of fasting is one of the most ancient customs. It is followed in almost every religion. The Mohammedan, the Buddhists, the Hindus and many others have their periods of strict fasting. The saints of medieval times laid great stress on this method. Fasting indisease was advocated by the school of natural philosopher, Asclepiades, more than two thousand years ago.

Throughout medical history, it has been regarded as one of the most dependable curative methods Hippocrates, Galen, Paracelsus and many other great authorities on medicine prescribed it. Many noted modern physicians have successfully employed this system of healing in the treatment of numerous diseases.

The common cause of all diseases is the accumulation of waste and poisonous matter in the body which results from overeating. The majority of persons eat too much and follow sedentary occupations which do not permit sufficient and proper exercise for utilisation of this large quantity of food. This surplus overburdens the digestive and assimulative organs and clogs up the system with impurities or poisons. Digestion and elimination become slow and the functional activity of the whole system gets deranged.
The onset of disease is merely the process of ridding the system of these impurities. Every disease can be healed by only one remedy - by doing just the opposite of what causes it, that is, by reducing the food intake or fasting.

By depriving the body of food for a time ,the organs of elimination such as the bowels, kidneys, skin and lungs are given opportunity to expel, unhampered, the overload of accumulated waste from the system. Thus, fasting is merely the process of purification and an effective and quick method of cure. It assists nature in her continuous effort to expel foreign matter and disease producing waste from the body, thereby correcting the faults of improper diet and wrong living. It also leads to regeneration of the blood as well as the repair and regeneration of the various tissues of the body.

How much time I should fast?

The duration of the fast depends upon the age of the patient, the nature of the disease and the amount and type of drugs previously used. The duration is important, because long periods of fasting can be dangerous if undertaken without competent professional guidance. It is, therefore, advisable to undertake a series of short fasts of two to three days and gradually increase the duration of each succeeding fast by a day or so. The period, however, should not exceed a week of total fasting at a time. This will enable the chronically sick body to gradually and slowly eliminate toxic waste matter without seriously affecting the natural functioning of the body. A correct mode of living and a balanced diet after the fast will restore vigour and vitality to the individual.

Fasting is highly beneficial in practically all kinds of stomach and intestinal disorders and in serious conditions of the kidneys and liver. It is a miracle cure for eczema and other skin diseases and offers the only hope of permanent cure in many cases. The various nervous disorders also respond favourably to this mode of treatment.

Fasting should, however, not be restored to in every illness. In cases of diabetes, advanced stages of tuberculosis, and extreme cases of neurasthenia, long fasts will be harmful. In most cases, however , no harm will accrue to fasting patients, provided they take rest, and are under proper professional care.

How to do fasting?

The best, safest and most effective method of fasting is juice fasting. Although the old classic form of fasting was a pure water fast, most ofthe leading authorities on fasting today agree that juice fasting is far superior to a water fast. According to Dr. Rangar Berg, the world -famous authority on nutrition, "During fasting the body burns up and excretes huge amounts of accumulated wastes. We can help this cleansing process by drinking alkaline juice instead of water while fasting ... Elimination of uric acid and other inorganic acids will be accelerated. And sugars in juices will strengthen the heart ... juice fasting is, therefore, the best form of fasting. "

Vitamins, minerals, enzymes and trace elements in fresh, raw vegetable and fruit juices are extremely beneficial in normalising all the body processes. They supply essential elements for the body’s own healing activity and cell renegeration and thus speeding the recovery. All juices should be prepared from fresh fruit immediately before drinking. Canned or frozen juices should not be used.

A precautionary measure which must be observed in all cases of fasting is the complete emptying of the bowels at the beginning of the fast by enema so that the patient is not bothered by gas or decomposing matter formed from the excrements remaining in the body. Enemas should be administered at least every alternate day during the fasting period. The patient should get as much fresh air as possible and should drink plain lukewarm water when thirsty. Fresh juices may be diluted with pure water. The total liquid intake should be approximately six to eight glasses.

A lot of energy is spent during the fast in the process of eliminating accumulated poisons and toxic waste materials. It is, therfore, of utmost importance that the patients gets as much physical rest and mental relaxation as possible during the fast. IN cases of fasts in which fruit juices are taken, especially when fresh grapes, oranges or grapefruit are used exclusively, the toxic wastes enter the blood -stream rapidly, resulting in an overload of toxic matter, which affects normal bodily functions. This often results in dizzy spells, followed by diarrhoea and vomiting. If this physical reaction persists, it is advisable to discontinue the fast and take cooked vegetables containing adequate roughage such as spinach and beets until the body functioning returns to normal.

The overweight person finds it much easier to go without food. Loss of weight causes no fear and the patient’s attitude makes fasting almost a pleasure. The first day’s hunger pangs are perhaps the most difficult to bear. The craving for food will, however, gradually decrease as the fast progresses. Seriously sick persons have no desire for food and fasting comes naturally to them. The simples rule is to stop eating until the appetite returns or until one feels completely well.

Only very simple exercises like short walks may be undertaken during the fast. A warm water or neutral bath may be taken during the period. Cold baths are not advisable. Sun and air baths should be taken daily. Fasting sometimes produces a state of sleeplessness which can be overcome by a warm tub bath, hot water bottles at the feet and by drinking one or two glasses of hot water.

What are the benefits?

There are several benefit of fasting. During a long fast, the body feeds upon its reserves. Being deprived of needed nutrients, particularly of protein and fats, it will burn and digest its own tissues by the process of autolysis or self-digestion. But it will not do so indistriminately. The body will first decompose and burn those cells and tissues which are diseased, damaged, aged or dead. The essential tissues and vital organs, the glands, the nervous system and the brain are not damaged or digested in fasting. Here lies the secret of the effectiveness of fasting as a curative and rejuvenative method. During fasting, the building of new and healthy cells are speeded up by the amino acids released from the diseased cells. The capacity of the eliminative organs, that is, lungs, liver, kidneys and the skin is greatly increased as they are relieved of the usual burden of digesting food and eliminating the resultant wastes. They are, therefore, able to quickly expel old accumulated wastes and toxins.

Fasting affords a physiological rest to the digestive, assimilative and protective organs. As a result, the digestion of food and the utilisation of nutrients is greatly improved after fasting. The fast also exerts a normalising, stablising and rejuvenating effect on all the vital physiological, nervous and mental functions.

How to break a fast?

The success of the fast depends largely on how it is broken. This is the most significant phase. The main rules for breaking the fast are : do not overeat, eat slowly and chew your food thoroughly ; and take several days for the gradual change to the normal diet. If the transition to eating solid foods is carefully planned, there will be no discomfort or damage. The patient should also continue to take rest during the transition period. The right food after a fast is as important and decisive for proper results as the fast itself.

What is Origami?

2013-08-18T04:17:00.000-07:00

Origami is an art of folding paper into recognizable or functional forms. The word origami comes from the Japanese words oru (folding), and kami (paper), and it was from Japan that this art form originated, many hundreds of years ago.There are hundreds of things you can fold paper into, and I have selected the best ones on this site to show instructions for.

Why waiting, explore this pdf and increase your creativity.

awesome origami pdf

Found at ebookbrowsee.net

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What are the mistakes home buyers make ?

2013-08-11T06:52:00.000-07:00

Everyone dreams to have a property. However, home buyer need to be aware of some crucial mistakes that can affect negatively. If you want to take a home loan, Here, I am writing some ten common mistakes you should avoid while applying for a home loan.

1. Know what you want.

Before beginning your process of buying a home, you have to conduct good research; don't always trust someone else's research or even your relatives/ friends. Go and ask by visiting the property. During your discussions with the developer, don't reveal your budget, he may substantially increase its basic cost. Always prefer to ask the developments of the project/house and match with your requirements.

2. Take credit report

Before starting negotiations with the banks, you should be ready with your credit report and check for any discrepancies. A negative credit reprot may affect your negotiations and sometimes may lead to huge cut in your bank loan. Always prefer to select a bank which gives loan at low interests.

3. Take practical aspects, think wisely.

Many times people tend to take loans with EMI 40-50% of their net monthly income. However, you should take care of expenditures which may come during the course of loan period. If you make any miscalculation, it may result in over borrowing. Your pleasure of obtaining a beautiful home, will therefore be overshadowed.

4. Do Enough research on developers/lenders

Don't finalize with the developers rate, always try to bargain upto 20% of the cost. He will get more than 200% profit on what amount he gives after your bargaining. Conduct enough research on price trends, follow websites like Indian property.com, 99acres, Magicbricks.com etc, where you can get unbiased information. Also, always do not prefer online booking. Always ask for processing fee, pre-payment penalties, percentage of loan granted and documents from your bank.

5. Do not accept online loans

Although these loans are easy to get, huge interests may bring troubles to you. Better go to your preferred banks like SBI, HDFC, HSBC and ask for your loan eligibility.

6. Disclose all information

It is your responsibility to disclose all truth before any bank. Having large credit dues and other loans, will have significant impact on your home loan eligibility.

7. Read entire documents thoroughly

Before you sign any document, take some time to read them carefully and get is clarified before your agreement. Reading through your loan documents will ensure that you know exactly what your doing.

8. Get your finances in an order.

Make a detailed sheet of income and expenditures and calculate wisely your eligibility and how much you can afford. This will show your current financial status and add your projections that may get in future either loss or gain.

9. Take Home insurance loan cover

Most of the people doesn't know if anything happens suddenly to you, who has to pay the remaining balance. If you take home insurance loan cover, it will help you and your family in clearing the debts and clears the remaining loan amount.

10. Select lender with right attitude

Always believe that lender will not do it for free and loss. He has his own interests at heart and can take advantage of you. Always insist of hidden costs before buying any property.

So beware and proceed to fulfill your dream home project.

How to make Andhra mango pickle ?

2013-08-07T13:29:00.000-07:00

Most of the Andhra wala like to eat hot and sour Mango (Avakaya) pickle as a part of their lunch or Dinner. But most of them doesn't know how to make it at home. Here is a detailed guidelines for the preparation. Follow them and prepare your own preservable avakaya at home. Similarly you can prepare Amla pickle also.

Ingredients:

4 cups Mango pieces of 4-5 medium raw sour Mangoes
1/2 cup Mustard seed powder (ground it from 1 cup mustard seeds)
1 cup Red chili powder (see notes)
1 cup Garlic pods
1/4 cup Methi seeds powder
1 cup (3 tbsp) Salt (use salt less than 1 cup)
2 cups Sesame or ground nut oil

Method:

Cleaning the mangoes:

Wash and wipe the mangoes with a dry cloth.

Cut the mango and then take a dry cloth and wipe the pieces from all the sides ensuring that they are cleaned and dried well.

Spread them over a dry cloth while you are preparing the spices for the pickle.

Ensure that they are fully dry before preparation. Otherwise, its taste and quality reduces with time.

For making pickle:

Keep ready the sterilized and sun dried jars ready before you start pickling.

Now take a big bowl and mix the mustard seeds powder, methi seeds powder, red chili powder and salt until everything is mixed well.

Add the mango pieces to it and mix well and apply the mixture all over the mango pieces.

Add garlic pods to the mixed mixture and mix well.

Add 1 1/2 cups of oil to the spice coated mango pieces and mix well.

Put the masala coated mango pieces and all the remaining masala in the sterilized jar add 1/2 cup oil over it and cover it with lid and keep it aside for 2-3 days.

On day-3 mix with a clean and dry ladle all over and taste the masala mixture in the pickle, it should be perfect or if you feel the salt is less add a tsp or 2 tsps of salt to it and mix well. I don't think it would be necessary if you follow the measurements accurate.

On the day-3 if you see the oil is floating on the pickle up to a 1/2" height then it is perfect. Otherwise add extra sesame or ground nut oil over the top until the oil floats on top.

Store it in a clean air-tight ceramic/glass container. This way your pickle stores for long with freshness in it and even the mango pieces do not get soft and would not change the color.

For more freshness, keep it in refrigerator once pickle is ready. Its colour will not change if you do like this.

Try this famous Andhra Mango (avakaya) pickle at your home and share your moments.

How to make coconut besan burfi ?

2013-08-06T14:57:00.000-07:00

Coconut besan burfi is a very tasty Indian sweet recipe that can be made very easily at your house. Try the following procedure to prepare this wonderful burfi

Ingredients:

Besan - 1 cup
Grated Coconut - 1 1/2 cups
Milk - 1 cup
Sugar - 2 cups
Ghee – 5-6 tablespoons
Elaichi powder - 1/2 tsp

Cashews roasted in ghee - a few to garnish

Procedure:

1. Take a thick-bottomed vessel and boil the milk keep aside.
2. Roast the besan in a tablespoon of ghee till nice flavor comes out and keep aside.
3 Add grated coconut cook in low flam. Keep stirring till no moisture is left.
4. Add sugar and milk to it. Sugar turns into thick syrup. Keep stirring for few minutes. Add elaichi powder.
5. Add besan slowly, keep stirring so no lumps are formed. Reduce the heat to medium-low and keep stirring.
6. Add the remaining ghee slowly while keep stirring continuously.
7. When it starts leaving the sides of the pan and moves as a mass along with the stirring ladle, it is done.
8. Transfer to a greased pan and cut into desired shape when warm.
9. Garnish with the roasted cashews.

That' s all your tasty tasty coconut besan burfi is ready to serve?

why we must wear seat belts ?

2013-08-05T14:41:00.000-07:00

The seat belt is designed to prevent such injuries which occur all of a sudden. If you press the car or van breaks suddenly, it stops suddenly, there is a very high risk of hitting whatever is in front of you (e.g. the steering wheel, windscreen etc.,) resulting in serious injuries.

Even when the car is stationary, you should wear the belt. If another vehicle happened to dash your car, the energy transfer is such that any unrestrained object (fellow passengers or luggage) will be forced into a sudden explosive movement resulting in serious injuries and sometimes even death. This is equally applicable to back seat passengers as well.

Some of the common injuries while driving are brain damage, neck and spinal cord injury, chest and heart injuries, severe internal bleeding etc. Most of these injuries are considered as “hidden injuries” and are difficult to identify and treat quickly without diagnosis.

Delayed recognition and treatment of such hidden injuries may sometimes leads to death.

So, Seat belt - Simple, Safe, Smart

http://www.youtube.com/watch?v=d7iYZPp2zYY

Everybody in the car must wear seatbelts. One cannot predict who is going to be involved next and it is better to be safe than sorry. Sometimes there is no coming back from such serious injuries.

You need just 5 seconds to put on the seat belt and become a sensible person. Wear a seatbelt and make others to wear

What are allowable deductions of Income tax act?

2013-08-01T12:55:00.000-07:00

Deductions Allowable under various sections of Chapter VIA of Income Tax Act (INDIA):

Section 80C:

This section has been introduced by the Finance Act 2005. Broadly speaking, this section provides deduction from total income in respect of various investments/ expenditures/payments in respect of which tax rebate u/s 88 was earlier available. The total deduction under this section (alongwith section 80CCC and 80CCD) is limited to Rs. 1 lakh only.

Life Insurance Premium For individual, policy must be in self or spouse's or any child's name. For HUF, it may be on life of any member of HUF.

Sum paid under contract for deferred annuity For individual, on life of self, spouse or any child .

Sum deducted from salary payable to Govt. Servant for securing deferred annuity for self-spouse or child Payment limited to 20% of salary.

Contribution made under Employee's Provident Fund Scheme.

Contribution to PPF For individual, can be in the name of self/spouse, any child & for HUF, it can be in the name of any member of the family.

Contribution by employee to a Recognised Provident Fund.

Sum deposited in 10 year/15 year account of Post Office Saving Bank

Subscription to any notified securities/notified deposits scheme. e.g. NSS

Subscription to any notified savings certificate, Unit Linked Savings certificates. e.g. NSC VIII issue.

Contribution to Unit Linked Insurance Plan of LIC Mutual Fund e.g. Dhanrakhsa 1989

Contribution to notified deposit scheme/Pension fund set up by the National Housing Scheme.

Certain payment made by way of instalment or part payment of loan taken for purchase/construction of residential house property.Condition has been laid that in case the property is transferred before the expiry of 5 years from the end of the financial year in which possession of such property is obtained by him, the aggregate amount of deduction of income so allowed for various years shall be liable to tax in that year.

Contribution to notified annuity Plan of LIC (e.g. Jeevan Dhara) or Units of UTI/notified Mutual Fund. If in respect of such contribution, deduction u/s 80CCC has been availed of rebate u/s 88 would not be allowable.

Subscription to units of a Mutual Fund notified u/s 10(23D).

Subscription to deposit scheme of a public sector, company engaged in providing housing finance.

Subscription to equity shares/ debentures forming part of any approved eligible issue of capital made by a public company or public financial institutions.

Tuition fees paid at the time of admission or otherwise to any school, college, university or other educational institution situated within India for the purpose of full time education of any two children. Available in respect of any two children

Section 80CCC: Deduction in respect of Premium Paid for Annuity Plan of LIC or Other Insurer

Payment of premium for annuity plan of LIC or any other insurer Deduction is available upto a maximum of Rs. 100,000/-. (This limit has been increased from Rs. 10,000/- to Rs. 1,00,000/- w.e.f. 01.04.2007).

The premium must be deposited to keep in force a contract for an annuity plan of the LIC or any other insurer for receiving pension from the fund.

Note: The limit for maximum deduction available under Sections 80C, 80CCC and 80CCD(1) (combined together) is Rs. 1,00,000/- (Rs. one lac only). An additional deduction upto a maximum of Rs. 20,000/- will be available from Assessment Year 2011-12 (FY 2010-11) for investment in Infrastructure Bonds.

Section 80CCD (1): Deduction in respect of Contribution to Pension Account (by Assessee}

Deduction available for the amount paid or deposited in a pension scheme notified or as may be notified by the Central Government subject to a maximum of :
(a) 10% of salary in the previous year in the case of an employee (b) 10% of gross total income in any other case.

Section 80CCD (2): Deduction in respect of Contribution to Pension Account (by Employer}

Deduction available for the amount paid or deposited by the employer of the assessee in a pension scheme notified or as may be notified by the Central Government subject to a maximum of 10% of salary in the previous year :

Section 80CCG: Rajiv Gandhi Equity Saving Scheme (RGESS)

As per the Budget 2012 anouncements, a new scheme Rajiv Gandhi Equity Saving Scheme (RGESS) will be launched. Those investors whose annual income is less than Rs. 10 lakh (proposed Rs. 12 lakh from A.Y. 2014-15) can invest in this scheme up to Rs. 50,000 and get a deduction of 50% of the investment. So if you invest Rs. 50,000 (maximum amount eligible for income tax rebate is Rs. 50,000), you can claim a tax deduction of Rs. 25,000 (50% of Rs. 50,000). View key features of Rajiv Gandhi Equity Saving Scheme (RGESS).

Section 80D: Deduction in respect of Medical Insurance

Deduction is available upto Rs. 20,000/- for senior citizens and upto Rs. 15,000/ in other cases for insurance of self, spouse and dependent children. Additionally, a deduction for insurance of parents (father or mother or both) is available to the extent of Rs. 20,000/- if parents are senior Citizen and Rs. 15,000/- in other cases. Therefore, the maximum deduction available under this section is to the extent of Rs. 40,000/-. From AY 2013-14, within the existing limit a deduction of upto Rs. 5,000 for preventive health check-up is available.

Section 80DD: Deduction in respect of Rehabilitation of Handicapped Dependent Relative

Deduction of Rs. 50,000/- w.e.f. 01.04.2004 in respect of

Expenditure incurred on medical treatment, (including nursing), training and rehabilitation of handicapped dependent relative.

Payment or deposit to specified scheme for maintenance of dependent handicapped relative.

Further, if the defendant is a person with severe disability a deduction of Rs. 100,000/- shall be available under this section. The handicapped dependent should be a dependent relative suffering from a permanent disability (including blindness) or mentally retarded, as certified by a specified physician or psychiatrist. Note: A person with 'severe disability' means a person with 80% or more of one or more disabilities as outlined in section 56(4) of the 'Persons with disabilities (Equal opportunities, protection of rights and full participation)' Act.

Section 80DDB: Deduction in respect of Medical Expenditure on Self or Dependent Relative

A deduction to the extent of Rs. 40,000/- or the amount actually paid, whichever is less is available for expenditure actually incurred by resident assessee on himself or dependent relative for medical treatment of specified disease or ailment. The diseases have been specified in Rule 11DD. A certificate in form 10 I is to be furnished by the assessee from any Registered Doctor.

Section 80E: Deduction in respect of Interest on Loan for Higher Studies

Deduction in respect of interest on loan taken for pursuing higher education. The deduction is also available for the purpose of higher education of a relative w.e.f. A.Y. 2008-09.

Section 80G: Deduction in respect of Various Donations

The various donations specified in Sec. 80G are eligible for deduction upto either 100% or 50% with or without restriction as provided in Sec. 80G

Section 80GG: Deduction in respect of House Rent Paid

Deduction available is the least of

Rent paid less 10% of total income

Rs. 2000/- per month i.e. Maximum Deduction available is 24,000/-

25% of total income, provided
- Assessee or his spouse or minor child should not own residential accommodation at the place of employment.
- He should not be in receipt of house rent allowance.
- He should not have self occupied residential premises in any other place.

Section 80GGA: Deduction in respect of certain donations for scientific research or rural development

Section 80GGC: Deduction in respect of contributions given by any person to political parties

Section 80QQB: Royalty Income on patents.

Maximum deduction Rs. 3,00,000/-

Section 80RRB: Royalty Income to author of certain books other than text books.

Maximum deduction Rs. 3,00,000/-

Section 80 TTA: Deduction from gross total income in respect of any Income by way of Interest on Savings account

Deduction from gross total income of an individual or HUF, upto a maximum of Rs. 10,000/-, in respect of interest on deposits in savings account ( not time deposits ) with a bank, co-operative society or post office, is allowable w.e.f. 01.04.2012 (Assessment Year 2013-14).

Section 80U: Deduction in respect of Person suffering from Physical Disability

Deduction of Rs. 50,000/- to an individual who suffers from a physical disability(including blindness) or mental retardation. Further, if the individual is a person with severe disability, deduction of Rs. 100,000/- shall be available u/s 80U. Certificate should be obtained from a Govt. Doctor. The relevant rule is Rule 11D.

Deductions Allowable under Section 24 of Income Tax Act :

Where a housing property has been acquired / constructed / repaired / renewed with borrowed capital, the amount of interest payable yearly on such capital is allowed as deduction under Section 24 of Income Tax Act, subject to the limits stated below. Penal interest on housing loan is not eligible for deduction. If a fresh loan has been raised to repay the original loan and the new loan has been used only for the purpose of repaying the original loan then, the interest accrued on such fresh loan is allowed for deduction.

If the property is acquired or constructed with the capital borrowed on or after 01-04-1999 and such acquisition or construction is completed within 3 years of the end of the financial year in which capital was borrowed then the actual interest payable is allowed as deduction subject to a maximum Rs. 1,50,000/-.

In other case interest up to maximum Rs.30,000/- is deductible.

The ceiling of Rs.1,50,000/- or Rs. 30,000/- is only in case the property is self occupied. There is no limit on deduction of interest if the property is let out.

Disclaimer:

All efforts are made to keep the content of this site correct and up-to-date. But, this site does not make any claim regarding the information provided on its pages as correct and up-to-date. The contents of this site cannot be treated or interpreted as a statement of law. In case, any loss or damage is caused to any person due to his/her treating or interpreting the contents of this site or any part thereof as correct, complete and up-to-date statement of law out of ignorance or otherwise, this site will not be liable in any manner whatsoever for such loss or damage.

The visitors may visit the web site of Income Tax Department for resolving their doubts or for clarifications.

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How to make baby corn soup?

2013-07-12T15:56:00.000-07:00

Baby corn soup is one of the famous Indian continental recipes widely available in all restaurants. Baby corns are rich in fiber and helpful for digestion problems. Baby corn soup is yummy and acts as appetizer before lunch or dinner.

Ingredients:

Baby corn paste (after boiling): ½ cup

Baby corn stock: 1 cup (water left after boiling)

Corn flour: 1 tsp

Garlic pieces: 1 tsp

Cheese: 1 tsp

Pepper: 1 tsp

Biryani leaf: 1

Salt: sufficient

Procedure:

Take a pan add cheese in to it heat well then add biryani leaf in to it.

Add garlic pieces fry it for some time until it turns into golden colour.

Add baby corn stock & some water cook for some time.

Add sufficient salt and pepper, heat well and then add baby corn paste and heat well

Finally mix 1 tsp corn flour powder in to that mixture and cook by stirring it continuously for 2 minutes.

Serve hot

That’s all your tasty – tasty “Baby corn soup” is ready to serve.

How to make Egg drop soup?

2013-07-12T15:53:00.000-07:00

Egg drop soup is another tastiest continental soups which can be made at your house. Try the following steps and prepare egg drop soup for your breakfast or dinner.

Ingredients

Egg white: 2-3 tsp

Garlic pieces: ½ tsp

Biryani leaf: 1

Chicken or vegetable stack: 1 cup

Cheese: 1 tsp

Spring onion: 1 tsp

Salt: sufficient

Pepper: ½ tsp

Procedure:

Take a pan add cheese in to it and heat well then add biryani leaf.

Add garlic pieces fry it for some time until it turns into golden colour.

Add chicken or veg stack and pour sufficient water cook for well for 3 minutes.

Sieve the above liquid in to another pan and then add sufficient salt and pepper.

Finally add egg white like drops and cook for 1minute

Serve hot

That’s all your evening becomes more tasty with “Egg drop soup”

How to make Dhania Kaju Chicken curry?

2013-07-12T15:18:00.000-07:00

Chicken curry will be tasted excellent when Kaju (cashew) and dhania are added. Here is one of the best chicken indian recipes that can be tried at your house. Follow these steps to prepare Dhania kaju chicken curry. Prepare Chicken biryani to taste it.

Ingredients:

Chicken: 250 gm

Kaju paste: ½ cup

Dhaniya leaves: ½ cup

Onion pieces: ½ cup

Green chilies: 4

Ginger-garlic paste:1 tsp

Dhaniya powder:1 tsp

Masala powder: 1 tsp

Lemon juice:1 tsp

Salt: sufficient

Turmeric powder: 1 pinch

Procedure:

Prepare paste of Dhaniya leaves with green chilies and add some salt.

Marinate the chicken with the above ¾ of prepared paste, salt, lemon juice and turmeric powder - leave aside for 15 min.

Take a boil on stove, pour sufficient oil then add onion, ginger-garlic paste and add remaining dhaniya paste, then cook for 5 min. Then add Dhaniya powder.

Next add the marinated chicken pieces into it and then cook for 10 min.

Finally add the kaju paste and add sufficient water. Cook for 5 min.

That’s all - your tasty-tasty Dhaniya Kaju Chicken curry is ready to taste.