[New post] Poofness 3-31-13…”Now the Phoenix Rises”

kauilapele posted: "Greetings and Salutations; So, I see some of you had your heads blown about some mis/dis...put out by a couple of the talking heads, one is certain to be a talking head for the cheney group. Therefore, we're still looking for weapons of mass destruction " New post on Kauilapele's Blog Poofness 3-31-13…”Now the Phoenix Rises” by kauilapele Greetings and Salutations; So, I see some of you had your heads blown about some mis/dis...put out by a couple of the talking heads, one is certain to be a talking head for the cheney group. Therefore, we're still looking for weapons of mass destruction in Iraq. I bet when he passes and get's his karmic payment for deeds done, he'll be arguing for his rights to tell those lies. What happened to 'debt doesn't matter?' Common sense says it matters to they you owe. Mr wanta has backup to getting that 27T spread out. The other signatory is setting on ice right now, ready to initiate the reagan/mitterrand protocols. Because they've tried to kill the man on a few occasions, he thought it best to remain where he is until the all clear is sounded. As the phoenix rises, the eggs will start cracking open and you'll notice, the world will notice...one thing that will be noticed is folks exchanging their dinars and dongs. RVs Have to happen, new banking system based on precious metals, the rvs happen accordingly. Something this huge can't be laid on the head of the president or a prime minister. All have signed off as the docs have been presented. They all need the money...duh! Old banking is over, the robber barons of banking are looking at their waterloo. Go with the flow or be jobless and black balled from ever being in banking again. BTW, the one person not screaming about anything out here is Lee Wanta, think the man knows something? If you can, catch 'wanta be free', published interviews with him. Butts are puckering in Wisconsin. This is the end of the long march to true freedom and every fate ego will be dumping crap on the net so you lose your mind or confuse you. I'm really Not the roses and feel good messenger I have been portrayed, I have know the truth for years now, I was put in this position because 'my hand was too heavy' as I was told, liars and thieves are simply that and I'm not in the game of redemption. Take that up with your maker. I'm about removal and freedom, real freedom not that 'patriotic' garbage. The meaningless prattle coming out of DC. Everybody gets their own vine and fig tree, remember, unless the dragons, etc, did what they did with the less than nice guys. You'd have got your money and the bad guys would have just stole it back. Some things you Have to use explosives on! Nothing like somebody in a $5000 suit sitting in prison, eating gov cheese and drinking powdered milk. That's justice. How's that working out for ya fellas? Consultations until the door bell rings. Have fun. Be a baby phoenix and rise, baby, rise Love and Kisses; Poofness kauilapele | 2013/03/31 at 10:31 | Tags: Poof, Poofness | Categories: ascension | URL: http://wp.me/p1dHgy-57n Unsubscribe or change your email settings at Manage Subscriptions. Trouble clicking? Copy and paste this URL into your browser: http://kauilapele.wordpress.com/2013/03/31/poofness-3-31-13-now-the-phoenix-rises/ Thanks for flying with WordPress.com

Local Veterinary Clinics - A Professional Outlook

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Prajna Capital

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• How to get started on next year Income Tax Planning ?
• Insurance Plans to Save Tax - Do not Rush to Invest
• Sell Mutual funds that do not perform well

How to get started on next year Income Tax Planning ? Posted: 31 Mar 2013 01:12 AM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India) Check and review last year's return. This is to ensure you won't miss out on any deductions and credits in the current year. Get organized by setting up a simple file system, and separating your information by type, income, deductions, credits and so on. Keep track of all your expenses and retain receipts even though you don't necessarily have to submit them with your return. Keep more of your year-end pay cheques by equitably distributing the deductions across the 12 months. Make your tax payments on time if you are self-employed and required to pay tax instalments during the year. This way you'll also avoid interest and penalties.   Perform a check-up on your financial health by reviewing your overall financial plan. It's easier to measure your results against objectives when every aspect of your financial life is laid out before you. Consider taking help of a professional tax preparer. It does cost some money but consider the amount you can save in taxes and anxiety. And in case of a dispute, your preparer can represent you at the Income Tax department. One tax-saving strategy you shouldn't ever overlook: Be sure to talk to your professional adviser to ensure you take full advantage of every tax-reducing opportunity available to you. Well, maybe it's a little too late to practise early tax preparation this fiscal. But try it out next year and you will certainly keep more of what you earn. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Insurance Plans to Save Tax - Do not Rush to Invest Posted: 30 Mar 2013 11:55 PM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)   Investments should be made only after evaluating the return on investment scenario, including potential tax gains You hardly have two weeks to finalise your tax saving plan before the deadline on March 31. If financial advisors are to be believed, many individuals think of tax planning only in the last two weeks of the month of March. They also quickly add that these individuals often fall for unscrupulous tactics of their insurance agents or personal bankers. It is only much later that they realise the folly of buying wrong products. Many people look at such investments merely as tax-saving tools. Also, as they have very little time to evaluate the product features, they are bound to make mistakes. The right approach is to make investments that are suitable for you, after you evaluate them from a return on investment perspective, including the potential tax benefits. In other words, the obsession with preventing the tax dent on your savings could, in fact, cause long-term harm to your finances. If you are in this group, here are some tips that may help to avoid some common mistakes this year. IGNORING ELIGIBLE TAX BREAKS Thanks to extensive campaigns and incessant calls from distributors, most tax payers are aware of the tax deduction of up to . 1 lakh that they can claim under Section 80C. Most individual focus entirely on this deduction and overlook other investments or expenses that qualify for tax breaks. For example, many people don't include Employees Provident Fund (EPF) contribution or tuition fees paid for their children in their tax planning. Take a look at your salary statement and tax statement given by your company before finalising your tax plan this year. In fact, according to experts, many individuals may not be required to make any large additional investment if they take into account their EPF contribution and life insurance premiums. Remind yourself that the Income Tax Act provides several other avenues to save taxes. For instance, if you are paid house rent allowance (HRA), but do not pay rent as you live with your parents, you can still claim the deduction. You can enter into an agreement with your parents and pay the rent. However, remember, the amount will be treated as their income. Moreover, you can also avail of deduction up to . 15,000 (. 20,000 in case of senior citizens) under Section 80D if you are paying your parents' health insurance premium. You can even claim tax breaks on your expenses on preventive health check-up for yourself and family. Although it is a part of section 80D, this deduction deserves a special mention as it was introduced only this year. If you have receipts of any preventive health check-up expenses undergone this year, make sure you preserve them. This year onwards, such check-ups will earn you deductions of up to . 5,000. Since this is a new tax-saving avenue, introduced in last year's Budget, many people may not be aware of this deduction. THE LURE OF COUNTLESS INSURANCE POLICIES If you look at the portfolio of most individuals who subscribe to last minute tax planning, you would really think that buying life insurance policies is their favourite pass time. In fact, many of these individuals fall for the sales pitch of "tax saving plus insurance cover plus return". Remember, buying a life insurance policy is not a one-time affair, unless it is a single premium policy. It may help you save taxes this year, but you will have to shell out the premium every year for the next 10-20 years. If you fail to pay the premiums on time, your policy will lapse depriving your family of the life cover. Besides, it is a long-term product which will yield decent returns only after, say, 10 years. Therefore, if you surrender it after the mandatory lock-in period of five years, you may not get a satisfactory corpus. If you have dependants, go for a term policy. It will provide a large sum assured at a very reasonable cost, in addition to tax benefits. However, in case you are convinced about the insurance-cum-investment policies, buy them only if you are confident of paying premiums every year. FAILING TO MAXIMISE RETURNS Public provident fund (PPF) --- one of the favourites with tax-payers ---is widely accepted as an ideal retirement planning tool for conservative individuals. After all, it fetches a tax-free return of 8.8% today. However, many make the mistake of investing money into PPF at the last minute. If you do so, you lose the opportunity of maximising the return. If you want to maximise returns from PPF, ensure that you invest before the 5th of every month to earn interest for that month. If you are putting a lump sum amount in tax saving mutual fund schemes, or ELSS, this year, you could remember this principle next year. If you open a systematic investment plan in an ELSS in the beginning of the month, you will benefit from averaging of your purchase cost and it will help you maximise your returns. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFundsInvest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Sell Mutual funds that do not perform well Posted: 30 Mar 2013 10:25 PM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)    More than 6,000 crore of investors' wealth is in 10 underperforming Mutual funds Vaibhav Sharma is hoping that the mutual fund he invested in, in July 2007, will turn around some day and he will be able to recoup his money. The NAV of the SBI Infrastructure Fund (originally SBI Infrastructure Series 1) has never risen above its NFO price of 10 ever since it became open-ended in July 2010. He is not the only one waiting for a miracle. Millions of people, who invested in the SBI Infrastructure Fund and other underperforming schemes, are making the same mistake. Even though these funds have underperformed their benchmark indices and their respective categories in the past 3-5 years, investors continue to cling on to these in the hope of better days ahead. More than 6,000 crore of investors' wealth is languishing in just 10 of these laggards (see table). An equal amount may be stuck in scores of smaller funds that have not generated significant returns for investors in the past 5-6 years. It's something that market regulator Sebi is also concerned about. It has pulled up fund houses for the underperformance and even hinted at stricter norms for laggard funds. It wants to know why these underperforming schemes should charge an expense ratio if they have failed to generate even the same returns as their benchmark indices. As far as underperformance goes, infrastructure funds are the biggest villains. To be fair, the sector has performed poorly in the past 5-6 years, which is reflected in the poor returns of infrastructure funds. However, some schemes have managed to buck the trend. The Franklin Build India Fund, for instance, has churned out a return of 17.5%, even as the average fund has lost 2.2% in the past year. However, critics point out that some infrastructure schemes have done well largely because they have invested in non-infrastructure stocks as well. They should not be seen as thematic funds but quasi-diversified schemes. If the infrastructure sector has not done well, does it make sense to remain invested in it? After all, the CNX Infrastructure index has fallen nearly 11% every year in the past five years. Shifting out when the sector is at a low can be risky because you may end up redeeming at the bottom. We see better days ahead for the infrastructure and capital goods sectors. While patience is certainly a virtue when it comes to equity investing, it should not mean that investors lose sight of their funds' performance compared with their peers and the broader market. Choosing a good fund with a brilliant track record doesn't imply that your work has ended. In 2007, Reliance Vision was among the most highly recommended diversified equity funds. Today, it is floundering, having consistently underperformed its benchmark in the past 1, 3 and 5 years. They should also remember that there is a fundamental difference between exiting an underperforming fund and selling a loss-making stock. A stock may be down because of a number of reasons—fundamental, technical and sentimental. If the fundamentals are intact, any dip in the price is likely to be short lived and the stock will eventually bounce back. If you sell a stock when it is down and reinvest elsewhere, you could miss out on the gains when it rebounds. Besides, there is no guarantee that the scrip in which you reinvest the proceeds will also rise. It could be a double whammy if this scrip falls even as the stock you had exited takes an upward trajectory. However, none of this applies when you move out of an underperforming mutual fund. If it has been consistently lagging the benchmark and category, it is time to get rid of it and shift to another scheme. If you transfer the investment to another plan, you will not miss out on the gains when the market moves up. In fact, there is a greater chance that a good scheme will outperform the market while the laggard will fall behind. So, dispose of the loss-making investment before you pile up further losses. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax PlanInvest Online HDFC TaxSaverInvest Online DSP BlackRock Tax Saver FundInvest Online Reliance Tax Saver (ELSS) FundInvest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) FundInvest Online SBI Magnum Tax Gain Scheme 1993Invest Online Sundaram Tax SaverInvest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver Mutual Funds Invest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

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