Tax Ready Reckoner for Investments for FY 2015-2016

Tax Ready Reckoner for Investments - FY:  2015-16:

EQUITY:

Stocks:

1. If you hold on to them for a year, the long-term capital gain is tax free
2. Short-term capital gain is taxed at 15%
3. Dividends are tax free

DEBT FIXED INCOME INSTRUMENTS:

Savings a/c:

1. Interest up to Rs 10,000 is tax free, taxed at slab rate after that
2. TDS not deducted on savings interest.

Fixed deposits:

1. Full interest taxed at slab rate
2. TDS of 10% if interest in any financial year crosses Rs 10,000

Recurring deposits:

1. Full interest taxed at slab rate
2. TDS wef. this FY, the interest on RD is also subject to TDS like F.D.

Tax-free bonds:

1. Full interest is tax free
2. The long-term capital gain (after holding for 1 year) taxed at 10%
3. Being interest bearing instruments, no indexation benefit allowed
4. Short-term capital gain taxed at marginal rates.

Normal bonds and debentures:

1. Full interest taxed at slab rate TDS of 10% if interest in any financial year crosses the Rs 5,000 mark
2. The long-term capital gain (after holding for 1 year) taxed at 10%
3. Being interest bearing instruments, no indexation benefit allowed
4. Short-term capital gain taxed at marginal rates.

MUTUAL FUNDS:

Equity funds:

1. Long-term capital gain (after holding for 1 year) is tax free
2. Short-term capital gain is taxed at 15%
3. Dividends are tax free

Arbitrage funds:
(Provided they maintain equity fund status)

1. Long-term capital gain (after holding for 1 year) is tax free
2. Short-term capital gain is taxed at 15%
3. Dividends are tax free

Equity oriented balanced funds:

1. Long-term capital gain will be tax free
2. Short-term capital gain taxed at 15%.
3. Dividends are tax free

Debt funds:

1. Long-term capital gain (after holding for 3 years) is taxed at 20% after indexation
2. Short-term capital gain taxed at marginal rates
3. Dividends are tax-free in the hands of the investor, but scheme pays a very high dividend distribution tax of 28.32%

Debt-oriented balanced funds:

1. Long-term capital gains (after holding for 3 years) taxed at 20% after indexation
2. Short-term capital gain taxed at marginal rates
3. Dividends are tax-free in the hands of investors, but scheme pays a very high dividend distribution tax of 28.32%

Gold funds:

1. Long-term capital gain (after holding for 3 years) taxed at 20% after indexation
2. Short-term capital gain taxed at marginal rates.

GOLD:

Gold bullion and ornaments:

1. Long-term capital gain (after holding for 3 years) taxed at 20% after indexation
2. Short-term capital gain taxed at marginal rates.

Gold bonds:

1. Small interest received in the middle will be taxed at slab rates
2. Long-term capital gains (after holding for 1 year) taxed at 10%
3. Being interest bearing instruments, no indexation benefit allowed
4. Short-term capital gains taxed at marginal rates.

INSURANCE:

Endowment policies
1. Final proceeds tax free if premium in any year did not exceed 10% of the sum assured
2. TDS of 2% if the total receipt crosses Rs 1 lakh in financial year
3. Investors should consider service tax paid on premiums also while calculating returns
4. For endowment plans, it is 3.5% for first year's premium and 1.75% for the renewal premium.

ULIPS:

For ULIPs, service tax is 14% on all charges (like mortality charges, AMC fees, switch fees, etc)

REAL ESTATE:

1. Rent received (or notional rent for the locked up second home) are taxed at slab rate
2. Deductions available for rent includes property tax, repair costs, home insurance, etc
3. The long-term capital gain (after holdiing for 3 years) is taxed at 20% after indexation
4. Short-term capital gain is taxed at the marginal rates.

REAL ESTATE INVESTMENT TRUST (REIT):

1. Long-term capital gain (after holding for 1 year) from REIT units listed and traded in stock exchanges will be tax free 2. Short-term capital gain from REIT units listed and traded in stock exchanges will be taxed at a lower rate of 15%
3. REIT will be pass- through vehicle and is not liable for any income received by it
4. Rents received by REIT and distributed will be taxed at the hands of investors as rental income
5. Interest received by REIT and distributed will be taxed at the hands of investors as interest income
6. Dividends received by REIT and distributed will be tax free in the hands of investors.

Securities Transaction Tax (STT): STT is levied on stocks and equity mutual funds in lieu of tax-free dividends and also lower capital gain taxes. Equity mutual funds are defined as schemes that maintain more than 65% equity exposure and because of that, equity oriented balance funds and arbitrage funds also comes under this category.

Dividend distribution tax (DDT): The mutual fund dividends are tax-free, but there is a dividend distribution tax (DDT) applicable for debt mutual funds. The high DDT (works out to be 28.32% now) has taken the sheen out of the dividend options in debt mutual funds.

Indexation benefit: While computing long-term capital gain (LTCG), indexation benefit is provided as compensation against inflation. For example, if the LTCG is 10% p.a. and the inflation is 7% p.a., you need to pay tax only on 3% additional gains. Indexation benefit is not available for instruments that have interest components.

Body Pain and Linked Emotional States

12 Types Of Pain That Are Directly Linked To Emotional States

According to some doctors, psychologist emotions do affect chronic pain.
They say that chronic pain, beside physical injury, may be caused by stress and emotional issues.

Let’s take a look what does the pain say about person emotional states?

✨Head

Headaches can be caused by stress life. If someone has chronic headaches she/he needs to grab some time for themselves on daily basis. Relaxing may help you to relieve your body from the head pain.

✨Neck

Neck pain implies the need to forgive. It may be to forgive yourself or to forgive to some other person. It is very important to focus on things that you love about yourself or what others love in you.

✨Shoulders

Pain in the shoulders is sign that person carries a heavy emotional burden. Shoulders carry everything. To solve this problem share the load with friends or family.

✨Upper Back

Upper back pain manifests lack of emotional support. Probably the person is holding back feelings or doesn’t feel appreciated. Just talk about your feelings with your partner or close friend.

✨Lower Back

Pain in the lower back shows that person has financial worries. Sit down and focus on managing money.

✨Elbows

Elbow and arm pain signifies a lack of flexibility. Try not to resist the natural changes in your life.

✨Hands

Pain in the hands may be caused by a lack of friends. Try to meet new people.

✨Hips

Fear of change, moving or waiting on a big decision can cause the hip pain. Make the changes step by step.

✨Knees

Pain in the knee is a sign of high self-esteem. Maybe you should try to do some volunteering work and remember no one is perfect.

✨Calves

Calf pain is caused by stress, emotional tension or jealousy. Maybe it is time to let go the jealousy or any big stressor in your life.

✨Ankles

Pain in the ankle means that you need more pleasure in your life. Try to enjoy the little things and every moment in your life.

✨Feet

Foot pain occurs if you fight with depression. Depression is a specific disease, but for a start try to find a new hobby or just adopt a pet.

Source : multiple web sources

Dreams Interpretation of the Symbol with Meanings

In the below excerpt, There are some of analyses of the different characters, objects and emotions that appear in our dreams. The interpret the meanings of such symbols are derived from various sources on the net.



Some words and there interpretation are provided below,  do comment if you feel there is change or any addition is required in the list :

Abuse: There may be a dispute between you and the person with whom you do business. Take heed and be not slack in your attentions.

Accident: Personal afflictions may be inevitable.

But you will remove soon from the trouble.

Accuse: This is a sign of great trouble. You will acquire riches by your own personal efforts.

Adultery: Troubles are approaching. Your prospects may be blasted. Despair will catch hold of you.

Advancement: A sign of success in all that you undertake.

Advocate: A dream that you are an advocate indicates that you will be prominent in future.

You will win universal respect.

Affluence: This is not a favourable dream. It is indicatory of poverty.

Anger: The person with whom you are angry is your best friend.

Ass: All your great troubles, in spite of despairing circumstances, will end in ultimate success after much struggle and suffering.

Baby: If you are nursing a baby, it denotes sorrow and misfortune. If you see a baby that is sick, it means that somebody among your relatives will die.

Bachelor: Dreaming of a bachelor tells that you will shortly, meet with a friend.

Bankrupt: This is a dream of warning lest you should undertake something undesirable for you and also injurious to yourself. Be cautious in your transactions.

Battle: To dream of being in a battle means quarrel with neighbours or friends in a serious manner.

Beauty: To dream that you are beautiful indicates that you will become ugly with sickness and that you will become weak in body. Increasing beauty indicates death.

Birds: To see birds flying are very unlucky; it denotes sorrowful setback in circumstances. Poor persons may become better especially if they hear birds sing.

Birth: For unmarried women to dream of giving of birth to children, is indicative of inevitable adultery. For married women it indicates happy confinement.

Blind: To dream of the blind is a sign that you will have no real friends.

Boat: To sail in a boat or ship on smooth waters is lucky. On rough waters, it is unlucky. To fall into water indicates great peril.

Books: To dream of books is an auspicious sign. Your future life will be very agreeable. Woman dreaming of books will get a son of eminent learning.

Bread: You will succeed in earthly business pursuits. Eating good bread indicates good health and long life. Burnt bread is a sign of funeral and so is bad.

Bride, Bridegroom: This dream is an unlucky one. It indicates sorrow and disappointment. You will mourn at the death of some relative.

Bugs: This indicates sure sickness. Many enemies are seeking to injure you.

Butter: Good dream. Joy and feasting. Sufferings terminate quickly.

Camel: Heavy burdens will come upon you. You will meet with heavy disasters. But you will bear with heroism.

Cat: This is a bad dream. This indicates treachery and fraud. Killing a cat indicates discovery of enemies.

Cattle: You will become rich and fortunate. Black and big-horned cattle indicate enemies of a violent nature.

Children: See Birth.

Clouds: Dark clouds indicate great sorrows that have to be passed through. But they will pass away if the clouds are moving or breaking away.

Corpse: Vision of a corpse indicates a hasty and imprudent engagement in which you will be unhappy.

Cow: Milking cow is a sign of riches. To be pursued by a cow indicates an overtaking enemy.

Crow: This indicates a sorrowful funeral ceremony.

Death: This indicates long life. But a sick person dreaming of death has the positive results.

Desert: Travelling across a desert shows the inevitability of a long and tedious journey. Accompaniment of sunshine indicates successful journey.

Devil: It is high time for you to mend yourself. Great evil may come to you. You must pursue virtue.

Dinner: If you are taking your dinner, it foretells great difficulties where you will be in want of meals. You will be uncomfortable. Enemies will try to injure your character. You should be careful about those whom you are confiding.

Disease: If a sick person dreams of disease it means recovery from the same. To young men it is a warning against evil company and intemperance.

Earthquake: This foretells that great trouble is going to come, loss in business, bereavement and separation. Family ties are broken by death?quarrels in family and fear everywhere, heart breaking agony and disaster from all sides.

Eclipse: Hopes are eclipsed. Death is near. Enjoyment may be put an end to. There is no use of dotting on the wife, for life is coming to an end. The friend is a traitor.

All expectations will bear no fruit.

Elephant: Good health, success, strength, prosperity, intelligence.

Embroidery: Those persons who love you are not true to their salt. They will deceive you.

Famine: National prosperity and individual comfort. Much enjoyment. A dream of contrary.

Father: Father loves you.

If the father is dead, it shows a sign of affliction.

Fields: Very great prosperity. To walk in green fields shows great happiness and wealth. Everything happens good. Scorched fields denote poverty.

Fighting: Quarrels in families. Misunderstanding among lovers, if not temporary separation. A bad dream for merchants, soldiers and sailors.

Fire: Health and great happiness, kind relations and warm friends.

Floods: Successful trade, safe voyage for traders. But to ordinary persons it indicates bad health and unfavourable circumstances.

Flowers: Gathering beautiful flowers is an indication of prosperity. You will be very fortunate in all your undertakings.

Frogs: These creatures are not harmful. This dream therefore is not unfavourable.

It denotes success.

Ghost: This is a very bad omen. Difficulties will be overwhelming. Terrible enemies will overpower you.

Giant: Great difficulty to be encountered. But meet it with boldness. Then it will vanish. This indicates that you will have an enemy of the most dreadful character.

Girl (unmarried): Success, auspiciousness will come over you.

Hopes will be fulfilled.

God: This is a rare dream which few people experience. Great success and elevation.

Grave: Some friend or relative will die. Recovery from illness doubtful.

Hanging: If you are hung, it is good to you. You will rise in society, and become wealthy.

Heaven: The remainder of your life will be spiritually happy, and your death will be peaceful.

Hell: There will be bodily suffering and also mental agony. Great suffering due to enemies and death of relatives, etc.

Home: To dream of home-life in early boyhood indicates good health and prosperity. Good sign of progress.

Husband: Your wish will not be granted. If you fall in love with another woman?s husband, it indicates that you are growing vicious.

Ill: To dream that you are ill shows that you will have to fall a victim to some temptation, which, if you do not resist, will injure your character.

Injury: If you are injured by somebody else, it means that there are enemies to destroy you. Beware of them. Change of locality is desirable.

Itch: This is an unlucky dream. Denotes much difficulty and trouble. You will be unhappy.

Jail: If you dream that you are in jail it indicates that in life you will prosper. This is a dream of contrary.

Journey: This indicates that there will be a great change in conditions and circumstances. Good journey indicates good conditions and bad journey with troubles indicates a bad life.

King: To appear before a friendly king is a sign of great success, and before a cruel king is very unfavourable.

Lamp: Very favourable dream. Very happy life. Family peaceful. This dream is always of good signs.

Learning: You will attain influence and respect. Good omen to dream that you are learning and acquiring knowledge.

Leprosy: To dream that you have leprosy always indicates a very great future misfortune. Perhaps you have committed some crime to be severely punished by law. You will have many enemies.

Light: To dream of lights is very good.

It denotes riches and honour.

Limbs: Breakage of limbs indicates breakage of a marriage vow.

Lion: This dream indicates greatness, elevation and honour. You will become very important among men. You will become very powerful and happy.

Money: Receiving money in dream denotes earthly prosperity. Giving of it denotes ability to give money.

Mother: If you dream that you see your mother and converse with her, it indicates that you will have prosperity in life. To dream that you have lost your mother indicates her sickness.

Murder: To dream that you have murdered somebody denotes that you are going to become very bad and wretched, vicious and criminal.

Nectar: To drink nectar in dream indicates riches and prosperity. You will be beyond your expectations. You will marry a handsome person in high life and live in great state.

Nightmare: You are guided by foolish persons. Beware of such people.

Noises: To dream of hearing noises indicates quarrels in family and much misery in life.

Ocean: The state of life will be as the ocean is perceived to be in dream, viz., calm and peaceful life when the ocean is calm and troublesome life when the ocean is stormy, etc.

Office: If you dream that you are turned out of the office it means that you will die or lose all property. This is a very bad dream for all people.

Owl: Denotes sickness and poverty, disgrace and sorrow. After dreaming of an owl, one need not have any hope of prosperity in life.

Palace: To live in a palace is a good omen.

You will be elevated to a state of wealth and dignity.

Paradise: This is a very good dream. Hope of immortality and entrance into Paradise. Cessation of sorrows. Happy and healthy life.

Pigs: This indicates a mixture of good and bad luck. You will have great troubles but you will succeed. Many enemies are there, but there are some who will help you.

Prison: This is a dream of contrary. Indicates freedom and happiness.

Rain: This foretells trouble especially when it is heavy and boisterous. Gentle rain is a good dream indicating happy and calm life.

River: Rapid and flowing muddy river indicates great troubles and difficulties. But a river with calm glassy surface foretells happiness and love.

Ship: If you have a ship of your own sailing on the sea, it indicates advancement in riches. A ship that is tossed in the ocean and about to sink indicates disaster in life.

Singing: This is a dream of contrary. It indicates weeping and grief. Much suffering.

Snakes: You have sly and dangerous enemies who will injure your character and state of life.

Thunder: Great danger in life. Faithful friends will desert you. Thunder from a distance indicates that you will overcome troubles.

Volcano: Quarrels and disagreements in life.

Water: This indicates birth (of some person).

Wedding: This indicates that there is a funeral to be witnessed by you. To dream that you are married indicates that you will never marry. Marriage of sick persons indicates their death.

Young: To dream of young persons indicates enjoyment. If you are young, it indicates your sickness. You may die quickly.

source : Various web sites

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