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How to understand your employees and keep them happy

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Know How to Avail an Additional Income Tax Deduction of Rs.3.5 Lakh on Home Loan

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By 2025, real estate sector in India is expected to contribute 13% of total GDP of the country. To live up to this expectation, various affordable housing schemes and tax benefits are on offer for prospective home buyers.

Income tax benefit on home loans can help buyers substantially reduce the income burden. The income tax act of India, 1961 has dedicated provisions for this cause, with various tax exemption clauses. These include –

  • Section 80C of ITA states that the funds used for repayment of the principal home loan amount can be exempted from income tax. The exemption is applicable for up to Rs. 1.5 Lakh every financial year. Any amount exceeding this is subject to standard taxation.
  • Section 24(b) provides a tax exemption on the interestrate payable on the total loan amount. This benefit is given for interest payments of up to Rs. 2 Lakh every financial year.
  • Section 80EEA is also dedicated to reducing the burden of interest on the borrowers. You can get an additional Rs. 1.5 Lakh on your total disposable income as the tax is exempted. Note that this tax waiver is only applicable till 31st March 2020 for properties of up to Rs. 45 Lakh.
  • In case of top up loans, an additional tax waiver Rs. 30,000 can be availed on the interest liable.

You can easily calculate the total tax waived on your home loan repayments using a home loan tax benefit calculator.

However, several other criteria need to be satisfied to avail these policies for tax saving on home loans.

  • Exemptions are only applicable if the property has already been constructed, and is utilised as a residential property.
  • If the borrower sells the property after 5 years of ownership, the tax benefits will become invalid. If the returns are already disbursed, the exemptions are reversed and added to the following year’s income.
  • In case the house is given on rent, the entire home loan interest is waived off from tax exemptions.

Ensuring you fulfil the above mentioned restrictions, you can easily apply for the returns – by yourself, or through your employer. Having the home loan interest certificate at your disposal will smoothen this process by a significant amount.

The number of home loans acquired is increasing in number, mainly due to these benefits of tax waivers, reasonable housing loan interest, and subsidised rates at which you can avail home loans via government sponsored policies.

If you are a prospective home buyer, you should make a note of these exemptions to benefit from them. Additionally, you should also follow up on pointers which can help you avail a home loan at the most beneficial terms and features.

Home loan eligibility and documentation

You can quickly calculate your home loan eligibility by checking whether you satisfy the following criteria. Note that applicants should be between 25 and 65 years of age. A CIBIL score of 750 and above can help individuals avail competitive interest rates as well as other beneficial loan terms and features.

Also, salaried applicants must have at least 3 years of working experience while self-employed individuals must showcase a business vintage of 5 years.

These are among the few things you must know before taking a home loan. Avail the tax benefits for substantial savings over the repayment tenor. Refer to lenders who provide not only attractive rates of interest but additional repayment-friendly terms and features as well.

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What Can an Online Marketing Company Do for Your Business?

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The ways in which businesses choose to promote themselves are constantly changing. Twenty years ago, very few people used the World Wide Web to promote their company; ten years ago, very people understood the importance of social media as a marketing tool, but in the current business climate, it is important to try to utilise both. In a constantly changing business environment, it can be hard for small business owners to keep up-to-date with the latest internet marketing strategies, and it can be even harder for them to implement these strategies competently. The whole process can be very time consuming. If you are not fully trained or do not have much free time, it is a great idea to use an online marketing company.

Most good marketing companies will provide each business customer with a dedicated account manager, who will ask questions about the clients’ specific aims and will try to learn as much about each individual business as possible. Working with an account manager can help to give the customer as much input as possible, whilst allowing the online marketing company to understand the needs of the individual client. Account managers can also help to develop a strategy which can be implemented within your budget. They help to give each user a personalised service and having an account manager who knows about your company means that you won’t have to re-explain yourself every time you contact them.

Online marketing companies also use experts in search engine optimization (SEO), who are trained to understand the ways in which major search engines work. They will be able to make sure your webpage is highly visible and that it will be one of the first search results that are returned for when certain keywords are searched for. These experts will help you rewrite and re-format your website so that it is full of SEO-rich content, including the appropriate Meta tags and keywords for your company. In order to create a successful website with a high volume of traffic, it is essential that you hire somebody who understands how to use SEO.

Whilst some online marketing companies specialise solely in internet marketing strategies, it is also possible to find companies which will be able to come up with a marketing strategy that incorporates traditional marketing strategies as well. These marketing companies can be a good choice for growing local businesses who want to make their physical presence known in the local area, as well as over the internet. Traditional and online marketing companies are paid to think outside the box to develop new strategies which will help your company to stay ahead of the game.

Online marketing is far more complicated than simply creating a company website containing information about your business. An effective strategy can include targeted emails, viral videos advertising and article marketing, amongst other things. Online marketing strategies can be very differ to traditional marketing strategies and if you have not had any experience in marketing a company over the internet you should always turn to an online marketing company to promote your business.

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Safety Tips for Winter Road Trip – the Best GPS Tracker for Car No Monthly Fee to Buy

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Do you have a plan to drive on a long trip this winter? Well, that will be very fun. However, it will be very challenging since the roads are slippery because of snow and ice in the season. Additionally, driving on a long trip also requires more tools to improve your car’s safety and one of them is GPS tracker. So, what you need to know about the safety tips for winter road trip? And what is the best product of GPS tracker you can buy for your winter trip?

 

Winter Road Trip – Simple Tips to Follow

To safely conduct your winter trip, there are several things that you have to put into consideration. Make sure that you know about the advisories mean used for certain conditions in winter. This is also important for you to stock your vehicle with winter essentials. Make sure that you bring winter equipment such as ice scraper, warning devices, shovel, blankets, jumper cables, and non-perishable food with high calories. It is also very helpful if you can keep charged batteries for smartphones in your vehicle. Make sure that you drive slowly during the trip to improve your safety. To avoid any accident, you also need to maintain plenty of space between your car and other vehicles. But, what if you get stuck in the snow? Well, the best thing you can do is stay in your car and make it your best shelter. You need to keep in mind to not leave your car unless you can find help within 100 yards. Having a GPS tracker installed in your car can also be very helpful.

 

GPS Tracker to Choose

One of the best things about buying a GPS tracker today is that there are product options without a monthly fee that you can choose. Unlike the ones with a monthly fee, the GPS tracker for car no monthly fee comes with more benefits to enjoy. This kind of GPS tracker will make it possible for you to only pay once for the tool itself. Additionally, there will be no extra cost afterward that you need to pay over the product you buy. So, are you ready to purchase your GPS tracker? Here is the list of the best personal GPS tracker no monthly fee that you can find in the market.

 

goTenna Mesh

The first best GPS tracker in the list is goTenna Mesh. The device can be used not only for real-time tracking but also for communication. This goTenna Mesh will be a valuable assistant when you are in a remote area or having a long trip in winter. The device works with goTenna App. You will be able to share your GPS locations and send voice messages by using the application. So, you can get help soon once you are in trouble while on your winter trip.

 

Radacat Team Messenger C1

The device will make it possible for you to communicate with other users and get the accurate location of your beloved ones when cell services are not available. The Radacat Team Messenger C1 will provide you with a private network so that you can share your real-time location without a monthly fee. The “Shake to Talk” feature offered by the device will enable you to send voice messages. Interestingly, you can do it simply by shaking your smartphone!

 

GoFindMe GPS Tracker

Another best personal GPS tracker no monthly fee in the list is GoFindMe. The private network environment offered will make it possible for you to send messages WiFi network, trace your vehicle, and share your real-time locations with other device users. Additionally, there will be no SIM card needed to operate this GPS tracker. The other benefits offered by this device include the SOS button, geo-fence to set safe zones, battery life up to 48 hours, multiple offline map options, and more.

 

iTrail GPS Logger

This iTrail GPS Logger is a good alternative if you are looking for the best GPS tracker without a monthly fee. With a small size, you will find it easier to install the device in whatever part of your vehicle. Not only help you track the location of your vehicle, but the iTrail GPS Logger can also record data and tracking traces on Google Map and Google Earth.

 

Beartooth

If you are having a trip in the area without cellular network, this GPS tracker for car no monthly fee can be one of the perfect options to take. All you need to do to use the device is just download the Beartooth application. The tool will allow you to send PPT voice, messages, create groups, locate other users on the offline maps, and more.

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