Don't miss

Sunday, August 25, 2013

How to do fasting?


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.

Sunday, August 18, 2013

What is Origami?


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

Feel free to comment on this post

Sunday, August 11, 2013

What are the mistakes home buyers make ?


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.

Wednesday, August 7, 2013

How to make Andhra mango pickle ?


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.

Tuesday, August 6, 2013

How to make coconut besan burfi ?


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?

Monday, August 5, 2013

why we must wear seat belts ?


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

Thursday, August 1, 2013

What are allowable deductions of Income tax act?


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

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

  2. 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

  1. Rent paid less 10% of total income

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

  3. 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.

  1. 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/-.

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

  3. 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.

Feel free to comment on this post