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Want to Increase Home Loan Tax Benefits? Here Are Some Important Points

Home Loan Tax Benefits

Housing finance provided by leading financial institutions in India also comes with scope for improved savings if appropriately managed. Like, comparing the lenders for the best offer, adopting smart repayment methods to reduce total liability, opting for balance transfer facilities, etc. are some of these. One such popular option to look for is the tax benefits of housing finance.

The Income Tax Act specifies sections that make way for home loan tax benefits for individuals financing their home purchase via a housing credit. However, to maximise tax benefits on their home loan, borrowers can make use of a few handy tips.

Here are the ways you can maximise tax benefits on your housing advance.

  • Be a co-owner of the purchased property

Individuals can be one of the co-owners of the concerned property that is financed through housing credit, to avail maximum home loan tax benefit. Moreover, the property needs to be self-occupied, as well. After fulfilling these criteria, borrowers qualify for tax exemption on both repayable principal and interest accrued.

Understand it with the following elaboration. When it comes to loan repayment, it includes two components, i.e, principal amount and accumulated interest. As co-owners of a property, both borrowers are eligible for tax benefits of a maximum of Rs.1,50,000 towards their repayable principal amount individually as per Section 80C of the I-T Act.

Furthermore, each of the co-owners can claim a maximum deduction of Rs.2 lakh on the interest component of the repayment liability. The deduction can be claimed each year until the tenor completion.

Based on the property share, the entire interest amount is allocated between the co-owners. Nonetheless, if no share percentage is mentioned on the property document, the interest component of the EMIs is divided equally. Nonetheless, if the property is on rent, no deduction limit is imposed on interest payment. Co-owners can claim the total payout as housing loan benefits.

Other than principal and interest payment amounts, under Section 80C, co-owners can also avail home loan tax exemptions on registration and stamp duty charges. However, they need to file these charges in the same financial year in which these are paid. Property owners can divide these expenses and file separately to avail the highest possible deduction.

  • Be a co-borrower of the availed home loan

Other than being a co-owner of the purchased property, individuals should also be a co-borrower of the home loan to avail the tax benefits. If an individual is only a co-owner and not a registered co-borrower, then he or she can’t avail the tax benefit. Owners who are not registered borrowers don’t make any monetary contribution to the loan amount, thus not holding any claims to benefits. However, as a co-borrower, individuals are equally responsible for loan repayment. In the case of default payment, both borrowers are equally obligated as well. The risks and responsibility of loan repayment thus also entitles them to home loan tax benefits.

  • Complete the entire construction of the house

Finally, any home loan tax benefit can be claimed after the construction completes, and the property is ready for possession. From the financial year in which the construction is completed, individuals can be eligible for a tax deduction. Owners must note that there are no tax benefits for under-construction property. Nevertheless, paid interest during the under-construction stage can be claimed in the financial year in which the property is completely constructed in five equal installments.

Several conditions are needed to be met to avail tax benefits on home loans. Thus, to avail the maximum advantage, home loan tax exemptions and benefits should be on the fingerprints of every new and existing borrower. Besides these tax-benefits, financial institutions also tend to approve joint home loans as it increases the repayment capacity of borrowers.

As for maximising tax benefits on housing finance, individuals should look for the approved co-owner combinations while applying for a home loan. Financiers approve these loans only for specific combinations of co-owners of a property.

Also Read: Understand the Benefits That You Get on a Joint Home Loan

SEO Trends 2020 – 3 Factors to Watch Out

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In the next years, there are plenty of must analyze and develop SEO tactics for 2020.. One of the essential points to remember is the latest SEO trends. You must go through to check which new trends will come up and which old one will die.

The SEO strategies change with time, and it’s a bit difficult to keep up-to-date with all of the changes. Look for the latest SEO trends to stay at the top of the game.

Why is it needed to optimize your website with SEO trends?

SEO brings quality traffic who’s looking for a need you can resolve that results in higher conversions.

If you appear in the first results for various keywords, your business will be known as a leader.

Start offline sales with an online search by executing local Digital Marketing Strategies that will make your product or service appear in the first results for local searches and direct users to your local business.

It takes time to see your website on the first page, but once you are there, SEO helps you to maintain top position.

How to optimize your website with SEO tactics?

Let’s start up with these:

  • Voice Search
  • Visibility focus
  • Increasing E-A-T

Voice Search

Voice search may be a voice recognition technique that permits people to try to searches by speaking into the device rather than entering long queries. Google voice search queries have continuously increased over the years. So, it’s essential to develop and incorporate the voice search into your digital marketing strategy.

 

How consumers use voice search?

It’s important to keep up to date with the stats with the rise of the voice search technology. These techniques will enhance your business, so be prepared for it. Here are several major voice search statistics you need to know in 2020.

Statistics of Voice search in 2019

75% of smart-speaker buyers search for local businesses at least once a week.54% of people made a reservation for food and drink.46% have made an inquiry for the price of a particular product from local businesses.40% want to seek out out if a selected product is out there .35% of individuals book a beauty appointment

General Voice Search Predication 50% of whole searches will be voice searches by 2020.Almost 30% of all searches will be done without a screen by 2020.13% of all households owned a smart speaker in 2017. It is predicted to enhance to 55% by 2022.

Why Voice search SEO affect your business?

The use of the voice search has a direct effect on your marketing strategy, so your digital marketing policy has an immediate impact on your company’s success. Thus, voice search trends will affect your business.

Voice search with the desktop version, as well as the mobile version of a site with a voice search, will raise your ranking according to Google’s new mobile-first index.

Generally, 2020 may notice a rise in the number of voice searches. Because of this, it is required to optimize for long-tail keywords and keyword research to keep up with one of these significant trends.For such help you can use alternative to textsheet because textsheet.com is no more in working.

Visibility Focus

An important activity of SEO is increasing visibility, which means making it simple and easy to find you when people search for something you must serve. Visibility directly affects your ranking.

The more active your SEO efforts, the higher your ranking, and the better your visibility. The higher you rank on a search engine result page(SERP), the more clicks you get through your website.

 

A Reliable VPN Service Can Help Small Businesses in Finding their Groove Online

The recent SARS-II COVID-19 virus has traumatized the whole world, and everything is at a standstill. From the scenic and remote island of Fiji in the Pacific Ocean to the bustling Times Square in New York City, everything is locked down. There are enough reasons for everyone to be worried as the future of world economics looks bleak, and any revival looks a distant dream.

Businesses around the world look for solutions right now but can’t find one as there is uncertainty in any sector you talk about. There are many aspects for which companies need to check what resources they are using and how they are going to complete the work. Businesses are going through their most difficult and challenging phase, and the chances are that it will take some time before they will be able to bounce back. So, they need to think about ways through which they can cope up with the situation.

The World After the Virus Ends

While the complete end and eradication of the Coronavirus don’t seem any time soon, we all know that the dynamics of businesses will drastically change. Hundreds and thousands of companies will go bankrupt, and there are chances that even big conglomerates and multinational companies will face a tough task sustaining in the marketplace. And for the end-users and consumers are the products and services offered by them, life will be equally difficult for them as, after massive layoffs and salary cuts, their buying power will also be halved once this crisis will be over.

Many countries around the world use advanced technologies and equipment to run their business. That is the reason why they are still doing some kind of business online as they don’t depend on physical locations and stores for their business. But even then, there are several factors that can make the proceedings pretty difficult to handle for companies.

Let me offer you some insider details about the security aspect that will plague worldwide companies online even now and when this whole virus episode will be over.

The Security Aspect

Security-related to online business has always been one of the chief requirements for businesses worldwide. I am not talking about the current scenario; only online business is the only way through which companies are communicating with each other and their customers. And in the future, even without a pandemic again hitting the world’s economy, a secure online business through which companies can get in touch with their customers will be the preference for everyone.

VPN is one of the solutions for the problem business is faced due to the security hazard online. But there is one big problem with VPN services as the majority of the companies offering VPN are either based or owned by Chinese companies. And it is not just the Coronavirus I am talking about. Generally, companies in the West and in the US don’t want to indulge in any business activity especially related to it companies having Chinese owners.

 

What are the Risks Involved?

If you ask me, there are certain risk factors that are associated with the security aspects of businesses that will go for a VPN, which is owned by Chinese companies. One of the world’s largest technology companies, Huawei, has been banned by the United States for several months now. And it is not just their smartphones, but the technology that will be used in the 5G sets and telecommunication equipment is what is the basis of the ban.

US President Donald Trump is pretty vocal about how Huawei has been working on several of its networking products in the past. He even warned European countries so that they also take care of dealing with Huawei and other Chinese companies. And there is another risk that is associated with Chinese companies, and that is the surveillance by the Chinese government of its own citizens related to online browsing and any other activity like e-commerce.

Chinese companies are known to spy on their own citizens on the behest of their government. This is enough reason so that companies need to get any online services like VPN, secure email for cloud storage from reliable resources. There is always a risk of getting your confidential data and information in the wrong hands. So, there is no need for companies to get the services from suspicious companies who take the privacy of their customers for granted and just want to reap benefits from them.

What Companies Need to Do Now?

If you think that I have emphasized so much on China as this is some kind of evil country, it is far from reality. It all comes down to how China indulges in several practices that are not ethical, and they need to shy away from. But the Chinese companies always try to get the lion’s share of the market, and for this, they try to get to their goal by hook or by crook.

The point I want to make is that there are a host of options other than China too. And even certain countries which are not that tech-savvy and just try to get their hands-on customers like you through fraudulent activities and promotional campaigns. These companies try to offer services that look good but are average at best and are prone to services that are not reliable and don’t offer even 80-90% of uptime in case of online servers and poor show also for services like VPN.

Find a Trustworthy Company 

Don’t get intimidated or fooled by online ads claiming to be the best provider of VPN services. If you are among one of small businesses and startups and looking to find a service provider concerning VPN and similar services, you need to seriously think about good research. Companies looking for business VPN can get from many other companies, especially from those who are based in the US and European countries without much difficulty.

Over to you

If you need any clarification for an aspect mentioned in this blog that you haven’t understood, please feel free to ask. You can also offer your valuable feedback by using the comments section below.

Buy The Best Birthday Gift For Your Girlfriend

Girlfriends are really one of the most special people in your life. A smile in her face will automatically make you happy. Then sending gifts on her birthday will always maker you and her happy. It doesn’t mean how much money you are investing in a gift. But the gift you are sending should be a precious one.

You can even send her beautiful flowers. You can just go for the online flower delivery in Ludhiana. It is guaranteed that your girlfriend will really like it. This is flowers can be considered as one of the best friends for girls. So in this article, you will get information about different flowers and other gifts to give surprise to your girlfriend.

You will get information about the different flowers. This is because without the flower the birthday is nothing. For this just buy flower bouquet online.

Best Birthday gift your long-distance girlfriend

As you all know that if you love your girlfriend then the gift should be also special. So first you will be getting information about the different seasonal flowers which you can give your girlfriend. Yes, it is really impossible for you to go to the other place and give it to your girlfriend. So you can even buy flower bouquet online and they deliver to your girlfriend’s house.

Talking about the season flowers there are lots of flowers which are seasonal and you will get this in a specific season only.

Winter season

Suppose your girlfriend’s birthday is in the Winter season. In winter season there is very calm, relaxation and fog in the whole climate. So in this foggy and chilly climate, Amaryllis will fit the most. Their long stalk will really add a beautiful look in your bouquet. One of the best benefits of this Amaryllis is you will get many varieties of colours. In the bouquet, you can just add one colour only or you can just add many different colours depends upon your choice. For this, you can easily order flower online from the different sites that are available on the internet.

Spring season

Spring is really an awesome season. It will always give you feelings to have motivation in your life. The beautiful flowers that grow, the soft sunshine, the lushes of the tree and soft chimes of birds. Will always make you feel happy and fresh. If your girlfriend’s birthday is in Spring season. Then she can be considered as one of the lucky girls. In the spring season, it will be best if you can hive her Cala Lilies, Tulips or iris. These flowers are considered as one of the most predominant flowers. This will give you a gentleman personality and will always pretend that how much you love her.

Summer season

Summer is also really very much awesome. If in case your girlfriend birthday is in Summer season. Then you are lucky because summer seasons are the best know for the beautiful and colourful roses and roses are easily available everywhere. Don’t just go for the red roses because of it common and it is boring also. Go for colourful roses that include pink, white, purple, etc. Just go for a colourful bouquet of roses. It will definitely look good and beautiful. Apart from roses, you can also go for dahlias. Make your bouquet beautiful by going for the best online flower delivery in India.

These are all the Happy birthday flower which will refresh the mood of your girlfriend.

Apart from this if you want to go for the other gift then also you can buy for her. Some of the gifts include

Some kinds of expensive bags

As it is already mentioned that gift doesn’t see how much money you are spending on it. But then also if you want to go for expensive gifts then you can buy some kinds of branded bags that includes Gucci or Guess. These brands are very much expensive and your girlfriend will really like it.

Teddy bear

This one is the best most beautiful gift you can give it to your girlfriend. It can be most precious if you add a combo. Just add some bouquet flowers along with the teddy and cake delivery in Delhi. You can easily go for the online bouquet delivery from the different sites that are available on the internet. This will be the perfect looking combo and you should for it.

Conclusion

Birthday is really very much special everyone’s life and giving them a surprise is really one of our best gifts. So from here get all the ideas about Birthday gift for a special person in your life.

How to Hire PHP Developers for the Web Development Process

 

How to Hire PHP Developers for the Web Development Process

Several web developers capitalize on PHP for website development, and this trend is prevailing across the globe. However, you may want to know the reason for the popularity of PHP. In a highly competitive world, every enterprise looks forward to the growth of the online business, which is impossible without utilizing suitable resources. Quite naturally, a PHP developer can turn your business in a favorable direction. What you require is to hire PHP developers to expedite the process.

Prevalence of PHP

When you review the whopping popularity of PHP, you can focus on significant aspects. From the ease of using PHP and the ability to do anything with it, the numerous networks of this scripting language, and the development takes place in most of the nations make it a clear winner when it comes to website development. No wonder, enterprises look forward to hiring PHP developers.

Therefore, the creation of vibrant and self-motivated websites is taking the place of static websites, primarily due to enhanced features. The modern-day websites depend on the feature-rich PHP, and its share has superseded the eighty percent mark in most of the sites dominating the internet today. As an open-source scripting language, PHP is easy to understand. What can make PHP even more functional is a qualified developer with adequate knowledge and experience of working with this scripting language.

Although new technologies are gradually gaining pace, PHP is still one of the top ten programming languages across the globe. Read the following to known how to hire a dedicated PHP development service.

1.    Placement Boards

One of the easiest ways to get in touch with PHP developers directly is to look into the resumes of developers specializing in PHP in the placement board. Furthermore, you can also place the vacancy for developers on the board. If you find this search daunting with hundreds of resumes, you can check the country-specific job boards. This method of finding a developer directly is preferable as you can communicate with developers right away and get affordable rates as well. However, the major drawback of this method is the time it takes to search for a developer.

2. Check the experience and portfolio

Irrespective of the source of finding a PHP developer, you can judge the reliability of the coder based on their experience. Based on the background, you may come to know the knowledge and skill of the coder. The portfolio of work of the developer is another aspect you cannot miss as it provides an idea about the projects the coder has handled in the past. Moreover, you come to know how the developer has dealt with the projects.

3. Communication skills and knowledge of technology

The developer you hire must not only understand the PHP enterprise framework but different styles of messages, such as web, audio, video, email, and phone. In various cases, the level of communication between the enterprises and developers over the messaging apps become a more effective mode of communication than the comprehensive emails. You must also find out whether the developer can follow commands in English.

Before zeroing the list of PHP developers, you must not miss the technical knowledge of the developer as it ensures that the coder has the necessary skills to deliver your project. Besides this, you should also try to find out the training and classes of the PHP web development service to employees to allow them to stay updated with the recent trends and enhance their knowledge base.

4. Knowledge of raw PHP, frameworks and tech debts

Due to numerous frameworks of PHP, you should consider the phase of your project and the validity of your idea for development. If you intend to get the project completed within a few weeks, check with users for raw PHP. Thanks to the availability of PHP developers who can handle your projects right away without charging exorbitant money. However, no one except the developer can understand the code. If you want a long-term code, using a PHP framework is the best choice.

Apart from this, it is necessary to choose a PHP framework before working with a developer. Once you decide the framework, you can perform in-depth research into the hourly rates of professionals or consult with a specialist on how to choose the best framework.

Know the goals

You must always describe the project goals with the developer before they start working on your projects. The higher are the specifications, the better it is to get estimates from them and the codebase they need to use. While the skill sets of PHP developers matter a lot at the time of hiring, the attitude of the coder can make or break the deal. The best PHP development professional should quickly adapt to changing scenarios and know more about new technologies.

 

What is Microsoft Excel and how to handle its assignment for better grades?

Microsoft Excel or MS Excel is also known as a spreadsheet. Microsoft Excel is compatible with Apple, Windows, IOS and Mac OS and it is developed and designed by Microsoft. There are many purposes which can be easily served with the help of Microsoft office. We can calculate numbers, make tables, use graphing tools and many more. This is the basic introduction of Microsoft Excel. 

Students who pursue their academic careers in computer science are well aware of Microsoft Excel as they need to make several Microsoft Excel assignments in their academics. Microsoft Excel has various complex functions that cannot be understood without any guidance. And when students need to make an assignment on such topics about which they don’t have any knowledge they search for Microsoft excel assignment help and use various external methods for solving their assignments. 

Today in this article we are going to discuss the reasons why students need to have Microsoft Excel assignment help and how they can handle their academic task of assignment in an effective manner. So keep reading to know and resolve all your worries within a minute

Reasons why do students search for Excel assignment help?

Microsoft Excel is not just limited to a few functions which you can learn overnight. For having good knowledge about Microsoft Excel you need to put your 100 percent and try to practice as much as you can. Nowadays academics are full of writing tasks and if you are students would be aware of the hectic schedule of academics. Students are required to perform their best in every academic task in order to prove themselves that they are capable enough for upcoming career challenges. 

Due to such situations, sometimes students don’t get enough time for their academic task of writing and fail to accomplish their assignments in a given time frame. This is the reason why students search for Microsoft word assignment help so that they could accomplish the task and minimize their academic stress of writing. However there are some other reasons for seeking Excel homework help that is listed below

  • When students don’t have enough understanding of Excel questions.
  • When students don’t know how to use Excel software for their academic task of writing. 
  • When they don’t have problem-solving skills
  • When they don’t have enough time to complete their assignment

Why taking online assistance for Excel assignments is a wise decision

When you opt for online homework assistance for  Excel assignments you get help from those who are well versed with Microsoft Excel. And they know about all the possible areas where students may face difficulties. So they help them in such a manner so that student can easily resolve their all academic worries of writing. 

With the help of assignment experts, you can handle all the difficulties in your assignment and get good grades. For getting problem-solving guidance online homework assistance is one of the best and most popular methods. Assignment expert provides you assistance for your every single query and they can help you to overcome academic worries of writing. They do not only organize your assignment but also help you to complete the Excel homework assignment. They provide all the important tips and tricks which can simplify your academic task of assignments. 

How do homework help websites work?

Homework help website not only provides your assistance from experts but also provides you many services which you can use for your academic task of writing. And accomplish all your pending work. 

Some of the unique services provided by assignment help websites are listed below:

Cost-effective 

Taking online assistance is quite cost-efficient and you can avail the services without putting any kind of stress on your pockets.  You can use assignment help service from any corner of the world. Suppose you want online assignment help in Singapore then you just need to search for a homework help website and you will get proper assistance for your query in no matter how far you are. 

On time delivery

If you buy online assistance from any reliable homework help website you will never face any kind of deadline issues and get your work in a given time frame.

Live tracking facility

Once you place your order you get tracking ID for your order by which you can track the status of your work and check the progress.

Conclusion

As we can see Excel assignments can be tricky if you don’t have proper guidance and work support. But if you take online assistance then you can easily handle your academic task of writing and submit your work in a given time frame. So if you are still struggling with your pending assignments then what are you waiting for? Just avail homework help services and resolve all your worries of writing