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PPF or Public Provident Fund is a scheme started by the National Savings Organization in 1968 with the objective of promoting small savings. Any resident Indian can open a PPF account. Only one PPF account is allowed to be opened per individual Justin Abdelkader Red Wings Jersey , and there can be no joint holders for this account. The PPF account is one of the most popular investment alternatives that people enjoy in India today. This instrument has a 15-year lock-in period after which it can be renewed for 5 years at a time. But what makes the account so popular? Here are the top 5 reasons why one should open a PPF account: 1. Tax-free income: The income earned on investments made in a PPF account is exempt from income tax. This makes it an attractive source to earn tax-free income. The interest is compounded for future years, and the interest earned on this compounded interest is also tax-exempt. This increases the returns from PPF. 2. Guaranteed income: The PPF has a sovereign guarantee. What this means is that the Government backs the PPF. The returns on investment are guaranteed. This makes it a secure form of investment. Since minors can have their account, it is an excellent investment that parents can make for their children. 3. Tax break for investments: Any investments made in Public Provident Fund get a deduction under Section 80C of the Income Tax Act. This makes it a lucrative investment option since it not only saves tax at the time of investment, but the income is tax exempt. 4. Flexible investment amounts: While most investment modes have a fixed investment amount that should take place periodically Valtteri Filppula Jersey , the PPF gives the investor the flexibility to make investments between Rs. 500 and Rs. 1,50,000 every year. These investments can be made any time during the year, up to 12 instalments. This flexibility means the investor can invest in this account any time he has the funds to invest. 5. Withdrawals: The only major drawback about PPF is the liquidity. PPF accounts have a lock-in of 15 years from the year of account opening. For example Madison Bowey Jersey , if you opened the account in July 2017, the account and the funds are locked in till March 2033. However, in spite of this lock-in, partial withdrawals can be made at any time subject to the terms and conditions. On maturity Andreas Athanasiou Jersey , the investor can choose to close the account and entirely withdraw his balance.
The end of the year is a natural time for reflection. And depending what frame of mind you're in, the changing year can either feel great-or miserable. Are you counting your blessings or counting your hard luck stories?


Before you even think about what New Year's resolutions you'd like to make, it's important to be in acceptance of where you are right now. If you look in the dictionary, you will find that to "resolve" something means to break it up into parts and analyze it. A "resolution" takes it further by then making a decision or determination for the future. So if you want to make a quality plan for next year Jonathan Ericsson Jersey , don't just carry over your unresolved issues from this year! Give yourself a fresh start with this mood-lifting exercise to wrap up the passing year and get yourself in present time.


Step 1: List Your Accomplishments One of the most common laments that I hear from business owners is "I didn't accomplish what I wanted to year." There can be many different issues underneath this one, but an easy place to start is with a "reality check." Get out a piece of paper and write down all the things you DID accomplish. If you're really stuck and can't remember, then get out your date book. Be sure to inventory ALL the things you accomplished, including business & personal activities Darren Helm Jersey , whether you completed them in whole or in part. Also, it doesn't matter whether you are satisfied with the results are not-the key is to dispel the belief that you didn't get anything done by a preponderance of evidence to the contrary.


Step 2: Acknowledge Yourself If you've been down on yourself, counting accomplishments is great way to start looking at the positive. But what about your inner life? It's not just about what you DO but who you ARE that matters. What personal traits can you acknowledge yourself for? Deepen the meaningfulness of your written list by including some of the challenges you faced and what personal qualities you developed within yourself. For example, did you show compassion in a time of conflict? Where you acting honorably by keeping a commitment to yourself or someone else? Maybe you experienced a tragedy Luke Glendening Jersey , but developed a certain strength as a result. To me, it's the personal feats of courage, beauty, and integrity that are the REAL accomplishments of life. By acknowledging yourself in this way Henrik Zetterberg Jersey , you begin to build genuine self- esteem and get to know what the "real you" is all about.