Interview Tips – How to Crack Job Interviews Successfully?


Interview Tips to Crack Job Interviews Successfully

Following the interview tips to follow to crack the job interviews successfully:

Interview Tips
Interview Tips

Be Prepared
You must be prepared with the basic interview questions which are always asked – like your introduction, your hobbies, your interests, why should they hire you, etc. Be ready to face such questions. Practice them before your interview and try to make them interesting!

Do your homework
Always study about the company you are going to give an interview at. Know about its history and what it has to offer; what are its goals and objectives. Go through its website, press releases and data available online so that you are able to answer any questions on it.

Be on time
You must reach the company on time for the interview. Nothing looks worse than reaching late for the interview. Always try to leave early from your house and try to reach 10 minutes before the call time.

Dress up properly
As they say, your first impression is the last one. So always dress to impress. Wear crisply ironed formals, clean shoes and your hair should be neat and tied up. A nicely dressed person always tends to leave a good impression than a person who comes shabbily for the interview.

Be confident
Do not let your nervousness come up on your face. No matter how nervous you are, always look confident. A confident candidate always has a better opportunity as it shows how he can handle situations in a better way. No company wants to employ a person who is shaking due to nervousness during the interview.

Be honest and flexible
Always be honest in whatever you are being asked. Do not lie regarding any thing as it may back fire for you in the future. If you don’t know the answer to any question, say it confidently (you are not supposed to know everything and its okay). It’s better than giving wrong answers and giving a wrong impression.

Update it
Keep your CV updated and ready to be presented when asked. Your CV is the most important document which sells you to the firm. Keep it updated and make it sellable. Enhance it with all the skills you have and all that you have done in the past. Do not make the mistake of fabricating it in any way.

Be friendly
You are noticed in every way. Be friendly with other candidates, the interviewer and always keep that smile on your face; it also helps you hide away your nervousness as well. Ask questions to your interviewer about the company, your job profile, ask all doubts you have and do not make the interview one-sided.

Ask for feedback
Before the interview closes, make sure you ask the interviewer as to how it went and what are the chances of being selected (do not overdo it). It gives a positive image of the candidate as it shows his keenness towards accepting the job offer.

For more career and job related informative articles like Interview Tips, please visit our Career Section.

New Categorization and Rationalization of Mutual Fund Schemes


New Categorization and Rationalization of Mutual Fund Schemes

mutual fund scemesThe market regulator SEBI has come up with a new system for mutual fund classification. The new system aims to bring uniformity to the mutual fund schemes launched by different fund houses, thus facilitating scheme comparison across fund houses.

Based on the categories, mutual funds will be forced to either merge, wind down or change the fundamental characteristics of a particular scheme. This move could have short or long term impacts on your investment portfolio depending on the schemes you have currently invested into as your existing mutual funds may become conservative or more aggressive and risky.

 

As per the new classification, all open-ended mutual fund schemes will be placed under the following categories:

·       Equity

·       Debt

·       Hybrid

·       Solution-oriented

·       Others (index funds/ETFs/fund of funds)

 

Only one scheme per category would be permitted per fund house except index funds/ETFs, fund of funds and sectoral/thematic funds.

 

However, each of these categories will have sub categories:

·       Equity will have 10 sub classifications

·       Debt will have 16

·       Hybrid will have 6

·       Solution Oriented will have 2

·       Other will have 2 sub classifications.

 

That is a grand total of 36 classifications an investor can choose from.

As such, these new classifications will have varying impact on existing funds and consecutively on investor’s portfolio. Such impacts could include:

·       Schemes will be forced to stick to their mandate: Funds often change their investing style based on market conditions. For example, a large cap fund may have sizeable mid cap exposure because its chasing higher alpha. But now, any drastic change will force the scheme to change its characteristics resulting in the same being communicated to the investors. So now the investor will not have to worry about the fund becoming something it originally was not set out to do.

·       Like for Like Comparison: As AMCs will have one scheme per category, it will be easier for the investor to compare the options available. All schemes of different AMCs of a category will have similar styles and characteristics, which will result in a “apples to apples” comparison.

·       Better choice by fewer options: With AMCs forced to ensure one scheme per category and fund labelling to be made in line with investment strategy, options will become lesser which should result in investors being more aware of their choice.

·       Need for review in the short term: With the latest mandates, one can expect a short period of fund houses realigning their products. As such, many schemes may end up being quite different than what they originally were. Therefore, investors may need to keep a thorough eye on their funds to watch out for any changes that may occur and act accordingly.

·       Possibility of reduction in performance: Like mentioned above, funds often change their investing styles to generate significant alpha. But after these regulations, alpha creation may be more difficult as the universe of stocks will be same for all schemes in a category. Furthermore, as per the latest mandate, if a fund wants to be categorized say as a large cap, it will have to invest only stocks defined as large cap as per regulations. So in the short term it may have to sell or buy some stocks which could have an impact on cost that would be borne by the investor. Also, as regulations would demand funds to rebalance their stocks as per the semi – annual publications of AMFI which enlist large, mid and small cap stocks, it may result in forced selling to accommodate any change in status of a stock, resulting in a possible negative impact on the performance of the fund.

Overall, while there may be short term practical hurdles for both investors and fund houses alike while adjusting to the new mandates, the general consensus has been that this move is a positive step taken by the regulators in the right direction as it will bring reliability and simplicity to investors. For any investor, it would be prudent now to get professional advice on how such changes may impact their own portfolios.

For more business and finance related information, please visit our Business & Finance Section.

Certified Scrum Master (CSM) Certification Scope and Coverage


Certified Scrum Master (CSM) Certification Scope & Coverage

Certified Scrum Master (CSM) is an important certification in agile project management arena. There are few certifications for agile such as Professional Scrum Master (PSM) from Scrum.org and PMI’s Agile Certified Practitioner (PMI-ACP), but CSM from Scrum Alliance has been oldest of all and hence widely known and appreciated Scrum Master certification.

Certified Scrum Master (CSM)

A Certified Scrum Master (CSM) performs the following functions:

  • Aids project teams in using Scrum effectively
  • Provides expertise above that of a typical project manager
  • Acts as a ‘servant leader’ and helps the team work together and learn the Scrum framework
  • Protects the team from internal and external distractions


CSM certification has following scope and coverage. So one has to be well versed with followings terms and concepts.

Agile and Scrum Basics

  • Agile Basics
  • Agile Manifesto
  • Agile Principles
  • Agile Methods
  • Scrum Overview
  • Scrum Advantages

Scrum Roles

  • Scrum Internal and External Users
  • Product Owner
  • Scrum Development Team
  • Building Teams
  • Scrum Master and Skills
  • Other Roles

Scrum Events

  • The Sprint
  • Sprint Planning
  • Timebox
  • Daily Scrum
  • User Story
  • Sprint Review
  • Sprint Retroscpective

Scrum Artifacts

  • Scrum Product Backlog
  • Sprint Backlog
  • Increment
  • Scrum Done


Scrum Project Phases

  • Scrum Life Cycle
  • Initiate
  • Plan
  • Requirements Gathering
  • Estimation
  • Implement
  • Review
  • Release

Distributed Scrum

  • Distributed Teams
  • Distributed Communication
  • Distributed Meetings
  • Collaboration
  • Distributed Scrum Practices
  • Scaling Scrum

If you are interested in knowing more about Project Management Institute’s certifications, please read here: Agile Certified Practitioner (PMI-ACP) and Project Management Professional (PMP) certification.

India Union Budget 2018 – India Union Budget Highlights and General Knowledge


India Union Budget 2018

The India Union Budget 2018 aims to focus on development of agriculture, rural economy, improved health & education and increased employment.

Here’s are the Key Highlights of India Union Budget 2018 :

A.  Changes that will affect Individuals

1. Income Tax Slabs, Rebate under section 87A, Surcharge in India Union Budget 2018

The rates for A.Y. 2019-20 (F.Y. 2018-19) are unchanged  in India Union Budget 2018 from A.Y. 2018-19 (F.Y. 2017-18).

India Union Budget 20182.  Cess

For the purpose of raising funds for education, it is proposed to replace Education Cess @ 2% and Secondary and Higher Education Cess @ 1% by Health and Education Cess @ 4%.

The impact of the same will be as follows:

  • Individuals (Less than 60 years of age)
Slab Net Taxable Income Existing Tax (including Cess) Proposed Tax (including Cess) Increase in Tax
Up to Rs. 2,50,000/- Rs. 2,50,000/-  Nil Nil Nil
Rs. 2,50,000/- to Rs. 5,00,000/- Rs. 5,00,000/- Rs. 12,875/- Rs. 13,000/- Rs. 125/-
Rs. 5,00,000/- to Rs. 10,00,000/- Rs. 10,00,000/- Rs. 1,15,875/- Rs. 1,17,000/- Rs. 1,125/-
Above Rs. 10,00,000/- Rs. 20,00,000/- Rs. 4,24,875/- Rs. 4,29,000/- Rs. 4,125/-


  • Senior Citizens (60 Years or more but less than 80 years)
Slab Net Taxable Income Existing Tax (including Cess) Proposed Tax (including Cess) Increase in Tax
Up to Rs. 3,00,000/- Rs. 2,50,000/-  Nil Nil Nil
Rs. 3,00,000/- to Rs. 5,00,000/- Rs. 5,00,000/- Rs. 10,300/- Rs. 10,400/- Rs. 100/-
Rs. 5,00,000/- to Rs. 10,00,000/- Rs. 10,00,000/- Rs. 1,13,300/- Rs. 1,14,400/- Rs. 1,100/-
Above Rs. 10,00,000/- Rs. 20,00,000/- Rs. 4,22,300/- Rs. 4,26,400/- Rs. 4,100/-
  • Super Senior Citizens (80 years or more)
Slab Net Taxable Income Existing Tax (including Cess) Proposed Tax (including Cess) Increase in Tax
Up to Rs. 5,00,000/- Rs. 5,00,000/- Nil Nil Nil
Rs. 5,00,000/- to Rs. 10,00,000/- Rs. 10,00,000/- Rs. 1,03,000/- Rs. 1,04,000/- Rs. 1,000/-
Above Rs. 10,00,000/- Rs. 20,00,000/- Rs. 4,12,000/- Rs. 4,16,000/- Rs. 4,000/-


3.   Deductions under Chapter VIA

a.    80D – Deduction in respect of medical insurance premium

It is proposed to increase the amount of deduction available to senior citizens for payment of mediclaim premium as follows:

Existing deduction limit Proposed Changes in limit
Amount of Deduction allowed for Senior Citizen and Very Senior Citizen:
Rs. 30,000/- Rs. 50,000/-

b. Section 80DDB – Deduction for expenditure incurred on medical treatment etc.

It is proposed to increase the amount of deduction available to senior citizens as follows:

Existing deduction limit Proposed Changes in limit
Amount of Deduction allowed for:
Senior Citizen: Rs. 60,000/-  

Senior Citizen and Very Senior Citizen: Rs. 1,00,000/-

Very Senior Citizen: Rs. 80,000/-

To know about specified diseases under section 80DDB click here.

c. Section 80JJAA – Deduction in respect of employment of new workmen

It is proposed to extend the benefit of this section to Footwear and leather business also. Under this section, 30% of the salaries and wages paid to new employees who have worked for at least 240 days in a financial year was allowed as a deduction. The condition of at least 240 days in a financial year is now proposed to be relaxed to 150 days.

Also the benefit of this section is proposed to be extended to new employee even if he has worked for a less than 240 days if he works with the employer for at least 240 days in the next financial year

d. 80TTB – Deduction in respect of interest on deposits in savings accounts

It is proposed to increase the amount of deduction available to senior citizens by insertion of a new section 80TTB as follows:

Particulars Existing deduction limit Proposed Changes in limit
Amount of Deduction allowed for Senior Citizen and Very Senior Citizen:
Interest from Savings Bank Account and Post Office Rs. 10,000/-  

Rs. 50,000/-

Interest from Fixed Deposits and Recurring Deposits: Nil

Also, no TDS shall be deducted under section 194A on the amount of such interest earned by Senior Citizens and Very Senior Citizens upto Rs. 50,000/-.

e.  Benefit of National Pension Scheme:

The benefit of tax-free withdrawal from NPS upto 40% of amount, which was earlier allowed to employee subscriber is now extended to non-employee subscriber in India Union Budget 2018.

4.  Income from Salaries

It is proposed to allow a standard deduction of Rs. 40,000/- in lieu of Transport and reimbursement of miscellaneous medical expenses. This deduction shall also be available to Pensioners who currently do not get any such benefit. Medical reimbursement benefits in case of hospitalisation etc will continue to be available in addition to above standard deduction.

However the Transport allowance benefit of Rs. 19,200/- per Annum and Medical allowance benefit upto Rs.15,000/- per Annum will be withdrawn.

5.  Capital Gains

a. The Finance Minister has proposed to withdraw tax exemption under S-10(38), on sale of Equity shares and/or units of Equity Oriented Funds, which are held by taxpayer for more than 12 months (i.e long term capital gain). We have broken down and tabulated this important amendment, especially for the benefit of our Return filers, as it has far reaching impact on your investment kitty.

Sr.No Scenario Tax Impact
1. Long Term Capital Gain realized, at any time during the F.Y 2017-18. No Capital Gains Tax. Exemption under S-10(38) is intact.
2. Long Term Capital Gain on shares purchased on or before 31st January, 2018 but sold at any time after 31st March, 2018. The amount of *Capital Gain in excess of Rs 1,00,000/- will be taxable @ 10%. However relief to the extent of capital gains as on 31st January, 2018 (Refer **example below, as pointed out in budget speech)
3. Long term Capital Gain on shares purchased after 31st January, 2018. The amount of *Capital gain in excess of Rs 1,00,000/- will be taxable @ 10%.

*Capital Gain- It is the excess of sales consideration over cost of acquisition of security, on sale of security. No indexation benefit will be allowed on cost of acquisition.

**Example: If Equity shares are purchased on 01/07/2017 at Rs.100 per share. And are sold on 01/09/2018 at Rs. 130 per share. Then there is a Long Term Capital Gain (LTCG) of Rs.30 per share.

Now suppose highest share price on 31/01/2018 is Rs.120 per share. Then, the taxable LTCG will be Rs.10. That is Rs 130 – Rs 120 = Rs.10.

The Exemption under section 10(38) will also not be available for similar long term capital gains in case of FII (Foreign Institutional Investors).

b. Exemption relating to investment in REC, NHAI bonds under section 54EC have been restricted.

Exemption from capital gain on investment in specified bonds restricted to gain from Land and Building only. Holding period increased from 3 years to 5 years.

Earlier this exemption was available to all long term Capital Gains.

c.   It is proposed to tax income distributed by Equity Oriented Mutual Funds @ 10%.

d.  Real Estate: In case of Capital Gains on immovable property, consideration or circle value whichever is higher is adopted and the difference is taxed in the hands of purchaser and seller. It is proposed that no adjustment to be made if the circle rate does not exceed 5% of consideration.

6. Presumptive Income u/s 44AE for Transport Business:
In case of Heavy Goods Vehicle (More than 12MT Gross Vehicle Weight) – Income will be deemed to be an amount equal to Rs 1000 per ton of Gross Vehicle weight or Unladen Weight as the case may be. No Change in Taxation of Income from Other Type of Vehicles.

7. In case of stock in business (if taxpayer is carrying out any business) is converted into capital Asset:

In case stock in business is converted into capital asset, the same will be taxed based on fair market value as on date of such conversion, as business income. Further the period of holding for determination of capital gain, on sale of such converted capital asset at a later stage shall be reckoned from date of such conversion.

8. Amendment to Sec. 143(1)(a)(vi)- Intimation received by taxpayers:

It is proposed to provide that no adjustment shall be made in respect of addition of income appearing in Form 26AS or Form 16A or Form 16 which is not been included in total income declared in return.

9. Changes for Non Residents

It is proposed to charge Alternate Minimum Tax (AMT) on non-corporate taxpayers operating in IFSC (International Financial Services Sector) at the concessional rate of 9%. Also it is proposed to exempt transfer of derivatives and certain securities by non residents from capital gains tax.

B. Taxation of Cryptocurrencies in India Union Budget 2018

The government has clarified that cryptocurrencies are not legal tender. Measures will be taken to curb its use for illegal activities.

C. Pradhan Mantri Vaya Vandana Yojana

The amount that can be deposited to Pradhan Mantri Vaya Vandana Yojana is proposed to be increased from Rs. 7.50 Lakhs to Rs. 15 Lakhs. The amount so deposited is available as deduction under section 80C subject to maximum of limit specified.

D. e-Assessment

It is proposed to extend the implementation of E-assessment introduced in previous budgets nationwide. The existing system of assessment shall be replaced with E-assessment. The assessment will be done in an electronic mode. It will almost eliminate person to person contact leading to greater efficiency and transparency.

For more finance and business related information like India Union Budget 2018, please visit our Finance Section.

Rashifal 2018 in Hindi for 12 Moon Signs – २०१८ का १२ चंद्र राशियोंका राशिफल


Rashifal 2018 in Hindi for 12 Moon Signs – २०१८ का १२ चंद्र राशियोंका राशिफल

rashifal 2018२०१८ साल में शनि धनु राशि में रहेगा. गुरु तुला राशि में अक्टूबर २०१८ तक रहेगा. इन दोनों ग्रहों का प्रभाव ही अधिकतर साल का राशिफल तय करता है। हमने यहाँ १२ चंद्र राशियोंका राशिफल २०१८ (Rashifal 2018) लिखा है।

 

मेष Rashifal 2018

शनि आपके भाग्य स्थान में भ्रमण करेगा. आपके लिए यह साल मध्यम फलदायी रहने का संभावना है। शनि आपके भाग्य स्थान में भ्रमण करेगा। इससे भाग्य का साथ कम मिलेगा और काम पूरा होने में वक्त लगेगा। विलंब व बाधा के साथ ही नई चुनौतियों का सामना करने के लिए आपको मानसिक रूप से तैयार भी रहना चाहिए। कई बार कड़ी मेहनत करने पर भी भाग्य का साथ नहीं मिलने से अपेक्षित फल से वंचित रहने की शिकायत रहेगी। इस साल के अंत तक राहु का चौथे स्थान में भ्रमण होगा। इस समयावधि में बुजुर्गों से जुड़ी चिंता अधिक रहेगी। मई २०१८ के प्रारंभ से अक्टूबर २०१८ के अंतिम तक आपके दशम स्थान में केतु के साथ मंगल की युति प्रोफेशनल मोर्चे पर चौकन्ना रहने की सलाह दे रहा है। साल के आरंभ में जोड़ों में तकलीफ, बीपी और पाचन से संबंधित परेशानियों के प्रति सजग रहना होगा. कुल मिलकर ये साल चुनौतीपूर्ण रहेगा।

वृष Rashifal 2018
इस साल आपको अपनी सेहत का विशेष ख़्याल रखना पड़ेगा। आप बर्ताव इस साल काफी आक्रमकतापूर्वक रहेगा, जिसका प्रभाव नकारात्मक रहेगा। इसीलिए अधिक आक्रमकतासे कृपया बचिए। सफलता पाने के लिए आपको पूरे साल कठिन परिश्रम करने की आवश्यकता है। संभव है कार्य में आपको कुछ निराशा हाथ लगे। अक्टूबर २०१८ के बाद आर्थिक तौर पर प्रगति होगी; साथ ही आपका वैवाहिक जीवन भी अधिक सुखमय रहेगा। इस साल छोटी यात्राओं से आपको फ़ायदा होगा। यह भी संभव है कि आप तीर्थयात्रा पर जाएँ। बाल-बच्चे तरक़्क़ी करेंगे तथा उनका प्रदर्शन अच्छा रहेगा। हालाँकि इस साल आप किसी भी विवाद या टकराव में फँसने से बचें–व्यर्थ के विवाद में आपको वित्तीय तौर पर हानि हो सकती है। शुरुआती दो महीनों में किसी भी तरह की कंट्रोवर्सी में पड़ने से बचें, इससे आपकी छवि को नुक़सान पहुँच सकता है। हालाँकि आप किसी भी तरीक़े की चुनौतियों का सामना करने के लिए तैयार हैं। स्वास्थ्य के प्रति सजगता ज़रूरी है–विशेषतः खान-पान का ध्यान रखें और वज़न न बढ़ने दें। आप अपने जीवनसाथी या किसी धार्मिक क्रिया-कलाप पर ख़र्चा कर सकते हैं। कुल मिलाकर २०१८ आपके लिए सामान्य रहेगा, लेकिन आपको इस साल कई नई चीज़ें सीखने को मिलेंगी। कुल मिलकर वैवाहिक जीवन व आर्थिक स्थिति के लिए साल बेहतर है।

मिथुन Rashifal 2018
मिथुन राशि के जातकों में अभिव्यक्ति की कला अन्तर्निहित होती है–यह क्षमता आपको पूरे साल मदद करेगी। हालाँकि पहले महीने में आपको अपने शब्दों पर ध्यान देने की ज़रूरत है, क्योंकि शब्दों का ग़लत चुनाव विवाद की वजह बन सकता है। काम-काज को बढ़ाने के लिए आप घर से दूर जा सकते हैं। इससे आपको आर्थिक तौर पर फ़ायदा होगा। हालाँकि इसके चलते प्रियजनों से हुई दूरी आपको बेचैन कर सकती है। इसलिए निजी और पेशेवर जीवन में सन्तुलन बनाने की आवश्यकता है। जहाँ तक बाल-बच्चों को लेकर मिथुन के लिए २०१८ भविष्यफल की बात है, उनका ऊधमी बर्ताव जारी रहेगा, लेकिन वे तेज़ी-से नई-नई चीज़ें सीखेंगे और विभिन्न गतिविधियों में अच्छा प्रदर्शन करेंगे। यदि आपका अभी तक विवाह नहीं हुआ है और आप इसके इच्छुक हैं, तो दिसंबर २०१८ के मध्य तक इच्छित साथी से बैंड बजने के योग भी बनते नज़र आ रहे हैं। साल की आख़िरी तिमाही में ख़र्चे बढ़ सकते हैं, इसलिए ज़रा संभलकर जेब ढीली करें। सेहत में उतार-चढ़ाव मुमकिन है और वात रोग, गठिया आदि के संकेत दिखाई दे रहे हैं–खान-पान में सावधानी अपेक्षित है। इस साल व्यवसाय अधिक लाभ लेकर आएगा। आपकी पेशेवर सफलता की बुनियाद आपके द्वारा किया गया परिश्रम ही रखेगा। कुल मिलकर इस साल आपको उन्नति और सफलता के कई मौक़े मिलने वाले हैं।

कर्क Rashifal 2018
कर्क राशि वालो, पूरे साल आप उत्साह से लबरेज़ रहेंगे और दूसरों को नेतृत्व प्रदान करने के इच्छुक होंगे। हो सकता है कि इस साल आपके कुछ प्रियजन आपको ठीक-से नहीं समझें और इसके चलते रिश्तों में तनाव आ सकता है। पारिवारिक जीवन सौहार्दपूर्ण रहेगा–छोटी-मोटी नोंक-झोंक को नकारा नहीं जा सकता है। आपकी प्रतिष्ठा में वृद्धि होगी और कार्यक्षेत्र में आपका सम्मान बढ़ेगा। सामाजिक तौर पर भी २०१८ में आपका यश फैलेगा। इस साल आपका पूरा ध्यान सेहत के ऊपर होना चाहिए, क्योंकि संक्रामक रोगों की चपेट में आने की संभावना है। वैवाहिक जीवन में थोड़ा असंतोष महसूस हो सकता है–इस दौरान तल्ख़ वाद-विवाद से बचने में ही समझदारी है। ख़र्चों में काफ़ी इज़ाफ़ा हो सकता है। हालाँकि कमाई भी ठीक होगी, लेकिन ख़र्चों पर लगाम लगाने की ज़रूरत बनी रहने वाली है। ऐसा न होने पर आर्थिक रूप से काफ़ी दिक़्क़तें आ सकती हैं। विद्यार्थी इस दौरान अच्छा प्रदर्शन करेंगे और बच्चों की संकल्प-शक्ति में वृद्धि होगी। आप आरामदेह जीवन का आनन्द उठाएंगे, क्योंकि पूरे साल आपकी सोच के केन्द्र में सुख-सुविधाएँ रहने वाली हैं। इसके लिए आप कठिन परिश्रम भी करेंगे। कुल मिलाकर यह साल आपके लिए बढ़िया है, लेकिन कुछ चुनौतियों का सामना भी आपको करना पड़ सकता है।

सिंह Rashifal 2018
सिंह का भविष्यकथन संकेत कर रहा है कि इस साल धार्मिक और आध्यात्मिक क्रिया-कलापों के प्रति आपका रुझान बढ़ेगा। मुमकिन है कि इस दौरान आप तीर्थयात्रा पर भी जाएँ। जनवरी-फ़रवरी २०१८ में भाई-बहन में किसी की तबियत बिगड़ सकती है। आपके पराक्रम में बढ़ोत्तरी होगी। यदि बात प्रेम-संबंधों कि करें तो आपको मिश्रित फल प्राप्त होने वाले हैं–एक तरफ़ कुछ ग़लतफ़हमी होना मुमकिन है, वहीं दूसरी तरफ़ अपने प्रिय के साथ संबंधों की ताज़गी भी महसूस कर सकते हैं। आपके कर्म आपको सफलता की राह पर ले जाएंगे; हालाँकि आपको आलस्य से दूर रहने की ज़रूरत है। वैवाहिक जीवन में सुख की वृद्धि होगी। इस साल आप अनुभव कर सकते हैं कि आपका जीवन आगे की ओर तेज़ी-से बढ़ रहा है और अलग-अलग तरह के हालात आपकी राह में आ रहे हैं। आर्थिक तौर पर आप प्रगति करेंगे। बच्चों को ज़्यादा मेहनत करने की ज़रूरत है। आपको बच्चों का ख़ास ख़्याल रखना पड़ेगा और उनके उद्देश्यों की प्राप्ति में उनकी सहायता करनी पड़ेगी। आपके लिए विदेश-यात्रा के योग भी नज़र आ रहे हैं। जनवरी-फ़रवरी २०१८ में गर्भवती महिलाओं को सावधानी बरतने की आवश्यकता है। अक्टूबर के मध्य से पारिवारिक व पेशेवर जीवन में सकारात्मक चिह्न दिखाई देने लगेंगे। सामाजिक तौर पर प्रतिष्ठा में भी इस साल वृद्धि होगी।

कन्या Rashifal 2018
कन्या के लिए २०१८ राशिफल कहता है कि यह साल आपके लिए बड़ी-बड़ी उपलब्धियों का साल रहेगा। आपके पास कई बेहतरीन मौक़े आएंगे, जिनसे आपको काफ़ी आर्थिक लाभ हासिल होगा। सामाजिक तौर पर आप सक्रिय रहेंगे तथा आपकी प्रतिष्ठा में भी वृद्धि होगी। मित्रों व प्रियजनों के साथ इस साल अच्छा समय बीतेगा। हालाँकि विद्यार्थियों को एकाग्रता की कमी से जूझना पड़ सकता है। इसलिए इस साल सफलता पाने के लिए कड़ी मेहनत करने की ज़रूरत है। आपको अपने बच्चों की ज़्यादा देख-भाल करने की ज़रूरत है, क्योंकि सेहत से जुड़ी कुछ समस्याएँ उन्हें घेर सकती हैं और इसके चलते आपको भी परेशानी का सामना करना पड़ सकता है। पेशेवर तौर पर यह समय आपके लिए अच्छा रहने वाला है। आपको विभिन्न कार्यों में सफलता मिलेगी। लंबे समय से यदि कोई इच्छा आपके मन में है, तो वह भी इस साल पूरी हो सकती है। संपूर्ण साल धनार्जन अच्छा चलता रहेगा। जनवरी २०१८ में अचानक लाभ मिलने के योग हैं। अक्टूबर के बाद आय में और भी अधिक वृद्धि हो सकती है। जीवनसाथी के माध्यम से फ़ायदा होने की संभावना है लेकिन उन्हें ऊर्जा की कमी महसूस हो सकती है–सेहत से जुड़ी किसी दिक़्क़त का सामना करना पड़ सकता है। चाहे जो हो, परिवार से आपको पूरा सहयोग मिलता रहेगा। दफ़्तर से जुड़े किसी काम के लिए आपको परिवार से दूर जाना पड़ सकता है। साल २०१८ में परिवार में कोई मांगलिक कार्य संपन्न होगा। नए मेहमान के आने के योग भी बन रहे हैं। कुल मिलाकर हर दृष्टिकोण से यह साल आपके लिए विशेष रहने वाला है। आपको सिर्फ़ विवादों से दूर रहकर पारिवारिक जीवन में शान्ति बनाए रखने की आवश्यकता है।

तुला Rashifal 2018
साल की शुरुआत ऊर्जा रहेगी, लेकिन व्यवहार में आक्रामकता हो सकती है जिसे नियंत्रित करने की आवश्यकता है–वैवाहिक और पारिवारिक जीवन में सुख-शान्ति के लिए यह ज़रूरी है। जनवरी २०१८ से मार्च २०१८ के दौरान सेहत थोड़ी गड़बड़ रह सकती है। शब्दों को सोच-समझकर बोलें, नहीं तो मुमकिन है कि उनसे किसी की संवेदनाएँ आहत हों। इस साल कार्यालय आपके लिए अच्छा रहने वाला है क्योंकि यहाँ आपके विचार मूर्त रूप धारण करेंगे और चीज़ें आपके अनुकूल होती दिखेंगी। लेकिन आपको आलस्य से दूर रहने की ज़रूरत है। सहकर्मियों का व्यवहार सामान्य रहेगा; आपको अपनी क्षमताओं का उपयोग करने की आवश्यकता है। जनवरी २०१८ से मार्च २०१८ के बीच आय में वृद्धि के योग भी नज़र आ रहे हैं। इसके बाद आपके प्रयास नए क्षेत्रों के दरवाज़े खोलेंगे। घरेलू जीवन में संतोष और सुख का अभाव महसूस हो सकता है; संभव है आप ख़ुद को परिजनों से थोड़ा दूर महसूस करें–यह भी हो सकता है कि आप घर-परिवार को काफ़ी कम समय दे पाएँ। कई छोटी-छोटी यात्राएँ और कुछ लंबी दूरी की यात्राएँ इस साल होना मुमकिन हैं। बच्चे आनन्दित रहेंगे और ज़िन्दगी का लुत्फ़ उठाएंगे। विद्यार्थी कठिन परिश्रम करेंगे और फिर उसका फल भी प्राप्त करेंगे। मार्च के बाद वैवाहिक जीवन में काफ़ी बेहतरी होगी। कुल मिलाकर यह साल आपके लिए बढ़िया रहेगा। आपको आय के नए स्रोत ढूंढने पर ध्यान केन्द्रित करना चाहिए।

वृश्चिक Rashifal 2018
वृश्चिक राशि के जातकों को इस साल कुछ चुनौतियों का सामना करना पड़ सकता है। यदि आप दृढ़ता से ऐसा करने के लिए तैयार हैं तो आप अपने लक्ष्यों को प्राप्त करेंगे। जनवरी से मार्च के दौरान सेहत को लेकर आपको थोड़ा सजग रहने की ज़रूरत है। इसके बाद आपके स्वास्थ्य में सुधार होगा और शरीर में रोग-प्रतिरोधक शक्ति आएगी। आप अपने विरोधियों पर विजय पाएंगे। जहाँ तक आर्थिक हालात की बात है तो इस साल–विशेषतः अक्टूबर २०१८ तक–आपके ख़र्चे काफ़ी अधिक रहेंगे, जिससे आपकी वित्तीय स्थिति पर नकारात्मक असर पड़ सकता है। आपको बहुत सोच-समझकर निवेश करने की ज़रूरत है। साल २०१८ में यदि आप अच्छी आय हासिल करना चाहते हैं, तो कठिन परिश्रम के लिए कटिबद्ध हो जाएँ। जो उच्च शिक्षा के लिए विदेश जाना चाहते हैं, उनके लिए अच्छा समय है। बच्चे जीवन का आनन्द लेंगे, लेकिन उन्हें एकाग्रता से जुड़ी समस्याओं से जूझना पड़ सकता है। वैवाहिक जीवन में सुखद परिणाम मिलेंगे। जीवनसाथी का सहयोग आपको प्रत्येक काम में मिलेगा। कार्यक्षेत्र में चुनौतियाँ तो होंगी, लेकिन प्रगति के भी अनेक अवसर हासिल होंगे। कुल मिलाकर यह साल आपको मिश्रित परिणाम देगा।

धनु Rashifal 2018
धनु राशि के भावकों को २०१८ साल प्रगति के कई मौक़े मिलेंगे। आपके संकल्प की दृढ़ता आपको २०१८ साल में बहुत आगे ले जाएगी। मार्च २०१८ तक आय में वृद्धि होने के योग दिखाई दे रहे हैं। उसके बाद मई २०१८ तक आपके ख़र्चे में वृद्धि हो सकती है, लेकिन उसके बाद फिर बाक़ी बचे साल के लिए गाड़ी पटरी पर लौट आएगी। रुपये-पैसे की अधिक चिन्ता नहीं रहेगी। आय के नए स्रोतों को खोजने की ओर आपका रुझान रहेगा और आप एकाधिक स्रोतों से धनार्जन करने में सफल भी रहेंगे। शनि देव आपको कड़ी मेहनत करने के लिए प्रेरित करेंगे। हालाँकि काम में आवश्यकता से अधिक व्यस्तता भी अच्छी नहीं है; आपको अपनी सेहत का भी ध्यान ठीक से रखना चाहिए। मार्च २०१८ से मई २०१८ तक का समय थोड़ा मुश्किल हो सकता है और अक्टूबर के बाद स्वास्थ्य से जुड़ी किसी समस्या का सामना करना पड़ सकता है। गाड़ी चलाने में सावधानी बरतें। बच्चे परिश्रमी रहेंगे और विद्यार्थी अच्छा प्रदर्शन करेंगे। घरेलू जीवन सौहार्दपूर्ण रहेगा–कभी-कभी थोड़ी नोंक-झोंक को नकारा नहीं जा सकता है। हालाँकि इस साल आपको बोलते समय संयम बरतने की ज़रूरत है, अन्यथा रिश्तों में तनाव पैदा हो सकता है। वैवाहिक जीवन सुखद रहेगा, लेकिन जीवनसाथी का स्वास्थ्य आपको चिंतित कर सकता है। प्रेम के पक्ष में बेहतरी नज़र आ रही है। विरोधियों पर आप क़ाबू करने में सफल रहेंगे। कुल मिलाकर यह साल आपके लिए अच्छा है, हालाँकि सेहत को लेकर सतर्क रहें।

मकर Rashifal 2018
इस साल आप यह समझ सकेंगे कि जीवन अपनी गहनता में क्या-क्या अर्थ समेटे है। एक तरफ़ आपके ख़र्चों में वृद्धि हो सकती है और आप महसूस कर सकते हैं कि आर्थिक तौर पर हालात थोड़े कठिन हो रहे हैं। वहीं दूसरी ओर सेहत को लेकर भी परेशानियों का सामना करना पड़ सकता है। आपके तार विदेशों से जुड़ सकते हैं और उस ज़रिए से आपकी आय में वृद्धि होने के योग भी बन रहे हैं। वैदिक ज्योतिष का संकेत समझें तो अध्यात्म में आपका रुझान बढ़ेगा और भौतिक वस्तुओं से थोड़ी दूरी महसूस करेंगे। कार्यक्षेत्रे में आपकी बात अधिक सुनी जाएगी, लेकिन याद रखें–किसी भी तरह के विवाद से दूर रहना ही आपके हित में है। कार्यक्षेत्र में न सिर्फ़ आपकी ज़िम्मेदारियों में इज़ाफ़ा होगा, बल्कि आपकी प्रतिष्ठा में भी काफ़ी वृद्धि होगी। कोई महत्वपूर्ण प्रोजेक्ट भी आपके सुपुर्द किया जा सकता है। विद्यार्थियों की स्थिति अच्छी रहेगी और शिक्षा व नई चीज़ों को सीखने की ओर उनके रुझान में बढ़ोत्तरी होगी। अपने वरिष्ठों से अच्छे रिश्ते बनाए रखें, उनसे आपको विशेष सहायता प्राप्त हो सकती है–ख़ास तौर पर मार्च २०१८ और मई २०१८ के बीच। पारिवारिक जीवन में ख़ुशियाँ बिखरी रहेंगी और रिश्तों में गर्माहट बढ़ेगी। हालाँकि वैवाहिक जीवन में कोई छोटी ग़लतफ़हमी पैदा हो सकती है, जिससे बचने का भरसक प्रयास आपको करना चाहिए। अक्टूबर २०१८ के बाद वैवाहिक जीवन काफी सुधरेगा और आपका निजी जीवन अधिक सुखद प्रतीत होगा। कुल मिलाकर इस साल आप जीवन में प्रगति करने के आसार नजर आ रहे है।

कुम्भ Rashifal 2018
इस साल अक्टूबर २०१८ तक कृपालु गुरु तुला राशि में और नवंबर २०१८ के महीने तक वृश्चिक राशि में भ्रमण करेगा। राहु व केतु क्रमानुसार कर्क व मकर राशि में वहीं शनि धनु राशि में गतिमान रहेगा। मई २०१८ के प्रारंभिक चरण से अक्टूबर २०१८ के अंतिम चरण के दौरान मंगल व केतु युति में रहेंगे। आपका सूझबूझ के साथ लिए निर्णय इस साल आपकी प्रगति की नींव रखेगा। आपका ध्यान मुख्यतः धनार्जन पर केन्द्रित रहेगा और अपने कठिन परिश्रम से आप काफ़ी लाभ प्राप्त करने में भी सफल रहेंगे। आपकी आर्थिक स्थिति काफ़ी अच्छी रहेगी। लंबी यात्राओं का योग भी इस साल बन रहा है। राशिफल २०१८ के मुताबिक़ इस साल आप बुद्धिमत्तापूर्ण फ़ैसले करेंगे। यदि आप ख्याल रखे तो आपकी सेहत में भी अच्छा सुधार हो सकता है और लंबे समय से चली आ रही किसी बीमारी से छुटकारा मिल सकता है। वरिष्ठों से आपको प्रशंसा मिलेगी। आप अच्छे क्रिया-कलापों में समय लगाएंगे। वैवाहिक जीवन में प्यार और स्नेह छाया रहेगा। हालाँकि साल के शुरुआती दो महीने थोड़े चुनौतीपूर्ण हैं, क्योंकि इस दौरान थोड़े झगड़े हो सकते हैं या आपके जीवनसाथी का स्वास्थ्य भी थोड़ा गड़बड़ हो सकता है। छात्र-छात्राएँ कड़ी मेहनत करेंगे। बच्चों के चलते थोड़ी खीझ हो सकती है, लेकिन याद रखें–उन्हें फलने-फूलने के लिए प्रेम की ज़रूरत होती है। कुल मिलाकर यह साल आपके लिए सकारात्मक और प्रगति से भरा रहेगा।

मीन Rashifal 2018
मीन राशि के जातक संवेदनशील होते हैं–आन्तरिक और वाह्य दोनों ही नज़रिए से। इस साल आपकी संवेदनशीलता में और इज़ाफ़ा होगा। ख़ास तौर पर आपको पूरे साल अपनी सेहत का ख़ास ख़्याल रखने की ज़रूरत है। आवश्यकता से अधिक तनाव और बहुत ज़्यादा काम-काज आपकी तबियत ख़राब कर सकता है। कार्यक्षेत्र में आप पूरे प्रयत्न झोंक देते हैं ताकि मन मुताबिक़ परिणाम हासिल हो सकें। वरिष्ठ आपसे काफ़ी अच्छा प्रदर्शन की आशा करेंगे, इसलिए आप पर अधिक दबाव आ सकता है। आर्थिक तौर पर जनवरी २०१८ थोड़ा चुनौती भरा रहेगा। इसलिए कोई भी बड़ा आर्थिक काम फ़रवरी २०१८ तक टालना बेहतर रहेगा। उसके बाद वित्तीय तौर पर स्थितियों में काफ़ी सुधार होगा और आय में वृद्धि होगी। किसी अनचाही यात्रा पर जाना पड़ सकता है। वैवाहिक जीवन बढ़िया रहेगा और आपका जीवनसाथी आपको हर तरह से पूरा सहयोग करेगा। काम-काज के चलते स्थान-परिवर्तन का योग भी नज़र आ रहा है। बच्चों को सही-ग़लत की सीख देने के लिए आपको उनके साथ थोड़ी सख़्ती से पेश आना पड़ सकता है। विद्यार्थी शिक्षा के क्षेत्र में शॉर्टकट निकालने की कोशिश कर सकते हैं और स्वभाव कुछ मनमौजी होने की संभावना है–पढ़ाई-लिखाई पर ध्यान बनाए रखें। आप जीवन में भी शॉर्टकट मारने की कोशिश कर सकते हैं, लेकिन आपको ऐसा करने से बचना चाहिए। दीर्घावधी में सीधे चलना ही ज़्यादा फ़ायदेमंद साबित होता है। अक्टूबर के बाद जीवन में कई सकारात्मक परिवर्तन दिखाई देंगे। इस साल आपको अपनी सेहत को प्राथमिकता देनी चाहिए और कार्य व निजी जीवन के बीच संतुलन बनाए रखना चाहिए।

For 2018 Horoscope in English, please click 2018 Horoscope for Moon Signs in English.

2018 Horoscope for 12 Moon Signs – Yearly Predictions for 12 Moon Signs


2018 Horoscope for 12 Moon Signs

2018 Horoscope2018 Horoscope for a particular moon sign is dependent upon the transit movement of various planets in different signs during the year. Vedic astrology considers moon sign and positions of different planets as per the transit movement. While preparing the predictions based on current planetary positions, one must also take into account the Mahadasha, the strength and degree of the different planets.

In the year 2018, Sun will be transiting into Capricorn Sign on 14 January 2018 and will be transiting into the next sign every month.

Mercury will be starting its transit with moving into Sagittarius Sign on 6 January and thereafter after transiting through various signs Mercury will be transiting into the Scorpio Sign on 26 October towards the end of 2018.

Mars is expected to begin its transit from Scorpio Sign on 17-January and complete its transit in Pisces on 23-December.

Jupiter will start its transit in Libra and on 11-October, it will move into Scorpio sign.

Venus will be transiting into Capricorn Sign on 13-January and towards the end of 2018 it will be transiting into Libra on 1-September.

Saturn has already transited in Sagittarius sign and will remain there throughout the year.

Rahu will be transiting in Cancer Sign during the year 2018 and accordingly Ketu will remain in Capricorn sign.

Lets now look at 2018 Horoscope for 12 Moon Signs below:

2018 Horoscope for Aries:
Planets will be expecting a lot more hard work from Aries people. For Aries people, the life will offer both new opportunities as well as life lessons to learn. They will do very well in career and accordingly the satisfactory income can be desired during the year. Aries people need to be wary of domestic issues. They need to ensure they manage the domestic issues dilligently and do not allow them to escalate into bigger issues. During March to July 2018, there are chances of hightened and uncontrolled spike in expenditures. For businessmen, the advice is not to start any new business venture during the period of April 2018 to September 2018. Overall it looks promising year for Aries people.

2018 Horoscope for Taurus:
2018 will be providing a peaceful and relaxing time for Taurus people in the new year 2018. They need to keep their anger under control and value the relationships. By doing they can nurture their love relationships. On the professional front, though it good time for their career progress, however they should not consider the job change during the year as it might prove to be counter productive. They are advised to pay more attention to their job and ensure it is secured especially during the March to July 2018 period. Time after May 2018 is expected to be good for their spouse. They may get an opportunity to work on foreign soil, however it should be through their existing working organization. Strong chances of settling the debts during the year.

2018 Horoscope for Gemini:
Many new business and growth opportunities are ahead for Gemini people, however they need to exercise caution during the period of May to November. They will be full of energy during the year. Rahu may spoil their language this year so think twice before they utter anything controversial. It is advised not to lend money to anyone. They are advised to keep working hardIf married, the period after October could be rough.

2018 Horoscope for Cancer:
This year, there could be some confusion and stress but if they maintain an optimistic approach, life would not be as hard as it may seem. There would be sudden opportunities that may bring they money for a long while; it could be income from rent or sale of ancestral property or a new business proposal. Work pressure would be high which means they will need to maintain work-life balance before it affects their relationships.


2018 Horoscope for Leo:
This year will bring a lot of mental relief but don’t let anger take the better of they. Haters will hate, but they know how to deal with them. That said, it would be in their best interest to not create new enemies. Victory in court case is also indicated. But if in business, keep a watch on competitors in the market. On the whole, the business is expected to be growth-oriented and they might have to travel a lot from March to July. This year also offers a good opportunity to buy a new house or settle abroad. However, their 2018 horoscope also indicates possibility of some fresh ailment so health needs attention.

2018 Horoscope for Virgo :
Communication and intellect would be their strong suit this year. And they seem to have a good energy level too. However, from May to November, they might become short tempered. Avoid purchasing a house this year and also, do not trust anyone in business matters in the second half of the year. If married, relationship would become sweeter if they pay respect to their spouse and their family.

2018 Horoscope for Libra:
Career would remain their priority it seems but they will also spend enough time with their social circle this year. 2018 is a year to be practical. Do not make false promises or hand over something of value to someone they don’t trust. The period from May to November is not much positive for their domestic life but spouse would have substantial monetary gains during this period. On the career front, the period from March 2018 to July 2018 will be crucial and accordingly they are advised not to take any hasty decision such as job switch.

2018 Horoscope for Scorpio:
2018 would get off to a good start as long as they know how to make the best use of the energy they seem to have as the year begins. Planets are poised to make they intolerant of crude people and conversations. their temperament at this time is serious and helping. May to November 2018 period is expected to be full of confidence and courage, make the best use! Siblings will also do well in this period. During the year, they could give efforts for foreign settlement during the period from March to July 2018. This period is also good for foreign and spiritual travel. For unmarried people, strong possibility to get married.

2018 Horoscope for Sagittarius:
they would become a serious, generous and disciplined person. However, their outlook and temperament may be a bit unstable during April to September. Avoid taking any major steps during this period. This is a good year for they to settle in a foreign place. Career and income graph would show upward trends but not without cutthroat competition and challenges. During the period from March to July 2018, they need to be more cautious in career and money matters. Property deals would be favorable this year, not after October though.

2018 Horoscope for Capricorn:
Capricorn, their talents and skills would come to light now. Stay calm and focus on their work. As long as they do this, there is no looking back. The period from March to July 2018 is supposed to be tricky as far as career goes. During this period caution needs to be taken and job change should be avoided. This year is not much promising in terms of business partnerships. It would be good idea to screen all the paperwork theirself before giving a green signal. Strong chances of earning gains from foreign soil during the period from April to September 2018. Things might take time to materialize. Avoid misunderstandings in relationships too.

2018 Horoscope for Aquarius:
Aquarius people will be on a hunt to acquire multiple sources of earning this year, it seems. Have patience, they would eventually get recognition they deserve. And don’t be afraid to make some compromises either. Making new connections this year would help they a lot later in life. But frequent mood changes could adversely affect their personal and professional relationships so change their approach accordingly. Try to be understanding and diplomatic at work, it will help progress faster.

2018 Horoscope for Pisces:
their interest in spirituality would expound further, affording more peace and contentment. It is expected to be tough time as far as career goes. They might find it stressful at times. This might prove to be a forceful job change or transfer as well. From October 2018 onward, career can be desired to be back to normalcy or stability. The advice is here to practice patience and keep expectations low. During the April to September 2018 period, the results i.e. outcomes would be taking more time than anticipated. So it is advise not be rushing or getting impatient. They have good energy and luck quotient. All they need is some patience to make it far.

१२ चंद्र राशियोंका राशिफल २०१८ हिंदी में पढ़ने के लिए यहाँ क्लिक कीजिये, १२ चंद्र राशियोंका राशिफल २०१८

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Venus Transit 2017 in Sagittarius and Conjunction with Saturn


Venus Transit 2017 in Sagittarius and Conjunction with Saturn

Saturn & Venus conjunction (Venus Transit 2017) in a horoscope is highly desirable and beneficial. This kind of conjunction has already proved very beneficial and caused enormous success stories that include Indian PM Narendra Modi, US President Donald Trump.
Venus Transit 2017
Venus Transit 2017 in Sagittarius is causing Venus and Saturn Conjunction together. This conjunction of Venus with Saturn is a rare opportunity for individuals to firm up the foundation of building up wealth in the year 2018.
Venus Transit 2017 causing the conjunction of Saturn-Venus begins on 20th December 2017. This conjunction will continue till 13th January 2018. This is considered to be a wonderful and favorable period as far as financial decisions. Also this period can prove to be beneficial in taking professional decisions. Studying the analysis of this conjunction and its relative impact in individual horoscope is very important.

 

Whether one would gain from the investments, business, job, real estate, creative power or the plain ability to speak & influence the people, your financial status & wealth combinations are all can be known from the study of individual horoscopes.
As per the Vedic astrology one should analyze the connection between 2nd house and 11th house of one’s horoscope along with the positioning of Jupiter, Saturn and Venus to indicate if there is any wealth creation opportunity. Linkage between 4th house and 11th house suggest wealth creation from real estate transactions. If you have a strong 8th house, then one can expect benefits from other’s wealth due to good deeds from past births. Strong 5th and 9th houses also indicate the strong money earning opportunities.
All in all good time for all the people due to this conjunction in Sagittarius. Hope you have liked our Venus Transit 2017 in Sagittarius article.
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Leave Travel Allowance (LTA) – Rules, Exemption & Calculation


Leave Travel Allowance (LTA or LTC) – Exemption & Calculation

What is Leave Travel Allowance (LTA)?

Leave Travel Allowance (LTA) is a allowance type which is given to an employee from his employer to cover his travel expenses when he is on leave from work. LTA is exempted from tax u/s 10(5) of Income Tax Act, 1961.

Leave Travel Allowance (LTA)LTA or LTC can be broadly categorized as below in 2 parts:

1) Any travel assistance received by employee from his employer for himself and his dependent family to cover expenses incurred in travelling while on leave.
2) Any travel assistance received by employee from his former employer for himself or his dependent family to cover expenses incurred in travelling after retirement or termination of his service.

Dependent Family Members includes:

  1. a) Spouse of individual
    b) Children of individual
    c) Parents of individual (mainly or wholly dependent on the individual)
    d) Brothers and sisters of individual (mainly or wholly dependent on the individual)

Exemption Rules

  • People incur several kinds of expenses during their holiday trip but not all of them are covered by LTA. Expenses made on food, shopping, etc. are not tax deductible.
  • Only the expenses made by employee on travelling are born by the employer for which he provides LTA to the employee.
  • The individual must preserve the proof of travel as the same may be required at the time of tax auditing.
  • Exemption is allowed for only twice within a block of 4 years.
  • Amount of exemption is decided as per the mode of transportation opted for and the connectivity of the place of travel

 

What are Leave Travel Allowance (LTA) block years?

LTA block is a period of 4 years suggested by IT Department during which exemptions can be claimed 2 times during every block period.

Here is the list of the block years suggested by IT department so far:

Block no. Period
1 1986-89
2 1990-93
3 1994-97
4 1998-01
5 2002-05
6 2006-09
7 2010-13
8 2014-17

Current LTA Block Year

The current on-going block year is the 8th block year. The 4 years in this block are the years 2014, 2015, 2016 and 2017.

List of Expenses Exempt under LTA

1) In case of travel by Air

economy air fare of national carrier by the shortest route or the actual amount spent on travel whichever is less is exempt from tax.

2) In case of travel by Rail

A.C. first class rail fare by shortest route or actual amount spent on travel whichever is less is exempt from tax.

3) If the origin and destination spots of journey are connected by rail but journey is performed by other mode of transport and not air or rail

A.C. first class rail fare by shortest route or actual amount spent on travel, whichever is less is exempt from tax.

4) If the origin & destination points are not connected by rail or air (partly/fully) but connected by other recognized Public transport system

first class or deluxe class fare of such transport by shortest route or actual amount spent on travel, whichever is less is exempt from tax.

5) If the place of origin & destination are not connected by rail or air (partly/fully) and also not connected by other recognized Public transport system

AC first class rail fare by shortest route (if the journey was performed by rail) or the amount spent on travel, whichever is less is exempt from tax.

If the assesse did not use LTA provided by his employer either once or twice (the permitted limit) in a 4 years block period he can still claim LTA exemption by using LTA in the year immediately succeeding the earlier 4 years block.

Let’s understand this with the help of an example:

Suppose Mr. Ramesh claimed only one exemption during the 7th block which lasted from 2010-13. He still has one exemption remaining. So when can he claim it?

Mr. Ramesh can claim this concession in the next year, i.e. 2014 which is part of the current block. So, in the current block period (i.e. 2014-17), he can avail LTA claims 3 times in total but he needs to claim the carry over LTA of previous block in 2014 only and not later than that.

Limitations or Restrictions Applicable under LTC

  • LTC covers only domestic travel, i.e. only within India. International travel is not covered under this.
  • To claim LTA, the mode of travel should be either air, railway or public transport.
  • LTA is provided for only travel expenses.
  • Tax exemption on LTA cannot be claimed for more than 2 children on an individual. This restriction is not applicable if children are born before October 1st 1998.
  • Children born out of multiple birth after the first child will be treated as one child only. So the above mentioned restriction will not be applicable in this case also.

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How To Do Meditation? – Effective Meditation Techniques and Guidelines for Mindfulness Meditation


How To Do Meditation? – Effective Meditation Techniques and Guidelines for Mindfulness Meditation

Mindfulness MeditationBelow are the very important and effective guidelines and techniques on how to do meditation to achieve ultimate benefits of Mindfulness Meditation:

 

  1. Sadhana should be initiated in a quite mood, consciously with awareness.
  2. Practice the Asanas as Sadhana and not merely a ritual.
  3. Early morning is most suited time, otherwise evening also will do. Sadhna should be done with empty stomach or after a gap of 4-5 hours after meals.
  4. Practice them at a specific place and on a dedicated carpet, as this Sadhana creates some positive vibrations.
  5. Sitting peacefully with body and breath awareness can make the mind quite and conductive for Sadhana.
  6. Pranav Sadhana with open /closed eyes and chanting of “Om” three times with vibration in “Oo” and “Ma” can have continued mental attachment with the process.
  7. Guru Vandana and Prayer create sense of submission and surrender, leading to increased Sakshivrutti.
  8. Some warming up exercises with limited dynamism should precede the process.
  9. Create a suitable ambience by using essence stick. The place should be sufficiently airy with normal ventilation.
  10. Use minimum but loose clothes in tune with our cultural background.
  11. As far as possible practice in “Sole” as it is a Sadhana for “Soul”
  12. After learning from proper guide or Guru, practice with absolute precision.
  13. The practice should be technique free from server insistence on it.
  14. Observance of Five stages is a must, as it can lead to perfection with minimum mistakes.
  15. Try to master the easy positions initially and then proceed for difficult one.
  16. Always be within your designated natural capacity and physical limitations.
  17. Follow the contrast indications meticulously, as it is a practice for pleasure and comfort.
  18. Design the Sadhana as per the time availability. There can be a combination of various positions described above. Choose at least 2 Asana from each category.
  19. Pranayama and Relaxation must be an integral part of Sadhana, which can give an experience of journey from gross to subtle.
  20. Practice of Dhyana for some time can give completeness to the Sadhana.
  21. Conclude the practice with Shantipath and chanting of Om once in a lower pitch with prolonged maker. Experience the inner silence for a while and open the eyes after palming.

You may be interested in reading our “Om Mediation” article, How to Practice Pranav Sadhana to Achieve Mental Peace? 

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Om Meditation – How to Practice Pranav Sadhana to achieve Mental Peace?


Om Meditation – How to Practice Pranav Sadhana to achieve Mental Peace?

Om MeditationPranav Sadhna (Om Meditation) can be done in two ways, one by gazing (Darshan) and secondly by chanting (vocal). The Darshan Sadhna can be done Through Trataka, wherein one looks at image oh Om with Steady eyes, trying to explore all expressed and implied meaning of Om, normally called ‘Bhaitrataka. Then by closed eyes one has to visualize all that seen,normally called ‘Antartrataka. This initial process of 2-3 minutes makes the mind conductive, focused and concentrated, It only purifies the cavity oy eyes but calms the mind as well.it is in instant measure to regain the composure of the mind.

The Vocal Sadhna can be done with the help of chanting the Om.The word Om is a combination oh “Aa”, “Au” and half note of Dot. thus  it is an outcome of  three and half Notes or Matra ,called as “Auta” th by Samarth Ramdas Swami. This each word has specific relevance as far as the science of speech is concerned. All words starting from “Aa” originate From Throat (Kanthavya),those starting from “Au” originate from Tongue(Taalavya) ,those starting From “Ma” originate from lips (Oshtavya) and half note originates From nose(Anunasik).A conscious use of these origins of sound complete the chanting of Om. However While Chanting  Om normally Oo and Ma are expressly uttered to comlete the word Om.

In order to have divine experience of Om following is the simple method of Pranava Sadhna (Om Meditation):

1: Sit on any comfortable and soft Asana(mat) in Sukhasana or any meditative posture like Padmasana,Vajrasana or Swastikasana with both the Dronemudra. Spine eract but relaxed and neck Straight.

2:Relax the entire body with eyes gently closed and relaxed facial muscles.

3: Have few ronds of deep breathing to exhaust the impurities on physical level.

4:Exhale out completely and then inhale slowly and deeply .wait for a while and chant the Om and small duration of Ma in an open and clear voice. In the same way continue to have chanting in middle and lower pitches with respective proportion of Oo and Ma. Have a short Pause between two chanting to experience and notice intaernal changes.

5:As the pitches change,the difference in the intensity and vibrations can be  clearly experienced.They can be experienced in three different parts of the body with the help of specific awareness.

6:In the first level of chanting there is alpha wave domainance in the brain,in the second chanting the Alpha and Theta Domainance is in equal  proportion. In the Third Chanting there is more Theta wave domainance.Alpha waves indicate the peaceful state of mind, whereas the Theta waves indicate the advanced peaceful state of mind.

7:Those having knowledge of Sapta Chakras or energy points in the body can focus the awareness at Muladhar and Swadhishtana chakra during high pitch chanting, at Manipur and Anahta chkra during middle pitch and at Vishuddhi, Ajna and Sahastrar Chakra during lower pitch chanting.

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Big Thought for Big Achievement

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