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Impact of Indoor Air Pollution & 5 Ways to Stay Healthy

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Indoor air pollution refers to the air quality within and around building and structures and it relates to the health of the building occupants. Indoor air pollution could be a new term to a few of you because we are more engaged in reducing the outdoor air pollution that indoor air pollution does not even cross our minds. But the truth is that the air inside our homes and offices is even more polluted than the air outside. This reduces the indoor air quality and causes health hazards to people breathing the polluted air. Poor indoor air quality can lower your living standards and interfere with your (healthy) lifestyle. When you breathe in the polluted indoor air, air pollutants (like PM 2.5) that are small enough, travel through your nose and mouth and enter your lungs. The harmful effects of these pollutants on the human body are countless. Poor indoor air quality is major a problem for us since we spend most of our time indoor. If you are someone who likes to exercise ...
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GSTR-9

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1. What is GSTR-9? GSTR 9 is an annual return to be filed once in a year by the registered taxpayers under GST including those registered under composition levy scheme. It consists of details regarding the supplies made and received during the year under different tax heads i.e. CGST, SGSTand IGST. It consolidates the information furnished in the monthly/quarterly returns during the year. 2.Who should file GSTR-9 ? All the registered taxable persons under GST must file GSTR 9. However, following persons are not required to file GSTR 9     Casual Taxable Person     Input service distributors     Non-resident taxable persons     Persons paying TDS under section 51 of GST Act. 3. What are different types of return under GSTR-9 ? There are 4 types of return under GSTR 9 : 1. GSTR 9  : GSTR 9 should be filed by the regular taxpayers filing GSTR 1, GSTR 2, GSTR 3. 2.   GSTR 9A – GSTR 9A should ...
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Some Financial Tips !

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•Start investing small amounts at early age(when you start earning) as it’s not important how much you invested but how long you invested. Compounding of interest would multiply your wealth. • It is important to take insurance in your corpus. And if you have fixed assets and insurance then start  investing in liquid assets. • Read documents carefully before investing in any asset class. •Don’t keep your blind faith on someone else advise.You have to take the help of financial  planners ,who would help you to make a good portfolio depending upon your future needs. •Don’t invest  to save tax. Invest in those debt or equity which should match your needs . •Please don’t get into trap of mis-selling. •At the end ,i would say INVESTMENT IS IMPORTANT TO KEEP YOU WEALTHY LIFE-LONG. INVEST BECAUSE WE ALL NEED TIME FREEDOM LIKE BILL GATES. Regards Study Mood On 
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New RBI data on India’s BOP for 2017-18

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Balance of Payment for 2017-18 show current account deficit (CAD) at $48.72 billion, the highest since record $88.16 billion of 2012-13. India’s forex reserves, at $424.55 billion as on March 2018, are actually eighth largest in the world Countries generally accumulate reserves by exporting more than what they import. IMF data on the current account balances of the top 10 forex reserves holders reveal all of them – barring India and Brazil– to have been running surpluses year after year. India has always had deficits on its merchandise trade account, with the value of its imports of goods far in excess of that of exports. At the same time, the country has traditionally enjoyed surplus on its ‘invisible account’. Invisible basically cover receipts from exports of software services, inward remittances by migrant workers, and tourism and – on the other side- payment to wards interest, dividend and royalty on foreign loans, investments and technology/brands, besides...
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Three products that will give you guaranteed returns

Most investment instruments offering guaranteed returns don’t give you inflation adjusted returns . However , if you are still looking for guaranteed returns, here are some products you should know about: 1. Bank , NBFC deposits : Banks and non banking finance companies offer fixed deposit (FD). The interest rate ranges between 6.5% and 9% an annum for 1 year tenure for an amount less than 1 crore. Besides FD, recurring deposit and savings account deposit also give you guaranteed returns. 2. Small savings scheme : Products such as post office time deposit, public provident funds (PPF) and Sukanya Samriddhi account offer guaranteed returns. In case of PPF, the rate changes every quarter, but the returns are guaranteed. 3. Sovereign Gold Bond Scheme : It is denominated in grams of gold. Investors have to pay the issue price in cash and the bonds are redeemed in cash on maturity. The interest rate is 2.5%(fixed rate ) an annum on the amount of initial investment. It is credited...
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Bond Market current scenario in Indian Market

Bond boom While supply is plentiful, demand-side constraints are yet to be addressed At long last, the Indian bond market is showing signs of life, facilitating a fund-raising of ₹6.7 lakh crore in FY17, a 36 per cent jump over the preceding year’s figures. For the first time in recent history, fund-raising through bonds also overtook incremental lending by banks this past year. Bond issuances, at ₹2.3 lakh crore in April-July 2017, has been buoyant in recent months. A vibrant bond market, without doubt, has many positive spin-offs for the economy. Domestic borrowers can gain access to alternative sources of credit without over-reliance on banks. Competition may force banks to more promptly transmit RBI’s rate actions. Savers can look forward to a larger menu of fixed-income options. But while the supply of bonds is plentiful thanks to stalled bank lending and low rates, it is demand-side constraints that need to be addressed to ensure this bond boom sustains. For one, it is ...
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Tools to protect against the risk

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Hedging can be done through two avenues. One, through the Over the Counter (OTC) market, that is through banks and two, through stock exchanges. Though various hedging instruments are available, only a couple of them are widely used. They are forward contracts and options contracts. Forward contracts are available only in the OTC market while options contracts are available both in OTC and on the exchanges. Apart from these two, futures contracts on the exchanges and different swap agreements like currency swaps, interest rate swaps, etc., are the other instruments available for hedging. Here’s a closer look at the most widely used hedging instruments, the forwards and options. According to market participants, forward contracts are the more popular of the two, with 80 to 90 per cent of overall hedges done with these instruments. Forward contract A forward contract can be obtained only in the OTC market. By definition, it is a contract between two parties (an exporter or an ...
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