જન્માષ્ટમી સાથે ની ૩ ખાસ વાતો!

જન્માષ્ટમી સાથે ની ૩ ખાસ વાતો!

Happy Janmashtami

જન્માષ્ટમી સાથે ની ૩ ખાસ વાતો:

1️⃣ Goal 🎯

ભગવાન કૃષ્ણ એ પાંડવો ને પોતાના અધર્મ સામે લડવાના 🎯 Goal 🎯 થી વિચલિત થવા દીધા નહોતા.

એ જ રીતે તમારા આર્થિક લક્ષ (Financial Goal) ને ધ્યાન માં રાખવી હોય તો SIP જરૂરી છે…જે તમને તમારા લક્ષથી વિચલિત નહિ થવા દેશે.

2️⃣ Emotional Decisions 📉📈📉📈🤑

અર્જુન કુરુક્ષેત્ર ની લડાઈ પૂર્વે લાગણી માં તણાઈ ગયા હતા અને યુધ્ધ નહિ લાડવા નું નક્કી કરતા હતા.

ત્યાં જ શ્રી કૃષ્ણ ભગવાને તેમને ખરી રાહ ☝🏻બતાવી અને લાગણી ના આવેશ માં આવી નિર્ણય ન લેવા સમજાવ્યું અને પોતાના લક્ષ થી જોડાવા મનાવ્યા. ✅

એ જ રીતે બજાર માં થતા ટૂંકા ગાળા ના ઉતાર ચઢાવ એટલે કે short term volatility થી થઇ ઘબરાવું નહિ અને રોકાણ કરવાથી રોકાવું નહિ જોઈએ, કારણ કે તમારો લક્ષ લાંબા ગાળાનો છે.

3️⃣ 🦚 Saarthi🦚

યુદ્ધ પહેલા અર્જુન અને બાકીના પાંડવો એ વાસુદેવ કૃષ્ણ ની સેના ને બદલે ફક્ત વાસુદેવ કૃષ્ણ નો સાથ માંગ્યો 🤝🏻 અને પોતાના માર્ગ દર્શક માન્યો. ભગવાન શ્રી કૃષ્ણ એમના સારથી રહી ને યોગ્ય માર્ગ બતાવતા રહ્યા અને એમના લક્ષ્ય સુધી પોહોચઢ્યા. એ જ રીતે તમારા આર્થિક લક્ષ્ય સુધી પોંહચવા માટે એક 🦚 સારથી 🦚ને પોતાના માર્ગ દર્શક તરીકે રાખવો જ જોઈએ.

🦚🎯📈🦚🎯📈🦚🎯📈🦚🎯📈

હું દ્વારકેશ કેયુર દીવાન તમને દરેક ને જન્માષ્ટમી ની શુભેચ્છા પાઠવું છું. જેમણે મને પોતાના સારથિ તરીકે સ્વીકાર્યા છે તે દરેક ના માટે હું કટિબઘ્ધ છું અને રહીશ.

🦚🙏🏻 જન્માષ્ટમીની હાર્દિક શુભેચ્છા 🦚🙏🏻

🔊 एक ट्वीट जो हो रहा है वायरल! 🔊

🔊 एक ट्वीट जो हो रहा है वायरल! 🔊

Tweet 👇🏻

Luckily, I invested all my savings from 1991-2000 in equities and not in FDs/debt funds. This one right move resulted into

1) I could resign from Govt. job in 2000

2) I became financially independent by 2006

3) My dividend income is more than annual exp. of my family by 2016.

🟢🔵🟢🔵🟢🔵🟢🔵🟢🔵🟢🔵

https://twitter.com/ChanderBhatia01/status/1427790760284344322?s=19https://twitter.com/ChanderBhatia01/status/1427790760284344322?s=19

🔹 If his savings invested were ₹ 25 Lacs in 1994

🟢 Then today after 27 years it worth ₹ 10.88 crores 📈

✅ Extreme Long Term Goal accomplish for retirement! 😊🎯

🟩 अभी से थोड़ा थोड़ा निवेश करते जाओ अपने खुद के रिटायरमेंट के लिए. 👩🏻🧑🏻〰️ 👩🏻‍🦳🧑🏻‍🦳 🏖️

🟩 सबसे बड़ा सवाल…कहां करे निवेश? 🤔

अगर आपको सीधे शेर बाजार (Direct Equity) में अच्छा ज्ञान, अनुभव और समज है
तो खुद शेर बाजार में निवेश करे जिसमे आप अच्छी धन संपत्ति बना पाओगे और अपने आर्थिक लक्ष्य को हासिल करोगे.

बिना अनुभव, कम ज्ञान और समज से आप धन सम्पत्ति तो खो भी सकते हो.

इसी लिए Mutual Funds बनाये गए है. जिसमे आपको शेयर बाजार में कौनसे शेर में निवेश करना है यह टेंशन लेने की ज़रूरत नहीं रहेगी.

Professional Experts यानि के Fund Managers और उनकी बड़ी टीम आपके पैसो को अपने रिसर्च, ज्ञान और अनुभव के साथ मैनेज करेंगे. 💡📊📈📃📄🗓️🔎

म्यूच्यूअल फण्ड (Mutual Funds)में निवेश करके आप लंबी अवधि में Fixed Deposit (FD), PPF और दूसरे Fixed Return वाले निवेश की तुलना में ज्यादा Return पा सकते हो.

✅📈✅📈✅📈✅📈✅📈✅📈

सही सलाह लेना आवश्यक है क्योंकि ये समझना जरुरी है कि कहा निवेश करना है जिससे अधिक से अधिक लाभ लिया जाए, 📈 और कहा निवेश करना है जिससे आपके सभो आर्थिक लक्ष्य हासिल हो सके. 🎯

🏖️ आर्थिक सुखी निवृत्ति 🏖️के लिए भी सही जगह पे सही समय से निवेश करे लंबी अवधि के लिए
और
निवृत्ति के समय पर सबसे ज्यादा लाभ पाए.

🟩🟦🟩🟦🟩🟦🟩🟦🟩🟦🟩🟦
ज्यादा जानकारी के लिए मुझे संपर्क करें

• द्वारकेश केयुर दीवान
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Benefits of Filing Income Tax Return

People are considering filing of Income Tax Returns as their obligation or mandate but we should know that there are many Benefits of filing of Return of Income.

In following other circumstances where it is Favorable/Beneficial to file income tax return:

(1) To claim refund

This is the most common purpose of filing of ITR. After calculating of total income as per the provisions of the Income Tax Act, 1961; if the TDS deducted is more than the actual tax paid/tax liability or TDS deducted but total income is not taxable i.e. below the taxable slab limit then REFUND arises.

You can’t receive that refund unless you file your ITR. By filing ITR to Income Tax Department, Income Tax Department will get to know you are eligible for receiving REFUND from them. So, to get refund, you need to claim refund by filing ITR.

(2) For taking loan or credit card

This is the second most famous purpose of filing of ITR. For taking Housing Loan or Vehicle Loan or for applying for credit cards from Bank, there is general requirement of ITR of, say last 3 years or more (depends on individual bank’s policy). For Housing Loan Banks asks for Salary Slips and Form No. 16 or ITR copies. Reason being asking for such is to check your capacity to honor the payment of loan/credit facility taken by them from banks.

(3) Carry forward Losses

To able to carry forward short term/ long term capital losses of any financial year to subsequent financial year by applying the provisions of the Income Tax Act, 1961, you need to file ITR.

(4) Registration of purchase of Immovable Property

In many states, various State Government authority may ask for last few years ITR before registration of purchase of immovable property.

(4) Visa Processing

If you are traveling to USA, Canada, UK, Europe; the foreign consulates may ask for your ITS of past few years. While there’s no such strict rules in travelling in Middle East and South Asia.

(5) Taking High Value Life Insurance

Many insurance Companies may ask for ITR for past few years if anyone is buying a Insurance cover of big value, say Rs.50 lakhs. By such they check your capability to pay premiums.

(6) Filing of Government Tender

In Government Tendering procedures, many tenders prescribe to submit ITRs of last few years while applying for tenders. After inspection they grant tender on their policy. Such policies are different to different departments in different states.

(7) Know your Annual Income

Because of your filing of ITR, you get a chance or time to calculate your earning in a year and can make personal financial planning. By ITR you can plan your investments as well to earn better returns in future. So, it gives opportunity and time every year to analyse your earnings and savings.

List of Bank Holidays in Gujarat – 2017

Here is the list of Bank Holidays in Gujarat – 2017

Well, it happens in Communications! – 3 “Say ‘No’ “

Many times you have to accept such thing which you don’t like and have to say ‘Yes’. Then you tolerate such thing till the end.

If you can’t say ‘No’ to the things or people then you will be in a big trouble in future. There are many negative results for not saying ‘No’:

1. You will bogged down under pressure of unwanted things

2. You will be slave for that time being for that thing or people and if it continuous then forever

3. You create a negative image in your own eyes which decrease your morale

4. You become less or zero confident to do something new

5. You will be under jail having wall all around you

But if you say ‘No’, then:

1. You will win

2. Sense of achievement of doing right thing to yourself

3. You feel yourself as you are not a slave i.e. you are only the King of your self and nobody can control you

4. You will save your future

5. Saving of your time

6. Self respect will increase and will start loving yourself

Some people says that they can’t say No as they want to maintain a relation but the fact is if you don’t like something and you say frankly ‘No’ to that person will save a relation better than accepting unwanted things which will make loss to both in future.

Well, is that easy to say ‘No’?
Hmm.. yes…it’s easy..just pronounce the simple word ‘No’. Reasons may be true or false or no reason for that ‘No’. After saying you have to be formed in it.

Well, It happens in Communications! -2 ‘Attitude’

Your attitude says everything to other one. The way you say it the day you react describe your mood.

Attitude is one of the way to communicate stating your own style. Attitude talk is a talk what you do irrespective of your mood.

Attitude indicate your approach as whether you are positive interests or not. Your success of convince depends mostly on your way to communicate. And if your way or attitude is correct then you will win.

All around people shows different attitude in you and other people. I observed many people who talks so loudly and confidently on some matter that know…that’s how they convince the other who has less or no knowledge on some matter. Some convince other by the power that they have like you have to convince on some talks from whome you deserve something and the other knows you can only get from him.

Some has an attitude in communication of ‘never back down’. This is one which I like now a days..which tells not to convince from anyone. This thing actually inside says “I am the best” which is good in some situation against a person who wrongly trying to convince you. It’s bad too sometimes as you may miss the important thing you need to apply, which the other person trying to convince you.

From my point of view coreect attitude comes from your:
1. Achievement
2. Knowledge
3. Experience
4. Encouragement

It’s great to have an attitude in communication as it gives life to it.

Well, It happens in communications! -1 ‘Importance of communications’

Communication is really plays a vital role in our life. We communicate in office for some intense, people understand with their intence. I should rather say as people understand from their perspective. Rarely or lessly happens to be the exact same thought you communicate. It may that you think you communicated well but the other person will not get the exact same meaning you wanted to give. Probably I am saying whatever right now will be read by the reader from their perspective or their intence or their importance.

Factors related to both sender of message and receiver of message plays a big role.

BUT ultimately the person,  who can convince the other, will win.

I learned something which I want to share that the more you communicate with different different people you will be better communicator day by day. It’s not magic that happens in the spot you meet with them but it will work after you lose in communications in some cases and in some cases you will win.

Even a well knowledgable person become fail against dumb person as he can’t convince that person with his communication.

Experience of each communications should be judged by yourself daily. Believe it or not.. you have to communicate correctly.

While improving youself in communications, you will get fun in that.

Easy to remember CARO, 2015 – Part 2

Facing problem in remembering CARO, 2015 Clauses sequentially ? Go to following small and simple blog:

Source: Easy to remember CARO, 2015 – Part 2

Easy to remember CARO, 2015 – Part 2

Enter a caption

As a continuance of Part -1, CARO, 2015 clauses are easy to remember. All have their own technique or way to remember. Here is one of my way to remember, especially for students in exams, CARO, 2015 clauses:

1) In old CARO i.e. in CARO, 2003 there were 21 clauses but now in new CARO, 2015; there are only 12 clauses.

2) Key to remember sequentially all clausess:

“By FILing of ID, CS ने Loss Making Company को Default से बचाने के लिए Guarantee दिया, मगर ‘Loan Application’ में ही Fraud निकला !!!”

Following are the different sequential clauses of CARO, 2015:

1. Fixed Assets
2. Inventory
3. Loans & Advances
4. Internal Control
5. Deposits
6. Cost Accounting Records
7. Statutory Dues
8. Loss Making Company
9. Defaults in Repayment of Dues
10. Guarantee given
11. Loan Application
12. Fraud

Here are only given the title of the relevant clauses in CARO, 2015. To see all clauses of CARO, 2015 go this Link of MCA.

Your Valuable feedback is always welcome to make my blogs better.

Shop Alone First Time

This is the kind of experience that I didn’t want to share but I feel that in this world many are like me who have gone through this experience or going through or wanna be going through.

I went to holiday trip with my relatives for Tamilnadu. We were at Chennai i.e. our first place to visit at Tamilnadu. During second day we got to know that India’s biggest mall is in Chennai called ‘Express Avenue’.

We all decided to hang out in that big mall, to eat, do shopping in different shops and showrooms at mall. We all decided further that let’s separate from each other by making different groups and meet at a common place at 3pm, i.e. multiplex at mall.

So, I went with my relatives in different group for hanging out….where I suddenly decided to shop. It wasn’t predecided.

We went to the ‘Lifestyle’. For men it was at one floor lower, we can go there by escalator inside the ‘Lifestyle’ showroom. I had decided to choose to.buy t-shirts for me…. and it was completely my choice… For the first time in my life I got the ‘REAL’ experience of shopping.

I know it’s sounds really uncool…but for me it was awesome…because before entering into ‘Express Avenue’, I did shopping with my mom or dad or friends. This time one of my relative was with me but he told me “Choose freely, I m here, get trials…buy at your own choice…” & I felt like “Ja Simran ja…jile apni zindagi…” I was out of my city and though I was with my relative I was free to do anything… so I did it….and I loved what I did.

While entered into men section…there were clothes from different International brands….there were so so amazing that I became confuse to do what now, like which brands to try first… I have decided to shop within a budget of Rs. 2k because at that time I had only that much. So like an economical buyer I had to control my emotions. There was another reason for control my emotions and it was about my size of t-shirts i.e. XL. I am not slim so that I had to choose selected available. I was happy that for my size all kind of branded t-shirts were available and it were in 360° around me. In every brands clothes section there were different discount schemes..like 40%, two free on buying one, 20% off on jeans etc. I went to different brands and tried many cool t-shirts.

My sized t-shirts were not available for that most famous brands which I like the most. So I went to other brand section where 50% discount were there on only two t-shirts buying…but again size problem.  So again I went to other brand section where i got the best t-shirt but the price of t-shirt was equal to my entire shopping budget…so again I went another section where I got my size but I didn’t like those t-shirts. Again I went to other brand section where I got my size cum discount of 40%. When I ask the representative I got to know that discount scheme is not on both t-shirts but on lower price t-shirts of two or more t-shirts you buy. And this kind of general scheme was in entire store. At that time I realized that this is how discount schemes applicable and sellings are made by them. But I wanted some different pattern but that was not available on that same brand section…so again I had to change brand where again it was 40% discount and that brand was ‘UCLA’. In that section my sized t-shirts and my liked colours also available so I bought two t-shirts from there. Now I wanted to buy last one brand’s t-shirt too that I liked but due to same pattern I rejected it. So I went again to that brand section, it was ‘Kappa’, and I bought the one that I liked and the other one with the different colour but of same pattern. But instead of buying within Rs. 2k, my 4 t-shirts costed now beyond my budget….so again confuse to whether buy or not. I selected those four t-shirts, 2 from ‘Kappa’ and 2 from ‘UCLA’. On knowing that I was shopping beyond my available money my relative added an extra remaining money for it. & thus at the counter of cash I paid money and bought t-shirts of my own choice for the first time.

On buying I had to pay discounted money…and Lifestyle  gave me different rewards vouchers which I can redeem on other stores purchases.

I got KFC vouchers too…that also I can redeem.
So by this experience I learned few things….
1. Your choice is best because you are buying by your own
2. You become aware about a kind of clothes and brands that suits to you the most
3. Discount schemes are good but to take benefits of big discount buy more
4. If you feel it’s wrong purchase, you can’t blame someone else…as it was your own choice
5. Your size is different for different brands
6. Feel freedom/Independence of buying
7. You become aware of different available brands in market
8. You learn that if you want to wear an awesome clothes and best brands then become a person like that to wear like that.
9. Always have extra money with you so that you can’t miss the opportunity of best.

Usually its normal to buy clothes for many people. But in my case my old belief, that I can’t buy clothes for myself alone and I need help to choose clothes, proved wrong by myself by this experience. Now I feel self esteemed and confident. Now it was like when I think of Chennai, memories of my shopping and Express Avenue comes in my mind. I am thankful to my relative who came with me. I still remember my way of walking became changed….as I felt great and wow. It was proud walk.

I want to all those things I never did in my life and I wishing for…as life is awesome and I wanna be experimental and will take risks.