Bemoneyaware focuses writes about money topics in simple terms such as filing income tax form, about EPF, PPF, Credit debt, loan, Investing in Mutual Funds, Stocks etc. As we are not from a financial background we write in a simple language, with pictures and images where appropriate, giving appropriate links so that you understand the topic. Thanks to our readers Our blog is among the top 10 personal finance blogs of India. We have written book for young adults or teens.
We would not allow a student to get in the driver’s seat of a car without requiring driver’s education, and yet we allow our citizens to enter the complex financial world without any financial education
Table of Contents
Our Mission
Since 26 Mar 2011, bemoneyaware is working to simplify, remove the jargon, explain the concepts related to money that ordinary Indian faces, to make them money aware as Awareness Empowers.
If you have some questions, queries, the feedback you can
-
- send email to:bemoneyaware@gmail.com
Our Social Media Channels
- Twitter (@sh003.global.temp.domains): 2907 followers
- Facebook : 1098 followers
- YouTube : 506 followers
- Pinterest: 76.2k monthly viewers
- Instagram: 60 posts, 20 followers
Traffic Details
On 4 Jan 2020, our details are
The number of articles written: 1200+
- Alexa Traffic Rank: 64,182
- Alexa Traffic Rank in IN: 5811
- Google Page Views: 6000-15000 daily.
On Apr 2015 our details:
- Number of Articles:470+
- Alexa Traffic Rank: 44,409
- Alexa Traffic Rank in IN:4,555
On Mar 2014 our details:
- Number of Articles :340+
- Alexa Traffic Rank: 138,062
- India Flag Traffic Rank in IN: 12,045
As on Jul 2013 our details are :
- Number of Articles : 270+
- Alexa Traffic Rank: 282,843
- India Flag Traffic Rank in IN: 34,315
People behind the Blog
The blog is mostly handled by Kirti, Shoobha, Sona, Ritu, all women. We are not financial experts or even related to the financial stream.
Publications
We have been published in magazines like Femina, Outlook money. Details of the article published in Femina can be found here.
Article in OutlookMoney in 2012 is shown below:
If you don’t teach your kids how to manage money, somebody else will. Is that a risk you want to take? Teach your kids how to handle money now, and they won’t end up with money regrets later on in life. You can give them the head start you wish you’d had.
We have published a book for children about money which is available on Amazon here. Details of the book can be found here.
Money Awareness workshops
We also take workshops, on making Young Adults, Women, Corporates aware of money.
We have successfully conducted workshops for kids in schools of Bangalore such as NPS(HSR Layout), Primus.
If in Bangalore and interested for group of 10 kids you can contact us at bemoneyaware@gmail.com
An uneducated individual armed with a credit card and access to a mortgage can be just as dangerous to themselves and their community as a person with no training who is given a car to drive.
161 responses to “About Us”
Hi Team,
I need details around ESPP taxation where by purchases are made form salary in US listed stock and then match is provided by company. Also opted for dividend reinvestment. How to declare this scenarios in ITR with short term and long terms capital gains
Please go through our article on ESPP Employee Stock Purchase Plan or ESPP
Dear bemoneyaware team,
I was working with bangalore based IT company between 2003- 2005 . MY PF was with Mumbai PF office. I have sent grievance in their online portal and they responded stating that they have transferred to one particular PF account. It seems that the account does not belong to me. Every time i raise grievance , i am getting same response and the same is getting closed. Are there any professional consultant who can help me trace what happened with my case. Please advise what is the next step I should do to get my pf balance
Sad to hear about it.
Raise grievance and Ask for Annexure K which is proof of your old EPF account.
You can raise RTI also to get details of which account it was transferred to.
You can contact Labour Law Advisor https://labourlawadvisor.in/ as they have a big YouTube channel for this.
Hi Team bemoneyaware.com
Have checked your updates regarding the extensions given the FM on 24 March’2020 in your article http://bemoneyaware.com/financial-year-2019-20-extend-30-jun-2020/#genesis-content.
But you need to change the new date mentioned by error as 31st June’2020 for the date for filing Income Tax return for F.Y.-18/19. Kindly change it if possible.
Thanks for comment.
Have updated it.
Hi,
A good platform to save and keep your finance remotely in your control and keep it up to the limit. Education loan is something to make use of in your financial management. It really helps you to get all the things on track, if followed correctly.
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Thanks & Regards
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Hi, Can you tell How to Apply for PF Whidrwal After EKYC Approval? Pls, tell Me My employer Is not Approved My KYC. After That, http://trendingbuz.com I applied through online Through What you guide. So Pls tell me how to Withrow my FF amount.
You did apply for EPF withdrawal online right?
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My Annual Salary is 325000 after PF contribution. Income form OTHER FDs 30000 . I do invest 150000 in ppf every year. Upto Which amont i can do FD with submitting 15G form ?
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Thank You.
great work folks
Hello Sir/Mam,
I resigned my job at June,2015 with 3 years of service. Still, I wasn’t closing PF account. What are the form to be submit for pf account closing?
Currently I am working for 15,000 per month. Please guide me to process.
Hi,
I have a specific query on HRA.
~ My house owner is 60 years plus and doesn’t have a PAN. She has given me a ‘No pan declaration’ along with her voter id card as proof.
~ But my company is not accepting the ‘No pan declaration’ document while submitting the tax proofs for the year.
~ I currently pay 18,000 per month as rent and If they don’t accept the proof I can show maximum of 8,300 per amount
My options are as below. Please suggest how to proceed
~ I can show 8,300 per month currently and remaining 9,700 while filing tax returns via ITR1 (based on the method in your link) http://bemoneyaware.com/show-hra-not-accounted-employer-itr/
~ I don’t show anything currently in HRA and deduct the entire 18,000 (based on eligible amount) while filing ITR1
When the law allows it why is your employer not ready to give you the benefit?
It is best to have it from employer as it is reflected in your Form 16.
If not then deduct 18,000 while filing ITR1.
Wanted to speak to the concerned person for exploring synergy with Share Samadhan.
We are India’s Largest Unclaimed Investment Recovery Advisory enity.
We help people to recover their lost / forgotten or blocked investment in Old Shares, Unclaimed PF, Old Insurance maturity, MF, Postal savings and inoperative bank account
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in http://bemoneyaware.com/new-rs-500-note-2000-rupees-notes/
The numbering has been wrongly printed please review and correct soon
Hello Bemoneyware Team,
Thanks for your articles, which are very easy to understand.
Could you write about digital certificates(DC) and how to use DC for safe net-banking and IT return filing?
Hi Kirti,
Do you accept guest posts ?
Does an NRI need to disclose NRE funds while filing income tax return? & is it mandatory to convert savings a/s to nro a/c??
Really a great blog journey with credentials..
Taking past ranking for your blog (as on Jul 2013, Alexa Traffic Rank: 282,843, Rank in India: 34,315) and current status of the same (As on 27 Aug, 2016, Global Rank : 29,556, Rank in India : 1,845), one can imagine the level of efforts and persistence which must have gone behind this blogging journey !!
All the best !!
Thanks a lot for appreciating. Yes blogging is hard work
I am an NRI in Canada and I purchased a Flat in Aug 1971 for Rs 38000.00. Lets assume, I sell in Sep 2016 for Rs 1 cr. Can you guide me how much tax has to be paid after applying the indexation/inflation formula. Also how i can save tax.Please explain in detail.
Thanks
Can you please share PF Re authorization form, Regional office, Bangalore soft copy.
This was an excellent post really liked the detailed information on all the aspects.
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Wanted to check if you review mutual fund products. If yes, please suggest a way forward.
InsuringIndia helps you find the best Online Term insurance Plans and policies. Compare term life insurance quotes from leading Life insurance companies in India at lowest price.
Hi Admin, couple of my friends referred me to this site, after reading the posts I am pretty happy to see many issues and concerns are resolved over here. I had worked for a private company for almost 7 years and resigned recently, I was told by my employer that I can withdraw both PF and pension amount and also received the forms to fill it out. As soon as I resigned I also joined a different company, my question is can I withdraw pension amount, when I asked the same to my employer, they said yes and I am not sure. Need your help on this as I desperately needed the amount. Please advise. Thank you.
Thanks for kind words. Please spread the word around.
UAN based form 10C can be downloaded from here
Yes as you have not contributed to the EPS for 10 years you can withdraw. For withdrawal benefit & scheme certificate download Form 10C.
Please discuss good retirement plan.
Should I invest in Retire Smart by SBI Life.
Agent saya that If I invest 1 lac per year up to 10 years then SBI life retire smart plan will give lac every year till I alive then when I will be no more thie 1 lac will be given to my wife till she alive. And then when she will be no more then 14 lacslumsum will be given to my son/daughter (As per nomination).
Is it true ?
Please advise
SBI Life-Retire Smart Pension Plan is a non-participating unit linked Insurance plan.
Please understand the features of the plan. 2 majot drawback of the plan are:
The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the money invested in Linked Insurance Products completely or partially till the end of fifth year
This is a Pension Product. Benefits by way of surrender, complete withdrawal or maturity/vesting will be available in the form of annuities except to the extent of commutation of such benefits as allowed under the Income Tax Rules
Let’s assume, you purchased a pension policy today and start investing money into it. Now at the time of policy maturity (your chosen retirement age in this policy). You can not withdraw all the fund for your personal choice. At best you can withdraw only 1/3rd part as tax free. Remaining part should be used to purchase annuity (annuity means pension). Now the real thing start from here. As per current tax rules this annuity is taxable. Now once opted, there is no control from you on annuity. You can not surrender the plan to come out. The annuity can not be increased or decreased as per your choice. Due to inflation, the offered annuity may not be enough for your requirement.
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I am an NRI and have been filing my IT Returns for the last 2 years. I want to enter into an Agreement with a Construction Partnership firm for financing INR 40 lacs for a period of 2 years at interest of 18% p.a. payable by cheque to me at the end of 2 years.
I have the following queries:
1. Can I as NRI finance to a Partnership firm in India
2. As the interest is payable at the end of 2 years, I want to show interest accrued for the 1st year in my next IT Return
3. Can I request the Partnership firm to issue me Interest Accrued Letter for the purpose of IT
4. Or will the Partnership firm issue me TDS certificate with details of Interest Accrued for the 1st year
I should be grateful if you could reply which is the best course, as I do not want to show total interest paid at the end of 2 years. Since the amount of interest payable to me will be large and I may have to shell down more Income-tax.
Hi, I am Subrahmanyam can you give me the understandable meaning of the contents within brackets.
Special Surrender Value: (SSV)
The Special Surrender value under the policy shall be paid as the sum of (a) and (b) given as under:
(a) Discounted value or accumulated value as the case may be of the following: 80% to maturity sum assured if less than 4 years premiums have been paid, 90% of the maturity sum assured, if 4 or more years but less than 5 years premiums have been paid and 100% of the maturity sum assured, if 5 or more years premiums have been paid. The maturity sum assured for this Para will be the maturity sum assured corresponding to the term for which premiums have been paid under the policy. If the premiums have been paid for a fraction of a year, the maturity sum assured shall be worked out by way of mathematical interpolation.
(The above amount shall be discounted from the due date of the next installment premium to the date of surrender if the duration elapsed from the date of commencement of the policy to the date of surrender is less than the term for which the premium have been paid. If the duration elapsed from the date of commencement of the policy to the date of surrender is greater or equal to the term for which premiums have been paid then the above amount shall be accumulated with interest for the period from the due date of the first unpaid premium to the date of surrender.)
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I want to pay a fee of Rs 1000 by income tax challan for registration of valuer Form N. This is a one time fee just as any other registration fee.
1. Which challan to be used?
2. If challan 280,then type of payment will be self assessment tax(300) or advance tax(100) or tax on regular assessment(400)?
3.Why it is not accepting assessment year 2016-17 if I am making payment in FY 2015-16 for 300 or 400 mode.
4. To make assessment year 2016-17 should I pay it in advance tax head(100) or I should continue in self assessment tax mode with AY 2015-16?
I have a clarification on submission of the ITR
My Query
1. I have 2 housing loans. One @ my home town where my parents are living (Self occupied)
2. Another housing loan @ current residing place. I let out this house for rent. (Let out property)
3. I am residing at a house near to my office for rent.
Which form i have to use – ITR1 or ITR2
How to fill the interest on housing loans
please guide me.
Sir as you have income from House property for more than 1 house you cannot use ITR1
he Income Tax Department has introduced a new category of Form i.e. ITR Form 2A. Similar to ITR Form 1.
ITR 2A can be filed by a person earning Income only from Salary or House Property or Other Sources.<
The main difference between ITR Form 1 and ITR 2A is that ITR Form 1 cannot be used if a person has income from more than 1 house property whereas ITR 2A can be used if a person has Income from more than 1 House Property.
Thanks for your prompt reply. I don’t have income from more than one house actually. My parents are living In my home town house and the second house in my residing place has given for rent. Still it will be considered as income from more than one house property and i have to use the ITR 2A from return? please confirm
You guys are doing a great job. I appreciate your work!
Thanks for the encouraging words. We appreciate your compliement
Hi Team,
Hope this message finds you in best of spirits.
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Dear Sir , I am 59+ and going to retire in this current fy ( fy 15-16). However, I am receiving monthly pension from EPS – Employees’ pension scheme ,1995 after attaining age of 58 years . In Last FY (14-15) I got around Rs 33000 – whether this amount is taxable and if so , what will be the head of the income – ‘Income from Salary ‘ or ‘ Income from other sources .
Hi,
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You got vast collection of the articles which will solve the day to day trivial financial issues which we have to seek answer from our CAs. I did know the exact meaning of CTC until I read your article about CTC and Gross Salary.
Thanks a lot. Keep up the good work
Dear Kirti,
I was going through your blog on PPF after maturity. I found no way to comment there. My query is: How to fill up a Form H for PPF extension. I would be grateful if you explained with the help of an example. How do we fill in the blanks of Form H, especially the first paragraph.
Thanks in advance.
Hello Kapil,
Thanks for informing us. We are looking into why there are no comments in that page.
We have updated our article On Maturity of PPF to show Form H. You need to enter your PPF number and date the PPF account started which you would have in the PPF passbook.
Hope it helped.
Hi Kirti,
Where you able to resolve your outstanding tax dues problem yet?
Thanks
No not yet.
Hi,
I wonder if you got a chance to write about TDS on property purchase. It’ll help a lot of folks, as there are lot of ambiguities.
Thanks,
Nandini
Thanks Nandini. Will try to do so.
I really appreciate the content you include on your page it seriously has helped me out a whole lot thanks
Your contact no please.
Hi Kirti,
Hope you are doing good.
As always I have few queries for you.
1. As I told you that I am working part time using as a Software Consultant well along with my full time job. So I am getting extra income. Last time you told me that I need to fill Form ITR-4S. I am going to take help of a CA for filing returns at the end of they year.
Do I need to pay any Advance Tax. If yes, am I too late for paying it now ?
2. I am planning a web and mobile app as a contest to be launched this year and i need to invest some money for hosting etc. This may be a paid service supported by ads and or payments form user.
Do I need to show it’s income/expenditure in IT Returns. If I am not able to make any profit, can i show expenditure as loss ?
Thanks!
Regards,
Gagan
Gagan answers to your questions :
-you have to file returns by 31st July.
-You income from Software consultancy is your business income so you can deduct expenses like internet, electricity etc. You can do yourself too .
-Advance tax is payable when total tax due on your income is greater than 10,000 Rs.
On your salary TDS is deducted at the rate of income tax slabs so typically tax due becomes nil.
On other income such as interest on Fixed Deposit, post office schemes, interest on saving bank account no TDS is deducted if total of these income (including business income) if Tax due is more than 10,000 due you need to pay Advance tax.
-Advance tax is payable in 3 chucks : by 15 Sep, by 15 Dec and 15 Mar. Our article Advance Tax:Details-What, How, Why explains it in detail.
-Paying advance tax is optional. if you miss it you pay interest while filing income tax under section 234B , 234C.
Regarding your contest, as you run a business you can show it as income/expenditure in IT Returns. And yes you can claim the loss too.
Hello,
I have Three outstanding income tax demands appearing against my account last year
18000 (2009)
9000 (2005)
4000 (2004)
I have paid all of them a year ago.
After that intimated IT dept. with letter n copy of paid challans.
But even after a year the status shows as this now:
18000 (2009) – This remained same
2000 (2005) – This changed to a new figure
1000 (2004) – This changed to a new figure
I met up with Jurisdictional Officer 6 months ago, who directed me to a IT Officer – to whom i handed over letters, and recvd acknowledgement.
Since then i have visited IT office again 3 times – but IT officer simply says he will look into it, but records r NOT updated.
I am at total loss now – as to how to proceed – to whom can i escalate this matter.
Thanks
Ravi I can understand your position as I am in the same situation. Because of transition to TRACES data for earlier years is stuck.
I hope you paid using Challan 280 and have a receipt.
When I asked it to IT officer he says they will consider the earlier amount and not the latest one. But he says he can only look when my case is taken up.
Let me dig up and get back to you.
Kirti Thankyou.
Yes i paid using 280 challan.
I wonder if RTI would help or any CA could?
I would appreciate any guidance.
CA does not help much except if you give him Power of Attorney he can represent you. Process is slow. I have hired a CA and there has been no progress.
RTI is a good option to explore.
Found the following information How To Use The RTI Act For Maximum Benefit In Income-Tax Matters which might be of help to you.
Another helpful link is Check your Income tax refund status online & Learn how to use RTI
We would appreciate if you could update us on what you decided.
So here is where it stands as of today:
Lodged complaint via this portal:
http://pgportal.gov.in/Grievance.aspx
After One Month of complaint: The status just shows- Under Process. Essentially nothing has happened.
In Income Tax Website now i see:
18000 (2009) – Section 143(1) Demand Determined by AO – Submit/Cancel button
2000 (2005) – Section 220(2) Demand Determined by CPC
1000 (2004) – Section 220(2) Demand Determined by CPC
Only for first one 18000, there is Submit Cancel button.
I did not hit Submit button – becz its function is not clear – wondering if it will accept it as a genuine demand – as i see no further options alongside it. What should i do for this?
Also for 2000, 1000 demands – it says it will be automatically adjusted against Refund. But what if i have no refund to claim? How will they adjust then?
What should i do for this?
Imagine the harassment of a Tax Payer – who has paid everything but cannot find a way to get the records updated! What a shame it is.
Ravi your case is quiet simple, Assessing officer are so leaned towards queries. The best option available is when you See the demand status, you can file response go through option stated ” Submit ” thereby filling the facts. You need to have Challan nos date and amount paid.
If you encounter anything ahead let me know
Thanks Syed.
Sir I can help you…it’s not such a big issue
Swagatika>
How?
Please leave some contact information…
Thanks
Sir I am a practising CA …my number is 07401475352
Hello Kirti,
As an author, you have already tasted the success and the joy involved in writing and publishing a book. Classle invites you a chance to take this experience to the next level. It’s not just about being an author, you have the unique chance to build your reputation across the world by being the Leader in a rising, high potential sector that is ‘Online learning’. Through this, you have a chance of reaching to millions of people around the world to benefit from your expert knowledge and inputs while you have the satisfaction of making a difference in the lives of many people and also enjoy financial benefits in the process.
Now that we have your attention, we, from Classle would like to extend our warmest greetings to you!
Classle is India’s first and only social learning platform with a wide spectrum of users from students to working professionals registering for courses which are delivered digitally. Unlike traditional e-learning, we offer a flexible and engaging learning experience without compromising on the quality of the content. In addition to this, taking up a course on Classle gives the participants not only to learn a subject but also to collaborate with people from different parts of the country/globe which makes the learning experience even more enriching.
We invite you to author a course on personal finance and, financial management to be delivered through us. The course would be hosted on Classle and through our distribution mechanism can be made to reach users even in the remote parts of the country/globe. Authoring a course on our platform is exciting, interesting, and very easy.
I would love to talk to you in detail regarding this. We could discuss the various possibilities this would open up and I will also be more than happy to answer any and all of your questions. Awaiting a positive response from you.
If you want to experience Classle on a first hand basis, check us out by visiting https://www.classle.net
To give you a little more background about who we are and what we’ve achieved over the past few years:
• Around 3,50,000 users across India with a diverse range of educational qualifications i.e. Engineering, Arts, Science, etc.
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• Listed in Top 15 start-ups worldwide by Amazon
• Finalist in Sankalp Forum 2012
• Winner of Silver EDGE Award from Information Week
• Winner of ET-NOW Lufthansa Pioneering Spirit Contest
Nothing compares to KOTAK LIFE INSURANCE. I just found out that the Company employee ( Mr. Mukesh Sharma ) who sold me the policies by mis-selling has been given a prize. Instead of taking puntive action against him, the Company gives him a PRIZE. Now he can con more people.
Do you have proofs that you were mis-sold polices. You can make a complaint and share your experience..
I made a complaint to Kotak Life Insurance. Their reply was non -commital & the organization washed its hands off my problem.
Hello Rajiv
Can you share your experience with us. It will serve as learning for others and maybe we can find the solution
Hello sir/mam .,
Myself Vikalp Maheshwari..!
My father
Mr Rajeev Maheshwari, 50 Years of age
recently took a Bajaj Allianz insurance plan term of
10 years (Life long assured)
Policy no-0318639697
With premium of rs
2,25,415.57 annually ..!
He wasn’t kind of misguided by details provided and wasnt told the minor to them but major to us details of the policy by the senior
manager of my IC (who is a non-active IC of bajaj allianz life
insurance and is my wife).
And the policy was took under her
name so that
she could give the business to the company ..!
And i’ve been contacting them regularly with the mails relating to the verification of the policy and the
policy holder as a mistake was found on the bond as there was some other
contact number on the bond which made it completely void.!
After two day the premium was paid I compared
the policy from the policy bazar.com And I found it a complete wastage
of investing this
huge amount and
get a negligible piece of it ..!
I received the policy bond on 8th October , 2014
I want to surrender the policy now
And being the spouse of the Insurance consultant and the
Wrong information was given on the policy bond
I don’t want to take that policy long and want to surrender if ASAP within 15 days from the bond in my hand.
Waiting for reply..!
Hello Vikalp.
Please contact Bajal Alliance office ASAP.
The policyholder can seek refund of premiums if he disagrees with the terms and conditions of the policy, within 15 days of receipt of the policy document also known as the Free Look Period
Please fill in the grievance form ASAP at http://support.bajajallianz.com/support/index.php/register-a-querycomplaint/
When you visit Bajaj Alliance office please get some acknowledgement on the details submitted.
Best of Luck
Thanks
Kirti
My heartiest congratulations to the complete team of ‘Be Money Aware Blog’ for taking hard efforts in bringing up such a comprehensible and valuable ‘Indian Money Advisory Centre’ kind of information source. Yes, for me it is like that.
Characteristics that make your blog valuable and distinct are its Originality (being non plagiarism influenced hence naturally mind friendly), Authoritativeness (by virtue of good amount of research and originality factor), comprehensibleness and preciseness.
Thanks for your valuable efforts and support.
Thanks a lot for the encouraging comment.
We appreciate it a lot.
Hope to continue doing it
At this moment I am going away to do my
breakfast, later than having my breakfast coming over again to read further news.
You have some great documents addressed to some of the most asked financial queries. Most helpful. Thanks 🙂
Thanks Subha.We would be obliged if you can spread the word around.
And if you can help us become better
Hi Kirti,
Hope you are doing well.
I wanted to know about International Money Transfers for business purpose. I have been working for a US based small Map company as a Software Consultant part-time. He used to pay me by transferring money to my BANK Account using XOOM https://www.xoom.com/.
Recently, XOOM closed his account stating that they don’t allow commercial money transfers.
Can you help me know how can my client transfer money to me and what are the Govt. laws related to this.
I do show this as additional income while filing my taxes
Thanks,
Regards,
Gagan
Hi Gagan
I don’t have much information on it.
But now to withdraw one needs a bank account so you cannot hide the transaction. It would be treated as Income from Business and Profession so you can claim some expenses such as Broadband bill/laptop.
Some links that I found while googling are Sending Money From USA to India
How to Send or Transfer Money Online to India from Foreign Country
Share with us the information that you gather.
hello admin..
I would like to submit one article in your blog…related to your theame.
Please provide me the process detail for the same
Dear business owner of Bemoneyaware.com
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PSI: I am not spamming. I have studied your website and believe I can help with your business promotion. If you still want us to not contact you, you can ignore this email or ask to remove and I will not contact again.
PSII: I found your site using Google search and after having a look over your website I recommend you to implement future technologies such as HTML5 and Responsive Design to make your site more accessible in mobile phone, tablets, desktop etc.
Dear business owner of Bemoneyaware.com
I would like to take a few minutes from your schedule and ask for your attention towards Internet marketing for Bemoneyaware.com.
As a business Owner you might be interested to gain profit by placing your website among top in search engines. Your website needs immediate improvement for some major issues with your website.
-Low online presence for many competitive keyword phrases
-Unorganized social media accounts
-Not compatible with all mobile devices
-Many bad back links to your website
Looking at the above issues and other additional improvements for your website, I would request you to give us a chance to fix those issues. Our team of Search Engine and Social Media experts are here to serve you with best inputs. If you are interested in learning more about current status of your website, we would be glad to share WEBSITE AUDIT REPORT of Bemoneyaware.com for FREE.
You will feel the difference once you get services from our company as we never let our clients expectations go down. Being at the top left of Google (#1- #3 organic positions) is the best thing you can do for your company’s website traffic and online reputation. You will be happy to know that, my team is willing to guarantee you 1st page Google ranking for your targeted local keyword phrases.
If my proposal sound’s interesting for your business goal, feel free to email us, or can provide me with your phone number and the best time to call you. I am also available for an online meeting to present you this website audit report.
—————————————————————–
Best Regards,
Nita Nair
Marketing Consultant
PSI: I am not spamming. I have studied your website and believe I can help with your business promotion. If you still want us to not contact you, you can ignore this email or ask to remove and I will not contact again.
PSII: I found your site using Google search and after having a look over your website I recommend you to implement future technologies such as HTML5 and Responsive Design to make your site more accessible in mobile phone, tablets, desktop etc.
Hi,
You’ve got good work going on in here.
Is there by any chance you can send me your email?
I’ve got a business proposition, might interest you.
My email : piyush_arora90@rocketmail.com
Regards,
Piyush
Listed above, my bad…
Kindly please sent me your blog at my e-mail given above. Thanking you in advance.
Rajiv do you want to get update on my blog articles i.e subscribe to the blog? If yes you can subscribe by email SUBSCRIBE TO MY is on right hand side.
If you are unable to do it I shall add you name!
Kindly do.
What should I do Rajiv? Sorry couldn’t make much from your comment! Could you expland
I am already subscribed to your mailing list of your blog but I don’t receive your blog in my e-mail account.Kindly see to it.
Thanks for clarifying Rajiv. I checked our subscribers list and your email is in the list (rajivahuja..).
Can you do us a favor search in your gmail account.
check if somehow our posts are coming in the Promotions tab
check if it is going in spam folder
Waiting to hear from you
MY NAME IS ASHOKKUMAR AND I HAVE NO WEBSITE JUST IAM A
INGNEERINGSTUDENT STUDENT
I would like to get in touch with you for my client Great Lakes Institute of Management, a leading B-school in the country. We are in idea to set-up bloggers meet to discuss about management education in India also to brief about Great Lakes. Please share your coordinates to get in touch with you. Thank you
Hello Kirti!
I have no experience of share market. I want to open a trading account. I want to know whether share broker can transfer funds from my (client’s) account without my (client’s) knowledge (for whatever reasons.The reason may be legitimate like meeting trade obligations or paying brokers fees.Here reason of transfer of funds is not important),once the I (client) sign Power of Attorney ?
I am not comfortable with the idea that somebody can pick up amount from my bank account without my knowledge (whatever be reason for picking up the amount). What is the solution ?
I want the procedure to be such that broker should request client to transfer the required amount to brokers bank account and then client should do the needful. Can we have such arrangement with broker according to rules and regulations of SEBI and other governing bodies?
Kindly guide.
Regards,
Ashutosh Pathak
This is regarding shares and no other segment (derivatives, F&O ,currency etc)
I read your article on LPG subsidy. I checked with my HP gas dealer and the form that has to be submitted has only Aadhar number required, no bank account information. How will HP GAS figure out my bank account to pay the subsidy? What if I have multiple bank accounts that are Aadhar linked? Which one will be selected for payment?
A very good question Pankaj. From what I could find Ref:Hindu
The Aadhaar number should be linked with only one bank account and in the event customers link it with multiple accounts, then the last account alone to which it was linked will be valid.
NRI accounts cannot be linked with Aadhaar. For them, the solution is to transfer the connection to the name of another family member.
Kirti, it may not be possible to link an NRE Account to the Aadhaar Card. However, it should be very much possible to link the NRO Account to Aadhaar Card.
An interesting question. Not sure about it.Will update once I have more information.
Hi Kirti, Your blog is good. Any reason for not doing monitization through Google Adsense. If you want any help, please write me to suresh@myinvestmentideas.com. These personal finance blogs should educate people and internally we should get motivation by earning money
how the basic salary is calculated?
Basic Salary: As the name suggests, this forms the very basis of salary.Basic Salary”is the amount of salary paid to employee before any additional benefits such as medical aid, pension, and allowances are added. This is the core of salary, and many other components may be calculated based on this amount. It is a fixed part of one’s compensation structure.
Basic salaries vary depending on the industry, company, employees grade within the company.
Our article Salary, Net Salary, Gross Salary, Cost to Company: What is the difference discusses different kinds of salary.
Hi,
This is Emma Jackson and I am a blogger, I had visited your blog and found it quite interesting. I`d like to write an article for your blog as per your blog’s theme and admirable if this was possible?
I would like to write an article on (“How Much Income Tax Are the Feds Really Taking From You “,”Tax Avoidance and Tax Evasion Explained”) of 500 words which may catch your reader’s interest.
You are welcome with title suggestion and content requirements.I would like to place a back-link in the article
Please let me know if you are interested.
Regards,
Emma Jackson.
Thanks a lot for offer. We would have loved to accept some guest posts but Right now our team has the content planned and busy with executing it. If we have a need we shall contact you.
Hi Kirti ! Your site is indeed treasure trove ! I was interested in mutual funds but did not have any idea about it. I was looking for systematic,detailed and easy to understand information, which can make me confident about investing in mutual funds.
I found your site. Downloaded basic and advanced modules of mutual fund from NSE website. Your site has link to study material of NSE. Studied both modules. Found site of “money control” which you have suggested. It is indeed good site, has wealth of data. Recently I invested in ‘Direct – growth’ plans of HDFC TOP 200 and SBI Magnum Tax gain. Needless to say without ‘guidance’ of any agent ..
Thanks a lot !! Keep up the good work !! 🙂
Sincerely yours,
Ashutosh Pathak.
Thanks for information Ashutosh. If you can share with other readers why you invested in Mutual Funds and why did you choose the HDFC TOP 200 and SBI Magnum Tax gain , we and other readers will gain.
Please remember that you could loose money in Mutual funds also. So please review your mutual funds atleast once a year.
Our article Not All Mutual Funds Do Well -the Laggards talks about it detail.
Dear Kirtiji,
Thanks for your reply. Main reason of choosing those two mutual funds is that compound annual growth rate of both of them for 10 preceding years looked impressive! I must admit that secondary reason is also there and it is that various people (websites)have suggested those funds as better.
You are absolutely right. I must keep keen eye on their performance.Kindly advise me whether my choice is appropriate.Whether I should continue with them ?
Thanks for new article regarding laggard mutual funds.
Regards,
Ashutosh Pathak.
Ashutoshji,
Past performance is not an indication of future performance. The funds that you have mentioned are HDFC TOP 200 and SBI Magnum Tax gain. Are these good funds ? Is like answering is Shahrukh a better actor or Akshay Kumar ..?
What I want to know is how did you zero on,selected these funds. Did you follow only the website?
Why are you investing in these funds- for what purpose? (Is SBI Tax gain for saving tax)
How long do you want to remain in these funds?
If you are comfortable replying on comments you can send email to bemoneyaware@gmail.com
Thanks for reading my article about laggards.
Regards
Kirti
Hi
I have a query regarding tax on epf and eps withdrawals. I read your blog on ‘tax on epf withdrawal’ but there is no mention of tax on the withdrawal of eps(before the completion 5 years of service).
I was in service for about 2 years and withdrew both epf and eps. The eps amount was Rs6500*1.99 = Rs12935 . Here 1.99 is the factor they use for 2 years of service. Should i include this amount in my taxable income for this year?
Good question Anvir.
I am not sure. Let me check with CA and get back to you
Since in PF both employer and employee both pays the same amount it is still included in our CTC. So its kind of employer is fooling us. Isnt that
CTC is a way of bloating up the figure. So be aware of take home salary.
Hi,
I came across your blog while searching for EP & ER components of EPF.
The article was very well written and made me browse through other articles.
I must say that you have done a terrific job. I will continue to read through all your posts from now on and possibly ask a few questions (I am currently pondering) that you may be able to throw some light on.
Thanks for the wonderful blog!
Kudos!
Thanks Aparna for kind words.
The best use of the blog is when you read and ask questions.
You have have already started by asking questions for your parents. We look forward to more questions for it helps you , us and other readers too!
Hi,
We’re interested in advertising on your blog / website. Let me know if you’re interested in discussing further about it.
Thanks
Amandeep singh
aman@accu-ratemedia.com
Hi,
I am Sophia Garfield. I am a financial writer. I do write financial articles on various subjects like debt, loans, investment ,financial law,credit cards and so on. while searching in Google I visited your site bemoneyaware.com and found it is very helpful and informative. The quality of your content is great and very useful for the readers. After seeing this, I would like to do something for your site. I love to write financial articles and I would like to contribute articles for your site if you’ll give me the permission. I can give you an original guest post and I assure you that it will be published only in your site.
Please let me know your thoughts.
Waiting for your positive reply.
Thanks & regards,
Sophia Garfield
Email: sophiagarfield93@gmail.com
Skype ID- sophiagarfield93
Thanks a lot Sophia for your interest. As of now we do need a guest post. If something comes up we shall get back to you.
Hi, my name is divya. I worked from noc 2005 to jan 2012 with an mnc . After two months I submitted my pf form on. My own by going to the pf office it got rejected and the reason was given as wrong joining / leaving date. I then submitted the form 2nd time and was rejected again with same reason. I have now submitted a new form and got it checked with my ex hr to make sure all details are correct. I have even hired an agent to help me with this as I need the money soon to pay off my loan. The agent has approached pf office and found out that the company has send the pf office wrong leaving date. I am not sure what needs to be done. Kindly guide. I am scare I will loose on my money. Please help. Please
You can file a EPF grievance redressal form online. The Epfi Grievance Management System
If that doesn’t work you can maybe file RTI. For details checkout Jagoinvestor’s article on filing RTI. Though article is about RTI for Withdrawal or Transfer of EPF you would get to know basic steps for filing RTI.
We would be obliged if you could share your steps taken, it would help other readers. Best of Luck.
I had worked in 2 companies till date and am working in my 3rd company now. When I left 1st company, I did not do anything to close or transfer pf account. That was 8 years ago. Now my question is how to close this account as i am not sure if the company still exists
Divya do you have details of your EPF of the old company – if yes you can go for withdrawal or transfer.
What details?
This blog is awesome. I am 23 and I started earning when I was 20. Till now there is no word called savings in my dictionary. After reading couple of topics on your blog, now I am forced to think for savings and future planning(I will now start considering the future expenses of my future kids). Keep up the good work, really a must read blog. 🙂
Thanks for great words. You are still young , start with just saving 10% of your salary.
Your website doesnt allow me to download the free books.
Thanks for informing. We are looking into it. Shall update you once it is done.
Thanks a lot
Loved the website. Was browsing for EPF. Excellent detailed information. I love the way you presented it in the form of a FAQ.
Thanks for your kind words Lerrick.
hey know any sites to earn prizes or money eh?
email iwannabebillionaire2@yahoo.com
Indiblogger.in often have contests. You could try your luck there
But the bloggers at indiblogger submit great articles, there are 200+ enteries for each contest, so one needs to give the best.
Accolades for the very informative site. Keep it up.
My question: I have a joint acct with my mother and brother. How can I remove my name from the acct without consent from one or both of them? Is it doable?
Thanks.
Vijay Thanks for encouraging words. Checked up various bank site and confirmed that in joint account signatures of all account holders are required. Quoting from hdfc bank website
The bank may at the request of all the Joint Account holders allow addition or deletion of name/s of Joint Account holder/s if the circumstances so warrant or allow an individual depositor to add the name of another person as a Joint Account holder.
Many thanks for your reply. My apologies for not expressing gratitude earlier. Your cause is very noble. Keep it going.
Thanks as long as you read the blog we are happy 🙂
I am 23 and new to professional and personal financial world’s. Articles in this site are helping me a lot. I just love reading them. Keep up the good work..
Thanks Mahesh for your kind and encouraging words. You reminded me of my gold old days..23 finished college, started earning -you feel you are the king of the world. Sadly our school and college do not prepare us for the complex financial world.
It’s great you started learning about basics of finance so early.( I started in 30’s after having children 🙁 )
A suggestion, when you read article or any book try to write about it, see if all questions are answered.
My understanding has gone up after starting the blog.
Very nice posts with clarity . I was zero in financial literacy untill my baby arrived . Now running every nook and corner to be ready when she asks what is money and what to go with it . Your ebook is very good .thanks for such a good work .
Thanks Jaya. I can identify with you. I was zero literate in finance when my daughter was born. After her birth came the realization of responsibility and hence started my money awareness journey. The book was written with my children in my mind, on their request I added the stories.
Thanks for appreciating.
Hi There, I’m very much impressed with the template design of this site. The rich look and the formatting (font and style) are really cool. The reason I’m writing this now is I’ve no more patience to wait for reading any content here. I came to read “Low cost Tablets:To buy or not?” but looked at the design and other things and got excited. So wanted to Thank the author or admin of this site first. Hence my first comment here before reading anything. Keep up the good work…!!!
You just made our day! Thanks Saravana comments like these keep us going!
Hope to see more comments from you!
Dear Friends,
I am very happy to read your blogs. You have done good research before putting any article. My best wishes to you all. Keep up the good work. If you need any legal assistance I would definitely help.
Regards
VIRAJ KADAM
Advocate,
Supreme Court of India
Thank you Sir for your kind and encouraging words. Thanks for offering your assistance.
thank u for usefull, information. but i have one dout regards da at what percent calculated in karnataka.
Sorry Asha didn’t get the question? Could you tell about which topic are you referring to?