15 Best Income Tax Saving Option and return in Hindi

Income tax ka nam sunte hi logo ke man me ya sabke samne ek bat jarur bolte hai ki hamare itne mahnat se kamaya hua paisa government le leti hai. why should I pay income tax?,  Why Should we pay income tax?   ya bat bhi hai ki why government collects Income Tax. iska answer hai tax government revenue ka Ek bada part hai jiska use government country me achhe kam jaise education, health, infrastructure and other development works me karti hai. is tarah ham income tax return file karke income tax pay karke ek tarah se indirect social work karte hai par iska yah matlab nahi hai ki hame Tax Saving nahi katni chahiye.

15 Best tax Saving Investment Options For Tax exemption
tax saving option

Ham sabhi income tax bachana chate hai or government bhi tax saving ke option deti hai to How Tax saving helps the government. iska answer ye hai ki jab ham income tax saving option me invest kart`e hai to yah money government ke development programs me indirectly help karti hai.
Year-end me sabhi best tax saving option khojte  hai. yadi ham sahi se plan kare to maximum income tax saving kar sakte hai or high return on income tax saving option me paa sakte hai. generally, taxpayers ka hamesa ek question hota hai which are the varies tax saving investment option available in Hindi ?, What are the tax saving plans available for salaried employees in Hindi ? Which are the best tax saving investment plans in 2017 in hindi ?

upper ke sabhi question ka answer me yaha de raha hu jisem tax saving option diye hai.
jiske anusar aap income tax return file kar maximum income tax exemption le skate hai.

ALL Best Tax Saving Investment Options in India for 2017 हिंदी में

1*** ELSS Tax Saving Mutual Funds in Hindi:—    

ELSS Tax Saving Mutual Fund section 80c llmutual funds hai, yah other tax saving option se higher return deta hai.

Risk and Return of ELSS: – Chunky yah share market se related hai is liye yah option other option se adhik Risky  hota hai. or guaranteed return nahi deta hai
vaise yadi aap kuch risk lete hai or long tem (5-7yesrs) ke liye invest karte hai to isme 12% se 18% tak ka return le sakte hai (as per the previous record)

Lock‐in period for ELSS Fund: – lock‐in period 3 years hai.
yadi aap Jan 2017 me invest karte hai to yah amount Dec 2020 tak lock ho jati hai or dec 2020 me hi ise withdraw kar sakte hai.
aapko best return ke liye 5-10 years ke liye invest karna chahiye.

How much can I invest in ELSS Fund in Hindi- up to 150000/- per year under 80c
aap is tarh income tax rebate le sakte hia

Benefits of ELSS Fund:- aap regular dividend option le kar lock in period me bhi regular income le sakte hai.
aap isme SIP se invest risk minimise karke high return le sakta hai

tax on Capital Gains: – capital gains from selling ELSS funds are tax-free.
how to invest in ELSS fundHindi: – Some of the top ELSS tax saving mutual funds are Axis Long Term equity fund, Reliance Tax Saver fund, DSP BR Tax Saver Fund etc., app yaha click Kar in website se direct purchases kar skate hai.

02*** Public Provident Fund / PPF details in Hindi

yah scheme sabhi public ke liya provided fund save karne ki scheme hai. ministry of finance PPF ka interest every year decide karti hia  PPF kafi popular option hai
Risk and return: – PPF risk-free option hai isme fix interest milta hai jo every years ministry of finance update karti rahti hai current PPF account interest rate 8.1% hai last year PPF interest 8.8% that yah.
Lock‐in period for PPF 15 years hia    PPF withdrawal rules me aap 15 years ke bad pura paisa nikal sakte hai.
How much can I invest in PPF: – minimum 500/- se Up to 150,000/- per year jiski koe bhi time bounding nahi hai.
Benefits of PPF: –  yah sabse best risk-free high return investment plans to save tax hai . kyu ki invested amount par 3 years ke bad loan facility available hai. PPF Loan par rate of interest charge 2% per year hai.
6-year se Withdrawal bhi permitted hai. isme Hindu Undivided Family
or Association of persons bhi invest kar sakte hai
in sabhi benefits se PPF best investment options to save tax u/s 80C hai. yah achha option hai retirement pan or  children education plan ke liye.

3*** Sukanya Samriddhi Yojana :-

sukanya samriddhi schem girl child wake parents ya Georgian ke liye hai jo ek best income tax saving plan hai.
Risk and return:- yadi aap apni girl child ke future ke liya aaisa plan cahhte hai jo low-risk high return plan ho to yah ek achha income tax saving plan hai
Su Kanya samadhi yojana interest rate 2016-17 8.6% per year hai.
Lock‐in period for Su Kanya samriddhi scheme is scheme me aap bachi ke janm se lekar 15 years age hone tak deposit kar sakte hai jo girl ke 21 years tak ke liya lock hota hai
Tax on Capital Gains: – Su Kanya samriddhi schemes me interest received on maturity is tax-free hai.
Benefits and of SuKanya samriddhi yojana:- aap is young me 1.5 lakh tak invest kar sakta hia or deposited karte time income tax me chut paa sakta hai or girl ke 21 years ki adge par milne wala amount bhi tax-free hota hai.
drawback of sukanya samriddhi yojana: – drawback of SuKanya samriddhi yojana, Premature withdrawal not allowed, High lock-in period of 21 year, online transfer facility in post office nahi hai.

4*** Tax Saving Bank FD Schemes :-

yah schem fixed deposit under 80c me aata hai. yah income tax saving ka best trusted or safe investment option hai. is scheam ke mukhya point is prakar hai
* Interest received from tax saving bank FD schemes are taxable.
tax saving bank FD schemes has 5 Year Lock‐in period
tax saving bank FD schemes interest rates are between 5.5% to 7.5% per annum
Lock‐in period tax saving bank FD schemes is 3 years. best bank fortax saving FDs ya tax saver FD are Ratnakar Bank – 7.7%, IDFC Bank – 7.5%, DCB Bank – 7.5% and Union Bank of India – 6.5%.
Lock‐in period tax saving bank FD schemes is 3 years

05*** Senior Citizen Saving Schemes (SCSS) :-

yah best & secure return plan for senior citizen hai. koe bhi personal 60 years ya isse  adhik wala is plan me invest kar sakta hai.
lock in period for Senior Citizen Saving Schemes 5 yeara hai par iski beauty yah hai ki income Senior Citizen Saving Schemes me interest quarterly milta hai. yah interest taxable hota hai.
Senior Citizen Saving Schemes interst rearte 8.5% hai
maximum income tax rebate limit for Senior Citizen Saving Schemes is 15 lakh.
aap ise one year ke bad Premature closure closer bhi kar sakte hai par isme deposit amount ka 1.5% deduct ho jata hai or 2 years ke bad closer karne par 1% deduct hota hai. aap postal senior citizen scheme bhi le sakta hia.

06*** Rajiv Gandhi Equity Saving Scheme (RGESS)

yah schema un logo ke liya hai jo pahli bar share market me invest kar rahe hai or unki salana income 12 lakh tak hai. Rajiv Gandhi Equity Saving Scheme me maximun 50000 rupes invest kiya ja sakta hai jis par jo sirf BSE 100 stock me ya RGESS Mutual funds me invest kiya ja sakta hai.
Rajiv Gandhi Equity Saving Scheme me invest kiya gaya amount ka 50 % hi yah par tax deduction under 80ccg milta hai.
Rajiv Gandhi Equity Saving Scheme returns stock market ke anusr hota hai is liya yaha par ruturn ki koe fix gauranty nahi hai.

07*** Voluntary Provident Fund (VPF)

jaise nam se clear hai ki karmachari ki eksha se liye kiya gaya pf contibution. is scheam me aap aapni margi ke anusar apna pf ka contibution bada sakta hai  jo employer or employee ke dwara diya gaya 12% contibution ke atirikt hota hai. yaha par employer contribution to pf nahi hota hai
employe apni Basick salary or DA ka 100 % tak contibute kar sakta hai.
Return Voluntary Provident Fund (VPF) me pf ya ppf ke equal interst milta hai.
Voluntary Provident Fund (VPF) maturity return tax-free hota hai.
drawback of Voluntary Provident Fund (VPF) yah hai ki isme amount retirement tak locked hota hai.

08*** New Pension Scheme (NPS) :-

NPS plan retirement ke liya kiya gaya sabse best retirement plan hai jisme aap pensan plan kar sakte hai is pla me aapke fund ka management government se approved top fund managers karte hai
isme  fund manager investment value ka 0.0009% charge lete hai. is  plan me aapko pension scheme numbe milta hai. in fund managers par pension fund inda ki najar rahti hai.
yaha aap minimum 500 per month ya 600 per years invest kar sakte hai. Rajiv Gandhi NPS ki maximum limit nahi hai.
NPS me 1.5 lakh tak invest karne par 80c ke under tax benefit milta hai.

09*** New Pension Scheme (NPS) u/s 80CCD

80c ke alava aap isme aap isme 50,000 rupes adhik jama kar sakta hai jo Tier‐I scheme u/s 80CCD me aata hia.

10*** National Saving Certificate (NSC) :-

NSC me koe bhi person invest kar sakta hai yah post office ke throw hota hai isme milne wala
National Saving Certificate (NSC) interest 8% hai jo every six month me compound hota hai
National Saving Certificate (NSC) ka matutity amount taxable hota hai. is income ko another income me show karke again 80c me tax saving kar sakta hai. National saving certificate online bhi jama  k bank

11*** Unit Linked Investment Plan (ULIP):-

yah ek mahga tax saving scheam hai
ULIP ek ensurance plus investment plan hai jisme life risk cover ke satha sath return bhi milta hai. par ulip me fund manager fund manag kafi charg karte hai.
vaise abhi 2010 IRDA guidelines ke anusar Insurance companies company ne ULIP charges kam kiya hai.
ULIP me koe gauranted return nahi milat hai, ha par yah 6 se 12% tak k areturn deta hai

12*** Life Insurance Plans:-

india me yah sabse famous hsi india me life insurance bachne me LIC sabse aage hai kyouki isme return of investmet done hota hia. lic ke sabhi plan me everage 6 % return milta hai.
best Life Insurance Plans to sirf term plan hota hai is plan me koe maturiy benefit nahi hota hai is plan me aap regular premium baharta hai or aap ki kisi vajah se deth ho jane par jo risk kavar hota hai vo aapke dependent ko mil haja hai.
termplan first step of finance planning hia. yah aapke bad aapke parivar ko aarthi aajsdi dilata hai. or unhe aarthik rup se majbut banata hai.

13*** Home Loan Principal Repayment in hindi :-

yadi abhi tak aapne apna khud ka makan nahi liya hai ya banay hai to aaj hi home loan lekar home plan kare kyouki. tax saving ka yah ek badiya plan hai jisme home lone principle ke roop me aap jo home loan repayment karte hai. par yadi aap 5 yers ke pahle is makan ko bech dete hai hai to yah tax vapsa lag jata hai.
home loan process fee bhi tax saving hoti hia.

14*** Pension Funds :-

yah ek good retirement plan hai yah ek private pension plan hai jisme aapko retirement ke bad monthly return milta hai.
is plan me investmented amount ka 60% retirement ke adge me nikala ja sakte hai or rest amount ko re-invest kar kar monthly pensan liya ja sakte hai.

15*** deduction under section 80c children education :-

aap ke bachho ke school me di jane wali fee jo ki tution ke nam pa li jati hai bhi tax saving ke antargat aati hai.

Budget Plan Kyou jaruri hai, Badget ki 7 बाते जो आपको आर्थिक आजादी दिला सकती है.

    7 Parts of Best monthly budget planning In Hindi

 

sabhi samjhdar family ka ek fixed budget planning hoti hai jise follow kar ke ve aarthik aajadi pa leta hai. ham sabhi ne kai aisee family dekhi hogi jinki monthly income to kam hoti hai par vo is income me aisa adjust karte hai ki unko kabhi bhi money problem nahi hoti hai. Vahi kuch family aisi bhi hai jinki best income hone ke bad bhi hamesa money related problem me bane rahti hai.

aaj mai aapko budget Planning ke bare me details se batane ja raha hu jise follow kar aap aarthik aadaji pa sakte hai.

What is Budgeting ya budget planning kya hia

                                                                                        Budgeting ek process hai jisme ham apne monthly expense ko income ke anusar plan Karte hai. or apne priority expenses par dhayn deta hai or unwanted expenses ko kam Karte hai. sath hi feature ke expenses ko plan karte hai.

The importance of Budgeting, Budgeting kyou jaruri hai.

Chuki budget planning me ham apne monthly expense ko earning ke anusar plan karte hai. jis vajah se budgeting yah insure karti hai ki aap jo chahte hai or jo jaruri hai  us kam ke liya enough money ho. yadi aap propper budget plan karte hai to aapko aaj or kal ko aarthik rup se majbut karte hai.

yadi monthly budget planning kuch aaisi ki jaya ki aapko money problem na ho sare important kam pure ho jaye sath me aapke future ke goal jaise Home planning, Car,  best education for childrin and retairment plannig bhi ho to kitni achhi bat hai.

best budget plannig ke liya aapko aapni income ko niche diye 7 parts me devide karna hai or aape  aaj or kal behtar bana sakte hai.

7 Parts of Best Household Budget  Planning

  1. sabse pahle apni monthly income ka kam se kam 15 % part ko investment ke liya nikal de jise aapko share market, mutual fund, ya real state me invest karna hi karna hai
  2. 10 % of monthly income ko child education par invest karni hai
  3. 5 % of monthly income ko lystyle jaise kapde traval or other lifestyle par kharcharna karna hai. aap es amount ko jama karke year me ek bar bhi ghumne ka plan kar sakte hai.
  4. 30% of house hold income ko house rent me use kar satke hai yah amount yadi home loan emi me use ho raha hai to yah % aap adhik bhi kar sakte hai. or home rented hai to idealy yah 20 % se adhik nahi hona chahiye.
  5. 20% of total income ka hi kiran sabji all grosery lana chahiye.
  6. 10% of total monthly income ko hamesa saving account me kisi emergency ke liya rakhana chahiye iska kuch part ka aapko medical ensurance karva lena chahiya. behtar
  7. last me 10 % income ko misselinius expense ke liya rakhana chahiye jo genraly sabhi family me kahi na kahi karch hote rahte hai

uper diye gay 7 ideas about budget plannig will help you. creatr a budget according to this plan. and plan your need and requarments.

hamesa yad rakhe aapke pas aapki monthly income ka 3 guna amount emergency fund me fixed deposit me hona chahiya jo aapko job chud jane ya monthly income ke kisi karan band hone me help karegi or aapko 3-month ka back up pan degi.

Highest Interest on any Saving Bank account.

higest-interest-on-saving-account

Highest Saving account Interest             किसी भी बैंक से

Aaj Kal sabhi k pass kam se kam 1 bank account jarur hota hai. jisme aap highest saving account interest paa sakte hai.

chuki  ham sabhi ke pas saving account balanca jarur rakhte hai. Is saving account balance par bank  interest bhi deti hai jo kafi kam hota hai. Abhi sabhi bank ka Savings Account Interest Rate 4% hia jo kafi kam hai.

vahi kuch banka jaise Kotak Mahindra Bank or yes Bank aissi bhi hai jisme saving account interest rate 6% hai. Aisi kuch hi bank hai jo 6% interest on saving account date hai. Ab yadi yah interest rate fixed deposit interest Rate ke equal ho to Kitna achha hoga.

mai yaha aapko ek trick batlayege jisse aap kisi bhi bank se

jo bank’s savings account interest rate 6%  deti hai,  vo bank ya to aapke area me available Nahi hai ya aap in banks me account open Karna afford nahi kar sakte hai.

Ab saval yah hai ki how to get high interest on bank saving account. means Kisi Bhi bank saving account balance se FIXED DEPOSIT ka interest jitna interest kaise mil Sakta hai. ya maximum interest on saving account kaise prapt kare is ke liyaek simple si trick hai jisme bas kuch seconds aapko hai.  sah is iske other benefits Bhi hai.

Trick for  highest saving account interest on any Bank saving account 

       

Saving account se highest interest rate lene ke liya  bas aapko apne bank account ko internet banking ya online banking se enable Karna hai. aap mobile banking app bhi le sakte hai.  online saving account ke liya aapko bas apne bank se bat Karni.

Internet banking bank ke dwara vah suvidha hai jisme  aap apna bank account ko self-operate or manage karate online banking or mobile banking ke other. benefit bhi hai.  to dekhta hai saving account se fixed deposit jitna return.

Ab app ko Karna kya hai.

1st   enable for online banking or use mobile banking app.

2 nd learn making FIX DEPOSIT  in online banking ya mobile banking app.

Aapke saving account me jo extra  balance hai jiski aane wale kam se kam 7 din tak jarurat nahi hai ko online fixed deposit me convert karde is prakar aapko aapke is amount par fixed deposit interest rate milega.  Aap is fixed deposit ko kam se kam 1 year ke liya kare, jab bhi  aapko is amount ki jarurat hai to is fix deposit ko online  jakar close kar sakte hai. yeh amount aapko same time ya kuch hours me aapke saving account me vapas aa jayega, is tarah aap apne account se adhik se adhik. Interest lesakete hai.

Benefits of this trick

1 normal saving account se adhik interest rate

2 saving ke liye habit develop hoti hai

3 Low Expense karcha  kam Hota hai. Jab aapke saving account me kab balance hota hai to aap  kam kharch karte hia.

5  “warren buffet” ke anusar first invest then expense.  yani pahle save ya invest kare fir baki ko karch kare.

6.its develop invest habit of investing.

  1. Aap ki jo Home Loan, car Loan ki EMIya premium of insurance ya SIP ki date salary ke deposit ke 10 ya 15 din ke bad hai, us date ke 1 din pahle tak ka fixed deposit kar sakte hai jisem bhi aapko  interest mil jata hai.

what My friend doing.

meri ek friend hai vo private job me hai.   jab Bhi uske account me salary deposit hoti hai. jiska alert uske account me aa jate hai. vo turan mobile banking app open kati hai or aane vale 10 dino tak ke important expense ke amount ko chod kar remaining amount ko 3 se 4 parts me divide kar ke in sabhi ki 1-1 years ki fd kar deti hai.

ab jab bhi money ki requirement  hoti hai kisi ek fd ko closed kar deti hai. or amount uske accout me deposit ho jata hai. is prakar use apne account par highest saving account interest milta hai.

kuch bank me Flexi FD ya i wish ke nam se bhi fd ke alternate hai jisem aap apni eaksha anusar fd kar sakte hai. par inka locking period ya locking amount hota hai.

 

 

kaise kare home loan ko interest free home loan.

                             “Hamara ek sundar sapna gahr ho apna”

ham sabhi indains ka ek sapna hota hai ki ghar apna hoan chahiye chahe vo chota ho ya bada. Sath hi ghar bannae me kiya gaya investment long term investment me good retun dene wala assets class bhi hai. Kuch log cash invest karke ghar kharidte hai ya banate hai, vahi kuch log home loan ka support lekar gahr kharidte hai or EMI bharte rahte hai. Goverment polices for home lone ne bhi home loan ko aasan banadiya hai. Or yadi ye home interest free home loan ho to kitni achhi bat hai.

Sabhi home loan providers home loan ke liya aapki property ko mortgage kar lete hai or home loan amount ko dekar  EMI bana dete hai. Home Loan EMI me ek part interest ka kr ek part base amount ka hota hai, EMI me redusing interest hota hai jiske matlab hota hai EMI me interest ka part reduce hota jai ahi or base amount badta jata hai.
Abhi sabhi nank me home loan interest rate laghbhag 9.5 % hai. Home loan le amount interest of tauar ke hiab se EMI desiede hoti hai. Aap is calculation aaise samajh sakte ahi.
home-loan-emi-calculation-from-www-makemerichest

Home loan amunt :- 1000000/-
Home loan Interest Rate:- 9.5%
Home Loan tenure :- 20 years

 

Ise home loan calculator me calculat karne par
Home Loan EMI :- 9321.31/- (for 20 years/240month tenure)
total interest :- 1237114.4/- (for 20 years/240month tenure)
Total Payable :-2237114.4/-

Ab bat aati hai es interest ko kaise bachaya ja sakta hai ya kaise home loan interest freee kiya ja ja sakta hai.

interest free Home Loan  pane  ke liya aapko bus aapne home laon amount ka .10% monthly  invest karna hai
Jiska calculation aaisa hai.

Yadi aapne 10 lakh ka loan liya hai to aapko bus 1000/- per month best mutual fund me SIP start karni hai. Ab abat aati hai ki iise home loan interest freee kaosa hua. Iski calculation aasi hai.
Sabhi good quality mutula fund ka long term return minimun 15% ka compounding return dete hai.
Is hisab se 1000/- ki SIP se 20 years me 15% ka compunding return minimun 1515954.97/- milta hai jo interest paid se kahi jyada hai.img_1824

Is amount me se home loan interest paid ko kam kar dene se 240 month me aapne jo 240000 jama kiya hai vo bhi return mil jate hai.intrest-free-home-loan-fom-makemerichest

Bus aaoko systematic investment plan lena hai or home loan ki EMI ke sath sath ise bhi regula chalu rakhana hai.
To ho gaya na home loan interest free.

I hope aapko ye post pasand aaye or aap iska benift jarur lenge. Or duro ko bhi iska benift dilayege.

SYSTEMATIC INVESTMENT PLAN, SIP KYA HAI

SIP

SIP ka pura nam SYSTEMATIC INVESTMENT PLAN hia.  iska matlab hota hai lagatar ek system ke tahat investment karna. yah un logo ke liya ek accha upai hai jo share market ke bare me nahi jante hai or adhik jokhim bhi utana nahi chahte hai. SIP Sk Aisha investment instrument hai jaha gold, mutual fund ya share bazar me invest karna aasan evam surakchit hota hai. Sip me Invester ek nischint frequency me ek nischit amount ko pahle se deside kiya gai share mutualfund ya gold mutual gold Etf fund me invest karta hai.

SIP ek Aishaa investment instrument hai jaha gold, mutual fund ya share bazar me invest karna aasan evam surakchit hota hai. Sip me Investor ek fixes frequency me ek deside amount ko pahle se decide kiya gai share mutual fund ya gold mutual gold ETF fund me invest karta hai.
SIP se ek kahavat sidh hoti hai ki bund bund se hi ghada bharta hai. sip ka purely hindi me arth hai vyavsathith nivesh yogna ise kram badh investment bhi kahna koe galat nahi hoga.

Explanation of Systematic investment plan

Sip  ok aap  is example Se  samjha  sakte hai maan lo aapke pass 50 thousand rupes hai or usko ap sharemarket me invest karna chate hai par aapko share bazar ka koe anubhav nahi hai or aap adhik risk bhi lena nahi chahte hai is condition me aap 5thousand rupes har mah ek nischit date ko kis achhe mutual fund me ya kisi achhi comapny ke share me invest kar sakte hai is amount ko gold ETF me bhi invest kar sakte hai is investment ka antaral frequancy monthly yearly weekly ya daily bhi rakha ja sakta hai. salaried person ke liya yah ek best investment stretagy hai.

BENIFITS OF SIP.

CHOTA NIVEST:- Ek chote amount jaish 500 rupes per month Se BHAI start kar skate hai jise share market ya gold ETF me invest kiya ja sakta hai. jo aapko lambe samya me adhik profit deta hai.

LOW RISK. :- Chuki sip me lagatar kam amount par invest kiya jata hia jisse difrent diffrent rate par invest kiya jata hai jo market ke utar chadav ke risk ko kam kar deta hai.
SUVIDHA  JANAK :- Jab aap ek fix amount avam fix frequancy set kar dete hai to yah amount aapke bank account se autometc debit ho jata hai or iski information aapke pas aa jati hia
NO FRAUD :-  sip ki sari process aapke pachanpatra tatha bank account se hoti hai, yani amount aapke account se debit hota hai tatha sip band karne par ammount aapke account me hi aataa hai.

NO LOCKING PERIOD. Generaly jo bhi investment plans available hote hai vo kuch ek fix lock in period me Hota hai.lekin SYSTEMATIC INVESTMENT  is with no locking period investment plan Hota hai. aap Kabhi bhi band kar sake hai , Kabhi bhi Kuch amount ya pura mount nikal sakta hai.

NO EXTRA CHARG:- IP genraly koe bhi extra amount pay nahi karna hota hia.
Sip me mukhya rup me choti choti amount regular anusasit hokar invest kiya jata hai.

yadi history dekhe jaye to sip se long term me average 25% return milta hai. yah return real rate of intrest ke hisab se lagbhag 18 % hota hai. yani aap mahgai se 18% aage chalte hai jisse aane wale badi sapno jsie makan car, bachoo ke education, ya sadi jaise importent kam jisem kafi adhik rupes lagte hai aasani se kharch kar sakte hai

Book jo aapko aarthik aajadi dila sakti hai aapko dhan van bana sakti hai.

Book reading ek ais habit hai jo aapko life me bahut kuch sikhati hai, aap yadi successful person ke bare me jankari lote hai to pata chalta hai unki daily life ka kuch time book reading ka hota hai. Or unke sucess me book ka ek bahot bada yougdan hai. kyouki Book kafi bate sikhati hai. book aapki life ka ek sachha teacher or friend hota hai.
Aaj mai aapko ek asi popular book ke bare me bata raha hu jo apki aarthik aajadi ki or kadam badane me help karegi. yah book aapko richest banne ka concept clear karegi. Yah book hai Rich Dad Poor Dad. Is book ko every person ne read karna chahiye jo aapni life me aarhik aajadi prapt karna chahte hai.
Rich dad poor dad ke author Robert Toru Kiyosaki hai . Robert Kiyosaki duniya me apne paise kamane ki soch ke liya jane jate hai.  Inhone 26 se adhik book likh chuke hai jisme sabse famous book jo best sealing book hai Rich Dad Poor Dad series.
Robert Toru Kiyosaki ke motivational quotes hai jo aapki aarthi aajadi ke or kadam badane me help karege. 

Quote :-  You’re only poor if you give up. The most important thing is that you did something. Most people only talk and dream of getting rich. You’ve done something.
 In Hindi:-  Aap tabhi garib hai, jab aap haar maan jete hai. Sabse jaruri cheej hai, ki aapne kuch kiya hai. Jyatar log keval aamir banne ki bat karte hai, or apne sapne dekhta hai, aapne kuch kiya.?   Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Quote :- The love of money is the root of all evil. The lack of money is the root of all evil.
In Hindi:-Paisa ka moh sabhi buraeyo ki jad hai. Paise ki kami sabhi buraeyo ki jad hai.  ‘Rich Dad Poor Dad ‘’Robert Kiyosaki’’
       

Quote :- If you want to be rich, you need to develop your vision. You must be standing on the edge of time gazing into the future.
 In Hindi:- agar aap amir banna chahte hai to aapko apna vision develop karna hoga . aapko samay ke kagaar par khade hokar bhavishya me jhakna hoga.       Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Quote :- Often, the more money you make the more money you spend; that’s why more money doesn’t make you rich – assets make you rich.
In Hindi:- aaksar jitna paisa aap kamate hai utna adhik kharch kar dete hai; . Is liye adhik paisa aapko amer richest banne nahi deta hai – sampati aapko richest banati hai.       Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Quote :- The only difference between a rich person and poor person is how they use their time.
In Hindi:- amir or garib aadmi ke bich ek matra antar hai ki vo kaise apne samay ka upyoug karte hai.   Rich Dad Poor Dad ‘’Robert Kiyosaki’

Quote :- Money is really just an idea.
In Hindi:paisa vastav me sirf ek vichar hai.         Rich Dad Poor Dad ‘’Robert Kiyosaki’’          

 Quote :-The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left.                                                                                                   In Hindi:- amir or garib ki philosophy ye hai: amir apna paisa invest karte hai or jo bachata hai use karch karte hai. Garib apna paisa karch karte hai or jo bachata hai use invest karte hai.   Rich Dad Poor Dad ‘’Robert Kiyosaki’’  

Quote :- It does not take money to make money.
 In Hindi:- paisa banane ke liye paisa ki jarurat nahi hoti hai.   Rich Dad Poor Dad ‘’Robert Kiyosaki’’  

Quote :- The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth in what seems to be an instant.
In Hindi:- sabse shashakata (takat var ) sampati jo ham sabhi ke pas hai vo hamara dimag hai. Agar ise sahi se train kiya jaye, to pal bhar me aap apaar dhan paidaa kar sakte hai.     Rich Dad Poor Dad ‘’Robert Kiyosaki’’
Quote :- Workers work hard enough to not be fired, and owners pay just enough so that workers won’t quit.
In Hindi:- Workers kadi mahant karte hai ki unhone nikala na jai, or owners is bat par ki workers chhod na jaye.    Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Quote :- It’s more important to grow your income than cut your expenses. It’s more important to grow your spirit that cut your dreams.
In Hindi:-Apne kharche kam karne se jyada jaruri apni aamdani badana hai. Apne sapno ko kam karne se jyada ja jaruri apne sahas ko badana hia.                                                                                                                                                Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Quote :- Don’t be addicted to money. Work to learn. Don’t work for money. Work for knowledge.
In Hindi:- Paise ki lat mat lagaeya , sikhne ke liya kam kariya. Paise ke liye mat kam kariya. Gyan ke liya kam kariya.                                                                                                                                                      Rich Dad Poor Dad ‘’Robert Kiyosaki’’

Aaj hi is book ko jarro khareediya. ye aapki aarthik aajadi ke liya pahla kadam hai. By now this book and change your economical status.

Investment kya hai , investment  kyou jaruri hai or investment ke kya  benefits hai.

www-makemerichest-com20160819investment-meaning-investment-benifitsInvestment

Aaja mai aapko life me kieya jane wala ek important work ya responsibility ke bare me  bata rahi hu jise nivesh ya investment khate hai.
investment meaning :-  ‘’the action or process of investing money for profit”.  arthat profit ke liya paiso ka nivesh ya paiso ko upyoug.

To aaj jante hai nivesh kya haia or yah kyou jaruri hai.
Aapne is website ke page,blog ko khola hia iske liya aapko badhai deta hu kyou ki yah hai, yah aapka investment me interest show karta hai, jo aapki life badal sakta hai.

Investments life ka ek important part hai jiseme aap paise se paisa banate hai.  Jise aap enjoy bhi karte hai kyuki paise kis ko bura lagta hia. Paisa sabhi ko pasand hia.

Jivan me kai bar easi condition aa jati hai jab aap ko kisi samasya ka samna karna padata hai,  jis  samasya  ka aasan elaaj  pasia hi hota hai. Samjhadar log jo pahle se invest karte  or invested rahate hai pahle se sambhla kar chalet hai aisi condition ko paise ke dam par jit jate hai.

jaisa ki investment meaning  me kaha hai  ‘’the action or process of investing money for profit”  yani aapko paise ko is prakar use karna hai jisse aapko ek good profit mile. or aapka paisa bhi bad jaye.

Aapko is  blog  se types of investments or financial instruments ke bare me btlaougi jo aapki arthik aajadi me help karegi. Mera purpose bhi yahi hai ki mai logo ki arthik ajadi me help karu. To mai aapko investmet ke kuch kash benefits bata rahi hu.

                              Benifts of investment.

Potential for long-term returns:-    surakshit or sahi tarah se kiya gaye high return investment me lambe samya me compounding return, adhik se adik profit pahucahne ka dam hota hia.

Outperform inflation :- generally  dekha jata hai ki aapki saving par jo bank interest milta hai usse jyada to inflation yani mahgai badjaait hai isliya yadi aapen sahi invest kiya hai to yah mahgai ko bhi mat de deti hai. is liya aapko hamesa real rate of return dekh kar hi investment karna chahiye.

Provide a regular income:- aapke kam nahi karne ki condition me bhi kiya gaya nivesh regular income deti raht hai kyou ki paisa aapke liya kam karta hai. invested money never sleep, yah aapke liye 24 hours work karta rahat hai.

Life ke different different stage ki requirement ki purti :- yah  aapko life me samay samay par jaise  bachho  ka education, shadi, aapke retairment, critical illness, home, makan, car  aadi lene me help karte hai.

also read :-  systematic investment plan kya hai.

Imprve The quality of life :- sahi time par start kiya gay invest or sahi jagah kiya gaya invest aapki Quality of life ko improve karta hai.

Is blog ki help se mai aap Sabi se request karta hu ki aap apni income ka kam se kam  20% invest karna start kare jisse aapko lambe time me ahik return milega. aap aarthik aadhi ke or aapna kadam badaye

Affordable Loan Calculator

function principal(){if((document.getElementById(’emi2′).value==null || document.getElementById(’emi2′).value.length==0) || (document.getElementById(‘months2’).value==null || document.getElementById(‘months2’).value.length==0) || (document.getElementById(‘rate2’).value==null || document.getElementById(‘rate2’).value.length==0)) {document.getElementById(‘princ2′).value=”Data Reqd.”;}else {var emi=document.getElementById(’emi2′).value;var princ=document.getElementById(‘princ2’).value; var term =document.getElementById(‘months2’).value;var intr=document.getElementById(‘rate2’).value / 1200;document.getElementById(‘princ2’).value=Math.round(emi*(1-(Math.pow(1/(1 + intr), term)))/intr);document.getElementById(‘gt2′).value= Math.round(document.getElementById(’emi2′).value * document.getElementById(‘months2’).value); document.getElementById(‘tintt2’).value=Math.round(document.getElementById(‘gt2’).value*1-document.getElementById(‘princ2’).value*1);} }
// Widget Code by http://widgetcodes.com/

#outer{width:300px;background:#fff;text-align:center;}
#cover{border:2px solid #111;border-radius:7px;box-shadow:inset 0 0 13px #888;padding:7px 0}
.main{table-layout:fixed;width:94%;border:0;border-collapse:collapse;margin:0 auto;}
.main td{padding:0 8px;vertical-align:middle;text-align:left;border:0;font:500 11px arial}
.main input{width:96%;border:1px solid #ccc;margin:2px 0;padding:0 2%;height:17px;text-align:right;font:500 11px arial}
.main select{width:100%;border:1px solid #ccc;margin:2px 0;background:#fff;height:18px;font:500 11px arial}.w50{width:50%}.main button{width:100%;font:600 12px arial;margin:2px 0;}

Affordable Loan Calculator

Affordable EMI

Repayment in months

Interest Rate

Affordable Loan

Interest payable

Total payable

Deposit Maturity Value Calculator

function maturity(){var principal=document.getElementById(‘principal’).value;var rate=document.getElementById(‘rate’).value;var ci=document.getElementById(‘ci’).value;var time=document.getElementById(‘time’).value;var irate=rate/ci;var mv=document.getElementById(‘mv’).value;
document.getElementById(‘mv’).value=(document.getElementById(‘principal’).value*Math.pow((1 + irate/100),(time/12*ci))).toFixed(2);}
// Widget Code by http://widgetcodes.com/
#outer{width:300px;background:#fff;text-align:center;}
#cover{border:2px solid #111;border-radius:7px;box-shadow:inset 0 0 13px #888;padding:7px 0}
.main{table-layout:fixed;width:94%;border:0;border-collapse:collapse;margin:0 auto;}
.main td{padding:0 8px;vertical-align:middle;text-align:left;border:0;font:500 11px arial}
.main input{width:96%;border:1px solid #ccc;margin:2px 0;padding:0 2%;height:17px;text-align:right;font:500 11px arial}.ac{text-align:center}
.main select{width:100%;border:1px solid #ccc;margin:2px 0;background:#fff;height:18px;font:500 11px arial}.w50{width:50%}.main button{width:100%;font:600 12px arial;margin:2px 0;}

Principal

Interest Rate

Interest Compounding

MonthlyQuarterlyHalf-yearlyYearly

Period (months)

Maturity Value