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Showing posts with label World News. Show all posts
Showing posts with label World News. Show all posts

4 thing you must know about Rent receipts & claiming HRA

Of all the tax benefits, HRA exemption is the most popular. Here are a few must know things about claiming HRA.
  • Submit rent receipts
If you are claiming HRA through your employer, they’ll need a proof of rent payment to allow you exemption. The income tax act has made it the employer’s responsibility to collect rent receipts. On the basis of rent receipts submitted by you, your final tax liability shall be calculated and TDS adjusted accordingly.

  • Landlord’s PAN details
If the annual rent paid by you is more than Rs 1,00,000, it is compulsory to get PAN of the landlord and report it to your employer. In case due to some reasons the landlord does not provide you the PAN or does not have one, you can ask for a declaration to this effect from the landlord with name and address of the landlord. And submit to employer and keep a copy safely in your records.

  • HRA can be claimed directly in your tax return
If you have not been able to submit rent receipts to your employer, do not worry. HRA exemption can be directly claimed in your tax return. Calculate your HRA exemption and reduce the exempt portion from your total taxable salary. The net amount has to be shown under the head income from salary in your tax return.

  • It may be possible to claim both HRA and home loan deduction
Under certain conditions you may be allowed to claim HRA as well as interest on home loan deduction. For example, you work in one city and live on rent but your family resides in another city and you buy a home where your family is. You can’t live in your own house since it’s far from your workplace and you take a house on rent closer to your office. There may be another situation applicable to you. In the above cases you may be allowed to claim HRA for the house on rent and also claim home loan deduction.

This article is by ClearTax (www.cleartax.in), India’s largest tax filing website where Individuals and Businesses can e-File their I-T Returns

Income Tax Return Filing for Beginners in India

For a beginner, income tax return filing may seem like a big deal. If this is your first time at it, here's are some pointers to help you sail.

1. Should I file a Return?
The IT department requires that one must file an income tax return if their total income is more than Rs 2,50,000. This total income is essentially the sum of income earned from all sources - salary, interest income from the bank, any rental income etc. Also the Rs 2,50,000 is your gross income before reducing any Deductions. Non-filing of returns may attract some penalties from the IT department.

2. All my tax is already deducted?
While, TDS may already have been deducted from your salary and other incomes, disclosing all your incomes and filing your return timely is your responsibility. So we go back to the thumb rule of 'file a return where your income exceeds Rs 2,50,000', whether or not TDS is deducted, all taxes may have been paid - the IT department still wants you to submit your IT Return.

3. My employer gave me a Form 16?
Your Form 16 is like a certificate your employer gave you for all the taxes they deducted before paying you salary. In fact, anyone who deducts tax before paying you is required to give you a certificate of it. Your Form 16 has other vital information which will help you file your return easily - so do remember to get hold of this document. If you changed jobs during the year, you'll have as many Form 16s.

4. I don't know what is my total Income?
Your income is the sum total of your income from the following heads - income from salaries, income from house property, income from capital gains, Income from business & profession and Income from other sources.
 

Income from SalarySalary, HRA, other allowances basically all the money you receive while rendering your job as a result of your employment agreement.
Income from House PropertyIncome from your house that you have rented. Or if you have taken a loan for a house property that own and live in, the interest payout shall be your loss under this head. This loss can be adjusted against incomes from other heads.
Income from Capital GainsIncome from gain or loss when you sell a capital asset. For example, sale of shares, mutual funds etc.
Income from Business or ProfessionIncome/loss that arises as a result of carrying on a business or profession.
Income from Other SourcesThis is the residual head -includes your income from savings bank accounts, fixed deposits, family pension or gifts received.

You can choose to disclose all your incomes to your employer and they will deduct tax on them. This saves you the hassle of paying taxes yourself. Now while filing your return, make sure you have considered all sources of income including interest on your savings bank account, interest from FDs or any shares you sold during the year. Your tax return should mention all your incomes.

5. What are deductions from income?
Certain deductions are available under section 80C to 80U. These deductions are allowed from your gross income and may help you move down a slab as well as reduce your tax outgo, so make the most of them. Your contributions to EPF, deposits to PPF, life insurance premium payments are all eligible to be deducted under section 80C. The maximum amount you can claim under section 80C is Rs 1,50,000 for financial year 2014-15. That's a lot of reduction from your gross income. If you have taken health insurance, a deduction is allowed under section 80D, for interest payment on education loans deduction can be claimed under section 80E and a lot of other deductions are available too, if you meet the conditions listed therein.

6. How do I go about filing my return?
You can simply upload your Form 16 on ClearTax and populate your return. You can also go head by head and keep adding details of your incomes. Make sure you have mentioned all the deductions you want to claim. Use your Form 26AS to get a sense of all the TDS that has been deducted against your PAN number and take credit of this TDS against your final tax liability. Or if excess TDS has been deducted, you may be in a refund situation. Form 26AS will also help you identify all the incomes you need to report if they've been subjected to TDS. You'll see your interest income from the bank and the TDS deducted on it, so you can add the income under the head 'income from other sources' and take credit for TDS deducted. Of course, your return must include all incomes, whether or not TDS has been deducted on them. Do remember to enter your personal information like PAN, phone number, email address and bank account number accurately. Usually salary returns are not complex and you'll be done in a matter of few minutes.

Hope this helps you succeed at filing your return the first time.

Disclaimer: All information in this article has been provided by Cleartax.in and Ezeeguide.blogspot.com is not responsible for the accuracy and completeness of the same.

Gold Monetization Scheme: Here's How You Can Earn Interest on Your Gold in India

The government on Tuesday released the draft guidelines for its ambitious gold monetization scheme that aims to cut down gold imports in the country. The guidelines have been notified nearly three months after the scheme was announced by Finance Minister Arun Jaitley in the Union Budget.

Here's how the gold mobilization scheme is likely to work according to the draft guidelines:

1) The scheme is meant to mobilize gold held by domestic households and institutions. Gold collected through the scheme will be made available to jewelers for manufacturing of new jewellery and other items.

2) The scheme will initially be launched at a few places because the government will have to first set-up infrastructure for facilitating easy and secure handling of gold.

3) Gold collected from consumers will first be cleaned and measured at test centres; it would then be melted to test for purity. After the tests, consumers can either deposit the gold for a fee or take it back after paying a nominal fee.

4) The minimum quantity of gold that a customer can bring is proposed to be set at 30 grams.

5) Those willing to deposit the gold will be given a certificate mentioning the amount and purity of the deposited gold. Banks will open a 'Gold Savings Account' on the basis of such certificates.

6) Consumers will be paid interest on their gold savings account after 30/60 days of account opening. The amount of interest rate to be given is proposed to be left to the banks to decide.

7) Both principal and interest will be paid to the depositors of gold, will be 'valued' in gold. For example if a customer deposits 100 gms of gold and gets 1 per cent interest, then, on maturity he has a credit of 101 gms.

8) The customer will have the option of redemption either in cash or in gold, which will have to be exercised in the beginning itself (that is, at the time of making the deposit).

9) The tenure of the deposit will be minimum 1 year and in multiples of one year. Like a fixed deposit, breaking of locking period will be allowed.

10) Gold savings account will be exempt from capital gains tax, wealth tax and income tax.

According to the government, gold deposit accounts will utilise the 20,000 tonnes available within the country and help in cutting down the 800-1,000 tonnes of gold the country ships every year. The last day for submitting feedback on draft guidelines with the finance ministry is June 2.


Its a shame....Indian Passport Ranked 48 Out of 50 Most Powerful Travel Document: Survey

LONDON:  The Indian passport has been ranked 48th in a list of 50 most powerful travel document in the world, according to a global survey topped by Sweden.


Germany-based Go Euro travel comparison website ranked the top 50 countries of the world based on their passport's eligibility for visa-free entry, cost of application as well as number of hours worked to acquire the document.

India, which came towards the bottom of the ranking, offered visa-free entry to 52 countries and cost 24 dollars and 87 hours of working time.

Sweden topped the chart with 174 visa-free countries, costing 43 dollars and just one hour of working time.

Finland, Germany, the UK and US completed the top 5 with 174 visa-free countries all round.

"As any avid traveller knows, passports are the key to adventures.

"Passports are the ultimate 'don't leave home without it' item, but the nationality on one's passport can have a major effect on travel plans and time abroad," Go Euro said in a statement.

Iraq and Afghanistan were ranked the least useful nationalities for passports with Pakistan not even making to the top 50.

HOW TO CELEBRATE YOUR BIRTHDAY - THINGS TO AVOID AND THINGS YOU MUST DO ON YOUR BIRTHDAY

Please don't say, you don't have the habit of celebrating your birthday.
Avoid Cutting Cakes with candles.
Avoid using Knife for cutting cakes.
Do not use any Candles to blow off. Its not a good thing to blow off the lights on your birthday.

You must celebrate your Birthday, by following these 9 steps:


(1) Take a head bath in early morning. use any conditioner(coconut oil) to your hair. and Massage your body with some body massaging oils. Wear new or Clean cloths.

(2) Pray for your Favorite or Family God. 
(3) Mix - Cows milk, Sigar cane, Black Sesame Seeds together. Put this mixture on your right hand and drink for 3 times.
(4) Remember the names - Ashwadhama, Bhali, Vyasudu, Vibheshanudu, Hanuman, Krupacharyudu, Parushuramudu. Just remember these 7 names. They are Saptha Chiranjeeva's, means they don't have any death by birth.
(5)Take blessings from your parents and teacher.
(6)Go to nearest temple and get blessings from god. Also do Archana and Abhishekam. Especially for Lord shiva - The lord for Nava Grahas.
(7)Offer food to Poor and Needy, this is very important on your birthday. If you cannot able to do this, at least offer some green grass to a cow.
(8)Eat a Full meal in your lunch time.
(9)Do not participate in sex on your Birthday or in the night.

cost to startup a basic eCommerce company in INDIA

Say you are a stay-at-home-dad who wants to sell your own neat apparel designs online, or a creative mom who can make some excellent handicrafts at home. Now you are interested in setting up a storefront on the web so you can “get in on this eCommerce thing” or “make money on the side” or “make some extra revenue when you sleep”. Here’s what you need to get going.
ItemWho you need to set this up?How much will it cost?
Company Incorporation
(MOA, AOA, PAN Card, Company legal entity, Bank Account)
CA, Accountant or Company SecretaryRs. 50,000 (Bangalore)
Payment Gateway (To accept credit card, net banking or debit card online)EBS, CC Avenue, your bank (Axis, HDFC, etc.)Rs. 25,000 (initiation fee)
2 – 4% transaction fee (negotiable)
Rs. 500 – Rs. 1500 monthly fee (can get this waived)
eCommerce SoftwareShopping cart software companies (Shopify, Big Commerce, MartJack, IQecommerce) + Do the catalog setup yourselfRs.1000 to Rs. 10,000 per month starting
eCommerce team (Optional if you use off-the-shelf hosted software)Build your own team of 2 people to custom build eCommerce storefrontRs. 1.5 to Rs. 2.5 Lakhs per month
Computer, machines, servers for developers (if you are building a team)Go Daddy, Big Rock, your local PC resellerRs. 50,000 + Rs 10,000 per month for hosting (basic plan)
Office Space (if you have a team that wants to work in an office)Get a small, cheap shared space instead of a big swanking officeRs. 5000 per month
ShippingBlue Dart, Aramex or Fed Ex (AFL)Rs. 20,000 (setup account, negotiable to zero) + Rs. 25 to Rs. 45 per shipment (up to 500 grams in weight)
Initial MarketingDo it yourself (poster, flyers, send email to friends)Typically zero, but budget Rs. 20,000
Computer (Desktop or Laptop) + Internet + PhoneAssuming you don’t have one alreadyRs. 30,000 + Rs. 2000 per month (for a good internet connection)
   
Total starting costs Minimum: Rs. 1 Lakh plus Rs. 25,000 per month (using hosted shopping cart software)

Maximum: Rs. 4-5 Lakhs plus Rs. 2 Lakhs per month (building a team and hosting yourself)

Parenting Advise skills

#1 Create the Right Atmosphere

Sadhguru: Creating the necessary ambience is a large part of parenthood. You must create the right kind of atmosphere – a certain sense of joy, love, care and discipline both within yourself and in your home. The only thing that you can do to your child is to give him love and support. Create a loving atmosphere for him where intelligence will naturally flower. A child looks at life pristinely. So you sit with him and look at life fresh, like he does. Your child need not do what you did in life. Your child should do something that you did not even have the courage to think about. Only then will this world progress and something happen.
A basic responsibility that humanity has to fulfill is to ensure that the next generation of human beings is at least one step ahead of you and me. It is extremely important that the next generation should live a little more joyfully, with less fear, less prejudice, less entanglement, less hatred, less misery. We must aim for this. Your contribution to the next generation should be that you don’t leave a brat in the world, you should leave a human being who is at least a little better than you.

#2 Know What Your Child Needs

Sadhguru: Some parents in their aspiration or ambition to make their children super-strong, have unnecessarily put their children through too much hardship. They want their children to become what they themselves could not become. In trying to fulfill their ambitions through their children, some parents have been extremely cruel to children. Other parents, believing that they are very loving to their children have over-pampered them and made them powerless and useless in the world.
Once, there was a yogi who belonged to a certain tradition called Kashmir Shaivism. This is one of the seven forms of yoga. It is a very powerful form, but it has mostly remained in the Kashmir area, so it acquired that name. One day, this yogi saw a cocoon which was slightly cracked, and the butterfly inside was really struggling to come out – the cocoon shell was too hard. Usually, the butterfly struggles constantly for almost forty-eight hours to come out of the cocoon. If it does not come out, it will die. The yogi saw this and out of his compassion he used his nail and opened the cocoon so that the butterfly could come free. But when it came out, it could not fly. It is that struggle to break out of the cocoon which empowers the butterfly to use its wings and fly. What is the use of a butterfly that cannot fly? A lot of people, in what they think is love for their children, have made their children like this. The children don’t fly in their life.
There is no standard rule for all children. Each child is different. It is a certain discretion. No perfect line can be drawn as to how much to do and not do. Different children may need different levels of attention, love and toughness. If you were to come and ask me while I am standing in the coconut garden, “How much should I water each plant?” I would say “A minimum of fifty liters.” But if you go home and pour 50 liters for your rose plant, it will die. So you must see what kind of plant you have in your house.

#3 Learn From Your Child

Sadhguru: Most adults assume that as soon as a child is born, it is time to become teachers. When a child enters your house, it is not the time to become a teacher, it is time to learn, because if you look at yourself and your child, your child is more joyous, isn’t it? So it is time you learn life from them, not the other way around. The only thing that you can teach your child – which you have to, to some extent – is how to survive. But when it comes to life itself, a child knows more about life experientially, by himself. He is life; he knows it. Even with you, if you take away the influences you have imposed upon your mind, your life energies know how to be. It is only your mind which doesn’t know how to be. An adult is capable of all kinds of sufferings – imagined sufferings. A child has still not gone to that. So it is time to learn, not teach.

#4 Just Let Him Be

Sadhguru: If parents are truly concerned about their children, they must raise their children in such a way that the child will never have any need for the parent. The process of loving should always be a liberating process, not an entangling process. So when the child is born, allow the child to look around, spend time with nature and spend time with himself. Create an atmosphere of love and support and don’t try to impose your morals, ideas, religion or whatever in any way. Just allow him to grow, allow his intelligence to grow and help him look at life on his own terms, as a human being – not identified with the family, or your wealth or whatever else. Just helping him to look at life as a human being is very essential for his wellbeing and the wellbeing of the world. Always, the parent encouraging the child to learn to think for himself, to use his own intelligence to see what is best for him is the best insurance you have so that the child grows up well.

#5 Be a Joyful, Peaceful Being

Sadhguru: If you want to bring up your child well, the first thing is, you should be happy. But you, by yourself do not know how to be happy. Every day in your house, when tension, anger, fear, anxiety and jealousy are the only things that are being demonstrated to your child, what is going to happen to him? He will obviously learn only these, isn’t it? If you really have the intention of bringing up your child well, you should change yourself to be a loving, joyous and peaceful being. If you are incapable of transforming yourself, where is the question of you bringing up your child?
If we really want to bring up our children well, first of all we must see if we can do something with ourselves. Everyone who wishes to be a parent must do one simple experiment. Let them sit down and see what is it that is not okay with their lives, and what would be good for their lives – not about the world outside, but about themselves. Something about yourself – your own behavior, speech, modes of action, and habits – if you can alter that in three months, then you would handle your child also with wisdom.

5 Differences between NRE and NRO Fixed deposit -HDFC ICICI SBI Kotak

Difference between NRE and NRO fixed deposit
NRI has two option to invest in Fixed deposit in India NRE  fixed deposit and NRO fixed deposit but you need to be careful whether you choose NRE or NRO fixed deposit as taxation rules on NRE and NRO Fixed deposit is different. Principle and Interest earned in NRE fixed deposits are completely tax free, while interest earned on NRO fixed deposit are subject to TDS and deduct at maximum rate of 30%. Also you can send rupees back to your overseas account if it is held in NRE fixed deposit, but you can not repatriate money from NRO fixed deposit. In this article we will see some differences between NRE and NRO fixed deposit opened with any Indian banks like ICICI, HDFC, SBI or Kotak Bank and find out whether you should open NRE fixed deposit or choose NRO fixed deposit based upon your requirements. In short, if you are opening fixed deposit from overseas money by converting it into rupees then send it to your NRE saving account and create a NRE fixed deposit right there. On the other hand if money is earned in Indian rupees via different income sources e.g. dividend, or income from rent than you must have a NRO saving account to receive those amount, use this amount to create a NRO fixed deposit. In both the cases its not good to leave money idle, because they will earn less interest rates. Also if you eventually thinking to repatriate or send money back to your overseas account, think of opening an FCNR fixed deposit, this will reduce your exchange conversion risk and you may yield better returns if US dollar become stronger in next few years. 



Difference on NRE and NRO FD

NRI can open both NRE and NRO FD in one bank and online by using his NRE or NRO Savings accounts but before opening NRE or NRO FD, you must know taxation rules related to both of them because that will make difference in your overall interest gain or yield. Here are few notable difference between NRO and NRE fixed deposit :

1) First and major difference between NRE and NRO fixed deposit is that interest earned on NRO fixed deposit is taxable in India. it means you need to pay income tax on all there interest you earned in NRO fixed deposit with a rate of 30.9% which is quite higher, on there other had interest earned on NRE fixed deposit is exempted from tax in India. Which means you don't need to pay any income tax on interest accrued in NRE fixed deposit. This difference alone is significant enough to choose NRE fixed deposit over NRO fixed deposit. By the way if you don’t have lump sum amount to invest, you can take benefit of NRE or NRO Recurring deposit, to lock your money with higher interest rate and soaring exchange rates.

2) Another difference between NRE and NRO fixed deposit is that, In case of NRO fixed deposit you can not repatriate principle back to foreign country, you can only transfer interest earned on NRO fixed deposit to foreign country or abroad where you staying. On the other hand NRE Fixed deposit allows you to transfer both principle and interest to abroad. Everything from principle to interest earned are fully repatriable in NRE fixed deposit. This is another significant difference between NRO and NRE fixed deposit which suggest choose NRE over NRO FD.

3)One more difference between NRE and NRO term deposit is that you can open NRO term deposit jointly with your family member which is not NRI,means parents staying in India or any immediate family member staying in India can hold NRO term deposit along with you. On the other hand NRE term deposit can only be open jointly with another NRI, which is kind of restriction if your family is staying in India. This can be very important difference depending upon personal situation of NRI. IF you are a unmarried software professional working in abroad and want to open joint fixed deposit than you can choose NRO fixed deposit over NRE fixed deposit. If you want to keep your money on foreign currency like USD, GBP, AUD etc, you can also choose to open FCNR fixed deposit with HDFC Bank, ICICI, SBI, RBS and Kotak Mahindra. FCNR deposits are free from exchange rate risk and also provide better interest rates than Fixed deposit with local foreign banks e.g. Citibank or Bank of America in US and Canada

What is difference between NRE and NRO fixed deposit of HDFC ICICI and SBI 4) Another difference between NRO and NRE term deposit is interest rates. Currently difference on interest rate is not much between NRE and NRO fixed deposit but if you see better interest offered in NRE fixed deposit than you can leverage that because both NRE and NRO fixed deposit holds money in Indian Rupees (INR) but just be cautious and read first few differences between NRE and NRO fixed deposit if you intention is taking money back to abroad because both NRE and NRO term deposit are subject to Currency risk, if Exchange rates will not in your favor once your NRE or NRO FD matures than you might loose instead of gaining for depositing money in Indian Rupees for 3 years in India on the other hand you might get better returns if exchange rates turns into your favor. Anyway I suggest avoiding currency risk and only investing amount which you definitely want to keep as Indian Rupee and don't want to repatriate. There are other option available like FCNR Fixed deposit which allows you to keep money in foreign currency and get better returns than what is offered by foreign banks.

5) Another difference between NRE and NRO fixed deposit is How to transfer or deposit money ? NRE fixed deposit can only be open by sending foreign currency chece, remitting foreign currency directly to your NRE Saving account using money2Indiaremit2India orclick2Remit or any other remitting services. You can not open NRE fixed deposit by transferring Indian rupees from any other Resident or NRO Saving account. this is a restriction, On the other hand NRO Fixed deposit can be open by transferring money from NRE Saving account or income earned in India, e.g. Rental income, Stock dividends, short term capital gains, long term capital gains etc.

These were some of the important differences between NRE and NRO fixed deposit, which will help you to decide whether you shouldinvest in NRE fixed deposit or open an NRO fixed deposit. Decide based upon your need and priority. My suggestion is that if choose NRE fixed deposit over NRO fixed deposit t to get tax benefits and facility to send principle and interest back to foreign currency in case your required. Chose NRO fixed deposit if you wan to open term deposit account jointly with your Non NRI family members.

If You Want To Work For Apple, Microsoft, Or Google, Go To One Of These Schools

For all the talk of "cognitive ability" and "behavioral interviewing," tech firms like Microsoft and Google have a similar hiring pattern to just about any other business: proximity. 
That's according to Wired, which found that  recruitment is typically tied to how close a college campus is to the corporate campus, with a few notable exceptions. 
To find this out, Wired did a little poking around LinkedIn to find the top five "donating" schools for seven tech firms. The magazine's mission was "to see if non-Stanford grads have a chance at Silicon Valley firms (they do) and whether Ivy Leagues dominate (they don’t)." 
Take Microsoft, for instance. Bill Gates's empire is headquartered in Redmond, Washington. Correspondingly, lots of recruits come from that state. Judging by Wired's infographic, Microsoft employs approximately: 
  • 5,000 University of Washington grads
  • 1,000 Washington State grads
  • 800 Western Washington University grads
Then there's Apple. The house that Steve Jobs built has this employee breakdown: 
  • 900 University of California, Berkeley, grads
  • 800 San Jose State grads
  • 300 University of Texas, Austin, grads
Lastly, let's look at Google. The prestigious search giant has loads of California connections, with some East Coast schools thrown in. The approximate numbers are: 
  • 2,500 Stanford grads
  • 2,000 University of California, Berkeley, grads
  • 800 Carnegie Mellon grads
  • 800 University of California, Los Angeles, grads
Why would big, global companies hire from their nearby colleges? While we don't have anyone in HR at Microsoft, we do know hiring trends. Namely, people hire people they know, and it's easiest to know the folks who are nearby. 
And if you didn't go to Stanford, fret not; you can still end up at Google. Just spend a stint at Microsoft: Wired reports it's the top feeder company to Google. 


The 25 Hottest Skills That Got People Hired in 2013

As 2013 draws to a close, we thought it would be interesting to look back at the year that was and try to answer a simple question: “Who’s getting hired and what are they doing?”
Our approach involved analyzing the skills and employment history of more than 259 million LinkedIn members’ profiles. Expertise (skills) and experience (work history) represent the primary components of professional identity on LinkedIn.
If the skills you have on your LinkedIn profile fit one of the categories below, there’s a good chance that you started a new job or were approached by a recruiter about an open position in the past year.
LI25HottestSkillsRankingListThree
The digital representation of professional experience and expertise, to the extent that members choose to share, is one of the essential elements of our vision for creating a global economic graph. In this instance, the ability to help map the skills needed to obtain economic opportunity.
Here are a few key trends that appeared after reviewing the results of our analysis:
  • Technology skills are highly valued. It’s almost 2014. This shouldn’t come as a big surprise, but if it isn’t already painfully clear why Science, Technology, Engineering, and Math (STEM) education is a top priority for many of the world’s governments, now you know.
  • We live in a data-driven world. Cloud and distributed computing (#3), data mining (#5), and data engineering (#12) being highly ranked on our list paints a picture of a world overwhelmed with information, with businesses scrambling to store, retrieve, and make sense of it all.
  • Businesses are looking to grow. Recruiting (#8), business development (#9), and strategic planning (#24) are all skills that help businesses hire more employees and find new sources of revenue.
So, with 2014 fast approaching, now’s the time to start thinking about resolutions and perhaps a few new skills you’d like to obtain in the next year. If a new skill were to help you in your professional career, personal life, or passion project, what would it be?
Methodological details: Since there are thousands of individual skills (and growing!) that you could list on your LinkedIn profile, the first thing we did was group these skills into meaningful categories, in order to give us the best chance of making sense of all the data. Next, we looked at all of the hiring and recruiting activity that happened on LinkedIn in the past year (as of December 5, 2013), and determined which skill categories drew the most interest from employers in 2013

Traditional Rituals of Indian(Telugu) Wedding

Though every region in the country has a different set of rituals and traditions that they follow in their weddings, Telugu wedding traditions are quite similar to the Tamil ones. Also a unique feature of the Telugu weddings is that they focus mostly on spirituality and not solely on religion.

In a Telugu wedding, functions and rituals are considered to be complete only when women participate in them. They give utmost respect to women and consider women as an equal to men when it comes to marriages and family life. Here are some basic rituals that are involved in a traditional Telugu wedding.

Pre-wedding Rituals and Traditions

Muhurtam
In this ritual, the auspicious wedding day is finalised by the priests in the presence of the elderly family members. Tamil weddings usually do not take place in the months of Aashad, Bhadrapad and Shunya.
Pendikoothuru
More like the haldi ceremony up North, in this ritual, a paste of turmeric and oil is applied to both the bride and the groom. After this, they are required to bathe and wear fresh clothes. The bride’s hair is then adorned with fresh flowers.
Image Courtesy: Mahima Bhatia Photography
Snathakam
This ritual takes place at the groom's place. In this, he is made to wear the holy silver thread. This is a mark that he is now ready to graduate from bachelorhood to become a family man.
Kashi Yatra
Similar to the Kashi Yatra ritual in the Tamil weddings, here the groom pretends he is off to Kashi for a holy pilgrimage and is no longer interested in worldly pleasures. He is stopped by the bride’s brother who promises his sister’s hand in matrimony to the groom.

Wedding Rituals and Traditions

Mangala Snaanam
This is a ritual that takes place on the wedding morning where the bride and groom take a purifying holy bath after which they attend the aarti.
Aarti
After the holy bath, the bride and the groom are applied oil in their respective houses. After this, their families perform an aarti and pray for the couple's happy life together.
Gauri Puja
This ritual usually takes place at the bride’s house where she offers her prayers to Goddess Gauri and seeks the deity’s blessings.
Ganesha and Gauri Puja
The groom is supposed to perform the Ganesh puja at the mandap before the arrival of the bride to ward off all evils and any obstacles.
Bride’s Entry
The bride is accompanied to the mandap by her maternal uncle. At the mandap, there is a curtain between the groom and her, while the priest recites the holy mantras. In some communities, the bride is carried to the mandap in a bamboo basket by her uncles.
Image Courtesy: Inderjeet Gill Photography
Jeerakalla-Bellamu 
Here, the bride and the groom apply a paste of jeera (cumin) and jaggery on each other’s hands from under the curtain. This ritual denotes their inseparable and unbreakable bond.
Kanyadaan
This ritual is performed by the bride’s parents where after washing the groom’s feet, they offer their daughter’s hand to the groom. The groom promises to love, respect and protect his bride for life.
Madhuparkam 
In this ritual, the bride is made to wear a cotton saree with a red broder, while the groom wears a white cotton dhoti with a red border. This is the traditional wedding outfit of the bride and the groom. These colours symbolise their purity and strength respectively.
Mangalsutra ritual
During this ritual, the curtain between the couple is removed and the groom ties a mangalsutraaround the bride’s neck with three knots. This signifies their mental, physical and spiritual union with each other.

Image Courtesy: Inderjeet Gill Photography
Talambralu
In this ritual, the bride and the groom pour pearls or turmeric coloured rice on each other’s head. They cup their hands and hold rice in it. The couple then slides the rice over each other’s head as a priest recites mantras.
Kanyadaan Akshata
Here the couple exchanges flower garlands as their friends and relatives shower flowers and turmeric coloured rice on the couple.
Saptapadi and Sthaalipaakam
In this ritual, the couple takes seven rounds around the holy fire while taking their marriage vows. After this, the groom puts a silver toe ring on the bride’s toe.
Image Courtesy: Inderjeet Gill Photography
Appagintalu
This is similar to the vidaai ceremony in the North Indian weddings. Once the wedding is over, the bride is traditionally considered to be a part of the groom's family from then on. This is a bittersweet moment for the bride and her family.

Post-wedding Rituals and Traditions

Grihapravesh
After leaving her parent’s home, the newlywed couple reaches the groom’s house. Here, the groom’s mother welcomes the couple by performing a small aarti.
Different Telugu communities have different rituals and customs for their celebrations. But generally, Telugu weddings attach a deep spiritual value to whatever customs they may follow.
Cover Image Courtesy: Inderjeet Gill Photography

10 visa-free destinations for Indian citizens

Indian travellers may rue the declining rupee but there are other perks to being an Indian citizen. Holders of Indian passports have visa-free and visa-on-arrival access to about 52 countries and territories around the world. At least 28 of these nations allow Indian passport holders to visit without a pre-issued visa.

In many cases, an Indian citizen's country of residence determines the degree of access to other countries. Indian citizens holding permanent resident (Green Card) status in the United States do not require visas to visit Canada, Mexico and some Caribbean islands. Indians with a residency in Gulf Cooperation Council (GCC) countries do not need a visa to enter the United Arab Emirates. Indian citizens do not, similarly, need a visa to enter Nepal or Bhutan.

Do note, however, that getting to some of these destinations might involve a significant air travel cost. Also bear in mind that visa-free access, though it may be permitted, is not necessarily a right. Permission to enter a country is granted subject to the decision of border and immigration officers. Visiting for reasons other than tourism may require a pre-issued visa.


1. BHUTAN

Bhutan, the happiest little nation in the world, is among the most sought-after Himalayan destinations for tourists but the Himalayan mountain kingdom is very conservative when it comes to tourism. Travel writer Pico Iyer mentioned it in his book, Falling off the Map, as one of the world's remotest places. Until recently, Bhutan restricted tourist numbers. Though that has changed, the country still requires foreign tourists to pay for their entire holiday in advance and travel on a pre-issued tourist visa. Flying into Bhutan's solitary airport at Paro is possible only through the national carrier Druk Air, which operates flights from Delhi, Kolkata, Bangkok and Yangon. 

Indian citizens, however, have it easier. On production of a valid passport or voter's identity card, a permit is issued that is valid for two weeks. 

Tourism information: http://www.tourism.gov.bt/

2. BRITISH VIRGIN ISLANDS

Most Indians need to look up the British Virgin Islands on a map. They lie in the Caribbean Sea, and include over 60 islands and keys, of which about 43 are uninhabited. Indian citizens are granted a 31-day visa-free stay in the British Virgin Islands for tourism purposes. One of the best ways to visit the islands is by cruise ship, as many cruises operate from the United States to the nearby US Virgin Islands. There are no direct flights between India and the British Virgin Islands. 

Approximate cost of round trip flight: INR 1,60,000 (via Paris and Saint Maarten)

Tourism information: http://www.bvitourism.com/

3. COOK ISLANDS

The Cook Islands lie in Polynesia, off the coast of New Zealand. They are named after Captain James Cook, who discovered them for the western world in 1770. Since 1965, the islands have been self-governed with free association to the government of New Zealand, which controls the islands' defence, foreign affairs (including passport control) and currency. Immigration is strictly controlled. Indian citizens are allowed to stay for up to 200 days without a visa, but must show proof of reserved accommodation and are not exempt from paying the departure tax of NZ$55 for adults and NZ$15 for children. Rarotonga International Airport, the main port of entry to the Cook Islands, is connected to Auckland via daily flights and weekly flights from Sydney, Fiji and Los Angeles. 

Approximate cost of round trip flight: INR 1,60,000 (via Singapore and Auckland)

Tourism information: http://www.cookislands.travel/

4. DOMINICA

Not to be confused with the Caribbean nation known as the Dominican Republic, the island of Dominica was the last of the Caribbean islands to be colonized by the British. It has beautiful hiking trails, rainforests and beaches with great opportunities for snorkelling. Indian citizens are allowed to stay for 22 months without a visa. 

Approximate cost of round trip flight: INR 2,00,000 (via Paris and Saint Maarten)

Tourism information: http://www.dominica.dm/

5. EL SALVADOR 

El Salvador, the most densely populated country in Central America, lies between Guatemala and the Honduras. Volcanoes, mountains and cloud forests offer plenty of nature discovery and hiking opportunities. Old colonial towns and UNESCO World Heritage Sites beckon heritage tourists. Indian nationals are permitted to stay for a maximum of three months without a visa. 

Approximate cost of round trip flight: INR 1,44,000 (via Paris and Miami)

Tourism information: http://www.elsalvador.travel/impresionante/

6. GRENADA

The beautiful Caribbean islands of Grenada offer much to tourists in the form of beaches, waterfalls, historic forts and spice gardens. Indian tourists can travel visa-free in Grenada for up to 90, but must show proof of sufficient funds to cover the cost of their travel.

Approximate cost of round trip flight: INR 1.60,000 (via London and Miami)

Tourism information: http://www.grenadagrenadines.com/

7. HAITI

Haiti is off the travel map for most tourists owing to the devastation left by the 2010 earthquake. One of the poorest countries in the Western hemisphere, its current political situation and concerns over the safety of tourists has prompted many countries to issue strict travel advisories. That said, Indian tourists are welcome without a visa for a maximum stay of three months.

Approximate cost of round trip flight: INR 1,52,000 (via Dubai and New York)

Tourism information: http://www.haititourisme.org/

8. JAMAICA

Jamaica is the most populous of the English-speaking Caribbean countries and its easygoing culture, cuisine and music, besides its many beaches, are attractive to tourists. Indian tourists can stay without a visa on producing a passport valid for six months and sufficient proof of funds and onward travel. 

Approximate cost of round trip flight: 1,53,000 (via Dubai and New York/ Toronto)

Tourism information: http://www.visitjamaica.com/

9. MONTSERRAT 

Not to be confused with the Spanish region of the same name, Montserrat is an island in the Caribbean southeast of Puerto Rico and once a popular resort. Since 1989, hurricanes and volcanic eruptions forced its closure but the island is slowly limping back. Indian citizens must show proof of citizenship but can travel visa-free on furnishing proof of onward travel and adequate funds. 

Approximate cost of round trip flight: 1,30,000 (to Antigua, via London) and a 15-minute air-hop from Antigua to Montserrat (about INR 5,000)

Tourism information: http://www.visitmontserrat.com/

10. MICRONESIA 

The far-flung Federated States of Micronesia are a group of 607 islands in the Western Pacific Ocean, comprising the states of Yap, Chuuk, Pohnpei and Kosrae. It is considered one of the most remote and beautiful places in the world, with pristine coral reefs, quaint cultures, exotic food and picturesque islands. Indian citizens can travel visa-free for 30 days upon producing proof of sufficient funds, onward travel and accommodation. 

Approximate cost of round trip flight: 2,04,000 (via Hong Kong, Guam and Truk) 

Tourism information: http://www.visit-micronesia.fm/