What is PAN and How to get a PAN card?

PAN is a short name of Permanent Account Number. PAN number is a ten digit alphanumeric number assigned by Income Tax Department. UTI Investor Services Ltd. (UTIISL) has been authorized as IT PAN service centres and National Securities Depositories Limited (NSDL) has been authorized to dispense PAN services through TIN Facilitation centres.

Income Tax authority has made it mandatory to quote PAN number on return on Income. PAN number is also used in correspondence with Income Tax Department. It is also mandatory to provide PAN number for certain financial transactions such as investment in Mutual Funds, Opening a D'Mat account, making term investment or depositing cash exceeding Rs. 50,000/-, sale and purchase of motor vehicles or immovable property etc.

To obtain a PAN card one has to fill up form 49 which can be taken from TIN facilitation centre or can be downloaded from Income Tax department website. One latest colour photograph, Address proof (Ration card, Voter id, Bank pass book, Employer's certificate, Electricity/ telephone bill etc) and Identity proof (bank pass book, Voter id, Ration card, etc.), fee of Rs. 67 is to be deposted at the time of submitting the form 49. Submit the form 49 with above documents and designated centre will issue an acknowledgment slip. PAN card is delivered by NSDL at the residence or office address as mentioned in the form.
Which state in India tops in individual PAN card allottment? read more>

Earn with Click Bank- One of the best paying marketplace

Affiliate Marketing is a way of online money earning by way of promoting other people's product. Affiliate marketing is truly one of the EASIEST ways that you can make serious cash on the Internet. And one of the easiest ways of promoting other people products is Click Bank. At Click Bank one can find hundreds of products in about every niche.

When you become affiliate at Click Bank an affiliate link of the product is created and you can earn commission which range between 20% to 75%.

One can Join Click bank as an Affiliate or if one wants to sell products he can join as publisher and start selling his products. Its great site and i have known people making thousands of dollars out of Click Bank.

CLICK HERE to Join Click Bank

Microwave Recipe: Corn Minestrone: A tasty Mexican tomato soup

Corn Minestrone: A tasty Mexican tomato soup with vegetables


½ cup corn kernels

2 mushrooms – finely sliced

¼ cup finely chopped carrots

1 tbsp finely chopped French beans

¼ cup finely chopped potatoes

2 large tomatoes

1 tbsp butter

2 tbsp chopped onions

5 cups water mixed with a seasoning cube

Salt and pepper to taste


For blenching tomatoes put a cross on the stem end of each tomato. Place it on a microwave proof plate. Microwave it for 2 minutes. Chop them finely after peeling the skin.

Take butter in a big deep microwave proof bowl and microwave it for 30 seconds.

Add onions and microwave for 2 minutes.

Add corn, mushrooms, carrots, French beans and potatoes. Mix well with a vegetarian seasoning cube. Microwave covered for 8 minutes. Stir once in between.

Remove from the microwave and mash lightly. Add salt as per taste.

Serve it hot in soup bowls, garnished with grated cheese.

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MTNL and Aksh bringing IPTV without broadband

Cable, FRP rods and Optical fibre maker Aksh Optifiber has announced to launch of India's first Internet Protocol Television (IPTV) without any broadband in association with MTNL. Aksh under the brand name 'icontrol' will start its service in Mumbai and Delhi i.e. where MTNL has strong presence. The ' i ' in company's brand name 'icontrol' is a symbol of interactivity which is a key feature of Internet Protocol Television. The viewers can view and manage their content according to their choice.

The company will provide its subscribers more than 100 channels including Star and Sony channels as well as sports channels of Neo and Ten Sports.

In 'Time Shift Feature' the viewers will also have the facility to view last 7 days programme telecast at their convenience.

The company has also put 200 movies for 'Movie on Demand' feature where viewers can fast forward or rewind and pause the movie also.

In Mumbai the service will be available at Rs. 100 per month via MTNL. The set top box will be provided free of cost but Rs. 999 will have to be deposited as refundable security deposit.

Aksh has recently signed a deal with BSNL to offer IPTV in 20 cities on the broadband network of BSNL. The company also has plans to invest around 148 crores in IPTV and VoIP service business.

Hindi Names of Various Herbs and spices:

Hindi Names of Various Herbs and spices:

English Name - Hindi Name

Sesame Seeds -Til

Mustard Seeds -Rai, Sarson,

Melon Seeds - Magaz

Coriander Seeds - Saboot Dhania

Mango Powder - Amchoor

Red Chilli Powder - Lal Mirch

Cumin Seeds White - Jeera

Carom Seeds - Ajwain

Fennel - Saunf

Cumin Seeds Black - Shah Jeera

Garam Masala (A spice blend)- Garam Masala

Asafoetida - Hing

Saffron - Kesar

Fenugreek Leaves - Kasoori Methi


Fenugreek Seeds - Methi Dana

Pomagranate Seeds - Anardana


Nigella Seeds - Kalaunji

Turmeric - Haldi

Cloves - Laung

Nutmeg - Jaiphal

Peppercorns - Saboot Kali Mirch

Cardamom - Elaichi

Mace - Javitri

Cinnamom - Dalchini

Fresh Green Chillies - Hari Mirch

Red Peppercorns - Sukhi Lal Mirch


Ginger - Adrak

Garlic - Lahsun

Coriander fresh - Hari Dhania

Bay leaves - Tej Patta

Curry Leaves - Kari Patta

Mint - Poodina

Father's Day- Celebration to honour fathers and forefathers

15th June was Father's Day! Father's Day is celebrated to honor our Father's and forefathers complimenting Mother's Day. It is celebrated by giving gifts, treat, special dinner etc throughout the world. Father's Day is celebrated on variety of dates worldwide. This year it was celebrated on 15th June in most countries of the world. In 2009 Father's Day will be celebrated on 21st June in most countries.

Here is the list of officially recognized dates of Father's Day in different countries:

March 14- Iran
March 19- Bolvia, Italt, Honduras, Portugal, Spain, Andorra, Liechtenstein
May 8- South Korea- (Parent's Day)
May 1 2008), May 21 2009- Ascension Day- Germany
June 1, 2008, June 7, 2009- (First Sunday of June) Lithuania
June 5 (Constitution Day) - Denmark
June 8, 2008, June 14, 2009- (Second Sunday of June)- Austria, Belgium
June 15, 2008, June 21, 2009- (Third Sunday of June) - Argentina, Antigua, Bahamas, Bangladesh, Bulgaria, Canada, Chile, People's Republic of China, Columbia, Costa Rica, Cuba, Cyprus, Czech Republic, Ecuador, Ghana, Greece, Guyana, Hong Kong, Hungary, India Ireland, Jamaica, Japan, Malaysia, Malta, Mauritius, Mexico, Netherlands, Panama, Pakistan, Paraguay, Peru, Philippines, Puerto Rico, Saint Vincent and the Grenadines, Singapore, South Africa, Slovakia, Sri Lanka, Switzerland, Trinidad and Tobago, Turkey, United Kingdom, Ukraine, United States of America, Venezuela, Zimbabwe.
June 17, El Salvador, Guatemala.
June 23, Nicaragua. Poland, Uganda
July 13 2008, July 12 2009 (Second Sunday of July) Uruguay
July 27, 2008, July 26, 2009 (last Sunday of July)- Dominican Republic
August 10, 2008, August 9, 2009 (Second Sunday of August)- Brazil
August 8- Taiwan
September 7, 2008, September 6, 2009 (First Sunday of September)- Australia, New Zealand
September 29, 2008, September 18, 2009 (New moon of September)- Nepal
October 5, 2008 October 4, 2009 (First Sunday of October)- Luxembourg
November 9, 2008, November 8, 2009 (Second Sunday of November)-Estonia, Finland, Norway, Sweden
December 5- Thailand

Tips to cope up with rising inflation

Inflation reduce your purchasing power and also your net worth. Most of the Indian's budget has been disturbed due to rising inflation. Many are facing problems due to steep rise in most of the essential items. Recent petrol price hike has made the condition worse. It seems that inflation is not going to come down in near future and as per experts it may go up to its 13 year high at 9%. So it is better to be prepared to cope up with it by using some simple methods. Either you increase your earning or reduce your expenses to cope up with inflation. Here are some tips bu which you can beat inflation and remain relaxed:

  • Reduce your household expenses to 70% of your total take home salary. You can cut down you expenses on unnecessary expenses like non seasonal fruits and vegetables. Saving electricity by using CFL than tube lights. Avoid buying expensive and unnecessary wardrobes. Avoid Partying outside as it is always costly.
  • Housewives can start doing some part time job if possible to help generating some income for the family. If already in job then try to get a higher paying job.
  • It is better to stay out of illiquid investments like bank fixed deposit and post office saving schemes, recurring deposits etc.
  • Invest regularly to fulfill your long term goals. This could be your daughter's marriage, buying a house, Children's higher education etc. Your investment should be as such which gives good inflation adjusted returns. If you want 10 lacs after 12 years for your goal, assuming the inflation rate of 6% p.a you need to save 20 lacs till that time after adjusting inflation.
  • The best way to fulfill your future financial liabilities is to have a proper investment plan.
  • Equity related Mutual Funds are best for long term investment, because they give good inflation adjusted returns in long term as compared to other form of investments.
  • Investment in Gold, gold jwellery, gold funds, gold coins are also good form of investments and are treated as hedge against inflation. There are also Gold ETF (Exchange traded funds) and gold funds which invest in gold index or gold mines companies respectively.
  • Keep checking your portfolio of investments for returns. If you are not getting satisfactory returns then switch your investment to other options.
  • One should not invest in equities or gold only but should have diversified portfolio. It should be in Gold, Equities, Mutual Funds, Debt Funds and Debentures etc.. At least your three months of your salary should be in liquid form.
  • If you have invested in Equities and have long term financial goal then you should stay with your equity investment. Short term volatility in market is a natural phenomenon so you should not worry about short term bearish market. In long run equities are bound to give good returns.
  • Keeping above points and tips in mind I hope you will be able to cope up with rising inflation and keep yourself relaxed.

Hypnosis- A therapy benefiting people from all walks of life

Hypnosis is defined differently by different people. Hypnosis is derived from a Greek word "Hypnos" means "sleep". Hypnosis is a trance like state that resembles sleep which is induced by self or by other person whose suggestions are accepted by the subject. The American Society of Clinical Hypnosis's web site says "Hypnosis is a state of inner absorption, concentration and focused attention. The Scottish physician James Braid is said to be the inventor of term "Hypnosis" in 1842.

You must have heard or seen stage hypnotists doing goofy things. Several hypnotist claim to cure disease and take you into the past life which is called past life therapy. Many are using hypnosis as a therapy in medical field to cure mental disease and also using it to relieve physical pain, etc. It is being used today for several treatments.

People who use or practice Hypnosis as a therapy are known as hypnotherapist. There are majority of certified hypnotherapists in U.S. and U.K. who are earning large portion of income through cessation of smoking (in a single session) and aid of weight loss programme. Psychiatrists and phsycologists are using hypnosis predominantly for the treatment of dissociative disorders, depression, habit change, phobias, and post traumatic syndromes.

Other variation of hypnosis is called "mass-hypnosis" where crowds are simultaneously influenced, and auto suggestion in which subjects persuade themselves.

Dr. Robert W. Habbick in a lecture to American Society of Clinical Hypnosis at New York spoke of his research on the use hypnosis in enhancing learning and reducing anxiety. He explained the use of a traid of suggestions enhancing confidence, strengthening focused interest in the work, improving energy to do the studying necessary.

Here are the benefits one can have from hypnosis: Weight Loss, Sleep Therapy, Meditation, Astral Travel, Depression, Fears and phobias, Success/Self Confidence, Past life regression, Pain Management, Memory enhancement, Inner child therapy, Public speaking, Performance in sports/ studies, Learning abilities, Creative Imagination for healing, Dreams, Stage performance, balancing Chakras, Motivation, Addictions, Relaxation, Pain management etc.. etc..

One can buy Hypnosis products from Steve G. Jones, Clinical Hypnotist website Click Here!

If you want to learn Hypnosis you can also buy from conversational-hypnosis website Click Here!

Credit Cards For Small Businesses May Be Beneficial in the Long Term

In today's business world, small businesses are being started everyday. No matter what the business is, it is important for many different reasons, that the business owner has a business credit card.

It is important that the small business owner separate the finances of the business from personal finances. When you have a business credit card, it can be used just as a personal card.

This can come in handy when you need to make an important purchase for your business. Whether the purchase is made online or in an office supply store, having a business credit card is fast becoming a necessity to all small businesses.

Many small business owners have used their personal funds to make purchases for their businesses. Experts warn that this can lead to disaster. It is difficult enough to run a small business without the added stress of keeping track where the funds came from for purchases that were made.

A business credit card will act as the receipt for every purchase that you make for your business and it is all on one or two pages.

Another reason for using a small business credit card is that it establishes credibility. Using a business credit card just appears more professional.

When you use your business credit card continuously, and pay the bills on time, you are not only building your credit rating, you are also gaining credibility with lending institutions.

This may be beneficial in the long term. You will receive better interest rates, your spending limit will increase, and you are more likely to be approved for a loan should you choose to apply for one.

Your business does not have to be a fortune five hundred company to have a business credit card. These cards were designed to assist your business in growing to its full potential and beyond.

You never know when you are going to have an emergency. Equipment may fail or you may need to upgrade. This is where a business credit card can assist you in overcoming these obstacles.

If you do not have a business credit card, it may be difficult to keep running efficiently or at all. It makes good business sense to obtain a business credit card.

Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards. A Free consumer credit card comparison site helps consumers find the Best Credit Card while avoiding high interest rates, charges, and fees.

Vaastu- Vedic science for success, wealth and prosperity

Vaastu is an ancient science which deals in layout planning of buildings influencing prosperity and success of the inhabitants. Vaastu deals in management of cosmic energy and its flow in buildings and structures. The science of vaastu helps to balance the flow of cosmic energy.

The world comprise of five basic elements Earth, Water, Air, Fire and Space. Earth has life because of these five elements present only on earth and not on other nine planets. Vaastu balances these five elements of nature with the man and the material. Vaastu helps placements in a building according to directions and elements in a scientific way to take advantage and benefits bestowed by these elements and making life more peaceful, happier and healthier.

These are the following directions and presiding gods/deities:-

Northeast- Eeshanya- Ruled by lord of all quarters or Eeshwara siva (Luck, faith and religion)
East- Aditya- Ruled by sun god- Aditya (seeing the world)
Southeast- Agni- Ruled by lord of fire- Agni (Energy generating)
South- Yama- Ruled by lord of death- Yama (Damaging)
Southwest- Pitru/Nairutya- Ruled by encestors (History)
West- Varuna- Ruled by lord of water (Physical)
Northwest- Vayu- Ruled by lord of Winds (Advertisement)
North- Kubera- Ruled by lord of wealth (Finance)
Centre- Brahma- Ruled by lord/Creator of universe (Desire)

The Vaastu Purusha is the presiding deity of any site. Usually he is depicted as lying on it with the head in the Northeast and the legs in the Southwest but he keeps changing his position throughout the year.
source- Wikipedia

Water wastage through RO Water purifier

Big cities in India are having acute shortage of drinking water, and people in big cities are using equipments which waste water. Yes the Reverse Osmosis water purifier which is used at homes are wasting two third of water it purifies. Reverse Osmosis is a water purifying system which purifies approximately three litre out of ten litre of water. So it waste 7 litrs out of ten litres.

If you don't believe this then just check your RO purifier, there are two tubes, one for clean water which flows slowly and second which flows fast and drain water.

The water manufacturers should try to think about this as water is a necessary for life and drinking water is very precious. Manufacturers should try to develop a technology which can re-cycle the dirty water which is drained away by RO water purifiers.

What is D'mat account?

Dmat account is a short name of dematerialized account in which all shares which were earlier in paper or physical form are now electronically converted and kept in this account. Today all the stocks are bought and sold in electronic format and is transfered to new buyer dmat account within the system. When a buyer buy any stock then the seller transfer the stock electronically in buyer's account. This dmat system makes the transfer much easier and faster then physical transfer. It also reduces the risk of damage and theft which was more in physical format system. It is mandatory to provide PAN number and bank account number for opening a Dmat account. It simply works as a Bank account where for payment you issue cheque, here also when you have to give shares, stocks etc you give a transaction slip and the stocks are transfered to beneficiary account.