Happy Independence Day 2018 Wishes Images, Quotes, SMS, Photos, Messages, Status: On August 15, 1947, after a long drawn struggle, India finally managed to free itself from the British rule. The day serves as a timely reminder of the struggle for independence and the many lives that were sacrificed in pursuit of it. The words of Pt Jawaharlal Nehru when he said, “At the stroke of the midnight hour, when the world sleeps, India will awake to life and freedom,” perfectly capture the struggle and the consequent joy one felt on Independence Day.
On the occasion of 72nd Independence Day, we bring to you a collection of SMSes, WhatsApp and Facebook messages that you can share with your near and dear ones to mark this day.
*On this Independence Day, take a minute or two to thank God for such a precious gift. Happy Independence Day.
* Do not take your independence and freedom for granted. Happy Independence Day.
Happy Independence Day 2018 Wishes Images, Quotes: Every year, on Independence day, people from different walks of life come together and celebrate freedom. (Designed by Nidhi Mishra/The Indian Express)
* Independence is among the most valuable gifts one can benefit from. This day God granted this gift to our freedom fighters.
* This country will remain the home of the liberated only, as long as we make it the land of the brave. Happy Independence Day.
Happy Independence Day 2018 Wishes Images, Quotes: Independence is one of the most valuable gifts we have. (Designed by Nidhi Mishra/The Indian Express)
* Freedom is one of the most expensive commodities. No amount of money will be enough to buy freedom.
* May you be blessed with the freedom of mind, thought and spirit! Happy Independence Day!
Happy Independence Day 2018 Wishes Images, Quotes: On this day, it is imperative to remember those who made this Independence a reality. (Designed by Nidhi Mishra/The Indian Express)
* Let your heart bask in free spirit! Happy Independence Day!
* Let us take the decision to value our nation and let’s not forget the sacrifices of those who helped us in achieving freedom. Happy Independence Day.
Happy Independence Day 2018 Wishes Images, Quotes: Happy Independence Day! (Designed by Nidhi Mishra/The Indian Express)
* This Independence Day, take the future of this country in your hands.
* The best way of showing love to our country is by respecting the sacrifices made by our freedom fighters.
SBI ATM Charges Explained: ATM Transaction Limit, Free Transactions And Other Details
SBI ATM Charges Explained: ATM Transaction Limit, Free Transactions And Other Details
SBI or State Bank of India, the country’s largest bank, currently allows unlimited transactions free of cost at its group ATMs for customers maintaining a monthly average balance above Rs. 25,000 in the previous month. For accounts with lesser monthly average balance, SBI has set certain limits on the number of ATM transactions – of financial or non-financial nature – at its group ATMs. For example, State Bank of India customers having maintained a monthly average balance of up to Rs. 25,000 are allowed up to 10 transactions per month free of cost in SBG or State Bank Group ATMs subject to certain conditions, according to the bank’s corporate website – sbi.co.in.
SBI ATM withdrawal charges
SBI charges a fee ranging from Rs. 5 plus GST to Rs. 20 plus GST for any additional transactions beyond these limits, depending on factors such as the nature of transaction and type of ATM.
ATM financial transactions beyond monthly limit
For any financial transactions beyond the monthly limit at SBG or State Bank Group ATMs, the bank charges Rs. 10 plus GST, according to the website. This includes SBI group ATMs in six metros – Delhi, Kolkata, Mumbai, Chennai, Bengaluru and Hyderabad – and other locations.
For every such transaction at an ATM of another bank, SBI charges Rs. 20 plus GST.
SBI charges Rs. 5 plus GST for every transaction made at its group ATMs. That is applicable to non-financial transactions over and above the allowed number of free transactions.
Any transaction at an ATM of another bank is charged at Rs. 8 plus GST, according to SBI’s website. “This charge will not be applicable to Small/No Fril Deposit Account holders. These customers will continue to get five free transactions, irrespective of the centre, as hitherto,” SBI adds.
Unlimited free transactions at State Bank of India Group ATMs
For customers maintaining a monthly average balance above Rs. 25,000 in the month gone by, SBI allows unlimited free transactions at its group ATMs, according to the bank’s website. For example, a customer having maintained a monthly average balance of, let’s say, Rs. 27,000 in May 2018 will be allowed unlimited ATM transactions at SBG ATMs in the following month.
However, SBI has set a different requirement for its customers to avail the same benefit at ATMs of other banks.
Unlimited free transactions at ATMs of other banks
SBI customers maintaining a monthly average balance above Rs. 1 lakh in the month gone by are allowed unlimited free transactions at ATMs of other banks for the month, according to the SBI website.
Meanwhile, SBI also charges different fees for certain facilities at its ATMs.
For a declined transaction due to insufficient balance in the bank account, SBI currently charges Rs. 20 plus GST, according to its website.
SBI also offers a card-less withdrawal facility at some of its group ATMs. For each card-less withdrawal, SBI charges Rs. 22 plus GST, according to the bank’s website.
Not Claiming Reimbursement Benefits From Your Employer? Read This
Not Claiming Reimbursement Benefits From Your Employer? Read This
Companies often offer the option of filing medical, conveyance and telephone bills to their employees, to claim income tax deduction. However, a significant majority of employees opt out of it thinking that this will increase their-in-hand salary, a survey found. The survey by data measurement company Nielsen and fintech startup Zeta stressed on the need to make employees aware of the income tax benefits that these reimbursement claims offer. A total of 56 six per cent of employees who opt out of reimbursements do so for a higher in-hand salary, according to the findings of the survey.
“Because reimbursements are first deducted from salary (before being credited upon bill-verification) there’s a sense of loss employees perceive. Those who have opted out of employee benefits thinking they’ll get a higher in-hand salary are therefore foregoing an actual profit in the future for a notional benefit in the present,” the Zeta-Nileson report stated.
Offerings under tax-saving benefits
Most popularly, medical reimbursements, telephone/internet and fuel reimbursements have been offered in companies as tax-saving benefits to employees. Leave travel allowance (LTA) and a gadget or asset allowance are also offered frequently in many companies, although these are sometimes reserved for higher-salaried or senior employees. Medical reimbursements has traditionally been the most sought-after benefit, but that will now undergo a big change, as standard deduction of Rs. 40,000 will be introduced with effect from financial year 2018-19.
Contrary to belief, not many companies prefer to provide meal vouchers, according to the report. Gift vouchers are the least popular employee tax benefit of all, it noted.
Digital filings for reimbursements
The research insisted that the process for filing reimbursement claims needs to be simplified. The survey found that 62 per cent of employees claim that the reimbursement process is time-consuming and 23 minutes is the average time taken by an employee to submit a single claim.
Employees lose productive time in submitting these reimbursements claims. According to the survey, 90 per cent of them prefer digital reimbursements. This is in stark contrast to the fact that only 6 per cent of all companies surveyed provide it. Managing physical/paper bills, especially illegible and invalid ones, can cause major delays in the process. Stalled verification can cause undue anxiety to employees, who have no efficient way of tracking their claims. Many companies take more than eight days to process each claim, with some taking upwards of two weeks.
“Make the process transparent, make it easy, and make it relevant. That’s when employees are encouraged to opt in for something, and value it,” stated the report.
A total of 1,233 employees were interviewed in the Nielson-Zeta survey. About 568 of them were from the manufacturing sector and 665 from the services sector. Full-time employees of companies, who have worked in the company for at least two years and are eligible to receive tax-saving reimbursements, were interviewed. A total of 194 companies were covered in the survey. Out of this, 92 companies were from the manufacturing sector and 102 are from the service sector. The research was conducted by Nielsen during August 2017 – February 2018. HR/finance/admin personnel who are key decision-makers in deciding reimbursement policies or are responsible for processing employee reimbursements, were also a part of the survey.
It’s a common complaint among people who are learning English that the language lacks consistency. English was spoken in both the Old and New Worlds at a time when rapid communication across long distances was impossible, which has led to a differing and sometimes contradictory set of conventions.
The same word can be spelled differently in American and British English, for instance. This duality can be confusing, but not every word has multiple spellings.
Many people aren’t sure whether to write the number 40 as forty or fourty. It’s a common misconception that fourty is conventional in British English, while forty is the Americanized version.
However, only one of these spellings is correct, regardless of region.
What is the Difference Between Forty and Fourty?
How do you spell 40? In this article, I’ll explain the difference between these two words, and reveal whether forty or fourty is the correct spelling. I’ll use the correct term in a sentence and tell you an easy trick to remember the difference.
When to Use Forty
Contrary to popular belief, there is only one correct spelling of the number 40.
Forty is the proper way to spell the number, and fourty is always incorrect. It’s easy to see why this would be confusing, since the base number is four, and the U isn’t dropped from other numbers like fourteen or even forty-four. While there are British and American spellings of some words, forty is not one of them.
The following sentences are correct:
Jon drove forty miles per hour in a thirty-five mile per hour zone.
Amanda ate forty hot dogs.
Melinda is forty-six years old.
The site has about forty full-time employees, mostly in New York, where the publication is based, and so far they have worked with more than nine hundred athletes, Robertson told me. –The New Yorker
When to Use Fourty
You should never use fourty. It is an incorrect spelling of forty. Fourty is not correct in British or American English, and it appears to have never been the correct spelling.
When writing out the number 40, forty is the only correct option. As you can see from the following chart, if fourty was ever used in proper English, it must have been well before 1800:
This chart is not exhaustive of all written texts, as it only reflects data from books written in English since 1800, and no other print sources. However, it is certainly thorough enough to see that the use of fourty to signify the number 40 has not been nonexistent since at least the beginning of the 19th century.
Although fourty is universally rejected, it still finds its way into the writing of those who should know better.
Fourty-four states, plus the District of Columbia and the U.S. Virgin Islands, can participate in Mega Millions. –Staten Island Advance
Fourty vs. Forty – Trick to Remember the Difference
Forty dollars or fourty dollars? Forty is the written form of the number 40. Fourty is a spelling error for Americans and Britons alike.
You can remember to always use forty by noticing that forty contains the word for, and forty is correct for everyone. Fourty is never a correct spelling.
Summary: Forty vs. Fourty
Is it forty or fourty? While there are some words in English that have multiple spellings, forty isn’t one of them.
Fourty is not a word, and forty is the only way to spell the written form of the number 40.
The decision to use fourty or forty is therefore an easy one. Use the memory trick “forty is for everyone” to remember the proper spelling, or you can always refer back to this article.
What is the process for a Police Clearance Certificate in India?
Take an appointment online
Login/Register in this website
There will be a link in the home page itself to apply for PCC.
Select the country for which you need PCC. (One country per application)
Fill in the details exactly as per passport.
You can also opt for SMS service for additional Rs. 40. I would suggest you to choose it.
Make payment. As on today, it is Rs. 500 for PCC application.
Select the date and venue of appointment. Usually you get an appointment within 3 days in non-metros. In metros, it might be a week later.
Take a print of the appointment confirmation and be ready.
Documents to be taken on the appointment day
Original passport (must)
Appointment receipt obtained in the previous step.
Copy of first, last and the signature page (of RPO) of passport.
Usually they don’t ask, but take a copy of invitation letter or job offer letter or university admission letter from your destination country.
If your present address is different from that in passport, you need to take as many documents (original and copy) as possible from this list. Usually 1 or 2 documents would suffice but no harm in carrying more than 2.
However if your present address is same as that in passport, ideally no document is required. But to be on safe side, carry 1 or 2 documents (like aadhar or voter ID) from the above list.
PS: No need to carry photograph as it will be taken by the PSK officers on your appointment day.
Will there be police verification (PV)?
I do not guarantee anything in this part since it’s solely up to the officers’ discretion. What I am saying is based on the information I got from the officer who issued my PCC.
If your first passport was issued in 2000 after proper PV and you apply PCC in 2006 from the same address as in passport, then you get the PCC on the same day of appointment without any PV.
If your first passport was issued in 2000 and you renewed it in 2010 with the same address, then applying PCC any time until 2013 will not have PV and you get the PCC on same day. However, if you apply for PCC after 2013, there will be a PV even if you have been staying in the same address since 2000. Basically, your first PV was done in 2000 and for 13 years there wont be any PV for taking PCC. But to get a PCC after 13 years, there needs to be a fresh police verification in your address.
If the address in your passport is different from your current address, police verification will be done.
In any case if there is a PV, it depends whether you have to wait for the police to come to your address or the PSK verifies your criminal records in your police station online. In the latter case, you get the PCC on the same day. Otherwise you have to wait a few days.
How can I check the status of the application?
Remember in the first step, I suggested to opt for SMS service to get updates. That is more than enough. In cases where the applicant has to wait for police to come down to the address for verification, I am not sure if SMS will send updates as I don’t have experience. In my case I got the PCC on same day. Nevertheless, SMS is one option. You can also login to your account and check the status.
Is there a way to expedite the process?
No. In case of passports, there is a tatkal scheme. But unfortunately it’s not there for PCC. However, nowadays in many cases, you get the PCC on same day. Hope for the best.
How to apply for Marriage Certificate in India – Details here
A marriage certificate is an official statement that two people are married. [Linking Aadhaar with marriage certificate may be mandatory soon] In India, Marriages can be registered either under the Hindu Marriage Act, 1955 or under the Special Marriage Act, 1954.
It is a legal proof you are married
and the most vital document of a marriage. In 2006, the Supreme Court made it compulsory to register the marriage for the women protection.
For Marriage Registration under Hindu Act: You can apply at office of the Sub-Divisional Magistrate in whose jurisdiction the husband or wife resides on any working day.
Fill the Application form duly signed by both husband and wife.
Verification of all the documents is carried out on the date of application and a day is fixed for the appointment and communicated to the parties for registration.
On the said day, both parties, alongwith a Gazetted Officer who attended their marriage, need to be present before the ADM. The Certificate is issued on the same day.
Documents Required :-
Completely filled application form signed by both husband and wife
Proof of Address- Voter ID/ Ration Card/ Passport, Driving License
Proof of Date of Birth of both husband and wife
2 passport sized photographs, 1 marriage photograph
Separate Marriage Affidavits in prescribed format from Husband & Wife Aadhaar Card All documents must be self attested. Marriage Invitation Card
All documents must be self attested.
Marriage Invitation Card
For Online Registration:
Select your district and continue.
Fill in husband’s details and choose “Registration of Marriage Certificate”. Fill in Marriage Certificate form and choose date of appointment.
Click “Submit Application” You will be allotted a temporary number that will be found printed on the acknowledgement slip and application form is done.
Take a printout of acknowledgement slip as well.
In case of Hindu Marriage Act, you will get an appointment within 15 days of the online registration, but in case of Special Marriage Act, it may take upto 60 days.
Any person who has attended the wedding of the couple can be a witness and must have a PAN Card and a Proof of Residence.
‘Tatkal’ Marriage Certificate
In April 2014, the Revenue Department of Delhi government introduced a ‘tatkal’ service ensuring a single-day authorization of the marriage under which the registration process will be undertaken on priority. The service, which became operational on April 22, 2014 enables citizens to register their nuptials and get a certificate issued within 24 hours on payment of Rs. 10,000 as a fee.
Benefits of Marriage Certificate
If you are applying for a passport or opening a bank account after the wedding, then Marriage Certificate is required.
Extremely helpful in obtaining visas for both husband and wife.
As the foreign embassies in India as well as in countries outside India, do not recognize traditional marriages, the Marriage Certificate is mandatory for the couple to travel abroad using a spouse visa.
Enables a spouse in claiming life insurance return or bank deposits in case of demise of the Insurer or depositor without any nominee.
Rs 100/- in case of Hindu Marriage Act
Rs 150/- in case of Special Marriage Act
Deposit the fees with the cashier of the District and attach the receipt with the application form.
We often see people cribbing about the amount of things they can do abroad and why they love heading overseas. By abroad, we mean the Indian obsession with the US and the UK.
But hey, there are tons of things we Indians can do in India without batting an eyelid! And while some of them are pure cheeky, some are really surprising and interesting!
1. Cross a busy road.
In India, there’s hardly any concept of a zebra crossing and people might stare at you like you’re out of your mind if you wait for the pedestrian signal to turn green. While not the safest way to cross, an Indian can dash across a busy street any time of the day!
2. Play gully cricket.
Although cricket is not the national game of the country, nowhere in England will you find lads playing cricket with plastic balls, using bricks as stumps! You can find the fun ‘gully cricket’ on every road of India, whether it’s an urban city or in the poorest of villages.
3. Head wobble.
The rest of the world shake their head up and down to signify a ‘yes’, and sideways to signify a ‘no’. Indians however, wobble their heads in the strangest of ways while the other person is left wondering whether the response was a yes or no, or simply nothing!
Youtube Title : Indian Headshakes | What do they mean?
4. Live with parents.
People in most other countries move out of their homes the minute they are old enough. In fact, living with parents is generally looked down upon. However, in India, it is generally the other way around. The longer you live with your parents, the more ‘sanskaari‘ you are.
5. Know multiple languages.
Most Indians know multiple languages right from their childhood. While it is generally the mother tongue that is spoken at home, outside in society, it is the language of the state/region they are in. And in schools they learn English. Plus most kids have friends who speak a different language and they pick up languages very easily.
6. Have a distinct term for all relatives.
Indians have a distinct term for all relatives and they are not all ‘maternal/paternal aunts/uncles’ or cousins.
7. Bargain shamelessly and with ease.
Indians are pros at bargaining. They can bargain for anything, anywhere, anytime!
8. Eat spicy food.
Indians are used to spicy food, and mostly find food of other countries too bland for their taste. Indeed, most international foodchains have had to Indianize their menu to suit the Indian palate!
9. Be versatile with cooking.
Thanks to all their spice love and knowledge of traditional recipes, Indians can whip up the most versatile recipes and experiment with any number of ingredients with absolute ease.
10. Know the joy of eating with hands.
Indians, except the “modern Indians” in urban India, generally relish all dishes with their hands. They also know the joys of eating sitting down, on the floor and in metal dishes/banana leaves instead of porcelain.
11. Poop in the correct way.
This might come as a surprise to you but the Indian style of pooping, squatting on the floor, is actually the correct way of doing it. By sitting on the commode, you are only blocking your colon and setting yourself up for a world of poop-related pain. Don’t believe us? Check this.
12. Deal with traffic and large crowds easily.
You’re a born traffic/crowd navigator. You’ve done it everyday for so long that even the worst of crowds will not faze you.
13. Have the maximum number of festivals and public holidays.
Only Indians know the pain of having a holiday fall on the weekend. And thanks to the huge number of holidays, Indians know about the most random festivals throughout the country, whether they like it or not.
14. Marry the person your parents have picked out for you.
Arranged marriages are the most popular in India, and Indians still trust their parents to pick out the perfect match for them. They not only get married, but even make these relationships work, not forcibly but genuinely enjoying the company of the person they are married to.
15. Keeping clothes for centuries!
Even before all those Surf Excels, Ariels, and Tides came into the picture, Indian mothers kept clothes for their children’s children. We bet your mom has still kept a couple of your childhood clothes for your kids. Hand-me-downs take on an emotional aspect in India.
16. Have the best interest rates in banks.
Indians have amazing savings in terms of bank accounts, property, gold, etc. Also, very few other countries in the world offer high rates on bank savings and term deposit accounts. There are multiple saving options and the stock market is not the only way out. Also, many Indians do not rely on plastic cash and use cash as far as possible.
17. Balance shopping between malls and roadside/small retail shops.
For many Indians, malls are still a place for window-shopping and they prefer to shop from the small roadside retail stores. There are thousands of advantages like unique designs, knowing the vendor personally, making friendships, etc.
18. Ask the neighbour for everything from ‘doodh‘ to their son’s homework.
Indians are extremely social and share a great rapport with their neighbours and friends. They work together perfectly and the neighbour is generally the go-to person for every need, whether it’s a little sugar they are falling short of, or tips on dinner, or sometimes even cutlery if guests are coming over!
19. Land up at each others houses without any appointment.
This can be a boon or a bane, but Indians hardly ever set up appointments before visiting their relatives or friends’ homes. They just pay a visit as and when they want to.
20. Measure distance in time.
Ask any Indian about a particular place and how far it is and the response is generally “5 minutes” or “10 minutes” and so on, and hardly ever the actual distance. Even for longer distances, the response is “2 days by train” or “2 hours by flight”.
21. Have a mental navigator built in.
India is a maze of roads and streets and more often than not, it is crazy to navigate them. While there are navigational devices these days that work well, Indians still use the nukkad ka paan wala or the paper-wala as their personal navigational devices. Also, they generally have a mental navigator built in.
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22. Have names with deep meanings.
Every Indian name has a beautiful meaning to it. There are many rare and different Indian names and the first time you hear a new Indian name, the automatic response is, “What does it mean?”. It’s really a beautiful feeling to have a unique name.
23. Learn things by rote.
That is how you got through school and probably even college. Admit it! Indians are perhaps the masters of rote and can learn anything “by heart”.
24. Just go for walks on the streets.
At any point in time, you will find people in India just walking aimlessly down the street or perched on a street corner and languishing. They are not beggars or the homeless. They are just out because they are bored.
25. Know that there is always space for one more.
In an auto or a train or a bus, Indians know that there is never a space constraint. We can fit 250 people in a bus that barely fits 50 in other places.
26. The concept of ‘missed call’.
Indians use ‘missed call’ as everything from a message to informing our parents that we reached safely. Missed calls at night from friends or lovers are the highlight in the lives of college students!
27. Love sex but are scandalised by even hand-holding in public.
The monument walls stand witness to how deeply Indians love. Clearly, a country with a population in billions loves sex. But just mention the word in public and people will stare at you as if you’re an alien!
28. Visit every possible scenery and monument in one country.
You can visit everything from beaches to mountains, deserts to orchards, Hindu temples to mosques, in India. Truly a country of diversity!
WINDOWS 7 THEMES
Only an Indian can apply jugaad in his daily life for everything!