I found new android app on Google Play from Google i.e. Google Play Books.
Day before yesterday I downloaded "Play Books" application by Google on my mobile. I love to read books so this was very good app to use. You can just tap the book and start reading.
I searched for free books on google play and found "Adventure of Sherlock Holmes". I downloaded it and started reading in free time. It is very nice book and must read if you like detective stories.
Link to the book is: "Adventures of Sherlock Holmes"
Friday, March 29, 2013
Friday, March 22, 2013
Hotel sawantwadi at dadar
I was working in mumbai five years back. I used to catch indrayani express on sunday evening after spending weekend at home in Pune. One of my college friend used to come with me sometimes as he was also in Mumbai. After reaching dadar at aound 10pm, our favorite place for dinner was hotel sawanwadi near kaburarkhana in dadar.
Reason: affordable and non-veg.
It is good option if you like non-veg and also an affordable option. It is small hotel and not comfortable for family.
You can get many options if you like fish. My preferance was fish most of the time while my friend like mutton plate.
We also tried chicken and it was also good.
And finally "Solkadhi". Complete non-veg treat.
I never got chance to go to mumbai for last 4 years after i joined in pune so don't have any idea about the latest.
I am planning to go to mumbai and have food again there. Lets see when i go there again.
Will update when i go but i will suggest to definately try there once. And i am sure you will like the food.
Friday, March 15, 2013
Income Tax return - Different Experience
I changed job in December 2008 and moved to Pune. I joined small company called Maniks Systems.
Till December 2008, Total Rs. 826 was deducted in Avenues as Tax at source. At Maniks, there was no deduction of Income tax as per Salary from Mid December to March 2009. But if total salary income at Avenues is also considered then i was eligible to pay more tax. I was not aware of all these income tax stuff that time.
Next year, I joined Tieto and submitted Form 16 by Maniks as per request by Tieto. My tax deduction was done properly by Tieto considering Salary of Maniks as well during Financial year 2009-10.
Now I realized that during last year(2008-09), Tax deduction was not correct and i should pay some tax. I searched on net regarding the same and came to know that I can pay self assessment tax.
I didn't have salary slips of Maniks (for month of December2008-March 2009) as I got last 3 months Salary slip at the time of relieving in January 2010.
I decided to do simple calculation (even though i was going to pay more tax). My salary at Maniks was 30000 per month. I joined in mid December.
Details of Salary received (Only deduction was professional tax)
Dec 08 : 13800/-
Jan 09 : 29800/-
Feb 09 : 29800/-
Mar 09 : 29800/-
Total Income = Rs. 103200/-
I was having Form 16 from Avenues for year 08-09 and Income chargable under head Salaries was Rs. 176081/-
Deduction done at Avenues: 34191/- (LIC premiums till December)
I calculated Total Income as Income in Maniks + Income as head salaries in Avenues
103200+176081 = 279281/-
Here I was at loss as I have not considered any deductions for salary at Maniks (like Travel allowance, medical, HRA).
My total LIC premium for year was 37014/-
I was also paying for my education loan and got interest details from bank which was = 2034/-
So I filled ITR as
I paid Rs. 11133/- as self assessment tax using Axis bank online tax payment faciltiy and Filed Income tax return and posted to Bangalore office.
I received Income tax intimation notice by post under section U/S 143(1) In September 2010 for the same.
By Mistake, Income tax office did not considered Self assessment tax paid by me and asked me to pay Rs. 11301/- (with interest).
I paid my tax properly still i received tax intimation so i was very confused. I mailed them details of my tax payment but did not got any reply. I contacted Bangalore office and they told me to send my reply by post if i have already paid the amount with necessary documents as proof.
I searched on net for details how to reply to tax intimation letter. I sent them my reply with Subject as "Rectification as per section 154" by post with necessary documents. (self assessment tax paid receipt, form16 of Avenues, Tax intimation letter, ITR details).
After few months, my ITR status was updated as No demand/No Refund on income tax website.
Till December 2008, Total Rs. 826 was deducted in Avenues as Tax at source. At Maniks, there was no deduction of Income tax as per Salary from Mid December to March 2009. But if total salary income at Avenues is also considered then i was eligible to pay more tax. I was not aware of all these income tax stuff that time.
Next year, I joined Tieto and submitted Form 16 by Maniks as per request by Tieto. My tax deduction was done properly by Tieto considering Salary of Maniks as well during Financial year 2009-10.
Now I realized that during last year(2008-09), Tax deduction was not correct and i should pay some tax. I searched on net regarding the same and came to know that I can pay self assessment tax.
I didn't have salary slips of Maniks (for month of December2008-March 2009) as I got last 3 months Salary slip at the time of relieving in January 2010.
I decided to do simple calculation (even though i was going to pay more tax). My salary at Maniks was 30000 per month. I joined in mid December.
Details of Salary received (Only deduction was professional tax)
Dec 08 : 13800/-
Jan 09 : 29800/-
Feb 09 : 29800/-
Mar 09 : 29800/-
Total Income = Rs. 103200/-
I was having Form 16 from Avenues for year 08-09 and Income chargable under head Salaries was Rs. 176081/-
Deduction done at Avenues: 34191/- (LIC premiums till December)
I calculated Total Income as Income in Maniks + Income as head salaries in Avenues
103200+176081 = 279281/-
Here I was at loss as I have not considered any deductions for salary at Maniks (like Travel allowance, medical, HRA).
My total LIC premium for year was 37014/-
I was also paying for my education loan and got interest details from bank which was = 2034/-
So I filled ITR as
I paid Rs. 11133/- as self assessment tax using Axis bank online tax payment faciltiy and Filed Income tax return and posted to Bangalore office.
I received Income tax intimation notice by post under section U/S 143(1) In September 2010 for the same.
By Mistake, Income tax office did not considered Self assessment tax paid by me and asked me to pay Rs. 11301/- (with interest).
I paid my tax properly still i received tax intimation so i was very confused. I mailed them details of my tax payment but did not got any reply. I contacted Bangalore office and they told me to send my reply by post if i have already paid the amount with necessary documents as proof.
I searched on net for details how to reply to tax intimation letter. I sent them my reply with Subject as "Rectification as per section 154" by post with necessary documents. (self assessment tax paid receipt, form16 of Avenues, Tax intimation letter, ITR details).
After few months, my ITR status was updated as No demand/No Refund on income tax website.
Wednesday, March 13, 2013
New trend - Online shopping
Online shopping is growing here in India and is starting to become a new trend especially in younger generation. There are many websites like flipkart, ebay, olx, yebhi.
Many of my friends and colleague are using online shopping regularly in last one year. Mostly they buy books, cloths or shoes. One of my friend even bought Samsung mobile online.
These shopping websites carry out regular offers and deals to increase sale. They send you regular email updates of new offers. These offers are the main source of purchase among my friends. There is cash on delivery option available.
I have also used online shopping few months back (on 19th Aug 2012) to buy thermometer on ebay. The seller was techguru india. I got order confirmation mail immediately with seller details from ebay (PaisaPay which is ebay's payment service). 2 days later (21 Aug 2012), I got email that Seller has shipped my order and next day (22 Aug 2012) i received my order by Courier. Everything was smooth and i like this online shopping process.
Flipkart is most popular shopping site among the people i know and most of them shop on flipkart.
I have also used Flipkart for purchasing books. Check image of Order confirmation once you complete your payment.
There is some background why I like this growing trend of online shopping.
When I started my career in IT, I joined an e-commerce company (Avenues India Pvt. Ltd., Mumbai) as a fresher. They are one of the largest payment gateway in India providing payment facility to many websites.
We must take care of few things while shopping online.
1. Always check whether payment site is secure or not (https).
2. Always buy on well known website.
3. Check website address while entering your bank or credit card details.
Many of my friends and colleague are using online shopping regularly in last one year. Mostly they buy books, cloths or shoes. One of my friend even bought Samsung mobile online.
These shopping websites carry out regular offers and deals to increase sale. They send you regular email updates of new offers. These offers are the main source of purchase among my friends. There is cash on delivery option available.
I have also used online shopping few months back (on 19th Aug 2012) to buy thermometer on ebay. The seller was techguru india. I got order confirmation mail immediately with seller details from ebay (PaisaPay which is ebay's payment service). 2 days later (21 Aug 2012), I got email that Seller has shipped my order and next day (22 Aug 2012) i received my order by Courier. Everything was smooth and i like this online shopping process.
Flipkart is most popular shopping site among the people i know and most of them shop on flipkart.
I have also used Flipkart for purchasing books. Check image of Order confirmation once you complete your payment.
There is some background why I like this growing trend of online shopping.
When I started my career in IT, I joined an e-commerce company (Avenues India Pvt. Ltd., Mumbai) as a fresher. They are one of the largest payment gateway in India providing payment facility to many websites.
We must take care of few things while shopping online.
1. Always check whether payment site is secure or not (https).
2. Always buy on well known website.
3. Check website address while entering your bank or credit card details.
Friday, March 8, 2013
Problem for ECS activation
I opted ECS for my car loan. Car loan is with State bank of India, Chinchwad and ECS from Ing vysya bank. After completion of loan processing , i collected ECS form from SBI on 30th June 2012. As EMI amount on documents was mentioned as 11500, i submitted form in ING with same detail and one copy to SBI.
Due to some technical problem, ECS debit was not activated in SBI and i had to pay by net banking.
In October I went to SBI branch and asked for status of ECS activation. They told that it will be activated next month and asked me to again pay by cheque or online. They verified my account and told me that EMI is 11501. And you paid Rs. 11500/- last three months so this time pay 11504.
I paid Rs. 11504/- by net banking again.
In November also ECS was not activated so again i paid by net-banking.
In December, SBI informed that ECS is activated when i went to branch and this month it will be executed. On 12th December, ECS was executed when I logged into to SBI CAR loan account online but my ING account was not debited. There was ECS returned details in SBI account online dated 15th Dec. (return code = 5) I got sms from SBI that ECS returned due to insufficient funds. There was enough balance in my account. I went to branch for confirmation and they informed that there may be some technical issue as they were also not sure. They asked me to wait till 20th Dec. I again paid using net-banking on 21st Dec.
In January, ECS was again executed but got reversed on 15th. I paid amount again. As ECS was not executed second time, i started thinking what may be the issue. I searched online the meaning of return code 5 and found the meaning as exceeds arrangements.
I was doubtful that amount difference (ECS form with 11500 and actual ECS of 11501) may be the issue. So i went to ING branch at FC road. They confirmed that actual ECS amount should not greater than the details provided while activating ECS. They provided me one form for amount correction. I submitted the form to ING. ECS correction charges (around RS. 50) got deducted from my ING account.
On 12th February, my ING account is debitted with Rs. 11501. I was very much relieved when i got the message. This was first time i opted for ECS so i was very much new to all these things. (ECS may not get executed if actual ECS amount is more). I was only aware that if there is insufficient balance in account, ECS is not getting executed and some fine is charged for ECS failure. In my case there was no Fine as i had enough balance in my account. So I was very confused why it is not getting executed.
I am sharing this because it may be helpful to someone.
Due to some technical problem, ECS debit was not activated in SBI and i had to pay by net banking.
In October I went to SBI branch and asked for status of ECS activation. They told that it will be activated next month and asked me to again pay by cheque or online. They verified my account and told me that EMI is 11501. And you paid Rs. 11500/- last three months so this time pay 11504.
I paid Rs. 11504/- by net banking again.
In November also ECS was not activated so again i paid by net-banking.
In December, SBI informed that ECS is activated when i went to branch and this month it will be executed. On 12th December, ECS was executed when I logged into to SBI CAR loan account online but my ING account was not debited. There was ECS returned details in SBI account online dated 15th Dec. (return code = 5) I got sms from SBI that ECS returned due to insufficient funds. There was enough balance in my account. I went to branch for confirmation and they informed that there may be some technical issue as they were also not sure. They asked me to wait till 20th Dec. I again paid using net-banking on 21st Dec.
In January, ECS was again executed but got reversed on 15th. I paid amount again. As ECS was not executed second time, i started thinking what may be the issue. I searched online the meaning of return code 5 and found the meaning as exceeds arrangements.
I was doubtful that amount difference (ECS form with 11500 and actual ECS of 11501) may be the issue. So i went to ING branch at FC road. They confirmed that actual ECS amount should not greater than the details provided while activating ECS. They provided me one form for amount correction. I submitted the form to ING. ECS correction charges (around RS. 50) got deducted from my ING account.
On 12th February, my ING account is debitted with Rs. 11501. I was very much relieved when i got the message. This was first time i opted for ECS so i was very much new to all these things. (ECS may not get executed if actual ECS amount is more). I was only aware that if there is insufficient balance in account, ECS is not getting executed and some fine is charged for ECS failure. In my case there was no Fine as i had enough balance in my account. So I was very confused why it is not getting executed.
I am sharing this because it may be helpful to someone.
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