PPF or Public Provident Fund is a scheme started by the National Savings Organization in 1968 with the objective of promoting small savings. Any resident Indian can open a PPF account. Only one PPF account is allowed to be opened per individual Daniel Winnik Jersey , and there can be no joint holders for this account. The PPF account is one of the most popular investment alternatives that people enjoy in India today. This instrument has a 15-year lock-in period after which it can be renewed for 5 years at a time. But what makes the account so popular? Here are the top 5 reasons why one should open a PPF account: 1. Tax-free income: The income earned on investments made in a PPF account is exempt from income tax. This makes it an attractive source to earn tax-free income. The interest is compounded for future years, and the interest earned on this compounded interest is also tax-exempt. This increases the returns from PPF. 2. Guaranteed income: The PPF has a sovereign guarantee. What this means is that the Government backs the PPF. The returns on investment are guaranteed. This makes it a secure form of investment. Since minors can have their account, it is an excellent investment that parents can make for their children. 3. Tax break for investments: Any investments made in Public Provident Fund get a deduction under Section 80C of the Income Tax Act. This makes it a lucrative investment option since it not only saves tax at the time of investment Matt Dumba Jersey , but the income is tax exempt. 4. Flexible investment amounts: While most investment modes have a fixed investment amount that should take place periodically, the PPF gives the investor the flexibility to make investments between Rs. 500 and Rs. 1,50 Ryan Suter Jersey ,000 every year. These investments can be made any time during the year, up to 12 instalments. This flexibility means the investor can invest in this account any time he has the funds to invest. 5. Withdrawals: The only major drawback about PPF is the liquidity. PPF accounts have a lock-in of 15 years from the year of account opening. For example, if you opened the account in July 2017 Luke Kunin Jersey , the account and the funds are locked in till March 2033. However, in spite of this lock-in, partial withdrawals can be made at any time subject to the terms and conditions. On maturity Marcus Foligno Jersey , the investor can choose to close the account and entirely withdraw his balance. There are numerous factors to consider when choosing a puppy. A puppy requires an enormous amount of responsibility and time so think wisely before deciding on purchasing or adopting one.
Once you've made up your mind, it's time to choose your dog. Here are few things and tips to consider that may help:
Mixed Breed or Pure Breed?
Pure Bred dogs usually have a better temperament than mixed breed ones. But this is not always the case so it is very important to look at the individual dog. Mixed dogs are usually less predictable in their size, temperament and character. This may be an important factor to consider especially when you have small children. Pure breeds are usually bred for certain qualities so it is easy to predict how the puppy will look and act like by referring to its parents. Pure breeds however usually cost more than mixed breeds because breeders bred to insure only the best blood lines. On the contrary Jason Zucker Jersey , mixed breeds are less expensive and easier to find at animal shelters or pet stores. They are not as subjective to inter-breeding so they also have less health defects than pure breeds.
Easy Ways to Test for Temperament
First, observe the puppy before interacting with it. Note how she interacts with other puppies. If she hides in a corner when other dogs are playing and fighting then she will probably not adapt easily to loud, busy environments. Frequent barking or biting with other puppies imply that she is a social dog that is usually not shy in a new or loud atmosphere. Is she barks or bites and then loses interest means that she is a balance of the two extremes.
Next take her away from other puppies to test for her temperament:
(1) Hold her down on her backside with one hand for 30 seconds and observe how she struggles against restraint.
If she struggles to get free then she is likely to be aggressive or responsive to you.
If she resists at first then gives up then she is likely to be independent.
If she licks your hands or doesn't struggle then she is likely to be nervous or shy.
(2) Walk away from her and observe how she reacts.
If she doesn't follow you then she is likely to be independent.
If she follows you with tail up quickly then she is likely to be aggressive.
If she follows you with tail up hesitantly then she is likely to be responsive.
If she follows you with tail down then she is nervous or shy.
(3) Place her in the center of the room and call for her to come to you to observe how social she is. If she comes to you readily with tail up and pounces at you she is likely to be aggressive.
If she comes to you readily with tail up she is likely to be responsive.
If she comes to you with tail down and doesn't jump is likely to be nervous.
If she doesn't come to you she is likely to be independent.
What Does it All Mean?
Responsive: Adaptable Joel Eriksson Ek Jersey , easily trainable, bonds well with humans and other animals. These dogs are great for first time dog owners. Nervous: Shy and unpredictable. Not recommended around small children. Aggressive: Dominant, unpredictable and hard to train. Not recommended around children or other animals. Independent: Stubborn and harder to train.
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