Terms & Conditions

Terms and Conditions

Welcome to FinancingBrainZ!

These terms and conditions outline the rules and regulations for the use of FinancingBrainZ's Website, located at https://financeandbrains.blogspot.com/.

By accessing this website we assume you accept these terms and conditions. Do not continue to use FinancingBrainZ if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: "Client", "You" and "Your" refers to you, the person log on this website and compliant to the Company’s terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

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License

Unless otherwise stated, FinancingBrainZ and/or its licensors own the intellectual property rights for all material on FinancingBrainZ. All intellectual property rights are reserved. You may access this from FinancingBrainZ for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

Republish material from FinancingBrainZ
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Reproduce, duplicate or copy material from FinancingBrainZ
Redistribute content from FinancingBrainZ

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. FinancingBrainZ does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of FinancingBrainZ,its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, FinancingBrainZ shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

FinancingBrainZ reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

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You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant FinancingBrainZ a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

Government agencies;
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News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

commonly-known consumer and/or business information sources;
dot.com community sites;
associations or other groups representing charities;
online directory distributors;
internet portals;
accounting, law and consulting firms; and
educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of FinancingBrainZ; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to FinancingBrainZ. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

By use of our corporate name; or
By use of the uniform resource locator being linked to; or
By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of FinancingBrainZ's logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

5 Real Tax Saving Investments - बाकी सब मोह माया है !!!

1.Invest in ELSS – Tax Saving Mutual Funds Highest returns among other 80C options Lowest lock-in of 3 years Option to invest monthly (SIP) as low as Rs.500 or lumpsum Get online investment proof Simple as hell - download mobile app of any Mutual fund - fill details select tax saver fund - and its done Below are best funds right now for investment - Beauty of ELSS is only it has advantage of 3 years lock in period and for people up for 1.5 lac investment can invest in this and after 3 years would get lumpsum amount including returns and could create buffer for every year 1.5 lac investment. लगातार 3 साल ELSS में 1.5 लाख Invest करने से 4 साल से हर साल Invest करने के लिए एक फ़ंड बन जाएगा | All about tax saving and PPF 2.TERM INSURANCE PLAN : If you think term insurance is a ‘waste of money’, think again… Do any of these sentences sound familiar? Insura...

Public Provident Fund- आस्था है तो सब कुछ है||

Public Provident Fund- आस्था है तो सब कुछ है|| (An advice from elders) Public provident fund or PPF is a very important and must have instrument in one’s investment portfolio.This is something that is told by all elders to young earning member of family to open a PPF account as since ages it is considered as one of the best ways to save tax, tong term saving and tax free return instrument. But one has to have clarity on its provisions and basic PPF rules so that one can make the optimum use of the instrument to achieve its future life and financial goals. A minimum yearly deposit of ₹500 is required to open and maintain a PPF account. A PPF account holder can deposit a maximum of ₹1.5 lacs in his/her PPF account (including those accounts where he is the guardian) per financial year. There must be a guardian for PPF accounts opened in the name of...

Tax Saving - जल्दी का काम शैतान का||

कहते हैं जल्दी का काम शैतान का। बाकी का पता नही पर Tax Saving के बारे में ये सच है। Now whenever February march starts two type of creature in financial sector become aggressively active, ones like zombies in search of only tax saving products in their mind that too in so much haste that beats the basic nature of saving. 2nd are those fox like cunning so called financial advisors who aggressively shoot these zombies in head by selling them those tax saving products which are beneficial for the seller and does nothing good for the investor. जल्दबाजी क्यों ना करें- 1. Coz this is your hard earned money and this tax hoax should not either deprive you from good returns or principal amount itself. 2. Most of the time these investment are for long term and need to be consistently paid for years.It must be worth the effort and money that is going to be paid for longer period. 3.While one is in haste, tendency is to overlook all shortcomings an...

ELSS - नहीं पता ?? इसको उठा ले रे देवा

Equity Linked Savings Scheme or ELSS It is the only mutual fund eligible for 80C deductions. ELSS is a diversified equity mutual fund that offers tax deductions upto Rs. 1.5 lakhs annually. आसान भाषा में कहे तो ELSS में जमा राशि 80C के 1.5 लाख के deduction के लिए eligible है| अब इसमे खास बात क्या है ये सब तो TAX SAVER FD,पीपीएफ़, NSC, INSURANCE में भी है| खास बात है इसका LOCK IN पीरियड और इससे मिलने वाली रिटर्न | INVEST कैसे करें - ज़्यादातर म्यूचुअल फ़ंड कंपनी ELSS में invest करने के लिए अपने मोबाइल एप्प. पर ऑप्शन देती है | उसमे लॉग इन कर अपनी requirement के हिसाब से प्रति माह या एक साथ lump sum इन्वेस्ट किया जा सकता है| ELSS की परफॉर्मेंस और returns इंटरनेट पर चेक की जा सकती है| Invest in ELSS – Tax Saving Mutual Funds Highest returns among other 80C options Lowest lock-in of 3 years Option to invest monthly (SIP) as low as Rs.500 or lumpsum Get online investment proof Simple as hell - download mobile app of any Mutual ...

Term Insurance - A life sailing boat

Term Insurance - करना ज़रूरी है।।। कुछ बहुत ज्यादा नामी बीमा कंपनियों ने "बीमा" शब्द को इतना भयावह बना दिया कि अब लोग किसी बीमा एजेंट के परिचय होने से और उनको अपना मोबाइल नंबर देने से भी डरने लगे हैं| क्योंकि ये सेल्स मेन इतने pushy होते हैं कि बिना जाने भी रेगुलर फॉलो अप्स के चलते बीमा खरीदना ही पड़ता है| कारण सिर्फ एक है कि बीमा एक अति आवश्यक जीवन दायिनी होने के साथ साथ Bank FD,mutual fund आदि की तरह निवेश का माध्यम बना कर समझाई और बेची जा रही है | परंतु अब आम लोगो को यह समझाना कठिन हो चला है कि बीमा का शुद्ध रूप कुछ और ही है| टर्म इन्शुरेंस (TERM INSURANCE ) जिसके बारे मे अब कुछ बाते होने लगी हैं वही बीमा का शुद्ध रूप है | इस प्रकार के बीमा में अपने आप को बीमा से सुरक्षित कराने वाला व्यक्ति एक निर्धारित समायावधि मे प्रति वर्ष एक निर्धारित राशि प्रीमियम के तौर पर चुकाता है तथा इस समयावधि में बीमित व्यक्ति की मृत्यु की स्थिति में क्लैम राशि का भुगतान किया जाता है| समझने की बात यह है की क्लैम के समय मिलने वाली रकम की गणना बीमित व्यक्ति क...

Term Plan - कहते सब हैं लेता कोई नहीं|||

Why do you need Term Insurance? Your family depends on you: The term insurance money can be used to meet your family’s monthly expenses and important goals like your child’s education. Your assets need protection: You may take loans for assets like a house or a car. However, if something happens to you, your loved ones might be burdened with loan repayments. In such a situation, the term insurance payout which your family will receive can be utilized in paying off outstanding loans. Lifestyle risks: Modern day lifestyle problems can lead to a host of ailments. Some term insurance plans don’t just protect your family after death but also during your lifetime by offering critical illness protection. This feature pays out on the diagnosis of certain critical ailments like cancer or heart attack. अब देखते हैं कि क्या ऐसे फायदे हैं जो TERM PLAN से मिलते हैं - High Life Insurance Amount at affordable premiums: Term insurance plans provide high life...

Have a Well-Stocked Emergency Fund

We normally think of having an emergency fund as being a short-term financial goal. And from a mechanical standpoint, that’s true. However, an emergency fund has important long-term benefits, which is why it’s one of the good financial goals that you should plan to achieve. Here are just some of the benefits that a well-stocked emergency fund can provide you with throughout your life: It can take away a lot of the money worries that you have since you know that you will always have a reserve should you get into a tight spot As is expected of an emergency fund, it will be there to cushion the blow in the event of a sudden emergency, such as a job loss or a large medical expense It’s an important money management tool – if you can save money for an emergency fund, then you can save money for any financial goal that you have It provides you with an intermediate funding source – a kind of halfway point between your paycheck and your investment accounts – that ...

Sovereign Gold Bond- सोना यहां है मोना डार्लिंग😎

Gold prices in India have corrected sharply from record highs hit earlier this month. Gold prices in India have corrected sharply from record highs hit earlier this month. In futures markets gold currently trades at ₹ 51,400 levels per 10 gram as compared to August 7 highs of ₹ 56,200. "Sovereign gold bond is an effective way to invest in non-physical gold, wherein an investor does not have to worry about the storage of gold as it is in a demat form and there are no local taxes that a buyer needs to pay if buying physical gold," says Nish Bhatt, Founder & CEO of Millwood Kane International, an investment consulting firm. Here are things to know about latest gold bond scheme: 1) Sovereign gold bonds, which are government securities denominated in grams of gold, are issued by RBI on behalf of the Government of India. The investors will be issued a holding certificate for the same. 2) Gold bonds have a maturity period of eight years with an exit option after fifth yea...

March means Tax Planned!!!

With the onset of March every year, tax planning and saving become a primary concern for all. While a good financial plan begins from the first day of a financial year, if you have not been able to follow one, there is still some hope for you before it comes to an on March 31st. 1: Ensure Full Utilisation Of Section 80C Section 80C of the income tax act offers a wide range of financial instruments that provide tax deductions up to Rs. 1.5 Lakhs. Identifying the right investment instrument is essential to ensure you are investing as per your financial plan and not simply for tax saving. For example, the recent introduction of long-term capital gains tax (LTCG) means that your investments in if you are a low-risk investor you can opt for investments in PPF , National Savings Certificate, bank Fixed Deposits etc. Opt for an investment which works for you and not blindly follows what others suggest. 2: Opt For Health Insurance If you still have not bought a healt...

#FirstSalary#Dowhatyoulike#Enjoywisely

"Ac XXXXXXXX00002760 Credited with Rs.51,442, 31-01-2019 20:34:11. Helpline 18001809990.Update your Email ID in account for details." Happiness is when you get this most awaited SMS on your mobile.And then follows the confusion between heart and mind, soul and body, PRASAD or Party.These are and may be your steps just after getting that hard earned and fully valued FIRST SALARY.Ohh..one whole month of learning, working with new people,adapting new culture,new rules (wherein earlier it was 'mah rulz Mah Lyf' LOL) and yeah forgot the one who is literally difficult to cope with 'your New BOSS'. Must Read : March-means-tax-planned 1.Thank God with Prayer and PRASADAM First salary must be result of your hard work but that omnipresent power is always there to show you the right path and there is no better way to thank God with Prayer and PRASADAM or as per your religious outlook. Be ready to help someone needy and weak on your way to temple...