Title: How to Look out for LTCG tax while Reinvesting in ELSS

Whenever we invest in any scheme, we always focus on the tax implementation on its gains. And if you do not calculate the potential tax you may have to pay on gains, we recommend you start doing it right away. Calculating tax on gains is essential for financial planning. What’s the point of investing in a scheme if the returns are going to be taxed way more than your expectations? The financial budget of 2020 may have made the tax payment simpler for tax payers, but investors still need to understand the tax treatment applicable for individual tax schemes.

If you are someone who is paying taxes regularly, you may have come across Equity Linked Saving Scheme (ELSS), a mutual fund scheme with a tax benefit. And if you invested in an ELSS scheme three years ago, the tax treatment on ELSS gains was different than what it is now. So if you want to find out whether you want to reinvest in ELSS post the three year lock-in, there are a few things that you need to understand before you reinvest.

But before that, let us understand ELSS in detail and find out more about this tax saving scheme.

What is Equity Linked Saving Scheme?

ELSS is an open ended mutual fund scheme that comes with a predetermined lock-in period of three years. This statutory lock-in indicates that an ELSS fund holder cannot redeem their fund units for at least three years. Having said that, the three year lock-in is probably the shortest among all tax saving instruments here in India.

Here’s an example to help you understand how ELSS can help you save tax:

Suppose you are earning a gross yearly salary of Rs. 13 lakhs. This makes you fall under the 30 per cent tax slab. As per Section 80C of the Indian Income Tax Act, 1961 investments up to Rs. 1,50,000 in ELSS are exempted from tax deductions. So by investing Rs. 1.5 lakhs in an ELSS tax saver fund, you bring down your annual taxable income to Rs. 11.5 lakhs and save yourself from paying extra taxes.

The three year lock-in is also helpful because the longer your hold on to your equity investments the more chance you have earning capital gains. That’s because investments made in direct / indirect equities tend to perform only when held for the long run. Hence, investors are usually expected to club their long term financial goals with ELSS investments.

Taxation on ELSS

Much to the disappointment of heavily invested ELSS fund owners, the then finance minister, the late MR. Arun Jaitley reintroduced the long term capital gain tax on ELSS investments. Because of this, a lot of people were left in doubt whether to reinvest in ELSS or withdraw once the lock-in period is over. Let us brief on how your current ELSS gains are eligible for tax deductions. If your annual ELSS gains exceed Rs. 1 lakh a flat 10 per cent of long term capital gain (LTCG) tax without indexation is applicable. So when you redeem your ELSS funds after the lock-in, if the gains exceed Rs. 1 lakh, you are eligible to pay LTCG tax. But, according to us, this is still feasible because you get the money in your hand in just three years. Other tax saving schemes that come under Section 80C like PPF or a Savings deposit require taxpayers to remain invested for 5 to 15 years.

Hence, paying a little LTGC tax isn’t harmful at all considering the lucrative returns ELSS funds have offered in the past.

This is the current tax treatment on ELSS gains and you should take this factor into consideration before reinvesting. If you find the newly imposed LTCG tax unreasonable, feel free to abstain from ELSS reinvestments and invest your money in a scheme that fits your investment goal.

6 Ways to Reach Your Target Audience

Getting through to your target audience is a task that will likely give you a headache as a marketer. Simplified as a goal, effective marketing can place the right message in front of the right people to stimulate customer interaction. It is possible to do a great job marketing your product or service, but get the news to the wrong people. To help you avoid such a misstep, here are six ways to reach your target audience effectively.

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1. Identify your target audience

To connect with your target audience, you first have to identify its members. To do this, you need to understand your customer base. You can do this by answering the question, who is my ideal customer? By answering this question, you develop a customer persona, or a generalized representation of who your customers are and how they behave. By listing their demographic information and preferences, you gain a better understanding of your target audience. From here, you can market your brand and products directly to those who are genuinely interested in them. This process generates more quality traffic in the form of leads and conversions that will help you increase revenue.

2. Implement a keyword strategy

Keyword research, or search engine optimization (SEO), is the process of using data analytics to identify the long-tail and short-tail phrases that users search to find you on Google. In this step, you learn more about your target audience and their language. Strategically, you can integrate the use of this language in your landing page and marketing materials so that your brand's website performs well on search engine results pages (SERP). Once you've identified your target and engaged them strategically, Salesforce call center integration can support your business's productivity with its remote work capabilities.

3. Relevant content creation

Creating relevant content is step three, and if you've noticed, these stepping stones toward your milestone of reaching your target have a flow to them. First, you identify your ideal customer. You should be able to point one of them out from a mile away. After that, do some feeler marketing and SEO research to see what engages them and to learn their language. Next, you create relevant content that performs well on search engines and converts user traffic. Creating relevant content also means using different media platforms to convey your brand message. Video marketing, blog posts, interviews, and articles are all viable marketing tools that are useful for sharing your intended message.

4. Work with niche influencers

As it stands, social media is the wave right now, and it brilliantly provides a direct channel to your target. During the COVID-19 pandemic and global lockdowns, businesses worldwide have amplified their voice digitally via social platforms, and it only makes sense that you follow suit since your customers are surviving isolation stress by going online. Niche influencers are public figures that can magnify your brand's notoriety by endorsing your product before a substantial online following. To make sure that you're partnering with the right people, look them up here via a 100% free people search.

5. Target your target

No pun intended. Targeting your target means that you take an aimed marketing approach—influencing your target audience is more productive when using targeted advertising. Whether that is Google or social media ads, they all provide high-level targeting options to help you strike your target audience. You can target the ads based on demographics, location, and interests of your audience. Facebook, for example, provides you with access to various targeting tools that will help you create and run ads complete with analytics, letting you optimize your advertising campaigns. Other social media platforms like Instagram and Twitter also offer these kinds of marketing tools.

6. Use referral marketing

Many companies utilize referral marketing, and you have options in how you can use this marketing tool. There may be products or services that accessorize your products or complement your services, and by partnering with these businesses, you generate leads and conversions for each other. You can also create referrals among your customers by offering discounts or benefits to existing customers when they refer their connections and family members. SEO research also reveals the traffic behavior of your users. If you notice that users are often arriving at your website from another website, this may indicate an opportunity to partner for more referrals.

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Think Fat Loss, Not Weight Loss

Weight loss is one of the hottest topics ever. Everyone seems to be trying to lose weight nowadays. Most diet programs are about weight loss and body weight is often used as an indicator of fitness progress. But, this is an incorrect approach.

Your ultimate goal should always be to lose fat and reducing excess body fat is what you should be concerned about. Weight loss and Fat loss is NOT the same thing! Many people confuse the two terms, often believing that they mean the same, when in fact weight loss and fat loss are very different from one another. This article will help you understand how weight loss is different than fat loss and how fat loss is far superior to weight loss in almost all ways.

What Is Weight Loss?

(Weight Loss = Muscle Loss + Fat Loss + Water Loss)Think Fat Loss, Not Weight Loss

Weight loss is attempting to lower your total body weight. It simply refers to a lower number on a scale.

Your body weight is composed of all the parts of your body such as muscles, fat, bones, water, organs, tissues, blood, water etc. When you lose weight, you lose a little bit of... fat, muscle and water.

You lose fat but very little and along with the fat you lose muscle and some amount of water. The higher you reduce your calorie intake, the faster you drop weight and the more muscle mass you lose.

Do know your muscle matters? Loss of muscle affects your health and your overall appearance.

When you lose weight too quickly, your body cannot maintain its muscle. Because muscle requires more calories to sustain itself, your body begins to metabolize it so that it can reserve the incoming calories for its survival. It protects it fat stores as a defense mechanism to ensure your survival in case of future famine and instead use lean tissue or muscle to provide it with calories it needs to keep its vital organs such as your brain, heart, kidneys and liver functioning. If you reach a point where you have very little fat or muscle, your body will metabolize your organs to keep your brain functioning leading to heart attack, stroke and liver and kidney failure.

As the body loses more muscle mass, the body's overall metabolic rate decreases. The metabolic rate is the rate at which the body burns calories and is partly determined by the amount of muscle you have.

So the more muscle you have, the higher your metabolic rate; the less muscle you have, the lower your metabolic rate and fewer calories you burn. This explains why it is crucial to protect your metabolic rate and not have muscle loss.

Loss of muscle also leads to loss of tone underneath the skin leaving you soft and unshapely with no form or contour. If you lose weight too rapidly, your skin won't have time to adjust either. Also muscle is what gives you strength and loss of it means a weak body.

With weight loss you shrink in size and become a smaller version of yourself with a fragile frame with saggy skin.

Weight loss works in the short run to make you smaller but is temporary, almost everyone rebounds and regains the weight. This forces you to find another diet. And then another one, and another one - because eventually they'll all fail.

What Is Fat Loss?

(Fat Loss = Loss Of Stored Body Fat)

Fat loss is attempting to lower your total body fat - i.e. the percentage of your total body weight that is made up of fat.

The right approach for fat loss is to exercise smartly and eat intelligently in a way that maintains muscle and focuses on fat loss exclusively.

The muscle you have is not there forever. If you don't feed it and don't use it - you lose it. A proper plan with right combination of resistance and cardiovascular training with adequate progression and a right nutrition plan to support it can help you achieve this. Exercise only boosts the burning process but doesn't just melt the fat away on its own - if you do not create a deficit and feed the body too much - it won't touch the stored fuel reserves. On the hand if you drastically cut your calories and do not feed your muscle properly or don't exercise and use your muscle, you will lose it. Fat loss is about finding that right balance.

With fat loss you maintain the muscle and keep the metabolic rate running high. You also develop stronger connective tissue, tighter skin and stronger bones and joints. With fat loss you transform your body.

Fat loss is a lifestyle approach where you give your body what it needs without depriving and shocking it with threat of starvation. You get to see slow but permanent steady progress.

It may sound odd, but it's possible to get thinner without actually seeing a change in your weight. This happens when you lose body fat while gaining muscle. Your weight stays the same, even as you lose inches.

Lets see how this happens.

Fat tissue is very loose and not dense. It occupies a lot of space in your body. Whereas muscle is more dense and takes up less space. When you lose fat, this space is freed and you can notice inch loss. If you are following a consistent strength training program then gain in lean muscle tissue will balance out this loss of fat and weight stays the same. Since muscle takes less space than fat, you lose inches and start to look more toned, lean and shapely.

consistent strength training program then gain in lean muscle tissue will balance out this loss of fat and weight stays the same. Since muscle takes less space than fat, you lose inches and start to look more toned, lean and shapely.

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IT Basic

Information Technology

Information technology (IT) is the use of any computers, storage, networking and other physical devices, infrastructure and processes to create, process, store, secure and exchange all forms of electronic data. Typically, IT is used in the context of enterprise operations as opposed to personal or entertainment technologies. The commercial use of IT encompasses both computer technology and telephony.

The term information technology was coined by the Harvard Business Review, in order to make a distinction between purpose-built machines designed to perform a limited scope of functions and general-purpose computing machines that could be programmed for various tasks. As the IT industry evolved from the mid-20thcentury, computing capability advanced while device cost and energy consumption fell lower, a cycle that continues today when new technologies emerge.

IT software and hardware

IT includes several layers of physical equipment (hardware), virtualization and management or automation tools, operating systems and applications (software) used to perform essential functions. User devices, peripherals and software, such as laptops, smartphones or even recording equipment, can be included in the IT domain. IT can also refer to the architectures, methodologies and regulations governing the use and storage of data.

Business applications include databases like SQL Server, transactional systems such as real-time order entry, email servers like Exchange, Web servers like Apache, customer relationship management and enterprise resource planning systems. These applications execute programmed instructions to manipulate, consolidate, disperse or otherwise affect data for a business purpose.

Computer servers run business applications. Servers interact with client users and other servers across one or more business networks. Storage is any kind of technology that holds information as data. Information can take any form including file data, multimedia, telephonydata and Web data, data from sensors or future formats. Storage includes volatile random access memory (RAM) as well as non-volatile tape, hard disk and solid-state flash drives.

IT architectures have evolved to include virtualization and cloud computing, where physical resources are abstracted and pooled in different configurations to meet application requirements. Clouds may be distributed across locations and shared with other IT users, or contained within a corporate data center, or some combination of both deployments.

IT education and job functions

A team of administrators and other technical staffers deploy and manage the company's IT infrastructure and assets. IT teams depend on a wide range of specialized information and technology skills and knowledge to support equipment, applications and activities. Third-party contractors and IT vendor support personnel augment the IT team.

The information technology profession is extremely diverse. IT workers can specialize in fields like software development, application management, hardware components such as desktop support, server or storage administrator and network architecture. Many businesses seek IT professionals with mixed or overlapping skill sets.

Common IT careers:

Chief information officer: This person is responsible for IT and computer systems that support the enterprise's goals.

Chief technology officer: This person sets all technology goals and policies within an organization.

IT director: This person is responsible for the function of all of the business's technology tools and processes. This role is commonly called IT manager or IT leader.

Systems administrator: This person configures, manages, supports and troubleshoots a multi-user computing environment. Within an enterprise, this role can be segmented by technology, requiring an administrator or team dedicated to server, desktop, network, virtualization or other components.

Margaret Rouse asks:
What is changing today about information technology roles?
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Application manager: This person's role centers on the provisioning and management of a high-value business application, such as Exchange.

Developer: This person or team writes, updates and tests code for programs to meet business objectives internally or facing customers.

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