What is TDS (Tax Deducted at Source) | FAQ

# What is TDS ?

TDS means Tax Deducted at Source. It is the amount withheld from payments of various kinds such as salary, contract payment, commission etc. This withheld amount can be adjusted against your tax due.

# Is TDS relevant for me as a businessman ?

Yes. Payments may be made to you after TDS. You can adjust this against your final tax liability. You are also required to effect TDS while making business payments. Failure to do so will result in the entire of expenditure being disallowed as your business expenditure and taxed as income.

# I have made some deposits with a bank on which annual interest is around Rs.15000. My income is below taxable limit. The banker wants to deduct tax. What do I do ?

You can file a self-declaration to the banker in form 15H stating that your income is below taxable limit. The form is available with your banker, the local Income-Tax office and can be downloaded from the website http://www.incometaxindia.gov.in/. This form should be filed before the interests begin to accrue in the fixed deposit account, since the declaration has no retrospective effect.

# I have let out a property for Rs.20,000 per month. The tenant is deducting tax that is more than my tax liability. What can I do under this circumstance ?

If you compute your tax liability and find it to be lower than the tax being deducted, you may approach your assessing officer by filing Form 13. He will issue a certificate directing the tenant to make TDS at a lesser rate. This form is available with the local Income tax office or can be downloaded from the website www.incometaxindia.gov.in.

# I have deducted tax from payments disbursed but used the same for some urgent financial needs. What are the consequences ?

It is an offence to misuse the tax deducted at source. It should have been remitted to government account within the time allowed. The failure attracts tax, interest, penalty and also rigorous imprisonment up to seven years.

# What can I do if I am unable to get the TDS certificate [form-16 or 16A] ?

It is the duty of every person deducting tax to issue TDS certificate. In spite of your asking if you are denied the certificate then there is a chance that the tax deducted has not been deposited by the deductor to the government account. Please inform the department [PRO or TDS section] which will then do the needful.

# I have not received TDS certificate from my employer. Can I claim TDS deducted from my salary ?

Yes. The claim can be made in your return. Department however will raise a demand which will not be enforced on you but on your employer.

# If the employer does not deduct tax and employee also does not pay his due tax, who will be held responsible for tax payment ?

The ultimate responsibility to pay tax rests on the person who has earned income. If the employee deposits such tax then the employer will be liable for interest and penalty for failure to deduct tax.

# I am buying a property from a person residing in USA. Should I deduct tax while making payment ?

Yes u/s 195. In case you have any doubt regarding the amount on which TDS is to be made, you may file an application with the officer handling non-resident taxation who will pass an order determining the TDS to be made. Alternatively, if the recipient feels that the TDS is more he may file an application with his Assessing officer for non-deduction.

# Can I use PAN to pay the TDS deducted into government account ?

No. You are required to take a separate Tax Deduction Account Number [TAN] by making an application in form 49B with the Tin facilitation center of NSDL.

# In case the deductee comes back stating that the original TDS certificate is lost, whether a duplicate certificate can be issued ?

Yes. The deductor will have to issue the certificate in a plain paper giving necessary details of deduction and remittance.

SOURCE : INDIA INCOME TAX OFFICIAL WEBSTIE

Read more ...

Poisonous letter to Obama | Study of Ricin | Castor Seeds

Poisonous Letter to Barrack Obama

On april 17, 2013, it was noticed that some anonymous person sent a suspicious poison-laced letters to Mr. Obama, two days after the Boston bombings. Later, it was discovered that letters were tainted with deadly ricin poison. It is worth mentioning that copy of same ricin-laced letter also sent to senator Roger Wicker.

These letters were intercepted by White house mail faculty. The White House Secret Security Service revealed that the letter was from same sender, who mailed poisonous letter to Republican senator Roger Wicker, one day before the incident. It is believed that there might be link between Boston attacks and these letters.

The contents of a letter read as:

“To see a wrong and not expose it, is to become a silent partner to its continuance.”
and signed as:
“I am KC and I approve this message.”

On may 30, 2013, after a month and a half, the same ricin-laced letters were again intercepted by Mail Screening Faculty (MSF) at White House and the copies of same letters were received by Repulican Senator of New York City, Michael Bloomberg. Mr. Bloomberg is Mayor as well as a Billionaire who supports National Movement against illegal Guns Control. As per the latest reports, an Actress named Shannon Richardson from Texas was arrested on June 9, 2013 for allegedly sending ricin-tainted letters to Prez Obama and NYC Mayor Bloomberg. Have a look at this video for more:

Now, question arises is what is Ricin, and from where it is obtained. Have a read:

Study of Castor Oil plant

Castor oil is obtained from pressing castor beans (the seeds of a plant which has the botanical nameRicinus communis of the family Eurphorbiacae. The oil is a pale yellow, viscous, non-volatile and non-drying with a bland taste, obtained either by one or a combination of mechanical pressing or solvent extraction. It finds uses as a purgative, a plastic and textile finishing material, in paints and varnishes, a feedstock to the transesterification process for the production of biodiesel, as well as in the beauty industry as a cosmetic and hair oil. Castor oil has an advantage over other mineral oils in that it is a biodegradable, eco-friendly and renewable resource. It is found mainly in the southeastern Mediterranean Basin, Eastern Africa, and India etc.

Castor oil (ricinus oil, phorboyl, tangantangan oil) is a natural oil derived from the seeds of the castor bean by cold pressing (for medicinal use) or hot pressing (for industrial purposes). Chemically, castor oil is a triglyceride characterized by a high content of ricinolein (a glyceride of 12-hydroxy-9-octadecenoic acid). It has the approximate fatty acid composition of ricinoleic acid (87%), oleic acid (7%), linoleic acid (3%), palmitic acid (2%), stearic acid (1%), with trace amounts of dihydroxystearic acid (Windholz, 1976).

Castor seed is the source of castor oil, with wide variety of uses. It is flowering plant. The castor seeds is a castor bean, not actually a bean, contains 40% to 60% oil that is rich in triglycerides, mainly ricinolein. The seed contains ricin, a toxin, which is also present in lower concentrations throughout the plant. So, we can say somehow whole of a plant is carrying poisonous content.

What is Ricin

Ricin sometimes known as raisin is protein found in Castor oil plant. It is a highly toxic, naturally occurring carbohydrate-binding protein of the type known as lectins. It is comprised largely of triglycerides with a high ricinolin content. In an experiment for the Toxicity studies, exposure to castor oil at dietary concentrations as high as 10% in 13-week studies did not affect survival or body weight gains of rats or mice (10 per sex and dose). Liver weights were increased in male rats receiving the 10% dietary concentration and in male and female mice receiving diets containing 5% or 10% castor oil.

Accordong to US Centers for Disease Control (CDC), Ricin, if inhaled, eaten, or injected, is so powerful poison that even a lethal dose in humans of about the size of a grain of salt (500 micrograms injected or inhaled) can lead to a death. It is a water soluble but cannot be absorbed through the skin, so simply touching ricin or getting ricin powder in your eyes will not cause poisoning.

Symptoms, Detection and Cure for Ricin Poison :  [PDF]

Do follow us on : TWITTER
& Like us on : FACEBOOK

Read more ...

Consumer Complaint | First Appeal | Revision Petition | Transfer Application Guide | India

Consumer Complaint (CC)

Consumer Complaint as provided under Section 21(a)(i) of theConsumer Protection Act, 1986, where the value of the goods or services and compensation, if any, claimed, exceeds Rupees One Crore is to be filed in with the Registry of this Commission within a period of  two years from the date on which the cause of action has arisen. Complaint can be filled on all working days (Monday to Friday) between 10:00 A.M. to 4:30 P.M. at Ground Floor ‘Upbhokta Nyay Bhawan’ , ‘F’ Block, General Pool Office Complex, INA, New Delhi-110 023. Consumer Complaint should be signed by the complainant and supported by a Notarised attested affidavit with 1+3 sets + Number of Opposite Parties.  (with file cover). The Consumer Complaint along with all the copies should be paginated and duly indexed in the following seriatim:-

1. Index
2. List of Dates
3. Memo of Parties (with fresh complete addresses)
4. Complaint with Notarised attested affidavit
5. Supporting documents in favour of complaint e.g. receipt, voucher etc. (All the Annexures must be attested as True Copy on the last page with name & signature)
6. Application for condonation of delay with Notarised attested affidavit, if beyond limitation. (2 years from cause of action)
7. Fee for Rs.5,000/- for making Consumer Complaint (Demand Draft in favour of “The Registrar, NCDRC, New Delhi”)

First Appeal (FA)

First Appeal as provided under Section 19 of the Consumer Protection Act, 1986-Any person aggrieved by an order made by the State Commission in exercise of its powers conferred by sub-clause (i) of clause (a) of section 17 may prefer an appeal against such order before this Commission within a period  of  thirty days from the date of receipt of the order on all working days (Monday to Friday) between 10:00 A.M. to 4:30 P.M. at Ground Floor, ‘Upbhokta Nyay Bhawan’, ‘F’ Block,  General Pool Office Complex, INA, New Delhi – 110 023.  First Appeal must be supported by a Notarised attested affidavit with 1+3 sets + Number of Opposite Parties(with File cover).  The First Appeal along with all the copies should be paginated and duly indexed in the following seriatim:-

1. Index
2. List of Dates
3. Memo of Parties (with fresh complete addresses)
4. Appeal with Notarised attested affidavit
5. Stay Application, or any other application if any, with Notarised attested affidavit
6. Application for condonation of delay with Notarised attested affidavit, if beyond limitation. (Within 30 days of receipt of order)
7. Certified copy of order of State Commission
8. Copy of Complaint, Pleadings, Evidence, Reply & Rejoinder filed before State Commission and other documents relied on by both parties. (All the Annexures must be attested as True Copy on the last page with name & signature)
9. Statuary Deposits as per Section 19 of the Consumer Protection Act, 1986 in the form of Demand Draft (in favour of “The Registrar, NCDRC, New Delhi”)

Revision Petition (RP)

Revision Petition as provided under Section 21(b) of the Consumer Protection Act, 1986-to call for the records and pass appropriate orders in any consumer dispute which is pending before or has been decided by any State Commission can be filed with the Registry of this Commission within a period  of  ninety days from the date of receipt of the order on all working days (Monday to Friday) between 10:00 A.M. to 4:30 P.M. at Ground Floor, ‘Upbhokta Nyay Bhawan’, ‘F’ Block,  General Pool Office Complex, INA, New Delhi – 110 023.

Revision Petition must be supported by a Notarised attested affidavit with 1+3 sets + Number of Opposite Parties (with File cover).  The Revision Petition along with all the copies should be paginated and duly indexed in the following seriatim:-

1. Index
2. List of Dates
3. Memo of Parties (with fresh complete addresses)
4. Revision Petition with Notarised attested affidavit
5. Stay Application, or any other application if any, with Notarised attested affidavit
6. Application for condonation of delay with Notarised attested affidavit, if beyond limitation. (Within 90 days of the receipt of the order)
7. Certified copy of order of State Commission
8. Copy of order of District Forum
9. Copy of Complaint, Reply & Rejoinder filed before District Forum as well as copy of evidence if recorded and other documents relied on by both parties. (All the Annexures must be attested as True Copy on the last page with name & signature)

Transfer Application (TA)

Transfer Application as provided under Section 22 B of the Consumer Protection Act, 1986-On the application of the complainant or of its own motion, the National Commission  may, at any stage of  the proceeding, in the interest of  justice, transfer any complaint pending before the District Forum of one  State to a District Forum of another State or before one State Commission to another State Commission, can be filed with the Registry of this Commission on all working days (Monday to Friday) between 10:00 A.M. to 4:30 P.M. at Ground  Floor, ‘Upbhokta Nyay Bhawan’, ‘F’ Block, General Pool Office Complex, INA, New Delhi-110 023. Transfer Application must be supported by a Notarised attested affidavit with 1+3 sets + Number of Opposite Parties (with file cover).  The Transfer Application along with all the copies should be paginated and duly indexed in the following seriatim:-

1. Index
2. Memo of Parties (with fresh complete addresses)
3. Transfer Application with Notarised attested affidavit
4. Copy of complaint and appeal filed before forum below (All the Annexures must be attested as True Copy on the last page with name & signature)

Note :

1. The documents shall be filed in English language only or translated copy of any other language, duly typed in double space on one side of the paper. If any supporting documents are not legible the same will not be accepted until clear legible/photo copies are filed.

2. If the documents are not filed as per in the format mentioned above the same will be returned to the parties at the counter itself without acknowledgement and will only be registered after removing the defects.

3. After the issue of notice, any documents in a case, the same has to be served on the other side and 1+3 sets be filed with proof of service. No document will be accepted unless filed two days (working days) in advance from the date of hearing.

4. Henceforth, the review petition/application for recalling of order will be listed before the bench by way of circulation in chambers.

5. The counsel or the parties appearing in person are filing a common petition / appeal against common order passed by the State Commission in a bunch of appeals / complaints. It causes inconvenience to the Hon’ble Benches to decide the independent issues pertaining to each matter, such as award of different amounts to different parties, etc. Hence, the Hon’ble President is pleased to direct the parties / Counsel to file independent or separate appeals/revision petitions, against each appeal/complaint decided by the State Commission in the common order.

6. No. of copies to be filed in the Commission 1+3 sets + Number of Opposite Parties (with File cover).

7. Caveat Application filed in the Commission in Revision Petition and First Appeal has to be filed in 1+3 sets along with proof of service on Opposite Parties and also copy of order of the State Commission.

8. Application for Certified copy of order must be made on Letter Head with signature & Rubber stamp by counsel with a statement that first free certified copy has not been received either by the party-in-person or their counsel.

9. Duplicate certified copy shall be issued on payment basis as per Regulation with a clear endorsement that earlier first free certified copy was sent by post at the address of the party-in-person or to their Counsel / Authorized Representative.

BY ORDER

HON’BLE PRESIDENT

NCDRC

Read more ...

Amazon enters India with Amazon.in | History and Facts | E-commerce battle on rise

What is Amazon.com

Amazon.com, Inc. is an American multinational electronic commerce company with headquarters in Seattle, Washington, United States. It is the world’s largest online retailer. It was started as an online bookstore, but soon started, selling DVDs, CDs, video and MP3 downloads/streaming, software, video games, electronics, apparel, furniture, food, toys, and jewelry. The company also produces consumer electronics—notably the Amazon Kindle e-book reader and the Kindle Fire tablet computer—and is a major provider of cloud computing services. Amazon Kindle is the one of the biggest Gift Ever on Amazon. Today Amazon owns

www,Amazon.in
www.amazon.com
www.amazon.co.uk
www.amazon.de
www.amazon.co.jp
www.amazon.fr
www.amazon.ca
www.amazon.cn
www.amazon.it
www.amazon.es
www.amazon.com.br

Like various other software biggies, Amazon was also started in a garage. Jeff Bezos, the man behind Amazon, started off with business of second hand computers’ shop in his garage. Now, Amazon is Global Company with 12 major retail websites. It is one of the biggest e-commerce site in USA counting around 1/3 of all U.S. e-commerce sales, employing over 33,000 people around the world.

In 1998 IMDB [Internet Movies DataBase] was acquired by Amazon, in about US $300 as per today’s market. Not only this, they also acquired Zappos.com, LOVEFiLM and Woot. Woot was acquired by Amazon on June 30th, 2010, which pioneered the “one deal per day” business model.

READ MORE >>

History of Amazon.com

Amazon.com was called “Cadabra,” like that of “abracadabra.” Founder Jeff Bezos rapidly re-conceptualized the name when his lawyer misheard the word as “cadaver.” Bezos instead named the business after the river reportedly for two reasons. First, to suggest scale “Amazon.com launched with the tagline (Earth’s biggest book store) and secondly, back then website listings were often alphabetical.

Amazon was incorporated in July 1994 with a mission to become Earth’s most customer-centric company where people can find and discover anything they want to buy online. They completed initial public offering in May 1997. Amazon.com Trades on NASDAQ under the ticker symbol AMZN

Facts about Amazon.com

1. Amazon now sells more e-books than printed books.

2. Amazon’s annual revenue counts around $34Billion,, whih is more than GDP of nearabout 100 countries. It is 2 times the GDP of Honduras, 17 times than that of Sierra Leone and 6 times for Rwanda.

3. Amazon.com is No.1 E-commerce site in World, which has its sales 5 times more than Walmart, Target, Buy.com, Websales combined.

4. The amount paid by single user on Amazon amounts $190 which is more than that of eBay.com by $150.

5. Amazon serves 140 million customers per week, daily figure of 20million people.

6. If Amazon were a country, it would be 2 times the size of Canda in terms of unique users.

7. Amazon’s S3 Cloud platform has the cability of storing daily 82 books for every person on Earth.

8. There are around 50,000 pre-orders on Amazon everyday.

9. Amazon’s e-books save around 2 times size of Alaska’s Tongass

National Park Forest, which is largest park in USA.

10. 50 storehouse of Amazon are built in 25million sq.ft. as per 2011 figures.

11. Amazon warehouses have area equal to 10,000 olympiad pools.

12. The first book sold was

Fluid Concepts & Creative Analogies: Computer Models of the Fundamental Mechanisms of Thought

13. Amazon saw losses of $3 billion in its early years. The first profit was reported in the last quarter of 2001 that is six years after launch. The first full-year profit came in 2003.

14. The first logo design consisted of alphabet ‘A’ with abstract river in it. The later was designed in 2000 by Turner Duckworth. The smiley line means the smile and arrow say “

we’re happy to deliver anything, anywhere

15. Amazon once Sold a CD-ROM for $2,904,980,000

AMAZON’s entry in INDIA – Amazon.in

Amazon made India debut with “Junglee.com”. Amazon quietly launched its venture Junglee.com in India, in first quarter of 2013. Junglee.com is called an ‘online shopping service’ where customers can search for products from the online and offline retailers in India, and would have been called an aggregator if it didn’t also sell stuff from Amazon.com.
On june 5, 2013, Amazon, world’s largest online retailer, launched its online marketplace in India, thus tightening the e-commerce business in India. The restrictions on foreign direct investment (FDI) so far prevented Amazon from selling its products directly in the country, but by www.Amazon.in where third parties do the selling, the issue of FDI is solved.
In other words, we can say, The starts of Amazon’s business in India brought an upheavel for Jabong, Flipkart, Snapdeal and Homeshop18. So, we should keep 2 minutes of silence for them ..   :p

Read more ...

Nokia Secret Codes | Get Full List | PDF Download

Nokia Codes

Like every electronic device, Nokia mobiles also have secret codes and hidden features which you don’t know. Today, we will discuss, some codes for Nokia mobile phones, which you can key in standby mode that will display information or make the phone perform certain function. These codes are helpful in revealing some unknown facts about the phone. It also allow to improve the functionality with some customizable features. Here are some of the codes, you can download some of them. Download Nokia secret codes PDF file.

Nokia Secret Codes

On the main screen type

1. *#06# checking the IMEI (Int’l Mobile Equipment Identity)

2. *#7780# reset to factory settings.

3. *#67705646# It will clear the LCD display(operator logo)

4. *#0000# To view software version. Try *#9999# Phones software version if *#0000# does not work.

5. *#2820# Bluetooth device address.

6. *#746025625# Sim clock allowed status.

7. *#62209526# – Display the MAC address of the WLAN adapter. Available only in the newer devices that supports WLAN like N80

8. #pw+1234567890+1# Shows if sim have restrictions.

9. *#92702689# – takes you to a secret menu where you may find some of the information below:
- Displays Serial Number.
- Displays the Month and Year of Manufacture
- Displays (if there) the date where the phone was purchased (MMYY)
- Displays the date of the last repair – if found (0000)
- Shows life timer of phone (time passes since last start)

10. *#3370# – Enhanced Full Rate Codec (EFR) activation. Increase signal strength, better signal reception. It also help if u want to use GPRS and the service is not responding or too slow. Phone battery will drain faster though.

11. *#3370* – (EFR) deactivation. Phone will automatically restart. Increase battery life by 30% because phone receives less signal from network.

12. *#4720# – Half Rate Codec activation.

13. *#4720* – Half Rate Codec deactivation. The phone will automatically restart

14. If you forgot wallet code for Nokia S60 phone, use this code reset: *#7370925538# . Note, your data in the wallet will be erased. Phone will ask you the lock code. Default lock code is: 12345

15. Press *#3925538# to delete the contents & code of wallet

16. *#7328748263373738# resets security code. Default security code is 12345

17. Unlock service provider: Insert sim, turn phone on and press vol up(arrow keys) for 3 seconds, should say pin code. Press C,then press * message should flash, press * again and 04*pin*pin*pin#

18. Change closed caller group (settings >security settings>user groups) to 00000 and your phone will sound the message tone when you are near a radar speed trap. Setting it to 500 will cause your phone 2 set off security alarms at shop exits, gr8 for practical jokes! (works with some of the Nokia phones.)

19. Press & hold “0″ on the main screen to open wap browser.

>> Use the * (star) button to obtain the “p,w” and “+” symbols

20. #pw+1234567890+­1# Provider Lock Status.

21. #pw+1234567890+­2# Network Lock Status.

22. #pw+1234567890+­3# Country Lock Status.

23. #pw+1234567890+­4# SIM Card Lock Status.

24. *#147# This lets you know who called you last (Only vodofone

25. *#1471# Last call (Only vodofone)

26. *#21# This phone code allows you to check the number that “All Calls” are diverted to.

27. *#2640# Displays phone security code in use

28. *#30# Lets you see the private number

29. *#43# Allows you to check the “Call Waiting” status of your cell phone.

30. *#61# Allows you to check the number that “On No Reply” calls are diverted to

31. *#62# Allows you to check the number that “Divert If Unreachable (no service)” calls are diverted to

32. *#67# Allows you to check the number that “On Busy Calls” are diverted to

33. *#67705646# Phone code that removes operator logo on 3310 & 3330

34. *#73# Reset phone timers and game scores

35. *#746025625# Displays the SIM Clock status, if your phone supports this power saving feature “SIM Clock Stop Allowed”, it means you will get the best standby time possible

36. *#7760# Manufactures code

37. *#8110# Software version for the nokia 8110

38. *#9487034512345­6789# Deactivate the PWM-Mem

39. **21*number# Turn on “All Calls” diverting to the phone number entered

40. **61*number# Turn on “No Reply” diverting to the phone number entered

41. **67*number# Turn on “On Busy” diverting to the phone number entered

42. 12345 This is the default security code, press and hold # Lets you switch between lines

How to Download Youtube Videos on your Nokia Phone

Now, download youtube videos in S40, S60 & PC. We tell you how to download it without using third party softwares. Follow these steps

1. Go to  YOUTUBE

2. Search and click on your favourite video that you want to download

3. Now you will be send to “watch video”page.

4. Here just put “ss”(without quotes) before “Y” eg: ssyoutube.com/etc.

5. It you will send you to savefrom.net there u can download u are video in your desired format.

Nokia phones service codes

1. *#war0anty# – SIMLOCK info

2. *3370# – Enhanced Full Rate ON

3. #3370# – OFF

4. *4720# – alternative sound quality codec ON

5. #4720# – OFF

6. *#7760# – production serial no.

7. *#2820# – Bluetooth info.

8. *#73# – reset phone timers and game scores.

9. *#7370925538# – delete all the content of the wallet and the wallet code.

10. *#7370# – soft format. It erases all telephone memory.

11. [Green]*3 – hard format, only the telephone memory is formatted, puts back the attitudes and reboots

12. *#delset# – MMS/GPRS settings removal

NOTE: code depends on phone model

The Operating Systems

Symb OS v6.1
Nokia 7650
Nokia 3650
Nokia 3660
Nokia N-Gage
Nokia N-Gage QD
Siemens SX-1
Sendo X

Symb OS v7.0
Nokia 3230
Nokia 6620
Nokia 6260
Nokia 6670
Nokia 7610
Panasonic X700
Panasonic X800

Symb OS v8.0
Nokia 6630
Nokia 6680
Nokia 6681
Symb OS v8.1
Nokia N70
Nokia N90

Symb OS v9.1
Nokia N91
Nokia 3250
Nokia E60
Nokia E61
Nokia E70
Nokia N71
Nokia N80
Nokia N92

Read more ...

What is Consumer Protection Act in India

The Consumer Protection Act, 1986 (in short, ‘the Act’),lays down the rights of the consumers and provides their for promotion and protection of the rights of the consumers.The first and the only Act of its kind in India, it has enabled ordinary consumers to secure less expensive and often speedy redressal of their grievances.

The Central Council is headed by Minster, In-charge of the Department of Consumer Affairs in the Central Government and the State Councils by the Minister In-charge of the Consumer Affairs in the State Governments. It also provides for a 3-tier structure of the National and State Commissions and District Forums for speedy resolution of consumer disputes.

To provide inexpensive, speedy and summary redressal of consumer disputes, quasi-judicial bodies have been set up in each District and State and at the National level, called the District Forums, the State Consumer Disputes Redressal Commissions and the National Consumer Disputes Redressal Commission respectively. At present, there are 629 District Forums and 35 State Commissions with the National Consumer Disputes Redressal Commission (NCDRC).

DOWNLOAD STATE CONSUMER COURTS ADDRESSES LIST

The provisions of this Act cover ‘goods’ as well as ‘services’. The goods are those which are manufactured or produced and sold to consumers through wholesalers and retailers. The services are in the nature of transport, telephone, electricity, housing, banking, insurance, medical treatment, etc.

A written complaint, can be filed before the District Consumer Forum for pecuniary value of upto Rupees twenty lakh, State Commission for value upto Rupees one crore and the National Commission for value above Rupees one crore, in respect of defects in goods and or deficiency in service. The service can be of any description and the illustrations given above are only indicative. However, no complaint can be filed for alleged deficiency in any service that is rendered free of charge or under a contract of personal service.

The remedy under the Consumer Protection Act is an alternative in addition to that already available to the aggrieved persons/consumers by way of civil suit. In the complaint/appeal/petition submitted under the Act, a consumer is not required to pay any court fees but only a nominal fee.

If a consumer is not satisfied by the decision of a District Forum, he can appeal to the State Commission. Against the order of the State Commission a consumer can come to the National Commission.

DOWNLOAD DISTRICT CONSUMER COURTS ADDRESSES LIST

Read more ...

Convert Web Page to PDF using Google Chrome & Mozilla | Demonstration

What is PDF ?

Portable Document Format (PDF) is a file format used to represent documents in a manner independent of application software, hardware, and operating systems. The file carries the extension .pdf . Each PDF file encapsulates a complete description of a fixed-layout flat document, including the text, fonts, graphics, and other information needed to display it. In 1991, Adobe Systems co-founder John Warnock outlined a system called “Camelot” that evolved into PDF.
READ MORE >>

Why do we need PDF files ?

We have number of reasons to use PDF files. Today, we will discuss why there is need to have pdf files and conversion of web page to pdf. Some important factors are:

1. You might not be connected to the Internet all day out, so if you need the some frequent information, it will be difficult to access it.
2. Searching for an item consumes lots of time on an internet but on a local computer you can easily pick up the file needed.
3. The biggest problem is that there is no guarantee that the website will forever be there for you although you have bookmarks saved there on your browser. It could be available today but what about some other day.
4. You can easily transfer your files through USBs or Memory Cards.
5. It allows files to get easily printed than any other format.
6. The biggest advantage is that you can use this PDF file in Windows, MAC, Linux or any OS that supportsGoogle Chrome browser.

Save HTML page or Web page to PDF Using CHROME

1. Open the webpage you require, click on right top corner wrench button (Settings).

2. Select print from the menu item. This will guide you the print menu screen.

3. The default selection would be your printer. Here, click on Change button to select a different one.

4. Select Save as PDF from the Local Destination.

5. Now, make sure your destination changed to Save as PDF, click on Save button.

6. Provide the location to save the webpage. You are done.

7. Now, you go to the location where you saved and check your PDF file.

Some Important ADD-ONs for PDF Conversion in Mozilla Firefox and Chrome

Click the Add-on names itself to install them on your Computer or Laptop. These are very helpful in convertingHTML or web page to PDF file. An important add-on for web page to pdf conversion. It uses Pdfcrowd html to pdf online service.Add-on : Click Here

1. Save As PDF - This extension works using the default settings. It is free, so need not to create an account to use it. If you are a power user and want to customize your PDFs beyond the defaults you might consider enabling premium features. It is a product of http://pdfcrowd.com . So, it only converts pages where no login is required, for the sake of privacy of user.

2. Send to Google Docs - It allows you to upload a PDF version of the current page to your Google Docs)

3. HTML to PDF - Single click Conversion

4. Web2PDFConverter

5. PDFmyURL

6. BOOKMARKLET – It will provide your Chrome browser with a bookmark Save Page as PDF. Now, Just Drag your Webpage here. It will convert your web page to PDF file.

We have number of fast and reliable sites where different file formats are converted into other formats. Some of these are : 

Convert DOC or DOCX or web page to PDF Online

1. http://www.freepdfconvert.com

2. http://www.pdfonline.com/

3. http://www.pdftoword.com/

4. http://www.pdfforge.org/download

5. http://www.dopdf.com/

6. http://www.investintech.com/

How To Convert Web Page to PDF with Integrated Link to URL

Read more ...

Banana a day keeps the doctor away ? Nutritional Facts | Medicinal Properties

Banana as a fruit

A banana is an edible fruit produced by several kinds of large herbaceous flowering plants of the genus Musa. The fruit is variable in size, color and firmness, but is usually elongated and curved, with soft flesh rich in starch covered with a rind which may be yellow, purple or red when ripe. The fruits grow in clusters hanging from the top of the plant. Almost all modern edible parthenocarpic (seedless) bananas come from two wild species – Musa acuminata and Musa balbisiana. The scientific names of most cultivated bananas are Musa acuminata, Musa balbisiana, and Musa × paradisiaca for the hybrid Musa acuminata × M. balbisiana, depending on their genomic constitution. The old scientific name Musa sapientum is no longer used.
READ MORE >>

Nutritional Facts

1. Bananas contain three natural sugars – sucrose, fructose and glucose combined with fiber. It gives an instant, sustained and substantial boost of energy. It help overcome depression due high levels of tryptophan, which is converted into serotonin — the happy-mood brain neurotransmitte­r.

2. Research has proven that just two bananas provide enough energy for a strenuous 90-minute workout. No wonder that it is the number one fruit with the world’s leading athletes. Eating two bananas before a strenuous workout can pack an energy punch and sustain your blood sugar.

3. It help protect you against muscle cramps during workouts and night time leg cramps.

4. It regulate blood sugar and relieve stress, which improves your mood and reduces PMS symptoms.

5. IT are high in vitamin B-6 which helps reduce swelling, protect against type 2 diabetes, aid weight loss, strengthen the nervous system, and assist in the production of white blood cells.

6. These are full of iron, which helps strengthen your blood and relieve anemia.

7. The FDA officially recognizes it as being able to lower blood pressure and protect against heart attack and stroke.

8. It aid digestion and help the body get rid of toxins and heavy metals.

9. It stimulate the growth of healthy bacteria in the bowel as well as assist in absorbing nutrients.

10. Eating bananas helps prevent kidney cancer, protects the eyes against mascular degeneration, and builds strong bones by increasing calcium absorption.

Banana Medicinal Properties

1. DEPRESSION : According to a recent survey undertaken by MIND amongst people suffering from depression, many felt much better after eating a banana. This is because bananas contain tryptophan, a type of protein that the body converts into serotonin, known to make you relax, improve your mood and generally make you feel happier.
2. PMS : Forget the pills – eat a banana. The vitamin B6 it contains regulates blood glucose levels, which can affect your mood.
3. ANEMIA : High in iron, it can stimulate the production of hemoglobin in the blood and so helps in cases of anemia.
4. TEMPERATURE CONTROL : Many other cultures see it as a ‘cooling’ fruit that can lower both the physical and emotional temperature of expectant mothers. In Thailand , for example, pregnant women eat bananas to ensure their baby is born with a cool temperature.

Banana Storing Tips

Never, put bananas in the refrigerator as it releases certain gases, which tends to ripen it fastly. Bananas ripen themselves by producing ethylene gas. Tomatoes, apples, pears and bananas all produce ethylene gas. Due to the polyphenyl oxidase enzyme in bananas polymerizing phenols in the banana peel turns into polyphenols.
If you put an apple or tomato in a bag with bananas, that will speed the ripening. Because bananas produce it, you can place the bananas in a bag to trap the gas and ripen them faster.
It is better to store bananas outside the refrigerator to prevent instant ripening.

BANANA TRIVIA

When you compare it to an Apple, it has FOUR TIMES the Protein, TWICE the Carbohydrate, THREE TIMES the Phosphorus, FIVE times the Vitamin A and Iron, and TWICE the other Vitamins and Minerals. It is also rich in Potassium and is one of the best value foods around So may be its time to change that well-known phrase so that we say,
‘A BANANA a day keeps the doctor away !’
Bananas must be the reason monkeys are so happy  all the time.  

Read more ...