Six ways to help you save tax next time you pay it

Six ways to help you save tax next time you pay it Faulty investment strategies and poor knowledge of rules could result in a higher tax outgo. Find out how to avoid it. Is your debt fund taking too much risk? Here's what to do Some short-term debt funds have sharply increased their exposure to risky, lower rated bonds in recent months, while reducing the same to safer AAA-rated bonds. 5 points to consider after a bank merger If you are a borrower, the lender has a contractual obligation to honour the terms of your loan.Long duration loans could see altered interest rates. Taking a housing loan: Should one opt for home loan insurance? Home loan insurance is generally offered for the tenure of the loan. It covers the amount owed to the lender at the time of the borrower's death. Seven health insurance myths shattered People don't buy health plans readily possibly due to several misconceptions about them, as is evident from a survey by ICICI Lombard. Quote of the week "The view on India from outside the country has definitely turned around and represents a new level of optimism towards the economy." Anshu Jain,Co-CEO, Deutsche AG Family Finances Savvy investing, high saving will help Bhatias to meet goals The Bhatias have planned their finances well and can look forward to a smooth sailing with a reallocation of their existing resources. Financial Planning Six reasons why mutual funds are unpopular among investors Despite being cheap, diversified and professionally managed, mutual funds are not the product of choice for most investors. Money-making venture Retail technology venture Shopsense enhances shopping experience via touchscreens in stores Mumbai-based Shopsense offers the ease of online shopping in stores. It installs large touchscreens connected with the store's inventory. Entrepreneurs MustSeeIndia stands out among online travel agencies with its customised end-to-end holiday packages They decided to stand out from the crowd by making the booking process short and easy. The strategy worked and their portal, Must-SeeIndia, is a Rs 10 crore venture today. Financial Calculators Plan your car Car cart! Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. Home Loan Refinance Should you refinance your home loan? Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate. More Calculators Why you should get ready for a cut in group health benefits The corporate covers are inadequate. Experts have always recommended purchasing independent covers, irrespective of a group health policy. How to buy property auctioned by a bank in 8 easy steps If you win, deposit 25 per cent of the bid amount, including EMD, within 24 hours. The rest has to be given within the time limit. How to gain from PSU divestments The Finance Minister has hinted at bringing down the govt stake in PSU banks to 52 %. The intention is clear. There will be plenty of action soon. Should you purchase a foreclosed property? The bank that forecloses a property sets a 'reserve price' while auctioning it. This is based on the price at which the property was bought. Why you should continue to invest in global funds The Indian market may be outperforming this year, but it will not do so every year. By being internationally diversified, you can protect your portfolio. Daily Newsletter Special stories that round up the major developments of the day Markets Watch Round up of stock, currency, bond, money and real estate market IPO Watch Gives you the latest IPO/FPO related news Live-Market News Portfolio Mobile Live TV Newsletter Commodities Speed Blogs Alerts Follow Us on ET: About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2014 Times Internet Limited. To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here To unsubscribe or edit your subscriptions please click here

News Digest: PM Modi not above criticism, says BJP ally PMK

		THE TIMES OF INDIA
		Tuesday, December 02, 2014
		Today's Headlines

		India
		PM Modi not above criticism, says BJP ally PMK PMK founder S Ramadoss on Monday added to the deepening rifts within the NDA by saying that Prime Minister Narendra Modi was not above criticism. With its own allies launching an anti-Modi campaign, the BJP in Tamil Nadu faces a challenge in leading a front in the 2016 assembly polls. Maoists call for 10-day celebration to mark People's Liberation Guerrilla Army anniversary The banned CPI (Maoist) has called for a 10-day ‘celebration’ to mark the 14th anniversary of the People’s Liberation Guerrilla Army (PLGA). We'll have to lift veil and see: SC to Srinivasan The Supreme Court on Monday asked cricket board president N Srinivasan to prove that there was no conflict of interest despite him wearing multiple hats as BCCI chief, managing director of India Cements which owned Chennai Super Kings and as chairman of IPL governing council. More India News»

		Business
		Crude price at 5-yr low, rates of non-cap LPG, ATF slashed Price of non-subsidized cooking gas cylinder slashed by Rs 113 Manufacturing finally gives reason to cheer Core sector growth at 4 month high, car sales recover, factory activity hits 2-year peak Mallya ousted as MCF chairman Beleaguered UB Group boss Vijay Mallya suffered twin blows after he was forced to quit as chairman of Mangalore Chemicals & Fertilizers even as the ministry of corporate affairs, in a rare move, rejected his reappointment as managing director of the grounded Kingfisher Airlines. More Business News»

		Environment
		By 2100, polar bears to be on brink of starvation Polar bears may face starvation and reproductive failure by the year 2100 due to heavy loss of Arctic sea ice, a new study has warned. UN climate talks open in Lima A new round of UN climate talks opened in Lima on Monday, aimed at paving the way to a historic deal in Paris in December 2015 to roll back greenhouse-gas emissions. Nasa to study climate change from the sky Starting 2015, Nasa will send five new airborne field campaigns to the skies to investigate how long-range air pollution, warming ocean waters and fires in Africa affect our climate. More Environment News»

		World
		Obama: Don't want 'militarized' police culture President Barack Obama asked federal agencies on Monday for concrete recommendations to ensure the US isn't building a "militarized culture" within police departments, as he promoted the use of body cameras by police in the wake of the shooting of an unarmed black teen in Ferguson, Missouri. German woman killed trying to help harassed girls Germany’s president on Monday faced a growing 1,000,000-strong chorus of demands to grant a posthumous bravery award to Tugce Albayrak. Extremists kill at least 7 in Nigeria attacks The attacks were the latest in a week of violence linked to Islamic militants that has killed more than 170 people in northern Nigeria. More World News»

		Entertainment
		Kushal reacts to Gauahar Khan slap incident Actress Gauahar Khan is shaken up after a guy from the audience went up to the stage and slapped her during the finale shoot of TV show 'India’s Raw Star' at Filmcity Gauahar slapped: Entertainment industry outraged The entertainment industry is outraged after Gauahar Khan was slapped on set by a man who didn’t approve of what she was doing because she is a ‘Muslim’. Bollywood's Top 10 must watch deleted scenes Action packed film ‘Dhoom 2’ was a super hit film with some of the most memorable scenes but there were a few which had to be left out while editing. More Entertainment News»

		Science
		India to put 48 transponders in space on Friday The GSAT-16 will be launched aboard the French Ariane-5 rocket from French Guiana around 2.08am IST. Drones to cleans air of pollution A group of designers aim to develop ‘parasitic’ drones that perch on neon billboards in Hong Kong and suck up pollution to produce fuel and grow plants. Russian scientists plan project to detect space threats Russian scientists plan to create a space observatory which can spot asteroids measuring over 50 metres at a distance of one astronomical unit and other space objects a decametre in size, similar to the Chelyabinsk meteorite, in the near Earth orbits. More Science News»

		Sports
		ISL: FC Goa drub NorthEast United 3-0, jump to 2nd spot FC Goa registered their third win on the trot at home as they drubbed NorthEast United FC 3-0 to jump to second place in the ISL at Jawaharlal Nehru Stadium. Ronaldo, Messi and Neuer up for Ballon d'Or Cristiano Ronaldo will be challenging Lionel Messi and Manuel Neuer to retain the Ballon d'Or. Ronaldo won the 2013 honor to end Messi's three-year run. 'India have a strong chance to win Champions Trophy' Australian hockey skipper Eddie Ockenden said that India can win the Champions Trophy starting December 6, if the Sardar Singh-led team continues to play like it did in the Asian Games and the recent Australian tour. More Sports News»

		Technology
		'Samsung to launch Tizen smartphone in India on Dec 10' Samsung plans to launch a new sub-$100 smartphone running on its own Tizen operating system in India. Steve Jobs is star witness in Apple suit Three years after his death, Steve Jobs is very much a presence in courtrooms across United States. Mid-sized IT firms on the prowl for tech startups Companies such as Persistent Systems, Zensar, Gozoop and Geometricare are working with and acquiring product startups. More Technology News»

		Education
		Book in Hindi on internal security for UPSC aspirants The Hindi version of a first-of-its -kind book to help UPSC aspirants in better understanding topics related to internal security was released today. Indian MOOC for a global platform US-based educational technology company Coursera, which offers massive open online courses (MOOCs) from various universities, has partnered with an Indian B-school. Q&A - 'Small companies to create jobs' Damien English, minister of state for education, skills and innovation, Ireland, on the highlights of his recent visit to India More Education News»

		Mumbai
		Investigators to probe local contacts, fifth youth A fifth youth was recruited from Kalyan by ISIS but he opted out at the last moment, Arif Majeed has reportedly told investigators. ACB to probe corruption plaint against top police officials A special ACB court on Monday asked the ACB to look into allegations of corruption made by a retired cop against top police officials. Catholics mark pope's 1964 visit On Monday evening, a three-hour celebration was held at St John the Evangelist Church in Marol, Andheri. More Mumbai News»

		Delhi
		Anatomy of a chamchaguru Chamchas in India come in all shapes, sizes, colours and personalities. Meet the Sycophantosaurus You see, sycophancy or toadying up to the boss is a highly functional option to hard work and industry because bosses love it. Woman cop's molest FIR to stay The Delhi high court on Monday refused to heed a woman constable’s request that an FIR lodged against her alleged molesters be quashed, pointing out that if policewomen in the city aren’t safe, one can imagine the condition of women in general. More Delhi News»

		Bangalore
		India to put 48 transponders in space on Friday The GSAT-16 will be launched aboard the French Ariane-5 rocket from French Guiana around 2.08am IST. AAP's state unit develops mobile app to raise funds Over 6K English-medium schools were set up during 20-year ban More Bangalore News»

		Hyderabad
		Car headlights come to sports day rescue Power played spoilsport at a primary school’s sports day celebrations after the GHMC grounds in Masab Tank where it was being held suddenly plunged into darkness. HC seeks Centre's response on Mustafa killing Rabbani said Mustafa had clearly told the authorities in his dying declaration that two army personnel had set him ablaze. Moving with times, Jamia Nizamia to embrace English For the first time in its 140-year history, Jamia Nizamia, one of the most important Islamic seminaries in South India will include English language as a part of its curriculum. More Hyderabad News»

		Chennai
		More companies flock to IIT-Madras on Day 1, but with slimmer packs Service Now, Epic Systems, Microsoft, Oracle India, Google, Visa Inc and Cisco Systems were the international hirers in the 'graveyard' session. Chennai couple commit suicide over son's failed marriage Their 26-year-old son, who also consumed poison with them, survived suicide attempt. Development projects are not traffic signals to switch on and off, HC tells Chennai Traffic Police Traffic police cannot switch on and switch off development projects, as they do with traffic signals, said Madras high court on Monday, pulling up the Chennai Traffic Police for having red-flagged a premium apartment project in the city. More Chennai News»

		Ahmedabad
		Now, docs in state can register online with GMC The facility for online registration was inaugurated on Monday. Mahuva farmers' plea for tribunal revamp rejected Rejects plea for recusal of 2 expert members from bench US docs sprinkle haldi on cancer cure Consumption of 10 gm turmeric a day for ten weeks reduces tumour size in patient More Ahmedabad News»

		Allahabad
		Allahabad artists go online to sell their painting Confident brush strokes, bright colors, a creative theme and days of hard work, that's what it takes to make a good painting. Schools overlook District inspector of school's order, caught on backfoot The district inspector of schools (DIOS) had asked all schools to get closed circuit television cameras (CCTV) and biometric systems on campus. 5 involved in Rs1.60 cr loot nabbed Five members of an inter-district gang of robbers were arrested near a dhaba on Allahabad-Lucknow highway on saturday night. More Allahabad News»

		Bhubaneswar
		Midday meal mishaps in state ring alarm bells Despite the state government putting in place several measures to ensure proper food to school children under the midday meal (MDM) scheme, frequent incidents of kids falling sick has raised alarm. Lady teacher booked for slapping kid Lady teacher Puspa Bista of a public school charged for slapping a Class I student. Brick kilns on river beds raise erosion concern 23 brick kilns found operating near Khurda and Puri district, raising concern within state government which wants them banned. More Bhubaneswar News»

		Bhopal
		MP implements digital life certificates for pensioners The Shivraj Singh Chouhan government on Monday decided to implement the Jeevan Pramaan or the aadhar card based digital life certificate launched by Prime Minister Narendra Modi on November 10 for payment of pensions in the state. 90-year-old woman attacked and raped in Madhya Pradesh Four years after sexual assault on a 108-year-old woman in Jabalpur district of Madhya Pradesh and her subsequent death, a 90-year-old woman was raped by her neighbour in the same region on Sunday night. Robbery bid at Betwa Apartments, elderly couple stabbed Two masked robbers rang the doorbell of a flat of an elderly couple at Betwa Apartments in New Market on Sunday morning. More Bhopal News»

		Chandigarh
		St Soldier school bagged champions Trophy at Athletics meet organised by DPS The competition witnessed nearly 400 athletes from 12 schools of the city, competing with each other with full enthusiasm. Vajra Corps to hold ex-servicemen rally at Amritsar An Ex-Servicemen rally will be organized by Panther Division under the aegis of Vajra Corps (Defenders of Punjab) at New Amritsar Military Station on December 7th, informed army spokesperson Naresh Vig on Monday. Missionary schools upload admission notice on their websites While St John's will admit children born from April 2009 to March 2010 in upper kindergarten, the rest three schools will admit to lower KG kids born from April 2010 to March 2011. More Chandigarh News»

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Secrets of Left-hand Tantra

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IndiaDivine.org:

Secrets of Left-hand Tantra

Background Information:

These stories are biographical narrations by the author, written down around 20 years ago. This was originally meant to be published as a book, but after completing the first eight chapters, the author chose not to continue, and thus we are left with the stories in their present incomplete form. Most of these stories took place around 1970. The areas discussed in these stories have changed greatly in the last 40 years and may not match what we see today. All of these stories are factual. There is no plan to ever publish this book, so if you want to know more, or if you want to know about other events that occurred, you would have to meet the author personally.

Chapter Two:

When we met again, the tantra master was much more forthcoming. I was greeted with a warm embrace and invited to relax under the banyan tree. I sensed that I now belonged. In an awed voice I asked him, "What was it that I saw?"

He chuckled at my neophyte's excitement. "So, you were impressed?" I nodded. "You saw Mohini, a demoness from the underworld. Had you known how, you could have entered a pact with her for the next cycle of Jupiter (twelve years). You promise to satisfy her lust once a month, and she will do your bidding in return - protect your property, destroy your enemies, whatever.

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