आदतें और अपेक्षाएं 

बचपन से ही अनेक बातों पे माँ की डांट खाता रहा हूँ। उनका पसंदीदा विषय था मेरा समय पर स्नान करना, जो की मैं कभी नहीं करता था आज अपने ऊपर ही हंसी आती है की कभी कभी माँ को परेशान करने के लिए ही नहीं नहाता था। मेरा एक विचार है कि मनुष्य की  ९९ % परेशानियों का कारण है व्यक्ति विशेष की आदतें और उसकी अपेक्षाएं। अनेक मिलते जुलते शब्द हैं। शुरुआत करते हैं आदत और नियम से.

आदत या नियम 
एक नियम आपको अनुशाषित करता है. एक आदत प्रकृति द्वारा आपको बाँधने का जरिया होता है. नियम कब आदत बन जाता है शायद पता ही नहीं चलता है. अपने अग्रजों को मैंने अपना जीवन नियमानुसार व्यतीत करते देखा है. उनका सूर्य से पहले उठना, स्नान करना, ध्यान करना, सात्विक भोजन, शारीरिक परिश्रम सभी कुछ नियमानुसार। लेकिन मेरे अनुसार ये नियम कब उनकी आदत बन गए शायद उन्हें भी पता नहीं चला। एक दिन अगर किसी भी कारण से स्नान नहीं किया तो पूरा दिन खराब हो जाएगा। मेरे विचार से नियम को आदत बनने से पहले तोडना आवश्यक है. अपने विचार से, अपने मन से एक दिन मत स्नान करें और देखें की कैसे आपका शरीर और मन इसे अपनाता है। अपने दैनिक कर्मों में से कोई दो ऐसे कार्यों को चुनिए जिनका आपस में कोई सम्बन्ध नहीं हो। ऐसा काम जिसको बिना किये आपके किसी दूसरे कार्य पर फर्क पड़ता है तो वो कार्य  आपकी आदत बन चुका है। हम अपने मन में दोनों कार्यों के बीच में सम्बन्ध बनाते रहते हैं और फिर सारा दोष आदत को जाता है
अपने एक परम मित्र से इसी विषय पर चर्चा हो रही थी। भाई के अनुसार किसी भी लक्ष्य को पाने के लिए नियम आवश्यक हैं। मैं भी पूरी तरह सहमत हूँ इस बात से। लेकिन एक बार आपने अपना लक्ष्य पा लिया उसके बाद उन नियमों का क्या जो अब आपकी आदत बन चुके हैं। यह विचार उस समय निरर्थक हो जाता है यदि आपको अपने जीवन का लक्ष्य पता है। आपको पता है की जीवन पर्यन्त आपको उसी एक लक्ष्य के पीछे एकाग्र होना है।

Low salary: increase take-home
Few days back one of my close friend joined a new company. Normally i don't like to discuss the salaries. But, this times some how this conversation came in our way. With in that conversation i have realized that he got a hike in percentages. He was always comparing the salaries. In my opinion comparing figures in finance might not be a very good idea. So i did some google to dig up some facts about the salary breakup & here is the essence. Your views are welcome. If you have some different opinion or suggestions I would be highly obliged to know them. Again, reading is completely voluntary.

Every year any working guy waits for this season. In information industry it is called hike season. But all the industries are some how driven by finance. Here you happily receive a hike letter telling you that you have got 20 per cent increase in salary. But at a later point of time you realize that your take home is increased by 10 per cent or less. This scenario is applicable to both for new joiners as well as any existing employee receiving hike.

'Cost to company' is the factor that drives your increment in employer's mind. You would be more concerned with the take-home pay. Besides immediate liquidity (the money you have at any point of time to spend), it also affects your eligibility of loan to a great extent i.e. when you apply for home loan or car loan. Bank calculates your eligibility on the basis of your take-home instead of CTC. So we must know a bit more about all important of our 'salary structure'.

As we all know that basic component of our salary are basic pay, dearness allowance and some more benefits which are partially or fully tax exempted under head salary.

Further, there are retirement benefit contributions like provident fund in which both employee and employer contribute and the superannuation fund(the fund that we invest for our retirement). Earlier, this contribution was taxable as fringe benefit tax(any other money employer pays for your benefits e.g. gifts, food coupons etc.), but now a contribution up to Rs 100,000 into a superannuation fund is not taxable under FBT.

In the last union budget finance minister has increased the limit of basic exemption from 100000 to 110000. But for the highly payed salaried employees they have increased the education tax from 1 per cent to 3 per cent. Further for the income above 10 lacs now we have extra surcharge of 10 per cent of income tax.

Let us take four salary slabs and how one can increase the tax benefits. But before that, Let us take a simple example of take-home salary calculation. For this, from the gross package one has to deduct professional tax, income tax, medical claim premium, investment in tax saving instruments and provident fund contribution from the total salary (See Tax Burden).

Tax burden:

Scenario:	I	II	III	IV
Total salary (Rs)	500,000	10,00,000	15,00,000	20,00,000
Professional tax (Rs)	2,500	2,500	2,500	2,500
Mediclaim premium (Rs)	15,000	15,000	15,000	15,000
Investment U/S 80C (Rs)	100,000	100,000	100,000	100,000
Income tax (Rs)	20,703	179,375	380,722	550,332
PF contribution exceeding Rs 100,000	-	-	5,600	56,000
Take home pay after tax and investment (Rs)	361,797	703,125	996,178	12,76,168
% of actual salary	72.36	70.31	66.41	63.80

Here I assume that for investment under section 80C, the employee will take into account his provident fund contribution. He will invest in tax saving instruments over and above this contribution, if necessary. Therefore, in the case of salaries over Rs 15 lakh (Rs 1.5 million) (scenarios III and IV), the employee does not have to make any other investment. The employee has contributed more than 100,000 in provident fund, so for calculation of take-home pay, I have deduct this contribution, which is in excess of Rs 100,000.

Rs 5-10 lakh bracket

You can make the following changes:

• Ask for telephone reimbursement instead of telephone allowance. The former is fully tax exempt, the latter fully taxable.
• Send your children to employer-owned educational institution as you can get a tax benefit of Rs 1000 per month instead of Rs 100 that you would get otherwise.
• Go for paid vouchers or coupons instead of a lunch allowance, as it is fully taxable. The former is-tax free up to an amount of Rs 50 per day.
• Opting to provide bills of travel from home to office and vice versa, which are completely tax exempt instead of going for transport allowance which limits your tax exemption to Rs 800 per month.

Rs 15 lakh

Besides the above, you can also add:

• A free car facility over conveyance allowance
• Servant allowance, if being used for official purposes

Rs 20 lakh

• Besides the above, you can add:
• Free bungalow/apartment (taxed only at 10 per cent of fair rent paid for such accommodation)

These are a few measures that you can take to increase your take-home salary.

Call me Nd:

"What's in a name? That which we call a rose By any other word would smell as sweet." - Shakespeare
Not agree with him completely. Friends have given me so many different names. Each name has it’s own history. List of name starts with a palindrome. i.e. "Nitin" a name, my parents liked for me. Later on my friends decided to call me with different names like Nd, Uncle. In a nutshell if you are not part of history of any name, Call me Nitin. Although I love to be called Nd which is short form of my full name.

I love to think mostly about myself. but writing about myself looks more difficult to me. I'll try my best to write about me without boring you. But there is always a freedom of choice. Reading is voluntary.

Quick Info:
so many dreams unaccomplished. so many desires still running with my blood.

I got so many hobbies during memorable days of my life. Whistling, Singing, writing. so many, blogger wouldn't have sufficient space to describe them all.

Accomplishment:
I am happy with my life so fa. Always better than an average student. good job. sufficient salary for needs of my family. trusty friends, supporting family. Latest accomplishment, i have got a beautiful young lady as my life partner.

About:
over all i find myself a person who tries to enjoy the life at it's best. Want to see every color of life. believe in one thing "A person thinks exactly same about u as u are thinking about him". so treat every one around with the similar treatment what u want for yourself.