How to convert PDF to Word for free

Introduction: Importance of PDF and Word Nowadays we use PDF files a lot for our daily work, studies or office. PDF is a format that looks the same on every device, but it is difficult to make changes in it. On the other hand, in a Word file, you can easily edit the text, change the formatting and prepare it according to your needs. Many times we need to convert PDF to Word, and the good thing is that you do not need to spend money for this. In this blog, we will tell you easy ways to convert PDF to Word for free. We will explain it in simple Hindi so that everyone can understand it. Why convert PDF to Word? Converting a PDF file to Word arises when you need to edit something in it, like changing the text, adding or deleting something. It is not easy to edit a PDF directly, but this task becomes very simple in Word. Whether you need to fill a form, prepare a project or convert a document, the Word format makes it easy. Now the question is how to do it for free? There are several w...
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How to save maximum tax? These are smart tips!

save maximum tax

Saving tax is every taxpayer's priority, and it requires adopting the right strategy. There are many provisions under the Income Tax Act, 1961 that you can use to reduce your tax burden. First, it is important to understand your total income and various investment options. Once you understand your taxable income, you can plan your savings accordingly. The most popular way to save tax is to take advantage of Section 80C. Under this section, you can avail deductions up to Rs 1.5 lakh. This includes PPF, EPF, life insurance premium, tax saving FD, NSC and other investments. If you invest in these options, your taxable income reduces and you can save tax.

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Health insurance is also a great way to save tax. Under Section 80D of the Income Tax Act, you can save tax by paying health insurance premiums for yourself, your spouse, children and parents. The deduction is up to Rs 25,000 for parents below 60 years of age and Rs 50,000 for parents above 60 years of age. In this way, by buying health insurance, you not only protect your family but also save tax.

Home loans are also very helpful in saving tax. If you have taken a home loan, you can get a deduction of up to Rs 1.5 lakh on the principal under Section 80C and up to Rs 2 lakh on the interest payment under Section 24B. This reduces your taxable income and saves tax. Apart from this, if you are buying a house for the first time, you can also avail an additional deduction of Rs 1.5 lakh under Section 80EEA.

Tax can also be saved by taking an education loan. Under Section 80E, if you have taken a loan for higher education, then tax exemption is available on its interest payment. This exemption is available for a maximum of eight years, until the entire loan is repaid. In this way, if you take a loan for higher education for yourself or your children, it will not only reduce the cost of education but will also help in saving tax.

Tax can also be saved by investing in NPS (National Pension System). Additional deduction of up to Rs 50,000 can be availed by investing in NPS under section 80CCD(1) and 80CCD(1B). This is a good option for retirement, which not only secures the future but also reduces tax.

There are tax saving options for renters as well. If you are a salaried person and live on rent, you can get tax exemption on HRA (House Rent Allowance) under section 10(13A). On the other hand, if you are not a salaried person and live on rent, you can avail tax exemption under section 80GG.

There are also some options to save capital gains tax. If you make a profit by investing in a property or share, then capital gains tax is levied on it. But if you invest this amount in bonds recognized by the government (54EC bonds), then you can get tax exemption. Apart from this, if you sell the property and invest in a new property, then also you can get relief in capital gains tax.

Donations and charity are also a great way to save tax. If you donate to a government or recognized charity, you can get tax exemption under Section 80G. Donations to some institutions are 100% exempt, while some are up to 50% exempt.

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If you are a freelancer or business owner, you can still save tax in certain ways. You can save tax by deducting your business-related expenses such as internet bills, travel expenses, rent, office expenses, etc. from your income. Apart from this, tax can also be reduced by taking advantage of GST input credit.

The best way to save tax is to do tax planning in advance and take full advantage of all deductions and exemptions. Avoid rushing to save tax in the last months of the year and make proper investments throughout the year. It may also be beneficial to consult a tax advisor so that you can minimize your tax liability and save as much as possible.

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