What to do if your PC is overheating?

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 Nowadays computer has become a necessity in every home and office. But sometimes our PC gets very hot i.e. it starts overheating. When the computer gets very hot, it starts running slow, it may shut down suddenly or its parts may also get damaged. In this blog we will know what to do if your PC is overheating and how it can be stopped. Why does the computer overheat? Dust and dirt: If dust fills up inside the computer, the airflow stops and the cooling system does not work properly. Poor ventilation If the computer is placed in a location where air cannot flow, heat gets trapped inside. Bad Fan or Heatsink If the processor or graphics card fan isn't working properly or the heatsink is old, the computer overheats quickly. Heavy software or games If you are running many heavy programs or games simultaneously, there is more load on the processor and graphics card, which causes the system to heat up. Thermal paste drying up Thermal paste is applied between the pro...
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Best ways to get tax exemption under 80C


Every year people are most concerned about saving income tax. The good thing is that the Government of India has given many options to save tax, out of which the most popular section is Section 80C .
exemption under 80C

Under section 80C, you can get a deduction of up to Rs 1.5 lakh . This means that if you invest correctly in 80C, your taxable income will be reduced and you will save tax.

In this blog, we will tell you the best and reliable ways to save tax under Section 80C .

1. PPF (Public Provident Fund)

PPF is a popular and safe government scheme. In this, your money gets locked for 15 years, but it is completely tax free.

Features of PPF:

  • Government guaranteed, hence safe.
  • The interest rate is decided by the government every quarter.
  • Deposit amount, interest and maturity amount – all tax free.
  • Up to Rs 1.5 lakh exemption under section 80C.

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2. ELSS (Equity Linked Savings Scheme)

ELSS is a mutual fund that invests in the stock market. This is the fastest option to save tax under 80C because its lock-in period is only 3 years .

Features of ELSS:
  • Lowest lock-in (3 years).
  • Potential for high returns in the long term.
  • Facility of small investments through SIP.
  • Up to Rs 1.5 lakh exemption under section 80C.

ELSS is ideal for investors who want higher returns and are willing to take some risk.

3. EPF (Employee Provident Fund)

If you are a salaried person, then every month a part of your salary goes to EPF . This too is exempted under 80C.

Features of EPF:
  • Investment deducted directly from salary.
  • Interest rate around 8%.
  • Tax-free amount on maturity.
  • Up to Rs 1.5 lakh exemption under 80C.

This is the easiest and automatic tax saving method for salaried people.

4. Term insurance premium

If you have taken term insurance for yourself or your family , then you also get exemption on its premium amount under 80C.

Features of term insurance:

  • Big cover at low premium.
  • Tax savings with life protection.
  • Up to Rs 1.5 lakh exemption under section 80C.

Every earning person must have a term plan as it is the most important financial security.

5. Tax Saving FD

Tax Saving FD is a special fixed deposit which has a lock-in period of 5 years. It is for those who want safe investment and also want to save tax.

Features of Tax Saving FD:

  • Safe investment in bank.
  • 5 years lock-in.
  • Interest is taxable, but the principal amount is exempted.
  • Up to Rs 1.5 lakh exemption under 80C.

This is perfect for those who want to save money without any risk.

6. Sukanya Samriddhi Yojana

If your daughter is below 10 years of age, you can invest in Sukanya Samriddhi Yojana . This is a scheme specially designed to secure the future of daughters.

Salient features of Sukanya Samriddhi Yojana:

  • Government backed scheme.
  • Account in daughter's name.
  • High interest rate (higher than PPF).
  • Up to Rs 1.5 lakh exemption under 80C.
  • No tax on interest and maturity.

This is best for those parents who want to save for their daughter's education or marriage.

7. NSC (National Savings Certificate)

NSC is a post office scheme that offers tax savings along with guaranteed returns. It is good for those who want safe investment.

Features of NSC:

  • Government backed scheme.
  • Period of 5 years.
  • Interest is reinvested every year and is eligible for deduction under 80C.
  • Up to Rs 1.5 lakh exemption under section 80C.
8. Home loan principal repayment

If you have taken a home loan, then you get tax exemption under 80C on the principal amount of the installments you pay .

Features of home loan rebate:

  • Help in buying a home.
  • Discount on principal amount.
  • Separate exemption on interest under Section 24.
  • Up to Rs 1.5 lakh exemption under 80C.
9. Tuition Fees

If your children are studying in school or college, then their tuition fees are also eligible for exemption under 80C.

Features of Tuition Fees:

  • Discount only on fees of real children.
  • Tuition fees only, not other expenses.
  • Up to Rs 1.5 lakh exemption under 80C.

The most important thing is to plan properly

It is easy to save tax under Section 80C, but investing just to save tax without proper planning can be wrong.
Always invest after thinking how much return you want , how much risk you can take and for how many years you can invest .

  • If you want safe returns then take PPF, NSC or FD.
  • If you want higher returns then choose ELSS.
  • Sukanya Samriddhi Yojana is the best for daughter.
  • Term insurance is necessary for your protection.
Result – Create balance in 80C

The best way is to use all the options of 80C in a balanced manner . This will give you tax savings, future security and good returns as well.

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