shut down Yahoo Groups on December 15, 2020.

 

Dear Yahoo Group Moderators and Members,

We launched Yahoo Groups 20 years ago to connect people around their shared interests. We helped our users navigate new towns, keep in touch with college friends, learn new skills, and most importantly, build connections they may have lost or never had in the first place. While we could not have been more proud of what we accomplished together, we are reaching out today with heavy hearts to let you know that we have decided to shut down Yahoo Groups on December 15, 2020.

Yahoo Groups has seen a steady decline in usage over the last several years. Over that same period we’ve witnessed unprecedented levels of engagement across our properties as customers seek out premium, trustworthy content. To that end, we must sometimes make difficult decisions regarding products that no longer fit our long-term strategy as we hone our focus on other areas of the business.

Beginning December 15, 2020 the Yahoo Groups website will shut down and members will no longer be able to send or receive emails from Yahoo Groups. We’ve compiled a comprehensive FAQ here that includes alternative providers and information on how this will impact your group content.

Thank you for helping us build one of the earliest digital communities — we’re proud and honored to have forged countless connections over the last 20 years and played a small part in helping build your communities.

Sincerely,

The Yahoo Groups team

upselling by hdfc personal banker

 Dear Valued Customer,

Greetings from HDFC Bank !!!


In this current pandemic and falling FD rates we have come up with tax free investment plan with immediate returns on the amount that you invest.  No  need to wait for the maturity of your investment to enjoy the returns as you may now opt for.

Below is an example of a 40 year old individual:

• Payment Term :       6 Years.
• Premium Amount :  Rs.5,00,000/-(Yearly).
• Total Payment done : Rs.30,00,000/-.

Benefits for the above Payment:

• Payout for  the next 60 years (from next year) : Rs 1,15,000/-* Per Year - You may opt for monthly/ quarterly/ half yearly/ annually
• Payouts start from 1st year and continue to be paid till the time you survive.
• Total Payout Amount : Rs.69,00,000/-*
• The Payout you receive whole life  is Tax-Free.

PLUS

Maturity Benefit : Rs.3,31,10,000/-* (Return Of Premium + Last Cash Bonus+ Terminal Bonus)

The Maturity Benefit too is Tax-Free.

 Life Cover from day 1 is 57,50,000/-*

 Introducing "HDFC LIFE Sanchay Par Advantge"

(1). Non-Linked, Participating ,Life Insurance Plan

HDFC Life Sanchay Par Advantage  is a Non-linked, Participating, Life Insurance Plan. You know the benefits that you will receive right from the day you purchase the plan.

The entire benefits you will receive for the Whole Policy Term.

(2). Tax-Free Income

As per Section 10(10)D of the Income Tax Act, 1961, the entire benefits you receive(including Yearly Payouts & Maturity Benefits) are Non-Taxable

(3).Legacy Creation

With the Sanchay Par Advantage Plan, you can create a legacy wealth for your successors in Family.

 In case of unfortunate event, the Nominee shall receive  Sum Assured On Death + Cash Bonus + terminal Bonus (If Any)

(4). Cash Bonus Income For whole life

Cash Bonus Flexibility to Choose Survival benefit Payouts as Monthly/ Quarterly/ Half Yearly & Annually

(5). Return Of Premium

When the policy matures in 60 th year, we shall Return you back all the premiums you have paid to us + Last Cash Bonus + Terminal Bonus as Maturity Benefit

*Figures shown are for illustrative purpose as assumed @ 8% . Please refer attached illustration for further details.

Please let me  know if any further clarification. My contact details are below.

Gateway of Tally Accounts info ledger create

Gateway of tally-Accounts info-Group

Bank account                                                                    Bank  Account

Bank Od account                                                              Branch/division

Capital account                                                                 Cash in hand

Current asset                                                                     Current liability

Deposit                                                                              Direct expenses

Direct income                                                                    Indirect expense

Indirect income                                                                 Duties and tax

Fixed asset                                                                                    Investment

Loans and advance                                                           Loan (liability)

Miscellaneous expenses                                                    Provisions

Retained earning                                                               Reserves and surplus

Purchase account                                                              Sales account

Secured loan                                                                     Stock in hand 

Sundry debtor’s                                                                Sundry creditors

Suspense                                                                           Unsecured account

Ledger	Group
Opening stock	Stock in hand
Purchase	Purchase account
Purchase return	Purchase account
Fright charges	Direct expenses
Carriage inwards or Purchases	Direct expenses
Cartage and coolie	Direct expenses
Octroi	Direct expenses
Manufacturing wages	Direct expenses
Coal, gas, water	Direct expenses
Oil and fuel	D irect expenses
Factory rent, insurance, electricity, lighting and heating	Direct expenses
Sales	Sales account
Salary	Indirect expenses
Postage and telegrams	Indirect expenses
Telephone charges	Indirect expenses
Rent paid	Indirect expenses
Rates and taxes	Indirect expenses
Insurance	Indirect expenses
Audit fees	Indirect expenses
Interest on bank loan	Indirect expenses
Interest on loans paid	Indirect expenses
Bank charges	Indirect expenses
Legal charges	Indirect expenses
Printing and stationery	Indirect expenses
General expenses	Indirect expenses
Sundry expenses	Indirect expenses
Discount allowed	Indirect expenses
Carriage outwards or sales	Indirect expenses
Traveling expenses	Indirect expenses
Advertisement	Indirect expenses
Bad debts	Indirect expenses
Repair renewals	Indirect expenses
Motor expenses	Indirect expenses
Depreciation on assets	Indirect expenses
Interest on investment received	Indirect income
Interest on deposit received	Indirect income
Interest on loans received	Indirect income
Commission received	Indirect income
Discount received	Indirect income
Rent received	Indirect income
Dividend received	Indirect income
Bad debts recovered	Indirect income
Profit by sale of assets	Indirect income
Sundry income	Indirect income
Loan from others	Loan Liabilities
Bank loan	Loan  Liabilities
Bank overdraft	Bank OD
Bills payable	Current Liabilities
Sundry creditors	Sundry creditors
Mortgage loans	Secured loans
Expense outstanding	Current Liabilities
Income received in advance	Current Liabilities
Other liabilities	Current  Liabilities
Capital	Capital account
Drawings	Capital account
Cash in hand	Cash in hand
Cash at bank	Bank account
Fixed deposit at bank	Deposit
Investments	Investments
Bills receivable	Current asset
Sundry debtors	Sundry debtors
Closing stock	Stock in hand
Stock of stationery	Current asset
Loose tools	Fixed asset
Fixtures and fittings	Fixed asset
Furniture	Fixed asset
Motor vehicles	Fixed asset
Plant and machinery	Fixed asset
Land and building	Fixed asset
Leasehold property	Fixed asset
Patents	Fixed asset
Goodwill	Fixed asset
Prepaid expenses	Current asset
Income outstanding	Current assset

Trading account: Buying and selling of goods.

Dr.                     Receiving aspect                                                                    Giving aspect    Cr.

Direct expenses		Amount	Direct Income		Amount
To	Opening stock	xxx	By	Sales	xxx
To	Purchases	xxx	By	(-)Sales return	xxx
To	(-)purchase return	xxx	By	Closing stock	xxx
To	Freight charges	xxx
To	Cartage and coolie	xxx
To	Lorry hire	xxx
To	Manufacturing expenses	xxx
To	Wages	xxx
To	Factory rent, fuel power	xxx
To	Gross profit (transfer to profit and loss account)	xxx

To Profit and loss account: Actual profit and loss of the business

Indirect expenses or payments		Amount		Indirect income or receipts	Amount
To	Salary	xxx	By	Gross profit	xxx
To	Postage and Telegram	xxx	By	Interest on investment received	xxx
To	Telephone charges	xxx	By	Interest on deposit received	xxx
To	Rent paid	xxx	By	Interest on loans received	xxx
To	Rate and taxes	xxx	By	Discount received	xxx
To	Insurance paid	xxx	By	Discount received	xxx
To	Interest on bank loan	xxx	By	Rent received	xxx
To	Bank charges	xxx	By	Bad debts received	xxx
To	Printing and stationery	xxx	By	Net loss	xxx
To	Discount allowed	xxx
To	Advertisement
To	Carriage outward (sales)
To	Depreciation on assets
To	General expenses
To	Traveling
To	Bad debts
To	Net profit

Balance sheet: Actual financial position

Liabilities	Amount	Assets	Amount
Bank loan	xxx	Cash in hand	xxx
Bank overdraft	xxx	Cash at bank	xxx
Bills payable	xxx	Fixed deposit at bank	xxx
Sundry creditors	xxx	Investments	xxx
Expenses outstanding	xxx	Bills receivable	xxx
Capital	xxx	Sundry debtors	xxx
(-)drawings	xxx	Closing stock	xxx
Net profit	xxx	Stock of stationery	xxx
		Furniture	xxx
		Plant machinery	xxx
		Land and building	xxx
		Motor vehicles	xxx
		Prepaid expenses	xxx
		Income outstanding	xxx