Hall – s Plumbing – Woodland, CA – Water Heater Installation


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Hall s Plumbing

Hall’s Plumbing was established in 1986, in Woodland, CA – Yolo County and is a business with Building Contractors and Plumbers on staff and specialized in Sinks, Trailers, Garbage Disposals, Leaks, Commodes and Stools. Hall’s Plumbing is listed in the categories Plumbing Contractors, Water Heaters Repair, Water Heater Contractors and Water Heater Installation +++ Repair and offers Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning etc. If you did business with Hall’s Plumbing, please leave a review and help us improve and help other people. Also, don’t forget to mention Hubbiz.

Plumbing Contractors, Water Heaters Repair, Water Heater Contractors, Water Heater Installation Repair

Sinks, Trailers, Garbage Disposals, Leaks, Commodes, Stools

Gas Lines, Water Lines, Water Systems, Bathtubs, Faucets, Mobile Homes, Remodeling, Toilets, Water Heaters, Pumps, Tubs, Residential, FAUCETS SINKS, WATER SAVING TOILETS, Showers Tubs

Drains, Sewer Drains, Building, Commercial Services, Drain Cleaning, Drain Repair, Estimates, Gas Systems, Inspections, Installations, Repairs, Repairs Maintenance, Residential Services, Sewer Lines, Sewer Repair, Sewer Systems, Showers, Alterations, Built, Business, Business Services, Clogged Drains, Drain Opening, Fixing, Home Improvement, Improvements, Modernization, Renovations, Repair Work, Residential Work

Professionals on Staff:

Building Contractors, Plumbers


13/10/2017

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Cheap Hotel Bookings – Saving up to 80% on Worldwide Hotels

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Dublin

CheapHotelBookings.com offers you the choice of thousands of hotels all over the world with our search and compare tool. We guarantee you’ll find the best hotel rates in any town or city we feature. We regularly experience up to 80% savings on hotel rooms because we compare prices from hundreds of travel sites such as Expedia, Laterooms, Hotels.com, EasyToBook and many more. With our clear descriptions and nightly room rates we make the hotel booking easy.

With superb hotel reviews from past guests you can be assured that you’re getting the best hotel room in the right location at the right price for you. So whether you’re travelling abroad or staying in the UK, need a family room or a reservation for a single night business trip, from the exclusive hotel chains to the boutique hotels, we will find the best accommodation for you.

CheapHotelBookings.com makes it easy to find a hotel with the hotel facilities like a free breakfast or gym, spa, function rooms, entertainment or even a golf course.

Search, compare and book great hotels at up to 80% discount and make your trip pay with CheapHotelBookings.com





03/09/2017

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Travel Insurance Money Saving Tips #travel #agency #uk

#best travel insurance
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Travel Insurance Tips

Find the best travel insurance quote for your trip

Getting the most from your cover

Going away is one of the highlights of the year, and none of us really wants to think about something going wrong while we are enjoying sun, sea and sangria.

But the reality is that some of us will have some sort of problem while we are away, whether that is lost luggage, delayed or cancelled flights, or a medical emergency. So getting travel insurance really is a must before you head overseas.

However, the price of policies can vary dramatically, so never accept the first price you find, always compare prices to make sure you get the best value cover you can.

What do you need to cover?

You must get cover for anything that you anticipate could go wrong. So the basics would be lost luggage, delay or cancellation of your flights, needing to cancel your holiday before you go away in the case of illness or a death in close family, medical treatment while you are away, and cover for any dangerous sports or activities that you are planning on taking part in.

For medical cover, the minimum cover you should have is 1m, although some policies will go as high as 10m, and it is wise to get a higher limit if you are travelling in America or Australia, where treatment is famously expensive.

Getting cover for medical evacuation and repatriation, in case you cannot fly home on a commercial flight or without a medical professional, is wise. This is especially the case if you are involved in winter sports or other dangerous activities which could lead to serious injury.

Never assume the activity you want to undertake is covered as standard under the policy – you always need to check the terms and conditions, and buy additional cover if you need to.

Baggage cover and cancellation cover should be at least as high as the value of the baggage you are taking, and the cost of your holiday so you are not out of pocket.

Cancellation cover will usually be between 1,000 and 2,000, which for most trips will be enough, but remember to include any pre-paid trips and excursions you are planning while you are away.

If you are taking expensive items with you, such as laptops or cameras, then make sure their value is within the single item claim limit on the policy you have chosen. This is often 200- 300. Otherwise you could find yourself unable to replace them if they are lost or damaged while you are on holiday.

You should also have at least 1m of personal liability cover in case something happens and you face claims against you personally as a result.

In addition, getting some kind of catastrophe cover with your policy, so if there is a repeat of the Icelandic Ash Cloud or there is another disaster while you are away that prevents you from getting home, you will be able to reclaim your additional costs.

What happens if the holiday company goes bust?

This depends on whether you have left before or after it fails. Years ago, it would have been unusual for someone to consider this, but with the likes of XL and Silverjet going under in 2008, it has become much more of an issue for holidaymakers.

If you have booked a holiday in good faith with a company and it goes bust before you go away, you will not usually have enough cover under your insurance policy to deal with this, unless you have what is called ‘Standard Airline Failure’ as part of your cover. But this is rare, so if you want this cover you need to make sure you choose a company that offers it.

If you are away when the holiday company goes bust, then providing it is Air Travel Organisers’ Licensing (ATOL) protected, which most package deals will be, then you will be able to get home as this means the Civil Aviation Authority will arrange new flights home for you.

If you are yet to leave, you should also be able to get a refund under ATOL rules, but this is not the case if you have booked your accommodation and flights separately. In this case, if you have booked your holiday on your credit card, you may be able to get your money back under Section 75 of the Consumer Credit Act.

This makes the credit card company and the provider of goods or services jointly liable if those services or goods are not provided, or are substandard and are worth more than 100 and less than 30,000.

What if my flight is delayed or cancelled?

If your flight is delayed your airline will have to provide you with a seat on a later flight, or refund your money. You have no right to expect the airline to pay for another flight with a separate airline.

If it is cancelled, then you should be entitled to food, phone calls and accommodation if the delay means you being stranded overnight. But there is a grey area here, as if the airline claims the delay is outside its control, it does not have to provide you with any compensation.

Being delayed for between eight hours and 12 hours means you should be able to claim some money back from your travel insurer. Check the terms and conditions though, as the actual length of time the delay needs to be will vary from insurer to insurer.

Catastrophe cover will help you if you suffer delays and cancellations due to major events, such as a Volcanic Ash Cloud, but do not assume that you are covered on a standard policy without this being specifically mentioned. To be fair, in most cases, travel insurers will step in to help their customers in these instances even if the cover is not specifically offered, but do not expect it.

Annual, multi-trip or single trip travel insurance?

If you travel abroad a lot, then getting multi-trip cover will work out cheaper for you. Buying single policies each time will become expensive, and you could forget to buy it before you go, which will be a disaster.

However, if you are only going away once in a year, a single trip policy would probably be better value. In both cases, you should compare policies to make sure you are getting the best cover you can, at the best possible price. Remember, cheapest is not necessarily best.

What is an EHIC?

This is a European Health Insurance Card which entitles you to state-funded care while you are travelling in the European Economic Area and Switzerland. It does not replace travel insurance, as it will not offer cover for repatriation or cancellation and so on, and you may also need to pay for some care abroad that you would get free in the UK.

What other type of travel insurances are available?

These policies will offer cover for families who are travelling together, and sometimes when they are travelling apart. You may have to pay for children to be added to the policy, but again in some cases they will be allowed to be included at no extra cost to you.

When you reach age 65, travel insurers get twitchy about offering you cover, as they think you are more likely to make a claim when you travel abroad. So a number of companies have started offering policies specifically to cover this age group. Again, compare costs and cover to make sure you get what you need.

Pre-existing medical conditions

Standard policies will often exclude any pre-existing medical conditions you have, but if you need to have something covered while you are away, such as diabetes, there are companies who will do this.

Winter sports

Taking part in winter sports such as skiing and snowboarding are considered dangerous activities, and if you want to do this while you are away, you will need to take a policy that offers this cover.

Comprehensive cover for less

Travel insurance comes in a variety of shapes and sizes, and so does the premium you will pay. Buying your cover from your travel agent when you book may seem like a good idea, but in some cases these policies do not offer you the cover you need, and can be a lot more expensive than policies available elsewhere.

So you should make sure you compare policies to get the best deal. Do not assume that the cheapest policy is going to be the best one for you, you must be sure you can pay any excess for a claim – the higher this is, the lower the premiums – and it must also provide the cover you need.

The value of a policy is in whether a claim will be accepted and paid, so it is vital to check the terms and conditions of the policy you are looking to sign up to. Make sure you are comparing like-with-like too, as thinking your policy is better value but finding it does not have the specific item covered, or level of cover you need, is a false economy.

MoneySuperMarket wish you a safe and enjoyable trip.





19/08/2017

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Ulster Savings Bank #rhinebeck #saving #bank


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LOAN INTEREST RATES Find your local Mortgage Specialist

rates updated 6/7/2017

*APR = Annual Percentage Rate. Payments do not include amounts for applicable taxes and insurance premiums. Actual monthly payments will be greater.

** The APR for 15-Yr Fixed / 1-Yr Adjustable, 10-Yr Fixed / 1-Yr Adjustable, 7-Yr Fixed / 1-Yr Adjustable, 5-Yr Fixed / 1-Yr Adjustable and 3-Yr Fixed / 1-Yr Adjustable mortgage products may be increased during the loan term.

*** The initial rate will be the floor rate. The first adjusted payment is based on a current index, plus a margin, subject to the floor rate and annual and lifetime adjustment caps.

^ A loan is considered jumbo if the amount of the mortgage exceeds conforming loan limits as set by Fannie Mae and Freddie Mac.

Rates subject to change. Loans are subject to credit approval. Other conditions may apply. Ulster Savings Bank cannot be held responsible for online calculator errors.

CONSTRUCTION RATES

CALL US FOR THE MOST CURRENT CONSTRUCTION LOAN RATES.

FIXED RATE HOME EQUITY LOAN RATES

rates updated 6/7/2017

*** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors.

Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit for at least one year. All money market accounts listed above are variable rate accounts. Rates for variable rate accounts may change after the account is opened. Fees charged for maintenance or certain transactions on any account may also reduce earnings. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, computer, check, debit card or similar order and telephone transfer are limited to six (6) per statement cycle.

*Variable rate accounts are those marked with an asterisk (*).

CD RATES

rates updated 6/7/2017

* 20 Month PROMO CD requires customer to have or open a Premium 50+, VIP or Wall Street checking with Ulster Savings Bank. Offer not available for non-personal accounts. You must be 18 years of age or older to open this account. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Rates are subject to change and offer may be withdrawn at any time.

**For all 7 and 13 month tier CD accounts a customer must open or maintain an Ulster Savings Bank checking account and have direct deposit to a Ulster Savings Bank checking or savings account to be eligible for this account.

*** APY=Annual Percentage Yield. Rates subject to change. Interest rates and terms apply only to Ulster, Dutchess, Greene and Orange counties in NY State. Ulster Savings Bank cannot be held responsible for online calculator errors. A penalty may be imposed for early withdrawal and may reduce earnings.

Any Annual Percentage Yield (APY) provided on our website assumes interest will remain on deposit until maturity for accounts with terms. All certificate of deposit accounts are fixed rate accounts. Fixed rate accounts with specific maturities are in effect until maturity (ie 7 day, 91 day, etc). Fees charged for maintenance or certain transactions on any account may also reduce earnings.

Customer Service Center

Routing Number: 221971264

Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc. subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.


08/08/2017

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Here s an unexpected way to get rid of debt: pick


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Here’s an unexpected way to get rid of debt: pick up and move

Ken Ilgunas paid off $32,000 in student loans two and a half years after graduation starting with a $9-an-hour job.

With zero job offers in his chosen field of journalism, he instead moved from Wheatfield, New York, to Coldfoot, Alaska, a truck stop and tourist camp north of the Arctic Circle, so he could put every possible dollar toward his debt.

Every possible dollar, in this case, meant virtually every dollar. His job as cook, maintenance worker and tour guide provided room and board. What Coldfoot (population 10) didn’t provide was places to spend the little money he was making.

“I had literally no bills other than my student loan payments,” Ilgunas says. “I was able to send $18,000 toward my debt that first year.”

People who are passionate about paying off debt find plenty of ways to do it that go well beyond clipping coupons. turning down the air conditioner and consolidating their debts. Some free up money by tackling most households’ biggest expense: the cost of shelter.

After the tourist camp job, Ilgunas lived in a tent for a while as a ranger for the Gates of the Arctic National Park. He paid off his debt two and half years after his 2006 graduation.

“I wanted a really free and adventurous life, and I knew I couldn’t have that life with debt,” says Ilgunas, 33.

His experiments in rent-free living went so well that he moved into a van so he could attend graduate school without taking out more loans and then wrote a book about it, “Walden on Wheels.” Ilgunas, now a seasonal park ranger, lives in a house in Stokes County, North Carolina, “with electricity and Wi-Fi and everything.”

Why today’s young adults are growing up more slowly

The shifting economy means Americans are taking longer to reach traditional markers of independence — in the process changing how they define ad.

Moving outside the comfort zone

You can’t get cheaper than free. But when a relative offered Chicago residents Aja and Kelvin McClanahan a home he had inherited and didn’t want, they initially turned it down because it was in one of the city’s most dangerous neighborhoods, Englewood .

“If you looked at the statistics, Englewood was at the top. Extreme poverty, urban blight, homicides, teen pregnancy, tuberculosis, all of it,” says Aja McClanahan, 37.

The McClanahans had made progress in paying off $120,000 in student loans, medical bills, credit card debt and a car loan mostly while living rent-free in Aja’s mother’s home. They longed for their own place and hoped to avoid a mortgage. And Aja wanted to be a stay-at-home mom and home-school their two small children.

So they kept talking about the Englewood house. “We could be so much far ahead with retirement savings, with college savings” by moving into the house, Aja says. “We didn’t see another way to get as firm a financial footing.”

Plus, they had friends in the neighborhood: “hipster” types who had moved there for the cheap housing.

“People live here. They didn’t die,” Aja says she reassured herself.

In 2010, the family moved from the suburbs into the house with bullet holes in the back door. They spent the first night listening to sirens, barking dogs and their own doubts about their decision.

Seven years later, they’re still there and debt-free. The area hasn’t gentrified, but it has improved, Aja says. Kelvin’s job as a postal carrier supports the family comfortably, giving them time to travel and and volunteer at local schools and nonprofits.

“I feel like we have a high quality of life,” Aja says.

Moving to another country

The McClanahans may have felt like they moved to a different country, but Frank Thomae and his wife, Lissette, actually did and dramatically reduced their housing expenses.

In 2013, Frank was planning to travel full time after he lost his job as the chief financial officer for a Canadian importer. Lissette planned to work remotely as a marketing director. But then the couple were saddled with $46,000 in unexpected bills for expensive dental work, a bad business investment and remodeling overruns on their Montreal condo.

Watch elephants spray tourists during the Thai New Year festival

Elephants sprayed tourists during the Songkran water festival in Thailand’s ancient capital of Ayutthaya. Songkran marks the first day of the Tha.

Rather than putting off their travels, they relocated overseas. They rented out their condo for $1,850 a month while paying $500 monthly rent in Prague, Czech Republic, and then $300 in Nong Khai, Thailand.

“We saved more money than when we were at home,” Thomae says.

Two years after leaving Montreal, they were debt-free. They recently signed a one-year lease in Croatia. Eventually, they plan to find a more permanent home: It will be abroad.

“We’ve both just turned 50 and neither of us wants to go back to Canada or the U.S.,” Thomae says. “We always want to travel.”

This article was written by NerdWallet and was originally published by The Associated Press .

More from NerdWallet


01/08/2017

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Money Saving Tips For Buying Plane Tickets Online – CBS Denver

#best price on airfare
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Money Saving Tips For Buying Plane Tickets Online

Photo Credit: Thinkstock

Everyone who travels by airplane wants to get the best price possible. But is there really a best day of the week to buy tickets that s cheaper than other days? How far in advance should you make that purchase? By reading through these following money-saving tips, there is an excellent chance you’ll save money the next time you purchase plane tickets online.

When To Buy Plane Tickets

There’s been a lot of discussion amongst travel journalists and industry analysts over how far in advance a consumer should purchase a plane ticket. In previous years, the conventional wisdom was to book up to two months in advance, but no less than 25 days prior to the departure. However, by citing two separate studies conducted earlier this year by CheapAir and Expedia, recommendations are more precise than ever.After compiling data from 1.5 billion airfares spread across nearly five million trips, CheapAir concluded that the best time to book a domestic flight is 47 days in advance. For international flights, CheapAir’s findings were quite different, ranging from 96 days for Latin America to a whopping 318 days in advance for trips to Asia.

While Expedia is poised to release a new set of figures very soon, the most recent data compiled in a joint effort with Airlines Reporting Corporation came up with different conclusions, though not dramatically so. Expedia’s findings suggest consumers should purchase their domestic airline tickets 57 days in advance and 171 days in advance for international flights.

The exceptions to both CheapAir s and Expedia’s conclusions are during peak times of the year for air travel, such as during the holidays, spring break and the summer months. With those exceptions, tickets should be purchased further in advance. For instance, consumers should purchase plane tickets for holiday travel in late September to early October, while better prices for spring break air travel can be found during the holidays.

Airport Terminal (credit: Randy Yagi)

What Day To Buy Plane Tickets

As with the question of how far in advance tickets should be purchased, travel experts offer differing opinions on the best day to make that purchase. However, the long-standing consensus appears to revolve around just two days — Tuesday and Wednesday. Some will insist the best day and time to purchase airfare is on Tuesdays at 3 p.m. E.S.T. while others will say it’s precisely at midnight on Tuesday mornings. Expedia’s most recent findings suggest Tuesday is still the best day to purchase airfare, with Wednesday and Thursday following closely behind. However, AirfareWatchdog says it’s impossible to predict exactly what day is best to purchase plane tickets.

So should consumers still expect the to find the best airfare deals on Tuesdays, the day after airlines traditionally announce new fares? Conventional wisdom says yes, but with a caveat to utilize all of the other tips offered here.

If this all seems too confusing, consumers can still increase their chances of getting a great deal on airfare by signing up for one or more airfare price alerts. Found on several online travel sites, a price alert is a tool that allows consumers to keep track of flights for price changes. When a desirable price is available, a price alert in the form of an email or text message is sent to the consumer, who can purchase airfare at a better rate than previously advertised. There is no general consensus which site has the best price alert system, but among the leading candidates are Airfarewatchdog. UK-based Skyscanner. Hopper. Farecompare  and Yapta. But the list of reliable sites doesn’t end there, since major online travel sites like Expedia. Travelocity  and Priceline all feature price or fare alerts, in addition to some major airlines like Southwest and American Airlines .

It’s difficult to look forward to a redeye flight, but when taken into consideration of the cost savings, it may well be worth the sacrifice. But purchasing an overnight flight is just one way to save money. In fact, lower cost fares may also be found by booking an early morning flight, as Farecompare suggests, around dinner time. Additionally, there’s a widespread agreement amongst travel professionals and industry analysts that the cheapest days to fly are on Tuesdays and Wednesdays. It’s possible to find bargains on Thursdays and Saturdays, but the most expensive days to fly are typically Fridays and Saturdays.

Hipmunk (credit: Randy Yagi)





30/07/2017

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Gas – Oil Boilers, Cork #gas # # #oil #boilers, #cork.


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Energy Efficiency

We are a Sustainable Energy Ireland (SEI) Registered Installer (SEI Reg. No. 11276) and therefore you may be eligible for grants under the SEI Home Energy Saving Scheme (HES) to cover part of the costs of a new heating installation or upgrade to your heating system with a new energy efficient boiler.

Renewable Energy

We can also supply, install and fit many other energy efficient heating solutions including solar panels, underfloor heating and heat pumps. Renewable energy heating systems are also eligible for SEI grants under the SEI Greener Homes Scheme.

Registered Gas Installer Ireland (RGII) and Member of the National Guild of Master Craftsmen.

Gas Oil Boilers Supplied, Installed Serviced, County Cork

We supply and install all new energy efficient gas or oil boilers. We can replace your old gas or oil boiler with a high energy efficient, condensing gas or oil boiler and save up to 33% off your energy bills. You will also be substantially reducing your carbon footprint and improve your homes Building Energy Rating (BER). Combine your boiler upgrade with system control upgrades, new thermostat controls and Thermostatic radiator valves (TRVs) and you will further improve your energy savings.

We provide boilers from leading energy efficient manufacturers with full manufacturers’ guarantees. Our suppliers include:

  • Firebird – with 2 year warranty for parts labour
  • Baxi – with 5 year warranty for parts labour
  • Ideal Logic – with 5 year warranty for parts labour
  • Viessmann – with 5 year warranty for parts labour

Your first choice for Oil and Gas Boiler Services; Heating, Plumbing And Gas fitting Services; Renewable Energy.

Joseph C Kenny Plumbing Heating have 25 years’ experience as plumbers and heating engineers. We operate in all areas of Cork City and Cork County; from Middleton to Glanmire, to Mallow and Chareleville and all sounding areas. We have an impressive record of satisfied clients throughout County Cork. Contact us for all your heating plumbing needs.

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28/07/2017

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Light Commercial – Mobile – Bard HVAC #wall-mount,wall-mounts,wall-mount #air #conditioners,a/c, #wall-mount


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  • Menu
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Why cut a hole in the roof when you can put a smart Bard wall-mount unit on the side of your commercial building instead? Bard s vertical package wall-mount systems feature more enhancements than typical rooftop units, including patented features such as factory or field-installed ventilation options and control modules. Our vertical wall-mount units operate in the normal ambient environment, meaning much higher energy savings and a significant increase in economizer hours.

The Bard way is the smarter way to cool your building. Our wall-mount units operate in a much softer environment than 130 rooftops, which means greater efficiency, increased economizer operating hours and significantly longer life-spans. Plus, unlike most rooftop units, Bard offers active dehumidification sequence which is incredibly valuable to you when adding fresh-air ventilation to comply with building codes.

Just like the mobile structures you design, Bard mobile-unit HVAC system have durability and reliability as their cornerstones. Our systems are made to operate at temperatures ranging from
-30 F to +130 F and switch automatically from 50Hz to 60Hz. Bard systems are designed and tested to ensure they can take a beating on the road and still perform like champs.

Why put an HVAC unit on the roofs where they are hard to service, cause leaks and are subjected to severe and extreme heat? Bard wall-mount units offer everything a rooftop unit does, but in a much smarter and more efficient manner. Taking your air conditioner off of your roof can save you money and significantly increase equipment lifespan of your equipment.

Bard units are known industry-wide to be among the most reliable and easiest to maintain HVAC systems available. Bard engineers always design our units with the HVAC pros in mind, making accessibility and diagnosis one of our top design goals. When it comes to matching today’s highest efficiency requirements with yesterday’s durability, no one does it better than Bard.


27/07/2017

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Money Saving Travel Tips #price #of #airline #tickets

#airline travel deals
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Money Saving Travel Tips

TODAY S TOP HOTEL TRAVEL DEALS

Save up to 70% on Travel with Wal-Travel.com/ Travel Deals Finder.

Tested Hotel Travel Tips that ll Save You Money!

With over 100+ years of Travel Experience, find out how the travel experts share their most interesting travel tips to help you save time and money.

How to Pay the Lowest Hotel Prices PERIOD:

Paying the proper Hotel Price goes a long way toward making your hotel stay a good experience. Like air plane seats, there are several prices for the same hotel room .

Associations such as AAA and AARP, as BookingWiz have mentioned in the past, can afford some savings, but there are many other ways to save on Hotel Rooms .

Most travelers are unaware of Advanced Purchase Savings. Many of the top Hotel Chains allow individual properties to post advanced purchase rates for rooms. Generally, these hotel rates are not chain wide so you really have to look at all the offerings to find them. The trick is to remember that the key word is PURCHASE. If you are not 100% firm in your plans, these prepaid plans are NOT for you since you pay in full when you book these non-refundable hotel rates.

The next best hotel rates are commonly called Internet Rates. Usually these can be cancelled but pay attention to the cancel by date which may be one or two days prior to arrival as opposed to the cancel by 6 PM day of arrival that you see with most rates.

Compare All Air Ticket Prices with FlightsMobile.com!

Looking for Affordable Hotels in Big Cities Throughout the USA?





22/07/2017

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Highest Tax Saving Bank Fixed Deposit Rates 80C – May 2017


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Highest Tax Saving Bank Fixed Deposit Rates U/S 80C May 2017

Highest Tax Saving Bank Fixed Deposit Rates 80C May 2017

Tax Saving Fixed Deposits one of the most popular way to save taxes u/s 80C of income tax. These are like normal Fixed Deposit with banks but is labeled as “Tax Saving FD” while making the deposit.

Why you Should Invest?

  1. Convenient to invest. ICICI Bank, SBI, HDFC Bank, etc offers online facility for Tax Saving FD
  2. Redemption on maturity comes directly to your bank account
  3. High Safety FD up to Rs 1 Lakh is insured

Why you Should Not Invest?

  1. There are lot of competing products like EPF, PPF, ELSS to exaust the investment of Rs 1.5 Lakh u/s 80C
  2. The interest earned is taxable
  3. Cannot be withdrawn prematurely
  4. Cannot be pledged to secure loan or as security

Tax Saving Fixed Deposit Interest Rate

Bandhan Bank and Bank of India have reduced their interest rates (compared to last month) on tax Saving FDs.

Also State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala and State Bank of Travancore have merged with State Bank of India effective April 1, 2017.

As of May 1, 2017 banks are offering 6.00% 7.50% for general public and 7.00% 8.00% for Senior Citizens.

  1. The best Tax Saving Fixed Deposit Interest offered is 7.50% for General Public byThe Ratnakar Bank
  2. The best Senior citizens Tax Saving Fixed Deposit Interest offered is 8.00% by The Ratnakar Bank

The table below lists the banks in alphabetical order with their respective interest rate offer on Tax Saving FDs for General and Senior Citizens.

The highest Interest Rates have been highlighted :

Taxation TDS Tax Saving Fixed Deposits:

The interest received on tax Saving Fixed Deposit is fully taxable. The interest income is considered as income from other sources for Tax filing and taxed at marginal tax rates applicable.

TDS would be deducted at the rate of 10% of the interest paid, if the interest paid exceeds Rs 10,000 in a financial year. You can see the same in Form 26AS .

In case your income does not exceed taxable slab and so want to avoid TDS, you can submit Form 15G or 15H when making the deposit. You would also need to submit the form at the start of every financial year to the concerned bank branch.

Key Points – Tax Saving FD:

Below are some of points to keep in mind while investing in Tax Saving Deposits:

  1. As the Tax Saving FD scheme was introduced in Budget of 2006, it s also known as Tax Saving Deposit scheme 2006 (Notification Number 203/2006 and SO1220 (E) dated 28/07/2006)
  2. Most of the banks accept deposit of 5 Years only. However there are banks with deposit tenures of more than 5 Years
  3. You can deposit on either Single or Joint name. However benefit of tax deduction is available for first holder only.
  4. Most banks offer interest rate which is similar to their 5 years term deposits. Only a few banks give slightly higher interest rate for their Tax Saving Fixed Deposits
  5. Most banks give Senior citizens and their staff members additional interest of 0.25% to 0.5%
  6. Depositor can opt for either cumulative or non-cumulative way of crediting periodical interest
  7. Don’t be mislead by banks advertisements about their yield on Tax Saving FDs. Those are manipulative calculations
  8. Be cautious of small co-operative banks as they have higher risk than bigger private and public sector banks
  9. Depositor gets benefit U/s.80C of the Income Tax Act. 1961
  10. Minimum deposit is Rs.100 and in multiples thereof
  11. Maximum deposit in a Financial Year Rs.1,50,000/- [i.e. 1st April to 31st March of the following calendar year]
  12. Deposits cannot be withdrawn prematurely
  13. Deposits cannot be pledged to secure loan or as security

Disclaimer:We have tried to keep interest rates up to date, but as these change frequently you are advised to check with the bank before investing. Also it would be great if you can point out any errors through comments or email!

Direct link for Interest Rates on FDs of Banks:

Below is the direct link for Interest Rates of Major Banks. You might want to check the interest rates before doing your FD.


10/07/2017

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18/04/2017

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