- Re-define the residency rule
The Residency rule is important to determine who is liable to pay income tax in India. At present, there are three categories - Resident, Resident but not Ordinarily Resident (RNOR) and Non Resident. Resident individuals are taxed on worldwide income whereas RNOR and Non Resident Indians are taxed only on Indian income.
The Direct Tax Code has proposed to do away with RNOR category and there will be only two categories - Resident and Non Resident. An individual shall fall in the Resident category if he has stayed in India in any financial year,
(a) for 182 days or more in that year or
(b) for 60 days or more in that year and 365 days or more within the 4 years immediately preceding that year.
This would increase the number of individuals paying tax on their income outside India as individuals belonging to RNOR category will now fall in Resident Category - Change the nomenclatureAt present, if a person earns any income during the year beginning on April 1, 2008 and ending on March 31, 2009, then 2008-2009 is called the "previous year" and the income is assessed to tax in 2009-2010 which is called the "assessment year".
An unified "financial year" term will replace "assessment year" and "previous year". Financial Year is a period of 12 months beginning April 1 and ending on March 31 next year.
This, in our view, will negate the confusion created by the use of two expressions. It will simplify the multiple definitions for "year" and the process of filing tax return.- Restructure the income-tax slabs
The tax slabs for individuals will change substantially as depicted in the table below:
Tax Rate Existing Proposed Tax Slabs For Individuals Nil Upto 160,000 Upto 160,000 10% 160,001-300,000 160,001-1,000,000 20% 300,001-500,000 1,000,001-2,500,000 30% Above 500,000 Above 2,500,000 Tax Slabs For Women Nil Upto 190,000 Upto 190,000 10% 190,001-300,000 190,001-1,000,000 20% 300,001-500,000 1,000,001-2,500,000 30% Above 500,000 Above 2,500,000 Tax Slabs For Senior Citizens Nil Upto 240,000 Upto 240,000 10% 240,001-300,000 240,001-1,000,000 20% 300,001-500,000 1,000,001-2,500,000 30% Above 500,000 Above 2,500,000
This we believe is the most vital reform proposed in the new Direct Tax Code. This will bring down the tax liability of an individual significantly resulting in more income in hand. Also, it will provide everyone an opportunity to save and invest more. - Tax the profits in lieu of salary and perks
The give and take policy always prevails. If the Direct Tax Code Bill proposes to enhance the income tax slabs, it also proposes to withdraw the tax deduction available on benefits like Leave Travel Allowance (LTA), Medical reimbursement and House Rent Allowance (HRA). Hence all these benefits will form a part of your salary and will be taxed as per the applicable income tax slab.
But there is some good news here as well. Food coupons, Employee Provident Fund (EPF), Transport Allowance, Gratuity etc will continue to enjoy deductions. It should be noted that Gratuity will be tax-exempt on change of jobs only if it is invested in a retirement fund.
Though this may increase the tax liability of the salaried individuals, but given that the increase in tax slabs are substantial, it could still lead to a lower tax liability under the new regime.
Consider the example depicted in the table below. An individual whose CTC is Rs 10 lacs p.a., has HRA, LTA and medical reimbursement of Rs 2.7 lacs. In the existing tax system, Rs 2.7 lacs would be exempted from tax and the taxable income would be Rs 6.45 lacs (Rs 10 lacs - Rs 2.7 lacs - Rs 0.85 lacs of Travelling Allowance, EPF and Gratuity), which will attract income tax of approximately Rs 97,500. Whereas, under the new tax code, Rs 9.15 lacs (Rs 10 lacs - Rs 0.85 lacs) will be the taxable income. This will attract income tax of Rs 75,500. The individual is still able to save Rs 22,000 per year.Existing Proposed Cost to Company (CTC) 1,000,000 Taxable Income Taxable Income Basic 445,000 445,000 445,000 Consolidated Allowance 200,000 200,000 200,000 Travelling Allowance 9,600 EPF 55,400 Gratuity 20,000 HRA 170,000 170,000 LTA 70,000 70,000 Medical Reimbursement 30,000 30,000 Tax (Rs) 97,500 75,500 - Increase the Deduction Limit
The aggregate amount of deductions in savings schemes is proposed to be raised from Rs 1 lac (currently under Section 80C) to Rs 3 lacs.
Gross
Income
(Rs)Existing Tax
after Rs 1 lac Deduction
(Rs)Proposed Tax
after Rs 3 lacs Deduction
(Rs)Savings
(Rs)Savings
(%)400,000 14,000 - 14,000 100 600,000 54,000 14,000 40,000 74 1,000,000 174,000 54,000 120,000 69 1,500,000 324,000 124,000 200,000 62 2,500,000 624,000 324,000 300,000 48 5,000,000 1,374,000 1,044,000 330,000 24 (Cess not taken into account while calculating the tax payable)
For example, an individual with an income of Rs 10 lacs will be able to save tax on Rs 3 lacs straight away by investing in prescribed saving instruments. The remaining income of Rs 7 lacs will attract tax of Rs 54,000 as compared to Rs 174,000 under the existing tax regime. This will result in savings of Rs 120,000 per year (an increase of 69%).
As is evident from the table above, the increase in tax slabs combined with the increase in the deduction limit will substantially boost the savings of individuals.
However, it should be noted that investments in equity-link savings scheme (popularly known as tax-saving mutual funds) and 5-year fixed deposit will not be exempt anymore. - Introduce the Exempt-Exempt-Tax (EET) structure
Investments in small savings like provident fund, life insurance etc will be brought at par with National Pension Scheme (NPS) i.e. they will be EET (Exempt-Exempt-Tax). This means the withdrawal amount will be taxed from April 1, 2011. The withdrawal amount will be clubbed with the individual's income and taxed as per the new slab mentioned above.
Grandfathering Clause: Withdrawal of any amount invested in retirement and superannuation schemes as on March 31, 2011 will not be taxed.
Relief on rollover: The rollover of money withdrawn from one account of the permitted saving to another will not be treated as withdrawal.
Small saving scheme such as Public Provident Fund (which offers an assured return of 8% p.a.) currently enjoys Exempt-Exempt-Exempt (EEE) status. Like this there are other schemes as well which are used by many individuals to achieve their long-term financial goals like retirement, children's marriage and education. Individuals investing in them will have to set aside more funds every year to build the targeted corpus. For example, an individual who wants a retirement fund of Rs 20 lacs after 15 years will now have to set aside Rs 1.66 lacs per year instead of Rs 1.38 lacs assuming he has to pay a tax of 20% on the withdrawal amount. - Scrap the benefits on home loans
This could come as a blow to many existing and prospective home buyers. The new Direct Tax Code proposes to scrap the tax benefit currently available on home loans.
The tax benefit on home loans is used to bring down the tax liability of an individual (who has bought a home on loan) to a great extent (i.e. upto Rs 1.5 lacs on home loan interest and Rs 1 lac on repayment of home loan). But the scrapping of the same would increase the tax liability of individuals.
If this happens as has been proposed, we recommend that individuals should consider making higher down payment and taking lesser loan. - Enhance the exemption limit for Wealth Tax
The limit for wealth tax will be increased substantially from Rs 30 lacs to Rs 5000 lacs (or Rs 50 cr). The rate of taxation will be reduced from 1% to 0.25%. The scope of wealth has been expanded to include more instruments like shares, mutual fund units and fixed deposit investments and house property including self-occupied house.
Inspite of these inclusions, very few individuals will have a net wealth of more than Rs 50 cr. Furthermore, many individuals who are currently paying wealth tax will move out from this ambit. - Simplify the Capital Gains taxation
Distinction Scrapped: The distinction between short-term and long-term capital gains tax will be scrapped. This means capital gains will be taxed irrespective of the investment horizon.
Indexation benefit: One year cap remains in order to avail indexation benefits. The same will be applied to houses sold after one year. The indexation base has also been proposed to be shifted from April 1, 1981 to April 1, 2000.
Rate of Capital Gains: The capital gains will be taxed as per the tax slab applicable to the individual.
Some exceptions: Capital gains will not apply to transfer of assets on partition of Hindu undivided family, gifts, transfer under an irrevocable trust, of any investment asset, other than sweat equity share
Here the crux is that investors will no more enjoy zero tax benefit on equities held for over one year. - Abolish the Securities Transaction Tax (STT)
Since the time STT was introduced, it has been an eyesore for many traders and investors investing in the stock markets. There has been a long standing demand to abolish the same, which in all probability may happen on April 1, 2011.
This would result in bringing down the transaction cost for investors and traders. Besides bringing smiles on the faces of traders, in our view it will also help in increasing retail participation in the stock markets.
This blog is formed for all investor, trader & newbie friends in stock market to share useful information in stock market & free buy/sell/hold recommendations. Here the buy recommendations are shared along with information on Stock Splits, Right Issues, Bonus Issues, Latest Stock market updates. And we believe this is very useful information for any investor. Great Investment Ideas can make future better. Lets grow with our Nation. Happy Investing :-)
Saturday, August 22, 2009
Indian Direct Tax. Simplified.
As committed in the last week's Financial News Simplified, PersonalFN presents an analysis on the new Direct Tax Code, which was unveiled by the Finance Minister on August 13, 2009. The new code is likely to be effective from 2011 and will replace the existing Income Tax Act, 1961. The purpose of the new tax code is to simplify the tax laws as much as possible. The code proposes to:
Subscribe to:
Post Comments (Atom)
Disclaimer && Declaration
This publication is not, and should not be construed to be, an offer to sell or a solicitation of an offer to buy any security. This publication, its publisher, and its editor do not purport to provide a complete analysis of any company's financial position. The publisher and editor are not, and do not purport to be, registered investment advisors. Any investment should be made only after consulting a professional investment advisor and only after reviewing the financial statements and other pertinent corporate information about the company. Investing in securities is speculative and carries a high degree of risk. Past performance does not guarantee future results. This publication is based exclusively on information generally available to the public and does not contain any material, non-public information. The information on which it is based is believed to be reliable. Nevertheless, the publisher cannot guarantee the accuracy or completeness of the information. This publication contains forward-looking statements, including statements regarding expected continual growth of the featured company and/or industry. The publisher notes that statements contained herein that look forward in time, which include everything other than historical information, involve risks and uncertainties that may affect the company's actual results of operations. Factors that could cause actual results to differ include the size and growth of the market for the company's products and services, the company's ability to fund its capital requirements in the near term and long term, pricing pressures, etcHotel Debliz Campeche
Hotel debliz campeche, great service, great rooms, great rates. Just a few minutes campeche's downtown
Hotel debliz campeche, great service, great rooms, great rates. Just a few minutes campeche's downtown
Granite Countertops Houston
We are the oldest and most well established granite countertop fabrication and installation company in the city of houston. Call us today to have one of our associates measure your home and give you a free quote! Driveway Repair Houston
For concrete work in the houston area, trust the expertise of houston driveway replacement. We offer commercial and residential service prepared to handle any job, any size. Call now for a free quote!
Security Dvr
We sell digital video recorders and cameras for home and commercial security. Protect your home or business with a dvr today!
Paint Contractors Houston
We are a local houston, tx paint contracting firm. We do commercial & residential painting as well as interior and exterior. We are happy to give free estimates and canLake Travis
We are the the largest mobile boat repair company servicing lake travis, texas. Call us today for all of your repair .handle any job from the smallest house to the largest commercial building.
Kitchen Remodeling Houston
We are one of the oldest and most trusted kitchen remodeling companies in houston, texas. We have over 30 years experience in the kitchen remodeling business and we have designers that are ready to impart their vast design ideas to you. Call today!
Tree Service Houston
We have been the premiere tree service in katy, tx for over 30 years. Whether you need a simple tree trimming, a 100 foot tall pine tree completely removed or a stump ground, we are the company to call in katy, texas. Call us now for a free quote!
Real Estate Katy
We are a home remodeling company located in the city of katy, texas. We perform a range of services from kitchen remodels, bathroom remodeling, interior & exterior house painting, room additions, fencing, siding, roofing and much more.
Roof Repair Katy Texas
We are a full service roofing contractor located in the small community of katy, texas. We also service much of houston, texas. We perform both commercial & residential roofing. Please contact us today for a free estimate on your roofing project!
Patio Covers Houston
We are the leading patio cover manufacturer in the houston area. We have several typed of prefabricated patio covers and we also build custom patio covers. Please call us today for a free quote!
Bathroom Remodeling Houston
We are one of houston’s top bathroom remodeling firms. We offer free estimates and perform free computerized designs of your kitchen so that you can see what it will look like before you buy. Call today for a free consultation with one of our desig
Roofing Company Houston
How to find reputable roofing companies
Drywall Repair Houston
We are the leading drywall repair company in houston, tx. We handle everything from patches to entire homes and businesses. We can match any texture and then complete the project with a custom paint job. Call us today for a free quote!
Countertops Houston
We have been the leading countertop retailer in katy, texas for over 20 years. We feature granite, marble, tile, formica and many other surfaces. Call today for a free quote!
Fence Company Houston
We are the largest residential/commercial fencing company in the houston area. We design & build all types of fencing. Our line includes wood, metal, vinyl, concrete block and more. Call us now for a free estimate on your fencing project.
Wallpaper Houston
Katy wallpaper is your source for all of your wall covering needs. We can assist you in creating a the beautiful living space that you have always dreamed of. Call today and one of our representatives would be happy to come to your home for a free
Wrought Iron Fence Houston
We are the largest fence company in the katy, texas area. We design, fabricate and install metal fencing, vinyl fencing, wood fences and many other styles. Please call us today for a free estimate on your fencing project.
Patio Covers Sugarland
Need some shade from the hot katy sun? Let katy patio covers design a custom patio cover for your home. Whether it is just a low end shed roofed cover or a full patio enclosure, katy patio covers has got you covered. Call us today for a free estim Freeforexbroker
Forex trading information site freeforex-broker. Com provides info about foreign exchange currency trading. Learn about forex market, download free forex e-books, forex articles and use free forex tools.
Moveis De Escritorio
Furniture for industria, commerce, home and computer science: pertaining to school steel tables, chairs, cabinets, fans, water throughs, furniture, wallets, closets, safe etc
Affordable Link Directory Submission Services
Complete seo package and modular seo services like manual directory submission at affordable price
Flash Template
On flash-template. Com you can find flash templates and website templates that are easy to customize and can be used for either personal or business websites. Insurance Forum
We are a discussion forum dedicated to the exchange of information between policyholders and insurance claims professionals to promote the swift and thorough conclusion of property damage insurance claims. Roofers Conroe Tx
Do you need a new roof? We have been serving the lake conroe area for over 20 years! Call us today for a free quote on your roofing project. Wholesale Perfume
Wholesale perfume, both men's and women's fragrances. Benefits Care
Are you looking for affordable health care insurance? Our service helps you find the right insurance plan to fit your needs. We offer a wide variety of benefits from ppo's and hmo's to hsa's and maternity plans. Let us save you money today. Motorsport Experience
Global racing schools is the authorized sales agents for over 300 schools globally and we offer over 400 airlines, 80,000 hotels and private jets and helicopters to make motorsport your travel experience complete! No bias, no fees. Pregnancy Insurance Plans
Pregnancy insurance plans helps pregnant or soon to be pregnant woman find the right pregnancy insurance to fit their needs. Sold Quick.ca - Featuring: Half.com, Amazon, Buy.com, And More
Don't be sold quick; find the best price for your purchase from a number of vender's that offer the same item for sale. Major venders: buy. Com, amazon, musicimport. Biz, unbeatablesale. Com, shopperschoice. Com, onsale. Com, shoebuy. Com Pearland Roofng
We are the top roofing contractor in pearland, tx. We also serve all of south houston & galveston, texas. Residential/commercial. Call now! Parallel Import Cars
Pro import motor is the leading parallel import car specialist in singapore. We specialize in all imported cars. Luxury and cng cars available. United Benefits Group Of America
Are you looking for affordable health or life insurance? United benefit group of america is a leader in the insurance field. We specialize in connecting consumers with top insurance companies to meet and exceed all their health and life needs. Promotional Items
The super store for promotional items and promotional products. Over 950 000 custom promotional products and business promotional items for trade show giveaways, corporate gifts, school promotions and business advertising. Sentosa Resort
Singapore's leading eco friendly resort. Equipped with singapore's longest swimming pool at 95m using only fresh underground spring water. Spring Texas
Get a free roof quote on your commercial or residential project today! We have been roofing spring, texas for over 20 years! Galveston Roofing
We were voted into the top 5 roofers in all of galveston county 3 years in a row! We perform both commercial & residential roofing. Call us today for a free estimate! Roofing Houston Tx
We are a top roofing contractor in houston, texas. We do both commercial and residential work. Due to hurricane ike we are also performing temporary emergency roof repairs and roof tarping throughout the houston area. Call today for a free quote! Webgazing Search Engine
Tired of searching google, yahoo, and msn. Search the web in an all new way with our family friendly search engine. We list over 200,000 sites with free, premium, and ppc listings available. Online Texas Hold Em Poker Strategy Strategies Tips And Lessons
King cobra poker: the ultimate in free winning online texas hold em card poker strategy free poker tips poker lessons and winning poker instruction and instructions. A huge collection of advanced material on texas holdem from an online poker expert.Stroke Treatment
Neuroaid is a new stroke medication that shortens patients' normally long recovery after strokeVietnam Travel
Travel vietnam, vietnam tour, vietnam travel, vietnam tours, tour vietnam, vietnam travel agency, travel indochina, indochina travelNatural Birthing Alternatives
Giving birth naturally is great, it's wow, it's elating and delightful! Are you one of those interested to know about safe natural alternative ways to give birth - without medical interventions and the usual administration of medications anesthesiaViceroy Jets - Private Jets. Anytime (24/7). Anywhere. Worldwide!!
Viceroy jets is known worldwide as one of the best in private jet and executive charter services. Flexibility is our key. No contracts, no acquisition costs, no membership feesAdsens| Ad Sense | Adsense Ready| Adsense SecretsReal Estate Link Exchange Directory
Free link exchange and link building service for real estate themed websites. Injury Law Central
El dabe law firm 330 w 11th st. #701, los angeles, ca 90015 714-536-9366Nettoyage Lavage De Vitres Grand Menage Printemps Montreal
Nettoyage lavage de vitres grand menage printemps montreal , grand menage apres construction et grand menage apres renovation et grand menage apres ou avant demenagementElectronic, Computer & Medical Equipment World
Progress electronics, computers and medical equipment must be achieved by all the people of indonesia and the world. Therefore this website is dedicated to provide information related to it.Gucci Outlet
Buy fashion style gucci bags. The newest style and best service you can get! Welcome gucci outlet online store.Nike Outlet
Nike outlet store supply nike shox, nike dunk sb, nike air max, nike air force shoes, nike basketball shoes, with excellent qulity and lowest price.Toms Outlet
Toms outlet,toms outlet online,toms outlet store online,toms factory,toms shoes Video Hosting - Website Hosting Starting At $3.25/month!
Video hosting is optimized for video oriented content. Other solutions include reseller hosting, vps hosting, dedicated hosting, email autoresponder marketing, ecommerce website hosting, ssl certificates, rich content service, and much more!North Face Sale
North face sale are very stylish and they keep pace with the fashion world. The north face jackets becomes a fashion statement for many during the winters.Filme Online, Filme Hd Online, Filme Hd, Hd Film, Filme 2013, Filme Online 2013 , Filme Online 2012
Filme hd online gratuite, filme premiate, hd film, filme 2013 online, filme hd online gratuite, filme noi hd, filme 2012, seriale online gratuite, trailere filme, filme onlineOnline Shopping
Discount online shopping with the worlds most popular shopping malls, boutiques, shops, warehouses, dropshipping and outlets, it is all about good shoppingFemme De Menage Entretien Menager Montreal, Laval, Rive Nord
Entretien menager menage-genial™ service de nettoyage femme de menage recherche?Glass Pipe And Bongs Water Bongs Bubbler Glass Pipes
Welcome to oneoffsmokeglass. Com we have all your glass pipe and water pipes needs at a great price!Glass Pipe And Bongs Water Bongs Bubbler Glass Pipes
Welcome to oneoffsmokeglass. Com we have all your glass pipe and water pipes needs at a great price!Womens Fashion Dresses Teenager Dresses Teenager Clothing Tops
We have in our collection, very stunning and affordable womens dresses & tops from around the world. We have teenager dresses and our women's fashion clothing represents our "trendiest" looks on the market. They are all available at competitive priceMichael Kors Australia
Welcome to cheap michael kors australia sale online shopping, we sell the latest discount michael kors outlet. Http://www. Pony-go-round. Com/videos/Service Menager A Domicile Menage-poly- Grand Menage
Entretien menager menage-poly� , service de nettoyage - femme de menage recherch�? Confiez nous la corvee de votre menage. MissionCar Rental Costa Rica
4x4rentacar. Com offers four wheel drive vehicle rental - affordable self driving transportation and custom travel tours company for holidays or vacations in costa rica all inclusive rates starting at $39 per day
We are the oldest and most well established granite countertop fabrication and installation company in the city of houston. Call us today to have one of our associates measure your home and give you a free quote! Driveway Repair Houston
For concrete work in the houston area, trust the expertise of houston driveway replacement. We offer commercial and residential service prepared to handle any job, any size. Call now for a free quote!
Security Dvr
We sell digital video recorders and cameras for home and commercial security. Protect your home or business with a dvr today!
Paint Contractors Houston
We are a local houston, tx paint contracting firm. We do commercial & residential painting as well as interior and exterior. We are happy to give free estimates and canLake Travis
We are the the largest mobile boat repair company servicing lake travis, texas. Call us today for all of your repair .handle any job from the smallest house to the largest commercial building.
Kitchen Remodeling Houston
We are one of the oldest and most trusted kitchen remodeling companies in houston, texas. We have over 30 years experience in the kitchen remodeling business and we have designers that are ready to impart their vast design ideas to you. Call today!
Tree Service Houston
We have been the premiere tree service in katy, tx for over 30 years. Whether you need a simple tree trimming, a 100 foot tall pine tree completely removed or a stump ground, we are the company to call in katy, texas. Call us now for a free quote!
Real Estate Katy
We are a home remodeling company located in the city of katy, texas. We perform a range of services from kitchen remodels, bathroom remodeling, interior & exterior house painting, room additions, fencing, siding, roofing and much more.
Roof Repair Katy Texas
We are a full service roofing contractor located in the small community of katy, texas. We also service much of houston, texas. We perform both commercial & residential roofing. Please contact us today for a free estimate on your roofing project!
Patio Covers Houston
We are the leading patio cover manufacturer in the houston area. We have several typed of prefabricated patio covers and we also build custom patio covers. Please call us today for a free quote!
Bathroom Remodeling Houston
We are one of houston’s top bathroom remodeling firms. We offer free estimates and perform free computerized designs of your kitchen so that you can see what it will look like before you buy. Call today for a free consultation with one of our desig
Roofing Company Houston
How to find reputable roofing companies
Drywall Repair Houston
We are the leading drywall repair company in houston, tx. We handle everything from patches to entire homes and businesses. We can match any texture and then complete the project with a custom paint job. Call us today for a free quote!
Countertops Houston
We have been the leading countertop retailer in katy, texas for over 20 years. We feature granite, marble, tile, formica and many other surfaces. Call today for a free quote!
Fence Company Houston
We are the largest residential/commercial fencing company in the houston area. We design & build all types of fencing. Our line includes wood, metal, vinyl, concrete block and more. Call us now for a free estimate on your fencing project.
Wallpaper Houston
Katy wallpaper is your source for all of your wall covering needs. We can assist you in creating a the beautiful living space that you have always dreamed of. Call today and one of our representatives would be happy to come to your home for a free
Wrought Iron Fence Houston
We are the largest fence company in the katy, texas area. We design, fabricate and install metal fencing, vinyl fencing, wood fences and many other styles. Please call us today for a free estimate on your fencing project.
Patio Covers Sugarland
Need some shade from the hot katy sun? Let katy patio covers design a custom patio cover for your home. Whether it is just a low end shed roofed cover or a full patio enclosure, katy patio covers has got you covered. Call us today for a free estim Freeforexbroker
Forex trading information site freeforex-broker. Com provides info about foreign exchange currency trading. Learn about forex market, download free forex e-books, forex articles and use free forex tools.
Moveis De Escritorio
Furniture for industria, commerce, home and computer science: pertaining to school steel tables, chairs, cabinets, fans, water throughs, furniture, wallets, closets, safe etc
Affordable Link Directory Submission Services
Complete seo package and modular seo services like manual directory submission at affordable price
Flash Template
On flash-template. Com you can find flash templates and website templates that are easy to customize and can be used for either personal or business websites. Insurance Forum
We are a discussion forum dedicated to the exchange of information between policyholders and insurance claims professionals to promote the swift and thorough conclusion of property damage insurance claims. Roofers Conroe Tx
Do you need a new roof? We have been serving the lake conroe area for over 20 years! Call us today for a free quote on your roofing project. Wholesale Perfume
Wholesale perfume, both men's and women's fragrances. Benefits Care
Are you looking for affordable health care insurance? Our service helps you find the right insurance plan to fit your needs. We offer a wide variety of benefits from ppo's and hmo's to hsa's and maternity plans. Let us save you money today. Motorsport Experience
Global racing schools is the authorized sales agents for over 300 schools globally and we offer over 400 airlines, 80,000 hotels and private jets and helicopters to make motorsport your travel experience complete! No bias, no fees. Pregnancy Insurance Plans
Pregnancy insurance plans helps pregnant or soon to be pregnant woman find the right pregnancy insurance to fit their needs. Sold Quick.ca - Featuring: Half.com, Amazon, Buy.com, And More
Don't be sold quick; find the best price for your purchase from a number of vender's that offer the same item for sale. Major venders: buy. Com, amazon, musicimport. Biz, unbeatablesale. Com, shopperschoice. Com, onsale. Com, shoebuy. Com Pearland Roofng
We are the top roofing contractor in pearland, tx. We also serve all of south houston & galveston, texas. Residential/commercial. Call now! Parallel Import Cars
Pro import motor is the leading parallel import car specialist in singapore. We specialize in all imported cars. Luxury and cng cars available. United Benefits Group Of America
Are you looking for affordable health or life insurance? United benefit group of america is a leader in the insurance field. We specialize in connecting consumers with top insurance companies to meet and exceed all their health and life needs. Promotional Items
The super store for promotional items and promotional products. Over 950 000 custom promotional products and business promotional items for trade show giveaways, corporate gifts, school promotions and business advertising. Sentosa Resort
Singapore's leading eco friendly resort. Equipped with singapore's longest swimming pool at 95m using only fresh underground spring water. Spring Texas
Get a free roof quote on your commercial or residential project today! We have been roofing spring, texas for over 20 years! Galveston Roofing
We were voted into the top 5 roofers in all of galveston county 3 years in a row! We perform both commercial & residential roofing. Call us today for a free estimate! Roofing Houston Tx
We are a top roofing contractor in houston, texas. We do both commercial and residential work. Due to hurricane ike we are also performing temporary emergency roof repairs and roof tarping throughout the houston area. Call today for a free quote! Webgazing Search Engine
Tired of searching google, yahoo, and msn. Search the web in an all new way with our family friendly search engine. We list over 200,000 sites with free, premium, and ppc listings available. Online Texas Hold Em Poker Strategy Strategies Tips And Lessons
King cobra poker: the ultimate in free winning online texas hold em card poker strategy free poker tips poker lessons and winning poker instruction and instructions. A huge collection of advanced material on texas holdem from an online poker expert.Stroke Treatment
Neuroaid is a new stroke medication that shortens patients' normally long recovery after strokeVietnam Travel
Travel vietnam, vietnam tour, vietnam travel, vietnam tours, tour vietnam, vietnam travel agency, travel indochina, indochina travelNatural Birthing Alternatives
Giving birth naturally is great, it's wow, it's elating and delightful! Are you one of those interested to know about safe natural alternative ways to give birth - without medical interventions and the usual administration of medications anesthesiaViceroy Jets - Private Jets. Anytime (24/7). Anywhere. Worldwide!!
Viceroy jets is known worldwide as one of the best in private jet and executive charter services. Flexibility is our key. No contracts, no acquisition costs, no membership feesAdsens| Ad Sense | Adsense Ready| Adsense SecretsReal Estate Link Exchange Directory
Free link exchange and link building service for real estate themed websites. Injury Law Central
El dabe law firm 330 w 11th st. #701, los angeles, ca 90015 714-536-9366Nettoyage Lavage De Vitres Grand Menage Printemps Montreal
Nettoyage lavage de vitres grand menage printemps montreal , grand menage apres construction et grand menage apres renovation et grand menage apres ou avant demenagementElectronic, Computer & Medical Equipment World
Progress electronics, computers and medical equipment must be achieved by all the people of indonesia and the world. Therefore this website is dedicated to provide information related to it.Gucci Outlet
Buy fashion style gucci bags. The newest style and best service you can get! Welcome gucci outlet online store.Nike Outlet
Nike outlet store supply nike shox, nike dunk sb, nike air max, nike air force shoes, nike basketball shoes, with excellent qulity and lowest price.Toms Outlet
Toms outlet,toms outlet online,toms outlet store online,toms factory,toms shoes Video Hosting - Website Hosting Starting At $3.25/month!
Video hosting is optimized for video oriented content. Other solutions include reseller hosting, vps hosting, dedicated hosting, email autoresponder marketing, ecommerce website hosting, ssl certificates, rich content service, and much more!North Face Sale
North face sale are very stylish and they keep pace with the fashion world. The north face jackets becomes a fashion statement for many during the winters.Filme Online, Filme Hd Online, Filme Hd, Hd Film, Filme 2013, Filme Online 2013 , Filme Online 2012
Filme hd online gratuite, filme premiate, hd film, filme 2013 online, filme hd online gratuite, filme noi hd, filme 2012, seriale online gratuite, trailere filme, filme onlineOnline Shopping
Discount online shopping with the worlds most popular shopping malls, boutiques, shops, warehouses, dropshipping and outlets, it is all about good shoppingFemme De Menage Entretien Menager Montreal, Laval, Rive Nord
Entretien menager menage-genial™ service de nettoyage femme de menage recherche?Glass Pipe And Bongs Water Bongs Bubbler Glass Pipes
Welcome to oneoffsmokeglass. Com we have all your glass pipe and water pipes needs at a great price!Glass Pipe And Bongs Water Bongs Bubbler Glass Pipes
Welcome to oneoffsmokeglass. Com we have all your glass pipe and water pipes needs at a great price!Womens Fashion Dresses Teenager Dresses Teenager Clothing Tops
We have in our collection, very stunning and affordable womens dresses & tops from around the world. We have teenager dresses and our women's fashion clothing represents our "trendiest" looks on the market. They are all available at competitive priceMichael Kors Australia
Welcome to cheap michael kors australia sale online shopping, we sell the latest discount michael kors outlet. Http://www. Pony-go-round. Com/videos/Service Menager A Domicile Menage-poly- Grand Menage
Entretien menager menage-poly� , service de nettoyage - femme de menage recherch�? Confiez nous la corvee de votre menage. MissionCar Rental Costa Rica
4x4rentacar. Com offers four wheel drive vehicle rental - affordable self driving transportation and custom travel tours company for holidays or vacations in costa rica all inclusive rates starting at $39 per day
Disclaimer
Disclaimer : All information given here is for information purpose only. Users are advised to rely on their own judgement or investment advisor when making investment decisions. This blog is not liable and take no responsibility for any loss or profit arising out of such decisions being made by anyone acting on such advice.
No comments:
Post a Comment