Best Fudgy Cocoa Brownies
Super fudgy and at the same time crispy, this cocoa brownie recipe is best in the world. Learn the recipe!
Ingredients
- ½ cup unsalted butter, melted
- 1 tablespoon cooking oil (olive oil or coconut oil are fine)
- 1⅛ cup superfine sugar (caster sugar)*
- 2 large eggs
- 2 teaspoons pure vanilla extract
- ½ cup all-purpose | plain flour
- ½ cup unsweetened cocoa powder
- ¼ teaspoon salt
INSTRUCTIONS :
Instructions
- Preheat oven to 175°C | 350°F.
- Lightly grease an 8-inch square baking pan with cooking oil spray. Line with parchment paper (or baking paper); set aside.
- Combine melted butter, oil and sugar together in a medium-sized bowl. Whisk well for about a minute. Add the eggs and vanilla; beat until lighter in colour (another minute).
- Sift in flour, cocoa powder and salt. Gently fold the dry ingredients into the wet ingredients until JUST combined (do NOT over beat as doing so well affect the texture of your brownies).
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FULL INSTRUCITONS : cafedelites.com
While we talk about life insurance policies, the first thing that strikes our mind apart from insurance coverage is the tax benefits offered by these policies. As one of the best tax saving investment option, most of the individuals consider purchasing life insurance plans to save on taxes.
Further, in this article, we will elaborately discuss the tax benefits offered by life insurance policies under different sections of Income Tax Act 1961.
Savings on Tax with Life Insurance:
Section 80C:
Under Section 80C of Income Tax Act 1961, the insured can avail tax benefit on the premium paid towards life insurance policies. Some of the important points of section 80C tax deductions are:
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Tax deduction under section 80C is available for Hindu Undivided Families (HUF) and Individuals.
The premium paid towards life insurance policies up to the maximum limit of Rs.1,50,000 are eligible for tax deduction under section 80C of Income Tax Act.
Deductions are applicable if the amount of premium paid in a financial year is 20% of the sum assured amount of the policy. This is related only to the life insurance policies that where issued before 31st March 2012.
For policies which were issued after 1st April 2012, the tax deductions are applicable of the amount of premium paid in a financial year is 10% of the sum assured.
Under section 80C(5) if the insurance holder voluntarily surrenders his policy or in case the policy is terminated before 2 years from the date of commencement of policy, then the insured will not receive any benefits on the premium paid, offered under section 80C of Income Tax Act.
In case of ULIPs, if the insurance holder voluntarily surrenders his policy or in case the policy is terminated before 5 years from the date of commencement of policy, then the insured will not receive any benefits on the premium paid, offered under section 80C of Income Tax Act.
Section 10(10D):
Under Section 10(10D) of Income Tax Act, 1961 the sum assured amount plus bonus (if any) paid on surrender or maturity of the policy or in case of death of the insured in entirely tax-free for the receiver. Some of the important points of section 10(10D) of tax deductions are:
Any amount payable to the insured under life insurance policies is applicable for tax deduction. The amount payable can be-
Allocated sum by way of bonus
Maturity benefit
Survival Benefit
Death benefit
Surrender value
Section 10(10D) deduction is also applicable to gains and proceeds from a ULIP.
Tax benefit under section 10(10D) on maturity proceeds is offered when the premium paid towards the policy is not more than 10% of the sum assured amount.
Any maturity amount of life insurance policy or bonus amount received by the beneficiary of the policy in case of demise of the insured is totally exempted from tax deduction.
Besides this, the life insurance policy bought for disable people are eligible for tax exemption under section 80DDB if the premium amount of the policy exceeds 15% of the sum assured amount.
Best 5 Tax Saving life insurance plans are:
Aviva i-Life Plan
Bajaj Allianz i-Secure
LIC New Jeevan Anand
HDFC Life Click 2 Protect Plus
SBI e-Shield
Aviva i-Life Plan - Aviva i-life plan is a pure protection plan that offers financial protection to the family of the insured in the event of unfortunate demise of the insured. This policy can be bought online in a simple and hassle-free way. Let’s take a look at the details of the policy in the table below.Bajaj Allianz i-Secure - This is a traditional term insurance policy that is available online. This is a comprehensive insurance plan that provides life protection to the family of the policyholder in case of unfortunate demise of the insurance holder. Here are the details of the plan in a tabular form.LIC New Jeevan Anand - This is a participating whole life endowment plan that offers the dual benefit of insurance cum savings. LIC new Jeevan Anand also offers bonus facility to the insured. Let’s take a look at the details of the policy in table below.HDFC life Click 2 Protect Plus - This is a comprehensive life insurance policy that provides higher insurance coverage at a very affordable premium rates. Moreover, this policy also comes with additional rider benefits. Below is the tabular description of the policy.SBI eShield Plan - This is an online life insurance policy that can be bought in a simple and hassle-free way. This plan provides high insurance coverage to the insured in a very affordable premium rates. The details of the policy is described in a tabular form
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