STEAK BURRITO BOWL
To be honest, I have a serious addiction to Taco Bell. I know, I know, it sounds horrible – but it is my go-to on busy nights! In an effort to try and make more food at home, I replicated one of my favorite things they have on their menu. It’s super easy to throw together, and quickly is becoming a family favorite.
INGREDIENTS
- 2 pounds flank steak
- 1 teaspoon minced garlic
- 1/4 cup soy sauce
- 1/4 cup olive oil
- 1/4 teaspoon cumin
- 1/4 teaspoon chili powder
- 2 Tablespoons lime juice
- 2 cups cooked white rice
- 4 cups chopped romaine lettuce
- 2 cups pico de gallo
- 1 (15 ounce) can black beans
- 1 cup guacamole
- 1 cups shredded cheddar cheese
- 1/2 bunch chopped cilantro
- 1 lime
INSTRUCTIONS
- Slice steak into 1/4 inch strips.
- In a resealable gallon-size ziploc bag, combine steak, garlic, soy sauce, olive oil, cumin, chili powder, and lime juice.
- Marinade in the refrigerator for at least 1 hour (it tastes better the longer it marinates).
- ....
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FULL INSTRUCTIONS : sixsistersstuff.com
Almost 23% of people in India are at risk of premature death due to lifestyle diseases treating which can be an expensive affair. Around 61% of deaths are due to these diseases. When preventing diseases is the most cost-effective strategy with ever-growing quality healthcare expenses, buying health insurance is the need of the hour. We can’t deny that the penetration of health insurance is very low in India because of the lack of awareness, lack of services or infrastructure.
The financial experts suggest that buying health insurance should be in your financial portfolio, covering yourself and your family.
Wait there is more...
The premium paid for health insurance plan is tax exempted. It benefits you to save more by reducing the taxable income or tax liability. Let’s understand in detail:
Reasons for Buying Health Insurance
Buying health insurance is an utmost necessity these days. The below are some of the reasons why you should consider buying health insurance:
Financial Safety against High Medical Cost
A whopping percentage of Indians burnt a hole in their pocket when a medical emergency arises. With sky-high health care expenses, most of the families end up paying a huge portion of their savings. This severely affects their financial future. Having health insurance comes in handy when you entirely depend on your savings to mitigate those unexpected expenses. In India, there is no dearth of health insurers with exciting plans. For instance, health insurers like New India Assurance Company offers plans to cater to the needs of different people which cover the insured for pre and post hospitalisation expenses, domiciliary treatment cost, daily cash allowance in case of an emergency hospitalisation etc. The all you require is a little research, compare and buy.
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Save on Tax
Health insurance doesn’t only help you pay the exorbitant healthcare expenses, but also to save on taxes. The premiums paid towards health insurance are qualified for tax exemption under Section 80D of Indian Income Tax Act. One can claim up to Rs. 25,000 up to the age 60 years on premium paid for health insurance, even for his/her spouse/ children/parents. If he/she is paying the premium for senior citizen, the claimable tax exemption limit is up to Rs. 30,000.Tax Benefits on Health Insurance Premiums
When it comes to tax benefits, you should consider a few things. Here we go:
1. Limit of Claiming Tax Benefit on Health Insurance Premium
As per the Indian Income Tax Act, the premium paid towards health insurance is exempted from the tax deduction. The Section 80D of IT ACT says that the individual can claim tax benefits up to a certain limit on the premium paid for his/her, spouse, parents, children, irrespective of whether they are dependent or not.
The amount of tax benefits one can avail depends on the age of the insured person. However, the maximum deduction one can avail for the premium paid towards spouse, children and parents is Rs. 25000/PA. The only condition is that the age of the insured should not exceed 60 years.
In case the person is paying health insurance premium for his/her parents who is a senior citizen, the maximum tax benefit that can be availed is Rs. 30,000/PA. This way a taxpayer can maximise the benefits availed from health insurance if his/her age is below 60, by paying premiums for senior citizen parents as well.
2. Amount of Saved Tax
Someone with a health insurance policy for spouse and family with an annual premium of Rs. 25000, can avail tax benefits at 10%, 20% and 30% which comes around Rs 2,575, Rs 5,150 and Rs 7,725 respectively. This will be in addition to anything the insured saves under the Income Tax Act, Section 80C.
3. Medical Check-ups
When a maximum of Rs. 25000-30000 can be availed for paying a premium towards health insurance, going for a preventive health-check-ups one can avail an additional tax benefit up to Rs. 5,000. That means if your existing health insurance policy offers tax benefits up to Rs. 20000, by undergoing a health check-up of Rs. 5,000, the total tax benefit that can be availed in Rs. 25,000. With lifestyle diseases on the rise, it is always recommended to keep a constant eye on your health. That’s why most of the well-known hospitals offer preventive health check-up packages to benefit
4. All Types of Health Insurance Offer Tax Benefit
Not just the indemnity based plans offer tax benefit but only plans with defined benefits also come with tax benefits. Premium paid for indemnity plans like mediclaim policies and defined benefit plans like daily hospital cash or critical illness plan would qualify for tax benefit under Section 80D of Income Tax Act.
5. Premium Paid Towards Life Insurance Companies
Availing tax benefits doesn’t restrict one to buy health insurance only from general insurance providers and avail tax benefits. So, you can buy health insurance from life insurers as well. Premium paid for critical illness or other health insurance riders under a life insurance policy would also qualify for tax exemption under the IT ACT.
6. Cash Payment and Tax
Cash payment is allowed when it comes to paying the premiums on renewals. However, the experts suggest that one must avoid paying the premium on cash to avail tax benefits. You can pay via net banking, cheque, draft or by credit cards to qualify for the tax benefits. Cash payment is only beneficial in cash of availing preventive health check-ups and claiming tax benefits.
7. Separate Plans for Parents
In order to maximise the tax benefits, you can buy separate health insurance for your parents. This is especially recommended if one parent is below 80 years age and the other is above 80 years. The only condition is more health-check ups are required and the premium will be comparatively higher as well. Buying two separate plans for senior citizen parents, you not only earn tax benefits but also can ensure sufficient funds to take care of the financial obligations that may arise in case both the parents meet with a medical emergency.
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