It is the season of Income Tax Returns, collection of Form 16, Form 16A and other details from your employers, banks, companies and from many other institutions and organizations where you have invested your money and the investment qualifies for deduction of tax at source. In the world of online transactions, Income Tax Department has initiated some extraordinarily good steps for the common taxpayers like I and you. Apart from filing online tax returns, you can now verify the details of tax credits, TDS, tax refunds and other important details online through the website of Income tax Department.

What are the benefits of verifying tax credits online?

It enables you to ascertain the correctness of TDS and TCS claims in the Tax Returns filed by you with the Income tax Department.
You can verify TDS and TCS reported by the tax Deductors and Collectors and in case if the data does not match, you can take up the matter pertaining to any deficiencies or mismatches with your Deductor or Collector so that the corrective action can be taken by them by filing an updated E-TDS return with NSDL with your correct PAN or TDS amount. For instance, I had recently come across a case of mismatch in TDS data for my Term Deposit with a nationalized bank. The bank was issuing me TDS Form 16A since last three years but the data was not uploaded due to some technical problems. I would never have come to know about the mismatch if I were not to verify the online data about tax credit.
Mistakes can happen at your end as well especially in respect of the PAN and TAN. In such cases, you can identify claims made by you using invalid TAN. In all cases where TAN is invalid the "Name of the Deductor" is mentioned as "INVALID TAN" and in all such cases no match is possible. The TAN in these cases would have to rectified by you by filing a revised Return of Income with correct TAN.
You can also see the details of Tax Refunds sent to you by the Income Tax Department
How to verify tax credits online?

The entire process is very simple. Here is the step-by-step procedure.

Open the website of Income Tax Department E-Filing

Click on the Link "New User Register"
Enter your PAN and Press 'Click Me" button. Next, you will come across a page asking you to enter your date of birth, email id and password. This completes the registration procedure. Remember your password. Your login id is your PAN. Once you have successfully registered on the Income Tax site, you can go back to home page and login.
On successful login, you will see a page with various options on the top.

On the right top side, you will see "My Account", under which you will find several options. Now, click on'View Tax Credit Statement (Form 26AS) and

fill in all the details such as Assessment Year, Date of Birth and the CAPTCHA code and submit.
Next, press confirm and you will be taken to another website and webpage, which will show you Form 26AS containing all the details of Tax Credit such as TDS, TCS and Tax Refund
Summing Up:

With the easy access to online tax returns and user-friendly website of Income Tax Department, it has become extremely simple to file your returns electronically and to check your tax credits and tax refunds online. You may visit Financial Awareness Portal for a detailed procedure with screenshots

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Having stayed at La Giraudiere previously for a working holiday I decided, 7 years later, to return as a paying guest. For your information, La Giraudiere is, or was, an old Charente property which is currently being renovated and converted into a holiday hamlet or tourist complex. During my second visit I came across an old discarded tourist leaflet describing a natural phenomenon - "Dune du Pyla" which also goes by the name of "Dune du Pilat".Totally absorbed by the description of this natural phenomenon, it's natural beauty and yet horrific size, I felt compelled to set off the next morning to see if it existed for myself.

After breakfast I set off early from La Giraudiere, map in hand, on my quest. From Brossac I headed north along the D731 in the direction of Barbezieux which is 18 km north of Brossac, at Barbezieux I picked up the N10 or route national 10 direction Bordeaux.

At Bordeaux I followed the signs for Arcachon which lies 8km north of my Goal - the dune. Sixty minutes or so and some 100 kilometers into my journey I entered the tall pine forest where French Kings once hunted and found myself totally surrounded by pine trees to the left, the right and as far as the eye could see. The sun was just commencing to pierce the morning mist and upon opening my window I was overwhelmed by the pungent aroma of the pine forest.

The sun was beginning to win its battle against the morning mist which was dispersing with all haste as I advanced nearer and nearer to my goal. At the same time the landscape began to change with the pine trees appearing to lean in awe of something greater and then, suddenly, there it was towering above the tall pines and standing defiantly in front of me. I approached slowly, trying not to lose sight of this magnificent phenomenon whilst keeping one eye on the road. I followed until I saw a sun burnt and wind blasted statue standing some 105 meters high and over 2500 meters wide - yet it was always moving, rising and advancing inland as though retreating from the blue ocean - yes, this natural golden phenomenon was truly awe-inspiring. I had arrived at the Dune du Pilat - the largest sand dune in Europe.

After parking my car I embarked on the climb to the peak of the Dune and with each rising step the views of the land and sea were unbelievable and on reaching the top - "Oh what a reward! - the sheer magnificence of the colours of the blue Atlantic pushing the golden sand dune ever inland into the retreating green pine forest - a sight which will remain vividly in my memory for ever. The pilat dune on the Coastline south west France is a national heritage site and is listed as the highest sand dune in europe allthougth its hieght and length is constantly changing with the westerly winds. The dune receives hundreds of thousands of visitors each year and is a favorite amoung paragliders and sand boarders. The nearest towns are Pyla sur mer, La Test De Buch and Arcachon. Take my word for it - this is a visit that should not be missed.

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If you have a lawn, or some grass or access to a patch of green, you have a nightcrawler farm. All through the fishing season night crawlers are an indispensable bait to the fisherman. Even though very few fish swim through the earth, they all recognize a worm and will happily gobble it up or at least give it a taste.

Fishermen here in Maine usually pay $2.30 to $3.50 for a dozen crawlers of average size. Why? because they catch fish. Most fishermen also don't take the time to pick them or keep them.

With a little bit of effort, you can have plenty of big fat crawlers all season long.

Most likely someone in your home drinks coffee. With this and a patch of lawn you are ready to start picking worms and crawlers. If you have kids, give them a bucket and re-write your lemonade stand to read "Crawler stand" its surprising how many fishermen are probably living in your neighborhood. More amazing is how many will prefer to buy bait from your kids.

Keep collecting your coffee grounds in a can. Every time you brew a pot, just dump the grinds in. Once every couple of days spread your grounds out in a 10 x 10' or so area on your lawn. This won't hurt anything and will feed the lawn. If you forget to rake a few leaves in this spot... well thats all the better. Early in the spring, after the thaw, night crawlers are hungry. You will find them all summer long though, so don't stop after the spring. If its possible, keep your target hunting ground in a place on your lawn that tends to hold more water than other areas.

Pick a night after a bit of rain during the day, grab your bucket and head out to your patch a couple of hours after dark. You have to walk quietly. Tip toe even. The slightest thump or heavy step will make the night crawlers pull back into their hole with surprising speed.

Shine your flash light on the grass and watch for a creepy crawly shiny crawler. You need to aim and grab quickly. Crawlers are light sensitive. This means once you have one in your light, don't move it. Usually after you move the light off they will pull back in. Worms are full of instinct and darn fast when they think they might get caught. sometimes its hard to tell the front from the back. The more fleshy color is toward the rear, darker color toward the head. When in doubt, just grab the middle. Before long, finger and thumb will be pecking the ground like a quick little Robin. Once you get hold of one, slowly keep pressure, easily pulling the crawler out of his hole. If you pull too fast or too hard you will rip them in half. Down in that hole is a buch of cillia and a big paddle tail holding it in. A crawler will survive if it breaks, so they will forfeit half a body if they think they are going to lose their fight.

If all is quiet, occasionally you get this creepy realization that there are crawlers all around you. you can literally hear them like a slimy rustling of wet spaghetti. Occasionally they will move a leaf or a stick. If you wave the light around too much, many will pull back into their hole. It's a little unnerving to realize you are surrounded by big fat worms. Then you get excited imagining what kind of large mouth bass or catfish would swallow up a 12" crawler.

Before long you will have a pound or so of crawlers and be completely ready for fishing the next day, or setting up your crawler stand. I Picked up an old rubbermaid tub for a few bucks, tossed in a few spade fulls of rich loose topsoil and some more coffee grounds. Followed by my crawlers.

Worms and crawlers are very easy to keep. feed them your coffee left overs, corn meal, lawn clippings or even newspaper. Worm food can be bought from many places that sell fishing supplies or sporting goods. Worms will also enjoy other biodegradables. Too much salad or left over brussel sprouts though, and it will mold or rot before the crawlers get through it all. Turning the soil on occasion will help as well. There should be a few little air holes in the top of your lid. Obviously too small for them to crawl out. Most won't bother the crawl the sides anyway.

Very little attention is required to keep crawlers happy and healthy. Life in a cool cellar will suit them just fine. With very little effort you can have crawlers for fishing or selling year-round. Even in ice fishing season you will find fish seeking these tastey fellows out.

It truly is amazing how big some night crawlers get. in excess of 12 inches in some cases. Even getting to 1/4+ inch thick. I'm sure they get bigger when fed and kept fat and happy. I have just never really kept one that long.

So if you like to fish, or want to give your kids a new project. Let them set up shop at your next yard sale. Set them in motion, when their done...take them fishing.
They say when a person is fishing, they aren't always trying to fish for fish. When you take your kids fishing,you're doing something much better.

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