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Moneycontrol Personal Finance

  • newFive reasons to invest in property this festive season

    Five reasons to invest in property this festive season

    We tell why now is the perfect time to consider investing in the newly revived property market in India
    - 18 hours ago, 22 Oct 14, 6:19pm -
  • newThe Swiss want bars…. Of gold not chocolate!

    The Swiss want bars…. Of gold not chocolate!

    The ‘Save our Swiss Gold’ initiative is set to highlight the important issues of sovereign gold reserves and who has possession and controls them
    - 23 hours ago, 22 Oct 14, 12:38pm -
  • Remittance its taxation: How will it impact you?

    Remittance  its taxation: How will it impact you?

    Once an amount is received by the individual then its remittance of transmission to any other place would not be a taxable event under the income tax law. This makes it important for the individual to see whether there is a receipt of the income that has taken place and when they transfer the money whether this is actually remittance for them.
    - 2 days ago, 21 Oct 14, 5:30pm -
  • Are you real estate investor or a speculator? Find out here

    Are you real estate investor or a speculator? Find out here

    Most investors look at buying properties at a lower rate at new locations in anticipation of the demand to come. For this to bear fruit, they must give these locations sufficient time to receive basic infrastructure.
    - 7 days ago, 16 Oct 14, 12:32pm -
  • How much of your home do you own?

    How much of your home do you own?

    Be an impressive borrower and understand your amortization schedule. Understanding the amortization schedule from a home loan adviser or expert may be good idea.
    - 7 days ago, 16 Oct 14, 12:08pm -
  • Changing concept of luxury homes in India

    Changing concept of luxury homes in India

    Less than ten years ago, the concept of luxury homes was firmly tied to a city's most expensive inner locations.
    - 7 days ago, 16 Oct 14, 12:05pm -
  • How to plan your shopping this festive season

    How to plan your shopping this festive season

    Between September and late October every retailer worth his salt is angling for your attention and indulgence because the shopping season which roughly accounts for about 40 percent of the total annual sales for most brands is between this period.
    - 9 days ago, 14 Oct 14, 7:12pm -
  • Here's why your portfolio needs 'gold'en touch this Diwali

    Here's why your portfolio needs 'gold'en touch this Diwali

    The current gold prices are in the range of Rs 27,000 per ten grams in India. We recommend buying in at Rs 26,500 levels and holding delivery. In the current circumstances.
    - 9 days ago, 14 Oct 14, 2:59pm -
  • Here's Indiaproperty's report on Banashankari

    Here's Indiaproperty's report on Banashankari

    Surrounded by Rajarajeshwari Nagar and Giri Nagar in the west, JP Nagar and Jayanagar in the east,Basavangudi in the north and Uttarahalli in the south, Banashankari is fast developing into a residential hub.
    - 9 days ago, 14 Oct 14, 12:29pm -
  • Here are South India's real estate hotspots

    Here are South India's real estate hotspots

    The commercial office leasing trends in Bangalore clearly reflect that the city is topping all others in terms of space and job creation. IT, ITeS and retail are driving employment creation in the city.
    - 9 days ago, 14 Oct 14, 12:28pm -
  • 9 personal finance tips for a widow

    9 personal finance tips for a widow

    Organizing all financial documents and keeping them in one place becomes critical to take further steps. This becomes all the more essential if you have till now not been involved in financial decisions of the family.
    - 9 days ago, 14 Oct 14, 12:26pm -
  • Hyderabad Real Estate – Present And Future

    Hyderabad Real Estate – Present And Future

    Gachibowli is the most lucrative and well-established zone in Hyderabad. It has maximum office supply absorption and maximum potential for capital appreciation and growth for investors with a 5-7 years investment horizon.
    - 10 days ago, 13 Oct 14, 5:38pm -
  • Can you trust online financial calculators?

    Can you trust online financial calculators?

    Agreed that financial / retirement calculators can prove to be really valuable tools when properly used.Therefore, their use is not completely opposed, but at the same time, we must prevent their highly frequent misuse.
    - 10 days ago, 13 Oct 14, 5:38pm -
  • Retirement receipts should be checked for taxability

    Retirement receipts should be checked for taxability

    Retirement receipts should be checked for taxability
    - 10 days ago, 13 Oct 14, 4:05pm -
  • A comparative analysis of online Will services

    A comparative analysis of online Will services

    Drafting a Will is a critical part of Estate Planning. The presence of a Will reduces complexities for the legal heirs and also quickens the process.
    - 10 days ago, 13 Oct 14, 4:04pm -

Moneycontrol - Brokerage Recos

India Infoline - MF News

Business Standard Smart Investor

  • newStocks to buy in Samvat 2071
    Here are a few stock recommendations for Samvat 2071 by leading brokerage and research houses
    - 13 hours ago, 22 Oct 14, 10:48pm -
  • newPositive returns in four out of five Samvats
    More reforms and economic recovery-led earnings growth should see markets head higher in new Samvat
    - 13 hours ago, 22 Oct 14, 10:45pm -
  • HDFC Bank net up 20%, a tad short of expectations
    Yet, operationally, a good quarter, with a pick-up in retail loan growth, steady margins, asset pressure under control
    - 2 days ago, 21 Oct 14, 10:47pm -
  • Commodity exchanges try to revive volumes
    They are banking on forward trading to make up for the loss due to the dwindling interest in gold and non-farm commodities futures
    - 2 days ago, 21 Oct 14, 10:30pm -
  • UltraTech: On a strong wicket
    Realisations, overall performance beat most estimates, but some analysts are disappointed as cost pressures continue
    - 3 days ago, 20 Oct 14, 10:49pm -
  • The DLF-Sebi timeline, starring Robert Vadra
    A closer look at the timeline shows how the case ran parallel to the rise of UPA chairperson Sonia Gandhi's son-in-law Robert Vadra's real estate interests
    - 3 days ago, 20 Oct 14, 10:45pm -
  • The bitter truth
    Which is that one industry (not critical to national security) that continues to be controlled even 23 years after the liberalisation was announced while most sectors have been decontrolled?Which is that one sector where companies may sell at prices ...
    - 4 days ago, 19 Oct 14, 11:28pm -
  • Sebi changed its mind on Tayal's BoR shares after 2 years
    The Securities and Exchange Board of India (Sebi) had changed its mind on the treatment of ICICI Bank shares that came into the accounts of promoter group entities of Bank of Rajasthan (BoR), led by Pravin Kumar Tayal, following the merger of the ...
    - 7 days ago, 16 Oct 14, 10:49pm -
  • Page Industries: Comforting future
    Valuation premium likely to sustain due to expectations of strong volumes over the next 2-3 years, say analysts
    - 7 days ago, 16 Oct 14, 10:48pm -
  • Healthy profits but revenue growth lags
    The growth will be lower than the June quarter's 16 per cent
    - 8 days ago, 15 Oct 14, 11:25pm -

Business Standard PF

  • newCredit score can fall despite loan repayment
    Making too many loan enquiries or asking for a higher credit limit could lead to a lower score
    - 14 hours ago, 22 Oct 14, 10:02pm -
  • Toss-up between banks and transfer agents
    Shop around for the best exchange rate and the lowest fees
    - 2 days ago, 21 Oct 14, 9:57pm -
  • This Diwali, swipe card to buy a car but beware of debt trap
    You get a 45-day repayment window and reward points. But inability to pay back on time can be a problem
    - 3 days ago, 20 Oct 14, 10:18pm -
  • All NFOs aren't bad for the portfolio
    Avoid similar or large schemes. But if there is one that is beneficial from the tax or strategy perspective, consider investing in it
    - 4 days ago, 19 Oct 14, 10:30pm -
  • 40 Years Ago...And now: The rise, fall and rise of credit cards
    This business got off to a shaky start but the advent of credit bureaus de-risked it
    - 4 days ago, 19 Oct 14, 10:29pm -
  • Bonus stripping? Be careful
    It has a tax advantage but can also land you in trouble with the tax department for booking capital loss, less liquidity and high premium in the futures market
    - 4 days ago, 19 Oct 14, 10:28pm -
  • Why you should make a will
    It will save your legal heirs the hassles of proving their claim on assets. You can distribute your assets the way you choose to
    - 4 days ago, 19 Oct 14, 10:25pm -
  • Debt Counselling: Mohan Jayaraman
    Today, Mohan Jayaraman, managing director, Experian Credit Information Company of India & country manager of Experian India, answers your questionsI am repaying two personal loans and one credit card loan. Will I have a low credit score? All ...
    - 4 days ago, 19 Oct 14, 10:23pm -
  • Realty check
    Budget: Rs 1 - Rs 1.5 croreBusiness Standard brings you a snapshot of average current rates and unit sizes in localities that offer property in a price range of Rs 1 to Rs 1.5 crore. If you are looking at buying a property and your budget falls ...
    - 4 days ago, 19 Oct 14, 10:22pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 4 days ago, 19 Oct 14, 10:11pm -
  • What is more lethal for your portfolio...
    Fear of having missed out on the bull run or the greed of squeezing more from markets
    - 5 days ago, 18 Oct 14, 9:35pm -
  • Sell shares of unlisted companies through off-market transfer
    With a number of regional stock exchanges facing closure, this is perhaps the only option for investors
    - 7 days ago, 16 Oct 14, 10:14pm -
  • Avoid churning your portfolio too much
    The taxman may classify the gains from investment as business income, which could be taxed at 30%
    - 8 days ago, 15 Oct 14, 11:00pm -
  • Not everyone needs a term plan
    Pure life covers are meant to replace loss of income for an earning family member. Hence, senior citizens and children should not be insured for life
    - 9 days ago, 14 Oct 14, 10:25pm -
  • Loan against shares, MFs not a good option
    While rates are lower than personal loans, not all scrips are eligible. You will need to provide additional liquidity if value of the security falls
    - 10 days ago, 13 Oct 14, 10:08pm -
  • Dealing with legacy investments
    Wading through your age-old investment documents to redeem your hard-earned money back can be quite a pain for your child. Hence, ensuring you've kept all your details and nomination in place can go a long way
    - 10 days ago, 13 Oct 14, 12:10am -
  • Why open offers aren't attractive for many investors
    If the share price runs up, sell in the secondary market. Tax anomaly makes these offers unattractive
    - 10 days ago, 13 Oct 14, 12:09am -
  • 40 Years Ago...and now: Health insurance- From only govt to baby steps by the private sector
    With health care costs rising 18 per cent annually, having a high cover has become a necessity
    - 10 days ago, 13 Oct 14, 12:07am -
  • Airlines' liability limited unless consignment value declared
    Rajesh Vora (name changed) had placed an order with Gems Art Factory at Jaipur for supply of four handmade silk carpets worth $8,000. The payment was made through credit card and bank draft. The carpets were to be delivered to Detroit in the US.Gems ...
    - 10 days ago, 13 Oct 14, 12:06am -
  • Neemrana (Rajasthan): High appreciation potential
    Neemrana is one of the fastest growing industrial centres in North India. This area is advantageously located on NH-8, in proximity to other industrial sub-markets such as Bhiwadi, Bawal, Khushkhera and Tapukhera. Situated in Rajasthan and part of ...
    - 10 days ago, 13 Oct 14, 12:05am -
  • General Insurance: Bhargav Dasgupta
    I am 29; my parents are 63 and 56. I want to buy health insurance plan(s) for my parents. Should I buy individual plans for both or a family floater that can cover all three of us? Also, what are the main features a health cover must have? Family ...
    - 11 days ago, 13 Oct 14, 12:04am -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 11 days ago, 13 Oct 14, 12:02am -
  • Good time to buy commercial property
    Since prices are at rock bottom, you will get capital appreciation on the property value. These also offer higher rental yields than residential property
    - 12 days ago, 11 Oct 14, 9:03pm -
  • Exit load is good for investors
    But avoid sector funds that have such loads because of their cyclical nature
    - 14 days ago, 9 Oct 14, 10:08pm -
  • Deposit rating no investment recommendation
    It only shows a company's quality. Invest if you can stomach the credit risk and then keep track of the rating, to avoid getting stranded later
    - 15 days ago, 8 Oct 14, 10:30pm -
  • Protect NCB by not claiming insurance for small repairs
    If you transfer the policy to a new vehicle, the no claim bonus might help lower the premium
    - 16 days ago, 7 Oct 14, 10:19pm -
  • Sentiment isn't everything
    It will be some time before things change on the ground. Don't get carried away
    - 18 days ago, 5 Oct 14, 11:10pm -
  • Stick to debt for short-term goals
    If you shift entirely to equity and if markets fall, your investments will be hit
    - 18 days ago, 5 Oct 14, 11:09pm -
  • Do stock splits add value to a scrip?
    Share prices of companies that have gone for a split in the past 2 years have mostly risen. However, the picture is not clear in the long term. Hence, go by the fundamentals
    - 18 days ago, 5 Oct 14, 11:07pm -
  • Consumer-protection provisions need more teeth
    The Reserve Bank of India (RBI) recently placed a draft charter of customer rights on its website for public comments. This is in line with its objective to "frame comprehensive consumer protection regulations based on domestic experience and global ...
    - 18 days ago, 5 Oct 14, 11:06pm -
  • Realty check
    Business Standard brings you a snapshot of average current rates and unit sizes in localities that offer property in a price range of Rs 50 lakh to Rs 1 crore. If you are looking at buying a property and your budget falls within this range, an idea ...
    - 18 days ago, 5 Oct 14, 11:05pm -
  • Banking: Prashant Joshi
    I have two salary accounts, but have stopped using these as I have moved jobs. Should I inform the banks or should close the accounts? Most banks convert a salary account into a normal savings account if salary credits stop for a quarter or more. ...
    - 18 days ago, 5 Oct 14, 11:04pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 18 days ago, 5 Oct 14, 11:01pm -
  • Ensure policy proceeds reach the right person
    Businessmen with liabilities can buy an insurance policy under the Married Women's Property Act to insulate the family from any default
    - 19 days ago, 4 Oct 14, 9:20pm -
  • Try MFs to benefit from e-commerce boom
    Investing directly here is difficult. Retail investors can look at firms that will benefit from the sector's growth and go by this route
    - 22 days ago, 1 Oct 14, 10:06pm -
  • Return of purchase price means lower return from annuity
    If you have no dependants you can opt for lifetime annuity & get more pension
    - 23 days ago, 30 Sep 14, 10:04pm -
  • Roll over FMPs only if you don't need cash
    Otherwise, you could be better off investing in open-ended balanced funds with similar returns, tax efficiency
    - 24 days ago, 29 Sep 14, 10:06pm -
  • Life on an online platform
    While buying a car online provides substantial saving, you need to be more careful about real estate
    - 24 days ago, 29 Sep 14, 12:20am -
  • 40 Years Ago...And now: From sons to self-reliance
    A limited number of instruments did not allow people to save enough to beat inflation. Thankfully, we are better placed now
    - 24 days ago, 29 Sep 14, 12:19am -
  • Don't break down after a mid-career break
    Most people make the basic mistake of not having a proper back-up plan
    - 24 days ago, 29 Sep 14, 12:18am -
  • Uncertainty will plague coal sector for the time being
    It is easy to pinpoint the losers right now. But there could be a turnaround in six months
    - 24 days ago, 29 Sep 14, 12:15am -
  • Charged for twin-sharing room, given triple-sharing
    When a customer is charged on twin-sharing basis, a tour operator cannot cut costs by giving accommodation on triple-sharing. Heena Devi had booked a vacation package for herself and her son for Thailand, Malaysia and Singapore conducted by ...
    - 24 days ago, 29 Sep 14, 12:14am -
  • Extension of Metro route will aid residential development
    Ghaziabad caters primarily to the mid-segment and affordable housing segment. It is home to established housing clusters such as Kaushambi, Vaishali and Indirapuram while upcoming residential corridors include Raj Nagar Extension and developments ...
    - 24 days ago, 29 Sep 14, 12:13am -
  • Banking: Prashant Joshi
    Today, Prashant Joshi,MD & Head, Private & Business clients (India), Deutsche Bank, answers your questionsI am going on a six-month assignment to Italy next month. Can I open an NRI or NRO savings account from there? What is the advantage of ...
    - 24 days ago, 29 Sep 14, 12:12am -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 24 days ago, 29 Sep 14, 12:11am -
  • Consumer loan or credit card loan?
    A discount on the product may make a credit card loan seem cheaper than a consumer durable loan. But missing a payment in case of the former will mean exorbitant charges
    - 26 days ago, 27 Sep 14, 9:30pm -
  • Tax on NPS makes it unattractive
    While PFRDA is taking efforts to make the New Pension System more flexible than earlier, EPF still has the edge
    - 28 days ago, 25 Sep 14, 10:27pm -
  • Bank stocks: Cheap does not mean buy
    Many are now cheaper after stock splits. But look at key parameters
    - 29 days ago, 24 Sep 14, 10:18pm -
  • Diversified funds make more sense
    Blue-chips may improve ETF returns but PSUs could prove a drag
    - 30 days ago, 23 Sep 14, 10:17pm -
  • Markets in comfort zone
    It shows the overall sentiment is good. New investors can take the opportunity to start small
    - 31 days ago, 22 Sep 14, 10:40pm -
  • Why diesel cars still make sense
    The price differential between diesel and petrol has narrowed. But there are still enough reasons to opt for the diesel variant
    - 32 days ago, 21 Sep 14, 10:30pm -
  • 40 Years Ago...and now: Gold - From control to seamless trade
    Despite the recent imposition of import rule and high duties, the yellow metal continues to attract buyers
    - 32 days ago, 21 Sep 14, 10:29pm -
  • Insure against disability too, not merely death
    Rising number of accidents makes it essential to have a personal accident cover, even if you have term life insurance
    - 32 days ago, 21 Sep 14, 10:27pm -
  • Whose fault is it anyway?
    "I had booked a flat in Delhi in 2009 for Rs 20 lakh. I got a loan worth Rs 14 lakh sanctioned for it. I made a down payment of Rs 6 lakh and the lender disbursed Rs 5 lakh. The builder has finally completed the construction and asked for the ...
    - 32 days ago, 21 Sep 14, 10:26pm -
  • Life Insurance: Anuj Agarwal
    I am 23 and have started working in June this year. I want to buy a life insurance policy but don't know which policy to buy. Please help.It is always advantageous to buy life insurance when a person is young, mainly because of the lower cost. ...
    - 32 days ago, 21 Sep 14, 10:23pm -
  • Realty check
    Business Standard brings you a snapshot of average current rates and unit sizes in localities that offer property in a price range of Rs 30-50 lakh. If you are looking at buying real estate and your budget falls within this range, an idea about ...
    - 32 days ago, 21 Sep 14, 10:22pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 32 days ago, 21 Sep 14, 10:21pm -
  • Don't time your equity investments
    Inaction is not all bad. Staying invested will generate higher returns in the long term
    - 33 days ago, 20 Sep 14, 10:06pm -
  • Insurance important for domestic travel
    Besides medical expenses, it provides for extended stay and evacuation in case of natural calamities
    - 35 days ago, 18 Sep 14, 10:12pm -
  • Guarantors can fight 'wilful defaulter' tag
    They can seek relief if their assets are mortgaged or under construction or tied in business ventures
    - 36 days ago, 17 Sep 14, 10:09pm -