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Moneycontrol Personal Finance

  • Investing in gold adds stability to one's portfolio: Expert

    Investing in gold adds stability to one's portfolio: Expert

    Watch the interview of Vijay Chhabria, CFA at Prudent Investment Advisors with Latha Venkatesh Reema Tendulkar on CNBC-TV18, in which he spoke about investment in gold.
    - 1 day ago, 29 Oct 14, 3:56pm -
  • Fixed home loan rate: Is it in vogue again?

    Fixed home loan rate: Is it in vogue again?

    Fixed rate of interest loans for time being are to be avoided. These loans though claim to be offering fixed rate throughout the loan tenure, there is a reset clause at the end of three years or five years, which in a way enables bank to reprice the loan or put simply - change the interest rate on the home loan.
    - 3 days ago, 27 Oct 14, 5:20pm -
  • Financial tips for students: Guide to financial freedom

    Financial tips for students: Guide to financial freedom

    Impulse purchase can be classified as an unplanned expenditure. Research states that feelings and emotions play a very important role in case of an impulse purchase, which gets triggered on seeing a promotional ad, offer etc.
    - 3 days ago, 27 Oct 14, 5:19pm -
  • Satellite cities: The New Investment Mantra

    Satellite cities: The New Investment Mantra

    These satellite cities, which are based on the integrated township model but on a much larger scale, offer urban dwellers the possibility of living in an environment of tailored infrastructure and with a vastly increased comfort and convenience quotient.
    - 3 days ago, 27 Oct 14, 5:13pm -
  • Home loan guide: Mistakes to be avoided

    Home loan guide: Mistakes to be avoided

    Before you start the process of home loan application, ensure that you are well aware about the details such as personalized credit score or CIBIL (India’s leading credit rating agency) score. It is more advisable to pull out the personalized score on a regular basis to be clear if it is free from identity thefts.
    - 3 days ago, 27 Oct 14, 5:05pm -
  • Refinancing your home loan: What, why when?

    Refinancing your home loan: What, why  when?

    There are several ways that a new refinanced loan can help your family manage their monthly budget as well as long term financial goals. Below are the two primary reasons that you may want to consider refinancing your home loan.
    - 3 days ago, 27 Oct 14, 5:04pm -
  • Earn, save, spend! Financial mantra for youngsters

    Earn, save, spend! Financial mantra for youngsters

    A simple mantra is to adopt an 'Earn-Save-Spend' habit, as against the easier and tempting 'Earn-Spend-Save' habit. Be disciplined to save at least 10% of what is earned. This can increase depending on personal circumstances.
    - 3 days ago, 27 Oct 14, 5:01pm -
  • How to save income tax grow your money ?

    How to save income tax  grow your money ?

    Section 80E allows the entire interest paid on education loan as deduction from the assessment year relevant to the previous year in which the assessee begins paying interest and seven subsequent years.
    - 3 days ago, 27 Oct 14, 3:29pm -
  • Looking to invest in gold? Here's help

    Looking to invest in gold? Here's help

    Watch the interview of Hemant Rustagi, Wiseinvest Advisors with Sonia Shenoy Reema Tendulkar on CNBC-TV18, in which he spoke about investments in gold.
    - 3 days ago, 27 Oct 14, 3:28pm -
  • Your commercial property taxation around it!

    Your commercial property  taxation around it!

    For calculating the income taxable under the house property head, the taxation laws allow you two deductions. The first deduction is standard deduction in respect of repairs etc. at the flat rate of 30% of the annual value calculated as above.
    - 3 days ago, 27 Oct 14, 3:27pm -
  • Five 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
    - 8 days ago, 22 Oct 14, 6:19pm -
  • The 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
    - 8 days 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.
    - 9 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.
    - 14 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.
    - 14 days ago, 16 Oct 14, 12:08pm -

Moneycontrol - Brokerage Recos

India Infoline - MF News

  • newTrivia: World Bank, IMF and Tata Communications etc.

    Trivia: World Bank, IMF and Tata Communications etc.

    India offers support to Sri Lanka in helping hundreds of people affected by the landslide in Uva province of the country.
    - 2 hours ago, 30 Oct 14, 6:32pm -
  • newWhen should you buy a car?

    When should you buy a car?

    No worries because a smart car buyer could always earn big discounts on that new car if the purchase is well-planned.
    - 2 hours ago, 30 Oct 14, 6:23pm -
  • newFive ways of utilizing Credit Card offers

    Five ways of utilizing Credit Card offers

    A credit card taker has not to just filter among the best rewards, but he has to also look at other important criteria like annual fee, interest rate and period of free credit.
    - 2 hours ago, 30 Oct 14, 6:20pm -
  • newSME Wrap: Medium Enterprises need guidance in Odisha

    SME Wrap: Medium Enterprises need guidance in Odisha

    The ignorance of the government is reflective from the absence of district magistrates (DM) from periodical meetings aimed to address industrial grievances.
    - 2 hours ago, 30 Oct 14, 6:15pm -
  • newRetail Wrap: SoftBank, Snapdeal and Dairy Queen etc.

    Retail Wrap: SoftBank, Snapdeal and Dairy Queen etc.

    As per a research report released by Nomura, the e-commerce industry in India could grow four times to $43 billion within five years, where online retail will claim the bigger pie.
    - 2 hours ago, 30 Oct 14, 6:13pm -
  • newTitan Q2 net profit at Rs 2399.80 mn

    Titan Q2 net profit at Rs 2399.80 mn

    Total Income has increased from Rs. 23593.50 mn for the quarter ended September 30, 2013 to Rs. 36108.70 mn for the quarter ended September 30, 2014.
    - 2 hours ago, 30 Oct 14, 5:47pm -
  • newHow to reach out to B schools for UG program?

    How to reach out to B schools for UG program?

    The essays are meant to reflect aspects of the applicant which is beyond general transcripts and certificates. An interesting but meaningful life experience might get that edge for his admission.
    - 3 hours ago, 30 Oct 14, 5:28pm -
  • newEXL acquires Overland Solutions

    EXL acquires Overland Solutions

    Overland Solutions helps clients increase their revenue and manage their operational costs.
    - 3 hours ago, 30 Oct 14, 5:26pm -
  • neweClerx's H1 FY15 revenue up 11%

    eClerx's H1 FY15 revenue up 11%

    Operating revenue for the half year ended September 30, 2014 was Rs 449.2 crore vs. Rs 404.5 crore in the corresponding period last year,
    - 3 hours ago, 30 Oct 14, 5:24pm -
  • newRupee closes at 61.45 against dollar

    Rupee closes at 61.45 against dollar

    The Sensex hit life-high of 27,391, whereas Nifty hit all-time high of 8,182.
    - 3 hours ago, 30 Oct 14, 5:20pm -

Business Standard Smart Investor

Business Standard PF

  • newInflation linked bond funds have limited utility
    Wouldn't you want to protect your investments from inflation? Earlier investing in gold was the only option
    - 1 hour ago, 30 Oct 14, 6:50pm -
  • newGet the car glitch fixed
    With Honda Cars India joining the list of global companies to announce a recall to replace faulty airbags in Brio, Amaze and CR-V built during September 2011- July 14, buyers would be worried if their cars also need the necessary repairs and, if ...
    - 22 hours ago, 29 Oct 14, 10:20pm -
  • Paying by EMI is convenient, cheaper than revolving card dues
    Taking another loan to pay off the outstanding dues can impact credit scores
    - 2 days ago, 28 Oct 14, 9:53pm -
  • 5 questions you should ask a mutual fund seller
    It is important to know whether you are being sold the right scheme; these questions will help elicit the answers needed
    - 3 days ago, 27 Oct 14, 10:12pm -
  • 7 benefits if Insurance Bill is passed
    It will allow more transparency in policies and flexibility in premium payment, besides improving processing of claims
    - 4 days ago, 26 Oct 14, 10:30pm -
  • Follow FIIs on large-cap segment alone
    Use the buy-and-hold strategy for three to five years and you are most likely to be a winner
    - 4 days ago, 26 Oct 14, 10:29pm -
  • Best to exit stocks stuck in regulatory mess
    These could fall sharply, eroding your wealth; also, as recovery might take long, booking losses might be sensible at times
    - 4 days ago, 26 Oct 14, 10:28pm -
  • Tour organiser can be held liable for deficiency
    Tour operators cannot be ignorant of the tour itinerary and let the tourists undertake the tour at their peril
    - 4 days ago, 26 Oct 14, 10:26pm -
  • Good connectivity to Delhi, Gurgaon; reasonable prices
    Bhiwadi is located in the Alwar district of Rajasthan, and is an emerging industrial destination in the NCR. Located at just 40 km from Gurgaon, Bhiwadi is witnessing a shift from its erstwhile image as a mere industrial area to destination with ...
    - 4 days ago, 26 Oct 14, 10:25pm -
  • Life Insurance: Anuj Agarwal
    What is the difference between an endowment policy and money-back policy? Which is better? An endowment policy, as the word suggests, 'endows' you with a promise to pay a sum of money on surviving till the end of the chosen policy term, and also ...
    - 4 days ago, 26 Oct 14, 10:24pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 4 days ago, 26 Oct 14, 10:22pm -
  • Why are you investing?
    Merely choosing investment products in accordance with your risk profile is not enough. Consider all your requirements before deciding where to put your money
    - 5 days ago, 25 Oct 14, 9:17pm -
  • Credit score can fall despite loan repayment
    Making too many loan enquiries or asking for a higher credit limit could lead to a lower score
    - 8 days ago, 22 Oct 14, 10:02pm -
  • Toss-up between banks and transfer agents
    Shop around for the best exchange rate and the lowest fees
    - 9 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
    - 10 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
    - 11 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
    - 11 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
    - 11 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
    - 11 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 ...
    - 11 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 ...
    - 11 days ago, 19 Oct 14, 10:22pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 11 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
    - 12 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
    - 14 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%
    - 15 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
    - 16 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
    - 17 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
    - 18 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
    - 18 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
    - 18 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 ...
    - 18 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 ...
    - 18 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 ...
    - 18 days ago, 13 Oct 14, 12:04am -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 18 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
    - 19 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
    - 21 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
    - 22 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
    - 23 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
    - 25 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
    - 25 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
    - 25 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 ...
    - 25 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 ...
    - 25 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. ...
    - 25 days ago, 5 Oct 14, 11:04pm -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 25 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
    - 26 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
    - 29 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
    - 30 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
    - 31 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
    - 32 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
    - 32 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
    - 32 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
    - 32 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 ...
    - 32 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 ...
    - 32 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 ...
    - 32 days ago, 29 Sep 14, 12:12am -
  • Case study
    Business Standard analyses one family's finances and suggests a way forward
    - 32 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
    - 33 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
    - 35 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
    - 36 days ago, 24 Sep 14, 10:18pm -