Page 11 - Karthik Jerome

For car loan, check lenders on their total borrowing cost and service

Select companies that offer easier terms for repayment of the loan

Use price dips for 10% allocation as gold continues to lose lustre

Use price dips to build a 10% allocation to gold

Student travel insurance cover: Buy before setting off to study abroad

But ensure that your policy aligns with your foreign university's requirements

Party over? If overweight, pare exposure to US technology companies

Allocation to it should not exceed 25% of your total exposure to country's market

Relying solely on corporate health insurance plan can impact your finances

Supplement it with a retail plan with adequate sum insured, and no room rent or disease-wise capping

Rush for cover: For claiming insurance on flood-damaged home, act on time

Do not start a flooded car as it could cause further damage that may not be covered by your motor policy

Pair base insurance policy with super top-up to limit premium cost

Opt for insurers with lenient no-claims bonus policies to tackle need to hike sum insured periodically

Why balanced advantage funds are back in the reckoning with investors

People moving from fixed-income should use them as a stepping stone into the equity markets

Don't dodge lender if default is imminent; request for loan recast instead

Also explore options such as swapping higher-cost debt with lower-cost alternatives, and debt consolidation

Onus on taxpayers to make correct declaration about LRS remittances

TCS on LRS will also apply to remote education and medical consultancy

Fair valuations, rising prices augur well for realty sector returns

Select locations well connected to economic hubs, avoid over-leveraging

Tech use, reviews, rating: What to look for when picking a stockbroker

List your requirements and shun firms with a high number of complaints against them

Strike balance between borrowers' risk profile, returns in P2P lending

Study the record of loan portfolios before choosing a platform

Polygon-backed Davos Protocol raises Rs 10 crore in TVL in two months

The decentralized stablecoin claims to differentiate itself through transparency and decentralization, backed by various crypto assets managed on-chain

Avoid too-good-to-be-true offers when doing travel booking online

While on a trip, don't conduct sensitive transactions over public Wi-Fi

Course, institute determine lender's willingness to offer an education loan

A co-borrower with a good credit score and adequate collateral can expedite approval

Did you know? Bank's liability is 100 times annual rent of a locker

Bank branch that has run out of lockers must put you on a waiting list

Denied insurance coverage due to mental health condition? Persevere

Underwriting standards vary, so another insurer might well accept your proposal

Utilise enhanced SCSS limit, but diversify your retirement corpus

Money should also be invested in instruments that offer growth, longer lock-in, and liquidity

Rs 2,000 note withdrawal: Do not panic, you're not back in November 2016

Those with accounted cash shouldn't worry; but be aware of SFT reporting thresholds, limits on cash transactions, and PAN requirement