Page 21 - Financial Investment

Dangers of rise in crude oil prices

The government has to take a call on reducing or retaining the excise rate. The latter will be politically difficult

Have enough riders to counter monsoon damage

These covers aren't very expensive and there is no waiting period, but keep in mind conditions like the number of claims allowed in a year

Bringing errant doctors to book

Keep a record of all documents or else proving medical negligence and claiming damages will be a big challenge

Jayanagar, Bengaluru: Appreciation in both property rates and rental yields

Readers' Corner: Life Insurance

Lending to friends and family can be risky

Verify the purpose of borrowing and make other members part of the loan, if possible. Maintain a loan agreement for tax purposes

Now, fund houses can't restrict redemptions

Experts say Sebi's new rules to make MFs safer for retail investors but many fund houses disagree

SBI's new ETF is not for the risk-averse investor

Those with requisite risk appetite could bet on SBI's 10-year gilt ETF, using either the asset allocation or tactical investment approach

Game plan to deal with job loss

Reduce frill expenses, monetise your assets and invest in professional development to negotiate the choppy phase

No fear from changes in ready reckoner rates

Even if the deal gets extended to the next calendar year and circle rates go up, the tax liability will not increase

Wellness features in health insurance make sense

While they offer additional benefit, the premiums of these plans are competitive

Are you adequately insured against critical ailments?

Use World No Tobacco Day to evaluate your financial preparedness vis-a-vis critical illnesses

Avoid rejection despite a low credit score

Options you can try include an NBFC or pledging your assets as collateral to garner a loan

Case study

Never too late to buy a term life insurance

For those between 50 and 60, it makes sense to have a policy if you have dependants and liabilities

Smart-index ETFs good for passive investors

While the initial 'smart' index is based on quantitative models, the fund manager has no role to play after that. Being ETFs, they are cheaper as well

Readers' Corner: Taxation

Mulund: Strong rental demand makes it a good investment option

Mulund has good recreational and entertainment facilities, and quality social and civic infrastructure such as educational institutes and hospitals

Relief for purchaser in auction

When a case is delayed, even favourable order and compensation cannot make up for the losses suffered

Own a yacht at a fraction of its cost

Opt for timeshare, fractional ownership or simply rent out, depending on your budget and requirement