Page 458 - Personal Finance

Pay as you go: Irdai initiave aims to attract low-mileage car user

The idea behind such policies seems to be - lower the mileage, lower is the probability of an accident

Does gold remain a good investment? Yes, but exercise some caution

The strong performance does not mean that the bull run in the yellow metal has run its course

Realty check: Current rates and unit sizes in the Rs 1.5-2 cr price range

If you are looking at buying real estate, an idea about prevailing rates would come in handy

When concession is a penalty

The new optional tax regime is likely to become the only one available in a few years. This will affect real estate

Can insurance and vehicle ownership be in different names? Expert answers

Can you claim refund on a curtailed trip?

How to tame the market? Doing simple things well is a cliche, but follow it

Don't go lock, stock and barrel on equities

Investors making a beeline for foreign properties must be mindful of rules

Since there will be tax incidence in the foreign country, an investor has to seek credits in India

Planning to buy FAANG stocks? Cube Wealth, Vested make your job easier

Since the US and India have DTAA, you will pay tax only once. Dividend income, however, is taxed at 25% in the former

Slowdown effect? Salary increase in 2020 may be lowest in a decade at 9.1%

However, 39% of companies still plan to offer increases of 10% or more: Aon survey

If you give money for a good cause, I-T Act offers you tax benefits

Section 80G deduction can be availed of by a person who makes an eligible donation, but conditions apply

Smart tips on buying chandeliers and other lighting fixtures for your house

When you're out buying one, don't be over-obsessed with utility; pick up a piece that has aesthetic appeal and gels with the living area or bedroom

Lock into current term insurance premiums, new rates unlikely before Apr 1

The sale of term plans gathered pace only over the past four-five years

Track the number of days you spend in India to avoid the taxman's knock

Any discrepancy between what you report and the records of the government could land you in trouble

Opportunity in refinery stocks

However, energy prices can reverse direction sharply and suddenly

E-Will is a cost-effective option, but may not satisfy everyone's needs

It may not be suited for special situations, or where there is a risk of litigation

Need emergency cash? Use loan against gold to get out of a debt trap

If you are caught in a debt trap, take a gold loan to pay your credit card dues.

NRIs to gain more than resident Indians from govt's move to remove DDT

High-income resident Indians will end up with a higher tax outgo

Fund pick: HDFC Small Cap Fund

Fund pick: HDFC Small Cap Fund

Planning to invest in small-cap funds? Be prepared for high volatility

Another positive of small-cap stocks is that they have a high correlation with the economic growth cycle

Choose instruments with a higher lock-in period to get better returns

Experts say this is still a good time to get locked into good rates before other banks also start cutting them aggressively