Page 475 - Personal Finance

Insurance covers that can help mitigate financial blow during calamities

Natural calamities can wipe out your assets completely, and life cover is not enough. Sarbajeet K Sen guides on having home, car and health insurance

Festive season calls for tempting deals, here's how to avoid being tricked

E-commerce as well as physical retailers use tricks to make you spend more, or to make you purchase goods they want to sell

Good news: Your stay at luxury hotels to be less expensive from today

Travellers staying in a hotel room costing over Rs 7,500 per night will now have to pay GST of 18 per cent, against 28 per cent earlier

SBI account holder? Know new ATM withdrawal, loan rules kicking in today

SBI will use repo rate as the external benchmark to price all new floating-rate loans for MSMEs, housing and retail loans and credit for medium-sized enterprises from today

Be watchful of expense ratio you pay if your fund manager can't outperform

Coughing up a high expense ratio year after year makes no sense if your fund manager is unable to outperform

Liquid fund linked to medical benefits works for senior citizens

ICICI MF's new product allows investors in the fund house's liquid fund to pay for health care expenses

Chill, pump adrenaline or simply go local at these upscale hill resorts

While they seem to cost quite a packet at first glance, the plethora of activities they offer to both, the passive and the passionate vacationer, make them a great value proposition

Planning to take a car loan? Some lenders have waived processing fee

Be on the look out for more such offers during this festive season

Small-cap investing strategy

Always keep in mind that it can rise or fall by 20-40 per cent in a given year

Are fixed-floating rates a sound option for retail home loan borrowers?

Two leading industry experts debate the merits and demerits of the new fixed-floating rate product that the SBI chairman proposed recently

Why investing in well-diversified debt funds is a smarter choice

While portfolio concentration can boost the returns of equity funds, it offers no benefit in case of bond funds

Fund pick: Mirae Asset Large Cap Fund

Mirae Asset Large Cap Fund

Haven't received your tax refund yet? Validate your bank account first

This year onwards, tax department is only issuing e-refunds directly into the bank

How to prepare yourself financially when you know layoffs are coming

As soon as you detect straws in the wind-peers receiving the pink slip, projects getting shelved, etc.-start preparing for the worst

Reality check: snapshot of current property rates in Bhopal, Coimbatore

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

Tipping point: Should you invest in a world gold fund?

While gold exchange-traded funds have given one-year category average return of 23.28 per cent, international gold funds have given returns of above 30 per cent over the same period

Policy porting to overseas health cover, answers to your insurance queries

There is a provision for porting your existing health policy to another insurer, keeping the continuity benefits

Co-operative banks are riskier, park only part of your money with them

The difference in interest rate between State Bank of India and PMC Bank's 5-year deposit is 100 basis points. Do not go for riskier options like co-operative bank only for the higher return

The lure of gold

Have a 10-15 per cent allocation to gold in your portfolio. Since this is an asset class whose value fluctuates quite a lot, build your exposure by investing systematically

Soon pay health insurance premium on monthly, quarterly, half-yearly basis

The Insurance Regulatory and Development Authority's move is expected to give more flexibility to insurance companies