Page 487 - Personal Finance

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

Why high cash calls could be a double-edged sword for fund managers

The bottom line is whether the fund manager has been able to generate alpha with this strategy

Consumption needs to revive

The cut in corporation tax rate could potentially boost margins of companies

Getting close to retirement? You should shift towards debt-heavy portfolio

Usually, personal finance advisors suggest gradually lowering equity exposure closer to retirement, but maintaining a portion in good quality stocks or mutual funds can add sheen to the portfolio

Buying a new car? Leasing, subscription work better if your usage is low

But if you clock over 2,500 km a month, it makes sense to buy a car

Switching to repo-linked home loans? Five things you need to know

You will gain from their transparency

Healthy food options that diabetics can satiate their taste buds with

Foods low on glycemic index and high on fibre can be just as delectable as normal restaurant fare. And you needn't ditch your dessert, as there are plenty of diabetic-friendly options here too

India vs South Africa 3rd T20I LIVE scoreboard

India vs South Africa 3rd T20I LIVE scoreboard

Non-life insurance premiums up 17% in August to reach Rs 15,964 cr

Among these, the 25 general insurance providers had a combined premium of Rs 12,447.10 crore during the month, up by 12 per cent

Penny wise and pound foolish: Why hiring a financial advisor is a good idea

The cost of poor decisions on your finances is usually much higher than what you would spend on an advisor's fee

Fund pick: IDFC Government Securities Fund- Investment Plan

Fund pick: IDFC Government Securities Fund- Investment Plan

Investigate steep decline in a debt fund's AUM as it can spell trouble

After massive redemption, exposure to poor-quality, illiquid papers can rise to unacceptably high levels

HDFC, Motilal Oswal property funds look to buy cheap assets in realty slump

HDFC Property Fund is raising a $500-million (Rs 3,600 crore) private equity (PE) fund