Page 560 - Personal Finance

Free health check-up feature from your insurer comes with clauses

The amount for which free check-up is offered can be quite low, while in some policies it comes only after a considerable waiting period

Miss March 31 date to file belated tax return for FY16, risk an I-T notice

This is the last chance you have to file your returns for that year; you will not be able to do so later

Buy into international funds when Indian equity returns run dry

Apart from sustaining your portfolio when the domestic market is faring well, global diversification also safeguards it against currency risk

To buy or lease? Leasing car beneficial for business owner than individual

Besides the thrill of changing cars quite often, a higher tax deduction is available

Who is offering best fixed deposit rates? You must know before investing

Investors in the 20 and 30 per cent tax bracket should calculate the post-tax return

Accrual funds: Rates are usually 150-200 bps more than bank fixed deposits

Crude oil prices are expected to stay high through 2018 while food prices will be dependent on the monsoon

Travel packages and discounts: Book your summer holiday before rates climb

Locking in now will help in ensuring that your budget doesn't get disturbed in case the dollar surges

Estate planning: Plan now if you want your business to outlive you

Drafting of a family constitution and creation of trusts can help family businesses transfer wealth and responsibilities smoothly from one generation to the next

Regret investing in balanced funds? Adopt a suitable exit strategy

When shifting, try to minimise the tax burden arising from this step

Get a third-party cover at the very least if your vehicle is uninsured

A report by the General Insurance Council of India says that approximately 60 per cent of automobiles in India are uninsured

Made a mistake while filing tax returns? Here's how you can fix it

While filing these returns, there is always the possibility of an unintentional or arithmetic error or an omission of details creeping into the return

Readers' Corner: Insurance Policy

Insurance need increases as income and liabilities or responsibilities grow, and therefore it is prudent to keep reviewing one's policy at every life stage

Tipping Point: Has your fund changed its name recently? Read why

A monthly income plan is predominantly a debt fund with a small sliver of equity (15-25 per cent) whereas an equity-savings fund has a higher equity component (around 30-35 per cent)

If you need to invest in debt in long-term portfolio, go for dynamic bonds

If you are in credit opportunity funds, income funds or dynamic bond funds for a long-term goal, stay put

Stringent norms required for transporters while engaging drivers

The National Commission observed that the driver had obtained a driving licence for a light motor vehicle, which was subsequently endorsed for a heavy transport vehicle

Justice through consumer courts: Glass still half full for Indian consumers

While several rulings have strengthened the cause of consumer protection, obtaining justice through consumer courts remains an arduous task

Deadline to pay advance tax ends tomorrow: Here is a step-by-step guide

The income tax laws specify that a certain percentage of advance taxes be discharged on certain specific dates during the year

Cyber security 101: Run a website? Here's how to protect it from hacking

Protect your website even if it doesn't have valuable data, because hackers can mess it up or use it to mine cryptocurrencies and make money for themselves

Use FMPs to tide interest rate volatility if you're okay with lock-in

Longer duration FMPs can give up to annualised 7.7 per cent returns

Insurance coverage: Exclusions for genetic disorders need to be reasonable

After the Delhi High Court's recent ruling, blanket exclusion of genetic disorders from coverage is likely to become a thing of the past