Page 588 - Personal Finance

Every downgrade doesn't call for an exit

Fund investors should check strength of bond's promoter group, where rating stands after downgrade

Hotspot: Bhugaon in Pune is 30-45% cheaper than nearby areas

Cost of apartments here ranges between Rs 30-70 lakh, which is 30-45% lower than in Bavdhan, Kothrud

Review your portfolio when funds change

If a scheme deviates too far from its mandate, look for an alternative

Will GST apply for payment made for March work?

GST law requires recipient registered under it to deposit liability under reverse charge mechanism

Options for buyers when builder goes bankrupt

Consult legal experts before changing status from title owner to creditor to the developer

The twin balance sheet problem

Power and telecom are two sectors which can hurt banks very badly

Look before you leap from listed to unlisted equities

First, gain some experience by investing in small- and micro-cap companies for longer tenures

Filing a revised tax return is quite easy

Revision has to be done before deadline or completion of assessment, whichever is earlier

Sell multiple houses and invest in one to avail yourself of tax benefits

Do stick to the timelines mandated by the tax laws

Readers' Corner: Financial planning

SIP in equities is not quite the same as doing SIP in a mutual fund

Tipping Point: Why have Aadhaar numbers been deactivated?

Unique Identification Authority of India (UIDAI) has deactivated about 8.1 million Aadhaar cards

Include bank locker in home insurance

Since banks won't compensate customers for loss of goods in locker, onus is on you to safeguard them

Claim escalation cost for delayed project

Delay in civic and other permissions can't be considered force majeure. It is deficiency in service

There are no shortcuts to making money

Investing on SMS tip or in a fixed deposit offering high-interest are common follies of investors

Minimise card frauds abroad by disabling the option

If the transaction goes through, approach the bank immediately with details

Fixed-line internet is cheaper than 4G network

It is consistent and translates into a better experience for users

What is the impact of GST on trust registered under Section 12AA?

Exemption to continue for charitable services rendered by trust registered under the Income Tax Act

A case for bitcoin

While it is perceptibly riskier, it could be a major gainer in an uncertain global environment

Don't spread your investments too thin

Consolidation of schemes can be both costly & slow. Nonetheless, bite the bullet to improve returns

Global cyberattacks prompt India Inc to run for cover

Premium for a policy covering loss of reputation may be about 3 per cent of the sum insured