Page 598 - Personal Finance
No auction without title of vehicle repossessed for payment default
Lenders who violate this norm can be charged with deficient service
 "No auction without title of vehicle repossessed for payment default")
Changing jobs? Here's how to file your income tax returns
It's better to inform new employer about income earned and deduction availed with the previous one
 "Changing jobs? Here's how to file your income tax returns")
Here's how to make your investment portfolio more resilient
In the event of a market correction, dividend yield can stem erosion in value of your portfolio
 "Here's how to make your investment portfolio more resilient")
Filing returns is tricky if you play the stock markets
Salaried individual needs to file returns as a business owner if he has a high turnover
 "Filing returns is tricky if you play the stock markets")
Invest in consumption
Data indicate a pickup in retail consumption and increase in consumer confidence
 "Invest in consumption")
GRAPHIC: Make the most of current home loan rates
Shop around and weigh the pros and cons of various offers before deciding on a lender
 "GRAPHIC: Make the most of current home loan rates")
Technology and you: Some investments are cheaper when done digitally
But, intermediaries can offer better personalised advice
 "Technology and you: Some investments are cheaper when done digitally")
Don't diversify beyond a point
Too much diversification harms your chances of beating the broad market indices convincingly
 "Don't diversify beyond a point")
Credit card balance transfers to personal loans are easy today
Lower interest rates, longer repayment tenure are advantages, provided you service the EMI regularly
 "Credit card balance transfers to personal loans are easy today")
Tipping Point: What is MCLR?
If you took a home loan after April 2016, it would be linked to a benchmark called MCLR
 "Tipping Point: What is MCLR?")
Here are the locals that offer property in the price range of Rs 1.5 - 2 cr
Business Standard brings you a snapshot of average current rates and unit sizes in localities
 "Here are the locals that offer property in the price range of Rs 1.5 - 2 cr")
Readers' Corner: Taxation
There should not be any problem so long as as you are using the correct applicable form
 "Readers' Corner: Taxation")
Don't panic if there's a downgrade in your debt fund
Medium and long-term funds always face credit risk. If you can't stomach volatility, stick to FDs
 "Don't panic if there's a downgrade in your debt fund")
Bank portability: A good suggestion
The RBI could pass rules to help customers who want to shift their loan from one bank to another
 "Bank portability: A good suggestion")
Bitten by the bitcoin bug?
Investors need to weigh risks and rewards of alternative asset class carefully before betting on it
 "Bitten by the bitcoin bug?")
Supplement your health insurance with top-up, critical illness covers
CI cover is useful if you have liabilities; top-up plans cover all diseases
 "Supplement your health insurance with top-up, critical illness covers")
Max Life, HDFC Life likely to approach Irdai with alternate plan
Lawyers, investment bankers of involved parties working on a simpler plan, say sources
 "Max Life, HDFC Life likely to approach Irdai with alternate plan")
First-time equity investors should bet cautiously
Excessive allocation to equities, or to mid and small-cap segment within it can cost you dearly
Little-known firms which have caught the fancy of fund managers
Domestic fund managers are always on lookout for little-known companies with encouraging prospects
 "Little-known firms which have caught the fancy of fund managers")
Where's the proof? Just rent receipts are not enough to prove HRA claim
You need to have a leave & license agreement, proof of money paid and proof of owner's tax status
 "Where's the proof? Just rent receipts are not enough to prove HRA claim")