Page 606 - Personal Finance

Filing I-T return? Do remember to claim benefits on your reimbursements

However, if the amount is substantial, the I-T department may seek more details

Insurance corner: IRDAI hikes motor third party premium

For private cars exceeding 1,500 CC the increase in TP premiums was 40%

Diversify across sectors for stable returns

In 2010, real estate companies fell 26% and in subsequent year, they fell another 52%

Buy currency now for foreign trips in near future

Carry dollars in cash if you are going to a country whose currency is not popular

Seeking greener pastures

Most specialists, like bankers, don't hold stocks of their own sector

Profit from agility of small-sized funds

There are many schemes with assets of less than Rs 1,000 crore that have a sound performance record

EPFO to loop in 1 crore workers through higher wage ceiling of Rs 25,000

Hike in the wage ceiling would mean an additional burden of about Rs 2,700 for the Centre

Taxing times: Make an early start on tax planning

Maintain asset allocation and invest based on risk profile

Interest rate on PPF, Kisan Vikas Patra, Sukanya Samriddhi lowered by 0.1%

Interest on savings deposits has been retained at 4% annually

Cibil to now help borrowers get the best loan

Banks will pay fees to Cibil, while customers need not pay any charges

Insurance sector: A snapshot of growth, new products and grey areas

At 3.44%, the penetration figure is the second lowest since 2005-06

BS Insurance round table: 'Licences shouldn't be given for 2-3 years'

Heads of leading insurance companies came together to discuss the challenges facing the industry

EPFO defers decision to hike investments in ETFs from 10% to 15%

However, CBT agrees to cover 62 lakh volunteers under the EPFO's social security scheme

Avoid realty stocks despite sharp rise

Investing in indirect beneficiaries of govt policies such as HFCs may be more fruitful

Home loan interest too high for Indian buyers: Study

This is making buyers dig into savings to own a house

Regulatory arbitrage means more mis-selling

While Irdai recently raised commissions, Sebi has been aggressively cutting them for distributors

Realty check

Business Standard brings you a snapshot of average current rates

Readers' Corner: Taxation

Kuldip Kumar, partner and leader, personal tax, PwC India, answers your questions

Tipping Point

The PE ratio compares the price of the stock to its earnings per share

Receipt of cash is payment

As builder had not disputed payment of cash, amount can be treated as received, the Commission said