Page 622 - Personal Finance

Gold bonds will score over ETFs

Invest in these for the long term; a Fed rate hike and an import duty cut by the government could trigger a correction in the next few months

Gift cards now come loaded with features

You can choose the type, make different kinds of transactions and even sell them

Yellow metal is off its high, should you invest in gold bonds right now?

In the short term, a possible Fed rate hike and an import duty cut by the government could trigger a correction

Getting justice in cyber crime is difficult

The onus is on the customer to prove that the bank is at fault

Watch out! Lenders are now tracking your social media profile

Bank algorithms tracking social media profiles to assess creditworthiness of potential borrowers

Loan deals for your festive purchase

Households prefer bonds

Retail investors aren't nimble enough to book profits by investing in debt funds

A strong case for long-term FDs

Banks are offering similar interest rates for short and long-term deposits; the latter is preferable for safe returns

File a consumer case jointly for faster relief

Ensure all of you have a common grievance; new national forum verdict loosens rule

Security breach: Don't ignore banks' advice to change ATM PIN

Leakage of data from ATM due to compromise of systems could lead to fraudulent withdrawal from your account

Realty check

Small savings schemes are still attractive

For longer tenure products, they offer higher returns compared to other instruments. But for shorter tenures, things are getting tighter for investors

Get rewarded for good behaviour

Banks and insurers are beginning to reward customers who show exemplary conduct with lower prices and penalise those who behave poorly by imposing higher costs

Taxation: Kuldip Kumar

No time limit for poor-service complaint

The district and state forums rejected the claims earlier because there was a delay of 15 years in filing the complaint

Policies covering AYUSH have stringent conditions

Ensure that the treatment is done at a government-recognised or accredited hospital

Weigh pros and cons of benefit-based products

While premium of these policies is constant, you could be left without a cover once their term expires

Market speak: Janakiraman R

Look for consistency in mid-cap funds

Even this time it 'isn't' different

High valuations are riding on liquidity. A bear market can be triggered if the US Fed raises rates

Loan against property: The dos and don'ts

Frequent balance transfer in search of a lower rate can be tricky for borrowers, if property prices fall