Page 697 - Personal Finance

High time for India to have a fair credit reporting law

Legally bind your property transaction

A legal agreement of sale prevents buyer and seller from going back on their word

Pragmatic rules of investment

Develop a special familiarity with an investment play you are comfortable with

Managing your ailing parents' portfolio

Start by creating a power of attorney and prepare a proper will to ensure a smooth financial transition

Reclaim your inoperative EPFO a/c money

Claim the money before it is shifted to the senior citizen fund. The process takes almost a month

There's still hope if you're holding shares of delisted company

Sell it to the company during the next year. If you miss the deadline, try the secondary market

American Express allows cardholders to pay with points

Cardholders can pay with points across 750 retail, dining outlets

PSUs cheaper, private sector banks score on service

For those who use basic services and visit the branch often, there isn't a big difference between the two

Tata Capital offers Flexi EMI loans

Looking at over 20% growth in retail loan book

Use correction to enter the market

Direct investors should stagger their investments over 1-2 months; others can enter through MF SIPs

Case study

Realty check

budget: Rs 2.5-Rs 3 crore

How EPFO proposals will impact you

Though the deduction will be higher and net take-home pay will fall, you can get a significant tax benefit

General Insurance: Rakesh Jain

Waiting too long for grievance redress can be counter-productive

40 years ago...And now: Stock markets still suffer trust deficit

Sensex has moved from 100 to almost 30,000, but uncertainty lingers in the minds of retail investors due to scams

A roller-coaster ride for investors

While a speedy e-auction has raised valuations of coal allottees, the long timelines will sink in later

The cost of filing belated tax returns

Returns for income earned till FY12-13 can be filed till March 31. But you might have to cough up a penalty and pay interest on the tax liability

I-T to closely scrutinise foreign assets held by Indians

The drive initiated under the guidance of I-T apex policy making body -Central Board of Direct Taxes

Have you closed the loan completely?

Remember to take important documents like no dues certificate, statement of account and others from different lenders