Page 715 - Personal Finance

The govt needs to intervene

A govt with reformist intentions and friendly govts in major states can do a lot to encourage investments

Book some profit and wait

Investment advisors say taking 20% of money off the table won't be a bad idea. However, continue with SIPs

A trip to Europe will be cheaper this summer

As the rupee has gained against the euro and other currencies, booking now will help get better packages

How to avoid double taxation

Two case studies on how one can use the exemption method or the credit route

Govt decides to pay 8.75% interest on PF for 2014-15

The decision will now be notified by the Labour Ministry as also by the Income Tax Department

Frauds through innovative instruments

Scamsters are offering 24% annual dividend on preference issues

Insurance for OPD, day care procedures is expensive

Check all details while choosing a policy. Maintain all records to ensure claim is reimbursed

Don't rush to do MF deals on exchange platforms

Despite no-demat rule, investors must assess online options before taking exchange route

Is a recovery agent calling you unnecessarily?

Calls are being made to customers who have not taken a loan. Rectify the issue immediately

40 years ago...And now: Stock market investing - You can't sow today and reap tomorrow

Esops make a comeback

However, in the case of unlisted firms or start-ups, it is a risk one is taking, as the valuations aren't known. Look at these only as additional benefits

Case study

Getting education loans despite tougher norms

Despite banks' reluctance, it's possible for students of less reputed institutes to get these. Keep some basics in mind

Debt Counselling: Sanjay Agarwal

Good connectivity drawing end-users and investors

Hot Spot: Kondhwa, Pune

The lure of gold: Why Kisan Vikas Patra can't cure it

Sensitivities about sugar

Price revision mechanism will have to be swift to tackle the difference between ethanol and crude oil

Reits work better than direct investment in realty

Transparency and higher liquidity give Reits the edge in the long run

ICICI Bank launches new credit card with American Express

Grants extended credit period offer that allows customers to carry over retail purchase balances in first two billing statements by paying the minimum amount due

For tax saving, consider only a few instruments

With insurers, fund houses and others pushing products during this time, do the numbers first