Page 734 - Personal Finance
Inoperative A/c norms should be strictly followed: EPFO
As per the modalities for settlement of claims out of inoperative accounts, attestation of the claim by the employer is needed
 "Inoperative A/c norms should be strictly followed: EPFO")
Gold spend on a high, says NSSO
Real estate buying dropped between 2004 and 2012
 "Gold spend on a high, says NSSO")
Does a housing investment pay at all?
You may not believe it but data show average real appreciation in residential property in urban India over 2007-14 was zero
 "Does a housing investment pay at all?")
Money supply to stay on easy side
Historic valuations must be adjusted upwards and investors must mentally adjust valuation expectations up
Use higher 80C limit to take more equity exposure
Those above 45 years of age can divide the amount between PPF and ELSS or try prepaying the housing loan, if not done so far
 "Use higher 80C limit to take more equity exposure")
Stable, predictable tax regime to help investor confidence
Unlike investors who can perhaps be jacketed as retail or corporate, investor confidence is a single unit that swings together
 "Case study")
How do air crash victims get compensated?
Passengers are entitled to compensation under an international convention
 "How do air crash victims get compensated?")
Micro-market turned into a self-sustaining area
Hot Spot: Whitefield, bangalore
Not all debt funds are bad even now
Use these for investment up to one year. Investors in lower tax bracket should choose the growth option
 "Not all debt funds are bad even now")
Indian insurers likely to collect Rs 427-cr online premium in FY15: R K Nair
Says there is a huge opportunity for insurers as many people are still excluded from insurance bracket
 "Indian insurers likely to collect Rs 427-cr online premium in FY15: R K Nair")
Errors to avoid when filing returns
The tax department allows you to revise returns for mistakes, but there are strict conditions attached
 "Errors to avoid when filing returns")
EPFO issues 41.7 million UANs for seeding with workers' KYCs
UANs will be operational in Oct as the process of seeding with the KYC documents like Aadhaar will be completed by Sept 15
 "EPFO issues 41.7 million UANs for seeding with workers' KYCs")
Should you roll over your FMPs for 3 years?
Base the decision on more than your potential liability under the new tax rules
 "Should you roll over your FMPs for 3 years?")
Good time to invest in infrastructure
Only, you don't have to get into pure infra funds; can do so through equity diversified ones as well
 "Good time to invest in infrastructure")
Can timely payment of claims be guaranteed?
It may not always be assured. Coverage of scheme limited; time of applicability not clearly spelt out
 "Can timely payment of claims be guaranteed?")
PF account holders to soon receive universal numbers
Once a UAN is allotted to an employee, he or she need not go through his or her employer to provide details to EPFO, unlike now
 "PF account holders to soon receive universal numbers")
Can a housing society expel its member?
Yes, but procedure is not easy. If expelled, member loses the right to his property
 "Can a housing society expel its member?")
File tax returns on time
It helps revise returns, carry forward losses and get refunds on time
 "File tax returns on time")