Page 741 - Personal Finance
Cashback, lower prices encourage online shopping: Survey
The survey covered over 3,200 online shoppers to understand buying behaviour
 "Cashback, lower prices encourage online shopping: Survey")
Mumbai has highest number of critical illness insurance policies
The ICICI Lombard survey also shows that overall, less than half of the respondents own a health insurance policy
 "Mumbai has highest number of critical illness insurance policies")
NCDs: Attractive rates, mind the tax
Investors in lower income tax bracket stand to benefit more. The highest bracket has more options
 "NCDs: Attractive rates, mind the tax")
E-gold repayment: Don't look for profit
Investors will get the money directly in their demat accounts or through their brokers. They won't get physical delivery any more
 "E-gold repayment: Don't look for profit")
Rider or top-up?
Go for add-ons when you know the cost of treatment. When costs can run high, increase hospitalisation cover
 "Rider or top-up?")
Retail investors don't need safety net
Improving their risk-taking ability will only hurt them and encourage speculation
 "Retail investors don't need safety net")
The Kingfisher and Wipro lesson
Retail investors would do well to remember that 'buy and hold' works but only for good companies or stocks
 "The Kingfisher and Wipro lesson")
Get your house in order before applying for home loan
Even unused credit cards and non-filing of income-tax returns can be the main reasons for rejection
 "Get your house in order before applying for home loan")
When to allow someone to act on your behalf
Specify the task for the person and insist on getting copies of all documents she/he signs
Prepayment penalty on floating rate loans may come back
Making the transfer process painless will go a long way in ensuring the interest rates charged are fair, even if the regulations themselves do not provide a transparent basis for calculating the bench
The latecomer's guide to riding the market rally
Entering at the last phase of a rally? A staggered stop-loss will help
 "The latecomer's guide to riding the market rally")
Equity MF investor base grows by 400,000 in April
This is the first increase in equity MF investor base in more than four years
 "Equity MF investor base grows by 400,000 in April")
Don't skip the SIP
Additional units when the market falls help increase returns
 "Don't skip the SIP")
CIL shares likely to see volatility
The proposed restructuring process could be long drawn
Dial 'e' for e-insurance
Apart from being cheaper and convenient, many online policies offer benefits that are not available in offline products
 "Dial 'e' for e-insurance")
A variable SIP needs regular monitoring
It is cumbersome and amounts to timing the market
EPFO asks field offices to settle all claims within 20 days
Currently, a maximum of 30 days in given to settle all claims, including PF withdrawal
 "EPFO asks field offices to settle all claims within 20 days")
How to exploit a possible bounce in the dollar
A safer way to try and exploit this possible end-of-month bounce in the USD rate is to buy into the IT sector
 "How to exploit a possible bounce in the dollar")
To shift lenders or not?
The interest rate difference should be at least 25 bps. If the existing lender gives the same rate for a fee, it may be more convenient
 "To shift lenders or not?")
Cashless motor insurance has limited benefits
Hurdles such as approvals for repair and fixed rates can make the process time-consuming
 "Cashless motor insurance has limited benefits")