Page 780 - Personal Finance

One in four unaware of credit bureaus: Survey

92% unaware of their credit scores: Survey

Revive your lapsed policy without any penalties

Take advantage of 'revival campaigns' where insurers waive off medical tests, offer discounts on penalties >

Realty check

Case study

Banking: Prashant Joshi

Do you know your home loan interest rate?

RBI and NHB have both acknowledged the market practice of Indian lenders is to charge higher rates to old home loan consumers, while providing lower rates to new ones

Policy boost for short-term debt funds

From a long-term perspective, the 10-year G-sec is not appealing for additional exposure over the next 4-5 months

Too early to enter auto sector

It will look attractive if rupee stays weak and sales pick up at the same time

Cover medical expenses of donors, too

With costs of medication for organ donors increasing, it makes sense to get them covered

When small is probably better

Firms in the small-cap and mid-cap space are available at cheaper valuations; with some basic checks, these can be worthwhile investments

Invest early to gain from compounding

Get into the savings habit now. The more you invest for as long as possible, the higher will be your end corpus

Check the forex exposure of companies

Those with abnormally high treasury and forex gains or losses are likely to be at the highest risk

Subvention scheme is a double-edged sword

If possession is delayed, the home buyer could end up paying both rent and home loan instalments

Education not in service tax net

Auxilliary services, like bus services, canteen, housekeeping also exempt from tax

Online portal for payment of road tax launched

Transport Dept has taken several initiatives in recent past to achieve a service oriented approach

Loans to cost more, but deposit rate hikes to compensate

A surprise hike in the repo rate will increase the cost of borrowing for households

Steady returns from NPS

While the returns have been around market expectations, investors should continue looking at investing here for the long haul

In sign of downturn, Indian retail landlords finally capitulate on price

Retailers can negotiate revenue sharing deals or get discounts on rent of up to 20%

A fifth of retired Indians not adequately prepared: HSBC

Over 40% of those surveyed say they intend to start a business post retirement

Should you buy gold on the dip?

From its recent peak, the price of gold has dipped 9%. Will this correction last longer or should you buy some gold now?