Students earning stipend in foreign currency need to pay tax, unless they get it as allowance.

Interns need to file tax returns

Business Standard

The shares of companies that are very sensitive to economic and business cycles are generally called cyclical stocks. These tend to perform very well during an economic upswing as companies they represent face robust demand for their products or services due to higher consumer spending. However, during economic downturns, these companies face shrinking demand and lower profitability.

Investing; Rishi Nathany

It has been more than nine years since private sector life insurance companies commenced operations in India. Together, these companies have invested over $5 billion in the sector till date. Despite this, many companies continue to report significant losses in their statutory accounts. Their break-even targets have also been pushed beyond 10-12 years from the date of commencement of operations.

Challenges in valuing insurers

Medical policies that cover outpatient department are quite expensive. Buy them only if you intend to use the facilities.

Now, cover for dental care

With the corporate results season on, many investors would be keenly looking at companies they had invested in. There will be a range of experts with advise on buying and selling.

Going beyond the numbers

a. While driving, the person should have been accompanied by someone with a valid driving licence.

NON-LIFE INSURANCE: Bhargav Dasgupta

The term 'investment' is normally associated with equities and fixed income instruments, by the investors. Some investors also associate insurance with investments. Investors may note that insurance is basically to cover risks and its not an investment product. The general tendency of retail investors is to enter the stock market when prices are high. So, the end result is that you may not earn significant return compared to the risk undertaken.

Neither equities nor debt

No-load instruments are slowly becoming a focus area for regulatory authorities in the country. The process started with no-load mutual funds (MFs) that changed the MF investing landscape last year and now there are efforts at bringing more instruments under such coverage. Investors, on their part, need to know that no-load options are beneficial for them, though they need to be clear about the way in which no-load instruments differ from the normal ones.

Coming without the baggage

Last Tuesday, when the Reserve Bank of India (RBI) signalled hiked reverse repo, repo and cash reserve ratio (CRR) by 25 basis points, many investors would have wondered what it means for them.

Rates that matter

Several life insurance companies in the country are preparing to take on the markets regulator Securities and Exchange Board of India (Sebi) over unit-linked insurance plans (Ulips).

Insurance firms set to defy Sebi

Fund houses have balanced schemes and monthly income plans to cater to children's long-term needs.

Child care through mutual funds

The growing buzzword for many students at Indian Institutes of Management and Indian School of Business (ISB) seems to be &ldquo;Will have my own venture after a management degree&rdquo;. Even institutes are promoting entrepreneurship in a big way. For instance, Jamnalal Bajaj Institute of Management Studies has set up a special cell for entrepreneurs. ISB takes proposals from students and evaluates them for viability and financing. In February, it got 100 proposals, of which 30 were selected. However, many find it difficult to opt for entrepreneurship.

Saddled with an education loan?

I hold shares of Indian companies that are into drug development. I thought these might help me reap windfall in two-three years. Now, I have given up hope.

Investing: Paras Adenwala

Taking a large exposure by paying a small margin may not work in your favour with many investment products.

Small deposit, big return, large risk

I used my life insurance policy as a collateral for my home loan and had to assign my policy in favour of the bank.

LIFE INSURANCE: Deepak Sood

Bank employees will get a lumpsum that should be used to meet financial goals.

Get rid of loans, start investing

I want to take housing loan for a property that is under construction. The developer said I needed to pay in tranches depending on the percentage of the work done.

Loans: Manju Srivatsa

The removal of service tax on premium allocation charges will increase the investible amount.

Ulips to get cheaper, give better returns

If you look at the performance of equity-oriented balanced funds for the past one year, the results are surprising. The returns vary between 25.76 per cent and 105.11 per cent. Choosing right from among the 33 existing schemes is a tough call.

Seeking the right balance

My systematic investment plan (SIP) is up for renewal. However, when I called up my mutual fund distributor, he said they do not sell mutual fund schemes now. I am told the fund house will not accept renewal from any other distributor unless I get a no-objection certificate (NoC) from my existing distributor.

Investing: Hemant Rustagi

Event-based investing leads to delay and lost opportunities, data show.

Don't lose sleep over the Budget impact

Personal Finance: Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

Personal Finance: Investing, Planning, Retirement, Loans, & Insurance | Business Standard

Read about the smart strategies for Personal Finance Planning, Investing, Insurance, banking, budgeting, loans Tax Planning, retirement and insurance. Browse Business Standard to learn more on Personal Finance.

Page 917 - Personal Finance