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

Don't lose sleep over the Budget impact

Business Standard

In Budget 2010-11, besides raising the tax slab, the finance minister provided additional deductions of Rs 20,000 for investments in infrastructure bonds.

A ready reckoner

Private sector banks raise rates by 25-50 bps.

Auto, home loans turn expensive

I sold my house last year. I had owned it for 11 years. I am not planning to buy another house.

Tax: Homi Mistry

There are various ways of investing in the yellow metal. take the right pick.

Gold: Hype or safe haven?

Mostly people tend to forget that their single largest asset, their home, can rescue them when they are in need of large sum of money. If you have an ongoing home loan and need large amount of money, a top-up on the existing loan can help bridge the gap.

Same house, bigger loan

There are a number of sections under the Income-Tax Act that give additional tax benefits on medical insurance premium.

Spend on health to save wealth

Fuel prices have gone up, and so have car prices. but smart purchasing skills can help save Money.

Deals for the road

With the government raising the gratuity limit, it makes sense to negotiate for a higher basic salary to ensure a better payout.

Not for job hoppers

During the end of the financial year, insurance companies try to tap tax-payers with innovative schemes, including guaranteed returns products.

Don't expect great returns

I have still not completed my income tax obligations. Kindly let me know how can I quickly complete this process? Please suggest some specific investments to bring down my tax liability.

TAX PLANNING: Gaurav Mashruwala

Over 50 per cent of Indian companies will have to make higher provisions in their balance sheets as gratuity expenses. This follows last week&rsquo;s Union Cabinet decision to raise the tax-free ceiling of gratuity payable to private sector employees from Rs 3.5 lakh to Rs 10 lakh.

India Inc faces higher gratuity provisioning

Public-sector lender Bank of India (BOI) has increased interest rates on big-ticket (wholesale and bulk) deposits by 75-150 basis points across various maturities, effective from Thursday. Interest rates on retail domestic term deposits have also been raised by 25-50 basis points.

BoI raises deposit rates by 75-150 bps

While investing a large sum, try to diversify your portfolio as much as possible.

Don&#39;t put all eggs in one basket

In the last one month, some of the fund houses have launched capital protection schemes targeting fixed deposit investors. These schemes propose to invest 85 per cent of the corpus in debt and the rest in equities.

Lower returns but tax benefits for HNIs

I lost my credit card recently (limit Rs 50,000). I had an outstanding of Rs 20,000 on it. I immediately called up the bank and asked it to block the card. I also filed a police complaint. My next statement showed new transactions, in addition to my previous outstanding, of Rs 80,000. The transactions were done a day after I asked the bank to block the card. However, the bank is asking me to pay. I have written to the nodal officer but there has been no response.

Debt Counselling: Sanjay Agarwal

Fixed deposits (FDs) are simple instruments, where the earnings are known at the time of making the deposit. But, matching the amount of interest earned on these deposits with the amount received and the tax deducted at source can be tough.

Get a fix on FD returns

There is a big debate on the recently concluded NMDC follow-on public offer (FPO). It is one of the biggest disinvestment offers, as it seeks to fill the government coffers by raising up to Rs 20,000 crore.

IPOs: It's probably overpriced

The economic slowdown and the terror attacks in Mumbai in November 2008 came down heavily on Indian hotel companies. One affected corporate travel and the other hit their leisure margins, too. Following the terror attacks, hotels saw a drop of 50 per cent in volumes and have yet to return to the 2007 highs.

Not always on a platter

Selecting insurance products can be confusing. There are products like unit-linked insurance plan (Ulip) where the policyholder can choose to invest in different securities and get market-related returns. Then, there are plans that promise to return a fixed sum.

Endowment versus money back

The working group set up to review the Credit Guarantee Scheme of the Credit Guarantee Fund Trust has recommended the mandatory doubling of the limit for collateral-free loans to micro and small enterprises (MSEs) to Rs 10 lakh from the current Rs 5 lakh.

Collateral-free loan limit may double

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 918 - Personal Finance