|April 11, 2019|
|Want car insurance? Please read this|
Educate yourself about your car insurance policy's terms and conditions before buying or renewing it, suggests Animesh Das, head of product strategy, ACKO General Insurance.
|March 25, 2019|
|5 investment schemes to save tax|
Tax-saving investments should not be made with the sole purpose of saving tax, but should also help an individual grow his wealth, suggests Archit Gupta, founder and CEO, ClearTax.
|March 15, 2019|
|Want an education loan? Read this|
Loans are available for up to 15 years, which could lower your EMI and ease your repayment burden, advises Mohan Jayaraman.
|March 07, 2019|
|Want to have credit score of 750 plus?|
An individual with a score above this level will not only enjoy easy access to credit, but will also benefit from lower cost of loans, points out Arun Ramamurthy, founder and director, Credit Sudhaar.
|January 05, 2019|
|Heard about new-age barter platforms?|
In barter, you have the choice of picking up a product that's available with the barter company in exchange for the stuff you want to discard.
|October 19, 2018|
|How You can achieve your financial goals|
Goals like buying a car or travelling abroad are short-term goals whereas purchasing a house or retirement planning are medium and long-term goals.
|March 26, 2018|
|3 reasons to buy health insurance|
Takes care of expensive medical treatment at affordable cost even as you get quality treatment and tax benefit out of it, says Naval Goel
|March 21, 2018|
|10 popular ways to save tax|
Investments and expenses under section 80 C allows various tax benefits, says Harjot Singh Narula
|March 20, 2018|
|Chat@2: How to get a business loan|
Rajeev Mahajan, co-founder, director and CEO at Antworks Money will answer all your queries related to availing business loans in an online chat March 21 between 2 pm and 3 pm
|January 26, 2018|
|'What is peer to peer lending?'|
In an online chat with readers January 24, Rajeev Mahajan of Antworks answered queries on personal loans and peer to peer lending.
|January 14, 2018|
|Buying mediclaim for a senior citizen? 6 tips for you|
In the event that you need medical treatment, it should be a comforting, nurturing experience, without any concerns about affordability. Having health insurance makes that possible, says Anuj Gulati
|January 07, 2018|
|Six money tips for a debt-free life|
One needs to understand that it takes years to get out of debt. Here's Amar Pandit's advice on how to move towards a debt-free life
|December 23, 2017|
|How to prevent online frauds|
Customers taking small and convenient steps and some degree of care and precaution while paying digitally will ensure safety and security from new threats that emerge every day, says Avinash Luthria
|December 22, 2017|
|5 tips for smooth insurance claim settlement|
Is there any use of a policy for which you keep paying premiums for 20 to 30 years and in the end your claim gets rejected? Harjot Singh Narula offers advice on how not to get your claim rejected
|December 08, 2017|
|5 money lessons for you to make it big|
Salil Dhawan explains how as you progress in your career you can also grow your money at a phenomenal pace if you start investing early.
|November 30, 2017|
|Got your first salary? 10 wise money tips for you|
Many youngsters take financial discipline as putting restriction on their freedom. That's a myth. You can very well enjoy as well as save and grow your money at the same time. Salil Dhawan shows you how
|November 28, 2017|
|Four add-ons to get more out of term insurance|
Add-ons such as critical illness or disability due to accident are available on payment of a little extra money, and they can take care of any unforeseen, unfortunate developments, says Santosh Agarwal
|November 04, 2017|
|Why India needs to work on financial literacy NOW!|
Lack of basic financial understanding leads to unproductive investment decisions. The need of the hour is for a drastic overhaul of approach to savings and investments by Indian households, says Rajesh Sud
|November 03, 2017|
|Are you cheating on your spouse financially?|
Although not much is spoken about financial infidelity, it is becoming more and more common these days. Financial planner Amar Pandit charts a four-point plan on how to be financially loyal to your spouse
|September 30, 2017|
|Buying travel insurance? 5 checkpoints for you|
Naval Goel explains the key points that will help you buy the most appropriate travel insurance plan and leave your worries behind when you travel with family and friends.
|September 17, 2017|
|Retirement planning: What if you lived till 100?|
The first step is to estimate the retirement corpus you would need and to compute the approximate amount you can set aside every month, says V Viswanand, Senior Director and Chief Operations Officer, Max Life Insurance
|August 31, 2017|
|Your comic book can make you rich!|
The rarity of comic books in mint condition or nearly perfect ones, and the rising demand, have caused the prices to spiral internationally.
|June 29, 2017|
|How GST will impact your insurance premium|
It's an undeniable fact that after enactment of GST, buying insurance will become a little expensive impacting your term plans, health plans and motor insurance plans the most. But you should not ignore the importance of insuring your life, health, vehicle, says Harjot Singh Narula
|June 21, 2017|
|3 money lessons from yoga|
Make yoga your way of life and enjoy the unconditional and uncountable benefits leading to better physical and financial health, says Harjot Singh Narula
|June 17, 2017|
|7 reasons to open a PPF account|
Well, you don't need reasons to open a Public Provident Fund account but if you insist, here are seven reasons you must open an account
|May 29, 2017|
|Buying a maternity-linked plan? Read this|
It might not offer adequate cover for all the costs you incur during delivery, but will give protection against unforeseen complications, says Yashish Dahiya, co-founder and CEO, Policybazaar.com
|May 20, 2017|
|10 tips to simplify your financial portfolio|
If you are clumsy in record-keeping and safe keeping of your papers then the problem gets aggravated. There is a strong need to be 'well organised' and in control of your various investment/insurance plans. Anil Chopra - Group Director, Bajaj Capital, shows how you can do that
|April 26, 2017|
|Chat@2: How to secure your bank account|
Chief Information Security Officer (CISO) of HDFC Bank, Sameer J Ratolikar, will answer all your queries about secure banking in an online chat with readers on April 27, between 2 pm and 3 pm.
|April 16, 2017|
|5 money mistakes to avoid|
Help yourself and your family financially by not falling prey to these, says Naval Goel
|April 04, 2017|
|3 disadvantages of group life insurance|
If you quit or change jobs in your 40s, buying an individual term plan will be expensive. You might not even get one if you have health problems, says Priya Nair
|April 02, 2017|
|8 reasons why BHIM is different|
Tripti Rai explains the unique features of Bharat Interface for Money (BHIM) app developed by the National Payment Corporation of India.
|March 12, 2017|
|4 ways going cashless can impact your taxes|
Increased income tax collection is going to be a major consequence of going cashless and this should promise a future of lower taxes and higher purchase power soon, says Anil Rego
|February 10, 2017|
|They ensure your children's financial future|
Trustees and protectors can help ring-fence your trust deed and ensure it is executed exactly the way you want, for the benefit of your children, after you are no more.
|February 09, 2017|
|How expensive is your mutual fund?|
While it may be justifiable to pay a higher expense ratio in a fund that outperforms, you should definitely exit one whose performance is below par, says Sanjay Kumar Singh
Should you sell your ELSS after the 3-year lock-in is over?
After the lock-in, ELSS investments should be en-cashed only when an important financial goal has arrived or there is a medical or other financial emergency in the family, says Anil Chopra -- Group CEO & Director, Bajaj Capital.
|February 03, 2017|
|Want a home loan at 8.35%?|
BoB's offer of a lower home loan rate to customers with credit scores of 760 and above makes it incumbent on everyone to pay heed to this all-important number.
|January 31, 2017|
|How to pick winning mutual funds|
'To ensure you remain with the better performers, you need to consistently monitor your MF portfolios and weed out the non-performers, even if they are from a star fund manager or a fund house with a sound record.'
|January 28, 2017|
|6 hacks to reduce your motor insurance premium|
Having a motor insurance policy is very much necessary, but choosing the right policy at an affordable price is the smart way of buying a motor insurance policy, says Harjot Singh Narula
|January 21, 2017|
|Do STPs give better returns than SIPs?|
Returns in Systematic Transfer Plan are consistent as money invested in debt mutual fund schemes earns interest till the time the whole amount is fully transferred to equity fund, says Vishwajeet Parashar, Sr VP and Group Head -- Marketing, Bajaj Capital
|January 14, 2017|
|3 smart tax-planning tips for you|
Tax planning will help you pay less income tax. Something everyone wants. But smart tax planning will help you boost your portfolio.
|January 06, 2017|
|Why you must insure your smartphone|
The smartphone has become our buddy and we owe it a good insurance policy to ensure it's protected at all times, says Naval Goel
|December 17, 2016|
|Going cashless? Watch out for these risks|
Now that you have already downloaded mobile wallets and all set to go cashless/digital with your payments to the local grocer, cabbie, maid, etc, here's what you must watch out for, says Tripti Rai.
|December 13, 2016|
|5 myths about child insurance|
Planning to buy a child insurance plan? Know these myths to make an informed decision, says Yashish Dahiya
|December 11, 2016|
|How to find the market value of your car|
You must have heard about the term IDV from your insurance agent or you may have read it in your vehicle insurance policy. But do you know what actually IDV is?
|November 15, 2016|
|Tell us your Cash Crisis story!|
Did you need to wait hours to exchange your Rs 500/Rs 1,000 notes, only to be told you had insufficient documentation?
|November 11, 2016|
|Golden tips to avoid Phishing-Vishing|
The banking, financial services and insurance sector was the most targeted by scamsters, says Indeevar Krishna, head, operations and customer service, Max Life Insurance
|November 10, 2016|
|'Issuance of Rs 2000 note will not curb black money'|
"but GoIs intention is to create a paperless economy and hence in future, we may see less cash transactions which will get accounted with our identity (like pan, adhaar nos)," said Investment Advisor and CEO of Right Horizons Anil Rego in an online chat with readers on November 9.
|November 05, 2016|
|8 reasons why you MUST invest in real estate|
No other asset increases your wealth the way real estate does, says and if you are looking to make a lucrative investment which will surely give you the returns you deserve, property is the answer, says Saket Mohta.
|November 02, 2016|
|Should YOU buy cancer insurance?|
A cancer dedicated policy will provide a sum assured of Rs 20-25 lakh for a 30 year old for mere sum of Rs 4,500-6,000 per year (on an average) for a term of 35-40 years, which is even lesser than the cost of a weekend road trip with your loved ones
|October 25, 2016|
|A simple solution for all your money dreams!|
Systematic investment plans can be the best way to achieve your financial goals if started early, says Vishwajeet Parashar is the Senior Vice President and Group Head -- Marketing, Bajaj Capital.
|October 21, 2016|
|Is it profitable to invest in more than one home?|
Does it make sense to hold more than one residential property? Does the investment really give very high returns as we Indians tend to presume? Anil Rego takes you through the ups and downs of investing in residential properties
|October 09, 2016|
|Buying health insurance? Dos and don'ts for you!|
Merely having a health insurance is not the criteria, possessing the right health insurance plan will help you to reap the benefits when needed the most, says Harjot Singh Narula
|October 01, 2016|
|5 ways critical illness insurance helps you|
Critical illness insurance empowers you to focus on getting well without worrying about returning to work, finances and the survival of the family, says Naval Goel
|September 30, 2016|
|3 reasons why the young must buy health insurance|
Irrespective of your age and how good your health has been, the right time to get a health insurance is NOW, says Mukesh Kumar, Executive Director, HDFC ERGO General Insurance Company
|September 29, 2016|
|Two reasons why you must invest in the NPS now|
Reduction in the mandatory minimum contribution and extension to invest in the scheme from 60 years to 70 years has made the National Pension Scheme more friendly, says Anil Chopra, Group CEO & Director Bajaj Capital
|September 28, 2016|
|Why life insurance helps in financial planning|
Given the uncertainties of life today it is imperative to have a financial plan and be financially ready to ensure that all your life stage goals are met, says Shiv Maheshwari, EVP & Head - Agency, Max Life Insurance
|September 26, 2016|
|Wedding insurance? Make the most of it|
With wedding budgets ranging from Rs 20 lakh to Rs 20 crore, it is important to insure the event for any mishap that can cause major financial loss to the aggrieved parties. Mukesh Kumar, Executive Director, HDFC ERGO General Insurance Company, explains all that you want to know about insuring weddings.
|September 25, 2016|
|7 SIP mistakes you must avoid|
It is often said, learn from your mistakes. We can twist that saying a little; learn from your mistakes and people who make mistakes. You do not have to make the mistakes to learn from them, says Priyanka Chakrabarty.
|September 21, 2016|
|The best credit cards for you this festive season|
Beginning October 1, the festive season begins. First comes Navratri, then Dussehra, Diwali and Christmas. Use these credit cards responsibly to double your festive joy, says Rajiv Raj
|September 15, 2016|
|Is this the best mutual fund since 2011?|
Had you invested Rs 5,000 every month in SBI Magnum Multicap Fund through systematic investment plan (SIP) for the last 5 years, the value of your investment would be over Rs 5.2 lakh as on August 22, 2016
|September 13, 2016|
|Get a credit card this Onam!|
Let the festivities and celebrations begin; get yourself a credit card this Onam. Shop with it, earn reward points, make your family happy but remember to never go overboard or miss your payments, says Rajiv Raj
|September 04, 2016|
|4 money lessons from Lord Ganesh|
While you are busy making modaks and cleaning the house to welcome Ganesh, here's what you can learn from the Lord of Wisdom about money, says Rajiv Raj
|August 31, 2016|
|Want to gift a credit card? It's simple|
If you want to make life of your loved ones simpler, explore the option of giving them supplementary cards or add-on credit cards. It will not only give them freedom but also a lesson in financial responsibility
|August 24, 2016|
|5 tips to reduce your health insurance cost|
With rise in medical costs surpassing general inflation, getting a treatment/surgery or illness treated in a hospital requires an enormous financial surplus or an alternative financial arrangement. Harjot Singh Narula offers simple tips to reduce these costs
|August 23, 2016|
|8 loan 'charges' that can cost you a bomb|
When opting for any loan, make sure you read the terms and conditions carefully, and understand the 'other charges' to avoid any disappointment at a later stage.
|August 16, 2016|
|Get your sister a credit card this Rakshabandhan|
You can gift your sister a Women Special Credit Card, which is not only loaded with exciting rewards for women, but they are also your sister's first step towards a better credit management.
|August 14, 2016|
|Consumers, Wake Up!|
Harshala Chandorkar, chief operating officer, CIBIL, explains your rights and duties as a responsible consumer
|August 10, 2016|
|Investing in MFs? Dos and don'ts|
Join us for an online chat with Vidya Bala, Head of Mutual fund research at FundsIndia.com, on Wednesday, August 10, between 2 pm and 3 pm.
|July 27, 2016|
|Getting married? 4 money goals for you|
Financial planning need not be boring or solely be a man's job. It can be made fun and be used as another way to increase a couple's closeness and happiness! Try it!
|July 23, 2016|
|Why SIPs make money for you|
Systematic investment plans combine flexibility, discipline, cost averaging and power of compounding to help you achieve your financial goals
|July 20, 2016|
|A 15-day guide to become a millionaire|
Now that you have clicked on this sensational headline do read what follows. It will not make you a millionaire in 15 days but lays a solid foundation for you becoming one.
|July 19, 2016|
|Planning to buy a new house? Terrible idea!|
If you are in your 20s, renting out an apartment and under pressure from parents and peers to buy that dream home, just make these solid arguments to tell them why it just doesn't make any sense!
|July 14, 2016|
|Are online insurance plans reliable?|
There is nothing to worry about while buying an online life insurance plan because the benefits you get are completely genuine and the plans are the same that are available offline, just that you can get them at a much reasonable rate and so you must take advantage of the benefits they provide.
|July 12, 2016|
|5 mistakes that delay your income tax refund|
In the era of e-filing, small mistakes lead either to delayed or complete denial of income tax refunds. So, avoid these 5 common mistakes that could lead to delay in refunds.
|July 08, 2016|
|Why are the youth not investing today?|
Do you want a blunt answer? My experience tells me that the greatest challenge to overcome is inertia -- not resources or understanding. Get off your butt and make that first investment, advises P V Subramanyam.
|June 28, 2016|
|Brexit vs you: 20 simple questions|
If you have answers to these, you need not worry about Britain's exit from the European Union, Raghuram Rajan's exit from the Reserve Bank of India or Narendra Modi's chances of re-election in 2019; your financial future will be safe, says P V Subramanyam
|June 26, 2016|
|Back to basics: Demat investing|
If you are new to investing andarenot sure how ademataccount worksoperates, here is everything you need to know aboutdemataccounts and what happens when you buy or sell shares online.
|June 21, 2016|
|Why EPF withdrawal rules must be tightened|
Generally, most Indians are under-prepared for their post-retirement life. Many middle class private sector employees end up consuming their PF accumulations for variety of other reasons like marriage of their children, medical treatment or purchase of house, etc., says Anil Chopra- Group CEO & Director- Bajaj Capital
|June 13, 2016|
|4 easy ways to increase your credit card limit|
While you go about it, please note that if it is difficult for you to keep your spending habit in check, all the benefits of getting a credit card limit increase will be pointless.
|June 09, 2016|
|Why SIPs win over lumpsum investing|
So unless you are convinced of getting your market timing absolutely bang on everytime, opting for SIPs is more realistic from a logistical and psychological standpoint, says Larissa Fernand
|June 07, 2016|
|Tips for grads to build a good credit score|
Building your credit from scratch during your post-graduation years is a good idea because it gives you the opportunity to build a solid foundation for your credit history. Here's how to go about with it.
|June 06, 2016|
|Why you must buy a personal accident insurance policy|
This insurance policy covers permanent total disablement, permanent partial disablement, temporary total disablement, accidental death and double indemnity for permanent total disability and accidental death
|June 01, 2016|
|MF basics: Balanced funds vs Dynamic funds|
Mutual fund investments come in various shapes and forms -- ranging from the passive index funds to the actively managed funds. Two of the most popular mutual fund types are balanced funds and dynamic funds. Let us take a deeper look at what each one is and how they are different.
|May 28, 2016|
|Why you must buy home insurance|
Don't think twice to secure your most prized possession. It protects your precious home against unforeseen calamities
|May 14, 2016|
|A critical illness cover is also for Millennials|
Most Millennials do not realise the importance of having a critical illness insurance policy till they find themselves or their near ones in circumstances where they need it. A little extra caution -- by way of critical illness insurance -- can save the young professionals from a large hole in the pocket in the time of accumulation of wealth.
|April 27, 2016|
|The many benefits of motor insurance|
Any unexpected expense can disturb the finely-balanced budget of middle-class individual. That's when a motor insurance policy comes as a saviour
|April 14, 2016|
|Busted: 6 myths about life insurance|
Here is what you must not think before buying life insurance, says V Viswanand, Senior Director and Chief Operations Officer, Max Life Insurance
|April 10, 2016|
|Are credit cards the real devil?|
Credit cards are mere conduits! The temptation to splurge lies within us. When it comes to money matters, don't let emotions guide your actions.
|March 29, 2016|
|Why you should buy a home NOW!|
A fall in home loan rates since last September as well as a few provisions in the Union Budget 2016-17 are working in favour of the home buyers, says Rajiv Raj
|March 20, 2016|
|A home loan for everyone|
Lenders have lined up a number of home loan products that can fit every aspirant's annual income.
|March 16, 2016|
|5 tips to save tax and create wealth|
Don't let income tax come in the way of your long-term financial planning, says Ashish Vohra, Senior Director and Chief Distribution Officer, Max Life Insurance
|March 09, 2016|
|How to claim insurance for missing people|
What happens to such a person's life insurance policy? Does the partner or beneficiary or assignee pay the premiums and continue the missing person's life policy in force?
|March 08, 2016|
|6 ways women can save money for retirement|
Women are multitasking and management queens. The pointers here can easily be managed by all women along with juggling their current tasks at hand. Superheroes are fictional whereas superwomen are real. They are all around us!
|March 01, 2016|
|Do you need a high health cover?|
Ideally, people who have a family medical history should buy high sum assured if they can afford the premium of the same.
|February 24, 2016|
|How to get the best deal on travel insurance|
Keeping this in mind you can easily get the best travel insurance policy for yourself and your family. It is advisable to do some research before making any decision.
|February 22, 2016|
|Does marriage affect your credit score?|
Getting married has no direct bearing on the credit score of either of the spouses. However it does impact the financial situation and may sometimes impact the credit score of any individual indirectly due to the action of the partner.
|February 04, 2016|
|Buying health insurance? 4 smart tips for you|
Companies selling health insurance are not in the business of giving away money. Let us face the fact that more they deny the claims, more they will earn. So, it is better for you to think and check out on all the details of a perfect health plan before signing the agreement.
|February 02, 2016|
|A loan guarantee could harm your CIBIL Score|
Guaranteeing a loan requires careful analysis before making the decision; you should not guarantee a loan just because a friend or acquaintance has asked you to do so, warns Rajiv Raj
|January 29, 2016|
|How to plan a financially safe retirement|
Some important investment options like fixed annuity, bonds, life insurance and equity among others can help you in fulfilling your goal. The details...
|January 27, 2016|
|Look before you leap for that home loan!|
If one has to draw a parallel to a home loan, marriage comes pretty close. There is a high involvement of finances, emotions and a long time commitment. But don't let this analogy send your thought trail in a frenzy! Just like marriage, this can turn out to be the best decision of your life.
|January 26, 2016|
|How to buy the best travel insurance plan|
With the advent of many online insurance web aggregators, buying an appropriate travel insurance plan to match your tour package has never been so trouble-free.
|January 17, 2016|
|5 ways to avoid credit card frauds|
Whether it is the virtual world or the physical one using your credit card with a few precautions go a long way in keeping it safe. Be cautious and do not become a statistic in the growing credit card fraud!
|January 09, 2016|
|Co-signing a home loan? Stop, right now!|
Co-signing a loan is a huge responsibility and can impact you greatly. Here's what you need to know before your generous streak gets the better of you!
|January 03, 2016|
|3 New Year money tips for your child!|
The over-concerned species that we parents are, New Year is a great time to ensure that we leave our children with something to learn by, says Murad Nathani
|December 21, 2015|
|Why young insurance buyers save more|
The older you get, the more premium you pay for buying life insurance. So it is better to buy a life insurance plan before your next birthday and save money on premium paid.
|December 15, 2015|
|How big should your emergency fund be?|
Most personal finance advisers or wealth planners agree that emergency savings are a critical component of financial wellness. However, despite the importance of savings to financial health, there is no commonly accepted methodology to determine how much an individual or family might need in case of an emergency, says Aron Szapiro, a consumer finance expert.
|December 14, 2015|
|6 benefits of using E-payment cards|
While we are slowly moving towards a future where using hard cash will be obsolete, it is indeed a wise idea to start using E-payment cards for pocket money. We need to keep up with the times while we follow our children into the future.
|December 10, 2015|
|Five steps to improve a poor CIBIL score|
Do not panic if you have a poor credit score. Do not live with the fear of having an important loan rejectd by the lender because of a poor credit score. Here's the solution for your woes
|December 09, 2015|
|Busted: 7 online insurance myths|
Buying online insurance is hassle-free and saves on premium paid too. These seven myths discourage you from buying insurance online. Beware!
|December 08, 2015|
|FAQs: Importance of credit card reward points|
Though reward points should not be a primary concern while opting a credit card they do hold some monetary value. Be sure to redeem your points on time and make the best use of your card.
|December 02, 2015|
|New to CIBIL score? 5 useful tips for you|
Just like optimum blood pressure, sugar and the likes are the measure of your physical health, a good CIBIL score is a measure of your financial health and you must do the needful to keep your CIBIL score at a satisfactory level.
|December 01, 2015|
|Why you must buy a critical illness plan|
If you are diagnosed with a critical disease, then its treatment would be very expensive and may require intensive care and hospitalisation which your comprehensive insurance plan may not cover. In such type of cases you have to pay the cost of the whole treatment.
|November 30, 2015|
|Revealed: 5 credit card secrets|
Credit cards are no angel or devil. Spending habits and personal finance management make it what it appears to be. Let there be no illusion, think real, be wise.
|November 29, 2015|
|Buying a new home? 5 mistakes to avoid|
Most people make compromises when they are seeking out their first homes, but the pertinent question to be asked here is how far should you go while making sacrifices? Read on to find out more.
|November 25, 2015|
|3 common investing mistakes|
Don't panic and sell when the markets fall or get into the market only when it is on a run. By doing that you defeat yourself.
|November 24, 2015|
|Your tax-saving ready reckoner|
An excerpt from 'Money Smart: The Indian Woman's Guide To Managing Wealth' by Reenita Malhotra Hora and Divya Vij that reveals various options to help you save tax as well as invest for creating long-term wealth.
|November 23, 2015|
|How to be a smart borrower|
Let not the smartness be confined only to your phone... Transfer it to borrowing too! Here's how
|November 21, 2015|
|4 investment mistakes to avoid|
As emotional beings, humans tend to be their own worst enemy when it comes to making investment decisions, says Holly Cook
|November 20, 2015|
|8 money mistakes you must avoid|
While proper financial planning is a subject in itself, in my experience, to increase levels of financial safety and security, a person needs to avoid a few basic mistakes, says Parag Raja
|November 17, 2015|
|Gold vs stocks: Where should you invest?|
Physical assets such as gold and real estate have their own positives and negatives, while other financial assets such as mutual funds, stocks and bonds come with their pluses and minuses. Let us look at both options in a little more detail.
|November 14, 2015|
|7 ways to build a successful portfolio|
Realise that no one knows where the market is headed. And no successful investment strategy revolves around trying to guess the market's direction.
|November 13, 2015|
|The pros and cons of credit card reward points|
Reward points should not be considered as a primary factor when choosing a card. Always remember these points should be considered as an auxiliary benefit you derive due to using your card or staying loyal; they should never become an inducement to spend more.
|November 03, 2015|
|Five hacks to save money on a home loan|
A mortgage is a great responsibility that you must bear on able shoulders for a long period of time. If you already have a mortgage or are planning to avail of one soon, you are obviously confident of your finances, but a few tips to save money on your home loan couldn't hurt, right? Read on to find out more!
|October 27, 2015|
|5 hacks for saving tax!|
The wise pay their taxes on time and plan for it before time. That does not mean one has to necessarily go through the big fat books on taxes! Knowing a couple of hacks for saving tax can have it sorted for you.
|October 16, 2015|
|5 sure-shot credit score killers|
If you want to keep your CIBIL Score alive and kicking (healthy) make sure you steer clear from the above mentioned common credit score killers.
|October 11, 2015|
|Applied for a personal loan? Read this|
Although personal loans are easy to avail and you can always rely on them in a financial emergency, they are also expensive as compared to any other kind of loan. Therefore it is advisable to make sure that the loan you are borrowing is always used for fruitful purpose.
|October 07, 2015|
|Do you have adequate health insurance?|
Join us for an online chat with health insurance expert Anil Rego between 2 pm and 3 pm on Wednesday, October 7.
First time investor? Read this
If you want to invest in mutual funds, but don't want your investment to dip below market returns, then you must know the difference between 'active' and 'passive' investing.
|October 01, 2015|
|5 home loan lessons from Mahatma Gandhi|
Gandhiji inspired the nation to believe in their dream. He continues to be an inspiration to each one of us by making us believe in our dreams. Make that home loan work for you and don't give up till you sign on the dotted line for owning your dream home.
|September 02, 2015|
|Money tips for stay-at-home moms|
If you choose to be a stay-at-home mom, it definitely does not mean that you are losing a grip over your finances. In fact, there is a lot you can do for yourself and your family.
|September 01, 2015|
|Decoding your CIBIL score|
Answers to six commonly asked questions about CIBIL score that will help clear your confusions
|August 19, 2015|
|How to 'settle' your credit card woes!|
If your loan was rejected because you had just 'settled' your outstanding dues and not 'closed' it altogether, then here's how you can get this loan approved.
|August 17, 2015|
|Top 7 tips to increase your loan eligibility|
A dream home can be closer to reality if you live a financially disciplined life. All that it takes is to make smart moves at the right time in your life and career.
|August 13, 2015|
|Buying a house? Here's how to negotiate|
How can you, as a buyer, put your best foot forward at the negotiation table? Above everything else, the Scout's Motto holds true -- Be Prepared.
|August 06, 2015|
|Your credit profile can help you get better loan rates|
Banks create a credit profile of every person who approaches them for a loan. This is a very vital part of any loan application process and banks do consider it very seriously before sanctioning any kind of loan.
|August 03, 2015|
|Rejected for a job? Check your credit score|
A bad credit score in general is seen as an irresponsible behaviour of an individual. Inability to pay on time reflects that the person is not capable of take care of things.
|July 29, 2015|
|Tips to avoid tax woes!|
Have you planned to file your income tax return? But, did you check Form 26AS before tax filing? If you haven't verified it, you could be looking at trouble
|July 28, 2015|
|6 money tips for young adults|
With unlimited youthful energy, a capacity to earn more and wonderful years ahead of them, students definitely need to learn about handling money matters early in life. Here's a good starting point
|July 27, 2015|
|Start-up funding simplified|
Read this and rest assured you can be on your own against venture capitalists and angel investors
|July 14, 2015|
|8 ways filing income tax return is different this year|
With the new tax slabs applicable for income earned during Financial Year 2014-15 and host of new changes in income tax returns and filing norms, this e-filing season will certainly bring in a new experience for taxpayers. Here's how
|July 12, 2015|
|Why make good borrowers pay for bad ones?|
It's unfair, isn't it? That good borrowers are not rewarded for their discipline and are forced to subsidise indisciplined borrowers who may pose higher credit risk...
A dummy's guide to two-wheeler insurance
While buying a policy a customer should make sure s/he reads the terms and conditions very well. That is important because whatever is in the policy determines what the company is liable to cover.
|July 07, 2015|
|6 tips to get the best home loan deal|
Applying for a home loan may seem scary if you go into the process unprepared, but if you have braced yourself well in advance and follow these steps you will find that getting your home loan application approved is a breeze.
|June 24, 2015|
|4 home loan agreement clauses you must know|
Always be clear about the clauses and conditions laid down by your bank or housing finance company. If at all you skip this task then you may face a major problem during the entire tenure of your loan or may be even beyond that.
|June 19, 2015|
|Is your credit card getting the better of you?|
It all begins with a little overspending on the credit card, and before you know it, you find yourself being sucked into a debt trap. You may think you have a debt pay off plan, but think again!
|June 09, 2015|
|Are you a good borrower?|
Find out how banks and lending institutions decide if you are worth their money based on your CIBIL TransUnion Score and Credit Information Report.
|June 01, 2015|
|Know your mutual fund risks better|
The new 'riskometer' seeks to help investors gauge the level of risk in a particular scheme. The new guidelines will come into effect from July 1, 2015.
|May 13, 2015|
|How to make money by betting on interest rates|
It's just not stocks and mutual funds that help you make good profits in the long run, says Sharath Komarraju, author of 'Money Wise' which, he says, is 'Aam Aadmi's guide to wealth and Financial Freedom'.
|May 08, 2015|
|Life insurance as a tax saving tool|
With life insurance you can serve the objective of providing for your family's protection and also save tax in the process, says Aalok Bhan, Director and Head -- Product Solutions Management, Max Life Insurance
|May 07, 2015|
|5 ways to avoid money tiffs with your partner|
Money is a touchy topic for most of us. Money fights between couples are all about control and freedom. Keeping the communication channels open and respecting each other's attitudes can help couples manage finance better.
|May 06, 2015|
|4 ways to quit your role as a loan guarantor|
It is not very easy to wriggle out of your role as a guarantor in case the original borrower defaults. Nevertheless, you can still come out of the situation with your credit record intact.
|May 05, 2015|
|Why you should invest in exchange traded funds|
An ideal portfolio is one which not only takes care of the ultimate end goal of a secure retirement, but also takes care of the expenses in-between. Look no further than investing in exchange traded funds, or ETFs, says Vikaas M Sachdeva, CEO, Edelweiss Asset Management Ltd.
|April 28, 2015|
|Money tips if you just started earning|
It is important to celebrate when your first paycheck arrives, but is equally important to ensure that you take the time to learn some very important personal finance lessons, so that you can put your salary to work for you and grow a savings corpus.
|April 24, 2015|
|5 BAD money habits you must avoid|
Being careless with money is often associated with bad financial habits. If you are not aware of what these bad habits are, here is a list that could well serve as a caution.
|April 21, 2015|
|Did your mutual fund manager just quit? Relax!|
If a fund manager moves on to another fund or resigns from the concerned asset management company, is that a sign to sell your holdings in the fund or discontinue your SIP? Read on...
|April 20, 2015|
|4 credit report errors that can cost you dearly|
An error does not become a mistake until you refuse to correct it. Errors in your CIBIL credit report can become costly mistakes if you do not rectify them in time. So next time you get your CIBIL report, do not just see the score and tuck it away.
|April 18, 2015|
|10 money mistakes that hurt your goals|
Here is a summary of mistakes I have seen investors make. Of course it is not exhaustive, and investors find newer ways to lose money, but here it is anyway...
|April 13, 2015|
|What is goal-based investing?|
Do you know the difference between the assets you own and liabilities you owe? Do you know your financial goals and how to achieve them in a time-based manner?
|April 10, 2015|
|How to check your savings account balance|
Going to the bank and using your passbook to find out your bank balance while still available and widely used, technological innovations have brought your bank at your fingertips.
|March 30, 2015|
|5 major mistakes investors make|
Investor mistakes are just too many and to me everything looks major. P V Subramanyam tells a few that bother and bug him as an investment advisor.
|March 25, 2015|
|11 credit card charges you probably don't know|
There is no such thing as 'free' credit cards. Most of the charges associated with your card are not even told upfront to you. Knowing about these various fees and charges will put you in good stead and help you use your card prudently.
|March 14, 2015|
|Taxercise: Ensuring your financial health|
If you plan it out, instead of rushing it in the last moment, you will realise how much you have saved and the difference it makes to your personal wealth.
|March 11, 2015|
|Top 6 tips to choose your retirement plan|
How do you decide which retirement plan is the best one for you? Here are the top six parameters to keep in mind when finalising one for your golden years.
|February 28, 2015|
|How to identify wrong advice|
When you get advice from somebody you are hardly in a position to tell whether it is in YOUR interest, right? Well, here are some tips!
Decoding Union Budget 2015-16: What's in it for YOU!
In an online chat with readers a few hours after the Union Budget 2015-16 proposals were announced by Finance Minister Arun Jaitley, Sundeep Agarwal, Director, PwC India, answered related queries to help put the announcements into perspective.
|February 25, 2015|
|8-point Budget wishlist for Santa Jaitley|
While we have our wish lists ready, it's only on February 28 that the verdict will be out. We do hope the FM plays Santa and brings some good cheer in this financial year. Meanwhile let's take a moment and list our expectations.
|February 20, 2015|
|Saving vs investing: What's in it for you!|
Saving is not the same as investing as many people wrongly assume. But what's the difference between the two? How does each benefit you. Larissa Fernand has the answers
|February 19, 2015|
|Are you adequately insured?|
This question remains unanswered most of the time due to lack of knowledge or guidance. No more!
|February 13, 2015|
|Here's how to save tax!|
A simple primer on how much money taxpayers can save under various sections of the Income Tax Act.
|February 10, 2015|
|Valentine's Day Special: Save money, honey!|
Spending money to make this day special is the easiest way out, but also very predictable and boring. Some creative thinking and you can indeed spend less money and have more fun!
|February 05, 2015|
|Is having debt good for your credit score?|
In order to be eligible for a loan when you really need one, it is imperative to maintain a good credit score. By having a good mix of debt and servicing it regularly, you can maintain a good credit score and be loan ready at all times.
|February 04, 2015|
|6 best ways to save tax|
A tax plan is not only to save taxes, it should also assist you in achieving your other financial goals such as buying a home, a car, children's education, retirement to name a few. Here are some top ways in which you could plan for your tax savings
|February 03, 2015|
|7 more reasons why your credit card could be declined|
If you ever face a situation where your card transaction is declined, it is advisable to call your bank and check with them for the cause. In most cases, unless it's a fraudulent issue, the problems will be resolved on the phone.
|January 30, 2015|
|5 smart tips for home loan customers|
Do you aspire to purchase a house? Are you depending upon a bank or housing finance company to fund your needs? Is the same rate of interest charged by two different lenders confusing you? You are at the right place.
|January 29, 2015|
|Value investing is difficult because...|
All investors are value investors. Or they at least like to believe this. So let us see why VI is so difficult to achieve, even though philosophically it is easy to understand.
|January 28, 2015|
|How to plan smart for your retirement|
: Get serious about your retirement planning. You don't want to be broke in your eighties! Making smart decisions now will help you enjoy your retirement years.
|January 25, 2015|
|BORROWING to buy an asset? Don't!|
However, if you do borrow for say buying a house -- most people do -- do not be in a hurry to repay the loan. Take a loan at a young age and keep it on for the whole period.
|January 22, 2015|
|Busted! Top 3 credit score myths|
Correct your friends the next time they try to scare you; offer them tips on how they can improve their credit scores if they are poor borrowers
|January 15, 2015|
|Want to be wealthy? Avoid these simple money mistakes|
Many people like words like wealth creation, equity, SIP, etc. It does not mean they understand the whole process is not so difficult. Neither is it so easy. Here are some mistakes people make with their investments
|January 13, 2015|
|Money lessons from Makar Sankranti|
Let's take you on a fun journey on kites and Sankranti traditions and guess what? You can learn a thing or two about financial planning from it as well.
|January 12, 2015|
|6 ways to manage money after a layoff|
If you have recently been laid off or are worried that your neck may be in the line, it is natural to be worried about your finances. But worrying, as you know, will not get you anywhere. Here are some tips about what you can do to keep the boat from rocking and keep your CIBIL score intact while doing so.
|January 09, 2015|
|Money tips for your children|
Sanjay Matai, a financial adviser and author, penned this advice for his son when he got his first job and first paycheque.
|January 07, 2015|
|10 tips to survive a layoff, financially|
Have you been fired from your job recently? Or do you fear it will happen soon? Here are a few tips on how you can survive a layoff, financially.
|January 02, 2015|
|Investments resolutions for 2015|
Yes, you need them: to complete the resolutions that you had made in 2008, 2009, 2010, 2011, 2012 and 2013. There is no point in making new resolutions if you have not lived up to the previous resolutions, right?
|December 14, 2014|
|11 reasons why people overspend|
A list of what I have seen and what I think. If you agree with this post and have many reasons of your own, please share them with us!
|December 11, 2014|
|Busted: 4 CIBIL credit score myths|
Middle class Indians have grown up with the belief that living on credit is essentially a bad thing. You are in trouble if you think the same, cautions Rajiv Raj
|December 09, 2014|
|Buying a house? 5 things to watch out for|
If you're in the market for a new home, now may be the perfect time to make your purchase. But, before making an investment for lifetime, there are many factors that come into play and much to be considered.
|November 25, 2014|
|How EMIs destroy your dreams!|
Abhishek Agarwal takes a controversial view on how our dreams are being mortgaged by EMIs we keep paying month after month.
|November 17, 2014|
|Six benefits of FDs you perhaps didn't know|
Traditionally FDs have been plain vanilla products but nowadays amid cut-throat competition, banks have modified these keeping in line with customers' requirements.
|November 13, 2014|
|Why should your ATM usage hurt your pocket?|
So what if your bank has imposed/will impose a transaction fee of Rs 20 for using ATMs after your fifth visit in a month? You can still remain within your free transaction limits and avoid being charged at all. Wondering how it is to be done? Read on.
|November 07, 2014|
|How to select a ULIP|
Confused about what the agents tell you about this investment product? Then you must read this
|November 05, 2014|
|Want a home loan without any hassles? Read this|
A critical factor that can ensure easier and hassle-free access to home loans is keeping a watchful eye on your Credit Information Bureau India Ltd (CIBIL) Report and CIBIL TransUnion Score.
|October 20, 2014|
|Money-wise: 5 tips to have a cracker of a Diwali!|
By implementing these simple ideas you will not only have saved a lot of money, but ensured that you do not find yourself in a pile of credit card debt or have thrown your monthly budget out of gear.
|October 13, 2014|
|Married? Your car insurance can come down by 20%!|
Apart from traditional factors, some new parameters have also been introduced into auto insurance agreements, which can prove to be a boon for the policyholders and can lower their premiums.
|October 11, 2014|
|3 lessons for online shoppers after the Flipkart sale|
Don't hit the buy button as soon as you hear of the next BIG online sale this Diwali. Here are some very important lessons -- in the light of how some online shoppers felt cheated after Flipkart's 'Billion Day Sale' -- that could save you time, money and peace of mind, says Rajiv Raj!
|October 03, 2014|
|Four money lessons from Dussehra|
As you spruce up for Dussehra puja this year, we have a suggestion for you! How about looking at your finances in a whole new way?
|September 30, 2014|
|12 things your bank must do for you|
A conduct checklist for banks and financial institutions in India that must be followed while dealing with loan applications.
|September 29, 2014|
|15 questions you should ask your financial planner|
To be sure that you are committing your money to the right person, you must ask these questions to your financial planner. There is no point in cribbing after you have committed your money! Is there?
|September 26, 2014|
|Keep track of your financial health this festive season|
Gifts for loved ones, spending on yourself on impulse buying on EMIs and credit cards can leave your financial health completely stressed by the end of the year, says Harshala Chandorkar, Senior Vice President -- Consumer Relations, CIBIL
|September 22, 2014|
|How to make a personal budget that works|
A budget is nothing but a tool to keep your spending under control and ensure that the monthly expenses are lower than your monthly income. Here are some tips on how you can make your budget work
|March 08, 2013|
|5-step financial planning for women|
On the occasion of International Women's Day, Vibha Padalkar, ED and CFO, HDFC Life, offers a five-step plan for urban women to attain financial freedom.
|September 27, 2012|
|Is this the RIGHT time to go for a home loan?|
Home loan expert Harsh Roongta's take on where the home loan interest rates are headed after the Reserve Bank of India recently cut the cash reserve ratio by 0.25 per cent.
|April 21, 2011|
|SMART tips to use your credit cards|
In an online chat with Get Ahead readers on April 20 Kunnath Santosh of Perfios gave tips to readers on how they can become smart credit card users.
|August 05, 2010|
|Cell phones: Too many telecallers?|
Do you have a funny or harrowing experience to share about your rendezvous with pesky telemarketers? Simply write in to us at email@example.com with the subject 'You are not alone Pranab da' and we'll publish the best stories right here on rediff.com!
Can you claim double reimbursement on mediclaim?
Have a query regarding health insurance or mediclaim policy? Maybe we can help. Drop us a line and our expert, Harsh Roongta, CEO of Apnapaisa.com, will answer it.
|July 27, 2010|
|How young India earns, spends and saves|
Rediff.com launches a weekly series that will provide insights into how Young India lives. We will speak to Young Indians across the country about how they earn, spend and save, their ambitions, their dreams, and their goals.
|July 09, 2010|
|All you must know about contra and value MFs|
In a chat with Getahead readers on June 22, Dhruva Raj Chatterji research manager at iFAST Fundsupermart.com, AMFI registered mutual fund distributor, answered queries about contra and value mutual funds. For those who missed the chat here is the transcript.
|June 21, 2010|
|Best insurance policies for your family|
Have a query regarding health insurance or mediclaim policy? Maybe we can help. Drop us a line and our expert, Harsh Roongta, CEO of Apnapaisa.com, will answer it.
|June 08, 2010|
|Are index funds playing with your money?|
Aren't index funds mandated to mirror the underlying index they track? What does it mean when your index funds returns outperform or underperform the index they track?
|May 05, 2010|
|9 money mantras my mother taught me|
make their children understand the importance of finances right from their childhood days. Here's what my mother taught me about money.
|February 17, 2010|
|Reader invite: Getting out of a debt trap|
We invite our readers to send their useful ideas and suggestions on how to get out of a credit card debt trap for the benefit of those who are finding it difficult to cope with it.
|December 11, 2009|
|All you want to know about teaser home loans rates|
Will the intense rate cut war help Indian consumers of home loans? What are the pros and cons of availing home loans that have fixed rates for the first two to three years and then switch to floating rates?
|November 20, 2009|
|10 insurance myths -- BUSTED|
Insurance is a highly misunderstood product and it's often bought and sold for the wrong reasons.
|November 04, 2009|
|5 mantras to invest your money smartly|
Irrespective of good times or bad times, if you follow these basic rules with your money you are sure to reap rewards and a secure future.
|September 11, 2009|
|7 steps to get the best car loan rate|
Negotiating a car loan is not that simple as dealers tend to price in manufacturers' and financiers' discount into the interest rate. Here is a step-by-step process to negotiate the best car loan deal.
|August 03, 2009|
|Shop safely this Raksha Bandhan|
Here are seven rules that will help you secure your online shopping this festive season beginning with Raksha Bandhan.
|July 07, 2009|
|No entry load on mutual funds: Who wins, who loses|
Mutual fund investors will be able to earn more on their investments because of the Securities and Exchange Board of India ruling on the removal of 2.25 per cent entry loads on their investments.
|July 06, 2009|
|Know your insurance rights as employees|
The Workmen's Compensation Act provides for insurance and compensation that an employer has to give to employees in case of an injury or death.
|July 02, 2009|
|Right time to go for a home loan?|
In a chat with readers on July 1, home loan expert Harsh Roongta said readers must go for a home loan now if they are planning to buy their dream homes.
Financial planning with mutual funds
Here's how you can plan your returns better by investing in mutual funds and the best mutual funds to invest in.
|June 10, 2009|
|How to check your financial health: VI|
In the concluding part of the series on personal financial ratios we explain the net invested assets to net worth ratio that will help you stay out of financial troubles.
|June 03, 2009|
|How to check your financial health: V|
In the fifth part of this series that simplifies personal financial ratios, we explain solvency ratio and how it can help you stay out of financial mess.
|June 02, 2009|
|Understanding debt market basics: IV|
In the fourth part of the series that simplifies financial concepts we explain how keeping an eye on interest rates can help you maximise your gains.
|May 28, 2009|
|Want to buy a house? Here's help|
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Real estate expert Tushar Bungley, hosted a chat with GA readers on May 28 to answer their queries.
|May 27, 2009|
|Check your financial health: IV|
Here is the fourth part of a series to help you analyse personal financial ratios that will help you check your financial health.
|May 14, 2009|
|Real estate opportunities in India|
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Real estate expert Tushar Bungley, hosted a chat with GA readers on May 13 to answer their queries.
|May 07, 2009|
|Are you afraid to buy ULIPs?|
Get Ahead financial planning expert Vetapalem Sridhar advises you on how to look at unit linked insurance plans as an investment.
|May 04, 2009|
|Are commodity mutual funds for you?|
Once the world economy starts growing commodity prices will likely rise again so investing in a commodity-based mutual fund may not be a bad time to invest some of your money.
|March 05, 2009|
|Tips to save tax|
How should you plan your taxes and dervive optimum returns from them? Should you buy a house, go for a loan in the current economic situation?
|February 26, 2009|
|7 steps to make a financial plan|
How do you go about making a financial plan for you and your family? What are the benefits of making a financial plan? Do you need huge amount of money to start one?
|February 19, 2009|
|Should you prepay your home loan?|
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
|February 18, 2009|
|Can't repay your loans? Here's help|
With people losing their jobs and finding it difficult to repay their loan obligations here's how you can cope with the crisis.
Best real estate deals in your area
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Or should you wait for a while before buying your dream home?
|February 13, 2009|
|Best SIPs for saving tax|
How should you plan your taxes and dervive optimum returns from them? Should you buy a house, go for a loan in the current economic situation?
|January 30, 2009|
|Buying a home for the short-term?|
Eight tips to help you if you are buying a home with a short investment horizon.
How to invest for your child's future
Which is the best mutual fund plan to invest for your child's future? Which is the best pension plan for you to secure a stress-free retirement life? Financial planning expert Vetapalem Sridhar provides some answers.
|January 28, 2009|
|Right time to buy property?|
Do you know what's the going rate per square foot in your neighbourhood? Is it the best time to buy real estate/ home? Or should you wait for a while before buying your dream home? What are the chances of real estate prices going further down? Or are they likely to go up in the near future? When will the property market stabilise?
|January 23, 2009|
|Got a home loan query?|
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
|January 21, 2009|
|Haven't filed your tax returns yet?|
Can you file your tax returns for the last three years before March 31, 2009? Is a post office recurring deposit covered under Section 80C? Can you claim any tax benefit on money spent on your child's school uniform? How can you avail of tax deductions under Section 80 DD? Can you claim tax deduction on interest paid on personal loans? Here are the answers.
|January 14, 2009|
|Got a home loan query?|
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
|December 31, 2008|
|Investment ideas for 2009|
Where should you invest your money in the New Year? Financial planning expert Vetapalem Sridhar has some answers.
|December 30, 2008|
|Financial planning in tough times|
Here's how you can make a financial plan that will help you create wealth even in the face of an economic meltdown.
|December 29, 2008|
|Terror insurance: Are you covered?|
In the wake of the recent terror attacks in Mumbai it is important you know how to avail an insurance policy that also covers death or injuries because of terror attacks.
|December 19, 2008|
|Worried over falling investments? Here's help|
Have your investments in mutual funds, stocks, pension plans and various unit linked insurance plans come down by half? What should you do in such a situation? Should you sell all your investments or buy more? What's the right investment strategy now?
|December 16, 2008|
|Impact of home loan rate cuts on YOU|
Here's how the cut in interest rates on home loans announced on December 15 by the Indian Banks' Association is likely to have an impact on you.
|December 08, 2008|
|Timing the market -- A popular 'myth'|
Persistence and discipline are key to creation of wealth in the long term. Time is your strongest ally in helping your wealth grow multifold.
|November 24, 2008|
|Unmanageable EMIs? How to cope|
How do you cope with a home loan EMI that's becoming unmamanageable due to various reasons? Can going for a personal loan to pay home loan installments a good idea?
|November 14, 2008|
|Huge losses in stocks? What to do|
Have you suffered huge losses in the stock markets in recent times? What do you do in such a situation? Should you sell the rest of your stocks and quit the stock market? Or should you buy more at lower prices? What should be your stock market strategy when the world over stock markets are crashing?
|November 11, 2008|
|PG diploma in Forestry Management|
Indian Institute Of Forest Management invites applications for Admission to the fully residential two year PGDFM (Post Graduate Diploma in Forestry Management ) Programme 2009-11 session.
To buy or not to buy gold?
Gold has always held its own in times of financial crisis. Will it give good returns to investors this time round?
|November 03, 2008|
|The art of wealth management|
Wealth management is an art that can be learnt. It's important to know this art when we are facing a financial meltdown globally.
|October 27, 2008|
|Investing to WIN in stocks|
Investing your money to win is all about discipline and patience and not about timing the market. That's the investment principle of legendary investor Warren Buffet and you too can make good returns if you follow them.
|October 16, 2008|
|10 tips to survive a layoff, financially|
Have you been fired from your job recently? Or do you fear it will happen soon? Here are a few tips on how you can survive a layoff, financially.
|October 10, 2008|
|Health insurance & YOU|
Insurance expert Harsh Roongta on all you MUST know about health insurance policies.
|October 09, 2008|
|Are market falls good time to invest?|
Do stock market falls like the recent one better times to invest money in stocks? If yes, then how should you go about investing in stocks? How long should you hold your positions if you have bought when the market was at its peak?
|October 06, 2008|
|5 things you must know about your MF statement|
Your work doesn't stop at investing in mutual funds. Keeping track of them is as important as deciding where to invest. The account statement helps you do just that. Here's what you must check in your mutual fund account statement.
|October 03, 2008|
|MFs, home loans, insurance & your tax|
Do you want to know if your investment in a house, mutual fund, insurance or real estate taxable? How is tax calculated on your ESOPs?
|September 30, 2008|
|How to start financial planning|
Is there a particular age when you should think about having a financial plan? What are the requirements of making a good financial plan? Is it good to take help of a financial advisor? How to find a good financial advisor?
Why not to revolve on your credit card
In difficult times when you are short of means to pay for your credit card bills, paying minimum gives you a breather. However, it may not save you from finding a concrete solution for paying your credit card debt.
|September 24, 2008|
|Is it the right time to buy a flat?|
Are you planning to buy a flat in the near future? If yes, then should you wait for another 6-9 months given the global meltdown in financial markets?
|September 12, 2008|
|Mutual funds you can buy now|
Which are the best mutual funds to buy now? What should be your strategy now while buying mutual funds? Should you buy open-ended or close-ended funds?
|September 01, 2008|
|How to utilise your mortgage loan|
The home is a valuable asset that most home owners acquire over time. Trading it for cash with a mortgage can be a less expensive way to avail of a loan, but it should not be used lightly.
|August 29, 2008|
|How the big funds invested in July|
While every individual investor has her/his own investment idea it is nevertheless a good idea to know what the big boys (read Indian mutual funds) are doing. Here's what the Indian mutual funds bought and sold in the month of July.
|August 28, 2008|
|Simple tips to become a crorepati|
Is there a simple way to become a millionaire? How much should you invest every month to become a crorepati in 15-20 years?
|August 26, 2008|
|All you should know about health insurance|
Does health insurance cover pregnancy? Is there a medical cover for sexually transmitted diseases? Are there any insurance policies which take care of medical reimbursement for tax savings? Can you have two health insurance policies from different insurers? Is a floater policy better than individual policy?
|August 18, 2008|
|Home loan EMI, credit card debt... Help!|
What should you do if you have too many loans on you and you are unable to service them? Financial planning expert Vetapalem Sridhar has the answers.
|August 11, 2008|
|6 facts you should know about your home loan|
What should you do in such a situation? Here are a few things that every home loan borrower must remember now that home loan rates are expected to increase further.
|August 08, 2008|
|Gold is a good investment when inflation is high|
Which is the best investment option when inflation is inching up? Should you put your money in gold, mutual funds or buy a house? How can buying a house help you in saving tax? Can you save tax by renting a property?
|August 07, 2008|
|10 things that money can't buy|
Purchasing power ebbs and flows all the time, but there seem to be a few human longings that remain beyond it . Presenting the usual suspects...
|August 04, 2008|
|Stressed with too many loans? Here's help|
Consolidated debt fund is the answer for you if you are burdened with a whole lot of loan repayments from home loan EMIs to vehicle loans to credit card debt.
|August 01, 2008|
|'Should I invest in mutual funds or fixed deposits?'|
Financial planning expert Vetapalem Sridhar, hosted a chat with GA readers on July 30 to discuss inflation, investment options and more. For those of you who missed the chat, here's the unedited transcript.
|July 23, 2008|
|Follow the leaders. Invest like they did in June|
The mutual fund industry in June invested in companies like Piramal Healthcare, Reliance Petroleum, IFCI and Ashok Leyland. Interestingly, there was not much redemption pressure on them despite the Sensex skidding by another 2,570 points in June.
|July 10, 2008|
|'Am young, can take risks: Where to invest?'|
If you are young, willing to take risks and have a long-term investment horizon then this is the right time to invest in stocks and mutual funds says financial planning expert Vetapalem Sridhar.
|July 01, 2008|
|Where did the Indian mutual fund industry invest in May?|
The mutual fund industry in India is worth Rs 5.89 lakh crore at the end of May 2008. If you are an investor it is always sensible to know where this 5.89 lakh crore is invested to get a good idea as to where you should invest if you want to emulate the mutual fund industries.
|June 30, 2008|
|Sensex, music and headphones|
Investors need not worry about short-term volatility. Over the long term, equities offer the best returns. as per a study
|June 24, 2008|
|How to beat inflation|
How you can beat the monster and get good returns if you stay invested in equity linked mutual funds and gold for the long term.
|June 21, 2008|
|Investing: Role of a wealth fund manager|
A good wealth manager not only helps you in becoming a millionaire during your lifetime, but also contributes significantly to a life of happiness, prosperity and financial serenity.
|June 17, 2008|
|How to make a litre of petrol go longer|
The prices of petrol and diesel have been recently hiked and more can be expected in coming months. A few tips on how to make your litre of petrol go the distance.
|June 10, 2008|
|Hybrid home loans: Are they for you?|
Whenever you applied for a home loan the bank or their agents gave you two options: Fixed or floating. Now you can also opt for a mix of both.
|June 09, 2008|
|How to cut costs: Yap less, eat less|
While there is no end to bad news on the economic front you can still tighten that proverbial belt. Here are a few ways of cutting down your expenses.
|May 30, 2008|
|How RBI policy impacts interest rates |
The Reserve Bank of India (RBI), is in charge of monetary policy which has a big impact on liquidity and interest rates in the financial system. Let's look at some of the basics of monetary policy and how it impacts the average investor.
|May 23, 2008|
|A red signal that tells you to stop borrowing|
Debt to income ratio is a financial ratio that tells you when you have borrowed more money than you can repay. It's a like a red signal that tells you to stop borrowing.
|May 16, 2008|
|Retirement planning: Why you must start early|
If you are planning for your retirement it's important that you start early. The power of compounding will take care of the rest.
'I strongly prefer ELSS over ULIP'
Do you think equity linked saving schemes, ELSS, are a better option than unit linked insurance plans, ULIPs? What are the pros and cons of investing in both? Which scheme gives better returns in the long term?
|May 15, 2008|
|29 now and want to retire at 50? Here's how|
Can mutual fund investments generate enough returns for you to reture early? What are the risks associated in mutual fund investments? Here is how to retire early in life and achieve financial freedom.
|April 29, 2008|
|Shopping online? 5 tips for a safer experience|
Online safety is critical, considering there was an estimated $2 billion of online commercial loss in 2006 due to safety concerns. Here's how to make sure you aren't falling prey to online fraudsters.
|April 25, 2008|
|'Can you please pay the bank dues, Sir?'|
Do you think the 100-hour training and certificate course made mandatory by RBI for debt recovery agents sensitise them to the rights of borrowers? Will they stop using intimidating tactics to recover dues from defaulters? Will it lead to better debt collection practices? Tell us.
Sold your home? How much tax will you have to pay
Get Ahead Tax expert Mahesh Padmanabhan on short term and long term capital gain tax issues arising out of selling your old home and buying a new home.
|April 18, 2008|
|Is your MF investment not giving good returns?|
You have been investing in mutual funds for quite some time but the returns on your investment is not impressive? Should you sell those mutual funds that have not performed well and add a dash of new ones that are touted as good performers? Financial planning expert Vetapalem Sridhar runs you through the basics of MF investing.
|April 17, 2008|
|Is there something wrong with your mutual fund portfolio?|
Do you have too many tax saving mutual funds in your portfolio? Or have you got too many diversified equity mutual funds based on their market cap, theme, sector etc? Financial planning expert Vetapalem Sridhar runs a health check of your mutual fund portfolio.
|April 15, 2008|
|Some basic facts you should know about inflation|
Is the general increase in price rise affecting you? has your monthly budget gone for a toss? How are you coping with increase in prices of essential goods of daily use? Share your views with us.
|April 14, 2008|
|Credit card balance transfer: Is it really attractive?|
Have you ever transferred your credit card balance from one card issuer to another? What was the main purpose behind transferring your dues? Did the balance transfer serve your purpose? Does this facility help you in any way? If yes, then how? Share your views/plans with us.
|April 11, 2008|
|Have YOU ever faced a financial emergency?|
Have you ever faced a financial emergency? How did you cope with it? Are you in the habit of keeping aside a small amount every month for a financial emergency? How do you manage to do it? Do you have a plan to help young people build such a fund? Share your views/plans with us.
|April 10, 2008|
|Home loan tax issues? Here's help|
How do you claim tax benefits on your home loan amount? What if you have clubbed your income with that of your father to increase the loan eligibility? Get Ahead tax expert Mahesh Padmanabhan answered these and other tax related issues in a chat on April 9.
|April 08, 2008|
|'Bank FDs can get you reasonable returns'|
Is it a good idea to invest in debt-oriented mutual funds as the interest rates are rising? Or is it a good idea to invest in fixed maturity plans? Financial expert Vetapalem Sridhar answered these and other queries relating to financial planning for the young.
|March 28, 2008|
|Can gifting help you save tax?|
Is it true that you can also save on your tax by gifting money to your parents? If yes, then what are the ways in which you can do so? Is there any maximum limit for gifting?
|March 27, 2008|
|Getting unsolicited credit card offers? Here's help|
Getting unsolicited offers from banks for credit cards, loans etc? Do you know what action can you take against erring banks? Here's what the Reserve Bank of India advices to customers harassed by such offers.
|March 26, 2008|
|Want your money's worth? Check this out|
Obtaining reliable information is the essence of a sound investment strategy and one of the most reliable suppliers of financial information in India is CRISIL or the Credit Rating and Information Services of India Limited.
|March 25, 2008|
|Payment default: Lenders now know more about you|
The Credit Information Bureau (India) Limited (CIBIL)can now generate a copy of your credit history and payment default reports at the click of a mouse. Borrowers will now have to tidy up their payment history.
|March 24, 2008|
|Stock markets: Has history taught you anything?|
Stock market history is proof enough that long term investors are the only players who make money and create wealth. But the question is: have they learned anything from their past experiences?
|March 19, 2008|
|'Emotions lead to irrational financial decisions'|
What are the good mutual funds that you must buy for the long term? Are there any good mutual funds that will not only make money but help you save your tax? Get Ahead financial planning expert Vetapalem Sridhar has some answers.
|March 18, 2008|
|No HRA? You can still claim tax benefits on rent paid|
Do you know that you can claim tax benefits on rent paid even while housing rent allowance is not a part of your salary? Get Ahead Tax expert Mahesh Padmanabhan tells you how, how much and under which section you can claim tax benefits.
|March 10, 2008|
|Indian stocks getting too risky? Invest abroad|
If you are the one who finds investing in Indian stocks too risky in the current scenario then you can as well invest your money in international markets now. Here's how.
|March 07, 2008|
|Safe mutual funds for the long term|
In a chat with Get Ahead readers financial planning expert Vetapalem Sridhar tells them about the mutual funds for the long term and why they should remain invested for at least five years.
|March 03, 2008|
|Want to lighten your tax burden? Here's help|
If you want to do some last-minute tax saving trick then here's some advice from Lokesh Nathany, national head (Wealth management & portfolio management services) at Almondz Global Securities.
|February 26, 2008|
|In bad times investors flock to mutual funds|
In recent times small investors are putting their money into mutual funds rather than in initial public offerings or investing directly in the stock markets due to market volatility.
|February 25, 2008|
|How to achieve your financial goals|
There are three essential elements to achieve your financial goals. If you stick to these you can easily achieve your financial goals in a set time frame.
|February 18, 2008|
|'Don't panic! Invest with a long-term horizon in MFs'|
V Ramesh, CEO, Prabhudas Lilladher Financial Services, believes that investors with a long-term investment horizon in mutual funds should not panic as they can still make profits irrespective of the stock market volatility.
|February 15, 2008|
|How to avail of HRA and home loan benefits|
In a chat with readers Get Ahead tax expert Mahesh Padmanabhan advised them on how to claim tax deduction on HRA and home loans taken by salaried employees.
|February 13, 2008|
|Buy low, sell high to make money in stocks|
Making money in the stock markets is very easy indeed provided you have discipline and patience. Here's how you can buy low and sell high to make money in the markets.
|February 11, 2008|
|Top 10 ELSS funds: Save tax, make money|
Equity linked saving schemes not only help you save tax but also give decent returns. Here's the list of top 10 ELSS funds for the year ending February 8, 2008.
|February 07, 2008|
|Mutual funds you can hold for the long term|
Financial planning expert Vetapalem Sridhar gives tips on how to invest in good mutual funds for the long term and how to plan for an early retirement to Get Ahead readers.
|January 31, 2008|
|Read this before you join the IPO rush|
Initial public offerings and the profits made from it has been a hot topic of discussion in recent weeks. Here's a look at what you must know before applying for that 'hot' IPO.
|January 23, 2008|
|'Time, tide and stocks wait for no one'|
Young investors speak about their experience in the recent market crash. They, it seems, remain undaunted and want to put more money into stocks going ahead.
|January 18, 2008|
|Expert speak: Tips to invest in mutual funds|
The stock markets are going down and investing directly in stocks has become risky. While mutual funds help you minimise risks you should know a few things about them before investing. Here are a few tips on how to invest in mutual funds.
|January 17, 2008|
|My worst financial mistake in 2007|
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here, a Get Ahead reader who wants to remain anonymous, shares his insurance woes.
|January 11, 2008|
|Can co-owners get tax benefit on home loans?|
If you have bought a home along with your family members as co-owners then can they avail of the tax benefit on interest paid? Tax expert Mahesh Padmanabhan answered tax related queries in a chat with Getahead readers on January 9.
Kaun banega crorepati? You can!
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here we present a strategy by Bengalooru reader Mahitosh Patankar, telling us how you can make money using the magic of power of compounding and by the virtue of patience.
|January 08, 2008|
|'How I make money by taking loans'|
We asked you to send in your experiences about the mistakes you made in 2007 and how do you plan to make 2008 a financial success. Here, we present a strategy by Pune reader Anand K telling us how he makes money from the stock market by taking personal loans.
|January 02, 2008|
|Do you know how to make 2008 a financial success?|
Perhaps you made some bad investment decisions in 2007 and lost a great deal of money. Perhaps your wise words on how not to make bad investments can help others save and make a great deal of money.