Personal Finance

April 26, 2012
Here's what to do when the market is volatile
In an hour-long chat on on Thursday, financial planning expert Sailesh Multani offered some valuable investment tips.
April 25, 2012
Why you must invest in GOLD
Gold has been performing well over the last 10 years.
April 23, 2012
IMAGES: Turn your house green and save money!
The concept of green homes is a trend that is here to stay and is slowly but surely catching up in India.
April 20, 2012
How to set up a workable home budget!
One of the key aspects of creating a successful financial plan for a year is to establish a workable home budget. Why you should think beyond tax when investing!
Many investors confuse investment with a tool to save tax and do not see them as a tool to build wealth! What you should know about cashless hospitalisation
Wealth is a key factor in the first stage of Maslow's hierarchy of needs. In its true form wealth is a combination of three aspects namely good food, an adequate wardrobe and good health.
April 19, 2012
Buy a separate cover for home loan
For a loan of Rs 20 lakhs (Rs 2 million) from Axis Bank, Varadarajan was asked to pay Rs 31,630 at one go or under a single-premium insurance plan.
April 17, 2012
Why investors are restive at Budget tax proposals
Starting with the proposed retrospective amendment to Section 9 of the Income Tax Act, seen as a move to get over the adverse Supreme Court verdict on Vodafone, the controversy spilled over to taxation of foreign portfolio investments and taxation of foreign assets of Indians.
April 10, 2012
How to invest profitably in global markets
High net worth individuals slowly warm up to US market; however, financial planners generally discourage such dabbling
April 09, 2012
GOOD NEWS! Expect 20% Sensex return in 2012
Indian equities are currently undervalued vs their own past levels and current peer levels. Since 2007, the Sensex has reached 16,000 for the sixth consecutive year.
April 05, 2012
Some golden investment tips
In an hour-long chat on on Thursday, speak to financial planning expert Sailesh Multani offered some valuable investment tips.
March 30, 2012
P-Note holders not liable to pay tax in India: FM
Setting at rest the uncertainty about overseas investments, Finance Minister Pranab Mukherjee on Friday said that persons investing in stock markets through participatory notes (P-Notes) will not have to pay taxes in India.
March 28, 2012
Don't rush to invest in debt instruments
There are reasons to limit your exposure, even with the rise in rates of small savings schemes. Good news for SBI's home loan customers
In a move that would help a large number of home loan customers to reduce their interest burden, nation's largest lender State Bank of India has decided to allow them to reprice their existing loans at lower rates.
March 22, 2012
How to invest smarly and be rich
In an hour-long chat on, financial planning expert Sailesh Multani offered some valuable tips.
March 21, 2012
How much tax can you save now?
In an hour-long chat on on Wednesday, experts Vinay Mahajan and Devang Mehta offered some valuable tips.
March 19, 2012
How can you invest smart and be rich
In an hour-long chat on on Monday, chartered accountant and Income Tax expert Chetan A Gandhi offered some valuable tips. Small clauses make life tougher for taxpayers
Though the annual light & sound show anchored by Finance Minister (called the budget) made a lot of sound but the light was not enough to show the way where the Indian economy is heading.
March 17, 2012
Budget: These 20 services will be cheaper
Metered taxis, entry to amusement facilities, second-class rail travel, and betting, gambling and lottery will not attract the 12 per cent Service Tax, as per the budget proposal.
March 16, 2012
Invest in stocks, get tax exemption!
In order to increase retail participation in the capital market, Finance Minister Pranab Mukherjee on proposed a tax exemption scheme for new investors. New tax slabs: How much you will SAVE?
Giving some relief to tax payers, Finance Minister Pranab Mukherjee on Friday proposed raising the income tax exemption limit for individuals to Rs 2 lakh per annum from Rs 1.80 lakh. Good news! FM offers tax sops for you
The Individual tax payer exemption limit to be raised to Rs 200,000 from Rs 180,000. Budget: What is cheaper, what is costlier
A look at things whose prices will change post Budget. Budget 2012: Tax payers may get some relief
Tax payers will be looking forward to some relief from Finance Minister Pranab Mukherjee who is expected to raise the income tax exemption limit to at least Rs 2 lakh in his budget proposals. SPECIAL: Is the Budget only about taxes?
First thing an average citizen thinks about before any Budget is about income tax.
March 15, 2012
Want to invest smart and be rich? Read this!
In an hour-long chat on financial planning expert Sailesh Multani offered some valuable investment tips.
March 14, 2012
How to manage diversification in a portfolio?
Mutual funds have emerged as an ideal option for investors to achieve diversification. Apart from being a diversified investment vehicle, these offer a variety of funds within an asset class. Par panel on DTC suggests wider Income Tax slab
Wants investment limit for tax savings schemes be increased to Rs 320,000
March 13, 2012
PF accounts to get lower returns this year
Around 61 million subscribers of the Employees Provident Fund Organisation (EPFO) are likely to get lower returns on their deposits this year.
March 09, 2012
REVEALED! 10-yr-old tax evasion cases may reopen
Greater focus on international transactions. Tax exemption to be hiked to Rs 3 lakhs soon?
In its report, which was submitted to the Lok Sabha Speaker Meira Kumar on Friday, the Standing Committee on Finance suggested that the wealth tax limit be pegged at Rs 5 crore (Rs 50 million), while the Securities Transaction Tax be abolished. Is the Aadhaar card really of any use?
It is not clear if banks will accept the card for opening accounts. Is the Aadhaar card really of any use?
It is not clear if banks will accept the card for opening accounts.
March 07, 2012
Rein in prices, say homemakers
Finance Minister urged to work on alternative modes to lower inflation and help families save more
March 06, 2012
Get ready for higher medical, car insurance premiums
To reduce costs, take advantage of the no-claim bonus, buy top-ups or shop a bit.
March 05, 2012
MUST READ! All you want to know about espos
Esops are considered perquisites from a taxation perspective. If you are employed with the company at the time of exercising, then the perquisite amount would be added to your salary and subject to tax deducted at source as per the slab rate applicable.
March 02, 2012
How to invest smartly and be rich
Financial planning expert Sailesh Multani offered some valuable investment tips during a chat on on Friday.
February 27, 2012
Take a loan, don't drain savings
This way you not only end up owning a house but also maintain a healthy bank balance for future needs.
February 24, 2012
Filing tax returns? A checklist of things to DO
With the deadline for filing returns just four months away, familiarise yourself with the processs so that you can avoid last-minute rush
February 21, 2012
Calculate actual returns before participating in buybacks
Share buyback has been the buzzword for many companies in the past year. Over 20 companies, including market movers like Reliance Industries, have announced their plans to buy back shares. Many would be also tempted to participate in these, especially if the price announced is higher than the existing market price.
February 20, 2012
Home, study loans become cheaper
SBI cuts education loan rates 25-100 bps; others reduce home loan rate, waive processing fees Tax planning? Invest in long-term instruments
Some instruments help you perform the dual task of tax saving and retirement planning. Pick ones with the longest lock-in period
February 17, 2012
How well do you know your MF scheme?
Those who do their homework and conduct due diligence before putting in their money could stand to gain significantly. MPs want IT exemption limit hiked to Rs 5 lakh
The Standing Committee on Finance, which met under the chairmanship of senior BJP leader Yashwant Sinha, has decided to finalise its report by March 2, enabling Parliament to consider the ambitious reforms in direct tax regime.
February 16, 2012
Charitable entities to see tightening of income tax
Non-profit organisations set up for charitable purposes may see a tightening of income tax provisions.
February 15, 2012
Here's how to keep credit limit in check abroad
As much as technology makes life easier it also gives rise to some loop holes which might burn a hole in pocket at times.
February 14, 2012
REVEALED! How Indians spend their money
Indian consumer market is poised to grow 3.6 times between 2010 and 2020, faster than most other emerging markets. To claim or not to claim - The HRA dilemma!
Can one claim both HRA and home loan benefits? This seems to be a confusing factor for most tax payers.
February 13, 2012
Is it a wise move to invest in infra bond?
The government of India has outlined a plan to spend $1 trillion in next 10 years on infrastructure development. This development is necessary because infrastructure needs support to sustain the projected growth rate of Indian economy for next few decades.
February 10, 2012
I-T exemption limit to be hiked to Rs 3 lakhs soon?
Suggests far more generous provisions than proposed in Direct Taxes Code
February 03, 2012
When stocks get delisted, what MUST the investors do
Selling it later may be difficult. Some ideas on what one could do if the premium offered isn't enough.
February 01, 2012
Planning to buy a house? Some VITAL points
In 2012 the realty market is expected to consolidate.
January 31, 2012
Taxes aren't always worth saving
Sometimes, it is better to pay them instead of making unwanted investments.
January 27, 2012
Landlord's PAN card not there? Fret not
If your house owner does not have a PAN, you need not worry, as long as he/she is ready to sign a self declaration stating he does not have a PAN. You can submit a copy of this declaration to your employer and avail of the HRA deduction.
January 26, 2012
ALERT! No more loans against Ulips
Plans with loan clause denied approval; regulatory ban coming.
January 25, 2012
What does RBI's move to cut CRR rate mean?
This Tuesday saw an upbeat in the money market.
January 24, 2012
Uncertain markets: What should investors do?
Falling market should be an opportunity to invest more in equities and not shift to other asset classes. Keep buying on dips.
January 19, 2012
India's top banks vie for gold loan business
Financing against gold being a secured form of lending and higher margins are key reasons.
January 13, 2012
Made profits in 2011? Hold on to those scrips
The good part is that even in the most beaten down sectors, there have been some select stocks that have given not just positive, but considerable, returns.
January 11, 2012
How to gain more from your investments?
Being market-linked, the public provident fund corpus can no longer be predicted over the long term.
January 10, 2012
Investors warm up to tax-saving bonds
The bonds' unattractive structure seem to have found little favour with eligible taxpayers and infrastructure finance companies are hoping the government would do something to enhance product appeal.
January 09, 2012
Investing: Watch out for the game changers!
Come a new year, and the guy with some cash to spare invariably wonders how to avoid repeating the investing mistakes of the past year.
January 05, 2012
Some golden investment tips
In an hour-long chat on, personal finance expert Sailesh Multani offered some valuable tips. Forget about pension plans, there's none available anyway
If you plan to buy a pension plan as a part of your tax-saving exercise, you need to wait.
January 04, 2012
PPF interest rates to be floating, post office savings spared!
The government on Wednesday said interest rates on post office savings schemes, except the PPF, will remain fixed throughout the term of the scheme. 5 promises that you MUST keep in 2012
Learn from mistakes made in the past year, resolve not to repeat them and plan for the long term.
January 02, 2012
Investing: Gold will continue a good show in 2011
Other assets suffered badly, experts feel that the yellow metal and debt will continue good show.
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