Look at gold bonds or gold monetisation scheme instead of buying physical gold
The government has not done its homework or made any attempt to forge a consensus on this matter that affects millions of people in the organised sector, says Harsh Roongta.
Banks will introduce hybrid home loans with stiff penalty on prepayment and shifting.
The 40 per cent exemption benefit is applicable only for employees.
The government has become used to accounting for TDS as its income even though it knows a significant portion needs to be returned as refund
Section 54 provides a tax-free method to convert unaccounted money into accounted money, says Harsh Roongta.
If you are one among the millions of existing borrowers who are paying a higher interest rate compared to new borrowers of the same bank, make your shift now, before prepayment charges make it more expensive.
When you pay by cash, the pain is the highest and when you pay by credit card, the pain is reduced considerably.
When the bull run begins its march again, it will really be different!
The average rate of rupee depreciation vis--vis the dollar over the last 20 years is around 3.50 per cent per annum
Govt should take steps to monetise real estate investment schemes.
Act on your good intentions now. You have nothing to lose and everything to gain.
The idea was that despite some defaults the high rates would assure good profits.
Despite intermittent attempts by lenders to come out with fixed rate home loan products, the high interest rates (as compared to floating rate home loans) ensured that they were not considered as a real option by consumers.
At that time, nobody would have thought a construction period of three to four years would be grossly inadequate
Expectations are that the government will use the Union Budget to create an environment, which is conducive for growth.
Encouraging domestic financial savings through focused measures would help mobilise long term resources for funding infrastructure and economic development.
The withdrawal right is hemmed by many conditions.
In an attempt to acquire consumers, banks have been providing a lot of technology-enabled services, which used to be offered free.
Online policies are cheap because there is no agent's fee involved, other administrative costs of the insurance company are lower and, most importantly, these use the latest statistics for calculating premia.
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