The accumulated interest will increase the principal and you will have to pay a higher rate. Borrowers should take the restructuring plan only after they are convinced they have exhausted all other options.

Buying a used vehicle is a lot more complicated. Not only do you have to worry about its condition, you also have to think about whether the price you are offering is anywhere close to its true value, reveals Sanjay Kumar Singh.

Such an economic environment tends to be positive for gold, the ultimate safe-haven asset. Since gold cannot be debased by central banks, it naturally gains in value.

You need to revamp both your work practices and technology tools to maintain your efficiency and effectiveness

The Budget has changed the rules for Indian citizens and persons of Indian origin visiting India. Instead of 182 days, the number of days has been reduced to 120. You will be treated as a resident of India for tax purposes if you stay in the country for more than 120 days in a financial year and 365 days in the past four years. One consequence of the change will be that people of Indian origin who reside outside India will be able to spend a smaller number of days in the country if they wish to keep their non-resident status intact, points out Sanjay Kumar Singh.

The projected increase for 2020 is lower than the average salary hike that graduates of top business schools have managed - at around 12 per cent.

'A 25 year old buying a high-value policy now will be well covered even in his 40s.'

If someone does reduce his contribution, he should scale it back to the 12% level as soon as he can, suggests Sanjay Kumar Singh.

The worst may perhaps be over for these stocks, suggests Sanjay Kumar Singh.

These ETFs will also carry interest-rate risk, especially the 10-year ETF. The investor can overcome this risk by holding them till maturity, suggests Sanjay Kumar Singh.

Two factors play a predominant role in fetching good returns -- stock selection and allocation, suggests Sanjay Kumar Singh.

By evaluating their loan rate against the best available every year, borrowers can achieve considerable savings over the entire tenor, suggests Sanjay Kumar Singh.

In case of any grievance, file a complaint with Sebi on its SCORES (Sebi Complaints Redress System) web site, suggests Sanjay Kumar Singh.

LIC is currently allowing customers to revive policies that have lapsed for more than two years.

Once the child is 90 days old, parents must add her to the family health floater cover, suggests Sanjay Kumar Singh.

'Children should include their parents in the group health insurance cover provided by the employer at the earliest.' 'However, the elderly should not depend on it alone and should also buy a personal health cover,' suggests Sanjay Kumar Singh.

Reports suggest this lot could fetch the cybercriminal as much as $130 million upon sale.

Investors may have already borne most of the pain and hence should not give up now, says Sanjay Kumar Singh.

Investors, however, need to understand their prospects before deciding to raise their exposure to these export-oriented sectors, suggests Sanjay Kumar Singh.

Assume the worst regarding how long your unemployment could last and make conserving cash your topmost priority, suggests Sanjay Kumar Singh.

Before taking such loans, compare the interest rates charged by various players, advises Sanjay Kumar Singh.

Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor, suggests Sanjay Kumar Singh.

In this Budget, too, there were a number of measures aimed at plugging tax leakages and ensuring greater compliance, says Sanjay Kumar Singh.

A number of insurers offer health policies designed especially for senior citizens.

Incomes such as dividend, interest on tax-free bonds, eligible gifts, etc should also be reported even though they are tax exempt, suggests Sanjay Kumar Singh.

The news of Bengaluru-based IMA cheating thousands once again underlines the need for investors to steer clear of unregulated deposit schemes. The most important sign of a Ponzi scheme is the promise of exorbitant returns and so investors must ask how the promoter expects to earn the kind of return he is promising, says Sanjay Kumar Singh.

Before buying property, please carefully study the agreement with the builder, advises Sanjay Kumar Singh.

Now govt employees to enjoy greater say in how their NPS corpus is invested. Younger employees should raise their allocation to equities in this very long-term investment instrument

Investors not stop their SIPs or STPs due to election-related uncertainty.

A sum insured of Rs 3 lakh to Rs 5 lakh may have been sufficient seven-eight years ago but would be inadequate today, especially for people living in metros, points out Sanjay Kumar Singh.

'People who have unaccounted money often park it in unregulated deposit schemes.' 'Curbing illegal deposit-raising activity will also carry forward the government's drive against black money.'

Heed your liquidity needs before investing in an FMP.

Those just starting their careers should avoid adding to their liabilities, especially if they already have an education loan. They should think hard before taking a car or home loan.

New borrowers will benefit if banks cut their MCLR. Older borrowers' EMIs will change only when their reset date arrives

'Online aggregators offer discounts of 70% to 75%.' 'At a car dealership, the discount is usually in the range of 30% to 35%.'

Given the uncertainties around gold's future course, stagger your purchases and buy on declines, says Sanjay Kumar Singh.

Three key instruments that can help you meet your financial goals, while also allowing you to enjoy tax deductions are ELSS, term cover and health cover.

Stocks of companies where promoters have pledged a high percentage of shares, like the Zee group, can be volatile. Such stocks are also prone to rumours, reports Sanjay Kumar Singh.

The point to note is that since the new rebate is up to a taxable income of Rs 5 lakh, if anyone earns even little more (say, even Rs 100 more) than this amount, he would have to pay all the taxes, according to the existing slabs.

Given its features as a retirement product (long lock-in and compulsory annuitisation), investors should have other investments they can fall back on in case they need funds