Irda's new guidelines for pension plans guarantee returns, but the rate is too low to beat inflation
Sebi has said the MF cannot use the money in the unit capital account.
Buying a second-hand car has become hassle-free, courtesy the presence of corporate players like Maruti Suzuki's True Value and Mahindra and Mahindra's First Choice.
Banks might reject your loan application if you defaulted on your telephone or electricity bill, soon.
For instance, in the last quarter of the previous financial year, Emaar MGF sold 650 flats, priced at Rs 48-80 lakhs (Rs 4.8-8 million), in its Gurgaon project within a day of launch.
With the government raising the gratuity limit, it makes sense to negotiate for a higher basic salary to ensure a better payout.
On the Budget day, when the Finance Minister reads through reams of paper, the common man is often left confused. Worse still, there are a whole lot of numbers and jargons like capital account expenditure and current account deficit that could baffle many.
One can equate SIPs to the recurring deposit.
In the past one year, banks have actively beefed up their loan against property portfolio. Post October 2008 credit crunch, bankers looked for products that were secured and Loan against property (Lap) was an obvious choice.
Life insurers are aggressively targeting HNIs. A look at some of the products on offer.
There are a few things, though, that they can do from next year to ensure their tax outgo is lower.
For an investor, gold is a necessity in the portfolio.
Housing finance companies step in to provide loan to customers turned away by banks.
Buying a four-wheeler this month can help save on cost, but check first.
The word 'zero' is the bait used to lure gullible buyers. In reality, the customer ends up paying an interest rate comparable to that on a consumer durable loan; in some cases, even higher.
Many investors are lured with dividends that mutual funds pay, without realising that they are getting their own money back.
Even if they are a small part of your portfolio, these funds can help reap rich returns.
Samar Roy applied for a credit card with a leading private sector bank last month. Though the world has changed since the days banks chased customers to offer credit cards, Roy was confident he would get one. He was earning a reasonably good salary and had no loans or credit cards to his name.
Keep some cash in hand for tackling last-minute hurdles.
Many smart buyers wait for the year-end to buy a car. Auto makers and dealers come up with the best discounts in the month of December to clear stocks. But if you are planning to buy a car any time soon, the current festive season could be an equally attractive opportunity, thanks to the availability of cheaper finance.
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