If credit bureaus have garbage in their database, they will spew out garbage about you
Have you paid Rs130 to get credit information report and Rs470 to get a credit score? Sorry, but most likely you have some junk pieces of paper in...
Smart Savers Team | 14 January 2013
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Direct Plans—Should you go for them?
Mutual fund schemes now offer a ‘direct plan’ through which investors can enjoy the benefits of reduced costs. What are the implications...
Jason Monteiro | 14 January 2013
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Insurance Essentials 4: You can get ripped off by the staff of the insurance company! A Real life story involving Reliance Life
Before you buy life or health insurance, please do read each article in the Insurance Essentials series. They are unbiased and unique. Insurance...
Raj Pradhan | 14 January 2013
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Insurance Essentials 5: How the New Ulips were no better than the old ones
From 1st September 2010, new Unit-linked Insurance Plans (ULIPs) made their appearance. Financial planners were all over the business channels and...
Raj Pradhan | 14 January 2013
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Hugo Young’s 10 Golden Rules of Stock Investing
It always pays to listen to a successful person in a given field. One such investor is Hugh Young, a rising star in Europe. His 10 Rules of Stock...
Smart Savers Team | 14 January 2013
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BEST LONG-TERM INVESTMENT?
STOCKS DO BETTER THAN BANK FIXED DEPOSITS EVEN FROM MARKET PEAKS
me | 18 December 2012
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Small Cap Funds do far better in a market rally – again
It is perhaps well-established by now that when the market rallies, it is the small and medium companies that do well. How have they fared in 2012?
Smart Savers Team | 18 December 2012
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80D – Preventive healthcare check-up
If you want to avail of a preventive health check-up, the government is giving you an incentive of tax deductions up to Rs5000. Find out how you can...
Raj Pradhan | 04 December 2012
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What drives stock prices? A live example
Here is a quick question. If a company declares a consolidated net profit of Rs 2,372 crore in December 2011 and declares Rs 2,369 crore in December...
Smart Savers Team | 26 November 2012
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Tips to get your loan approved
The key factors in getting a bank loan sanctioned are a good credit history and an active bank account. The idea is to think from lender's point of...
Smart Savers Team | 20 November 2012
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History and Real Estate Prices
History is important. If you have looked at how markets have behaved in the past, you will not be surprised when the market makes a sudden up move or...
MAS Team | 13 November 2012
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Interested in buying government bonds, but don’t know how to?
Many people would like to buy bonds to form an essential part of the portfolio. But not many know how to go about it. There are three ways in which...
Raj Pradhan | 06 November 2012
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Senior citizen mediclaim: Do you still have options?
Did you miss the boat of taking insurance cover at younger age or are you stuck with low sum insured? Your existing insurer may not allow increase in...
Raj Pradhan | 30 October 2012
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Term plan with return of premium: Why avoid it?
Pure term plan does not give anything on maturity, while “return of premium” (RoP) term plan gives you back all the premiums paid. Should...
Raj Pradhan | 30 October 2012
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NFO: Reliance Close-Ended Equity Fund
The returns you get from close-ended equity schemes depend a lot on when you invest and when you exit even over long periods. Should you invest in...
Smart Savers Team | 30 October 2012
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NFO—RGESS Mutual Fund Schemes
With mutual funds also being allowed to launch schemes that would qualify as a Rajiv Gandhi Equity Savings Scheme (RGESS), fund houses would not want...
MAS Team | 24 October 2012
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Tax savings on Interest on deposits made for your children
While the interest on bank savings in the name of your child is clubbed with your income, Rs1,500 interest per child is exempted from tax. This is...
Raj Pradhan | 09 October 2012
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Take Good Care of Your Health, says the Taxman
Irrespective of your and your family’s age, medical expenses are bound to happen. The good news is, you can save on taxes if you spend on your...
Raj Pradhan | 09 October 2012
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New Pension System (NPS) is useful, if you can convince your employer
If you are only interested in claiming tax deduction under Section 80C, there are many avenues other than NPS. It is important to note that there is...
Raj Pradhan | 26 September 2012
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Financial Literacy Helps: Study
Sumit Agarwal, senior financial economist at the Federal Reserve Bank of Chicago, investigated whether financial education programmes are effective...
MAS Team | 11 September 2012
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