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| December 24, 2024 | | NPS Vs PPF Vs EPF: And The Winner Is...
Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
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| December 11, 2024 | | Bank Account Dormant? You Can Still Get Your Money
Ramalingam Kalirajan offers some easy steps to reactivate your accounts with banks like SBI, HDFC Bank, IDFC First Bank and PNB just so that you can start availing all the benefits linked to your account.
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| November 26, 2024 | | How To AVOID LOSSES When Markets Crash
However, the reduction in value is purely a notional loss if you remain invested. When you redeem in a falling market, the notional loss becomes a permanent loss, explains Anamika Pareek.
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| October 30, 2024 | | Savings And Investment: Ask rediffGURUS!
Let's Make Savings As Exciting As Spending. This World Savings Day, rediffGURUS Nitin Narkhede, Milind Vadjikar and Ramalingam Kalirajan are all set to answer your queries on savings and investments.
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| September 21, 2024 | | Buying Health Cover Policy? Read This
Customers frequently sign without reading the terms and conditions, resulting in a poor understanding of coverage, and eventually leading to partial payouts
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| September 13, 2024 | | How To Be Free From Home Loan Debt
Using mantras from the Bhagavad Gita, Vatsal Ramaiya explains how you can conquer your home loan debt and unlock a world of financial freedom and peace of mind.
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| August 01, 2024 | | How To Secure Child's Financial Future
By following the path of Kula Dharma as mentioned in the Bhagavad Gita, you will not only be securing your child's future but also contributing to your own early sukoon (peace and well-being), says Vatsal Ramaiya
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| July 19, 2024 | | When And How To Withdraw Your NPS Funds
Ramalingam Kalirajan dives into the specifics of NPS withdrawal rules to help you understand the conditions under which and when partial withdrawals are allowed.
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| July 15, 2024 | | How to Build Your Retirement Corpus
Building your Retirement Nidhi is your Karmayoga, ensuring a Golden Yug where you can truly enjoy the fruits of your labour, says Vatsal Ramaiya as he explains how Rs 15,000 per month can help build a Rs 7 crore corpus.
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| June 27, 2024 | | How To Achieve Financial Peace: The Gita Way
The Bhagavad Gita reminds us that true peace comes not from the absence of problems, but from the ability to face them with a prepared mind and a steady resolve, says Vatsal Ramaiya, and shows how the Gita helps you to achieve financial peace.
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| June 20, 2024 | | How To Conquer Debts: The Gita Way
Vatsal Ramaiya draws wisdom from the Bhagvad Gita to explain how to conquer your debts with Lord Krishna's Kritya Nash Technique.
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| June 12, 2024 | | How Senior Citizens Can File ITRs
Many seniors mistakenly believe they need not file returns if tax is deducted at source (TDS) on income received. This is incorrect.
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| May 22, 2024 | | How To Budget For Peaceful Retirement
Continuing our series on how to achieve Financial Independence and Retire Rarly (FIRE), Vatsal Ramaiya emphasises the importance of planning for retirement.
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| February 02, 2024 | | 4 BIG Housing MYTHS Busted
When you are under social, peer, parental, sibling, marital pressure to buy a house direct them to this article, says P V Subramanyam
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| January 29, 2024 | | How To Claim HRA
A taxpayer paying rent to his/her spouse is entitled to claim HRA benefit under relevant sections and within prescribed limits.
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| January 08, 2024 | | What's A Death File?
P V Subramanyam explains what you must know about this most essential financial tool.
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| December 15, 2023 | | Do You Have Cyber Insurance?
Cyber insurance policies cover ransomware attacks and the ensuing damages, including ransom payments, data restoration costs, forensic and other first-party costs, and loss of profit due to business interruption.
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| November 10, 2023 | | NPS: Want To Know About SLW?
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
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| October 25, 2023 | | 'How to compare MFs?'
rediffGURU Ulhas Joshi recommends five factors you need to look at to evaluate the performance of two schemes.
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| October 23, 2023 | | Getting Married? Plan Finances First!
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
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| October 13, 2023 | | Let Your Child Fund Their Education!
Youngsters must remember education is their BIGGEST investment EVER: Their lifelong income-earning provider! asserts CA P V Subramanyam.
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| September 29, 2023 | | How Should The Young Invest Their Money?
I am increasingly seeing young people starting 25-year-SIPs; these kids will definitely benefit from the long term effect of compounding, notes P V Subramanyam.
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| September 18, 2023 | | Falling Rupee: How To Plan Ahead
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
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| September 12, 2023 | | How To Deal With Rise In Rents
'You may opt for a longer minimum guaranteed tenure of 12-18 months. This will ensure that in a rising rental scenario, the landlord doesn't serve you a notice and ask you to vacate the property.'
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| August 22, 2023 | | How To Manage Rising Home Loan EMIs
While managing rising EMIs can be challenging, the right strategy can help individuals can ease their financial burden, says rediffGURU and financial planning expert, Colonel Sanjeev Govila (retd).
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| August 10, 2023 | | Education vs Personal Loan: What You Must Know
Personal loans offer more flexibility in usage but may come with higher interest rates and shorter repayment terms. It is important for individuals to evaluate their needs, financial situation, and future goals before deciding between the two loan options.
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| July 07, 2023 | | Student Loans: 5 Must-Knows
Prashant A Bhonsle lists 5 major points you need to keep in mind before applying for a student loan.
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| April 21, 2023 | | Should YOU Invest In Retirement Funds?
You can build your own retirement savings portfolio by investing in equity, hybrid and/or debt funds. Alternatively, you can also invest in retirement funds which provide asset allocation solutions for different investment needs and risk appetites, says Dwaipayan Bose
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| March 15, 2023 | | Stock Market Losses? Tips To Reduce Tax
Ravi Singhal explains how a taxpayer can go about reducing her/his tax liability if they suffer losses while investing or trading in the stock market.
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| February 07, 2023 | | Invest in ELSS: Save Tax, Create Wealth
The three year lock-in period enables ELSS fund managers to invest in high conviction stocks for a long period of time because of relatively less redemption pressure, says Dwaipayan Bose
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| January 31, 2023 | | Want To Calculate Your Credit Score?
Sujata Ahlawat, Senior Vice President and Head of Direct-to-Consumer Interactive, TransUnion CIBIL, offers a quick glimpse into what a CIBIL Score is, the factors that impact it, and tips for maintaining a healthy score.
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| January 11, 2022 | | How To Claim Tax On A Health Policy
If you have a health insurance policy, you can earn benefits on premiums paid on health check-ups, says Sajja Praveen Chowdary, head-Term Life Insurance, Policybazaar.com.
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| September 22, 2021 | | 'Should I reveal that I am a smoker?'
Roopam Asthana, CEO and whole-time director, Liberty General Insurance Ltd, answers your queries about HEALTH insurance and AUTO insurance.
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| August 25, 2021 | | ASK ANIL: How do I SAVE TAX?
'If I close my housing loan, are there any investment avenues (the investment should provide liquidity) to save tax?'
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| August 13, 2021 | | New vs Old Tax Regime? Want to Choose?
Most taxpayers will benefit from being in the old tax regime, assuming they optimise their salary for tax benefits and claim the deductions available to them.
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| July 19, 2021 | | Your Car Queries Answered
Auto experts from CarJasoos answer all your questions related to buying, selling or maintenance of new cars.
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| March 12, 2021 | | Want your insurance queries answered?
Roopam Asthana, CEO and the whole-time director, Liberty General Insurance Ltd, will answer your queries on HEALTH and AUTO insurance.
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| March 03, 2021 | | 7 tips to SAVE MORE TAX in 2021
Plan these investments well rather than just doing random investments at the beginning of the year or rushing in at the end, advises Harshad Chetanwala, co-founder, MyWealthGrowth.
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| December 31, 2020 | | 10 Financial Resolutions for 2021
As you ring in the New Year, here's a list of the 10 most important financial resolutions to get your money train back on track.
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| December 30, 2020 | | MFs: When is it okay to pull money out?
Many investors, who have made money in the rising market of the recent past, are pulling out of equity funds, believing that they can earn more by investing directly.
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| November 20, 2020 | | Buying cancer insurance? Read this
Bear in mind that the amount you get paid depends on the stage at which cancer is detected, reveals Sanjay Kumar Singh.
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| November 09, 2020 | | How to tackle job loss and ruined finances
Whatever you do, continue to pay your loan EMIs and insurance premiums for term and health policies (not investment-based policies) on time. Then try to buy yourself some breathing space, says Harsh Roongta.
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| September 04, 2020 | | 6 smart tips to make secure payments online
Do not trust any incoming phone calls or mails that ask you to install any file or programme, warns Niranjan Upadhye, general manager-fraud risk management, Worldline India.
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| June 15, 2020 | | Want to opt for EMI on health insurance?
In April, Irdai said health premiums may be collected in instalments to help policyholders who are finding it hard to pay the entire amount in one go due to the Covid outbreak.
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| June 10, 2020 | | Post lockdown: SAVE! SAVE! SAVE!
'If somebody is earning Rs 25,000 then s/he should have at least Rs 75,000 in her/his bank account, so that if anything like this (lockdowns) happens in the future, they are not struggling.'
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| January 03, 2020 | | Why some equity funds are holding their cash positions
Holding cash may actually help fund managers limit downside in the current environment, but large cash component poses the risk of missing out sharp upsides in a broader market rally, reports Jash Kriplani.
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| September 16, 2019 | | Are you a victim of lifestyle inflation? Here's help
'Just like humans binge on food when they are depressed, they also tend to shop for instant gratification. which is just temporary. Please do not fall into this trap,' cautions Sheetal Jhaveri.
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| August 02, 2019 | | Stock market advice: Buy, sell or hold
Ajit Mishra, Vice President, Research, Religare Broking, answers readers' stock market queries. Ajit will offer his unbiased views on a weekly basis
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| January 05, 2019 | | Heard about new-age barter platforms?
In barter, you have the choice of picking up a product that's available with the barter company in exchange for the stuff you want to discard.
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| April 04, 2017 | | 3 disadvantages of group life insurance
If you quit or change jobs in your 40s, buying an individual term plan will be expensive. You might not even get one if you have health problems, says Priya Nair
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| February 10, 2017 | | They ensure your children's financial future
Trustees and protectors can help ring-fence your trust deed and ensure it is executed exactly the way you want, for the benefit of your children, after you are no more.
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| January 31, 2017 | | How to pick winning mutual funds
'To ensure you remain with the better performers, you need to consistently monitor your MF portfolios and weed out the non-performers, even if they are from a star fund manager or a fund house with a sound record.'
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| January 25, 2017 | | How to pay tax and claim deductions for joint home ownership
If a couple is registered as joint owners of a property, the tax authorities expect both of them to show their income or capital gains from the house in their tax returns, says Arvind Rao, a chartered account and certified financial planner
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| April 10, 2015 | | How to check your savings account balance
Going to the bank and using your passbook to find out your bank balance while still available and widely used, technological innovations have brought your bank at your fingertips.
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| February 20, 2015 | | Saving vs investing: What's in it for you!
Saving is not the same as investing as many people wrongly assume. But what's the difference between the two? How does each benefit you. Larissa Fernand has the answers
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| February 19, 2015 | | Are you adequately insured?
This question remains unanswered most of the time due to lack of knowledge or guidance. No more!
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| February 13, 2015 | | Here's how to save tax!
A simple primer on how much money taxpayers can save under various sections of the Income Tax Act.
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| January 30, 2015 | | 5 smart tips for home loan customers
Do you aspire to purchase a house? Are you depending upon a bank or housing finance company to fund your needs? Is the same rate of interest charged by two different lenders confusing you? You are at the right place.
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| January 28, 2015 | | How to plan smart for your retirement
: Get serious about your retirement planning. You don't want to be broke in your eighties! Making smart decisions now will help you enjoy your retirement years.
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| January 25, 2015 | | BORROWING to buy an asset? Don't!
However, if you do borrow for say buying a house -- most people do -- do not be in a hurry to repay the loan. Take a loan at a young age and keep it on for the whole period.
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| January 22, 2015 | | Busted! Top 3 credit score myths
Correct your friends the next time they try to scare you; offer them tips on how they can improve their credit scores if they are poor borrowers
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| January 13, 2015 | | Money lessons from Makar Sankranti
Let's take you on a fun journey on kites and Sankranti traditions and guess what? You can learn a thing or two about financial planning from it as well.
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| January 12, 2015 | | 6 ways to manage money after a layoff
If you have recently been laid off or are worried that your neck may be in the line, it is natural to be worried about your finances. But worrying, as you know, will not get you anywhere. Here are some tips about what you can do to keep the boat from rocking and keep your CIBIL score intact while doing so.
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| November 13, 2014 | | Why should your ATM usage hurt your pocket?
So what if your bank has imposed/will impose a transaction fee of Rs 20 for using ATMs after your fifth visit in a month? You can still remain within your free transaction limits and avoid being charged at all. Wondering how it is to be done? Read on.
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| November 05, 2014 | | Want a home loan without any hassles? Read this
A critical factor that can ensure easier and hassle-free access to home loans is keeping a watchful eye on your Credit Information Bureau India Ltd (CIBIL) Report and CIBIL TransUnion Score.
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| October 20, 2014 | | Money-wise: 5 tips to have a cracker of a Diwali!
By implementing these simple ideas you will not only have saved a lot of money, but ensured that you do not find yourself in a pile of credit card debt or have thrown your monthly budget out of gear.
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| October 13, 2014 | | Married? Your car insurance can come down by 20%!
Apart from traditional factors, some new parameters have also been introduced into auto insurance agreements, which can prove to be a boon for the policyholders and can lower their premiums.
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| October 03, 2014 | | Four money lessons from Dussehra
As you spruce up for Dussehra puja this year, we have a suggestion for you! How about looking at your finances in a whole new way?
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| September 26, 2014 | | Keep track of your financial health this festive season
Gifts for loved ones, spending on yourself on impulse buying on EMIs and credit cards can leave your financial health completely stressed by the end of the year, says Harshala Chandorkar, Senior Vice President -- Consumer Relations, CIBIL
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| February 17, 2010 | | Reader invite: Getting out of a debt trap
We invite our readers to send their useful ideas and suggestions on how to get out of a credit card debt trap for the benefit of those who are finding it difficult to cope with it.
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| August 03, 2009 | | Shop safely this Raksha Bandhan
Here are seven rules that will help you secure your online shopping this festive season beginning with Raksha Bandhan.
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| July 06, 2009 | | Know your insurance rights as employees
The Workmen's Compensation Act provides for insurance and compensation that an employer has to give to employees in case of an injury or death.
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| July 02, 2009 | | Right time to go for a home loan?
In a chat with readers on July 1, home loan expert Harsh Roongta said readers must go for a home loan now if they are planning to buy their dream homes.
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| June 10, 2009 | | How to check your financial health: VI
In the concluding part of the series on personal financial ratios we explain the net invested assets to net worth ratio that will help you stay out of financial troubles.
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| June 03, 2009 | | How to check your financial health: V
In the fifth part of this series that simplifies personal financial ratios, we explain solvency ratio and how it can help you stay out of financial mess.
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| June 02, 2009 | | Understanding debt market basics: IV
In the fourth part of the series that simplifies financial concepts we explain how keeping an eye on interest rates can help you maximise your gains.
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| May 27, 2009 | | Check your financial health: IV
Here is the fourth part of a series to help you analyse personal financial ratios that will help you check your financial health.
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| March 05, 2009 | | Tips to save tax
How should you plan your taxes and dervive optimum returns from them? Should you buy a house, go for a loan in the current economic situation?
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| February 26, 2009 | | 7 steps to make a financial plan
How do you go about making a financial plan for you and your family? What are the benefits of making a financial plan? Do you need huge amount of money to start one?
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| February 19, 2009 | | Should you prepay your home loan?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| January 30, 2009 | | How to invest for your child's future
Which is the best mutual fund plan to invest for your child's future? Which is the best pension plan for you to secure a stress-free retirement life? Financial planning expert Vetapalem Sridhar provides some answers.
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| January 23, 2009 | | Got a home loan query?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| January 21, 2009 | | Haven't filed your tax returns yet?
Can you file your tax returns for the last three years before March 31, 2009? Is a post office recurring deposit covered under Section 80C? Can you claim any tax benefit on money spent on your child's school uniform? How can you avail of tax deductions under Section 80 DD? Can you claim tax deduction on interest paid on personal loans? Here are the answers.
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| January 14, 2009 | | Got a home loan query?
Have a query regarding your home loan? Maybe we can help. Drop us a line and our expert, Harsh Roongta, will answer it.
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| December 30, 2008 | | Financial planning in tough times
Here's how you can make a financial plan that will help you create wealth even in the face of an economic meltdown.
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| December 19, 2008 | | Worried over falling investments? Here's help
Have your investments in mutual funds, stocks, pension plans and various unit linked insurance plans come down by half? What should you do in such a situation? Should you sell all your investments or buy more? What's the right investment strategy now?
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| November 24, 2008 | | Unmanageable EMIs? How to cope
How do you cope with a home loan EMI that's becoming unmamanageable due to various reasons? Can going for a personal loan to pay home loan installments a good idea?
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| November 03, 2008 | | The art of wealth management
Wealth management is an art that can be learnt. It's important to know this art when we are facing a financial meltdown globally.
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| October 16, 2008 | | 10 tips to survive a layoff, financially
Have you been fired from your job recently? Or do you fear it will happen soon? Here are a few tips on how you can survive a layoff, financially.
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| October 10, 2008 | | Health insurance & YOU
Insurance expert Harsh Roongta on all you MUST know about health insurance policies.
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| October 06, 2008 | | 5 things you must know about your MF statement
Your work doesn't stop at investing in mutual funds. Keeping track of them is as important as deciding where to invest. The account statement helps you do just that. Here's what you must check in your mutual fund account statement.
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| October 03, 2008 | | MFs, home loans, insurance & your tax
Do you want to know if your investment in a house, mutual fund, insurance or real estate taxable? How is tax calculated on your ESOPs?
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| September 30, 2008 | | How to start financial planning
Is there a particular age when you should think about having a financial plan? What are the requirements of making a good financial plan? Is it good to take help of a financial advisor? How to find a good financial advisor?
Why not to revolve on your credit card
In difficult times when you are short of means to pay for your credit card bills, paying minimum gives you a breather. However, it may not save you from finding a concrete solution for paying your credit card debt.
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| August 11, 2008 | | 6 facts you should know about your home loan
What should you do in such a situation? Here are a few things that every home loan borrower must remember now that home loan rates are expected to increase further.
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| August 04, 2008 | | Stressed with too many loans? Here's help
Consolidated debt fund is the answer for you if you are burdened with a whole lot of loan repayments from home loan EMIs to vehicle loans to credit card debt.
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| June 21, 2008 | | Investing: Role of a wealth fund manager
A good wealth manager not only helps you in becoming a millionaire during your lifetime, but also contributes significantly to a life of happiness, prosperity and financial serenity.
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| June 17, 2008 | | How to make a litre of petrol go longer
The prices of petrol and diesel have been recently hiked and more can be expected in coming months. A few tips on how to make your litre of petrol go the distance.
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| June 09, 2008 | | How to cut costs: Yap less, eat less
While there is no end to bad news on the economic front you can still tighten that proverbial belt. Here are a few ways of cutting down your expenses.
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