Look at effective interest rate on home loan offers. Availing of ICICI Bank's cashback offer will mean you lose the flexibility to switch or prepay the loan, reports Sanjay Kumar Singh

At the time of filling the KYC (Know Your Customer) documents (when joining), do not sign wherever you are asked to. In particular, look closely at the power of attorney (PoA) section, experts tell Sanjay Kumar Singh

The Insurance Regulatory and Development Authority of India (IRDAI) has issued guidelines that will allow car dealers to become Motor Insurance Service Providers (MISP) and offer the policies of multiple general insurers, says Sanjay Kumar Singh.

Conservative investors and those in the lower tax bracket should opt for these, experts tell Sanjay Kumar Singh

Developers are likely to start announcing their festive season offers soon, reports Sanjay Kumar Singh.

Putting together all the required documents and surmounting legal hurdles could be a challenge for the nominee.

Before you rush to invest in these funds, understand the risks they carry and whether you have the appetite for them, says Sanjay Kumar Singh.

Companies' annual reports can hide as much as they reveal. Investors can get early warning signals of wrongdoing by frequently speaking to other stakeholders.

The gains from investing in direct plans can be higher than the difference in expense ratios.

'In restaurants, the waiter takes your card and then comes back with the machine. Don't allow that.' 'Let him come to you with the machine and then enter the card and the PIN yourself.'

Investing heavily in a top-performing fund during good times can cause long-term pain. Don't invest lump sum at market peaks.

Experts suggest six ways to play stocks that tank suddenly and make money as Sanjay Kumar Singh listens in

When selecting investments, pay attention to potential return, risk and how easily you can exit it.

Before participating, consider company's long-term prospects, premium offered and acceptance ratio.

While Indians don't buy property during May-September due to the holidays/rains/ religious reasons, buyers should scout for property now.

Monitor how long the high cash position lasts. If it lasts for a month or two, it is fine. But if it continues for a couple of quarters, seek your advisor's opinion on whether to exit the fund.

While you can always correct them, the sooner you do it the better it is for you, says Sanjay Kumar Singh

'If you retain your account with the EPFO for 10 years, you get a life-long pension.'

As protectionism grows from the United States to Australia, Sanjay Kumar Singh draws up a comprehensive financial checklist for those shifting to India.

When selecting a liquid fund, stick to schemes with an AUM of above Rs 1,000 crore.