As opposed to term insurance that keeps you covered for a specific time period, opting for a whole life term plan means that you are covered for your entire life, says Santosh Agarwal.
Following the October 24 Supreme Court order, the department of telecom estimated that the total liability of 15 telecom companies, including penalties and interest, would be Rs 1.47 lakh crore.
'Those leading the current political dispensation, whether at the central or the state level, must recognise the enormous risks that their divisive policies are creating for the national security and wellbeing of the country,' cautions former foreign secretary Shyam Saran.
'It looked as if India had been a major player in science at that time, raising the question when and why things changed,' says distinguished aerospace scientist Professor Roddam Narasimha.
If you are one among the millions of existing borrowers who are paying a higher interest rate compared to new borrowers of the same bank, make your shift now, before prepayment charges make it more expensive.
DMart's everyday low pricing model is being replicated aggressively by most players (online as well offline retailers), compelling the firm to keep prices down significantly.
The sum assured is just the premiums that you have paid plus some basic level of return. People often mix investments with insurance. This causes them to often look at the sum assured without understanding the death benefits of the policies in detail.
'The probability of this being a suckers' rally, where all kinds of beaten down stocks have begun to rally sharply, should be a time to be cautious and circumspect.'
All public sector banks have moved to such a regime voluntarily, while private banks are yet to. The state-run banks have introduced repo-linked products for floating-rate home and auto loans, but the RBI said loans to micro, small and medium enterprises (MSMEs) should also be linked to an external benchmark.
'Unlike the Chinese army that has been largely a peace time force, the Indian Army is a battle hardened force,' explains Colonel Anil A Athale (retd).
Tax Guru Anil Rego answers your personal income tax queries.
'The most intriguing thing (about COVID-19) is the range of the illness -- from asymptomatic or less symptoms to death and quite severe manifestations.' 'The vaccine will be at least another year away from having any effect.'
Rajan said banks have typically become used to reasonably slow moving base rate which gives them time to adjust the deposit cost before they adjust lending.
When swayed away by a number of surrounding myths, we fail to understand the financial mechanics of credit cards and end up paying more.
'The theme of death seems to be a theme about which many of us, raised in Western societies, have almost completely removed from consciousness; it represents a theme that is suddenly and forcefully resurging now.' 'And for some, this is scary and destabilising.'
'He never went to the Bombay industry.'
'What Kamala Harris' rise and rise underscores is that our old ways of identifying the Indian-American Diaspora need to change...' 'None of this detracts from her Indian-American identity, which makes us feel as if we are Americans too,' notes Ambassador M K Bhadrakumar.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
The US election campaign has provided plenty of ammunition for the CCP to make its case that its political system is superior.
BPCL's impending privatisation and RIL's stake sale to Saudi Aramco raise questions about the future of the West Coast Refinery, once touted as the world's largest.
'Breaking down silos and ensuring a more integrated governance process is just as important to performance.' 'It has been a major priority in the last six years, especially in national security,' External Affairs Minister Dr Subrahmanyam Jaishankar points out when delivering the Sardar Patel Memorial Lecture-2020: India and the Post-Covid World.
As the pandemic unfolded, the India-China relationship has come under severe stress. To restore normalcy, agreements between the two countries must be respected scrupulously in their entirety. Where the Line of Actual Control is concerned, any attempt to unilaterally change the status quo is unacceptable, declares External Affairs Minister Dr Subrahmanyam Jaishankar.
Experts said the builders will now factor in their losses arising from the removal of input tax credit when they pass on the benefits to end users while the latter may want the entire GST cut to be given to them.
An entrepreneur must have the courage to act on great ideas and plans, says Satanik Roy.
The Minister said the department is yet to calculate the exact interest-free loans to be provided to the industry.
'A score of 750 and above is considered to be good, though these cut-offs can vary depending on the type of loan being sanctioned,' points out Arun Ramamurthy.
In fact, given the current tensions and massed troops on both sides, there is a danger that the LAC will become more like the Line of Control with Pakistan, a heavily fortified and strongly defended border where weapon fire exchanges regularly occur. Indeed, Stratfor Worldview research has listed a sharp increase in new Chinese facilities along the LAC in 2019-20.
'The COVID-19 pandemic must push the military into a long-term reconsideration of its primary challenges.' 'There must be greater emphasis on humanitarian aid and disaster relief including the management of contagious illnesses and impending crises caused by climate change,' notes Ajai Shukla.
There are ways in which you can get a better deal for the interest rate on your car loan, home loan, education loan, personal loan, etc.
'Will Mr Jaitley listen, or is that expecting too much in pre-election season?' asks T N Ninan.
'Howdy Modi is an unforgettable celebration of the crowning of Modi as a world statesman,' says B S Raghavan, the distinguished civil servant.
Understand the magic that SIP brings to the table for you as an investor, says Satyen Kothari. You can start by investing as little as Rs 500 per month.
'If it is airborne -- and we don't know till what distance it can be airborne -- then the mask becomes a definite.' 'Just social distance is not enough.' 'You need a mask in addition to social distance.'
'We have set out a timetable to reduce income tax rates for all incomes below Rs 50 lakh, and to progressively eliminate the surcharges on income above Rs 50 lakh, by 2024.' The Budget speech past CII president Naushad Forbes wants to hear.
'It might get worse. We don't really know what is it that is resulting in the high value of R now.'
'While all would agree on the need to be ready to launch cross-border strikes on terror camps, there is sharp disagreement on how best to do it.' 'Through IAF fighters, or surface-to-surface missiles?' 'Or should army Special Forces be created to do the job?' 'If air strikes are the agreed priority, additional funding must be made available for the purchase of fighters and missiles.' 'If it is to be Special Forces, the army must be facilitated in raising a Special Forces Command,' notes Ajai Shukla.
Secured credit cards offer benefits similar to regular credit cards and hence an applicant should try and get a card with lower fees and more features, suggests Sarbajeet K Sen.
'But the world would be much poorer without economics' contribution to understanding how societies function and without economists' suggestions as to how politicians might improve them. 'And economists themselves could do wonders by simply incorporating the country-specific factors in their econometric models rather than just applying them in toto," say Soumya Kanti Ghosh and Samir K Jha.
'There is a compulsion to look hard, decisive, and risk-taking; start something; and then conclude it in a way you can claim victory.' 'That is not such an easy option against China,' notes Shekhar Gupta.
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