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How can present crisis alter personal finance for you     

Uma Shashikant lists three probable changes that can help us improve the quality of our finances. This can happen through the creation of a ..more>>


Don't lean on risk profilers for asset allocation     

It is common for wealth managers to proclaim that their advice is process-driven. Banks, broking houses and individual advisers would like investors to believe ..more>>


View Archives

Changing Nominations after Marriage 3 months ago  

Nominations can be changed by cancelling existing ones and making new ones. After marriage, one can change a nomination to include wife more >>


Filing Complaints with Insurance Ombudsman 3 months ago  

An individual who has a complaint pending with any life insurance or general insurance company for more than a month can approach more >>


Trigger Option in Mutual Funds 3 months ago  

Trigger option is a facility offered by mutual funds to partially or complete redeem investments by specifying certain limits. A trigger when more >>


Delivery Instruction Slip 4 months ago  

A Delivery Instruction Slip is used by sellers of securities to instruct their depository participant to debit their demat account. All details more >>


Subscribing to the Rights Issue 4 months ago  

Rights entitlements are offered to the existing shareholders of a company as a ratio to the number of securities held as on more >>


Liquidity in a Retiral Portfolio 4 months ago  

All retiral portfolios must provide income, they must also be liquid enough to meet any short term financial emergency. Hence, flexibility to more >>


NPS Tier II Account Withdrawal 4 months ago  

Investors can withdraw funds from the tier II NPS account without any restrictions. The withdrawal form, along with a copy of the more >>


Pre-paid Credit Cards 4 months ago  

Pre-paid credit cards allow the holder to make purchases up to the amount loaded on the card. These are issued by banks more >>


Managing a Mid-career Sabbatical 4 months ago  

A mid-career break requires planning to manage commitments and expenses on a smaller income. Arrangements must be made to either pay off more >>


Settlement of Deceased Holder's Bank Account 4 months ago  

Funds in the deceased holder's bank account can be claimed by providing the death certificate of the deceased and proof of identity more >>


Registering a Will 4 months ago  

Registering a will is a good practice to avoid legal hassels and unnecessary costs. A will can be made on plain paper. more >>


Putting the Annual Bonus amount to use 4 months ago  

In case the annual bonus amount is an unexpected inflow of funds, an individual must first put the money in a liquid more >>


Premature Withdrawal of Term Deposits 4 months ago  

Banks are required to allow premature withdrawal of deposits by individuals. The interest that is paid on the deposit will be the more >>


Reporting the Loss of Credit Card 4 months ago  

Credit card holders are typically protected from liability from the misuse of a lost or stolen credit card provided the loss is more >>


Features of an Emergency Fund 4 months ago  

The money set aside for an emergency fund must be held in investments that have a high degree of liquidity and stability more >>


What drives the price of gold? 5 months ago  

The price of gold is influenced by actions of central banks and international institutional investors who alter their holding in gold in more >>


A Budget to Stay With 5 months ago  

Saving for life’s goals needs a budget that has to be realistic, flexible and one that considers the likes and interests of more >>


Inoperative Bank Accounts 5 months ago  

An inoperative bank account loses facilities such as periodic statement of accounts, ATM and Any Where banking. There is no penalty on more >>


Opening a Securities Trading Account 5 months ago  

SEBI has standardised the procedures for opening a securities trading account with a broker. While the note on the procedures and tariffs more >>


Online Bill Payment 5 months ago  

The facility to make online payment of bills is offered by banks to customers. The biller has to be registered with the more >>


Change in Residential Status of Investor 5 months ago  

A change in the residential status of the mutual fund investor from resident to non-resident and vice versa has to be registered more >>


Secure the financial interests of the child 5 months ago  

The addition of a child to the family comes with obligations to secure the financial interests of the child. Insurance cover of more >>


Financial Affairs of the Elderly 5 months ago  

Keeping track of the financial affairs of elderly parents becomes essential as they get older. Reluctance to take financial decisions, excessive worry more >>


Tax on Winnings from Lottery 5 months ago  

Winnings from lottery, games of chance and races are liable for TDS at a flat rate of 30% if it exceeds specified more >>


CSGL Account 5 months ago  

Retail investors can participate in the auction of Gsecs and hold these securities in dematerialized form by opening a CSGL account with more >>


Compounding Benefits in a Portfolio 5 months ago  

Portfolios see a lower growth if the benefits of compounding are missing from it. Investors can do some simple things to make more >>


PoA for Transactions 5 months ago  

A PoA empowers its holder to conduct transactions on behalf of the grantor. The scope of transactions allowed is specified in the more >>


Dividend Transfer Plans 5 months ago  

Dividend transfer plans allow mutual fund investors to shift the dividends paid in a scheme to another scheme of their choice from more >>


Gold in a Retiral Portfolio 6 months ago  

The role of gold in the portfolio of an individual close to retirement is limited, since it does not generate periodic income more >>


Encashment of NSC 6 months ago  

NSCs held can be enchased on maturity at any post office in India. The identity of the holder is verified before the more >>


Insurance Top Ups 6 months ago  

Top up policy allows the insured to enhance the scope or amount of cover at a lower cost. The policy can be more >>


A Household's Balance Sheet 6 months ago  

Financial planning is an exercise that enables a household to make choices relating to the income, expenses, assets and liabilities. Decisions that more >>


Tax Benefits on a Joint Home Loan 6 months ago  

Co-borrowers of home loan who are also co-owners of a property are eligible for tax benefits available on repayment of home loan. more >>


Equity Contract Notes 6 months ago  

The equity contract note is evidence of trades done on a stock exchange on behalf of an investor. It contains the trade more >>


Managing Financial Paper 6 months ago  

Sorting financial paper regularly, keeping only current documents and shredding what is not required are the three steps to organize paperwork created more >>


Converting Card Purchases to Loan 6 months ago  

Credit card holders may be given the facility to convert purchases made into a loan. Card issuer may specify the period during more >>


Reconciling TDS 6 months ago  

An assesse stands to lose on credit for tax paid if TDS is not fully reflected in the TIN records. Therefore a periodic reconciliation more >>


Teaching Kids Money Habits 6 months ago  

Managing money is an important life skill for kids to learn. Giving them a monthly allowance in which they have to take care of certain requirements more >>


Build a Sound Financial Base before Marriage 6 months ago  

Sunil should not consider marriage till he has built a corpus to take care of his financial obligations.He must take care not more >>


Obtaining International Travel Card 6 months ago  

International travel cards are a convenient and efficient way to meet expenses when travelling abroad. They are pre-paid cards and are easy to buy more >>


Capital Losses From Equity Trades 6 months ago  

Capital losses from equity trades can be carried forward over a period of seven years and set off against gains thus reducing future tax more >>


Saving for Studies 7 months ago  

Funding higher education is a challenge for many youngsters, even if they have begun to earn some money.  They need to evaluate how much more >>


Tracking IT Returns 7 months ago  

more >>


Tax Audit 7 months ago  

If your revenue or turnover from profession or business exceeds certain prescribed limits in a year, you have to get your accounts more >>


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