Sops meant to attract end users may not provide enough capital appreciation, says Priya Nair. You may have noticed advertisements from several builders offering affordable homes in the past few months. The implementation of the Prime Minister's December announcement in the Union Budget has suddenly attracted a lot of builders into this segment. And with loans coming at a good 3 to 4 per cent lower than the rack rate of banks, a lot of interest is being generating amid both buyers and ... Rediff.com, 4 days ago
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This will bring down capital gains especially in case of property transactions, reports Priya Nair from Mumbai. Capital gains on sales of assets such as property and gold will decline after the proposal to shift the base year for calculation of the indexation benefit from 1981 to 2001, as announced by Finance Minister Arun Jaitley. The cost index helps to increase the price of acquisition of an asset by taking inflation into account. To calculate the capital gains at the time of selling any ...Rediff.com, 1 month ago
Salaried employees get several benefits under Sections 80C, 80D, 80G and others.Sanjay Kumar Singh and Priya Nair tell you how to invest wisely.Illustration: Dominic Xavier/Rediff.com For many salaried employees, this is the time of the year they dread. And, for good reason. When the human resource department, at the start of the financial year, ask them about investments that will be made under Section 80C and other tax benefits they intend to take, many have the tendency to just put some ...Rediff.com, 2 months ago
Talking about home loan rates, there is good news for borrowers, says Priya Nair.Illustration: Dominic Xavier/Rediff.com After reducing the interest for new home loan borrowers, housing finance major HDFC Ltd has extended the same benefit to its existing customers too. It reduced its retail prime lending rate (RPLR) by 15 basis points to 16.15% from 16.30%. Home loan rates are calculated by reducing the spread from the RPLR. HDFC is offering women borrowers, a rate of 8.65% on loans up to Rs ...Rediff.com, 2 months ago
Now STPs or variable SIPs can earn better returns than vanilla SIPs, experts tell Priya Nair.Illustration: Uttam Ghosh/Rediff.com Financial planners always advise you to invest in stock markets through systematic investment plans (SIPs) because it helps deal with volatility -- a common feature in stock or mutual fund investing. And the typical argument is that when markets go down, leading to falling net asset value (NAV) of schemes, the SIP will help garner more units. These additional units ...Rediff.com, 2 months ago
Pre-paid cards come with a two-factor authentication.One for ATMs and PoS transactions, and the other for online transactions, says Priya Nair. The push towards a cashless society is seeing new developments in pre-paid cards. And these cards are being used for a much wider range of services. Now, you can eat at a restaurant, pay toll charges, fill fuel in your car, buy medicines at pharmacies, book air tickets, do your monthly grocery shopping even buy from e-commerce Web sites with a pre-paid ...Rediff.com, 2 weeks ago
Staying healthy is good news for the insurance company as well.Insurance companies offer discounts anywhere between 8 and 30 per cent discount on premium, says Priya Nair. The very purpose of a health insurance policy is to pay for expenses incurred in hospitalisation. What if your health insurance policy paid you for maintaining a healthy lifestyle? The benefits could be reward points which can be used for discounts at the time of renewing your premium or for consultation at out-patient ...Rediff.com, 1 month ago
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, says Priya Nair. Can someone entrusted to protect the well-being of your family unwittingly act against them, based on your instructions? Private trusts that are set up for the distribution of wealth to the next generation could face this situation if the structure is not carefully formed. Recently, there was a case where a ...Rediff.com, 1 month ago
A day after the principal of a college in Mumbai suggested that 'dressing like a man causes polycystic ovarian syndrome - or PCOS - #DressLikeAnIndianWoman began trending on Twitter. Swati Deshpande, the principal of Government Polytechnic College in Bandra, ...DNA, 1 month ago
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