Cover Story
Chandralekha Mukerji
With interest rates expected to fall, long-term debt funds have started
buying debt papers with long tenures to gain from high yields. So, is it
time to change your unit-linked insurance plan portfolio and use
the free-switch option available with the plan to increase exposure to
debt?
Principal Large Cap Mutual Fund has outperformed its category four times in past five years.
As the Internet
becomes important in our life, it is time for you, too, to set up a
website.
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Office in the Cloud
Google (Docs) v/s Microsoft (Office 365): How do the two popular online office productivity suites fare when pitted against one another, feature for feature?
Rajesh Exports is among the top gainers in the last six months with return of over 60 per cent.
Careers
Devashish Chakravarty
Coming back from a career break is not easy. The best strategy would be to plan your re-entry well in advance.
I have considerable investments in mutual funds and equities. Now I
wish to liquidate some of them. I also have a second house that provides
me an income of Rs 5,000 every month. Do I sell part of my equity
investment and take a loan or sell my house?
The government's decision to accept all the major recommendations of the
Shyamala Gopinath committee that reviewed the National Small Savings
Fund (NSSF) will bring in major changes in the country's canvas of
fixed-income securities.
"The cover story (Filled with Hope, November 2011) paints an optimistic
picture of the future of the Indian stock market. While it is true that
that a predominant bearish sentiment is the best time to take a position
in good stocks, I'm unable to understand whether the present slide has
ended."
Smart Spending
Sam Abraham
Sam Abraham introduces new products and services to help you zero in on those that offer value for money.
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Protect your Child
Child safety seats are easily available in the market but which is the right one for your child?
Perspective
Pritam P Hans
Supreme Court has ruled in a verdict delivered on 8 November, 2011, that if a company goes bust, its employees will have the first claim on it assets for their employee provident fund dues.
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Regulator Watch
A look at recent rulings in the banking, telecom and capital market which can affect you.
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Rupee falls 13% in three months
In the last 3 months alone, the rupee has depreciated by 13 per cent,
falling from the level of Rs 45 in August 2011 to Rs 51 as of 16
November 2011.
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Freedom for Borrowers
The National Housing Bank (NHB) has directed housing finance companies
(HFCs) to stop levying charges on repayment of all floating home loans
ahead of scheduled tenure,
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Women use debit cards lesser than men
The central bank had commissioned the survey to assess customer
satisfaction in the usage of automated teller machines (ATMs) across the
country.
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Trivia and Telling Figures
2.15 per cent is the growth in overall employment in India during
April-June 2011, compared with 1.62 per cent a year ago, according to
the labour ministry data.
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Cheques now valid for just 3 months
From 1 April 2012, cheques, drafts, pay orders and banker's cheques will
be valid for only three months. Currently, these instruments are valid
for six months from the date of issue.
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Realty deals become transparent
The real estate sector has become slightly more transparent with new disclosure norms for mortgaged commercial properties.
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Inner Voices
"If a person has idle cash in savings account, he should invest in
liquid funds where there is relatively lower interest rate risk," says Lakshmi Iyer, Head (Fixed Income), Kotak Mutual Fund.
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Pension schemes get user-friendly
From 1 December 2011, you can expect pension plans to be more
transparent and user-friendly, while providing a guaranteed return on
your capital.