Money Today Archive September 2011 Issue
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Edition: September 2011

Cover Story

Pritam P. Hans and Chandralekha Mukerji

Spotting a Safe House

Buying a house? How to steer clear of land troubles

Times have seldom been as tough for home buyers. Lenders have increased interest rates a number of times in recent months. On another front, the land acquisition issue is becoming too hot to handle.
  • New land Bill should be balanced The recent land acquisition row shows that even government commitment cannot be relied upon. Before buying land from the government, developers will now have to verify the title and the process followed for acquiring that land.
  • How to cut your home loan burden A home loan with a low interest rate might turn out to be costly in the long run. Learn how to keep your interest burden low throughout the loan tenure.
  • How a joint home loan is beneficial Taking a joint home loan can be beneficial on many counts. Here we give you a snapshot of the mechanics of such loans.
  • Insuring your new house a must Just bought an apartment in an upscale housing project with all modern amenities? Make sure it is insured against unforeseen calamities
  • Invest in realty PE funds to spread risk Invest in real estate private equity funds to spread your risk and to avoid the hassles of buying and selling properties.
  • Invest in realty after thorough check Most realty stocks are down in the dumps and the near-term outlook is looking bleak. Investors should focus on companies with strong fundamentals.
  • Demand for Indian Debt Paper Rising High demand for domestic debt continues among foreign institutional investors, who have already invested $3.7 billion during the current calendar year.
  • Serviced appts give higher rental income As India globalises, serviced apartments have a bright future. You can invest in one of these to get a higher rental income.
  • 'Realty investments help against inflation' In the last economic boom, tier-2 cities saw a lot of speculative activity, but the demand was not genuine, Pranab Datta, vice-chairman and managing director of property consultant Knight Frank India, tells Pritam P. Hans.
Insurance
Chandralekha Mukerji
Avoid getting Trashed
Rejection, of any kind, hurts. If it is an insurance claim, the double blow of financial and emotional setback can be even more stressful. Here we tell you how to avert such a situation.
  • How to handle multiple insurance policies Should you keep your insurance covers simple and segregated or bundle products, buy riders to get protection at a discounted rate? We try to resolve the dilemma.
  • How to best claim insurance money An insurance claim is to be made in accordance with policy conditions, usually relating to the extent and quality of information provided to support the claim.
Investment
Bexy Kuriakose, Head, Fixed Income L&T Mutual Fund
One needs to evaluate one's investment horizon, risk appetite and liquidity requirements before deciding between fixed deposits and debt funds.
Insight
Best Loan Buys
Are you scouting for a loan to buy a house, a car or for your child's education? Given below are the best deals on offer from public and private sector lenders.
Editors Note
In our cover story, we set out for you in great detail how you should approach the purchase of property to minimise your risks. We also give you the lowdown on how the tussle over land acquisition processes is likely to impact you as a property buyer.
Commodities
Rahul Oberoi/Money Today
Getting Your Portfolio Oiled
If you are looking to diversify your portfolio, you can invest some funds in oil and oilseeds for steady returns.
Talk Back
Buying a home in the hills as a summer retreat or second home is surely gaining popularity as mentioned in your story (Lure of the Mountains, August 2011). As a native of one of the hill regions, to me, the trend is a bit disconcerting, says Arjun Singh from Darjeeling.
Smart Spending
Best Driver's Car
We give car enthusiasts their due and rate cars on how well they suit a driver, classified into six price categories. Here's the second part of the series.
Perspective
A look at recent rulings from markets and banking sector which can affect you.
  • Gold rush on even as equities falter It's gold that's shining the brightest at a time other investment options, equity and real estate, have been hit by the crisis in the global economy and land acquisition problems, respectively.
  • RBI rate hike hits bank loan rates After the Reserve Bank of India hiked the short-term policy rate in July to tame inflation, over a dozen banks raised lending rates.
  • Guarantees Stay in Ulip Pension Plans Irda, in its new regulations on ulip pension plans, has said that while it doesn't want to fix a guaranteed rate of return on pension plans, it wants some guarantee in absolute terms at the maturity of the pension plan.
  • An 'Indication' of the Yields Sebi has asked fund houses for more disclosures in scheme information documents of close-ended debt funds on securities in which they will invest.
  • Entry Load Makes a Comeback in MFs The Securities and Exchange Board of India (Sebi), which banned entry load in August 2009, has allowed mutual fund distributors and agents to charge Rs 100 as 'transaction fee' per subscription for investments over Rs 10,000.
  • Trivia and Telling Figures 55 million additional jobs India needs to create by 2015 to maintain the current ratio of employed people to total population of 39%.
  • Quote Unquote "US downgrade and concerns over growth in developed markets led to further selloff in the markets. There is a possibility that money will move out of risky assets like equity," says Mahest Patil, head of equity, Birla Sun Life Mutual Fund.
  • Panel recommends safer banking norms A committee headed by M Damodaran, former chairman of the Securities and Exchange Board of India, has recommended many steps to make banking more convenient and safe.

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