In the story on debit cards (The Deal with Debit Cards, 24 July), you say that the ATM withdrawal limit is Rs 1 lakh a day. But the customers of Deustche Bank can withdraw up to Rs 1.5 lakh. If the card is lost and the owner realises it after a few days, the bank reimburses up to Rs 2.5 lakh for any fraud that occurs during the period. The bank reimburses the money even if the date of misuse is prior to the FIR filed by the card-holder.
— Mumun Loadha, Bengaluru
The ATM withdrawal limit of debit cards varies according to the type of account you hold with the bank. If there is a fraud, all banks insist that you produce a letter of claim, a copy of the FIR duly acknowledged by a police officer and a copy of your bank statement highlighting the disputed transactions. It is only after you submit these documents that they begin the investigation.
Your section on careers is very informative. Please carry a story on job opportunities for the physically challenged. I have a hearing impairment and despite being adequately qualified, I am unable to get a job. Companies and human resource consultants do not respond to my job applications. This apathy is unfair. My disorder has no bearing on my mental faculties. Therefore, it should not disqualify me for a position suitable to my abilities. There are many people like me who are suffering from such a bias. A story on this subject with details of career options and contact points of job consultants will be very useful.
— A reader from Surat
It is sad, but true, that corporates discriminate against the physically challenged. We shall consider doing a story which discusses the employment opportunities available to such people. Also, the financial planning for the disabled is different. We shall try to look at this aspect too.
Could you send the details of the software used to calculate tax on short and long term gains on investments in stocks?
— B P Salunke, Nashik
There is no software for this purpose. We shall mail you a calculator which can help you compute the tax liability.
More and more people are opting out of regular jobs to work from home (Stay-at-Home Careers, 7 August). So the guest column on this subject was very relevant for today’s workforce. However, you should also have specified the costs involved in starting such careers. For instance, would it require separate office space and equipment? There might also be regular expenses which must be accounted for and should have been mentioned.
— Mahesh Kapasi, Delhi
The career options discussed in the column require minimal expenses. This is why we did not mention them. But you are right in pointing out that such expenditure must be factored in by those wanting to work from home. Write in to us if you want this input for a specific career.
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