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Cant wait to hang up his boots (18 March 09:23) |
| A year or two away from retirement, for Ganj, 30 years of being disciplined seems to be finally paying off |
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Ask Mint Salaried can file tax returns after a year (17 March 09:14) |
| Harsh Roongta answer readers’ queries on filing IT returns, education loans |
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Ask Mint Old home policy can apply to new home (16 March 10:09) |
| The same householder’s policy can continue for the new house you are moving into. You will have to inform the insurer about your new address and have it incorporated in the policy |
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Metallic colours add to car cost (15 March 09:29) |
| Adhil Shetty answer readers’ queries on car loans, home loans and credit cards |
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Ask Mint on investments (14 March 10:41) |
| Mint answers readers’ queries on investments |
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Did You Know How much home loan are you eligible for (14 March 09:37) |
| Two most important factors that decide the amount of home loan are your income and repayment capacity |
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Customers too have an obligation ask questions (14 March 09:32) |
| Customers are given the terms and conditions (of loans). It’s 3-4 pages of fine print, so nobody reads it |
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Money rules for the Mr and Mrs (11 March 09:19) |
| Money and how you spend and save it can become a contentious issue between couples. Six ways to move ahead |
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Ask Mint Global income of residents taxable (10 March 10:05) |
| Harsh Roongta of ApnaPaisa.com answer readers queries on home loan, savings and education loans |
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ICICI Pru Ulip to invest more from your premium (09 March 10:38) |
| Its new policy, called ICICI Pru Ace, does not have a premium allocation charge, which gets deducted from the premium in case of other Ulips |
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Ask Mint Heavy drinkers pay more premium (09 March 10:37) |
| Insurance cover is applicable even if a person meets with an accident overseas |
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Make the most of the women-only benefits (08 March 11:01) |
| As women stride ahead on the road to empowerment, the government and financial institutions offer special benefits to them. Here’s what they are |
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Ask Mint Loan term can go up till retirement (08 March 10:32) |
| The best thing is to continue the loan because repayment of housing loan provides huge tax benefits |
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Begin with yourself get kids moneywise (04 March 10:04) |
| Iyer invested, but it was erratic; the plan helped him make systematic savings and take his goals seriously |
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NRIs get IDBI trading account (04 March 09:40) |
| The bank would offer the product to NRIs and persons of Indian origin through both online and offline modes. This service would be offered free of cost |
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Ask Mint Stamp duty applies on gifted property (03 March 09:04) |
| No deduction is available for repayment of the principal portion of an education loan |
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Four reasons to cheer four to worry about (02 March 10:29) |
| With bigger tax slabs and extra deduction, you have more money. But how much would you save, given hike in car, consumer durables and fuel prices? |
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Ask Mint Car insurance valid even if you shift city (02 March 09:39) |
| Rahul Agarwal of Optima Insurance Brokers answer readers queries on insurance options |
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Budget signals higher returns on Ulips (28 February 11:34) |
| Ulips are hybrid products in which premiums are predominantly invested in equities and bonds, while a portion of the fund is kept aside for insurance |
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Few understand term insurance (28 February 09:28) |
| Ulips are more popular but some people want safety of returns. Traditional products cater to this mindset because the policyholder knows how much he can expect back |
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Understanding an ultra short-term bond fund (28 February 09:26) |
| One-minute guide to understanding an ultra short-term bond fund |
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Look at MIPs as FDs with a kicker and risk (28 February 09:24) |
| Look at MIPs as long-term investment options that can fetch you higher returns than your bank fixed deposit owing to the equity kicker they build in |
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Towards a better tax structure (26 February 11:09) |
| The Budget’s most significant contribution to tax reform is its reiteration of tenets laid down in the proposed direct tax code and the uniform goods and services tax |
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Home buyers get a goodie (26 February 09:23) |
| Home buyers to get a 1 percentage point reduction in interest rates for the first year of the loan |
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FM gives a push to NPS (26 February 09:07) |
| The government will contribute Rs1,000 for investments between Rs1,000 and Rs12,000 in NPS in a bid to encourage the unorganized sector |
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How much tax do you really pay (26 February 08:38) |
| Besides paying income tax, you also need to pay tax on the goods and services you buy every year. We take three income groups to show how much this works out for you on an average |
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After HDFC Bank ICICI Bank hikes deposit rates (25 February 11:38) |
| The hike in deposit rates comes after the Reserve Bank of India on 29 January announced a 75 basis points hike in the cash reserve ratio, or the proportion of deposits that bank set aside, t... |
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I began hiding my debts from my family (25 February 09:29) |
| Nathany was young, earning well and had no time to think. When he finally paused, he found himself with huge debt |
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Ask Mint Tax break available on renovation loan (24 February 10:49) |
| Claiming tax deduction on a home loan is not linked to claiming HRA. You can claim HRA if the flat’s rent lease is in your name |
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Donating is a great idea but do it right (24 February 10:48) |
| Ensure two things before parting with your hard-earned money; One, the organization you are donating to is genuine. Two, you follow a payment option that ensures least leakage |
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Simple thumb rule for savings save your age (23 February 09:44) |
| We’re lost when it comes to deciding how much to save. While each person will have unique needs, there is a thumb rule you can use |
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Fiscal prudence expected without jeopardizing growth prospects (23 February 09:42) |
| Budget to be positive on agriculture, power and infrastructure sectors; view for banking negative |
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De-jargoned Annuity (22 February 09:29) |
| This works for retired people looking to invest provident fund and other lump sum savings |
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Ask Mint Need collateral for bigger study loans (22 February 09:28) |
| In banking terms, a default occurs when the equated monthly instalment remains unpaid for 30 days |
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Why Guarantee Express products lack steam (22 February 09:23) |
| Tall claims that don’t stand the analysis of a closer look--Bajaj Allianz’s three guarantee-bearing policies may leave you feeling short-changed |
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ABN Amro closing personal loan credit card business (21 February 10:44) |
| ‘The book size of the consumer finance division has almost been halved. The plan is to shrink it to around Rs190 cr’ |
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Reliance Life launches Ulip (21 February 08:50) |
| The highest NAV guarantee fund comprises debt and equity and, hence, the returns are not completely market-linked |
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Banking RBI tightens access to credit ceiling on rates (19 February 09:58) |
| The bank also reduced the ceiling of interest rate on the lines of credit with overseas banks from six months Libor plus 150 basis points to six months Libor plus 100 basis points with immed... |
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Ask Mint Co-owners get tax break in joint loan (17 February 09:18) |
| 100% tax deduction can be claimed on a joint home loan |
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Ask Mint Life cover should be 7-10 times your pay (16 February 09:33) |
| There are life insurance products that offer health insurance riders, such as critical illness rider and hospitalization benefit rider |
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5 insurance plans to buy to protect against terror (16 February 09:32) |
| Terrorist attacks are getting dangerously close to our lives. While there’s not much one can do to avert the threat, financial consequences can be fixed |
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One-minute guide to understanding Travel cards (16 February 09:31) |
| Travel cards offer insurance benefits, such as covers for hijacking, delay in flights or even personal accident |
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De-jargoned Pass-through certificates (16 February 01:15) |
| These are essentially loans issued by banks that are bundled off as securities and sold off to buyers such as mutual funds |
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De-jargoned Pass Through Certificate (15 February 09:46) |
| These are essentially loans issued by banks that are bundled off as securities and sold off to buyers such as mutual funds |
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For regular income look at LT Finance NCDs (14 February 09:50) |
| Although the coupon rate for these non-convertible debentures is not very high, it’s better than what banks are offering at present for a similar term |
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One minute guide - loan against property (14 February 09:35) |
| I am just like any other loan, but to get me you have to mortgage a property you own. It could be a self-occupied residential or commercial property. And, of course, the property should not ... |
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HDFC extends date for 825 home loan rate (12 February 12:04) |
| As per the scheme, those applying for the loan till February and availing the disbursement before March will be eligible for having the loan fixed till March 2012 |
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Knowing numbers isnt enough make the formula work (11 February 09:30) |
| Being a thorough professional, instead of making a random decision, he thought it best to seek an expert’s advice |
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Cheaper home loans to old customers not feasible IBA (11 February 11:49) |
| The IBA said if banks offer lower rates to old customers as well, this will affect their earnings as it is not feasible for them to change their deposit rates accordingly |
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Ask Mint Revised ITR can be filed for refunds (10 February 10:25) |
| Presuming that your ITR was filed within the due date and the deduction in respect of rent was not claimed in the original return, a revised return can be filed now. This will result in refu... |
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