What the global commodity crash means for you

THE ECONOMIC TIMES Tue, Dec 01, 2015 | 09:33 AM IST ET Wealth Newsletter Fine print of claiming tax benefit on life insurance premium decoded The tax benefit on premium paid for a life insurance policy is an important additional advantage of life insurance. Making digitized policies mandatory will give e-insurance a boost: Subbarao Mukkavilli, Karvy Insurance Repository An insurance repository is a facility which allows policyholders to digitize their insurance policies or, in other words, hold their policies in a demat form. What the global commodity crash means for you Global commodity prices have slid to multi-year lows raising fears of a worldwide recession. Here's how you can safeguard your portfolio. Five probable reasons for income tax scrutiny High value transactions related to real estate or done via credit card in a particular year could be a cause for scrutiny. Does a high CTC necessarily mean a high salary? Most large companies tend to follow the CTC concept. However, the extent to which they may be doing so may be different. Tips on how to bounce back after startup failure Take some time off. This is critical, irrespective of how guilty you feel about not earning or not contributing to the world. Quote of the week "Challenge is to win trust of customers" Anuj Mathur Family Finances How Senthil Kumar can achieve long-term financial goals in phased manner Buying a house is a priority for Kumar but this means that he will have to stagger his investments to reach his other goals. Financial Planning Are you managing liquidity effectively? Here's what to do The inability to generate cash at short notice is an issue faced by many. Portfolios should be built keeping liquidity in mind. Money-making venture Startup Zostel offers affordable accommodation facilities to travelers Zostel, which hosted over 20,000 backpackers last year, received Rs 5 crore funding from Malaysia-based angel investor Presha Paragash in May 2014. Entrepreneurs How the Rs 160 crore StarAgri is helping farmers manage their produce Our aim is to connect with 25 lakh farmers. We want to become every farmers' dream partner in their success Financial Calculators Plan your car Car cart! Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. Home Loan Refinance Should you refinance your home loan? Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate. More Calculators Should you invest in a multi-manager fund? The tangible benefit of taking this route is that one can apply for multiple schemes under a single application with a single cheque. ET Wealth-PlanCover.com rankings: Best health insurance plans for young couples Confused about health insurance plans? In the first of this fortnightly series, we list the top contenders for couples in the 18-40 age group. How a day trader lost Rs 95 lakh in stock market His experience reinforces experts' advice: trading is not the same as investing — for some, akin to gambling — and it's best if you avoid it. Improving rentals, expected turnaround of Palladium Hotel makes Phoenix Mills good bet The company's debt-equity ratio in 2014-15 was only around 2%. It is falling further, due to cash flows generated from new launches. How MF investors can provide additional KYC information for FATCA/CRS compliance From January 1, 2016 even existing investors who wish to make fresh purchases, need to meet the additional KYC requirements. More Newsletters ET Mutual Fund A weekly round-up of the top news and views from the mutual fund industry. Markets Watch Round up of stock, currency, bond, money and real estate market ET Investment Opportunities Property, Stocks, IPOs, NFOs, Mutual Funds and latest investment options in your inbox. Daily Newsletter Special stories that round up the major developments of the day. Follow Us on ET: About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2015 Times Internet Limited. To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here To unsubscribe or edit your subscriptions please click here