10 tips to master the art of bargaining this festive season

THE ECONOMIC TIMES Tue, Sep 19, 2017 | 06:33 AM IST ET Wealth Newsletter

10 tips to master the art of bargaining this festive season Bargaining is such an integral part of the shopping experience that even a salesperson would feel cheated if you docilely accepted the product at MRP. These 8 gestures of a salesperson will decide if you are going to get a good deal Find out the meaning of various gestures and facial expressions and how these tell if you are going to get a good deal. Why bargain hunting is the key to investing in stocks The only thing you can control is the price at which you buy a stock, or rather, whether you buy it or not at a given price. From our Partners Insurance for senior citizens—is it worth it? Think senior citizens should invest in insurance even after they retire? Here is what you need to know. From our Partners Lessons from failure: 5 things that make or break startups Startups are on the rise in the country. But the start-up formula is not easy to master. So read on to find out an expert's take on the dos and don'ts of owning a startup. Going shopping? Here are 5 ways you can get the better of a hard-selling salesperson Find out the tactics and mind games that dealers or salespeople resort to and the ones that you as a consumer can equip yourself with. Quick tips to strike the best deal while buying a car, house or appliances Buying a car, house, or an appliance? Here are some quick steps you can follow to strike the best deal. Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) Mirae Asset India Opportunities Fund Direct- Growth 4.79 16.96 25.74 16.87 Motilal Oswal MOSt Focused 25 Fund Direct-Growth 3.23 17.34 23.55 16.85 Invesco India Growth Fund Direct-Growth 4.58 18.19 23.94 16.71 Mirae Asset India Opportunities Fund Regular- Growth 4.74 16.54 24.83 15.95 SBI Bluechip Direct Plan-Growth 3.75 13.38 17.05 15.72 FeaturedDSP BlackRock Strategic Bond Direct Plan-Growth ★★★★★ 0.03 4.75 6.91 10.27 Start SIP 6 Android alternatives to iPhone X Apple's iPhone X comes with a number of firsts. But, there are devices available on Android too that boast of enviable features at a cheaper price. 7 ways to get a loan quickly If you are facing a financial crisis, don't despair. There are a few ways you can get money in a pinch, depending on how urgently you want the funds.

Financial Calculators Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay. Home Loan Refinance Should you refinance your home loan? 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. More Calculators

Recent low inflation means you pay more capital gains tax Between 2008 and 2012, consumer inflation was raging in double digits, which meant that debt fund investors were earning tax-free gains. Things to consider while choosing a retirement home Senior living housing projects and assisted living facilities are transforming the way senior citizens live during their golden years. Should you invest in holding company or its subsidiaries? Valuations of holding companies are not in sync with that of their subsidiaries. The trading price of parent company and that of their holdings have widened. ​Bitcoins lose lustre in the face of flak The RBI has been cautioning people against bitcoin trading though, unlike China, it hasn't asked trading platforms to close operations. 9 steps to ensure your child grows up into a financially responsible adult A child's money habits are shaped by the family environment. Be a responsible role model so that when time comes for them to be independent, they won't flounder. Should you buy annuities when rates are high? These 6 factors will help you decide Insurance companies usually review their annuity rates on a monthly basis, so the reduction may happen at the beginning of next month. How to start, increase, pause SIPs Mutual funds have tailor-made SIPs to help investors efficiently manage them. The facilities allow investors to alter SIPs according to different situations. How to generate a monthly investible surplus? Knowing that money has already been allocated and not available will help you curb spending. As one sees wealth being created, savings will become a habit. Expect rebound in earnings in second half of 2017-18: Sanjay Kumar, PNB MetLife "The government's strong push for low cost housing, augers well for housing finance companies," says Sanjay Kumar CIO, PNB MetLife DSP BlackRock Tax Saver Fund : A conservative tax-saving pick The fund maintains a large cap bias where its exposure is higher compared to peers in the same category and its portfolio turnover is on the higher side. Stock pick of the week: Why analysts are upbeat about Power Finance Corporation The recovery in the power sector and the resultant robust business growth during the first quarter was another reason for PFC's improved performance. Tax optimizer: Salaried Saha can cut tax outgo by investing in NPS, debt mutual funds Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. What are income-oriented investment products These are products designed to provide regular income to investors and are suitable for those with lower risk and return specifications. Child's higher education more important than retirement saving for Indians: Survey The HSBC Power of Protection study analyses how much members of a family in India depend on and support each other financially. Hiring outlook for Oct-Dec 2017 better than previous quarter: Manpower Group survey Indian employers expect hiring to remain positive in the Oct-Dec timeframe, finds the Manpower Group Employment Outlook survey. How startup Threadsol is helping garment manufacturers cut cost The startup, which has drawn investments of over Rs 20 crore from Blume Ventures and Catamaran Ventures, at one time struggled to stay afloat. Alternative investment returns monitor: For the week ending September 13, 2017 Here's a weekly tracker of returns from alternative investments. But don't compare these with returns from traditional investments.

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