Buying your first house? Here's a checklist of 9 sales pitches that you should be wary of

Buying your first house? Here's a checklist of 9 sales pitches that you should be wary of

As the festive season approaches, salesmen and agents are preparing to lure you with freebies and discounts. Here’s how to take a decision based on facts.

Before buying a property, read the sales agreement carefully

ET Wealth looks at a few clauses in a sale deed that you should examine closely before signing it.

Now pay more for banking services

While the increase in repo rates will make loans more expensive, you also need to be cautious about the fees and charges for other banking services and transactions, which have been hiked in the recent past.

Exposure to $100 billion unhedged foreign loans: How deep a trouble is India Inc in?

The rupee’s depreciation will result in higher input costs as well as higher spend on the interest payment for foreign loans.

IIFCL or Hudco: Which of the two tax-free bonds should you opt for?

The rating differential will come into play if you want to sell the bonds later. An AAA paper usually commands a better price than AA+ paper in the secondary market.

Quote of the week

"Today, we have an explosion in banking, wherein a bank’s most trusted customers are not the rich but the poor."

P Chidambaram Union Finance Minister

Family Finances

Family finances: High income, early start make goals of Khobragades within reach

The Khobragades have done well in buying adequate insurance and a house early in life. Now, they must shed their inhibitions about equity investment.

Financial Planning

Financial mistakes young investors should avoid

Youth should do away with lame excuses about managing money and develop good financial habits that can serve them well in later life.

Money-making venture

Healthspring: Kaushik Sen's Rs 5 crore venture brings back concept of a family doctor

If one was ill, the doctor would even visit your home and recommend medication,” says Sen, adding, “In the past 10-15 years, the concept of family doctor has vanished.

Entrepreneurs

How Sudhakar Chirra’s online venture, AbhiBus turned into a multi crore venture in six years

'The untapped potential of the bus transport vertical will keep us busy, and hopefully, profitable,' says Sudhakar Chirra.

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

How you should prepare when seeking legal recourse for a grievance

You can save yourself needless hassle, not to mention money, time and effort, if you do a little homework before knocking on the doors of the court.

Should you avail of the ASBA facility?

Two years later, Sebi extended this facility to other classes of investors, including the high net worth individuals and corporate investors.

How to operate MS Excel to arrive at the corpus you can amass

Apart from solving mathematical equations and operating scientific calculators, if one knows the basic MS Excel functions, the calculations can be done in seconds.

How to take first step towards long-term wealth creation

The core, which includes property, gold, the PPF, bank fixed deposits, and the provident fund, represents wealth that should be protected from erosion.

How to obtain credit card protection plan

A card holder must fill an application form to enrol in the credit card protection plan. The form is also available online on the websites of the bank and the CPP.

Daily Newsletter
Special stories that round up the major developments of the day

Markets Watch
Round up of stock, currency, bond, money and real estate market

IPO Watch
Gives you the latest IPO/FPO related news

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The Times of India Daily Newsletter

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	October 07, 2013

		Top Headlines More » Seemandhra students 'missing' from Hyderabad colleges Attendance in Hyderabad's colleges has shown a 25% decline and teachers are blaming it on the ongoing Seemandhra protests. Air India’s Dreamliner aircraft develops technical snag before take-off in Chennai The snag could not be rectified and passengers were made to disembark at around 1.45pm. Two Americans, German win 2013 Nobel prize for medicine Americans James Rothman and Randy Schekman and German-born researcher Thomas Suedhof won the 2013 Nobel prize for medicine. Cities More » Man held selling off his 20-year-old wife Burtolla police arrested a man for selling off his 20-year-old wife in 2011 and then selling her off to a 'flesh trade' agent two months back. Maid rescue: Employer denied bail, to be counselled in jail A 50-year-old woman, arrested for allegedly assaulting and illegally confining a maid in her house here, was denied bail by a Delhi court. Business More » Gold futures rise on firm global cues Gold futures prices rose by 0.79 per cent to Rs 29,000 per 10gm as speculators enlarged their positions on the back of firming global trends. RBI to relax norms for forex futures after rupee stabilizes RBI said it will look at easing restrictions on the forex futures market once stability improves in the foreign exchange market. Sports More » Ready to open innings in all three formats: Rohit Sharma After guiding Mumbai Indians to their second Champions League T20 title, Rohit Sharma said he is ready to open in all 3 formats of the game. Rafael Nadal eyes Masters record in Shanghai After replacing Novak Djokovic at the top of the ATP rankings, Nadal can now become the first man to win six Masters trophies. Entertainment More » It’s difficult for me to get over my father’s betrayal: Mallika Sherawat Mallika Sherawat opens up to TOI just ahead of her upcoming show 'The Bachelorette India — Mere Khayalon Ki Mallika' on Life OK. Will never work with Sanjay Dutt again: Ram Gopal Varma Ram Gopal Varma on the sets of Satya 2, talks about Jiah Khan, Sanjay Dutt, KJo and his upcoming films. Infotech More » Google to launch Gem smartwatch in October: Report Search engine giant Google may launch a smartwatch called Gem later this month to coincide with the release of its Android 4.4 Kit Kat. LG to launch 6-inch curved screen phone in November LG Electronics's display unit said it will start mass production of curved smartphone displays.				Most Read Stories More » Kapil Sharma beats Big B It’s difficult for me to get over my father’s betrayal: Mallika Sherawat Sachin Tendulkar and Rahul Dravid: Two legends conclude their colourful journeys Sridevi suffered from a makeup malfunction Most Shared Stories More » Top 20 ways to prevent diabetes Best exercises for a flat stomach Here’s why you should eat garlic Sun set for 11-year magnetic pole flip Most Commented Stories More » It's OK if minorities don't repay loans, Karnataka Congress chief G Parameshwara says Jihadis wanted for 2011 bid on Advani's life held after 10-hour operation Seemandhra: A million mutinies waiting to break out Sonia dividing Andhra Pradesh to crown Rahul as PM, Jagan Reddy says

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The Times of India Daily Newsletter

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	October 06, 2013

		Top Headlines More » Protesters defy curfew, shoot-at-sight orders in Vizianagaram Satyna Engineering College, run by family members of the AP Congress chief B Satyanarayana, on the outskirts of Vizianagaram, was targeted by the protesters. International inspectors start destroying Syria's chemical weapons: UN A UN official says international inspectors have started destroying Syria's stockpile of chemical weapons and the machinery used to create it. It's all right if minorities don't repay loans, Karnataka Congress chief says KPCC president G Parameshwara on Saturday suggested it's all right for them to cheat by not repaying loans taken from government agencies. Cities More » Air Force glider lands in park in Delhi An IAF microlite aircraft made an emergency precautionary landing in a park near a metro station in east Delhi after the pilot suspected a problem in the plane. Man hangs son, self over wife's illicit affair Suspecting his wife of having an illicit affair, a man allegedly killed his five-year-old son and later committed suicide here, police said on Sunday. Business More » SBI lags in business: RBI report SBI is number one in many aspects but when it comes to business and profits per employee, the country's largest lender ranks below the national average. Gold imports may pick up this fiscal: GJF The country's gold import, which is at a "standstill" now, are expected to pick up and may touch 725 tonnes this fiscal, a top industry body has said. Sports More » It's Sachin vs Dravid for the last time Sachin Tendulkar and Rahul Dravid - will be up against each other for the last time as both the batsmen will quit the shortest format. Djokovic beats Rafa Nadal for fourth China Open win Novak Djokovic won his 4th China Open title in 5 years, prevailing 6-3 6-4 in the final against Rafael Nadal who will replace him as the men's new world number one. Entertainment More » Is Shah Rukh Khan controversy's favourite child? Shah Rukh is helmed as the new 'King' of box-office and the actor, who is basking in the success of his blockbuster movie Chennai Express, is on cloud nine these days. I would respect a marriage where man, woman be free to sleep with anyone: Irrfan Irrfan Khan is everything that he does not play on screen. Maybe that's why he keeps emphasising on lighter, romantic roles. Infotech More » 'Obamacare site architecture flawed' Days after the launch of Obamacare website, millions of Americans looking for information on new health insurance plans were still locked out of the system. HTC One mini available online for Rs 35,000 One mini, the smaller version of HTC One smartphone, may finally be launched in India soon.				Most Read Stories More » Madonna reveals being raped at knifepoint when first arrived in NYC Kapil Sharma beats Big B Is Ranbir Kapoor's 'Besharam' a big flop at the BO? Karnataka salesman ends life, names Prime Minister in suicide note Most Shared Stories More » 9 simple tricks to fall into deep slumber Einstein's brain was different, finds new study How to make rose water at home 5 habits of happiest couples Most Commented Stories More » It's OK if minorities don't repay loans, Karnataka Congress chief G Parameshwara says Karnataka salesman ends life, names Prime Minister in suicide note People who razed Babri mosque talking about toilets: Azam Khan on Narendra Modi Congress leaders quit in droves over Telangana, Jagan to go on indefinite fast

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The Times of India Daily Newsletter

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	October 05, 2013

		Top Headlines More » Jagan Reddy begins indefinite fast, to challenge Andhra Pradesh division decision in SC YS Jaganmohan Reddy launched an indefinite hunger strike at his residence in Hyderabad protesting the Centre's "arbitrary" decision to divide Andhra Pradesh. Operation Puttur: TN, AP police teams nab two terrorists in joint operation in Andhra The joint operation, which sent shockwaves in Chittoor district, ended at around 2.00pm. The police teams were assisted by the elite Octopus forces. Karnataka salesman ends life, names Prime Minister in suicide note Santosh Gowda committed suicide, citing Manmohan Singh's alleged "bad administration" and failure to repel attacks by Pakistan as the cause. Cities More » Senior Doordarshan official suspended for sexual harassment Public broadcaster Prasar Bharati has suspended a senior Doordarshan official on charges of sexual harassment leveled by a colleague. Sex racket preys on poor teenagers Girls have been trafficked and forced into the flesh trade in cities like Delhi, Mumbai, Aurangabad, Pune and Muradabad. Business More » Govt has capacity to overcome 'this period of stress': Chidambaram Union finance minister Chidambaram on Saturday said the current account deficit will be contained below US$ 70 billion this fiscal. India's forex reserves drop by $1.11 billion The forex reserves have declined sharply after a significant gains in the previous two weeks. Sports More » Rafael Nadal reclaims top spot after Berdych retires in semis Rafael Nadal will return to number one in the world rankings after his semifinal opponent Tomas Berdych retired injured at the China Open. Greg Chappell credits gully cricket to Dhoni's success Former India's cricket coach Greg Chappell feels Indian skipper MS Dhoni's phenomenal success must be credited to playing cricket in gullies and parks. Entertainment More » When Sridevi spat on Rajinikanth! Director Bharathirajaa revealed that Rajini told Sridevi to spit on him for real in the scene in which Mayilu spits on the face of Parattai. Madonna reveals being raped at knifepoint when first arrived in NYC Pop sensation Madonna has revealed that she suffered a horrific rape at knifepoint when she first arrived in New York to pursue her career. Infotech More » Google, Cisco, SAP in talks to buy BlackBerry: Sources BlackBerry, on the block as its smartphone business struggles, is in talks with Cisco Systems, Google and SAP about selling them all or parts of itself. Twitter avoiding Facebook's IPO mistakes Twitter's $1 billion stock offering suggests a cautious Wall Street debut by the popular messaging platform.				Most Read Stories More » Indians get visa-free, visa-on-arrival access in 52 nations Sonu’s response to Chhota Shakeel’s threat Besharam fails to impress, Abhinav smells foul play How Vivek Oberoi’s homework impressed the Roshans Most Shared Stories More » Einstein's brain was different, finds new study Indians get visa-free, visa-on-arrival access in 52 nations 9 simple tricks to fall into deep slumber Home remedies to treat acne Most Commented Stories More » 12 crore first-time voters hold key to 2014 Lok Sabha polls Withdrawal of ordinance on convicted lawmakers: Pranab, not Rahul, saved the situation, Advani says Congress leaders quit in droves over Telangana, Jagan to go on indefinite fast My mother told me I used very strong words, Rahul Gandhi says

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Copyright  © 2012 Bennett Coleman & Co. Ltd. All rights reserved. For reprint rights:  Times Syndication Service This site is best viewed with Internet Explorer 6.0 or higher; Firefox 2.0 or higher at a minimum screen resolution of 1024x768