How to make the most of your debt portfolio amid volatile rates

How to make the most of your debt portfolio amid volatile rates

Here are some common debt instruments, along with their features, how they score on various parameters and which type of investors will find them useful.

Q4 results: Exporters to do well, rest still a drag

The tangled and sometimes difficult domestic equations can throw a spanner in the works of infra, cement, banking and oil & gas sectors.

Should mutual fund investors book profits now?

The current rally is a good time to book partial profits on your MF investments, especially if important financial goals are nearing.

5 tips on spending your annual bonus

If you have just received your bonus, don’t just splurge it. We tell you how to use this windfall judiciously.

Planning to resolve complaints via social media? Things you should beware of

When you lodge your complaint, specify the nature of your query and location; mention the city, but not your address.

Quote of the week

"I think this is just the beginning. Going forward, we are looking at 15-20% annualised returns from the Indian markets."

Mark Mobius Executive Chairman

Family Finances

An early start & high savings rate will help Dubeys achieve their goals with ease

The Hyderabad-based Dubeys have managed to invest across asset classes, but like most young people, they have failed to get the proportion right.

Financial Planning

Shift in social attitudes may give rise to aware investors

If the newfound activism in voters spills over to wealth management, it will pave way for the ordinary people to participate in wealth creation.

Money-making venture

Pegasus ToyKraft: How Shyam Makhija & Anuj Mehta reinvented the toy business to create a Rs 4 cr venture

Today, Pegasus exports toys to 20 countries, including the US, Russia, Poland, Romania, Bulgaria, Greece, South Africa, Egypt, the UAE, and Australia.

Entrepreneurs

How Shyam Sunder Mundra turned Ujaas Energy into a Rs 500 crore business

Shyam Sunder Mundra started as a consultant, then moved on to manufacturing transformers, before venturing into solar power plants.

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

Don't get tricked by the jargon banks use

Here are a few common tricks they have up their sleeves and how you can avoid getting fooled.

iPad apps that help your kids learn

The iPad is not just a fun gadget for adults, but thanks to its large, responsive screen, it can be a great educational tool for children.

Should you invest in multi-cap mutual funds?

If you can’t decide whether your portfolio should have a large- or a mid- and small-cap tilt, let the fund manager of a multi-cap fund do so.

Use the tax-friendly Ulips to rebalance your portfolio

The tax-friendliness of Ulips make them an ideal instrument for rebalancing the portfolio. Unfortunately, few investors use this facility.

How to plan a modular kitchen

It is easier to plan a modular kitchen if you are building a house from scratch, but an existing one can also be renovated to modernise it and suit your needs.

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

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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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News Digest: Even the Buddha left his wife: Modi's brother

		THE TIMES OF INDIA
		Tuesday, April 22, 2014
		Today's Headlines

		India
		Even the Buddha left his wife: Modi's brother Prahlad Modi, the younger brother of BJP's Prime Ministerial candidate Narendra Modi, came out in support of his brother on the wife issue. Mulayam kicks up row, says Dowry Act widely misused Samajwadi Party chief Mulayam Singh Yadav on Monday kicked up a fresh row with his statement that the Dowry Act law was being rampantly misused.  Tie up with Gujarat to guard Modi: Centre to states At a meeting convened by home secretary Anil Goswami recently to discuss VVIP security during elections, some states had objected to Gujarat Police’s “abrasive” behaviour while discussing Modi’s protective cover. More India News»

		Business
		Roy promises to pay Rs 10k cr after bail Sahara group chief Subrata Roy and two Sahara directors on Monday told the Supreme Court that they would deposit Rs 10,000 crore, half in cash before May 30 and half through bank guarantee by June 20, if they are released forthwith from Tihar jail where they have been detained since the last 45 days. TCS, Mitsubishi to form $600 million joint venture Top Indian IT outsourcer Tata Consultancy Services (TCS) is consolidating its operations in Japan, the world's second largest software services market, with local conglomerate Mitsubishi. Beat poll volatility with dividend-paying stocks In the past 10 years, the day Lok Sabha poll results are announced, markets have witnessed record high volatility.On May 17, 2004, the sensex hit lower circuit and ended over 11% down. More Business News»

		Environment
		Indian Bustard, Lesser Florican feared extinct around Nashik region The Great Indian Bustard and the Lesser Florican, birds once found in abundance in the region, are feared to be extinct, while seven other avian species have been marked as 'highly endangered'. Biofuels from corn less beneficial than reported: Study To mitigate increased carbon dioxide emissions and reduced soil carbon, the researchers suggested planting cover crops to fix more carbon in the soil. Kolkata's citizens pitch in to make their city green From reclaiming parks and open spaces to promoting carpools and empowering rag-pickers to manage waste, denizens of this eastern metropolis are pitching in to make Kolkata green. More Environment News»

		World
		Pipeline delay gives boost to Obama's political base The latest delay to a final decision on the Keystone XL oil pipeline will reinforce a White House strategy to energize President Barack Obama's liberal-leaning base before fall elections in which Democrats risk losing control of the U.S. Senate. Syrian presidential election set for June 3 amid civil war Syria called a presidential election for June 3, aiming to give President Bashar Assad a veneer of electoral legitimacy in the midst of a civil war that has killed more than 150,000 people. UN condemns ethnic killings in South Sudan Some individuals “associated with the opposition” had used an FM radio station to broadcast hate speech. More World News»

		Entertainment
		Shah Rukh-Salman online wars are passe Now it is fans of the younger generation stars who exchange angry abuses in cyberspace After Pratyusha, Sara mends bridges with Madhura TV actress Sara Khan seems to have realised that there is no life without friends. Just some time back, she patched up with Pratyusha Bannerjee, who she fell out with over the latter’s ex-boyfriend Makrand Malhotra. Chetan Bhagat's journey from books to the box office Author Chetan Bhagat seems to have found his creative foil in cinema. A year after Kai Po Che, based on his novel The 3 Mistakes Of My Life, the film adaptation of his work 2 States has found appreciation. More Entertainment News»

		Science
		Birds may help us fight heart attacks, strokes A new study into how the world’s highest flying bird, bar-headed geese, is able to survive at extreme altitudes may have future implications for low-oxygen medical conditions in humans. Bulletproof vests from stem cells? Human stem cells have demonstrated a bizarre property never before seen at cellular level, according to a study published by University of Cambridge scientists. Out: Recipe for home-made graphene Scientists have found a surprisingly simple recipe that can allow for mass production of the wonder material graphene, using just soap and a blender, right in your kitchen. More Science News»

		Sports
		Meb Keflezighi wins Boston Marathon Meb Keflezighi became the first US male athlete to win Boston Marathon in 3 decades, the first running of the race since last year's fatal bombing attack. Debutant Bengaluru win I-League title Bengaluru FC wrote a new chapter in Indian football by clinching the I-League title in their debut season courtesy a 4-2 away win over Dempo Sports Club. Moyes facing sack at United: UK media Manchester United are set to sack manager David Moyes less than a year after he took charge of the 20-time English champions, British media reported. More Sports News»

		Technology
		Nokia phone division to be renamed Microsoft Mobile Ahead of the closure of Nokia-Microsoft deal before the end of April, a leaked letter in Finland shows that Nokia Oyj will be soon renamed as Microsoft Mobile Oy. Cognizant top executives get 163% of target bonus Cognizant's phenomenal performance in 2013 has prompted the Nasdaq-listed company to award its top five executives with dollar bonuses that are at approximately 163% of the target bonus amount. First impressions: HTC Desire 816 HTC Desire 816 follows the same design philosophy as the company’s flagship phone, HTC One complete with dual, front stereo speakers. More Technology News»

		Education
		Rabindra Bharati University convocation The West Bengal State Academy Dance Drama Music and Visual Arts Awards which is a part of RBU will be conferred on Alokananda Roy for her contribution to dance. ITBP chief asks students to think of the poor The school being constructed by National Buildings Construction Corporation with an estimated cost of Rs 23.75 crore is funded by contributions from ITBP personnel. Himachal public service panel studying UPSC exam pattern Tomar said since the existing state exams were similar to those of the UPSC civil services (main) exams, it has become imperative for the commission to consider the changes made by the UPSC. More Education News»

		Mumbai
		Women empowerment with or without HRT In Indian politics today, women’s empowerment seems to be the code-word to success. Women have been, are and must be the focus of attention at any given time—more so ‘Peri-Menopausally’. Religion will cast the deciding vote in Mumbai slum It was around 6pm in Dharavi’s kumbharwada and smoke from the furnaces was billowing through the narrow lanes. Buddha ashes: MLA booked for thrashing three men The three victims from Bharipa Bahujan Mahasangh had filed a police compliant seeking a probe into Ram Kadam’s claim that the ashes are 2,500 years old More Mumbai News»

		Delhi
		3 nabbed for beating up cop A policeman posted with the crime branch in outer Delhi was beaten up by a group of men while he was heading home on Saturday night. He had to be admitted to a hospital following the assault. Man held for molesting DU student in north Delhi A man has been arrested for allegedly molesting a Delhi University student whom he met on a social networking site. Delhi cops, govt 'colluded' during 1984 anti-Sikh riots: Sting operation A sting operation by Cobrapost on several police officers serving in Delhi during the 1984 anti-Sikh pogrom allegedly exposes how police refused to act against rioters. More Delhi News»

		Bangalore
		ComedK completes counselling for PG dental seats ComedK on Monday finished its first round of counselling for PG dental courses, ahead of the government.All the general merit seats were picked up, despite discontent among students over this procedure. Kids take school to court for denying admission under Right To Education A bunch of six year olds on Monday moved the Karnataka High Court, seeking to know why they could not be admitted to a private school in Kalyan Nagar, under the RTE quota. KSRTC bus topples, 23 suffer injuries A KSRTC bus toppled at Kudur, near Solur cross in Magadi taluk of Ramanagaram district on Monday afternoon, injuring 23 persons. More Bangalore News»

		Hyderabad
		'Welfare schemes can be run by Jagan's riches' Balakrishna trained his guns at Jagan."People like Jagan are making useless statements against TDP during political campaigns. Traffic curbs for BJP meeting today City police have imposed traffic restrictions in view of the BJP's public meeting to be held at LB stadium on Tuesday. Andhra Pradesh high court refuses to quash FIR against Byreddy Justice Nooty Ramamohana Rao of the AP high court on Monday refused to stay the criminal case filed against Rayalaseema Parirakshna Samithi president Byreddy Rajasekhar Reddy. More Hyderabad News»

		Chennai
		100 dog bites in city every day since 2011 An after-dinner stroll may be good for digestion but could be more hazardous to health than anyone in the city has imagined: People report more than 100 cases of dog bites every day. Director General of Audit official arrested for demanding Rs 35-lakh bribe from Chennai nursing college Dr A Paramasivan demanded Rs 35 lakh for settling the irregularities of a nursing college in Chennai. BJP-led rainbow alliance has made DMK-AIADMK bipolar contest less relevant in Tamil Nadu: Advani He said the biggest change in Tamil Nadu politics was that the battle was not confined to the two Dravidian parties. More Chennai News»

		Ahmedabad
		HC recalls order on mining leases In a big relief to the mining lease holders across the state, Gujarat high court on Monday recalled its order asking the state government to cancel all sand mining leases that do not have environment clearance. Mango crop damaged in squall-pounded areas The mango crop this year in areas hit by Sunday evening’s storm is likely to adversely affected. Kesar mango crop is likely to be just 50% of the total production last year, feel experts. Last year, Kesar mango yield was about 7 tonne per hectare. Violent Wind, Rain Killed 9 Nine persons died and 74 injured in the thunderstorm that lashed the state on Sunday evening, according to the figures provided by government hospitals. Most of the victims were from poor neighbourhoods where structures collapsed in the storm. More Ahmedabad News»

		Allahabad
		Lovers jump in river, man succumbs A 40 years old man and his 35 years old beloved jumped in Betwa river on Sunday evening near Nautghat bridge in Baruasagar.The passerby rescued the woman but the man could not be saved. Air Chief Marshal visits Central Air Command headquarters Air Chief Marshal, Arup Raha, PVSM AVSM VM ADC Chief of the Air Staff and his wife Lily Raha, president Air Force Wives Welfare Association (AFWWA) visited headquarters Central Air Command (CAC), on Monday. Union minister who couldn't afford to buy house A Union home minister being rendered homeless for his inability to purchase the rented house seems unfathomable in today's scenario.  More Allahabad News»

		Bhubaneswar
		Re-polling in six booths sought Chief electoral officer Mona Sharma has proposed to the Election Commission for re-polling at six booths in Cuttack and Keonjhar districts in the wake of disruptions during second-phase elections on April 17. Sudden rise of prices becomes hot potato Price of ubiquitous potato, a regular on menu, may go through the roof, upsetting kitchen budget. Ghadai speaks up, but stops short While Pritiranjan is the sitting MLA of Korei, his father was deprived of a ticket. Prafulla has represented Sukinda five times in a row since 1990. More Bhubaneswar News»

		Bhopal
		Dewas villagers say no road, no vote More than 500 voters of Gangapur and half a dozen adjoining villagers have threatened to boycott April 24 elections in Dewas Lok Sabha constituency. Strong winds hit normal life, trip power High-velocity winds brought about sudden change in weather conditions, affecting normal life and taking families out on weekend by surprise on Sunday night. Jet discontinues Ahmedabad flight State government's initiative to rope in new airlines to make Bhopal a central hub by reducing VAT on aviation turbine fuel (ATF) has failed to attract airlines. More Bhopal News»

		Chandigarh
		Sector 20 resident becomes proud owner of exotic animals Vinod Kumar Sonu, a resident of Sector 20, has claimed to be the first in the city to own a pair of sugar gliders, nocturnal and arboreal marsupials that are native to Australia and Indonesia. 3 juveniles convicted in murder case A local court on Monday convicted three juvenile offenders, including the son of a woman constable of Chandigarh police, for the murder of a 24-year-old boy three years ago. Give your 'best friends' healthy meals It's not just the city residents who are treading the path of fitness.Their 'best friends', too, are joining the trail. More Chandigarh News»

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