Why you need an insurance against accidents and how to buy one

Why you need an insurance against accidents and how to buy one

A mishap can easily devastate your finances. Find out how you can cover this risk at a very low cost.

Should you invest in emerging businesses?

The argument of investing in small companies is also compelling because they can grow at a good clip and become multi-baggers with their share prices rocketing.

How to secure and sync phone contacts, data

Do you fear losing all the data if your phone gets lost or stolen? Here is a list of tools that will help you keep the data safe

How to handle tricky situations at workplace

Don’t compare yourself with others or lose sight of what matters more to youâ€"job satisfaction and security, or career progression.

Covers to boost the insurance provided by your employer

An independent cover will not only help you during a job switch but also come in handy in case your claim breaches the Rs 3-5 lakh limit.

Quote of the week

"People are not accepting the lower growth of 5%. But we have to communicate to them that we are doing much better than 170 countries."

P Chidambaram Union Finance Minister

Family Finances

Despite tilt towards real estate, Salunkhes will meet goals through equity

Despite the extreme tilt towards real estate and no risk coverage, the Salunkhes will meet most of their goals through equity exposure.

Financial Planning

Which type of equity investor are you?

Before deciding on your equity investments in the run-up to the election results, identify yourself as an investor.

Money-making venture

IndiaCollegeSearch: Online portal that helps students connect with colleges

IndiaCollegeSearch had to network with colleges & universities to find out about the courses offered, before analysing the data to understand student trends.

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.

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Will you buy insurance online?

Despite the growing awareness, only one in five insurance buyers takes the online route, according to a study.

Stocks with low valuation that can make for good picks

According to experts, investors need to be careful about picking stocks because most of them are quoting at lower levels for valid reasons.

Mindtree: Higher growth, lower valuations make stock ready for re-rating

Mindtree has hinted that its growth rate will be better than growth projected by Nasscom. Its revenue growth in 2014-15 is seen better than 2013-14 in dollar terms.

Small-caps outperforming large-caps; how you can make your smart bet

While small-cap stocks have the potential to yield higher returns than large-caps, especially during an economic recovery, they also carry higher risks. Here's a road map for investing in these stocks.

Things to know about redeeming demat units

Mutual fund investors have the option of holding their units in the demat form. This can be achieved by indicating this option and quoting the demat details in the application form.

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

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News Digest: US faces pressure to take India to WTO

		THE TIMES OF INDIA
		Tuesday, May 06, 2014
		Today's Headlines

		India
		US faces pressure to take India to WTO The US government is coming under intense pressure from lawmakers to act against India at the World Trade Organization (WTO) for what they say are violations of patent rules. For 30 seats, TMC must stop BJP push It’s advantage Congress and Left in the first two phases of LS polls in Bengal, forcing Trinamool into such a steep asking rate that it cannot afford to lose more than three seats in the final two phases.  Uttarakhand govt set up medical facilities at Kedarnath The Uttarakhand government has made elaborate medical arrangements for pilgrims visiting the Kedarnath shrine, which reopened on Sunday. More India News»

		Business
		US faces pressure to take India to WTO The US government is coming under intense pressure from lawmakers to act against India at the World Trade Organization (WTO) for what they say are violations of patent rules. PEs buy 5% more in Aster Health for Rs 400cr The latest investment values the Kochi-headquartered Aster at Rs 7,600 crore ($1.3 billion), almost 60% higher than the current market value of Fortis Healthcare controlled by billionaire brothers Malvinder and Shivinder Singh. Honda recalls more than 30,000 cars in India Honda Cars India Ltd (HCIL) is recalling over 30,000 units of select variants of the Amaze entry sedan and Brio hatchback to inspect them for a possible defect in the brake system. More Business News»

		Environment
		Two-day herbivore census begins in Gir The two-day annual census of herbivores in Gir Forest and National Park began on Monday.The count will determine the prey base for the lions in the area. Government plans fresh socio-economic survey of forest dwellers Seeking to bring out a comprehensive plan for forest management involving local community across the country, the Centre will conduct a fresh socio-economic survey of forest dwellers and those live in fringe villages within the limit of 3 km from the forests. Rampaging elephants kill two, injure dozens in Jharkhand Wild elephants went on rampage in Bundu killing at least two people and leaving over a dozen injured on Monday. More Environment News»

		World
		Egypt's Sisi says Muslim Brotherhood is finished Egyptian presidential frontrunner Abdel Fattah al-Sisi on Monday appeared to rule out reconciliation with the Muslim Brotherhood movement, raising the specter of a prolonged conflict with a group he said was finished. Greece: Smuggling boats capsize, 22 migrants drown At least 22 people — including families trapped in a flooded cabin — drowned when a yacht and a dinghy crammed with migrants trying to slip into Greece capsized Monday in the eastern Aegean Sea, authorities said. Abbas, Hamas chief hold first talks since unity deal Palestinian president Mahmud Abbas began talks with Hamas chief Khaled Meshaal in Doha on Monday in the first meeting since their rival movements signed a surprise unity deal, an official said. More World News»

		Entertainment
		Actress warns co-star to behave well on Kapil's show Sonali Raut and Zoya Afroz (Miss India 2013, Second Runner-up), who are making their Bollywood debut with The Xposé, came to blows while making a promotional appearance on Kapil Sharma’s television show. Amitabh Bachchan, Chitrangda Singh to pair up? Buzz is that Amitabh Bachchan and Chitrangda Singh will be seen in Rumi Jaffery’s yet-to-be-titled thriller. Revealed: Who is Rajkummar Rao's girlfriend? Not many know that 24-year-old Patralekha (earlier known as Anwita Paul), the debutante leading lady of Rajkummar Rao’s forthcoming film City Lights, is also his real-life girlfriend. More Entertainment News»

		Science
		Forget brain, wiring in your retina detect motion first Making sense of at which direction and at what speed a car is moving may not be possible without the interpretation of the brain, but processing of some of these information starts right at the retinas of the eyes. Out: Formula to win Rock-Paper-Scissors Scientists have discovered a new formula that can help you win at Rock-Paper-Scissors by predicting your opponent’s moves. Blood transfusion from young to old reverses ageing: Study Transfusion of blood from a young body to old body has been found to reverse ageing. More Science News»

		Sports
		I do think of quitting, says Mary Kom Olympic bronze-medallist Mary Kom gears up for the CWG, the five-time world boxing champion says the thought of quitting crossed her mind several times. Woods says he's healing from surgery World number one Tiger Woods says his recovery from back surgery is going slowly and he's not sure when he'll be able to return to golf. Suarez named Footballer of the Year Luis Suarez was named England's Footballer of the Year by Football Writers' Association, completing an award double after taking PFA accolade last month. More Sports News»

		Technology
		Apple poaching medical technology experts for iWatch: Report It looks like the Cupertino giant is readying a team of senior medical technology experts who will help the company in its plans. Does Infosys need BG or a Gerstner? In April, soon after Infosys announced results for the March quarter, TOI spent a few minutes with CEO S D Shibulal. One of our questions was whether he saw an internal candidate succeeding him when he retires by January 2015. He didn’t directly answer the question. Facebook may have over 100 million fake accounts globally Facebook said the website may have over 100 million 'duplicate' accounts, and their percentage being higher in markets like India. More Technology News»

		Education
		SC order on nursery admissions tomorrow A Supreme Court bench made it clear that it cannot pass a general order and relief will be confined to those 22 parents who filed petitions before it. Is the American MBA losing its allure? A recent survey in the Economist reveals that America, dubbed the "spiritual home of the MBA," still leads in the business of business schools. Delhi University forms to have college choice again Students applying to DU will once again have the option of choosing the college they want.Last year, under the four-year undergraduate programme, students were only allowed to choose the course. More Education News»

		Mumbai
		Railways to pay Rs 4L, Maharashtra CM Rs 2L to victims' kin Railway minister Mallikarjun Kharge announced on Monday that all treatment expenditure of the injured passengers will be borne by the railways. A day later, Aditya Thackeray changes tack on Mumbai Gujaratis A day after TOI reported about Aditya Thackeray supporting Shiv Sena leader Sanjay Raut’s editorial in party mouthpiece Saamna that criticized the city’s Gujarati community, the Yuva Sena president said on Monday that he wanted to put an end to the controversy. Rail mishap victims suffer due to lack of timely, proper aid Hemant Pandey (30) lay soaked in blood, barely moving all through the 140km ride in an unequipped ambulance to Mumbai from Raigad district, where the Diva-Sawantwadi train derailed on Sunday. More Mumbai News»

		Delhi
		SC to hear AAP plea against imposition of President rule on July 4 A bench headed by Chief Justice R M Lodha was requested by senior counsel Fali Nariman, appearing for AAP, to keep the matter for hearing in first week of July as LG has informed that he will deal with the issue after May 16. DTC decides to install CCTVs in 200 buses in first-phase With an aim to keep vigil on every passenger, Delhi Transport Corporation (DTC) has decided to install CCTVs in 200 buses, including AC and non-AC floor buses, in the first phase. DERC backs discom plea on gas power Regulator DERC has said it supports Tata Power's petition to surrender power and discontinue procurement from the government's economically unviable gas-based stations. More Delhi News»

		Bangalore
		Land scam comes to light in Bangalore suburbs Have you registered a site or building on revenue land in Bangalore’s outskirts in the past year or so? Just ensure the documents are authentic. Karnataka to face two-hour long power cuts daily The government has finally admitted that the state is in the grip of a power crisis and load-shedding going up to two hours will be the order of the day in most parts of Bangalore. Also, the northern part of the city will be the hardest hit. Siddaramaiah in a hurry to rehabilitate his Man Friday Chief minister Siddaramaiah has taken a less troublesome route to rehabilitate his Man Friday, former Union minister CM Ibrahim. He has decided to appoint Ibrahim as the deputy chairman of the Karnataka State Planning Board. More Bangalore News»

		Hyderabad
		Seemandhra turns garrison for polls  Sensing political tension in the Seemandhra region that is going to polls on Wednesday, the Election Commission has thrown an unprecedented security blanket over the 13 districts even as campaigning came to a close on Monday evening.  BJP warms to TRS, with MIM rider In order to prevent the Congress from coming to power in Telangana, the BJP is ready to support the TRS provided the latter does not align with the MIM. Students hit as UK body cancels tests The career dreams of thousands of students and young professionals from Hyderabad, who were headed to the United Kingdom after taking two separate English language tests, now lie shattered as the UK Council for International Students announced this week that it will not consider scores of a testing agency on account of fraud. More Hyderabad News»

		Chennai
		DMK seeks repoll in nine Tirupur booths, says cop interfered Accusing the returning officer of “acting like a district secretary of the ruling AIADMK”, DMK has sought repolling in nine booths in Tirupur Lok Sabha seat. India, a democracy of mobile phones The mobile phone has been playing an important role in India’s Lok Sabha elections by providing candidates access to their supporters. Only 2.5% of students in IIT race from TN A mere 2.5% of those in the race for the coveted IIT seats are from Tamil Nadu this year. It is 14th on the list of the states in the terms of the number of students who have qualified for JEE (Advanced) 2014. More Chennai News»

		Ahmedabad
		Nitin Patel throws hat into ring for Gujarat CM's post Senior BJP leader and No 2 in the Gujarat cabinet, finance minister Nitin Patel has declared his intention to be named chief minister if Narendra Modi moves to Delhi post-elections. Ran-ki-Vav to figure in Unesco World Heritage list Experts from the International Council on Monuments and Sites (ICOMOS), a body which has a special responsibility as adviser to Unesco on world heritage sites, has favoured including the 11th century Ran-ki-Vav step well in Patan in the list of world heritage monuments. Toxic liquor kills two Two men living in the same housing society died on Monday morning after consuming toxic liquor. For now, police have ruled out methanol poisoning and have sent viscera samples to the forensic science laboratory for ascertaining the actual cause of death. More Ahmedabad News»

		Allahabad
		Congress seeks removal of 'biased' officials for fair poll A Congress delegation on Sunday met the injured party workers and accused the Mutthiganj police of acting at the behest of the ruling Samajwadi Party. Security scare for Ghulam Nabi Azad as cops go missing at helipad Union health minister and former chief minister of Jammu & Kashmir Ghulam Nabi Azad on Sunday had a security scare as soon as his chopper touched down at Majidia Islamia Inter College. Shoe hurled at Modi, misses him by a mile As soon as Narendra Modi started his speech at Parade Ground on Sunday an unidentified man, sitting in the group next to security cordon, hurled a shoe towards the main dais. More Allahabad News»

		Bhubaneswar
		Odisha priest made auxiliary bishop of Ranchi Archdiocese A catholic priest from Sundargarh district in Odisha has been appointed by Vatican to be the new auxiliary bishop of Ranchi Archdiocese. Wedding season hots up in summer Marriage invitations are pouring in across the city with a large number of couples tying the knot from May 1- May 20. Mangoes from Odisha now Bangladesh-bound At a time when the European Union (EU) has banned import of mangoes from India, Odisha has found a new market for the king of fruits in Bangladesh. More Bhubaneswar News»

		Bhopal
		Annoyed over eviction notice, tenant 'blasts' house A man apparently annoyed over an eviction order by his landlord allegedly blew up the house he had rented in Anuppur district of Madhya Pradesh. No one was injured. Family out for an hour, burglars take away Rs 15 lakh, gold Timed burglary to take advantage of family members' absence from a house for an hour, burglars broke four out of five locks and made off with cash and gold jewellery worth Rs 15 lakh on Saturday evening. Fee hike: Babus mull action against schools, district education officer seeks directions on action Parents have alleged in their complaints that school bags are getting heavier each year despite directives to cut down weight of school bags. More Bhopal News»

		Chandigarh
		Not poll issue, Ram temple matter of faith: Shanta The hill town of Palampur is etched in BJP's history as it was here in 1989 that the party's national executive had adopted the Ram Janmabhoomi resolution. Once seat of royalty, Patiala city has no transgender voter today Transgenders are registered as 'others' category, along with the male and female column in the voters' lists.The data on them has been released by the Election Commission after the Punjab polls. Bring railway lines, pollsters tell candidates  For 30 years, HP state government employee Hanspal Chauhan (57) has been religiously boarding a narrow-gauge passenger train No 52471, from his tiny village Nagrota Suriyan to Kangra before taking a bus to Dharamshala. More Chandigarh News»

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