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How to control spending and start saving

One of the biggest challenges for young investors is their inability to control spending. Here are eight ways that can transform a spender into a saver.

Eight saving ideas that can cost you money

Not all saving ideas help you. Here are eight penny-pinching strategies that can actually leave you poorer.

5 macro indicators that may affect your investments

The revival of the ailing economy will be the focus of the new government in the coming months.

Leadership crisis at Infosys: Is stock still a good buy?

The leadership crisis at the IT major has not only raised a question mark on the companyâ€™s future, but also about the prospects of its investors.

Paying salary to spouse can lower your tax

If you are running a business, you can reduce your tax liability to a great extent by paying salary to your family members. But don't go overboard while doing so, warn experts.

Quote of the week

"Earnings growth of 20-25% and multiple re-rating from 15x to 16-17x can take the Sensex to 1,00,000 by the year 2020."

Varun Goel Head PMS

Family Finances

Hurdled with a low surplus, Kamal Surendran must realign & downsize his goals

"I have not been able to save anything till now, but as my income rises, I intend to put away a higher sum,â€ says Kamal Surendran.

Financial Planning

The benefits of having a financial planner

Anyone who earns, needs a financial advisor. They guide you in making the right investment choices and put you on the path to a sound financial life.

Money-making venture

Rajiv Kumar came back from US; built Manusis Tech, a Rs 2 cr mobile and web app firm

StoreHippo has created more than 50 e-stores since its launch. 'This year, we are aiming to create more than 2,000 stores,' says Kumar.

Entrepreneurs

How Digvijay Dhabriya built Rs 101 cr PVC manufacturing brand with sheer grit

In spite of a devastating fire destroying my factory, I am proud to have risen like a phoenix to establish a Rs 101-crore brand today.

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

Pitfalls to avoid when you opt for housing redevelopment

From running a background check on the developer to securing adequate reimbursements, hereâ€™s how not to get short-changed by the developer.

What inflation? India one of the cheapest places to live in

Although inflation is high in India, the prices of products and services are quite low compared to what people pay in other parts of the world.

How to spot turnaround stocks

You can generate handsome returns by picking potential turnaround candidates early or by investing in companies that are already in the green.

Sensex has a lot of upside left between now and 2019: Nilesh Shah, Axis Capital

Retail investors have an opportunity to create serious wealth, provided they invest regularly and for the long term, says Nilesh Shah.

Ashok Leyland: Improving margins, debt reduction efforts make the stock good bet

The Ashok Leyland management has been tightening its capex and divesting unrelated investments over the past three quarters.

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

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Gives you the latest IPO/FPO related news

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THE TIMES OF INDIA

Tuesday, June 10, 2014

Today's Headlines

India

Pune murder: 17 sent to police custody till Thursday
A court on Monday remanded in police custody till June 12 all the 17 suspects arrested so far in the murder of 28-year-old Mohsin Shaikh in the city.

Prepared to head Maharashtra, hints Uddhav Thackeray
Uddhav Thackeray, Shiv Sena’s executive president, on Monday dropped broad hints that he was willing to head Maharashtra, should the saffron-combine assume office after the October assembly elections.

10,000 additional troops, choppers for anti-Naxal operations
Around 10,000 additional paramilitary troops, two more choppers and around 2,000 engineers/technical personnel will be inducted into the counter-Left wing extremism (LWE) grid in Chhattisgarh.

More India News»

Business

Govt steps up efforts for GST rollout
The government on Monday intensified its efforts to get the long-pending goods and services tax (GST) plan rolling, urging state to embrace the game-changing reform to reduce the cost for industry and fast-track growth.

Sensex at new peak, FII inflows hit Rs 1L crore in '14
The sensex and the nifty on Monday touched new all-time peaks buoyed by optimism over reforms-oriented decisions by the Modi government, which is attracting strong foreign fund flows.

Banks seek tax breaks on deposit income
In a move that is likely to benefit consumers and boost infrastructure finance, bankers will seek tax breaks on deposits and long-term bonds.

More Business News»

Environment

Greenhouse gas emission by oceans rising due to global warming
Rising temperatures can indirectly increase the amount of greenhouse gases emitted by the oceans, a study shows.

Green clearances will not come in the way of country's high growth path: President
"While putting the country on a high growth path, my government will keep sustainability at the core of our planning process," Pranab Mukherjee said while addressing the joint sitting of the Parliament.

India to implement code for energy saving, green buildings by 2017
It will be mandatory for all state governments to implement by 2017 the minimum requirements for energy efficient design and construction set by the central government to meet the challenges of depleting resources, increased urbanization and rapid construction, according to a top official.

More Environment News»

World

29 dead, 26 hurt as Taliban storm Pakistan airport
At least 29 people were killed and 26 others were injured after heavily-armed terrorists disguised as security forces stormed Karachi airport — Pakistan’s busiest — on Sunday night and again exposed the vulnerability of the nuclear-armed country’s vital installations.

2 cops killed in Las Vegas shooting spree
A man and a woman ambushed two police officers eating lunch at a Las Vegas restaurant, fatally shooting them at point-blank range before fleeing to a nearby Wal-Mart where they killed a third person and then themselves in an apparent suicide pact, authorities said.

Boko Haram kidnaps 20 more women
Suspected Boko Haram gunmen have reportedly kidnapped 20 women from a nomadic settlement in northeast Nigeria near the town of Chibok, where the Islamic militants abducted more than 300 schoolgirls and young women on April 15.

More World News»

Entertainment

Is Salman Khan currently single?
Salman Khan’s relationship status has always generated curiosity.

Unbelievably expensive gifts by Bollywood celebs

'Hate Story 2' releases a second censored trailer
It seems the makers of ‘Hate Story 2' are not taking any risks. Keeping in mind the objections raised by the Censor Board, two trailers of the thriller have been released- one with bold content and another without it.

More Entertainment News»

Science

'Human face shaped by millions of years of fighting'
Slugging it out through fist fights have made human faces evolve over five million years into what they are now.

Not just humans, rats show regret too, finds study
A cognitive behaviour like regret was believed to be unique to humans until now. But scientists have confirmed that rats show regret too.

A wristband that allows you to make payments
Could this mean the end of credit and debit cards? A wristband that allows wearers to pay with just a tap is being launched in the UK.

More Science News»

Sports

Nadal predicts golden era coming to close
Spain's Rafael Nadal believes that the golden generation of himself, Roger Federer, Novak Djokovic and Andy Murray could be in its death throes.

Hockey WC: Aus beat listless India 4-0
Australia scored all four goals in the first half and kept the lead intact till the end to secure a massive victory against India in their final group stage clash.

Spain no rigid 'Talibans', says Vicente
World Champs Spain are not soccer's rigid "Talibans" and can vary their trademark possession football if necessary, coach Vicente del Bosque has said.

More Sports News»

Technology

RCom rolls out free national roaming offers
RCom rolled out free national roaming offers to target corporate, SME and high-value post-paid and prepaid GSM customers.

IBM spends heavily on contract staffing in India
IBM is the biggest spender on IT contract workforce hiring in India, and the spend is almost double that of the next biggest spenders.

Mphasis's ex-CFO Ganesh Murthy joins as Dell CFO
Ganesh Murthy joins Dell from Mphasis, a subsidiary of Hewlett-Packard (HP), where he worked for five years serving as executive vice president and CFO.

More Technology News»

Education

Pawan Goenka named IIT-M board chairman
Pawan Goenka, executive director and president, Automotive & Farm Equipment Sectors, Mahindra & Mahindra Ltd, has been appointed chairman of the board of governors of Indian Institute of Technology- Madras.

Will launch madrassa modernization programme: President
President Pranab Mukherjee on Monday said the government will spread modern and technical education among minority communities and launch a madrassa modernization programme.

Pawan Goenka appointed chairman of board of governors at IIT Madras
Goenka, who is taking charge on Monday, is the 12th chairman of the board of governors of the institute and will hold the post for three years.

More Education News»

Mumbai

Pakistani national gets stay on deportation till July 14
The Bombay high court on Monday extended its protection against deportation for Pakistani national Siraj Khan till July 14. A bench headed by Justice Shiavax Vazifdar asked him to appeal his conviction order, passed in January by a magistrate in Dadar.

Man withdraws Rs 10k, bank sends SMS for Rs 25k debit
A journalist from Nandurbar in northern Maharashtra has been making rounds of a police station in Borivli (East) for a month after he found that Rs 25,000 had been debited from his bank account when he had only withdrawn Rs 10,000.

Light rain in Mumbai, Met says monsoon yet to reach Maharashtra
Isolated incidents of light precipitation in the city on Monday evening were categorized as pre-monsoon showers by the Met department, which said the monsoon winds were still a good distance away.

More Mumbai News»

Delhi

Record registrations likely at DU, cutoffs may go up
Going by the pace of registrations this year, Delhi University officials expect to set a new record in undergraduate courses.

2 more arrested for Geeta Colony heist
Two more people were arrested in connection with the Geeta Colony jewellery heist.Rs 50 lakh loot was also recovered .Police said one of the accused had acted as an informer, while the other was directly invol- ved.

Delhi continues to reel under outages
Lieutenant governor Najeeb Jung’s measures to mitigate the city’s power crisis seemed to have little impact as residents across the capital continued to reel under long outages on Monday, even as the heatwave showed no signs of abating.

More Delhi News»

Bangalore

29 rioters nabbed, ban orders in Belgaum
Twenty-nine persons were arrested on Monday following a clash between two communities at Khadak Galli and Ghee Galli in the heart of the city.

Rajeev Gowda's primary loss takes him to Rajya Sabha
As the aphorism goes, 'When a door closes, a window opens': that's exactly what's happened as Gowda is now going to the Rajya Sabha instead of SM Krishna.

Parties ensure nominees enter Upper Houses unopposed
Senior Congress leader BK Hariprasad and IIM faculty MV Rajeev Gowda (both Congress), businessmen Prabhakar B Kore (BJP) and Kupendra Reddy (JDS) are set to be elected unopposed to the Rajya Sabha.

More Bangalore News»

Hyderabad

Defeaning sounds of sorrow
Right from the break of dawn on Monday, a steady stream of distraught parents and relatives of the 24 missing students were seen pouring into the Rajiv Gandhi International Airport (RGIA).

Discontentment in TDP over denial of ministerial berths
Discontentment surfaced in the TDP a day after Chandrababu Naidu’s cabinet was sworn-in with at least four MLAs making it clear they are unhappy for being excluded from the ministry.

Naidu plans to develop 10 smart cities in Andhra Pradesh
Andhra Pradesh chief minister N Chandrababu Naidu said on Monday that the land for the new capital in the Vijayawada-Guntur area would be acquired from private parties in the ratio of compensation for 60 per cent of the land and suitable land at an alternative place in lieu of the remaining 40 per cent.

More Hyderabad News»

Chennai

Surprise showers bring temp down by 12 degrees C
There were no blues this Monday as the skies were grey, exactly what everyone was waiting for after the searing temperatures of the last 10 days.

Tamil Nadu seeks finance hub status for Chennai
Tamil Nadu on Monday pitched for Chennai to be developed as an international finance hub, given its proximity to East Asian countries .

Gold or not, garbage stays on streets
After the initial euphoria, Chennai Corporation's 'gold for garbage' incentive to keep city streets clean seems to have fizzled out.

More Chennai News»

Ahmedabad

Solar panel makers yet to get government subsidy of over Rs 30 crore
When Narendra Modi was chief minister of Gujarat he aggressively promoted renewable source of energy with focus on generating solar electricity.

Beggar can be chooser, opts to donate
The district of Mehsana, which is the native place of Prime Minister Narendra Modi and also Gujarat chief minister Anandiben Patel, also boasts of a person who has the heart to share the meagre amount he gets from begging at temples!

Gujarat cadre ex-IAS officer joins PMO
Pramod Kumar Mishra, a retired IAS officer (1972 batch) of the Gujarat cadre, has been appointed the additional principal secretary to Prime Minister Narendra Modi.

More Ahmedabad News»

Allahabad

Padma Shri Ashok Chakradhar to be awarded
In this context, a meeting of the sansthan office bearers was organised at its office under the presidentship of poet Shlesh Gautam.

Prayag Sangeet Samiti faces shortage of Bharatnatyam, Kuchipudi trainers
Shortage of Bharatnatyam and Kuchipudi trainers had hit Prayag Sangeet Samiti which is finding it difficult to spread the dance form at its branches all over the country.

Allahabad swelters with humidity levels at 77%
The city reeled under sultry weather conditions and humidity touched the season's highest of 77% on Sunday.The weather deviated from the heat wave conditions and soaring temperature.

More Allahabad News»

Bhubaneswar

Special team to zero in on kidney racket victims
After two women of Nayak Sahi here lodged complaints with Mangalabag police last month, alleging that they fell prey to kidney sale racket, police are trying to trace other victims, if any, in the area.

2 arrested in journalist murder case
Police on Sunday arrested two of the four accused in the alleged murder of a journalist at Khallikote in Ganjam district.

SC panel on mines reaches Bhubaneswar today
A two-member Central Empowered Committee (CEC) on mining, appointed by the Supreme Court, is scheduled to reach here on Monday to take stock of the mines operational in the state.

More Bhubaneswar News»

Bhopal

Club Ink celebrates life and works of Maya Angelou
Club Ink celebrated Maya Angelou's life and works on Sunday at Swami Vivekanand Library through a session of 'Memorabilia: A Readers' Discussion on Maya Angelou.'

Youth stabbed over delay in giving water
In the second incident in a month, a youth was killed over water at Janakganj in Gwalior on Saturday evening.Hariram Khatik, 36, was stabbed by three others over delay in giving them water.

Madhya Pradesh reels under extreme heat for fourth straight day
A large part of Madhya Pradesh, especially northern and north eastern regions continue to reel under extreme heat wave conditions.For the fourth consecutive day, the state experienced abnormally high temperature.

More Bhopal News»

Chandigarh

Ph.D holders eligible for assistant professors in Haryana: HC
Giving respite to hundreds of Ph.D qualified candidates, holding Ph.D degree in compliance with UGC (Minimum standards and procedure for award of Ph. Ddegree) regulation 2009, the Punjab and Haryana high court on Monday made them eligible for the selection on the post of Assistant Professor in the state.

Power cut in sectors was mock grid failure
It turned out to be a hot and horrible Sunday for city residents.While the temperature touching 45C makes it difficult for them to move out, long hours of power cuts makes it difficult for them to stay indoors.

PGI defies MCI orders against branded medicines
PGI, which houses the country's costliest chemist shop in the emergency ward, has been defying the Medical Council of India's orders of prescribing generic medicines (non-branded) as far as possible.

More Chandigarh News»

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