Are you making the most of your Employees' Provident Fund?

Are you making the most of your Employees' Provident Fund? Though it keeps a low profile, Employees' PF is one of the most effective ways to save for retirement. Find out how you can gain big from it. VPF is better than the PPF: KK Jalan, Central Provident Fund Commissioner The allotment of UANs to EPF subscribers will obviate the need for transferring the balance. UANs have been allotted to 4.17 crore contributors. Why you should keep your gold allocation intact despite its recent poor run The primary reason why you should still maintain an allocation to gold is that it is the best diversifier available to an Indian equity investor. Stocks that will gain when the GDP revives If the Indian GDP grows at a faster speed as is expected in the coming years, the stock market will respond positively to it. Prepaid or virtual cards can help transact safely online Prepaid cards by non-banking institutions and virtual cards by banks can reduce the risks associated with online payments.

Quote of the week "There's no reason why India shouldn't go back to 7% growth. If India unleashes its full potential, it can grow faster than China." Hans-Paul Burkner Chairman

Family Finances Family Finances: Hulwans need to forgo some goals to achieve the more important ones Given the large number of financial objectives andlow surplus, the Hulwans will need to increase their equity exposure and forgo some goals. Financial Planning Three traits for investors to detect a fake company The recent case of PACL has brought to light a fundamental weakness in our society that aspires to get rich quick—no matter what the cost. Money-making venture Work Better: Swapnil Kamat's Rs 4.2-crore venture helps professionals Work Better's clientele comprises big corporates such as HDFC Bank, Axis Bank, Mahindra & Mahindra, Deloitte and Trident Hotels. Entrepreneurs CouponDunia: Why US-born Sameer Prawani chose to start his Rs 12-crore venture in India For someone who was born and raised in Boston, USA, setting up a venture in India would not be an easy task. 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

Working with a Gen Y boss? Follow these steps for your own and the team's good Born between mid-80s to mid-90s, also known as the millennials or GenY, they are off to a flying start. Four steps to secure unclaimed mutual funds payments Sebi says such funds have to be invested by fund house in shortterm debt instruments. Net asset value of these funds is also calculated. With unique business model, Repco to benefit from economic recovery Though its stock is cheaper compared to market leader HDFC, Repco quotes significantly higher compared to other mid-cap home finance companies. Don't give financial crutches to your kids It is possible that the knowledge and expectation of regular financial assistance from parents takes away the imperative of working hard for oneself. Overall direction for the market is very positive: Navneet Munot, SBI Funds Management "Macro economic recovery is already underway, while the inflation is lower and incremental data and anecdotal evidence point towards revival."

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

Live-Market News Portfolio Mobile Live TV Newsletter Commodities Speed Blogs Alerts Follow Us on ET:

About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2014 Times Internet Limited. To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here

To unsubscribe or edit your subscriptions please click here

News Digest: A new tango at work: Govt and party join hands to deliver quickly

		THE TIMES OF INDIA
		Tuesday, September 02, 2014
		Today's Headlines

		India
		A new tango at work: Govt and party join hands to deliver quickly Amit Shah's appointment as party chief is an extension of the same project under which Narendra Modi was projected as PM candidate at grievous cost to Advani. Modi government's 100 days: Experts see revival signs, but still wary The stock market is scaling fresh highs with regularity and the rupee has shown signs of stability. The investor mood seems to be lifting and business fat cats are smiling. Forces happy their minister is also finance minister A floundering defence-industrial base (DIB), a military grappling with gaping holes in its operational capabilities, a worsening civilmilitary divide, and no concrete longterm strategic planning. After eight years of AK Antony's "holding operation", the country needed a heavy weight defence minister to undertake systemic reforms across the board. More India News»

		Business
		Modi effect? Nifty crosses 8,000, sensex nears 27,000 During the April-June quarter the Indian economy, which had clocked the decade’s low of 4.7% growth in fiscal 2014, jumped to 5.7% rate as non-agricultural GDP expanded at 6% on an annual basis. Deregulation of diesel rate to up competition: Oil minister Once diesel attains market rate, the government will have to take Cabinet approval for formally lifting pricing curbs. RBI seeks time-bound loan approvals The new norms are part of the central bank’s guidelines on fair practices code for lenders. More Business News»

		Environment
		East Central Railway to tap solar energy to light up crossings According to sources, the number of railway crossing gates in ECR is about 2,113 of which 1,127 are manned and 986 are unmanned. 70% afforestation achieved in Arunachal Pradesh The Arunachal Pradesh Environment and Forest Department has achieved 70 per cent afforestation in the state at a time when forest areas are decreasing alarmingly in the country. Eat less meat to control global warming: Study Unless current eating habits, especially the Western style high meat diet, are changed the world will move towards ever increasing greenhouse gas emissions, says a new study. More Environment News»

		World
		Both sides guilty of atrocities in Iraq: UN Both Islamist fighters and, to a lesser extent, Iraqi government forces have killed civilians and committed atrocities in three months of fighting, a senior UN official said in an emergency debate on the conflict on Monday. China poultry farm hit in new outbreak of H5N6 bird flu Nearly 18,000 geese died on a poultry farm in northeast China after being stricken by the H5N6 bird flu virus last month, the agriculture ministry said. US urges Israel to reverse Palestinian land-grab plan Israel has faced increasing pressure, including from the United States, after saying it plans to expropriate 400 hectares (988 acres) of Palestinian land in the Bethlehem area in the south of the occupied West Bank. More World News»

		Entertainment
		'I won't share bed with a male contestant' Nausheen Ali Sardar will not be participating in this edition of Bigg Boss. While there have been speculations that the actress declined the offer over payment issues, she denies it. Was Saif and Aamir's divorce a costly affair? They say marriages are made in heaven, divorces on the other hand definitely aren't part of that deal. Actors who should endorse condoms With sex being a taboo in India, we hardly see celebrities endorsing products such as condoms. More Entertainment News»

		Science
		'Green' beats 'lean': Plants in offices boost productivity 'Green' offices with plants make staff happier and more productive than 'lean' designs stripped of greenery, a new research has found. Tea cuts risk of deaths not related to cardiac woes Drinking tea reduces the risk of dying from causes unrelated to the heart, a new study has claimed. Scientists develop batteryless cardiac pacemaker Researchers have developed a new batteryless cardiac pacemaker which is based on an automatic wristwatch and is powered by heart motion. More Science News»

		Sports
		Ronaldo unimpressed by Real Madrid transfer dealings World Player of the Year Cristiano Ronaldo has said he wouldn't have sanctioned the sales of Angel di Maria and Xabi if he was in charge of Real Madrid. Pennetta beats Dellacqua to enter US Open quarters Italian 11th seed Flavia Pennetta reached the US Open quarterfinals for the fourth time when she defeated Australian Casey Dellacqua, 7-5, 6-2. Manchester United agree Falcao loan deal: Reports Man United have agreed a sensational deal to sign Colombia striker Radamel Falcao on a season-long loan from Monaco, according to widespread reports. More Sports News»

		Technology
		OnePlus wants to price the 64GB One under Rs 25,000 in India The company wants to replicate its global sales model in India and price the 64GB version of the phone under Rs 25,000. Nude photos of Jennifer Lawrence, Kate Upton, Kim Kardashian leak in massive iCloud hack Nude photos purportedly showing many top stars, including Oscar-winner Jennifer Lawrence and pop star Rihanna, bounced around social media, in an apparent massive hacking leak, US media reported. 6 best mid-range smartphones in India With the wide variety of smartphones available, here’s our list of six best smartphones available between Rs 10,000 and Rs 20,000. More Technology News»

		Education
		AISA demands reforms in DUSU elections The increasing prominence of the left-leaning All India Students’ Association (AISA) in Delhi University’s students’ politics may mean changes in the election process itself. Women scientists enter IIT council HRD ministry has nominated two women scientists Tessy Thomas and Vijayalakshmi Ravindranath to the IIT council, the apex body of 16 IITs. CBSE Urdu students don't have syllabus, exam dates This year, Urdu syllabus and examination schedule are missing from the diaries of CBSE students.Officials admit the syllabus couldn't be printed as translation hasn't even begun. More Education News»

		Mumbai
		Free vouchers to identify and treat TB in Mumbai The TB capital of the world has got a big shot in the arm, reports Malathy Iyer. A project funded by the Bill & Gates Foundation and implemented by global NGO PATH will provide free vouchers for medicines and diagnostic tests to poor people in Mumbai who have a persistent cough. Explain rules for Metro's fare panel: Bombay high court The Bombay high court on Monday asked the Centre to file an affidavit by September 18 to explain the procedure for appointment of a fare-fixing committee for Mumbai Metro, after the government disclosed that it was yet to form the panel. Clean-up task awaits new transport chief Experts say the new transport commissioner, Mahesh Zagade, who cracked a whip on corruption during his FDA tenure, will have a lot of cleaning-up to do at his new posting. More Mumbai News»

		Delhi
		Man charged with rape acquitted after 'woman turns hostile' A trial court has acquitted a man charged of raping a woman after she admitted that the case was filed due to misunderstandings between the couple. Crimes against northeast Indians in Delhi up 270% Though the government has repeatedly said that people from the north-east living in Delhi are safe and that there is no specific targeting of people from the region, government data paints a different picture.  Rajnath's wife at CISF wives' meet, lauds force The CISF Wives Welfare Association, ‘Sanrakshika’, organized its first Sanrakshika Day on Sunday. More Delhi News»

		Bangalore
		6,000 Cong workers vie for posts in statutory bodies More than 6,000 aspirants for 1,200 posts! This is the intensity of competition among Congress workers to share the spoils of power. Kids, chill with Usain Bolt in Bangalore today It’s no secret that sprint legend Usain Bolt’s fine form extends beyond the track to the nightclubs he frequents on his travels. The fun-loving Jamaican, who will visit Bangalore on Tuesday, could just spin a few tracks and attempt to rap at a trendy club in the evening. Woman's burnt body found in govt school The partially charred body of a woman was found in a government school in Yelachenahalli, JP Nagar, on Monday morning. More Bangalore News»

		Hyderabad
		Battered roads give goosebumps to citizens Huge craters, potholes and flood water triggered chaos on city roads on Monday morning. With the heavy rains for the past few days, most road stretches became unmotorable and people were found fretting and fuming over the poor quality of roads. Warangal Chenchus' tryst with city life About 80 families of the Chenchu tribe from Chennapur village in Regonda mandal and Jadalapeta (Bhavusinghpally) in Chityala mandal for the first time travelled to Warangal city to ‘see how a town looks like’. Their visit to the town was facilitated by Telangana assembly speaker S Madhusudhana Chary. Soon, manual of plant species for Haritha Haram The state forest department is compiling a manual of plant species for different categories of land where the government aims to plant 230 crore saplings in the next three years as part of the ambitious Haritha Haram programme to be launched in 2015. More Hyderabad News»

		Chennai
		Upset with father's remarriage, girl kills self A class 6 student set herself ablaze on the school premises at Pernampet in Vellore district on Monday morning. As wind abates, TNEB pins hope on new power plants Alarm bells ring for Tamil Nadu Electricity Board with the advent of September, when wind power generation halts and makes the state’s energy position tricky. Bus catches fire, passengers safe Thirty-three passengers travelling in a luxury bus had a miraculous escape when the vehicle caught fire after it hit a two-wheeler on the national highway near Ulundurpet in Villupuram district on Monday morning. More Chennai News»

		Ahmedabad
		Were rehabilitation housing units given to ineligible people? court asks The HC sought details in response to a petition filed by Kalidas Nadar, who alleged that many families that were not entitled the flats got the housing unit in 29 different schemes across the city. August showers help narrow rain shortfall in Gujarat Though August had only a few rainy days this year, the spells were enough to help Gujarat cross the last two years record as far as the month's figure is concerned. Terror alert triggers search in Patan village bordering Pakistan Jawans of the Border Security Force (BSF) and local police conducted a search operation in the border village of Santalpur in Patan district during the early hours of Monday. More Ahmedabad News»

		Allahabad
		1000-year-old palm leaves manuscripts on Buddha's life yet to be deciphered A treasure trove of 1000-year-old palm leaves manuscripts related to the life of Lord Gautam Buddha and around two lakh documents revealing 180 years of history of erstwhile princely Rampur State are still awaiting to get deciphered here at regional archive office (RAO) even after a gap of 60 years. Janta Express chugs on final journey into history The historical Janta Express, running between Howrah and Delhi, would now chug into history as the railway administration has decided to stop the movement of this train. High court recalls order to set up 13k courts On a recall application moved by the state government, the Allahabad High Court on Monday recalled its earlier order dated July 11, 2014 whereby a division bench of this court had directed for establishing 13,000 additional courts in district courts of Uttar Pradesh. More Allahabad News»

		Bhubaneswar
		AIIMS body formation delay hits institute functioning With the change in government at the Centre, the previous governing body headed by then health minister Ghulam Nabi Azad automatically lapsed. Eligibility changed for recruitment drive To attract more students, the government on Monday modified the eligibility criteria for the proposed mega four-day recruitment drive for technical and management students at Kalinga Stadium from September 17. Father of dead girl cries foul play Police on Monday registered cases against three employees of Kendua Sevashram, a government-run residential school for tribal girls in Nayagarh district, in connection with a girl's death the day before. More Bhubaneswar News»

		Bhopal
		Seepage at Sadar Manzil threat to historic frescos Civic bodies in cities like Ahmedabad have taken a lead in preserving historic fabric of the city. Devotion for Bappa: From collection to creation From abstract to accurate, the varied forms of lord Ganesh never fail to charm his devotees.They always long to worship their beloved Bappa in his diverse avataras ? be it miniscule or life size. 68 workers drink gukta factory water, taken ill Some 68 workers of a ?gukta' manufacturing unit in Bhopal were taken ill after drinking water meant for industrial use. More Bhopal News»

		Chandigarh
		3 AAP members resign in Faridkot Aam Aadmi Party's Faridkot district in-charge has resigned from his post alleging that AAP MP Sadhu Singh's relatives, including his son, were interfering in party affairs. Report puts Jyoti Nooran's age at 17, but doesn't rule out variation The controversy related to Punjabi folk singer Jyoti Nooran took a new turn on Monday when the bone density verification (ossification) test carried out to determine her age indicated that she was around 17. Taking the spice out of big, fat Punjabi wedding? The big, fat Punjabi wedding may lose sheen if a local NGO's efforts bear fruit. In an effort to rein in the expenses incurred on lavish Punjabi weddings, Punjab Caucus for Public Cause (PCPC) has floated the idea of one-dish menu for marriage parties. More Chandigarh News»

		To manage your newsletter subscription settings, click here	Other Newsletters from TOI : Movie Reviews | Life & Style | Top Headlines