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Top 8 scrips you should bet on You can gain from the expertise of a fund manager by investing in the funds he manages. Or, you can mimic his actions by investing in the shares he picks for his funds. Five common ways you can lose money If you are suffering monetary losses due to laziness and ignorance, have an ECS arrangement in place or set up phone reminders to ensure that you don't. How to ask for a salary raise, and get it too How does one ask for a raise that is justly deserved? Here's how to give your 'karma' a hard nudge and ensure a salary hike. Best Android smartphones under Rs 7000 These devices offer value for money and come with the latest specifications. We take you through the various offerings in the market. Tax-free bonds are still the best bet for investors Tax-free bonds have given terrific returns in the past 10 months. Even though prices have run up significantly, these bonds offer better yields than bank FDs to investors in the highest tax bracket. Quote of the week "The Sensex has gone up about five times in the last 10 years, thanks to India's entrepreneurs." Nilesh Shah,MD & CEO, Envision Capital Family Finances Realigning investments is key to meeting goals for the Saxenas If savings are not invested in the right avenues, and the investments are not linked to goals, you are not making your money work for you. Financial Planning There is a need to address investing concerns of senior citizens It's time planners customised their services to meet the specific financial requirements of senior citizens, who are financially aware and looking for quality advice. Money-making venture Why Durga Menon led whole-wheat bakery Lluvia is a social enterprise It was hard at first, but over time, people began to realise the value of fresh and healthy alternatives that we were offering," says Menon. Entrepreneurs How Ashok Atluri led Zen Technologies turned into a Rs 49 crore venture Through its indigenously developed simulators, Zen Technologies has grown to a Rs 49 crore venture in 20 years and created a niche for itself. 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 What to look-out for in a property for rent If you are buying a house to earn rental income, ensure that you make realistic assumptions. Why women getting less salary in the industry is an unfair practice The harsh reality is that the compensation structure is loaded against women, and this can leave a terrible impact on their long-term savings. Why it is not wise to mimic a fund manager while building up your portfolio The best performing funds tend to change year after year and you might end up copying different fund managers every year. Why you should put limited amounts in stocks chosen on the basis of their presence in fund portfolios Active portfolio management is a continuous process wherein one needs to monitor the portfolio regularly as information is flowing in fast and being priced in quickly. Can you retire rich? The size of your nest egg at the time of retirement depends on three factors: how soon you start, how much you save, and how you invest. 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