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	Tax-saving options: Which is the best instrument under Section 80C? We have considered nine of the most common tax-saving instruments and ranked them according to their score on six parameters.

	Why a weak rupee shouldn't be worrisome in 2015 "We may see the worst currency crisis in March. The dollar may stabilise between Rs 63 and Rs 65, and there is nothing to worry about even if it goes to Rs 65."

	Consumption smoothing: How to save money while spending it It's important to achieve a steadily improving standard of living, which will not compromise the security needed after retirement.

	Motilal Oswal's annual study: Identifying stocks that will be wealth creators Wealth creation refers to the increase in market cap of a company between March 2009 and March 2014 after adjusting for equity dilution.

	How to remove your online presence You may have reasons to delete your profile or posts, either in parts or entirely, from websites and search engines.

	Quote of the week
		"I wish the RBI was running the American central bank. The people there at least understand the problem."

		Jim Rogers,Commodity Guru

	Family Finances Equity investing, early start to help Sheths meet goals With simple goals, long time frames to achieve them, adequate equity exposure and risk coverage, the Sheths should have no problem in securing their financial future.

	Financial Planning Why your fiscal health is as important as physical health Focus on building assets, insure before you invest and reduce costs as you go. Add a yearly check-up and your fiscal health is assured.

	Money-making venture Nitin Purswani's Zepo aims to provide logistic & marketing support to brick-and-mortar businesses "It's very difficult for smaller players to build an e-commerce platform, so we decided to do it for them," says the 26-year-old Purswani.

	Entrepreneurs Origo Commodities: Sunoor Kaul & Mayank Dhanuka's end-to-end agri logistics management enterprise We formed Origo Commodities in 2010 starting with warehousing solutions and have since covered the entire spectrum, providing end-to end services.

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

5 tips to make the most of free-look period in insurance

When you buy an insurance policy, fill in the contact details yourself in the application form. Often, agents give their phone numbers.

Don't be lured by limited premium plans

The shorter premium paying term doesn't mean such policies are cheaper than normal plans. The premium for limited payment policies is higher.

Why insurance regulation may fail

The insurance amendment bill has a measure that forbids insurance companies from rejecting a policy on any grounds even deliberate fraud.

Don't buy a Ulip only for its low cost, performance matters more: Deepak Mittal, Edelweiss Tokio Life Insurance

At some point, the competition will move to performance. Instead of focusing on payment, the buyer will have to see how well his funds are doing.

How did MFs fare in 2014? Mid-cap & small-cap category outshone large-cap funds

While the mid- and small-cap category clearly outshone the large-cap funds, the debt funds too had a spectacular run in 2014.

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THE TIMES OF INDIA

Monday, January 05, 2015

Today's Headlines

India

Trinamool may move SC against CBI 'misuse'
West Bengal's ruling Trinamool Congress on Sunday indicated it might move the Supreme Court against the "misuse" of the CBI by the central government in the Saradha scam probe to "settle political scores" with the party.

Why did ISC wait 100 years to discuss ancient science: Vijay Bhatkar
Emphasizing the importance of ancient Indian science, noted computer scientist Vijay Bhatkar on Sunday asked why it took 100 years for the Indian Science Congress to discuss the issue.

3 churches come together to demand ban on 'ghar wapsi'
Accusing Prime Minister Narendra Modi of extending “tacit support” to the 'ghar wapsi' programme of saffron outfits, churches here have threatened to take to the streets if the government doesn’t impose a ban on the practice.

More India News»

Business

Mega office space deals on cards
American blue chips Wells Fargo and Amazon are poised to scoop up one million sqft each of new office space as global corporations renew their roles in the India growth story.

FII December equity inflows hit 10-month low
Overseas investors pumped a little over Rs 2,100 crore into the Indian equity markets in December, making it the lowest investment in 10 months, primarily on account of profit booking.

Companies tweak models to train young leaders
With a drop in the average age of leaders, organizations are facing a peculiar situation with regard to imparting learning and development (L&D).

More Business News»

Environment

Govt moots ideas to sync green norms with growth
A number of steps have been taken in the past six months to speed up green clearances but the government is also examining 55 additional suggestions to achieve its twin goals of economic growth and environment protection.

First Chhattisgarh wild buffalo clone born in Haryana
India's first cloning of Chhattisgarh's endangered wild buffalo met success with birth of healthy female calf born on December 12 last at National Dairy Research Institute (NDRI) at Karnal in Haryana.

Gujarat forest dept ropes in BSF, FSL experts to curb poaching
The Gujarat government has reconstituted its Wildlife Crime Cell by roping in experts from BSF and Forensic Science Laboratory (FSL) for effective implementation of anti-poaching operations in the state.

More Environment News»

World

Divers resume search for victims and fuselage of AirAsia jet
The weather improved Monday and divers will attempt again to locate large objects on the ocean floor believed to be the fuselage of the AirAsia flight that crashed more than one week ago, killing all 162 on board.

Cops turn backs on NYC mayor at officer's funeral
Politicians, police leaders and other mourners joined family members inside a Brooklyn funeral home to honor Wenjian Liu, who was killed in an ambush that led to accusations the mayor had contributed to an anti-police climate.

Palestine seeks to re-submit statehood bid to UN
Jordan remains a member of the Security Council while several other countries with revolving membership were replaced over the New Year.

More World News»

Entertainment

Why is Sonam saying Babaji Ka Thullu?
Comedy show host-turned-actor Kapil Sharma made the punchline ‘Babaji Ka Thullu’ famous

Farah Khan to host birthday bash on Jan 8
Farah Khan, who shares her birthday with her cousin Farhan Akhtar (January 9), will host a bash on January 8

Exclusive: Farhan turns singer in pink suit
Dabboo Ratnani’s calendar for this year features 24 Bollywood actors. We picked four shots and spoke to the photographer for behind-the-scenes action

More Entertainment News»

Science

Nasa explores inflatable spacecraft technology
Devising a way to one day land astronauts on Mars is a complex problem and Nasa scientists think something as simple as a child's toy design may help solve the problem.

A software to predict how bacteria react to new drugs
Researchers have developed a novel computer software which identifies genetic changes that allow bacteria to develop resistance to new experimental drugs.

Tests over, India set to make the 'iris' of biggest telescope ever
Sometime in 2023, a 30-metre man-made "eye" will open atop the Hawaiian volcanic dome of Mauna Kea in search of life beyond the solar system. And India would have contributed its "iris".

More Science News»

Sports

Ministry received Saina's application on Saturday: Sonowal
Sports minister Sarbananda Sonowal said that his ministry received the letter of nomination of badminton star Saina Nehwal for the Padma Bhushan only on Saturday.

Birthday boy Milner spares Man City's FA Cup blushes
James Milner celebrated his 29th birthday by scoring twice as Manchester City fought back to beat Championship side Sheffield 2-1 in the FA Cup.

Schumacher starting to recognize his family: Report
Michael Schumacher still faces a long road to recovery as reports emerged on his 46th birthday that he is beginning to recognize his family.

More Sports News»

Technology

Idea for Zuckerberg: Shut Facebook for a day
If the customer is always right, then Facebook boss Mark Zuckerberg needs to consider shutting down the social media giant for one day a year.

4 cool gadgets you must check out
Invest in these gadgets to champion the race of geeks

10 hottest internet trends for 2015
With the year gone past, it's time to look ahead.

More Technology News»

Education

IIT-Madras to power ideas of entrepreneurial success
Centre for Innovation (CFI), a student-run innovation lab at IIT-Madras, is running an initiative called Nirmaan, a mock incubator to support students with entrepreneurial interests by providing them a riskfree environment to develop their ideas and shielding them from financial pressures through seed funding.

This Shaastra, the mantra is startups
At Shaastra 2015, the annual student-run technical festival at IIT-Madras, the focus is on building entrepreneurial culture. The theme this year is `Designing dreams' and according to the institute, the events are all oriented to make the participants dream big.

Gemological Institute of America to conduct seven-week graduate diamonds diploma programme
Gemological Institute of America (GIA), an independent organisation dedicated to research and education in the field of gemology and jewellery design, will be conducting a seven-week graduate diamonds diploma (GD) programme from January 8.

More Education News»

Mumbai

'Litigant cannot blame lawyer for losing case'
There is a rising tendency on the part of litigants who lose their cases to blame their own advocates, hoping to earn sympathy of the appellate court.

CR may consider starting Diva-CST trains
To look into problems that suburban train commuters face, a delegation of senior railway officials and Union railway minister Suresh Prabhu will visit the Thane-Diva stretch this week.

Submitting forged documents to procure US visa tarnishes image of Indians: HC
Submitting forged documents in an attempt to obtain a US visa tarnished the image of Indians, said the Bombay high court, dismissing a Gujarat resident’s anticipatory bail application.

More Mumbai News»

Delhi

Delhi polls likely to be held in mid-February
Elections to the Delhi assembly are likely to be held around mid-February, setting the stage for a three-way contest between BJP, Aam Admi Party and Congress that could end the political suspense over who will form the government in the capital.

Fake RBI men con Parliament staffer of Rs 42k
A senior Rajya Sabha employee was duped of Rs 42,000 by fraudsters posing as bankers from the Reserve Bank of India.

UN accolade for Delhi Metro
The Delhi Metro Rail Corporation has been registered as the world’s first transport sector project under the Programme of Activities (PoA) of the United Nations Framework Convention on Climate Change, enabling it to quantify climate change benefit from all metro operations in India, a statement said.

More Delhi News»

Bangalore

Spoilt for choice on art street
The canvas couldn't have got any bigger. Kumara Krupa Road, a 1 km-long thoroughfare in the heart of the city, helped artists and art lovers find the right connect on Sunday as it hosted the 12th edition of Chitra Santhe.

Nikhil and his Haj sweep film awards
Avant garde movies and new faces made their mark in the Karnataka state film awards for 2013 announced here on Sunday.

Angel's heart sings for transplant
When she first got a call from a Chennai hospital saying a matching heart had been found, Reena Raju refused to live with someone else's heart. But time and guidance from loved ones mellowed her down.

More Bangalore News»

Hyderabad

AP relieves AIS officers allotted to Telangana
Even as the two states are continuing to retain their favorite All India Service (AIS) officers, Andhra Pradesh on Sunday relieved some of its cadre officers provisionally allotted to Telangana cadre.

Telangana govt to overhaul PSC test syllabus
State service aspirants in Telangana will now have to adhere to a different syllabus to crack Group I, II, III, IV and other examinations conducted by the Telangana State Public Service Commission (TSPSC).

Amit Shah to visit AP, Telangana from Jan 7 to 9
After his campaign in Karnataka, Kerala and Tamil Nadu, BJP national president Amit Shah has turned the spotlight on Andhra Pradesh and Telangana and is planning to visit the two states between January 7 and 9.

More Hyderabad News»

Chennai

Fines for ignoring mosquito breeding sources remain paltry
Malaria and dengue continue to claim thousands of lives as the state has not been able to structure long-term strategies to prevent, control and eliminate vector-borne diseases.

Tamil Nadu reports fifth highest number of dengue cases
Despite the state bringing down the number of dengue cases to almost a third in just a year, Tamil Nadu remains among the top five in the country when it comes to prevalence.

Queen Mary's College, the home of musicians, on song
Queen Mary's College, celebrating its centenary this year, is on a song this Margazhi. More than 14 former students and faculty heads of the college's music department have become household names in Carnatic music circles, either as performing artists or experts giving lecture-demonstrations.

More Chennai News»

Ahmedabad

Gujarati film actor Upendra Trivedi dies
Gujarati film industry lost one of his brightest luminaries in the form of Upendra Trivedi early on Sunday morning.

Staff accused of siphoning off Rs 5cr
A representative of Arvind Limited on Naroda Road has lodged a complaint with Shaherkotda police against an employee for siphoning off Rs 5 crore over a period of 10 years.

When teachers turn tormentors
In October this year, three girls studying in class VI at a government school in Surendranagar recounted to their parents the horror of being forced to watch a pornographic video clip by a teacher at the school campus on a Sunday.

More Ahmedabad News»

Allahabad

Rlys tighten security, plies special trains for Magh Mela
North Central Railway has geared for the first bathing day, Paush Poornima in Magh Mela on Monday. Special trains are being plied and extra coaches have been attached in the trains. The security at the Allahabad railway junction and the adjoining small stations has also been increased. Government Railway Police (GRP) and Railway Protection Force (RPF) forces have been deployed at the sensitive points at the Allahabad junction and small stations to keep vigil on the suspicious elements.

Saints declare water unsuitable for bath, threaten boycott
Saints belonging to Dandi Bada have decided to boycott auspicious Paush Purnima bath on Monday in protest against mela authorities failure to make the river suitable for bathing and providing basic amenities to seers camping in the mela area.

Magh Mela begins today with Paush Purnima 'snan'
The 44-day Magh Mela is set to begin today with approximately 25 lakh pilgrims, including scores of kalpwasis, expected to take a holy dip at Sangam, the confluence of Yamuna, Ganga and mythological Saraswati, on the occasion of Paush Purnima.

More Allahabad News»

Bhubaneswar

Odisha eye consecutive victory
Pacers hope for good show against Vidarbha in their Ranji Trophy tie as rain threat looms

Lessons from quake forgotten with time
Various government departments held discussions regarding the safety of buildings when a mild earthquake shook the state capital and cracks appeared in several buildings in May last year. About eight months later, hardly any steps have been taken.

Show building approval plan to get water supply connection
Residents in urban areas will now have difficulty getting water supply connections from the civic body if they don’t have approved building plans.

More Bhubaneswar News»

Bhopal

Man 'gets' wife raped by eight people in Madhya Pradesh
A 30-year-old woman was allegedly raped by eight people, repeatedly, at the instigation of her husband in Ashok Nagar district of Madhya Pradesh.

Fog forces cancellation of Jet flights, delay AI
Poor visibility owing to thick fog in state capital forced Jet Airways to cancel their three flights on Sunday. Though flights of Air India were not cancelled, they reached Raja Bhoj airport almost 4 to 5 hours late.

Habibganj parking arrangements go for a toss
It has been four months since Bhopal Shatabdi came to Habibganj railway station. However, all the traffic and parking changes implemented have failed miserably with chaos reigning supreme at the station.

More Bhopal News»

Chandigarh

Kiran Choudhary accuse Khattar government of cross-purposes
Kiran Choudhry, leader of the Haryana Congress Legislature Party (CLP), has accused the Manohar Lal Khattar government of working at cross-purposes and fooling the people of Haryana by saying one thing and doing another.

For high risk pregnancy, remote fetal monitoring comes handy
For high risk pregnancys, remote fetal monitoring technique can come in handy as pregnant woman can now not only monitor herself and the baby in the womb, but also send analogues to the doctor’s phone through a mobile application.

Akalis are arranging crowd on allurement of drugs: Congress
On the eve of SAD(B)’s proposed anti drug awareness rally, Congress party blamed on Akalis for arranging crowd for the rally on allurement of drugs and demanded checking of participants by BSF. Congress also smelt of underhand deal between SAD-BJP on deputy chief minister’s post.

More Chandigarh News»

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Monday, January 5, 2015

Tax-saving options: Which is the best instrument under Section 80C?

Family Finances

Financial Planning

Money-making venture

Entrepreneurs

Financial Calculators

Ancient Shiva Linga in Ireland

Sunday, January 4, 2015

News Digest: Trinamool may move SC against CBI 'misuse'