Five steps towards freedom from financial worries

THE ECONOMIC TIMES Tue, Aug 11, 2015 | 09:36 AM IST ET Wealth Newsletter How to go for the right annuity plan There are many types of annuity plans. Essentially they can be classified based on the timing of the benefit, variability of the benefit and coverage of the benefit. Why you should consider a cancer insurance policy In India alone, about 10 lakh people are diagnosed with cancer every year and another six to seven lakh die of it. Five steps towards freedom from financial worries Everybody craves freedom from financial worries, but few are able to achieve this. Here are 5 things that will help you become financially free. How to restructure income, investments & expenses to optimise tax outgo Tax out-go can be cut if one's employer agrees to rejig pay package components and by availing of all deductions one is eligible for. The best six mid-cap value stocks to buy Despite the recent rally in mid-cap counters, you can still pick value stocks in this segment. Here's a list of the best ones to buy. Why overindulgence in risky bets for short-term gains may be bad for you Financial porn is money advice that excites the investor and encourages him to indulge in risky behaviour for short-term gains. Quote of the week "When you look outside India, for example, Brazil, Russia, China or Indonesia, all of a sudden, India looks like a million roses." Taimur Baig,Deutsche Bank Family Finances How aggressive investing will stand the Barmans in good stead Exposure to equity and heavy investments early in life mean that the Barmans just need to streamline their portfolio and secure their risks. Financial Planning Key lessons for financial advisers from a humble car driver Financial advisers need to play the role of a mentor or coach. They have to show investors they are capable of earning more. Money-making venture How Pankaj Acharya's Mad(e) In India draws inspiration from Indian lifestyles Mad(e) In India sells products via three brick-and-mortar stores, its website, multi-brand outlets and also through online marketplaces. Entrepreneurs How the Rs 160 crore StarAgri is helping farmers manage their produce Our aim is to connect with 25 lakh farmers. We want to become every farmers' dream partner in their success 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 How to consolidate one's provident fund Universal Account Number has been introduced to address most of the pain points related to change of jobs and tracking of PF balances. Why KEC is a good bet for investors despite rise in stock price KEC is already the lowest bidder in projects worth Rs 3,500 crore and is expected to get these orders in the next 2-3 quarters. Basics of investing in ultra short-term schemes of mutual funds Since such schemes of mutual funds are meant to provide high liquidity to investors, these funds do not carry entry or exit load. Five smart things to know about pre-paid forex cards Pre-paid forex cards can be reloaded remotely at the bank, by a third party, who should fill up required documents as per RBI rules. Ten questions to find out how financially stable you are Financial freedom means you are able to do what you enjoy without worrying about finances. Take this short quiz to know where you stand. More Newsletters ET Mutual Fund A weekly round-up of the top news and views from the mutual fund industry. Markets Watch Round up of stock, currency, bond, money and real estate market ET Investment Opportunities Property, Stocks, IPOs, NFOs, Mutual Funds and latest investment options in your inbox. Daily Newsletter Special stories that round up the major developments of the day. Follow Us on ET: About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2015 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: CBI cheers HC order, readies to quiz Maran

		THE TIMES OF INDIA
		Tuesday, August 11, 2015
		Today's Headlines

		India
		CBI cheers HC order, readies to quiz Maran The Madras HC decision to cancel the interim anticipatory bail granted to former telecom minister Dayanidhi Maran and its order to the DMK leader to surrender before the CBI within three days, has cheered the premier investigative agency. Donor rate target: 1 per million by 2020 Champions of organ donation from across the country gathered at Kokilaben Ambani Hospital in Mumbai last Friday to deliberate on how the fragmented national programme can be unified and strengthened to save more lives. Greatest gift, say spiritual gurus as doctors allay fears Spiritual leaders, doctors and representatives of NGOs came together at a seminar held in Kokilaben Ambani Hospital, Andheri, on August 8 to bust myths and promote organ donation. More India News»

		Business
		Subrata Roy moves SC afresh for release from jail After exhausting several options in the last one-and-a-half years to get out of jail, Sahara chief Subrata Roy made a last-gasp attempt to secure his freedom by appealing to the Supreme Court’s duty to “do complete justice” under Article 142 of the Constitution. Rahul Yadav in funding talks with Paytm owner Rahul Yadav, former CEO of Housing.com, who is also known as the bad boy of Indian startups, might be chilling in Ladakh but the 26-year-old is also busy with investment talks for his new venture - so far kept under wraps. Car sales up 17% on smart pricing, highest in 3 mths Car sales grew 17% in July, the highest since April, boosted by a lower base and aggressive pricing by manufacturers. More Business News»

		Environment
		Rajasthan may change stripes over Gujarat lions BJP-ruled Rajasthan government is likely to come to Gujarat’s rescue over the issue of lion translocation from Gir to Kuno Palpur in Madhya Pradesh. Big B to be Maharashtra's new tiger conservation ambassador Superstar Amitabh Bachchan will be Maharashtra’s new ambassador for the tiger conservation. Govt launches 'School Nursery Scheme' to increase green cover Seeking to bring students closer to nature and inculcate in them a sense of urgency to protect environment, the Union environment and forests ministry on Monday launched the 'School Nursery Yojana' which would involve children in raising saplings in nurseries created inside their school campuses. More Environment News»

		World
		MH370: Malaysia will send team to inspect Maldives debris Malaysia will send a team to the Maldives to determine whether debris reportedly found there is further wreckage from Flight MH370, the transport minister said on Monday. Afghan president slams Pak over Kabul attacks Afghan president Ashraf Ghani lambasted neighbouring Pakistan today over a recent wave of insurgent attacks in the capital Kabul that killed at least 56 people. Greek coast guard rescues 1,417 migrants over 3 days Greece's coast guard rescued more than 1,400 migrants in nearly 60 search and rescue operations near several Greek islands in the eastern Aegean Sea over the past three days as the pace of new arrivals increase, authorities said on Monday. More World News»

		Entertainment
		Ajmal Kasab was just a pawn: Kabir Khan Except for Ajmal Kasab, a foot soldier brainwashed into doing what he did, the masterminds are still roaming freely and have not been brought to book. Arshad-Naseeruddin jodi back again The beloved uncle-nephew pair of Ishqiya and Dedh Ishqiya — Naseeruddin Shah and Arshad Warsi — will be back together for the third time in a forthcoming film that is slated to start in September. Junior B, Rishi Kapoor's bullying tales Rishi Kapoor and Abhishek Bachchan are playing father and son in Umesh Shukla’s upcoming film All Is Well. More Entertainment News»

		Science
		Coca-Cola funding study to shift blame for obesity from bad diet? Coca-Cola, the world's largest producer of sugary beverages, is backing a new "science-based" solution to the obesity crisis: To maintain a healthy weight, get more exercise and worry less about cutting calories. ISS astronauts to dine on lettuce from 'space farm' Astronauts onboard the International Space Station (ISS) will for the first time eat food that was grown on the orbiting laboratory after harvesting a crop of 'Outredgeous' red romaine lettuce. Scientists discover secret to live beyond 100 Scientists have cracked the secret of why some people live a healthy and physically independent life over the age of 100: long telemores and low inflammation. More Science News»

		Sports
		England's 2005 side better than 2015 version: Pietersen England's 2005 Ashes-winning side were better than the team that sealed a series victory over Australia with a game to spare in Nottingham on Saturday, according to Kevin Pietersen. Planned India-Pakistan series in 'real danger': Shaharyar "There is a real danger at this time to the series. But I plan to go to India to get a clear answer on the prospects of the matches being held in December," Shaharyar Khan said. European Tour: Spain thrash India 4-1 in series opener Indian team failed to keep their winning momentum in European Tour as they suffered a crushing 1-4 defeat at the hands of Spain in their opening match of 3-game series. More Sports News»

		Technology
		13 tech jobs that pay at least $130,000 There's little doubt that most technology jobs -- whether that of building software or managing a network or securing IT hardware and software -- are in demand and pay well. OnePlus 2 review: A worthy successor We spent some weeks with the new OnePlus 2 to find out if its a worthy successor to the OnePlus One. 7 best smartphones, tablets for work under Rs 20,000 We take a look at some of the best smartphones and tablets you can buy under Rs 20,000 for work... More Technology News»

		Education
		One national common test to dislodge all others Doors to engineering and management institutes in Telangana and Andhra Pradesh will be opened to students across the country if the recommendations made by a government-appointed panel are approved by the ministry of human and research development (MHRD). President worried over India's global rank in higher education President Pranab Mukherjee expressed concern over India's global ranking in higher education while addressing students of Central University of South Bihar (CUSB) on 'Energizing the higher educational institutes in India' through videoconferencing from the Rashtrapati Bhavan on Monday. VC to submit detailed note on irregularities in CU selection process Calicut University vice-chancellor M Abdul Salam will submit a detailed note on the alleged irregularities in the interview process for appointment of peons and assistants in the varsity, when he will handover charge on Tuesday. More Education News»

		Mumbai
		'No cover yet for whistleblowers' The state government on Monday told Bombay high court that it is has not yet taken a decision to include whistleblowers and social activists in the proposed law for protecting witnesses in criminal cases. BJP trying to foment trouble following Yakub death: Raj Thackeray Raj Thackeray has accused the BJP of trying to foment trouble in Mumbai, following Yakub Memon’s death by hanging last month, to consolidate its vote bank. State govt to probe all deals with US major in 'bribery' row The state government will probe all deals that its agencies have made with US-based construction management consultants Louis Berger, according to sources in the chief minister’s office. More Mumbai News»

		Delhi
		66 cases last week fuel dengue outbreak fears in Delhi With nearly 120 dengue cases reported this season, fears of a possible outbreak of the mosquito-borne disease have gripped municipal corporations and health officials. Nobody can take property possession by force: Court Nobody can be allowed to take the law in their hands, a trial court said while convicting three people in a trespassing-cum-assault case. AIIMS told to explain liver patient's death The Delhi Medical Council (DMC) has given AIIMS five days’ time to explain the death of a patient who was being operated at the hospital by a Japanese surgeon as part of a live surgery workshop. More Delhi News»

		Bangalore
		`Denigrating' Lord Vishnu: Dhoni gets HC reprieve The high court on Monday passed an interim order dispensing with the presence of cricketer Mahendra Singh Dhoni from ap pearing (on Monday) before the IX addi tional chief metropolitan magistrate's (ACMM court, Bengaluru, in a criminal case against him. 260 prisoners await guv's nod for release on I-Day As many as 260 prisoners across the state are keeping their fingers crossed as Independence Day approaches. Techies quit jobs, jump into poll fray Disappointed with the poor governance of the city, two techies have quit their cushy jobs to contest the BBMP polls. More Bangalore News»

		Hyderabad
		Osmania University police nab chain-snatcher The Osmania University police have nabbed a notorious chain-snatcher and recovered Rs 7.2 lakh worth stolen booty from his possession. Graduate-turned-laptop thief held in Hyderabad The Narayanguda police have arrested a graduate-turned-laptop thief and recovered 12 stolen computers worth Rs four lakh from his possession. 'Don't be carried away by online rumours' Reacting to rumours spreading on social media and web based internet applications, Muslims from various walks of life said that it was important to check their authenticity before sharing them with others. More Hyderabad News»

		Chennai
		Opposition parties refuse to relent, up ante on liquor ban On a day when DMK organised agitations across the state demanding total prohibition, other opposition parties also upped their ante announcing a series of protests to draw political mileage out of it by keeping the issue alive in an election year. DMDK's Captain keeps allies guessing Losing nine of his 29 MLAs to the ruling AIADMK in the last four years might have been a major setback for DMDK leader Vijayakanth. Man, parents arrested for dowry death in Chennai A man and his parents have been arrested by the Ambattur police for dowry harassment leading to the death of his wife. More Chennai News»

		Ahmedabad
		'Saraswatichandra' in English after 128 years After 128 years, Saraswatichandra, a classic Gujarati novel, by Govardhanram Tripathi, running into 2,200 pages, is being translated into English, by the director of Sabarmati Ashram, Tridip Suhrud. 'Explain plot allotment to judges' A bench headed by acting chief justice of Gujarat high court, V M Sahai, who retires on August 12, issued notices on Monday to the state government as well as 27 judges over allotment of residential plots at concessional rate. 37 new dengue cases this week The rising number of dengue cases are becoming a concern for the civic health department. More Ahmedabad News»

		Allahabad
		Chitrakoot teachers threaten to boycott teaching, MDM work as dacoit fear looms large Virtually petrified by the Bandit menace, primary teachers of Chitrakoot are allegedly up in arms against men-in-khaki for their inability to protect them from bandits. Devotees walk miles for jalabhishek t’s a matter of faith and distance counts for nothing. Dressed in saffron attire and carrying kawars, groups of kanwariyas are travelling from one district to another or from one state to another barefoot to fetch holy water from Triveni Sangam at Allahabad and pour it on Pahila Mahadeo (Allahabad), Kashi Vishwanath (Varanasi) and Baijnathdham Jyotirling (Jharkhand) Devghar. Civil Lines makeover to be as Lucknow's Hazratganj market As a part of Smart City project, the posh Civil Lines market would soon be developed on the lines of Lucknow’s Hazratganj market. Elaborating the plan, divisional commissioner Rajan Shukla on Sunday said that as a part of the Smart City project, pavements would be renovated and crossings beautified. More Allahabad News»

		Bhubaneswar
		Odisha law department approved to set up 41 new courts As recommended by the Orissa high court, the state government on Monday approved a proposal to set up 41 new courts in the state to ensure speedy disposal of different pending cases. BJP stages protest across police stations seeking IPS officer's arrest The BJP on Monday staged protest in front of police stations across the state seeking arrest of IPS officer Satish Gajbhiye. Woman killed for 'dowry' in Ganjam A 22-year-old woman was allegedly burnt alive for dowry at Balarampalli village, 15 km from here, on Sunday morning.Police identified her as Pramila Sahu. More Bhubaneswar News»

		Bhopal
		MP Congress see major changes in organisation The Madhya Pradesh Congress is poised for major changes in the organisational set up in the coming week, after the fourth phase of civic elections. FBI strikes off state techie's name from fugitive list Federal Bureau of Investigation (FBI) of United States dismissed a warrant with charges of "unlawful flight to avoid prosecution (UFAP)" against Madhya Pradesh techie Shivraj Singh Dabi after he proposed to surrender through a diplomatic channel. Clinching footage blackout by Vyapam, board gives tenders for fresh CCTVs Vyapam took out a tender in local newspapers on July 25 for installation of new CCTV cameras in its premises. More Bhopal News»

		Chandigarh
		DPS wins quiz contest at St John's in Chandigarh St John's High School, Sector 26, conducted the fourth edition of 'COALESCE', an inter-school quiz competition. Oye, it's Wednesday! What's ViralThe wait for Saturday isn't weeklong any more. Race for protests at PU Times News Network It was raining protests as Panjab University (PU) opened after an extended weekend, with many student organizations coming out to march and raise slogans over various issues on Monday. More Chandigarh News»

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