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Tuesday, April 5, 2016

When should you change your financial services provider?

THE ECONOMIC TIMES
Tue, Apr 05, 2016 | 09:29 AM IST

ET Wealth Newsletter

WHAT'S HOT #TaxPlanning,#HealthInsurance,#TermInsurance,#TaxImpactCalculator
When should you change your financial services provider?
Find out the conditions under which you should shift to a better service provider, be it your stockbroker, financial adviser or health insurer.
Should you make online financial purchases? Find out
Be very careful when making online financial purchases, because returns and refunds are not options.
6 tasks to do at the start of FY2016-17
The craziness of March may be over, but investors and taxpayers still have a few more financial tasks to complete.
From our Partners
Everything you ever wanted to know about Car Insurance
We spend so much time researching the latest model, the jazziest colours, the snazziest of safety features and we love it! But most of us know way too little about car insurance and all that it entails.
From our Partners
The single most important, thoughtful thing you can do for your family
A plain-vanilla term insurance plan guarantees a significant payout in the event of the policy holder's death during the policy's tenure.
How to find out your insurance agent's commission
The benefit illustration reveals the commission paid on Ulips, while other policies require more work.
Should you pick G-secs or Gilt funds to invest in government debt?
With falling interest rates, long-term gilts may generate good returns. Here's how you should invest in them.
Financial planning for a special child should be long term
Millions of children in India live with disabilities. Parents of children with special needs have to plan their finances carefully to secure their child's future.
Indian banks low on customer satisfaction: ICSI study
Foreign lenders have taken the top three slots on the customer satisfaction rating chart.
From our Partners
How to ensure that your parents are insured right
Rising healthcare inflation has made higher insurance covers, particularly for senior citizens, a necessity.
From our Partners
Step by Step guide to choosing the perfect term plan
When we are young, we don't think about death as something we need to plan for or even deal with.

Financial Calculators

Tax Impact Calculator
Tax Impact Calculator
This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable.
Home Loan Refinance
Home Loan Refinance
Should you refinance your home loan?
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.
How Aadhaar can simplify your financial life
The UIDAI number, or Aadhaar, now has statutory backing. ET tells you where all the Aadhaar comes in handy in the financial world.

RBI repo rate cut impacts 10-year G-sec, debt fund yield marginally
While interest rate cuts by the RBI hold the promise of lower EMIs and better debt fund returns, data shows that the benchmark bond yield does not always fall in tandem.

Make your savings work to create wealth
It's time we moved beyond just saving money and being happy about it. Wealth can be created only when we invest the savings and make the money grow.

5 smart things to know about claim settlement ratio of an insurer
The higher the claim settlement ratio of a particular company, the greater are the chances of a claim being settled by it.

How to extend your travel policy online
Here's how to extend your travel policy online when the duration of the stay is extended.

How to plan financially for a special child
Three key aspects includes budgeting for expenses related to child's care and upbringing, reviewing the existing financial plan and estate planning to ensure child's independence.

How a cut in home loan rates will impact borrowers
The cut in small savings rate is likely to bring down bank deposit rates and ultimately lead to a drop in lending rates as well.

Banerjees need to invest aggressively in equity to ensure financial security
"My company provides me a health cover and an accident disability plan. Do I need to buy more insurance?" — Saikat Banerjee

Lower valuations, strong order book make Skipper analysts' favourite
Analysts believe that Skipper's order book will grow at a faster pace of around 30% yoy and make it a possible candidate for re-rating.

Is your career on track this year?
Here are a few questions you need to answer to figure out if your career is on the road to success.

Startup restaurant chain Sattviko creates a niche with fusion vegetarian cuisine
This restaurant chain is mixing it up with fusion vegetarian cuisine to tickle your taste buds.

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Monday, April 4, 2016

News Digest: What's illegal in owning a firm abroad?

THE TIMES OF INDIA
Tuesday, April 05, 2016
Today's Headlines

What's illegal in owning a firm abroad?

Panama channel: PM orders multi-agency probe into offshore holdings of Indians

47 cops get life terms for Pilibhit killings

More India News»

In a first, Panasonic appoints Indian to global executive council
Japanese electronics giant Panasonic has appointed senior executive Manish Sharma to its global executive council, inducting an Indian onto the coveted decision-making body of the $80-billion company for the first time ever.

Market expects 25bps rate cut from RBI
India Inc Hopes For 50Bps Growth Booster

Manufacturing activity touches 8-month high
Manufacturing activity accelerated to an eight-month high in March on the back of an increase in new export orders and improved domestic demand, pointing to an upturn in the crucial sector, a survey showed on Monday.

More Business News»

Parrot species in US cities may rival that in its native
US researchers are launching studies on Mexico's red-crowned parrot — a species that has been adapting so well to living in cities in California and Texas after escaping from the pet trade that the population may now rival that in its native country.

World's 1st White Tiger Safari in MP opens
Madhya Pradesh chief minister Shivraj Singh Chouhan on Sunday inaugurated the world's maiden 'White Tiger Safari' at Mukundpur in Satna district in the state's Vindhya region where the feline was first discovered more than 100 years ago.

India to sign Paris climate change accord on April 22
The agreement sets out a global action plan to put the world on track by limiting global warming to below 2 degrees Celsius. Under the accord, at least 55 countries, accounting for an estimated 55 per cent of the total global greenhouse gas emissions, will have to ratify or approve the agreement before it enters into force.

More Environment News»

Taliban attack Afghan police convoy, killing 6 officers
Abdul Manon Raoufi, operational commander for police in the region, said insurgents attacked the convoy Sunday night in the Dawlat Abad district. The police were on their way to neighboring Jawzjan province after conducting an anti-insurgent operation in Balkh when the ambush happened, he said.

Cambodia adopts controversial draft union law
PM Hun Sen says the law is aimed at regulating the country's 3,400 trade unions. But unionists say it will dilute the power of labour groups in a sector still rife with abuse. Critics have expressed particular alarm at provisions forcing unions to report their finances to the government each year.

6 migrants arrive in Turkey under EU deal
The EU-Turkey deal aims to discourage migrants from perilous crossings and to break the business model of human smugglers who have fuelled Europe's biggest influx since World War Two. EU authorities said none of those deported on Monday had requested asylum in Greece and all had left voluntarily.

More World News»

'1920 London' trailer: Spookfest returns
The ‘1920 London trailer’ has released and does have the power to send the chills down your spine.

Bollywood celebs: Then and now

SRK to welcome Prince William and Kate?
Prince William and Kate Middleton would be visiting India in the next few days and a royal welcome has been planned by the Badshah of Hindi cinema, Shah Rukh Khan, and international star,Aishwarya Rai Bachchan. The royal gala will be attended by the who's who of Bollywood, sports, politics and business circuits.

More Entertainment News»

3D 'mini-retinas' grown from human stem cells
Scientists have developed an efficient way to make 3D "mini retinas", which mimic the organ's tissue organisation, from mouse or human stem cells. The research offers new perspectives on the growth, injury and repair of retina — the part of the eye that is sensitive to light.

Rare white dwarf will reveal secrets of star evolution
Researchers from Brazil and Germany have discovered a white dwarf that contains no hydrogen or helium whatsoever. This will enable astronomers to study the exposed core of the star unimpeded by these gases, providing a unique view on the lives of stellar bodies in their final stages of existence.

Now, shock waves to treat infections?

More Science News»

World T20: Team of the tournament
TOI picks the best playing XI of the the recently concluded World T20 held in India.

Waqar Younis resigns as Pakistan coach
Pakistan's head coach Waqar Younis resigned on Monday weeks after his team's humiliating exit from the World Twenty20 tournament at the group stage.

World Twenty20 2016: The top bowling spells
In a format that is dominated by the bat, TOI picks out the five best bowling spells in the just concluded World Twenty20 held in India.

More Sports News»

21 best tech companies to work for in 2016
Google and Facebook have won these sort of best-places to work roundups for eons, for 2016 there's a new champ in town.

This Oculus Rift feature may raise some serious privacy concerns
Oculus Rift appears to collect information on the people wearing it and send all of that back to other companies, according to its terms and conditions.

Corsair Strafe RGB gaming keyboard review
Here's the review of the new Corsair Strafe RGB gaming keyboard

More Technology News»

Faculty, students for HCU ranking in top varsities: VC
Notwithstanding the ongoing protests in the varsity following suicide by a student, Hyderabad Central University vice-chancellor Appa Rao Podile on Monday expressed happiness over the institution being ranked among the best universities in the country and vowed to continue the good work.

Blunders by PU dept led to second paper leakage
The department of pre-university education (DPUE) used the same set of papers printed for March 21 for the March 31 re-exam.The re-exam had to be cancelled after a second paper leak in 10 days.

India calls for empowerment of autistic people
Stressing on empowering autistic people through appropriate education and employment opportunities, India has called for enhancing quality of life of differently-abled children. India's permanent representative to the UN Ambassador Syed Akbaruddin said in an address here on Friday.

More Education News»

For these owners, pets live forever
It's mid-afternoon and Shery has been resting quietly by the living room window, her paws extended and a sideward gaze.

2 teen brothers 'leap to death' in front of train
Two teenage brothers who had gone missing from their Nalasopara home last week after taking Rs 6,000 and their father’s ATM card, allegedly committed suicide by holding each other’s hands and leaping in front of a running train from a railway platform

Beach volleyball is Mumbai's new social network

More Mumbai News»

Adding bite to city's fight against crime
They may look like pampered pets, but Teddy, Moby and Babe are thorough professionals that can unearth explosives hidden below the ground or rescue victims stuck under the rubble of collapsed structures. The trio are a part of the team of 30 super-canines of the Delhi Police, their roles deemed integral to the city’s security.

30% of drunk drivers from south Delhi
No amount of penalty seems to have had an impact on drunk driving in the capital. What’s more: south Delhi has the dubious record of having the most number of drunk driving cases.

DU may kick off PG admission in mid-April
Delhi University is likely to start the admission process for its postgraduate courses from mid-April.

More Delhi News»

Gowda waits as K'taka guv takes nap
Former Prime Minister HD Deve Gowda discussed national issues with PM Modi twice in five months last year, but couldn't get a minute with Karnataka governor Vaju Vala to discuss the controversial Anti-Corruption Bureau on Monday .

Writer rejects award to protest privatization of gallery

Technical glitches, tedious process mar online payment
On Monday morning, Jagannath R, a resident of Dattatreya ward in Malleswaram, eagerly logged on to the BBMP website (http://bbmp.gov.in/) to pay his property tax.

More Bangalore News»

Govt move to create spl fund for CM draws flak
After being rapped by the Comptroller and Auditor General (CAG) for its 'unrealistic' budget, the TRS government appears to be in a tight spot over indiscriminate spending of public money.

Not just IT, Telangana launches other policies too
Along with the launch of information and communications technology (ICT) policy, the state government on Monday also unveiled four other policies that fall under the gamut of the IT department - innovation policy (addressing startups), image policy (catering to gaming and animation industry), electronics policy and policy on rural technology centers.

Cong slides into PPT battle with TRS govt
The Telangana Congress is set to slide into a battle of sorts of power point presentations with the TRS government.

More Hyderabad News»

To achieve inner peace, Rajiv Gandhi murder convict observes vow of silence
Forty-eight-year-old V Sriharan, alias Murugan, one of the life convicts in the Rajiv Gandhi assassination case, has embraced 'silence' to seek inner peace

Damage caused by tsunami is an insurable risk, rules high court
Tsunami is an insurable risk, and hence an insurance company is not correct in denying the insured sum to a shipping company on the ground that tsunami is an earthquake-related activity not covered by marine insurance policy , Madras high court has said.

High Court strikes down dress code for temples
A division bench of the Madras high court on Monday set aside the court-mandated dhoti and salwar-churidar dress code for devotees to enter temples in Tamil Nadu, stating that the single judge who laid down the code had gone beyond the case placed before him.

More Chennai News»

'Concepts of mind and brain different in science, philosophy'
What is the mind? Is it part of the brain or does it have its own independent existence? How can cognition be understood on the basis of neuroscience? Are there better ways to understand human beings - especially crime accused - on the basis of their neurology? These were some of the questions at the first national conference of the Cognitive Neuroscience Society of India (CNSCI), which commenced at Gujarat Forensic Sciences University (GFSU) on Monday.

Rs13.4 Lakh stolen from Vastrapur bungalow
Thieves targeted the bungalow of a textile trader in Vastrapur and stole gold and silver ornaments worth Rs 12.7 lakh along with Rs 70,000 cash on Sunday. Police suspect it to be an insider's job.

Class XII English medium students get 1 grace mark
Students who appeared for their class XII semester IV examination with English as the medium of instruction will get one grace mark in Chemistry. This was decided after the Gujarat Secondary and Higher Secondary Education Board (GSHSEB) found that there was an error in translating the paper into English.

More Ahmedabad News»

Platform No. 2 closed due to work
Platform number 2 of Prayag station has been closed from Monday due to construction of washable aprons.Trains arriving at the platform will now arrive at platform number 3.

Anything for marks in UP Boards: Examiners flooded with 'spl requests'
Case 1: Mera jeevan ek kora kaagaz hai, agar tumne mujhe fail kar diya toh aur kora ho jaayega.(My life is blank ...It will only get worse if you fail me)Case 2: Main baakiyo ki tarah Rs 100-500 copy mein de sakti thi.

Curtains on IIIT-Allahabad technical extravaganza
Aparoksha, the tech fiesta of Indian Institute of Information and Technology (IIIT-A) came to an end on Sunday night.

More Allahabad News»

Odisha tribals gear up to protest state's move to mine Niyamgiri hills
After the state government’s fresh move to revive its proposed mining plan in Niyamgiri hills bordering Kalahandi and Rayagada districts, tribals residing in the hills are geared up for a strong movement against the government to protest its plan.

Odisha got less drought assistance from Centre: SRC
Bhubaneswar, Apr 4 () The Odisha government has received only Rs 276.54 crore as drought assistance from the Centre against its announcement of Rs 815 crore as aid for the 2015 drought in the state.

One dies, 15 injured as bus turns turtle in Khurda

More Bhubaneswar News»

Vyapam scam: Madhya Pradesh CBI team reaches 'Gondia' searching candidates
Digging deeper into the Vyapam scam's most sensational case - the 2012-transport constable recruitment test - a CBI team has reportedly reached Gondia district in Maharashtra to ascertain credentials of candidates who had appeared for the exam.

After eight MPs, 60 legislators to get notices from Bar Council

BMC razes loo, wife walks out on priest

More Bhopal News»

IIT Ropar 9th in varsity rankings
The Indian Institute of Technology (IIT), Ropar, has bagged ninth position among various research and teaching institutes of the country in the India Rankings 2016 released by National Institutional Ranking Framework (NIRF).

Barnala villagers block road for school upgradation
Residents of Dhaula village in Barnala district blocked the Barnala-Mansa road for nearly two hours on Sunday seeking upgradation of the village school from high to senior secondary level.

In Patiala, gunny bags in demand gunny bags as wheat arrivals yet to begin in Patiala
Arrivals of wheat are yet to begin in Patiala district as arhtiyas (commission agents) have demanded gunny bags as procurement picks up pace in the coming days.

More Chandigarh News»

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Spiritual Secrets of the Fierce Wisdom Goddess Bhairavi

IndiaDivine.org:
bhairavi-01.jpg
All spiritual phenomena in the universe tread the twin paths of beauty and danger. Goddess Bhairavi is the terrifying aspect of the Dasha Maha Vidya representing divine wrath and anger. With her piercing shrieks and petrifying rage she dispels negative forces that try to curb spiritual growth.
 
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