Should you buy government bonds directly or take the mutual fund route? Find out

THE ECONOMIC TIMES Tue, Aug 09, 2016 | 08:00 AM IST ET Wealth Newsletter

WHAT'S HOT #HowtofileTaxReturns, #HealthInsurance, #TermInsurance

Should you buy government bonds directly or take the mutual fund route? Find out RBI has made it easier for small investors to buy government bonds. Find out if you should buy gilts directly or take the mutual fund route. Should you opt for high risk beta stocks over quality? Quality refers to firms with robust fundamentals—high return on equity, zero or low leverage and durable business models that provide healthy earnings. Missed the tax return filing deadline? Here's what to do Filing ITR after the due date is called belated return. It can be filed before the end of assessment year or before completion of the assessment. Will centralised KYC make investing easy? A central KYC registry will help banks, mutual funds, brokerage firms and depository participants offer services without asking customers to provide multiple KYC undertakings. From our Partners Can you invest like a marathoner? Olympic Games typically end with the marathon run. It is considered to be a very important event that tests the resolve of the athletes. From our Partners Prepare financially to meet the cost of treating cancer The word 'cancer' instils more fear than death. The disease has become a big threat globally, irrespective of age, social status, physical fitness, gender, etc. It takes a toll on not just one's health, but also emotions, time and money. Can lack of sleep slow down your career? Find out Sleeplessness can play havoc with your professional life and even inflate your medical bills. Students take online route to earn & learn With a world of jobs and business opportunities opening up online, a number of students are earning and learning simultaneously. Best health insurance plans for young couples ET Wealth-PlanCover.com rankings help identify the top contenders for young couples in the 18-40 year age group who don't want children. How to use technology to manage your home better, improve lifestyle Technology encompasses every aspect of our lives today, from smartphones to tablets, and even smart home appliances. Some easy ways to incorporate it into your home, lifestyle. From our Partners Do you want to own a Multi-cap football team? A multi-cap mutual fund scheme or a diversified equity mutual fund scheme typically invests in stocks across market capitalizations, sectors and styles of investment. From our Partners Play the balancing act of gymnastics in your investments! Gymnastics is a great combination of strength, balance, flexibility and grace.

Financial Calculators 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 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. More Calculators

Does your broker suggest funds from a group entity? Investors should be careful of brokers who go by a fund's parentage instead of potential when they suggest schemes. Are you making the right financial moves? Your path to prosperity will be smooth if you take prudent steps at the right time. The wrong decisions will lead to a setback. This traditional snakes and ladders game shows where different moves will take you. Should you invest or pay off your student loans first? Having recently got a job with an MNC, Varun is still undecided on whether he begin saving for his future or pre-pay a part of his student debt with the funds. Sundaram S.M.I.L.E Fund: Stellar past, shaky present Given that the fund manager has proven execution capabilities, investors should give this fund some time to improve its return profile. Strong balance sheet, healthy order book make J Kumar Infra analysts' top pick The company will continue to benefit from the government's infrastructure push. Advisers shouldn't focus only on selling: Glen Baptist, Pramerica International Investments "A financial adviser is necessary because we get so involved in our daily lives that we can't pay attention to our investments." Family Finances: Linking goals to investment to help 24-year-old Teja achieve objectives easily Clarity about goals and linking these to investment will help Dharma Teja reach these with ease. Gurgaon-based Pallavi can cut tax by drastically changing tax planning investments Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Alternative investment returns monitor: For week ending August 3, 2016 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. 6 Smart things to know about how to operate joint accounts A brief look at everything you wanted to know about joint accounts. How to manage your bank account when you change your address Any change in the permanent or correspondence address should be promptly communicated for the smooth functioning your bank and investment accounts. Investor base will grow if investing is made easy Endless paperwork, lack of transparency and absence of ease in implementing investment decisions are all to blame for keeping capital away from the markets, says Uma Shashikant. Startup Jazzmyride sells car and bike accessories, utilities, spares via web store This e-commerce company makes it easy to procure accessories, utilities and spares for cars and bikes Sebi tells brokers to provide stock trading documents in 15 Indian languages Sebi has directed all intermediaries in the securities market to start communicating with the investors in vernacular languages, in addition to Hindi and English.

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Bhimbetka Caves Inhabited for More Than 100,000 Years

IndiaDivine.org:

Bhimbetka Caves Inhabited for More Than 100,000 Years

The sprawling caves of Bhimbetka are located about 45 km northeast of Bhopal, the state capital of Madhya Pradesh in India. The northern fringes of the ancient Vindhyachal ranges are home to the extraordinary rock shelters and paintings, the rocks fortifying an ancient treasure within. Seated amidst lush greenery in dense forests, rocky terrain, craggy...

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News Digest: How the NDA government won the support of states on GST Bill

		THE TIMES OF INDIA
		Tuesday, August 09, 2016
		Today's Headlines

		India
		How the NDA government won the support of states on GST Bill Gujarat increases waiting list criteria for Class III posts Gujarat chief minister Vijaybhai Rupani on the first day of taking charge announced important changes in rules for the youth to get better opportunity in waiting list of government jobs in Class III category during his first cabinet meeting. Bulandshahr gang-rape case: Main accused, two others arrested by UP Police Three including the main accused in the brutal Bulandshahr gangrape case, were arrested by the UP Police on late Monday evening, state DGP Javeed Ahmed said. Main accused Salim Bawaria and the remaining three were on the run, while three others had been arrested earlier. More India News»

		Business
		Biggest spectrum sale from Sept 29, govt eyes Rs 5.6L cr The government will conduct the country's biggest spectrum sale from September 29 as mobile frequencies will be sold across seven bands. India's home to Accenture's 37% staff The buzzword in IT today is "digital", encompassing areas like analytics, big data, mobility, internet-of-things and new-age marketing channels. Jaguar is fastest growing car brand in US The memo that the US car market is finally slowing down apparently didn't make it to Coventry, England. More Business News»

		Environment
		17 lakh tonne of e-waste generated in India in 2014 50 Siberian tiger cubs born in China's park Over 50 tiger cubs have been born this year in China's largest Siberian tiger breeding centre in the country's northwestern Heilongjiang province. Scientists handpick certain tigers, using a DNA database, to breed the next generation every year, the park said in a statement on Sunday. 25 blackbucks 'poisoned' in Telangana Thought the exact cause of death is yet unknown, the authorities, worried that more blackbucks may get drawn to the maize crop and accidentally consume the pesticide pellets, have decided to destroy the crop. For now, the stomach content retrieved from the carcasses has been sent for analysis. More Environment News»

		World
		Dozens of IS oil tankers destroyed in Syria strike: US Helicopter crashes in Nepal, killing all 7 aboard A helicopter crashed in a mountainous region of Nepal on Monday, killing all seven people on board, officials said. Nepal's Civil Aviation Authority said efforts were being made to bring back the bodies from the crash site in the Chuchebhir area Pakistani Taliban faction claims Quetta hospital bombing The Pakistani Taliban faction Jamaat-ur-Ahrar on Monday claimed responsibility for a suicide bombing at a hospital in southwestern Pakistan that killed at least 65 people. More World News»

		Entertainment
		Salman not doing a special song in 'Shivaay' While Ajay Devgn's next directorial, Shivaay’s much-awaited trailer left the eager moviegoers stunned, the speculations over Salman Khan doing a special number for the film have been put to rest at the trailer launch of the film. Krishna Raj Kapoor hospitalised She has been admitted for age-related health issues. Salman: I am friends with actors, birds and animals "I have a lot of friends in the industry, both male and female, birds, animals, all. Whose name should I take? All are my friends here," said Salman. More Entertainment News»

		Science
		Liver harvested from brain dead person, taken to Bengaluru The Port City has given new lease of life for several people across Karnataka through organ transplantation procedures in the past one year. In a fourth such instance, a brain dead person’s liver was taken to Bengaluru late on Monday night. Spectacular meteor shower to light up skies this week: NASA A cosmic display of "shooting stars" will light up the night skies this week during the annual Perseid meteor shower, when up to 200 meteors per hour will hit the Earth's atmosphere and disintegrate in flashes of light, according to NASA. Not too many women in cosmology, they're discouraged along the way: Priyamvada Natarajan Our investigation of the universe in the new millennium has revealed that 96% of it is made up of dark matter and dark energy. At the cutting edge of research into this vast unknown is Priyamvada Natarajan, theoretical astrophysicist at Yale. She studied in Delhi, MIT and Cambridge and was drawn to the cosmos at an early age. More Science News»

		Sports
		Heartbreak for Abhinav Bindra, men's hockey team Gagan Narang, Mananvjit Sandhu and Kynan Chenai stumbled in shooting, India's swimmers didn't make a splash and Laxmirani Majhi exited the Games. Rio live: Japan clinch gold in men's gymnastics Rupinder Pal Singh shot the equaliser for India in the second quarter against Germany. Great Britain beat India 3-0 in women's hockey India women hockey team came short against Great Britain as they lost their second Pool B match 0-3 at the Olympic Hockey Centre on Monday. More Sports News»

		Technology
		Samsung SUHD 4K Curved Smart TV KS9000 review: Your personal cinema hall We reviewed the 65-inch Samsung SUHD 4K Curved Smart TV KS9000 priced at Rs Rs 4,40,900 to see what it has to offer. 10 best engineering colleges of India Six cities in India are set to get new IITs. The Parliament passed a law in this regard last week. Almost 1 billion Android smartphones affected by security flaw in Qualcomm processors: Report Hackers can trigger any of these four vulnerabilities using a malicious app. “Such an app would require no special permissions to take advantage of these vulnerabilities, alleviating any suspicion users may have when installing,” adds the post. More Technology News»

		Education
		656 drop outs in IITs, 49 in IIMs in 2015-16: Govt No proposal for common curriculum for CBSE, states: Prakash Javadekar Government does not propose to introduce a common curriculum in CBSE and state boards as a uniform syllabus does not take into account the local contexts, culture and language, Lok Sabha was informed on Monday. IITs to keep eye on hiring by startups, focus on PSU jobs After a few start-ups revoked job offers and some deferred their joining dates, IITs are making minor changes in their placement policies to ensure students don't face a similar situation this year. More Education News»

		Mumbai
		20-year-old's BMW crushes sweeper A 20-year-old on Monday was arrested by Bangur Nagar police station in a hit-and-run case, after the BMW he was allegedly driving mowed over a pedestrian. Unaided college seats in M'rashtra overtake those supported by govt The state is seeing the slow death of the aided collegiate system, an arrangement that historically had colleges charging ridiculously low fees. That worked as an inducement and opened campus doors to any youngster wanting to pursue higher education. Third Bhiwandi bldg collapse in 10 days, 3 hurt Three persons escaped with injuries when the floor of a flat in a Bhiwandi building, declared dangerous two years ago, collapsed and fell into the lower floor on Monday. The flat below was unoccupied. More Mumbai News»

		Delhi
		Elderly couple attacked in Rohini park; woman dead A 59-year-old woman was brutally murdered while she was on an evening walk with her husband in a park at Prashant Vihar, Rohini in northwest Delhi on Sunday. Fast-track court judge fails CJI's law test An aspiring district judge, ordered by a high court to be appointed to that post, ended up ruining his case as he failed to answer CJI T S Thakur's elementary questions on law and procedure in a packed courtroom on Monday. Auto driver held for harassing TOI scribes Hours after two TOI reporters were harassed by an autorickshaw driver in central Delhi, the accused was arrested from his house in northeast Delhi's Nand Nagri on Sunday. More Delhi News»

		Bangalore
		Vapers claim e-cigarette ban not based on any study, cite RTI reply We don't want floods like Chennai, says CM Defending the encroachment-clearance drive, chief minister Siddaramaiah on Monday said the government does not want Bengaluru to face a Chennailike post-deluge situation. BBMP dusts off 100-yr-old maps, reduces houses to debris heaps The scene at Shubh Enclave, Kasavanahalli, off Sarjapur Road, looked surreal on Saturday and Sunday. More Bangalore News»

		Hyderabad
		Nayeem, the man who knew too much, shot dead Was Nayeem threatening TRS legislators? Within hours of death, cops raid Nayeem's Hyderabad dens More Hyderabad News»

		Chennai
		Who reaped benefit of MGR-Jaya films? The debate whether MGR-Jayalalithaa films benefited the DMK or its offshoot, the AIADMK, raged in the Tamil Nadu assembly on Monday. Nanomaterials for water purification 3 storm water drains for Sidco Nagar Excess water from the Ambattur Lake had entered Villivakam localities via the Korattur canal and had caused large-scale destruction.To prevent such destruction due to flooding, the construction has been initiated. More Chennai News»

		Ahmedabad
		Fifty advocates join AAP President of the Bar Council of Gujarat, Gopinath Amin, along with 50 advocates joined AAP on Monday soon after the party opened its new office in Navrangpura. Minor Odhav girl abducted, city police remain clueless After a three-and-a-half-year old girl, Pinky, was abducted from Odhav, city cops have gone in a huddle.This is the second such incident since March when a toddler was abducted from a footpath in Maninagar. Job aspirants duped Jaydeep Gupta, a resident of Thaltej, filed a complaint with crime branch against a website and two persons Pradeep Jaiswal and Pradeep Goswami for cheating of Rs 2.94 lakh. More Ahmedabad News»

		Allahabad
		AU sees ruckus over students' expulsion, suspension Agitated over expulsion of four student leaders from the campus and suspending four others, the student leaders staged massive protest at the Pant auditorium of the department of Botany on Monday. The protesting leaders created ruckus as soon as INSPIRE programme, for which over 200 students from 24 KVs (Kendriya Vidyalaya) of the state had come, was about to start. Alarm bells ring as Ganga, Yamuna continue to swell Following flooding of rivers in Madhya Pradesh, the level of Yamuna and Ganga is rising at ana larming rate in the city. Three held in bid to extort Rs 30L from doctor Three youth, including a student leader, were arrested on Sunday on charges of making an attempt to extort Rs 30 lakh from a doctor in trans-Ganga. More Allahabad News»

		Bhubaneswar
		Bored of homework, runaway kids vow never to return home Two 13-year-old kids ran away from a city-based high school and boarded a south-bound train vowing not to return home. They did this to get rid of pressure of daily homework at schools and tuitions, railway protection force (RPF) sources said. Kotagarh firing: Victims' kin opposes HRPC probe report Rahul Naik, son of the couple who was allegedly killed in police firing that took place in Kotagarh area of Kandhamal district on July 26 last year, opposed the probe report filed by the State Human Rights Protection Cell (HRPC) before Odisha Human Rights Commission (OHRC). CBI summons Odisha minister's kin in Ponzi scam More Bhubaneswar News»

		Bhopal
		Another tiger found dead in Pench, 10th this year One more tiger has been found dead in Pench Tiger reserve in Seoni district, Madhya Pradesh under mysterious circumstances — taking the toll to 10 from the same tiger reserve this year. The last tiger death from this area was reported on July 16. PM visit: Bad weather, workers apathy likely to impact turnout Internal tussle and adverse weather has left the BJP struggling with onerous task of pulling crowd for Prime Minister Narendra Modi’s visit to Bhabhra in Alirajpur district, on August 9. Governor's go ahead to Madhya Pradesh's 'happiness department' Within a month of the clearance by the state cabinet, governor Ramnaresh Yadav gave the go ahead to the formation of "happiness department" in Madhya Pradesh. More Bhopal News»

		Chandigarh
		Water level in Bhakra, Pong dams rises after heavy rains With heavy rains lashing catchment areas, the water level in Bhakra and Pong reservoirs has risen by up to 13 feet in the past two days. Apna Ghar case: Officer deposes before CBI The court has fixed August 16 as the next date of hearing. Haryana okays NCR taxi scheme An official spokesperson said the scheme would be implemented in Gurgaon, Faridabad, Jhajjar, Rohtak, Bhiwani, Sonipat, Panipat, Karnal, Mewa, Palwal, Rewari, Jind and Mahendragarh districts. More Chandigarh News»

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