Plan to buy a car this festive season? Here are the best ones for different budgets

THE ECONOMIC TIMES Tue, Oct 04, 2016 | 05:30 AM IST ET Wealth Newsletter

WHAT'S HOT #the how to of investing,#the how to of taxation,#how to file income tax return,#acche din for home buyers

Plan to buy a car this festive season? Here are the best ones for different budgets ET Wealth ties up with CarDekho.com and identifies the top five options in three price categories. Here's a list with specifications and prices. Buying a car? Here's how to get the best deal and the real cost of ownership If you plan to purchase a car this festive season, pick the one that suits your budget and requirements from our listing of the top contenders. Are balanced mutual funds a better investment than large-cap MFs? Find out Despite a seemingly better risk-reward profile, balanced funds with return potential of equity and safety of debt are not a substitute for large-caps. From our Partners How is a sports fan similar to an investor? Sports and investments tend to have several similarities - the values, the strategies etc. But did you know that investors and sports fans too, have a lot in common? From our Partners Is SIP only meant for small investments? Systematic Investment Plan or SIP as it is commonly known, is the one of the most proficient and powerful tools to build wealth through mutual funds. Here's how to calculate how much you need to save for retirement To help you arrive at the correct figure to save for retirement, ET takes you through the methodology, one step at a time. Investors can make money from smaller firms narrowing the valuation gap with market leaders Many smaller companies who have little chance of winning are catching up with market leaders, opening up opportunities for investors. Is the advisory fee for NPS too low? Financial planners say the fee set by the PFRDA for investment advice on NPS is too low and won't attract retirement advisors. How to make personal finance decisions in a changing, complex financial environment Our financial lives are very different from what the previous generation experienced with their smaller but steadier incomes, says Uma Shashikant. From our Partners 4 lies you're being told about ULIPs ULIP is an unique investment vehicle that allows you to get dual benefits of capital appreciation and insurance. From our Partners Tackling Market Volatility - A Lesson from Archery He felt the wind lightly caress his left cheek and sighed. This would mean making a few adjustments, he thought, as he squinted again at the target in front.

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

Unmatched efficiency, growing market share make IndiGo stock a good long-term investment Long-term investors can use the current weakness in the sector to invest in this best-in-class airline, which is well ahead of its competitors in terms of operational efficiency. Quantum Long Term Equity Fund: Top pick for conservative investors The fund remains a proven offering suitable for conservative investors as its strength clearly lies in protecting the downside. 7 apps to do more things with your smartphone using WiFi Most of us use WiFi only to access the Internet on our phones, tablets and laptops. However, with the right apps, there is a lot more that you can do with your wireless connection. Indian firms offering paternity leave rises to 75% in 2016 from 60% in 2014 India is among the top 10 countries in the world with the highest percentage of companies providingpaternity and adoption leaves, says a global report by Mercer. How to make online contributions to NPS account Subscribers who have not opened NPS accounts online can make contributions to NPS online, using the e-NPS portal, with the following steps. Family Finances: 25-year-old Kumar needs to invest in equity, stagger financial goals An early start means that Kumar will be able to get his finances on track and reach his long-term goals and milestones with ease. 34-yr-old Narayanan should put more in NPS, buy family health cover to cut tax Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Smart things to know about E-insurance account IRDAI has mandated having an electronic insurance (e-insurance) account to purchase insurance policies, starting 1 October 2016. Should you buy term insurance policy only on basis of premium? Sameer and his wife realise the need for life insurance and are thinking about a plan to buy. Should annual premium be the only criteria for choosing a plan, or is there more to it? Alternative investment returns monitor: For week ending September 28, 2016 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments.

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News Digest: Man suspected to be leading IS's latest module linked to PFI

		THE TIMES OF INDIA
		Tuesday, October 04, 2016
		Today's Headlines

		India
		Man suspected to be leading IS's latest module linked to PFI A day after the National Investigation Agency (NIA) busted an Islamic State module in Kerala and Tamil Nadu which was allegedly planning to carry out major strikes in several parts of south India, the probe revealed that one of the senior members of the module — Majeeb alias Omar Al Hindi, a resident of Kannur — was associated with Kerala-based Popular Front of India (PFI). Baramulla: Terrorists escape after killing one BSF jawan Four days after India's surgical strikes across the Line of Control, a Border Security Force jawan was killed on Sunday night and another injured in what is being termed as a "shoot and scoot terror attack" on the 46 Rashtriya Rifles camp here. Katara killers Vikas & Vishal to serve 25 years in jail: SC Vikas and Vishal Yadav, son and nephew of dreaded UP politician D P Yadav, will not come out of jail till 2027 as the Supreme Court ordered them on Monday to serve 25 years in prison for the brutal "honour killing" of Nitish Katara in 2002 for being in love with Vikas' sister Bharti. More India News»

		Business
		Gayatri Project wins Rs 926cr highway contract in Bihar GST to be introduced from 1st April: Nirmala Sitaraman Nirmala Sitaraman, Union minister for commerce and industry declared that Goods and Services Tax (GST) will be implemented across the country from April 1, 2017. AirAsia announces discount on domestic, foreign travel The bookings for availing discounts can be made between today and October 16, AirAsia said. The airline's year-end sale has fares starting from Rs 999 inclusive of all taxes for a one-way journey to domestic destinations such as Bengaluru, Kochi, Hyderabad, Delhi, Guwahati, Jaipur, Imphal & others. More Business News»

		Environment
		What are you doing to deal with crop burning: NGT to states National Green Tribunal, which has fixed fines on farmers for burning crop stubble to prevent smog over Delhi and its neighbourhood, has directed Haryana, Punjab and Uttar Pradesh to inform it about the generation of agriculture waste and steps taken to dispose them off. Environmentalists welcome India's move on Paris deal Environmentalists welcomed India's move to ratify the Paris Agreement on climate change. They also sought to remind the global community that the pledges made under the Paris Agreement is not enough to keep the global average temperatures rise below 2.0°C as compared to the pre-industrial era. 'India will stick to its position on HFC phase out' More Environment News»

		World
		ISIS chief Baghdadi, 3 top aides poisoned? ISIS chief Abu Bakr al-Baghdadi and three of his top aides were seriously ill after being poisoned during a lunchtime feast and have been shifted to an unknown location, media reports claimed. After the incident, ISIS militants were conducting several arrests in order to determine who was behind it. Turkey extends emergency for 90 days: Deputy PM Turkey will maintain the state of emergency imposed in the wake of July's failed coup for another three months starting from October 19. The government has launched a vast crackdown to hunt down suspects in the failed putsch, blamed by authorities on US-based Muslim preacher Fethullah Gulen. At least six killed, 35 injured in Afghan market blast At least six people were killed and 35 wounded on Monday, when an improvised explosive device tore into a crowded marketplace in a northern Afghan province on the border with Turkmenistan. The bomb, hidden on a bicycle, exploded as farmers gathered in Darzab district of Jawzjan province. More World News»

		Entertainment
		Befikre trailer to be unveiled in Paris Yash Raj Films (YRF) has announced that the trailer of their romantic flick ‘Befikre’, starring Ranveer Singh and Vaani Kapoor, will be unveiled at the Eiffel Tower. Radhika Apte on sex scene from Parched 'Parched' is one film everyone is talking about for all the right reasons. No body doubles in 'Mirzya' Rakesh Omprakash Mehra wanted realisitic and never-seen-before action in 'Mirzya'. Debutantes Harshvardhan Kapoor and Saiyami Kher did their stunts themselves. More Entertainment News»

		Science
		Method to control 'hot' electrons comes a step closer Japan's Yoshinori Ohsumi wins Nobel Medicine Prize for work on cell 'recycling' Ohsumi of Japan was awarded the 2016 Nobel Prize in medicine for "his discoveries of mechanisms for autophagy". It is the the 107th award in the medicine category since the first Nobel Prizes were handed out in 1905. British scientists on verge of HIV cure: Report British scientists are on the verge of confirming a treatment for HIV, an incurable virus that leads to deadly AIDS disease, if a new treatment trial proves successful, a media report claimed on Sunday. More Science News»

		Sports
		India dislodge Pakistan as No 1 Test side after beating New Zealand Victory at Eden Gardens saw India reclaim the top spot in the ICC Test rankings. India had moved to No 1 during the West Indies Tests, but slipped down to second following the conclusion of the drawn Pakistan v England series. Kolkata Test: India seal resounding series win over NZ The spin of Ravindra Jadeja and R Ashwin, in combination with the reverse swing of Mohammed Shami and Bhuvneshwar Kumar took out the last six New Zealand wickets for a meagre 56 runs, guiding India to a comprehensive 178-run win on the fourth day. Virat Kohli says No 1 India will not take foot off pedal This was India's fourth successive Test series victory under the flamboyant Virat Kohli, beginning with the success story in Sri Lanka. India are now unbeaten in 13 Tests, including 11 wins and two draws. Kohli said India showed a lot of character to play well in tough conditions. More Sports News»

		Technology
		Apple iPhone 7, iPhone 7 Plus price details revealed, goes up to Rs 92,000 The iPhone 7 Plus 32GB, 128GB and 256GB will cost Rs 72,000, Rs 82,000 and Rs 92,000 respectively Apple slashes prices of iPhone 6s and iPhone 6s Plus by up to Rs 22,000 Apple has announced biggest-ever price drop for its smartphones in India. Under the new pricing, iPhone 6S (128GB), carying an MRP of Rs 82,000, will now be available at an MRP of Rs 60,000. iPhone 6s Plus (128GB) will now be available at an MRP of Rs 70,000, the smartphone too has received a price cut of Rs 22,000. Apple's 4-inch smartphone iPhone SE, too has got a price cut. The 64GB version of iPhone SE will now be available at Rs 44,000. WhatsApp privacy policy challenged in Delhi High Court: 5 things to know A public interest litigation in the Delhi High Court (HC) challenges the change in WhatsApp's privacy policy. More Technology News»

		Education
		Weighty issue: 12-year-old Nagpur boy launches agitation against heavy schoolbags Finally, Miri Piri Medical College issue resolved Ultimately, admissions in the Miri Piri Medical College run by the SGPC at Shahabad (Kurukshetra) will begin from the academic year 2018. FTII to propose fee hike, age limit; students oppose More Education News»

		Mumbai
		New ward boundaries hit suburban corporators hard End of an era: 42 Panvel councillors lose their posts after birth of civic corporation Hundreds throng Devi pandals in city to seek blessings, make offerings of saris & ornaments More Mumbai News»

		Delhi
		CM salutes PM for strike,warns of Pak's smear plan More mohalla clinics to help homeless in winter Convicts to pay over Rs 1 crore as fine More Delhi News»

		Bangalore
		Car owners pay a bomb for fancy numbers, NA-0001 sold for 3.5 Lakh What would you do if you had a few lakhs to spare? While most people would go in for a fixed deposit, invest in the stock market or splurge on a foreign holiday, participants at a public event chose to do otherwise. Metro to get more coaches by 2017-end If you are one of those Namma Metro commuters fed up with jam-packed journeys during peak hours, there's some relief in the offing.Each three-coach train will be augmented by three more coaches by the end of 2017. Ballari boy with no arms gets Raja Ravi Varma award Anjeneya Divyang, 14, a physically challenged student from Samarthanam Primary School, Bengaluru, has bagged the Raja Ravi Varma award for his outstanding drawing skills. More Bangalore News»

		Hyderabad
		Rights commission pulls up state govt over students' death in tribal hostels Illegal building owners to be slapped with criminal cases MLAs face public wrath over bad roads More Hyderabad News»

		Chennai
		Colourful murals to liven up railway stations Man drowns in swimming pool at ECR farmhouse Man with IS links stayed in Kottivakkam More Chennai News»

		Ahmedabad
		Gujarat govt to go ahead with recruitment without EBC quota Ahmedabad, Oct 3 () After the Supreme Court's interim order staying the implementation of 10 per cent quota for Economically Backward Class (EBC) in open category, Gujarat government today said it would go ahead with recruitment without this quota. All city police stations to be equipped with 15 CCTV cameras tnn Need mindset change for Digital India success: Pitroda Ahmedabad, Oct 3 () Various departments, including that of Information Technology, still continue to work manually and need a change in "mindset" before the government's much-touted Digital India plan can yield benefits, tech entrepreneur Sam Pitroda said today. More Ahmedabad News»

		Allahabad
		Cong netas' poster questions RSS role in freedom struggle The banner comes at a time when party vice-president Rahul Gandhi faces a defamation case in a court in Assam for his comments against RSS. Shailputri worshipped on Day 1 of Navaratra The festival of Navaratra started with the worship of 'Devi Shailputri', a manifestation of Goddess Durga, at temples across the city on Saturday. Avishkar draws to a rollicking close Softablitz More Allahabad News»

		Bhubaneswar
		Dhol, tabla makers busy meeting festive orders Makers of traditional musical instruments from the coastal district of Kendrapada and its nearby areas are busy giving final touches to 'dholas' and 'tablas' for the upcoming festive season. Elephants crush youth to death A youth was crushed to death by a herd of elephants in Bargaon forest range late on Sunday.The deceased was identified as Amlan Gudia, 28, of Tamra village, which is located close to the Panchara forest. Dhol, tabla makers busy meeting festive orders Makers of traditional musical instruments from the coastal district of Kendrapada and its nearby areas are busy giving final touches to 'dholas' and 'tablas' for the upcoming festive season. More Bhubaneswar News»

		Bhopal
		BJP leaders call for boycott of Chinese products Demand for arms picks up as polls near in Uttar Pradesh A week back, three people were arrested in Morena after police unearthed a small arms unit, recovered 10 country-made fire arms of different bores, iron cutting machines and pipes. AIIMS brass shielding accused, cry ragging victims More Bhopal News»

		Chandigarh
		non payment of scholarship funds by Punjab government Haryana to implement 7th pay commission report soon Haryana finance minister Capt Abhimanyu has announced that employees of the state government would soon get the benefit of the 7th Central Pay Commission as the committee for Implementation of the 7th Central Pay Commission, constituted by the State Government, would submit its report by October Lack of coordination seen between BSF and administration in implementing govt's orders More Chandigarh News»

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Hasta 9 años con 7 de carencia para proyectos de expansión

Fondos públicos para proyectos de expansión o de mejora del sistema productivo Con la línea Enisa Competitividad 2016. Para pymes con un proyecto viable técnica y económicamente. Entre 25.000€ y 1.5M de euros. Plazo máximo de amortización de 9 años, con hasta 7 años de carencia del principal. Somos expertos en gestionar esta línea y podemos conseguir la tuya Contáctanos de 9 a 16 horas en el 981 90 49 49 o te contactamos nosotros Déjanos tus datos Sobre nosotros Somos un socio estratégico para tu empresa. Atendemos a empresas y autónomos de toda España. Servicios genéricos Plan económico Arbitraje financiero Factoring sin recurso Tramitación de avales RAI/ASNEF Otros servicios Subvenciones Marketing Fiscal laboral y contable Hacienda y S.S. Análisis de clientes