Credit, debit card frauds and how you can avoid them

THE ECONOMIC TIMES Tue, Nov 01, 2016 | 10:31 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

Credit, debit card frauds and how you can avoid them Find out the ways in which credit or debit card scams take place and the steps you can take to prevent identity theft and fraudulent transactions. E-banking fraud: What's your liability? The burden of proving customer liability in an unauthorised e-banking transaction lies with the bank, as per the RBI draft guidelines. The top stock picks for Samvat 2073 Here are few recommendations for the top three picks of prominent brokerage houses that can give up to 53% gains in the next one year. From our Partners Now start investing in mutual funds within 2 mins on mobile with ET MONEY Switch to smart investing with India's only mobile app that helps you pick the best funds and instantly invest. From our Partners How diversified should your portfolio be? Diversification, in its true essence means having a variety of asset classes in a portfolio. Main benefit being that the risk in one asset gets offset by the stability in the other. Will the Tata tussle impact MF investors? Find out They need not fret about Tata Group stocks losing value, according to Vidya Bala, Head, Mutual Fund Research, FundsIndia.com. How to manage your financial goals amid falling returns on investments Since the overall return structure is coming down, investors need to adjust their investment pattern to maintain their portfolio returns at current levels. Govt certificate not needed for home loan interest tax break: Tax tribunal The order by the Mumbai bench of the Income Tax Appellate Tribunal states certificate from housing society is enough proof of possession for tax purposes. Balanced asset allocation investment strategy will pay off Each asset class has its own shortcomings. Striking a balance is the key, says Ashish Shanker, Head, Private Wealth Investment Advisory, MOPWM. From our Partners Equity Funds - your runner in the long term race! Equities are true blue wealth creators in the long term - this is probably the most preached mantra, but seldom practiced! From our Partners The "Don'ts" in equities? Whatever level of an investor you fall under, knowing what 'not' to do, could help you figure your route to investing in equities.

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

Should you foreclose your home loan? Home loan customers get caught in a dilemma whether to save on the interest paid to their bank or save the tax paid to the government. Startup Confidential Coutre offers pre-owned luxury goods at a discount on online portal Founded in June 2014, Confidential Couture offers a range of products from virtually all leading luxury brands— Prada, Jimmy Choo, Gucci, among others. RBI issues warning about Rs 500 and Rs 1,000 counterfeit notes Currency notes of higher denomination have various security features to ensure that counterfeit notes are easy to spot. My saving idea: How saving Rs 50 notes can grow to Rs 1 lakh in 10 years Here's a saving trick that helped Mayukh Sharma of Gurgaon save a little extra. Whenever Sharma gets Rs 50 note, he puts it away in a box. Camera, smartphone accessories to improve your photography skills ET Wealth lists seven must have accessories to help you shoot better photos and videos with you smartphone or a camera. If you find that more money doesn't buy you happiness, try charity More money does not mean more joy. Those who have money can share their wealth to make the lives of the have-nots better and feel happy about it. What makes SBI Magnum Balanced Fund a worthy bet? The fund witnessed heavy turbulence between 2008 and 2011, but has performed admirably since then under the stewardship of its current fund managers. What makes Bajaj Electricals stock analysts' top pick Though the management's continued focus on high-margin businesses is putting short-term pressure on its revenue, analysts say investors need not get worried. Women work 50 minutes more than men daily: WEF report Although men do 34% more paid work than women, women still spend more of their time on unpaid work such as housework, childcare, etc. Should you save or spend your Diwali bonus? Decision of what to do with bonus doesn't always have to be a choice between saving and spending as there's no reason for it to be an 'either or' situation. Why investors should look at Information Ratio when choosing a mutual fund Information Ratio measures the fund's performance relative to its benchmark and adjusts it for the volatility in dispersion. Who should be the executor of your Will? While friends and family are trustworthy when it comes to executing a Will, a professional might be the better choice for complex estates. Family Finances: Hyderabad-based Sreenath needs to align investments with financial goals Hyderabad-based R. Sreenath will have to align his investment portfolio with financial goals to realise them with ease. How to invest in multiple MFs via a single payment through MF Utilities Once CAN is allotted, and KYC documents are submitted, the investor can carry out transactions using the common transaction form. 6 smart things to know about co-signing a loan Both co-signer and co-borrower are responsible for the loan. If the borrower cannot afford to repay, the co-signer will be held liable. How IT-professional Sharat can save Rs 55,000 tax by investing in NPS, buying health insurance If Rs 77,040 is put in the NPS every year, his tax will reduce by almost Rs 24,000. But this will reduce his take-home pay by almost Rs 4,300 per month. Breast cancer insurance claims, policies bought rise in 2015 over 2013 The Max Bupa Health Insurance reveals that the total number of claims in 2013, 2014 & 2015 was 2,087. Alternative investment returns monitor: For week ending October 26, 2016 Here's a weekly tracker of returns from Alternative investment avenues such as: Diamonds, Precious Metals, Wines and Coins.

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Raghavendra Swami Appeared to British Official 130 Years After Entering Jeeva Samadhi

IndiaDivine.org:

Raghavendra Swami Appeared to British Official 130 Years After Entering Jeeva Samadhi

Well, all of us know about the episode of Thomas Munroe and Raghavendra Swamy. However, not many know that Rarayu himself gave the reason for appearing before Munroe and talking to him. This is the story of Munroe and Rayaru. When Munroe visited Mantralaya, he was the Collector of Bellary. He had been offered the ...

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IndiaDivine.org:

The Miracles of Raghavendra Swami

Sri Raghavendra Swamy was born in 1601 A.D. at Bhuvanagiri (Tamil Nadu), by the benign Grace of Lord Venkateswara, when all the planets were in exalted and auspicious houses, bestowing a long divine life, (700 years) full of miracles and healing powers for the welfare of humanity. He ruled the Vedic Samrajya from 1624 to ...

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IndiaDivine.org:

Some of the Miracles Performed by Guru Raghavendra

Sri Raghavendra is considered to be magnanimous and benevolent; countless devotees of his testify to the miracles he has performed. The sacred sand of the Moola Brindavana (Moola Mrithika) has very special significance, to cure diseases and throw away evil forces. Some well known miracles are listed below. Miracle for the Chola King During the ...

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News Digest: Cakewalk: No cop on roof, no patrol

		THE TIMES OF INDIA
		Tuesday, November 01, 2016
		Today's Headlines

		India
		Cakewalk: No cop on roof, no patrol Video clips of shooting raise doubts about encounter `SIMI may use killings against BJP' More India News»

		Business
		Infra sector growth at 3-month of 5 per cent in Sep Infrastructure sector recorded a growth rate of 5 per cent in September, the highest in three months, on account of healthy performance by cement, steel and refinery products. 60% dip in sales of Chinese goods this Diwali The Confederation of All India Traders (CAIT) has claimed that there was a 60 per cent dip in the sales of Chinese goods this Diwali as a result of the massive social media campaign urging people to boycott Chinese products. Mistry-Tata row: Brickwork Ratings downgrades Tata Steel Citing "heightened management risk" following the ouster of Cyrus Mistry as Chairman of Tata Sons, Brickwork Ratings has revised outlook of Tata Steel to negative while as revised the ratings of its NCDs worth Rs 6,500 crore. More Business News»

		Environment
		The common swift spends 10 months flying every year This Diwali to be more polluted than last two years Tiger 'kingfisher' dies in Kanha Tiger Reserve A tiger, popularly known as 'Kingfisher', was found dead in core area of Kanha Tiger Reserve, taking the death toll of big cats in Madhya Pradesh in the last 10 months to 23, KTR officials said on Saturday. More Environment News»

		World
		Iraqi heritage sites again at risk in Mosul operation Iraqi heritage sites targeted in a campaign of destruction by the Islamic State group are again at risk during the operation to retake Mosul from the jihadists. IS has fighters deployed at or near archaeological sites. Turkey detains opposition newspaper editor Turkish police detained the chief editor and two columnists of Turkey's opposition Cumhuriyet newspaper on Monday and had warrants to detain 10 other senior staff members, state-run Anadolu Agency reported. Mariano Rajoy sworn in as Spain prime minister Spain's conservative leader Mariano Rajoy was sworn in on Monday for a second term as prime minister at a ceremony attended by King Felipe VI, bringing a close to ten months of political limbo. Rajoy is set to spend the next three days forming a new cabinet for his minority government. More World News»

		Entertainment
		Ranbir Kapoor is here to stay: Anushka Sharma Ever since Anushka Sharma and Ranbir Kapoor worked together in ‘Bombay Velvet’, the two have shared a great camaraderie. Why Bollywood doesn't need sci-fi films Pooja Bhatt celebrates Diwali in Pakistan Post Uri attacks, there has been much tension in the India-Pakistan ties. More Entertainment News»

		Science
		Novel drug may allow dogs to live longer In good news for dog lovers, scientists have identified a drug that may allow their canine friends to live significantly longer by delaying the onset of heart failure by an average of 15 months. The study took seven years to complete and involved 360 dogs across 11 countries. Scientists turn pollution back into green fuel Scientists have accidentally discovered a way to reverse the combustion process, turning carbon dioxide (CO2) back into a fuel. Researchers at the Oak Ridge National Laboratory in the US used complex nanotechnology techniques to turn the dissolved gas into ethanol. Does baby powder cause cancer? Another jury says yes More Science News»

		Sports
		Team India, Ashwin continue to lead ICC Test charts There was no change at the top of ICC Test rankings for teams and bowlers as India and its premier off-spinner Ravichandran Ashwin held on to their numero uno spots respectively. England's spinner issues mounting ahead of India Test series England demonstrated in the drawn Test series in Bangladesh that its batsmen struggle against spin in the subcontinent and its bowling department lacks a top-class slow bowler. When one raises his game, juniors get inspired: Mishra Mishra, who bagged 18 wickets in the recently concluded five-match ODI series against New Zealand is happy that he can share his knowledge in international cricket with newcomers like Jayant Yadav and Axar Patel. 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
		University of Hyderabad to recruit 114 faculty positions The recruitment process will start from November 1 for the faculty positions of Professor, Associate Professor and Assistant Professor, the varsity also known as Hyderabad Central University said in a statement on Saturday. Money matters! It's high time you earned enough revenue: Modi government to IITs, IIMs The finance ministry has written to all government departments and ministries, directing them to check on the various autonomous and funded institutes. HRD to soon take call on compulsory CBSE class X board exam, says Prakash Javadekar The Union HRD ministry will soon take a call on whether the Class X board examination should be made compulsory for students of CBSE schools. Speaking to reporters after the 64th CABE meeting on Tuesday, HRD minister Prakash Javadekar said that many state boards are already conducting Class X exams. More Education News»

		Mumbai
		Shops in Virar gutted in fire caused by fire crackers Around 10 shops located near a flyover in Virar (east) were gutted in a fire allegedly caused by fire crackers early Monday. No casualties were reported. Maharashtra ropes in international consultant to develop cruise ports As Mumbai port awaits one of the world's largest cruise ships on Saturday, the ministry of shipping has appointed an international consultant -Bermello Ajamil & Partners -to prepare an economically viable plan to develop coastal and inland cruise ports in the country. ​ Fallout of RTI activist murder ? - To keep out squatters, new rulebook for BMC officials The Brihanmumbai Municipal Corporation (BMC) on Saturday brought out guidelines for its officials on how action is to be taken. More Mumbai News»

		Delhi
		19-year-old jumps to death A 19-year-old woman allegedly jumped to her death from the fourth floor of a building in east Delhi on Monday.No suicide note has been found, police said. Pain for all of Modi says 'Mann ki Baat' PM Narendra Modi reminded the nation of anti-Sikh riots that followed the as sassination of then PM Indira Gandhi on October 31, 1984 and said the atrocities against “Sardars“ (Sikhs) had caused “pain to all of us“. Man gets life term for raping daughter A trial court on Monday awarded a man life imprisonment for repeatedly raping his minor daughter and impregnating her. More Delhi News»

		Bangalore
		Guntur businessman shot dead in Bengaluru during Diwali Bengaluru/ A 55-year-old businessman from Guntur was gunned down by two assailants in north Bengaluru during Deepavali revelry. Reconstructive surgery enables 12-year-old to read Braille script Foreign cigarettes smuggling on the rise More Bangalore News»

		Hyderabad
		High court concludes hearing of Naidu's version in cash-for-vote case Smugglers held at RGIA, 67.5 tola gold seized Air Intelligence Unit (AIU) sleuths of the Customs department detained four Delhi based smugglers at RGI Airport for trying to smuggle in gold bars weighing 67.5 tola on Monday. TRS misleading people with bogus surveys: Telangana Pradesh Congress Committee chief "To fool people, the TRS government is now indulging in a misleading campaign with the support of bogus surveys. More Hyderabad News»

		Chennai
		Woman textile workers complain of sexual abuse "He forces himself on us, constantly hugging us and squeezing our breasts," the women write, describing the behaviour of their male supervisor. Health officials pick up quack from Thiruvottiyur Hours after officials from the health department and police rounded up a clinic in Thiruvottiyur to arrest a quack, they realised they had to be more smart, effective and plain fair to prevent the public health menace. Sambar from buckets packed on Chennai rail platform Photos, videos go viral on social media, railway orders inquiry More Chennai News»

		Ahmedabad
		5 injured in clash over old rivalry Then, they resorted to stone pelting and damaging vehicles.We. Patidar Anamat Andolan Samiti to launch fresh stir for Patel quota government which it said was "dragging its feet" on the issue. 29 fire outbreaks, 9 burn injuries in Ahmedabad on Diwali Fire department of Ahmedabad Municipal Corporation said. More Ahmedabad News»

		Allahabad
		Rangoli hues brighten Diwali Drawing colourful rangoli has always been the tradition and attraction of Diwali for the people.Rangolis of different shapes and sizes are drawn at the doorsteps to welcome Goddess Lakshmi. Special Task Force seizes 8.3 quintal cannabis, nabs two Now, cops on foot to keep city criminals at bay In a move that might transport the Sangam city back to the colonial era, Allahabad police is all set to reintroduce foot patrolling, which was essentially a practice from British rule, to keep criminals at bay. More Allahabad News»

		Bhubaneswar
		High alert in Odisha after Bhopal jailbreak Odisha Police on Monday sounded high alert across the state after eight terrorists of banned Students Islamic Movement of India (SIMI) escaped from Bhopal central jail early this morning. Civic drive for pollution-free Diwali celebrations in city To ensure a safe and environment-friendly Diwali, the Bhubaneswar Municipal Corporation (BMC) on Saturday embarked on an awareness drive. Rahul mediation fails to end feud in state Cong Prasad, Narasingha Camps Stick To Their Demands More Bhubaneswar News»

		Bhopal
		NIA to probe Bhopal jailbreak, four officials suspended Madhya Pradesh Govt to probe jail security, involvement of jail officials The Madhya Pradesh government has ordered to review security in jails across the state after the escape of eight SIMI activists from the high security area of Central Jail in Bhopal, on Monday. Bhopal jailbreak: ADG prison removed, ex-RAW officer Sudhir Shahi takes charge Sudhir Shahi, a 1988 batch IPS officer of Madhya Pradesh cadre, who spearheaded infamous Vyapam scam investigations, has been asked to take charge as additional director general of police as Sushovan Benarjee was shunted from the position following Monday’s jailbreak by SIMI activists. More Bhopal News»

		Chandigarh
		M N Sharma consigned to flames M N Sharma, the legendary creator of Chandigarh, was cremated on Monday.The mortal remains of the iconic figure of Chandigarh were consigned to flames with full state honours. Six-year-old boy sodomized A six-year-old boy was sodomized by a man known to the kid's family on Sunday.The incident took place when the boy returned home after playing with his friend. Woman dies, husband booked for dowry death A day after a woman died under mysterious circumstances at Lalru, three persons, including victim's husband, were booked for dowry death on Sunday. More Chandigarh News»

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