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| September 28, 2007 | | Credit cards: My nightmarish experience
We aksed Get Ahead readers to send us their experience of using credit cards and debit cards. Here are a few responses that list the advantages and disdavantages of using both the types of plastic cards.
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| September 27, 2007 | | How to take advantage of the cut in home loan rates
Do you feel cheated when your bank reduces floating home loan rates for new borrowers without thinking much about the existing ones? What should you do then? Is there any legal recourse that you can seek?
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| September 26, 2007 | | How to read your mutual fund statement
Most mutual fund investors fear their monthly statement that teh fund houses send them. Here are a few things that can help you read your MF statement to your satisfaction.
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| September 25, 2007 | | Do you need a financial planner at all?
Financial planners only give advice for which they charge their clients a handsoem amount. But do clients gain anything from their advice. Uma Kannan takes potshots at the modern-day breed called financial planners.
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| September 24, 2007 | | Want to get married? Pay your bills on time
Credit bureaus keep a track of all your bills. Be it credit cards, phone bills, or EMIs. They have all in their records. If you ahve a good credit history you get rewarded for it in terms of low cost loans otherwise you may not even get a loan.
Financial planning for the young
Are you young and into your first job? Do you know how to begin with financial planning? What would be the best investment avenues for you to begin with? Get Ahead financial planning expert Vetapalem Sridhar answered these queries.
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| September 20, 2007 | | Salaried employees and their tax issues
Are you a salaried employee and a bit confused by how much tax your employer is deducting at source from your salary? If at all tax is deducted at source, do you know how to plan to save taxes? Get ahead tax expert has the answers.
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| September 18, 2007 | | Want to take action against your errant stock broker?
Are you not getting proper service from your stock market broker? Do you have complaints against him or any mutual fund? Here's how you can seek action against the errant brokers and mutual funds.
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| September 17, 2007 | | 'I have seen the ugly side of credit cards'
We asked Get Ahead readers to send in their opinions on the credit card vs debit card debate. Here are a few interesting and harropwing responses from readers about their credit card experiences.
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| September 14, 2007 | | Why you LOSE money in the stock market
Stock market investors are always overwhelmed by fear and greed. That is the reason why most of them end up losing money. However, long-term investment can help them make some money.
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| September 12, 2007 | | The pros and cons of personal loans
Personal loans are often referred to as all-purpose loans. They come in handy for purchases for which you may not have ready cash. Here is a detailed why and why not of personal loans.
How home loans help you save taxes
The average age of person/s having own residential homes has come down from 42 in 2000-01 to 31 years in 2006-07? Do you know how this has become possible. Tax sops on home loans is the biggest catalyst to begin with.
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| September 10, 2007 | | Top 10 ELSS funds: Save tax, make money
Here's a list of Top 10 ELSS funds in terms of percentage gain in the last one year till September 7, 2007. These funds not only help you make money but also save taxes as per Section 80C.
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| September 07, 2007 | | What is short-term capital gain?
Do you know what short-term capital gains tax is? When do you have to pay this tax? Is it different for shares and other physical assets?
Investing in real estate? Issues to consider
You should invest in real estate, if it is fitting well within your overall investment strategy to reach your financial goals. However it is recommended to consider certain aspects before jumping into it.
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| September 06, 2007 | | How to save tax and make money
Is there a way by which you can save tax as well as make money? How do you go about doing it? Get Ahead tax expert Mahesh Padmanabhan has the answers.
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| September 05, 2007 | | Tricks to pick the right shares
Picking a good stock is combination of two things: you want to pick a well-run and profitable company but you also want it at a good price. Here's how you can use PE and PEG ratio to pick good stocks.
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| September 03, 2007 | | Financial planning for the young
In a chat with get Ahead on August 31, financial planning expert Vetapalem Sridhar tells young readers about how to go about investing and creating wealth for themselves in the long term.
'Credit cards are like dogs -- faithful'
We asked Get Ahead readers to send in their experiences about using credit cards and debit cards. Here are a few responses.
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| August 28, 2007 | | 'I don't think about the outcomes'
Fidelity Equity Fund and Fidelity Tax Advantage Fund's manager Sandeep Kothari speaks about his investment philosophy and how he overcame the most difficult phase of his career.
Best options for saving your tax
Get Ahead tax expert Mahesh Padmanabhan tells readers about the best options to save taxes in a chat on August 21.
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| August 24, 2007 | | The best and worst mutual funds
Here is a list of the best and the worst mutual funds over a period of 1-year, 2-year, 3-year and 5-year return category.
How to gain financial freedom
What is the right age to start planning for achieving financial freedom? Where should young people invest to become financially free? Wealth management expert Sanjiv Mehta in a chat on August 17 with Get Ahead readers answered these questions.
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| August 23, 2007 | | Monthly savings = financial freedom
Is it possible for you to achieve financial freedom in your lifetime? Can saving a small portion of your monthly income help you achieve this? Wealth management expert Sanjiv Mehta believes so.
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| August 22, 2007 | | First time investor? Opt for a mutual fund SIP
Are you a first time investor? Do you have low risk taking capacity? If yes, then mutual fund SIPs are the best option for you believes mutual fund expert T Srikanth Bhagavat.
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| August 21, 2007 | | 5 good mutual funds for the long term
Should you invest in mutual funds for the long term or the short term? Should you have a look at a mutual fund's rating before investing money in it? Which are the best mutual funds available today that can give you good returns? Expert's tips.
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| August 20, 2007 | | Going for an education loan? Read this
Are you going for an education loan? If yes, then here are a few tips that you must keep in mind while negotiating with your loan lender.
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| August 17, 2007 | | 'Credit cards are silent killers'
We asked Get Ahead readers to send in their opinions on the credit card vs debit card debate. Here's their take on the advantages and disadvantages of credit and debit cards and the problems they faced after using their credit cards.
Can two brothers take a joint home loan?
Home loan expert Harsh roongta answered home loan queries of Get Ahead readers. Here's the chat transcript for those who missed the chat.
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| August 16, 2007 | | You can STILL make money in stock markets
Indian equity markets have been very volatile off late. Can you still make money in stocks? Wealth management expert Sanjiv Mehta thinks so.
Home loans: 'Avoid a mix of fixed and floating'
If floating rates are too risky for you then should you go for a mix of fixed and floating rate of interest on your home loans? Home loan expert Harsh Roongta answered your home loan queries on August 14.
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| August 10, 2007 | | Going in for a home loan? Read this
Most first time home loan borrowers have no idea about how to bargain for one. Here are a few important things that you should watch out for while bargaining for a home loan.
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| August 08, 2007 | | How to save taxes beyond Section 80C
Get Ahead tax expert Mahesh Padmanabhan, in a chat with readers, told them how they can save taxes apart from availing of limit set under Section 80C.
Is investing in a micro-cap mutual fund risky?
S Nagnath, President and CIO of DSP ML Mutual Fund says that he is bullish on the real estate sector. He also explains his logic behind starting a micro-cap fund and why investors can put their money in the same.
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| August 07, 2007 | | How fund managers pick stocks for YOU
S Nagnath, President and CIO of DSP Merrill Lynch Mutual Fund in an extensive interview talks about his fund's investment strategy, his team of fund managers and why some of his company's funds have a huge portfolio of 50 to 60 stocks.
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| August 06, 2007 | | Auto loans: 'Consumers should wait and watch'
The RBI has announced its credit policy last week and auto financiers believe that consumers should 'wait and watch' before the interest rates on auto loans settle down.
'Credit cards are sugar-coated poison'
We asked readers to send in their opinion on the advantages and disadvantages of credit cards and debit cards. Here's what four GA readers have to say about the subject.
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| July 31, 2007 | | Dogs of the Sensex: A great stock picking strategy
The Dogs of the Sensex stock picking strategy is based on the Dogs of the Dow theory. The latter has outperformed its benchmark index, the Dow Jones Industrial Average, for the last 46 years.
Theme funds are risky, but they can make money
Investing in a thematic mutual fund that invests in a theme like 'infrastructure' or 'consumption' isn't without its pitfalls. Here's a checklist that you should run through before you put your money in such funds.
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| July 30, 2007 | | Tempted by a theme fund? Listen up
As an investor, must realise is that your current funds may have sufficient exposure to the very sector and stocks that the theme is espousing.
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| July 27, 2007 | | Not yet filed your tax returns?
Tax expert Mahesh Padmanabhan answered tax-related queries on the eve of the July 31 deadline to file tax returns.
FAQs: All about plastic money
Do you know about the different types of plastic money available in the market today. Here is an FAQ on the most popular plastic cards used in India.
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| July 26, 2007 | | Have you filed your tax returns?
Are you scared of the penalties that will be levied if you fail to file your IT returns before the July 31 deadline? Can't you file your returns after July 31? If yes, then what are the penalties? Tax expert Mahesh Padmanabhan offers some advice.
Debit vs credit cards: Take your pick
Do you know what are the pros and cons of using a credit card and/ or debit card? Here's a simple take on which is better and which is not.
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| July 19, 2007 | | How to teach your kids the value of money
Teaching your kids the value of money should be fun. Here are six ways in which how you can inculcate the value and importance of money in them.
Want to know what's your credit rating?
Have you always paid all your EMIs without defaulting? Or have you defaulted on your dues on a number of occasions? Is there any way by which you can get to know your credit rating?
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| July 18, 2007 | | Are you in a debt trap? Here's help
Have you run into a debt trap becasue of your over-indulgence with credit cards and personal loans? Here are a few ways that can help you to get out of this debt trap.
Tips to avoid common insurance mistakes
It is human tendency to expect returns if you are paying money to buy insurance. However, insurance is not investment. Here are some tips on the mistakes to avoid while buying insurance.
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| July 12, 2007 | | How to survive in an expensive city
If you think that surviving in an expensive city is next to impossible, then here are afew simple tips that will help you do just that.
Why you must file your tax returns
Tax and financial planning expert Mahesh Padmanabhan advises that it makes sense to prepay your home loan if you have surplus funds.
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| July 11, 2007 | | Five good ELSS funds to save your taxes
Do you know of some good equity linked saving schemes that will not only help you save taxes but give decent returns. Get Ahead tax expert Mahesh Padmanabhan tells you about these and how to plan to save your taxes.
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| July 10, 2007 | | Are you being conned into buying insurance?
Is your insurance agent trying ti sell you an insurance productthat is of no benefit to you? Here are the tricks of their trade and how they con you. Beware!
SIPs: Is gradual withdrawal a good strategy?
Mutual fund expert T srikanth Bhagavat told Get Ahead readers about what to do with their SIP investments in mutual funds, now that the stock markets are once again at their peak.
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| July 09, 2007 | | Sensex high: Can you still make money in stocks?
The Sensex has yet again touched a new high on July 6. In this regards, is their still value left in the stock markets? Can you still make money here?
5 mutual funds that can make you RICH
Pru Dynamic, Reliance Diversified Power Sector Fund, Pru Services Sector Fund/ Infrastructure Fund, Templeton Prima or Reliance Growth Fund can give you high returns in the next 3-5 years feels mutual fund expert T Srikanth Bhagavat.
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| July 04, 2007 | | The best investment options for YOU
As an investor you are spoilt for choice as far as investment options are concerned. Wealth management expert Sanjiv Mehta tells you about the best investment options available.
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| July 03, 2007 | | Have mutual funds become a risky investment?
The stock markets are at an all-time high. In such a situation, is it safe for you to invest your money in mutual funds? Wealth management expert Sanjiv Mehta says you can still bet on mutual funds.
The secret to financial freedom
If your investments are spread across the right assets, it helps you to create wealth for the long-term.
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| July 02, 2007 | | How to secure your financial future
If you are interested in a future filled with financial security, wealth management expert Sanjiv Mehta has a few valuable tips for you.
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