Suggest a topic

A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.

Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.

So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.

That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.

Thanks for reading – and writing!

{ 1556 comments… read them below or add one }

Akhil April 10, 2013 at 10:11 pm

Hi Manshu, Can you please do a post on investment from child perspective ?

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Manshu April 14, 2013 at 7:40 pm

I have done one post about it – you can find it here: http://www.onemint.com/2012/01/04/financial-planning-for-your-baby/

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V.Saraf April 13, 2013 at 2:04 pm

Dear Sir,
This is V.Saraf, a Web consultant at Consolidated Energy Consultants Ltd. Bhopal, India and am working on Web based communications for this reputed Wind consultancy organisation. I have gone through your website and found that it would be appropriate if you may kindly add name of CECL on that site. We shall be grateful for kind response.

You may like to browse its home site http://www.cecl.in. Working since 25 years.
Thanks,
V.Saraf.

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Manshu April 14, 2013 at 7:25 pm

The page that you are referring to has list of providers of energy and I think your company is in consulting so there is a difference, right?

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vasu b April 13, 2013 at 11:44 pm

thank you sir

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sankar April 14, 2013 at 8:34 pm

Can u please post on Preloaded Foreign currency [Dollar /Pound /Euro] Debit Cards issued by Banks to Indians while travelling abroad ?
After I returned back from USA I find there is a fradulent use though I am in India and the US $ loaded card has all along been with me.
I came to know when I went to reload for my next trip.
Took up the matter with my Bank Branch and made formal complaints including FIR, as advisd by Branch.
Bank is taking a long time and I NOW FEEL they are intentionally delaying investigation.
Whom can I approach for remedy to get back my money ?

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Harshit Shah April 17, 2013 at 1:42 pm

Hi,

First of all i would like to thank you to make this website which is guiding investor for better investing.

I need your support in understanding none aspect of insurance: Top-up premium in life insurance.

I have taken life insurance policy Kotak invest maxima with five years premium payment and 25 years policy term. I have invested first year premium of one lack rupees. I still have cash surplus which needs to be invested. As per policy document i am free to make top-up up to 10 X first year premium .ie. 10 lacks. There is no top-up premium allocation charge under this policy. The top-up premium shall be lock-in for five years. The top-up premium will require 1.1 to 1.25 times insurance cover.

My question is: What are tax implication if i invest 1 lack rupees additional as top-up and withdraw that amount after five years.?

My request to you is if you can post an article on “Top-up in life insurance it’s benefits and tax implication”

Thanks & regards,
Harshit Shah

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Manshu April 18, 2013 at 1:03 am

Harshit,

I have done a post on top up in medical insurance, and I am pasting the link here. I will look at top up in life insurance as well, and write a post about it.

http://www.onemint.com/2011/07/31/top-up-medical-insurance-policies-in-india/

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puneet arora July 2, 2013 at 12:35 pm

Greetings Sir, I’d suggest that you do an article on the badla system in the stock markets for greater clarity of the readers..

Thanks a lot!!
Puneet

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Anoop Ahuja April 18, 2013 at 8:55 am

What do you think about this?
PPFAS Long Term Value Fund
http://www.amc.ppfas.com/

I have been hearing a lot about this recently what are your views on this and how would you evaluate this Warren Buffet style of investing in Indian Markets. How successful do you think this would be from a Indian markets perspective

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Manshu April 18, 2013 at 8:36 pm

I honestly don’t see what the fuss is all about PPFAS Long Term Value Fund Anoop. It is an actively managed fund, and there’s no way to tell if the fund will do well except for seeing its performance for a few years. I really don’t have much to say beyond that.

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ramamurthy May 9, 2013 at 9:51 pm

What is an actively managed fund please? Is this an unique feature of this fund?

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Dilshad Billimoria April 19, 2013 at 1:11 pm

HI Could you pl delve more into REITs and how they function? What are the cost structures, returns, lock in periods and limitations.

Similar question on PMS schemes please.

Thank you!

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Manshu April 19, 2013 at 9:02 pm

Great suggestion – I will have a post on this topic soon.

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Anil Doshi April 19, 2013 at 3:11 pm

I am seeking your advice on the following information which I have relating to tax exemption:
1.Any one having total income upto Rs 5,00,000/- in a year can claim deduction of Rs 2,000/- in the return.
2. Saving Bank interest income upto Rs 10,000/- is exempt from income tax.
I shall appreciate receiving your advice.
Thanking you,
Anil Doshi

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Manshu April 19, 2013 at 8:56 pm

Yes Anil, you are right on both counts.

If your taxable income is less than Rs. 5 lakhs then you will have to pay Rs. 5,000 less as tax, and yes savings bank interest income is in fact exempt up to Rs. 10,000.

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Aditya Mahajan April 22, 2013 at 1:09 pm

Dear Manshu
With so many term plans flooding the market, I did not find any comprehensive comparison report or conclusive review of those on any of the financial portals. As I am a subscriber and follower of OneMint ,I would love you to take some time out and review the term plans in a rating from 1-10 for the N number of plans available.

Personally, my confusion is between buying HDFC Click2Protect vs Aviva ilife and the premium difference for 1 cr cover is 2000/- between the two for me. Please suggest.

Regards
Aditya

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Manshu April 22, 2013 at 10:02 pm

Dear Aditya,

This is an interesting topic, and I will have to think about how I can approach this – there are so many of these plans individually that I don’t know if I’ll be able to review each one of them individually, and will it be worthwhile as well because what factors do I look at except for claims payment data and cost. I’ll think about this, and do a post about it in future. But I’m fairly certain it will not be in as much detail as you’d like it to be.

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VikasG April 23, 2013 at 5:41 pm

Please post an article on safety deposit boxes in banks.
- how much of the contents are insured,
- what happens in case of fire/theft in the bank,
- relative costs of safety deposit boxes in various banks
- reporting requirements to tax authorities

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Manshu April 23, 2013 at 8:23 pm

I’ll try to do a post on it – thanks for the suggestion.

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Shashank K S April 25, 2013 at 3:45 pm

Hi ,
can you give your take on the PPFAS mutual fund by Parag Parikh ?

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ankurm April 26, 2013 at 7:56 am

Hi Manshu,

Recently, the scam relating to Saradha group’s fixed deposits was uncovered. Can you cover the topic of risks associated with company fixed deposits. As there could be many Saradha (after Sahara) in the making, raising money from public.

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Ams April 26, 2013 at 10:31 am

Manshu,
I am not sure if you have already covered this, but I thought a post on investment for kids would be very good for me and many more.
What I exactly mean by that is, what are ideal instruments like, MFs, Debt funds, insurances ( which I would personally not go for , but nevertheless if someone wants to go for ) and any other which one can go for to invest for kids for their future like marriage or education or any other.

Thanks,
Amit

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Manshu April 27, 2013 at 9:20 pm

I have done maybe one or two posts on this but perhaps not very comprehensive, I’ll try to do a comprehensive post on this.

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Nitin Kaim April 26, 2013 at 10:52 am

Hi,

I was reading the post ‘Difference between FDI and FII’ and a very fundamental question came to my mind .. How is FII helpful to the economy and country in general. I can understand they buying bonds which are helpful to the company but if they invest in shares they will just be fueling speculation and will be advantageous to only a handful of traders and speculators. I would request some views and expert comments on this.

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Manshu April 27, 2013 at 9:19 pm

FII brings in USD and that’s needed to fund our imports and that’s the biggest benefit of FII.

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santonu April 26, 2013 at 4:45 pm

On what basis business channels estimates the earnings of different companies and in maximum cases actual figure is in line with their estimation

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Manshu April 27, 2013 at 9:10 pm

Business channels don’t estimate earnings themselves, they are just showing you what analysts are estimating, and more often than not, analysts are estimating based on what companies guide themselves, trends and other assumptions.

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Sathvik April 28, 2013 at 9:06 am

Hi,

Since CAD is in news lately,
Can we go through in detail what actually constitutes the current account and capital account.
Foreign exchange reserves.
What factors constitutes domestic currency fluctuations.

Regards,
Sathvik

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Manshu April 28, 2013 at 4:38 pm

My post on Balance of Payments has details on what constitutes current account and capital account. You can find that here:

http://www.onemint.com/2012/05/27/what-is-balance-of-payments-bop/

Why is Rupee falling? has my thoughts on INR depreciation.

http://www.onemint.com/2012/05/21/rupee-slide-is-a-symptom-not-a-problem/

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Sathvik April 28, 2013 at 8:30 pm

Thank you very much Manshu. It was great, quick and very helpful.

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Rahul April 30, 2013 at 6:39 pm

Hi Manshu,

Read your article “Beginner’s guide to investing in Stock Market” and found it very insightful. However, me and many of my kinds who have turned 30 and have not started investing anything yet, how do you think we should start investing? Basically, the problem is we don’t know where to start except for savings or fixed deposits. How do we start?

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Manshu April 30, 2013 at 8:13 pm

It is an interesting question Rahul. I think I have addressed this elsewhere in parts, but perhaps it will make sense to do a full post on specifically this topic as a lot of my other friends have asked similar stuff as well.

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santonu May 1, 2013 at 11:12 am

Can ITC chang e its brand name now as the company is engaged in diversified business activities. What’s your view?

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Nitin Kaim May 2, 2013 at 9:14 pm

Hi, actually ITC has already done that long time back. When they got rid of the dots from ‘I.T.C’ and became ITC, it meant there is no expandable full form of the company. ITC was established in 1910 and this name is so well entrenched that it did not make sense to change it.

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Manshu May 2, 2013 at 10:22 pm

Are they planning to do that? I wasn’t aware of that. I think they can do that because most of the products they sell are huge brands on their own and don’t really need the ITC brand to strengthen it. This is probably a good idea to do a post on umbrella branding. I’ll see if I can do that.

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Sunshine May 2, 2013 at 10:16 am

Hi
I am sunshine. I want to know about online banking and using about paypal …?

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Umesh May 2, 2013 at 10:28 pm

Hi Sunshine

What you want to know about online banking. Please elaborate a little.

If want to start online banking then visit your home branch of the bank, do the required paperwork, get password and thats all.

Want to know how to do it etc
Then SBI has a very good webpage on “How do I”
https://www.onlinesbi.com/personal/sbijava/howdoi/prelogin/retail_hdi_sbi_base_prelogin.html

Also, you can get demo procedure (video) etc. on the HDFC Bank website

You yourself is a techie (visited your blog, a good one) so it wont be difficult for you to follow and understand whole procedure and steps.

Any more queries, then post them here, will try to answer.

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Anurag May 2, 2013 at 11:29 pm

Hi,
I have query as to how you manage all your transactions(stocks/MFs buy and sell) in writing for taxation purposes. I am salaried person and I file my tax returns myself. Now how to prepare accounts so that i am able to properly keep records which would be valid and can be used for legal purposes(Read IT Dept).. IT dept has knack at going behind for Tax Notices on salaried ppl(even when politicians just roam free :) ). I want to do all accounts properly. (Long term gains/Losses caryy forward year after Year etc). I believe this can be informative to lot of people reading this blog..

Thanks/Anurag

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ramamurthy May 3, 2013 at 9:43 am

I do it like this.My wife and I both are independent assesees and have different Bank Accounts.All our transactions are thro bank.
I have following Excel files for each of us.
1.Bank Statement where all bank transactions are recorded showing all receipts and payments which is a replica of bank Pass Book containing more details of transactions.eg if I purchase some shares this file will show the Name of the Company,No of shares purchased as per contract notes,Cost. Even when actual money is not involved like
simultaneous sell and buy transactions are recorded here.
2.Company/Fund house wise all transactions (Buy,Sell, Balance,Rs) are recorded in this.The Rs part of this files are linked with the Bank statement referred to above
The Income Tax returns are prepared from this source data.
This is how basically I go about.Any suggestions please?

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Sathvik May 5, 2013 at 8:48 pm

Hi Manshu,

Please consider the below institutions,

Non banking financial institutions, Non banking financial companies, other financial institutions, commercial banks, Non banking financial companies-micro finance institutions (NBFC-MFIs)

With regards to the above institutions, can you please explain the following.

The differences between them
The regulatory body for each of them
Conditions to start each of them
Functions of each of them
Whether each of them have to deposit funds with RBI (CRR)
and other suitable features which distinguishes each of them.

Regards
Sathvik

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santonu May 6, 2013 at 11:00 am

Sir can you write details how shares/stocks were transacted at stock exchanges before computerization of the system . I think at those days mostly floor trading was done. alos elaborate how seetlement eas done at that time

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Ramamurthy May 6, 2013 at 1:11 pm

Excuse me please,santonu.Unless you want to write a history of Indian Stock exchange or attempting to write an exam,I wonder what use is this info in your investment life.

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hari.haran May 6, 2013 at 9:14 pm

Dear Manshu,

The current issues rocking the indian parliament are the Coalgate scam and the 3G spectrum. Can you please elaborate on the same.

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Rajan May 9, 2013 at 5:07 pm

How the rate of dollor to rupee is decided?

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Rajan May 9, 2013 at 5:10 pm

Also, How it matters if exchange rate of dollor is more? why we have to bother about it?

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VikasG May 12, 2013 at 3:52 am

Could you talk about the security of demat accounts in India? Can something like what happened at MFGlobal (Jon Corzine) happen in India? What happens when sharekhan’s or NSDL’s data center catch fire or is hacked by the chinese and all records of demat accounts are destroyed? If your broker (e.g. sharekhan) goes bankrupt, can the authorities come after the customer’s account?

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sankar May 12, 2013 at 12:06 pm

Persons of Indian origin settled in USA / UK holding Passports of respective countries wanting to invest in Indian Blue chip cos. directly and not through FIIs.
Can they open DEMAT a/c with Resident Indian relative as Second /First holder ? If not how can they invest in Indian Equity Market ? Many of us would like to hear your valuable comments.

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abhishek May 20, 2013 at 2:28 pm

Sir
I have designed a plan for human waste treatment.
This plan will produce bio-energy and bio-manure from waste.
It will produce 1,000,000 m3 gas in city of 1 million people yearly.
Cost of production is much less than any other source.
Construction cost is less than thermal plant.

For more details call me +919876462273

Abhishek gupta

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Vivek May 22, 2013 at 10:16 am

Hi Manshu,

I was looking for something related to financial planning for older parents in the age group 50-55, could not find anything interesting. Someone whose current investments are mainly in bank FDs, NSC, PPF only. Should he invest in mutual fund/ETF now?

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Ramamurthy May 22, 2013 at 1:27 pm

Why not?What are the problems you envisage?Loss of Capital?Afraid to take any risk?

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Manshu May 22, 2013 at 8:46 pm

Hi Vivek,

Mr. Ramamurthy is perhaps the best person to do such a post, sir do you have the time to do a post on this topic with your experience and insights? I’m sure it will be useful for a lot of people.

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Ramamurthy May 23, 2013 at 9:48 am

Thank you Manshu.I hesitate to offer any investment advice to others.So far my investments have produced good(not at all spectacular) results.I am 80+. So my post may not benefit or liked by persons in the age group 50-55.
What I would suggest Mr.Vivek is to get advice from financial web sites like Valueresearchonline,Economic Times,Hindu Business line etc. They all have “Ask Advice” features.But while seeking advice he has to furnish more particulars like
1.His present financial net worth
2.Family commitments
3.Has he any specific targets to meet?
4.Is he living in his own house .
5.Does he want totally risk free investments?Etc Etc

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Vivek Atal May 23, 2013 at 1:20 pm

Thanks Mr. Ramamurthy, Will Look Into Those Websis

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Manshu May 23, 2013 at 8:22 pm

You are wise, and have managed your money well. I’m sure we can learn from your example, ultimately it is for people to decide which parts of your style they want to follow, and the onus is on us but just to hear out your plans will be good.

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Ramamurthy May 23, 2013 at 10:01 pm

Oh God I certainly am not wise.I have just followed some suggestions from wise guys like you.My investment decisions are very ordinary and please dont expect much.
OK for whatever it is worth I will tell how I went about it.
So far I have just offered my queries and comments in One Mint and you are now asking me to do a post.I will do it.But please tell me how I go about it.Shoud I just send an E Mail to you or is there any other means of doing a post in ONE Mint.Now you can judge my wisdom.I dont know how to do a post. I have come running to you for guidance!!!

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Pravimal Abhishek May 22, 2013 at 5:43 pm

Can you please explain how an Infrastructure Debt Fund works?

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Manshu May 22, 2013 at 8:43 pm

That’s a good suggestion, I don’t think there are many details about this right now, but I will try to do a brief post with whatever is available.

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Rajeev Srivastava May 22, 2013 at 6:06 pm

Hi Manshu,

I am curious to know about implications of bonus issue of shares. Is there any existing post on this at onemint?

Rajeev

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Manshu May 22, 2013 at 8:41 pm

Hi Rajeev,

No I don’t remember writing anything about the implication of bonus shares…it is an interesting topic, I will do a post on it shortly in the future. Thank you!

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Payal Nanavati May 23, 2013 at 10:57 pm

Hi,
It will be nice to know the reason why gold is falling and what is the future of gold for this year.
Thanks,
Payal

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rajan panchal May 25, 2013 at 9:26 am

hi,
can you show with an example that how to do analysis of a company to see whether it’s stock is worth buying or not…
a complete example will help us to get going…

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Mac May 26, 2013 at 4:01 pm

I believe when individual issues a cheque the default validity of the cheque is 3 months from the date of issue.
Can an individual reduce this validity by mentioning “Valid Until 01-06-2013” on cheque?

Regards,

Mac

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Ramamurthy May 26, 2013 at 4:33 pm

I do not know about the law on this issue.Suppose you dont want your cheque to be encashed at all but yet you are required to issue a cheque. You can specify a condition
which the drawee cannot perform.Say you date your cheque 25-5-2013 and say valid till 26-5-2013 and post it on 25-5-2013.For this reason I think the law has specified the limit of 3 months.I have practical examples which some dubious companies employ in despatching interest warrants.The date of the cheque is several days behind they actually post it just to gain time for them to arrange for the funds.

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Nailesh May 27, 2013 at 2:22 am

Hi Manshu,

Thank you for taking the efforts to run a really useful website. I would suggest you to write an article on the 0% interest consumer finance model that is successfully run by companies like Bajaj Finserv. If you calculate their EMI breakup, there is no additional charges on the surface ? How do they make money ? Stats state 1 out of every 5 flat panels sold are through consumer finance.

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VikasG May 28, 2013 at 10:17 pm

Hi Manshu, Some more topics to explore:

1) List of banks in India which offer creating and breaking of FDs through
internet banking.

2) List of banks which offer free demand drafts for customers.

3) List of banks that have facility of zero balance for savings accounts
customers even those that are above poverty line.

Thanks.

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Manshu May 29, 2013 at 2:06 am

Very boring topics buddy :-) Useful I’m sure, but very tedious to collect…

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sankar May 29, 2013 at 11:57 am

Can you make a post on fradulent use of DEBIT CARDS by overseas scamsters and appealing authority in India or MASTER/VISA Autorities ? SANKAR.

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sankar May 29, 2013 at 11:57 am

Can you make a post on fradulent use of DEBIT CARDS abroad by overseas scamsters and appealing authority in India or MASTER/VISA Autorities ? SANKAR.

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ganesh May 29, 2013 at 3:31 pm

I have purchased a credit card from SBI Chennai in my son’s name, who is just out of college ( for educational purposes).
I had asked for only Rs 50000/= as limit. They took one FD in his name for a sum of 1,50,000/= and arbitrarily increased his limit to 1,25,000/=. I had been requesting them to reduce the limits to the level I had requested. But they are delaying it for reasons better known to them. Practically no action is being taken.
Tell me whom to report since nothing happens at branch level. OR is it better to surrender the same.

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Shiv Kukreja June 10, 2013 at 11:22 pm

Hi Ganesh… You should write a mail to the customer care team of the SBI credit card division to reduce the limit of your credit card and keep the history of this complaint with you for future use.

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Manish June 5, 2013 at 7:00 pm

Dear Manshu,

Request you to write a topic on “efficient frontier”though i read the same somewhere else but i think u will enhance the same topic in a much better way.

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G V Appaji Rao June 10, 2013 at 6:51 pm

Is it wise to invest in Unitech fixed deposit scheme?

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Shiv Kukreja June 10, 2013 at 11:17 pm

Hi G V Appaji Rao… It is better to invest your money with some credible companies/banks. Some people have faced problems in getting their money back with Unitech in the past.

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nagu43 June 23, 2013 at 6:45 pm

I have few questions, haven’t come across post on these topics, Pls share links to post incase I have missed.
What’s wrong with Indian Economy
Why is Indian GDP low than that of other developing countries
Does stoping gold import will improve Indian Economy
Why is rupee depreciation continuing, what would help rupee to gain

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A C Doshi June 24, 2013 at 2:44 am

Dear Sirs, I want to know that when Corpus fund is disbursed to the individual members during redevelopment of the housing society building, whether the corpus fund is treated as long term capital gain or under any other head for the purpose of income tax.

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B Dinesh Murthy June 24, 2013 at 8:39 am

Hi Sir,

Recently Mr. Raghuram Rajan(Fin Sec) said that govt. is not short of any measures to curb the falling rupee. I am to consider, that Monetary stabilization is prerogative of the RBI with its quantitative/qualitative/ conventional/non-conventional ways to check money flow.
Would be a great help if you could enlighten on what are the govt. measures to check money flow, also i had seen of capital control by govt. in few non coherent sites(couldn’t understand).

Thanking you in anticipation
Dinesh

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Rohan Kothari June 24, 2013 at 5:46 pm

Could you please write about MLM schemes scam in India ? Especially on QNet

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Sushila June 27, 2013 at 4:20 pm
Mihir June 27, 2013 at 11:47 am

Enquiry about loans from bajaj capital at 5% rate of interest.

Hi all, I am posting a topics after long. My PC is down and hence typing through phone… plz forgive for any typos.

Since last 2 weeks I am getting phone calls from sales executive from bajaj capital. The agent claims to provide loans for an interest rate of 5%.

All tht one has to do is buy a bajaj alliance policy for a premium amount of 10% of the value of the loan required. For 10lacs of loan required one has to buy a single premium policy with premium of 1 lac.

5hen these guys would internally make themselves the policy nominee (both being bajaj entities)as a security and disburse the loan amount.

this offer seems very attractive, and there has to be a catch to it. which is not being revealed. however though at 5‰ interest rates it seems to be too good to be true.

I tried calling Baja capital Helpdesk no, they gave me their delhi HO no., which no one responds to.

I thought to bring it on this forum to know your views, opinions and advice on this.

this could be a boon to a needy, or it could be a con or a misinformed investment trap.

Please suggest.

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Umesh June 27, 2013 at 12:05 pm

An offer that seems too good or to attractive should be thoroughly checked/investigated.
There may be/should be some catch.
Otherwise in this time of high interest rates no one is going to give loan @ 5%

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sandeep June 27, 2013 at 12:17 pm

I have also heard about this type of product from birla finance and when i enquired about such type of product from internally from birla i got there are no such type of product released by the Company.

Can somebody more explain on this.

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Manshu June 27, 2013 at 5:54 pm

I have not heard of anything like this and it doesn’t sound like a real offer to me. I can create a post out of this question, and see if anyone else has got such offers and what their experience has been. Like others, my first reaction is to stay away from any such plans.

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Mihir June 27, 2013 at 6:30 pm

Manshu, That is a great idea!

I believe more people would want to know about the truth of such schemes, may want to benefit from it or stay away as per their situation. This would be helpful to all of the audience. Please create a post for this.

I have also asked the person to call me on friday evening to discuss more. The person has tole me the process would be online(raises more suspiscion) and documents need to be sent to a Bajaj Capital office in Marol, Andheri, Mumbai. This gives some assurance that it may not be a con, but still need to discover the catch.

Will keep all posted

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Mihir July 3, 2013 at 1:07 pm

Spoke to the guy on Tuesday,

Just to make it easy for him. I told him I am interested. The agent kept on confirming that there are no hiddend charges!

One has to buy a bajaj Allianz policy and use it as a security to take up the loan, when I constantly asked him to share Terms and conditions (To make sure this is not a fraud) he asked me to goto: http://www.bajajfinservlending.in/salaried-personal-loan.aspx

However I had to pull away myself for a meeting. So I gave him my frnds no. as reference, that friend of mine works with acturial dept of an insurance company.

SO he may get more info. :)

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Kedar July 3, 2013 at 4:33 pm

Hey!

I too got a call from reliance capital today, the person said that they will give loan at 0%!!!!

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Vivek July 4, 2013 at 9:41 am

I also got a two calls from reliance capital offering a loan at 5% interest rate a week or so back. I thought it is too good to be true and told them to not to bother me with any personal loan offers as my mobile number is registered with DND. I did not ask for any offer details.

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Manshu July 4, 2013 at 5:38 pm

I think the link Sethu shared from Moneylife is very good and you guys should read it and stay away from this loan / policy thing.

http://www.moneylife.in/article/exclusive-reliance-life-refunds-rs60000-in-a-suspicious-transaction-another-moneylife-success/33458.html

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SAWAN July 8, 2013 at 3:39 pm

They may be offering 5% loan at simple interest rate and not on reducing balance. The actual interest rate will be much higher when compared with reducing balance interest rate of 5%. Banks usually offer loans on reducing balance interest rate. finance companies usually fool people this way.

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Manshu July 8, 2013 at 8:41 pm

That is a good point, though in this case I feel the company itself is not giving out any loans, there are some agents that are doing it without the authorization of the company, and it is not legit.

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Sushila June 27, 2013 at 4:33 pm

Request some write-ups for the people with disabilities;

What special benefits are available to them and how should they go about it? for e.g
Taxation (Professional/Income/Gift/Service)
Medical (Free/subsidized/special cases)
Travel (Concessions/special arrangements)
Education (concessional loans/subsidy/courses/institutions)
Housing…..
Investments…..
Banking…….

There are many disables who do not know their rights and hence struggle in life, we hear and read a lot about senior citizens.

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santonu June 28, 2013 at 8:06 am

can you explain the breaking out level of a stock , whether does such level exist or it is only a hype

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Manshu June 28, 2013 at 8:24 am

It is a term used by technical analysts and I’m not familiar with what it means since I’m not a trader or even remotely interested in that.

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Mihir June 28, 2013 at 3:34 pm

Investopedia explains ‘Breakout’
In practice, a breakout is most commonly used to refer to a situation where the price breaks above a level of resistance and heads higher, rather than breaking below a level of support and heading lower. Once a resistance level is broken, it is regarded as the next level of support when the asset experiences a pullback Most traders use chart patterns and other technical tools such as trendlines to identify possible candidates that are likely to break through a support/resistance level.

A breakout is the bullish counterpart to a breakdown.

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Nirmal July 2, 2013 at 12:37 am

What are the effects of inflation on financial planning?

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rajan b July 2, 2013 at 11:57 am

is there a comprehensive listing of the book-closure dates for determining interest payout with respect to all the recently launched tax free bonds of Hudco,REC,PFC, IIFCL, etc. Most of these tax free bonds were issued in 2012/2013. I had invested in the REC bonds Tranche 1 issued in m march 2012. i am yet to receive the annual interest.

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Arun Satish July 2, 2013 at 3:51 pm

Dear Manshu,

Can you explain whether the US will never get into debt as it can print as many dollars as it wants as most countries reserves are in dollars?

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