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!
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Hi Manshu, Can you please do a post on investment from child perspective ?
I have done one post about it – you can find it here: http://www.onemint.com/2012/01/04/financial-planning-for-your-baby/
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.
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?
thank you sir
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 ?
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
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/
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
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.
What is an actively managed fund please? Is this an unique feature of this fund?
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!
Great suggestion – I will have a post on this topic soon.
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
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.
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
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.
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
I’ll try to do a post on it – thanks for the suggestion.
Hi ,
can you give your take on the PPFAS mutual fund by Parag Parikh ?
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.
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
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.
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.
FII brings in USD and that’s needed to fund our imports and that’s the biggest benefit of FII.
On what basis business channels estimates the earnings of different companies and in maximum cases actual figure is in line with their estimation
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.
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
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/
Thank you very much Manshu. It was great, quick and very helpful.
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?
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.
Can ITC chang e its brand name now as the company is engaged in diversified business activities. What’s your view?
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.
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.
Hi
I am sunshine. I want to know about online banking and using about paypal …?
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.
Hi,
). 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..
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
Thanks/Anurag
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?
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
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
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.
Dear Manshu,
The current issues rocking the indian parliament are the Coalgate scam and the 3G spectrum. Can you please elaborate on the same.
How the rate of dollor to rupee is decided?
Also, How it matters if exchange rate of dollor is more? why we have to bother about it?
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?
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.
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
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?
Why not?What are the problems you envisage?Loss of Capital?Afraid to take any risk?
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.
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
Thanks Mr. Ramamurthy, Will Look Into Those Websis
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.
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!!!
Can you please explain how an Infrastructure Debt Fund works?
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.
Hi Manshu,
I am curious to know about implications of bonus issue of shares. Is there any existing post on this at onemint?
Rajeev
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!
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
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…
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
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.
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.
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.
Very boring topics buddy
Useful I’m sure, but very tedious to collect…
Can you make a post on fradulent use of DEBIT CARDS by overseas scamsters and appealing authority in India or MASTER/VISA Autorities ? SANKAR.
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.
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.
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.
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.
Is it wise to invest in Unitech fixed deposit scheme?
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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