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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Life Insurance Needs for Mothers

In modern society, women have excellent careers and are equally responsible for the welfare of their families. Eventhough women play an important role in the families; many of them are still under-insured or uninsured. Once they become mothers, several women opt to stay at home to take care of their children. Some are single mothers who have the entire responsibility of managing their homes. Irrespective of whether a woman is a working, single or a stay-at-home mother, the necessity of insurance coverage cannot be disputed. Here are some reasons why mothers should avail insurance coverage ·      Income replacement A working mother...
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1 Lakh Personal Loan

These days, many people have a monthly income of Rs 1 lac. Hence the charm that this amount had earlier no longer exists. This also points towards the reduction of value of money.  Nevertheless, when it comes to personal loans too, Rs 1 lac is the most popular amount that is requested by the borrowers. And since its not much compared to monthly salary of many individuals, people don’t hesitate in taking Rs 1 lac personal loan whenever there is a need.  Now personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Unlike...
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Financial and Tax-saving Planning for New Employees

Experts advise people to commence financial planning at the start of their careers. The biggest benefit of starting at an early age is to maximize the advantage of compounding. This compounding effect goes a long way in wealth creation. Several people are confused on how to plan for their financial goals and tax-savings. There are a large number of available options that can be chosen from, which further increases to the confusion. Presently, the tax structure in the country is favourable for the long-term investors. Based on this, investing in the national pension system (NPS) is a prudent choice. This is...
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Should you invest in EPF, PPF or in NPS?

  Employee Provident Fund (EPF) withdrawals are proposed to be taxed as per the Budget 2016. Under the proposal, 60% of the EPF corpus accumulated from investments made from 1st April 2016 will be taxable. This move has resulted in widespread confusion, bringing retirement plans in India under the spotlight. Since the announcement, the government faced pressure to withdraw the provision. The Finance Minister clarified that taxability of the EPF was not aimed at increasing government revenues. The focus was on making the country a pensioned nation. Moreover, investors will not have to pay any tax if the corpus is reinvested...
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Are You Comparing Car Insurance Quotes Smartly?

Car insurance is one of the smartest moves that should be taken immediately after you drive your luxury home. It is treacherous to drive a car without getting it insured as distress and troubles related to it can surface at any moment. This often leads to heavy loss and asset deformation. Car insurance is the savior in such cases, through which you can get everything done right from all sorts of minor to major cases. Insurance policies offered by various companies in the market are featured with their own pros and cons, so it is advisable to go in subtle detail...
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5 Considerations to Finalize Your Family Health Plan

Every individual in a family strives to make life easier for his or her loved ones. While most people do the obvious by investing in savings for the future and life insurance, a large number of individuals do not give as much importance to health coverage. Have you considered the financial implications in case any member of your family has the misfortune of suffering from a critical illness? Medical costs are rising rapidly, making it increasingly difficult for families to afford the high costs of health care. Family health insurance policies have therefore become increasingly important, as Indians try to cope...
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How to Get a Home Loan?

For most people, buying a house is the biggest financial decision of their lives. And since it’s the biggest decision due to large amounts involved, most people end up availing home loans to realize this dream. Lenders are more than willing to give money to potential home buyers as retail home loans are among the safest loans for lenders too.   But before you apply for the home loan, you need to understand how to get a home loan and also do your homework thoroughly.   The very first thing to ascertain is the amount needed. Now you might want to purchase a house worth Rs 30 lacs. But generally,...
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Tips to Get a Perfect Marriage Loan

They say that marriages are made in heaven. But they don’t tell that cost of marriages is to be borne here on earth. But jokes apart, managing the finances of a wedding in India can be a stressful task. No matter how much one plans and prepares for the marriage, its possible that costs and expenditures will be underestimated. It’s easy to say that one should save hard, prioritize expenses and stick to a plan. But in reality, it’s tough to stick to budgets when it comes to the biggest day of most people’s lives. There is no fixed number that...
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Still Deciding on a Personal Loan? We’re Here to Help!

These days, many people are resorting to personal loans when they are unable to arrange money from other sources. Unfortunately, there are lots of misunderstandings about personal loans that prevent people from making the best use of this financial instrument. Let’s see the what(s), when(s), where(s) and how(s) of personal loans to better understand the actual reality. Personal loans are unsecured loans that are offered to applicants after assessing their credit history and loan repayment capacity. Since these are unsecured in nature, (i.e. the borrower does not need to bring in any collateral), the personal loan interest rates are higher than those of other secured...
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Why Should You Invest in Commodities?

Nowadays there are so many investment options, you’ve got bonds, ETFs, stocks and cash in portfolio. There is another investment option called commodities and people are often muddled whether it’s a good investment option or not? If yes, then how much money should be invested in it and so on? Young people willing to invest are often confused about commodities due to their inexperience. To invest in commodities, one must know what exactly these are and how will it affect their portfolio. What are commodities? A commodity is any basic good or raw material that is utilized in commerce. Oil is...
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