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Real Story about an Investor who Fought for 9 months with ICICI Bank

Can you fight back ? Really ? If you were taken for granted as a customer by some Bank or any institution and you were forcibly sold some product by officials at some Organisation assuming you are a weak customer who will not raise his voice and fall in trap , What would you do [...]

Impact of New Income Tax Slab on Common Man

Finance Minister Pranab Mukherjee on Friday announced revised tax slabs for individual tax payers and also said that the New tax rates would offer relief to 60 per cent of taxpayers but looking at the below comparison between the tax payable last year and the proposed one it seems that the so called “Aam Aadmi” [...]

How many Mutual Funds you should have ?

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How many mutual funds is enough ? Though it depends on individual needs and situation. We can always arrive at a number or a range which should be optimal for a large chunk of mutual funds  investors. Investors sometimes invest in a large number of mutual funds which does not add any additional value to [...]

Force Selling combined with other financial products

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Can some one force you to buy ULIP’s along with a loan or Home loan ? I am seeing very unethical things going on in financial world these days in India. Lots of people are complaining that many company are selling junk thinks like Endowment plans or ULIP’s (which make big commissions ) along with [...]

“Papa Kehte Hain” problem in Personal Finance

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So I was talking to this reader and came to know that her husband investments are done by his father. I was curious to know the reason of this and the biggest reason that came up was that he has no interest in Investments and personal finance and hence he has outsourced this decision-making part [...]

Prevention is better than Cure even in Personal Finance

“An ounce of prevention is worth a pound of cure” . I see most of the people these days who hae bought wrong products like ULIP’s , ULPP’s , Endowment Policies and unsuitable Mutual funds (which they are not aware of most of the times) and then when they come to know about it , [...]

How to look beyond short term returns in Mutual Funds

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Want to buy a mutual funds which has given 105% return in 2009 ? Go ahead .. How do most of the people choose a mutual fund ? Let us try it ones , Goto Valueresearchonline.com and find Top 10 funds across all the equity funds with 1 yrs performance . Below is the example [...]

How to Open a PPF account at SBI Bank

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Most of us want to open PPF account, but keep postponing it just because we don’t want to take action. Most of the people want to open their PPF accounts with the most trusted bank in India , which is State Bank of India . Let us see 3 easy steps of opening a PPF [...]