gettingyourich.com
gettingyourich.com
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  • How To e-Sign Documents
    Executive Summary: e-signature is a facility provided by the Government of India. Using this people can sign any document within the comforts of his home. e-signs are safe, secure and legally valid. He need not worry about it being stolen or storing and maintaining documents. 1) What is Aadhaar based e-signature?e-sign stands for electronic signature. It is used to sign a document electronically...
gettingyourich.com
gettingyourich.com
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  • What Is My Liability In Case of Fraudulent Transactions In My Account
    Executive Summary: Recently RBI has made some announcements regarding fraudulent transactions. The customer has to report the fraud within three days else the liability of the bank is limited in case the bank is not responsible for it. If the bank has been a participant to the fraud then it is fully liable. There are some guidelines set on responsibilities of bank and customer regarding to handle ...
gettingyourich.com
gettingyourich.com
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  • Interest Saving Home Loan Schemes
    Executive Summary: Some banks offer specialized home loan products. These are linked to a bank account. One can deposit surplus amount in this account. The surplus amount will be treated as pre-payment of principal amount and the interest will be calculated on amount outstanding less the surplus amount. It is suitable for people who can deposit surplus funds and are comfortable financially. It is ...
gettingyourich.com
gettingyourich.com
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  • Paytm's New Product - Digital Gold
    Executive Summary: Paytm has introduced a new product – 'Digital Gold' in association with MMTC-PAMP, a globally renowned bullion. One can buy and sell gold online. Request for delivery can also be made. It is a good product to invest in gold as it allows for low denominations and quantities. There are some cons like requirement of regular transactions and charges for selling and delivery. Paytm...
gettingyourich.com
gettingyourich.com
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  • All About Exchange Traded Funds
    Executive Summary: Exchange Traded Funds (ETFs) are funds that invest in underlying stocks, indices or commodities. ​They can be traded in the exchange. They offer limited risk as compared to direct equity. In India, liquidity is an issue for them and many MF schemes give better returns. Therefore they are not very popular. ​1. What are Exchange Traded Funds(ETFs)?Exchange Traded Funds (ETFs) ar...
gettingyourich.com
gettingyourich.com
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  • Change Your Financial Behaviour Reading These Books
    Executive Summary: Humans fall prey to making irrational decisions. This leads to flawed financial decisions. This can impact our wealth and long term financial goals. The books Why Smart People Make Big Money Mistakes, The Little Book of Behavioral Investing, Thinking Fast and Slow and Predictably Irrational - The Hidden Forces that Shape Our Decisions show us different behavioural traits that im...
gettingyourich.com
gettingyourich.com
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  • What do the Rich do differently from the Not So Rich?
    Executive Summary: The rich people have some traits and habits that are different from the not so rich people. Wealthy people are logical about money. They make their money work for them and have a diversified investment portfolio. Their goals are lofty and they live below their means. They have certain behavioural traits that help them stay wealthy and they do not hesitate to take professional ad...
gettingyourich.com
gettingyourich.com
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  • Review - HDFC Click2Protect 3D Plus Term Plan
    Executive Summary: Click2Protect 3D Plus, a term policy from HDFC Life has many options. These options suit different requirements. It is good to offer choice to customers, but it is better to keep a term plan basic.  Click2Protect 3D Plus is a new term insurance policy from HDFC Life. It is an online policy.Let us look at the features, pros and cons of this policy -It has 9 plan options. These ...
gettingyourich.com
gettingyourich.com
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  • Six Things to do Before Filing Your IT Returns
    Executive Summary: It is compulsory to file ITR form if you are earning income greater Rs. 2,50,000. Filing tax returns is akin to a nightmare for many. But if you prepare the requirements beforehand, it is not such a cumbersome process. You need to be aware of your income, investments and keep documentation handy before filing your returns. It is the time of the year to get ready to file your t...
gettingyourich.com
gettingyourich.com
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  • Have You Linked Your PAN and Aadhaar
    Executive Summary: It has become mandatory to link PAN to Aadhaar for filing income tax returns. If you have both, it is a simple process. You have to link them by visiting the income tax e-filing portal. There are ways to link the two even if the details are not matching in both. The government plans to use Aadhaar for many purposes and it will be good if you have both documents and link them. ...
gettingyourich.com
gettingyourich.com
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  • Real Estate (Regulation & Development) Act, 2016 (RERA)
    Ayush Bhargava EXECUTIVE SUMMARY:  Real Estate Act 2016 (RERA) is the latest act to come in force from 1st May 2017. This act seeks to protect home buyers as well as boost the investment in the real estate industry. This article talks about some of the major development which will impact the industry and some positive changes which talks about benefit of the customer.  The Real Estate Regulation...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Use your hard earned “Bonus” smartly
    Ayush Bhargava ​EXECUTIVE SUMMARY:  Who doesn’t love extra money aka “Bonus” and when it regularly comes once in a year then one should always plan for its better use. From filling in for emergency funds to paying off debt, buying necessary items, travelling or investing it for retirement or other future goals – in this article we have suggested some ways to use bonus effectively.     It is rewa...
gettingyourich.com
gettingyourich.com
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  • Investing in MFs is different from Financial Planning
    Executive Summary: Many people make the mistake of considering financial planning and investing in MFs as one and the same. Financial Planning is a comprehensive plan on how to manage your finances and build your wealth. Mutual funds are instruments to help achieve this objective. Many people come to us to invest in mutual funds and think that they have done financial planning. Others want to do...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Income Tax changes for FY 2017-18
    Ayush Bhargava EXECUTIVE SUMMARY:  This year’s financial budget failed to please a big portion of economy however, for lower and middle income group this budget will help in saving more money. This article includes several points with respect to changes in income tax for the current FY 2017-18. A huge sigh of relief was heard amongst the people this time when the Union Budget 2017 was announced ...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Insure Your Gadgets
    Executive Summary: It is good to insure gadgets like phones, laptops, camera equipment as they are expensive and play an important role in our life. Here is a lowdown on three insurance policies that offer equipment insurance - Bharti AXA Portable Equipment Policy, HDFC Ergo Portable Electronic Equipment Insurance and ICICI Lombard Electronic Equipment Insurance. ​Gadgets and equipment have beco...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Should You Go for MF Schemes that Offer Insurance?
    Executive Summary: Investing through SIPs in mutual funds is a smart way to invest regularly and build wealth. Some MF companies like Birla SunLife, ICICI Pru and Reliance offer insurance along with the MF scheme. It is not a great idea to mix MF investments and insurance as they do not serve your best interests. Systematic Investment Plans (SIPs) are plans offered by Mutual Fund houses wherein ...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Financial Year Roundup 2016-17
    Ayush Bhargava EXECUTIVE SUMMARY:  Financial year 2016-17 has been the year of challenges and reforms for India. This year we saw government aggressively spending on Infrastructure, agriculture and GST Bill finally getting approval. Equity Market witnesses a lot of ups and downs; Mutual Fund Industry touched new heights, Demonetisation happened in November, 7th pay commission was rolled out by the...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • What Should I Do in the New Financial Year
    Executive Summary: April 1, 2017 to 31 March, 2018 is the new financial year. You can take some proactive steps to ensure that your financial year is under your control. These steps include selling off bad investments, planning taxes for the new financial year, increasing savings and investments, being disciplined and reviewing your investments and finances. This will keep your budget on track and...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • 6 Financial Moves That You Will Regret in Retirement
    Executive Summary: Some financial mistakes that we make when we are young can have a negative impact in our retirement years. If you do not save and invest in time or invest in very low risk low return assets, your investments will not be enough to fund retirement. If you do not insure yourself properly, it will hurt your and your loved ones' finances. You should not spend excessively nor spend al...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Make the Best Use of SWPs
    Executive Summary: A Systematic Withdrawal Plan (SWP) is an option given by Mutual Funds. Investors can withdraw from the scheme invested in on a regular basis. It is helpful for retirees. They usually have a lump sum amount in the retirement fund and need a regular source of income. SWPs provide regular cash flow and efficient tax management. ​It is important to create your retirement fund. But...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Cybersecurity and Digital Payments
    Executive Summary- The Indian economy is surging forward towards a digital economy. While this is advantageous, there are risks that we need to be aware of. All forms of digital transactions like usage of debit and credit cards, online shopping and mobile wallets are vulnerable to cyber attacks. Follow safe and secure cyber practices to prevent cyber crime and online fraud. These practices include...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • All about the Online EPF Passbook Facility
    Executive Summary: The Employees Provident Fund Organization (EPFO) allows people to view their Employee PF status online.  A person has to register on the EPFO website using the UAN, member ID and mobile number. If UAN is not there, it can activated. The passbook can then be downloaded from the e-sewa website. In today’s world, most of you wish to have all your investments online to keep an eff...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Tax Saving Season – Understand the cost of buying wrong financial product.
    Ayush Bhargava. EXECUTIVE SUMMARY:  We are in the middle of the tax saving season during which every year mis-selling of the financial products increases. People blindly invest into insurance policies, tax saving mutual fund schemes (ELSS) & other schemes just to save tax and later regret on their decision. They do not understand the cost of their mistake which can take many years to recover. He...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Are Robo Advisors The Way To Go
    Executive Summary- A financial advisor helps the client to develop a comprehensive financial plan and manage his financial goals. With technology entering every aspect of our life, we can get advisors that are automated as well. Many companies have launched Robo Advisors who provide personal financial services. We have compared some Robo Advisors here - Arthayantra, FundsIndia, Scripbox, AdityaBir...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • 5 Apps To Manage Your Expenses
    Executive Summary – Expense management is a continuous process and not an easy one. Sometimes we are clueless as to how our money got spent. There are many apps available to help us managing our expenses. We review Qykly, mTrakr, Money Lover, Walnut and Expense Manager here.             My salary got over in 15 days.            I don't know where all my money goes!            How do I find out w...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • 5 Ways To Get the Best from your Financial Advisor
    Executive Summary- A financial advisor helps the client to develop a comprehensive financial plan. You can get the best of his advisory services if you collaborate with him as one players of one team. You can give him updated relevant information and get regular reviews of the investment portfolio, You should shy away from asking questions about investments when you do not understand and get his s...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Highlights of the Union Budget 2017
    Executive Summary – The Union Budget, 2017 was presented on February 1. Key points that have affected people include reduction in tax rate for income up to Rs. 5,00,000, reduction in holding period for long-term capital gains, some relief for NPS investors and rural sector and real estate sops. There is not much in the budget for the corporate world, travellers and commuters or concrete employe ge...
  • Insurance Plans for the Disabled
    Executive Summary – Leading a life with all its challenges is not easy. If one is disabled, it becomes a little more tough. Insurance will help one with the finances. Swavlamban Health Insurance Scheme and Nirmaya are health insurance plans for the differently abled.  India has a large population of people with disabilities. As per the census in 2011, there were about 21 million people with some...
  • Coffee Can Portfolio
    Executive Summary - Coffee Can Portfolio is an approach to investing wherein one allocates a part of the investment portfolio to certain stocks/MFs etc. which have a proven track record and impressive performance potential and forget about it. In the long-term, these assets would have appreciated considerably and given optimum returns. It prevents the investor from panicking and selling during vol...
  • 7 Questions About Gratuity Answered
    Executive Summary- Gratuity is a lump sum amount payable to employees as a reward for their continuous services for 5 years or more. It is calculated on the basis of the salary and tenure of service. In most conditions, it is exempt from income tax. The employer can deny gratuity in case of illegal or immoral acts by the employee. 1) What is gratuity?Gratuity is a lump sum amount given to an emp...
  • What Should I Know About Income Tax Refund
    Executive Summary- Sometimes the amount of tax paid by you is more than the tax payable. In such cases, you will get a refund in the bank account as indicated by you. You can track the refund on the income tax website and also get interest on the refund if it is delayed without a mistake from your part. Income Tax Refund -If you have paid tax greater than the amount that is payable by you for th...
  • Have You Factored In These Costs In Your Wedding Budget
    Executive Summary- The wedding is a special event in a person's life. Take care to include these costs in your wedding budget such as postage, tips, priests charges, destination wedding expenses, out of contract expenses and meals for vendors. This will help you not panic at the last moment and be prepared with a complete budget for the wedding.  The wedding day is one of the most special days i...
  • 10 Vehicle Insurance Terms You Should Know
    Executive Summary- It is mandatory to buy vehicle insurance.Rather than buying whatever the dealer offers to you, make an informed decision by being more informed about vehicle insurance and the related terms. The Insurance industry like any other industry has a lot of specific business terms. We all are part of the industry as we buy insurance to protect our life, our health, home and vehicles....
  • Assignment of Insurance Policies
    Executive Summary- A person who has bought an insurance policy can assign the rights and benefits of the policy to another party using the concept of assignment. In absolute assignment the policy rights are completely transferred to the assignee. In conditional assignment, the policy rights are assigned based on fulfilment of certain conditions. Do you know about absolute and conditional assignm...
  • Book Review - The Halo Effect and the Eight Other Business Delusions That Deceive Managers
    Executive Summary – 'The Halo Effect and the Eight Other Business Delusions That Deceive Managers' written by Phil Rosenweig is a reality check on the business books, journals and articles we read. The author says that many of these written works suffer from delusions. If a company does well, some conclusions are drawn on the positives of the company which may not be factually correct. Most busi...
  • How to go Cashless
    Executive Summary- Demonetization has affected the daily lives of people who largely deal in cash transactions. There are many ways to do cashless transactions like using cards, using netbanking facilities, NEFT, RTGS and modern transaction methods like UPI and e wallets. You can help your employees and people you deal with on a daily basis like the maid and dhobi set up bank accounts. There ar...
  • Book Review - Why Smart People Make Big Money Mistakes... and How to Correct Them : Lessons from the Life-Changing Science of Behavioural Economics'
    Executive Summary- 'Why Smart People Make Big Money Mistakes... and How to Correct Them : Lessons from the Life-Changing Science of Behavioural Economics' is a book that concentrates on the emotional and behavioural aspects of personal finance. The book touches upon topics like herd mentality, loss aversion, lack of attention to numbers, confirmation bias and overconfidence which impact personal f...
  • 5 Ratios To Understand Your True Financial Health
    It is important to have an objective and transparent view of one's financial health. Financial ratios like liquidity ratio, debt service ratio, solvency ratio, savings ratio and investments to net worth ratio help to understand the true picture one's personal financial health and evaluate the strengths and weaknesses of the financial portfolio. This will aide in better financial planning. Financ...
  • Surrender Value of Insurance Policies and Tax Implications
    Executive Summary – Insurance products can be surrendered. The surrender value is calculated based on premium, sum assured, number of premiums and bonus. Surrendering an insurance policy has tax implications like reversal of deductions claimed in the earlier years and adding the sum received on surrender to total income and pay tax as per the income tax slab rate under certain conditions. Many o...
  • Why will I get an Income Tax Notice?
    Executive Summary – You might get a tax notice if you do not follow the process of filing returns properly or make mistakes in the form. If you pay an incorrect tax amount or conceal high value transactions or have sudden changes in your income or investments, the Income Tax department might send a notice. You should respond to the notice appropriately and make sure that you make the necessary cor...
  • Save More and Enjoy More, this Diwali
    Executive Summary- The festival season brings joy and happiness. It is important to celebrate in a way that our personal finances stay in order. We should stay within the set budget, spend wisely, make use of offers, use the bonus wisely and strengthen the financial plan. The festival season is here. It is time for us to celebrate and enjoy rituals and festivities with joy. We also buy new cloth...
  • How to Provide Financial Security for a Child with Special Needs
    Executive Summary- It is emotionally and physically challenging to take care of a child with special needs. One should not forget about financial security of the child. Saving more, having a diversified investment portfolio and creation of a trust helps. Take advantage of tax breaks and schemes for the disabled. Generally, children with special needs require more attention on a daily basis and m...
  •  All about Volatility Index (VIX)
    EXECUTIVE SUMMARY:  Volatility Index (VIX) is the indicator of near term volatility in the market and today many experts use this as the basis of market prediction. VIX is generally used by Institutional investors or Ultra HNI’s for trading purpose. In the article we have described how VIX is calculated and how a normal investor or trader can interpret the index for trading purposes.  Indian stock...
gettingyourich.com
gettingyourich.com
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New blog articles detected.

  • Let Us Get to Know UPI
    Executive Summary – Unified Payments Interface (UPI) has been launched to facilitate transfer of funds between persons/organisations via smartphones. You do not need cash/card for money transactions. Once you download the UPI app and register, you can receive and pay money using your virtual address and M-PIN. UPI aims to simplify transactions, arrest tax evasion thereby boosting government revenu...
  • Protect your home with Householder’s Policy!!!
    EXECUTIVE SUMMARY:  House and its belongings are the most important assets and we take utmost care to protect them, yet there is always a risk of damage or theft. Householder’s Policy is the solution through which one can transfer the risk by insuring the structure of the house and its belongings. Be it Electronics, Jewellery, furniture or the structure the policy provide cover in case of damage t...

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