Thursday, September 29, 2011

KBC 5 Jackpot Question for Today - 29-09-2011

This is a part of [KBC 5 Ghar Baithe Jeeto Jackpot 2011 Questions]

Here is the Ghar Baithe Jeeto Jackpot Question for Today - 29-09-2011 asked by Mr. Amitabh Bachchan in KBC 5 (Kaun Banega Crorepati 2011 shown in Sony Entertainment Television)


Which of these phrases would you use while asking someone to sit down?

A: Shab Ba-Khair
B: Tashreef rakhiye
C: Nosh Farmaiyye
D: Kushaamdid

Send your answer to KBC to win Rs. 1 Lakh. Lines are open till 30th-Sep-2011 8:30PM IST.


B: Tashreef rakhiye

Wednesday, September 28, 2011

KBC 5 Ghar Baithe Jeeto Jackpot Question of the Day - 2011

This page will contain all the Ghar Baithe Jeeto Jackpot Question asked in KBC 5 (Kaun Banega Crorepati 2011.

Send your answers to KBC 5 on time to win Rs. 1 lakh.

ALL you wanted to know about Company Deposits

This article is a part of [Personal Finance Tips to master your own Finances]

Company Deposits are simply nothing but fixed deposits in companies that earn a fixed rate of return over a period of time. Company deposits are really down-to-earth products. The influential advantage of the company deposits is its plain simplicity. Company deposit is understood even by the most novices among the investors community.

Have you ever wondered the logic behind why pure vanilla flavored ice cream sells more than any other flavor? Similar logic is just as true when it comes to the company deposits vis-a-vis many other modern investment options.

With the meltdown of NBFCs almost a decade ago, company deposit market had a major slow down, but volumes still remain significant and there are loyal investors who prefer company deposits to other investment products.

Advantages of Company deposits:

* Assured return.
* Higher interest when compared to bank deposits.
* Low risk when compared to stock market investments.
* Service at your doorstep.
* Lock in period in most of the cases is 6 months only.
* If the interest income is less than Rs.5000 in one financial year, then NO TDS.

Risk in Company Deposits:

Company deposits are basically unsecured. That is if the company defaults in repaying the interest or principal, the investor will not be able to recover his capital. As a company deposit holder, you don’t have any lien on any asset of the company, in case it goes into financial difficulties. This makes the company deposits a risky investment option.

Identifying Risky Company Deposits:

One of the important tasks in investment planning in company deposits is to identify the risky company deposits and avoiding them. If you find any of the below symptoms in any of the company deposit scheme, then it is better to avoid such company deposit schemes.

* Poor credit ratings like A or lesser ratings.
* Companies making losses.
* Companies that skip dividends.
* Companies that offer higher than 3% to 4% of bank deposit rates.

Checklist for choosing right company deposits:

There are some good investment options in company deposits. Also there are some bad investment options. If you know how to select the right company deposit then company deposits can be really an interesting investment option in your portfolio.

* You need to ignore all the unrated companies and need to choose companies with the rating of AA or higher.
* Choose the company with better reputation within a given rating grade. If you read business papers and magazines periodically, it is not difficult for you to check the credentials of the company.
* Take the help of the qualified financial advisor in choosing the right company deposit. But mind you, there are very few reputed and qualified financial advisers.
* Company deposits need to be spread over a large number of companies in different industries. By this, you can diversify your risk. Irrespective of the rating and reputation of the company, don’t invest all your investments in a single company deposit scheme.
* You need to check on the servicing level and standard of the company. You need to ignore companies that don’t care or care little about issues like sending interest warrants and principal cheques.
* After investing in a company deposit, you need to constantly track the company’s credit rating. The times are uncertain and downgrades are rampant.
* Check the company’s balance sheet for its asset back up, profitability, reserves, existing borrowings and loans.

Every investment has its distinct features and benefits. Likewise each investor has specific risk taking ability and personal needs. Professional investment planning needs matching of the product benefits and features with the financial objectives of the investors. So one need to weigh the various alternative investment options like bank deposits, debt funds vis-a-vis company deposits before making a choice.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

KBC 5 Jackpot Question for Today - 28-09-2011

This is a part of [KBC 5 Ghar Baithe Jeeto Jackpot 2011 Questions]

Here is the Ghar Baithe Jeeto Jackpot Question for Today - 28-09-2011 asked by Mr. Amitabh Bachchan in KBC 5 (Kaun Banega Crorepati 2011 shown in Sony Entertainment Television)


Which of these insects is known for producing lights?

A: Tilchatta
B: Jugnu
C: Tataiyya
D: Titli

Send your answer to KBC to win Rs. 1 Lakh. Lines are open till 29th-Sep-2011 8:30PM IST.


B: Jugnu

Tuesday, September 27, 2011

Google Celebrates 13th Birthday with Party Doodle

Google Celebrates 13th Birthday with Party Doodle. Today's doodle is a little more elaborate than most previous birthday doodles.

Google is the dominant search engine is into many other services like web email provider (gmail), web documents, advertisements,maps, video (Youtube), social networking (Google Plus) etc. Google has it's own Internet Browser (Chrome) and mobile Operating System(Android).

Site Statstics/Page view or Site Hit Counter now available in blogger

A good news for Bloggers. We used to use third party Widgets or Hit Counters to show Site Statistics or Page Views in blogger. These Hit Counters are very much unreliable as sometimes they become unavailable thus not counting the Total Page View accurately.

We have a solution to this problem from blogger now. Blogger has introduced a new Widget called Blog's Stats. Using this widget, you can show total page view of your blog in your site. You can show All Time, last 30 Days or last 7 Days data. Also, you have different styles and animations.

To add blogger Blog's Stats to your blog, follow below steps:
1. Go to Design of your blog.
2. Click on "Add a Gadget" at the location you want Blog's Stats Widget
3. Click on Blog's Stats
4. Customize your view and Save.

Monday, September 26, 2011

KBC 5 Jackpot Question for Today - 26-09-2011

This is a part of [KBC 5 Ghar Baithe Jeeto Jackpot 2011 Questions]

Here is the Ghar Baithe Jeeto Jackpot Question for Today - 26-09-2011 asked by Mr. Amitabh Bachchan in KBC 5 (Kaun Banega Crorepati 2011 shown in Sony Entertainment Television)


With respect to income in India, what does the 'B' stands for in the abbreviation BPL?

A: Behind
B: Backward
C: Below
D: Beside

Send your answer to KBC to win Rs. 1 Lakh. Lines are open till 27th-Sep-2011 8:30PM IST.


C: Below

Thursday, September 22, 2011

KBC 5 Jackpot Question for Today - 22-09-2011

This is a part of [KBC 5 Ghar Baithe Jeeto Jackpot 2011 Questions]

Here is the Ghar Baithe Jeeto Jackpot Question for Today - 22-09-2011 asked by Mr. Amitabh Bachchan in KBC 5 (Kaun Banega Crorepati 2011 shown in Sony Entertainment Television)


In which of these films does the lead hero play double roles?

A : Chandini chowk to china
B : Whats your rashee
C : Kites
D : Kaminey

Send your answer to KBC to win Rs. 1 Lakh. Lines are open till 23rd-Sep-2011 8:30PM IST.


D : Kaminey

All you wanted to know about Mediclaim Policy

This article is a part of [Personal Finance Tips to master your own Finances]

Health care costs are sky rocketing day by day. Therefore the need for having a mediclaim policy for you and your dependents has grown. Suppose you have to undergo some medical treatment or need to be hospitalized for certain reason, then a mediclaim policy will be of immense help to you in covering your health care expenses. The reason is Mediclaim offers protection in case of unexpected medical and health care emergencies.

Hospitalization expenses in case of illness, disease or accident will impose a heavy financial burden on individuals and families. This is where the mediclaim policy comes in handy. The mediclaim policy can reimburse the hospitalization expenses or can pay the hospital directly on behalf of you.

A mediclaim policy provides a health cover of certain amount of money. This amount depends on the amount that the insured person was insured for.

The mediclaim policy can be taken for an individual or for an entire family. Some insurance companies allow a discount on the premium if the policy is taken for a family.

Insurance companies have fixed some age limit for medical test. If the individual is below that age, then he or she need not undergo medical test for taking mediclaim policy. If the individual is above that age limit then he needs to go for medical test.

If any pre-existing disease has been found out in the medical test, then those diseases will not be covered under the mediclaim policy for a waiting period of a first few years.

If you have a mediclaim policy from your employer, that may not be sufficient. Employer may cover the employee and not necessarily his entire family members. And moreover these policies are not portable and cannot be individualized if you leave the job. Employer provided policies cannot be transferred to another employer in case you switch your job. Also employer provided policies will give you coverage as long as you are employed. Once you retire you may not be having coverage.

It is really unfortunate that only after your retirement you need health insurance at the most. If you plan to take a fresh policy after retirement, insurance company will not cover the pre-existing diseases at that point in time. Though your employer provides a health insurance policy it is better for you to take a separate health insurance policy at least with a small amount of coverage.

The coverage amount of the health insurance policy need to be decided based on your health consciousness, your family health history, and the class of hospital you choose for treatments.

If you are not health conscious or you don’t do regular exercises or you don’t follow proper diet or you frequently take outside food or don’t go for annual health check-ups then it is advisable to go for more sum insured coverage in your mediclaim policy.

If your family has got any adverse health history like heart disease, high blood pressure, stroke, diabetes, kidney disease, cancer, any form of paralysis, or any hereditary disorder then you need to choose higher coverage amount in your health insurance.

If you will be choosing high class hospitals for your treatment then you need to go for higher sum assured. If you will be choosing medium level or low level hospitals then you can choose the coverage amount accordingly.

Also you need to revise your health insurance coverage amount based on the changes in the above factors and the changes in the medical cost. Also the increase in the age needs to be considered for deciding the coverage amount.

The icing on the cake is you get tax benefit under section 80D for the mediclaim premium paid. For senior citizen the limit under this section is Rs.20000 and for others it is 15000.

Most people don’t think about health insurance very often. But it comes to mind first when a loved one is sick. Mediclaim policy is one of those things everyone knows he or she should take but usually puts off until a more opportune time. Living without a mediclaim policy is like going out on a rainy day without an umbrella or a raincoat.

If you have not covered adequately yourself and your dependents with mediclaim policy so far, then now is the right time to take action. The fact that you are reading this article shows you have decided to stop procrastinating, delaying and have answered the ancient question, “If not now, when?” with “NOW!”.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

Wednesday, September 21, 2011

How to send Jackpot Question's Answer to KBC5

Here are all the methods by which you can send your Answer for Jackpot Question to KBC5.

For IDEA Subscribers:

Dial 55456 ’11′ for Option A
Dial 55456 ’12′ for Option B
Dial 55456 ’13′ for Option C
Dial 55456 ’14′ for Option D

For BSNL Landline Subscribers:

Dial 505 2525 ’11′ for Option A
Dial 505 2525 ’12′ for Option B
Dial 505 2525 ’13′ for Option C
Dial 505 2525 ’14′ for Option D

All other subscribers:

Send your answers by SMS to 5252525

BSNL mobile subscribers can send SMS to 52525
Similarly IDEA subscribers can SMS their answers to 554567

To answer Jackpot question by SMS, type ‘KBCQ’ answer (your option A/B/C/D) and send it to 5252525.
For example if your answer is option A, then SMS KBCQ A to 5252525.

KBC 5 Jackpot Question for Today - 21-09-2011

This is a part of [KBC 5 Ghar Baithe Jeeto Jackpot 2011 Questions]

Here is the Jackpot Question for Today - 21-09-2011 asked by Mr. Amitabh Bachchan in KBC 5 (Kaun Banega Crorepati 2011 shown in Sony Entertainment Television)


Which element is used in the glass tube of a clinical thermometer to measure temperature?

A. Iodine
B. Mercury
C. Platinum
D. Radium

Send your answer to KBC to win Rs. 1 Lakh. Lines are open till 22nd-Sep-2011 8:30PM IST.


B. Mercury

Mutual Fund SIP: for Short term or Long term?

This article is a part of [Personal Finance Tips to master your own Finances]

It may look very strange when everyone is advocating Mutual Fund Sip for long term, what is the necessity for this debate on ‘Is Mutual Fund SIP for Short term or long term?’.

Theoretically doing a Mutual fund SIP for long term will work for investors. But for practical reasons we need to commit a Mutual Fund SIP for short term. That is we need to break that long term into many 6 months or 1 year periods and commit your Mutual Fund SIP for first 6 month or 1 year.

Then at the end of 6 month or 1 year renew your SIP for another 6 month or 1 year. You need to renew like this till you complete your predetermined long term period.

You may think it is an unnecessary paperwork and waste of time. But you will be completely convinced when you have finished reading this article.

Contribution towards Mutual Fund SIP Changes:

How much you are contributing towards Mutual Fund SIP changes over a period of time.

1. At the beginning of a career a person will be able to commit Mutual Fund SIP for small sum of amount. As he progresses in his career, he or she will be able to increase his contribution towards Mutual Fund SIP.
2. Similarly, when someone reaches a stage where he need to spend more on kid’s higher education, daughter’s wedding, buying a house or meeting a major financial commitment, it is difficult for him to continue the same amount of Mutual Fund SIP contribution.
3. So whenever you renew your Mutual Fund SIP at the end of 6 month or 1 year, you can look at your cash flow position and based on that you can renew the Mutual Fund SIP for the increased amount or the same amount or the reduced amount.

Portfolio Review:

Also it gives you a chance to review your portfolio with your advisor once in 6 months or 1 year.

1. The scheme which you have chosen for Mutual Fund SIP is performing well when compared to its peers or not? You need to review this periodically. The scheme may turn out to be a laggard.
2. The scheme may be performing well when you have chosen for doing SIP. But over a period of time, it could have derailed from its performance. This is something like our cricket players. They will be in a good form in the game for some period of time. Then they will lose their form after sometime. So you need to periodically check up whether the fund is performing NOW or not.
3. If you are committing a Mutual Fund SIP for 10 years, then the advisor may not be coming back to you whenever you call him for reviewing your portfolio. If you commit for 6 months or 1 year he or she will be definitely coming to you for renewing the Mutual Fund SIP. You can have a review with him or her at that time.

When you commit Mutual fund SIP for long term, generally we ignore to review it. It may generate poor returns. You can avoid this by periodic review.

Equity Exposure in Overall Portfolio:

How much equity exposure you can give to your overall portfolio can change the amount of Mutual Fund SIP in equity and debt.

1. As the age goes up, your ability to take risk comes down. So you need to change your equity mutual fund SIP contribution periodically.
2. How close or distant you are to achieve your financial goals will also decide your equity exposure. If you have got long period to achieve your financial goal then you can have more equity exposure. When you have short period to achieve your financial goal, then you need to reduce your equity exposure.
3. Rebalancing your portfolio based on your predetermined asset allocation will also decide your equity exposure.

All this can change your Mutual Fund SIP amount in equity funds.

So committing a Mutual Fund SIP for long term looks good on paper. For practical reasons we need to commit for short term and renew it at the end of every short term till achieving our financial goals.

In this regard, instead of committing a Mutual Fund SIP just like that, having a long term financial plan and committing Mutual Fund SIP based on that plan will be really fruitful. This will make a solid difference in achieving your financial goals.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

Sunday, September 18, 2011

10 Things To Do Before You Retire

This article is a part of [Personal Finance Tips to master your own Finances]

Don’t put off today what you can’t afford to do tomorrow. In spite of the world wide pension crisis and a growing acceptance that we must plan and save for our retirement, the harsh reality is we are actually not saving enough. Research reports reveal that only 15% of the individuals are saving sufficiently for their retired life. Here are a few tips on things to do before you retire so that your retired life is more comfortable and enjoyable.

Get Rid of All Your Debts:

If you are taking a housing loan, personal loan, car loan or any other loan make sure that you will be repaying them on or before your retirement. You need to choose the term of the loan in accordance with your retirement age. You can enjoy your retired life when you have 100% financial freedom, not when you have to repay your loans.

Protect Your Emergency fund:

Emergency expenses can happen any time. But the possibility goes up during the old age. So we need to enhance the emergency reserve year on year based on the inflation and change in your expense levels. Emergency fund will give you a sense of security and also you need not touch your other investments during emergency where you need to pay pre-closure penalty. Also don’t forget to refill the emergency fund once you met an expense out of emergency fund.

Establish a Retirement Budget:

You need to visualize your retired life well in advance and need to create a budget for your retirement. That is you will not be going to office. So the expenses on transport and clothes may come down. Also you will have more time to spend. You may need to spend more on leisure travel and health care.

Examine Your Cash Flow:

Take a close look at your cash inflow as well as outflow. Is there going to be any income after retirement? Like rent, royalty…. Would there be any unwanted outflow during retired life? Like paying life insurance, or SIP. At times during your beginning of the career , you could have taken a policy where you need to pay premium up to the age of 60. But now you may plan to retire at 55 itself. So you need to realign your existing policy and other investments in sync with your retirement age.

Grow Your Retirement Corpus:

Find out how much corpus you need to have when you retire so that you will be having complete financial freedom. A professional financial planner will of great assistance to you in this regard.

Develop a withdrawal strategy:

How are you planning to withdraw your cash outflow during retirement from the retirement corpus? Monthly, quarterly, half yearly or annually? Through Sytematic Withdrawal plan in mutual funds or by way of dividend or interest. All these will have a great impact on the corpus you need to accumulate. So you need to decide in advance.

Minimize taxes:

Your retirement corpus and retirement income need to be tax efficient. You need to pay taxes as and when the fixed deposits matures irrespective of that you withdraw interest or reinvest under a cumulative option. But you need to pay interest only when you withdraw from the mutual funds. Careful selection of investment vehicle can reduce your tax during the retired life.

Get Sufficient Mediclaim coverage:

The moment you retire, your employer will stop covering you under the group mediclaim. So you need to plan for your individual medical cover well in advance. At old age the medical expenses are inevitable. If you have not planned it properly the all your retirement plan will become a mess.

Consider Inflation adjusted annuities:

The monthly income you need when you retire is not going to be the same even after 5 years of your retirement. Inflation will increase your retirement expenses year after year. So year after year your retirement income needs to go up.

Oversee estate planning:

How your fixed assets and financial assets need to be distributed to your legal heirs? Create a WILL. You can avoid creating relationship problems to your next generation because of your left out wealth.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

Thursday, September 15, 2011

All you wanted to know about Mutual fund ELSS

This article is a part of [Personal Finance Tips to master your own Finances]

There are so many tax saving investment options; how Mutual fund ELSS Schemes stand out from all other options?

A Mutual Fund ELSS is similar to diversified equity funds. That means the fund manager can invest in shares of various companies across various industries. The difference is ELSS has got the added tax benefit, something a diversified equity fund does not offer.

ELSS is part of the Section 80C instruments which are cumulatively eligible for a deduction from income up to Rs.1 Lakh. This gives the tax payers benefits from 10 per cent to 30 per cent (excluding the educational cess) based on their current tax slab.
The other tax saving investments like NSC, PPF will give only 8% return p.a whereas the Mutual Fund ELSS has got the potential to deliver more than 12% return p.a. Also the lock-in period in Mutual Fund ELSS is 3 years and with NSC it is 6 yrs lock-in and with PPF it is 15 years. Among the various tax saving investment option, Mutual fund ELSS has got the least lock-in period.

Ulips are also one of the tax saving investment options. But now everyone has realized that Ulips has got heavy front loaded charges. Moreover smart investors want to separate their insurance from their investments. They no longer see insurance as an investment; they see insurance as a protection plan. So the smart investors go only for pure term insurance and reject ulips.

This is how Mutual Fund ELSS stands out of the crowd.

Before deciding to go for Mutual fund ELSS, here are some points to ponder over. First check your overall portfolio. Does it need more equity exposure? If yes then you can go for ELSS; if no then you can go for PPF or NSC.

Second thing is to keep in mind, the equity investments are for long term, say 5 years or more. Though the lock-in period in ELSS is 3 years it is better to invest with a time horizon of 5 yrs or more.

Also investors need to keep in mind, SIP is the best form of investing in mutual funds and ELSS is not an exception. So doing an SIP in ELSS is a good strategy to be followed.

The poor performing ELSS has given around 10% annualized return in the last 5 years whereas the best performing ELSS has delivered around 25% annualized return in the last 5 years. So investors need to be careful in choosing the right ELSS scheme. Past performance, risk adjusted return, consistency are a few parameters to be evaluated in selecting a best performing ELSS scheme. Investors also can approach financial advisors for selecting the right scheme.

There are two groups of ELSS investors. Majority of investors belong to the first group. They will wake up late to these tax saving investments. For salaried individuals, it is typical that they will be informed by their accounts department somewhere around end of January to provide proof of tax saving investment immediately or else extra tax will be deducted from their February salary. At the neck of the moment, the choice ends up being guided by convenience alone. They tend to think about tax first and investments later. As long as something saves tax, its real benefits and features as an investment are paid less attention to. That means the investments will be chosen more for convenience than for suitability.

There is another group of investors. Though this group is a very small group, it is a very smart group. They will not rush for tax saving scheme at the last minute. They will plan in advance. That means they will have more time to choose the right product. They will save tax as well as choose a good investment option. They will also check whether this particular tax saving scheme will suit their overall portfolio or not; will this tax saving investment is going to fit into their comprehensive financial plan. That means they will consciously choose an investment which saves tax as well as helps them in achieving their financial goals like children’s higher education, buying a house, retirement plans.

So…now just check up which group you are in.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at
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