Apna Loan  |  Apna Insurance  |  Apna Investment


Featured

A format for pre school education in india

…When innocent eyes give way to independent looks When small little hands gesture you to go and let things be…. …When soft gurgles slowly get replaced with commands ! It is time for you to realize that your bundle of joy is growing up. Your cuddly little baby has set himself firmly on a growth route. And that [...]

Continue Reading

Banking, Featured, Grievances, Home Loan, Home Loans, Loan, Loan Against Property, Loans, home loan issues

Bank not reducing your Home loan rate? Make a phone Call

Interest rates on home loans for new consumers have come down by around 4% since September end 2008 but consumers who had the misfortune to take their loan before that have only seen their rates drop by around 1.50% – 2.25%.     We are inundated with anguished queries from existing customers where they raise concern about [...]

Continue Reading

Featured, Financial Planning, Home Loan, Home Loans, Investment, Loan, Loans, Retirement Planning, Retirement Planning, Reverse Mortgage

Your best retirement plan – Buy another house!

Most people build a nest egg for their retirement by investing a regular sum of money into a Systematic Investment Plan (SIP) of a mutual fund or buy a pension plan from an insurance company or regularly invest in a bank recurring deposit or government backed instruments such as PPF and NSC, etc. A very [...]

Continue Reading

Featured, Home Loan, Loan

SBI declares war : wants to capture pole position in home loan mart

The home loan war seems to be hotting up. The private sector players (HDFC, ICICI, Axis,LIC housing Finance) are all providing loans at around 9.25% floating to their new consumers (including to existing borrowers of other banks wishing to shift their loans). For once the PSU banks seem to be using attractive structured offerings to provide stiff competition to the private lenders.

Continue Reading

Featured, Health Insurance, Insurance

Cheap is not necessarily the best - How to decide which mediclaim policy to buy

Health care costs for hospitalization in India have risen sharply in recent years in tandem with global trends. Many a family has seen their financial planning go for a complete toss due to unexpected costs on hospitalization of a family member. Also due to increasing exposure to media there is a far bigger consciousness about [...]

Continue Reading

Health Insurance, Life Insurance, ULIPs

Need funds to send your child to B School? Quit Smoking!

Posted on 27 August 2010

Now all of us know that Smoking is injurious to health (thanks to the government regulations that require a prominent skull and bones and a written warning to be printed on all cigarette packets). A somewhat less prominent written warning is also printed on all gutka pouches and packets. Apart from the direct money spent [...]
Continue Reading

Comments (0)

Banking, Banking issues, Credit Card, Loan, home loan issues

Picking up the pieces – slowly but surely!

Posted on 11 August 2010

An old colleague called me up after reading one of my articles. We spent some time reminiscing about the old times and the people we had worked with before he came to the real reason he had called me. I knew he had lost his job in 2009 and his divorce had also put a [...]
Continue Reading

Comments (0)

Health Insurance, Insurance, Life Insurance, Tax Benefits, ULIPs

Income tax benefits for senior citizens

Posted on 19 July 2010

It is often said that the true character of a society is judged by how it treats its elders. The senior citizens of a country need to be taken care of by the society in general and by their children in particular. Now a days lot of benefits have been granted to senior citizens in India [...]
Continue Reading

Comments (0)

Health Insurance, Insurance, Tax Benefits

Special tax benefits for people with special needs

Posted on 19 July 2010

As it is the rising inflation and higher costs of medical treatments have made life difficult for an average person. What to talk of woes of those who have handicapped person to support where he is concurrently spending on the treatment. Thus to mitigate these financial hardships faced by the handicapped persons and [...]
Continue Reading

Comments (0)

Health Insurance, Insurance

Niramaya - Specially designed for ‘Special Needs’ people!

Posted on 12 July 2010

Taking into account the overwhelming response to my article captioned “Benefits for Special Needs People” in DNA on June 15, 2010 having mention of Insurance scheme Niramaya administered by The National Trust, and subsequent requests for the details of the scheme, I am giving the details of Niramaya in this article. Niramaya is the Insurance [...]
Continue Reading

Comments (0)

Life Insurance, ULIPs

ULIPs will necessarily have to be sold as long-term protection cum savings products

Posted on 09 July 2010

With the inter-regulatory spat over ULIPs being firmly settled in its favor, IRDA has taken very little time in announcing sweeping new regulations that will change the very essence of how ULIPs are structured and sold today. So what are the significant changes and how will it change how ULIPs are sold. The changes are [...]
Continue Reading

Comments (0)

Banking, Car Loans, Home Loan, Home Loans, Loan, Personal Loans, Teaser loans

The Base Rate regime - Will it make a difference?

Posted on 07 July 2010

The biggest complaint of loan consumers in India who have taken loans on a floating rate has been that lenders are quick to raise rates for them when interest rates rise in the market but are very reluctant to reduce their interest rates when market interest rates drop. Till June 30, 2010 the floating rate [...]
Continue Reading

Comments (0)

Life Insurance, ULIPs

Insurance Advisor - Equipped well to undertake turnkey job!

Posted on 19 June 2010

Recently I came across a newspaper report mentioning the number of insurance policies being lapsed. According to the said report, during the year 2009, insurance policies worth Rs. One trillion had lapsed and their number was over 9 lacs. And this number did not account Unit Linked Insurance Plans [...]
Continue Reading

Comments (0)

Banking, Banking issues, Home Loan, home loan issues

Is India a single country?

Posted on 31 May 2010

And No, this question is not asked in the political context with our Northeastern borders racked by chronic insurgency and of course the unrest in J & K. It is not even in the context of a common single market where many foreign direct investors will testify that this is not just a rhetorical question. [...]
Continue Reading

Comments (0)

Health Insurance, Insurance issues, Life Insurance

Know what your Mediclaim policy does not cover?

Posted on 21 May 2010

“I have a mediclaim policy for the last 5 years for myself and my wife. We were recently blessed with a child. The only thing that marred the joyful experience was the refusal of the TPA to reimburse the expenditure of Rs. 23,000 incurred during the hospitalization of my wife while giving birth. Is the [...]
Continue Reading

Comments (0)

SEE MORE ARTICLES IN THE ARCHIVE

Advertise Here

Advertise Here
  • CALENDAR

      September 2010
      M T W T F S S
      « Aug    
       12345
      6789101112
      13141516171819
      20212223242526
      27282930  


Disclaimer

The Apnapaisa Blog specifically disclaims any responsibility for any loss, actual or consequential, caused due to any decisions taken on the basis of any material appearing on the blog. Please consult your personal finance advisor, insurance agent, or broker before taking any decision to buy any financial product.