PPF or Public Provident Fund is most popular tax saving tool. One of the main reason behind its popularity is that PPF is most tax efficient savings instrument therefore real returns are high. Moreover being a long term investment, it is very useful for Retirement Planning or achieving long term objectives like Child's marriage or Education. How to open PPF account Earlier, only Post Offices were allowed to open PPF account but recently Govt allowed selected banks to open PPF account. Good news is that you can transfer your Public Provident Fund Account from Post Office to Bank & vice ... Read More
RTI Act Language Barrier in Information Transfer
In 1956, There was a major change in the boundaries of Indian States along linguistic lines. It was a result of State Reorganization Act, 1956. After independence there was a strong political demand to create states based on linguistic criterion. In 2014, World is a global village and there are no linguistic boundaries. If i have to take my example, i have changed 4 cities in last 8 years. Thankfully, English is "unofficially" accepted as official language everywhere. As per RTI Act, we can seek information in English, Hindi or Local Language i.e. In Maharashtra, i can seek information ... Read More
How to make Good Investment Decisions
Good Investment Decisions are not made overnight. Its an art, which require time to gain mastery. Many of my blog readers ask me same question How to make Good Investment Decisions. I prefer to call Good Investment Decisions as Smart Investing. I thought of writing a separate post on this and share my views on same. The biggest mistake made by any Financial Planner is that they do reverse calculations. E.g. If i will retire in 20 years from now & i need 1 Cr retirement corpus. Financial Planner will suggest every month start investing X amount in Mutual Funds assuming Y% Return on ... Read More
How to File RTI Application Online
Now you can file RTI Application Online, which is hassle free & more convenient. Online RTI Application portal is an initiative of Department of Personnel and Training (Govt of India) to enable Indian citizens to file RTI Application Online. Though its a different story that when i tried to file RTI Application Online, it got failed both the times. I was charged on both the occasions by SBI Payment Gateway but application was not successfully submitted. The redirect URL from SBI Payment Gateway to https://rtionline.gov.in/ website does not exist. I sent an email to ... Read More
What is Right to Information Act
In my personal opinion, Right to Information Act is the biggest achievement of last decade. I was planning to start a section on Right to Information Act on my blog from quite sometime. As the famous proverb goes "It's Better Late than Never". Now you must be wondering what prompted me to become RTI activist. Answer is, when my father retired from Govt Department he was denied his retirement benefits due to frivolous reasons. Thanks to RIGHT TO INFORMATION ACT, he received all his retirement benefits after 5 years. RTI section on my blog is dedicated to untiring efforts put by my Father for 5 ... Read More
Original Property Documents Lost by Bank
After Home Loan closure, the most shocking news for any borrower is that one of his original Property Documents Lost by Bank. On last Friday, one of my blog reader Mr. Amarnath Nagpal has gone through same trauma. He wrote a distress mail to me seeking my opinion on what to do next. He was called by his Home Loan Provider (One of reputed PSU bank) to collect his original Property Documents after he closed his Home Loan with the Bank. The situation is no different even if page/s are misplaced by the bank from most critical documents like Sale Deed, Sale Agreement etc. Once the document or ... Read More
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