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HindustanTimes Wed,19 Jun 2013
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Utility Bytes

How to choose a printer

A cheap machine may not be the cheapest one to operate. You need to read between the lines to get the best deal.

Home loan: prepayment helps

Even if your lender lets you make such payments only two or three times a year, it will make a difference in the total interest paid and the tenure of your home loan. Bindisha Sarang  reports.

Speakers in your backpack

One mostly uses earphones with portable music players. What if one is tired of in-ear speakers? What if one wants to share the music with friends? Here are a few great options.

Deciphering your 10-digit PAN

Your permanent account number (PAN) is a 10-digit alphanumeric number, which is used as your identity proof. Have you ever wondered how the combination is made unique for you?

India needs to do more on IPR: US govt report

Trade rep says India has acted against movie & music piracy, but lags enforcement of intellectual property rights.

As banks slash rates, this may be the time to borrow

Within a fortnight of the Reserve Bank of India (RBI) cutting repo rate, many banks have cut their lending rates making home loans, auto loans and other consumer loans cheaper up to 0.25 percentage points for the customers who bore the brunt for nearly three years. Sachin Kumar writes. Hopes up as lending rates fall

You may shell out more for local cable connection

To digitise the analog TV network across the country, the government has cleared the Cable Television Networks (Regulation) Amendment Bill, 2011. In the first phase, viewers of four metro cities—Delhi, Mumbai, Kolkata and Chennai — will have to install set-top boxes (STBs) in their households before June 30.

RBI on the cutting edge

In the continuing tug-of-war between rising prices and sliding growth, the Reserve Bank of India (RBI) on Tuesday slashed key rates for the first time in nearly three years. HT explains the nuances of the growth-price-interest rate interplay. Gaurav Choudhury reports.

What MF records should be used to save for tax filing?

Your I-T return forms have provisions to classify these incomes as either taxable or tax-free. But declaration of income is a must. So even if mutual fund (MF) investments are largely tax-free, you need to show where you have invested throughout the year and where you have withdrawn from.

Making that home loan switch

Last week, the country’s largest bank, State Bank of India (SBI), decided to reduce the interest rate burden of existing home loan borrowers by allowing them to switch to a lower interest rate. Bindisha Sarang writes. Who's offering what

Post office savings to earn you more

The government on Monday increased interest rates on a range of popular post-office saving schemes.

Deductions help lower your taxable income

Deductions help you pay less amount as tax. You basically invest in a specified instrument which is deductible or on which deduction can be availed and lower your taxable income by that extent.

Single-point ‘know-your-customer’ to ease form-filling headaches

If a government plan goes as intended, you will now be able to avoid the lengthy and painstaking process of filling up know-your-customer (KYC) registration forms each time you buy a a financial product or a service. Mahua Venkatesh reports. Single umbrella

Accounting mess behind EPF rate cut

Two days before the Budget, the Employees Provident Fund Organisation (EPFO) decided to cut its returns for 2011-12 sharply, from 9.5% the previous year to just 8.25% now. Dhirendra Kumar writes.

When should Generation Next join the family business?

Nobody has become a great industrialist or an entrepreneur without knowing the nitty-gritty of the business. Before you get into the sales, service and marketing it is important to understand the 360 degree functioning.
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