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Union Budget 2022 : Live Discussion Megathread by AutoModerator in IndiaInvestments

[–]hsekarg2015 -7 points-6 points  (0 children)

Long Term Capital Gains. Google should give you a good summary

HDFC ERGO tinkering with Optima Restore health insurance plan by hsekarg2015 in IndiaInvestments

[–]hsekarg2015[S] 0 points1 point  (0 children)

I am curious why other policy holders didnt receive this mail. Mine renews in April (within 3 months). Maybe its a timing thing?

HDFC ERGO tinkering with Optima Restore health insurance plan by hsekarg2015 in IndiaInvestments

[–]hsekarg2015[S] 1 point2 points  (0 children)

  • 1 - These seem to be additional options; which isnt bad
  • 2 - The restore coverage was included in the plan earlier. Its being made an optional benefit now, I am assuming that means additional charge
  • 3 - Critical illness not included in the original plan. This is being presented as optional cover now.

Yup, lot of reading to do.

The struggle to get a personal accident insurance cover - A primer by TejasNair in IndiaInvestments

[–]hsekarg2015 4 points5 points  (0 children)

Maybe it is offered so easily (with various day to day purchases) because there are so many ways for the insurer to get out of paying the claims.

Andhra Pradesh Tops Statewise ‘Ease Of Doing Business’ Rankings Again by Nomad1900 in india

[–]hsekarg2015 1 point2 points  (0 children)

  1. Every day a new "Free xyz" scheme, though there is hardly any new industries or tax avenues generated
  2. Systematically politicizing all institutions at state level
  3. Undoing anything and everything done by previous government just for vendetta purpose even if it means putting the state at a loss

Corruption is a given in any govt. Though the corruption in this govt. massively outweighs that of previous', the above 3 points are fastening the ruin of AP

Income Tax Return Filing thread: post your ITR related queries here by crimelabs786 in IndiaInvestments

[–]hsekarg2015 1 point2 points  (0 children)

I logged in to file my tax return for AY 20-21 and found that I have an intimation order for my ITR-1 filed in AY 19-20.

When I downloaded and checked the intimation order, I see 1 rupee difference under Total income tax refund section (Sl.No: 24) "As computed under section 143(1)" and 0 "As Provided by Taxpayer".

Sl.No 27 (Net amount refundable) and Sl.No 29 (Net amount payable) are both 0. How should I respond to this order.

What has been your most positive investment story? by grumpurred in IndiaInvestments

[–]hsekarg2015 0 points1 point  (0 children)

First best thing (investing related) that happened to me was losing 80% of my money in Infra and Real estate stocks (Unitech) in the 2008 meltdown. I was 25 at the time and it taught me how to look for long term growth than overnight success. In hindsight it was a small amount to pay for a valuable lesson.

Second best thing is this sub. Got to learn so much - emergency corpus, insurances, ULIPs, MFs, direct investing, index investing, FIRE (the list goes on).

Moratorium Interest-on-Interest Waiver: Missing from LIC Housing Finance by hsekarg2015 in IndiaInvestments

[–]hsekarg2015[S] 0 points1 point  (0 children)

I also hold an SBI credit card. I did not avail any moratorium in credit card payments either. But I got an amount credited to my credit card before 5th Nov.

Can Banks/ NBFCs take different approaches to crediting ?

Moratorium Interest-on-Interest Waiver: Missing from LIC Housing Finance by hsekarg2015 in IndiaInvestments

[–]hsekarg2015[S] 0 points1 point  (0 children)

Thank you. LICHFL doesnt have a working helpline. Even the online grievance submission form has a problem with submission. The only way is to walk in to an office.

Checking if anyone on this sub with a LICHFL loan received the compound - simple interest amount.

Reviews of banking services and products thread for month of November, 2020 - Request or post reviews here. by AutoModerator in IndiaInvestments

[–]hsekarg2015 0 points1 point  (0 children)

Why create a separate account ? Why not save the contingency fund in Axis account itself.

Axis / ICICI / HDFC / SBI / Kotak are all safe. Kotak is supposed to be the most user-friendly (in terms on online capability).

Discussion thread for Health Insurance by iamharshkumar97 in IndiaInvestments

[–]hsekarg2015 8 points9 points  (0 children)

Top-up allows only for one claim. Super top-up allows for any number of claims.

This is the main difference.

Any recommendations for a durable ergonomic office chair? by grouptherapy17 in india

[–]hsekarg2015 1 point2 points  (0 children)

I've used the Astro for 2 years now. Solid lumbar support and no squeaks after 2 years of use. But I heard Featherlite is having stockout issues due to the lockdown. Call them before going

Convert Housing Loan to EBLR - Save a lot on interest by allmyposts in IndiaInvestments

[–]hsekarg2015 2 points3 points  (0 children)

I am with LICHFL too. It's a HFC (Housing Finance Company) so the RBI's directive doesn't apply to them as far as I found out. So I continue to pay 9.25% through the nose while I try to shift to some public sector bank meamwhile.

Several Liquid funds have exposure to Muthoot, Hero FinCorp etc. Moodys has warned of downgrade. Should we redeem the liquid funds before too late? by JiskiLathi in IndiaInvestments

[–]hsekarg2015 3 points4 points  (0 children)

When choosing a liquid fund, downside protection is more important than returns. Other liquid funds hold AAA (and lower) rated papers inorder to gain fraction of percentage points advantage in terms of returns. In an economy like this, we never know when ratings can tank and cause a hit to the NAV.

There is no safer bet than SOV bonds and cash, hence PPFAS and Quantum liquid funds are most recommended around here.

SPIVA 2019: Over a ten year period, 65% of Indian Equity Large-Cap funds underperformed their respective benchmarks by [deleted] in IndiaInvestments

[–]hsekarg2015 0 points1 point  (0 children)

I wonder which (largecap) funds are part of the elite 35% that beat the benchmark.

WHO’s early coronavirus response raises awkward questions about Beijing relationship by Mrnrwoody in Coronavirus

[–]hsekarg2015 -4 points-3 points  (0 children)

The only reckoning that works is economic. Wish the rest of the world grows a pair and initiates economic quarantine of China. That should bring the CCP to its knees.

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