Why Not Mint Money
849 episodes - English - Latest episode: 2 days ago -Discover the Why Not Mint Money podcast for financial success. From savvy money-making strategies to expert tips on maximizing your savings, we've got you covered. Join us on this journey to unlock your financial potential.
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Episodes
148: How students can ease their education loan worries
July 15, 2020 05:44 - 8 minutes - 8.02 MBHow students can ease their education loan worries Covid-19 has impacted lives and livelihood across the globe. For students and recent graduates, repayment of education loan is a cause for worry because new hiring has almost come to a standstill and layoffs and pay cuts are on the rise. Adding further to the distress the US ICE agency recently said students whose colleges have shifted fully online will not be allowed to stay in the country. On this episode, we tell you how students can navi...
147: Do you need a ₹1 crore health cover?
July 13, 2020 10:00 - 7 minutes - 7.24 MBGiven the increasing medical costs, some insurers and aggregators such as Max Bupa, Religare Health and Policybazaar are recommending a ₹1 crore cover, with an explanation that a high-value cover would provision for treatment abroad, offer higher room category and cover all degrees of ailments or diseases. But do you really need a ₹1 crore cover? On this episode of Why Not Mint Money, we tell you why a ₹1 crore cover may not be a great deal for a middle-income household and some tips on ho...
146: Why you should consider shifting your home loan
July 11, 2020 08:57 - 8 minutes - 7.94 MBPublic sector banks have aggressively lowered home loan interest rates for new customers. Borrowers should evaluate if switching to a different bank would result in savings for them. The Why Not Mint Money team gives tips on how to go about it.
145: What to do if you get laid off close to retirement
July 08, 2020 10:10 - 6 minutes - 6.33 MBThe COVID-19 pandemic has taken a toll on jobs and livelihoods of many, but those in the 60-80 age group have been especially hard hit. Losing your job just before retirement can feel like the end of the world, but there are ways to streamline your finances to make it easier. We tell you how.
144: Bharat Bond ETF: Should you subscribe?
July 06, 2020 08:32 - 5 minutes - 5.36 MBIn this episode, Mint's personal finance team explains what this product is along with the new variants being launched from 14 July. We give you the advantages and the disadvantages of it so you can judge whether it suits your financial requirements.
143: Know the impact of EMI moratorium on home loan tax deductions
July 03, 2020 08:55 - 6 minutes - 5.84 MBMany people who have opted for EMI moratorium on home loan, don’t know that it can also impact the tax deductions one can claim against the principal repayment and interest outstanding. However, the net impact on the tax liability will be a function of both the interest payable for the relevant year and the principal repayment actually made for the year subject to the overall limits allowed. We tell you the likely impact of EMI moratorium on your tax deduction in case you have a home loan.
142: Generate your own electricity bill to avoid getting a shock later
July 01, 2020 09:37 - 6 minutes - 6.28 MBOver the past week, as many electricity distribution companies resumed meter reading, customers started receiving enormous electricity bills and took to social media to talk about it. We tell you what you can do to generate an accurate bill and avoid shelling out a lump sum if meter reading gets suspended.
141: Why you shouldn't look at insurance as a discretionary expense
June 29, 2020 08:34 - 6 minutes - 6.36 MBIf there’s anything the Covid-19 pandemic has helped us realize, it’s the fact that life is filled with uncertainties and there’s no way one can foresee an unfortunate event. Medical inflation is skyrocketing and life itself is unpredictable. On this episode of Why Not Mint Money, we tell you why you cannot afford to look at life and health insurance as a discretionary expense
140: DIY investors seek expert advice as COVID-19 bites
June 26, 2020 10:08 - 9 minutes - 8.86 MBWith market volatility, interest rates going down, dropping incomes due to pay cuts and layoffs, and an overall grim economic outlook, it seems more and more DIY investors are turning to financial planners and advisors to get a hold of their money life. Tune in to know what pushed these investors to consult a financial planner in the middle of a pandemic and the changes they've seen.
139: COVID financial crunch hits easy loans
June 24, 2020 10:07 - 8 minutes - 8.09 MBWith covid-19 taking a toll on discretionary spending, borrowing to fund lifestyle expenses has come to a grinding halt. Nilanjana Chakraborty explores how this will impact digital lending platforms going forward.
138: A bucket approach to retirement planning may insulate you from market falls
June 22, 2020 08:14 - 5 minutes - 5.24 MBAfter you retire, you can simply decide to withdraw a specific amount from your savings every year and increase the amount every year to adjust for inflation. But the bucket approach goes one level deeper. We tell you how it works.
137: Read the fine print before going for an offer by a developer
June 19, 2020 08:30 - 6 minutes - 6.31 MBResidential property sales have plunged after the COVID crisis. Developers are coming out with new offers to attract homebuyers. But most developers are facing cash flow problems right now due to poor sales. So it's important for you to gauge their ability to fulfill the promise. We tell you how you should evaluate offers from developers.
136: IRDAI betters COVID health plan but is it enough?
June 17, 2020 09:56 - 8 minutes - 8.16 MBThe Insurance Regulatory is said to have withdrawn the draft guidelines it issued on a standard COVID-19 health insurance product earlier in June and has instead proposed a benefit-based product. We review the new proposed product to help you understand what it is and whether you should go for it.
135: Loan recovery practices of apps can hit you hard
June 15, 2020 10:33 - 8 minutes - 7.34 MBWhat started as an easy way of accessing credit has turned into a nightmare for many as loan apps use aggressive recovery strategies. We tell you how to protect yourself from such a situation.
134: Reasons why your portfolio return could differ from that of the equity market
June 12, 2020 12:30 - 6 minutes - 5.76 MBThe markets have shown a sharp recovery over the past few days. S&P BSE Sensex the broad market indicator has gained over 30% between 23 March and 11 June . On 23 March Sensex had touched the lowest point in the recent market crash. However, some investors may not have seen a similar recovery in their portfolio. Lets understand what could be the probable reasons.
133: Foreign Education Dreams in Peril: Weigh the options
June 10, 2020 07:38 - 8 minutes - 7.54 MBFor students who plan to study abroad, Covid-19 has brought with it a set of challenges. We tell you what the challenges are and how you can deal with them. Listen in!
132: The next big disruption in banking
June 08, 2020 08:18 - 7 minutes - 7.13 MBCan neo-banks change banking like Uber changed taxi services and OYO changed hotel accommodation?
131: You may be denied loan if you opted for EMI moratorium
June 05, 2020 11:53 - 6 minutes - 5.85 MBMany people have opted for EMI moratorium despite the fact that the RBI and banks clearly stated that it comes with an additional cost. However, there is an unintended consequence which people might have to face if they have opted for EMI moratorium. We explain how taking moratorium can lead to rejection of your fresh loan application despite the fact that RBI has stated that it will not have an impact on your credit score.
130: What you could lose if you cancel a property booking
June 03, 2020 09:11 - 7 minutes - 6.94 MBThe COVID-19 crisis and ensuing financial uncertainty have forced many to shelve their dreams of buying a home for now. But if you cancel a property booking, you may have to forfeit your initial deposit or get caught in a legal battle.
129: As interest rates sink, where do fixed income investors go?
June 01, 2020 09:23 - 6 minutes - 6.04 MBThe stoppage of the Government of India 7.75% bonds (RBI Bonds) has greatly narrowed down options for fixed income investors. To get higher returns, they can either go for long maturity products or take on some credit risk in a measured way. Mint explains.
128: Insurers want, but hospitals don't want to standardize COVID-19 treatment cost
May 29, 2020 10:46 - 9 minutes - 8.4 MBWith no cap on costs and low footfall in hospitals, insurers are worried that hospitals may end up over-billing, the brunt of which will be borne by the insurance companies as well as the uninsured patients. Mint's Disha Sanghvi and Deepti Bhaskaran spoke with insurance companies, hospitals and a few other experts to understand what really the issues are. On this episode, we tell you why insurers want standard Covid-19 treatment costs. Listen in!
127: Does it make sense to take loans against your assets?
May 26, 2020 11:53 - 7 minutes - 6.5 MBThe pandemic has resulted in a cash crunch for many, and if you find yourself in a tough spot, you might want to liquidate your assets to ease the situation. But in some cases, it makes more sense to take a loan against your investments. We tell you the pros and cons of both options.
126: Should you go for cheaper COVID-19 personal loans?
May 22, 2020 12:30 - 6 minutes - 6.19 MBGovernment banks have come up with a new personal loan product for their existing customers. The interest rates on these loans are lower than a regular personal loan, and the eligibility criteria are relaxed. Should you opt for them if you had a pay cut or your employer is not paying salary during the lockdown?
124: Financial independence and retiring early - the FIRE community
May 20, 2020 12:30 - 6 minutes - 6.4 MBThe FIRE community has taken a serious hit during the COVID-19 pandemic. With the pandemic taking its toll on even the most savvy of investers, is it still possible for FIRE dreams to comoe true? Let's see how these people are coping up in India. Tune in to know more.
123: What does the EPF relief announcement mean for you?
May 18, 2020 08:36 - 7 minutes - 6.56 MBThe Finance Minister made an announcement reducing the monthly provident fund contribution for both employee and employer from 12% to 10% for the next three months. While the move is aimed at providing more liquidity for the employees, it might have other implications as well. Tune in to know more!
122: Extension of RERA projects a bane for homebuyers
May 15, 2020 09:05 - 7 minutesThe government, on Wednesday, extended the deadline for registration and completion of projects under RERA by six months. The move may be a relief to the developers but can cause distress to homebuyers. Tune in with Renu Yadav to know more!
122: Extension of RERA projects a bane for homebuyers
May 15, 2020 09:05 - 6 minutes - 5.66 MBThe government, on Wednesday, extended the deadline for registration and completion of projects under RERA by six months. The move may be a relief to the developers but can cause distress to homebuyers. Tune in with Renu Yadav to know more!
121: 'Revenge Spending' and how it will dent our wallets
May 12, 2020 16:08 - 7 minutes - 6.89 MBOnce we go back to normal consumer habits after the lockdown, will we go back to our habit of relentlessly overspending, or will our wallets get a breather? In this episode, we look at the trend of 'Revenge Spending' and connect emotion with consumerism. Tune in!
120: Reasons for delay or rejection of PF withdrawal under covid-19 claims
May 08, 2020 07:38 - 6 minutes - 6.39 MBThe government decided to provide a helping hand to those who are facing a cash crunch amid the covid 19 pandemic. It allowed people to withdraw money from their provident fund account. However, many people have complained on social media platforms about delays in receiving the money or rejection of claims. We explain you the reasons which could result in delay and rejection of claims.
119: Lessons from 2008 crisis to weather COVID-19 storm
May 07, 2020 06:18 - 10 minutes - 9.68 MBIn this episode, Mint's Disha Sanghvi brings you stories from the 2008 recession. Stories of three men who faced extreme consequences during the financial crisis of 2008, the lessons they learned and whether it prepared them to cope with the ongoing COVID-infected economy. Listen in!
118: Four money lessons from Warren Buffett’s AGM
May 07, 2020 05:14 - 9 minutes - 8.48 MBAt the AGM of Berkshire Hathaway, legendary investor Warren Buffet addressed how people should handle their debts and investments following the COVID-19 pandemic. We bring the four major takeaways that can help you make better money decisions.
117: Lessons debt fund investors can learn from the Franklin Templeton debt fund crisis
May 04, 2020 14:53 - 6 minutes - 6.13 MBThe sudden shut down of six debt schemes by Franklin Templeton mutual fund has shaken the confidence of investors in debt funds. The event has come as a shock to investors who often use these funds to earn some extra returns over and above what they could earn from bank fixed deposits. The event has once again highlighted the inherent risks in debt funds.
116: What the RBI Special Liquidity Facility means for debt mutual fund investors
May 01, 2020 12:43 - 6 minutes - 5.87 MBThe COVID-19 lockdown brought in a wave of fear among debt fund investors who redeemed large sums of money from the funds holding low rated paper. The surge in redemptions forced debt funds to borrow money to honour the redemptions. This is because they were unable to sell their holdings, in a market that had become illiquid. On April 23rd, Franklin Templeton Mutual Fund froze 6 debt schemes with a corpus around Rs 26,000 crore and announced their winding up. To calm down investors, RBI anno...
115: Tiding over pay cuts and layoffs amid Covid-19.
April 29, 2020 10:40 - 7 minutes - 6.69 MBEmployees across most industries are experiencing one of the three situations— indefinite leave without pay, deep pay cuts or layoffs. Salary cuts and job loss definitely means changing the way you live and spend, but you need to play smart to tide over the situation with minimum pain. On this episode, Mint's Disha Sanghvi tells you how to deal with the two situations.
114: COVID-19 Impact: Tough times ahead for those seeking loan
April 15, 2020 14:55 - 8 minutes - 7.44 MBThe lockdown due to the COVID-19 pandemic has caused a lot of uncertainties. Businesses are losing money and salaried and facing pay cut or job losses. Due to this, it is expected that banks would be extra cautious to lend. They are going to make their lending criteria stringent. Listen in as Mint's Tinesh Bhasin on how the pandemic has impacted the retail loan segment.
113: How you can benefit from the rally in gold prices
April 08, 2020 10:18 - 7 minutes - 6.49 MBAs the world is fighting with the pandemic, Coronavirus, the stock markets across the world have witnessed huge corrections in the past two months, severely denting the financial portfolios of many. There has been a spike in the bond yields which has resulted in losses to investors of debt instruments such as debt mutual funds. However, there is one asset class that has delivered positive returns for the investors this year so far and that is gold. Let’s understand why gold has done well thi...
112: COVID-19 Impact: How to withdraw from your EPFO account
April 03, 2020 15:11 - 5 minutes - 5.35 MBSubscribers of the Employees’ Provident Fund Organization (EPFO) are now allowed to withdraw a portion of their retirement savings to beat any liquidity crunch arising out of the COVID-19 lockdown. Mint's Disha Sanghvi takes you through the withdrawal process
111: All you need to know about the EMI moratorium
April 02, 2020 12:00 - 4 minutes - 4.14 MBIn order to provide relief to borrowers who could be facing liquidity issues due to the country wide lockdown, the Reserve Bank of India announced few measure last Friday. One of them which gathered a lot of attention was the three-month moratorium on EMIs on different loans. However, there are various queries people have regarding the moratorium. Here are the answers to some of the common queries.
110: Why you need an individual health policy
March 31, 2020 13:21 - 7 minutes - 6.54 MBCOVID-19 has wreaked havoc across the globe. The country-wide lockdown to curb the spread of the virus could have extreme repercussions on the economy, resulting in possible job cuts. While these are trying times, the pandemic should be a nudge for you to buy an individual health policy and not just bank on what your employer provides. Listen in as Mint's Disha Sanghvi explains why.
109: What does data say about investing after market corrections
March 16, 2020 09:12 - 6 minutes - 5.66 MBData from Kuvera about Nifty 50 returns from 1990 to 2019 tell us about what sort of returns investors have historically got after market corrections.
108: Are markets now undervalued?
March 13, 2020 08:58 - 5 minutes - 4.73 MBTaher Badshah of Invesco Mutual Fund gives Neil Borate his views on how attractive market valuations are after the more than 20% correction in the past month. He also tells us, why Invesco Contra Fund has outperformed its benchmark and peers.
107: All you need to know about Coronavirus and health insurance
March 09, 2020 13:15 - 8 minutes - 7.78 MBWhile several advisories are floating around on prevention of the Coronavirus, will your health insurance cover the disease if you indeed happen to get infected? Anup Rau, MD and CEO of Future Generali India Insurance answers this question.
106: How women should plan for two major milestones in their lives
March 06, 2020 13:54 - 10 minutes - 9.29 MBTwo of the major milestones in women's lives is getting married and having kids. As joyous as both the occasions are, they can both derail your independence--financial and otherwise--if you don't plan carefully.
105: How to navigate through the Yes Bank quagmire
March 06, 2020 13:52 - 6 minutes - 5.55 MBIf you are a banking customer or investor affected by the moratorium on withdrawals from Yes Bank, here are 5 points of concern that you may have and we give you the course of action to consider.
104: Markets and Airfares see correction. What should you do?
March 03, 2020 08:32 - 7 minutes - 6.78 MBOn this episode of Why Not Mint Money, Mint's Disha Sanghvi helps you understand why the markets are fearful and how you should deal with the current situation in terms of your investments and travel plans.
103: Should mutual fund investors worry about coronavirus
March 02, 2020 09:16 - 9 minutes - 8.27 MBVidya Bala of Primeinvestor tells mutual fund investors whether they should worry about the Coronavirus. She also tells investors what lessons they should take from the debt crisis, how to approach international investing and the prospects of passive funds against actively managed funds.
102: SBI Mutual Fund's Rajeev Radhakrishnan on debt funds
February 28, 2020 09:29 - 6 minutes - 6.38 MBRajeev Radhakrishnan, head fixed income at SBI Mutual Fund answers the big debt fund questions for investors in 2020.
101: Coronavirus threat- Your travel insurance queries answered
February 27, 2020 13:06 - 5 minutes - 5.24 MBAccording to the World Health Organization, there are as many as 79,331 confirmed cases of Novel Coronavirus globally and on February 24 alone, 715 new cases were reported. Watch this episode as Mint's Disha Sanghvi answers some pertinent questions that you might have about your travel insurance as Coronavirus casts a shadow on those traveling to China and neighboring countries.
100: How millennials can avoid month-end financial stress
February 27, 2020 13:04 - 8 minutes - 7.48 MBWe’re living in a world where billions of dollars and the best of marketing minds are at work trying to get us to spend our money. What should really be a want has now become a need. On this episode, Mint's Disha Sanghvi shares some tips on how millennials and zillennials can avoid month-end money blues.
99: Small finance bank FDs at 9%. Should you invest?
February 26, 2020 09:48 - 5 minutes - 5.11 MBMany small finance banks offer 8-9% on fixed deposits of one to three years compared with an average of 6-6.5% that large public and private sector banks give. In Budget 2020, the finance minister increased the insurance cover on bank deposits to Rs 5 lakh. Better returns with a higher cover make FDs of small finance banks a compelling investment option. Should you invest?