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
98: RBI hasn’t cut repo rate, but borrowers can expect lending rates to soften
February 20, 2020 12:57 - 7 minutes - 6.8 MBThough there was no rate cut in the monetary policy review that happened on 6 February, the RBI has taken several measures that would lead to loans getting cheaper for new as well as existing borrowers. We tell you what the big changes are and how they can impact you.
97: The process to claim tax deduction under Section 80G has changed.
February 19, 2020 08:11 - 6 minutes - 6.13 MBIn Budget 2020, the finance minister has proposed certain changes in the way one claims the deduction under Section 80G. The FM also proposed changes with respect to the registration of charitable institutions that are allowed to take such donations.
96: Should you switch from MCLR to external benchmark
February 18, 2020 09:47 - 6 minutes - 6.17 MBAfter the RBI’s policy on February 6, it could be beneficial for some of you to stick to MCLR regime in the short term. The central bank has taken measures to bring down the cost of funds for banks, which in turn would lead to a downward revision in MCLR.
95: How to prepare yourself to face the financial impact of Coronavirus
February 17, 2020 12:17 - 7 minutes - 6.77 MBCoronavirus has resulted in over 1000 deaths in China as per Media reports. Casualties have been reported outside China as well. The virus outbreak is also expected to have an economic impact on China as well as other countries as economic activities have halted across China due to shutdown of many manufacturing units. Lets understand how this can impact your finances and how you should deal with the situation.
94: Legal nitty-gritties NRI property buyers should know
February 14, 2020 06:25 - 10 minutes - 9.32 MBFor non-residents, buying a property can be a complicated affair due to various regulations. We spoke to chartered accountants, lawyers and property consultants to get answers to the common queries that non-residents have when they are looking to buy a house in India.
93: Should you invest in NPS?
February 13, 2020 05:32 - 7 minutes - 6.56 MBNPS is a retirement product with tax benefits and low costs. On the flip side, it does have a long lock-in
92: When are you eligible for deposit insurance?
February 10, 2020 08:41 - 6 minutes - 6.05 MBAfter the Punjab and Maharashtra Cooperative Bank (PMC Bank) scam dragged down the confidence of depositors, there was pressure on the government to increase the insurance cover which was static since 1993. Though the deposit insurance cover cap has been raised, there are enough people voicing their concern on social media.
91: Can you keep switching between old and new tax regime?
February 07, 2020 12:14 - 5 minutes - 5.24 MBSome taxpayers can keep switching between the new and the old tax regime introduced in the Union Budget. This allows some taxpayers to compare the two regimes and choose where he or she is paying lower taxes.
90: Why you should switch out of dividend plans of mutual funds
February 06, 2020 16:13 - 8 minutes - 7.64 MBBudget 2020 has abolished dividend distribution tax on dividends of mutual funds. It has made dividends taxable at slab rate in the hands of investors. However, this will lead to higher tax burden on investors in all but the lowest tax slabs. Mint explains how and what you can do about it.
89: How TCS (Tax Collected at Source) will apply to your foreign travel, education, investments
February 05, 2020 13:26 - 4 minutes - 3.94 MBTCS (Tax Collected at Source) will be deducted on packaged foreign tours, but it's not applicable on separately booked items like tickets and hotels. TCS is also deducted on foreign education and investments for expenses above Rs 7 lakh per year.
88: Now you get rewarded for a higher credit score
February 03, 2020 09:24 - 5 minutes - 4.74 MBCredit score is increasingly becoming a tool for institutions to evaluate potential risk. But individuals who maintain a high credit score have not got any commensurate benefits for being credit conscious. This has started changing slowly. We tell you where do you get the best deals on loans depending on your credit score.
87: CPSE ETF - Should you subscribe?
January 30, 2020 08:55 - 5 minutes - 5.16 MBThe next tranche of the CPSE ETF is opening on 31st January to the public, with a 3% discount. The ETF has 12 PSUs in its portfolio, but has delivered poor returns over the past 3 and 5 years. What are the pros and cons of this investment product?
86: Tax truths before Budget 2020
January 29, 2020 08:32 - 5 minutes - 5.34 MBIndian's don’t like to pay taxes which among other things also limits meaningful reforms. Here are some interesting facts on income tax.
85: What financial planners think Budget 2020 should deliver
January 28, 2020 09:33 - 6 minutesIn the upcoming Budget 2020, expectation of tax payers and investors from the government on the personal tax front is high especially given the economic slowdown and recent cuts in corporate tax rates. Here is what financial planners wish government should do.
85: What financial planners think Budget 2020 should deliver
January 28, 2020 09:33 - 5 minutes - 5.32 MBIn the upcoming Budget 2020, expectation of tax payers and investors from the government on the personal tax front is high especially given the economic slowdown and recent cuts in corporate tax rates. Here is what financial planners wish government should do.
84: Bullet journaling can help you organise your financial life
January 24, 2020 12:48 - 4 minutes - 3.85 MBWith the innumerable things that we have to keep track of, it's easy to get overwhelmed. To deal with this, millennials are turning to a trend that is taking over Instagram and Pinterest: bullet journaling. We tell you how to start your own bullet journal to better organize your money life
83: Budget wishlist to make taxes simpler
January 24, 2020 10:53 - 5 minutes - 4.82 MBMint Money outlines three Budget proposals to de-clutter personal tax for an average taxpayer.
82: What economists expect from Budget 2020
January 22, 2020 07:39 - 4 minutes - 4.49 MBGrowth is at 4.5% and inflation is at 7.35%. So what do the economists say? First of all, they are all concerned about weak demand in the economy and have hence asked for measures to revive demand.
81: CxOs share their Budget wish list
January 21, 2020 05:19 - 6 minutes - 6.32 MBAt a time when the country’s economy is hit by the worst slowdown in over a decade, what the budget holds for various sectors becomes all the more important. Eleven days before finance minister Nirmala Sitharaman presents Budget 2020, Mint's Disha Sanghvi spoke with the C-suite from three key sectors—healthcare, travel and tourism, and financial services—to understand what they expect from it.
80: Five myths people fall for when making tax-saving investments
January 17, 2020 10:54 - 5 minutes - 4.92 MBThere are only limited tax-saving deductions available under the Income-tax Act and it is important that we make the most of it and not fall for any preconceived notions. We help you bust five myths people fall for while planning their tax-saving investments.
79: Beware of tax considerations leading to wrong investment choices
January 16, 2020 06:54 - 5 minutes - 5.18 MBFocusing only on the tax benefits of an investments can lead to unintended consequences such as too much or too little exposure to asset classes in the portfolio. It is important to be mindful of the goals which in turn should drive the asset allocation and the products included in the portfolio.
78: Changes tax experts want from Budget 2020
January 15, 2020 07:01 - 3 minutes - 3.63 MBThis year hopes are very high from the finance minister to announce some tax cuts for individuals in the budget. As the economy is growing at a slower pace, it is anticipated that the government will announce some tax cuts to boost consumption.
77: What do millennials want from Budget 2020
January 14, 2020 06:54 - 4 minutes - 3.89 MBMillennials make up the largest age-group wise segment of the Indian workforce and are considered growth drivers for the economy as a whole. With the Union Budget just around the corner, what are their expectations from the government when it comes to factors like the start-up ecosystem and taxation? Social media influencer and entrepreneur Ranveer Allahbadia tells us what he wants from the Budget.
76: Look beyond 80C deductions to reduce your tax liability
January 13, 2020 06:17 - 5 minutes - 5.36 MBThere are different sections of the Income-Tax Act other than Section 80C that can help you save tax. We tell you about different categories under which these deductions are available and its various conditions.
75: Five instruments to save tax under Section 80C investments
January 10, 2020 09:13 - 5 minutes - 4.63 MBAn individual can reduce his tax burden by investing under various instruments and get benefits of up to Rs1.5 lakh under Section 80C of the Income-tax Act. We tell you about five instruments that you can invest in according to a holding period that suits you.
74: Three expenses that qualify for tax deductions
January 09, 2020 09:02 - 5 minutes - 5.06 MBBefore you scout for the best tax saving instruments, know that several expenses that you incurred during the year can be claimed as tax deductions under various sections of the Income-tax Act. We tell you about three such expenses that qualify as tax deductions.
73: Get a hold of your unclaimed bank deposits
January 08, 2020 07:58 - 5 minutes - 4.66 MBt’s a whopping Rs 14,307 crore is lying with banks unclaimed. We discuss how to get hold of you unclaimed deposits and what happens when there are no claimants to such accounts.
72: Existing borrowers should shift to new benchmark
January 07, 2020 07:58 - 6 minutes - 5.93 MBWe discuss why home loan borrowers should shift to the new external benchmark that RBI had introduced last year in October.
71: Fintech trends that will make your life easier in 2020
January 06, 2020 12:55 - 6 minutes - 5.86 MBWe look at four trends in fintech industry which can redefine financial products. These include travel insurance product where you don’t need to file a claim. A card from a fintech player that offers no mark-up fee when used abroad and the accompanying app takes care of the security. Listen to the podcast for more.
70: 5 financial mistakes to avoid in 2020
January 03, 2020 16:07 - 6 minutes - 5.95 MBAs the year 2020 begins, we bring to you five financial mistakes to avoid this new year.
69: 4 financial resolutions for the New Year
January 02, 2020 21:58 - 6 minutes - 5.67 MBSmall changes can make a big difference. Here are four financial resolutions that you can make this year to be on a better footing with your money in 2020. The podcast also discusses the way you can fulfil them and strategies that you can use.
68: How you can earn interest on gold under gold monetisation scheme
December 31, 2019 06:19 - 5 minutes - 5.04 MBGold Monetisation scheme was launched by the government in 2015 to bring the idle gold lying with the household in the financial system. Under the scheme you can deposit the idle gold with you with a bank and earn interest on it. Here are the other features of the scheme that you should know about
67: Multiple ways of investing in gold
December 30, 2019 08:17 - 5 minutes - 4.73 MBApart from buying gold in physical form, there are multiple ways in which you can invest in gold online or digitally. These are cost-effective compared to buying physical gold. Here are the various options through which you can invest in gold.
66: Taxation of gains from different forms of gold investments
December 27, 2019 10:54 - 5 minutes - 4.68 MBWhenever you are planning to invest in any instrument, taxation is one of the most important aspects that you should look at. So, if you are planning to invest in gold, you should also compare the different option on the basis of how the gains will be taxed. Here is how your gains from different gold investment option will be taxed. Listen this podcast of Why Not Mint Money for all the details.
65: All you need to know about sovereign gold bonds.
December 26, 2019 08:38 - 5 minutes - 5.01 MBIf you wish to invest in gold digitally there are multiple options available in the market. One of the most recommended options is sovereign gold bonds for those willing to invest in gold for long-term. These bonds are issued by the Reserve Bank of India (RBI) on the behalf of government. Let’s understand what the features of these bonds and the advantages they offer over other forms of investing in gold.
64: Signs that tell you about purity of gold jewellery
December 26, 2019 08:34 - 4 minutes - 4.57 MBWe all generally buy gold jewellery at some point of time in our lives. But most of the times we focus on the design and looks of it rather than looking at the most important aspect that is purity of gold used to make that jewellery. We often take the words of the jewellers. But do you know that majority of the jewellery we buy is not certified for purity. Here are the four signs that you need to look at before buying the gold jewellery to ensure that it is of desired purity.
63: All about Portfolio Management Services (PMS) in India
December 24, 2019 09:29 - 4 minutes - 4.51 MBPMS is a financial product in which a portfolio manager takes care of your portfolio in return for a fee. Listen the full podcast to learn about Portfolio Management Services (PMS) in India.
62: What 2019 taught Mutual Fund investors.
December 23, 2019 06:19 - 5 minutes - 4.74 MB2019 has been an extraordinary year for mutual fund investors. The year began with a sudden crash in the shares of Zee entertainment. Here are the five important lessons of 2019 for Mutual Fund investors. Listen to this podcast for all the details.
61: How to invest in foreign stocks
December 20, 2019 17:05 - 4 minutes - 4.42 MBForeign stocks can diversify your portfolio and reduce country risk. If you don’t want to pick stocks, you can also invest in foreign ETFs (Exchange Traded Funds). There are also ETFs tracking the markets of other developing economies like Brazil, South Africa and Vietnam.
60: Cheat sheet for filing your income tax returns.
December 19, 2019 07:01 - 5 minutes - 5.26 MBWhen it comes to your work, you may know it all. But the poor knowledge about your finances could fill you up with panic. For thousands of millennials who’ve joined the salaried ranks for the first time, the new year will bring with it a new worry— taxes. Listen to this podcast by Mint's Disha Sanghvi as she helps all the first-time workers with a cheat sheet for filing their income tax return.
59: 5 things to know before opening a bank locker
December 18, 2019 06:22 - 4 minutes - 4.11 MBMost of us like to keep our valuables in bank lockers rather than home safes. But before you open a bank locker it's important to take note of the rules, terms and conditions and the applicable charges. Listen to this podcast by Mint's Disha Sanghvi as she tells you 5 things you must know before opening a bank locker.
58: How to pack the right travel insurance policy
December 17, 2019 07:38 - 5 minutes - 5.25 MBUnexpected events can mess up your travel itinerary and become a financial nightmare. While You may be super excited for that upcoming holiday, don’t let any untoward event rain on your parade. Listen this podcast by Mint's Disha Sanghvi as she tells you how to go about packing the right travel insurance policy.
57: How to tidy up your financial portfolio
December 16, 2019 10:39 - 5 minutes - 4.78 MBToo many investments, especially of the same nature, often is the result of fuzzy goals or last minute rush to save taxes. But too much of anything is never a good idea. Listen this podcast by Mint's Disha Sanghvi as she tells you how to do away with the problem of plenty in your financial portfolio.
56: Why you should stay away from Payday loans
December 13, 2019 11:30 - 3 minutes - 3.61 MBWhile this is the age of social media and your virtual image is given great importance, it also means an increased number of lifestyle spends. You need that extra money so you're not seen repeating the same clothes in all your Instagram posts, right? But what do you do when you realise you've run out of cash? Look at borrowing some quick money through payday loans? Listen this podcast as Mint's Disha Sanghvi tells you what payday loans are and why you need to keep away from them.
55: All about Bharat Bond ETF
December 12, 2019 06:57 - 4 minutes - 4.56 MBWhy Not Mint Money explains what Bharat Bond ETF is, what its advantages are and what its pitfalls are. Listen before investing.
54: All you need to know about the Sukanya Samriddhi Yojana
December 09, 2019 09:26 - 4 minutes - 3.93 MBThe Sukanya Samriddhi Yojana offered by the central government seeks to help parents with girl children save up for their daughters' future. We tell you when and how to open an account for your child.
53: All you need to know about the Senior Citizens Saving Scheme
December 06, 2019 04:22 - 4 minutes - 4.42 MBThe Senior Citizens Saving Scheme (SCSS) is a social security scheme offered by the central government. Anyone over 60 can open an SCSS account and make the most of the lucrative interest rate. We tell you all you need to know about opening an SCSS account.
52: All you need to know about PPF
December 06, 2019 04:15 - 4 minutes - 3.81 MBPPF or public provident fund is a go-to tax saving investment for most Indians. Not only does it give steady returns, it also has the government guarantee, which helps investors feel secure. While the interest rate offered by PPF is high, since it is revised quarterly by the government, there is always a chance of it being lowered.
51: Three things to consider if you are planning to prepay your home loan partially
December 03, 2019 08:03 - 5 minutes - 4.74 MBMany of us avail of a loan to buy our dream house. But loans of any kind become a burden on your finances. So, it’s better to get rid of them soon. One way to do it is to utilise that extra bonus of yours to partly prepay your loan. Remember that making part prepayment early on during the loan tenure helps you save on the interest cost of your home loan. Here are a few other things you need to keep in mind while you consider making part prepayment to your home loan.
50: Making sense of an endowment policy
December 02, 2019 10:31 - 5 minutes - 4.76 MBTraditional insurance plans are opaque products and the benefit illustration is your best friend in decoding these products. Here’s how.