Recent stock market crash: What you should do now

THE ECONOMIC TIMES Tue, Sep 01, 2015 | 09:36 AM IST ET Wealth Newsletter Don't get lured by discounted offers on car insurance; Here's why you need to be cautious When monetary loss is borne by the insured, it is called deductible. It can be compulsory or voluntary. Quality of services and past experience driving purchase behavior of customers: Sanjay Datta, ICICI Lombard GIC The general insurance industry did witness some impact of the economic slowdown as growth slowed to single digits in FY 2015. Recent stock market crash: What you should do now The Sensex hit a 52-week low last week. Find out if this is a short-term market correction or the beginning of a bear phase. RBI clears 11 payment banks: How you stand to gain They will offer services through own network of access points, business correspondents or networks provided by others. Debt funds look more attractive in the short term, say experts Long-term debt funds could deliver up to 15% return in the next one year if the RBI cuts interest rates as expected. Do you really need a high value health insurance policy? A significant rise in medical inflation has seen health insurance cos offering very high value covers. However, you may not really need them. Quote of the week "When you look outside India, for example, Brazil, Russia, China or Indonesia, all of a sudden, India looks like a million roses." Taimur Baig,Deutsche Bank Family Finances Chauhans need to streamline investments, increase equity exposure The Chauhans not only need to realign their portfolio, but also make fresh investments to meet their primary goals with ease. Financial Planning In a stock market crisis stay away from risky options It is difficult to predict how a market crisis will play out. Therefore, one should protect one's money rather than try to benefit from a crash. Money-making venture Driving mobile monetisation Mogae Media targeting Rs 200 crore revenue This three-year-old start-up provides mobile marketing services and helps businesses connect with the mobile-using consumer. Entrepreneurs How the Rs 160 crore StarAgri is helping farmers manage their produce Our aim is to connect with 25 lakh farmers. We want to become every farmers' dream partner in their success Financial Calculators Plan your car Car cart! Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. Home Loan Refinance Should you refinance your home loan? Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate. More Calculators Just upgraded to a new smartphone? Here are your must-have apps Facebook, Twitter, Gaana, CloudMagic and Lookout are few of the apps you must download onto your smartphone. MNCs see India as biggest marketplace for products: Saravana Kumar, LIC Nomura Mutual Fund PSU banks will show improvement in performance, while duration funds will remain the best bet for investors, says Saravana Kumar. Why angel investing may not work for retail investors Angel investing may appear rewarding, but the risks far outweigh the gains. So, if you are thinking of turning an angel investor? Think again. Don't avoid insurance because of the hike in service tax Insurance is the bulwark of your financial planning because it safeguards your and your family's financial future. Greaves Cotton set to flourish with improving margins The company saw a 10% fall in revenue. Despite the fall, the company has impressed the market because of a robust growth in profit. More Newsletters ET Mutual Fund A weekly round-up of the top news and views from the mutual fund industry. Markets Watch Round up of stock, currency, bond, money and real estate market ET Investment Opportunities Property, Stocks, IPOs, NFOs, Mutual Funds and latest investment options in your inbox. Daily Newsletter Special stories that round up the major developments of the day. Follow Us on ET: About us|Advertise with us|Terms of Use|Privacy Policy|Feedback|Sitemap|Code of Ethics © 2015 Times Internet Limited. To ensure delivery directly to your inbox, please add etnotifications@indiatimes.com to your address book today. If you are having trouble viewing this newsletter, please click here To unsubscribe or edit your subscriptions please click here

News Digest: Indira Gandhi considered bombing Pak's nuclear program in 1981

		THE TIMES OF INDIA
		Tuesday, September 01, 2015
		Today's Headlines

		India
		Indira Gandhi considered bombing Pak's nuclear program in 1981 India was cognizant of the threat from Pakistan's nuclear weapons program and then Prime Minister Indira Gandhi may have considered eliminating it when she returned to power in 1981 long before it neared fruition, a CIA assessment from that era has revealed. Russia-Pakistan defence ties discomfit India Despite reservations expressed by India, Russia is looking to broaden its nascent defence partnership with Islamabad by expanding a contract to supply assault helicopters to the country. Labourers rebuild Kedarnath, with 'ghosts' for company A bunch of workers are taking a small tea break, tired from the shovelling and lifting being done in Kedarnath as part of the reconstruction work. More India News»

		Business
		HDFC Bank cuts rate by 35bps to 9.35% In a move that will put pressure on other lenders to cut rates, HDFC Bank has slashed its base rate by 35 basis points to 9.35% from 9.7% earlier. Q1 GDP growth slows to 7%, spurs calls The country’s economic growth slowed in the April-June quarter triggering calls for a cut in interest rates and deeper reforms to accelerate the momentum. RBI to look at positive factors: FM Finance minister Arun Jaitley has said that the Reserve Bank of India (RBI) will take note of the fact that inflation is broadly under control, oil and commodity prices are low and prospects of a better-than-expected agricultural production, when it reviews monetary policy. More Business News»

		Environment
		'Environment conservation, development must go together' Union minister Prakash Javadekar on Monday underlined the need to strike a balance between environment conservation and development, saying both are equally important for the survival of humanity. Vehicular air pollution increases heart attack risk Even short term exposure to particulate matter and nitric dioxide (NO2) air pollution, that originate predominantly from the combustion of fossil fuels such as emissions from industrial plants or vehicles increases risk of severe heart attacks, research has found. Conservation project helps revive Mahseer in rivers A four-decade-old conservation project has enabled the return of Mahseer in Indrayani river.Experts say the endemic fish, which can only be found in clean waters, was not spotted in the river since the 1970s. More Environment News»

		World
		'Satellite images confirm destruction of Palmyra temple' Satellite images confirm the destruction of another famed temple in Syria's Palmyra, the United Nations said late Monday. 150 more Clinton emails have classified information: US About 150 more of Hillary Clinton's work emails have recently been designated as containing classified information, the U.S. State Department said on Monday ahead of the public release of the latest batch of emails Clinton handed over last year. Grenade explodes during Ukraine clashes; 1 officer killed As lawmakers took up a measure to give greater powers to separatists in eastern Ukraine, nationalist protesters clashed with police outside parliament on Monday, and the Interior Ministry said one officer was killed in a grenade blast and more than 100 were wounded. More World News»

		Entertainment
		Stars who have never put on weight Here is a list of actresses who we feel have never put on weight. Read on. When glamorous beauties went de-glam Glamour is the most important ingredient in most of the Bollywood films. However, some actresses dared to face the camera sans their vanity kit and surprised us by looking their best. Here are some of the glamorous actresses who pulled off the de-glam look in films. Celebs and the career they never had While they may be top-notch stars today, a host of Bollywood celebrities had tried their luck at various other places before they got their big break. Here's a list of stars and the career they never had. Read on to find out... More Entertainment News»

		Science
		Use of antibiotics may lead to diabetes: Study Use of antibiotics may be linked to higher risk of diabetes, according to a latest study published in an international journal. New Horizons heads for icy rock, a billion kms beyond Pluto : Nasa’s New Horizons spacecraft, now some 56 million kilometers beyond Pluto, and 4.9 billion kilometers from Earth, will head for a mysterious 45 kilometer wide object floating in the icy Kuiper Belt. A daily walk 'can add seven years to your life' Just 25 minutes of brisk walking a day can add up to seven years to your life, according to health experts. More Science News»

		Sports
		3rd Test: Ishant raises expectations of series victory Sri Lanka ended the fourth day on 67/3, needing a further 319 runs to beat India and take the series. Talking Points: Ashwin returns, Ishant fired up TOI Sports recaps the key moments from day four at the SSC. Gavaskar denounces on-field scuffles during Lanka series Gavaskar loathed the way Indian and Lankan cricketers got involved in ugly on-field altercations, saying such incidents are poor advertisement for the sport. More Sports News»

		Technology
		Windows 10, one month later: The good & the bad It’s been almost a month that we’ve been using a Windows 10 PC+tablet hybrid to find out if it’s worth an upgrade. Prepare a new dossier! Pakistan's cyber Mujahideen hit India Financial institutes have been facing a growing number of cyber attacks. Blogger gets legal notice for using Flipkart logo Flipkart has sent a cease and desist letter alleging copyright infringement and cyber squatting. More Technology News»

		Education
		CID to investigate missing TET question papers case CID has taken over the probe into the case of missing question papers of the Teacher Eligibility Test (TET) in West Bengal. Website launch International, a global accrediting body and membership association for B-schools, recently launched a website to facilitate and curate a global conversation for the future for business education. Paid internship For the past 30 years, the Mountbatten Institute has been offering a year's paid internship with postgraduate studies in New York and London. The institute is inviting applications from India for the March 2016 intake, with a deadline of October 31, 2015, for completing the online application, which will be followed by two interview rounds. More Education News»

		Mumbai
		Indrani, Khanna drove to Pen with Sheena's body 'seated' between them Chilling facts keep tumbling out in the Sheena Bora murder case. The newest is that Sheena Bora’s corpse was kept in a sitting position on the rear seat of the car, between former INX CEO Indrani Mukhrjea and her second husband Sanjeev Khanna, as they drove all the way to Pen the morning after the murder to dump the body.  SC dismisses plea for cancelling Salman Khan's bail The Supreme Court on Monday dismissed a plea seeking cancellation of bail granted to Salman Khan by the Bombay HC in a hit and run case in which the actor was awarded a five-year jail term by the trial court. Forger, Indrani exchanged 21 mails on Sheena's sign Police probing the Sheena Bora murder case have found that 21 emails were exchanged between Indrani Mukerjea and her staffer who allegedly forged Sheena’s signature after the murder at Indrani’s behest. More Mumbai News»

		Delhi
		Cops given 2-day deadline to fix routes for trucks National Green Tribunal on Monday directed Delhi Police to submit within the next two days its plans to create alternative routes for heavy polluting vehicles. Speeding car tosses man to death A 25-year-old plumber was killed in the early hours of Monday when a speeding Mercedes car hit his bike near Preet Vihar, east Delhi. Monu Singh fell on a police barricade whose sharp `no parking' sign slashed his neck. SC dismisses plea for cancelling Salman Khan's bail The Supreme Court on Monday dismissed a plea seeking cancellation of bail granted to Salman Khan by the Bombay HC in a hit and run case in which the actor was awarded a five-year jail term by the trial court. More Delhi News»

		Bangalore
		Days before council's birth, Palike moots 15% property tax increase The BBMP has proposed to increase property tax by 15%, days before the formation of its new council. Theatreperson, 26, jumps to death A 26-year-old theatreperson was found dead in mysterious circumstances in a tony apartment complex in southeast Benga luru on Sunday evening. Karnataka recommends CBI probe into rationalist Kalburgi's murder Karnataka on Monday recommended a Central Bureau of Investigation (CBI) inquiry into the murder of eminent Kannada scholar and rationalist MM Kalburgi. More Bangalore News»

		Hyderabad
		P3Ps, T-Towners walk for charity in Hyderabad P3Ps, T-Towners walk for charity in Hyderabad 'Pregnant' with drugs, woman lands in Hyderabad A 32-year-old South African national, who claimed to be "seven-month pregnant", was arrested for trying to smuggle in narcotic substance concealed in her belly and urogenital tract, at the RGI Airport on Sunday morning. Fear grips AP district as 'Injection Psycho' pricks away Fear has gripped villagers in West Godavari district as the 'Injection Psycho' — on the prowl for the last one week — continues to attack unsuspecting people, particularly women. More Hyderabad News»

		Chennai
		HC panel raps Tamil Nadu over poor upkeep of ancient temples A Madras high court-appointed committee has slammed the Tamil Nadu government for shoddy renovation and poor upkeep of centuries-old heritage temples in the state. Annamalai Univ distance edu to go on The Madras high court has stayed an UGC order directing Annamalai University not to admit students in its distance education programme for the academic year 2015-2016. Panel to deal with illegal Ooty, Kodai bldgs Shrugging off its initial reluctance to take over “municipal duties” and order demolition or regularization of illegal buildings dotting popular tourist destinations Ooty and Kodaikanal, the Madras high court has formed two committees headed by two former judges to monitor enforcement of building rules in the hills. More Chennai News»

		Ahmedabad
		2532 seats vacant in BBA, BCA, BCOM colleges in Gujarat University There are about 2532 seats vacant in the, Bachelor of Business Administration, Bachelor of Computer Application and Bachelor of commerce colleges in the city. Onion Rs 100 per kg in retail While petrol diesel prices are seeing a fall in the prices, the prices of Onion crossed the Rs 100 marks in the retail market in areas like satellite and especially the western part of the city. Dismissed IPS officer Sanjiv Bhatt allowed conditional travel to UK A sessions court on Monday decided to hand over passport for one month to dismissed IPS officer Sanjiv Bhatt to allow him to travel to UK on certain conditions. More Ahmedabad News»

		Allahabad
		Babu makes train take unscheduled 8-minute tea break A long-distance express train without a scheduled stop at Bareilly was forced to take an eight-minute break, just so the intense craving that a senior railways official had for tea could be satisfied. Trains to now have e-reservation chart Indian Railways is going to introduce electronic reservation charts in trains. Onboard housekeeping service in trains to improve cleanliness The Allahabad division of North Central Railway has launched onboard housekeeping service (OBHS) to give impetus to cleanliness in trains. More Allahabad News»

		Bhubaneswar
		54 infant deaths at Cuttack hospital in 2 weeks Fifty-four babies have died over the past 12 days at the state government-run Sardar Vallabhbhai Patel Post Graduate Institute of Paediatrics in Cuttack (popularly known as Sishu Bhawan), putting the Naveen Patnaik-led BJD government in a tight spot. Central team finds critical gaps in facilities in Cuttack hospital Even as reports pour in about more infants dying at Odisha’s Sardar Vallabhbhai Patel Post Graduate Institute of Paediatrics, a central team submitted its report to the health ministry on Monday highlighting severe infrastructural lapses, staff shortage as well as hygiene issues as the contributory factors for the deaths. Police, Puri shrine lock horns over rath climbing The Shree Jagannath Temple Administration (SJTA) and Puri police are at loggerheads over climbing of a female devotee onto Jagannath’s chariot during July Nabakalebara Rath Yatra. More Bhubaneswar News»

		Bhopal
		Loo & behold: 175 brothers have special Rakhi gift In a big boost to Swachch Bharat campaign in northern Madhya Pradesh, 175 brothers gifted toilets to their sisters on occasion of Rakshabandhan festival in Gwalior district. Rain brings relief from sultry heat, more in store today Residents got respite from sultry weather conditions as a strong spell of showers lashed the state capital on Sunday afternoon. Showers continued till evening hours. Vyapam makeover: Glitch hits first test First online exam by MP professional examination board (MPPEB), after it underwent makeover, was conducted amid tight security at 14 exam centres in state capital. More Bhopal News»

		Chandigarh
		Springdale School, Amritsar wins the Business quiz 2015 and Interschool Debate Students of 22 schools across North India participated in the Annual Regional Business Quiz 2015 and Interschool debate competition hosted by Vivek High School, Chandigarh at their Auditorium in sector 38. RGNIYD organizes training trainers on life skills Chandigarh based Rajiv Gandhi National Institute of Youth Development (RGNIYD), Sector 12 under the aegis of Ministry of Youth Affairs and Sports, Government of India in association with District Institute Education Training (DIET) organized a Seven-day long Training of Trainers on Life Skills which concluded on Monday amidst massive participation of regional teachers in Leh. BSF recovered 4 kg heroin from near Indo Pak border Border Security Force (BSF) personnels recovered 4 kilogram of heroin valued at around Rs 20 crore in the international market on the intervening night of August 30 and 31 from near border outpost Rattoke in Ferozpur sector. More Chandigarh News»

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