What the global commodity crash means for you

THE ECONOMIC TIMES Tue, Dec 01, 2015 | 09:33 AM IST ET Wealth Newsletter Fine print of claiming tax benefit on life insurance premium decoded The tax benefit on premium paid for a life insurance policy is an important additional advantage of life insurance. Making digitized policies mandatory will give e-insurance a boost: Subbarao Mukkavilli, Karvy Insurance Repository An insurance repository is a facility which allows policyholders to digitize their insurance policies or, in other words, hold their policies in a demat form. What the global commodity crash means for you Global commodity prices have slid to multi-year lows raising fears of a worldwide recession. Here's how you can safeguard your portfolio. Five probable reasons for income tax scrutiny High value transactions related to real estate or done via credit card in a particular year could be a cause for scrutiny. Does a high CTC necessarily mean a high salary? Most large companies tend to follow the CTC concept. However, the extent to which they may be doing so may be different. Tips on how to bounce back after startup failure Take some time off. This is critical, irrespective of how guilty you feel about not earning or not contributing to the world. Quote of the week "Challenge is to win trust of customers" Anuj Mathur Family Finances How Senthil Kumar can achieve long-term financial goals in phased manner Buying a house is a priority for Kumar but this means that he will have to stagger his investments to reach his other goals. Financial Planning Are you managing liquidity effectively? Here's what to do The inability to generate cash at short notice is an issue faced by many. Portfolios should be built keeping liquidity in mind. Money-making venture Startup Zostel offers affordable accommodation facilities to travelers Zostel, which hosted over 20,000 backpackers last year, received Rs 5 crore funding from Malaysia-based angel investor Presha Paragash in May 2014. 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 Should you invest in a multi-manager fund? The tangible benefit of taking this route is that one can apply for multiple schemes under a single application with a single cheque. ET Wealth-PlanCover.com rankings: Best health insurance plans for young couples Confused about health insurance plans? In the first of this fortnightly series, we list the top contenders for couples in the 18-40 age group. How a day trader lost Rs 95 lakh in stock market His experience reinforces experts' advice: trading is not the same as investing — for some, akin to gambling — and it's best if you avoid it. Improving rentals, expected turnaround of Palladium Hotel makes Phoenix Mills good bet The company's debt-equity ratio in 2014-15 was only around 2%. It is falling further, due to cash flows generated from new launches. How MF investors can provide additional KYC information for FATCA/CRS compliance From January 1, 2016 even existing investors who wish to make fresh purchases, need to meet the additional KYC requirements. 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: No threat of Emergency today: Venkaiah Naidu

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

		India
		No threat of Emergency today: Venkaiah Naidu  Naidu's remarks came in the backdrop of Congress President Sonia Gandhi's targetting of the government yesterday on the issue of intolerance alleging that ideals and principles of the Constitution were under threat and being attacked deliberately. AAP MLA Akhilesh Tripathi gets bail The court had on November 23 issued non-bailable warrant against Tripathi, the fifth lawmaker of the ruling party to be arrested, for his non-appearance. Duty of state govts to ban cow slaughter: Union minister Jyoti "There are a lot of things to eat in this country apart from cow," Union minister Sadhvi Niranjan Jyoti said here while stressing that it was the "duty" of state governments to ban cow slaughter. More India News»

		Business
		Govt finances improve on better tax collection The government finances look healthier at the end of October, thanks to a spurt in indirect tax collection and an early start to the disinvestment programme. Cos put safety first for women in field work The value of gender diversity at workplace has been well recognized. But India Inc is often stumped by challenges that crop up when women employees are deployed in the field, especially in semiurban and rural areas. Quikr, CommonFloor differ on merger status Monday was a field day for rumours around Quikr's negotiation with online real estate aggregator CommonFloor for an acquisition, with sources on each side giving journalists conflicting information. More Business News»

		Environment
		Despite outcry, Japan to resume whaling Japan will dispatch a whaling fleet to the Antarctic after a one year suspension, the government said, defying international criticism and a UN legal ruling that the “research“ expedition is a commercial hunt in disguise. Rare migratory bird spotted in the Nilgiris For A Indrajith and his grandfather A Boopathy November 21 was a most memorable day, as they got a chance to record one of the rare migratory birds – a blue and white flycatcher (cyanotic cyanomelana) – at Kotagiri in the Nilgiris. Why Maharashtra Raj Bhavan's colourful peacocks are disappearing Killer Mongooses Attack Birds And Gobble Up Eggs On 47-Acre Estate More Environment News»

		World
		'Turkey to act 'patiently' against Russia's sanctions' Turkish President Tayyip Erdogan said on Monday his government would act "patiently and not emotionally" before taking any measures in response to Russia's decision to impose sanctions on Turkey. 17 dead in fight at overcrowded Guatemala prison Seventeen prisoners were killed in a gang brawl inside an overcrowded Guatemalan prison, including seven who were decapitated, officials said Monday. UN chief proposes peacekeepers for Burundi UN Secretary-General Ban Ki-moon said Monday that deploying peacekeepers to Burundi was an option to quell the violence but recommended that a UN team be first sent to help bolster dialogue. More World News»

		Entertainment
		Sharman: Madhuri-Kimi Katkar were very sexy  His body of work is not huge but diverse. He’s proud to be a part of some landmark films of Indian cinema, and now, the talented Sharman Joshi sheds his inhibitions for his first erotic thriller, Hate Story 3. In this interview, the seemingly reclusive actor opens up on past failures, the lessons they taught him and why ‘campism’ in Bollywood doesn’t bother him. Katrina: 6 Celebs who influenced her life Why Bollywood doesn't need sci-fi films If there is any one genre that has been royally ignored by Bollywood, it has to be science-fiction, or so the pseudo-Hollywood geeks claim. More Entertainment News»

		Science
		Israel aiming to recreate wine Jesus, King David drank The new crisp, acidic and mineral white from a high-end Israeli winery was aged for eight months — or, depending on how you look at it, at least 1,800 years. Build own video game story with this 'tool' Scientists, including one of Indian-origin, are developing a new tool that can allow people to easily build their own digital story worlds for video games consisting of ‘smart’ characters and objects. A flexible, stretchable rubber keyboard Scientists have developed a soft, flexible and stretchable keyboard using a type of rubber known as a dielectric elastomer that can be wrapped around any object. More Science News»

		Sports
		HWL Final: India lose 1-3 to Netherlands, finish last in pool Netherlands took the lead in the 36th minute through a penalty corner conversion by Mink van der Weerden before Mirco Pruijser (43rd) and Roel Bovendeert (54th) scored two field goals. India's lone goal came from the stick of Chinglensana in the 47th minute. DDCA still mum on Virender Sehwag felicitation The DDCA is still mum on whether it would arrange a felicitation ceremony for the retired legend Virender Sehwag, with their standard answer being "no communication from BCCI". Neymar on Ballon d'Or shortlist alongside Messi, Ronaldo Neymar has made the three-man Ballon d'Or shortlist for the first time, alongside Barcelona teammate Lionel Messi and title holder Cristiano Ronaldo. More Sports News»

		Technology
		OnePlus X review The elegant design, display panel, performance and clean software are the highlights of OnePlus X, and even the battery life is not too bad. In the camera department, the smartphone offers a decent snapper that falters slightly under lowlight conditions. Microsoft launches Lumia 950, 950 XL; priced at Rs 43,699 and Rs 49,399 Microsoft has launched its new line of Lumia smartphones in India. The all-new Lumia 950 and 950 XL go on preorder starting today on Amazon, Reliance Digital stores and Microsoft Priority sellers. The users who pre-order the smartphones will get Microsoft Display Dock, worth Rs 5,999, free. Is HTC declaring a war on Micromax, Xiaomi & Lava? The phone manufacturer’s plans of grabbing an 8% marketshare in the affordable category suggests so. More Technology News»

		Education
		Smriti Irani gives GIAN to the nation at IIT-Gn Union minister of human resource development (MHRD) Smriti Irani on Monday inaugurated the ambitious MHRD scheme titled `Global Initiative of Academic Network (GIAN)' to boost quality of the country's higher education institutes at Indian Institute of Technology Gandhinagar (IIT-Gn). India launches initiative to boost higher education India on Monday launched the Global Initiative of Academic Networks (GIAN) scheme to boost the quality of the country's higher education through international collaboration. Indian institutes need to improve perception for better global ranking: Irani Several higher educational institutions in India produce quality research, but they need to improve their "perception index" if they are to secure better standing in global rankings, the government said on Monday. More Education News»

		Mumbai
		Factories Act gets Prez nod, women can now work night shifts On Monday , President Pranab Mukherjee gave his assent to the landmark Factories (Maharashtra amendment) Bill, 2015, paving the way for women to work in factories in night shift. High-profile railway ticket tout arrested The RPF arrested a travel agent from south Mumbai for fraudulently booking e-tickets. Vipul Parikh (49), who runs Parikh Tours and Travels, and his employee, Ketan Bhatt (48), were booked on Friday. 'Cos fear loss of face, don't file cyber cases' Few corporates lodge FIRs in cyber crime cases despite 94% of top honchos indicating that such attacks are a major threat to organizations across the country, revealed a survey report released by the police on Monday. More Mumbai News»

		Delhi
		Despite uproar, Jan Lokpal Bill tabled Deputy chief minister Manish Sisodia tabled Delhi Jan Lokpal Bill 2015 on Monday even as opponents continued to criticise it as a denatured version of the janlokpal conceived during the Anna Hazare movement of 2011. Season's first continuous fog in city The capital experienced its first spell of continuous fog between Sunday night and Monday with two hours of dense fog reported from Indira Gandhi International Airport between 6am and 8am on Monday. Rlys gears up to 'weather' the storm The Delhi division of the northern railway has geared up to tackle early morning fog to ensure smooth running of trains. The fog is expected to get denser in the first week of December, and the railway is mapping signals on GPS and has planted detonators on the tracks. More Delhi News»

		Bangalore
		Congress and BJP finalize candidates for MLC polls, JD(S) still confused The Congress and BJP have finalized candidates for a majority of the 25 seats to the December 27 legislative council polls. But the JD (S) is yet to do so, as confusion reigns in the party . Maiden flight to SFO is almost full It's almost full. The first nonstop flight from India to the Sili con Valley--more precise ly, from New Delhi to San Francisco (SFO) in the US -has seen 98% of its 238 seats booked. Visa processing centre's door set on fire for the second time The door of a visa processing centre located on the sixth floor of Mittal Towers, MG Road, was set on fire by unidentified miscreants on Sunday night. More Bangalore News»

		Hyderabad
		Cops begin probe into delivery by schoolgirl Police on Monday registe red a ra pe case and laun ched a probe in to delive ry of a ba by by a 15 year-old class IX student of a government school at Madhapur on Saturday afternoon.Both the young mother and the baby girl are said to be safe. HC miffed over AP govt's inaction on farm suicides The Hyderabad High Court on Monday directed the AP agriculture department's principal secretary to be present in court to explain steps taken to avert crisis in the farm sector and to dissuade farmers from committing suicide. Traders divided on Metro realignment U-turn The TRS government's U-turn on the proposed realignment of metro rail project has divided traders of Sultan Bazaar.Despite fear of loss of livelihoods rom large-scale demolition of shops, the traders of the area are now split on the issue and have begun sparring. More Hyderabad News»

		Chennai
		TN tops in FIRs filed against illegal mining Tamil Nadu tops in registering first information reports (FIRs) in cases relating to illegal mining of major and minor minerals in the country, minister of state for mines Vishnu Deo Sai said in the Lok Sabha on Monday. Cables snap in rain, electrocute 3 High voltage cables that snapped in squally wind and rain electrocuted two women and a 15-year-old school student in the city and a village on the outskirts on Monday. Nowhere to drain: Shoreline under water It's bad news for those living along the south eastern coast. They will have to live amid the stagnant pools of water brought by the record spells of rain over the past few weeks as there is no way for the water to drain. More Chennai News»

		Ahmedabad
		CBI court orders further probe in kids contracting HIV A special CBI court on Monday ordered the Central Bureau of Investigation (CBI) to carry out further probe and nail criminal liability in connection with thalassaemic kids contracting HIV through blood transfusion at the Junagadh civil hospital. The court rejected clean chit to all concerned authorities given by the probe agency . FIR filed for derogatory remarks on Ambedkar The city crime branch has registered an FIR against, Ashutosh Shivam, who has posted derogatory remarks against the father of Indian Constitution, Dr BR Ambedkar, at a social networking site. Surge in women's voting in district, taluka polls Women voters showed more enthusiasm during the district pancha yat, taluka panchayat and municipality elections compared to their participation in the recently held municipal corpora tion polls. More Ahmedabad News»

		Allahabad
		Tourism ministry identifies 12 circuits in UP for development under Swadesh Darshan scheme The Ministry of Tourism has identified 12 circuits for development under the Swadesh Darshan scheme in UP. Elaborate security for first phase of panchayat polls, say cops Around 12.59 lakh voters including 8.20 lakh male and 4.39 lakh female would cast their franchise in the first phase of panchayal poll for the post of member, gram panchayat and pradhan at 1,060 polling booths in five development blocks including Meja, Urwa, Koraon, Manda and Karchana on Saturday. Allahabad as car thieves' paradise: 1044 cases reported in 10 months The city of Sangam has once again gained notoriety after registering highest (1044) cases of car thefts in Allahabad zone in past 10 months of this year. Ironically, apart from Kaushambi and Fatehpur, five out of eight districts including Pratapgarh, Banda, Hamirpur, Mahoba and Chitrakoot have too registered 10-33 percent rise in cases of car thefts. More Allahabad News»

		Bhubaneswar
		Class 9 dropout ASHA from Odisha draws PM's applause It was just another busy day for Jamunamani Singh when she received the greatest news of her life. Prime Minister Narendra Modi showered praise on the accredited social health activist (ASHA) for her work to control malaria in her locality in Balasore district. Government appoints Aditya Padhi as new chief secretary The state government on Saturday appointed 1983-batch IAS officer Aditya Prasad Padhi as the next chief secretary of the state. Abdul Kalam thought of quitting presidency over Bihar dissolution: SM Khan Former president APJ Abdul Kalam had thought of resigning when the Supreme Court quashed the presidential proclamation dissolving the Bihar assembly without allowing chief minister Nitish Kumar to prove his majority on the floor of the house in 2006. More Bhubaneswar News»

		Bhopal
		Madhya Pradesh ATS dispatched to interrogate alleged ISI handlers in Delhi Madhya Pradesh Anti-terrorist Squad (ATS) has dispatched its team to Delhi to interrogate Kafaitullah Khan alias Master Raja, the alleged handler of Pakistan’s spy agency Inter-Services Intelligence (ISI), following inputs that he was assigned to recruit handlers at Bhopal during 'Ijtema'. Speeding bus crushes 31-year-old man in Bhopal Vehicle zipping through at high speed on the roads along Bus Rapid Transit System (BRTS) corridor took the life of a 31-year-old man near ongoing ROB at Habibganj underbridge on Monday afternoon. World AIDS day: Indore, Jabalpur, Bhopal top AIDS decade chart As a decade’s record from 2005-2015 showed that Madhya Pradesh recorded 43, 959 HIV positive cases, Indore, Jabalpur and Bhopal were on the top of the charts, with a maximum number of HIV positive patients. Indore, reported 9695 cases in the last one decade, which contributed to 2.40% of total tested cases in the city. More Bhopal News»

		Chandigarh
		DSGMC welcome shifting of 1984 genocide trial to Patiala court on its plea Delhi Sikh Gurdwara Management Committee (DSGMC) has welcomed shifting of hearing in trial against Sajjan Kumar in 1984 Sikh genocide from Karkardoma court to Patiala house court, by Delhi High Court. Tent City for Sikh pilgrims at Nankana Sahib proposed In wake of ever increasing number of Sikh pilgrims consequently creating acute accommodation shortage, Pakistan government has proposed to erect a Tent City in Nankana Sahib, birth place of Sikh’s first master Guru Nanak Dev, on the lines of Tent City of Mina located near holy city of Mecca. 'No proposal to ban items made from calf leather in Haryana' The BJP-led Haryana government, that put into force a stringent cow protection law earlier this month, has no plans to ban the sale of items made from calf leather in the state, the Assembly was informed here on Monday. More Chandigarh News»

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