Skip to main content

How to maintain the safety of your Credit Card?

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)
 

 

Have you ever wondered how companies, organizations, or even retailers have obtained your personal contact information or even asked yourself where all those endless mailers on promotions, events or subscription offers have come from? Now, ask yourself, do you want it to stop?

Although it may be helpful for consumers to be well informed of promotions or happenings, it also raises the question of privacy and control of using consumer's personal information. To help you take that step ahead and sit in the driver's seat, here are some ways to assist you.

Make Your Preferences Known

As a consumer, you can first start asserting your rights, by :

  • Spending some time to think about offers you have received over the past year.
  • Then see if you can identify the sources, whether offline or online, which have been linked to your name.
  • Identify which offers you would like to no longer receive further information from.
  • Thereafter contact these organizations you joined, magazines you subscribed to, charities you have supported, and your credit card issuer to ask them to delete your name from lists they rent to other organizations and merchants.

    On the other hand, you should also follow through with your credit report, which is a good source of financial information. A credit bureau can examine the status of your credit report:
  • Call the credit bureau once a year for a copy of your credit report.
  • Check your report before applying for a job that requires a security clearance or background check.
  • If there is something wrong with the report, inform the credit bureau immediately. Correcting errors quickly will help prevent inaccurate information from being circulated.

Protect Your Information

Here are ways to safeguard your information from fraudulent use.

Credit Card and Bank Account Numbers

  • Do not give your credit card or bank account number to any unsolicited caller who is unknown to you and seeks to sell you something or offers you a prize.
  • Be cautious about doing business on the spot with someone who calls you without a reference.
  • Check out unfamiliar companies by calling your local consumer protection office.
  • Memorize your personal identification number (PIN) for ATM transactions. Keep it in a separate place from your card, and never use your identity card number or PIN number as a password.
  • Keep your credit card account numbers in a confidential place. Sign new cards as soon as you receive them.
  • Destroy and discard carbon copies of receipts, copies of airline tickets, or anything else that displays your card number.
  • Do not allow a merchant to record your credit card number on a cheque, receipt, or other document.
  • Do not put your address, telephone number, or other personal information that does not appear on the front of your credit card on a credit card receipt.

Now That You're in the Driver's Seat

Always feel free to inform and express appreciation to your bank, credit card issuer, or merchant for providing an opt-out and making it work. You can also tell pollsters, the media and others that you patronize companies that follow good privacy policies with respect to consumer information. As you learn more about how businesses use financial and consumer information, you can gain more control over it and reap personal benefits.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax Plan Invest Online
  2. HDFC TaxSaver Invest Online
  3. DSP BlackRock Tax Saver Fund Invest Online
  4. Reliance Tax Saver (ELSS) Fund Invest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) Fund Invest Online
  7. SBI Magnum Tax Gain Scheme 1993 Invest Online
  8. Sundaram Tax Saver Invest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFunds Invest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund

Popular posts from this blog

How to generate a UAN Online

Best SIP Funds Online   In order to make Employees' Provident Fund (EPF) accounts portable, the Employees' Provident Fund Organisation (EPFO) had launched the facility of Universal Account Number (UAN ) in 2014. Having a UAN is now mandatory if you have an EPF account and are contributing to it. So far, you got this number from your employer and every time you changed jobs, you had to furnish this number to the new employer.  However, in order to make it easier for you to get a UAN , and without your employer's intervention, the EPFO now allows you to go online and generate a UAN on your own. This facility can be used by freshers, or new employees, who are joining the workforce as well as by employees who have older EPF accounts but do not have a UAN as yet. As a new employee, you can simply generate a UAN and provide the number to your employer at the time of joining, when you need to fill up forms for your EPF contribution. As per a circula...
Read more

Am you Required to E-file Tax Return?

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Am I Required to 'E-file' My Return? Yes, under the law you are required to e-file your return if your income for the year is Rs. 500,000 or more. Even if you are not required to e-file your return, it is advisable to do so for the following benefits: i) E-filing is environment friendly. ii) E-filing ensures certain validations before the return is filed. Therefore, e-returns are more accurate than the paper returns. iii) E-returns are processed faster than the paper returns. iv) E-filing can be done from the comfort of home/office and you do not have to stand in queue to e-file. v) E-returns can be accessed anytime from the tax department's e-filing portal. For further information contact Prajna Capit...
Read more

Total Returns Index brings out real Equity Funds Performers

From February, equity mutual funds have to change their benchmarks to account for dividend payments. Until now, funds used price-based benchmarks alone. TRI or total return indices assume that dividend payouts are reinvested back into the index. What this does is lift the overall index returns, because dividends get compounded. For example, the Sensex TRI index will consider dividend payouts of its constituent companies while the Nifty50 TRI index will consider dividends of its constituents. Using TRI indices as benchmarks comes on the argument that an equity funds earn dividends on the stocks in its portfolio, which they use to buy more stocks. Therefore, using an index that also considers dividend reinvestment would be a more appropriate benchmark. Shrinking outperformance With a stiffer benchmark, it is obvious that the margin by which an equity fund outperforms the benchmark would shrink. Rolling one-year returns from 2013 onwards, the average margin by which largecap funds out...
Read more

Income Tax Basics for beginners

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Tax is a compulsory payment made to the Government, but there are ways to optimise it   Income tax is an instrument used by the government to achieve its social and economic objectives. Simply put, tax is duty or tariff that income earning individuals pay to the Government in exchange of certain benefits such as law and order, healthcare, education and a lot more. With proper planning, your tax liability can be reduced and optimised effectively, leaving you with a greater share of your income in your hands than being paid out as tax. Income earned in the twelve months contained in the period from 1st April to 31st March (Financial Year) is taken into account when calculating income tax. Under the Income Tax Act this period is called the previous year.   ...
Read more

HDFC Prudence Fund

Best SIP Funds to Invest Online   HDFC Prudence Fund is now HDFC Balanced Advantage Fund HDFC Prudence Fund (HPF ), the country's largest equity-oriented mutual fund scheme with assets close to Rs 37,000 crore, will now be known as HDFC Balanced Advantage Fund and can switch entirely between equities and debt. Until now, it could invest only 40-75% in equities. On 25 April, HDFC Asset Management Co. Ltd announced plans for many of its schemes, as part of the ongoing merger and re-categorisation exercise. Most other fund houses, too, have announced their plans to re-categorise their schemes. If you don't agree with your schemes' new form, you have a chance to exit without paying an exit load. Here's how you should decide what to do. Your scheme could change... If there is no change to your scheme, you have nothing to worry about. But if your scheme is about to change, check how big or small it is. For instance, if you own a large-cap fund th...
Read more
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now