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Personal Finance

Retirement: Embrace holistic planning

There is more to retirement planning than ensuring enough monetary corpus to last out a long retired life (almost as long as the working career itself). Unfortunately, even corporate executives nearing retirement, do not think about retirement at all and the few who do, concentrate on the monetary resources required for retired life. As the example of my friend Yogesh shows even a well planned retirement plan can have it's twists and turns but is better than none at all. Harsh's article in the business standard. Your comments and suggestions are welcome as always.
Financial

IEPF Data

Insurance

Insurance: High surrender charges deter exits

Most people reading this article would have experienced the bank's "relationship manager" trying to (mis)sell a life insurance policy to them. Harsh's article in Business Standard on the economics that push the bank to cannibalise on their own deposits and convert them into Life Insurance premiums. Comments/ disagreements welcome.
Governments

Usher in transparency, not price controls

Hon’ble Supreme Court has asked the Union Health Ministry to coordinate with the states to roll out of a common pricing structure for hospital services across the country. This is impractical for many reasons – Real estate prices – which is a significant part of the cost of hospital services – vary widely from location to location, the quality of equipment and personnel also vary widely making availability of hospitalisation services within a standard price range impractical. Harsh's article in Business Standard on how enforcing transparency on pricing of hospital services might be a better first step towards achieving the ...
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