Please guide me

I have just completed reading PDF of Issue dated 21 February 2013 of Moneylife. It cleared my doubts about PPF (Public Provident Fund) account limits combined for guardian and minor. Believing the bank official’s words, I started putting Rs1 lakh each in my and my son’s PPF account. After reading the article, it is clear that I am making a mistake. Now, the question is how do I sort it out?...

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‘Financial illiteracy’

This is with regard to “Reliance Life ULIP mis-selling: Justice served” by Raj Pradhan. Congratulations on great work done by you! I hope this story will bring forward many other similar cases. ULIP was always a bad product and was mis-sold. I know of many people who are suffering losses due to this. However, financial illiteracy only makes people more vulnerable to mis-selling. The person...

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Sharing the data

This is with regard to “Who Is Afraid of Credit Scores?” by Sucheta Dalal. Merely asking banks to share the data is a circular route. As commented earlier, credit rating companies can share the data amongst themselves. They have their own methodology to score and, hence, sharing the data does not tantamount to sharing the process. The point that needs to be addressed immediately is...

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