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[ad_1] By Chaitali Dutta Home loan interest rates are rising now. I have a new loan for 10 years. Should I double the EMI amount or accumulate some lumpsum to repay a part of the principal?—Dhiraj KumarIn case you have surplus funds monthly, increasing the EMI is a suitable way forward in the current times when the interest rates will continue having an upward trend. The interest is calculated on a daily reducing balance in your home loan, hence early repayments save you more interest. What is the process I should follow to take a gold loan for one year as I need money for an emergency?—AshokThe first option would be to enquire with your present bankers where you have your salary account or have the bulk of your money. The chances of getting a better deal and service would be higher. In case your banker does not provide gold loans, then you may look at some financial institutions that are market leaders in gold loans. It is advisable to go with known, reputed organisations for your gold loan as you would like to get back your original ornaments/gold pieces intact once you pay off the loan. The process is similar for banks/FIs. The ornaments are first checked for gold purity, weighed and approximate valuation ascertained. You will be sanctioned a loan depending on the gold valuations. The paperwork is then completed before the disbursal of the loan to your account. I am a senior citizen and my retirement funds are in nationalised bank’s fixed deposit schemes and are fetching very low rate of interest. If I invest Rs 5 lakh each in private banks, will my money be safe?— name withheldFDs (or any deposits) that come with a higher return have an inherent risk to the capital. The inherent risks are the liquidity risks and default risks. Under the DICGC guarantee, deposit amount (including interest) up to 5 lacs per person, per bank is covered. If you opt for interest payouts, you may opt for a Rs 5 lakh deposit. In case you are opting for a cumulative deposit, then the maturity amount should not exceed Rs 5lakh to be covered under DICGC. The writer is founder, AZUKE Personal Finance Advisory (www.azukefinance.com).Send your queries to fepersonalfinance@expressindia.com [ad_2] Source link

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[ad_1] Lebanon holds first parliament election since financial collapse, blast [ad_2] Source link

[ad_1] Manchester City fought back from 2-0 down to draw 2-2 with West Ham United on Sunday and stay in charge of their thrilling Premier League title battle with Liverpool. Juergen Klopp’s team play at Southampton on Tuesday and City had the chance to open a six-point lead at the top but the draw at the London Stadium left them four points above Liverpool with one game left. Victory on the final day at home to Aston Villa would guarantee City their fourth league title in five seasons, regardless of Liverpool’s results against Southampton and Wolverhampton Wanderers. Pep Guardiola’s team will win the title on Tuesday if Liverpool lose at Southampton. West Ham’s Jarrod Bowen struck twice in the first half but Jack Grealish pulled one back for City early in the second half before Vladimir Coufal scored an own goal. Riyad Mahrez missed a golden chance to seal a City win after he missed a late penalty. After City defender Oleksandr Zinchenko lost track of Bowen, the West Ham forward raced on to Pablo Fornals’ pass over the top and took it round goalkeeper Ederson for a clinical finish in the 24th minute. Bowen added another in the 45th minute when Michail Antonio sent him through with a clever pass and the English forward’s low strike from the edge of the box found the bottom corner. City bounced back in the second half after playmaker Grealish scored for the visitors in the 49th minute with a volley after Rodri headed a high ball over to him in the box. West Ham had the chance to add their third goal in the 65th minute when a loose back pass from Fernandinho sent Antonio through on goal but the Jamaica forward sent his shot over the bar. The hosts were left to rue the missed chance as they conceded an own goal, with West Ham defender Coufal heading a cross from Mahrez into his own net in the 69th minute. Mahrez could have become City’s hero in the 86th minute but his spot-kick was kept out by keeper Lukasz Fabianski after Craig Dawson brought down Gabriel Jesus in the penalty box. The result guaranteed West Ham European football next season as they stayed seventh on 56 points. The game also marked Mark Noble’s farewell game in front of home fans, with the midfielder set to bring the curtain down on his 18-year, one-club career at the end of the season. [ad_2] Source link

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[ad_1] U.S.' Blinken says talked to Turkish FM, confident consensus on Sweden, Finland [ad_2] Source link

[ad_1] The race for Rajya Sabha seats in the biennial election in Andhra Pradesh, slated for June 10, took an interesting turn on Sunday with the Adani group debunking reports that either Gautam Adani or his wife Priti would be given a seat. For several months, there has been speculation among political circles here that Priti Adani was most likely to be given one of the four Rajya Sabha seats on behalf of the ruling YSR Congress. The Adani group has been executing various projects in the State and Gautam Adani had personal interaction with YSRC president and Chief Minister Y S Jagan Mohan Reddy on a few recent occasions, triggering the speculation. The group, however, issued a statement on Sunday saying such reports were “blatantly false”. “It is unfortunate to see vested interests dragging our name into such speculative media reports. Neither Gautam Adani or Priti Adani nor any member of the Adani family has interest in a political career or in joining any political group,” the statement said. Interestingly, the Adani statement gave rise to fresh talk about a new prospective candidate – another industrialist Chalamalasetti Sunil, who joined the YSRC after unsuccessfully contesting the Kakinada Lok Sabha seat as TDP nominee in 2019. Sunil’s Greenko Energy is executing an integrated renewable energy storage project in Kurnool district, touted to be the first-of-its-kind in the world. Incidentally, Jagan will be visiting the project on May 17. Given the caste calculations, the choice may fall on Sunil, now that Adani is no longer in the race, YSRC sources noted. Rumour mills had the name of another big businessman from Telangana in circulation, as he is close to Jagan, but his name also did the rounds as a prospective candidate of BJP from another State. If these two business bigwigs are not considered, there is a long list of aspirants within the YSRC for a Rajya Sabha seat.With a strength of 151 MLAs of its own, and supported by four rebels of opposition TDP and Jana Sena, the YSRC will comfortably win all four Rajya Sabha seats that fall vacant in June, a gain of three. YSRC Parliamentary Party leader V Vijayasai Reddy, one of the four due to retire, is set be re-nominated. For two other seats, the names of Killi Kriparani, former Union Minister of State, and Beeda Mastan Rao are said to be under consideration. Both belong to the backward classes, with Kriparani having the added advantage of being a woman. The YSRC has so far not nominated a woman for Rajya Sabha and the gender has currently no representation from the State in the Upper House of Parliament. “So Kriparani should be a natural choice,” a senior YSRC leader pointed out. Notification for the biennial election will be issued on May 24 and the last date for filing nominations is May 31. As the Chief Minister is set to embark on a 10-day official-cum-private trip to Europe from May 20, YSRC leaders expect him to finalise the Rajya Sabha candidates before flying off. In all probability, the election could be an unanimous affair as the TDP, with just 20 MLAs, does not stand any chance. The YSRC’s strength in the Council of States will swell to nine after the biennial election. The TDP and the BJP will be left with only one Rajya Sabha member each. [ad_2] Source link

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[ad_1] Trend Continuation Pattern Forms On XRP/USDT Weekly Chart [ad_2] Source link

[ad_1] What we know about Buffalo supermarket shooting suspect Payton Gendron  CNN The Editorial Board: Horror in Buffalo – A terrible day will leave scars for many. They need the comfort this city can offer.  Buffalo News 10 dead in Buffalo supermarket attack police call hate crime  The Associated Press ‘We have bodies down here’: Police radio transmissions reveal grim scene at Saturday’s mass killing  Buffalo News Authorities say the suspected Buffalo supermarket shooter traveled from hours away. Here’s what we know  CNN [ad_2]