To get new offer frm your HDFC bank credit card:on online shopping

Shop any product from STAR CJ Alive with your HDFC Bank Credit Card and get Rs. 250/- off. This Offer is valid up to 31st December, 2011.

Offer details:
 

1. Use promocode0202-201112 to avail discount on online shopping on www.starcj.com
2. Use promocode201112 for TV Orders – Call: 1860 500 1860 to avail the offer
3. Offer valid up to 31st December, 2011.

Terms & Conditions of Promotion:

The offer is valid on shopping done on www.starcj.com or on star cj IVR 1860 500 1860
The offer is valid on shopping made till 31st Dec 2011
Promocode has to be used while transacting to avail the discount, incase promocode is not used Cashback will not be posted at a later date.
This offer is valid for Indian residents and citizens only.
The terms and conditions of this promotion are subject to change without any prior notice.
Delinquent and over-limit HDFC Bank Credit Card members will not qualify for this promotion.
HDFC Bank Cardholders are not bound in anyway to participate in this offer. Any participation is voluntary and the offer is being made purely on a best effort basis.
HDFC Bank reserve the right at anytime, without prior notice to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part, the above offer by another offer, whether similar to above offer or not, or to withdraw it altogether.
Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.
HDFC Bank is neither responsible nor guarantees the quality of gifts/ products /service provided by the vendor. The quality of the service / gift is the responsibility of the vendor / service provider.
Any Government levies / taxes like Sales Tax, TDS, Road Tax, Airport Tax, any Local Tax etc. arising out of the same will be borne by the HDFC Bank Credit Card customer.
.The above offer is by way of a special offer for select HDFC Bank Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.
All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
.The participants will not hold HDFC Bank responsible or liable for any deficiency or defect in the product/services availed by Credit Card customer, any actions, claims, demands, losses, damages, costs, charges and expenses which a participant may suffer, sustain or incur by way of above offer.

For smarter Health Insurance planning we have some important suggetions

Apply for the Health Insurance:


Insurance is a very vital part of the overall financial plan for any individual. Ensuring that there is the right amount of insurance is important for the achievement of several financial objectives. This calls for specific attention to several features related to insurance, which are as under:
1. Make effective use of insurance
Insurance is a route that helps you achieve several financial objectives. One of them is to provide support for your dependants in times of need. The other is the tax benefit that one gets on the premium paid on insurance. At the same time, insurance can provide money in old age when the requirement for funds is high. By making effective use of insurance you can achieve either of the objectives.




2. Additional benefit possible
There are various types of insurance present in the market. Life insurance is one common area, and there is a tax benefit possible up to Rs 1 lakh on the premium paid in a financial year under Section 80C. At the same time, there is an additional benefit under Section 80D for the payment of premium of a medical insurance. Using insurance you can not only get proper cover but also ensure a higher tax benefit.
3. Determine amount of cover for self
There is an additional tax benefit attached to insurance that is not available in several other investment areas. In case of life insurance, you can get a deduction even for premium that you have paid for your spouse or children. In case of medical insurance, there is an additional limit that is available for cover of parents who are senior citizens. Such a facility enables adequate cover for the family, thus achieving your financial objectives.
4. Understand the time period of policy
The process of insurance is not onetime but has to be continued over a period of time. This requires you to make various changes to your amount of insurance cover and the types of policies when the conditions related to you change. For example, marriage or the birth of children will require a reevaluation of the entire position on the insurance front. This includes raising the amount of insurance cover and even changing of the insurance policy mix for getting the right kind of benefits.
5. Use relevant options
There is some additional work required on your part because just selecting a particular kind of insurance will not complete your need. Within that particular area you have to select a particular policy. Different policies achieve different objectives, and hence the one that suits your needs best is the one that has to be selected. If you require just an insurance cover at the lowest cost then a term policy is right for you, while if you require a savings element linked to market performance then you will select a unit-linked policy and so on.
6. Return and its importance
One thing that most people will find is that making the payment for an insurance policy is very easy and this can be suited to your requirements. You can opt for a monthly premium payment or even a half-yearly insurance premium payment, at your convenience. At the same time, there can be a one-time payment in the form of a single premium policy. Even direct deduction of money from your salary each month or from your account is possible. This reduces the pressure on you to remember and make the payments and eases the process.

A trip to the USA with your HDFC Bank Visa Card-Overview

Planning a trip to the U.S.? Looking for an affordable stay? With your HDFC Bank Visa Card, you can avail exclusive offers on hotel bookings! Valid till 31st December, 2011. 
A trip to the USA has never been so affordable! Visa cardholders can now enjoy fantastic hotel prices in New York, Las Vegas, Los Angeles, San Francisco and many more!


Overview of various deals:


Hotel
City
Star
Price From (USD)
Deal details
Park Central Hotel New York
New York
4
USD209
Save 30% on your stay!
The Helmsley Park Lane Hotel New York
New York
4
USD251
Save 25% on your stay!
Omni Houston Hotel
Houston
4
USD125
Room Only
Hotel Derek Houston
Houston
4
USD125
Room Only
The Standard Hotel Downtown Los Angeles
Los Angeles
4
USD120
20% Savings, Stay 3 Nights
Andaz West Hollywood Los Angeles
Los Angeles
4
USD300
Welcome Credit - $150 hotel credit per stay
Parc 55 Wyndham San Francisco Union Square Hotel
San Francisco
4
USD110
Room Only
Nikko Hotel San Francisco
San Francisco
4
USD155
Room Only
Paris Las Vegas Hotel
Las Vegas
4
USD76
Save 20% on 2 nights PLUS 2-for-1s & Discounts
Booking and stay period from now till 31 December 2011
Offer valid on all Visa cards
Bookings on www.hotelclub.com/visa


Terms & Conditions of Promotion
The privileges are available to all Visa cardholders
All relevant payments must be made with Visa card to enjoy the privilege
Prices may fluctuate due to currency fluctuation and room availability
Booking and cancellation terms and conditions apply
Details of terms and conditions for booking and staying periods can be found at www.hotelclub.com/visa

Home loan-long term financial commitment:at HSBC

At HSBC, we understand that buying a home is a long-term financial commitment. Smart Home is a simple way to use your savings smartly, by letting you decide how much interest to pay. Repay your loan sooner. Smart Home offers competitive home loan interest rates and more.
Smart Home Features & Benefits:
Save up to 50% on interest payments
With every Smart Home, you get a current account. All you need to do is put your usual savings, from other accounts, into the Smart Home Account. Depending on the savings you put into the Smart Home Account, you can reduce the quantum of interest paid by up to 50%.


Here's how Smart Home works to save you money
Your home loan interest is calculated, on the principal outstanding minus the savings deposited in your Smart Home Account every month, over and above your EMI. Calculate your savings:


Tax benefits
Smart Home customers are eligible for certain tax benefits on principal and interest components of a housing loan under the Income Tax Act, 1961*.


* Please consult your tax advisor/C.A. for specific details.




Exclusive Smart Home banking privileges for you:
You can even use the Smart Home Account as your main bank account for depositing and withdrawing money
Along with your Smart Home, get access to an HSBC Advance* Account, with the following benefits: 


Free access to 23,500 VISA ATMs across India, with your HSBC Advance Platinum Debit Card+ 
Free cheque payable at par facility 
Dedicated service desks and counters at HSBC branches in India
Financial planning services to help you plan your financial goals


* For a Mortgage relationship where loan amount is Rs. 15 lakh or more with HSBC India.


 The usage of the card is governed by applicable terms and conditions:


All loans at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. Loans available for applicant and properties in and around the city limits of Mumbai, Pune, New Delhi(NCR), Bengaluru, Chennai, Ahmedabad, Chandigarh and Jaipur and are subject to change from time to time. 


Please be advised that vide Notification No. 8/2009 - ST dated February 24, 2009, a service tax of 10% + 2% education cess + 1% secondary and higher secondary education cess thereon will be applicable on our fees and charges

After Tsunami, a Baker Finds Purpose:owner of a traditional sweets family business

Every morning, Masayuki Kimura's eyes pop open at 3 a.m., and he can't get back to sleep. It has been the same ever since the day a tsunami ripped through his hometown and upended his life. It has been the same ever since the day a tsunami ripped through his hometown and upended his life. Even if the lost all but also is good to start from scratch. Is required there is the strong force, power and courage of the region, will be the cornerstone of the new region enormously. 

Reserve Bank of India (RBI) said the country's growth rate

"Since we had 7.7 per cent in first quarter of 2011-12, we should expect that average for the remaining part of the year to be 7.5-7.6 per cent. This is partly because we have been raising interest rates," RBI Deputy Governor Subir Gokarn told reporters. The economy, he said, has been slowing down since the last (January-March) quarter of 2010-11 when it recorded a growth rate of 7.8 per cent.


In its mid-year monetary policy review last month, RBI had lowered the growth projections to 7.6 per cent for 2011-12 from 8 per cent estimated earlier. In the previous fiscal economy grew by 8.5 per cent. The RBI Deputy Governor further said that slowdown in economy was impacting the overall investment scenario in the country. Slowing investments was getting reflected in the index of industrial production (IIP), which dipped to two year low of 1.9 per cent.


In the first half of the fiscal IIP grew by 5 per cent, lower than 8.2 per cent growth in the corresponding period last fiscal. The Reserve bank has raise interest rates by 375 basis points since March, 2010 in its bid to tame inflation, which is still hovering around 10 per cent.


Inflation, Gokarn said would start moderating from December onwards and dip below 7 per cent in April, 2012. "Downward trajectory of inflation begins in December and will continue... You can infer that it will come down below 7 per cent in April," he said.


Gokarn said the overall inflation is being driven mainly by food inflation, which account for 15 per cent in the basket. Food inflation stood at 11.81 per cent for the week ended October 29. Food inflation, he said is mainly being driven by protein based items, fruits and vegetables. "Food inflation at 11 per cent is not a healthy situation. Pressure on food inflation remains. The risk of it becoming endemic remains," Gokarn added.


As per the latest data for the week ended October 29, eggs, meat and fish became costlier by 12.74 per cent, vegetables by 26.05 per cent and fruits by 11.70 per cent. Gokarn said the deceleration in demand will actually help to stabilise inflation going ahead. "...since we see that in a visibility sense now, we think it was appropriate to give the guidance that we may have reached the peak of the interest rate cycle but it remains a guidance because we are not discounting the risk that inflation could re-emerge," he added.

Europe's financial stock market:United States bond downgrades and dollar plunge

In the market's attention toward Europe's financial problems, "it soloing so here also became a topic" and has been pulling in market is the U.S. budget cutting measures bipartisan talks. Also try and be agreed deadline of 23 once again selling pressure takes $. August revives nightmare--U.S. debt limit issue United States bond downgrades, and dollar plunge.
Shares in Europe fluctuated early Friday, swinging towards either sides of the flat line, as concerns over Italy's fiscal affairs continued to worry investors.


At the time of writing, the FTSE was off 0.1% in Britain, France's CAC was flat while Germany's DAX was trading 0.1% lower.
Shares rose in Asia following a positive close for U.S. stocks overnight after Italy carried out a successful treasury auction yesterday and the yield for its 10-year bond fell below the key 7% level.
On Friday, Italy's Senate is slated to vote on a emergency-funds package passed by the European Union that demands strict austerity measures.
Former European Commissioner Mario Monti has emerged as the frontrunner to replace Prime Minister Silvio Berlusconi who will resign after the vote after losing support of his backers.
While Greece's new prime minister, Lucas Papademos, is expected to roll out cabinet changes to tackle the debt crisis.
Financials traded broadly higher in early trade with Barclays, BNP Paribas, Credit Agricole and Deutsche Bank rising between 1% and 2.2%.
Shares of International Consolidated Airlines Group jumped 4.1% after a trading update.