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The cover on real estate(Spotting a Safe House, September 2011) rightly points out that people can easily fall prey to the machinations of builders and politicians. Most just go by the advertisements put out by builders and fail to check the background of the company and confirm if all clearances are in place. It’s high time buyers become proactive and check the details of the project they are investing in, for as the Noida Extension episode showed, even the word of the government cannot be trusted. Right now, those who are cheated by the builder-politician nexus have nowhere to go.There is a need for people to get together and put pressure on the government to bring a law and establish a mechanism to protect the interests of home buyers. Hopefully, the proposed land acquisition law will put an end to such disputes and make way for cleaner property deals.MANOJ PRABAKAR, e-mail

The story on fixed deposits(Fixed Match: Tilting against FDs, September 2011) was timely in view of the rising rates on bank FDs. While deciding which fixed-income instrument to invest in, most people ignore the fact that returns from bank fixed deposits are taxable, while debt funds are more tax-efficient and offer higher post-tax returns. Investors must realise that while safety is paramount, these small differences in returns can make a huge difference to their long-term financial plans.

VINOD BHASKAR, Pune

The story on investing in art(Masters of Art, September 2011) gives valuable insights on how one can gain by buying artists who are making it big. However, as it is still a very expensive investment, I feel it remains a rich man’s game. Moreover, in the absence of dedicated funds that would do the due-diligence on artists and artwork, it is impossible for the layman to go ahead. There are high chances of being misled by unregulated market participants. In fact, a regulated market will also help in promoting artwork in India. There is no dearth of talent in the country. Under the present circumstances, I agree that one should put money in artwork only if one has the passion and not as pure investment.

ANURADHA SINGH, Jaipur

The article on things to be done while buying an insurance policy and during its tenure to ensure that claims are not rejected (Avoid getting trashed, September 2011), gives useful tips to investors. Having one’s insurance claims dishonoured is one of the biggest setbacks for policyholders or their nominees. Insurance companies will try finding ways to reject claims to keep their balance sheet healthy. However, it is not always true that the insurer is at fault or that they deliberately reject claims applications. Rejections are also the result of false information given by the policyholder. Any financial relationship should be based on trust and honesty and both sides should adopt transparency in their dealings.

SOUMYA VENUBAKA, Hyderabad