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8/18/2019 Should You Buy a Car in the Age of Uber and Ola_ - The Economic Times
1/25
03/04/2016 Should you buy a car in the age of U ber and Ola? - The Econom ic Times
http://economictimes.indiatimes.com/wealth/spend/should-you-buy-a-car-in-the-age-of-uber-and-ola/articleshow/49698867.cms
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Given the cheap and ready availability
of low-cost cabs, does it make sense
to buy your own car? ET helps you
take the decision.
Should you buy a car in the age of Uber and Ola?By , ET Bureau | 9 Nov, 2015, 11.49AM IST
Let us compare the total cost of owning a Rs
4.78 lakh car (Maruti Suzuki Swift LXi, petrol,
manual) in Delhi, and hiring Uber or Ola cabs
over a period of three years.
FOR SALE
Cost of ownership:
Cost of car: Rs 4.78 lakh (ex-showroom)
Loan cost (Interest rate: 9.55%; loan term: 3 years) Down payment Rs 47,800
+ Down payment Rs 47,800 + Loan interest Rs 66,232
Annual average insurance cost: Rs 12,000 Total insurance cost Rs 36,000 (3
year s)
Registration/taxes: Rs 72,000 (3 years)
Annual maintenance cost: Rs 15,000 Total maintenance cost Rs 45,000 (3
years)
Running cost monthly distance covered: 1,000 km Petrol cost: Rs 60.7 /lt
Mileage: 18 km/lt Monthly running cost Rs 3,368.85 Total running cost Rs 1.21
lakh (3 years)
Parking/miscellaneous charges: Rs 50,000 (3 years)
Total cost of owning in 3 years Rs 8.68 lakh Total cost of owning in 3 years Rs
13 lakh (with chauffeur @ Rs 12,000 a month)
Minus car resale value after 3 years Rs 2.5 lakh
Net cost:
Rs 6.18 lakh Rs 10.5 lakh (with chauffeur @ Rs 12,000 a month)
Riju Dave
Mor e From Spend
Should you buy a car in the
age of Uber and Ola?
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http://economictimes.indiatimes.com/wealth/spend/should-you-buy-a-car-in-the-age-of-uber-and-ola/articleshow/49698867.cms
FOR HIRE
Cost of hiring
Assumptions: Daily total distance covered: 33.3 km Daily trips: 2 Time taken in
each trip: 45 minutes Tolls, tax and surge pricing not included.
Uber Go
Charges for rides Base fare: Rs 40, Per minute: Rs 1, Per km: Rs 7
Cost of hiring Uber Go: Rs 80 + Rs 90 + Rs 230 = Rs 400 per day
Total cost: Rs 4.32 lakh (3 years)
You save: Rs 1.86 lakh, without chauffeur in 3 years (Rs 6.18 lakh - Rs 4.32
lakh) Rs 6.18 lakh, with chauffeur in 3 years (Rs 10.5 lakh - Rs 4.32 lakh)
Ola Mini
Charges for rides Base fare: Rs 100, Per minute: Rs 1, Per km: Rs 8
Cost of hiring ola mini: Rs 200 + Rs 80 + Rs 202 = Rs 482 per day
Total cost: Rs 5.2 lakh (3 years)
You save: Rs 98000, without chauffeur in 3 years (Rs 6.18 lakh - Rs 5.2 lakh)
Rs 5.3 lakh, with chauffeur in 3 years (Rs 10.5 lakh - Rs 5.2 lakh)
ET Wealth analysis
It is clear from the above calculation that hiring an Uber or Ola will be lighter on
your pocket, though the savings are lesser for self-driven cars. So, weigh the
benefits and drawbacks of owning a car (see What money can't buy...) before
taking a decision.
What money can't buy...
If you own a car
Sense of ownership: Nothing quite compares to the feeling of buying andcaring for your own car.
Convenience: There's no hassle of booking and waiting for the cab. A taxi
can't match the instant access to your own car.
Holidays & emergencies: Random, weekend road tours or a rush trip to the
doctor are definitely easier with your own car.
Safety: With cases of misconduct by drivers, it's safer, especially for women, to
drive on their own.
62
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Uber | Ola | ET Wealth | car READ MORE :
Comments (62) Add Your Comments
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If you hire a car
Better use of time: If you don't have a chauffeur-driven car, the cab can help
you save time by catching up on your office mails and calls.
Long commute: In metros, where traffic snarls can be a nightmare, it's best not
to be behind the wheel, especially during peak hours.
Navigation: If your sense of direction is marginal, it is easier to leave the
complicated routes to the driver, particularly in metros.
More from The Economic Times
Remember, unlike an Amazon or a
Flipkart purchase, neither can these
financial products be returned nor will
you get a refund if you lose money.
Are you smart & savvy enough to shop
in the financial e-marketplace?By , ET Bureau | 30 Mar, 2016, 11.41AM IST
BENGALURU: The financial online marketplace
is booming. You are not just being sold
products like insurance, mutual funds, credit
cards and loans but also services like tax-filing,
credit score fixing, managing your budget and
full-fledged financial planning including the
inheritance plan with an eWill mailed to your
inbox.
The sole motto of all these online firms is to
make you a smarter investorsaver emptor -the
9
0
Chandralekha Mukerji
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tagline keeps changing according to what their
business is. The pillars on which the trade stands is also pretty much the same.
They may be selling a bunch of products or a single type of investment but the
services offered are usually free, easy to use, help you take quick decisions
and close the deal on the go from anywhere, typically using their newly
launched app. However, decisions, especially concerning money , should not
be taken in a hurry . There is an array of products and it may be easy to shop
but you need to make sure you don't get stuck with something that you don't
need or is wrong for you.
Remember, unlike an Amazon or a Flipkart purchase, neither can these
financial products be returned nor will you get a refund if you lose money . Don't
let the swanky e-interface impress you so much that you forget to ask the basic
questions.
WHO IS SELLING?
This question is as important online as offline, if not more. Offline, a mutual fund
broker will tell you upfront that he is a broker. Online, he may have a nice app
which is promoted as a `tool' to help you buy units easily. Therefore, it is
mandatory to know how they are earning their money and what their businessmodel is, especially when you hear the word free.
They may call themselves an online aggregator or an app that manages your
money or help you buy the best product, remember they can not be selling you
products unless they are licensed.For instance, online insurance aggregators
who tell you that they help you compare products and therefore save money
are actually insurance brokers with a cool website.
Agreed they may offer more products than an average offline agent, but the
underlying principle is the same -they earn commissions by selling you a
product.The products listed on the top are usually that gets them higher
commissions. Also, like in a brick-and-mortar shop, often the e-shops too have
top-shelf deals with companies.
IS IT REALLY A GOOD DEAL?
Unlike retail ecommerce sites selling electronics and apparels, there is no
`discount war' among the financial eComm sites.
However, many of them try to distin guish themselves by claiming to provide
quality advice to inves tors, which you should be wary of. There may not be a
product bias based on earnings. They may have a fee-based recommendation
model, however, the recommendations made might be ex tremely skewed, or worse, flawed. If the financial website has a tie-up with only four companies
selling a particular type of product, how good can their recommendations be? It
is therefore important to know on what basis are the suggestions are being
made, analyse the quality of their data and methods being used.
Moreover, will they be responsible for a wrong recommendation? If they claim
to help you manage your portfolio, check if the site provides exit
recommendations and portfolio rebalancing services.
KNOW WHAT YOU WANT
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shop |
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Since there are many options, the chances of getting confused is higher. The
store will be selling a particular product for different sizes. Unless you know
yours, even if you get a fantastic product at a great price, it would be a bad-buy
. Also, there will hardly be any human intervention in the process. Therefore,
the need for a thorough research and greater surety is higher when making a
purchase online.
DO THEY NEED SO MANY DETAILS?
Think before you share your data. Does a site selling insurance need your home loan details? Maybe they will spam you with home loan insurance policy
mails later. A site should not be asking for too many details unless you show
interest in buying. That too, only details that are relevant to the purchase. Do
not share details unless you are sure about the data security systems.
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4K is slowly and steadily moving
beyond ju st televisions. ET Wealth
explains the technology and what it
means for the common user.
All you need to know about 4K display
resolutionBy , ET Bureau | 28 Mar, 2016, 08.00AM IST
4K is slowly and steadily moving beyond just
televisions. You have projectors, monitors,
laptops and even phones with 4K display
available now. But what is 4K and do you need
to bother about it right now? ET Wealth
explains the technology and what it means for
the common user.
What is 4K?
In basic terms, 4k denotes the new display
resolution used for consumer electronics. In
technical terms, 4K or 4096 x 2160 (or 3840 x
2160 for TVs) pixels is four times the resolutionand four times the number of pixels as compared to full HD (1920 x 1080
pixels). These refer to the number of pixels laid out horizontally vs vertically—
1920 pixels across from left to right and 1080 pixels from top to bottom.
Multiplying these numbers will give you the total number of pixels on the panel
that are being used to generate an image. When you look at 4k in the same
number format, simple multiplication will show you that 4096 x 2160 is over four
times the number of pixels as compared to 1920 x 1080. Also, while full HD
roughly translates into 2.1 megapixels, 4K translates into to 8.3 megapixels
roughly, meaning sharper images.
Do I need it?
This is debatable. If you have the cash to spare, why not? 4K TVs have gotten
cheaper over the years and the new generation of game consoles, USB media
players, Blu-Ray players and even set-top boxes with 4K support are available
now. 4K is the next logical step up from full HD and we will all eventually shift to
4K—just as standard definition sets are now a rarity compared to HD, HD will
become rare compared to 4K in the next 3 to 5 years. So if you are planning to
purchase a new TV right now, it will be better if you spent a bit more and chose
a 4k TV over a full HD one.
Is content available?
Right now, real 4K content is hard to come by. However, 4K content set-top
boxes are available that broadcast directl limited channel su ort currentl to
9
2Comments
Karan Bajaj
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Excess weight can increaseodds of asthma in women
Beware: Belly fat ups heartfailure risk
After Galaxy J3, Samsungto unveil 5-inch foldable
your home. Gaming consoles (Xbox One, Play-Station 4) already have 4k
support and 4K Blu-Ray players as well as discs are available. Plus, consumer
smartphones for as low as `10,000 now support 4k video recording which you
can then transfer and enjoy in full resolution on a 4k TV. This is in addition to
DSLR and point and shoot cameras that also do 4k video recording now. In
short, 4K will be everywhere— it's only a matter of time.
Why upgrade?
When full HD first arrived and you saw actual, full HD content on a full HD
television, the difference was instantly recognizable compared to SD content.
The level of detail was what catches the attention. However, on a large TV, 46-
inches or larger, it's really easy to see individual pixels with the naked eye if you
stand close to the screen. As TV screen became larger, it's only natural that the
total number of pixels used to generate an image grew in number too. Moving
the panel to the next higher resolution of 4K (3840 x 2160 pixels) ensures a
higher pixel density and sharpens everything up. With real 4K content, it is the
same kind of feeling that came as moving from standard to high definition.
Can I upscale full HD content to 4K?
4K television available today automatically upscale all the content you play on
it. So any full HD or even 720p HD content will look better compared tostandard definition content when upscaled. If for some reason your TV does not
have the upscale capabilities, you can choose to get an A/V receiver that
supports 4k upscaling. There are options available from brands like Onkyo,
Yamaha and Denon with built in 4K upscaling via dedicated hardware and
image processing algorithms. While it will not match the sharpness of actual 4k
footage, upscaled full HD content played via these receivers, will look better on
a 4K TV.
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smartphone next year
PIN | ET Wealth | Credit card | CIEL | ATMREAD MORE :
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Transaction made on the card after the
customer has notified the bank, will not
be charged to the customer.
6 smart things to know about loss of
credit cards28 Mar, 2016, 08.00AM IST
1. Issuing banks have insurance plans to cover
credit card losses so that the customer does nothave any liability.
2. If a card is lost, the customer has to report
the loss to the bank by calling the call centre or
service centre.
3. The customer must then file an FIR at a
police station as a record of the loss being
reported.
4. A follow-up application is made to the bank
with a copy of the FIR, seeking cancellation of the card.
5. Any transaction made on the card after the customer has notified the bank,
will not be charged to the customer.
6. Typically, ATM and online transactions that require a PIN for completion are
not covered under the scheme of zero liability to the cardholder
(The content on this page is courtesy Centre for Investment Education and
Learning ( CIEL ). Contributions by Girija Gadre, Arti Bhargava and Labdhi
Mehta.)
4
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loans | credit utilisation ratio | credit score. | Credit card | credit bureaus
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Does your relationship needa sleep divorce?
Microsoft Edge's nextversion will support adblockers
Watch out! One-fifth of global population will beobese by 2025
cards. This again has a negative impact on the credit score.
Security risk
If the safety of the card is compromised, the damages can be high. To mitigate
the risk of fraud, users should set up alerts whereby the bank informs them
when a transaction that does not match their usual spending pattern is noticed.
High interest outgo
As the increased credit limit can also mean greater spending, the chances of
the card holder being unable to repay the amount in full in a month also
increases.This translates to high interest outgo.
Another way of increasing one's credit limit is by opting for multiple credit cards.
However, there are pitfalls here too. Says Adhil Shetty of Bankbazar.com: "You
will spend more and there is a high chance of default if you cannot manage
payments and credit period well. This will negatively impact your credit score."
Shetty says a single credit card with a higher limit is a better solution.You will
also save on annual fees of multiple cards.
More from The Economic Times
How colours affect your buying
decisions
396
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By , ET Bureau | 21 Mar, 2016, 08.00AM IST
Studies show that colours influence 60-80% of purchase decisions and this is
the reason shops and retailers pick their colours after much deliberation. Riju
Dave tells you the impact of nine colours on your spending.
3Comments
Riju Dave
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investments | financial decisions | ET Wealth | colours | Buying decisionsREAD MORE :
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'Ki & Ka' review: Kareenaand Arjun Kapoor lackchemistry
Five reasons why you needto laugh more at your workplace
Have trouble sleeping? Itcan lead to chronic painlater in life
More from The Economic Times
It plans to make its credit cards sit in
the user's mobile hone and facilitate
SBI to now put credit cards into your
mobileBy , ET Bureau | 14 Mar, 2016, 02.11PM IST
MUMBAI: SBI Cards, one of India's leading
credit card issuers, is gearing up to introduce
payments through mobile phones, a move that
will heat up competition in the mobile wallet
services segment.
The payment solutions provider plans to make
its credit cards sit in the user's mobile phone
654
Pratik Bhakta
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paymen ts throug h the host ca rd
emulation technology.
emulation technology (HCE), which neither
requires swiping nor reading an embedded
chip.
"The future of cards is digital and free of plastic, and through this new
technology, cards can sit in one's mobile and payments will be made directly
through the phone," said Vijay Jasuja, CEO, SBI Cards.
Worldline e-Payment Services, a French payments company which works with
almost all major banks in India, in both merchant acquisition as well as
payments business, is in the process of introducing this technology here which
is already live in some of the banks in Europe.
It will install HCE, which would allow POS devices to interact with virtual credit
or debit cards.
"This technology can be introduced through the existing POS infrastructure in
India. POS machines need to be updated so that they can accept all kinds of
digital payments through mobile phones, and we are in the process of rolling
out such POS terminals," said Deepak Chandnani, CEO, South Asia, Worldline.
Jasuja explained that the mass roll out of this technology would require some
time as the rollout of contactless card terminals has started only recently. The
increasing popularity of always online smart devices and the application of near
field communication (NFC) technology have, to a great extent, helped the
realisation of HCE.
The Reserve Bank of India in a concept note recently noted that the number of
POS terminals in the country was stagnant at 12,36,933, while the number of
credit cards in circulation was 22.88 million.
Chandnani believes that with mass roll out of debit cards through the Jan Dhan
scheme and direct benefit transfer, there would be a huge demand for
terminalisation across merchant outlets and innovative solutions like these will
give a push to digital payments.
"There would be no restrictions on the amount that can be spent through cards
and that is one of the points which would give a huge benefit to cards for
expansion of their business and more merchant acquisition," said Jasuja.
4Comments
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Shocked by PratyushaBanerjee's suicide, celebsreact on Twitter
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Slip into the R70i Age Suit,you are 85
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Manufacturers expect the offers to help
drive up March retail sales in double
digits, but they are unsure about the
following months.
Looking to buy a car? Get one now at
pre-budget pricesBy , ET Bureau | 14 Mar, 2016, 10.52AM IST
MUMBAI: You have half a month more to buy
your dream car at pre-budget prices, as mostauto makers have decided to stay away from
passing on the newly-imposed infrastructure
and luxury cess on existing stocks. This means
a benefit of Rs 2,000 on a small hatchback to a
few lakh rupees on luxury cars for buyers until
the stock lasts or the end of March, whichever
is earlier.
For auto makers, this offers an opportunity to
clear inventory of 2-2.5 lakh
vehicles lying in their stockyards
and with dealers before the new
fiscal year begins. Manufacturers
expect the offers to help drive up
March retail sales in double
digits, but they are unsure about
the following months. These cars and utility vehicles were produced before the
government announced the 1-4% infra cess on vehicles in the Budget unveiled
on February 29, industry executives said. Vehicles costing more than Rs 10
lakh face an extra 1% luxury tax.
Most of the auto makers announced price hikes immediately after the budget
announcement. However, some like Mahindra & Mahindra decided to absorbthe infra cess in entire March.
The likes of Maruti Suzuki, Honda and Toyota have informed their dealers to
extend the pre-budget stock to customers at pre-budget price, which will lead to
a benefit of Rs 2,000 to Rs 80,000 for buyers of these brands. The companies
are also advertising the offers as they aim to close the financial year on a
respectable inventory.
Jnaneswar Sen, senior vice-president of sales and marketing at Honda Cars
India, said the company's dealers have stock of pre-infra cess vehicles which
are available for a short period.
5
1Comments
Ketan Thakkar
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Take your pick: Premiumsmartphones launched inIndia in 2016
Actress Prat yusha Banerjeeof 'Balika Vadhu' famecommits suicide
Mimicry can help patientswith Alzheimer's
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The 7 best notebooks for those on the
go
The 7 best notebooks for those on the
goBy , ET Bureau | 14 Mar, 2016, 08.00AM IST
Bulky notebooks are passe. Thanks to
advancement in technology, sleek and
lightweight models are easy to find today. ET
tells you what is worth checking out in the
market.
APPLE MACBOOK AIR: Rs 73,900 Onwards
Available in 11.6 and 13.3-inch display size, the
Macbook Air is amongst the first notebooks that
proved slim and lightweight can also be
powerful. You get Intel core i5 processor, 4GB
RAM and option of 128 or 256GB SSD storage. Due to its slim profile you get
only two USB 3.0 ports along with a Thunderbolt port. The good thing is that it
manages to deliver up to nine hours of battery life on a single charge.
ASUS UX305: Rs 52,470
Weighing just 1.2 kg, this is one of the cheapest notebooks with SSD storage.
You get 13.3-inch full HD display along with 3 USB 3.0 ports, HDMI port and full
size keyboard. Inside is a Intel Core M processor with 4GB RAM, 256GB SSD
and a 6- cell battery with a backup of 8 hours. If battery falls below 5%, the
notebook takes a backup of your work.
HP ENVY 13: Rs 77,490 Onwards
With a sleek all metal body, the HP Envy 13 weighs just 1.36 kg and that is with
a 13.3-inch full HD display. You get three USB 3.0 ports and HDMI port.
Hardware includes choice of Intel core i5 or i7 processor, 4/8GB RAM and
256GB SSD. HP claims that the 3-cell battery offers up to 10 hours of backup.
There is also an integrated fingerprint scanner for added security.
8
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Karan Bajaj
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8/18/2019 Should You Buy a Car in the Age of Uber and Ola_ - The Economic Times
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8/18/2019 Should You Buy a Car in the Age of Uber and Ola_ - The Economic Times
24/25
03/04/2016 Should you buy a car in the age of U ber and Ola? - The Econom ic Times
http://economictimes.indiatimes.com/wealth/spend/should-you-buy-a-car-in-the-age-of-uber-and-ola/articleshow/49698867.cms 2
Japan's Kinki Universityditches saucy name
Want to woo her on the firstdate? 'Manspreading' canhelp!
Oberoi Delhi set for revamp, Amex hosts galadinner for Centurion Cardmembers
payment cycle | ET Wealth | debit card | Credit card | CIELREAD MORE :
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More from The Economic Times
The way a credit card works is different
from the way a debit card. Here's few
major differences in their usage and
working.
How credit cards are different from
debit cards22 Feb, 2016, 08.55AM IST
1. Credit card is a loan from the bank to you. It
is a borrowing that will become due after the
billing period. On the other hand, debit cards let
you access your own funds.
2. When you make an online payment with your
debit card, the transaction is protected by
multiple layers of security, including verification
with a one-time password. Secure your credit
card similarly with your bank, before using it
online.
3. When you use your credit card online, you
have time to dispute a wrong charge, block a
card for misuse, or take the issue up with the bank. If you use a debit card,
money moves immediately out of your account and you are in a position of
recovery of your funds.
4. Debit card usage may be limited by a daily amount allowed on your card, and
not the amount available in your account. You can modify this amount to the
maximum permissible one. A credit card limit is set for a payment cycle, and
can be used freely.
10
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8/18/2019 Should You Buy a Car in the Age of Uber and Ola_ - The Economic Times
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03/04/2016 Should you buy a car in the age of U ber and Ola? - The Econom ic Times
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