'Check every SMS you get. Many people ignore them.' 'Remember if there is an activity in your account, your financial institution will send you an SMS, not a WhatsApp message.'
Ultimately, the choice between no-cost EMI and BNPL depends on an individual's financial situation, preferences, and ability to manage repayments responsibly.
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
'Use this money to build an emergency fund if you do not have one.'
Investors looking for a fixed-income product that is free of credit risk may invest in these bonds.
'No human bias is involved as happens in active funds.'
'The stockbroker should have a good balance sheet to support its scale of operations. It should also have proper risk management in terms of margins so that it doesn't go bankrupt during extreme market movements.' 'The broker must have a track record of navigating several market cycles in an ethical and transparent manner.'
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Look at the sanctioned plan to know the exact carpet area you will get and pay a law firm to conduct a thorough title check.
Cardiac patients whose proposals for a regular health insurance plan get turned down should apply for a cardiac-specific plan.
Choose a higher sum insured if you are going on a long trip, and if your age is above 45.
Their downside is that the donor relinquishes all control over the transferred property, and certain tax implications may also arise.
While the RBI's guidelines aim to streamline the loan closure process, borrowers must remain proactive.
Section 19(4) of the RERA Act entitles allottees to a refund if the developer doesn't comply with the terms of the sale agreement.
If you disagree with the notice, be ready to explain.
'You may opt for a longer minimum guaranteed tenure of 12-18 months. This will ensure that in a rising rental scenario, the landlord doesn't serve you a notice and ask you to vacate the property.'
If you have not yet filed an ITR for the 2022-2023 financial year, you can file a belated return.
Employees who benefit from rent-free accommodation should pay heed to these new regulations, especially if they are in the higher salary brackets.
'Try to buy a policy with a lower sum assured or one with a deductible.' 'Those whose spouses work for companies must get themselves enrolled into the employer's group health cover.' 'Some public sector banks also offer group health covers to those who open a savings account with them.'
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