Almost all banks that issue contactless cards provide users with a 100 per cent liability cover.
The accumulated interest will increase the principal and you will have to pay a higher rate. Borrowers should take the restructuring plan only after they are convinced they have exhausted all other options.
Buying a used vehicle is a lot more complicated. Not only do you have to worry about its condition, you also have to think about whether the price you are offering is anywhere close to its true value, reveals Sanjay Kumar Singh.
While players like Paytm, MobiKwik, and PhonePe allow you to buy gold for Rs 1, Amazon Pay has kept the minimum amount at Rs 5. Digital gold is essentially an avenue for investing in physical gold.
The reimbursement components of your salary require you to furnish bills before they become tax-exempt. Producing them may be difficult this year.
Finance Act, 2019 has made it mandatory for certain categories of taxpayers to file their ITR, even though their income may be below the taxable threshold. read on to find the details.
While it is not clear whether the new form will be applicable from this year, some chartered accountants say that things can go both ways. The new deadline for filing ITR is November 30.
You also avoid capital gains tax during redemption in case the gold price is higher, making them tax efficient.
Such an economic environment tends to be positive for gold, the ultimate safe-haven asset. Since gold cannot be debased by central banks, it naturally gains in value.
You need to revamp both your work practices and technology tools to maintain your efficiency and effectiveness
The Budget has changed the rules for Indian citizens and persons of Indian origin visiting India. Instead of 182 days, the number of days has been reduced to 120. You will be treated as a resident of India for tax purposes if you stay in the country for more than 120 days in a financial year and 365 days in the past four years. One consequence of the change will be that people of Indian origin who reside outside India will be able to spend a smaller number of days in the country if they wish to keep their non-resident status intact, points out Sanjay Kumar Singh.
The projected increase for 2020 is lower than the average salary hike that graduates of top business schools have managed - at around 12 per cent.
Bindisha Sarang takes a look at Vodafone's RedX and Airtel's new plan.
Physical KYC takes anywhere between two to five working days to get done, V-KYC, only a few minutes.
People who are close to retirement and don't intend to go back to full-time work again should deploy a part of their VRS money in equities so that it keeps growing at a faster rate.
'Trading is about psychology; 75% of it is about keeping your emotions in check.'
To make the most of your vehicle, use the age-old 20/4/10 personal finance rule, suggests Bindisha Sarang.
By the time the security failure is discovered and fixed, the damage is already done. A CIO survey by Forcepoint and Frost & Sullivan found that 69 per cent of Indian organisations were at risk of data breach. Whenever there is data breach, there is a potential disaster waiting to happen.
'A 25 year old buying a high-value policy now will be well covered even in his 40s.'
You can reduce your tax burden by wisely using partially taxable allowances, suggests Bindisha Sarang.
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