If you disagree with the notice, be ready to explain.
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.'
Patience can be rewarding. 'Post-listing, sanity often returns to valuations of newly-listed businesses within six to nine months. Buy then.'
Before you take the leap, get your financial house in order
When the subscriber reaches superannuation or the age of 60, 60 per cent of the total corpus accumulated in NPS can be withdrawn as a lump sum.
'Planning for the transfer of assets to the next generation is an important aspect of financial and estate planning.'
The over-concerned species that we parents are, New Year is a great time to ensure that we leave our children with something to learn by, says Murad Nathani
While the RBI's guidelines aim to streamline the loan closure process, borrowers must remain proactive.
'Gold prices thrive on volatility and more so when the stock markets trend downward.'
If you have not yet filed an ITR for the 2022-2023 financial year, you can file a belated return.
Choose a higher sum insured if you are going on a long trip, and if your age is above 45.
Try to assess whether the broker has good knowledge of the prices prevailing in the area you are interested in, and is able to provide the pros and cons of various projects.
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.
Their downside is that the donor relinquishes all control over the transferred property, and certain tax implications may also arise.
Cardiac patients whose proposals for a regular health insurance plan get turned down should apply for a cardiac-specific plan.
'Building a credit history is a gradual process that requires at least 6-12 months of consistent credit activity.'
Many youngsters take financial discipline as putting restriction on their freedom. That's a myth. You can very well enjoy as well as save and grow your money at the same time. Salil Dhawan shows you how
Employees who benefit from rent-free accommodation should pay heed to these new regulations, especially if they are in the higher salary brackets.
Keep revising the sum insured at the time of renewal to keep it in line with inflation.
'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.'
For women, it is important to build an emergency fund and a financial independence fund independent of the couple's joint goals and plans.
Personal loans and credit card loans provide quick access to money when it is urgently needed, but they also carry risks for borrowers.
The impact of currency depreciation can also be mitigated by holding a portion of your investment portfolio in dollar-denominated assets.
If a 5% to 10% fall in the equity market gives you sleepless nights, you are not cut out for a 75% to 80% allocation to equities and must reduce it.
Fund managers often find themselves selling bonds at prices below their fair value to meet redemption demands. Investors are the ultimate losers in this. CDMDF aims to remedy this by stepping in and purchasing securities at their fair value in such times.
Non-compliance can also result in legal complications and disputes with the tax authorities.
If you have any grievances or disputes regarding the demand stated in the notice, consider seeking professional help.
Through a revised return, you can make changes to your ITR and even end up paying lower tax.
'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.'
Before you buy an apartment within a project meant for senior citizens, ensure that the services are of a high standard. Senior citizens should not sell their current home before they are completely sure about moving into a senior citizens' project.
'Most young taxpayers prefer income tax filing to be flexible yet straightforward.'
Ultimately, the choice between no-cost EMI and BNPL depends on an individual's financial situation, preferences, and ability to manage repayments responsibly.
Apart from being physically and psychologically prepared for the new role you must be financially ready as well. Before you plunge into parenthood, the good idea is planning the finances.
It is important to have the necessary documents on hand to verify the information in the form.
'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.'
'Don't wait until the last minute. Instead, cultivate the habit of monitoring your Form 26AS throughout the year.'
Failure to disclose any income can lead to penalties and legal issues.
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