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File tax return by Dec 31 if you haven't yet, to avoid notice and penalty

Meeting that deadline will allow you to claim refund on excess tax deducted

Maximise reward points by using the right card for your each spend

Beware that on some expenses you could be levied a fee for card usage

7.4% interest rate locked in for 10 years: Who should buy LIC's PMVVY

SCSS, which offers 80C benefit, allows you to lock in at 7.6% for five years

Inheritance rights of adopted children vary on the basis of religion

Hindu and Christian personal law treat adopted child on a par with natural-born ones

Older house can offer price and location advantage, say experts

But ensure repair expenses don't erode initial gain; also carry out title check

Companies mostly beat large banks on FD returns, face competition from SFBs

However, corporate deposits are generally riskier than those offered by large bans; debt funds offer attractive returns in above 3-year tenure

Travel safe: Why buying insurance for your international vacation matters

Polices cover you against medical emergencies, flight cancellations or lost baggage

Laid off? Seek advice before claiming tax exemption on severance pay

You can claim only if the payout is voluntary and you have documentary proof to this effect

Belt-tightening measures key to surviving pink slip, say experts

Cautious spending, reduced debt burden, and opting for gig work can help

Trip that includes a foreign leg is not eligible for LTC, say experts

This condition is not satisfied merely by the trip starting and ending in India

Cost, loan, tax: What to consider before buying an electric car

EVs are expensive but economical on the long run; they are likely to become more popular as charging infra improves

Presumptive tax scheme can reduce compliance burden, return filing

Simplifies ITR filing, but can be taxing if actual income is below 8% of turnover

Common ITR form will make tax-filing easier, reduce time taken, say experts

Its success, however, will hinge on the quality of online utilities launched along with it

How to regain control of your finances after festive overspending

Replace high-cost credit card debt with lower-cost loan against an asset

NRIs can repatriate funds from sale of two houses, say experts

For property bought as resident or inherited, up to $1 mn can be sent each year

Subprime borrowers must keep credit utilisation ratio under check

They must also avoid applying for too many loans within a short span

Long-term investors should invest in gold through SGBs, say experts

Those who desire liquidity should opt for a gold ETF having low expense ratio and high volume

Gifts received from non-relatives of above Rs 50,000 a year are taxable

Gifts from employer become taxable once their value exceeds Rs 5,000; bonus is also taxable

Why this is not the time to take on very long-term fixed deposit investment

For periods longer than 3 years, it is a good idea to explore debt mutual funds that offer indexation benefits and lower the tax outgo

Scrutinise your no-cost EMI offers for hidden charges, say experts

There could also be a third scenario where the interest cost is added to the product price and then the higher price is converted into EMIs