If your total EMI payments exceed 35-40 per cent of your monthly income, use these strategies to avoid a Squid Game like debt trap, suggests Bindisha Sarang.

The new AIS is expected to make the taxpayer's task of filing ITR easier and faster, points out Bindisha Sarang.

A car that gives you a better resale value will reduce the cost of your next purchase, points out Bindisha Sarang.

'If you are ready to stomach the loss, you may invest 3-5 per cent of your portfolio in crypto assets.' 'Of this, 80-90 per cent should be in Bitcoin.'

Be mindful that each instrument is governed by a different set of gifting rules and is also taxed differently.

Choosing the right wallet is crucial, alerts Bindisha Sarang.

'Investors with as little as Rs 1 can start investing in digital gold.'

If bank and service provider are not compliant, pay manually, or give standing instruction linked to bank a/c, suggests Bindisha Sarang.

Ensure that you get a high sum insured. Also, make sure the policy covers the cost of implants (pacemaker, stent, etc), and pre and post-hospitalisation expenses.

India recorded 50,035 cases of cyber crime in 2020, an 11.8 per cent surge in such offences over the previous year, according to the National Crime Records Bureau (NCRB) data. The Reserve Bank of India (RBI) last week once again cautioned bank customers of fraud, including those in Know-Your-Customer (KYC) cases. In fact, certain frauds have become more prevalent than others, and being aware of them is the first step towards protect yourself. Mayur Joshi, chief executive officer, Indiaforensic.com, a company engaged in the prevention, detection, and investigation of frauds says, "It is necessary to learn, to read about these scams."

The Reserve Bank of India (RBI) recently said no entity in the card transaction or payment chain, apart from the card issuers and card networks, will be allowed to store sensitive user data from January 1, 2022. Instead, in transactions card data will be converted to tokens.

Most taxpayers will benefit from being in the old tax regime, assuming they optimise their salary for tax benefits and claim the deductions available to them.

If a salaried employee does not possess Form 16, he can still file the I-T Return with the help of his salary slips and Form 26 AS.

If the nominations are not in place, the heirs need to go through a lengthy process to get access to the money cautions Bindisha Sarang.

Those who have an insurance policy need to check its clauses to determine if it covers home care treatment, advises Bindisha Sarang.

You can increase or reduce the sum assured of a term cover, depending on changes in your overall liability, advises Bindisha Sarang.

Investors should keep updating their personal and bank details with fund houses. They should also opt for the auto-pay facility so that the dividend proceeds get credited into their account directly, advises Bindisha Sarang.

EPF allows partial withdrawal to meet situations like house construction, medical emergency, and so on.

While using the family to save tax is legal and smart, ensure you use the ones where clubbing income laws isn't a concern, advises Bindisha Sarang.

'You should always maintain an allocation to gold as it has the ability to counterbalance any correction in the equity market.'