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Going for a joint home loan with a relative can boost chances of approval

In case of default, credit score of co-borrower would also get affected

Investment in house on discounts ideal for high net worth individual now

Demand has been lacklustre and prices have not moved up much in the past few years

Contingency funds are more effective against sudden decline in income

Job loss covers have conditions attached

As cyberattacks rise, cyber insurance a small price to pay for protection

Annual premiums do not exceed what you readily shell out for an OTT subscription

Lakshmi Vilas Bank depositor? Spread deposits across banks to lower risks

If you hold an account at Lakshmi Vilas Bank, which has been placed under a moratorium restricting withdrawal of more than Rs 25,000, you must have many queries. We try to answer some of them.

Are you spending too much? Time for a reality check on financial immunity

Reduce leverage, enhance insurance coverage and size of contingency fund to improve score

Planning to buy a house? Do it within 7 months to gain from FM's largesse

Low property prices, cheap loan rates, and tax relief make this a good time to strike a deal

Planning to buy a car? Festive season is best time or wait till new year

Those who switch regularly should wait until the new year

No relief in interest levied: Don't wait until last minute to file ITR

Interest charged under Section 234A will increase if you delay

LTC cash voucher scheme: If you spend less, tax benefit will be lower

Under cash scheme, now extended to private-sector employees, 3x the LTC fare has to be spent

Retirement-savings match explained: Key investment plan you must not ignore

According to a survey, 89 per cent Indians do not have an alternative source of income, and barely 1 in 5 factors in inflation while planning for superannuation

Receiving pricey diwali gifts from your non-relatives will attract taxes

Section 2 (24) of the Income-Tax (I-T) Act deals with gifts received that will be treated as a person's income, while Section 56 (2) deals with both the taxation and exemptions on them

Planned for your retirement yet? Here are some quick thumb rules to start

Heuristic guidelines are a good place to start. Once you get a hold on them, seek professional advice

Avail of cash scheme if you have planned expenses in festive season

Employees need not miss out on LTC benefit in the current block of 4 years

Mega e-sales: Compare prices across platforms before clicking on buy

What matters is the cumulative discount - that on price and on payment option

In a share buyback, make a tactical bet if price gap is attractive

In a buyback, purchase the stock early from the market or else the price gap could close

Not verifying your income tax returns might have serious consequences

Refunds get blocked, losses aren't carried forward, and you could face a penalty

Lower tax collected at source rate on funds remitted for education

But a higher rate will be levied if PAN isn't furnished

Simple interest accumulated during moratorium remains the bigger concern

Since simple interest keeps accumulating, your outstanding at the end of the moratorium will be higher than at the start

Choosing a suitable health plan to become easier with standardised norms

Uniform policy wordings will reduce ambiguity and allow buyers to understand key policy features better