Page 4 - Your Money

Missed the ITR filing deadline? Here's how to file now, what it will cost

Taxpayers can still file a belated return by December 31, but they may have to pay a late fee, interest and forgo certain tax benefits available with timely filing

Build layered health cover to shield finances from critical illnesses

Combine a robust base health plan with a super top-up, critical illness cover and a dedicated medical corpus to protect household finances from soaring treatment costs

Missed July 31 ITR deadline? Experts explain immediate steps, penalties

Tax experts explain belated ITR filing, late fee, interest, refunds and the steps taxpayers should take now

How safe is it to accept finfluencers' investment recommendations?

If you wish to stay safe, stick to the minority that has a Sebi-registered investment adviser or research analyst licence

How to identify banking SMS scams before they empty your bank account

Verify alerts through official channels, never install files sent by text, and report fraud immediately

GIFT City Outbound Funds: With international funds closing down for SIP

With international mutual funds shut for fresh SIPs, GIFT City IFSC funds offer Indian investors a new route to global diversification through the LRS framework

Motor insurance: Prioritise 'engine protect' rider this monsoon season

Standard motor insurance covers many monsoon-related losses, but add-ons such as engine protect and zero-depreciation can significantly reduce out-of-pocket expenses

Compare forex cards on total costs and complete transparency in charges

A card with zero cross-currency conversion charge will allow you to load US dollars and then spend in any currency without incurring further charges

Income tax notice to a deceased person: How should legal heirs respond?

Legal heirs must bear in mind that the income tax return for the year of death must be filed and tax, if due, must be paid

Income tax notice: Respond with facts and documents, not panic

Verify it, respond within deadline; file revised or updated return if needed

Equal-weight funds: Pick broader universe if risk appetite, horizon permit

Beware that funds with higher exposure to mid- and smallcaps are likely to be more volatile

Education loans: Myths that can derail applications, hurt credit score

From credit scores and co-borrowers to collateral, margin money and tax benefits, understanding these education loan misconceptions can help borrowers avoid costly mistakes

Immediate annuities: Multiple options available, weigh trade-offs carefully

Annuitise only essential expenses, retain liquidity and compare payout options and rates before purchase

How young families should prioritise insurance purchases, avoid mistakes

Do not get into investment-linked insurance plans until you have cleared the basic hurdles of protection

How to choose the right health, life insurance policies for your family

Your protection premium (health plus term) should not exceed 5-8% of your annual income

Penalty to credit score: What to know about loan foreclosure charges

Being debt-free is emotionally rewarding but hidden costs sometimes make early repayment a poor decision

Portfolio rebalancing gives you control over chaos: How to do it and when

The practice locks in your market profits and shifts them into safe assets, protecting your wealth

Set goals, study risks to avoid common beginner investing mistakes

Review your portfolio every three to six months and avoid making changes based on short-term market movements

How to build credit history from scratch, maintain a good score

A credit score is a reflection of consistency: Monitor it to ensure your good behaviour is being recorded

Passwords & instructions: Maintaining a family insurance record

Digitalise all your policies in a central, government-approved electronic repository