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Continue Using Your Old Cheques – Deadline for New CTS 2010 Cheques Extended

As you would be aware, the Reserve Bank of India (RBI) had planned to implement the new Cheque Truncation System (CTS) starting 1st January, 2013. This would have rendered your old cheque leaves unusable - you were required to surrender the old cheques and replace your old cheque books with new … [Read more...]

Higher Provident Fund (PF) Deduction from Your Salary

The Employee Provident Fund Organization (EPFO) has come up with a fresh idea: more money should be deducted from your salary for Provident Fund (PF). They have announced this via a circular dated 30 November, 2012. Read on to get the full details, and how it impacts you.   Provident … [Read more...]

9 Tips on Figuring the Saving And Investment Needed to Fund Your Retirement

The primary reason why people are unable to properly plan for their retirement is that they do not see it as an immediate problem. Without realizing what is needed to fund their retirement, they face many problems when they come close to it. Here are the top 10 tips for figuring the savings … [Read more...]

Retirement Planning – How Much Should You Save To Build Your Retirement Corpus?

We see a lot of advise floating around when it comes to retirement planning. Many experts advise to save a fixed percentage of your salary every month in order to build your retirement corpus - the advise usually ranges from 5% to 20%. But is this approach of having a ball park percentage … [Read more...]

Positive Changes For Small Saving Schemes and Public Provident Fund (PPF) – What It Means For You

The Government had recently announced many small changes that should bring cheer to you! This includes changes in Post Office Savings Accounts, Post Office Monthly Income Scheme (PO MIS), and Public Provident Fund (PPF). Following are the details and their implications for … [Read more...]

Control your spending: Consider the “number of hours you have to work for it” before buying an item

While reading about saving and frugality, I recently came across a concept that I found really interesting and worth exploring further. You might see more articles about it in the future, but let's first understand the concept in detail. … [Read more...]