First, consider your travel habits and opt for the card best suited to your needs.Make sure to check fees and cashback options. But, opt for one only if you are a frequent traveller Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
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Make the most of your credit card
You need to monitor the total amount that piles up every time you swipe your card and the bill payment due date.Credit cards have a high interest rate of 24-48% per annum and a delay in bill payment can have a major impact on your money life Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreYour guide to filing income tax returns this year
For FY 2019-20, directors of unlisted shares or investors in unlisted equity will no longer be able to file their returns.Those with an income below ₹5 lakh are no longer exempt from filing their returns online Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreWhat you should do if you are booked on a Jet Airways flight
If you booked tickets through the official Jet Airways website, mobile application or ticketing offices, all you have to do is fill up the online form.The Jet Airways website says it will take 7-10 working days for the credit to reflect in your account Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreProducts that guarantee returns are, typically, conservative in nature
Switch to mutual fund SIPs for your long-term investing needs, and increase your monthly investment considerably to get to your target.For the allocation to small-cap, consider adding HDFC Small Cap Fund into the mix and splitting the allocation with the Reliance Small Cap Fund, which you already have Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreClues to help decode if an FMP is good for you
Know the risk associated with FMPs and how it can affect your returns.A well-researched and carefully selected FMP bond portfolio will give investors a lower risk debt fund option Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreNo interest-free window to repay cash withdrawn from ATM using credit card
If you need to withdraw cash using your credit card, repay it at the earliest as you are charged the interest right from the day you make the withdrawal.If the amount is high and unmanageable, you can also approach your bank to convert the credit card dues into a personal loan Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreTravelling abroad? Load your cash on forex cards
You may need to carry a little bit of cash, but use forex cards for other needs as they are safer to carry than cash and cheaper than debit and credit cards.The biggest advantage of using a forex card is that you know the exact exchange rate you are paying Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreHow much does a house cost in Mumbai?
A property price depends on various factors such as location, neighbourhood, quality of construction, amenities and age of building, among others.If you are planning to buy a property for self-use, our compilation of property prices of prominent localities in major cities may help you compare and make an informed decision Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
Read MoreKerala’s vacant houses are high on nostalgia, not on returns
Many non-resident Keralites don’t realise that buying a house too early in life may not be a wise idea.Keralites prefer independently constructed houses, thanks to lower land prices in smaller towns of the state Get the latest news and analysis on business, finance, politics from Livemint, the website of the Mint newspaper, one of India’s leading business and financial dailies
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