In finance, nothing works in isolation. Markets breathe together. Stocks, bonds, gold, oil—they all have their own rhythm, but often their moves are linked. That link is called correlation. Think of it like cricket and monsoons. One may not cause the other, but they often show up at the same time. Spotting such links helps […]

For generations, Indian savers have relied on the familiar comfort of bank fixed deposits (FDs). They are simple, secure, and a cornerstone of conservative investing. However, in a world of rising aspirations, many investors find themselves asking: “Can my money do more?” If you’re looking for a way to earn higher returns without straying too […]

Introduction Every year, many salaried people and small business owners see TDS cut from payments and then struggle to track it. The government has a simple website for this—TDS TRACES. It helps a taxpayer see how much TDS was deducted, fix mistakes, and download important files for filing returns. TDS Traces TDS TRACES (short for […]

Introduction Most salaried people see “TDS” on their payslip and wonder what exactly is happening. Think of it like advance income tax. The employer cuts a part of the salary every month and sends it to the government on the employee’s behalf. This is called TDS on salary under Section 192. What Is TDS on […]

Introduction An income tax notice is not a panic button. It’s simply the department saying, “We found something, please confirm or correct.” Most Indians who file on time and keep basic records can close it online in a few clicks. Reasons For Which You Can Receive an Income Tax Notice Below are the most common […]

Introduction A young couple in Pune buys a new hatchback for ₹8 lakh. It runs fine, sips fuel politely, and never gives drama. Five years later they list it on a marketplace. Serious buyers offer ₹4.7–₹5 lakh. Nothing broke. The price still fell. That quiet fall is car depreciation—the part of car ownership most people […]

Introduction When Karan took his first solo trip from Delhi to Kochi, he stood in a long queue at the airport while a friend, Nisha, walked into a lounge with a calm smile. She had planned better. She had a card that gave her free lounge access, extra reward points on tickets, and a smoother […]

When you finally bought your car, you probably thought the hardest part was done. You picked the model, bargained with the dealer, got the colour you wanted, and signed that loan agreement without thinking much about it. Months later, the monthly EMI reminder keeps buzzing on your phone, and you start wondering — “Am I […]

A couple of years ago, my cousin Pooja was busy planning her wedding. Flowers, outfits, photographers — her calendar was packed. But just a month before the big day, her father had a sudden heart attack. Between ICU charges, tests, and medicines, the bills crossed ₹4 lakh in a week. The family wasn’t ready for […]