I grew up with a solidly middle class upbringing. My parents owned our home, my dad worked full-time and my mom worked part-time. We were frugal, as many immigrants are, because we had to be.… 6 Tools to Overcome Financial Insecurity & Anxiety
When you buy real estate or apply for a loan or a visa, you may be asked to present proof of sufficient funds. You can submit an account statement, but a statement contains much more… Proof of Funds or Balance Confirmation for Fidelity Accounts
When it comes to filing your Income Tax Return (ITR), you may have noticed that the final tax amount you pay is slightly higher than your calculated income tax. This is because of an additional… Health and Education Cess: Meaning & Calculation Guide
Wondering how to prove a Will in India? Supreme Court clarifies that even a registered Will needs witness testimony under Section 68 Evidence Act. Supreme Court (Sept 2025) in Sanjay Bhardwaj v. Narayanrao Bhardwaj ruled… How to Prove a Will in India? Supreme Court’s 2025 Ruling
Image Source: 123rf.com Portfolio rebalancing is one of the most important disciplines in investing. It helps keep risk in check, ensures diversification, and aligns investments with goals. Yet many investors repeat the same mistakes year… 10 Portfolio Rebalancing Mistakes Investors Keep Repeating
Ever wonder why everything is sold as a monthly payment? It’s not an accident. Marketers have realized that if you take a big price and break it down into a series of smaller, more palatable… How An “Affordable” Payment Isn’t
My other post listed 2026 401k and IRA contribution and income limits. I also calculated the inflation-adjusted tax brackets and some of the most commonly used numbers in tax planning for 2026 using the published… 2025 2026 Tax Brackets, Standard Deduction, Capital Gains, QCD
What are Sector Mutual Funds Sector or sectoral mutual funds are a subcategory of equity funds. According to SEBI, these funds must invest at least 80% of their total assets in equity and equity-related instruments… What are Sector Mutual Funds
Confused about the 4% retirement rule? Discover why experts like Bengen keep changing the safe withdrawal rate—and why 3.5% may be safer in India. Retirement planning often boils down to one practical worry: “How much… Is 3.5% Better Than the 4% Rule?
CardPointers Product Name: CardPointers Product Description: CardPointers is an app that helps you maximize the rewards you earn from your credit cards. Includes a browser extension (Chrome, Safari) that automatically adds special offers. About CardPointers… Maximize Your Credit Card Rewards
We covered the new tax deductions in the 2025 Trump tax law in previous posts: seniors, car loan interest, tips, overtime, charity donations, and the SALT cap increase. The law also created a new type… IRA for Kids With No Earned Income
Picking the right stocks isn’t easy. You need to dedicate a lot of time and effort, as well as have a good understanding of the market, to select from the thousands of options available. And… Index Funds vs. ETFs: Which One Is Better
The real cost of education in India is skyrocketing. See fees for IITs, NITs, BITS, medical, MBA & private colleges with 2040 projections. Every parent dreams of giving their child the best education, but few… Cost of Education in India 2025–2040: Fees, Living & Projections
Image Source: pexels.com Many of us follow routines to make life easier, and grocery shopping is no exception. Maybe you always hit the supermarket after work on Wednesdays or first thing Saturday mornings. But is… Is It Dangerous to Go Grocery Shopping at the Same Time Every Week?
The Roth IRA is one of the best investment vehicles available, which is one reason why they limit your contribution based on your modified adjusted gross income. Normally, if you’re under the income limits, a… Over Roth IRA Income Limits? 4 Ways You Can Still Contribute
The new 2025 Trump tax law includes provisions for “No Tax on Tips” and “No Tax on Overtime.” I covered “No Tax on Tips” in a different post. Let’s look into “No Tax on Overtime”… No Tax on Overtime in 2025 Trump Tax Law. What’s the Catch?
When you invest your money, you expect it to grow. But how do you measure the potential profitability of an investment, especially when cash flows vary over time? That’s where IRR, or the Internal Rate… What Is Internal Rate of Return ? Meaning, Formula
With SEBI-registered bond platforms & RBI Retail Direct, many wonder: Debt Mutual Funds vs Direct Bonds? Learn which is better, risks, costs & taxation. Debt Mutual Funds vs Direct Bonds: Which is Better for You?… Which is Better for You?
Mature couple running together in a park. Source: Shutterstock.com Aging is often portrayed as a graceful journey filled with wisdom, leisure, and newfound freedom. While those aspects can certainly be true, the reality of getting… 8 Side Effects of Aging That No One Prepares You For
When I started my first blog in 2004, I was in my early 20s. I’m now in my mid-forties. And while my first blog no longer exists, I still remember a lot of the posts… How my thinking about money has changed over 20 years (and what hasn’t)
SALT stands for State And Local Taxes. It’s basically state and local income taxes and property tax. The 2017 Trump tax law capped the tax deduction for SALT at $10,000. If you paid more than… Effect of Higher SALT Cap in 2025 Trump Tax Law
