SAVINGS
Want to pay home loan faster? CA founder shares simple tweaks to finish 20-year loan in 11 years, save ₹30 lakh+
Sujit Bangar home loan tips: A borrower significantly reduced a ₹60 lakh home loan's tenure and interest by implementing simple repayment strategies. Paying one extra EMI annually and increasing EMIs by 5% each year, as suggested by Sujit Bangar, helped clear the loan early and save over ₹30.6 lakh in interest.
3-step formula to get rich: CA reminds basic reality of actual wealth building for financial success
Chartered Accountant Nitin Kaushik urged people to stop chasing get-rich-quick schemes and focus instead on three fundamental steps to build lasting wealth—earning more, cutting unnecessary expenses, and investing the surplus. He explained that financial success comes from consistency, not complexity, and that even small, steady actions like improving skills, mindful spending, and disciplined investing can compound into long-term prosperity.
Gen Z swipes, saves and sparkles in a digital-first Diwali
India's Gen Z approached Diwali 2025 with strategic planning, prioritizing digital discovery, smart savings, and conscious consumption. This generation embraced a 'digital-first, discount-driven' approach, blending online deals with a focus on value, authenticity, and wellbeing for a balanced festive experience.
Use your bonus wisely: When loan prepayment beats investing and when it doesn’t
If you prepay the loan during the initial phase of the EMIs itself, you will save a relatively higher chunk of interest as a result. Your saving of interest through prepayment, however, is not uniform across the loan tenor. Towards the later stage, the interest you save through prepayment would be relatively low.
Can 'low earners' afford to save? He earns Rs 40,000 and spends it all. 'Lifestyle inflation' or just 'decent life'
A Reddit post by a user earning Rs 40,000 a month sparked debate on whether saving is realistic for low earners or if spending on basic comfort counts as “lifestyle inflation.” The user explained that after rent, EMIs, and essential expenses, little is left to save, leading others to weigh in on the balance between living well and financial discipline. While some argued that savings and insurance are crucial for emergencies, others felt that enjoying a decent life shouldn’t be seen as financial irresponsibility.
Did the Time change today? What to know about the end of Daylight Saving Time 2025
Did time change today? Here’s everything to know about when clocks went back, why it happens, and which states observe the change.
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CA warns about the ‘silent tax’ that’s stealing your savings
A chartered accountant shared ten sharp insights on money and wealth. He explained that steady jobs only cover daily needs, not dreams. True prosperity comes from multiple income streams. Banks profit more from savings than individuals. Idle money loses value due to inflation. Formal education often misses wealth-building lessons. Unexpected expenses can cause crises. Inflation acts as an invisible tax.
Watch: man saves cat from python in Singapore by swinging snake mid-attack in viral video
A viral video from Singapore shows a man rescuing a cat from a python by swinging the snake by its tail. Filmed and shared by Marcus Lee on Facebook, the footage shows the dramatic encounter as he freed the feline from the predator’s coils, sparking mixed reactions online
Daylight saving time support hits record low as 10 states push for permanent change
Daylight saving time ends Sunday, November 2, with 48 states setting clocks back one hour. Support for daylight saving time dropped to 40 per cent in 2025, lowest in US history, as 10 states enacted legislation for permanent daylight saving time pending congressional approval
Older workers face a 2026 tax hit - here’s the smart move to cash in instead
Older workers face a 2026 tax hit as new IRS rules tighten around 401(k) and IRA savings. The SECURE 2.0 Act forces those earning above $145,000 to make Roth-only catch-up contributions starting 2026—ending pre-tax breaks. The standard deduction rises to $16,100 for singles and $32,200 for couples, with $2,050 extra for seniors, but higher taxable income could still push millions into upper brackets. RMDs from traditional accounts and lost deductions mean retirees could pay hundreds or thousands more. Keyword: 2026 tax hit for older workers.
CA warns: Crores of loss can happen even without bad decisions. 42-year-old’s case of saving money shows how
A 42-year-old professional with over two decades of work experience lost crores in potential wealth despite never making bad financial decisions. Chartered Accountant Nitin Kaushik shared the case to highlight how saving alone leads to “financial decay.” He explained that inflation erodes idle money and that delaying investments destroys compounding potential.
When Do Clocks Fall Back 2025: Daylight saving time end, time change details and health impact explained. Here's impact on sleep, daily routines, how to adjust and what is Sunshine Protection Act?
When do clocks fall back 2025? Americans will turn clocks back one hour as daylight saving time ends at 2 a.m. Sunday. The time change marks the return to standard time until March 8, 2026. Learn how this affects sleep, health, and why experts suggest permanent standard time.
When do clocks fall back? Is Daylight Saving Time ending tonight or tomorrow? Here’s exact date and time to turn your clocks back again
Americans will once again adjust their clocks this weekend, an annual ritual that continues to spark conversation about the nation’s relationship with time.
Daylight saving time concludes: Trump going to end 'inconvenient, very costly' DST in US? All FAQs answered
Daylight Saving Time concludes in the US on November 2, 2025, with clocks "falling back." While President Trump has expressed a desire to end the practice permanently, congressional approval is necessary. Most of the nation will gain an extra hour of sleep. The debate over year-round DST continues, with some states advocating for the change.
America’s cost-of-living crisis deepens: 68% now living paycheck to paycheck
68% of Americans now live paycheck to paycheck. Rising costs for housing, food, energy, and essentials are squeezing families hard. Even households earning over $100,000 report struggles. Most rely on their next paycheck just to cover bills. Savings are low, debt is high, and emergencies create instant stress. The cost-of-living crisis hits all income groups. Everyday expenses outpace wages, leaving little breathing room. This nationwide financial strain shows that living paycheck to paycheck is no longer just a personal problem—it’s a broad economic challenge.
He was earning Rs 1.7 lakh per month, yet had almost no savings: Finance expert’s alarming tale on client goes viral
Many young Indians with good salaries are saving nothing. They spend heavily on cars, gadgets, and lifestyle. This leaves them with no buffer for job loss or medical emergencies. Financial advisor Bhupendra Poptani highlights this trend. He urges building emergency funds and investing. Real wealth means control, not just earnings. This resonates with many professionals.
Gurgaon man shares how he once struggled to pay Rs 500 for a doctor’s visit but today has a net worth of Rs 2 crore
A Gurgaon tech professional based in the United States has achieved a net worth of ₹2 crore. In his viral post, he reflects on overcoming financial hardship, including a time when he couldn’t afford a doctor’s consultation. A family health crisis later reshaped his understanding of wealth, teaching him to prioritise the well-being of his loved ones above all else. Today, he balances smart investments with meaningful experiences, finding happiness beyond savings and dedicating his career to the healthcare sector.
Are you making this 401(k) blunder? It could slash your nest egg by more than $60,000
401(k) retirement savings: Many 401(k) participants risk losing thousands in retirement savings due to a lack of understanding about vesting schedules. Over half of plans require employer contributions to vest over time, meaning early departures can lead to significant forfeitures. Understanding your vesting schedule is crucial to avoid these costly, often invisible, losses.
IRS rule shake-up for 2026 fuels 401(k) scam frenzy — here’s how retirees can protect savings
New IRS rules in 2026 will change how 401(k) catch-up savings work for people over 50, especially high earners. Experts warn scammers are using this rule change to trick retirees. Staying alert, checking with official sources, and protecting personal data can help keep your retirement savings safe from fraud.
NHAI saves over Rs 2,000 crore in toll collection charges
The National Highways Authority of India (NHAI) has significantly reduced toll collection charges, saving Rs 2062 crore in FY 2024-25. This reduction, from 17.27% to 9.27%, is attributed to initiatives like close contract monitoring, timely bidding, and minimizing short-term contracts. NHAI also introduced a 'Windfall Gain' clause to prevent excessive profits for toll collection agencies.
This 401(k) milestone could cost you thousands in hidden fees — are you there yet?
Many people don’t know that their 401(k) savings come with hidden fees that can cost a lot over time. When your balance grows, these small fees can take away thousands from your future money. Knowing your plan costs and choosing low-fee options can help you save more for retirement.
Kerala nurses save passenger struck by cardiac arrest mid-flight while en route to start their careers abroad: ‘I immediately started CPR…’
Two newly hired Kerala nurses on an Air Arabia flight from Kochi to Abu Dhabi saved a co-passenger’s life after he suffered cardiac arrest mid-flight. As reported by Gulf News, Abhijith Jees and Ajeesh Nelson performed CPR at 35,000 feet, reviving the 34-year-old man until an onboard doctor stepped in. The passenger was stabilised after landing, and the nurses were later honoured by RPM for their quick response, earning praise for their courage and professionalism.
'Home loan hacks no banker will tell you': Tax expert Sujit Bangar shares six tips that might save you lakhs
Homebuyers face hidden costs after loan approval. Sujit Bangar offers six tips to avoid financial traps. Always ask for a full cost breakup. Do not fall for compulsory insurance offers. Use joint ownership for double tax benefits. Register property in a woman's name to save stamp duty. Verify projects on the RERA portal. Never take possession without an Occupancy Certificate.
How turning clocks in US could be fueling heart disease and obesity — Here’s what happens to your body during daylight saving time
Health experts caution that the seasonal clock adjustment associated with daylight saving time could have adverse effects, disrupting the body’s natural circadian rhythm.
Daylight Saving Time: Does it end tonight? Will you gain an extra hour or lose one?
According to the National Institute of Standards and Technology (NIST), daylight saving time (DST) was established to synchronize daylight hours more effectively with human routines. By providing extended daylight in the evenings during warmer months, DST reduces the need for artificial lighting and promotes energy conservation.
Earning Rs 1.8 lakh per month and still struggling to save? CA points out the financial mistake that leaves you broke every month
A viral post by CA Nitin Kaushik highlights how a Rs 1.8 lakh monthly salary in a metro city can feel insufficient due to high expenses. He details significant costs for rent, food, car, credit cards, and lifestyle, leaving little for savings. This illustrates the 'financial treadmill' where increased income doesn't necessarily lead to wealth or freedom.
Late parenthood financial planning: How to balance child expenses and retirement savings in your 40s
Finance professionals Subeer and Niyati Gupta, new parents in their early 40s, are reassessing their financial plan. Balancing child-rearing expenses with retirement savings, they prioritize retirement and education funds, considering delaying retirement and cutting discretionary spending. Estate planning, including trusts, is crucial due to their child's young age.
Daylight Saving Time: When will the time change 2025 happen? Know all about turning your clocks
Daylight saving time was initially introduced to maximize natural daylight during the longer summer days. By moving clocks forward in spring, evenings benefit from extended sunlight, a practice believed to save energy and promote outdoor activities.
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