If you earn less than ₹2.5 lakh under the old rules or ₹3 lakh with the new ones, you don't need to fill out complicated forms to avoid TDS. Just write a simple note to your boss stating your expected earnings. Many people confuse this with Form 15G or 15H, but those are only for interest or rent, not salary. If tax has already been deducted from your pay, don't worry. You can file your ITR to get that money back, which usually takes a couple of months to reach your bank account.

@Reema Foreign investment can be very helpful, but it does come with its fair share of risks. It makes you think about how well our regulations hold up when things get tough. Honestly, I'm not sure about this, but can our banks really handle a sudden crisis without everything falling apart?

For minimal spending in Dubai, skip the forex card reload fees (₹75+) and ATM charges ($2 per withdrawal), as they outweigh the benefits. Use a zero-markup credit card instead; it avoids reload hassles and suits low, scattered expenses. Just ensure your card has a true 0% forex markup (e.g., IDFC FIRST WOW!, Federal Scapia). Carry minimal cash for emergencies only.

So, the reason you're noticing those NAVs but can't make a switch is because of the new rules that kick in from October 2025. The NPS allows multiple schemes under one PRAN and focuses on equity, but switching requires a long 15-year wait. It’s not that the switch is broken; it’s just that the new rules don’t let you make quick changes if you’re coming from the old setup. For now, it’s more of a ‘just hang tight’ kind of thing.

This is pretty normal when you change jobs. Basically, both companies use that ₹2.5L exemption for your salary separately, which means they might not deduct enough tax from your total income for the year. First things first, check your Form 26AS to see what both employers reported. If something doesn’t look right, reach out to your old HR and ask them to fix it. You have 30 days to submit your documents online, so it's better to do it sooner to avoid any issues.

Choose a policy that is adaptable and can grow with your life changes. It’s also a good habit to check your coverage once a year. When you're single, your needs differ from when you have a family or a higher income. A plan should grow with you instead of becoming outdated in a few years.

@SanyaSays It really depends on how often you dine at restaurants. Those dining cards are awesome if you hit the milestones, but otherwise, the fees can eat up your rewards pretty quickly.

You should check your average monthly spending first , if the perks outweigh the cost, go for it. If it’s a close call, a basic no-frills card might actually save you more in the long run.