LIFE AS A COUPLE

Planning for the big move? Learn how to manage your finances as a couple and make sure all your dreams come true. From setting up your first joint account to buying your dream home, life as a couple is an exciting new phase, which needs financial planning at each milestone. Whether you are planning to buy a new car or go on that long-planned vacation abroad, handling your finances with precision will make sure you can enjoy these moments to the tee. As marriage represents the transition from “me” to “we”, looking after your partner’s needs and happiness will be a priority. Our investment guide will help you plan for your future and at the same time secure your partner’s financial and health needs. So, gear up to shoulder these challenges because from here on your life as a couple will only grow to bigger.

Keep your partner abreast on your investments, retirement plans, liabilities and savings plans for a healthy future.

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Bill passed allowing double tax-free gratuity payments and maternity leave

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Wondering whether savings and investments mean the same thing? We decode both financial terms for you.

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If you are a millennial, chances are you often overlook the importance of savings. Retirement planning, especially for millennials doesn’t come naturally, thanks to our mindset – old age is far away.

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Find out how you can prematurely close your PPF account

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: A child’s education plan offers the combined benefits of investment and protection. Invest in one, and save your retirement funds from child education loans.

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File your income tax returns in 10 simple steps even without Form 16

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From keeping your finance documents in place to mentioning your Aadhaar details, here’s a list of things to keep in mind for filing returns.

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A lot of people feel financially insecure in the aftermath of a divorce, but what’s important is to understand how to rebuild your financial stability.

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Uncover the true potential of your money through budget management. Get more tips here.

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Finances will never lose their priority in your life as a couple.Read more

The national budget affects both men and women differently. The allocation of resources and opportunities vary between these two sexes. Hence, gender budgeting is the process of preparing budgets by analysing gender inequality, hierarchies, and salary discrepancies between men and women. This way, the benefits of nation’s development reach women and men equally. Women are the backbone of the nation, but no amount of lip-service has helped bridge the gap between men and women in terms of gender equality. A lot of what we take for granted is rooted in gender inequality. Take the national budgets for instance. Women represent 48% of the nation. Yet, they are way behind on many avenues such as health, economic opportunities and education. The labour force too is decreasing. From 37% in 2004-05, the female participation in the workforce has come down to 26.7% in 2016. In addition, women in India earn 57% less of what their male counterparts earn for performing the same work . This Women’s Day, let’s understand why many countries have realised that the importance of gender budgeting, and strive to bring about a real change when it comes to women empowerment: Merits and demerit of gender budgeting: Merits 1) Greater participation of women in the economy Currently, only 27% of Indian women are employed in the labour force. This is the lowest level of female employment in South Asia after Pakistan . A conscious effort to increase these levels through government policy can help increase the participation of women in the economy. 2) Female empowerment In India, it is expected of a man to have a job and earn money. But for women, it is a different gameplay altogether. There are so many social and economic constraints. Increase in allocation of resources and opportunities can greatly help women to discover their life goals and explore them. 3) GDP boost Equal representation of women and men in the workforce can have a great positive impact on the economy too. According to the International Monetary Fund, the Gross Domestic Product (GDP) in India could be boosted by 27% if women had the same opportunities as men . Demerits 1) Complex process Gender budgeting is a complex process that aims to restructure the existing social, political and economic mechanisms of the country. Since, the inclusion of a gender budgeting statement in 2005, India has taken many steps towards equality. However, this hasn’t been without problems. For example, the Integrated Child Development Scheme (ICDS) was given 100% allocation for women. However, this scheme benefited both male and female children. Errors like this were spotted and corrected only later. Conclusion Gender budgeting may be complex but it is necessary for these actions to take place to increase gender responsiveness of the central government. India as a nation is taking the steps to achieve gender equality but there is still a long way to go.

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The secret to a happily married life are healthy finances. Here are some tips to help!

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Imagine a situation when your already grieving family cannot make an insurance claim upon your death because they do not have accurate details of your policy

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