Personal Finance
13th salary arrives offering options for investments and debts
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The first installment of the 13th salary was deposited by Friday (28), injecting R$ 369.4 billion into the Brazilian economy in 2025, according to Dieese. Experts recommend using the benefit to pay off expensive debts, renovate properties, or invest in safe options like Tesouro Selic and CDBs. With interest rates at 15% per year, the choice depends on each person's financial profile.
The Employees' Provident Fund (EPF) interest rate has remained at 8.25%. For many salaried employees, EPF and Voluntary Provident Fund (VPF) are trusted tools for retirement savings. Some investors are wondering whether to continue contributing to VPF or shift extra savings to Systematic Investment Plans (SIPs) for better long-term returns.
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A 35-year-old woman and her partner are at odds after her parents extensively decorated their new home, leaving the partner feeling sidelined. The couple, who lived in a motel for five years due to financial difficulties, recently moved into a nice condo but disagree on the parents' involvement. The woman seeks opinions on whether she is wrong for prioritizing a polished first impression over her partner's discomfort.
An updated guide highlights 13 eco-friendly strategies that can save households more than $7,500 yearly while reducing environmental impact. Based on 2025 pricing, these tips focus on simple shifts in daily habits and home upgrades. The total estimated savings reach $7,641 or more, with minimal upfront costs.
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Motor insurance in India goes beyond financial protection, offering emotional relief during accidents through third-party liability coverage. This mandatory policy under the Motor Vehicles Act, 1988, ensures victims receive compensation while insurers handle legal complexities. A journalist shares personal insights on its real-world value.
A 46-year-old earning $98,000 annually wants to leave the U.S. due to its political climate and become a digital nomad overseas. Financial experts advise on visa options, tax considerations, and practical steps for making the transition. They emphasize thorough planning to ensure financial stability and legal compliance.
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A woman has written to a financial advice column expressing frustration over her husband's carefree attitude toward large purchases, such as a $40,000 new car, while she prefers frugality. The couple struggles to discuss finances, as he responds with the silent treatment. Experts suggest ways to bridge their differing money views.
Many taxpayers face delays in income tax refunds
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