PRE PAYROLL
MCX gold prices rise Rs 1,400/10g; silver up Rs 4,000/kg as fall in oil ease rate hike bets. Buy, sell or hold?
Gold and silver prices rallied on MCX as falling oil prices eased inflation concerns and a weaker dollar supported bullion. Investors now await US inflation data for clues on the Federal Reserve's interest rate trajectory, while analysts track key technical levels.
US stock market today: Dow futures fall 475 points as S&P 500 and Nasdaq futures rebound, Nvidia, Micron and AMD lead chip recovery after $3 trillion AI-driven Wall Street selloff
US stock market futures are mixed today, Friday, Nov. 6, after Thursday’s nearly $3 trillion AI-led selloff, as chip shares attempt a rebound. Dow futures are down 475 points, while S&P 500 futures gain 0.26% to 7,402.50 and Nasdaq futures rise 1.33% to 27,107.75. The Nasdaq plunged 5.52% yesterday; the S&P 500 fell 4.36% and the Dow lost 3.44%.
The business of running a hospital: Balancing profitability, patient trust and scale
A hospital’s financial health depends on more than occupancy and revenue, requiring a careful balance of cost control, cash flow and patient trust.
Who is Rex Salisbury? Man who started Cambrian Ventures; by 2025, its $20 million First Fund had backed 33 startups, about half reaching Series A
Salisbury's Cambrian Ventures has one simple task, and that is focusing on early-stage financial technology companies. They are commonly known as fintech startups. Its first $20 million fund supported companies at the pre-see and seed stages. This is when businesses are still developing their products and looking for early customers.
Too old to feel guilty (Also, I have a chudail problem)
Embracing guilty pleasures can lead to personal enjoyment without the burden of embarrassment. Social norms often pressure individuals into justifying their entertainment choices. The author describes watching Ganji Chudail videos as a source of amusement and relaxation. Participants in this culture often perform guilt and apologize for simple pleasures. Finding joy in leisure activities can provide much-needed relief from everyday stresses.
Low-cost jobs will be taken over by AI, most worried about outsourced ones: Workday CEO
Workday Chairman and Chief Executive Officer Aneel Bhusri told reporters at the Workday Rising Summit that AI will not lead to jobs moving out of the US or first-world countries, but may do the opposite.

US tax savings 2026: What are the best ways taxpayers can use to potentially lower their tax bill? Know the rules
When it comes to taxes, what you end up paying really depends on things like your income, financial goals, and how you file. Luckily, there are lots of ways to save, including tax credits, health savings accounts, and retirement contributions. These are some of the smartest moves for US taxpayers looking to save money in 2026.

Skip the raise? Some employers are boosting health benefits instead to save on payroll taxes in 2026, and workers are taking notice now
Payroll taxes make wage increases expensive for small businesses. To cut tax overhead in 2026, many employers are expanding health coverage instead. Benefits bypass payroll taxes while lowering worker medical bills.

Got a high-deductible plan? How to maximize your $4,400 HSA limit and unlock 3 tax advantages in 2026
Health savings accounts (HSA), offer three significant tax advantages for qualified expenses related to medical care. Individuals can contribute pre-tax money, which grows tax-free and allows for tax-free withdrawals for medical expenses. A reimbursement strategy allows account holders to pay bills upfront, keep receipts, and delay reimbursement for years.

Why did market rise today? Sensex jumps 473 points, Nifty closes above 22,550: 6 key factors driving rebound
The Indian stock market recovered after eight weeks of losses, with Sensex gaining 473 points and Nifty 134 points. HDFC Bank appointed Anup Bagchi as its new CEO, boosting investor confidence. Oil prices fell below $102 per barrel due to increased supply and decreasing Fed rate hike concerns. The rupee strengthened amid easing oil prices, while bond yields also cooled down after recent highs.

EPF wage ceiling hike: Lesser take home salary for these employees; know how you will be impacted
In a significant update, the EPFO wage ceiling limit has been modified to Rs 25,000 monthly. This modification will add fifty-one lakh workers to the social security umbrella. With this change, both employee and employer contributions will go up from Rs 1800 to Rs 3000, potentially cutting monthly take-home pay by Rs 1200.

Returning to India from the UK? Capital gains and inheritance tax may still apply
Non-resident Indians should note that leaving the UK doesn't automatically terminate tax residency. Retaining connections might keep your tax status intact even after relocating. Income and capital gains sourced from the UK could still be liable for UK tax post-departure. Additionally, Indian tax residents are required to report foreign assets and income. Seeking professional advice is essential for a smooth financial adjustment when returning to India.

IRS announces new rules Trump Accounts for contribution towards employees’ dependent children. All you need to know
Employers can now contribute $2,500 each year to Trump Accounts designed for children's savings. Alongside this, employees have the option to make pre-tax payroll contributions to these accounts. Known as Invest America accounts, the initiative seeks to boost awareness and encourage responsible savings for the future. Additionally, Michael Dell's foundation has pledged a whopping $6.25 billion to enhance savings programs for children across the U.S.

US job market: Payrolls increase by 263,000, unemployment rate nosedives to 3.5% in September. See details
Amid efforts by the Federal Reserve to slow the economy, job growth in September came up slightly short of predictions, and the unemployment rate decreased, according to data released by the Labor Department.

Indian job market shows sharp recovery in headcount in March, shows Quess data
“Payroll headcount” grew 18.4% year-on-year amid removal of restrictions and pick-up in economic activity, according to data from AllSec Technologies.

EPFO adds around 1.54 million net subscribers in September
On a month-on-month basis, this is 0.18 million more compared to August 2021 when EPFO registered a net new addition of 1.36 million subscribers.

Formal sector jobs created by EPFO jumps by 48% in August 2021: Payroll data
The increase in net new subscribers in August is, however, 12.9% higher compared to the revised net addition in July at 1.31 million. The provisional data for July last month had pegged the new subscribers at 1.46 million. Net new enrollments under EPFO stood at 0.83 million in April, 0.59 million in May and 1.01 million in June.

EPFO: Net new enrolments rise by 24% to 12.54 lakh in December
The provisional payroll data of EPFO, released on Saturday, highlights a positive trend for net subscribers base growth with addition of 12.54 lakh subscribers in December, 2020, the labour ministry said in a statement.

Rise in Jan dhan accounts during the pandemic point to economic revival, say SBI economists
The data indicates that labour remittances, which started picking up in June and July, crossed the pre-Covid levels in September.
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