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How these guides get researched, sourced, dated and corrected — and what this site is not qualified to tell you.
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Finvorais publishes 59 guides about rules that have numbers in them: contribution limits, tax thresholds, enrolment deadlines, deduction caps, claim timescales. That is a narrow subject, and it is narrow on purpose. Numbers can be checked against the document that set them, and a reader who can check does not have to trust anyone.
This page sets out the standards the guides are written to, so you can hold them to it.
Every figure that carries weight is traced to the body that published it: HMRC and GOV.UK, the IRS, the Social Security Administration, CMS and Medicare, the Electronic Code of Federal Regulations, the NAIC, India’s Income Tax Department, PFRDA, EPFO, IRDAI and the GST Council, among others. The link sits next to the figure, in the body of the article, so checking it takes one click rather than a search.
Other people’s coverage is not a source. A news report, a comparison site or another blog may be how a change comes to our attention, but the article is written from the underlying document, and it is the underlying document that gets linked.
If a figure cannot be traced to a primary document, it is left out. This is the rule that does the most work, and it is the reason some obvious questions go unanswered here: where the authoritative answer does not exist yet, the honest move is to say so rather than to estimate and hope.
Many guides work through an example to show how a rule behaves. Those examples reuse figures that are sourced and linked earlier in the same article, and they use round numbers so the mechanism is visible. An example is never the route by which a new, unsourced number enters an article.
Rules move. Each guide shows when it was last reviewed, on the page, where you can see it before you rely on anything. Each one also carries an internal date for when it is due to be looked at again, set according to how fast that particular rule changes: annually indexed figures get a shorter cycle than structural rules that change once a decade.
A review means re-opening the primary sources and checking the figures still say what the article says they say. Where they have changed, the article changes and the review date moves with it.
When something here is wrong, it gets corrected in the article itself rather than noted somewhere a reader will not look, and the review date moves so you can see the page has been touched. Corrections are made as soon as the error is confirmed against the source.
If you have found an error, hello@finvorais.com reaches us. A link to the document you believe is being misread is the fastest way to get it fixed, and it is welcome.
Every guide here is researched and written by Penugonda Kalyani. The work is reading the primary documents behind each rule and setting out what they actually say.
She is not a licensed financial adviser, tax professional, insurance broker or solicitor, and this site holds no professional licence of any kind. That is not a disclaimer bolted on at the end: it determines what gets published. It is why nothing here recommends a product, rates an insurer, predicts a market or tells you what you personally should do. Those are the things a licence exists for.
What is offered instead is traceability. Every claim that matters points at the document it came from, so the standard you are asked to apply is “check it” rather than “trust me”. For any decision with money or legal consequences attached, the right next step is a qualified professional licensed where you live, who can see your actual circumstances.
The site carries display advertising, and advertisers get no input into what is published or what it concludes. Ads are not served on the legal and utility pages.
At the time of writing Finvorais participates in no affiliate programmes and carries no sponsored articles. If that changes, an article containing affiliate links will carry a disclosure at the top, a sponsored article will be labelled as sponsored, and in neither case will the commercial arrangement determine a factual claim or a conclusion. The disclaimer and disclosures page is the current position in full.