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This time on Smart Money, we tell you how to make an effective financial plan if you have a special dependent in your family. Also, our third party motor insurance premium is all set to go up by 20% in this financial year... what will that mean for your motor cover? Not only that, we also tell you the lowest base rate in the market and how will it impact your loans in our special segment "Did you know". And as usual, we also address your financial queries.