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As the prices will be changed early in the morning at 6 AM it is advised to check the rates early in the morning before you go to your work. Mostly the pick or drop in the prices will be in few paise.
A joint bank account is useful if you're combining finances, whether that means saving for a mutual goal, paying shared bills ...
When we talk about inflation, the conversation usually centers on periods (like now) when inflation is especially high.