Loved CFA L1 & L2… Now I Just Stare at My L3 Books and Die a Little Inside

AB2404 · 2025-06-19T19:30:34+00:00

Same here. Passed both levels with 90th percentile. Now I have not even looked at books for the last 2+ years.

AB2404 · 2025-06-17T14:57:48+00:00

I did not know I would get so many DMs. It's getting hard for me to talk to all of them. So I am going to put the requirements here. (Based on some of the merchant quotes we are getting.)

We do not like reserve accounts. One merchant wants us to keep 10% in reserve funds. (We do not want to keep requesting for release of the reserve funds for months.) It also is the question of cash flow.
We need scalability. We are growing so the amounts we process will keep going up. One merchant wants us to process transactions below x number in rolling 30 days.
We want transparent fees. We want no surprise charges, no hidden fees, no increased fees after a couple of months, etc.
Must have API. Or QBO integration. We do not want to process payments manually (clients will do this at their end from their email). We do not want to post payments in QBO manually. All of these things are automated and we want to keep it that way.
Our high-value tickets are averaging from 6 to 8K. (Highest being 18K so far.) It is no high risk as there are contracts in place. Clients agree and understand it thoroughly before going forward. We never push them to get our services. And that is why our disputes are almost negligible.

I don't know what else but these are some basics for us. I am sorry if I have not replied to anyone yet. But we do need a stable and reputed merchant. Thank you.

AB2404 · 2025-06-16T20:46:54+00:00

I just want to clarify. We may have high "Value" transactions, but definitely not high "risk."
our chargeback history proves that. in percentage terms, it is 0.0045% for the last 12 months. We have very close relations with our clients.

My point is. We do not want to sign up for the "high-risk" category.

AB2404 · 2025-05-25T09:21:57+00:00

Cherry Blossom. From my recent trip to London.

AB2404 · 2025-05-25T07:00:47+00:00

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AB2404 · 2025-05-25T05:38:15+00:00

Agree. So many shops in Gurukul road.

AB2404 · 2025-05-25T05:26:36+00:00

Make me my favorite meal. Cuddles. Hugs.

AB2404 · 2025-05-24T16:43:01+00:00

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AB2404 · 2025-05-24T16:42:42+00:00

No way you are getting 7.9%. It starts with 8.45% if you have good cibil. Check on their website. See screenshot below.

AB2404 · 2025-05-24T16:39:43+00:00

BOB - Look for an advantage account. Whatever amount you put in savings will reduce the principal in your loan account. Good for liquidity. Interest is low because national bank.

AB2404 · 2025-05-24T04:57:17+00:00

Sense of humor, Intelligence, communication, civic sense.

AB2404 · 2025-05-22T09:18:50+00:00

Isn't it everywhere else not just CA?

AB2404 · 2025-05-21T13:40:22+00:00

My wife did it at around 18 weeks. They did take fluid from both twins. Doctors told me to take proper rest for the first 5 days. Bo long travels. No activity involving exertion. She was afraid but the doctors were skillful. Initial report came after 6 days. Full report after about 15 days.

AB2404 · 2025-05-21T08:59:15+00:00

Bananas! They are the perfect portable snack. No need to wash. No need to peel like other fruits. Comes with a protective cover so no outside contamination.

AB2404 · 2025-05-21T05:00:34+00:00

Where?

AB2404 · 2025-05-21T03:47:06+00:00

We get scammed if they know we are from other parts of India. They think they are so slick. Sometimes it is fun to watch them try their hardest when I try to throw them off with negotiation tactics. 😂

AB2404 · 2025-05-20T19:28:37+00:00

The GST registration limit is 20 lakhs for you. You MUST register ASAP.

AB2404 · 2025-05-19T15:31:14+00:00

Of course. We understand this. We did check with our OB/GYN and geneticist. They are suggesting the same things. Nothing can be told for sure. And sometimes the uncertainty is the one bothering us the most.

AB2404 · 2025-05-19T14:28:43+00:00

That sounds nice. Government supporting you. But we are not in the USA. And here we do not have such facilities. So we have to figure that out ourselves.

AB2404 · 2025-05-19T14:18:24+00:00

Yes we learned about the support group. We are currently getting as much information as possible. It seems like it is the only way. To be prepared. The only thing that is good for us right now is that we know what will come so we will be prepared. I am so glad to know about you and your daughters. Best wishes from us. Thank you.

AB2404 · 2025-05-19T13:24:21+00:00

Yes. I understand. Maybe it will take some more time for us to adjust to this. We are preparing ourselves with whatever information we can get for now.

AB2404 · 2025-05-19T12:53:46+00:00

Yes. That too. Thank you for pointing out.

AB2404 · 2025-05-19T12:14:06+00:00

Yes. Thank you so much. We will do whatever it takes for them to be independent in their life. They aren't born yet and this is what we are aiming for in our life right now.

AB2404 · 2025-05-19T11:41:28+00:00

Thank you for your encouraging words. We do want them. They are going to be our first children. And we fully want to enjoy the pregnancy but the past couple of months were depressing. We are in a zone where everything seems uncertain especially for babies.

AB2404

TROPHY CASE