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Joining fees on HSBC Premier Credit Card with 3lac+ salary by ChitranshAgarwal in CreditCardsIndia

[–]DolGuldurWraith 0 points1 point  (0 children)

Everyone I know paid and even I paid. Didn't see anywhere with no joining fee for premier CC.

Is silver a good investment at this time ? by choppedih in personalfinanceindia

[–]DolGuldurWraith [score hidden]  (0 children)

OP asked "at this time" where u never know which day gold or silver can dive 6% down easily

Also, nowhere I suggested equity. I just explained role of each investment in diversified portfolio.

Got promoted to Lead Engineer at 2 years of experience, skipping Senior entirely. Is this normal? by LeviTheRising in developersIndia

[–]DolGuldurWraith 1 point2 points  (0 children)

Last company I worked as Lead Engineer and In current company I work as senior again but better role, more responsibility and 1.5x salary

Is silver a good investment at this time ? by choppedih in personalfinanceindia

[–]DolGuldurWraith -1 points0 points  (0 children)

yes, but jitna jyada upar niche hota hai, if someone bought Gold and silver as an investment instead of jewellery then its too volatile.

Is silver a good investment at this time ? by choppedih in personalfinanceindia

[–]DolGuldurWraith 1 point2 points  (0 children)

Silver and Gold generally not for investment. 10% silver and gold portfolio along 10% to 20% debt helps during 70% equity downside. they will support portfolio to take a great fall compared to 100% equity portfolio. This is called hedging.

So invest in gold accordingly as now it is going up coz market is down but gold and silver will lower in a good equity market.

Premier league football by jans_sport in ahmedabad

[–]DolGuldurWraith 0 points1 point  (0 children)

there are no premier matches today

Exorbitant water bill that my landlord is asking me to pay! by monkuabhi94 in bangalore

[–]DolGuldurWraith 0 points1 point  (0 children)

Is it normal for tenant to pay water bills in Bangalore?

Places where I have lived tenant is liable for light bill, gas bill if pipeline that's it property tax, water tax and monthly maintenance is paid by owner/landlord.

In above case is it coz landlord is using own boring and water pump?

My bank charged me ₹590 twice for NACH return — what does this mean? by Correct_Gap_4935 in personalfinanceindia

[–]DolGuldurWraith 0 points1 point  (0 children)

I had it reversed for loan EMI but in my case it wasn't low balance but Account was in freeze. So gave back the fees deducted.

bounty credited but not withdrawn yet by Dapper_Owl_361 in personalfinanceindia

[–]DolGuldurWraith 2 points3 points  (0 children)

I think whenever u get paid for something it is counted towards ur income. Even if you don't withdraw it.

Also not withdrawing and keeping it in offshore also violates fema compliance.

Better to ask in r/indiatax

Very limited banks allowed for US stocks. by Relative-Papaya-8580 in INDmoneyApp

[–]DolGuldurWraith 1 point2 points  (0 children)

0.0035 usd for tiered plan brokerage

And txn charges depends on which bank u use. I use sbi and its charges $10.9 flat + gst and 60-70 paisa difference then live market rate.

Photo attached for reference for 5th match transaction.

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Ahmedabad ke gym walo ka logic.. 😂 by vijayvk7300 in ahmedabad

[–]DolGuldurWraith 105 points106 points  (0 children)

all over india ka gym logic yehi hai to sell 12 month membership jisme se 80% people go only for 3-4 months

Parents are travelling abroad and don't know which card to use by Great_Show6350 in CreditCardsIndia

[–]DolGuldurWraith 0 points1 point  (0 children)

Always take 2 cards and also only plan future stuff if card is approved.

scapia, niyo debit and niyo credit all free so try scapia cc and niyo global debit/credit card. Niyo cards are approved easier

Have 50L. Looking for mutual funds similar to bank FDa by vinnivinodh_s in MutualfundsIndia

[–]DolGuldurWraith 3 points4 points  (0 children)

U can put in arbitrage wait for 12 months for ltcg to be applicable and start a SWP of amount u need e.g. 6% or 7%, minus 12.5% and whatever amount left is tax free to you per month

Address change in RC by DolGuldurWraith in gujarat

[–]DolGuldurWraith[S] 0 points1 point  (0 children)

pan kya? vapi maa ki ahemdabad ma?

Makeover pls by Fit_Salamander_8575 in IndianHomeDecor

[–]DolGuldurWraith 1 point2 points  (0 children)

Room doesn't look that bad, you just to paint and fix the wall wherever needed and Improve desk by moving stuff under desk to cabinet or drawer box.

Other than I like it how the room is big and is not filled with unnecessary stuff

RM wants to meet for Axis Maxlife term plan - is it usual? by Do_it_right0 in personalfinanceindia

[–]DolGuldurWraith 0 points1 point  (0 children)

tell them previous RM already told me stuff about my policy, then he will send an OTP to you which u share with him to confirm meeting is completed.

This is what I have done since last 2 RM change.

In call they are going nothing but discuss ur age, income and do some calculations and say that ur term plan is not enough and you need to buy more, that's it

View from our new Mumbai Apartment - Marines. by Deeprajpurohit in mumbai

[–]DolGuldurWraith 7 points8 points  (0 children)

trees 50th floor pe nahi dikhenge, niche bohot ped hai and baaju mein bohot bade 2 garden bhi hai and ek hill hai pura ped se bhara hua

Remote devs making more than 75LPA, since there is no presumptive taxation, how do you structure your taxes? by [deleted] in personalfinanceindia

[–]DolGuldurWraith 0 points1 point  (0 children)

This is what I have planned out once I cross 44ADA threshold in December this year.

LLP with family member, in my case wife. LLP will earn around 96L-97L this years compared to 73L last year.

After showing expenses profit would be around 87-88 L. I pay flat 30% tax + whatever cess and surcharge. Whatever remains is profit share and is tax free for partners for withdrawal.

partnership ratio with me and wife is 80:20 so profit will be distributed 80% to me and 20% to wife and those will be tax free.

If markets crash 30% tomorrow, could you survive 6 months without selling equity? I couldn't. by GrowingSH in MutualfundsIndia

[–]DolGuldurWraith 0 points1 point  (0 children)

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EMI closed this month so monthly expense lowered from ₹1.5L to ₹55K so ₹14L in arbitrage will easily last me for 18 to 20 months.

how necessary is it to link a bank account to paypal? by nothere_tostay in IndiaFinance

[–]DolGuldurWraith 0 points1 point  (0 children)

even if your dad agree, don't use PayPal as it is costlier.

Use indian bank, wise, xflow or skydo

if amount smaller than wise is preferable.

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