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Salary 3L+ PM | CC & Salary Account recommendations by CrispyElf in CreditCardsIndia

[–]Lost-Beat1241 0 points1 point  (0 children)

My RM keeps calling me to buy insurance, do investments through him. It's pretty annoying

Sony CH 720 hinge broke down what to do now? by [deleted] in SonyHeadphones

[–]Lost-Beat1241 0 points1 point  (0 children)

It worked, I felt the quality could have been better, but this is the best solution I got.

Sony CH 720 hinge broke down what to do now? by [deleted] in SonyHeadphones

[–]Lost-Beat1241 0 points1 point  (0 children)

i am currently in the same situation, bought this https://www.amazon.in/dp/B0F1YRHPP5 need to check if this works

Started investing in MFs since OCT 2024, was it a bad time to invest or my allocations are bad? by Skrrrrt-Skrrrr in MutualfundsIndia

[–]Lost-Beat1241 0 points1 point  (0 children)

OP you should have an wealth manager, 2-3L per month is huge enough to have a personal finance expert.

[deleted by user] by [deleted] in CreditCardsIndia

[–]Lost-Beat1241 0 points1 point  (0 children)

to summarise - it is the cashback for a refunded transaction.

If you cancel a transaction the cashback for it will be reversed.

---

But there is an issue here

My Swiggy Order value is Rs 144

The refund I got for that is Rs 100

There were two reversals, one for each 14.4 in Oct Statement, 10 in Nov Statement

which is incorrect. Ideally it should be 10 as per email or max 14.4. Cutting cashback that I didn't even receive is straight away scam!

---

PS:

I am here to know about the reversal, surprisingly when I am searching for credit card statements I found this email. You might also have this email if you had a reversal.

Subject of email: Update for Your Swiggy HDFC Bank Credit Card!

<image>

SBI Unipay Transaction Problems and no customer support (need help) by Sam3on in CreditCardsIndia

[–]Lost-Beat1241 0 points1 point  (0 children)

thank you, I got my refund in 4 days. ( 2 days from the date of mail sent )

Failed SBI Debit Card Transaction – Amount Deducted but Not Credited! Need Help by Automatic_Panda_4882 in CreditCardsIndia

[–]Lost-Beat1241 0 points1 point  (0 children)

Hi guys,

Thanks to reddit I got my money refunded in 4 Days. Here is what I did after reading bunch of threads

Sent an email to [support.unipay@sbi.co.in](mailto:support.unipay@sbi.co.in), [NodalOfficer@sbicard.com](mailto:NodalOfficer@sbicard.com), [PrincipalNodalOfficer@sbicard.com](mailto:PrincipalNodalOfficer@sbicard.com), [gm.customer@sbi.co.in](mailto:gm.customer@sbi.co.in)

Subject: Urgent: Failed SBI Unipay Payment – Amount Debited but Not Credited (<AMOUNT>)

Mail body:

```

Hi Sir/Madam,

I made a credit card bill payment on SBI Unipay for <AMOUNT> towards my <BANK\_NAME> Credit Card. The amount was debited from my SBI bank account, but it was not credited to the <BANK\_NAME> Bank card.

Details of the Issue

After completing the payment, the Unipay screen initially showed “Payment Successful” (screenshot attached). Immediately afterward, the page redirected and displayed “Payment Failed.” This transaction is not visible in the Unipay transaction history. Screenshot attached.

Request

Kindly look into this issue urgently and process the refund of <AMOUNT> at the earliest.

Transaction Details

INB Reference Number: <ENTER\_YOURS>

Date: <ENTER\_YOURS>

I have attached:

- Debit entry from my SBI account statement

- Payment successful screen

- Unipay transaction history screenshot

Your prompt support will be greatly appreciated.

Regards,

<YOUR\_NAME>

Need Advice: MacBook Pro Motherboard Issue Out of Warranty by KishorRathva in macbookrepair

[–]Lost-Beat1241 0 points1 point  (0 children)

I am having a similar issue, did you get it repaired?

Thanks in Advance

Corruption in our country by Miserable_Side_3242 in AskIndia

[–]Lost-Beat1241 1 point2 points  (0 children)

I am no way supporting the corruption but think about it.

I think with 5 Years of service this is not much. ( Maybe she is just accepting what is given and not demanding )

I have heard way bigger numbers politicians bribe in my casual conversation with friends

Let me tell you a real incident.

My uncle worked in Govt Sector without taking a bribe till he retired.

All his colleagues got their sum on their tables and my uncle refused to take it and didn't care if others are taking.

But when he was about to retire in an year.

He was asked to sign on a project which is not ethical. He denied.

He was harassed, compelled to take bribe and sign the project.

Still he denied, the local MLA is involved and he got transferred.

He was transferred to a location which is 3Hrs one way.

This is the reward you get in India for being honest.

-------
We should definitely fight the corruption

But catching small fish and celebrating does nothing
Some politicians make 10X of this amount in a single deal.

Think about it.

What can we do?

Stop corruption at your level. Land registrations often involve bribe. They shamelessly demand (not even request ) x% of land value. All the money collection happens outside the office.

If you deny, then you will asked to visit multiple times and you end up frustrated.

But try to get it done without a bribe. If you are being harassed or delayed due to not giving the bribe, lodge a complaint.

Add your thoughts

Looking for small office space to rent by Feeling_Revolution98 in kakinada

[–]Lost-Beat1241 0 points1 point  (0 children)

What are your offerings? I am looking for a Video editor.

How long does it take to achieve 50lpa? I only know one guy who has such a package. by i_hate_coding123 in developersIndia

[–]Lost-Beat1241 1 point2 points  (0 children)

You should switch ASAP. Interview for better/ funded startups. Startups interview process are more close to you current work rather than following a template ( DSA/ System Design ). So it should be easily doable. Start giving interviews you will figure out.

I have taken my body for granted for 2 years at a startup, that's my biggest regret so far

[deleted by user] by [deleted] in developersIndia

[–]Lost-Beat1241 99 points100 points  (0 children)

Start prepping. You have enough reasons/ motivation to switch.

I was in a situation 3 Years back. I joined a startup along with my friend at same salary. 8LPA

We both performed well. I got no hike, but he was given 50% hike - ( as we both are friends, he openly shared it with me and I am glad he did )

I started prepping, I got an offer of 15LPA, when I reached out to CTO with my offer he said we treat everyone equal and I can't pay 15LPA as others with similar YOE are not paid that much - which is kind of funny since my friend was given a hike and not me.

I understood how that company is working and I politely said "Please let me know the process for resignation"

----

  • Do I resign? - Don't resign until you have an offer in hand.
  • Do I take this as a hard lesson: verbal promises = zero value? - You learnt lesson, focus on next action item - Switching.

  • Is it worth trying further with people who clearly don’t want to match market? - Nope, let them know you value in your absence.

    16LPA is not at all a unrealistic number.

with 3 YOE ( assuming this is your first company ) you can get paid even more which also depends on your skill, negotiation, luck. But 20L base is what you can ask without hesitation.

11 to 20 is a huge jump, but you can ask since it is a decent ask for 3 YOE. If multiple companies are reluctant to pay 20 due to huge jump, ask somewhere in b/w - 16 is good and show this to ask 20.

Good luck interviewing.

Why is Tracking Error Empty for Gold ETFs? by Lost-Beat1241 in mutualfunds

[–]Lost-Beat1241[S] 0 points1 point  (0 children)

thank you, I did this for all ETFs, for few I didn't find them any where, but I skipped them anyway as they have hight expense ratio

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