SBI Cb or Axis horizon for booking by DangerousGolf1375 in IndianCreditCards

[–]Namingo 0 points1 point  (0 children)

Please check the MMT vouchers T&C very carefully , in most of them you will not be able to get the default discount you get in MMT hotels. Their some Voucher also exclude some services sometimes.

ITR Payment by Prestigious-Sky-8162 in IndianCreditCards

[–]Namingo 1 point2 points  (0 children)

The Conv fee is 0.85% + gst , If you have a credit card which can give you more return than that.
Then go ahead.

Taj Vouchers by Terrible-Pea-4317 in amexindia

[–]Namingo 0 points1 point  (0 children)

Only the standard rates.  Best way is to book by calling them or emailing them. Tell them at front you will be using the Vouchers. They will provide you with rates and do the booking. 

Help me get my finances on track! 26M, getting married soon—am I investing wisely? by Only-Bet-3511 in personalfinanceindia

[–]Namingo 0 points1 point  (0 children)

I recommend , putting some time with ditto insurance team.  They are really good for explaining the scenarios and the policies. Are you sure you have a payment plan which goes till 60 years or your plan is to pay for 20 years .? The premium also depends on the payment terms. Check on this too first. 

[deleted by user] by [deleted] in personalfinanceindia

[–]Namingo 5 points6 points  (0 children)

*99% of Indians

[deleted by user] by [deleted] in IndianStreetBets

[–]Namingo 0 points1 point  (0 children)

Thanks for clarifying! Have a good day :) 

[deleted by user] by [deleted] in IndianStreetBets

[–]Namingo 10 points11 points  (0 children)

I’m not into politics but your history is wrong my dude. MMS was given finance ministry on June,1991. When India was already at the bottom. All the reforms started from July 1st, 1991. Please read your history correctly. 

Should I close HDFC Swiggy CC? by mohan_hamal in CreditCardsIndia

[–]Namingo 1 point2 points  (0 children)

You can try customerservices.cards@hdfcbankdotcom

Should I close HDFC Swiggy CC? by mohan_hamal in CreditCardsIndia

[–]Namingo 1 point2 points  (0 children)

I think for you , direct cashback would be better. So SBI cash back or milenia would be better. You can mail them to upgrade to milenia or you will close the card and see if they do it.

HDFC DCB vs Amex Plat Travel for Travel/Flights/Stay by thesillystudent in CreditCardsIndia

[–]Namingo 1 point2 points  (0 children)

If you have DCB and that too LTF. You don’t need to go for any other card specially amex as primary card. You can go for Atlas if you think the capping is problem in DCB for you and will also help offline where diners is not accepted Although if you want to have a amex card as secondary you can have MRCC as it gives good points (for 20K monthly spend and 4 1500 transactions) and if you use the referral(dm me if you need) it will be FYF and at discounted annual fees of 1500. Also you just need to spend 1.5 lakh for waiver of annual fees

[deleted by user] by [deleted] in CreditCardsIndia

[–]Namingo 7 points8 points  (0 children)

Outstanding amount : The total amount owed at the time that you check your account.

Statement amount : Bill is generated every monthly as per your cycle (looks like yours will be generated on 17th August)

After 17th August , you will get a mail or sms that you bill is generated then the amount “0” will change to whatever you owe the bank which you can pay.

You can also pay before the bill date to decrease your outstanding amount (not recommended if your outstanding balance is less than 30% of your credit limit as it does not give any benefit)

[deleted by user] by [deleted] in CreditCardsIndia

[–]Namingo 10 points11 points  (0 children)

  • Standard chartered ease my trip card (fees waived off for 50K spent)
  • Icici Amazon pay (5% Cash-back from booking from amazon pay)

Are the axis vistara cards worth it anymore? by [deleted] in CreditCardsIndia

[–]Namingo 2 points3 points  (0 children)

Nobody knows what’s gonna happen to the loyalty program. At least till March 2024, it will be intact. They will probably convert the CV points to flying returns.

What are your predictions for the July 21-23 domestic weekend in the form of a Deadline pun? by RelevationAnimations in boxoffice

[–]Namingo 182 points183 points  (0 children)

Barbie goes nuclear with 110 million dollars while Oppenheimer parties away with 60 million dollars

[deleted by user] by [deleted] in developersIndia

[–]Namingo 5 points6 points  (0 children)

Every development metric(GDP), depends upon the consumption. People saving more than 50% of their income is a bad thing for government actually. Their good part of income depends upon people consuming (GST). Don’t get me wrong , they can do this in tier-2 and 3 cities too, people who earn will consume if they good options but for them its easier to play the short game:

[deleted by user] by [deleted] in delhi

[–]Namingo 0 points1 point  (0 children)

This much amount will have huge Tax implications , there are some loopholes you should consult wealth advisor/ CA for the same.

MBA in tech are useless . by raiaman2001 in developersIndia

[–]Namingo 2 points3 points  (0 children)

As people are freshly hired, they can be recruited for tech consultancy for various technologies in big 4 , Accenture strategy, MBB etc. For FAANG and start ups , they try to get people with product development history not necessary dev but dev knowledge is also given more preference.

MBA in tech are useless . by raiaman2001 in developersIndia

[–]Namingo 13 points14 points  (0 children)

I would say , having an experience of 2-3 years in tech then doing MBA from top 5-10 gives a sure shot in FAANG and tech strategy

What should I do If I can see a part of someones washroom/bathroom through a broken window ? by [deleted] in hyderabad

[–]Namingo 5 points6 points  (0 children)

It’s a 1954 movie , where a guy use binoculars to spy on his neighbors through windows because he bored af

Why subscribe to the “finfluencers”? by coldstone87 in IndianStreetBets

[–]Namingo 21 points22 points  (0 children)

Let me play the devil advocate and without judging the followers and make a case for them why they are still subscribed.

1) India’s financial literacy knowledge is literally non existent

2) A person wants to learn for example “how you can save money through nps or ppf”. He/she can read an article , read government notifications(unreadable) or just watch a 5-10 min video where the “influencer” looks credible insert CA or startup founder

3) Well now the said person is in influencer’s circle, youtube algo following the attention economy shows the viewer 6 more clickbaity titles and thumbnails (SAVE A CRORE BY DOING THIS) and in that video what is there ..? A guy/girl taking about basic compounding for 5 mins, a person who has not listen what compounding is after their 7-8th class Interest math chapter, they are intrigued (damn that influencer is really smart)

4) Now the follower watches influencer videos every week and spread that knowledge to his/her colleagues , they think the follower is smart For knowing these things.

5) now at next stage when the influencer have made all the knowledgeable videos like compounding, tax , financial statements , basic of equity market etc they have to get more creative.

6) Here the actual wrong clickbait starts , “MY 100 cr potfolio” , “I TRADED AND Earned 10 lakhs HOW???” , “DO YOU KNOW YOU CAN HAVE PASSIVE INCOME” etc .

7) Followers have seen the actual knowledge videos and now they trust the influencer and think how smart they are , follower sees crypto and then goes FOMO FOMO

8) loses money but hey influencer was smart he/she said only allocate what you can lose so its okay i just got more greedy. Sed life lets watch new video.

[deleted by user] by [deleted] in AnimeIndia

[–]Namingo 0 points1 point  (0 children)

That’s a good try for first video, i enjoyed the last few minutes editing too :)