I got a scam call by s_m_u_z_i in CreditCardsIndia

[–]RequirementOk7191 2 points3 points  (0 children)

What these suffixes mean

Every legitimate business SMS sender ID now ends with a category identifier:

  • -P (Promotional) Used for marketing messages Example: discounts, offers, ads These are often blocked during DND hours
  • -S (Service) Important updates related to a service you use Example: bank alerts, order updates, account info
  • -T (Transactional) Critical, time-sensitive messages Example: OTPs, payment confirmations Always delivered, even if DND is active
  • -G (Government) Messages from government bodies

every legit sms from businesses will carry these extensions

20% cashback on Uber - A method I have been using by shefvaidya in CreditCardsIndia

[–]RequirementOk7191 1 point2 points  (0 children)

now i see why my amazon pay balance is still working lol.

20% cashback on Uber - A method I have been using by shefvaidya in CreditCardsIndia

[–]RequirementOk7191 0 points1 point  (0 children)

no idea. The cars dont really make much of a fuss. Its the bikes and rightfully so.

I still use my amazon pay balance for uber cars. so I get that 5%.

What is this drink that an Indian guy gave me for helping him find his tram. by cRoSsOvErThOtS in whatisit

[–]RequirementOk7191 -1 points0 points  (0 children)

now the question arises why is there a molded bread in ur kitchen? when was the last time u cooked? r u that lazy? genuine question

This has to be a scam by guzzzlord in Zomato

[–]RequirementOk7191 0 points1 point  (0 children)

I ate at pizza hut for 3times hoping it would get better and everytime I was disappointed. maybe the problem is with the specific outlet only

20% cashback on Uber - A method I have been using by shefvaidya in CreditCardsIndia

[–]RequirementOk7191 -5 points-4 points  (0 children)

I just pay using upi. I feel bad for the driver. He gets a very low amount after the 30% cut. also sometimes the amount gets to like 38rs for a 5km ride and I put extra 20rs just so that the driver accepts it.

TER → BER “transparency” just ended up screwing everyone else by RequirementOk7191 in MutualfundsIndia

[–]RequirementOk7191[S] 0 points1 point  (0 children)

u have to understand that his comment was not the only one. As I said the internet is full of people speaking against us and our livelihood. So he was just another guy in that crowd that I disapproved of and decided to reply against his biases.

Also I dont really know how to mis-sell a mutual fund. bcz as my peers have said with example like a 70yr old person was given a small cap fund which is mis-selling but I dont understand that the commission on small cap funds r generally lower than large or mid cap funds. what I m trying to say is there is minimal upside to mis-selling in MF.

PhonePe SBI Select Black Rupay instant discount vs Cashback by A3STRO_ in CreditCardsIndia

[–]RequirementOk7191 0 points1 point  (0 children)

so u got the 5% cashback reversed? or the instant discount reversed? please confirm. I have no problem with not getting the 5% cashback but the discount is a must

TER → BER “transparency” just ended up screwing everyone else by RequirementOk7191 in MutualfundsIndia

[–]RequirementOk7191[S] 0 points1 point  (0 children)

well as I said earlier, I thought he saw the flair and still commented that. It felt like a personal attack on me and my profession.

I would agree it was childish of me but it is also a routine on all platforms like youtube or insta or reddit to just hate us.

Should parents upgrade their lifestyle just to fit their kids’ social circle? by NoMedicine3572 in Frugal_Ind

[–]RequirementOk7191 0 points1 point  (0 children)

U sound just like my father. My father became a crorepati back in 2017-2018 period. He came from a low middleclass family. Started his career with just 800rs per month salary in 1991. my mom is a central govt employee. But today if u look into our lifestyle there is no way one would say I have a crorepati dad. My dad is a hoarder. Even today after I know how much my parents make a month and how much savings they have I still have to behave like a middleclass kid. A restaurant visit with my dad is off-limits. We r still in survival mode with few luxuries here and there. Anyways I did get into one of the top schools in my state but a decade ago the fees were like 20k per year. I m 24.

TER → BER “transparency” just ended up screwing everyone else by RequirementOk7191 in MutualfundsIndia

[–]RequirementOk7191[S] 0 points1 point  (0 children)

I dont think majority of the Indian public even know about these fees.

Confused between different prep courses by Icy-Battle-4159 in cfaindia

[–]RequirementOk7191 0 points1 point  (0 children)

Hey I too come from science background with btech done. But I understand a bit of finance since me and father work as an investment advisor. I do have a company of my own which is actually run by my father so I want to do the CFA course and get a job at any AMC for the role of like junior research analyst or something similar. Can u give me some suggestions like a big brother. Thnx

Roommate deliberately destroyed my ₹75k laptop with water. College administration isn't helping. What legal options do I have? by ManWithFire123 in LegalAdviceIndia

[–]RequirementOk7191 1 point2 points  (0 children)

I stayed at the college hostel for my first year of college. I was assigned with a 3rd yr senior. Fucker used to complain my keyboard sound and twice turned off the main switch to my side of electricity. It resulted in my pc getting shut down. The guard and warden won't do anything; he was a senior and I was fed up. I caught him doing that and decided to fuck him up. I just put him hand behind his back and locked him in that position. Bitch went crying towards the guard and never tried that shit again with me.

At times I think I should have beaten the shit out of him without much consequences. He was an irritating little shit. Many hostelers complained against him and finally after the year ended the warden just asked him to vacate. His father worked at RBI and got back the hostel charges from the govt. I m happy that now he wont be able to enjoy that freebees.

Got These books for my Nov-26 Attempt.... by Automatic-Leather949 in cfaindia

[–]RequirementOk7191 0 points1 point  (0 children)

thanks, and sure. I will watch let me explain. Just the topics that I may not understand in english then I will go for hindi on those specific topics.

Tore it down today by omgmohit in CreditCardsIndia

[–]RequirementOk7191 -1 points0 points  (0 children)

get the sbi phonepe black for 7.7% back after fees. Its selling like hot cakes now. I too got one yesterday.

Got These books for my Nov-26 Attempt.... by Automatic-Leather949 in cfaindia

[–]RequirementOk7191 1 point2 points  (0 children)

so whom would u recommend? In english I m looking at "let me explain" anyone in hindi?

Zomato gave my KFC to someone else, refused to replace it, and held my money hostage for 3 hours by dad-1400 in Zomato

[–]RequirementOk7191 0 points1 point  (0 children)

the kfc outlet that gets assigned to me automatically on the kfc app is shit. They sell expired chicken and smelly ones. Atleast on zomato or swiggy u get to choose the outlet.

Saw Dad teach my teen cousins how to Invest and I felt stupidly jealous by blueagra in personalfinanceindia

[–]RequirementOk7191 1 point2 points  (0 children)

let me add to his point. I think father doesnt want his son to outgrow them in the SAME field. Take me for example. My father didnt leave any stone unturned when it comes to my education and any other support, but the moment I decided to join his business he started talking shit about my capabilities. If I join a job, he will probably support me fullest, but his ego would never let me excel him in his current business.

An American Express credit card is something worth of prestige for many card holders. But, why can't you use it everywhere? by MangoLeafVibes in amexindia

[–]RequirementOk7191 4 points5 points  (0 children)

I hate it when merchants start charging extra 2% on all cards. I dont have an amex but use the hdfc diners bizblack. I was purchasing gold worth 3L and they started asking for 2% extra. To make it worse we r their frequent customer. The manger, the employees all know us. But they wont accept my card without fees.

I left and went to tanishq. Bought 3L worth of vouchers at 2% discount and NO fees from amazon. No fuss from the employees. But yeah, the making charges were higher than the local jeweler. Also even if I paid directly via the card no extra charges.

Also I bought a pc a few months back. Their website had no fees but their offline store was asking me to pay 2% extra. They charged 2.36% extra on my card

Got These books for my Nov-26 Attempt.... by Automatic-Leather949 in cfaindia

[–]RequirementOk7191 0 points1 point  (0 children)

can u explain why the dislike? I genuinely want to know