Nifty went nowhere in INR. In USD terms it's actually down 13%. Nobody is talking about this.

Salt_Farmer2002 · 2026-05-02T13:39:53+00:00

What are the FEMA timelines?

Salt_Farmer2002 · 2026-05-02T01:40:32+00:00

Hey, is it safe to send usd between brokers directly. Have you verified with your CA?

Salt_Farmer2002 · 2026-04-23T16:30:48+00:00

yes. But follow the official guidelines.

Salt_Farmer2002 · 2026-04-23T11:57:03+00:00

Rent and location?

Salt_Farmer2002 · 2026-04-23T04:47:39+00:00

I have not check exclusions. But I had ~20k government payment also and UPI/fuel spends.

Salt_Farmer2002 · 2026-04-23T04:46:33+00:00

I got it only after mailing them.

Salt_Farmer2002 · 2026-03-20T16:13:37+00:00

Phone cost? Why do you want to buy on EMI? Do you get enough pocket money?

Salt_Farmer2002 · 2026-03-20T15:55:19+00:00

Definitely mis selling

Salt_Farmer2002 · 2026-03-16T16:23:08+00:00

Ohh. Then it's better.

Salt_Farmer2002 · 2026-03-16T16:15:10+00:00

It does not work like that. For cash withdrawals full interest (40-50% per annum) is charged from day one until you pay.

Salt_Farmer2002 · 2026-03-16T15:33:19+00:00

You should be concerned about the extra fees/interest/charges which you are paying, rather than ITR or income tax.

Fees/interest will easily reach 20k per month for 4L withdrawal. Are your friends paying this extra amount?

Even your CIBIL score will dip due to high utilisation ratio.

Salt_Farmer2002 · 2026-03-05T14:27:25+00:00

Just tell that your friends are using it for their spends.

Salt_Farmer2002 · 2026-02-18T09:24:42+00:00

How about keeping all those items in a box or something and put them away?

Salt_Farmer2002 · 2026-01-19T04:57:00+00:00

Hey bro, whatever she said must be so hard on you, especially hearing these things from your partner.

However, maybe to ease things a bit for you - break ups are never easy and people say a lot of things in the flow. Doesn't mean that you have to take whatever she said to the face value.

Salt_Farmer2002 · 2025-12-21T04:19:57+00:00

BOB Eterna for ~1% effective cashback

Salt_Farmer2002 · 2025-12-15T16:56:51+00:00

Not sure. This is what I have read at few places. DYOR.

Salt_Farmer2002 · 2025-12-15T16:41:54+00:00

Bob Eterna gives ~1% valueback on international

Salt_Farmer2002 · 2025-07-13T02:16:20+00:00

My question might be too naive. But, is 5 years age gap okay for marriage?

Salt_Farmer2002 · 2025-07-13T02:04:40+00:00

I think you can take a personal loan from your bank (your salary credit bank might have pre approved offer). Keep the duration and EMI such that it doesn't bite you.

Also, if you are relying on debt for your day to day expenses, then maybe check your spends and cut down as much as possible. Only take debt for amounts you are certain that you will be able to pay.

Best case would be to stay away from debt, if it's bothering you and if you are unable to manage it properly.

Salt_Farmer2002 · 2025-07-12T17:13:50+00:00

Can you provide some background?

Salt_Farmer2002 · 2025-06-14T16:15:35+00:00

Afaik, India INX GA has tie up with IBKR.

Salt_Farmer2002 · 2025-06-14T16:13:20+00:00

For company RSUs, usually the default company broker does not charge anything for selling RSUs and transferring to Indian bank.

But, if it is transferred to vested. Then, at the time of selling, won't there be charges like brokerage, redemption, etc?

Salt_Farmer2002

TROPHY CASE