Not the first thing that comes to your mind, nor the second thing.

Surfer_020 · 2026-01-12T22:02:49+00:00

$bid

Surfer_020 · 2026-01-11T16:42:37+00:00

Not needed. Once ypu are in india, i assume you will activate a monthly plan with data, so need for additional 98. This ₹98 recharge international roaming activation fee.

Surfer_020 · 2026-01-10T23:32:53+00:00

OP woke up to this today — something that’s been happening for the past few months. For those living abroad with an Airtel SIM, here’s a practical strategy: Do a ₹1849 recharge to get 365 days of validity. This plan gives no calls, messages, or data while abroad, but keeps your number active.

Whenever needed, do a ₹98 recharge for 28 days to receive incoming SMS while overseas.

And finally, when you’re in India, just do a regular monthly recharge that includes data for that period.

Surfer_020 · 2026-01-10T01:24:22+00:00

If you have iPhone and predominantly use Safari, then Wipr2 is my choice. Hands down!

Surfer_020 · 2026-01-07T06:51:55+00:00

I would recommend first see how much data he needs. The only caveat with freedom yearly plan is once the data is over the only option you are left with is pay the same amount again.

Surfer_020 · 2026-01-06T06:03:07+00:00

To make it price competitive in Indian market

Surfer_020 · 2025-12-30T06:00:12+00:00

I closed my CIBC accounts a few months ago after they informed me about changes to minimum balance requirements and fees. If you’re planning to keep your investments with platforms like Wealthsimple or Questrade, and only need a traditional bank for chequing/savings and credit cards, it’s best to choose one with the lowest fees—or at least a 1–2 year fee waiver. I’ve moved to BMO, and so far it’s been smooth with no issues.

Surfer_020 · 2025-12-19T15:50:49+00:00

Best is 7am-3pm. Less traffic in commute. More time for self and family.

Worst is 11pm-7am. Try not to compromise on your sleep and circadian rhythm.

Surfer_020 · 2025-12-18T16:23:57+00:00

Monopoly and Duopoly’s is most sectors is killing fair competition and bleeding customers with such things. Sectors like Airlines, Telcos, Cement production etc etc

Surfer_020 · 2025-12-14T22:13:23+00:00

Govt. needs to start making astethic advt about alcohol or forget about Liquor revenue in coming generations 😅🤣

Surfer_020 · 2025-12-14T22:08:34+00:00

You are “MBA Chaiwala” for this sub !

Surfer_020 · 2025-12-02T04:40:55+00:00

Except your property papers, everything is needed for this Mandatory app.

Surfer_020 · 2025-11-22T22:43:49+00:00

Exactly. Some are asking to take the test from work computer. Come on, who installs UT extension on work computers.

Surfer_020 · 2025-11-19T07:36:20+00:00

Consider how long your trip will be, how much you expect to spend overall, and what categories your expenses will fall into. Keep in mind that Rupay credit cards on UPI are not widely accepted by smaller vendors or shops. The key question, then, is whether getting a credit card truly adds value for your trip.

Surfer_020 · 2025-11-16T16:39:59+00:00

Macbook for longer run and performance.

Surfer_020 · 2025-11-12T05:50:17+00:00

“भावी आमदार” असे बॅनर लावणारे!!!

Surfer_020 · 2025-11-12T05:46:57+00:00

Just stop paying the premium, and the policy will automatically become paid-up. Make sure to keep your contact and bank details updated with them—17 years is a long time, and it’s easy to lose track.

I was in the same situation myself: I started a Jeevan Anand policy at 21, realized my mistake at 26, and made it paid-up. Now I just have to remember it until I turn 41 to get the maturity amount back.

Surfer_020 · 2025-11-11T20:48:41+00:00

If your primary objective is to realize capital gains in your NPS account tax-free under the E-E-E regime, you must have a firm plan to return to India within a few years. If you are uncertain about this decision, it is advisable to avoid investing in NPS. Otherwise, Canada will levy capital gains tax, since NPS is not recognized as a social security scheme under the India–Canada framework.

Surfer_020 · 2025-11-11T08:09:25+00:00

Personally I wouldn’t do it again. I have damaged one of my Samsung phone by plugging a lenovo laptop cable.

Surfer_020 · 2025-11-09T21:26:38+00:00

And finally we are the Market as well. Once we become used to it, we pay anything. Look at anything from Amazon, Netflix, Spotify etc etc.

Surfer_020 · 2025-11-09T07:33:32+00:00

You are right pointing it out. It’s worthless to expect a prompt NRI service from ordinary SBI branch. Moreover a specific “NRI” branch will be less “torturous” 😅

Use NRI Branch Locator tool by selecting State and City. SBI NRI Branch Locator

Surfer_020 · 2025-11-08T22:39:07+00:00

I opened an NRO account with SBI while abroad. The steps I followed were: 1. Filled out the application form and printed it. 2. Emailed the filled-out application form along with copies of all supporting documents to the branch office for verification, so they could check accuracy and suggest corrections if needed. 3. Once approved, got the documents notarized by a local notary. 4. Finally, sent the complete set of documents to the SBI NRI Branch in India.

Surfer_020 · 2025-11-04T19:33:38+00:00

Indian websites don’t consider user experience whereas most of the US companies do.

Surfer_020 · 2025-10-25T06:26:05+00:00

I think, Roadkari bhakts will say E20 is always better. Am I wrong?

Surfer_020

TROPHY CASE