Achal Verma

[Achal Verma @Achal_007]

@FinPaal Damn.. EV seems better here 🙄

[Ankit Dewan @ankitdewan]

Big UPDATE regarding Biz Black:

👉🏼 Biz Black can again be got as a floater on *any* HDFC Card, including Infinia & DCBM, starting tomorrow.

👉🏼 For Floater, now you need 10L limit on your existing Card + of course business income criteria remains same.

👉🏼 For taking it as a core card (without floater), you need 45L ITR now.

👉🏼 Biz Power still being issued as a floater without any problems.

Psst. If you need contact details of a guy who can help, send me a DM.

[Rushil @RushilM_]

The one question EVERY HSBC Live+ holder has:
Where do I buy Amazon Pay GVs that fetch 10% cashback? 👀

Everyone knows Zepto.
But what ELSE?

My comments and DMs have been flooded with one name: Blinkit.

And YES - Blinkit DOES give 10% cashback. 🔥

BUT it's not the only one.

I purchased ₹12,000 worth of Amazon Pay GVs from Blinkit, and confirmed the MCC and 10% cashback with customer care post the purchase.

Merchants I've seen -
• BLINKIT COMMERCE PVT LTD / GROFERS COM - MCC 5411 ✅
• BLINKIT / GROFERS INDIA PRIVATE - MCC 5411 ✅

The community showed up with the rest:
• Zepto -
The go-to choice for most, almost always fetches 10% cashback. ✅
• MagicPin -
MAGICPIN / CAS*MAGICPIN. ✅
AVOID Razorpay*SAMAST TECHNOL / SAMAST TECHNOLOGIES. ❌
• OnPoint -
CAS*ONPOINT (CashFree Payment Gateway), MCC 5310. ✅

At the end of the day, it's ALL about the MCC.
Make sure to check the MCC and the 10% cashback eligibility with customer care post the purchase. As always, start SMALL, then go BIG.

Got a merchant and MCC that's working for you?
Drop it below.

[Satish Kumar Agarwal @iSatishAgarwal]

Why so much Fuss about PLUXEE 🤔

Bcoz even "New Tax Regime" has exempted it from tax upto ₹8800 pm 🤑

💰Huge benefits for people in 30% tax bracket

[Gajender Yadav @imYadav31]

Steps to port your fastag to other bank ⬇️

Open Rajmargyatra App
Look for OneTag on main screen
Follow steps

[Contractor Ganesh @ganeshraja88]

Best Gold buying option - savings using credit card #CCGEEK

This is what I did few months back.
1. Bought gold bonds through jewelers for a lumpsum
2. Also enrolled in their monthly chit scheme where I need to pay monthly to buy gold jewelry end of the year without paying 1/n

[tomato 🍅 @neembu_paani31]

there is cult membership sub reddit where user sells membership at 50% discount. reddit is goldmine

[TheBetterPath @TheBetterPath_]

As a Relationship therapist.

If you can’t have these 20 conversations before marriage, you’re not ready for marriage.

[Jacob Coxon @hilbertspaess]

I resigned from Anthropic today. I spent the last three years doing pretraining research at both OpenAI and Anthropic. Neither company is acting responsibly. They are racing straight to self-improving superintelligence and gambling with our lives. More thoughts below.

[Prashant Verma @prashant_v91]

My fellow men, we need to talk about postpartum care.

Before Rumi was born, I read up on postpartum. Hormonal changes, baby blues, sleep deprivation, mood swings (I am thorough, bro). I thought I was reasonably prepared. Yeah, so that was a big misjudgment. I was absolutely NOT prepared.

Turns out reading about this phase and actually living it are not the same thing at all. So I'm not going to pretend I have a solution. Think of this as a note you can come back to when you're in the middle of it and have no idea what you're supposed to do.

1. Put your ego somewhere very, very far away.

A friend told me this before Rumi was born: "For the next few months, destroy your ego. Take everything on the chin." I nodded as I got it. Oh boy, I did not get it.

Your wife has just gone through pregnancy, delivery, physical recovery, a hormonal crash, no sleep and being responsible for another human 24/7. This is not the time to win arguments. There were plenty of moments where I wanted to defend myself or explain what I actually meant. Honestly, most of those moments did not need a defence lawyer.

2. You are the translator between her and the rest of the world.

Biggest learning for me. Parents, in-laws (this needs its own thread), relatives, friends, visitors, phone calls, everyone's opinion on feeding and sleeping and how to hold the baby. All of it should come to you first. You take the hit, you filter it, and only the useful and kind stuff gets to her.

Someone wants to visit at the wrong time? You handle it. A dozen people want updates? You handle it. She is recovering. Don't make her manage everybody else's feelings on top of that.

3. Stop trying to solve everything.

I am always in problem-solving mode, and I have learnt that females hate it.

There were days my wife would cry and neither of us could say why. My default with any problem is "okay, what's wrong, how do we fix it." Terrible strategy here. Sometimes there's nothing to fix. She just needs to get everything out of her head while someone listens without turning it into an action plan. So sit with her. Listen. Hug her. Ask what she needs, and then actually do that thing.

And if the crying doesn't ease off after a couple of weeks, or something just feels off, that's a doctor's job, not yours. Get help.

4. Don't wait to be asked.

This one is straight from my wife. The baby is your job anyway, that doesn't count. Notice her. Get her food. Fill her water bottle. Offer a massage. Take stuff off her plate before she has to assign it to you. And every so often, give her the one thing that basically disappears once there's a newborn in the house: your full attention. Phone away, no baby logistics, just her (I was playing IPL fantasy during this phase and it was a bad decision).

5. Rehearse, if you can.

If you're anything like me, you forget things. Especially at 3am. Nothing on this list works if you only read it once, so go over it now and again before the baby arrives. Be a bit deliberate about it.

Looking back, I think I got "being prepared" wrong. I thought it meant knowing what could happen. What it actually means is remembering all of this at 3am, half asleep, holding a crying baby, while your wife is having one of the worst days of her life.

Trust me, you're going to need it.

[Balu Gorade @BaluGorade]

One legal way to reduce LTCG tax -

Gift shares or mutual fund units to parents, adult children, or siblings.

When they sell, they can use their 1.25 lakh annual LTCG exemption.

[Pooja @poojaofficial5]

My friend earns ₹35 LPA, but one thing he said really made me think.

He says

"I fall under the 30% tax bracket.
If you look at it annually, it almost feels like I am working nearly 4 months of the year just for the government."

At first, I thought he was exaggerating.

But when he explained his perspective, I understood his point.

You work hard all year to earn an income, and a significant portion goes towards taxes.

Then, when you spend the money left after tax, you pay GST on many things.

Earn interest from an FD ?
That interest can also be taxable.

And after all that, whatever is left has to cover

Household expenses
Family responsibilities
Medical and emergencies
Children’s education
Investments
Lifestyle expenses

My friend says

"Do not assume I am very much rich just because I earn ₹35 lakh a year.

Real wealth is what remains after taxes and expenses, and then grows over time."

And perhaps that’s why

High Salary and Financial Freedom are not the same thing.

Salary increases
Taxes can increase
Lifestyle increases
Expenses increase

But if savings and investments do not grow at the same pace,

a person can spend their entire life earning a good salary while still struggling to build substantial wealth.

So the real question is not just

"How much do you earn ?"

It is

"How much is left after taxes and expenses, how much of that gets invested,

and how fast is your wealth actually growing ?"

[Miles Mogul @MilesMogul]

We optimise flights.
We optimise hotels.

Apparently, we now optimise lowest unique bids too. 😂

15,462 Cheq Coins → PS5. 🎯

This was ridiculously fun, @CheQ_One

[SpendWisely @spendwiselyx]

⚠️ To all the people who are considering HSBC Demat account route to maintain TRV for Premier Account…..

HSBC Demat Account, in its current form, cannot be a substitute for your regular demat account (like Zerodha), because HSBC currently does not offer an associated trading account.

👉 This means that once you transfer your Stocks or ETFs to your HSBC Demat Account, you cannot buy or sell them online like you do with a regular broker.

⏳ Selling a stock or ETF, which usually takes just a few seconds through Zerodha or any other trading platform, can take 5–7 days with HSBC Demat due to the offline process.

There are only two ways to transact:

📌 Option 1: Contact your HSBC Relationship Manager (RM) and place an offline buy/sell request.

📌 Option 2: Transfer your Stocks/ETFs back from HSBC Demat to your regular demat account (like Zerodha). For this, you’ll need to fill the physical Delivery Instruction Slip (DIS), courier or hand it over to your RM, who will then initiate the transfer.

⏳ Both processes generally take around 5–7 days to complete.

💡 Earlier, HSBC had a tie-up with ICICI Securities, which allowed customers to buy and sell Stocks/ETFs instantly through an online trading account. That partnership ended last year.

HSBC representatives have informed that they are working on bringing back an online trading facility, but there is no confirmed timeline yet.

📈 Most people (including myself) who have chosen the Demat route to maintain the Total Relationship Value (TRV) for the HSBC Premier Account have transferred only that portion of their Stocks/ETF portfolio which they do not intend to sell in the near future and are comfortable keeping locked in an account where selling may take 5–7 days.

So, please understand these operational limitations before transferring your investments. Make an informed decision based on your own requirements, and if needed, consult your financial advisor before taking any such step.

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 https://t.co/O06qoNyoQi

Some links may be referral links in the above post. It supports the page without any cost to you.

#creditcard #spendwisely #creditcard

[Vineeth K @DealsDhamaka]

HDFC ERGO Optima Secure+ is definitely one of the strongest health insurance plans to consider in today's market.

Why?

Earlier, the policy had a limit on how much your coverage could grow. But with Optima Secure+, that limitation has been removed. Instead, you now get an Infinite Benefit, where your base sum insured increases by 100% every policy year without an upper cap, as long as the policy continues.

On top of that, you get:

✅ 2X coverage from Day 1 through the Secure Benefit.
✅ Unlimited Restore, which replenishes your base sum insured for subsequent admissible claims in the same policy year.
✅ Protect Benefit, where listed non-medical consumables are covered.
✅ No room rent restrictions.
✅ No disease-wise sub-limits.
✅ No mandatory co-payment for eligible policyholders.

For people looking for additional protection against specified major illnesses, there's also an optional Serious Illness Booster, which provides extra coverage for covered critical illnesses.

Another major advantage is the 6-zone premium structure. Depending on where you live, your premium may be lower than before, making the plan much more competitively priced than earlier versions.

Previously, many people felt HDFC ERGO was expensive. But with the new pricing, the premium difference compared with many other top insurers has reduced significantly. In many cases, the difference between a ₹15 lakh and ₹20 lakh base sum insured may be only around ₹1,000–₹1,500, though this varies based on age, location, family composition, and underwriting.

Compare it with other good plans based on your needs, disclose all medical history honestly, and then make an informed decision.

❌ Please note that this is not a paid promotion, nor I am suggesting this plan. 100s of people ask me to share more about insurance, hence asked my insurance advisor to share about these more.

[CA Niraj Dugar @contliving]

HDFC Ergo's newest health cover, Optima Secure+, has a benefit that doesn't have a stopping point.

A thread on how it actually works, with real numbers 🧵

[SpendWisely @spendwiselyx]

HS-BC Premier x TRV 💰

Guys, if you are chasing Rs.50 Lacs TRV for HS-BC Premier, here’s something very useful 👇

👉 If you have purchased your Mutual Fund units through Zerodha Coin app, you can simply transfer them to HS-BC and those will be considered as part of your TRV for Premier Account, even if those are Direct Mutual Funds. ✅

👉 When you invest in Direct Mutual Funds through Zerodha Coin app, your MF units are held in Demat form.

👉 Those Demat MF units can simply be transferred to your HS-BC Demat account using the physical Depository Instruction Slip (DIS) method. It is as simple as moving shares from Zerodha Demat to HS-BC Demat. 🔄

👉The entire process took just 4 days including DIS courier transit time. The value reflected in HS-BC Demat next day.

👉 If anyone is looking for maintaining the HS-BC Premier TRV through the Mutual Fund route and doesn’t want to go for Regular MF, this is probably the easiest way. 👍

✳️ Tried & Tested Already ✳️
And it’s working 😊

🔥 Want the complete step-by-step process?
Just comment “TRV” below 👇👇

If there is enough interest, I’ll share a detailed step-by-step guide on how to transfer your Zerodha Demat Mutual Funds/shares to HS-BC Demat and get them counted towards Premier TRV. 🚀

👉👉 NOT A FINANCIAL ADVICE. CONSULT YOUR FINANCIAL ADVISER.

—————————————

📘 Visit SpendWisely Blog: Detailed credit card reviews & guides 👉 https://t.co/O06qoNyoQi

Some links may be referral links in the above post. It supports the page without any cost to you.

#creditcard #spendwisely #creditcard

[WealthyDimes @WealthyDimes]

🚨 𝗛𝗦𝗕𝗖 𝗟𝗶𝘃𝗲+ — 𝗡𝗲𝘄 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗔𝗿𝗲 𝗡𝗼𝘄 𝗟𝗜𝗩𝗘!

The 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗟𝗼𝘂𝗻𝗴𝗲 𝗔𝗰𝗰𝗲𝘀𝘀, 𝟭𝗚𝗕 𝗚𝗹𝗼𝗯𝗮𝗹 𝗗𝗮𝘁𝗮 𝗲𝗦𝗜𝗠, 𝟲 𝗠𝗼𝗻𝘁𝗵𝘀 𝗦𝗼𝗻𝘆𝗟𝗜𝗩, and 𝗦𝗲𝘁 𝗠𝗲𝗻𝘂/𝗖𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗗𝗿𝗶𝗻𝗸𝘀 benefits for HSBC Live+ are now live! 🎉

Here are some of the key benefits and links to claim them 👇

✈️ 𝟭. 𝟭𝗚𝗕 𝗚𝗹𝗼𝗯𝗮𝗹 𝗗𝗮𝘁𝗮 𝗲𝗦𝗜𝗠
🌍 𝟮. 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗟𝗼𝘂𝗻𝗴𝗲 𝗔𝗰𝗰𝗲𝘀𝘀 & 𝗕𝗼𝗼𝗸𝗶𝗻𝗴
Both Primary & Add-on cardholders can separately avail these benefits as per the applicable T&Cs.

👉 Claim: https://t.co/BWsTVB7XXm

📄 T&Cs: https://t.co/NywdwVIyj1

🍿 𝟯. 𝗦𝗼𝗻𝘆𝗟𝗜𝗩 — 𝟲 𝗠𝗼𝗻𝘁𝗵𝘀 𝗙𝗥𝗘𝗘
🍽️ 𝟰. 𝗗𝗶𝗻𝗲𝗪𝗶𝘁𝗵𝗧𝗶𝗺𝗲𝘀𝗣𝗿𝗶𝗺𝗲 — 𝗥𝗲𝘀𝘁𝗮𝘂𝗿𝗮𝗻𝘁 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀

Enjoy a handpicked collection of India's finest restaurants, including:
• 𝗦𝗲𝘁 𝗠𝗲𝗻𝘂 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲𝘀
• 𝗖𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗗𝗿𝗶𝗻𝗸𝘀

👉 𝗖𝗹𝗮𝗶𝗺 𝗯𝗼𝘁𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀:
https://t.co/JsbnPtHyAL

📄 T&Cs:
https://t.co/mchQk0nc2S

🔗 𝗘𝘅𝗽𝗹𝗼𝗿𝗲 𝗮𝗹𝗹 𝗛𝗦𝗕𝗖 𝗟𝗶𝘃𝗲+ 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀:
https://t.co/zgTqv0Uun0

💡 The card not only provides 𝗟𝗶𝘃𝗲+ 𝟭𝟬% 𝗰𝗮𝘀𝗵𝗯𝗮𝗰𝗸 but also comes with some 𝗽𝗿𝗲𝗺𝗶𝘂𝗺 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀.

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗼𝗳 𝗮𝗽𝗽𝗹𝘆𝗶𝗻𝗴?
https://t.co/g0k8HUsRxj

📖 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗹𝗶𝘀𝘁 𝗼𝗳 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 + ₹𝟰,𝟰𝟱𝟬 𝘄𝗼𝗿𝘁𝗵 𝗼𝗳 𝘄𝗲𝗹𝗰𝗼𝗺𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀:
https://t.co/kIilmKd4u0

[Credofly @credofly]

Bellandur - Marathahalli outer ring road:

💰 One of the highest tax-paying belts in India.
🚗 Also one of the worst traffic zones in India.

Bengaluru in two lines.