Nitin Bansal👣🏃🏻

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@DoBaniye Does it work for Amex cc bills as well ?

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@PayRyt_In which is better card for 15L spend compared to Atlas

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@rodriguezjoma @Grok please explain

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@VoyageBliss Does tickets done through OTAs also become eligible for Upgrade+ or upgrade with miles.. have not found a clear answer anywhere .. even Air india cc is not sure ..

[Slim @onu_slim]

Do you know by 45, life has already answered you. Not with words, but with outcomes.

At 45, you are no longer becoming. You have largely become. Your finances, health, relationships, and reputation are no longer promises. They are evidence.

This is the age where self deception collapses. You can’t keep blaming your parents, your country, your spouse, or bad luck.
Because by now, you have made enough choices to own where you stand.

By 45, time is no longer theoretical.
You feel it in your knees, your back, your energy levels, and your recovery time.
You realize youth was not just age. It was resilience you did not respect.

At this stage, regret becomes loud.
Not the dramatic kind, but the quiet ones.
The calls you never returned.
The skills you postponed learning.
The risks you were too comfortable to take.

By 45, your children, or the absence of them, mirror your priorities.
Your marriage, or lack of peace in it, reflects how well you learned emotional discipline.
Your friendships are fewer, because tolerance for nonsense is gone.

This is also when money tells the most honest story.
Not income, but preparedness.
If work stops today, how long can you breathe without panic.
At 45, that answer matters more than titles.

By this age, people stop listening to your explanations.
They watch how you live.
You are either a reference point or a warning.

Your health is no longer forgiving.
Every ignored checkup.
Every year of stress without rest.
Every habit you told yourself you would fix later.
Later has arrived.

At 45, dreams that survived discipline look powerful. Dreams that survived excuses look childish.
You now understand that hope without structure is cruelty to yourself.

This is the age where legacy quietly replaces ambition.
You start thinking less about applause and more about impact.
Less about proving, more about leaving something solid behind.

By 45, life stops negotiating.
It simply enforces the consequences of earlier decades.
And the most painful realization is this. Most people did not fail because life was unfair. They failed because they delayed honesty with themselves.

At 45, peace becomes the real currency. And you either earned it through discipline, foresight, and humility. Or you spend the rest of your years trying to explain why you don’t have it.

[Nitin Bansal👣🏃🏻 @NitinBOnline]

Has anybody recvd any communication in this regards..#ccgeeks @CreditCards.com .. has axis changed policy regards to Atlas ..#Axis Atlas @AxisBank

[Monika Halan 🇮🇳 @monikahalan]

Best time to fix your asset allocation is when markets are in the red.

In a bull run, even risk-averse investors get adventurous.

Fix your allocation between debt and equity when markets show a consistent red.

[Anupam Gupta @b50]

Imagine this year 2025 without SIP flows. Startups wouldn't be able to list. FIIs wouldn't be able to sell. Promoters wouldn't be able to offload. So, my Person of the Year 2025 is The SIP Investor (including myself).

Without him/her the Nifty would be at 18K, luxury home sales would be hit, Mercedes Audi, BMW, sales would be down, wealth managers would be jobless, content creators (incl myself) wouldn't get views, and startup founders wouldn't be able to give gyaan on social media.

The SIP Investor takes a loan to buy an iPhone, but keeps his SIP going, he hopes his Rs5000/month SIP will one day help him to quit his toxic job and become influencer by age 40 or retire to do farming by age 50. If all else fails, start your own podcast. House is sorted because kuch nahi to baap ka ghar toh hai.

Here's toasting the SIP Investor. That's me, that's you, that's all of us. Happy New Year guys, may the odds be in your favour. Because this is India. Yahan par next level Hunger Games chal raha hai.

[Nitin Bansal👣🏃🏻 @NitinBOnline]

Does amex plattravel not work in indian international terminal lounges anymore..it use to till a few months back.. currently was refused in blr terminal 2 080.. has something changed.. @ccgeeks_

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@rishabh_101 I would go for a more conservative 6-7% .. calculating 1MR to .5 INR and discounting the taj vouchers ..with those it may surely be close to your estimates ..

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@Kanishk_Razdan @ayanlogs @pointscasa First up-great work.Short feedback - not sure if the column If you transfer XXXXX estd Rs XYYX is needed with it being repeated with the same value for all rows not sure if it may change for any rows .. also not sure what the est Rupee value is,may be a roll over text may help

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@kishorefinance @suritalreja Great thanks .. I'll as well cancel citizen M now to be on the safe side

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@kishorefinance @suritalreja did your Marriott Gold membership change after cancelling citizen M membership

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@cbe_sam @sumit0409 @EconomicTimes @latha_venkatesh @ActusDei @monikahalan @deeptibhaskaran As far as market linking is concerned , I suppose a portion of EPFO money is invested in equity as well, I feel govt is pushing NPS to get rid of the Old Pension scheme , once that is achieved , tinkering with NPS may start .. obviously targeting the top 2% corpus or so..

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@ankurmittal Just to update , I got the status updated to silver

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@ankurmittal Did anyone got the membership upgarded to Sliver Elite with the offer , how long does it take ? I got the response from MC lifestyle manager of taking in the request and submitting to verifying with marriott .. but nothing post that ..

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@ActusDei By when is the decision on 20% annuity expected ? Is the partial withdrawal before maturity already available today or still a proposal?

[Nitin Bansal👣🏃🏻 @NitinBOnline]

@vatsal_sanghvi I suppose what keeps you going inspite of the peak salary is what would you do if not for the job that you are doing .. may I do not have very time consuming hobbies but life without job appears too boring to me .. irrespective of salary fig..

[Fazal Afghan @fhzadran]

Who did this? 🔥