SPAM and Telemarketing ⬇️⛔️

I’m fucking frustrated with some shameless companies, despite DND, emails and requests these scammers don’t leave a chance to irritate.

I’m filing an appeal with regulators, name the company and do share your experience. I promise to take it ahead.
I’m starting with PolicyBazaar, Dhani, Rupeek and Bajaj Finserv.

Was doing a product research so had to sign up for feasibility and to review their offerings.

Now they don’t miss a chance to spam me, every day I receive shitty phone calls from their agents!
@Truecaller said 98.5% of all spam calls in India came from domestic numbers obvious due to lockdown and this makes difficult for authorities to identify between commercial and personal usage.
And I’m not surprised, ⬇️

business-standard.com/article/econom…
I don’t care about the target of your sales team and monthly ARR, all I want my privacy to be respected and protected.

Adopt new marketing channels e.g. - Social Media, WhatsApp etc but you can't bombard me with your calls/SMS, especially when the user has declined.
Even if it takes years, I’m after this telemarketing industry and some shitty companies who have overridden regulatory and laws.

BFSI is one the golden mine for them, I wouldn’t stay quiet.

Multiple developments are happening with TRAI, Consumer Forum, IRDAI, RBI and MoT.

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More from @Ravisutanjani

21 May
Today’s Data Breach Day 🖥

After Air India, Domino’s Pizza is joining the party, I incapable every time when I see a cyber attack. Actually, we and our government doesn’t seem takings data protection and cybersecurity seriously.

Here're few resources that can help you! 🧵⬇️
First of all, here, you can check for recent data breaches using your e-mail - monitor.firefox.com

Pretty Useful ⬇️
Mobikwik, Dunzo, BigBasket, Juspay etc.

Data breaches are common these days and it becomes difficult when it contains sensitive and financial information such as credit, debit card details, password etc.

In order to protect yourself here are few things which you can consider-
Read 6 tweets
20 May
If you use Credit Cards, this thread is for you.

We’ll discuss some cool hacks to understand payments, save fees and how to avoid charges!🧵⬇️

#Payments #Fintech #Banking #CreditCards 💳
Credit Card Bills aren’t like Electricity Bill and you can literally pay any amount whenever you want, regardless of billing cycle and dates.

e.g - You can pay in advance or even before bill generation date for 0 outstanding. (1/n)
Now this is very important, we’re talking about Payment.

Always consider paying in full and don’t carry forward balances to the next month, minimum due is a trap. In case if you’ve large debt, take a personal loan and settle off your dues asap! (2/n)
Read 10 tweets
19 May
Okay so now everyone can see bloodbath around #cryptocurrency 🛑

Let me tell you something, I’ve been in crypto before the trend, invested through Unocoin in 2016.

My holdings were locked till Supreme court orders, and booked massive gains in the last really!

Learnings ⬇️🧵
I never ever consider #cryptocurrency as an asset class and strictly advice to anyone if you’re investing for diversification etc.

Beware from people who talk about decentralisation, future etc!
You can take a ride if you’ve excess cash and you’re ready to lose it,

There’s a high probability that it may give you massive returns or can become 0 as well.

Understand your risk profile before investing, Elon Musk and your friends wouldn’t compensate for your losses!
Read 4 tweets
18 May
I had started trading in the Equity Market way back in 2016. Had absolutely no idea about the stock market so made a lot of mistakes and have learned some meaningful lessons.

I see people share their profits but showing losses are equally important, Here you go! ⬇️💡🧵
2) Except for some initial losses, I've been profitable in Equity. I never enjoy Intraday trades so BTST and Delivery worked well in my case,

In 2020 IPOs had a major share in making number greens. F&O is a big 'No' unless you’re giving full time and have such a risk appetite.
3) In 2017 I was sitting with around +60k in equity profits and 3 big trades (wrong) turned everything red 🔻 so I'd to take a break.

Tried to fun with F&O in 2020 and again lost a big sum of money, profit of +95k turned into -41k due to some stupid calls and 'GREED.'
Read 16 tweets
17 May
Gold is one of the most favoured investment options for Indians and it works as a hedge against inflation.

Sovereign Gold Bond 2021-22 Series I is open for subscription from May 17, 2021, to May 21, 2021

Date of Issuance-May 25, 2021

SGB Price-₹4727/g
Gold Price-₹4979/g
SGBs are government securities in grams of gold, issued by the RBI on behalf of the Government of India.

Official information is on the RBI webpage - rbi.org.in/Scripts/FAQVie…

If you have an 8-year horizon, SGBs are the best choice as you can save LTCG tax.
Where can you buy SGBs?

You can buy it from your bank, post offices, NSE/BSE, either directly or through agents.

You can apply for Sovereign Gold Bonds through your Net Banking or Demat accounts, like Zerodha, Upstox etc.

zerodha.com/gold/
Read 11 tweets
15 May
5 Years and 21 Credit Cards, ⬇️

Never paid a single ₹ as int, charges or penalty, using high-end cards that includes 3 American Express, 2 HDFC Diners, Citi etc.

Churned around 3 Lakhs till date in the form of Airline, Hotel Voucher, Cashback etc. (I maintain a tracker!)
I can certainly understand if someone uses a CC without any discipline they’re bound to fall into the debt trap,

As I said, it’s a pure blessing for people who know how to use them effectively, my TL is full of information about CCs and their amazing benefits.
You can conveniently pay via your bank accounts like UPI or Debit Cards, but technically you're funding the MDR which merchants pays to Bank/PG and they spends money on marketing,

That benefits aware CC holders, obviously banks doesn’t like us who pays before or on-time.
Read 6 tweets

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