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Ravisutanjani Kumar Profile picture
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28 Jun, 4 tweets, 1 min read
When all this is over. I’m boarding Trans-Siberian Railway 🚞 from China, will roam around Russia and schengen countries across Europe.

Istanbul and Turkey will be covered during return, can’t wait to see the world! ✈️❤️
I’ve a dream to travel 100 countries before my 25, been a solo travel for life.

The current score is 11/100 and hopefully I will achieve my milestone!

Traveled almost 500 cities in India and across the world. It gives me peace and a different outlook all together.
I know it’s crazy but a well calculated ambition, been a budget traveler so I get a great flexibility over my spends.

Backpacking, cheap air tickets, hostels and credit cards does the job well, travelling isn’t an expensive thing if you’ve the right resources.
PS - I do take pictures but I’m not on Instagram, my HDD is full of memories. This time will start a travel blog and a YT channel for sure!

I’ve literally completed many Intl solo trips in less than ₹20-₹30k. Do follow @outofofficedaku for brilliant travel insights!

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More from @Ravisutanjani

Ravisutanjani Kumar Profile picture
29 Jun
All about Credit Cards 💳⬇️

A Thread that will help you understand how it works? How to use them effectively so that you can beat 90% of people who fall into the debt trap?

Long 🧵 (Part-1)

#CreditCards #PersonalFinance #Startup #Money #CreditScore #Banking
Statistics say there are around 60Mn credit cards users in India 🇮🇳 and we are an underpenetrated market as compared to western countries. Millions of new Credit Cards get issued by leading Indian banks every year but the concern is do they promote any formal education about it?
Credit Cards are one of the most profitable businesses for banks, just check the annual reports of HDFC and SBI Cards.

v1.hdfcbank.com/assets/pdf/inv…

sbicard.com/en/who-we-are/…

Read 19 tweets
Ravisutanjani Kumar Profile picture
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
Ravisutanjani Kumar Profile picture
20 May
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.
Read 6 tweets
Ravisutanjani Kumar Profile picture
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
Ravisutanjani Kumar Profile picture
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
Ravisutanjani Kumar Profile picture
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

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