I don’t know who need to hear this,

But if you pay direct taxes please learn to seek explanations from the government.

Ask where your money is being spent, how they’re progressing in terms of developments?
I’m one from millions of honest taxpayers who pays IT, GST, LTCG/STCG etc and my yearly contribution is equivalent to around 50-60g of Gold in today’s price.

Sense proud to contribute my bit but at the same time feel miserable when I see we don’t even have basic infra right.
We still lack good healthcare, quality and affordable education, sanitisation and employment etc.

Not even talking about broader cause like equality, sustainability, corruption, pollution etc.
The problem is majority doesn’t want to raise issues and speak up, they don’t care until they face the heat themselves!

That’s why we are building @UmeedExpress, due to professional and life commitments it’s delayed but I just don’t want to be idle, I care and I will fight. 👊

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More from @Ravisutanjani

4 Jul
Neobank(s) - Old wine in a new bottle? 🏦🍷

• FI Money
• Jupiter
• NiyoX.

We've 3 Neo-banks in India, They’re basically Fintech companies promising to provide 100% cutting edge digital banking services.

But are they really good? What’s new?

Sunday Special Thread 🧵⬇️
Let’s check the basics first,

Almost similar benefits. Same zero balance account with free debit card etc. I will be pretty straightforward with my review so get your popcorn handy. 🍿💰 Image
First of all the concept of waiting list these Fintech(s) are using is a marketing gimmick to create hype, some introductory offers, and BS. Same as a Flash sale on an e-commerce website for newly launched electronics.

If your product is so good, just open it for everyone. 👎
Read 16 tweets
2 Jul
Which Mutual Fund Apps are best for Investing? 📈💰

This is the most common question I hear so here’s an explanatory thread. 🧵⬇️

#FridayInvesting #PersonalFinance
We have around 44 AMCs (Asset Management Company who manages your fund) that offer more than 2500 mutual fund schemes.

Yes India is one of the fastest-growing markets for Equities Investments. 📈
And there you have dozens of third-party apps extending Mutual Fund related offerings,

• Zerodha Coin
• Groww
• Kuvera
• INDMoney
• Paytm Money
• ET Money and more

And two RTA’s apps:
• CAMS
• KFinKart (Karvy)
Read 17 tweets
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
28 Jun
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.
Read 4 tweets
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
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

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