How to save 3-25% on FUEL transactions?

Step 1 :

Create an account with one of the Fuel Providers.
I fill my petrol only in Indian Oil, so created IOCL account and always give my mobile number for the billing.

So every time petrol is filled XTRAREWARDS get accrued

#ccgeek Step 2 - with Credit Card

Take a Fuel based credit card which will offer you rewards and surcharge waiver for every fuel transaction

I use Indian Oil - Citi Card which provides 4 Turbo points / Rs. 150 spent

Each Turbo Point = 1 rupee

Attended my kids school orientation session today, he will be joining NURSERY soon…

In the session, teachers shared some trends they are observing & suggested some key pointers for parents to keep a watch on …

Although all are basics, this made me INTROSPECT a lot

1/n Children have slowed on taking instructions these days …

Reason - they watch TV/Gadgets and most of the learning is happening through eyes & not ears

Earlier kids in school used to listen in 1st instance, now it takes 5 times

LEARNING THROUGH EARS IS REDUCING

2/n

On request, I am sharing the top 5 cards I use right now

AXIS MAGNUS - Premium Card

5X - 40X rewards using GiftEdge, GrabDeals portals
25000 milestone points on >1L spend/month

Points to miles conversion ratio is very good

Annual charges - 11.8K/Year
10K TataCliq voucher free AMERICAN EXPRESS MRCC Card

Reward multiplier
4 transactions of 1500/month - 1000 points
20000 spend milestone - 1000 points

18K & 24K rewards are the best. Saved more than 70K in last 4 years.

First-year free + bonus points on referral

Apply here -
americanexpress.com/en-in/referral…

#GOLD investment in #India ?

Most of us are hearing a lot about #SGB - Sovereign Gold Bonds these days. In this thread, I will try to explain my understanding

Sovereign gold bonds(SGB) were introduced by the Government of India in 2015 under the Gold Monetization Scheme.

1/n SGBs are substitutes for Physical gold, the bonds are issued by RBI (Reserve Bank of India) on behalf of Govt of India.

Imagine buying gold but in non-physical form, the price of the bond increases and decreases with the price of Gold in the international market

2/n

I have screened over 500 resumes and conducted more than 250 interviews ranging from entry-level to senior executives, and here are some basic/generic observations

- CV (curriculum vitae)
- Interview Readiness
- Interview Questions
- Interview Etiquette

#JobInterview CV (curriculum vitae)

Keep it concise: A CV should be a maximum of two pages long. Use bullet points and clear headings to make it easy to read.

0-8 Years -> One page
8+ years (Senior role) -> Two pages (the first page highlighting the latest experience)

ISB at #Hyderabad will forever remain as a great case study of how a leader with a vision and agility made the impossible possible

#ISB established with a motto of strengthening entrepreneurship and fostering innovation will truly stay as one of the biggest achievements of CBN

https://twitter.com/isbedu/status/1603775726326779905

Keeping politics aside, the reason this is very close to my heart is because of the impact it created on many other visionaries who then setup such institutes across India to help nurture India’s young leaders with world class faculty & opportunities

#ISB

గత 10 సంవత్సరాలుగా నా జీవితంలో డబ్బు వల్ల, అప్పు వల్ల నేర్చుకున్న కొన్ని పాఠాలు

- డబ్బు చాలా ముఖ్యం, చేతిలో ఉన్నప్పుడు దాచుకోవటం నేర్చుకోవాలి

- ఇల్లు చక్కబడ్డాకే దేశం కోసం దానం - అప్పు ఇవ్వొద్దు, అప్పు తీసుకోవద్దు … మిత్రుడు కష్టాలలో ఉంటె ఒక ఉద్యోగం, ఒక దారి, చేతనయితే కొద్దిగా రుణ సహాయం

- చేసిన సహాయం తిరిగి ఆశించొద్దు

- రెండు రూపాయల పయిన వడ్డీకి డబ్బులు తీసుకోవద్దు

- రోజువారీ వడ్డీకి డబ్బు తీసుకుంటే మన జీవితం వారికి తాకట్టు పెట్టినట్టే

I use credit cards for all my expenses for making the best of reward points. I earn around ~Rs.30,000-60,000 a year on reward points

As the Indian middle-class, every rupee reward counts in saving more

Below is the thread of some cards that I use for my expenses 🧵

#CreditCard Key things to consider:

- FREE CARDS - I prefer only free cards & never paid a single rupee as membership fee for any of my cards

- CREDIT as DEBIT - I use my credit card like debit card, spend and pay immediately

- TRACK OFFERS - Credit cards have specific offers, track them

My 10 Golden Rules of #investment 🧵

A small insight into my learnings over the past 8 years

All Basics - Nothing Complex

For #investing, I follow KISS (Keep it Simple, Stupid)

cc - @dmuthuk, @Vivek_Investor, @FI_InvestIndia for my learnings over time from them

#StockMarket 1. Don't invest in something that I don't understand

Financial world is an ocean, there are many instruments ranging from debt to equity to crypto to P2P to ULIPs

I can't invest in everything. I need to pick the ones I understand to have confidence in my investment strategy

How did I save from my spending??? 🧵

I used some FinTech apps and credit cards and saved good amounts from my spending

A small thread on the Top Apps I liked & Savings.

Feel free to RT 🙏🙏

NOTE - I use my credit cards as debit cards & pay instantly

#Finance #Shopping 1 - CRED

Cred has been my companion for all the credit card payments for the past 4 years

Got around 1% cashback just by paying credit card bills

New users can sign up now below & get Rs.250 instant cashback on the first payment of min Rs.100

Sign up
app.cred.club/spQx/f5925dc3

1/n

80 YEARS OF WISDOM

Warren Buffett's Berkshire Hathaway 2021 Annual Letter 🧵

Our goal is to have meaningful investments in businesses with both durable economic advantages and a first-class CEO

Charlie and I are not stock-pickers; we are business-pickers

cc @dmuthuk sir 2/n

Surprise, Surprise

Berkshire owns and operates more U.S.-based “infrastructure” assets –classified on our balance sheet as property, plant and equipment –than are owned and operated by any other American corporation.

😱😱😱

MY MISTAKES IN STOCK MARKET 🧵

Purely based on my 8 year experience in the market. Learnings from zero. Might have some very basic mistakes and learnings, but it’s a journey of very hard learnings

Purely my learnings

@dmuthuk @Vivek_Investor

#Investing #StockMarket #Trading 1/ Having No Plan

Started investing in stocks to make money. No Plan, No Goal, just to make some money

Used to buy when I had money & sell when I needed it. Often, the returns where 2-3 digit & I made 100s of trades to achieve

Learning:
SET A GOAL & KEEP INVESTING TO ACHIEVE

Intro to Investing in Real Estate Sector #Thread #Investing

A rather complex sector to understand the business models

cc @dmuthuk @Vivek_Investor

Segments in this sector:

- Residential Segment
- Commercial Segment
- Retail Segment
- SEZ Segment
- Hospitality Segment

1/n Segment 1 - Residential Segment is highly fragmented and contributes to around 75% to the Real Estate Sector

- 20000+ residential builders in the India
- National, Regional & Local focus

Godrej - National
Shobha, Prestige - South
DLF - North
Oberoi, Hiranandani - West

2/n

#UnitedSpirits - A story of the Spirits in India (Thread)

USL is subsidiary of global leader Diageo PLC. world’s second-largest spirits company by volume

Disc - Personally invested and continue in SIP mode in this stock. Not a suggestion

cc - @dmuthuk

1/n The company manufactures, sells and distributes an outstanding portfolio of spirits
ranging from premium brands such as Johnnie Walker, Black Dog to Aspiring class including McDowell’s No1, White Mischief etc.

PRO - They have something for every class of income

2/n