Last Minute Bill Payment? 😢
Pay your credit card bills using UPI 💳💳💳

Amex:

Log in through any UPI enabled mobile banking app / BHIM and pay.

American Express UPI VPA is AEBC3XXXXXXXXXXXXXX@SC (Please ensure that you put your complete 15-digit Card number beginning with 37 or 34)

#ccgeek #creditcard SBI CARD bill:

Step 1 : Click on Pay by VPA (Virtual Payment Address).

It should be Sbicard.16 digits of your credit card no@SBI e.g. Sbicard.4726420123456789@SBI

Step 2 : Insert amount which you wish to pay to SBICARD and click on Go

Road-trip from Pune to Royal Rajasthan!!

• 3200kms
• 6 hotels
• 10+ attractions

All in 50k INR plus Marriott points for a family of 2+1 Day #1

• Drove from Pune to Ahmedabad via Mumbai, achieving the best mileage since purchase, all thanks to the fog!😜😆

• Had amazing food at TAPI Restaurant (since 1975) in Surat.

• Stayed at the Fairfield by Marriott (9500 points)

• Visited Vibrant Sabarmati River Front

• Had delicious Gujarati Thali at ISCON THAL

#PUNE AGRI TOURISM - PICNIC 🧺

Went on a PICNIC with 15+ families today

Meher Retreat located 42Kms from Pune

Rs.750+ Taxes/person (we got 15% off)

- Multiple Activities - Boating 🛶 , Bullock Cart Ride, Tractor 🚜 ride, animal farm 🐐 🪿 🦃 🐄 🐂 🦜 , kids play area, Magic show, swimming pool, rain dance, water slides etc.

- Paid activities - Pottery, mini digger

- Unlimited meals - Breakfast, lunch, Hi-Tea, Sugar cane juice

- Hurda Special Activity

- Farm fresh produce sale

Kids to elders, every liked it within the budget

#Travel


Activities

After 1.2M views for the BANKOK TRIP, here is ⤵️⤵️⤵️

PART 2 - Trip to 🇹🇭 THAILAND & MALAYSIA 🇲🇾

Covering #MALAYSIA – Scenic Parks, Luxurious Stays, and Culinary Delights!

- Family of 3 (Wife, 4yr old kid & me)
- 3 Days
- Total Spend 40K INR + CC points

Itinerary & details below (with Food & locations for INDIANS 🇮🇳)👇
Will share all the links at the bottom
DAY 3 - Landed at 3PM in #Malaysia from #Bangkok …

Started with a shocker - Forgot our passports in the airport trolley & had to go back 😢 2 hours wasted.

Booked Hotel in Central location. #AIRPORT to #HOTEL is 57 Km, takes 45mins to 1 hour

Used GRAB Taxi - it took us 80 MYR ~Rs.1500.

There is KLAI EXPRESS (Direct train to central) which charges 45 MYR per person. So for 2 or more people, Cab is cheaper.

Ours is unplanned itinerary, if you are planning before - Look at KLAI TRAVEL PASS. At 80 MYR, you can take most train & bus rides for 2 days + one way to KLAI Terminal

Trip to 🇹🇭 THAILAND & MALAYSIA 🇲🇾

Exploring Southeast Asia: A Journey Through Malaysia & Bangkok – Safari Adventures, Scenic Parks, Luxurious Stays, and Culinary Delights!

- Family of 3 (Wife, 4yr old kid & me)
- Covered cities only (6 days)
- Total Spend 1.1 Lakh INR + CC points

Itinerary & details below 👇
Will share all the links at the bottom

#Travel #ccgeek Trip planned only 6 days before, turned out to be a bit expensive

DAY 0 -> MUMBAI TO BANGKOK

Via. Air India

Booked with Air India miles (32000) + Rs.6000 for 2 tickets and Rs.20000 revenue for 3rd ticket

Total revenue cost Rs.26000

ADANI WEST LOUNGE IS GOOD (Perks of Air India Platinum Membership)

Landed in Bangkok and booked cab to hotel

29 Kms - 222 BHAT (~Rs.500 INR) booked through BOLT - Car was Toyota ALTIS

One can get cheaper flight tickets via AVIOS miles if booked 3-4 months early

NEW TO INVESTING ? Few things to keep in mind … 📕📕📕

Most of them were true in my case

Overconfidence - Many individual investors tend to believe they can consistently pick winning stocks, leading them to trade frequently. This overconfidence often results in higher transaction costs and lower overall returns.

#Investing Loss Aversion : Investors often hold on to losing stocks for too long or keep averaging , hoping they will recover, rather than cutting their losses. This reluctance to sell at a loss can lead to missed opportunities in more profitable investments.

'సంపాదించడం' ఎలా 🧵

డబ్బు కన్నా సంపద మిన్న

1) మనం పడుకున్నప్పుడు కూడా సంపాదించే ఆస్తులు ఉండటం 'సంపద'

2) మన దెగ్గర నుండి దోచలేని జ్ఞానమ్ ఉండటం 'సంపద'

1/n 3) రేపు ధనం పోయినా, బలం పోయినా, బలగం పోయినా, హోదా పోయినా - ఎలా అయినా బతికేస్తాం అనే ధైర్యం ఉండటం 'సంపద'

4) నైతికంగా తప్పుదోవ పట్టకుండా ధనం సమకూర్చటం 'సంపద'

2/n

BEST FUEL CREDIT CARDS in INDIA 🧵

Fuel has become more expensive than ever at ~110/Ltr

One can save 3-7% on fuel using the following credit cards below :

#ccgeek #Creditcard SBI BPCL Octane Card

Joining Fee - Rs. 1499 + GST
Annual Fee - Rs. 1499 + GST (Waived off on 2L Spend)

Welcome Benefit - Get 6000 bonus reward points equivalent to INR 1500

Fuel Rewards - Enjoy 7.25% Value back
~ 25X Reward Points on fuel purchases at BPCL petrol pumps (Maximum 2500 Reward Points per billing cycle) - 6.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000

Link to apply - bitli.in/8uk0j5X

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