You’ve stayed in 3-star, 4-star, and 5-star hotels.

But have you ever wondered, who decides those stars? 🌟 It’s not random.

There’s a hidden checklist, government inspectors, and some shocking details you’ve never heard of.

Let’s go behind the stars 👇

💰 You invest in Gold ETFs thinking you own gold.

But have you ever wondered...

Where is your gold actually stored?

Or is there even any gold at all?

The answer might surprise you.

Let’s break it down 👇 🎯 What is a Gold or Silver ETF?

It’s a mutual fund you can trade like a stock but instead of shares, it gives you exposure to gold/silver prices.

You don’t touch physical metal.

You buy it online.

No lockers. No jewellers. No making charges.

Simple, right?

🧵 How Professionals & Freelancers Can Save ₹3–5 Lakhs in Taxes Using Section 44ADA (Legally)

If you're a freelancer, consultant, doctor, CA, or run a small professional service...

This thread can literally save you lakhs in income tax every year. Let’s go 👇 1️⃣

What is Section 44ADA?

It’s a hidden gem in the Income Tax Act.

It allows professionals to pay tax on only 50% of their income, and ignore the rest - no questions asked.

Yes, you read that right - legally ignore 50% of your income.

🧵 Buying a Property in India?

One wrong step can cost you lakhs and years of legal battles.

I’m breaking down 13 things you MUST know before buying any flat or plot, most people have no clue.

RT + Bookmark 🔖

(This thread can literally save your life savings)

https://twitter.com/suritalreja/status/1958938673355137296

1. Ask for the Full Chain of Registries 🧾

Every property has a paper trail.
Get copies of all previous sale deeds (Registries), from the first owner to the current one.
Missing links = possible fraud or future legal trouble.

Here’s how I earned 2,00,000 reward points in just 1 year worth a whopping ₹2,00,000 using my HDFC BizBlack & Infinia cards

No overspending. Just smart planning.

Here’s a thread for anyone who wants to truly master credit cards 🧵👇 Let's start with BizBlack 💼

This is a hidden weapon for freelancers, consultants & business owners.

Why? Because it gives 5X points on tax & utility payments, including GST and advance tax and each point is worth ₹1!

“I’m 30. How much should I save to retire peacefully at 60?”

Someone asked me this recently.

Here’s a simple, no-jargon breakdown of exactly how much you should save monthly to retire rich, even after accounting for inflation.

Spoiler: It’s just ₹16,000/month.

Let me show you how 👇 Let’s say you’re 30.

You make ₹1 lakh a month.

You spend ₹50,000.

The rest goes into savings, EMI, travel, etc.

Retirement? That’s 30 years away. Easy to ignore.

But those who plan now, live free later. Let’s plan smart.

ULIPs Look Smart -Until You Run the Numbers!!

They promise life cover + investment in one plan.

But what if I told you,

You’re better off keeping them separate with Term Insurance + Mutual Funds?

Let’s break it down — with real numbers, real logic, and a 30-year plan 👇

🧵 What’s a ULIP?

ULIP = Unit Linked Insurance Plan.

It combines:

🔹 Life Insurance
🔹 Market-linked Investment (equity or debt)

You pay one premium. A part goes toward life cover and the rest is invested.

Looks good in theory. But...

Ever wondered how airport lounges actually work?

Free food, comfy chairs, sometimes even spa & showers and you get in without paying a rupee.

So how do these lounges survive?

Who’s footing the bill?

And how do banks come into play?

Let me break down the entire lounge business model 👇

🧵 Let’s start with the basics:

What is an airport lounge?

It’s a private space inside the airport where travelers can relax, eat, work, or sleep before their flight.

Most lounges offer:

– Buffet food & beverages
– Wi-Fi & charging points
– Newspapers, recliners
– Some even have showers, spa, sleeping pods!

But how is all this funded?

Planning a 8-day Malaysia itinerary from India?

Here's your complete guide!✈️

Flights: Non-stop return flights from major cities of India to Kuala Lumpur, Malaysia are around ₹25,000🧵 If you're from Tier 2 or 3 towns and want to save money you can take a train to the nearest major airport.

For Example: AirAsia flies daily from Ahmedabad/Jaipur to Kuala Lumpur (₹8k-₹12k) in evening.

Everything you want to know about HDFC Bizblack credit card

🧵 HDFC Bizblack card comes with 5X benefits on GST payments and income tax payments, it is one of the best business credit cards in India right now 💳