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KunjanPSD

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Everything posted by KunjanPSD

  1. KunjanPSD
    Budget 2023: All foreign remittances, including buying US stocks and spends on cards like Niyo will attract straight 20% TDS, no threshold spend. Earlier this was 5% post 7L.
  2. KunjanPSD
    https://m.rbi.org.in//Scripts/BS_PressReleaseDisplay.aspx?prid=55141
  3. KunjanPSD
    Niyo SBM to resume txns.
  4. KunjanPSD
    Iss rate pe toh healthcare industry ka promoter me hi bann jaunga
  5. KunjanPSD
    It is false traction. Majority of the FII investments in the Adani Group are via institutions which are owned/governed by Adani Group itself (dubious methods to conceal this). And according to the laws, it should be counted as Promoted holding and not FII holding. Although I am sure, our govt. won't let this group fail.
  6. KunjanPSD
    43 million shares on offer for FPO. 530k applied till now.
  7. KunjanPSD
    Management is trying its best to make retail investors buy. Adani Group CFO came on news and used a very restricted definition of pledging, communicating that none of the Ambuja Cement shares are pledged. In reality, with the correct definition, 100% of those shares are pledged. Everyone knows the truth but trying to turn a blind eye ? Those FII holdings are bogus.
  8. KunjanPSD
    Talks about nationalism. Adani is gaming Indian population.
  9. KunjanPSD
    I feel there is an Uno reverse card coming tomorrow.
  10. KunjanPSD
    I am pretty sure every pharmaceutical company in this space must be doing GoF. It's very common in animal health care space. No one wants to be left behind in case of a potential outbreak, which might happen due to a potential mutation. I mean, it's not a surprise that these guys where able to whip up mRNA so quickly, they must have been working on similar structures (artificially modified structures).
  11. KunjanPSD
    I have one doubt, why would a person of his position, reveal such confidential information to a stranger? Or even to a client? I understand if it were family or a friend but in that case, the person wouldn't have been an undercover journalist. Things look fishy to me, someone really wants to or is short of Pfizer stock.
  12. KunjanPSD
    LIC. They have doubled their exposure.
  13. KunjanPSD
  14. KunjanPSD
    You should absolutely never use forex card as that will use the forex rate set by the bank and not the visa/MasterCard interchange rate, which will be around 4-5% higher. Infact, you should just use Infinia. Infinia has 3.3% reward rate with 2% markup. With GST, it comes to 2.36%. That means on every swipe, you will actually gain 0.94%. And further, you should call customer care and enable Global Value program on Infinia. Costs 450 bucks or so a year and provides 1% cashback for upto 1L forex spend every month. That means over the current 3.3% reward rate, you get 1% more. That means a net 1.94% gain for forex txns upto 1L in a month. Forex cards me aag lga do.
  15. KunjanPSD
    The sale has just ended. Extra was going for 3k.
  16. KunjanPSD
    I would suggest to ditch Niyo and get Fi. Exactly the same thing but with Federal bank.
  17. KunjanPSD
    1. Domestic txns won't be stopped. 2. Secured Credit Card has lower limit as one has to make an equivalent FD. 3. Features aren't the same. They are offering 6% on FDs. Every major bank is offering 7-8% on FDs, so one is basically nullifying the forex charge and markup with the reduced interest rate. Must have some pre-mature withdrawal charges as well. 4. I am not sure if they are offering 6% even on short term FDs (<30D), if yes then it can work out as you can basically create an FD only for the duration of your trip. Highly unlikely though. 5. I can't trust these Neobanks and brokers with my money for FDs. 6. CC usage doesn't come under LRS i.e. Liberalised Remittance Scheme, which is what powered Niyo Global, Vested etc. So this secured CC will work. 7. Niyo mentions no CIBIL check as it is secured but this will go on to your CIBIL as a credit account.
  18. KunjanPSD
    Doesn't look like it. Would be too good to be true.
  19. KunjanPSD
    Probably 30. It's not really that huge.
  20. KunjanPSD
    There is no point in explaining any of this. Don't fall for the bait . Few people do this through out the forum continuously. Ignore the nonsense.
  21. KunjanPSD
    Have they replaced spores with those tendrils in the show, permanently? I didn't see any kind of hesitancy from Joel/Tess to breathe in any spores. Maybe to not have the actors wear masks for longer periods.
  22. KunjanPSD
    To me it just shows that Pro membership has expired. But this looks like an exact copy of Swiggy Dineout, although it doesn't say if grocery orders have free delivery or not.
  23. KunjanPSD
    That was the whole point of such cards. If you can't do forex online/merchant/cash txns then why will you use Niyo? Unless you have Niyo issued DCB/Equitas cards.
  24. KunjanPSD
    If anyone holds Niyo SBM card and was planning on using it, then unfortunately RBI has imposed a stop on SBM bank. All transactions will be stopped. Except Niyo, providers like IND, vested etc are also hit.
  25. KunjanPSD
    Thanks for the detailed response. Really appreciate your help. I think the main culprit is lack of enough bioavailable protein. I am not taking 1.5x right now, will look to add more sources of protein in my diet. I am reading into L-leucine, quite a few papers available showing the efficacy in muscle recovery so I might add a serving of this. Have been lazy with fish oil, need to start taking it again. As for creatine and ZMA, going to see how things work out from the above changes and then decide if I need these.
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