GR FINVISORS

3.9K posts

GR FINVISORS

GR FINVISORS

@grfinvisors

Talks about Personal Finance, Credit Cards, Financial Planning and Investments !! #personalfinance #creditcards #financehacks #financialplanning #investments

Katılım Temmuz 2021
255 Takip Edilen2.2K Takipçiler
Akash
Akash@ccg33k·
@EvryPaisaMatter Top 4 missing from the list 😭 Olympus: 16% Accor Magnus Burgundy: 28% Accor Powermiles: 9% miles Travel one with 0 forex offer (temporary) - 8% Accor PS: forex fee + gst to be adjusted
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GR FINVISORS@grfinvisors·
@smartspendcode Superb :-) But why did you buy do Flying Blue? I'm doing Hanoi to Delhi for 22.5K Miles+ 7.5K taxes per seat and got 4 seats together on Vietnam Airlines 😀
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Sagar Paleja 🇮🇳
Sagar Paleja 🇮🇳@smartspendcode·
First international business class flight ✈️😍 Not the route I had planned for redemption, but Vietnam trip came together in 4 days so had to move fast (express visa in 2 days 😄). No economy redemptions available, so booked BOM to HAN on Vietnam Airlines via Virgin for 35k miles + ₹7.5k taxes each. Economy revenue itself was ₹35k, while business was ₹50 to 60k+, so this made complete sense. Plus got 2 business seats together. The best part? Direct flight under 4 hours to Hanoi. Super convenient. Experience 👇 • Fully flat bed seats, very comfortable • Service was top notch • Food was great • And the highlight, Vietnamese iced coffee onboard ☕ Perfect way to start the trip, the coffee was genuinely excellent. Sometimes last minute plans lead to the best redemptions 😄
Sagar Paleja 🇮🇳 tweet mediaSagar Paleja 🇮🇳 tweet media
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Anirban chowdhury
Anirban chowdhury@VoyageBliss·
Been quietly using a personal bot for a while to figure out mileage requirements across FFPs for different routes. Started as something just for my own travel planning, but it has now evolved to scan multiple award charts, routing rules and even unpublished patterns to give a fairly accurate idea of how many miles you should need. At the moment it is focused only on mileage requirements, not availability. Think of it as a fast way to sanity check which program makes sense before you even start searching. You can try it on WhatsApp at +1 (323) 554-4341. Just send a simple hi and it will guide you. Since the data set is quite large, there can be errors. If you spot something off, you can report it directly by going into the FFP details or just typing [Report] - your message The system is designed to self review these reports, validate against official sources and trusted blogs, and update itself without manual intervention. Also plugged in ongoing promos like SQ Spontaneous Escapes, so wherever applicable it should reflect discounted mileage automatically. Keeping it free for now with no caps, but may introduce a daily limit if usage starts hitting the free tier limits. I do have some interesting plans lined up for this going forward. PS: No personal data is stored. Phone numbers are hashed and cannot be reverse engineered.
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Akash
Akash@ccg33k·
HSBC TravelOne is now available for self employed folks !! 😍 Anyone got lucky with their application?
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Akash
Akash@ccg33k·
Some super cool stuff being built by @VoyageBliss 🤯
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Harshit Bohra | Cards Wizard
Harshit Bohra | Cards Wizard@cards_wizard·
😮‍💨 Dunno who needs to hear this but… 💳 Amex ShopWise is currently allowing (effectively) unlimited Flipkart vouchers. If you’re holding Plat Travel - here’s your cue. 📌 Easy way to push from ₹4L → ₹7L milestone. On ~₹3L voucher purchase: ✨ 18,000 accelerated points ➕ 22,500 milestone bonus points And before anyone asks… 🛒 Flipkart vouchers do work for gold/silver purchases. Just don’t overdo it - only if it fits your spend plan.
Harshit Bohra | Cards Wizard tweet media
Harshit Bohra | Cards Wizard@cards_wizard

😮‍💨 Dunno who needs to hear this but… 📊 For credit cards, CIBIL score after a point is mostly a vanity metric. Once you’re ~760+, very few banks will reject a card application purely because of the score. ❌ You don’t need those flashy 800+ numbers to get approved. Yes — a higher CIBIL can help with loan pricing (home/auto/personal loans), but even there, rates are often negotiable to an extent. 📌 What actually matters for cards: • Pay on time. Always. • Keep utilisation around 25–30%. And while we’re at it… 🔍 Credit enquiries are overrated. ✅ They may cause a small, temporary dip, but don’t lead to long-term damage on a healthy profile. ✅ I’ve had ~77 enquiries in the last 3 years — score was ~777 earlier and is ~786 now. All fine. 🕰️ One underrated factor: credit history / vintage. 💡 Try to keep your oldest tradeline active — longevity helps far more than obsessing over a few points. 📌 Don’t optimise for a number. Optimise for habits.

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Yash Sartanpara
Yash Sartanpara@SartanparaYash·
Any reviews or experience about Wicked gud noodles?
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Gajender Yadav
Gajender Yadav@imYadav31·
Swiggy vouchers giving serious competition to Amazon Pay vouchers 👀 Not available on: HDFC Gyftr Amex Shopwise Magnify Maximise SaveSage OnPoint Crazy demand. Never thought we’d see the day when Swiggy vouchers start disappearing from reward platforms 😅💳
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GR FINVISORS@grfinvisors·
It goes not work in India. Crypto or digital assets is not allowed to set off losses, so it'll be better to stay invested. Else you'd have taken a loss of $32K (without set off) and then when it goes back up to 100K, you'd again pay 30% tax on this $32K, without actually making money
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Parth Rastogi
Parth Rastogi@theparthrastogi·
TAX HACK: If you purchased a Bitcoin at $100,000 and it dropped to $68,000 you can sell it and buy it back 5 seconds later you still have one whole Bitcoin But now you have a realised loss of $32,000 for tax purposes. Most investors never... Show more
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GR FINVISORS@grfinvisors·
🎊Something happened this week that I'm still processing with a full heart.🙂 I've been #featured on the cover page of India's Hall of Fame Magazine, published by Business Talkz. Honestly, moments like these are not something I take lightly. I know how many people work quietly, with sincerity, giving their best every single day most of them never ask for recognition. So when something like this happens, my first thought is gratitude. #Gratitude to everyone who's been part of this journey colleagues, mentors, clients, and the people who believed in me even when I wasn't sure myself.* This one's for all of you. 🙏 You can read the interview and the edition here 👇 businesstalkz.com/2026/03/indias… #investing #personalfinance @ccg33k @imYadav31 @ankurmittal @RakshitSomani @thatshreyguy @cards_wizard @man1sh_golcha @AmazingCreditC @VoyageBliss @smartspendcode @jainrahul1987
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Akash
Akash@ccg33k·
For those who're saying that rich people don't need/use credit card, here is MIKA requesting upgrade to Centurion Card. PS: Amex issued Centurion to @MikaSingh - and then due to very high spends (Came under financial review), cancelled it too !! Mika was really sad and posted it on instagram story later. (Refer screenshot) Don't forget to check out funny conversation that took place during Mika's performance at HSBC Premier 3.0 launch. 😂
Akash tweet media
King Mika Singh@MikaSingh

Hello my dear @AmericanExpress I’m using your credit card from last 10 years . Your service is mind blowing. I have a small issue that I’m looking for a platinum black card so don’t know how to apply for it..please Dm Thanxx ..

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