Hi, looking to get some recommendations for app/spreadsheet templates to do finances every month. Manual entries are ok, not interested in linking bank accounts.

One of the most lucrative form of investment available out in the market is Peer to Peer lending that gives out upto 12% returns on your investments. Wrote a couple of tweets about P2P lending here : https://twitter.com/assaultkoder95/status/1597556468777357316?s=20&t=5NJTqdXs_yN5cyacteMJTA

Any suggestion on current account to get remittances in USD and convert to INR with good exchange rate?

Well half way through my series, I have the 8th instrument ie combination of NSC, PPF and Term deposits, explained here : https://twitter.com/assaultkoder95/status/1598272146840903680?s=20&t=oIK4HpxQByzZeOOYzUPvag

I asked earlier and didn’t get a response. Trying once again. Any HSBC Premiere customers here? Just want to get a sense of your experiences.

Quick question, if i had stop SIP a year ago in mutual fund and i have not redeemed yet. Will AMC still continue to charge the expense ratio when i have stopped SIP?

Hi guys, I need help with Payoneer. I have been attaching my sole-propreitership company's bank account with the payoneer id but it didn't work because of different names. This is stuck on information required in verification center I can't seem to find any possible solution to connect with their customer support. Now I've created another payoneer account but it is rejected, with the reason of this bank a/c attached to other. How do I reach out to their customer support? I've been using wise.com with my previous clients. With the current client I saw that it charges 27-30US$ extra, so please do suggest/recommend any other viable platform(s).

Hi Guys, I wanted to share this amazing credit card which is not spoken much on the internet. I believe it is one of the best lifetime free card with premium features for someone who spends around 10-15k or even more in a month. It is AU LIT credit card. Lifetime Free No annual charges No criteria for minimum spend But the best feature (if and only you want to activate and its not compulsory) is its customizable ad-on features which you can activate by paying them. Like I have activated 10X rewards points for online and offline spends, and it doesn't matter what type of transaction category it falls spends you are going to do. (10 rewards points for every 100/- Spends) Charges are 299 + 18% GST for single feature (Offline or Online) but if you need both than it will be 598 + 18% GST for 90days. There are various other features which you can check out as well- https://www.aubank.in/personal-banking/credit-cards/lit-credit-card Initially I thought that they may not be so helpful just like so called other credit cards but to my surprise it really makes a difference. Last month if you can see my screenshot attached, I earned 13160 RP (1 RP = Rs. 0.25p) but for this my bill was ofcourse Rs. 131600. Since each feature validity is 90 days, you can recover them easily if the spend is 10k per month. I have been using HDFC regalia first for a long time but I didn't really think they really reward you in a better way than this AU card. I have shifted completely to this and I really think many people want to consider this. Thanks, Rajesh Kumawat

Hey peeps, the 9th financial instrument that I wish to discuss about is Invoice Discounting - https://twitter.com/assaultkoder95/status/1599277260967903233?s=20&t=Fue8UB3WHrUaGjAbQofhHA I have covered all the basic info, platforms I used, average returns one can make in these tweets 🙂

Hi people, need some advice for receiving payments from US clients. What is the best setup for a minimal fee? • I currently have a US client who uses bill.com and pays in USD. I receive the payment directly in my HDFC bank account where the currency conversion fee is 1%-2%. (I've tried to fix this by talking to the RM but to no avail) • I now have another client who will pay via Deel I have seen some previous posts on this community about Wise, but I also read that Indians cannot use Wise on the internet. I also saw Payoneer being recommended. I hadn't spent time researching these things for my previous client, but I think I need to do so now. Any recommendations or suggestions?

Hi guys, I was applying for the AXIS ACE CC on their website and after giving all my details, it has shown me a list of cards to chose from and it has almost all the cards in AXIS repo but not AXIS ACE. Did anyone else face the same issue?

Hi, I’m planning to get a credit card but got turned down by amazon, flipkart, sbi cashback card because of no prior credit history. will this be any good to build credit history and get better cards in future — https://www.idfcfirstbank.com/credit-card/secured-card-offer

Hey folks, Does anyone use payment processors to accept payment from clients every month as a subscription? We use Stripe and it works seamlessly but cuts about 6% off from the payment. We want something where the client just puts their card information once and it deducts the payment automatically every month.

The 10th financial instrument that I wish to share with you all in investing in assets like e-bikes, RO, cabs etc through which you can earn returns upto 10%. I have tried covering my own experiences in these series of tweets as well 🙂 https://twitter.com/assaultkoder95/status/1600085597955117058?s=20&t=F4tkZOfNAKIIyuK5imWRog

Hi folks! I am shifting my banking services from Axis Bank to either HDFC/ICICI. Both are giving me 10 paisa margin on my inward remittances. Which one should I go for? Axis Bank app and netbanking services have been top notch and I haven't faced any issues at all. The place where I live, HDFC has the biggest branch in terms of everything to offer while ICICI have just set up their branch here and the staff looks limited.

Hey, looking for the best/cheapest way(s) to transfer money periodically (INR or AUD) to my brother overseas in Australia (AUD) What are my options?

[Need Advice] I have a client in India with whom I’ve been working for a long time. Earlier this year, when I moved to Dubai, I sent invoices as an individual so their accounting team asked me to share residency proof to not deduct taxes - sounds fair. Now, I’ve setup a US LLC and I do all my billing via that entity. When I sent them invoice from this entity their team is asking me US residency proof - this makes absolutely no sense because now I (as an individual) is not involved technically they are paying a US vendor and should have no business asking residency status of that entity. I have tried to reason with their team which went nowhere. Here is a kicker — they are absolutely okay paying via Stripe with their credit card (I loose a substantial amount in fees) How do I convince them to wire the money to my US bank?

Just came across another platform to collect international payments. Very similar to Mulaya.co but they charge a flat fee. This platform is very beneficial for High ticket sizes. https://www.skydo.com/

Folks, sad news. ICICI has hiked the FX rate from 10p to 20p across customers. Now they have to get a special approval from the Region head to get 10p, and they aren't giving it as easily as before. Very out of character for them, HDFC actually agreed to give 10p on FXRetail even without any negotiation. That was very weird. My transfers for this month is done at 20p, and I'll be moving to HDFC if the region head doesn't give approval.

Hi folks! For the past 2-3 months, I seem to be getting $25 less on every $1000 sent to me by my clients. I’ve been using ICICI and received the entire amount before. I just wanted to know if something changed recently or did I get lucky in the first few months? The client hasn’t made any changes in their transferring methods.

Trying to understand the compliances when running Sole Prop (software consulting services to international clients).. Did I miss any? • advanced tax: every quarter ◦ advance tax: 15% , 25 % , 75% - 100% each quarter (15th of each quarter) ◦ late fee: 1% • GST: monthly/quarterly and yearly filing • ITR - yearly filing • Tax Audit if turnover >50L - yearly • LUT (letter of undertaking): yearly renewal • IEC (import-export code): yearly renewal

Has anyone here applied for US ITIN ? I’m a sole prop with client in US ( software development)

My main reason for wanting an ITIN is to apply for a good US credit card with zero fx fees and good reward points. I will be travelling internationally a lot, and none of the indian cc has zero forex and good rewards.. the only zero fx I saw was Niyo debit card, but it has no rewards

The 11th financial instrument that I wish to share with you all in investing in ELSS Mutual Funds through which you can save taxes upto 45K ( 30% of 1.5L under 80C ) as well as grow your portfolio by 10% when invested for a long horizon. https://twitter.com/assaultkoder95/status/1601442863979847680?s=20&t=aL1fobW-z8SM99QOGt0oxw PS: I have shared one disadvantage as well as bonus tip for investing in ELSS Mutual Funds as well 🙂

what's the cheapest way to recieve money into my personal bank account from a friend abroad (International bank account)? This is not revenue so I don't want to include my business account.

Has anyone used this for inward remittances? https://www.eximpe.com/

Hello everyone, can we check ibr rates of banks online? I can only find forex rates of banks online.

Hi everyone. I see that quite a few folks here are facing issues with receiving overseas payments. I'm happy to help out with these issues. I'm also building a product to solve this for companies. So if you are a company in India earning overseas revenue, you will find that this product completely solves all your payments-related woes: https://skydo.com (I'm the founder of Skydo) Please ping me for a beta invite (We support only Pvt Ltd and LLP for now. If you are a freelancer, proprietor or partnership, I'm still happy to help you negotiate better rates with banks, sort out your compliance issues etc etc)

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