Nah im driving bumper to bumper in city traffic. Mileage on petrol honda city giving just 7 to 8km per litre. Very poor. Having to spend 6 to 7k petrol monthly also
😂the excel part, its true, i have made 100s of sheets of almost everything in finance, its lovely to do reaserch and make complex formulas, would love to share
wow this composite scheme funda is entirety new for me.. altho i donno how ill approach the resturant manager ki composite me gst kyu daala.. feels funny to say.. but next time I'll def give this a shot
Generally resturants don't register in Composition scheme because GST rate is 6% in case of service industry. In case of regular scheme, GST is 5% that too chargeable from customer. Hence, in a extremely rare scenario, resteraunts are registered under composition
Get service charges removed from your restaurant bill. They are calculated as a %age of your total bill amount. If you order 5 dishes of rs. 100 each, service charge will be less than if you order 2 dishes of rs. 500 each, although the service was more in case of 5 dishes. Tip in cash instead
So whats more beneficial in home loan..?? Increasing EMI or pre-payments now and then..?? I guess its prepayments as it will reduce my principal, and my interest in the subsequent years. If I increase my EMI (given that my interest proportion is way larger) I am paying more interest and less principal per month, and again if interest increases, my interest again goes up as my principal didnt reduced much Correct me if I am wrong
Same thing happened in my case also. Some team called me and told me that i have been selected for a free YES bank credit card based on my CIBIL score. I asked him whether there wont be any charges and they told its completely free. But first month bill itself showed monthly charges. I called YES bank credit card service and they told that there is no offer like that and i have to bear the monthly charges. I raised a complaint and cancelled that card.
I have so many such hacks : 1. Term insurance coverage years must be equal to premium years 2. Avail cabs of required capacity only or go for Autos 3. Sharing cabs for outstation 4. Swiggy Zomato instead of parcel from Restaurant 5. Discount on medicines 10% min
in case of inoperative accounts i have a doubt. As far as i know all bank savings accounts will provide an atm card with their account. It usually have an annual fee. So even if the user didn't use the account there will be a debit charge every year. How does this work as per the circular? Does it still be considered an inactive account?
ATM charges are not count as transaction while making account inoperative. Same thing is applicable for interest banks pay on savings account. So, even if you are charged ATM care fee or receive interest on whatever amount you have in account, you account will still become inoperative after 2 years (not sure about this duration).
I think that the tip on RBI loan is really great, my dad took a home loan few years ago, suddenly interest rates are changed by th RBI, bank has called and asked my father to take more loan just because interest rates are lower. That shows how bank is provoking middle-class people to take huge loans 😢
Thank god you talked about this The RBL rep told the Bajaj RBL supercard has no joining or annual fee, i took the card and it's just bad, no offers or perks. I just left it in dust as it's a free card. But i was absolutely shocked to be billed the maintenance fee i went ahead and canceled the card and broke it to a thousand pieces out of spite But i was in this dilema, as far as i remember the card is lifetime free, but now this, have i remembering it wrong. Now this video gave me clarity BTW guys only go for branded partner cards Don't ever even thing of getting RBL, yes, pnb, any other stuff
Awesome Video on inforamation. Can you please do it who are good at health insurance claims and other factors we need to consider that are best in specific states.
The intro is really true it has happened with me with the biggest pvt sector bank of India. The sales promised no joining fees and ltf. After 6 months when I saw my 6 months statement they had charged 1000₹ as joining fees. I called cc twice but they denied it. Now only route is through RBI the only problem is I don’t have it in email and only I have is in whats app message.
Just now I was scammed, scam service center started fake IFB services since IFB left their call center number which is available on all IFB products. Almost everyone is scamming one or the other way with their own capabilities.
Nice, I did not know about that Home loan interest increase with tenure. What would I tell my bank I mean what is terminology used for that -(keep the tenure same but increase the EMI)
I have taken 1 lacs worth no cost EMI on my Credit card, and it is showing loan amount 84K, I have paid 2 EMIs and then requested pre closure of the loan. Including pre closure charges it costed me 88k. I saved around 10-12K
Hello sir, im facing a problem with my saving account of xyz bank account from xyz city and now im living another city and they are charging for inoperative/dormant for every month and unfortunately my scholarship amount credited in this account and they told me to visit homebranch, which is not possible right now, so what should i do?
Hi Zero1 team, 782 CIBIL score guy here, i could reply to your comment in that video actually some, youtube issue maybe, so i save money mostly by using my credit cards actually, like sbi cashback for online spends and airtel axis / hdfc tata neu for bill payments, offline spending i usually avoid
My advice will be to Invest in Growth Index Funds instead of going for fancy Mutual Funds or Stock Picks, save that time and invest that time to learn something new and valuable in your career. If you can manage to grow your salary at 12% CAGR you will be get financial freedom sooner. Your Investment will keep growing, don't fret there much!
Why is it better to pay the extra EMI and keep the tenure the same? in the example used, wouldnt a SIP of 1645 for 25 years give you over 20L (assuming a modest 10% return. over 30L @12% , ~45L at 14% which the Nifty has done in the last 25yrs) .. you wouldnt mind paying an extra 14L in interest in that case... Is it not better to keep the payments to the lowest level possible and let the tenure run longer, especially when the home loan rates are 7-8% .. if they cross over to over 10%, then sure, pay it off sooner. What am I missing?
Good idea, but I have a doubt, repo rate keeps changing, so there will be times when you are paying more than the initial amount, and sometimes you will pay less, so how could you maintain the SIP ?
Sir IDFC Has Given Loan on My Pan When i asked them they said i spent money on Flipkart and never remember spent 14k Then i saw my Date and time and i didnt Basically they gave loan to random guy who used my Pan Now where shall i complain
Why are you using a low-rating car that has problems? 2nd one you are taking care of wealth but not health. if you don't have Excel you are lost right :)
I did this actually, my friend made one Amazon affiliate account, but the catch is, you cannot order from the same IP Address with which you have created an affiliate account, so I will order, for both me and him, and he is going to receive the commission 😂
We get that the composite funda might seem tricky since not all restaurant operators might be familiar with it. But don’t worry-just follow the steps in the video, and you’ll be all set! 😊
Zero1 guys... You're doing it completely wrong. The most targeted victims are from Tier 2- Tier3 cities or towns and villages or old people. HINDI ME VIDEO BANAO.. TRUST ME It will help everyone.
!!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Bruce Murdock, for his expertise and exposure to different areas of the market.
Without a doubt! Bruce Murdock is a trader who goes above and beyond. he has an exceptional skill for analyzing market movements and spotting profitable opportunities. His strategies are meticulously crafted based on thorough research and years of practical experience.
A guy using iPhone 15 pro, Apple Watch ultra on wrist, wearing a Mercedes Benz branded tshirt and riding a 27 lakh rs car giving money saving tips. Lol, the video is so cheesy.
One advice from myself to save the money. Stop driving a car that gives you an average of 5-6 km/L.
The manual gear model gives 10kmpl. Pretty happy with it actually.
Nah im driving bumper to bumper in city traffic. Mileage on petrol honda city giving just 7 to 8km per litre. Very poor. Having to spend 6 to 7k petrol monthly also
@@PrateekSingh that's fine, I bought my MG Hector, automatic for impressing my neighbours. Which I have no complaints everytime I take it out ❤
Keeping the sunroof closed when car is parked, will help a lot in cooling down cabin faster.
neighbours probably making fun of you because they know you just bought to show off 😂😂 @@BSQafe
😂the excel part, its true, i have made 100s of sheets of almost everything in finance, its lovely to do reaserch and make complex formulas, would love to share
If possible share it bro , never know when it might be helpful
👨🎓
@@kushalyadav4787😮
Share it bro
share it Bro that would be a huge help
@@kushalyadav4787 Wth, google removing my no. Hindi me likhta hu, 😂😂😂 chhiatar 69 chhiyasi 12 assi😂😂😂
Kindly do the same way video about health insurance linked insurance schemes, where they trap into some insurance which is useless 😢
Hey, we made a deinfluencing episode on unit liked insurance plans, you can check it out here: czcams.com/video/-DQLpA7Fy2g/video.html
I just love the duo!! I don't know why but I just feel it naturally!
❤
wow this composite scheme funda is entirety new for me.. altho i donno how ill approach the resturant manager ki composite me gst kyu daala.. feels funny to say.. but next time I'll def give this a shot
Just see the bill, they will mention the GST number... Holaaaa
Generally resturants don't register in Composition scheme because GST rate is 6% in case of service industry. In case of regular scheme, GST is 5% that too chargeable from customer. Hence, in a extremely rare scenario, resteraunts are registered under composition
Very good. The most underrated shows made by Prateek & it's amazing team.
Got to learn many new things from you guys.. Thanks a lot !!
Get service charges removed from your restaurant bill. They are calculated as a %age of your total bill amount. If you order 5 dishes of rs. 100 each, service charge will be less than if you order 2 dishes of rs. 500 each, although the service was more in case of 5 dishes. Tip in cash instead
So whats more beneficial in home loan..?? Increasing EMI or pre-payments now and then..?? I guess its prepayments as it will reduce my principal, and my interest in the subsequent years.
If I increase my EMI (given that my interest proportion is way larger) I am paying more interest and less principal per month, and again if interest increases, my interest again goes up as my principal didnt reduced much
Correct me if I am wrong
Same thing happened in my case also. Some team called me and told me that i have been selected for a free YES bank credit card based on my CIBIL score. I asked him whether there wont be any charges and they told its completely free. But first month bill itself showed monthly charges. I called YES bank credit card service and they told that there is no offer like that and i have to bear the monthly charges. I raised a complaint and cancelled that card.
I have so many such hacks :
1. Term insurance coverage years must be equal to premium years
2. Avail cabs of required capacity only or go for Autos
3. Sharing cabs for outstation
4. Swiggy Zomato instead of parcel from Restaurant
5. Discount on medicines 10% min
in case of inoperative accounts i have a doubt. As far as i know all bank savings accounts will provide an atm card with their account. It usually have an annual fee. So even if the user didn't use the account there will be a debit charge every year. How does this work as per the circular? Does it still be considered an inactive account?
ATM charges are not count as transaction while making account inoperative. Same thing is applicable for interest banks pay on savings account.
So, even if you are charged ATM care fee or receive interest on whatever amount you have in account, you account will still become inoperative after 2 years (not sure about this duration).
the best way I saved some money is by breaking up with my girlfriend
No Zepto was harmed in the making of this video.
Emi increment vs loan tenure is such a powerful hack ... I had explained this to my dad.. we were saving around 5lpa !
I think that the tip on RBI loan is really great, my dad took a home loan few years ago, suddenly interest rates are changed by th RBI, bank has called and asked my father to take more loan just because interest rates are lower. That shows how bank is provoking middle-class people to take huge loans 😢
That 'Apply' button thing is from Zepto.😂
Thank god you talked about this
The RBL rep told the Bajaj RBL supercard has no joining or annual fee, i took the card and it's just bad, no offers or perks. I just left it in dust as it's a free card.
But i was absolutely shocked to be billed the maintenance fee i went ahead and canceled the card and broke it to a thousand pieces out of spite
But i was in this dilema, as far as i remember the card is lifetime free, but now this, have i remembering it wrong.
Now this video gave me clarity
BTW guys only go for branded partner cards
Don't ever even thing of getting RBL, yes, pnb, any other stuff
These are really useful tips, which are not very common.
Your video making style is really really cool!!!
Awesome Video on inforamation. Can you please do it who are good at health insurance claims and other factors we need to consider that are best in specific states.
This video was so informative thank you for sharing.👍🏻
Sir, please make some videos on how to chose health insurance, how to compare various insurance policies etc.. Those are very very confusing
The intro is really true it has happened with me with the biggest pvt sector bank of India. The sales promised no joining fees and ltf. After 6 months when I saw my 6 months statement they had charged 1000₹ as joining fees. I called cc twice but they denied it. Now only route is through RBI the only problem is I don’t have it in email and only I have is in whats app message.
Thanks for sharing your story, we’ll all learn from it :)
U should make a complaint to banking ombudsman .
Just now I was scammed, scam service center started fake IFB services since IFB left their call center number which is available on all IFB products. Almost everyone is scamming one or the other way with their own capabilities.
For home loan, prepayment of principal amount will be more beneficial.
it’s an infotainment video 🎉🎉🎉 tq sir. want to work under you .
Liked before watching.
Appreciate your efforts
Thank you ❤
Why is global investing not coming to zerodha and not only us but others also?
Move from postpaid to prepaid if your daily mobile data usage is low
Irony of life : same guy who told to think twice to buy SUV is seen driving SUV
Mazak -2 me aap bahut achha sikhate ho sor 😊
Nice, I did not know about that Home loan interest increase with tenure. What would I tell my bank I mean what is terminology used for that -(keep the tenure same but increase the EMI)
Great!!! I loved it!
Thanks a tonne 🙌
If we are not using a credit card for long but the company has put charges and interest on that so should i pay it or should i not pay that?
I have taken 1 lacs worth no cost EMI on my Credit card, and it is showing loan amount 84K, I have paid 2 EMIs and then requested pre closure of the loan. Including pre closure charges it costed me 88k. I saved around 10-12K
So that 88K also includes the 2 EMIs you paid?
If intrest given from bank means it is credit right .then how can we say it is inoperative
Easy way to save money.....यावज्जीवेत सुखं जीवेद ऋणं कृत्वा घृतं पिवेत, भस्मीभूतस्य देहस्य पुनरागमनं कुतः॥
Thank you
Can you make a video on leasing the car option
Try with different people and give them a chanceto share the screen space. Don't play nepotism atleast here
this was really comprehensive! amazing top stuff guys! love it! thanks for doing this!🙈🚀
Yaar .... I just love it all 😂❤
Hello sir, im facing a problem with my saving account of xyz bank account from xyz city and now im living another city and they are charging for inoperative/dormant for every month and unfortunately my scholarship amount credited in this account and they told me to visit homebranch, which is not possible right now, so what should i do?
i saved money by not ordering on zomato and asking the restaurant to deliver and giving tip to delivery person.
GST composite scheme has one compulsory option - opted in/out what to be selected ??
Hi Zero1 team, 782 CIBIL score guy here, i could reply to your comment in that video actually some, youtube issue maybe, so i save money mostly by using my credit cards actually, like sbi cashback for online spends and airtel axis / hdfc tata neu for bill payments, offline spending i usually avoid
My advice will be to Invest in Growth Index Funds instead of going for fancy Mutual Funds or Stock Picks, save that time and invest that time to learn something new and valuable in your career. If you can manage to grow your salary at 12% CAGR you will be get financial freedom sooner. Your Investment will keep growing, don't fret there much!
Why is it better to pay the extra EMI and keep the tenure the same? in the example used, wouldnt a SIP of 1645 for 25 years give you over 20L (assuming a modest 10% return. over 30L @12% , ~45L at 14% which the Nifty has done in the last 25yrs) .. you wouldnt mind paying an extra 14L in interest in that case... Is it not better to keep the payments to the lowest level possible and let the tenure run longer, especially when the home loan rates are 7-8% .. if they cross over to over 10%, then sure, pay it off sooner.
What am I missing?
Good idea 👍
Good idea, but I have a doubt, repo rate keeps changing, so there will be times when you are paying more than the initial amount, and sometimes you will pay less, so how could you maintain the SIP ?
You also need to pay tax over the capital gains from SIP. 30% to isme jayega
Sir. I visited Bank Of Baroda. The Bank Guy told me to pay 6400. He showed me how he calculated the amount.
What to tell him??
Please make videos in Hindi and other regional languages. I want to send it to my parents too
Or just dub them and upload
Inki chemistry make this so much more fun.
Sir IDFC Has Given Loan on My Pan
When i asked them they said i spent money on Flipkart and never remember spent 14k
Then i saw my Date and time and i didnt
Basically they gave loan to random guy who used my Pan
Now where shall i complain
Hi Can you share that excel sheet
Well the cgst and sgst is 2.5% each isnt it. Havent been to a restaurant in a couple of months
Just asking was there a product placement in this video.. nothing wrong with that 😅
What are the rules for flat fees on which turnover?
Good one
Paying electricity bill through UPI and rupay card to avoid convenience fees and gst😂
🤓🧠
Even for fuel... No convenience fee
Stndard charter said credit card have 0 charge but I made first transaction and had to pay charges
Did you report this issue to the bank?
Could you please make that excel sheet and share it with us.
Happened with me, they miss sold me Samsung Axis card the same way. Was a fool then, learnt from my mistake.
good one
What if you we don't have extra money pay in emi what to do tell me
Good dig at Zepto's free delivery 😂
Remove Swiggy and Zomato, and order my restaurant directly...!!!
Where is the emi excel sheet ? ❤
Last tak dekha
I get ice cream on the way back and save money
chalo bhaut kuch sikha
5:21 😂😂
😜
Are ja na scene ae bahar....😅
Amazon ICICI laughing in corner
Why are you using a low-rating car that has problems? 2nd one you are taking care of wealth but not health. if you don't have Excel you are lost right :)
I order 2 month of whey protein instead of 1 so I save 500rs 🤣
Wah kya idea hai
Pro Tip: Always use affiliate links to shop online. This will help you in earning some cashbacks on your purchase.
I did this actually, my friend made one Amazon affiliate account, but the catch is, you cannot order from the same IP Address with which you have created an affiliate account, so I will order, for both me and him, and he is going to receive the commission 😂
Nice video I like it
Thank you 🙌
Sir jai hind 🙏🙏🌹🌹
credit card close karne ka request daal do. charges reverse karvake denge 😂😂
Slide no 21😂 itna saara slides? Acting is much better than Bollywood actors
composite funda looks difficult to apply as many restaurant operators would not know that themselves
We get that the composite funda might seem tricky since not all restaurant operators might be familiar with it. But don’t worry-just follow the steps in the video, and you’ll be all set! 😊
Zero1 guys... You're doing it completely wrong.
The most targeted victims are from Tier 2- Tier3 cities or towns and villages or old people.
HINDI ME VIDEO BANAO.. TRUST ME
It will help everyone.
Launching a new Hindi channel soon :)
!!I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Bruce Murdock, for his expertise and exposure to different areas of the market.
Without a doubt! Bruce Murdock is a trader who goes above and beyond. he has an exceptional skill for analyzing market movements and spotting profitable opportunities. His strategies are meticulously crafted based on thorough research and years of practical experience.
nice! once you hit a big milestone, the next comes easier. How can i reach him if you don't mind me asking?
look up his name on the web for his website.
I've just looked up his full name on my browser and found his webpage without sweat, very much appreciate this.
Ohhh
bhai aap money save karene ke tips de rhe aur MG Hector chala rhe 😂
paani ki tarah tel peeti hai ye
Thanda nahi he😂
Zepto😂
Hmmmm 🎉🎉🎉🎉
What's this premiere stuff? Lol. It's a youtube video not a movie trailer????
Hindi 😢😢😢
Hindi is channel is coming soon :)
A guy using iPhone 15 pro, Apple Watch ultra on wrist, wearing a Mercedes Benz branded tshirt and riding a 27 lakh rs car giving money saving tips. Lol, the video is so cheesy.
Money saving tips are for the gareeb like you.
5:18 epic thanda nahi hai thanda nahi hai