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For the past few years, AMD Ryzens have been better value and often more performant than Intel processors. Intel is really struggling - check its stock price in the US.

Circular clearly says this is only when the bank earns interchange fees. So it is not applicable on zero MDR transactions, so not applicable on CC-over-UPI txns below Rs. 2000. This also probably means that in the future, banks are going to complain about zero MDR for low value txns, and RuPay...

It does not matter that one is CDSL and other is NSDL, is the point I was making. 6ix9ine, I think you are confused as to what a "DP" is. CDSL and NSDL are depositories, not depository participants (DPs). Groww, Zerodha, ICICI Securities etc are depository participants. One _cannot_ normally...

No, they are not theoretical. If you have cards that charge zero forex fees, for payments using cards, the calculated value on the settlement date matches the charged value to the paisa. It's a different story for wire transfers etc., but for card payments, they are perfectly accurate. If your...

I have done this exercise multiple times using the same card network supplied calculators and it's not the same result every time. Sometimes MasterCard gives better rates, sometimes Visa. Somebody needs to do this for every day for a long period to see if on an average one network provides...

I am inclined to say that's the risk you take when you buy on EMI with the intention on cancelling the EMI conversion. It may work sometimes and it may not work at others. The bank has a complicated arrangement with the merchant and often pays money to the merchant to fund a part of the EMI...

These ideas sound like they would take non-trivial amount of time to profit from. Is it really side income at that point?

This is incorrect interpretation. You cannot have two demat accounts with groww or two with sbi or two with zerodha etc. It's perfectly fine you have one cdsl demat with groww and another cdsl demat with zerodha.

If you are moving from demat to SoA you don't really move to a particular platform - you should be able to access your units from kuvera / mfcentral / whatever.

You can fight all these middleman portals and have this uncertainty at the back of your mind about which day's NAV you'll get. Or you can do what I settled on and purchase from AMC sites and use these middlemen only for portfolio overview. With most AMC sites, you can purchase right till 3:00 pm...

Even though the decision is based on information provided by the customer, the algorithm used to arrive at the decision can be proprietary.

Pilot Frixion pen ink is sensitive to heat and actually reappears at temperatures below -10 degrees C. So if this 'magic pen' is like Pilot Frixion, it might be worthwhile to put that cheque in the freezer for some time to see if any writing reappears. All the best!

I do not like these guidelines. Evaluating a customer for creditworthiness is / should be proprietary information / algorithm for the bank. The bank is taking a calculated risk when it agrees to loan money. A bank with a better algorithm to identify good borrowers should be able to use it and...

They usually charge SMS charges every 3 months so will know the status next month. Let's see. I'll update here.

Could someone please post a link to the relevant official circular? I searched on the RBI website but couldn't find it.

I have some experience with this. It's an ongoing saga. I tried turning off chargeable SMS using ATM request mode but that never succeeded and ATM always showed some error. Then called phone banking, the guy said he is turning off the alerts, but was still charged. Called again, same story...

Monthly recurring tasks set in Google Tasks / Google Calendar for checking statements and paying bills has worked for me.

I will not have this problem because my quarterly or daily or annual or lifetime interest amounts are all zero for this account.

Also, even if they don't charge, I don't want to have an account which is so poorly managed that the two entities which manage it say opposite things and clearly cannot sync up and formulate one common policy. Have submitted closure request.

Unity SF Bank took over PMC Bank when the latter failed so there was (is?) some negative opinion associated with the combined entity. So they had (have?) high interest rates which could be attractive for some depositors. Last I checked they had just launched an app but did not have internet...