{"id":212,"date":"2023-02-12T13:15:32","date_gmt":"2023-02-12T13:15:32","guid":{"rendered":"https:\/\/9ledge.in\/?page_id=212"},"modified":"2023-07-09T13:20:53","modified_gmt":"2023-07-09T13:20:53","slug":"knowledge-hub","status":"publish","type":"page","link":"https:\/\/9ledge.in\/index.php\/knowledge-hub\/","title":{"rendered":"Knowledge Hub"},"content":{"rendered":"\n<div class=\"wp-block-query is-layout-flow wp-block-query-is-layout-flow\">\t\t<div\r\n\t\t\tclass='wp-block-ap-block-posts free  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you seek (or don\\u2019t) is seeking you - Our tryst with impulse buying&quot;,&quot;excerpt&quot;:&quot;&quot;,&quot;content&quot;:&quot;The coolest thing that happened in this hot Summer is the Backstreet Boys Concert at Jio Garden in Mumbai. Until the day of the concert, I wasn\\u2019t aware there was a concert in my city. Some would say I live under the stone, but actually I\\u2019ve just been off social media. I was having a conversation with a friend and she brought it up. It was a Thursday and I had signed up for a paid webinar that would be held at the same time. However, I decided to apply my networking skills I honed over the years and arrange for a ticket.&nbsp;\\n\\n\\n\\nEveryone I knew was attending the concert and none willing to cancel the plan! My cousin was gracious enough to use his contacts and luckily he knew someone who had to back out and offered me a ticket. I\\u2019m unlikely to cancel one thing for another, but it was Backstreet Boys - a once in a lifetime rewind of the good old days! I not only enjoyed the concert but also the impromptu reunions with classmates and ex-colleagues who attended the concert. I prefer my events planned, but an impulsive experience such as this was cathartic, to say the least.&nbsp;\\n\\n\\n\\nIn a completely different scenario, my impulse wasn\\u2019t the best deciding factor. I found it cumbersome to tie shoe laces, and annoying to ensure they\\u2019re well-tied every now and then. At that point in time, I\\u2019d spend a considerable amount of time on social media apps. These apps sensed my worries even before I had them and presented a product that would take away from my sorrows and savings. So, for a better shoe-wearing experience, I purchased the elastic no tie shoelaces, as recommended by one of the apps.&nbsp;\\n\\n\\n\\nThey were an inexpensive purchase, looked chic, and I felt a sense of relief knowing I wouldn\\u2019t have to worry about the untying of shoelaces. Not only did I purchase them, but also propagated their utility to my friends and they ended up buying even before they got delivered to me. I still feel that they are a must have. You see how persuasive I can be! The laces lie unused in the package till date and remind me of how impulses can get the best of you. My tryst with impulses continued until I was able to resist them (more often than not). Continue reading to see if one of the ways works for you too!&nbsp;&nbsp;\\n\\n\\n\\nI cited two examples - one where an impulse purchase ended up being a defining experience of my life and the other that made me take stock of all the things I own but didn\\u2019t need. An impulse purchase is driven by the spontaneous desire to own or experience something. I recollect one of the basic concepts of Economics about how demand is created. It\\u2019s the desire to buy, willingness to pay, and the ability to purchase. The purchase is made before one takes the time to process whether or not they actually wanted the product at the price they\\u2019ve paid to own it.&nbsp;\\n\\n\\n\\nImpulse buying is more prevalent now than it was a decade ago. The advent of online shopping and cashless purchases have fueled the plight of shoppers across the world. But, is it just the ease and convenience of shopping that has made impulse buying appealing to us, or are there more layers to peel off?\\n\\n\\n\\nI\\u2019ve been an impulse buyer on several occasions before I became aware of my shopping patterns. Most of my spontaneous purchases were triggered by ads on social media. I wanted the products that I didn\\u2019t need because the ads chased me till I took the bait. These products were merely adding to the list of things that I owned, not the things that were bringing me joy or enhancing my experience in any way. Don\\u2019t get me wrong, ads are very much needed for marketing purposes but some products are a need and some a want.&nbsp;\\n\\n\\n\\nIt\\u2019s after several impulse purchases of shoes, clothes, watches etc., that I realised I\\u2019ve developed a habit that unless I rid myself of would upset my savings and I\\u2019d want a bigger room because there isn\\u2019t enough space to store the things I may never use. The realisation was alarming, but much needed.&nbsp;\\n\\n\\n\\nThe app notifications enticed me to check who engaged with me, and the ads amplified my impulse to purchase. So, I turned off the notifications for most apps. The silence after turning the notifications off was uncomfortable for a while, but I started enjoying my solitude and savings soon enough.&nbsp;\\n\\n\\n\\nDiscounts give everyone a dopamine rush, and I\\u2019m no exception to the rule. Somehow, whenever I came across discounted products, either it was the last day to avail the offer, or they only had a few pieces left. I thought I was fortunate to stumble upon these offers in time, but my fortune kept frequenting me too often. I\\u2019d give in to one discounted product and there would be 10 others waiting for me. The dopamine rush settled in when I realised I\\u2019m spending less on lots of things that I don\\u2019t want, which in turn is making me spend more.&nbsp;\\n\\n\\n\\nSo, I made a 72-hour rule for myself. If I had the urge to buy something, I\\u2019d wait for 72 hours after I liked the product. If the urge persisted, I\\u2019d buy the product, and if not, good riddance. In most cases, the urge would fizzle out within 72 hours and I\\u2019d feel glad I resisted the impulse.&nbsp;\\n\\n\\n\\nTurning off the notifications limited by impulse purchases, but there were other loopholes I needed to seal. You know the times you just need someone to lend you their ears because you want to speak your mind? If your phone is around, rest assured it\\u2019s listening, even to your thoughts. You may want to go aww, but you should go haww! One becomes smart when one listens, our phones are here to testify. I may have innocently mentioned shoes, or watches, or even a bowl of spaghetti over a call or in a chat, and as soon as I open an app, there\\u2019s an ad that tells me \\u201cMain hoon na\\u201d!&nbsp;\\n\\n\\n\\nMy increasing discomfort with such eavesdropping made me delete quite a few apps that I could do without on a daily basis. I access them using my spare phone if and when I need to. Trust me, impulse buying is not limited to products. A lot of you are probably thinking about ordering food when I speak about impulse buying.&nbsp;\\n\\n\\n\\nThe ease of using mobile apps that we\\u2019re used to may get in the way of deleting apps, but the peace that follows is worth the initial discomfort. I also realised how social media apps were the silent productivity killer. I started taking regular sabbaticals from these apps and frequented my personal interactions with people that matter. I\\u2019d shed some light on my connection and disconnection with social media in another blog.&nbsp;\\n\\n\\n\\nThere\\u2019s nothing inherently right or wrong with an impulse purchase. But, it\\u2019s important to identify whether the purchase is fulfilling a need or adding to an endless list of wants.&nbsp;\\n\\n\\n\\nI\\u2019d like you to ponder over two InnSights that have been instrumental in shaping my life.\\n\\n\\n\\n1. Ease of access may lead to excess, which isn\\u2019t necessarily an indicator of abundance.2. A decluttered phone is the first step to a decluttered mind.&nbsp;\\n\\n\\n\\nTry decluttering your mind, one app at a time.&nbsp;&quot;,&quot;author&quot;:{&quot;name&quot;:&quot;wpuser&quot;,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/author\\\/wpuser\\\/&quot;},&quot;date&quot;:&quot;Jul 4, 2023&quot;,&quot;dateGMT&quot;:&quot;2023-07-04 11:59:20&quot;,&quot;modifiedDate&quot;:&quot;2023-07-11 13:34:37&quot;,&quot;modifiedDateGMT&quot;:&quot;2023-07-11 13:34:37&quot;,&quot;commentCount&quot;:&quot;0&quot;,&quot;commentStatus&quot;:&quot;closed&quot;,&quot;categories&quot;:{&quot;coma&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;,&quot;space&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;},&quot;taxonomies&quot;:{&quot;post_tag&quot;:&quot;&quot;},&quot;readTime&quot;:{&quot;min&quot;:6,&quot;sec&quot;:15},&quot;status&quot;:&quot;publish&quot;},{&quot;id&quot;:1092,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/2023\\\/07\\\/04\\\/like-comment-share-subscribe-the-routine-we-all-signed-up-for\\\/&quot;,&quot;name&quot;:&quot;like-comment-share-subscribe-the-routine-we-all-signed-up-for&quot;,&quot;thumbnail&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/9ledge.in\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/WhatsApp-Image-2023-07-04-at-11.46.45-PM-e1688912953967.jpeg&quot;,&quot;alt&quot;:&quot;&quot;},&quot;title&quot;:&quot;Like. Comment. Share. Subscribe - The routine we all signed up for?&quot;,&quot;excerpt&quot;:&quot;&quot;,&quot;content&quot;:&quot;Have you been scrolling on your phone for the last 45 minutes? If so, then this post is for you! And if not, still give it a read.&nbsp;\\n\\n\\n\\nThere\\u2019s a theory that says that if you are spending more than 45 minutes of a day doing a particular activity consistently, you may be addicted to it. This doesn\\u2019t apply just to social media. This applies to working out, or any form of activity, even an afternoon snooze.&nbsp;\\n\\n\\n\\nSo what are you addicted to? You probably checked your phone for some other reason and are really confused as to how you got here. Don\\u2019t worry, this used to happen quite a lot with me. It is ironic that you are probably reading this blog on your phone on a social media application.&nbsp;\\n\\n\\n\\nThis just goes to show that ALL of us are in some form addicted to our phones and to our newfound interest, social media.&nbsp;\\n\\n\\n\\nBut are we aware of this addiction? Awareness is the first step towards detox but taking actions and steps will ensure you can get your time back. Remember the only universal rule that unites humans on Earth is that we all have 24 hours in a day. How we use it, defines the quality of our lives.&nbsp;\\n\\n\\n\\nTo help you out, I have listed out steps I took to reduce my time spent on social media so that I can be a lot more constructive with my life. These worked wonders for me and hope they can help you out too. After all, if I was still addicted to scrolling mindlessly through Facebook or Instagram, I wouldn\\u2019t have found time to pen this down for you. Read on.&nbsp;\\n\\n\\n\\n~ Every phone has a timer, but not the kind that you are thinking of right now. This timer or an equivalent application lets you limit the time spent on each app for a day. This is the first step in your journey. However, it is very easy to ignore this limit by entering a pin that has been set by you, if you are not disciplined enough. Remember, we are no longer in school but if you lack the discipline, ask your loved ones to set this pin for you and not share it. Sounds familiar to the parental lock you set for your child on the OTT platform?&nbsp;\\n\\n\\n\\nDon\\u2019t worry, I still use OTT platforms for more than 45 minutes and I am trying to cut that down. It\\u2019s tough. Here is how I was able to get that down from binge watching to 1 hour a day on average.\\n\\n\\n\\n~ Deleting the app from my phone. While you may have recently come across \\u201cGo Mobile with 199 only\\u201d, not having the app on my phone saved me a lot of time. Yes it is sometimes annoying to not be able to watch your favourite show while on flight mode but perhaps read a book, journal or ideate. I use this time to think of ways I can enhance my product offerings at my startup.&nbsp;\\n\\n\\n\\n~ Pause! If you are an android user take immediate action and go to the YouTube app and try to delete it and come back to celebrate a quick win!&nbsp;\\n\\n\\n\\nBack so soon and rather perplexed. You just realised there was no delete option but only a disable option! This would be the same for Facebook and some others especially the ones that come preloaded with your phone. Disabling it was not that effective for me.&nbsp;\\n\\n\\n\\n~ Don\\u2019t worry, I have another hack for you. Probably you may have heard of this saying \\u201cOut of sight, out of mind.\\u201d Simply put, remove the app from your home screen. The moment you do this, you will get over your constant need to open the app every few minutes when in the middle of tasks. Voila, you will be a lot more focussed.&nbsp;\\n\\n\\n\\nTrust me this saying can be universally applied and not just to get over your ex-partner. I realised I was spending a lot of time on LinkedIn despite not actively looking for a job. As soon as I applied this hack, I was able to do many more things in a shorter time frame. I still use LinkedIn but more often to draft these posts rather than to scroll mindlessly.&nbsp;\\n\\n\\n\\nAnd like everything addictive, you are inclined to rebound. So, if none of this works, buy a non-smart phone or one which hardly has many functionalities and cut off from the world once in a while! This can be the best gift you can give yourself.&nbsp;\\n\\n\\n\\nThere is absolutely no debate that social media is a boon to society as well. After all, you are reading this because of social media. So if you are unable to try out the above methods, take advantage of social media and use it constructively. Subscribe to the right channels, ones that educate you or add value to your life. This way, even your addiction, will lead you to grow in your life.&nbsp;\\n\\n\\n\\nDo follow me, @Vivek Datta, for more such content.&quot;,&quot;author&quot;:{&quot;name&quot;:&quot;wpuser&quot;,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/author\\\/wpuser\\\/&quot;},&quot;date&quot;:&quot;Jul 4, 2023&quot;,&quot;dateGMT&quot;:&quot;2023-07-04 11:58:58&quot;,&quot;modifiedDate&quot;:&quot;2023-07-11 13:37:01&quot;,&quot;modifiedDateGMT&quot;:&quot;2023-07-11 13:37:01&quot;,&quot;commentCount&quot;:&quot;0&quot;,&quot;commentStatus&quot;:&quot;closed&quot;,&quot;categories&quot;:{&quot;coma&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;,&quot;space&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;},&quot;taxonomies&quot;:{&quot;post_tag&quot;:&quot;&quot;},&quot;readTime&quot;:{&quot;min&quot;:4,&quot;sec&quot;:15},&quot;status&quot;:&quot;publish&quot;},{&quot;id&quot;:1090,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/2023\\\/07\\\/04\\\/great-power-greater-responsibility-the-curious-case-of-credit-cards\\\/&quot;,&quot;name&quot;:&quot;great-power-greater-responsibility-the-curious-case-of-credit-cards&quot;,&quot;thumbnail&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/9ledge.in\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/wallet-g03175eb52_1280.jpg&quot;,&quot;alt&quot;:&quot;&quot;},&quot;title&quot;:&quot;Great power, greater responsibility: The curious case of credit cards&quot;,&quot;excerpt&quot;:&quot;&quot;,&quot;content&quot;:&quot;Did you like me grow up believing the tale of \\u2018aish hi aish\\u2019 once you score well in your board examinations? Later, the condition was graduating from a renowned college, followed by a decent job at an MNC, succeeded by your first promotion. I think we couldn\\u2019t comprehend what the coveted \\u2018aish\\u2019 is. Maybe, it meant an exponential growth of responsibilities, lack of time with friends &amp; family, skipping meals because you can\\u2019t skip deadlines, and dealing with a new variant of back pain, every other day. We didn\\u2019t sign up for adulthood for this, did we?&nbsp;\\n\\n\\n\\nApologies for the rant; I just needed one before I can focus on what I\\u2019m grateful for. I got the first taste of having arrived in life when I got my first credit card. It felt like the bank was validating my sincere hard work through the years by offering me a card that would let me enjoy the rewards before I earned them. The first swipe of the card was no short of magic. My heart was as full as my bags and wallet were.&nbsp;\\n\\n\\n\\nAs much joy as the credit card brought me, it had garnered a negative reputation over the years. I was told by many well-wishers and seasoned professionals that it makes you spend beyond your means. Some went so far as to say that frequent usage of credit cards makes you an addict and you can\\u2019t seem to get through life without swiping it on every occasion.&nbsp;\\n\\n\\n\\nThey weren\\u2019t wrong in warning me against the unregulated usage of credit cards. However, over the years, I realised that the cynicism around credit cards is due to lack of awareness about its optimum utility. I wish I learnt to use this financial wand earlier as I do now. But, I\\u2019d make peace with not knowing better by ensuring that you do.&nbsp;\\n\\n\\n\\nA credit card is as much of a boon or bane as the user wants it to be. Let\\u2019s begin with the basics. Your credit card allows you to spend first and pay later. Basically, you purchase a product, or enjoy an experience before you pay for it. Now, you may wonder, why would I do that when I could use my debit card, netbanking, or cash to make the payment?\\n\\n\\n\\nFair question. We grew up on the ant &amp; cricket fable that taught us, \\u201cNeither a borrower, nor a lender be\\u201d. On using your credit card, the money in your bank stays intact and earns interest. While the interest compounds, you can pay off your dues to the bank (before the due date) so that you\\u2019re a borrower no more.&nbsp;\\n\\n\\n\\nA smart way to use your credit card is to plan your spends in a way that you transact on the first day of your billing cycle to get up to 50 days of an interest-free loan. Don\\u2019t get carried away though. This is a free facility, not free money. Ensure using only as much of your credit limit as you could pay off entirely when the bill is due. The amount you won\\u2019t pay would accumulate interest resulting in a higher amount payable in the next billing cycle. This interest charged to you is 4 to 8x the interest you earn from your savings account so you can\\u2019t be the David to this Goliath. Pay in Full or don\\u2019t play this game at all.&nbsp;\\n\\n\\n\\nHere are some other reasons credit cards will drain you financially.&nbsp;\\n\\n\\n\\nNever miss a payment as there are high fees associated with it and I spoke about the penal interest rate already. This also impacts your ability to borrow from other sources as it hampers your credit score.&nbsp;\\n\\n\\n\\nGoing over the top will bring you to the bottom. Despite the credit limit set, credit card companies, unless you have opted out, will let you exceed this limit. Why, you ask? Well, there is a fee for this. Plus the more you can\\u2019t pay, the more interest they earn. It is the beginning of a debt trap. This also impacts your credit score negatively. We\\u2019d touch upon why your credit score is just as significant as your HSC score, in one of the following blogs.&nbsp;\\n\\n\\n\\nHere is how to avoid getting into this trap in the first place.&nbsp;\\n\\n\\n\\n~ Opt out of this over the limit option when applying.&nbsp;\\n\\n\\n\\n~ If ever you have to exceed this limit to avail any offers or discount, pay off your existing balance before swiping\\n\\n\\n\\n~In fact, avoid using more than 40% of your credit limit to ensure you aren\\u2019t classified as credit hungry.&nbsp;\\n\\n\\n\\n~You should also be cautious against conversion to EMI and BNPL unless you have good experience in managing your credit cards.&nbsp;\\n\\n\\n\\n~If you do happen to go over the limit, get the balance below your limit by paying partially and getting to the credit limit below 40%. Most companies report to the credit bureau on the 30th of the month so as long as you are below the limit, it won\\u2019t hamper your credit score. The over limit fee will still be chargeable.&nbsp;\\n\\n\\n\\nThe obvious question which follows is what do I do when I want to use more than 40% of my credit limit? Diversification to your rescue! Have 3 to 4 credit cards intended for different purposes. More on this after we discuss how credit cards add value.&nbsp;\\n\\n\\n\\nWhoever thought of credit cards first certainly believed in the joy of giving. Not only do credit cards let you spend the money that\\u2019s not yours, you get to earn reward points each time you spend. These reward points make me fly! No kidding. The reward points convert into air miles that I redeem to avail free flight tickets. They can help you with discounts on your purchases, fuel, provide lounge access and more. When you pay your credit card bill on time and in full, you avoid late fees or interest accumulation and build an excellent credit score.&nbsp;\\n\\n\\n\\nYou know how rampant financial frauds are in the digital era. While you must always be wary of fraudulent transactions, credit cards intuitively flag them (using fraud analytics) before you fall prey to them. You\\u2019re not only more likely to be saved from such frauds, but also highly likely to recover the money if you happen to lose any. Since you\\u2019re given a short-term loan, the lender is as inclined towards safeguarding the money as you are.&nbsp;\\n\\n\\n\\nOne of the ways to be more vigilant is to download the credit card app, and set a daily transaction limit (close to a minimum). Turn off contactless, international transactions and temporarily turn them on when making a purchase. Contactless transactions are difficult to dispute so let go of the convenience of tapping your card. Amitabh Bachchan also uses limit management to safeguard the add-on card used by his granddaughter in the RBI advert.&nbsp;\\n\\n\\n\\nSpeaking of add-on cards, you can get them issued for your family members. As most credit card companies, treat them as separate cards, say hello to getting double the benefits. Add-on cards can help young people with the discipline of using one before venturing out on their own and I personally use them for my parents to get 3x the benefits of lounge access, flight offers and more mostly without any additional fee.&nbsp;\\n\\n\\n\\nGod forbid, but if you\\u2019re amid a medical emergency, the last thing you need to be worried about is arranging funds. Owning credit cards could save you a great deal of stress and running around in such a situation. Ensure you say \\u2018yes\\u2019 to the credit enhancement offers as your income grows on one of the credit cards you own as it forms a part of your temporary emergency fund.&nbsp;\\n\\n\\n\\nWhy temporary you ask? Well. Just because you used it in an emergency doesn\\u2019t mean the above rules don\\u2019t apply. You still need to pay the bill in full when it is due to avoid penal interest rates. Dip into your emergency fund and pay it off. Remember credit cards are the worst emergency funds if they are the only emergency fund you have.&nbsp;\\n\\n\\n\\nSo now let\\u2019s dive deeper into the 40% credit limit and diversification. Once you have acquired the discipline you can own about 3 to 4 credit cards. You may opt for Visa, Mastercard, American Express and Rupay. All have their own advantages and disadvantages which are driven by your personal usage.&nbsp;\\n\\n\\n\\nThis is how I manage my 3 credit cards and their usage. If you don\\u2019t follow the Indian Premier league (IPL) you may not understand the nomenclature.&nbsp;\\n\\n\\n\\nMost Valuable Player (MVP)\\n\\n\\n\\nAs the name suggests, this is my most utilised card and I pay an annual membership fee for it. I earn 2 to 3 free tickets a year by using this card for most of my spends to accumulate reward points. In addition, there are multiple discounts on flights and hotels on flight aggregator websites giving me a handsome return on my investment (6 to 7x including the free flights).&nbsp;\\n\\n\\n\\nThe cherry on top is that it has one of the best duty free offers at the airport in addition to free lounge access. The secret to maximising the reward points is to accept credit limit enhancement when offered periodically as your income grows as well as using the redemptions towards flight tickets only. The \\u20b9 value is sometimes 50% when redeeming towards normal reward partners like gift vouchers etc. I keep the overall transactions limit set at 40% and daily transactions limit set to \\u20b95,000. International transactions are only towards travel bookings and turned off whenever not in use as the card has a higher foreign exchange markup. Contactless is permanently disabled.&nbsp;&nbsp;\\n\\n\\n\\nThe Wicket Keeper\\n\\n\\n\\nAs the name suggests, this card is meant to be a safety net. It has no annual fees and I use this card for all online transactions from netflix subscriptions to online shopping at Amazon and more. This one has the lowest credit limit. I don\\u2019t enhance this limit because it is the most susceptible to financial frauds given it is stored for subscription purposes and also most frequently used across e-commerce websites. Contactless is permanently turned off and only used physically when there are card specific discounts or if I am unsure of the place I am using it at. I specifically opted for a low credit limit. This card was also chosen based on offers across shopping and utility platforms like urban company, zomato which I use regularly.&nbsp;\\n\\n\\n\\nThe Impact Player\\n\\n\\n\\nThis one is my backup card which I use wherever it creates value. It has a credit limit much lower than the MVP but 3x the Keeper. I say \\u2018no\\u2019 to credit limit enhancement and \\u2018yes\\u2019 to discount offers online, to fuel pumps as it waives off any fees, free lounge access in places the MVP doesn\\u2019t open (lounge) doors for me, to non travel international transactions (due to low foreign exchange fees) and to contactless transactions. Needless to say, international and contactless transactions are disabled when not in use.&nbsp;&nbsp;\\n\\n\\n\\nThe Home Grown Talent&nbsp;\\n\\n\\n\\nMy 4th one is going to be a local homegrown talent we all should be proud of! Can\\u2019t wait to get my hands on the Rupay powered card especially as it now is linked to the Unified payments interface (UPI).&nbsp;\\n\\n\\n\\nSo, you see, nothing is either good or bad; your perception of it makes it so. Credit cards, if used mindfully, can not only help you manage your funds, but can also enhance your savings, and create a credit score that would ease your life in various ways. Having said that, I\\u2019m not pursuing you to use credit cards if you aren\\u2019t comfortable with it. By the end of it, there\\u2019s nothing as fulfilling as the contentment of making informed decisions.&nbsp;&quot;,&quot;author&quot;:{&quot;name&quot;:&quot;wpuser&quot;,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/author\\\/wpuser\\\/&quot;},&quot;date&quot;:&quot;Jul 4, 2023&quot;,&quot;dateGMT&quot;:&quot;2023-07-04 11:58:40&quot;,&quot;modifiedDate&quot;:&quot;2023-07-09 15:05:33&quot;,&quot;modifiedDateGMT&quot;:&quot;2023-07-09 15:05:33&quot;,&quot;commentCount&quot;:&quot;0&quot;,&quot;commentStatus&quot;:&quot;closed&quot;,&quot;categories&quot;:{&quot;coma&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;,&quot;space&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;},&quot;taxonomies&quot;:{&quot;post_tag&quot;:&quot;&quot;},&quot;readTime&quot;:{&quot;min&quot;:9,&quot;sec&quot;:51},&quot;status&quot;:&quot;publish&quot;},{&quot;id&quot;:1088,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/2023\\\/07\\\/04\\\/in-a-world-full-of-cliffhangers-everyone-deserves-closure\\\/&quot;,&quot;name&quot;:&quot;in-a-world-full-of-cliffhangers-everyone-deserves-closure&quot;,&quot;thumbnail&quot;:{&quot;url&quot;:false,&quot;alt&quot;:false},&quot;title&quot;:&quot;In a world full of cliffhangers, everyone deserves closure&quot;,&quot;excerpt&quot;:&quot;&quot;,&quot;content&quot;:&quot;Does your mother own that one saree that you\\u2019ve never seen draped on her, but she refuses to let go of it? Or seen a timeless watch that has been stuck in time for aeons, but your father would neither repair, nor cremate it? That saree, the watch, or anything that\\u2019s been in your house longer than you have, represent memories, blessings, and the legacy that your grandparents, or their parents, or even their ancestors left behind.&nbsp;\\n\\n\\n\\nThese collectives may have no material value, but your parents may trade the world for them. They\\u2019ve preserved a part of the bygones that they want to bestow upon the future generations. It\\u2019s all an attempt for the memories to not to be swept off the face of earth; to keep their legacy alive.&nbsp;\\n\\n\\n\\nAlong with the respect for our legacy, what has also persisted in our families is the generation gap, which I believe keeps expanding due to the communication gap. There\\u2019s an undocumented code of conduct that permits certain discussions while others are the elephants in the room, that age poorly but never die.&nbsp;\\n\\n\\n\\nOne of the taboo topics that never comes up as a dinner table conversation is death.&nbsp;\\n\\n\\n\\nWe\\u2019re aware of its certainty, but would rather suffer in denial than talk about the fear that it evokes. The nearer our parents are to their retirement age, the more we worry about their well-being; and so do they about ours.&nbsp;\\n\\n\\n\\nSome of our parents would rather suffer an ailment in silence than ask us to book a health check-up appointment. As for us, we\\u2019d rather take a mean tone with our parents when they\\u2019re careless about their health than lovingly tell them that we care. So, you see, the old habits that should\\u2019ve been buried long ago form a part of the legacy we care to preserve.&nbsp;\\n\\n\\n\\nNot acknowledging the certainty of death keeps us from preparing for the uncertainty of life. The two-year pandemic was a harsh reminder of how fragile life is. While some of us learnt our lessons and began living in the moment, most of us fail to gauge the pace at which moments are passing us by.&nbsp;\\n\\n\\n\\nPardon me for being morbid, but if tomorrow didn\\u2019t happen, are you prepared for it today? Have you expressed your love to the ones you can\\u2019t spend enough time with because you\\u2019re building a \\u2018future\\u2019? Did you bury the hatchets that kept bruising your peace of mind? Is your family prepared to cope with the emotional and financial loss that your demise may cause? What seems like a daunting hypothesis now has been a nightmarish reality for many unfortunate ones.&nbsp;\\n\\n\\n\\nOne of my friends lost her father during the pandemic. She wasn\\u2019t around when he was breathing his last. To date, she\\u2019s ready to give up everything to listen to a few words from him. The fact that her father may have had some last wish that she doesn\\u2019t know of is a regret she\\u2019s been living with.&nbsp;\\n\\n\\n\\nI realised, being unprepared for death may lead to a miserable life. That\\u2019s no way to live! This isn\\u2019t one of the epiphanies that kept me awake one night and became a lost cause as soon as I scrolled my phone the next morning. I started thinking of ways in which we could give better closures to the ones we love. Several dos, don\\u2019ts, bad ideas, too good to be true ideas, harsh realities, and technical knowhow culminated into MyySafe.&nbsp;\\n\\n\\n\\nIf you\\u2019ve experienced the loss of a loved one, you\\u2019d know the void that nothing can fill and none can replace. You reminisce about the moments you rejoiced together and regret each time you couldn\\u2019t treat them well. Could you bear to think that they may have had something they wanted to talk about - a dream that never saw the light of the day, a confession they never had the courage to make, a wish they\\u2019d love for you to fulfil - none of which you know?&nbsp;\\n\\n\\n\\nI understand how heavy not knowing what their last thoughts were could weigh on someone. My suggestion to readers across demographics is to record a video that could be used to express the love which was always felt but never spoken of, a wish they\\u2019d like to be manifested, or maybe a song they\\u2019d like to dedicate as a tribute to life. This video would testify to the love, memories, and the time you shared, before one of you ran out of it. After all, losing who you love doesn\\u2019t stop you from loving who you lose, does it?\\n\\n\\n\\nHindi movies are infamous for standing tall and proud on nepotism and exaggerated premises. But, they gave us some timeless InnSights, one of which is to document all your possessions, assign them fairly to your loved ones, and entrust your documents to a loved one. You may do everything to avoid conflicts in your presence, but you also should be able to prevent conflicts in your absence.\\u00a0I, like most of you, would avoid difficult conversations thinking \\u201cJab hoga tab dekh lenge\\u201d. I mended my ways when life taught me what loss is. One lives well when there aren\\u2019t regrets weighing them down. If you\\u2019ve been left a legacy of memories, love, and treasures that would sustain generations, preserve it with MyySafe&quot;,&quot;author&quot;:{&quot;name&quot;:&quot;wpuser&quot;,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/author\\\/wpuser\\\/&quot;},&quot;date&quot;:&quot;Jul 4, 2023&quot;,&quot;dateGMT&quot;:&quot;2023-07-04 11:58:16&quot;,&quot;modifiedDate&quot;:&quot;2023-07-04 12:00:07&quot;,&quot;modifiedDateGMT&quot;:&quot;2023-07-04 12:00:07&quot;,&quot;commentCount&quot;:&quot;0&quot;,&quot;commentStatus&quot;:&quot;closed&quot;,&quot;categories&quot;:{&quot;coma&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;,&quot;space&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;},&quot;taxonomies&quot;:{&quot;post_tag&quot;:&quot;&quot;},&quot;readTime&quot;:{&quot;min&quot;:4,&quot;sec&quot;:27},&quot;status&quot;:&quot;publish&quot;},{&quot;id&quot;:1086,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/2023\\\/07\\\/04\\\/a-life-insurance-endowment-plan-brings-you-the-best-of-both-worlds-or-does-it\\\/&quot;,&quot;name&quot;:&quot;a-life-insurance-endowment-plan-brings-you-the-best-of-both-worlds-or-does-it&quot;,&quot;thumbnail&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/9ledge.in\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/insurance-gd379a29ca_1280.jpg&quot;,&quot;alt&quot;:&quot;&quot;},&quot;title&quot;:&quot;A Life Insurance Endowment plan brings you the best of both worlds. Or does it?&quot;,&quot;excerpt&quot;:&quot;&quot;,&quot;content&quot;:&quot;I love interacting with my students. Their imagination has no bounds. I\\u2019ve grown up believing, \\u2018you can\\u2019t have the cake and eat it too\\u2019. But, my students think otherwise. They know how to eat the cake and have a calorie deficit too. One of such InnSightful conversations somehow ended up being about endowment plans. They said it\\u2019s like eating vegan meat - everybody wins. I\\u2019m still trying to wrap my head around that analogy, but let me decode an endowment plan for you.&nbsp;\\n\\n\\n\\nAn Endowment plan brings you the security of an insurance policy and the returns of an investment channel. You could choose from a bouquet of endowment plans which include Unit-linked Plan(ULIP), Guaranteed Plan, With-Profit Plan, Low-Cost Plan, and Non-Profit Plan.&nbsp;\\n\\n\\n\\nLet\\u2019s take a microscopic look at what these plans endow upon you.&nbsp;\\n\\n\\n\\n\\nExperience the victory of hitting two birds with one stone: Here\\u2019s the good news! One way or another, there\\u2019s going to be money in the bank. Endowment plans usually have a higher tenure, say 20 to 30 years. So, in the event of your demise within this period, your family receives the sum assured, and if you survive the tenure, you\\u2019re returned the accumulated value of all the premiums plus additional bonuses earned through investments after deducting necessary fees.&nbsp;\\n\\n\\n\\n\\n\\nMake way for some passive income: You would have heard this term flashing across social media ever since the pandemic and your FoMo (fear of missing out) kicked into overdrive. That\\u2019s when a guaranteed income plan of 8% per annum was presented as an offer one wouldn\\u2019t refuse. Wrapped in a promise of tax free guaranteed passive income for life, you already signed up for it, didn\\u2019t you? For those who didn\\u2019t purchase one, I get your urge to stop reading further and buy one right away, but trust me you\\u2019d want to read what follows before giving into your impulses.&nbsp;\\n\\n\\n\\n\\n\\nOh, the tax relief: Under Section 80C, the premiums you pay would be exempted up to Rs.1.5 lakhs per annum. Not only your premiums, but the income received (a lump sum or annuity payments) will also be tax exempted as long as your total annual premiums don\\u2019t exceed Rs. 5 lakhs per annum (for non-ULIP plans issued post April 1, 2023).&nbsp;\\n\\n\\n\\n\\nWhen something seems too good to be true, it most likely is. While an endowment plan seems like a lucrative insurance investment, you may want to decipher the asterisks that often go unnoticed.&nbsp;\\n\\n\\n\\n\\nYour annual premiums are equivalent to the flight tickets to your favourite international destination: We touched upon things being too good to be true, didn\\u2019t we? Say you consider an insurance plan with a sum assured of Rs.1 crore, the annual premium you pay for a term plan would probably be 10% of what you pay for an endowment plan which will set you back by a few lakhs if not more. You\\u2019ll wonder why. A term plan is strictly designed to cover the financial needs of your family if you\\u2019re no longer alive, the chances of which are minimal, up until a certain age. An endowment plan, on the other hand, is doing the same thing whether you\\u2019re alive or not. So, premiums for a term plan are cheaper because the chances of a payout is lesser compared to the certainty of payout for an endowment plan. If you\\u2019re interested in diving deeper into the mechanisms of these plans, I am just an email away.\\n\\n\\n\\n\\n\\nThe benefits seem twofold, but so are the costs: A part of your premium pays for servicing your insurance and a part of it pays for managing your investment. Often, the investment management fee that you pay through an endowment plan is equivalent, if not more, than you\\u2019d pay to a traditional investment manager handling your mutual funds, instruments that often yield higher returns comparatively.&nbsp;\\n\\n\\n\\n\\n\\nYou get returns, but not real ones: While the projected returns are estimated to be around 8%, the actual return known as internal rate of return is about 5.5 - 6% per annum. On average, India has seen inflation upwards of 6% per annum and the world is battling high inflation, so, your inflation-adjusted rate of return or real return is negligible. Now that I got you thinking about the vacation again, I am wondering if it was too soon to burst the bubble? Hold on though as my next blog has some InnSights that may be worth the wait!&nbsp;\\n\\n\\n\\n\\n\\nSurrendering the policy vs retaining it - Sophie\\u2019s choice: Many of my clients who consulted me for risk-profiling and retirement planning owned endowment plans or were about to. That\\u2019s the power of persuasion of endowment plans. When they had buyer\\u2019s remorse a few years later, they were quick to decide to surrender the policy. By surrendering, I mean you cancel the policy and accept whatever the accumulated amount is. That\\u2019s not always a good thing as there may be severe penalties involved due to your choice of going against what you signed up for. To put things in perspective, when I tried to surrender my plan for which I had paid 10 out of the 15 yearly premiums I agreed on, my surrender value after allowing for investment returns was 80% of my absolute premiums paid. Surrendering this policy would not have been the right choice! However, I did surrender two smaller annual premium paying policies as they would have matured 27 years later and the loss I made could be recouped by investing the money received on surrender via a mutual fund. Disclaimer: I\\u2019m not a mutual fund agent or promoting them in any form. Please review your risk profile before investing.&nbsp;\\n\\n\\n\\n\\nI\\u2019m hoping you would\\u2019ve understood the nitty-gritty of an endowment policy by now. There is a policy that works best for you but would do no good to a friend you might recommend it to. Your risk appetite, liquidity, demographics and many other factors are pivotal in determining the ideal policy for you.&nbsp;Financial and investment blogs have garnered a tedious reputation over the years. I\\u2019d try my best to build your intrigue and demystify the concepts you\\u2019ve been living with. Reach out to me if you\\u2019d like to review your Insurance, Risk and Retirement Planning portfolio. Together, let\\u2019s make informed decisions.&nbsp;&quot;,&quot;author&quot;:{&quot;name&quot;:&quot;wpuser&quot;,&quot;link&quot;:&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/author\\\/wpuser\\\/&quot;},&quot;date&quot;:&quot;Jul 4, 2023&quot;,&quot;dateGMT&quot;:&quot;2023-07-04 11:57:46&quot;,&quot;modifiedDate&quot;:&quot;2023-07-09 15:05:08&quot;,&quot;modifiedDateGMT&quot;:&quot;2023-07-09 15:05:08&quot;,&quot;commentCount&quot;:&quot;0&quot;,&quot;commentStatus&quot;:&quot;closed&quot;,&quot;categories&quot;:{&quot;coma&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;,&quot;space&quot;:&quot;&lt;a href=\\&quot;https:\\\/\\\/9ledge.in\\\/index.php\\\/category\\\/uncategorized\\\/\\&quot; rel=\\&quot;category tag\\&quot;&gt;Uncategorized&lt;\\\/a&gt;&quot;},&quot;taxonomies&quot;:{&quot;post_tag&quot;:&quot;&quot;},&quot;readTime&quot;:{&quot;min&quot;:5,&quot;sec&quot;:13},&quot;status&quot;:&quot;publish&quot;}]'\r\n\t\t><\/div>\r\n\t\t<\/div>\n\n\n\n<div class=\"wp-block-query is-layout-flow wp-block-query-is-layout-flow\"><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/pages\/212"}],"collection":[{"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/comments?post=212"}],"version-history":[{"count":16,"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/pages\/212\/revisions"}],"predecessor-version":[{"id":1141,"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/pages\/212\/revisions\/1141"}],"wp:attachment":[{"href":"https:\/\/9ledge.in\/index.php\/wp-json\/wp\/v2\/media?parent=212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}