CA Niraj Dugar

Prashant Jain’s view for the next 3 years. Challenge is not that these returns will not come. It’s about when does it come? All of it could come in the third year may be. How patient can you remain?

Infinia has lost some shine, but I still think there's a strong case for keeping it. • Insurance: earns points, capped at 10,000 reward points a month. • Utilities: earns points, capped at 2,000 reward points a month. • Jewellery and gold purchases earn you points. • You continue to get 5x on travel and smartbuy. • Vouchers are capped at 3k points per month but useful.

Most people think about porting only when the renewal premium goes up. That's the weakest reason to do it. Porting means moving your health policy to another insurer without starting from zero. Under IRDAI's master circular, you carry over your sum insured, no claim bonus, waiting periods already served and your moratorium credit. Your old insurer must share your details within 72 hours. The new insurer must decide within 5 days of getting them. Reasons worth porting for. 1. Claims experience. Repeated delays, deductions or disputes at your current insurer. 2. Features that cost you money. Room rent caps, co-payments, sub-limits on treatments, or no restoration benefit. 3. A network that doesn't fit. The hospitals you'd actually use aren't covered cashless on your plan. 4. Cover that has become too small, and a plan elsewhere that gives you better headroom. 5. A plan that no longer suits your needs, such as a growing family. Reasons to think twice. 1. You've developed a health condition. The new insurer underwrites you afresh, and it can decline or add terms. Your current insurer can't deny renewal because you made claims. 2. You want extra sum insured or a new cover. The extra part starts its own waiting periods. 3. Premium is your only reason. A cheaper policy that drops features can cost far more in one claim. Before you port. Apply well before renewal, so underwriting finishes before your policy lapses. ICICI Lombard's sheet asks for at least 30 days and no earlier than 60. Compare the new policy wording for waiting periods, room rent, co-payment and sub-limits. And don't let your current policy lapse while you port. Your years of continuous cover also count towards the 60-month moratorium, after which a claim can't be contested for non-disclosure, except for fraud. Porting keeps that clock running. Getting the right cover, and handling the claim paperwork if it ever comes to that, is what my team does. Apply here: holisticinsurance.in If you are interested to work with Holistic Wealth, please fill this form. docs.google.com/forms/d/e/1F… This is for education only and isn't advice. Check the policy wording before buying. Insurance is subject to solicitation. Niraj Dugar | Holistic Prime Wealth | ARN-28584

Here are some good Amex replacements 🧘🧘

Travel spending starts before you board: a suitcase, comfortable shoes, a jacket or headphones. Scapia Coins can help with those too, not just flights and hotels. Apply - apply.scapia.cards/landing_p… You can redeem Coins towards eligible luggage, footwear, clothing, gadgets and more in the in-app Scapia Store. That gives your rewards a use before a trip and between holidays, rather than leaving them waiting for your next booking. Why I'd consider Scapia Federal for travel season: • No joining or annual fee, and zero forex markup on international card spending. Overseas spending itself doesn't earn Coins. • Eligible travel bookings and Store purchases in the app earn 20% in Coins. At 5 Coins = ₹1, a ₹10,000 eligible purchase earns 2,000 Coins worth ₹400. That's 4% redemption value, not 20% cashback. • ₹20,000 of qualifying spending in the preceding billing cycle unlocks domestic Airport Privileges, with lounge or eligible dining, shopping and spa options. Activation and outlet conditions apply.

Even the best of the technical analysts can go horribly wrong. It would be good for you to understand how technicals work rather than worshipping an analyst.

Amex has had very shady practices all throughout 2026. 1. Two devaluations on plat travel. 2. Offer an upgrade to plat travel and then devalue it. 3. Shift in customer service. 4. Claw back of points today. They shouldn't have kept the referral program open last couple of years if they couldn't bear the losses. They thought people will also spend on the cards where they failed to make the right assessment.

I transferred my points in October but don’t think today’s issue would have impacted me as I’d made transfers previously as well. It’s always good to err on the side of caution imo. It was clear Amex doesn’t want to do any business through the lower end cards.

Upgrading your hospital room by ₹2,500 a day can cost you ₹50,000 on the final bill. It's called proportionate deduction. It's in both ICICI Lombard Elevate and Bajaj General My Health Care Plan. Here's an example. Say your plan entitles you to a room at ₹5,000 a day. You take one at ₹7,500 a day for 4 days. Assume no co-payment or deductible, and that the deduction applies to the room, nursing, OT and surgeon fees. Room charges: ₹30,000. Nursing, OT and surgeon fees: ₹1,20,000. Pharmacy, implants and tests: ₹60,000. You'd expect to pay only the ₹10,000 room difference. You pay more. The insurer pays ₹5,000 out of every ₹7,500, which is two thirds, of the room, nursing, OT and surgeon charges. That's ₹1 lakh of the ₹1.5 lakh. You pay the other ₹50,000. Pharmacy, implants and tests are left out of the deduction in both these plans, though your plan's normal limits still apply. A ₹10,000 upgrade cost ₹50,000. Which items the deduction applies to differs from policy to policy. Elevate also leaves ICU charges out. Neither plan applies it at hospitals that don't bill differently by room category. Always check your policy wording for the list of items where proportionate deduction applies. How to avoid it. Ask for the room tariff at admission and pick a room within your entitlement. Or choose a plan with a looser room limit. Elevate's optional Room Modifier can lift your entitlement to any room category. My Health Care Plan has the room limit as a single private AC room for ₹3 to 10 lakh sum insured, and actuals above ₹10 lakh. The numbers are an illustration. Your room entitlement is in your policy schedule. Getting the right cover, and handling the claim paperwork if it ever comes to that, is what my team does. Apply here: holisticinsurance.in This is for education only and isn't advice. Check the policy wording before buying. Insurance is subject to solicitation. Niraj Dugar | Holistic Prime Wealth | ARN-28584

Bought this cool piggy bank which has a milestone tracker to accumulate 2 lakhs. link.amazon/B05U0soMD

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I requested American Express for an upgrade offer to the charge card 3 months back. On a call. Still waiting for a response 😂

No, you are not lucky if you end up with some freebies. You settling for pennies. Manufacture your luck for the big dreams - financial freedom, big car, and your dream house, a great family, big group of supportive friends.

Why is everyone celebrating taj vouchers from Amex? Won’t they cancel if it’s erroneous ?