This Prime Day, upgrade your work setup to be truly ergonomic - a complete Guide to Office Chairs, Height Adjustable Desks, Walking Pads and more!
▲ 16 r/pFinTools+1 crossposts

This Prime Day, upgrade your work setup to be truly ergonomic - a complete Guide to Office Chairs, Height Adjustable Desks, Walking Pads and more!

Lately there have been quite a few posts asking for recommendations and reviews. Many are trying to find a good deal during the Prime Day Sales and rightly so. However, many of these posts I see people asking the wrong questions to begin with in terms of upgrading to a proper ergonomic setup, so I thought I would create a guide as a decent starting point.

What is an ergonomic work setup?

Before we begin, it is important to understand what ergonomic work setup is and why. There is no hard definition of this term but it is a setup that is designed to work with your body's natural mechanics and encourage movement so as to prevent fatigue caused by physical strain etc. The shocking part is, there's a lot of things that we have become absolutely habituated to but which cause us a lot of harm without us ever realizing it. For example, there's enough research for the experts to quote things like 'Sitting is the new smoking.'

Ergonomics is just about addressing these habits and opting for healthier choices in our day-to-day work routine. There are some primary elements to it -

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1. Height Adjustable Desks: If you want to switch to a healthier work setup, this is absolutely where you should start. While most people on this sub are looking for a chair recommendation because they work long hours, what they do not realize is that they should instead invest in a height adjustable desk and try to work standing up as much as possible.

This might sound weird to many if you are not used to the idea, but standing up promotes motion naturally and is better than any chair available in the market. Of course you can't be standing up entirely for 8-10 hrs and yes you might want to sit down from time to time, but the most basic Ikea chair is enough for this temporary resting phase before you get up again.

In addition, it is worth noting that while standing at your desk for longer durations, you can either wear some comfortable shoes or invest in a good quality standing mat to avoid strain on your feet.

If you need help picking a good height adjustable desk, you can refer to the following megathread pinned on r/ErgonomicIndia - https://www.reddit.com/r/ErgonomicIndia/comments/1npo0qt/best_height_adjustable_standing_desks_to_buy_in/

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1.1 Walking Pads: Now you can take your height adjustable desk setup further with a walking pad. Because what's better than standing while you work? Walking of course!

When looking to buy a walking pad, here are the primary things you need to look for -

a. Max Weight: Make sure your weight does not exceed this.

b. Max Speed: Anything with a top speed of 6 kmph is enough for most people unless you are extra extra tall. Remember it's a walking pad and you are not even supposed to jog on it.

c. Size: Opt for walking pads that are longer and wider for more comfort, but the larger the size, the more space it will require and the more expensive it will be.

d. Grab Bar: Many walking pads do not inherently have anything to hold on to when you are walking on it. While it is fine for most people if you are using it with a height adjustable desk as you'd be getting support from the desk, it is worthwhile to get a walking pad which has a foldable grab bar that you can hold on to, even if you ever want to use it away from your desk.

e. Foldable: There are walking pads that can fold in half the size for easy storage. Although they are typically expensive, if you definitely want to be able to stow it away when not in use or when you want to sit down, you can look into this.

Basis all these factors, here are the top walking pad recommendations, one from each major capacity -

Model Max Speed Max Load USP Price
Cockatoo Alphapad 3.0 6 kmph 110 KG Foldable Grab Bar INR 6,999
Lifelong Fit Pro 8 kmph 110 KG INR 7,199
Sparnod STH-3004N 10 kmph 90 KG Foldable Grab Bar INR 8,999
Lifelong 4.5 HP Foldable 8 kmph 110 KG Foldable design INR 10,999

Prices mentioned are as listed on Amazon and you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI. You can read more about it here.

Although this is highly recommended, it is not always feasible to have a walking pad, because taking it away from the desk (although very easy) can be a task. It also triggers some space constraints for many. So you can decide based on your commitment level.

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2. Chairs: As much as we know sitting is the biggest culprit in our setup, we cannot always incorporate a standing-focused setup due to many restrictions, not in the beginning at least. That's where getting a good chair is critical so as to alleviate some of the issues with sitting.

But chairs are very tricky. Unless you try them in person, you will never know which one best fits your exact body type. At the same time, a few minutes in the showroom can also be quite confusing and the experience might vary depending on how tired you are while going to the store. On the other hand, there are still many who do not have access to different company showrooms to try the models in many non-metro cities. So here are my top generic recommendations -

Model Price Comments
Green Soul Jupiter Pro (2026) INR 11,490 The cheapest true and reliable ergonomic chair money can buy with all the basic functions and headrest.
Godrej Greta 2.0 High Back INR 17,890 Highest quality components, not just in terms of longevity but also in terms of daily usage.
Featherlite Helix INR 29,209 Most feature packed chair in this list, the practical end game for most people.

Remember, these are just my top recommendations. It is very much possible that you like some other chair altogether, and even if it does not have a lot of fancy features but if it works for you, that is the best chair for you. This list is here only in case you do not have the option to try out these chairs before buying.

If your budget is stricter than the cheapest option mentioned in the list, remember that prices listed here are only the listed prices on amazon and you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI. Even after this, if your budget does not allow the purchase and you are facing problems with your current chair, it is better to get a custom seat cushion and back rest than a cheap chair on wheels.

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3. Monitors and Monitor Arms: Having a good monitor at the right position is critical to having a good work setup that does not strain you. Here are the things you need to look for in a monitor:

a. Size: The most obvious thing, the bigger the better but also more expensive. At the same time, do not just chase size without understanding resolution, pixel density and how much space you have.

b. Resolution (Pixel Density): This is arguably the most important aspect you need to consider. Once again, while higher resolution is always better, it comes with a significant price jump too. While it can be an entire article in itself, to choose the correct resolution for yourself, consider the screen size of your laptop (say 15inch) and its resolution (typically FHD or 1080p) and accordingly calculate the pixel density using a website like this PPI calculator. Using this as a standard, you can decide what resolution you need for your monitor considering that you can opt for slightly lower resolution as a monitor is typically farther away from you than a laptop screen.

As a generic guideline, opt for QHD for 24 inch (FHD might also work at a distance) and 27 inch. 32 inch QHD might work if it's farther away from your eyes but opt for 4k for better experience or if the monitor will be comparatively closer to you. Anything above 32 inch, must be at least 4k resolution.

c. Refresh Rate: For work setups, 60 to 120Hz refresh rate is more than enough. Since higher refresh rates typically come with a compromise in resolution, do not opt for higher refresh rates unless you are into competitive e-sports or something.

d. Display Tech: Without getting too nerdy, just remember the important headline here is that there is OLED and then there is rest of the world. While OLEDs are great and can produce perfect blacks, they are typically twice the cost of other display technologies. So if you have the money or your job requires working with accurate colors, opt for OLED displays, otherwise check the relevance of other display technologies for your work and know that the difference is not a lot.

e. Ports: Make sure the monitor has at least an HDMI port. If you want to use it with a laptop which has a thunderbolt usb c port (like a macbook), it is worth getting a monitor that supports charging as well as video streams over usb c. If you often use multiple accessories with your system and you are low on ports, look at options with a hub.

f. Other Features: Depending on where your monitor will be, it will be wise to look for options with automatic brightness control or anti reflective matt coating etc. Also check if you want your monitor to have built-in/good speakers (you can avoid it if you intend on using it with laptop with good speakers or have separate speakers for your setup).

Recommending monitors is tough due to the vast variety of ever updating models available, but the following list should give you an idea of what to look for if you are shopping for monitors primarily for office work etc -

Model Why buy Why avoid Price
Xiaomi 43inch Smart LED TV The cheapest (yet still reliable) 4K TV you can find is actually the best VFM monitor you can buy most of the times. These TVs have multiple HDMI ports that can support multiple devices at once. Remember to look for a PC mode (or something similar) in display settings to turn on prioritizing clear text at close distance. Support for Apple Airplay, Chromecast etc means you can use it as a wireless monitor. Takes a lot of space and is typically incompatible with monitor arms. So you have to place it on your desk/monitor riser which can hinder with your flow, especially if you intend to use keyboard/mouse from your laptop in front of the monitor/display. INR 23,499
Samsung 43inch 4K M7 Vision AI Smart Monitor This is basically same as above but comes branded as a monitor which means a bunch of monitor specific features like USB C, vesa mount support and a center stand to take less space on your desk. This is still a hybrid between a monitor and a smart TV. While you get some monitor specific features, which is good the premium you pay for this compared to a smart TV with exact same display tech is often hard to justify. INR 31,999
LG 27inch QHD Monitor 27U631A It makes the list for having a USB C port which ups the compatibility and future readiness of the monitor in addition to being a fantastic display. While it is a good budget conscious pick, the USB C can charge connected devices only at 15W which might not be enough for anything other than an M series Macbook Air. INR 14,199
Dell 34inch WQHD Curved Monitor S3425DW Comfortable, and top notch matte display with auto brightness adjustment and USB C. This is a wider-than-typical monitor and fits better in your natural vision, without being too wide. More expensive than other options in the same size resolution to the tune that it is a bit tough to justify the value of the premium for the added features. INR 40,449
Samsung 49inch DQHD G9 OLED monitor OLED. Curved. Glare Free. Display equivalent to dual 27 inch monitors placed side by side. The ultimate end game for most people, so much so that it will lure you to work at your desk more. While the 49inch screen is great for certain use cases, many complain of it adding extra strain from unknowingly looking to one side or the other. INR 86,999

The above list contains good yet mostly generic options as it is not customized to any one person's use case. So if you are confused between two options or have a specific budget do let me know in the comments below.

Now a monitor is useless in your ergonomic setup unless you have it setup at the correct height so that you can do your work without having to constantly look up or down much. It is equally important to have the flexibility to change that monitor height according to whether you are standing at your desk or sitting down. A good monitor arm can help you with all of this and also make sure that your desk remains clutter-free. Here are the top generic recommendations for monitor arms to give you a sense of what to look for -

Model Comments Price
amazon basics Single Monitor Arm Fixed height - only buy it if you are not going to be switching between sitting/standing or if you are sure you will not change the height of your chair or your desk too often. While not recommended, provides good wire management, decent tilt and rotation option which is better than nothing. INR 1,599
MOUNTUP Single Monitor Desk Mount Gas Spring Monitor Arm with all the features and decent wire management for displays upto 27 inch or light 32 inch monitors. INR 2,560
Jin Office Monitor Stand Heavy Duty Strongest Gas Spring Arm for peace of mind and/or heavy monitors (32 inch and above) INR 7,989
MOUNTUP Dual Monitor Arm This type of dual monitor arm is important for desks like Green Soul Trigger which have split desk top and if you want to use dual monitors as you can clamp the monitor arm at the joint of the two pieces of the desk top to prevent any bending. INR 4,406

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4. Keyboard and Other Accessories: While these do not come under generic ergonomic work setup advice, I want to share some accessories that can make your work setup way more inviting and improve your productivity. After all the healthiest work setup is the one that makes you happy and helps you get the work done quickest.

Category Model Comments Price
Keyboard/Mouse Logitech Pebble Keys 2 K380s / Logitech Pebble Mouse 2 M350s Underrated yet aesthetically pleasing high quality Keyboard and Mouse with multi (3) device support in a slim profile. INR 3,195 / INR 1,495
Trackpad Apple Magic Trackpad If you are someone like me and are addicted to the macbook's trackpad for the most precise works, the apple magic trackpad is a non-negotiable for a laptop free setup. INR 12,500
Wire Management Robustt Wire Sleeve with Zipper One of the first most prominent things my friends complain about with height adjustable desks is the hanging wires to cater to varying heights. While this sleeve does not solve it entirely, it is the most visually appealing solution. INR 298
Monitor Accessory BenQ ScreenBar Pro Monitor Light Bar If your eyes get fatigued looking at the monitor for long hours for whatever reason, you need to try the BenQ ScreenBar right away as it makes a world of difference and can help boost your productivity greatly. INR 12,988
Webcam Lenovo 510 FHD Webcam Your laptop might have a very good webcam but as long as it is sitting on the desk, the angle of the camera is something that every management 101 course warns about. If you have the budget, consider investing in a good webcam that can sit on top of your monitor and frame you well. As an added advantage, the Lenovo 510 has support of Windows Hello, making logging into your system that much easier. INR 5,498

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I have tried to cover all the bases but I am sure I would have missed a lot. Partly to keep the post short-er-ish and partly because I am sure your experiences would have led to a lot more insights that maybe I missed. So please use the comments section to share your experiences and tips.

Remember, the prices quoted here are listed prices from Amazon Prime Day Sales. The prices will of course vary, especially once the sale ends but you can still rely on this post for recommendations and things to consider. Whenever you want to buy anything, you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI.

You can read more on how pFinTools can help you save money while shopping online by checking out this post from r/pFinTools - https://www.reddit.com/r/pFinTools/s/42Iu4BaJBy

u/LatterOne9009 — 6 hours ago

This is the extent to which people use reddit to manipulate things and why the mods have to be extra alert for any sort of miscreants!

People feel bad when we remove content targeting brands because hate sells easily and it's always fun to bitch about authority. What most don't understand is the very obvious pattern in people's activities and the pattern in abuses and threats we get in modmail on banning accounts that seem to have similar agenda.

Once again, r/ErgonomicIndia does not have any affiliation with any brand. We just strive to create a trustable sub where everyone has room to voice their opinions respectfully - be it complaints or appreciation about any brand/any product.

u/LatterOne9009 — 4 days ago
▲ 0 r/pFinTools+1 crossposts

Selling new Macbook Air M5 for 1.2L as I couldn't claim GST on it.

Hi, so I bought the base variant of 16/512 M5 macbook air from flipkart but my CA told me that I cannot claim the GST on it because the bill doesn't have my firm's GST number on it. Market price for the product is 1.5L. It is in mint condition and was opened only for the open box delivery.

Colour: Midnight Black

Price: ₹1.20L (non negotiable)

Location: Delhi/Dehradun/Roorkee/Saharanpur

u/LatterOne9009 — 4 days ago

You! Yes You! And You! YOU ALL BOW TO ME NOW! MUAHAHAHAHAHAHAHAHA

well not the homies who already have this

ordered this like 2 months back and I am soooo rich now!

u/LatterOne9009 — 11 days ago

Giveaway Alert - 1x Fitpass Pro 6 months Membership and 1x Amazon Prime Annual Subscription worth 1500! Conditions below!

To commemorate 10k members on r/pFinTools, we are announcing the following giveaways -

  1. Fitpass Pro 6 months Membership - graciously donated by a redditor who got their BoBCard Eterna Credit Card from pFinTools.com/get-cc
  2. Annual Amazon Prime Membership worth INR 1500 - just in time for the Amazon Prime Day Sales

How to participate in the giveaway -

1.Join r/pFinTools (more giveaways to come in the future)

  1. Download and try the pFinTools Shopping Assistant Browser Extension for your preferred browser from the following links and rate the extension in the respective extension stores (like Chrome Web Store):

> For Microsoft Edge - https://microsoftedge.microsoft.com/addons/detail/credit-card-emino-cost-e/dheecdanokjfmpllkebcnpofidehcodb

> For Google Chrome or any other Chromium based Browser like Opera - https://chromewebstore.google.com/detail/pfintoolscom-credit-card/jnapejkpdpoacdgankigcbaekfgpkfcb

> For Mozilla Firefox - https://addons.mozilla.org/en-US/firefox/addon/pfintools/

  1. Drop a comment on this post with any genuine suggestion/feedback/comment you might have about any of our product/services and your general experience with it. Go to pFinTools.com or check the pinned comment to see all our products.

  2. Share this giveaway with your friends. Each friend that you share must mention in their comment that they heard about the giveaway from you.

In the same comment or comment thread, add which of the giveaways you are trying to enter (Fitpass Pro or Amazon Prime), as well as the image proof of reviews posted for the pFinTools Shopping Assistant Browser Extension as well.

Basis of giveaway -

Your comment with the necessary details will be critical to consider your participation in this giveaway and the winners will be declared at the end of this month. All tasks mentioned above are not necessarily mandatory to enter the giveaway (except for task 3) but the tasks will have the following weight for digital weighed lottery tool to pick winners:

Task 1 -> 5 points

Task 2 -> 2 points for each download and review. Feel free to download and review on multiple browsers/devices/accounts as long as the reviews are genuine.

Task 3 -> Upto 10 points for the helpfulness/genuinity of your suggestion/feedback/experience with pFinTools that you share in your comment

Task 4 -> For every friend you share, you get 8 points and your friend also gets 5 points.

Bonus Points -> On the last date of decision, we will consider all participants' community karma points (net total number of upvotes received on your posts/comments on r/pFinTools) and you will get 1/5th of your community karma points as bonus, upto 15 points.

Eg - You have 60 community karma points, you will get 12 bonus points.

Posts/comments made after this post/today will also be considered for bonus points. Since we are planning more such giveaways in the future, all your activities on this sub will be considered for future giveaways as well.

_________________________________

Ofcourse mods are not eligible for the giveaway.

Let me know if you have any more questions around this or if I missed to clarify anything. If you are new here, please refer to the sidebar or the pinned posts to see what this sub and pFinTools is all about and Good luck!

reddit.com
u/LatterOne9009 — 12 days ago

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided
  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.
  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.
  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?
  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.
  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.
  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

Original post with images - https://www.reddit.com/r/SchengenVisa/comments/1u5qsbb/help_with_court_case_against_tourist_visa_denial/

reddit.com
u/LatterOne9009 — 21 days ago

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided
  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.
  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.
  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?
  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.
  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.
  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

Original post with images - https://www.reddit.com/r/SchengenVisa/comments/1u5qsbb/help_with_court_case_against_tourist_visa_denial/

reddit.com
u/LatterOne9009 — 21 days ago
▲ 0 r/AskNetherlands+2 crossposts

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided

  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.

Trip Itinerary

  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.

Snapshot from my cover letter

  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

Here is the actual text of the decision on my objection translated to English using Google Translate -

https://preview.redd.it/krh24obs1a7h1.jpg?width=596&format=pjpg&auto=webp&s=6225219591d44d7d23744368e64e7297f3b9b358

https://preview.redd.it/d347abkv1a7h1.jpg?width=596&format=pjpg&auto=webp&s=d99d146b7405529005562f76b6df0d4523f35213

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?

  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.

  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.

  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

reddit.com
u/LatterOne9009 — 21 days ago

Let's do some Featherlite bashing!

Off late, there have been too many posts and comments supposedly upset with this sub's moderation because apparently Featherlite is paying us to promote their brand. They are not!

To make things worse, after my last post appealing for no mudslinging - this has gotten worse. Our last post got minimal engagement and two comments from only one person trying to manipulate conversation - who we then banned as their intention became clearer than day through their own activity. The reason behind the last post was allegations against another brand (not featherlite), which upon investigating, we found were not true. Just to be clear we don't even like that other brand very much, but we are not here to impose my views.

Yet even after the last post - not one reported comment/post. Meanwhile posts complaining about featherlite/mods/this sub are getting the max views on the sub with bunch of shares - almost like someone is sharing it to manipulate conversation!

We have a pretty good sense of the "startup" behind these smear campaigns. But the thing is the general audience of this sub might not understand this, and does not have the tools like the mod tools to judge who is doing what. We wanted to impose stricter moderation rules like requiring certain account age and karma requirements but we have decided against it so as to not exclude genuine people from participating in this sub. Besides, it seems like the manipulators are buying old accounts with nothing but karma farming content and then posting here.

We wish there was a way to share the details of this with the sub but there isn't any without making this sub even more toxic than some of these comments have made. Plus mods are not gods.

So for the rest of this month, let's use this thread for all the featherlite complaints and bashing and let the truth come out! But there are some conditions to it -

1. Every comment needs to have a picture/proof of the issue, including how you tried contacting their customer support and they did not respond. Without proof posts will be removed

2. We will remove any major featherlite bashing post from the main feed with a comment asking folks to post here, so that we have good idea of how many complaints are there.

3. If you feel like the mods removed anything where you were being critical of featherlite, do share that as well and we will explain why that was removed if an explanation was not provided already. Just to be clear, till like a week ago (pre smear campaign), we did not remove a single post/comment being critical of any brand unless it was the founder of a startup saying - try my startup - without disclosing that it is his startup.

4. Avoid AI. We won't necessarily remove your comment for this but this is about finding genuinity. Nobody cares if you english is bad, but at least put in the effort to write a proper complaint if your experience was that bad!

So here's your chance. Go nuts! If there's any issues in attaching any pictures, let us know or use a service like https://imgur.com/

Just to clarify the reason behind this - Featherlite is not paying us anything. Featherlite also does not seem to have active people manipulating conversation even if featherlite's employees do post on this sub too - conducting AMAs and offering help disclosing that they are from featherlite. According to their website, 97% of their business is B2B and they are probably India's largest manufacturers of Office/Ergonomic Furniture. Featherlite as a company is so big that they are also in the Real Estate business, so they really don't need to boost their D2C furniture business all that much. Net net, they really don't need to manipulate a reddit sub for business.

On the other hand, there are a bunch of "startups" who are revolutionizing this space in a D2C business model. How? Through elaborate marketing and using fancy buzz words to describe white labeled generic chairs that they sell for extreme markup. And actually a smear campaign by these brands, can definitely mean a lot of business for their brands.

As for the mods, we use chairs from Featherlite and Ikea currently. We have also used many other chairs in the past at home/work and we recommend specific products from featherlite, greensoul, godrej, lifelong, sparnod, jin office and many more. And it is the specific products we recommend rather than any brand!

PS - We'll maintain this sub only for June 2026 in the hopes that the bad actors (if any) would be identified by then and after that we can go back to normal posts. The mods really don't care which brands you bash, as long as you are a genuine user and just the bashing posts do not steal all the engagement from other posts.

u/LatterOne9009 — 1 month ago

Community Update from ModTeam

Hi chat, within a year or so of becoming active r/ErgonomicIndia has over 8.5k members and more importantly over 22k weekly visitors! We are glad we were able to create a space that became a hub for Ergonomic Furniture, something that many of us interact with most of our waking hours. We are glad that through this sub more and more people are learning, becoming aware about Ergonomics and making healthier life choices.

As a growing sub and in line with some personal ethos, we have strived to keep this sub as open as possible so that it's an inclusive experience for everyone. We believe that this has worked well for the sub and the discussions but we also recognize that we are now reaching a point where quantity of posts is definitely overtaking the quality of conversation. Off late, the sub has become an echo chamber and many have even tried to misuse/misguide people using this.

Believe me, the mods have been doing a lot behind the scenes to maintain the sub as much as possible, we can never do this without your help. What we are seeking help from you is two pronged -

  1. Please don't create low effort posts/comments. While the whole point is to share your views, do not push your experience onto others in an absolute sense without very good reason. Basically - no mud slinging please!

  2. If you see anyone not following the above mentioned rule, please report the content rather than engaging with them further. Mods have sufficient tools at their disposal to verify whether a person has otherwise vested interests or a person is just sharing what they believe is correct.

It is demotivating that while we see far too many people disapproving of seeming popular views by members of the sub and suspecting everything to have some malicious ulterior motive, we literally have had just one reported comment till date - and we could see that some brand representative has reported that content to remove a negative review. Even in that case, we investigated and found the content from the profile was just limited to sharing that bad experience - presented in a way which was contrary to the company's policy, and we asked them to show proof of that bad experience. If we get the proof then fine, we might even highlight it a bit as restitution to the user of sorts, but otherwise that user will definitely not be allowed to push the propaganda further.

In the end, the mods are proud to have created a sub which has put ergonomic furniture in considerable limelight, and you the members of the community should feel equally proud to have been contributors to it. As we further grow, we will be implementing more frameworks and rules to help keep this sub useful for more and more folks. Hopefully, we can make this an inclusive place where we can learn from each other's experiences and as a community demand better from various stakeholders in the industry.

reddit.com
u/LatterOne9009 — 1 month ago

Credit Score does not mean nearly as much as most people think! Here is what it is and what it isn't

TL;DR - Focus on making more money and assets in life, rather than obsessing over your credit score.

There are far too many posts on the internet today of both people bragging about their credit score and far too many posts about people concerned about a hit to their credit score if they do something like close a paid credit card that they do not need anyways. I also get a lot of DMs from people asking me whether they would get a Credit Card from pFinTools.com/get-cc if their Credit Score is x or y.

Here's the headline - Your Credit Score does not matter nearly as much as you think! Focus on making more money and assets in life, rather than building a credit score. That happens through prudent, informed financial choices rather than worrying about a temporary hit to your credit score or locking up your money in an FD just to get a Credit Card which might not have any advantage, because guess what - all changes to your credit score are temporary!

Now before you downvote this post, let me clarify - your Credit Report matters way more than your Credit Score, specially as more and more processes become digital and use AI for faster pattern detection etc. Credit Score is just a summary of that Credit Report on the day that you check it. But even your Credit Report is only an indicator of your credit worthiness, and one of the last things that will be checked before giving you Credit.

The most your Credit Score will be used for, is to determine the rate of interest for any loan (like Home Loan/Car Loan/Personal Loan or Loan against Property etc) you might take. But whether you are eligible for that loan or not will entirely depend on what's your income and what sorts of assets you own and what liabilities you have.

Since Credit Score is temporary, the only time to worry about your Credit Score is probably 6 months to a year before you need to take out a major loan like a Home Loan or Car Loan. Even in that, if you are someone who pays all their Credit Card Bills and EMIs on time, the difference between a very good credit score vs a not so good score would not be of more than 0.1% to 0.2%, which is not all that significant for a non business loan, if are also someone who invests their money prudentially.

Similarly, when you apply for a Credit Card, depending on the channel, your application can be totally online with minimal documentation and fast conviction in minutes. If you have ever applied to any Credit Card through pFinTools, you would know this. Here too, rather than looking at just your Credit Score, the issuer's system looks at your Credit Report and is able to frame your risk profile instantly and also assess whether the details you have entered in your profile are correct or not, to instantly reach a conviction. So while applying through pFinTools.com/get-cc might give you a boost of using a qualified channel for application, specially if you do not have existing relations with the bank, and they might relax their checks by a bit to acquire new customer, they very well might reject you basis their evaluation still.

Let's look at the top factors that affect your Credit Score -

  • Payment History - Pretty self explanatory, if you pay all your dues on time your Credit Score goes up and every prospective lender also loves you.
  • Credit Mix - Now if you have various types of active loans, your Credit Score will go up but your lender might not be a fan. The lender might deny your application if your existing liabilities are a big proportion of your income or the lender might increase your Interest Rate to factor in the higher risk. BTW, the core idea here is that the more types of loans you have to service, the more established in life you are. This is irrelevant in the age of AI and layoffs and one of the more controversial factors contributing to your Credit Score in the modern age.
  • Credit Utilization - How much of the sanctioned amount you owe to existing lenders. The lower the better. While everyone recommends you to keep your overall Credit Utilization under 30% to preserve your Credit Score, the fact is it is way more complicated than that. If you are someone whose typical Credit Utilization is under 3%, if you even use 5% of your overall Credit Limit in some month for a big purchase, even that can dent your Credit Score, sometimes enough that you might be sanctioned a loan at higher interest rate. Imagine, you buy a vehicle using Credit Card because it was 10% cheaper on Credit Card Payment, and then you want to take a home loan worth 1cr, you get increased interest rate for good 20-30 years! You might have done everything right to have a good credit score and it would simply not matter. And if you think postponing that home purchase by a few months is an option - it's not as it can become unavailable anytime or the price might go up by more than what your better Credit Score could save over 30 years.
  • Credit Age - The average of all your Credit Accounts. Higher your Credit Age, higher will be your Credit Score - the idea is, you have been doing this for a long time and you are not new to Credit Products. Makes sense, until you realize that any new Credit Account can impact this. So you have a good Credit Score so that you can buy Credit, you buy Credit that you planned for, your Credit Score goes down. Maybe fair because this was lenders can know you are not taking too many new loans where you have not proven your Credibility. But the banger is when you realize that your Credit Age goes down even if you close any Credit Card/Loan Account. Many people hold on to their useless initial Credit Cards, even if there's an annual fees for this very reason. Also if you pay off (on schedule or prepay) your home loan in full without ever missing an installment, it still dents your Credit Age and thereby your Credit Score. If that was not bad, you don't know when the effect of these closed accounts will reflect in your Credit Score because many times these accounts are preserved in your Credit Report for upto 10 years or so.
  • New Enquiries - This is a record of how many and what types of new Credit you have applied for such that lenders have enquired about your Credit Report (hard enquiry). This is relevant because if you have been applying for too many loans lately, it's a sign of desperation. Your Credit Score and lenders both agree here too. But I think it is ironic that having too many credit enquiries is considered bad but having a good Credit Mix is considered good without ever considering how leveraged that makes you. Anyways.

Those were the top things that People know affects their Credit Score. But actually your Credit Report has a lot more, which may or may not have an effect on your Credit Score but is definitely something that lenders will check to assess your risk Profile. This includes your work and personal emails, your work and personal contact numbers, your work and personal addresses and it's ownership status along with the dates when they were reported. Too many contact info or addresses can reflect an immature profile.

So what exactly should you do - should you just forget that Credit Score is even a thing?

No not really. Instead do the following -

  • Get one Credit Card early in Life, maybe more if that helps you save more on your spends. Honestly, as early as possible. This will give you a Credit Score, which is better than having no Credit Score. As long as you make sure that you always pay all your bills on time, no matter what, you don't need to worry about your Credit Score.
  • Having multiple Credit Cards (or personal loans that are sanctioned in your name but never disbursed) early gives you the flexibility to close the ones you don't want without worrying about how it will affect your Credit Age. If someone starts their Credit Journey in College, they will be better than someone who starts their Credit Journey after graduating from College anyways, hence the added flexibility. And seriously close the useless Credit Cards, rather than maintaining it unnecessarily and prolly paying it's fees too all in the name of preserving your Credit Score!
  • Remember to never give fake information in your profile. This is the easiest yet, the most important piece if you want a good Credit Score. In the modern age, if you lie on any application, the Credit Bureau can very easily detect it and your Credit Score would be stuck below a certain level no matter how prudent you are with your Repayments and Credit Utilization etc.
  • And in the end, stop obsessing over your Credit Score! Most of the times it either does not matter or even when it does, it is not really under your control. Nobody knows the exact formula for Credit Score calculation ever. If you rather focus on honestly building assets and income, a good credit report and hence a good credit score will always follow!

Credit is probably one of the biggest financial innovation, right up there with Insurance. Use it prudently to improve the quality of your life, and then enjoy that life rather than obsessing over it and forcing yourself to do things that you don't want to do.

The purpose of this post was to create a mega thread of sorts to redirect people to, when they unnecessarily worry about Credit Score, which is almost always. I get that one random post on the internet will not just change your attitude about Credit Score and this post might rather raise more questions in your mind instead. So definitely put all your questions in the comments and let's make this a conversation that can help the next generation of Credit Consumer make good personal finance decisions.

Do share this link with someone who you think frets too much about Credit Score!

reddit.com
u/LatterOne9009 — 1 month ago

Where do I go to in Hong Kong if I am interested in making my own electronic gadgets? Interested in exploring contract manufacturing as well as component manufacturers.

Hi, I have some ideas about some electronic accessories that I would like to manufacture and sell. I believe I have the seed money to start the operations but I have no experience in this field.

It just so happened that I had a trip to Hong Kong planned and I will be visiting in couple of days. Now from googling what I understood is that Schenzen is way more relevant for this than Hong Kong but at present I do not have a China visa and hence I want to make the most of this trip. Even if I am able to get a basic understanding of the process and be able to produce some prototypes, I will consider this trip to be a success.

I will be in Hong Kong for couple of weeks. Can someone please help me understand where I should start? Any help will be much appreciated.

reddit.com
u/LatterOne9009 — 1 month ago
▲ 1 r/Macau

As an international tourist visiting HK for couple of weeks, what's the best way to visit Macau?

  1. Is there any free option to travel from HK to Macau? I keep seeing a lot of content on social media about free bus/ferry from HK to Macau but when I go on TurboJet's website for this, under the MGTO offer I only have the free option from HK International Airport to Macau. I think that is for people who are going directly to Macau without entering HK but I want to check in to my hotel in HK and then later go to Macau. Please let me know if I am missing something here or how to avail the free ferry/bus.

  2. What is the best time to visit? I am thinking to leave from HK for Macau on Friday morning. Being a weekday hopefully it will be a bit less crowded and then Friday night being start of the weekend should be happening, party vibes. Stay overnight in a casino hotel and then return to HK on Saturday, after we have covered everything in Macau or depending on how we are feeling about the weekend. Is my thought process correct or any recommendations that you have?

  3. In case the free ferry/bus service is not available, what is the next most efficient travel option?

reddit.com
u/LatterOne9009 — 1 month ago

Where do I go to in Hong Kong if I am interested in making my own electronic gadgets? Interested in exploring contract manufacturing as well as component manufacturers.

Hi, I have some ideas about some electronic accessories that I would like to manufacture and sell. I believe I have the seed money to start the operations but I have no experience in this field.

It just so happened that I had a trip to Hong Kong planned and I will be visiting in couple of days. Now from googling what I understood is that Schenzen is way more relevant for this than Hong Kong but at present I do not have a China visa and hence I want to make the most of this trip. Even if I am able to get a basic understanding of the process and be able to produce some prototypes, I will consider this trip to be a success.

I will be in Hong Kong for couple of weeks. Can someone please help me understand where I should start? Any help will be much appreciated.

reddit.com
u/LatterOne9009 — 1 month ago

Where do I go to in Hong Kong if I am interested in making my own electronic gadgets? Interested in exploring contract manufacturing as well as component manufacturers.

Hi, I have some ideas about some electronic accessories that I would like to manufacture and sell. I believe I have the seed money to start the operations but I have no experience in this field.

It just so happened that I had a trip to Hong Kong planned and I will be visiting in couple of days. Now from googling what I understood is that Schenzen is way more relevant for this than Hong Kong but at present I do not have a China visa and hence I want to make the most of this trip. Even if I am able to get a basic understanding of the process and be able to produce some prototypes, I will consider this trip to be a success.

I will be in Hong Kong for couple of weeks. Can someone please help me understand where I should start? Any help will be much appreciated.

reddit.com
u/LatterOne9009 — 1 month ago

Another finfluencer featured the pFinTools Shopping Assistant Browser Extension that shows you the real cost of no cost EMIs in a few clicks on her channel - this time in Telugu! Links in comments

Source: https://www.youtube.com/shorts/ZwQjeQRfW0k or https://www.instagram.com/p/DYPLJx2RF1e/

We have been featured over a dozen times in the media in different languages. You can check it out in the comments of this megathread - https://www.reddit.com/r/pFinTools/comments/1i1sax1/pfintools_in_the_news/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

Do note that while we are extremely grateful to the creators who see value in our products, we never approach any influencer to make content about us. All these shoutouts are absolutely voluntary by the creator, so much so that we do not even know that someone has made a video about us until it randomly pops up in our feed/inbox through some social connection. We are sure there still might be a bunch of shoutouts that we do not know about and we are offering a gift card of Rs 500 for any coverage about pFinTools.com that we might not know about.

More details about the browser extension at pFinTools.com/shopping-assistant or if you are on a mobile device, you can check the real cost of No Cost EMI and any Credit Card EMI at pFinTools.com/NCE-Cal

u/LatterOne9009 — 1 month ago
▲ 33 r/HealthInsuranceIndia+4 crossposts

Experience of getting 100% cover (including lens, goggles etc) in Cataract Surgery with multifocal lens from HDFC Ergo Health Insurance

Disclaimer - This is an extremely long post. It might not be very entertaining but I hope it will serve as a guide to anyone who has to go through any similar claim experience.

Last year, someone close to me was diagnosed with Cataract and the surgery was scheduled for first week of December 2025. Patient had HDFC Ergo Optima Restore bought through Policybazaar and the insurance was going on uninterrupted for 6-7 years at least.

Before the surgery, we tried raising for a pre-approval through Policybazaar and even reaching them was a big pain due to incorrect phone number in their records, even though the number in insurance was correct. The number provided in the insurance policy was the only correct number and policybazaar also called on the same number every year to spam about renewal. Once this was finally corrected, they outright stated that only Indian monofocal lens is covered under insurance and multifocal lens will not be covered. They did not provide any real clarification on this despite many questions on what will happen if we get multifocal lens nonetheless as per doctor's recommendation.

This is when I took this up and asked the person to proceed with the surgery as per doctor's recommendation as it was the most important thing. I explained that a cataract surgery is not something which might cause a financial emergency, and while insurance is good to have, insurance should not dictate the medical care. Meanwhile I researched about cataract surgery in the health insurance policy and here were the key findings -

  1. The HDFC Ergo Optima Restore Policy Wordings had no adverse mention of cataract. It was mentioned only once and that too to indicate that there wasn't any waiting period (to the best of my memory).

  2. I also got to know that IRDAI mandates all Insurance Providers to cover basic Indian Monofocal lens in cataract surgery. This means that no insurance provider can deny this level of coverage but this does not mean that an insurance provider cannot enhance this to multifocal.

  3. I also saw multiple accounts of people claiming online that they got 100% cover even for multifocal lens but didn't provide much details about it. This is what motivated this post.

The surgery was scheduled for the first week of December 2025 at an out of network hospital, so everything had to be paid upfront. The total cost including the post surgery goggles came out to ~80k. We filed the claim in third week of December 2025 after initial recovery and rest was done. We filed for the entire amount of the claim attaching all the papers and within a week the claim was settled. In the claim, they deducted about INR 1000 for things like Cataract Sx kit, wet wipes etc (which is standard) but they deducted 20% from the cost of implant (lens) with the remark - "not in accordance with established cost of care". The implant cost itselft was about 41k so over 8k was deducted here, and they transferred around 70k to the policy holder's account. Here's the exact breakdown of the claim -

https://preview.redd.it/vxhybj5scw2h1.png?width=598&format=png&auto=webp&s=97aa42d7111cd8f82250956507c3d391bb59b737

On Dec 30 I sent the first mail on behalf of the patient to dispute the deduction. Note that I sent this email to seniorcitizen@hdfcergo.com, which is supposed to be a channel specially for senior citizens to get quick solutions (remember this for when they start responding with factual lies) -

https://preview.redd.it/l2tw5d3lew2h1.png?width=1518&format=png&auto=webp&s=16cd7a5e440b6b04e5ab0dd98999e300640785e7

Here is the email thread that followed -

https://preview.redd.it/bh7q8xj3iw2h1.png?width=1520&format=png&auto=webp&s=365420cb6827644add1603e6ae3d3c791de2af32

So the support executive quoted this definition 42 of the policy wordings twice, I decided to actually check exactly what it was. Here is definition 42 from the policy wordings -

https://preview.redd.it/sopxktnuiw2h1.png?width=585&format=png&auto=webp&s=517d8fad244ff5be430da3fb9536c79dbc86415f

So a male patient was being denied a claim citing a particular clause that is related to the definition of a new born baby in policy holder's policy wordings! Till now no other document or proof has been requested from HDFC despite offering the same multiple times.

At this point, I escalated the grievance to cgo@hdfcergo.com -

https://preview.redd.it/5lqpk8h8kw2h1.png?width=1517&format=png&auto=webp&s=cadc94c584dde31cf3a7a87e5fb2dc2a15ba0267

Finally a doctor from their team responded and asked for couple of documents, which I believed I had already submitted -

https://preview.redd.it/a23vzvnukw2h1.png?width=1515&format=png&auto=webp&s=cdbb1522396adfe31a3dd7ae258c8ac3fb01cf53

https://preview.redd.it/lac3v2jgnw2h1.png?width=1523&format=png&auto=webp&s=eec9c8d2f7b5970d76f7c128593fddaba5904830

I had to attach the doctor's justification for multifocal lens multiple times but in the end the additional claim was also settled after a month from the original settlement -

https://preview.redd.it/yktk2tv1mw2h1.png?width=1525&format=png&auto=webp&s=b6ccb569b268582bfc146ad83b576f87d8b7c34f

In summary the grievance went from policy holder being quoted an irrelevant clause in the policy to being asked for additional documentation which led to 100% claim, as soon as the grievance was escalated to chief grievance officer with threats of escalation to IRDAI ombudsman.

Here's my learnings from this entire episode -

  1. Your agent or intermediary like policybazaar are mostly irrelevant. They will mostly disappear after selling you the policy not to reappear till renewal and they will surely never fight for you beyond filing the most standard claim form. I am unable to find the exact mention of this but certain levels of escalation needs to be done by the claimant only, and any intermediary does not have the authority for it, although they can still assist you with it. But unless you have the knowledge of what's what, you wouldn't press the agent for it and they will definitely not do the needful. In most instances, the agents themselves wouldn't even have the knowledge of what's what.

  2. Do not be scared of seemingly legal language. In my case, the definition which was quoted to justify the deduction turned out to be completely false. Even if the cited clause was accurate, it was still problematic that the initial grievance officer did not give the claimant any chance to explain. When you get your policy, read it thoroughly and take help from internet to understand every single thing in the policy wordings, trust me it's not rocket science. Also know that if anything is not explicitly mentioned, it is open to interpretation and you have the advantage in any dispute raising from such cases.

  3. I advised the policy holder to continue with the same policy as overall it is a good option for him at present given the conditions. Far too many people buy an insurance trusting some agent, never read the policy documents and then their claim gets denied, so they straight away change their insurance provider thinking that the new plan will cover what they were not covered for. This is not exactly the best route to take. Maybe the new insurance covers that old disease/instance but it might have 10 other shortcomings and you just signed up for new surprises. In addition to understanding your policy, understanding why you actually need insurance is also key to make the correct judgements.

There is a lot more to share from this (and other) experience(s). But this post is super long as is. Please feel free to ask any and all questions you might have in the comments down below such that it adds to the conversation.

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u/LatterOne9009 — 1 month ago

List of all cards supported by Samsung Pay and Google Pay for Tap & Pay in India

Many people are often confused as to why Samsung Pay or Google Pay wouldn’t let them add their cards for tap & pay. The reason is that not all banks are supported - but it’s not just a bank level filter either. There are also filters based on card network and whether the card is a Debit Card or a Credit Card. Unfortunately in India, people don’t use Tap & Pay too much and hence this list is very sparse. Screenshots as of today and up to date list can be found on Samsung Pay/Google Pay websites if you are seeing this post in the future.

u/LatterOne9009 — 2 months ago