Title: How old are you, and do people still think video games are just for kids?

I'm in my 20s, and my parents constantly tell me:

>

They genuinely believe that only children play games, and that adults should have completely moved on from them.

I keep trying to explain that gaming is just another hobby, like watching movies, playing sports, or reading books, but they don't really buy it.

I'm curious:

• How old are you?
• Do your parents or family have the same opinion?
• If so, did their view ever change?

Would love to hear your experiences.

2 years ago poured money into stocks and etf and approx 24% interest cost of 2 years and return only 10% what is this. Is this common or need to give investment more time. 🥲

AMA: Fold8 Ultra, Fold8 & (soon) Flip8 — Got early hands-on before launch 👀

Got my hands on the new devices early as one of the perks of being a Samsung partner.

Here are my first impressions:

Fold8

• The biggest thing I noticed is the new display ratio. It feels much more natural for media consumption compared to previous Folds.
• I got the Lavender color. The name might sound a bit feminine, but in person it's honestly one of the nicest smartphone colors I've ever seen. Definitely my favorite Samsung color so far.
• The crease is the real surprise. I genuinely had to look for it. It feels almost non-existent when using the phone. Huge improvement over the Fold7.

Fold8 Ultra

• I have the Violet Shadow color. Looks premium, although it's a bit of a fingerprint magnet.
• The crease is also significantly improved over the Fold7. You can still feel it slightly, but it's nowhere near as noticeable as last year's model.
• The phone is insanely thin. Check the USB-C port photo—the port almost fills the entire thickness of the device. If Samsung had made it even 0.5 mm thinner, I honestly don't think a USB-C port would've fit. I think we're reaching the physical limit of how thin foldables can get.

Flip8
Mine should arrive in the next 2–3 days, so I'll update this post once I've spent some time with it. From what I've seen so far, it seems pretty similar to the Flip7, so I'm not expecting anything groundbreaking.

Happy to answer any questions—AMA.

FOR SALE Sony PS5 Slim Digital Combo | DualSense + WF-C700N

🎮 Sony PS5 Slim Digital – ₹49,990 (Available only as part of the combo. Not sold separately.)

🎮 Sony PS5 DualSense Wireless Controller – ₹6,390

🎧 Sony WF-C700N Wireless Earbuds – ₹12,990

💰 Total Value: ₹69,370

⚠️ Please Note: The PS5 Slim Digital is available only when purchased as part of the combo. It is not available for individual sale. The DualSense Controller and WF-C700N Earbuds can be purchased separately at discounted price.

✅ Brand New & Factory Sealed

✅ GST Bill Available

🚚 Shipping Available Across India

❌ No Bargaining. Fixed Price.

📩 Message only if you're genuinely interested. Serious buyers only.

PRICE: 69370 INR

FOR SALE Sony PS5 Slim Digital Combo | DualSense + WF-C700N

🎮 Sony PS5 Slim Digital – ₹49,990 (Available only as part of the combo. Not sold separately.)

🎮 Sony PS5 DualSense Wireless Controller – ₹6,390

🎧 Sony WF-C700N Wireless Earbuds – ₹12,990

💰 Total Value: ₹69,370

⚠️ Please Note: The PS5 Slim Digital is available only when purchased as part of the combo. It is not available for individual sale. The DualSense Controller and WF-C700N Earbuds can be purchased separately at discounted price.

✅ Brand New & Factory Sealed
✅ GST Bill Available
🚚 Shipping Available Across India

❌ No Bargaining. Fixed Price.

📩 Message only if you're genuinely interested. Serious buyers only.

PRICE: 69370 INR

Ps5 digital 50k

Controller 6.4k

Sony wf-700n earbuds 13k

Total hole in pocket- 70k 🥲

Pls someone buy the controller and buds

Bhaut Kharche hogya 😅

# Personal gold coin flip (bought & sold within days) — STCG or business income? GST since I'm already registered for an unrelated business?

**Background:**

• Sole proprietor of a GST-registered business trading in FMCG goods (Delhi).

- On 29 June 2026, bought a 24K gold coin from a jeweller for ₹1,45,000 — in my personal name, NOT through the firm. The invoice is a plain B2C bill (no GSTIN on it, since I didn't buy it as the business).

- Planning to sell it to a bullion dealer around 2 July 2026 for approx. ₹1,46,000 (~₹1,000 profit).

- Intention was to make a quick short-term profit. May repeat this kind of transaction if it works out.

**Q1 — Income tax:** Given the 3-day holding period and the explicit profit motive, is this a Short-Term Capital Gain, or does it get recharacterized as business income / "adventure in the nature of trade" under the Income-tax Act, 2025? Does merely *stating* an intent to possibly repeat this hurt the STCG position even for this first, isolated transaction?

**Q2 — GST:** Can the department argue this is a "supply in the course or furtherance of business" purely because I already hold a GSTIN (for an unrelated FMCG business), and demand 3% GST on the ₹1,46,000 sale value, plus interest and penalty? Section 2(17)(c) of the CGST Act says "business" includes an adventure-type activity "whether or not there is volume, frequency, continuity or regularity" — does that mean even one transaction like this could count, regardless of it being a one-off?

**Q3:** Does buying personally (not through the firm), not recording it in the firm's books, and not claiming any ITC strengthen the "personal transaction" argument? Or does the explicit profit motive + stated plan to repeat override the paperwork regardless?

**Q4 — going forward:** I'm considering adding bullion/precious metal trading as a declared business line on my existing GST registration. Once I do, sales would clearly attract output GST. But jewellers/bullion sellers only issue B2C bills by default — no GSTIN on the invoice — so I can't claim ITC on the purchase side. That means I'd effectively pay GST twice (once embedded in the jeweller's price, again on my full output) with nothing to net against.

- Does the Rule 32(5) margin scheme (GST only on margin, for dealers in second-hand goods) apply to a coin that's bought fresh and resold within days — or does it need to have actually been used/pre-owned for that scheme to apply?

**What I'm trying to nail down:** the legally correct and practically safest way to (a) report the 29 June/2 July transaction specifically, and (b) structure this properly if I keep doing it going forward.

Appreciate any pointers from CAs/practitioners here — happy to share more specifics if useful.

My Cards Stack Explained

PNB Luxury RuPay EKAA

• Sweet welcome bonus: 50k points on ₹2L spend.
• ₹2.5L first year fee waiver, effectively making it around a 5% card up to that spend.
• ₹5L milestone + ₹8L fee waiver works out to roughly a 2.875% return on ₹8L annual spend.
• Easily my best UPI card.

ICICI Cards

Emeralde Private Metal (EPM)

• Voucher machine.
• ₹10L milestone.
• Delhi Encalm Privé + Mumbai Adani Silver lounge access.

Times Black

• Pure milestone card (₹25L spend).
• Also got the recent Visa Power Travel offer (20.5% return). Haven't redeemed it yet but definitely will.

Amazon Pay ICICI

• Unlimited 5% on Amazon.
• Lifetime cashback well over ₹1 lakh.

I also have a bunch of other ICICI cards (plus add-ons). Mostly for bank discounts. I'm an Apple dealer and almost every Apple offer seems to be on ICICI, so they actually get used.

HDFC Cards

Regalia Gold

• 5X on Myntra Gold every month.
• ₹1.5L quarterly voucher.
• ₹5L & ₹7.5L annual milestone vouchers.
• Boarding Edge coupons on every add-on card.

The Uber math is ridiculous:
₹750 × 2 per card × 4 quarters × 4 cards = ₹24,000/year in Uber vouchers.
The reason why I don't upgrade to DCB or Infinia. (though haven't got upgrade offer for Infinia yet)

Tata Neu Infinity

• Unlimited 5% on Tata Neu.
• Mostly used for Croma & Tanishq.
• Rewards earned so far: ₹70k+.

BizBlack

• GST & TDS payments.
• ₹20L milestone gives an extra ₹20k in rewards.
• International Lounge access.

Marriott Bonvoy

• Welcome Free Night Award.
• Marriott Silver status.
• International lounge access.

Flipkart Axis

• Effectively 7.5% on Myntra (Gold).
• 5% on Flipkart.

Honestly, I barely use it because Flipkart has a habit of cancelling heavily discounted orders.

BoB Etihad

• Mainly for Etihad Gold status.
• Looking forward to redeeming the milestone rewards later this year.
• Also the only card I have that works for the Delhi T3 Arrivals Lounge.

Amex MRCC

Previously had Platinum Travel for the ₹4L sweet spot.

After the devaluation, I downgraded to MRCC. Kept it because:

• Good credit limit.
• Stays in the Amex ecosystem.
• Reasonable fee waiver at ₹1.5L annual spend.

SBI BPCL Octane

• Sweet ₹10k/month fuel spends at BPCL.
• Also useful as an SBI core card during sales.

RBL World Safari

• 0% forex.
• Got it recently.

Only complaint: ₹25k credit limit... seriously?

Already emailed them asking for a limit increase or closure.

Revolut

I only keep it as a backup forex card.

The multicurrency wallet is great when making larger international transactions, especially in case Indian banks decide to have one of their "security moments."

One thing I'll say:

• BoB, Amex and PNB: Never once called me asking if a transaction was really mine—even after some pretty large spends.
• HDFC & ICICI: Sometimes I do two ₹1,000 transactions at the same merchant and suddenly the card gets blocked while they start calling with the usual "Was this you?" routine.
• Also a hack only diners card issued in india (and have heard amex cards too) works at priority pass credit places recently I was in Madrid Spain and at airport there is a cafe SOHO and their HDFC and ICICI normal priority pass didn't work there but diners worked so I was with my family we had 8 cards so we got 8x€23= €184 in shop credit we bought a lot of cookies, snacks, ready to eat meals like it is almost 20000rs in free shopping.

Cards in my walled: Times Black, BOB Ethiad, a Debit Card, PAN Card

that's it. Any tips do drop it.

I was searching for a passport wallet which i can put in my jeans pocket have scrolled through atleast 70 wallets and this atoll wallet seems good balance of price and quality(they claim not sure as no reviews and anywhere)

​

If someone using one pls advice

​

https://atatoll.com/collections/wallets/products/utah-burgundy-passport-holder

​

[Mod enable embedded link]

🔥 Dyson Supersonic Hair Dryer @ ₹20,900

✅ Sealed box

✅ GST bill

✅ Free shipping

DM to order 📩

Revolut India Detailed Review – You Should /Probably/ Definitely Skip

So it's been 3 days since I signed up for Revolut India.

The signup and verification process took around an hour for me. After that, I was issued a virtual domestic card. A physical domestic card costs ₹199, so I skipped it.

The problem is that the virtual domestic card cannot currently be added to Google Pay or Samsung Wallet. I contacted support and they said support for Google Pay is coming "in the near future." Until then, you can only use the domestic card online.

If you want to use it offline, you'll either need to pay ₹199 for the physical card or subscribe to a paid plan. Neither makes much sense.

Interestingly, the physical multi-currency card was available to order completely free. I genuinely think this is a bug and will probably be fixed soon. I ordered one anyway for my collection, although I don't really plan on using it.

First Important Thing: Revolut India Is NOT a Bank

Revolut India currently operates as a PPI (Prepaid Payment Instrument), essentially similar to a Paytm Wallet, PhonePe Wallet, or MobiKwik Wallet.

That comes with several restrictions:

- Maximum balance of ₹2 lakh at any given time

- The card issued is a prepaid card, not a debit card or credit card

- Acceptance can be lower than regular bank-issued cards

I tried using the card on multiple websites and had several failures before finally managing to use it on Amazon.

I spent over ₹3.5 lakh through Revolut but have received exactly zero reward points so far.

Support claims reward points take time to post, but it's already been 3 days since my first transaction.

One reward point is worth ₹0.50.

Base Plan Rewards

- 2 points per ₹200 spent

- Effective reward rate: 0.5%

Metal Plan Rewards

The Metal plan costs ₹11,800/year.

- 5 points per ₹200 spent

- Effective reward rate: 1.25%

Booster Merchants

There are some "boosted" merchants like Oppo, Borosil, etc. where you earn:

- 20 points per ₹200 spent

- Effective reward rate: 5%

Sounds attractive, right?

Not really.

Most of these merchants already offer gift card discounts, instant bank discounts, cashback offers, or other promotions that often exceed the value of the Revolut rewards.

The Only Plan That Makes Even a Tiny Bit of Sense: Metal

Benefits include:

- Unlimited travel insurance (maximum 15 days per trip)

- ₹10,000 Yatra hotel voucher (realistic value closer to ₹6,000–₹7,000)

- Some subscription benefits (personally worth ₹0 to me)

- 4 lounge visits per year (almost every decent credit card already offers lounge access)

- $500/month free ATM withdrawal, then 2.36% fee afterwards

- Ability to load up to ₹3 lakh into the wallet without platform fees (GST still applies)

The Forex Reality

You might think:

"Great! I'll load ₹3 lakh and send money abroad to family."

Nope.

Currently, loaded funds can only be used through the multi-currency card. You cannot freely remit the funds elsewhere.

If you load money and later decide not to use it, withdrawing it attracts a 2% + GST fee.

Today, the USD-INR rate on Revolut was around ₹94.68/USD, which looked attractive.

I considered loading $1,000 worth of funds.

Then I discovered that on the free plan:

- Around 1% convenience/platform fee was being charged

- GST was charged on top of that

I asked support five separate times whether buying the Metal plan would completely eliminate this fee.

Their response every time was:

"The fee will definitely be lower."

Notice what they never said:

"The fee will be zero."

That felt a little shady.

The Most Annoying Part

Throughout this review I've mentioned:

- Domestic card

- Multi-currency card

You might be wondering:

"Why can't there just be one card that works for both domestic and international transactions like every normal debit or credit card?"

Because Revolut India is a PPI and not a bank.

They can't currently offer that structure.

Domestic Wallet

Money loaded into your INR wallet can only be used domestically.

The load transaction uses MCC 6540.

That means:

- Credit card users generally earn no reward points

- Many banks charge around 1.18% fee

- Several banks don't count it towards milestones

So you're effectively:

1. Loading your own money

2. Earning no interest

3. Losing the flexibility of your savings account

4. Missing out on credit card rewards

Multi-Currency Wallet

Let's say you're travelling and want to use the multi-currency card because it advertises 0% forex markup.

Not really.

You still pay platform/convenience fees and GST while loading money.

And unlike a normal forex-enabled credit card:

- You must preload funds

- Funds can only be loaded via bank transfer

- Transfers can take up to a few hours

- Your money sits idle earning no interest

Meanwhile, a good credit card lets you spend instantly overseas without preloading anything.

Final Verdict

I know the hype around Revolut is real.

But the reality, at least in its current Indian form, is a hard skip.

For most users, a decent credit card or even a regular bank account provides:

- Better rewards

- Better acceptance

- More flexibility

- Less friction

This is probably one of the most detailed Revolut India reviews available right now from an actual user who has spent over ₹3.5 lakh through the platform and still hasn't received a single reward point.

I've also emailed Revolut requesting a complimentary physical domestic card so I can properly test offline acceptance.

Will update if they respond.

Revolut India Detailed Review – You Should /Probably/ Definitely Skip

So it's been 3 days since I signed up for Revolut India.

The signup and verification process took around an hour for me. After that, I was issued a virtual domestic card. A physical domestic card costs ₹199, so I skipped it.

The problem is that the virtual domestic card cannot currently be added to Google Pay or Samsung Wallet. I contacted support and they said support for Google Pay is coming "in the near future." Until then, you can only use the domestic card online.

If you want to use it offline, you'll either need to pay ₹199 for the physical card or subscribe to a paid plan. Neither makes much sense.

Interestingly, the physical multi-currency card was available to order completely free. I genuinely think this is a bug and will probably be fixed soon. I ordered one anyway for my collection, although I don't really plan on using it.

First Important Thing: Revolut India Is NOT a Bank

Revolut India currently operates as a PPI (Prepaid Payment Instrument), essentially similar to a Paytm Wallet, PhonePe Wallet, or MobiKwik Wallet.

That comes with several restrictions:

- Maximum balance of ₹2 lakh at any given time

- The card issued is a prepaid card, not a debit card or credit card

- Acceptance can be lower than regular bank-issued cards

I tried using the card on multiple websites and had several failures before finally managing to use it on Amazon.

I spent over ₹3.5 lakh through Revolut but have received exactly zero reward points so far.

Support claims reward points take time to post, but it's already been 3 days since my first transaction.

One reward point is worth ₹0.50.

Base Plan Rewards

- 2 points per ₹200 spent

- Effective reward rate: 0.5%

Metal Plan Rewards

The Metal plan costs ₹11,800/year.

- 5 points per ₹200 spent

- Effective reward rate: 1.25%

Booster Merchants

There are some "boosted" merchants like Oppo, Borosil, etc. where you earn:

- 20 points per ₹200 spent

- Effective reward rate: 5%

Sounds attractive, right?

Not really.

Most of these merchants already offer gift card discounts, instant bank discounts, cashback offers, or other promotions that often exceed the value of the Revolut rewards.

The Only Plan That Makes Even a Tiny Bit of Sense: Metal

Benefits include:

- Unlimited travel insurance (maximum 15 days per trip)

- ₹10,000 Yatra hotel voucher (realistic value closer to ₹6,000–₹7,000)

- Some subscription benefits (personally worth ₹0 to me)

- 4 lounge visits per year (almost every decent credit card already offers lounge access)

- $500/month free ATM withdrawal, then 2.36% fee afterwards

- Ability to load up to ₹3 lakh into the wallet without platform fees (GST still applies)

The Forex Reality

You might think:

"Great! I'll load ₹3 lakh and send money abroad to family."

Nope.

Currently, loaded funds can only be used through the multi-currency card. You cannot freely remit the funds elsewhere.

If you load money and later decide not to use it, withdrawing it attracts a 2% + GST fee.

Today, the USD-INR rate on Revolut was around ₹94.68/USD, which looked attractive.

I considered loading $1,000 worth of funds.

Then I discovered that on the free plan:

- Around 1% convenience/platform fee was being charged

- GST was charged on top of that

I asked support five separate times whether buying the Metal plan would completely eliminate this fee.

Their response every time was:

"The fee will definitely be lower."

Notice what they never said:

"The fee will be zero."

That felt a little shady.

The Most Annoying Part

Throughout this review I've mentioned:

- Domestic card

- Multi-currency card

You might be wondering:

"Why can't there just be one card that works for both domestic and international transactions like every normal debit or credit card?"

Because Revolut India is a PPI and not a bank.

They can't currently offer that structure.

Domestic Wallet

Money loaded into your INR wallet can only be used domestically.

The load transaction uses MCC 6540.

That means:

- Credit card users generally earn no reward points

- Many banks charge around 1.18% fee

- Several banks don't count it towards milestones

So you're effectively:

1. Loading your own money

2. Earning no interest

3. Losing the flexibility of your savings account

4. Missing out on credit card rewards

Multi-Currency Wallet

Let's say you're travelling and want to use the multi-currency card because it advertises 0% forex markup.

Not really.

You still pay platform/convenience fees and GST while loading money.

And unlike a normal forex-enabled credit card:

- You must preload funds

- Funds can only be loaded via bank transfer

- Transfers can take up to a few hours

- Your money sits idle earning no interest

Meanwhile, a good credit card lets you spend instantly overseas without preloading anything.

Final Verdict

I know the hype around Revolut is real.

But the reality, at least in its current Indian form, is a hard skip.

For most users, a decent credit card or even a regular bank account provides:

- Better rewards

- Better acceptance

- More flexibility

- Less friction

This is probably one of the most detailed Revolut India reviews available right now from an actual user who has spent over ₹3.5 lakh through the platform and still hasn't received a single reward point.

I've also emailed Revolut requesting a complimentary physical domestic card so I can properly test offline acceptance.

Will update if they respond.

Why due to few INDIANS all INDIANS have to suffer ⁉️