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Where are my swing traders at??
I joined Tiger Analytics with CTC of 9lpa. When I check in greythr IT statement, it shows 7.14lpa.
In the CTC payslip, it shows 75k per month as my salary. But this month I got 61k.
I understand they deduct tax, but I feel it is too much. IDK where I'm losing the money. Can someone tell if this is normal. I'm a fresher so, IDK much about it.
Also, what can I do to pay less taxes? Any help on that?
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Trader bro tradin’ with his Vineyard Vines shirt
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If you actually fly often (especially with luggage), are committed to delta, and value a premium experience, then I would recommend the delta reserve.
If you have more varied travel, prioritize redemption flexibility, and want a one-stop-shop cards, then I would go with the chase.
Delta platinum and reserve can be “keeper” cards by giving more than they earn with the companion ticket, so that is a plus.
Delta card is really not great as a daily driver. If you’re deep in Amex’s system, you probably wouldn’t even use it. I have gold and platinum, which both have better points in combination than any of the delta cards. It’s value is not in the points you earn but the perks that come with it. More specifically, it is in the upgrade prioritization, free checked bags, and faster track to higher status. However, most of the status earning comes through ridiculously high spend requirements ($100k/year), and considering you’re losing out on points value, there is a real cost to putting money through a delta card that would earn you more if put elsewhere.
Chase does have priority pass, but those lounges are a step down and often closed, so I would value those as a step below delta and centurion lounges.
Chase has better points. Both earn 3 points, but with delta they are really miles that only work for delta and associate airlines. They are also much more consistently valued at 1.2 cents per point, whereas the chase card will be at least 1.5 ccp and have much greater flexibility that you can use to push past 1.5.
Overall, it comes down to where this card is going to fit into your quiver. You can get the annual fee back for the reserve through the companion ticket (effectively being paid to hold it and commit $550 spend to delta) and get a ton of perks along the way. However, you won’t actually buy anything on it after you hit your minimum spend. The reserve is good to have as a way to augment an already build out quiver. Chase is a great card that you will probably use every day, and it does have some premium, albeit more varied, benefits. If you can only have one, chase is probably the call.
I have both. Agree with SA1 that Chase is the better daily card and I use it for everything other than Delta flights. But the annual companion certificate with the Delta Amex more than offsets the $250 fee so even if you only fly once with a partner (should caveat that I’m married and wife flies with me multiple times per year) it’s a net win to have it, and the other perks mentioned such as free checked bags and upgrade priority are just a bonus.