Best cash back credit card in india

I am currently doing some research to find out the best cash-back credit card in India.

So far, I have discovered that ABN AMRO's ONE credit card fits my needs best.

It does charge an annual fee of INR 600 but it gives an average return of >1.5% in solid cash for about first INR 29000/month you will spend on anything (a total of INR 6000 every year). Plus, there is no surcharge at any petrol punps !!

Is there anything better out there? Am I missing something in its fine print? Please feel free to comment.

best bank and cash-back credit card in US

After much research and varied experiences I will recommened Fidelity Smart Cash as my choice for the checking account and Fidelity FIA Visa Signature for the credit card.

Fideliy SmartCash has following benefits
* free bill pay, ACH and no minimum balance
* free ATM access from ANY ATM in the world (with a VISA, STAR or PLUS logo). All ATM charges are reimbursed same day
* free checks and deposit slips for life.
* very good interest rates on the cash in this account (currently about 3.5% APY)
* you can also maintain your brokerage, 401k, IRA, 529 etc with fidelity at very good rates so they are a one stop shop for all your US money
* very good phone customer support when you need it

Fidelity FIA Visa Signature card is useful as
* they give 1.5% cash back (deposited to your retirement or brokerage account automatically) on ALL your transactions.
* all benefits of Visa Signature and free cards for additional members

Please remember:
* visa will charge you 1% for any inter-currency transaction (e.g. when you are in India and are withdrawing dollars from your US account). this is true everytime you do an inter-currency transaction (even if its a wire transaction or anything else) - most banks just hide this information in their exchange rates. Fidelity just makes that information public.

10 Common Money Mistakes

http://www.getrichslowly.org/blog/2007/03/09/10-common-money-mistakes/

1. Procrastinating. The best time to make any sort of financial improvement is now. The best time to start paying off your debt is now. The best time to start saving for retirement is now.
   
2. Spending more than you earn. Don’t spend more than you earn. It’s only by mastering this fundamental principle that you’ll ever begin to accumulate wealth.
3. Not saving enough. Glink writes: “Building wealth isn’t about how much money you earn each year; it’s about how much money you don’t spend.”
   
4. Failing to pay off debt. When you’re burdened by debt, a single disaster can be enough to bury you. Don’t tempt fate. Eliminate debt as soon as possible.
5. Looking for quick fixes. Playing the lottery is not an investment strategy. That hot stock tip is not going to make you a millionaire. Multilevel marketing is just a good way to make your friends and family uncomfortable. Take the slow, sure path to wealth.
6. Letting emotion interfere with your decisions. When you let your emotions get the best of you, you end up in debt. You make poor investment decisions. You buy a house you cannot afford. You buy a shiny new Jetta when your three-year-old Focus still runs fine. As much as possible, separate emotion from your financial decisions.
7. Trying to time the market. If 80-90% of professional mutual fund managers are unable to beat the market, what makes me think that you are to be any better?
8. Failing to diversify your investments. The best defense against a decline in any single stock is invest in many stocks. The best defense a decline in any single market is invest in several markets.
9. Following fad investments. First it was real estate. Now it’s gold. What will it be next year? Don’t chase the hot investments.
   
10. Not taking enough risk. We all want our money to be safe. We worked hard to earn it, and we don’t want to lose any through investment mistakes. But the truth is the less risk you’re willing to take, the lower your potential returns.
    

10 Best Charities to donate to

http://www.charitynavigator.org/index.cfm/bay/topten.detail/listid/7.htm

Many of America's most effective charities are also household names. But some well-known charities are less effective than you'd think, while a number of lesser known charities are truly exceptional. These 10 charities all operate on less than $2 million a year, but they all earn a four-star rating from Charity Navigator. We encourage you to learn more about them.

Rank	Charity	Overall Score
1	Asha for Education	69.70
2	Disabled American Veterans Charitable Service Trust	69.35
3	Environment Northeast	69.25
4	National Ataxia Foundation	69.18
5	Animal Welfare Institute	69.15
6	American Skin Association	69.13
7	Dogs for the Deaf	69.10
8	North Cascades Institute	69.00
9	Action on Smoking and Health	68.98
10	PAWS Atlanta	68.96