In this special festive episode of Paisa Vaisa, host Anupam Gupta sits down with Brian Almeida, founder of Points For Good, a revolutionary platform changing the face of individual giving in India. Did you know there are an estimated ₹15,000 crores worth of reward points lying unutilized in Indian wallets? Brian reveals how his platform converts your existing credit card, debit card, and employee loyalty points into cash donations for verified charities, aligning causes with the UN Sustainable Development Goals (SDGs).

Key Takeaways:

• Massive Opportunity: Understanding the scale of unused reward points (₹15,000 Crores) and the ₹4,000 Crores worth of points issued annually.

• Simple Donation Process: A step-by-step guide on how to donate your points directly through your bank's reward catalogue (e.g., HDFC Smart Buy).

• Credible Charities: How Points For Good vets NGOs using frameworks like GuideStar and compliance checks to ensure all donations are reaching credible causes.

• Giving Culture Shift: Why tax breaks are no longer the primary motivator for retail giving, driven instead by emotional satisfaction and social purpose.

• The Future of Giving: Innovative plans like implementing an SIP for reward points and partnering with events like World Loyalty Giving Day to create a sustainable movement.

• Corporate & Gifting Solutions: How businesses and individuals can use the platform for corporate social responsibility (CSR), employee incentives, and unique gift cards for occasions like weddings.

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This episode is your definitive step-by-step guide to investing in US and global markets from India. We break down the complex regulations, costs, and tax implications, from linking your Indian bank account and navigating the $250,000 LRS limit to repatriating your profits. Learn the difference between short-term (under 24 months) and long-term capital gains tax on foreign assets, understand the non-negotiable RBI restrictions on products like derivatives and crypto, and get the exact process for buying shares of companies like Berkshire Hathaway or Nvidia. We also reveal emerging global market trends and future investment opportunities in Europe and Hong Kong.

1. LRS Limit & Fund Transfer: The step-by-step process, daily deadlines, and the $250,000 per PAN limit explained.

2. Tax Compliance Simplified: Decoding the 24-month long-term capital gains rule and the mandatory Foreign Asset Disclosure.

3. Hidden Costs Exposed: A transparent look at FX markup (1-1.5%), brokerage fees, and the US 25% dividend withholding tax.

4. Prohibited Products: Why derivatives, borrowing, and crypto are strictly not allowed under LRS rules.

5. GCC/RSU Strategy: A special segment for employees with foreign stock options (RSUs/ESOPs) on how to properly diversify their concentrated wealth.

6. Future Markets: Vested's plan to add Europe, Hong Kong, and other top global exchanges for direct access.

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You see the brand name on the tag, but we found the company that powers everything behind it. PDS Limited is the Value-Focused global infrastructure powerhouse. Group CEO Sanjay Jain gives us a rare look into how major retailers define the single most important word in fashion: Value. He also shares a personal lesson from a favorite movie character and his bullish outlook on the "exploding" future of Indian retail.

What You'll Learn:

• The Core Selling Point: Why "Value" is the one word that determines whether a piece of clothing sells, and how its definition changes based on the customer segment.

• The India Paradox: The "globally integrated, yet locally rooted" characteristics of the 18+ Indian youth, making a pan-India retail strategy a careful aggregation of clusters.

• From Landfill to Legacy: The circular economy innovations, including converting textile waste into anti-combustible bricks to actively combat clothes pollution.

• Scaling Secrets: The two qualities PDS seeks when investing in founders: Differentiation (disruptive idea/consumption) and Scalability.
  
  
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