lifehack.guide

 Following are the 25 car essentials with their estimated costs:

1. Air freshner - $3
2. Washable Seat covers - $100
3. All weather floor mats - $25
4. Front seats gap filler - $25
5. Lower back support/brace/pillow - $10
6. Mini Dustbin - $2
7. Travel water bottle - $2
8. Steering wheel spinner knob - $15
9. Steering wheel table - $10
10. Flashlight/SOS light - $5
11. Car Window mini hammer - $5
12. Mini first aid kit - $5
13. Tire puncture kit - $15
14. Spare tire - $350
15. Washcloth to clean windows - $2
16. Car exterior cleaning spray - $5
17. Portable air compressor for tires - $25
18. 12V battery jumper cables & power source - $50
19. 12V to 110/240V AC transformer (at least 100W) - $15
20. USB cables (Micro, Type-B, Type-C, IPhone) - $5
21. Mudguards (if not already installed) - $15
22. Rear parking camera (if not already installed) - $100
23. Smartphone media sharing (Apple carplay, etc if not already installed) - $200
24. Dashcam to record accidental events on the road - $25
25. Car Theft GPS location tracker - $30

The following is a list of manufactured vehicles that are more convenient to get parts for and less costly to service:

1. Chrysler
2. Dodge
3. Chevrolet
4. Ford
5. Buick
6. GMC

How to make maximum use of cashback offers from your credit cards:

1. Sign up for Plastiq.com.
   
   
2. Set up bills and recipients you want to pay money to in Plastiq.
   
   
3. You will need to add the receiver's preferred method of receiving money (from Plastiq):
   
   You will need their address for sending paper checks.
   To deposit money in their bank account or do a wire transfer you will need their account number and routing number.
   
   
   
4. Plastiq will then pay the receivers in the payment sending method selected and charge you a 2.85% fee for using your credit card.
   
   
5. Remember to use the credit cards that offer you the best cashback/discount/bonus (3%+) to make payments to Plastiq. 
   
   
6. Here's a chart of the type of payments you are allowed to make w.r.t. credit card providers:
   
   
   
   
7. Now sit back and enjoy your "X%" cashback from your credit card company while paying plastiq only a 2.85% fee!

References:
https://help.plastiq.com/hc/en-us/articles/360018872334-Learn-About-Supported-Payment-Types-by-Card-Brand-on-Plastiq

1. You live in the US.
2. You have a valid SSN.
   
3. You have a credit score of 750+.

1. $750 cashback for travel expenses in 1st year if you spend $4,000 in the first 3months of card approval.
2. Sapphire Preferred - 5% cashback (or 6.875% travel cashback) on Lyft till March 2022.
   Sapphire Reserve - 10% cashback (or 16% travel cashback) on Lyft till March 2022.
3. $120 worth of 1 year of DoorDash unlimited $0 delivery service with reduced service fees (Dashpass).
   
   
   
   

Lifetime benefits ONLY offered by Sapphire Preferred & Reserve ($2000+ Value/Year): 

1. Travel: 5+% flat cashback
   Sapphire Preferred - 6.75% travel cashback
   Sapphire Reserve - 7.5% travel cashback
   Travel cashback applicable on travel booked via Chase travel portal.
   
   Real Value - This is 3%-6% above other credit cards.
   $50+ additional cashback/year If you spend $1000/year on travel (single).
   $150+ additional cashback/year If you spend $3000/year on travel (with family).
   
   
   
2. Hotels & Car Rentals:
   Sapphire Preferred - 5% flat cashback - 6.75% travel cashback
   Sapphire Reserve - 10% flat cashback - 15% travel cashback
   
   
   
3. Dining/restaurant/fast-food: 3+% flat cashback
   Sapphire Preferred - 4.05% travel cashback
   Sapphire Reserve - 4.5% travel cashback
   
   Real Value - This is 1%-3% above other credit cards.
   $35+ additional cashback/year. If you spend $100/month on eating out (single).
   $100+ additional cashback/year If you spend $300/month on eating out (with family).
   
   
   
4. Cashback on travel NOT booked via Chase travel portal:
   Sapphire Preferred - 2% flat cashback - 2.7% travel cashback
   Sapphire Reserve - 3% flat cashback - 4.5% travel cashback
   
   
   
5. Sapphire Preferred - $50 coverage for hotel expenses every year
   Sapphire Reserve - $300 coverage for travel expenses every year
   
   
6. Trip cancellation / interruption insurance -
   All travel that gets cancelled or halted or cut short by sickness or government ordered quarantine or severe weather that you are not able to get a refund for is covered upto $10,000/traveler and up to $20,000/trip by Chase.
   Real Value - $500, as you will rarely end up using this.
7. Trip delay coverage - 
   If your trip is delayed by 12+ hours; Chase will reimburse extra unanticipated expenses, up to $500/traveler.
   Real Value - $0, travel is almost never delayed by 12+ hours.
   
   
8. Luggage delay coverage -
$100/day for 5 days if your luggage is delayed for 6+ hours.
Real Value - $100 as luggage can be expected to be delayed by 1 day at least once a year.


9. Lost/Damaged Luggage coverage - 
   Max $3,000/person if luggage is damaged/lost by airline or another carrier.
   Real value - $0, luggage almost never gets stolen/damaged nowadays.
   
   
10. Automatic protection against damage or theft for all products -
    If anything you bought gets damaged or stolen within 120 days after you buy it, your purchase is covered up to $500/claim and $50,000/account. 
    Real Value -  $500 as this covers everything you ever buy for 4months.
    Damage can be caused during installation, first use, or by kids, pets, water, etc.
    Theft can happen during travel or if the product is stolen when forgotten or left outside.
    Examples - TV install, iPhone screen replacement, kids' bike gets stolen, etc.
11. Automatic 1-year warranty extension on Home appliances -
    1 year of extended/added warranty coverage on home appliances with <3 year warranty.
    Benefit is $10,000/claim and $50,000/account.
    Real Value - $500, can be really beneficial if your $500 TV, washing machine, etc. abruptly stop working at the end of their <3yr warranty period. 
12. Primary Auto Rental Insurance for Accidents and Theft -
    If you have an accident with your rental vehicle or it gets stolen, you can submit the entire claim directly to your credit card company for reimbursement for up to the cash value of the vehicle. This is better than Secondary coverage provided by other cards in which you have to involve your personal auto insurance company.
    Real Value - $0 as not involving your personal auto insurance company only prevents a hassle, it doesn't save you money.

Additional Lifetime benefits ONLY offered by Sapphire Reserve ($550+ Value/year):

1. Emergency Evacuation & Transportation:
   If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation; everyone's medical services and transportation are covered up to total maximum of $100,000.
   Real Value - $0; very rare occurence
   
   
2. Return Protection:
   If an online/physical store won't accept your return on what you bought from them in 90 days of purchase, your purchases are covered up to $500/item, total $1,000/year.
   Real Value - $100/yr; very rare occurence
   
   
3. Global Entry / TSA PreCheck® Fee Credit:
   Receive a statement credit of up to $100/4years as reimbursement for the Global Entry / TSA PreCheck® application fee charged to your card.
   Real Value - $25/yr
   
   
4. Priority Pass™ Select:
   Airport Lounge Access at 1,300+ VIP lounges in over 500 airports/cities worldwide.
   Real Value - $429/yr (equal to Prestige level membership)

Other basic benefits included that other cards also provide:

1. $0 Fraud Liability on card theft.
2. $0 Foreign Transaction Fee on all foreign purchases.
3. 1% basic cashback on all non travel related purchases.
   Sapphire Preferred - 1.35% travel cashback on all non travel related purchases.
   Sapphire Reserve - 1.5% travel cashback on all non travel related purchases.

Fine print:

1. Annual Fee -
   Sapphire Preferred - annual fee of $95
   Already covered if you spend at least a total of $1000/year on travel, $100/month on eating out and book a hotel at least once/year. 
   This $95 annual fee is covered and justified even if you compare this card to a flat 2% cashback card.
   
   Sapphire Reserve - annual fee of $550
   Already covered by the $300 travel cashback and if you plan on visiting Airport priority pass lounges at least 4 times year (equivalent to 1 roundtrip = visiting 4 airports/year)
   
   
   
2. All travel cashback % listed above is higher than normal cashback because:
   A) Chase gives a % travel cashback bonus of using basic cashback to book all air travel / hotels / car rentals via Chase travel portal.
   Sapphire Preferred - 25% travel cashback boost
   Sapphire Reserve - 50% travel cashback boost
   
   B) Sapphire Preferred gives cardholders a 10% anniversary cashback boost every year.
   NOTE: Sapphire Reserve offers no anniversary cashback boost.

 If you arent buying an empty plot of land and are buying an existing/new house, follow these steps:

Choosing a Property to Buy: 

1. Go to zillow.com and create an account on the website.
2. Now go the location/pin-code in which you want to buy the house.
3. In Zillow's filters set up your preferences for what you are looking for.
4. Now shortlist houses from all the houses you see in your search results that have status "Available for Sale".
5. Do not shortlist houses that are pending or under contract as they are potentially going to be sold somebody other than you.
6. Think of what your budget to buy a house should be and how it compares to what is actually available for sale in the market.
7. Decide if you want to wait or continue. Remember; houses you like will not stay available to buy for as long as you might think.

1. Contact lending agents/companies like DCU, Chase, rocketmortgage.com or local lending agents that you might already know Online or by Phone.
2. The choice of your lending agent will depend on what interest rates they can offer you based on your credit score and the % of downpayment you are planning on making on your new house.
3. Loan Officer/agent will review your income, cash balance, credit score, etc.
4. Now get prequalified with the lending agent you prefer by filling out their pre-qualification application.
5. It is recommended that you only get prequalified for the same amount as the house you are interested to buy.
6. The prequalification amount can be changed anytime later by calling your lending agent if you are not able to buy a/the house you want in your initial prequalification amount. 
7. The pre-qualification can take anywhere from 1day-1week to fully go through.

1. Call the selling agents for the shortlisted houses and check if the houses are still available.
2. For the houses that are available, express your interest in buying the house with them.
3. To ensure that your offer for the house goes through, it is recommended that you offer the selling agent the benefit of paying $1000 over whatever best offer they receive from other potential buyers for those houses.
4. If the property is a foreclosure; seller will request your best offer and if you win the auction the process will continue.
5. The selling agent will need your prequalification documentation and your lending agent's contact info.
6. The selling agents will now contact the sellers and share the offers the sellers have received for their houses.
7. Once the seller makes a final decision and if you have made the best offer, the seller will contact you to sign a pre-approval contract in 3days.
8. After the pre-approval contract is signed, the seller will request ~$1000 in ernest money.
9. 30days from receiving the ernest money is when the the seller will need all the financing for the property to be available.
10. Contract Received 
11. Appraisal Ordered 
12. Appraiser comes on site to appraise house
13. If Appraiser sees issues appraiser will request inspection as a condition to provide an appraisal.
14. Inspection requested will occur as per appraiser.
15. Inspector comes on site to inspect house
16. Inspection report received
17. Appraisal Received 
18. Submitted to Underwriting 
19. Initial Underwriting 
20. Approval Received 
21. Closing Disclosure sent out for signature 
22. Closing Disclosure Signed. 
23. Final Underwriting 
24. Approval Received ("CLEAR TO CLOSE") 
25. Closing Instructions Sent to Title Company 
26. Approved Settlement 
27. Statement Received 
28. Loan Funded!

1. One time Property cost/down-payment:
   3% - 100% (depends on how much you want to pay upfront)
   
   
2. Minimum downpayment conditions:
   0% - VA Loan; if you are/were in US defense forces and are going to live in the house you buy
   3.5% - FHA Loan; sponsored by US govt as the lender for houses that are in good condition
   3% - Conventional Loan through any lender; house has to be in "OK" condition
   
   
3. Monthly Property mortgage payment
   (if you buy the property on a loan and did not buy it on a 100% down-payment):
   Varies depending on your loan payment plan
   Monthly amount = Partial payments of principal & loan interest. (HOA and Insurance are on case-by-case basis).
   
   
4. Yearly Mortgage/Loan interest:
   3.1% - 8% (Depends on your credit history and credit score)
   
   
5. One time Cost to build/repair the house:
   0% - x% (if you are buying a lot/land/fixer upper)
   
   
6. Yearly Property Tax:
   1.00% - 1.25% of the assessed value (normally 20-50% of actual selling price)
   
   
7. Yearly House Insurance (If you buy a house on a loan at <20% downpayment):
   0.5% (this is lower for FHA loans)
   
   
8. Monthly Homeowner's Association (HOA) Fee (If you are buying a house in an HOA/gated/closed community which has amenities/facilities provided):
   ~0.2% (Yearly = ~2.5%)
   
   
9. Yearly Personal House Maintenance and Cleaning (Lawn, Plumbing, Pest control, etc.) cost:
   0.1%

1. In addition to paying for the actual cost (100%) of the house/land, you will be paying an additional 5% - 10% cost of ownership per year.
2. This means that the total cost of the house/land for you (the owner) doubles every 6 - 12 years (after adding 1% - 2% inflation).
3. This means that no matter which house/land you are looking to buy right now, money put into it will double in (at the most) 12 years because of the yearly cost of ownership to the previous owner.
4. If you buy the house/land in full, at 100% downpayment at no loans, in a non-HOA community; the yearly cost of ownership to you is ONLY 1.3% - 1.55% (after adding inflation).

Portable, Healthy, and Value for money healthy snacks and food you should buy at your nearest Superstore if you don't know-how/want to cook or are going traveling/camping:

BEVERAGES

• regular (black) tea
• green tea
• coffee
• water
• yoghurt

• oranges
• cranberries (welch)
• pineapple (muncheros)
• papaya (muncheros)
• peach slices (so natural)
• apple slices (so natural)
• banana slices
• blueberries
• pumpkin puree

CANNED/FROZEN MEATS

• canned tuna
• canned salmon
• frozen pollack
• frozen tilapia

PANTRY STAPLES

• vinegar (white, apple cider)
• extra virgin olive oil
• coconut oil
• mustard (yellow, deli, brown)
• ketchup

High Nutrition SNACKS

• Nuts Mix (Imperial - Antioxidant, Nut, Energy)
• Trail Mix (Tropical)
• Whole grain bread
• Dark chocolate
• Hard-boiled eggs
• Protein bars
• peanut butter

HIGH CARB/SUGAR SNACKS

• raisins
• popcorn kernels
• dried prunes
• milk chocolate
• crackers (animal/graham)

• Anti-reflection (AR) or anti-glare coating - a type of optical coating applied to the surface of lenses and other optical elements to reduce reflection. In typical imaging systems, this improves the efficiency since less light is lost. If glare becomes a problem, consider an anti-reflective coating applied to new eyeglasses. The anti-reflective coating reduces reflections, decrease halos around light, and create a nicer cosmetic appearance.
• Scratch-resistant coating - protection from scratches
• Ultraviolet coating - ultraviolet protection.
• Hydrophobic coating - doesn't let water to stay on the glasses
• Tinted lense/coating - Sometimes a light or dark hint of color on the eyeglass lens can be beneficial to aid in vision. For example, a yellow tint may increase contrast and a gray tint may not alter color perception with sunglasses. A light tint can also hide the signs of aging around the eyes.
• Mirror coatings - If you are looking for a purely cosmetic lens that allows the eyes to be hidden from view, then this is the coating for you. Mirror coatings come in a variety of colors such as silver, gold, and blue.

• Polycarbonate lenses - These eyeglass lenses are impact-resistant and are a good choice for people who regularly participate in sports, work in an environment in which their eyeglasses may be easily scratched or broken, and for children who may easily drop and scratch their eyeglasses. Polycarbonate lenses also provide ultraviolet protection.
• Trivex lenses - These lenses are made from a newer plastic with similar characteristics of polycarbonate lenses. They are lightweight, thin, and impact-resistant and may result in better vision correction than the polycarbonate lenses for some people (that is, in some prescription number glasses).
• High index plastic lenses - Designed for people who require strong prescriptions, these eyeglass lenses are lighter and thinner than the standard, thick "coke bottle" lenses that may otherwise be needed.
• Aspheric lenses - These eyeglass lenses are unlike typical lenses, which are spherical in shape. Aspheric lenses are made up of differing degrees of curvature over its surface, which allows the lens to be thinner and flatter than other lenses. This also creates an eyeglass lens with a much larger usable portion than the standard lens.
• Photochromic lenses (Transition lenses) - Made from either glass or plastic, these eyeglasses change from clear to tinted when exposed to sunlight, darken on exposure to specific types of light of sufficient intensity, most commonly ultraviolet (UV) radiation. In the absence of activating a light, the lenses return to their clear state. This eliminates the need for prescription sunglasses. These eyeglass lenses may not darken in a car because the windshield could block the ultraviolet rays from the sun.
• Polarized (Polarizing foil core) lenses - Light reflected from water or any flat surface can cause unwanted blinding glare. Polarized lenses reduce glare in all lighting conditions and are useful for sports and driving. These lenses may cause the liquid crystal displays (LCD's) on the dashboard of cars to appear invisible.
• Drivewear glasses (for daytime driving only) - It is a combines photochromic and polarization technology. The DriveWear lens is exclusively a daytime lens designed for driving, though can benefit people in other activities such as fishing, sailing or any outdoor activities. It minimizes glare and excess visual light while maximizing useful light information reaching the eyes
• Nighttime driving glasses (for nighttime driving only) - It is a combination of a clear (Category 0) lens with an anti-glare (= AR = anti reflective) coating and a slight yellow tint as it reduces blue light emitted from oncoming road vehicles.

1. $1 per pound (16 ounces) = ¢6.25 per ounce ~ Rs.145 per Kg
2. $1 per gallon (128 fluid ounces) = ¢0.78 per fluid ounce ~ Rs.18 per Litre
3. $1 ~ Rs.67
4. $3 ~ Rs.200

For economic reference, the federal (national) minimum wage is $7.25/hour ~ Rs500/hour

Healthy Cooking Oils -

1. Coconut Oil (LouAna Brand) (30 ounce Twin Pack, x2) - $0.166 per fluid ounce = Rs.376 per Litre
   
2. Coconut Oil (Organic and Virgin) (30 ounce Pack) - $0.3 per fluid ounce = Rs.732 per Litre
3. Cow Ghee (Verka Brand) (3.4Kg Pack = 120 ounce pack) - $0.34 per ounce = Rs.770 per Kg
4. Cow Ghee (SWAD Brand) (1 pound pack) - $0.7 per fluid ounce = Rs.1584 per Litre
5. Olive Oil Spray (Chosen Foods brand) (5 ounces (150ml) pack) (Medium Heat (176.6C = 350F smoke point) - $0.6 per fluid ounce = Rs.1400 per Litre

Milk -

1. Whole Milk (Dhoodh) (Great Value Brand) - $2.65 per gallon = Rs.47 per Litre
2. Skimmed 2% Fat Milk (Patla Dhoodh) - $2.16 = Rs.38 per Litre
   

Fruits (No Sugar Added) -
(Watch Out! Seasonal Discounts can be huge in this Category)

1. Apples (Seb) (Different varieties) - $0.5 - $1.2 per pound = Rs.115 - Rs.170 per Kg
2. Red/Black/Green Grapes (Angoor) - $0.7 - $2.5 per pound = Rs.368
3. Oranges and Mandarins (Santra) - $0.4 - $2 per pound = Rs.58 - Rs.286 per Kg
4. LIMES (Choona) -  $1.33 per pound = Rs.200 per Kg
5. LEMONS (Neembu) - $0.25 - $1.2 per pound = Rs.36 - Rs.175 per Kg
6. Mango (Aamb) - $0.8 - $1.29 per piece = Rs.xxx per Kg
7. Bananas (Kele) -  $0.33 - $0.7 per pound = Rs.48 - Rs.101 per Kg
8. Cantaloupe (Kharbooja) -  $0.19 - $0.7 per pound = Rs.28 - Rs.102 per Kg
9. Apricots - $2.5 per pound = Rs.362 per Kg
10. Pears (Naashpati) (Different types) - $.83 - $1.27 per pound = Rs.120 - Rs.190 per Kg
11. Pear Halves (Packed in Cans) (Great Value Brand) - $1 per pound = Rs.150 per Kg
12. Pineapple Tidbits (Packed in Cans) (Great Value Brand) - $0.63 per pound = Rs.94 per Kg
13. Pineapple (Whole) - $0.5 per pound = Rs.72 per Kg
14. STRAWBERRIES - $2 per pound = Rs.290 per Kg
15. CRANBERRIES - $1.3 per pound = Rs.190 per Kg
16. BLUEBERRIES - $3.23 per pound = Rs.485 per Kg
17. RASPBERRIES - $3.23 per pound = Rs.485 per Kg
18. BLACKBERRIES - $2.5 per pound = Rs.362 per Kg
19. BERRY MEDLEY - $3.88 per pound = Rs.582 per Kg
20. Guavas (Amrood) - 3 per pound = Rs.435 per Kg
21. Kiwis (Imported) - $1.5 per pound = Rs.217 per Kg (Rs.16 per Kiwi)
22. Pomegranate - $0.48 per piece = Rs.32 per piece
23. Black/Red Plums - $0.5 per pound = Rs.72 per Kg
24. Papaya - $0.5 per pound = Rs.72 per Kg
25. Seedless Watermelons - $0.2 per pound = Rs.29 per Kg
26. Baby Watermelons (15inchesx12inches) - $3.0 per piece = Rs.430 per piece
27. Pumpkins - $0.33 per pound = Rs.48 per Kg
28. Castilla Squash - $0.33 per pound = Rs.48 per Kg
29. Peaches - $1 per pound = Rs.145 per Kg

Toppings -

1. Salad Tomatoes (Tamatar) - $0.33 per pound = Rs 48 per Kg
2. Slicing Tomatoes (Tamatar) - $1.58 per pound = Rs.235 per Kg
3. Roma Tomatoes (Tamatar) - $0.89 - $1.99 per pound = Rs.129-Rs.286 per Kg
4. Onions (Pyaaz) White - $0.20 per lb = Rs 28 per Kg
5. Onions (Pyaaz) Red/Yellow - $0.5 - $0.98 per lb = Rs72 - Rs.143 per Kg
6. Green Onions (small onions with stem) - $0.33 per piece
7. Bell Peppers (Shimla Mirch) - $0.88 - $1 per pack = Rs.xxx per Kg
8. Jalapeno, Serrano, Anaheim Peppers (Mexican) - $0.33 - $1.3 per lb = Rs.48 - Rs.190 per Kg
9. Cucumbers (Kheera) -  $0.25 per piece

Vegetables -

1. Broccoli (Organic) - $1 per pound = Rs.67 per Kg
2. Asparagus - $1.88 per pound = Rs.126 per Kg
3. Assorted Salad (Coleslow) (Shredded Lettuce Mix) - $1.85 per pound = Rs.265 per Kg
4. Cilantro (Dhaniya) - $0.88 per pack = Rs.xxx per Kg
5. Green Cabbage (Patta Ghobee) - $0.68 per pound = Rs.100 per Kg
6. Caulifower - $0.5 per pound = Rs.72 per Kg
7. Collard Greens (Haak) - $1.24 per pack = Rs.xxx per Kg
8. Kale Greens - $1.24 per pack = Rs.xxx per Kg
9. Iceberg Lettuce (Salaad) - $1.38 per pound = Rs.205 per Kg
10. Artisan Romaine (Organic) - $0.8 each pack = Rs.54 per pack
11. Table Carrots - $0.25 per pound = Rs 41 per Kg
12. Carrots (Organic) (Gaajar) - $3 per pound = Rs.450 per Kg
13. Lentils/Legumes/Beans/Peas (Great Value & Jack Rabbit Brand) (1lb pack) - $0.5 to $2 per pound = Rs.73 to Rs.290 per Kg
14. Lentils/Legumes/Beans/Peas (CANNED) (Water Added) (Generic Brand) - $0.4 per lb onwards = Rs.58 per Kg onwards
15. Celery - $1.24 per 1 large pack = Rs.85 per 1 large pack
16. Avocados (large) - $0.68 each = Rs.46 each
17. Yams - $0.5 per pound = Rs.72 per Kg

Spices & Tastemakers -

1. Seasoning (Creole Blend) (Zatarain's Brand) (17 ounces Pack) - $2.43 per pound = Rs.264 per Kg
2. Taco Mix Seasoning (Ortega Brand) (24 ounces Pack) - $3 per pound = Rs.300 per Kg
3. Salt (Great Value Brand) (Iodized) (26 ounces Pack) - $0.33 per lb = Rs.50 per Kg
4. Ginger Root (Adrak) - $3.48 per pound = Rs.517 per Kg
5. Garlic (Lassan) (1.25 lbs Pack) - $5 per pound = Rs.473 per Kg
6. Garlic (Minced) (9 ounces Pack) - $14.25 per pound = Rs.955 per Kg
7. Indian Spices/Seasoning (Multiple Mixes) (Multiple Brands) - $8.6 to $11.4 per pound = Rs.1290 to Rs.1707 per Kg
8. Cheese (Great Value Brand) (Fiesta Blend) (2.27kg Pack) - $2.8 per pound = Rs.412 per Kg
9. Ricotta Cheese (Crystal Farms) (2lb Pack) - $2 per pound = Rs.300 per Kg
10. Apple Cider Vinegar (Sirka) - $0.75 per fluid ounce = Rs.118 per Litre
11. Pure Cocoa (Great Value Brand) - $1 per pound = Rs.150 per Kg
12. Butter (Great Value Brand) -  ($2.48 – 4 sticks)

Sauces & Pastes -

1. Tomato Puree (Great Value/Springfield/Goya Brand) - $0.66 per pound onwards = Rs.96 per Kg
2. Pasta Sauce (Hunt's Brand) - $1 per 24 ounces (1.5lb) = Rs.100 per Kg
3. Tomato Ketchup (Great Value/Springfield Brand)  - $1 per 24 ounces = Rs.100 per Kg
4. Mustard Sauce (Koop's Brand) - $1 per 24 ounces (1.5lb) = Rs.100 per Kg
5. TAPATIO Sauce (Vinegary Salsa - $0.7 - $1 per bottle
6. Red Pasta Sauce (Classico's Brand) - $3.2 per 24 ounces (1.5lb) = Rs.320 per Kg
7. Alfredo (White Pasta) Sauce (Classico's Brand) - $3.2 per 24 ounces (1.5lb) = Rs.320 per Kg
8. Peanut Butter (Creamy) (Great Value Brand) (40 ounces pack) - $1.75 per pound = Rs.263 per Kg
9. Premium Honey (Great Lakes RAW Brand) (24 ounces pack) - $4.33 per pound = Rs.652 per Kg
10. Hershey's Chocolate Syrup (Sugar Free) (17.5 ounces pack) - $2.725 per pound = Rs.409 per Kg
11. Pure Maple Syrup (Jasper's Brand) - $8 per pound - Rs.1200 per Kg
12. Smoked Hickory (Kraft's Brand) (2.5lb pack) - $0.788 per pound = Rs.118 per Kg
13. Guacamole (YUCATAN Brand) - $4 per pound - $4.5 per pound = Rs.600 - Rs.667 per Kg
14. Ginger-Garlic Paste (SHAN Brand) (700g packing) - $3.25 per pound = Rs.470 per Kg
15. Indian Chutneys (SWAD Brand) (Garlic, Ginger, Coriander, Coconut, Tamarind, etc) (7.5 ounces pack) - $9.36 per pound = Rs.1400 per Kg
16. Indian Sauces (Multiple Brands) (Madras Curry, Butter Masala, Tandoori, etc) (12 ounces pack) - $7.5 per pound = Rs.1125 per Kg

Common Powdered Ingredients -

1. Sugar (Great Value Brand) (25lb Pack) - $0.48 per pound = Rs.72 per Kg
2. Stevia (Liquid) (160 servings pack) (Great Value Brand) (9.8 ounces Pack) - $8.13 per pound = Rs.1210 per Kgservings pack) (Great Value Brand) (1.68 ounces Pack) - $1.63 per ounce = Rs.3760 per Litre
3. Stevia (Powdered) (160 servings pack) (Great Value Brand) (9.8 ounces Pack) - $8.13 per pound = Rs.1210 per Kg
4. Cofee (Medium Roast) (100% Arabica Beans) (Sam's Choice Brand) (40 ounce Pack) - $3.175 per pound = Rs.475 per Kg
5. Instant Cofee (Dark Roast) - $9.25 per pound = Rs.1340 per Kg
6. Chocolate Chips (Semi-sweet) (Great Value) - $2.64 per pound = Rs.377 per Kg
   
   

Soft Drinks, Beers & Juices -

1. Diet COLA (2 Litres Packaging, 67.6 fluid ounces pack) - $0.01 per fluid ounce = Rs.23 per Litre
2. Diet Coke (Caffeine Free) (2 Litres Packaging) - 0.028 per fluid ounce = Rs.50 per Litre
3. Orange Juice (Great Value Brand) - $0.028 per fluid ounce = Rs.135 per Litre
4. Key Lime flavoured Lemonade (Summerades Brand) (2 Litres Packaging, 67.6 fluid ounces pack) - $0.012 per fluid ounce = Rs.27.3 per Litre
5. Jarritos (Mexican Soda) (4 pack) - $0.6 per liter = Rs.40 per Litre
6. Beer (Modelo  Especial, Corona Extra, Pacifico, Heineken) (24 Pack) - $0.95-$1.05 per bottle

Desserts -

1. Indian Sweet Cheeseballs (Gulabjamun & Rossogolla) (1Kg Pack) - $3.18 per pound = Rs.478 per Kg

Snacks -

1. Nachos (Cheese Tortilla Chips) (Medallion Brand) (Naturally Flavoured) (9.625 ounce Packaging) - $0.1 per ounce = Rs.241 per Kg
2. Popcorn (Premade) (Brim's Brand) - $0.1 per ounce = Rs.93 per Kg
3. Potato Chips (Home Style Select Brand) - $0.16 per ounce = Rs.56 per Kg
4. Cashews Havles & Pieces (Salted & Roasted) - (Great Value Brand) (24 ounce pack) - $6 per pound =  Rs.900 per Kg
5. Wasabi coated Green Peas (Hapi Brand) -  $7.23 per pound = Rs.1085 per Kg
6. Peanuts (Dry Roasted & Salted) (Great Value Brand) -  $2.72 per pound = Rs.390 per Kg
7. Peanuts (with Thin covers, only shell removed, Unsalted) (DEEP brand) - $2 per pound = Rs.285 per Kg
8. Walnut Halves & Pieces (Fischer Brand) - $4.95 per pound = Rs.741 per Kg
9. ALMONDS (roasted & salted) - $6.835 per pound = Rs.1025 per Kg
10. ALMONDS (whole, natural & organic) - $5.98 per pound = Rs.900 per Kg
11. PISTACHIOS (with shell) - $6 per pound = Rs.870 per Kg
12. PISTACHIOS (without shell, internal nut meat only) - $12.213 per pound = Rs.1830 per Kg
13. RAISINS (Sun Maid Brand) (20 ounce pack) - $2.625 per pound = Rs.395 per Kg
14. PITTED DATES (Sun Sweet Brand) - $5.56 per pound = Rs.835 per Kg
15. Asian Instant Noodles (Multiple Brands) (~50g per Pack) - $4 per pound = Rs.600 per Kg
16. Indian Cuisines (Multiple Dishes) (Ready to Eat) (Different Brands) (200g to 300g Packs) - 3.86 to $4.2 per pound = Rs.580 to Rs.633 per Kg
17. South Indian Cuisine Powders (Add Water) - $7.25 per pound = Rs.1092 per Kg

Stomach Fillers -

1. Russet Potatoes (20 lb pack) - $0.15 per pound = Rs.10 per Kg
2. Red Potatoes - $0.33 per pound = Rs.48 per Kg
3. White/Wheat Bread (Busy Baker/Great Value Brand) - $0.72-0.8 per pound =  Rs.110-120 per Kg
4. Double Fiber Bread (Bimbo brand) (3x24 ounce Pack) - $1.11 per pound =  Rs.161 per Kg
5. Rotis (Chapatis) (Malaysian Parontha) (SWAD Brand) (5 count Pack) - $2.25 per pound = Rs.337 per Kg
6. Tortillas (Nuevo Leon Brand) (12.7 ounce Pack) - $0.88 per pound = Rs.169 per Kg
7. Tortillas (High Fiber) (Ole Extreme Brand) (24 count Pack) - $3.75 per pound = Rs.545 per Kg
8. Long Grain White Rice (Pampa Brand) (2lb Pack) - $0.5 per pound = Rs.75 per Kg
9. Long Grain Enriched Rice (Great Value Brand) (20lb Pack) - $0.446 per pound = Rs.67 per Kg
10. BROWN RICE (Organic) (6 pound bag) - $1.66 per pound = Rs.250 per Kg
11. OATS (Quaker Brand) (42 ounce pack) - $1.35 per pound = Rs.203 per Kg
12. Corn (Bulk) -  $0.9 per pound = Rs.130 per Kg
13. All Purpose Flour (Great Value Brand) (5lb Pack) - $0.344 per pound = Rs.51.6 per Kg

Pizza -

1. Pizza Crust with Pizza Sauce (Mia Brand) (1 ounce Twin Pack, x2) - $1.99 per pound = Rs.296 per Kg
2. Pepperoni Pizza Crust with Mozzarella Cheese and Pizza Sauce (Tony's Brand) (18.56 ounce Pack) - $2.155 per pound = Rs.323 per Kg
3. Pizza Crust (Ultra Thin) (1 Pack) - $3.33 per pound = Rs.500 per Kg

Non-Vegetarian (Meats) -

1. Eggs (18 Large Eggs Pack x2) (Twin Pack) - $0.066 per Egg = Rs.4.5 per Egg
2. Chicken (Tyson Brand) (Whole) (With Bone & Skin) (Water Added) - 36% Protein - $0.8 per lb = Rs.115 per Kg
3. Chicken Breasts (Generic Non-Branded) (Boneless & Skinless) (Water Added) - 46% Protein - $1.3 - $2 per lb = Rs.296 per Kg
4. Chicken Drumstick/Leg Quarters (Generic Non-Branded) (With Bone & Skin) (Water Added) - 36% Protein - $0.5 per lb = Rs.72 per Kg
5. Pork (Tyson Brand)  (With Bone & Skin) (Water Added) (Full Chicken Twin Pack, x2) - 36% Protein - $0.97 per lb = Rs.144 per Kg
6. Pork (Superdale Brand) (Ham=Thigh) (With Bone & Skin) (Smoked, Ready to Eat) (Water Added) - 14.28% Protein - $1.48 per lb = Rs.218 per Kg 
7. Shrimp (Multiple Brands) (Headless) - $6 to $10 per lb = Rs.870 to Rs.1450 per Kg
8. Fish (Tilapia) (Whole, Product of China) -  $2 per lb = Rs.286 per Kg
9. Fish (Catfish) (Fillet, Product of USA) -  $4 per lb = Rs.572 per Kg 
10. Fish (Salmon) (Fillets, Product of USA) -  $5 per lb = Rs.572 per Kg 

 

1.  Cheap Sellers -
   (Always check "seller rating", should be at least 80%)
   
   • Paytm.com (Minimum 10% Cashback) 
   • Shopclues.com (Coupon Code) (Minimum 9% off) (Maximum 13%=Rs300 off)
   • Ebay.in (Coupon Code) (Minimum 8% off) (Maximum 35%=Rs300 off)
     
     
2. Premium Sellers -
   (Always check "product rating", should be at least 80%)
   • Amazon.in (also junglee.com) (Only offers seasonal and daily deals)  
   • Flipkart.com (5-10% off on specific products for using specific payment methods)
   • Snapdeal.com (Coupon Code) (0-5% off on using specific payment methods)
     
     
3. Cashback Websites -
   (Turn on tracking & disable Adblock for cashback to be tracked)
   
   • cashkaro.com
   • gopaisa.com
   • shopback.in
   • sitaphal.com
     
     
4. Payment Wallets -
   (Pay using any of these wallets anytime possible)
   
   • Payumoney.com (Minimum 1% off)
   • Paytm wallet (Cashback Code) (offers 0-15% cashback)
   • Mobiwik wallet (Cashback Code) (offers 0-15% cashback)
     
5. Overpriced &/or Understocked Sellers -
   (Dont buy from these sellers for obvious reasons)
   
   • askmebazaar.com
   • shopping.rediff.com
   • infibeam.com
   • homeshop18.com
   • shopping.indiatimes.com
   • naaptol.com
   • shimply.com
   • cromaretail.com
     
6. Asian websites that ship products to India -
   (Buy if you can wait for month(s) for the product)
   
   • aliexpress.com
   • dhgate.com
   • Only for Gadgets
     • banggood.com
     • geekbuying.com
     • dx.com
     • ankaka.com
     • ipmart.com
       
       
7. Buy old products/Post free classifieds -
   (Buying is mostly limited to local areas of the seller)
   
   • olx.in 
   • quikr.com
     
     
8.  Buy Clothes/Accessories -
   
   • jabong.com (Coupon Code) (25-40% additional discount during flash sales)
   • myntra (Coupon Code) (opens only on Mobile App)
   • trendin.com
   • americanswan.com
   • zovi.com
   • koovs.com
   
   
9. Buy refurbished/unboxed/pre-owned gadgets -
   (Buy if you are fine with Dealer/Seller warranty)
   
   • overcart.com
   • gozunk.com
     
     
10. International Trade, Import/Export -
    (Useful if you are a reseller/bussinessman)
    
    • alibaba.com
    • indiamart.com
      
      
11. Price Comparison Websites -
    • mysmartprice.com
    • bagittoday.com
    • cheapestinindia.com
    • eshoponline.co.in
    •  Only for Gadgets
      • smartprix.com
      • buyingiq.com
      • compareraja.in
      • rupeesaver.com

1.  Linen -  It is made from the fibers of the flax plant. Linen is laborious to manufacture, but the fiber is very absorbent and garments made of linen are valued for their exceptional coolness and freshness in hot weather. Textiles in a linen weave texture, even when made of cotton, hemp, and other non-flax fibers, are also loosely referred to as "linen". Such fabrics generally also have their own specific names.
2. Corduroy - This textile composed of twisted fibers that, when woven, lie parallel (similar to twill) to one another to form the cloth's distinct pattern, a "cord." Modern corduroy is most commonly composed of tufted cords, sometimes exhibiting a channel (bare to the base fabric) between the tufts. Corduroy is, in essence, a ridged form of velvet.
3. Denim - A sturdy cotton warp-faced textile in which the weft passes under two or more warp threads. This twill weaving produces a diagonal ribbing that distinguishes it from cotton duck. The most common denim is indigo denim, in which the warp thread is dyed, while the weft thread is left white. As a result of the warp-faced twill weaving, one side of the textile is dominated by the blue warp threads and the other side is dominated by the white weft threads.