Hey everyone! Today I am comparing two products by Niyo.

One of them is the Niyo Global Card by DCB bank & the other is the Niyo IDFC Card.

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Niyo is known for providing multiple financial products but their claim to fame is their 0% forex charge debit cards.

Forex for who aren’t familiar is basically a short form for Foreign Exchange.

When you travel to a foreign country and you pay in a foreign currency you are charged a forex markup by your bank and that charge can be as high as 3.5%.

So for a $1000 transaction, you end up paying $1035 and these charges can slowly add up to a much higher number. …


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I was recently learning Node.js and while learning the fundamentals I created some notes for my personal reference but I thought they could be of use to others as well.

Below are the things I learned from this video by Mosh Hamedani.

  • Node.js is a runtime environment for running JS code
  • Has an Asynchronous and non-blocking architecture
  • Follows a single thread model
  • Uses EventQueue
  • Ideal for I/O intensive apps
  • Not ideal for CPU intensive apps
  • Node.js is basically a C++ program
  • Runs on Chrome V8 Engine
  • Uses modules such as os, fs, events, HTTP
  • Some functions are globally available: setTimeout(),clearTimeout(),setInterval(),clearInterval()
  • Global is the central…


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Photo by Samuel Chenard on Unsplash

Firstly, it’s completely okay to feel the need to ask this question. Believe me, everyone I know has asked this question to themselves and others at some point in their life and often multiple times.

Lately, I also have been asking this question a lot to myself and one of the primary reasons I started doing it was because of the realisations I had after coming across Sapiens by Yuval Noah Harari.

From Sapiens, I learned that we homo sapiens are like any other specie of animals.


We are building a business in India around all services and products that pet parent needs to make their pet’s life better.

And in this era of being mobile-first, we decided to make our Android & iOS apps the storefronts. And for anyone building a startup today, time is a very crucial resource and thus building two codebases for the Android & iOS apps didn’t make any sense, and thus Flutter came into the picture.

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Base Illustration Credits: unDraw

We were playing around with Flutter for a while even before we came up with this idea. But this time we had to take a serious look at things. And Flutter’s showcase page did an excellent job at convincing us that a production app can very well be built using Flutter. …


The DateTime class in Dart lets you do a lot of things with Time from getting the system time to parsing the time received from other sources.

But due to the ever-changing list of timezones and daylight savings, the DateTime class is not time zone aware.

And the ‘timezone’ package by the Google team solves exactly that by making DateTime class time zone aware.

It uses the IANA Time Zone databases which makes it reliable for use in production code.

But I felt that the readme section on the package’s pub.dev page is not updated with detailed instructions for use with Flutter. So I documented the steps while figuring out how to use it so that others don’t have to struggle as much as I did. …


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Google on 19th June announced the much awaited Google Podcasts app which looks like a very well thought of Podcast app, Google has tried to bring a podcasting solution multiple times in the past with Google Play Music and Google Listen but both of the solutions seemed incomplete in some or other way.

Google Podcasts, on the other hand, finally seems like a complete and well-cooked podcasting app for a change. Apple’s iOS ships with a Podcast app since forever and Google Podcasts can very well be called “the” podcast app for Android.

I have been fiddling around with the app since the launch day and here are my thoughts on the app. …


This article first appeared on redefined.tech.

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Sundar Pichai on stage at Google I/O 2016

Sundar Pichai led Google, this year at its annual conference announced a ton of things starting from Google Home to Instant Apps but what caught my attention the most was Allo because on one of these days I was wondering about the monopoly of Facebook in the messaging arena with two of the most used messaging apps namely Facebook Messenger and recently acquired WhatsApp and I came to a conclusion that no app can probably beat Facebook because of the number of users it has acquired since its existence but then comes Google with the Allo’s announcement to compete with Facebook, an app which is packed with features that were missing from the current messaging ecosystem. …

About

Udit Chugh

Tech, Psychology & Productivity Enthusiast.

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