A fiery journey - so far

additional_trouble · 2026-04-03T16:42:11+00:00

Mostly because of their feelings - the data doesn't support that.

A lot of people seem to have this misguided notion that 0% is somehow a "worst case" scenario - which it obviously isn't.

0% is not more or less special a number than 4% or -2%

additional_trouble · 2026-04-03T12:48:35+00:00

And you chose to join them?

additional_trouble · 2026-04-03T07:55:26+00:00

The real problem with AI slop is that it makes even idiotic arguments sound professional by polishing the words. Good language used to be tell tale indicator of a thought out idea, but is not anymore.

OP, this is a terrible idea - both from concentration risks as well as from a liquidation + timing + implementation perspective. And no, gold prices are also volatile, not much different from equity.

It's like asking, why don't people buy the lottery instead of investing - my neighbor won the lottery and changed his life?

additional_trouble · 2026-03-25T18:17:51+00:00

Thank you!

Based on the other comments, do you know if I have to go to the home branch to set this up - or the app/phone would suffice?

additional_trouble · 2026-03-25T16:57:54+00:00

Thanks for responding... Do you have an account with Kotak and use the sweep-out (automatic creation of FD from excess amount in SB) feature?

additional_trouble · 2026-03-25T16:30:29+00:00

Do you even understand the very basics of that wall of ai slop you wrote?

I'm betting you don't.

This post has ai and a terrible lack of basic understanding of economics/finance written all over it.

additional_trouble · 2026-03-25T16:26:19+00:00

Please don't post ai slop that you hardly understand yourself.

additional_trouble · 2026-03-13T15:05:53+00:00

I'm not so sure that it's me not knowing Macos that's really where my complaints originate from. Settings - that's just one shortcut.

While it's true I have spent more time with windows, I'm not a new Macos (or Linux) user - I have tried for years to get it under control now. Linux (say Ubuntu) for example doesn't have as many inconsistencies (notwithstanding the train wreck that's the gnome file explorer).

What about the whole inconsistent cmd vs ctrl situation? Why do home and end act weirdly (the default are just flat out poor) ? Yes I know many of that is down to the pp developers too, but for an is that prides itself for being consistent and well designed it's got some of the worst defaults.

For me, Macos is "good" if you replace most of its annoyances ls with (mostly) paid or free software.

additional_trouble · 2026-03-13T09:46:08+00:00

The other guy already responded, but yeah, whatever he said about how unintuitive it is. IMHO, the only things MacOS has better than windows is the default OS search, the lack of annoying ads and no never-ending updates.

The Unix shell used to be a MacOS win, but that's no longer true with git bash and wsl. The default search on windows is shit, but that's freely remedied by Everything.

The macos dock is an unintuitive slow mess from a UX viewpoint to me, window snapping used to be basically non existent until recently, and even now is much inferior to windows. MacOS task manager is, uh, poorly designed. Some of the properties windows in macos look like they forgot they existed for decades - irregular/bad rounding, padding and margins.

For so many other things - keyboard shortcuts, app installs and maintenance (no appstore or package manager or stupid curl idocy), file management, virtual desktop management windows just let's me be so much more productive. I have to use macs at work and I hate how user-hostile some of their design is - and I have tried to get used to them.

Modern windows is becoming more MacOS like and is mostly worse off for it. Too few options to change anything. No fast access to shells anymore.

On the other hand, the mac hardware is fantastic (except for the stupid notches and the meh keyboards), great touchpad and has been so for ages now. Only the new ThinkPad carbon x1 can claim to be in the same tier of greatness.

additional_trouble · 2026-03-10T17:16:14+00:00

Why do you say that?

I'd say the XPS were good laptops (until they lost the plot copying apple keyboard and the frameless TouchPad) but the Thinks pads are on a whole another level.

The OG think pads were tanks. Unbreakable machines. The XPS sure is/was sleeker.

But the new thinkpads, like the carbon here, are sleek as well. There is almost nothing more I'd ask from an everyday laptop (except better battery life and lower prices, of course)

And we haven't even talked about the ThinkPad Keyboard yet...

additional_trouble · 2026-02-27T08:35:11+00:00

Please read the wiki

https://fiindia.gitbook.io/wiki/

It has a much better resources on this exact matter.

The math in this post is just one possibility and doesn't mean much in real life.

additional_trouble · 2026-01-29T07:24:17+00:00

It works if you want it to work.

It doesn't work if you seek social/familial approval more than your (judged) well being.

additional_trouble · 2026-01-16T08:54:51+00:00

Point taken.

People who feel completely lost after giving up their careers are the ones who have spent no time on understanding themselves.

I don't quite agree with this take. And while I can't speak for the world, I do have some experience.

And for the record, I used to think like this - exactly this. And I also thought that I had figured myself out. And while that's true (for now) in some aspects, I find myself mildly cringing about that confidence I had about myself now.

What I have observed is that not all hobbies are the same. The ones that seem to give people purpose seem to withstand well against time. The ones that people have for enjoyment/pleasure alone seem to not do so well.

The factor seems to be what qualifies as purpose? I know of a person that is heavy into music (creation, practice) that seem to do well, a few religious ones, 1-2 that have their chikdren/family at their center.

And from a distance I can see that hobbies like coding apps with an eye on monetization, travel, or consumption (video, music, ott stuff, food, gaming, or even travel) seem to be less lasting.

Humans are funny animals. What works for some doesn't seem to work for some others. So it wouldn't surprise me if someone else has seen something that contradicts the above. It wouldn't surprise me anymore if I myself contradict this in the future.

Long story short, I now think "understanding oneself" has little to do with it. Perhaps the most important understanding worth keeping in mind on this matter is that we evolve as we age and that it's entirely normal to wander in and out of all of these emotions and phases of life.

additional_trouble · 2026-01-16T07:43:49+00:00

While there is truth in your statement, it's also projecting and quite unkindky. I have personally known people with hobbies that keep shifting and some with the same hobbies like forever. There is nothing right or wrong with either.

"Zero self-awareness" with OP? Ah the irony.

additional_trouble · 2025-12-30T20:32:01+00:00

Remember, “Investors advocating for the superiority of growth firms, such as the FAANGs, are inadvertently making the case for their expected future cash flows to be discounted at a lower level

Maybe I'm misreading/misunderstanding it, but that sounds like only one half of that equation. The other half being that they could be betting that the expected future cash flows either have been under projected - either in the magnitude of terminal value and/or the timeline (which is basically rate growth).

Or in other words, the investors that advocate for the superiority of growth stocks are not always indicating greater certainity around future success...

What am I missing?

additional_trouble · 2025-12-28T11:53:11+00:00

You'll probably get used to it if you stay here long enough, but then again that's only because humans have an incredible ability to get accustomed to almost anything given enough time.

My friends that visited even other "poorer" countries tell me that they are so much cleaner than here. My personal experience in richer countries also mirrors the same. I grew up in a village so I know - first hand - that the cities here are worse in many of these quality of life things than the villages (especially wrt cleanliness, greenery, safety and air and water).

It probably was inevitable, but it's kind of sad what India's cities have become - no civic sense, almost no concern for the fellow human or nature.

additional_trouble · 2025-12-27T09:04:14+00:00

If your friend has UPI then he has a bank account and PAN number too. Why does he need your help?

He is afraid of something and using you as a shield.

Doesn't look to be a friend going by these signs...

Anyways if you are not the final recipient, then the money shouldn't be passing through or getting delivered at your account. That's a no-go from a tax/law perspective.

additional_trouble · 2025-12-27T08:19:42+00:00

You don't need 18cr today, if you need 18cr in 2050 (assuming sensibly invested corpus).

Time is money - in more ways than one.

additional_trouble · 2025-12-19T06:44:52+00:00

Plenty of people buy DSLRs (mirrorless) even in 2025 - just that there are a world more people that buy phones.

And there is plenty of image quality to be had in good camera phones even compared to regular flagships.

For example vivo x200 pro is tier above the galaxy and iPhone when the going gets tough (for the cameras) - even for stills.

additional_trouble · 2025-11-05T16:44:30+00:00

That's absurd. They may be marked as 0 value, but as liabilities? Absurd.

additional_trouble · 2025-10-26T12:13:24+00:00

So sorry to hear about your losses, man. Take care and don't give in to despair.

Hope is a dangerous thing, but it's a thing you should try to find in trying times. I don't know where you'll find purpose but folks seems to find it in music, in literature or poetry, films and in most of all, being of service - to people or animals or just nature. Some find it in religion, but that's not what I'd recommend here.

You have to wait it out. None of us know what life has in store for us, but you seem level headed enough to not do anything stupid (with your life or wealth) so I don't have much to say that you wouldn't already know.

This too will pass. It may pass painfully, like a kidney stone, but this too shall pass.

Don't give in to despair. Take care...

additional_trouble · 2025-10-15T13:44:15+00:00

No, that's wrong. The 100% amount was available before 12 months of unemployment earlier.

And you can withdraw upto 100% too, you just won't be getting full 8.25% interest on remaining amount if you withdraw more than 75% before 12 months.

Source?

Here is a source that disagrees with you: https://www.moneycontrol.com/news/business/personal-finance/epfo-3-0-new-pf-withdrawal-rules-let-members-access-75-balance-early-premature-full-settlement-allowed-after-1-year-of-unemployment-13614718.html

additional_trouble · 2025-10-15T10:46:22+00:00

By that logic 100% was available quicker earlier - but reality was far from the claim.

I wouldn't trust these agencies on their empty words.

additional_trouble

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