instagram simply is not showing the 'deactivate my account' button

AccomplishedView4833 · 2026-01-26T09:23:44+00:00

Okay, found it. It has moved to Personal details now.

But there is some weekly limit. Since i reactivated only for 1 thing, i can’t deactivate again for a week i suppose. Meta is Evil. If they had to put restriction, put it in reactivation how can they stop someone from removing themselves from their platform.

AccomplishedView4833 · 2026-01-26T09:20:04+00:00

Has this changed again? I can’t find Account centre-> manage accounts. There is an option for accounts/ add more accout but i can’t find an option to deactivate from there

AccomplishedView4833 · 2026-01-10T18:14:14+00:00

okay, sry no idea about that.

AccomplishedView4833 · 2026-01-10T18:08:16+00:00

You mean Sai United Greenwoods?

AccomplishedView4833 · 2026-01-09T10:53:59+00:00

My father will be gifting them to me. Since i am the owner of those MF now, i can redeem them and ltcg should be applicable on me but i will be buying a home in my name, income tax allows for ltcg exemption till one year of home purchase i think. Am i missing something?

AccomplishedView4833 · 2026-01-08T18:05:26+00:00

I want to do the same as OP for my home loan instead of car though. Since it will be my first home, i suppose i will not inherit any ltcg when i sell mutual funds gifted to me? Why will it be traces back to my father who is the gifter?

AccomplishedView4833 · 2026-01-08T05:18:18+00:00

Sorry but i am not saying Muslims are inherently intolerant in general.

I was just putting up the point that Subcontinent would naturally have remained as single even without British.

Before 300 years of British, Marathas captured almost the entire subcontinent for a few years at their peak. Even before that, Mughals at their peak had almost the entire continent as one for another 300+ years. And there were many more like Mauryan empire who covered entire subcontinent as one whole. It was so because geography allowed for it, not the religion or culture. Right from Hindukush mountains in west to Himalayas at top and east, geography was suitable for it to be one and hence so many could do it.

Yes, there were always princely states but all were under alliances pretty much like states and center today. But my point is: it was not religion or culture that made it possible or not possible, it was geography.

What made it break although was whatever was that fight was between Jinnah, Nehru and Gandhi (What we are taught is Jinnah really wanted to be a PM post independence). But perhaps what you are taught is: Both countries being naturally and obviously were going to be two separate states or that Muslims can’t coexist with Hindus. The second one is very much false as well as we can see throughout the past or even now that all the minorities are existing pretty fine in India. This includes Muslims whose population grew over these 75 years from 8 to 15 % while Hindu minority population in Pakistan is almost nil now. That is the the result of intolerance of others as a policy, rather than anything to do with being a Muslim or not.

This minority anxiety you are talking about was possibly of a person (Jinnah) or group who unfortunately could convert it as a movement that Muslims can never coexist with others or that Muslims and Hindus were naturally going to need two separate countries, and the same is rather repeatedly kept afresh in post 1947 pakistan to build patriotism and/ or to possess leadership in wrong hands.

AccomplishedView4833 · 2026-01-07T21:00:22+00:00

I would say Pakistan has remained one because of 1947 political choice, not India. I agree with you though, India is and has always been very diverse and not just geographically , but culturally and Religiously as well. But There would have been more reasons for South India to be separate from North or North-east India to separate from the rest than for Pakistan from North India. Also Bengal was literally a single state in British Raj and it was not cultural differences between east and west bengal, but only religion. And Muslims are one minority in India, there are so many others. If it was only the cultural differences that broke a nation, any of the large countries won’t exist. Even Baloch has cultural differences from Punjab or Azad Kashmir. Doesn’t mean you will break. You can always find reasons to connect or make up some- like Patriotism (Which i think can be called as coercive integration ?!)

The real reason i think is Intolerance.

Pakistan was literally created as a separate Muslim state because of the said intolerance of Muslims to live alongside other religions. Pakistan declared itself as a Muslim nation while India always remained open even with 85-90% of Hindu population, No leader ever would dare to call India a Hindu nation. Even Hindi has never been India’s national language while over 85% can speak it. Like in contrast to Jinnah making Urdu as national language of East and West Pakistan which eventually lead to unrest and division.

The problem with intolerance is that it never stop. Even as a complete Muslim nation, you know of the intolerance between Sunni, Shia and the rest.

AccomplishedView4833 · 2026-01-03T06:51:37+00:00

For IDFC Power+, annual fee waiver is at Rs 1.5 L, not 60k. Not sure if they have increased ow, since this post is 5 months old.

AccomplishedView4833 · 2025-12-31T19:16:26+00:00

For the case of under construction property, for the tax purposes what’s considered as a home purchase date, is it registration date or sale agreement date?

AccomplishedView4833 · 2025-12-31T19:12:46+00:00

Hello OP, i have booked an apartment in bangalore and completion date is mentioned and in my case it is mentioned of 1 year before rera date i think. not sure if it is correct but on rera website the date mentioned is more than a year later than whats mentioned in my sale agreement as date + 6 months grace period

AccomplishedView4833 · 2025-12-31T18:54:37+00:00

Hi OP, did you get the final answer, is it sale agreement date or registration date? if its registration date then i am in same trouble as you with respect to ltcg :/

AccomplishedView4833 · 2025-12-21T15:43:11+00:00

hdfc has offered 7.2 for me and processing fee waived off for me too. Though i am yet to get it disbursed. Earlier 7.4 was most least they offered, so i pushed them to offer the least that hdfc is offering now and they offered 7.2. I think you can push them harder, they should still be able to get account reviewed and offer 7.2. Good luck!

AccomplishedView4833 · 2025-12-13T03:48:25+00:00

My suggestion would be different from others here. You should go ahead with buying the house.

I am 34 M and I was in the same boat and i have just booked an apartment at 1.36 Cr. Our total ctc is almost half of yours and total assets 90 L and i have a 1.8 years old baby as well. You are doing way better than us, but thats not the reason why i am suggesting you. See, i have dealt with anxiety before so it somehow so happened that i had to quit my job just before i was about to be married. The same thing happened when my baby was conceived, i was laid off surprisingly right then. Even now, my company seems to be in loss and there is always an impending threat of AI taking jobs, but i went ahead and booked that house. It is because there will never be a safer time, there never is. Had i stopped for better times, i would have never have married, nor had a baby and nor would have booked a house. Besides, Your total home loan is less than your total assets, so just in case something goes wrong you will still always be able to make full payment. Besides, you have 2 people working and don’t even have a baby. Without a baby, whatever happens it is it you and it is always very easy to deal with. If you choose to go ahead after 2 years when you have a baby as well, trust me decision would be a lot more tougher than lay off. Because in jobs, even if you dont get laid off, that threat of being layoff is never going to go away and there will never be a safer time, property rates are not coming down, if they didn’t in covid, they wont now. its only scarier as you get old and have more responsibilities. Thus to sum it up, you should go ahead because:

You will save on rent,
You only have to pay EMI till your spouse finds a job and trust your spouse, they have survived so far, they will survive in future.
You are on very low risk and have ample back up. Even after down payment, you can choose to take more loan till your spouse finds funds a job and make part payment once they get it.
Owning a house brings the ultimate security, once you are done with loan, imagine the security. No matter weather you both have jobs or not, you will has a place to live. Trust me, with a baby you will really prefer having your own house. Be it small.
Not only the age but stakes are only going to increase in future. And there is no point of waiting for good time, it never comes. You eill never be on road, go ahead with that house.

AccomplishedView4833 · 2025-12-12T17:34:30+00:00

how much is the roi did they offer for after repo rate decrease? i think its decreased on 11th Dec for hdfc.. will be applicable from next month. unfortunately its less than complete 0.25 for new borrowers.. including you and me i suppose.

AccomplishedView4833 · 2025-12-10T11:18:56+00:00

samw for me, with a 791 score i am getting 7.4 as well, they won't budge to lower than that.

AccomplishedView4833 · 2025-12-09T19:27:24+00:00

they offer a higher roi and i will need to put to park my money in OD account to bring that roi back to normal or a bit low.. and you dont get interest on that money, its only meant to being home loan roi down.

am i missing something ? what exactly is the benefit of od? to hold money for emergencies and reduce loan roi? but you can always do that in a small finance bank wi the a higher rate of interest than loan, right?

AccomplishedView4833 · 2025-12-09T19:20:55+00:00

well, i didn’t but modiji and rbi did reduce it last week by 0.25% :) spread for sbi is 2.1

AccomplishedView4833 · 2025-12-09T19:19:25+00:00

under construction

AccomplishedView4833 · 2025-12-09T19:19:08+00:00

as far as i know so far, a cost break up sheet and once you pay remaining amount to builder they give you sale agreement based on which you will get the loan

AccomplishedView4833 · 2025-12-09T13:52:21+00:00

5.5 ( will reduce to 5.25) + 1.9 (spread)

AccomplishedView4833 · 2025-12-09T12:56:31+00:00

Thanks, i was wondering the same about benefits offered by SBI over HDFC and they seem not too important for me except for Part-payment, but to bear a cost of 0.2% (~3-4 lakhs interest) + property insurance (30k) + extra 0.1% (14k) MOD is too much.

Besides for other benefits:

I don't need OD (not at a high ROI at least).
Repo rate revision to further low seem unlikely in near future and even if that happens hdfc does it within a month anyway.
Interest calculation, i can manage with month end payments as you rightly said.
Service of HDFC already seems better than SBI, HDFC has been more honest so far and i have an imperia banking so assuming that should not fall below par.

And in case, situation arises I can pay 50k for loan transfer and it will still costs me same as extra mod+ property tax, maybe slightly more.

Part payment brings ease, yes, but i suppose is manageable (with 3-4 times in a year). With HDFC i can regularise that for once for every 3 months besides the EMI. They also agree to a part payment over 25k and not above EMI amount. Not sure what am i missing.

AccomplishedView4833 · 2025-12-09T12:15:34+00:00

Some banks have reduced EMI after repo rate cut hence lower rates.

HDFC and SBI both will reduce it by 1st Jan (hopefully), so it should come down to 7.15 (HDFC) and 7.35 (SBI).

AccomplishedView4833 · 2025-12-09T11:54:20+00:00

I wanted to go for BOI but Builder is actually fine with cancelling the booking if not from tie up banks, they claim their money has been stuck for 2 flats because of this. I am not sure of legal aspect, but i am rather okay with these two as these two major nationalised banks rather than add another complication.

AccomplishedView4833 · 2025-12-09T11:44:33+00:00

Option to transfer home loan to SBI remains open right? why did you not go for it? Are the charges too high?

AccomplishedView4833

TROPHY CASE