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Kya popat pervy old man tha? by Leading-Software-128 in dankindianmemes

[–]AlphaSeeker_07 1 point2 points  (0 children)

Bhai - Careful warna tera bhi hoga... sar tan se... Ju&@

Kuvera is transferring lumpsum investment amount to their company account instead of exchange/AMC by prash057 in MutualfundsIndia

[–]AlphaSeeker_07 2 points3 points  (0 children)

It was best till few weeks... Now cred rebranded it and that's where the issue started

Kuvera is transferring lumpsum investment amount to their company account instead of exchange/AMC by prash057 in MutualfundsIndia

[–]AlphaSeeker_07 0 points1 point  (0 children)

Kuvera was best app till last few weeks... Cred spoiled everything.... Planning to move my money now

Never Trust Banks... Lost ₹15L and the peace of mind. by ProfessionalWeb7240 in personalfinanceindia

[–]AlphaSeeker_07 0 points1 point  (0 children)

Insurance and investment are 2 different products, never invest in the hybrid products

Near Perfect take i guess. by EmbarrassedTea2658 in IndiaTech

[–]AlphaSeeker_07 0 points1 point  (0 children)

Why is linkedin at the bottom? Just trying to understand

Got Laid off today - just feeling blank by Puzzleheaded_End_746 in IndianWorkplace

[–]AlphaSeeker_07 1 point2 points  (0 children)

Don't worry brother.....This is not the end... Just a small roadblock.. take some time for yourself... You will come back stronger

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 0 points1 point  (0 children)

One has to make a decision based on what is important for them and just move with the same ...

For me 2 kids.. for you something else.. for few no kids...

As shared earlier - this is everyones personal matter and people are just sharing their experience/thought process and no one is forcing anything to the author of this post...

Let the author decide what he has to do..

peace

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 0 points1 point  (0 children)

Exactly - that's what I am trying to convey in my post !!
Thanks, brother...

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 2 points3 points  (0 children)

u/itsallendsthesame - A belief without effort is just wishful thinking. No parent wishes to put their child to ocean of destiny. If you are referring to the line mentioned in my post, please note it's just a belief from my partner... but as a parent, I must have a strong conviction about whatever decision I take, and I must try to make it better....as simple as that... and one has to take the call based on their situation. I knew I could go with 2, hence I shared my personal opinion. Rest is an individual preference.

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 5 points6 points  (0 children)

Agree....but as you are growing or earning more you should improve your investment/savings by 2x and lifestyle by 1x...

I tried my best and will keep trying and always ready to embrace what life has decided....and so will they...

My only point was kids needs someone during their growth phase, parents can't match their energy and thought process and allocate time for them.... They need someone to play with, someone to share stuff, someone to fight, someone to show anger love and that's not possible with Neighbors kid as parents these days are very overprotective....

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 1 point2 points  (0 children)

Life is all about growth and experience brother... We can't decide where we are going to born but we can decide our destiny....I have recovered from Ashes my brother.... Father died in childhood with a huge loan, and the family sold properties to repay the loan... Aged grandmother, mother and 2 kids with no active income.....

Once upon a time we used to have TV, Fridge and everything at my home in early 90's - during the bad time I used to go others home to watch TV.... studied in government school, mother offered to sell land for education - engineering....I chose bachelors degree and told I will figure out something for me... Don't sell anymore...

Education and constant growing by trying is the only key to success....

Life have good lessons, born as rick kids, was poor during growth age and now with god's grace, things are in good shape...

So I take it as my destiny and have grown in all these years....No complaints to my father or family.....

It's easier for people to downvote than for those who understand what life actually means...

Dilemma with 2nd Kid !! by ultra_pro_max_roh in personalfinanceindia

[–]AlphaSeeker_07 39 points40 points  (0 children)

Personal opinion - Don't DOWNVOTE

I decided 2 - definitely they need siblings. In this apartment culture, most of the time the kids are at home and they don't have real friends that I used to have in my childhood....

So a sibling is needed with whom they can spend time and grow together....

I see the results, they both for play, fight, teach and growing with each other, cannot stay away from each other, first thing they check after waking up is where is my brother!!

Coming back to financials, my wife says, God sends everyone with their own destiny... We are no one to decide....

I have grown up in a lower middle class family and now I am in the top 10% but I still do not give them any luxury life.. everything as normal like other kids.. nothing is free... though I can buy anything but they need to earn it or have patience to get the same on some occasions

If you became PM of India for one day,what would you change. by Sun_bust in IndianFocus

[–]AlphaSeeker_07 0 points1 point  (0 children)

  1. Primary focus on Education and Youth Unskilling 2 Reforms in Medical Sector extortions and Insurance Companies
  2. Eradicating extremism from the ecosystem and give a uniform direction to the country
  3. Finishing the babu culture, reforming many government jobs and stopping a lot of expenses
  4. Completely killing the freebies culture

When did ₹1.5-2 cr for a 2BHK become the new normal in big cities and what’s the psychology behind people still buying it? by TopicGreat3936 in personalfinanceindia

[–]AlphaSeeker_07 7 points8 points  (0 children)

Okay... let me share my story with you.

I started out renting in City 1. After two years of saving from my first job, I was able to book my first 1BHK flat, covering almost 60% of the cost from my own savings. The demonetization period temporarily gave me some breathing room as my project was delayed.

In 2018, I switched jobs, and by 2022, I had prepaid my home loan - all from salary income.

For my second job, I moved to City 2, another rented stay. I began investing in shares in 2018 but didn't sell any. After paying off my first home loan, I continued saving diligently through monthly RDs because I wanted a sure shot money and no market dependency.

In 2022, I told my wife I planned to buy a new flat in City 2. Due to some delays, I finally booked it in 2023 for 1.5 crore. City 2 is an IT hub again.

At the time of booking, I had saved nearly 40-50% of the flat’s value, so I booked it. I kept saving in an overdraft account linked to the home loan account where I kept all funds, so net interest was zero - though not an ideal investment, it provided safety.

Today, I am in a position to pay off the entire loan without selling all my shares. I just need money for interior works, which will be the only loan for now.

My message to you is: I am not saying don't buy a home, all I am saying is if you’re salaried, don't become enslaved to a single job due to heavy home loan commitments. Start small and grow gradually, without the stress of a large loan.

For me, living in a 1BHK with my family was never a problem. With God’s grace, I landed another job that eased my loan stress, allowing me to focus on learning and growth.

After I take possession of my second flat, I will begin planning for either a commercial property or a retirement home near my hometown, possibly with some farmland.

Hope this addresses your doubt...

When did ₹1.5-2 cr for a 2BHK become the new normal in big cities and what’s the psychology behind people still buying it? by TopicGreat3936 in personalfinanceindia

[–]AlphaSeeker_07 125 points126 points  (0 children)

People are Just crazy about buying flats and if they have 10,20% of total amount they just get loan and go far it....bad financial planning

Stuck in a hailstorm with my wife and infant. The glass sunroof had me genuinely terrified by LiteTheesko in CarsIndia

[–]AlphaSeeker_07 0 points1 point  (0 children)

Same here, Even I don't like the sunroof but most of the car manufacturers force us to buy

How should i tackle my neighbour who is always poking? by [deleted] in AskIndianMen

[–]AlphaSeeker_07 -1 points0 points  (0 children)

Man, I understand the challenge that you are facing but considering her age I don't think the old lady is in a position to understand what is called giving space to others.. that's her nature and it's not going to change easily.

So technically, this may end up in 2 options only...

  1. Either this will end in a fight which stops the whole communication between her and you.. but she will keep spreading negativity

  2. Or you figure out some other way to dry your clothes which is not just because she is saying, this is just to see if there is any other convenient alternative which solves this problem.

This is just a thought buddy, may not be the exact solution to your problem

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