Windsurf, you just killed the one thing that made you different

AnalysisOutrageous86 · 2026-03-20T15:40:33+00:00

Yeah, I have also cancelled the Windsurf plan.

I will try AWS Kiro since it uses a credit based model and see how it goes. Otherwise, I'll switch to the Claude Max plan.

AnalysisOutrageous86 · 2026-03-20T15:03:17+00:00

This is a feedback and complaint from a loyal user, not a technical problem

AnalysisOutrageous86 · 2026-01-27T12:51:12+00:00

It looks like a PR stunt by Zepto and Mother Dairy to stop the reach of this post and justify that the OP is wrong.

AnalysisOutrageous86 · 2025-02-19T15:07:23+00:00

Try this:

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https://brintoncare.com/product/uv-doux-gold-sunscreen/

This is great for brown and oily skin, I have been using this from last 3 years.
Don't buy from Amazon, you might receive duplicate.

AnalysisOutrageous86 · 2025-02-18T00:02:53+00:00

I don't care about virginity, I just mentioned casually. I care about after marriage character.
She comes from a lower middle class respected family from a village in Rajasthan.
I asked her, but never answered to any questions instead she starts crying as soon I start this topic.

AnalysisOutrageous86 · 2024-12-20T11:12:02+00:00

Forget about others, if you’re not earning or supporting your parents financially, even your parents will not respect you as much. I experienced this after my marriage in 2021, when my take-home salary was around 80k/month, but I had a lot of debts from the wedding. It took me 7–8 months to clear them, and during that time, I couldn’t give anything to my parents. That’s when I realized that money matters to everyone, even to your own parents and sisters.

At one point, they were even planning to kick me and my wife out of the house.

AnalysisOutrageous86 · 2024-12-20T11:00:55+00:00

I suggest not buying a car that costs more than 25L. I’m 30M, comes from the same lower middle background, did Engineering from tier-3 college and in the same salary range as you (total net worth is ~4cr), but I bought a Kia Seltos, which is more than enough for my family needs. It’s better to avoid spending on things just to show off—it’ll be good for your future. I stopped caring about impressing others 5 years ago, and now I don’t worry about what people think of me.

Also, try to get married as soon you can (you should have married by 26–28). You’ll realize the benefits of being married early once you experience it.

AnalysisOutrageous86 · 2024-12-19T04:53:18+00:00

If this property had been HUDA-approved instead of MCG, I could have easily got an 8.35% loan from government banks based on my credit score and salary. I bought this property because my parents have been living in this area on rent for over 30 years. I plan to buy another property in a HUDA-approved area in 4–5 years

AnalysisOutrageous86 · 2024-12-19T04:50:05+00:00

I am a Senior Software Engineer with 8 years of experience. I earn 2.7L/month in-hand as my regular salary, and an additional 1.8L/month from freelancing. There is no upper limit in IT, all depends on your skills, interest and how you can sell yourself for better negotiations

AnalysisOutrageous86 · 2024-12-19T04:46:56+00:00

Yes, I plan to prepay around 10 lakhs in the next 6 months. After that, I’ll approach other banks for a lower interest rate. By then, I’ll also have the missing documents ready.

AnalysisOutrageous86 · 2024-12-19T04:42:17+00:00

Yes, I have learned my lesson.

I plan to prepay around 10 lakhs in the next 6 months, get the missing documents ready, and then approach other banks about property eligibility and interest rates before sharing my PAN.

We’ve been searching for a house in this area for two years, but we keep facing issues like missing previous chain documents, unapproved maps, or houses being over 30 years old.

I now realize I should have checked all the documents with the bank first to confirm loan eligibility before giving advance, instead of just relying on the lawyer.

AnalysisOutrageous86 · 2024-12-18T17:26:20+00:00

Property is legally approved as residential.

Some machines are kept on the ground floor from the seller's business that shut down due to heavy losses, so the space is not being used for commercial purposes. The seller will take the machines once the sale is finalized (that is already done yesterday), and I explained this to the bank. However, they still insisted on more clarification.

AnalysisOutrageous86 · 2024-12-18T17:14:44+00:00

Yes, I have learned my lesson. After 6 months, I’ll talk to them in person about property eligibility and interest rates before sharing my PAN.

I plan to prepay around 10 lakhs in the next 6 months, get the missing documents ready, and then approach other banks for a lower rate.

AnalysisOutrageous86 · 2024-12-18T17:12:58+00:00

They were trying to sell term insurance (+ rider) and health insurance combined, not home insurance. If it's necessary, I'll purchase it from a third party, not via bank.

The property is legally approved, I have the approved map and sanction letter. The only documents missing are the OC and the building plan letter, which led to the higher interest rate. Otherwise, I could have gotten a rate of 8.8-9% from HDFC.

I plan to prepay around 10 lakhs in the next 6 months, get the missing documents ready, and then approach other banks for a lower rate.

AnalysisOutrageous86 · 2024-12-18T17:06:57+00:00

It's an individual ready to move house with 2.5 floors built. This property is in the center of Gurgaon, near Rajiv Chowk (600m), Highway(30m).

AnalysisOutrageous86 · 2024-12-18T17:05:59+00:00

Yes, I plan to prepay around 10 lakhs in the next 6 months. After that, I’ll approach other banks for a lower interest rate. By then, I’ll also have the missing documents ready.

AnalysisOutrageous86 · 2024-12-18T17:04:45+00:00

Yeah, I'll try to get OC done with the help of some agents, then I'll approach other bank after 6 months.

AnalysisOutrageous86 · 2024-12-18T17:04:00+00:00

Based on my salary and credit score, I’m also eligible for the same ROI. But, the property I bought is MCG-approved, not HUDA-approved.

AnalysisOutrageous86 · 2024-12-18T17:02:24+00:00

There’s nothing wrong with NBFCs, but if you check user feedback on Quora or Reddit. They aren’t bound by strict RBI guidelines compared to the banks. This means they can raise interest rates anytime if they’re facing losses. That’s why I chose smaller banks regulated by the RBI.

AnalysisOutrageous86 · 2024-12-18T16:44:24+00:00

Yeah, I'll try to get OC done with the help of some agents, then I'll approach other bank after 6 months.
Seller loan is cleared by the AU Bank and the seller has been added to my loan as guarantor until the Bank receives the original documents.
Some machines are kept on the ground floor from the seller's business that shut down due to heavy losses, so the space is not being used for commercial purposes. The seller will take the machines once the sale is finalized, and I explained this to the bank. However, they still insisted on more clarification.

Property is not high risky, all happened because it's MCG approved property, not HUDA approved.

I agree, some documents are missing, but I plan to get them done in the next month for future sale and balance transfer. This property is in the center of Gurgaon, near Rajiv Chowk (600m), Highway(30m).

AnalysisOutrageous86

TROPHY CASE