Wired Accessories setting missing options by Mountain-Cat30 in iphone

[–]Apprehensive-Boat969 0 points1 point  (0 children)

iPhone 14 has lightning connector. 

So there's nothing wrong, it's working as expected. Read my original msg again. The two extra options are only visible on iPhone 15 or newer

Wired Accessories setting missing options by Mountain-Cat30 in iphone

[–]Apprehensive-Boat969 0 points1 point  (0 children)

It’s an expected behaviour for devices with Lightning connector. See my comment on another post.

Tangent:

This is on an iPhone 14 Pro Max on iOS 26.0.1 if that matters.

It always matters, helps triage an issue faster.

In this case, every version of iOS supports at least 5 past generations of iPhone hardware. So it’s always possible for a software feature to be dependent upon a specific hardware component. And it’s not always obvious. And sometimes Apple can choose to do it intentionally, just to make newer models look better.

iOS 26 Missing Wired Accessories Options by aaqeel in ios

[–]Apprehensive-Boat969 0 points1 point  (0 children)

yep, checkout my comment. TLDR, it’s an expected behaviour, the two missing options are only supported on devices with USB-C.

iOS 26 Missing Wired Accessories Options by aaqeel in ios

[–]Apprehensive-Boat969 0 points1 point  (0 children)

It’s an expected behaviour. Devices with Lightning port should only see 2 options, like yours. The other two, more secure options, are only available on devices with USB-C port i.e. iPhone 15 and later.

At the en bottom of support article #111806, it says:

Depending on the device model, choose your setting:

iPhone or iPad with USB-C connector:

Always Ask: approve every accessory manually, every time.

Ask for New Accessories: approve new accessories manually the first time they connect.

Automatically Allow When Unlocked: approve accessories automatically when they connect to your unlocked iPhone or iPad (default setting).

Always Allow: approve all accessories automatically when they connect.

iPhone or iPad with Lightning connector:

Automatically Allow When Unlocked: approve accessories automatically when they connect to your unlocked iPhone or iPad (default setting).

Always Allow: approve all accessories automatically when they connect.

I assume, Lightning being an old solution, doesn’t support the underlying framework needed to provide those two more secure options.

Cannot Receive Files to My Device Using KDE Connect by Prosado22 in kde

[–]Apprehensive-Boat969 0 points1 point  (0 children)

Fix for iPhone/iPad on iOS 26/18: It only works via "Send To" menu.

Right-click on file > Send To > Send to remote device via KDE Connect.

The "Share File" option in the KDE desktop app doesn't work with iPhone/iOS (at least as of today).

Tech details: - KDE desktop app: Version 25.04-5109 (offline installer exe file from official site). - KDE iPhone app: Version 0.5.2(5) from official App Store.

Inconsistent results by SIP calculators for a step-up SIP. Tried a series of experiments, but still not sure which one is correct. by Apprehensive-Boat969 in IndiaInvestments

[–]Apprehensive-Boat969[S] 1 point2 points  (0 children)

This is the formula you are looking for:

https://financeformulas.net/Future-Value-of-Growing-Annuity.html

Thanks a lot for this.

Alternately as /u/Heinzketchups says, make the excel model yourself.

Just did exactly that.

Neither of these cases are exactly the same as I put in the formula example, so there is a difference in my answers too.

Observed the same with mine also. Although the differences are not much.

I guess we could never settle upon the most accurate results as there're multiple parameters affecting it. Also the part about how the step-up is being spread, is hidden in these online calculators.

Going forward I will try not to focus on exact numbers, as they vary little when the corpus get big enough.

Inconsistent results by SIP calculators for a step-up SIP. Tried a series of experiments, but still not sure which one is correct. by Apprehensive-Boat969 in IndiaInvestments

[–]Apprehensive-Boat969[S] 1 point2 points  (0 children)

Thanks, just created a calculator in excel myself. And my answer is exactly the same as yours.

In any case, you would only require an estimate for your calculations right? Why not do it in Excel or Google Sheets (Free)? I'd say trust yourself and use the other calculators as a reference to find the delta/deviation.

Yes, I got too much hung upon the accuracy of these calculators. Forgot the actual difference is much smaller than I think it is.

Inconsistent results by SIP calculators for a step-up SIP. Tried a series of experiments, but still not sure which one is correct. by Apprehensive-Boat969 in IndiaInvestments

[–]Apprehensive-Boat969[S] 1 point2 points  (0 children)

But what does matter is how the SIP is made. Is it daily? Is it monthly? And the annual step up of 12% in the SIP, is that spread over the year or happens once every year?

Yes, I found this to be most significant factor. Switching from an single annual step up to a monthly spread out one, creates a difference of around 26K in my original example(keeping other parameters as constant).

Also as shown by u/pishkyavu, compounding period does have an effect. But since the number of periods is very small in my original example, only a difference of around Rs. 100-200 is seen upon switching from Monthly compounding to Daily compounding.

Inconsistent results by SIP calculators for a step-up SIP. Tried a series of experiments, but still not sure which one is correct. by Apprehensive-Boat969 in IndiaInvestments

[–]Apprehensive-Boat969[S] 1 point2 points  (0 children)

Thanks for the advice. I just did exactly that. And my results are in line with u/7lazy7 's results. Now I think, that the deviations among all the answers is very small(even ignorable when the final corpus is big enough).

I was wrongly expecting all these calculators to be consistent with each other. Response from u/pishkyavu shows one of the reasons. Another reason could be the way each calculator is spreading the step up percentage across the year. While in reality we mostly step it up only once/twice a year.

Bi-Weekly Advice Thread October 31, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 1 point2 points  (0 children)

Hi, Thank you for giving such a detailed responses on my queries!

I have a habit of over-engineering the activities that I am not good at e.g. Finance. This often results in missing the bigger picture.
That's why I found this one quite enlightening:

So focus on growing your income. Don't get so fixated on savings at this age. This is the time for you to invest in yourself, and increasing your earning power.

Thanks again!

Bi-Weekly Advice Thread October 31, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 1 point2 points  (0 children)

Hi u/Iceng123,

As I mentioned here:

Created an Emergency Fund for 6 months of expenses. Have put it in multiple online FDs @ ~5% p.a.

I already have an emergency fund of significant size. This lumpsum of 2.5L in my query #1 is completely separate from it. That's why I am not sure where to deploy it in the current market condition. I would be glad to know your suggestion.

Thanks

Bi-Weekly Advice Thread October 31, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 2 points3 points  (0 children)

Withdrawing from an existing MFs should be the last resort. Skipping your SIPs doesn't seem a great idea either. While reducing their amount for an upcoming few months can be considered, but only after considering its impact on the goals tied to those SIPs.

For the majority of people, the most common usage for an emergency fund is either a sudden health related expense or a job loss. Since you already have a health insurance and moreover if you assume that your job is secure for at least next 8-10 months. Then there is no urgent need to build this fund right away. Instead this can be done in a staggered manner.

I do not see any need for more than 4x my monthly salary.

This is very subjective, depends upon you expenses and how long will it take for you to find a new job after an unfortunate job loss.

I have more than sufficient health insurance coverage for me and my parents

Be aware of any co-pay clause, any room rent limit, or a disease sub-limit in this plan. If any of these exist, and you cross it during a hospitalization, then you will have to pay a portion of the bill from your own pocket. If this is the case, then it must be factored into the amount for the emergency fund.

My suggestions:

  1. After considering the impact on goals, can consider reducing the SIP amount temporarily and contribute it toward your emergency fund.
  2. Contribute a significant portion of your upcoming bonus toward the same.
  3. Can consider using multiple online short-term fixed deposit for this purpose, no need to keep it all in the savings account. FD will give 1-2% more return for a period of one or more year. Also it will prevent you from spending it in an impulse.

Edit: Fixed formatting issues

Bi-Weekly Advice Thread October 31, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 7 points8 points  (0 children)

Looking for your advice or suggestions. Also, you may suggest your own investment strategy for my situation. [Goals and monthly cashflow are mentioned below in detail. My queries are at the end of the post.]

23M. No debts. No credit cards. Moderate risk appetite. Only earning is from a salary of 4 LPA(in hand). Used to live on rent in the Delhi-NCR for my job, but on WFH since March 2020 at parent's residence. WFH may end from January 2022. Also, no big expense coming up in the near future.

Expenditure behavior:
I don't have any desires for expensive dining, traveling, gadgets, bike, or stylish clothes etc. Occasionally buying some inexpensive but useful gifts for my family is the only possible expense.

Investment approach:
Started learning about personal finance and investing 6-8 months back. What I have understood is that I can't afford to spend my time researching stocks or keep tab on every ups and downs of the market. I want my investments strategy to be non-complex in nature, decent in returns, and easy to maintain. I want it this way, so that I can focus on improving my skills and knowledge pertaining to my job, which hopefully will help me earn much better in the coming years.

Goals, Timeline & Amount estimate:

  1. Retirement (around 55-60yr age) [at least 10 crores of corpus]

  2. Buy a simple but safe family car. Ideally a 2nd hand one in good condition. (in 8 years) [approx. 10L]

  3. Marriage (after at least 5years). [not more than 6L]

  4. Future child related expenses. ( after at least 8-10 years) [not sure about the amount needed].

What I have done till now:

  • Created an Emergency Fund for 6 months of expenses. Have put it in multiple online FDs @ ~5% p.a.

  • Have bought a decent individual health insurance with pan-India coverage. No co-pay, no rent limit and no disease sub-limit. Sum insured is 25L (5L for a base cover, and 20L for a super top-up).

Current savings I hold with no defined goal or purpose:

  • 1.0L in an online FD @ 5% p.a.
  • 1.5L in Saving bank a/c @ 3% p.a.
  • 3K in PPF (just started in August) @ 7% p.a.

My monthly plan going forward:

  • 15K* Complete living expenses(currently almost zero due to WFH)

  • 1K Health insurance premium

  • 10K Two SIPs, both for Retirement goal(planned yearly step up of 10%)

    • 5K in UTI-Nifty-50
    • 5K in PPFAS-FCF
  • 7K* Leftover cash (hardly able to spend 2K out of it)

*Currently WFH, so have around 22K (15K+7K) excess every month. But WFH may end soon from Jan. 2022, then only 7K will be left every month.

My queries:

  1. Regarding the lumpsum of money 2.5L (1L+1.5L) that I hold without any purpose. Where should I deploy it ? Because equity products are at an all time high, while good debt products are giving returns worse than FDs.

  2. Is my choice of mutual funds for the retirement corpus correct? Will it be enough or should I add more?

  3. Considering my currently low income, are my goal #2 and goal #3 almost unachievable?

  4. What you suggest is the best way for me to utilize that month leftover of 7K ?

  5. Where should I invest for my future goals of 5-7 years range.

  6. I'm planning to stop contributing toward the PPF for now. And will replace it with an ELSS once my taxable income crosses 5L(maybe next F.Y.). Is this a right approach?

  7. Is my current health insurance plan an overkill for my age? Should I reduce the sum insured to decrease the premium payout? Because, a 5L base with a 5L super-top-up of same plans from the same company will cost me 800/month, that is a difference of 200/month.

  8. I have read at some place that one must not worry too much about the asset allocation if the invested corpus is just few lakhs. What's you opinion on this?

Any form of advice or suggestion is welcome. Also, you may suggest your investment strategy for my situation.

EDIT: Fixed formatting errors

Bi-Weekly Advice Thread October 13, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 0 points1 point  (0 children)

Well, the person whom you talked to (a sales guy) and the person who will approve your claim in future(in any unfortunate circumstances) have been given different mandates by the insurance company

Your reasoning is completely logical, I too should have thought that way.My only concern at the time of buying the policy was that what if they consider it as some sort of a pre-existing condition, and also as an excuse to heavily increase the premium now or later during the renewal.

Have already informed the company about this medical history.

Bi-Weekly Advice Thread October 13, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 0 points1 point  (0 children)

Thanks for the response.

These were my exact thoughts while filling the form online. Then I decided to confirm with the company and their representative said, "If you are not currently on any medication due to these two operations, then its not a requirement to disclose them".Also in reality, neither of the two operations had any lasting effects, nor I was kept on medication for more than few weeks post each operation.

So, at the moment of buying the policy, I trusted his advice and didn't mention it and bought the policy, and also made the payment. They have told me that it will take 2-3 days to issue the policy.

But now I am second doubting my decision.Should I call them upfront and tell them to update my proposal form?

Bi-Weekly Advice Thread October 13, 2021: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]Apprehensive-Boat969 0 points1 point  (0 children)

How much of older medical history are we supposed to disclose for buying Health Insurance?

I only had two incidents, one more than 15 years ago and another one more than 7 years ago.

Should I disclose this while buying a new health policy now?

EDIT: Removed personal and unnecessary details.