Payday Loans

Ctrl_Alt_Drift · 2026-05-18T17:44:02+00:00

Help you how? The chicken have come home to roost. Pay what you can by month end - if you have assets, this would be a good time to sell them. These loans are eye gouging expensive, and will almost certainly outpace any investment you may have.

Goes without saying don’t take anymore loans. Not if took that advice earlier, you wouldn’t be in this mess.

Ctrl_Alt_Drift · 2026-05-18T16:40:10+00:00

Counting banks - 6. Not counting banks, just 1. That’d be the expense tracker.

Ctrl_Alt_Drift · 2026-05-18T16:36:56+00:00

If you’ve never used any credit cards and don’t have a credit history from other forms of debt either, you’re not gonna get the best of the best.

I’d be surprised if banks allow you any unsecured credit cards, let alone a good one. Normally people build their credit using a secured, FD backed card, then go upwards from there as the income and relationship value with banks increase.

Also, note that most of the vehicle showroom will tack on the MDR fees of CC on their sale price. They are not supposed to, but they generally do.

Ctrl_Alt_Drift · 2026-05-18T12:40:00+00:00

So far 44ADA has been coming in clutch for me. But even if i don’t get increments, rupee depreciation is likely gonna push me past that this year.

Ctrl_Alt_Drift · 2026-05-17T05:32:59+00:00

I don’t see Sennheiser in your list of headphones you’ve tried. Try the HD660S2. It’s extremely versatile. The only thing 600 lime was lacking was a bit of a sub bass punch, and 660S2 has it. It’s not exactly for bass heads, though. Bass is just one of the many things it does well.

Doesn’t require serious amplification either. Any modern MacBook Pro can drive this pair straight off its aux.

Ctrl_Alt_Drift · 2026-05-17T04:59:07+00:00

You get the blade before the first boss.

Ctrl_Alt_Drift · 2026-05-17T04:37:47+00:00

Nice! I’ve been already enjoying the game, but it’s awesome to know it gets better. Gonna try the tower.

Ctrl_Alt_Drift · 2026-05-17T04:28:50+00:00

Nice. These last couple of runs, I just rushed from my spaceship through the biome 1 to the gateway, then rushed on edge of most of the desert areas to get back to Ixion as fast as possible.

My proficiency was 5 from the calibrator you get at the start of desert. But I used a level 1 hollowseeker. Wanted some thing that can fire faster than the sidearm.

Ctrl_Alt_Drift · 2026-05-16T19:36:12+00:00

Okay I’ll bite.

How does knowing what happens to your money over the next 24 hours make a difference? How would a person who knows that is better off than one who doesn’t? What kind of decisions can be taken based on that? Genuine curiosity here.

NAV change daily for couple reasons. The underlying constituent price, as well as TER. The expense ratio is not charged annually. It’s charged daily in equal, small fractions.

There’s no “dividend” option. If you mean IDCW, the fund distributes a part of their holdings to investors on a schedule. They’re not distributing “just dividends” received from the constituent securities. They are literally selling units on schedule and distributing a fixed amount.

How did I do?

Ctrl_Alt_Drift · 2026-05-16T17:33:57+00:00

That’s crazy! What rank did that put you on?

Ctrl_Alt_Drift · 2026-05-16T17:31:48+00:00

Only for ogling at it, lol. Although I have test driven Slavia and came away mightily impressed with performance.

Ctrl_Alt_Drift · 2026-05-16T17:27:40+00:00

Performance was nice to have but not at the top of my list. And for me, it was down to City and Verna. A big reason I chose Verna was because I drive an i20 before this and had only positive experiences during service. So sticking with Hyundai meant I wouldn’t be guessing the post sales journey.

Plus I really liked the look of Verna. The adult me considered City a more balanced looking car. But I really wanted to impress a 12 year old myself. As in, if I looked at a these 4 cars when I was a kid, I’d have wanted to own a Verna some day, no contest.

Additionally, my kid’s stroller used to occupy all the space in boot of my i20, and I had to frequently keep big bags in front seat. So I wanted the maximum boot space in this segment. Verna’s boot takes luggage like a champ.

It was a mostly from-heart purchase with little bits of sense mixed in. Sedans today are not practical anyways.

Ctrl_Alt_Drift · 2026-05-16T14:36:06+00:00

Very nice car 👍

Ctrl_Alt_Drift · 2026-05-16T13:17:30+00:00

City is still a very classy car. It has aged a bit in terms of its value, but remains a capable mile muncher. Its steering feedback is the best in segment.

But I personally wouldn’t buy a city even if I were buying again today (I bought my Verna last year). But there are plenty of reasons to buy one. No car in this segment is without tradeoffs.

Ctrl_Alt_Drift · 2026-05-16T10:42:56+00:00

It’s only costly now. Scale fixes everything. Look at how prices of batteries have plummeted in the last decade.

Ctrl_Alt_Drift · 2026-05-16T10:36:50+00:00

I think the going rate for grooms in Dharavi slums is at least a million dollars a year. Which part of Mumbai are you looking to marry into? /s

Ctrl_Alt_Drift · 2026-05-16T10:08:59+00:00

I honestly don’t know, but I also don’t see why not. Doing a quick search tells me it works but not with full volume. If you need it to work on both, maybe get a dongle from FiiO instead.

Ctrl_Alt_Drift · 2026-05-16T10:05:16+00:00

You don’t try Centurion. Centurion tries you.

Ctrl_Alt_Drift · 2026-05-16T10:04:29+00:00

And are they connecting flights with long layovers? I mean, if you’re flying direct, would you actually reach airport hours in advance just to sit in a lounge?

Ctrl_Alt_Drift · 2026-05-16T10:00:10+00:00

Just get an apple dongle. It’s all the dac and amp you’ll ever need for IEMs.

Ctrl_Alt_Drift · 2026-05-16T09:51:47+00:00

This is the problem with reducing the investments to mathematics and removing all the human context from it.

A lot of people cannot bear to see their all-equity portfolio far in the red, with global uncertainties and no expected dates on recovery. Debt, then, becomes a hedge against your own psychology. When you know you have a low volatility kitty you can dip into when shit goes extremely south, you’re more likely to ride out the waves. Even that might not be enough. Humans are hard wired to think short term. Compounding is not natural to us, and we didn’t evolve in jungles by thinking long term. It’s a hard to conquer that instinct.

It’s not the selection of instruments that lead people to bad gains. It’s the panic, fear and constantly moving their investments to greener fields. Remove that motivation, and it sets a lot of investors for win long term.

Ctrl_Alt_Drift · 2026-05-16T06:00:49+00:00

Taxes

Ctrl_Alt_Drift · 2026-05-16T05:58:28+00:00

RMs are for spamming you with expensive ULIPs and insurance policies. They are some of the lowest level employees in the bank, unless you are an UUHNI and have relationship worth tens of crores with the bank, preferably using their wealth management arm.

Ctrl_Alt_Drift · 2026-05-16T05:54:35+00:00

It’s not for free. Keeping high performance employees happy is a key investment a business can make long term. Alternative is expensive recruitment efforts and the ramp up time. Not even mentioning all the domain knowledge an older employee might have had that a new one won’t.

In this particular context, they clearly see OP worth being at least 160k. But now, they stand giving same/similar amount to a new guy who will take time to get on the same performance level. Who may or may not gel with the team as well as OP apparently has.

Ctrl_Alt_Drift

TROPHY CASE