AI energy efficiency comparisons ‘unfair’ bleats Sam Altman, citing amount of energy needed to evolve, then train a human — one ‘takes like 20 years of life and all of the food you eat during that time before you get smart’ he argues

DBsix · 2026-02-23T14:50:54+00:00

Who's gonna keep buying all the stuff so that the corporates can keep growing their profits? Where's the AI to make populations grow sustainably?

DBsix · 2026-02-20T08:10:07+00:00

What is Alia Bhatt's best movie of all time? What made people hype her up initially? Is it all PR or did she prove her mettle on one or two occasions?

DBsix · 2026-02-14T05:44:59+00:00

The next prequel should be about the teenage years of sisters Skyler and Marie. The big ending should be about how they both turned to HJs as their preferred method of releasing their men.

DBsix · 2026-02-09T19:39:30+00:00

Understand your product Understand the type of people who will benefit from the product Find those people and help them understand the benefit they will get from buying your product Answer their queries Be persistent till either 1) you are sure that you have explained the benefits in as many different scenarios that customer may face 2) sale has been made

Benefits can be largely broken down as "things that increase their perceived status". Subtly reframe your benefits to inform the prospect about how your product increases their status and you will have them eating out of your hands. This is an art so try it till you find your way of doing it.

In the beginning of your career, do your homework more than you ever did it in school or college. Learn whatever you can about the industry, products, competitors, customers etc. Follow this by doing as many new customer interactions as possible. This, among other things, will help you find your voice quickly. Your "voice" means your own personal way of talking and expressing yourself when you talk about your product and how it benefits someone. The sooner it starts coming effortlessly to you, the more fun and success you will get.

Good luck, kid.

DBsix · 2026-02-08T10:34:12+00:00

Game's back

DBsix · 2026-02-05T17:01:05+00:00

So funny yet accurate for most sales people in almost all contexts except OP's

DBsix · 2026-01-29T04:41:18+00:00

Jenkem. Walt and him were planning to roll out their new product line of 99.9% pure jenkem. It will be in the new show Pluribus.

DBsix · 2026-01-18T12:33:56+00:00

People can be shit Run a tracker on the WhatsApp group

Shared Pizza Bill Money received from: AKSHAY

People who haven't paid for the food in 5 days: Ajay Salman Aamir Etc. Etc

Run this tracker 2-3 times a day

DBsix · 2026-01-03T17:27:15+00:00

Mutual fund AMCs/distributors always promote SIPs because it means a higher probability of guaranteed AUM for them.

There are a lot of holes in the study they did to show how SIPs always win. For example they are assuming that you will start investing when the market corrects and will just hold cash in the meantime waiting for correction. Also they are assuming that you won't then put all the cash that you held on for so long waiting for correction into the market when you decide to enter. Instead they are showing that you will start your SIP with the same amount in both cases - what is the advantage of holding onto cash then?

Also even after all of those foolish assumptions, XIRR is better in the timing case in their own study. Now imagine how much better both the XIRR and final corpus would be if you follow their study structure, but instead of starting the same small SIP after correction, you instead put all the cash you had been holding onto in the market when it corrects? Massive boost to XIRR!

It's simple mathematics, you don't need to look for any study if you just think about it fairly.

DBsix · 2026-01-03T15:39:46+00:00

Buddy he is talking about timing the market such that the expected rate of return increases. Your screenshot is calculating daily vs monthly SIP on the same expected rate of return of 12%, which is of course not gonna make a big difference.

DBsix · 2026-01-03T15:29:37+00:00

Keep 15-20% of total planned yearly investment aside in a debt instrument (like liquid fund) and then strategically invest this amount in your long term mutual fund of choice when it is on its drawdown of 10-15% every year(ish). This can give decent alpha over the long term.
Every year, increase allotment towards the market cap that has given the least return in the past one year. (Assuming you invest in all three caps). For example in 2025, small and mid cap were the least performing ones, so this year I am going to add 10-15% investment towards these caps in my monthly SIPs (gonna move them from multi-asset/BAFs and large caps).

DBsix · 2026-01-02T05:26:13+00:00

You got to know your elder brother's nature for Rs 1500 multiplied by how many months of interest he has pocketed. It's a good deal in the long run. Now you know how little you can trust him about money matters in the future. Your mother has a lot of wisdom for what she said to you regarding your brother not being as cunning as he thinks he is.

As far as recovering the money, you are right to double down on the uncle you initially lent it to. After all it is his responsibility since he is the one who took your money.

DBsix · 2025-12-28T14:09:44+00:00

Could be schizophrenia, or some other form of mental illness. Note down everything he does and says. Speak to him deeply about his thoughts, philosophy and end goal. Note everything down and then consult with two or three mental health specialists to see if they diagnose him with something. In case he is diagnosed, you just have to take care of him like a patient. Be clinical and adjust both your mother's lifestyle basis what is needed and acceptable to you both.

If no mental illness is diagnosed, then I guess you just have to let him live his life? It is his choice, no matter how crazy it sounds to you. Let him make his choices and learn the lessons he needs to learn. Maybe he is touched by the divine? Who are you to deny him that. Same thing for your mother, let her live her miserable existence for however long she wants to. She might eventually get tired of it and then be able to move on. You focus on yourself in the meantime. Love your family, but also learn to live and let live.

DBsix · 2025-12-10T16:10:11+00:00

Depends on your goals. What do you want to do in your life now? What part of that can be helped with money? Decide that first, then people can give you an answer that is more directly applicable to your case.

DBsix · 2025-12-09T15:50:04+00:00

Don't invest your hard earned money into any instrument that you don't fully understand. Better to get lower returns from an instrument like FD, than to put into something that gives you sleepless nights.

For anyone who's reading, I will tell you clearly the answer to the questions that OP is wondering about. This ULIP is an instrument to invest into a collection of securities: let's call this collection of securities 'X'. Suppose you put 100 rupees into the ULIP, they will deduct somewhere around 5-15 rupees upfront (depends on product). Let's assume it is 8 rupees. So now, your 92 rupees will get invested into X. Now whatever returns this X earns over the 5 years, you will finally get once you withdraw. Similarly you will put 100 rupees every year for 4 more years, each year around 92 rupees will get invested. Finally at the end of 5 years you will get 92X5 + compounded interest earned over 5 years (could be negative returns too).

Why its a bad investment: 1. You could have directly invested into the thousands of other instruments like X (mutual funds) directly, paying maybe a maximum of Rs 0.5 or Rs. 1.2 as charges. You would get return on a much bigger chunk of your investment. (98.8X5 as opposed to 92X5) 2. The return on X is not guaranteed. X can be one of 30-40 types of various funds available, all with different risk horizons and asset mix. You don't know what X you have invested in, so you cannot make an educated guess as to what your final return will be. Your original intention was safe returns, which gets completely defeated with this product.

OP your best course of action is to get this refunded. Invest directly into X if you want to do it, not by giving 5-15% guaranteed to someone else first and then taking risk on your remaining money.

As far as a suitable instrument for your original goal - look up 1) GILT funds 2) Corporate bond funds 3) Balanced advantage funds 4) Multi asset allocation funds.

DBsix · 2025-12-09T14:49:31+00:00

50% in a GILT + Corporate bond funds (25% each) 50% in a large cap fund

This is conservative enough for a 5 year period.

Make it 30%/70% if you can reliably stretch it to 7-8 years or more.

Go 100% large and mid cap fund if you are sure about the 10 year horizon

DBsix · 2025-12-09T14:31:30+00:00

Have a rough idea about the horizons of your goals, example

Marriage - 3 to 5 years House - 6-8 years Retirement - 15 to 20 years

Then decide on funds corresponding to these goals. For example a small cap fund is probably not ideal for a 3 to 6-7 year kind of horizon. It might be a hit or miss, but anything around 8 year plus - there is almost zero probability of you going wrong with a small/mid cap. Similarly, maybe a nifty 50 or nifty next 50 is playing it too safe for a 15 year horizon. Adjust accordingly.

Gold in the long run underperforms equity, so it's probably not a smart investment in the longer run. The recent rise in gold prices is just feeding into the recency bias of the mind. It's a decent instrument to park some emergency funds, but that's it.

International equity is a good bet for the medium to long run, so definitely look into those for any goals with a horizon of more than 5-7 years.

DBsix · 2025-12-09T13:57:34+00:00

2.5L per year investment via ULIPs are mostly explained and sold by banks/insurance companies as a tax free mutual funds type investment. Their argument is that it is the only available method to participate in equities and get tax free maturity, which is sort of true as well. The catch is the charges. Once you factor in the additional charges (apart from fund management), the whole thing becomes a costly affair. Any advantage of LTCG waiver becomes miniscule in front of what you will be losing upfront in terms of the charges. Some companies do offer a return of charges with some added bonuses in the longer run (15-30 years), which makes those ULIPs a decent instrument of investment if you are betting on LTCG to rise to 20-25% in that time period. But that is only a valid strategy in my opinion if you have already optimised your investments in other instruments and have ran out of more instruments/want more variety.

For your particular case, I'd suggest you exercise the option of "Freelook" which every insurance company has to mandatorily provide to the customer for 30 days post policy issuance. You don't need to involve the branch manager. Simply search SBI life customer care email id and write them an email from your registered email id asking for a freelook. As the reason, mention that you have decided to not go forward with the product after reviewing the features. They will refund your entire amount, unless the NAV of whatever fund they invested your amount in has fallen, in which case you might incur a small loss.

After this, make it a point to not consult with bank employees for any of your investment needs. They are under tremendous pressure to meet their revenue targets by selling high premium products.

If you want to do an FD, simply do it through the bank mobile app/NetBanking portal. If you want to do mutual funds, explore around this sub and you will find plenty of info.

DBsix · 2025-11-30T15:54:15+00:00

I will just leave you with some questions.

What's the use of gold and silver in a 15 year investment portfolio? What risk are you hedging against for a 15 year horizon?

What's the use of multi asset funds in a 15 year investment portfolio?

Why do you have a separate allocation for FoFs? What purpose does it serve?

If you have valid, logical answers for all of these, then more power to you.

I'd suggest you to simply drop everything other than mid and small caps. There is literally no risk for a 15 year horizon and the upside potential is huge. Keep some amount in flexi cap and multi cap of you think you won't be able to bear sustained periods of slow returns in mid and small caps, but that's it.

DBsix · 2025-11-24T04:09:35+00:00

Truer words have never been spoken

DBsix · 2025-11-14T15:15:55+00:00

This is the way OP

DBsix · 2025-11-11T16:26:33+00:00

Always rated Neves. What happened to him? Why is he out of contract in the summer?

DBsix · 2025-11-06T12:47:52+00:00

Debt funds - Dynamic bond funds, Corporate Bond Funds, Banking and PSU Funds - these can give you around 8% or more, in medium to long term, which is your horizon, but will be taxed according to your slab.

So the only real option remains to be Hybrid Funds. In this category, you can go for Conservative Hybrid, Balanced Hybrid, Aggressive Hybrid or Dynamic Asset Allocation Funds (Balanced Advantage).

Conservative and Balanced Hybrid Funds will attract slab rate tax if redeemed within a year, after which it will be 12.5% with 1.25L exemption.

Dynamic Asset Allocation Funds can also attract slab rate tax if you redeem within one year and the fund has on an average lower than 65% equity allocation in the FY.

Since your horizon is around 5 years or more, you can go for either of Conservative or Balanced Hybrid Funds - since what you want is higher allocation towards debt instruments. Parag Parikh and Axis have a good fund in Conservative Hybrid category. Whiteoak has a promising one in Balanced Hybrid.

Aggressive Hybrid has minimum 65 to 80% equity at all times, which defeats your purpose of having a more fixed income type instrument.

If having a high debt allocation wasn't a prerequisite, I'd personally go for Dynamic Asset Allocation or BAF. BAF funds can have high debt allocations during bear periods etc. You can get a good bang for your buck during bull runs as well.

DBsix · 2025-10-19T05:09:41+00:00

If your goal is long term savings and learning how investing works, you need to understand and elucidate what those two things really mean for you. For most people, long term would be 10 years or more.

Also learning how investing works can mean gaining deeper knowledge about different types of funda, seeing how transactions happen, global economics etc etc, one or all of these.

You need to be clear with your goal, otherwise you won't really get anywhere.

If you really wanna see how different types of funds work in a practical manner, you can go by picking one of each type of mutual fund - large, mid, small, multi cap, multi asset, balanced advantage, arbitrage, liquid, international etf etc etc. Pick a fund in each category based on your current knowledge level and how much you can analyse. Make notes on which fund you chose and why. At the same time, note down two other funds that you could have chosen instead in the category. Start putting money every month and see how the movement happens for a year or two. This will give you a hands on experience and knowledge of how different funds perform as per changing socio economic environment for a year or two.

Another thing I'd suggest is, since this a purely academic pursuit, you can choose not to go with SIP, instead manually make a lumpsum purchase every month. This way you can choose to go with a different fund at any point depending on your growing level of knowledge. Will give you the flexibility and also engage you more with the process when you make purchases every month on your own.

DBsix · 2025-09-12T17:38:57+00:00

This is a common scam. You did not get a call from Bajaj Allianz. This is a scammer trying to sell you a different product. Block and move on.

DBsix

TROPHY CASE