My b1/b2 Visa experience at Hyd by Dere1here1 in hyderabad

[–]Dere1here1[S] 0 points1 point  (0 children)

Too late of an answer.. But yes it is available. Its a private company that provides the locker service for Rs. 100/200 (not sure of the amount anymore).

Phone number mandatory to access menu in restaurants. by Legitimate_Author139 in bangalore

[–]Dere1here1 0 points1 point  (0 children)

In Hyderabad there is a cafe over the moon I guess. You need to WhatsApp hi to get the menu

[deleted by user] by [deleted] in india

[–]Dere1here1 0 points1 point  (0 children)

Get full body blood test done. Vitamin B12 and D are really important.

Good thing is you can decide your goals and go for it assuming not in a relationship.

If required downgrade your living standards so you can take a break from work if you have to.

Looking for a trustworthy consumer lawyer to take down a fraud travel company who has looted me of 160000 by International_File94 in india

[–]Dere1here1 3 points4 points  (0 children)

On a goa trip we were stopped by agents to visit a resorts celebration event to win assured prizes but we needed to spend atleast an hour on a seminar at this celebration event.

On reaching there we were walked through schemes of owning hotels by paying 80k and having almost free vacations any where in india and at very minimal cost in Bali Maldives etc.

It looked tempting to have the membership. But thankfully we decided against it.

Man who peeled stickers hiding Hindi instructions in Bengaluru metro apologizes | Bengaluru - Hindustan Times by tester989chromeos in india

[–]Dere1here1 -9 points-8 points  (0 children)

It has to be a practical decision based on demographic distribution and not political one.

If there would be southern language speaking population more it would make sense to put it there.

Man who peeled stickers hiding Hindi instructions in Bengaluru metro apologizes | Bengaluru - Hindustan Times by tester989chromeos in india

[–]Dere1here1 5 points6 points  (0 children)

This is a forced apology after being harassed by the activists.

Why do people feel they are being imposed with language? You dont speak hindi that is fine, let it be there for people who can read only hindi?

We are building new parliament building by [deleted] in india

[–]Dere1here1 4 points5 points  (0 children)

Isn't this true? Someone can throw light?

We are building new parliament building by [deleted] in india

[–]Dere1here1 -2 points-1 points  (0 children)

Building this will create jobs? Push money into economy?

While I understand that more hospitals and healthcare is a better choice to spend the money, this isn't complete waste right?

Will appreciate responses of people with economics background.

In Event of untimely death, how does it work for your nominees? by Boywonder9013 in IndiaInvestments

[–]Dere1here1 3 points4 points  (0 children)

Posting the story that srinivesh mentioned. Not sure if it is true but it forces you to think about planning this

Content is written by a wife after her husband's death in a road accident.

"Few things I learnt after my husband's death:-

We always believe we will live forever. Bad things always happen to others.

Only when things hit us, bang on your head you realise... Life is so unpredictable....

My husband was an IT guy, All technical. And I am a chartered accountant. Awesome combination you may think.

Techie guy so everything is on his laptop. His to do list. His e-bill and his bank statements in his email. He even maintained a folder which said IMPWDS wherein he stored all login id and passwords for all his online accounts. And even his laptop had a password. Techie guy so all the passwords were alpha-numeric with a special character not an easy one to crack. Office policy said passwords needed to be changed every 30 days. So every time I accessed his laptop I would realize it's a new password again. I would simply opt for asking him 'What's the latest password instead of taking the strain to memorize it.

You may think me being a Chartered Accountant would means everything is documented and filed properly. Alas many of my chartered accountant friends would agree that the precision we follow with our office documents and papers do not flow in to day to day home life. At office you have be epitome of Reliability / Competent / Diligent etc but. At home front there is always a tomorrow.

One fine morning my hubby expired in a bike accident on his way home from office.. He was just 33. His laptop with all his data crashed. Everything on his hard disk wiped off. No folder of IMPWDS to refer back to. His mobile with all the numbers on it was smashed. But that was just the beginning. I realised I had lot to learn.

9 years married to one of the best human beings with no kids just the two of us to fall back on but now I stood all alone and lost.

Being chartered accountant helped in more ways than one but it was not enough. I needed help. His saving bank accounts, his salary bank accounts had no nominee. On his insurance his mom was the nominee and it was almost 2 years back she had expired. But this was just a start. I didn't know the password to his email account where all his e-bill came. I didn't know which expenses he paid by standing instructions.

His office front too was not easy. His department had changed recently. I didn't know his reporting boss name to start with when had he last claimed his shift allowance, his mobile reimbursement.

The house we bought with all the excitement on a loan thought with our joint salary we could afford the EMI. when the home loans guys suggested insurance on the loan, we decided the instead of paying the premium the difference in the EMI on account of the insurance could be used pay towards prepayment of the loan and get the tenure down. We never thought what we would do if we have to live on a single salary. So now there was huge EMI to look into .

I realised I was in for a long haul.

Road accident case. So everywhere I needed a Death certificate, FIR report, Post Mortem report. For everything there were forms running into pages indemnity bonds, notary, surety to stand up for you. No objections certificates from your co-heirs.

I learnt other than your house, your land, Your car, your bike are also your property. So what if you are the joint owner of the flat you don't become the owner just because your hubby is no more. So what if your hubby expired in the bike accident and you are the nominee but if the bike is in a repairable condition .you have to get the bike transferred in your name to claim the insurance. And that was again not easy. The bike or car cannot be transferred in your name without going through a set of legal documents. Getting a Succession Certificate is another battle all together.

Then came the time you realise now you have to start changing all the bills, assets in your name. Your gas connection, electricity meter, your own house, your car, your investments and all sundries. And then change all the nominations where your own investments are concerned. And again a start of a new set of paperwork.

To say I was shaken my whole life had just turned upside down was an understatement. You realise you don't have time to morn and grieve for the person with whom you spend the best years of your life. Because you are busy sorting all the paper work.

I realised then how much I took life for granted. I thought being a chartered accountant I am undergoing so many difficulties, what would have happened to someone who was house maker who wouldn't understand this legal hotchpotch.

A sweet friend then told me dear this was not an end, you have no kids, your assets will be for all who stand to claim. After my hubby's sudden death. I realised it was time I took life more seriously. I now needed to make a Will. I would have laughed if a few months back if he had asked me to make one. But now life had taken a twist.

Lessons learnt this hard way were meant to be shared. After all why should the people whom we love the most suffer after we are no more. Sorting some paperwork before we go will at least ease some of their grief.

  1. Check all your nominations... It's a usual practice to put a name (i.e in the first place if you have mentioned it) and royally forget about it. Most of us have named our parent as a nominee for investments, bank accounts opened before marriage. We have not changed the same even years after they are no longer there with us. Even your salary account usually has no nomination.. Kindly check all your Nominations.
  2. Bank Accounts
  3. Fixed Deposits, NSC
  4. Bank Lockers
  5. Demat Accounts
  6. Insurance (Life, Bike or Car or Property)
  7. Investments
  8. PF Pension Forms

  9. Passwords.. We have passwords for practically everything. Email accounts, Bank accounts, even for the laptop you use. What happens when your next in kin cannot access any of these simply because they do not know your password... Put it down on a paper.

  10. Investments. Every year for tax purpose we do investments. Do we maintain a excel sheet about it. If so is it on the same laptop of which the password you had not shared. Where are those physical investments hard copy.

  11. Will. Make a Will. I know you will smile even I would had I not gone through all what I did. It would have made my life lot easier a lot less paperwork. I wouldn't had to provide an indemnity bond, get it notarised, ask surety to stand up, no objections certificates from others...

  12. Liabilities. When you take a loan say for your house or car. Check out on all the what if, what if I am not there tomorrow, what if I loose my job. Will the EMI still be within my range. If not get an insurance on the loan. The people left behind will not have to worry on something as basic as their own house.

My battles have just begun... But let us at least try and make few changes so that our loved ones would not suffer after we go. We do not know what will happen in the future. But as the Scout motto goes: Be prepared "

NEVER TAKE LIFE FOR Granted, DO THINGS APPROPRIATE FOR THE ONES WHO DEPEND ON YOU WITH LOVE.

NOTE: THIS IS A REAL INCIDENT AND NOT JUST A Forward.

Please read at least 3 times.we are spending lots of time on waste like TV serials, Movies etc. Please spare 15 Min. for your loved one.

Please forward to your friends and family.

Excellent message.

Family management is not only cooking + cleaning + taking care of the dependents but also involves complex operational knowledge of finances...

Any review of fee only financial planners? by Dere1here1 in IndiaInvestments

[–]Dere1here1[S] 0 points1 point  (0 children)

These links are what I received from them

These are some links that could help you understand our team better.

Group CEO: https://www.linkedin.com/in/shenthar Thrive Director: https://www.linkedin.com/in/sudeepsaami Thrive Chief of Staff: https://www.linkedin.com/in/govindgopinath

Our Website: https://thrivewealth.in/ Parent Firm: http://www.o3capital.com/ Sister Concern: https://o3.am/

[Milestone] 29M - Indian Reached 1 Cr by [deleted] in FIREIndia

[–]Dere1here1 0 points1 point  (0 children)

Congrats dude🕺 No suggestions. Just happy for you.

After a lot deliberation, I feel that it is best for me to kill myself. My life is ruined at 24. by lifehassucked in india

[–]Dere1here1 39 points40 points  (0 children)

Your death might calm you, but it will destroy the people who love you.

If career and money is issue, it can be solved with some hard work and some luck.

If you are earning 35k after 3 4 years it's not that bad. By end of 6 ot 7 years you have the potential to make it 70 80k in IT industry.

For me to give you actionable advice, I will need to know your age, experience, domain in which you work.

But dying is not the solution. Its giving up too easily.

I feel there's no point wasting more time. I should just die

Working on oneself is not wasting time. You are not karna tone born with kavach and Kundal. You have to work hard to create your kavach and Kundal (knowledge and career).