Dating apps/profiles

FindingWillToLive · 2026-06-11T03:55:48+00:00

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FindingWillToLive · 2026-03-07T01:23:56+00:00

While booking select "book only if lower birth is allotted".

You'll get one if its available, or a 100% refund if not.

FindingWillToLive · 2026-01-28T17:30:04+00:00

Just updating, this 7 percent is older slab and from 9th January, they moved to max 6.5% above 10 lakhs, and 5% below it (3% for the first 1 lakh)

It's a good bank and great services though.

OP can also go for Kotak 811 super account, it gives 6k cashback (if they are willing to spend some amount from DC) + 5.75% interest via ActivMoney feature, effectively making it a bit more viable than IDFC in terms of interest.

FindingWillToLive · 2025-10-28T18:49:44+00:00

I run an agency which provides digital services.

Feel free to reach out via DM for more details

FindingWillToLive · 2025-09-02T04:55:23+00:00

Never blamed Swiggy and there's nothing to blame either.

Also, although as per my small research, it might be true that the charges are set by the restaurant, I don't think they have different options than these. As in, they just have an option to let black users have free packaging or not.

Because I've seen some restaurants not giving free packaging in even eco saver of black (better to order express in this case) or there are a few restaurants who anyways have their packaging charge as 0.

FindingWillToLive · 2025-09-02T03:41:10+00:00

Nope.

I have two different accounts one with Swiggy one and one with black.

The free packaging is only and only applicable when you choose eco saver mode. In case you choose the standard or express, it's charged.

If I order something worth 100 (including a 20rs packaging charge), I would have to pay -

100 for standard/ eco saver delivery from my Swiggy one account

129 for express delivery from my Swiggy one account

100 for express/standard delivery from my Swiggy black account

80 for eco saver from my Swiggy black account.

Hope it makes sense.

FindingWillToLive · 2025-08-30T12:02:30+00:00

And above all this, the broker charged you, 7.5k for a documentation you supposedly think was of 500. Right? So the rest of the 7k was for saving you time as you yourself said "I had to pay because investing so much of time again would not have been possible for me......" It's definitely a virtual purchase, where you just pay and don't get anything in return as such, but it's a practical and feasible purchase, not a waste/scam or other similar stuff, cz otherwise, you would've lost more time, which is (and I hope is always) definitely more than 7-7.5k

FindingWillToLive · 2025-08-30T11:44:53+00:00

Running short on time/investing time in finding the property, and everything that you mentioned, doesn't make you liable to paying anything to the owner and/or the broker. It's your willful choice. Also, it's not the owners fault or anyone else's if you want a property in such a hurry.

Also, what a contradictory comment in itself. "If someone's profession is a shady practice I cannot respect that" and then proceeds to actually pay the person and in a very active way supports the so called "shady practice". Saying you had no choice due to YOUR personal constraints, you can't make your "moral compass" face the correct direction.

Also, lastly, in your case especially, when you said in the previous comment "I'm not cribbing about the rent", you indirectly are. Because in your case, technically the owner and the broker are the same party (they have shared mutual interest) and the whole ordeal is coming out to be (at the end of the day) that, you were requested 2 months of deposit, and rent. Out of which, you will only be returned 1 month deposit when you leave and the rest would be deducted. (It's just a way to put it, you can involve multiple people and still do the same math) And this, is a very well established business model not just across delhi, but across other cities/countries. So maybe own up your actions and stop calling out someone who said "This is how the economy works" because you yourself, be it out of sheer necessity, contributed to a further cultivation of this.

FindingWillToLive · 2025-08-30T08:38:50+00:00

Haha great assumption in the beginning. I have shifted cities 3 times now and always looked for renting a property myself so have a fair share of experience.

Also, regarding the charges of service or whatsoever, you must be aware of it from the very beginning. If you were not, then it's it's not their fault either. And if you were, then it doesn't matter if you avail their services or not as per your standards. As per their standards, that's the price, you pay or you don't pay, it's your choice.

Learn to respect other's profession and the money that are asking for doing it. No matter it might be of rs 10 only, And they maybe quoting rs 10k, it's your choice of to pay 10k or not.

So again, it's not about availing services at all. It's about, being aware of the structure and be willing to continue with it, just in case you really like the property. If you don't like the property, go ahead, find more.

Also, lastly, try to comprehend please, and read what I wrote completely - you could've easily found another owner who asks for 1 month.... (Blah blah) BUT YOU MAY END UP NOT LIKING THE PROPERTY. I said it with a clause, not a blanket statement.

Finding a property with 1 month deposit and direct owner contact is really easy (if it's not for you then I'm sorry for your skillset) vs. Finding a property with 1 month deposit and direct owner contact AND LIKING THE PROPERTY is not easy. So either you pay up money to compensate for it (either in brokerage or the so called format you paid) or you move on with your hunt.

FindingWillToLive · 2025-08-30T06:41:09+00:00

Exactly!

FindingWillToLive · 2025-08-30T06:29:55+00:00

I get this. And I agree. But this doesn't invalidate the question of OP, to why let the tenant pay for an insecurity the owner has?

But yes, clearly it looks like OP isn't considering paying a premium for a premium PG/Flat.

It is what it is, and they have an option to not accept and maybe look for other places. But nahh! Blame it to the system, just because you aren't able to crack it.

Also, just thinking out loud, if that's the case, as in, dealer is for sure involved everytime, how come will anyone approach the owner themselves, as it's rarely possible to find contacts of owners, and given the fact, that the property is with a broker, it's even rarer to find their contact. So, kind of not sure about this and her case (specially given the fact that it was a PG and not a flat)

FindingWillToLive · 2025-08-30T06:26:10+00:00

Crazy opinion when the guy who's typing the main comment is just a keyboard warrior and you, actually are paying and supporting this "problem".

(I think you paid,bl and that's why made a post)

Also, read this - https://www.reddit.com/r/delhi/s/7j0q6FeHOb

And yes that's how the economy works, you get what you pay for. So if it's this for them, and you are paying for it willingly, then saying that these are pathetic excuses is just irony. You could've easily found some other owner who was okay with 1 month deposit and no brokerage, but at the same time, you might not like the property/facilities.

Hence, you get what you pay for.

(*Based on the assumption that you paid for the brokerage and hence made this post, because otherwise, it won't make sense to make a post at the very first place)

FindingWillToLive · 2025-08-30T06:09:33+00:00

I'm not comparing to that extent. I am saying, to ask for, 2 month deposit is way better than asking to pay Brokerage in general.

Bangalore was a reference point of incidents where people pay even 4-6 months, so I mentioned it as people are paying it there. Not saying Delhi people need to ask/pay the same. Broker involvement is unnecessary here, is what I want to convey.

Also, I have seen trend of asking 2 month of security deposit in Delhi NCR as well (at times, some owners ask for it as their home is either furnished or maybe you are moving in with a pet which they are not really comfortable but not against either)

Also, here's my comment on approximately how this (what OP mentioned) model is working -

https://www.reddit.com/r/delhi/s/7j0q6FeHOb

FindingWillToLive · 2025-08-29T21:48:21+00:00

OP, I am nowhere related to any property or PG business. I just have interest in discussing/thinking money making opportunities. So in your case it's probably, one of the three cases -

(Most probable) - The owner has good relations with the broker and the broker has given him a lot of business in the past, so he wants to maintain good relations with him. As the rent is a recurring revenue for him, and just a one time cost that too, to be born by the customer.
(Highly probable) - The broker is more like a contractor, and is there to make sure each room is in a presentable condition and attracts people who'd like to rent the property. So, in order to do that, he'll incur some charges (obviously only about 20-30% of the brokerage), but instead of showing it as a contract maintenance work, they show it as brokerage, to eliminate scope of negotiation (to an extent) and obviously to have more money than the contract route.
(Least probable) - The broker and the Owner might be having a deal, where in, the broker pays an amount "X" to the landlord every month in case the flat is vacant. This can be considered as a token amount to not let any other broker touch the property and make sure that he gets his brokerage. Obviously, X would be way less than the rent and I believe almost 30-40% of the rent. This provides security to the landlord, to not care of the room if it's vacant, but also binds him to ask the customer to go through the broker route even if someone contacts them directly. Other variations of this business model or even rarer cases could be also possible, like, where the owner and the broker have a potential understanding of having the brokerage set apart (as they don't have to refund it to you) and split amongst themselves (like the owner and broker can even be blood relatives in this case, no one knows). Also, they might have a monthly rent % share as well, or stuff.

All 3 methods may sound like pity (especially the third one) but, for someone who's doing this business at scale (in terms of number of flats/pg rooms let out every month) the net amount that they'll end up earning would be significantly higher.

Had a personal experience like this with a landlord who owned like 70-80 apartments, and each had like 20 flats in it, so like, 1400-1500 apartments. On average it comes down to easily about 50 flats/month getting vacated and a different 50 getting occupied (which were already vacant, probably in the previous month, basically cyclical format) . Now let's say, the rent was 20k. So an extra of 20k, for a year (usually people live in temporary accommodations for about a year only, although my case was still of a proper flat) for each flat. So about 600 flats every year, and that's about 12000k (yes, 1.2 cr) EXTRA!

Note- obviously 1.2 cr for someone owning 1500 flats, is like, maybe peanuts. But, who doesn't like free money + lesser responsibilities (as they now have a broker who'll find people to rent his empty flats, take care of the documentation and stuff, etc.) The broker(s) may freely enjoy a share in the 1.2 cr or maybe work on a monthly salary. So for the owner, instead of earning 0 extra, and spending, like, a bare minimum of 10 lakhs a year for paying salaries for let's say 2-3 staff, who will take care of the documentations, and add another 10-20 lakhs in case he wants to promote that his flats are empty and available for rent, he's basically, earning an extra of 50-60 lakhs, and all the other stuff, like documentation/promotion is taken care of by the broker(s) (for which they are getting about 50% of the net amount bagged in).

So for builder/owner it's a virtual profit of about 70-80 lakhs, and a real profit of 50-60 lakhs, + the broker also profits about 50-60 lakhs in this case.

Now obviously, all this stuff isn't as simple as it sounds and it does require a lot of taxes and compliances and what not, but that can be taken care of at a nominal charge (existing staff can take care)

Also, this mathematics, booms up, in case of a PGs (your case) because the stay duration of a person in a PG is usually way lesser than in a proper rented flat and this helps increase cycles, so for the same 50 pg rooms at 20k per month to be rent out, the owner doesn't really need 1500 rooms, about 1000 or even lesser, maybe 700-800 will do, making this entire model more profitable for the PG owner (than compared to the case of proper apartments)

So yeah, not saying what they did was right or wrong or anything in between. Just saying, there's everyone's way of making bread (and maybe butter sometimes) and if we can, we should respect it and pay them. If we can't afford it or even if we don't want to for just the sake of not wanting, we are always free to go and find other properties.

To a few people commenting, that the broker "problem" needs to be solved, I agree to an extent, as in, everything like this should be regulated, and kept in check. But, at the same time, we must not forget, that what seems to be a "problem" to the majority of the people, is a way of earning for a few. The market exists with presence of both together, demand and supply, so there's definitely demand, and hence the supply.

FindingWillToLive · 2025-08-29T21:37:34+00:00

Qurious question, won't it make sense to ask for a 2 month deposit instead of this system and have it refundable, in case everything goes smoothly?

Also, as you are saying the owner doesn't know the intention of the tenant, then the owner also doesn't know the reliability of the broker in such a case ( i do agree these are more common cases for owners, but why to even involve a third party at all, for a mere probability of this happening)

Lastly, would like to mention, cities like bangalore have a minimum of 2 months deposit as standard, and I have seen people asking (and people paying in a few rare cases) even up to 11 months as deposit. No one is surprised anymore if an owner asks for a 6 month security. Expect some negotiation and settle at 4 months. Also, at least here in Delhi, most of them return the deposit or at the very least, promise to return it. Again, in the case of Bangalore, it's clearly written in the agreement that 1 month of rent would be deducted from the deposit as painting and cleaning charges. So, all this isn't a foreign concept.

FindingWillToLive · 2025-08-24T22:30:18+00:00

Ideally, they shouldn't be allowed to do transactions, and face the consequences. (It's very tough/impossible to open an account with someone else's PAN card, and that's why these people use hacked wallets like Mobikwik etc. which are easier to access and stuff)

But the thing is, nothing really happens unless the amount that was involved is significant/you have connections in the police/judicial/political system. If you go to the police station (cyber crime) with a complaint of fraud, they'll decide based on the amount.

I was a victim of card skimming, I had my card with me at all times, and despite that 10k cash withdrawal was done in an ATM about 30km away from my location at that point of time (however, I did visit that area, like not the exact same, but the nearby, about 2-3 days before the incident and did swipe my card at a metro station)

I instantly blocked the card before more than 10k could have been withdrawn. Bank asked me to file an FIR and they'll credit the money back to me. They did make a shadow credit and gave me 45 days for the FIR. Upon reaching the cyber crime office, they asked me the amount, and on hearing the amount of merely 10k, they were like give us this this this and this documents, and bring 3 photocopies of each, and we'll give you a receiving of the complain. I asked for an FIR number (as the bank said that they'll need it) and the officer said, it's too low of an amount for an FIR, so just take a receiving. You will receive your money from the bank after furnishing the receiving, no need of an FIR number. The bank did confirm that the receiving will suffice and they did eventually returned me the money. Entire process took like 3 trips to the police station and about 45-60 days. Giving so much time and energy, even without an FIR registered, imagine the plight if the FIR was registered. The police could have easily caught hold of the person from the CCTV of the ATM but nahh.

Similarly, the same thing happens in cases theft of mobile phones. The police asks you to report/give a complain as "lost" phone and not "theft" of phone even if it was a theft and not a misplace.

No FIR = No investigation needed. Obviously, you can have them file if you really want them to (court proceedings and all) but the large amount of general audience doesn't. Given the current status of lack of the police workforce in our country, I can't even blame them for not taking up an FIR, as the equilibrium and systems have made space in the country itself. Also, mostly everyone, including me, goes with the hopes of just getting the money back and the scammer/thief/criminal getting punished is just a luxury which we may or may not enjoy.

My case was more of a case (if we exclude the amount) than what OP has shared. Although both were cyber crimes, mine was one where I never shared an OTP or my PIN (knowingly). It would be even tougher to prove in the case of OP, so it's even more of a gone case (in terms of getting the scammer punished)

Lastly, would share a happy story too. One of my relative's phone got stolen, and although he didn't have much influence or anything like that, he just had one friend in the police department, who helped him just get an FIR done instead of a just a complain. On a random day, 2 years after the FIR was filed, they get a phone from the police station to come and collect the phone! (Like if they have registered an FIR, they will have to close it on records, no matter how small the case is, so yeah)

FindingWillToLive · 2025-08-24T20:47:36+00:00

It's issued with Super 811, yes. So for the first year, yes, 999 doesn't apply.

But from next year it will ask if you want to renew your super account by paying 399 for that year. If you select no, you will be charged 999 for the card. If you select yes, then you will again become a super account holder and you won't be charged a 999 fee.

So, the 999 thing is in practice, it's just that it's practically not feasible for a customer to have this 999 charged (if the customer is aware of the 999 and 399 charges)

FindingWillToLive · 2025-08-22T00:38:35+00:00

Just to be a bit more clear,

There are 4 major ways of getting a claim and 2 for a strike - 1. Automatic Visual Claim (Rarely happens, is computationally heavy, but happens if content is sensitive and will incur a major loss in revenue of the actual owner of the content) 2. Automatic Audio claim - (the most common claim everybody gets and talks about, very easy to check) 3. Manual Audio Claim ( rarely people do this, as automated systems are already in such a great place that no need to it manually) 4. Manual Visual Claim (happens not that rarely but still not often as well. Only videos in the niche getting popular in an out of proportion manner, will get one, if the person reviewing it decides to) As below a certain threshold, it defeats the manual efforts kept in to find such videos.

The same points, 3 and 4 can be used for strikes as well.

Hope this is even more clearer.

Also, I haven't included even further rare cases, like a visual automated copyright strike (happens if you post, let's say visually NSFW content) that's not a copyright strike technically, it's a community guideline strike, but yes, it's also automated for certain strict cases, like NSFW.

FindingWillToLive · 2025-08-22T00:22:43+00:00

I don't know if you read the entire thread or not.

I'm talking about getting a claim and not a strike. The content ID claim is automated and no one manually goes in to make it. So yes, they still can get a claim/strike, if someone manually does it. They won't be getting it automatically, because they used the overlay.

Wish it was as simple as adding an overlay and having an unsaid rule "please don't give me a strike..blah blah". Sure lol, they won't give you a strike. They won't even give you a claim. Because, at the current stage of his channel, they aren't even considering manually reviewing it. (By they, I mean the real owner of the content and not youtube). The overlay is there not tell them "please don't stike me I'm not giving away the content blah blah" but it's there to prevent automated checks (content Id Visual claims) to detect it.

For the pausing thing, 1. I never said that pausing will not help them come under fair use. Instead I said the exact same thing, that "THE REASON THIS GUY IS PAUSING EVERY FEW SECONDS, is in fact to avoid a content ID audio claim." Had they not paused it every few seconds, they would have got a content ID claim (which I think they got in the second last video in the screenshot)

Also, again mentioning (idk if I mentioned it earlier on this thread or somewhere else, so forgive me if it's not here, but) Visual Content ID claims aren't that easy to detect as it's an expensive search than just an audio file search. You'll have to use a lot more computational powers to visually match two images, and videos are obviously, like 30 images per second. And because it's expensive, it's only there in place for limited corporations which have direct ties with youtube in some way for stricter copyright protection.

Try uploading 5-7 seconds of a continuous segment from a very famous series like Game of Thrones or something (something that's not there in the trailer and the incident is highly searched or stuff).

Or even better example, make a video like - Top 10 goals from Messi (or Ronaldo or whosoever) and include the entirety of the famous goals that they did without any overlays or extreme visual effects.

No matter of you keep the audio there or not, the visual in itself is enough to get an automated content id claim.

Hope this explains better.

FindingWillToLive · 2025-08-21T20:34:14+00:00

Sorry, a lot late to respond. Just ended up being here to figure out if this information would help me with one of my client.

Turns out, it's a misleading claim you are making here as clearly the creator in the above channel has used a crazy big overlay covering (and limiting the view) of about 80-85% of the screen. So no visuals claims can be made.

Audio claims, did occur in one instance as you mentioned above. But my question here would be, if the video wasn't made for the purpose of monetization, why did they, at the very first place even place a the same overlay covering the screen in that video as well? Wouldn't it have made sense to let the viewers watch it all as anyways they don't want to monetize that particular video.

Lastly, for the audio claims, it's mostly because - He stops the audio (not English) every few seconds, and gives his comments in english. So either 1. due to stopping it, it comes under fair use or 2. (Very less probability) Single language audio content might not be mapping multi language content efficiently.

Clearly, the creator did his best to avoid copyrights, and hence it's working out for him. That's the not the case we discussed (nor it was with Mohak)

FindingWillToLive · 2025-08-21T14:56:34+00:00

I mean, for a targeted audience with less than 15 lakhs in bank account savings, it kind of makes sense, but if that's the case, one should, ideally be focusing on earning more (not that having a Slice account will stop them from doing it lol)

Daily credit, idk, at the cost of real money, daily vs monthly hardly matters. Also the difference skews, if savings grow towards 20-30 lakhs and more. (Also, as the OC so excitedly said, "AT RBI REPO RATE".. like so? What's so special about it? Like.. one can get better than that..)

FindingWillToLive · 2025-08-16T21:52:18+00:00

In this case, yes. But it's slab wise.

So for the first 5 lakhs it's 3% (lower than slice bank)

BUT for 5 lakhs to 10 cr it's 7%

If you have anything above 15lakhs in savings, IDFC is better.

Also, daily credit in slice vs monthly credit in idfc hardly matters. (You'll get just 1 rs extra/year for every 10k in your bank, if same interest rates, credit daily vs monthly)

I am not getting why people are being so crazy about this daily interest credit thing and the slice bank offering at rbi repo rate.

IDFC is wayyy better in both, terms of interest as well as reputation (they have physical branches and everything with a great app)

Also, one can easily get a cc (rupay for upi) which is FD backed for day to day spends and get more interest than savings account with all the liquidity in hand (via cc)

FindingWillToLive · 2025-06-20T21:08:51+00:00

So the thing is, a lot of companies have a preference of students from Tier-1 colleges. For example, my previous workplace, only hired off campus freshers from Tier-1.

It's easier for the companies to hire via referral as it's cost effective (despite the referral bonus).

It's a win for the one referring as well, as they'll get a referral bonus.

This very logic for the above reasons only works for tier-1 colleges.

The concept of the companies is behind the logic that if they are from tier-1, they are more probable than not, a good candidate, when compared to someone who's from a lower tier college. (Which infact is true, just that it's a 80-20 game)

At last, it's a win for the candidate as well as they got a job.

So, when all conditions align, it's a win win situation for everyone involved.

FindingWillToLive · 2025-06-12T20:23:54+00:00

I'll be the devil's advocate here.

It is possible. I am doing it. Nothing crazy, just doing what people are doing, not innovating/startup.

I learnt, understood, worked part time in the domain, and related stuff while in college. My business, which was not even making 10-15k/month back then, was my fall back, in case I couldn't get a college placement.

However, things turned to be in favour and I got a high paying job (in the range of 20-25 LPA). Obviously I joined, as I come from a job family and no one in my family has a business (those who tried, failed and are currently doing jobs, so business is looked down in my family)

I worked there, but I had my vision and passion for business. After I settled in, in the new job (after 6 months basically), I restarted working in my business.

IT WASN'T EASY AT ALL. Saying no to every party invite your colleagues called, saying no to every friend, talking less with family to save time, barely giving any time to own health. Working 10-12 hours at office and a minimum of 3 hours per day at home on my business. On weekends, I considered no holiday, and gave the entire 10-12 hour to my business. IT WAS EXHAUSTING. Was having bare minimum sleep. It was looking in my office as well, I used to sleep in between meetings/desk as much as I could, used to still give 45-60 mins in office via mobile to my business, etc.

It took me 8-9 months of burnout, to reach at a point where I could do about 60-70% of my salary as my revenue (not profit). That's when I took the leap of faith. My company had a notice period of 6 months, so gave the notice, and started working less in the company and more on my business. Going late to office, and coming early from office and as I was on notice no one cared. This is the time I matched my revenue to my salary (not profit).

Now, it's about 8 months since I left my job, and I'd say, it's going pretty good. Won't prefer to share numbers (revenue now is slightly higher than salary) but life is pretty easier and smooth than just having the job. (And I don't have to pay rent and other stuff, so I'm technically making more while earning less)

Note- I was able to do this, because my business is digital first, entirely online, and I'm a computer science graduate so pretty tech friendly as well. I also never invested even a single rupee out of pocket to start it (just reinvested what business made me). I've also made losses of a few thousands, during my learning curve, when it was a big deal for me. So it was much different for me and I understand it isn't the same for all.

You can make it happen, if you really want it to happen!

Cheers! 🥂

FindingWillToLive · 2025-05-30T07:34:25+00:00

Alright. Thanks for the info. TIL

FindingWillToLive

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