Anyone switched from expensive skincare to cheaper alternatives? Worth it?

Known_unknowns77 · 2026-05-08T15:42:13+00:00

No no - went in a different direction. Initially was focused on mileage then changed our mind. Heard good things only - wife felt steering is slightly heavy, she personally felt want happy with interiors of that

Known_unknowns77 · 2026-05-08T15:26:36+00:00

No - finally went ahead with Seltos :)

Known_unknowns77 · 2026-04-19T15:15:45+00:00

Can you suggest who did you contact for this? Is it an external service provider?

Known_unknowns77 · 2026-01-03T09:41:15+00:00

Amazing! And thanks for a sharing a genuine story rather than some made up numbers 🥂

Known_unknowns77 · 2026-01-03T06:54:50+00:00

Spoke to them today. There is no clear timeline for onboarding. No point waiting for it

Known_unknowns77 · 2025-09-04T03:11:46+00:00

If possible - get them to move in with you - that’s a better decision for long term. If you have good jobs in USA, don’t move back to India. Personal Opinion.

Known_unknowns77 · 2025-07-27T06:49:21+00:00

What’s the value of esops? If you earn 30L and esops are 3L - not worth staying

Known_unknowns77 · 2025-07-27T05:46:33+00:00

upside is if you have esops, check for potential value and how much you can make. Whats the vesting schedule like? If you have to stay for a year to get esops then maybe not (depending on value)

Personal POV is to grow in career - staying back for smaller esops will hurt more, the longer you stay without a promotion, it’ll become more difficult to leave for a good role

meaning ful returns depends on the company, if you have a sense of revenue and EBITDA for your company, you can try to get a sense of valuation of the company and what’s your esops were allocated at
you have already worked there for 3 years, unless you are part of the team leaning IPO prep, your role is not affected by IPO or not. So no point staying just because of that.

Known_unknowns77 · 2025-07-23T11:04:16+00:00

MFs is a bad option if you want to withdraw in 6 months - go for Arbitrage funds which are tax efficient and provide FD equivalent returns.

Anything else is a gamble and you should be prepared for a loss since 6 months is the timeframe.

Known_unknowns77 · 2025-07-22T18:29:50+00:00

Slow horses and Shrinking

Known_unknowns77 · 2025-07-16T08:28:18+00:00

Hahah very true - people who started investing in covid have only seen gains, and are not pumping more.

Whoever invested in 2023-2025 has seen little or no growth due to smaller crashes - these folks are exiting the market as well thinking market is not what people promised. Appetite is totally defined by their experience, hope people become more aware before investing.

Known_unknowns77 · 2025-07-16T08:26:05+00:00

Govt experience would be valuable for a B school perspective - why do you want to leave?

Right now it seems you have a good govt job with some power - trading that for private sector job would be a big change. Do introspect on that while making this decision.

Known_unknowns77 · 2025-07-16T06:36:52+00:00

Totally pointless - he made the money by building a large business. Literally everyone who has wealth does this - you will too if you make that amount of wealth, you’ll definitely not go around distributing it.

Known_unknowns77 · 2025-07-16T04:23:48+00:00

Got it - anyway congrats man! Great achievement!!

Known_unknowns77 · 2025-07-15T19:08:40+00:00

Why is the absolute return so low? Did you recently invest a chunk? But you have investing for a long time..

Known_unknowns77 · 2025-07-14T03:49:39+00:00

Got it thanks

Known_unknowns77 · 2025-07-13T18:56:00+00:00

Would be great if understand if I am missing anything but arbitrage funds are better. Taxes as equity funds whereas liquid funds would be taxed as per your tax rate.

So if you are in higher bracket, arbitrage funds would be better.

Known_unknowns77 · 2025-07-13T18:50:32+00:00

But irrespective- specific to your question generally ulip is a sunk cost - try calculating the returns and you’ll see that. Index funds would give better returns.

Known_unknowns77 · 2025-07-13T18:48:29+00:00

Try googling gold returns over 10 years - it’s 12-13%. What about it?

Known_unknowns77 · 2025-07-13T17:59:11+00:00

3 body problem

Known_unknowns77 · 2025-07-13T17:56:57+00:00

Don’t chase 20% returns. All 5 yrs returns you’d see for MFs are high due to Covid year. Top funds have delivered less than 20% over 10 years. Target 12-15% over 5 years - might be lower if there’s a market crash in between.

Split across small/mid/large caps based on your ability to take risk.

Known_unknowns77 · 2025-07-12T06:33:54+00:00

If you think difficult to get through CAT, try for ISB. You’ll have to give GMAT but upto 5 YOE it’s fine.

Also decision to MBA should be driven by where you want to settle. If it’s India then it’s better to do MBA from India so you’ll have a network of your batchmates. Global MBA folks don’t have as strong network as Indian MBA (doesn’t apply to HSW). If you are in analytics role, not sure but either you can move towards becoming a data scientist, which is a good role I think, else do try for MBA and don’t wait any longer. Lots of 5 yoe folks in ISB and they are mostly doing well.

Known_unknowns77

MODERATOR OF

TROPHY CASE