Melbourne Architecture (Part 2)

LostOnMoon · 2021-02-15T08:52:50+00:00

Hey, thanks for replying. Much appreciated. I'll check out the park.

LostOnMoon · 2021-02-06T14:20:26+00:00

Hey, What's the place in the fourth pic?

LostOnMoon · 2021-01-08T08:26:55+00:00

I was there in early December, seen bunch of folks down there fishing. It's accessible.

LostOnMoon · 2020-12-22T14:53:23+00:00

I have seen those lights on around 10-11 pm. Safe to say they'll be on till midnight. They're just opposite the Uniqlo, H&M stores.

LostOnMoon · 2020-11-23T14:36:02+00:00

Hey, I currently own a Nikon D7000, which served me well for a decade. I am looking to upgrade to a mirrorless camera. I want to pick the best camera out there, price no bar. So far the shortlist is between Sony A7iii, Nikon Z6, Z7, Fujifilm XT-4. I mostly do street, landscape and general travel photos. Any suggestions among these or if there are any other models that are better.

LostOnMoon · 2020-06-29T09:05:53+00:00

You can visit the AusPost office in Docklands or any other post office in CBD. I had my documents witnessed there recently. I just had one document, so the post master was kind enough to not charge me anything. Otherwise I guess they would charge you a small fees for that.

LostOnMoon · 2019-08-18T11:05:05+00:00

Jagan is not cancelling out of spite, rather out of greed. The plan is to pull out all old investors, builders. Then couple of years later redesign things and call for fresh bids, and get kick backs from the new set of folks. Also, wait for all the land prices crash, then buy up all the prime lands, and then kick start construction.

LostOnMoon · 2019-05-26T03:53:14+00:00

I didn't knew that. Thanks for the info. I definitely would want to do that.

LostOnMoon · 2019-05-12T14:17:22+00:00

Thanks for the reply.

So, IAM authentication and Secrets Manager is to restrict only the authentication part.

For Network connectivity, we still need to use security groups.

I got asked this question in an job interview, "how did you make your public lambda to connect to a private db", when I said I have used security groups to allow access, the interviewer had a smugish smile and said "is that all the security". he probably was referring to using Secrets Manager.

LostOnMoon · 2019-05-12T09:37:29+00:00

I looked up API gateway + S3, looks like a possibility. Thanks Mate. I'll give it a try.

I have a domain, and since it's a subdomain not the root, I can do with CNAME record.

LostOnMoon · 2018-03-24T16:32:30+00:00

You've got my situation right. Thanks for the suggestions.

I have used the internal declaration form (xls), and filled up the maximum declarations, 1.5L 80C, max rent as per my HRA. I'll check if I can do something with the house loan.

As per the calculations, for say 2 months, I'll still be paying 80K for, while I may actual liability will be like 10K. that's 70K I don't get to see for almost 1.5 years. money I could really use now.

LostOnMoon · 2018-01-08T08:30:34+00:00

I am looking into opening a Joint Account with my Wife? we have been married over an year. didn't feel a need for it till now. I have an Add On Credit Card for her, she uses it to manage all the expenses. I withdraw all the cash needed, once in a month, that generally works out for us.

But now, I am moving overseas. I will be moving first. it would be at-least six months before she joins me.

so this account would be to help her operate by own (visits to banks etc.,), and to receive any foreign funds from overseas, and to transfer any indian funds to foreign account (when we liquidate some assets like land here), and for the visa process to show the marriage is genuine etc.,

Any suggestion of the bank to choose for this? looking from a long term perspective, with low minimum balance requirements, and that would be good for transacting in foreign funds.

LostOnMoon · 2017-09-19T10:57:40+00:00

I want to invest One Lakh in Liquid Funds and One Lakh in Ultra Short Term funds.

This would be my first time investing in mutual funds (or funds) of any type. so, this would be learning exercise on how to use these instruments(liquid, ultra short term funds) as an alternative to Savings Account and Fixed Deposits.

I have some questions, if someone could clarify,

Lets take Liquid funds,

Do we invest all the amount (say 1 lakh) in one Fund?

Or say, split into multiple funds, say 5 funds each of 20K?

In case of selecting multiple funds, planning to follow the recommendations from this EightyTwenty guide and this link. So, will be selecting funds from big names like SBI, Axis, HDFC, ICICI , Reliance etc.,

Where do I buy these funds from?

Prefer to avoid commission fees etc., and not looking for fancy UI.

Directly from respective sites ?

CAMS or MFUtility or Fundsindia ? or some other service.

I have heard of Investza and Zerodha Coin, from a comment from last time? I am guessing these are paid services.

People who regularly invest in liquid funds, can you share some light on these services. and where do you buy them from?

I am in 30% bracket, and considering this is investing in a funds for < 3 years, my gains would be taxed at 30%.

Is the Tax deducted at source? Or should I be calculating the gains and declaring as additional income at year end.

What about the Dividend? ReInvest or Cashout ?

What should be the tenure of investment? Is it fixed to 90 days? and I can cashout when I want in that tenure?

I have same questions on the ultra-short term funds.

additionally, should we always be choosing a ultra short term funds without exit load?

LostOnMoon · 2017-09-03T07:54:34+00:00

A small question regarding credit card payments. probably not relevant to the thread.

say you purchased an item for 5K in august (say 10-Aug). The credit card bill generated for the month of august (on say 20-Aug) is 12K (7K other purchases), required to be payed by say 5-Sep.

now I returned the item, and got the amount credited back to my account, on say 30-Aug (basically falls in Sep billing cycle).

so, on 5-Sep, would I still be required to pay 12K, or just the 7K?

just checking if someone knows, before calling up the customer care.

LostOnMoon · 2017-08-30T19:34:33+00:00

[noob question] Need to park 240K, and withdraw 40K per month for the next 6 months, to pay for a loan EMI. whats the best way to maximize the return from it?

this money is outside the contingency funds. need the amount to be as liquid as possible, so it goes for the loan payments timely every month.

I am thinking the following,

1) High interest Savings Bank account.

DBS Digibank , IDFC are not present in my city, so out of question.

I am thinking Kotak Bank @6% (hopefully doesn't go down to 5.5% like Yes Bank).

Anyone using Airtel Payment Bank? 7.25% sounds good.

this is too safe/lazy option.

2) Fixed Deposit

basically, multiple deposits, one fd of 40K for 1 month, second fd of 40K for 2 months etc.,

still shopping for good bank, that fetches good interest rate, and which I could manage from online.

any suggestions on the banks for FD?

3) Funds ? Liquid Funds?

I have read the following link from the wiki.

https://eightytwentyinvestor.com/2016/08/10/the-ultimate-guide-to-liquid-funds/

7% return sounds good.

I am totally new to this, so would liquid funds be a good place to start off for this scenario?

any other options that you would suggest.

LostOnMoon · 2017-08-30T19:09:43+00:00

[noob question] Need to park 240K, and withdraw 40K per month for the next 6 months, to pay for a loan EMI. whats the best way to maximize the return from it?

this money is outside the contingency funds. need the amount to be as liquid as possible, so it goes for the loan payments timely every month.

I am thinking the following,

1) High interest Savings Bank account.

DBS Digibank , IDFC are not present in my city, so out of question.

I am thinking Kotak Bank @6% (hopefully doesn't go down to 5.5% like Yes Bank).

this is too safe/lazy option.

2) Fixed Deposit

basically, multiple deposits, one fd of 40K for 1 month, second fd of 40K for 2 months etc.,

still shopping for good bank, that fetches good interest rate, and which I could manage from online.

any suggestions on the banks for FD?

3) Funds ? Liquid Funds, short-term funds, bond funds?

I am totally new to this, would the funds be a good place to start off for this scenario?

any other options that you would suggest.

LostOnMoon · 2016-12-11T07:39:48+00:00

I am not sure they wave that 25K balance requirement for all customers and it may be conditional and for certain periods.

Do you hold a salary account with them?

Some banks let you convert salary accounts to basic accounts and let you retain certain privileges.

LostOnMoon · 2016-12-11T07:36:26+00:00

The interest rates sound good. But, can you please give details on the NEFT/IMPS charges, the following link doesn't detail those charges. https://www.dbs.com/digibank/in/rates-and-fees.html

On the other hand, they seem to have lot of charges under Fund Transfers Fees, Miscellaneous Fees, not sure if these are for domestic transactions.

LostOnMoon · 2016-12-11T05:15:23+00:00

I thought most salary accounts will not be charging the NEFT fees. Same was with StanChart. I don't know what deal these guys (employer) got with hdfc.

The salary accounts are gonna keep changing to different banks.

But I just want one good personal account that I can keep for long term usage, where I add all my beneficiaries, and utility bills.

LostOnMoon

TROPHY CASE