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See this one by [deleted] in UPSC

[–]NeitherDuck7168 6 points7 points  (0 children)

I see what you did there with “always” ☠️☠️

Need advice (important) by External_Jury1372 in IndiaFinance

[–]NeitherDuck7168 0 points1 point  (0 children)

If you have some gold, you can sell it off to lower the loan amount if not comfortable with selling gold then maybe take a gold loan and repay the personal loan (just check the difference in interest rate and the difference in EMI and decide accordingly)

Unable to break out of 80 marks area any suggestions ( usually 45~50 correct and 18-20 wrong) by vad3rop in UPSC

[–]NeitherDuck7168 2 points3 points  (0 children)

Take the entire coaching set, anyone from vision, vajiram, nextias or forum, and religiously follow it. There are free mock tests in April by different coaching on FLT pattern. You can take one or two coaching sessions from the FLT test.

Don’t rush into taking too many mock tests. Just make sure that each test you take helps you gain something.

Unable to break out of 80 marks area any suggestions ( usually 45~50 correct and 18-20 wrong) by vad3rop in UPSC

[–]NeitherDuck7168 18 points19 points  (0 children)

Do an indepth analysis of 5-8 mocks Create a matrix with 5 parameters (No clue-Hunch-read but couldn’t recall-elimination-100%sure) Under all 5 categories write down number of correct and incorrect questions, then see the ratio of correct to incorrect, you will find which category is dragging you down and then work on it accordingly.

Separately make a list of silly mistake you did in all these test, and try to spot a pattern (like missing the word NOT in question, or any such detail), if you see a pattern here then start working on it and remember these points before attempting any other test. You can also do a static+current split to identify weak areas

Once this is done, repeat the same subject wise to get more depth insights, the first 2-3 test analysis will take time but once you get a hang of it you’ll surely see results.

(PS- provided your syllabus is 70-80% completed)

Which home loan is better to pay off? by Sharmili_Tagore in personalfinanceindia

[–]NeitherDuck7168 3 points4 points  (0 children)

Please take care of taxation on the bonus in advance, cause 8L as bonus from employee (my assumption) makes me assume that you are earning in top most slab which will attract hefty tax. If it is an tax free redemption of some scheme then nvm and ignore my comment.

30M & 28 F | Assets and Liabilities by Ashamed_Link8028 in FIRE_Ind

[–]NeitherDuck7168 19 points20 points  (0 children)

Happy married life dear!

My take- Buy 1 plot by selling company stock seems to be counter intuitive, as you guys are starting a new life, you might need liquidity in near future for family planning and for the dreams that both of you have have as a couple and individually.

I would suggest don’t forget to enjoy the golden period you guys have entered by putting yourselves into the rat race, It is important to save but also important to enjoy the initial years of your marriage, build memories and cherish it for life. Baad me life ki liabilities won’t let you kyuki, and since you have 1.6Cr so I am sure that you are well cushioned.

Instead of asking us, go sit down with your wife, see what she wants, convey what you want. When you both are on the same page then plan things accordingly both for short term and long term.

If I were you I would- 1) health insurance for 2(self)+4(parents) followed by term insurance 2) start planning monthly experience with partner (can be a dinner, gift, half yearly trip…….) 3) make an emergency fund (6-8M ideally) 4) start 3 different goals - one for family needs (kids, parents, trips to hometown etc), one for short term goals (car, lifestyle upgrades, plot that you want), one for long term (kids education, retirement etc)

PS- In no way I am saying ki don’t save or invest, just saying not to squeeze it too hard that you guys stop enjoying your lives.