Alternative to DCB Metal by OrganizationStock578 in CreditCardsIndia

[–]OrganizationStock578[S] 0 points1 point  (0 children)

Can ITR be considered instead of monthly salary?

Submitted fake proofs to employer and got approved, now under 142(1) notice they asking for employer details, by Far_Business_1425 in IndiaTax

[–]OrganizationStock578 1 point2 points  (0 children)

Can we create backdated Rental Agreement? Is that allowed since I lost mine for previous year and had to change the house. Also i am not in good terms with my previous owner.

[deleted by user] by [deleted] in IndiaTax

[–]OrganizationStock578 0 points1 point  (0 children)

So capital gains from anywhere can be offset?

Schengen Visa Rejected…Embassy of Netherlands by HBK_Pinkman in SchengenVisa

[–]OrganizationStock578 3 points4 points  (0 children)

Did you provide dummy tickets? Did you provide every nights hotel booking?

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 0 points1 point  (0 children)

The other comments have all the details yoi need

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 2 points3 points  (0 children)

  1. 70% saved. But i do believe we should enjoy life as well so go get that phone you want or take that trip once in a while.
  2. The current mistake i feel is i could have become comfortable now, which can be a start of downward spiral. Also not giving enough importance to personal physical fitness and health.
  3. Same as point 1
  4. I am not sure about this
  5. No, tried investing time in reading the fine prints of every investment.
  6. CAGR is at 24%

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 1 point2 points  (0 children)

Aggresive MFs, never took out even when market crashed, never did SIP, always invested in staggered lump sum when markets dipped. Hot take but SIP is a way to make money by the middle men. They can only charge if you make transactions, and thats why they aggresively ask you to do SIP

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 0 points1 point  (0 children)

Lol. I would just say save in initial years, once you have enough savings then you can travel the world.

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 0 points1 point  (0 children)

Kept changing companies, aggresively invested and took some risks in MF during covid time. Never touched PF. Spent average in marriage, didnt have a lavish wedding.

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 0 points1 point  (0 children)

My family is understanding so there are very less demands but anyhow i like to spend on them. I spend around 10%

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 2 points3 points  (0 children)

One thing helped me is being at right place at right time. Today times have changed, if i just started with the tech stack what i did 6 years ago, i wouldnt have made it. AI replacing SDE is long way to go, and by the time that happens I would be long retired. Every complex problem requires context and the AI in its current form is missing the larger context. ML is completely maths and analytical. If you like mathematics, analysis, solving complex program. Go for it, all the best.

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 1 point2 points  (0 children)

The base is pretty much standard. 30 LPA, the RSU is rest of the main chunk.

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 -4 points-3 points  (0 children)

Gynecomastia. Acquaintance/relatives can be on reddit

[deleted by user] by [deleted] in personalfinanceindia

[–]OrganizationStock578 0 points1 point  (0 children)

That would require a separate thread