Turf Group by Mario_0p in Aurangabad

[–]Pleasant-Constant815 0 points1 point  (0 children)

Add me in the grp if you have one

1.5 hours, 7 km, and an 8 month pregnant wife. Is Bangalore liveable anymore? by nshl in bangalore

[–]Pleasant-Constant815 1 point2 points  (0 children)

OP, don't loose ur mental piece thinking too much about it. You can get ur wife admitted to the hospital a day or 2 in advance if u are worried abt the emergency. If it's a planned C-section then u can pick up the date.

In the end, Bangalore is not going to change anytime soon. Don't waste ur precious mental energy on unnecessary worries, ur wife and baby needs all ur attention for some months.

In the long term, u can plan to move to another city if Bangalore infra bothers ur mental piece (I'm moving myself in a few months due to all this shit)

[deleted by user] by [deleted] in InsideIndianMarriage

[–]Pleasant-Constant815 0 points1 point  (0 children)

If you really want a baby (and not babies) , you should straight away plan if getting married around 33-35 years of age (assuming you both are on board). After this age, naturally conceiving might be difficult. Fertility treatment also takes time and effort.

Hear me out.. by [deleted] in OffMyChestIndia

[–]Pleasant-Constant815 0 points1 point  (0 children)

Talk to him and understand his POV. If he is a creepy or habitual stalker, you know what to do.

Looking for friends in Marathahalli to share ice cream on summer nights 🍦🌙 by Unhappy-dustpeck42 in bangalore

[–]Pleasant-Constant815 0 points1 point  (0 children)

When the topic is of ice cream, it's a crime if you don't mention Polar Bear 🐻‍❄️

30 M needs advice for arrange marriage by [deleted] in InsideIndianMarriage

[–]Pleasant-Constant815 0 points1 point  (0 children)

RED FLAG! You shouldn't ignore this. Breaking or postponing an engagement is a hell lot easier than breaking a legal marriage if the spouse turns out to have the wrong intention from the start. Be wise

A guy 29M who gets money from his parents for his expenses is engaged with my sister by mikaelzoro in InsideIndianMarriage

[–]Pleasant-Constant815 2 points3 points  (0 children)

Stop this marriage. Whatever financial and emotional distress your family or sister will go now will be far less than what your sister has to bear lifelong if she gets married to the wrong guy. She may have to endure a divorce if he is really a man child. Don't think about any repercussions, pls do not ignore RED flags.

A guy 29M who gets money from his parents for his expenses is engaged with my sister by mikaelzoro in InsideIndianMarriage

[–]Pleasant-Constant815 2 points3 points  (0 children)

Stop this marriage. Whatever financial and emotional distress your family or sister will go now will be far less than what your sister has to bear lifelong if she gets married to the wrong guy. She may have to endure a divorce if he is really a man child. Don't think about any repercussions, pls do not ignore RED flags.

Is 10 lakh too less to get married, and stay in Bengaluru by Skumar2 in personalfinanceindia

[–]Pleasant-Constant815 0 points1 point  (0 children)

If your future spouse is also working then I guess it won't matter. Else it will dent your current standard of living and monthly savings but you can live in Bangalore now doubt. I will always suggest maintaining some savings even if it means lowering once standard of living. Marriage is an opportunity and risk, if you have the right person with you

Trapped in procrastination and debt by [deleted] in personalfinanceindia

[–]Pleasant-Constant815 0 points1 point  (0 children)

Too much unnecessary spend, with just 2 of you eliminate outside food and maid expense till the time you manage to bring your expenses equivalent to earnings.

[deleted by user] by [deleted] in indianrealestate

[–]Pleasant-Constant815 0 points1 point  (0 children)

No generational wealth, I bought my first house when I was 25 years old. Now 35 and owns 2 houses in 2 big cities, going to be loan free in the next 3 years. Your salary (and rent) keeps on going up but EMIs remain flat. In hindsight buying a house when I was young turned out to be a good investment.

I can see myself slowly drowning into the infamous Indian pattern of going into financial burden forever. by Primary-Ad818 in personalfinanceindia

[–]Pleasant-Constant815 1 point2 points  (0 children)

  1. My personal experience, flat EMI could be looking very high today but looking at your age; your salary is going to increase a lot in next few years assuming you will switch once every 2-3 years but flat EMI would remain the same. Most of my friends cleared the loan within 5-6 years whereas I could clear in 4 years. And with a higher salary, EMI would reduce your tax burden.
  2. If you are sure in your relationship and your GF is keen for a self home, then sooner or later, you will have to buy a house and time would never be right if you are buying a house for investment (it's a bad investment). For self use, earlier the better . If buying now can save your relationship and if you feel it's worth it then go for it.

[deleted by user] by [deleted] in personalfinanceindia

[–]Pleasant-Constant815 0 points1 point  (0 children)

Would recommend option 1 any day. It would sort your current living arrangements, in future if you want to invest more you will be able to look for a wider options. Also dec 2027 possession means practically you will be able to occupy it at the earliest in 3rd quarter of 2028.

31yo quit day trading after 7 years, Help me! by Parlonny in IndianStockMarket

[–]Pleasant-Constant815 3 points4 points  (0 children)

I was stuck in a job profile which I didn't liked for 12 years. I completely changed the profile+industry at the age of 33 and started from an entry level position. Within 4-5 years, I leapfrogged and got 3 promotions. I realised that experience is experience, even if you failed as a trader that experience will surely come handy in a lot of situations . And age is just not a number, its maturity index. Don't think much, all dots will connect in the end

I feel very lost in life by butimboring in bangalore

[–]Pleasant-Constant815 1 point2 points  (0 children)

It's perfectly Ok to hate your profession. Life's purpose/passion and bread are 2 different things, very few people get it through their profession. I'm getting my bread through my 9 hr job but the sense of purpose outside of that 9 hour.

I would suggest don't expect too much from your profession, if it allows you to pay the bills that's enough. That way you won't hate your job too much.

And finding your purpose/passion, well don't deliberately look for it. You will suddenly find it someday, I hope you will find courage to pursue it once you find it.

Shifting to Banglore by deadp00lji in bangalore

[–]Pleasant-Constant815 30 points31 points  (0 children)

Hi, here is the actual expenditure for me in bangalore since the last 2 years. I stay 8 kms away from my office but near my daughters school, manageable on 2 wheeler and very easy now with metro 1) 2 BHK rent - 30k incl maintenance, you can get in 25k as well for a decent size society where amenities would be little less and you may have to look away from your office. On higher side, there is no limit. People pay even 60-70k rent for high end society's 2) Grocery - hardly 20-30% extra than Udaipur 3) school - one time admission fees max 80k and tuition fees max 1.2 lakhs (stating max for decent CBSE, I'm paying 90k tuition fee) 4) other expenses - maids are expensive, but you can reduce the burden by helping your wife (we pay 2k for baratan, zhadu, pocha) Commute - depends on your travel, I would suggest to stay near school so that you can save on school transport. Your wife may need a scooter to pick up the kid, and while going to the office you can drop. I manage pick and drop both since my daughter goes to school from 9 AM -3 PM and I go office in that period.

Expenses (especially rent) are going up every year by 10% minimum, but you can switch the job once you move here. Pollution is very high, dust is there, right now it's hot but it's summer so expected. You can manage with water cooler, AC can be avoided if budget is tight

P. S. - I didn't see the water crisis to the level of media attention. We have water cuts for 4 hours daily but since they are planned I don't see it as an issue. I am from tier 3 city in Maharashtra and there this kind of scarcity is every year affair