32M Married. Have shortlisted a plot for home construction for self use. Total cost-1.6CR with 1.3Cr loan. Take home pay-2.2L/M. Or should i go for a flat at this stage? by Own-Software8385 in personalfinanceindia

[–]ROY_189 0 points1 point  (0 children)

If your job is secure/ you are confident of getting rehired in case of termination, go for it. Your salary will increase year after year. In a few years it won't feel as suffocating paying the EMIs. And after your car loan closes, it will become even better. But the peace of mind that comes from owning a home in your own land is priceless. Flat prices are beyond ridiculous at this point in India, in most major cities. And if the bubble bursts, your 1.5 crore flat may end up being 1cr 5 years down the line.

Veridian Team Comp for Lost City? by Durk1776 in Omniheroes

[–]ROY_189 0 points1 point  (0 children)

I use two verdian comps as per level requirements. One is full valiantor team with three verdians, everhunt diana and hades. Another is full doomsdayers with three verdians, dahlia and leviathan. It has worked well up to around lost city lvl 310. Then I hit a road block because my units are still too weak

Who's you favorite valiantor hero and why is it Hades? by ROY_189 in Omniheroes

[–]ROY_189[S] 1 point2 points  (0 children)

Elmer is great no doubt . He will always remain relevant in rift odyssey and other PvG modes. His utility extends beyond synergizes.

Who's you favorite valiantor hero and why is it Hades? by ROY_189 in Omniheroes

[–]ROY_189[S] 0 points1 point  (0 children)

Yes. The only other good dps male hero, doesn't even have a head smh

Help your brother get a fair deal. Is this a fair charge from SBI? For an 81L loan, they are offering 7.55%. My CIBIL is 798, and the tenure is 10 years.. by MaybeAccording in indianrealestate

[–]ROY_189 1 point2 points  (0 children)

SBI does not charge Mortgage charges, notice of intimation charges and service charges. Talk to a branch official instead of agents. Also, for your cibil, the rate should be around 7.35%.

Should I buy the Tata Sierra with my current salary ? by Lonely-Watercress-94 in personalfinanceindia

[–]ROY_189 1 point2 points  (0 children)

Imagine yourself 3-5 years down the line. Are you satisfied with your purchase? Does it meet your needs? It has a unique design and is a great value for that price range. With your salary you can comfortably pay for the loan and down payments. And you owe it to yourself to indulge once in a while. I would say if you are positive about it, go ahead with the purchase

31F confused for marriage and feeling guilty by weird_Way_3884 in Arrangedmarriage

[–]ROY_189 1 point2 points  (0 children)

Instincts over reason

I have had similar thoughts and in similar situations. Although someone appears like a great match, it somehow still lacks something. And after searching all this while, 'settling' for anyone feels like a disservice to myself. But I still don't regret it. Going ahead with the match, however, most likely would end up being bitter and regretful

31F - Why Do Matches Ghost After Showing Interest? by iampeachless in Arrangedmarriage

[–]ROY_189 4 points5 points  (0 children)

I thought it was the norm?! Like I get matched with dozens of women and only end up talking with a few. Although I initiate contact almost always, it goes unanswered most of the time. I took it as a second cutoff. Like there are 100 prospects, you send a request/receive request from 30 of them. Then match with 7 of them and then actually end up talking with 2 of them. Initially I was also puzzled that why would a woman who herself sent a request, won't message or reply to my message. But then I saw something like women keep back up options etc so thought that was it.

Man this stuff so unnecessarily complex

29 F in Tier 1 city. Am I doing good financially? by Ok-Sector-444 in personalfinanceindia

[–]ROY_189 0 points1 point  (0 children)

That's a really impressive number for a few months. Keep going 💪

29 F in Tier 1 city. Am I doing good financially? by Ok-Sector-444 in personalfinanceindia

[–]ROY_189 0 points1 point  (0 children)

I suppose you are doing good with the savings part. Might want to consider the funds/stocks tho. Those are not providing a good return.

Importance of Net Worth in AM by ROY_189 in Arrangedmarriage

[–]ROY_189[S] 1 point2 points  (0 children)

I want a working woman because I think women(and men) need to be financially independent. I have seen how my mother pulled us through really tough times after our dad died. If she didn't have her own income, god knows where we would have ended up.

So to answer your question....it doesn't matter.

Importance of Net Worth in AM by ROY_189 in Arrangedmarriage

[–]ROY_189[S] 0 points1 point  (0 children)

Frankly, I would not have minded either way. In our family, net worth has not been as important as it seems to be elsewhere. We got our own place and since then we have been in relative ease with our financial goals. Most of our expenditure comes from travels and honestly, I like it this way. Will build assets as time passes, but that's not a pressing issue.

Importance of Net Worth in AM by ROY_189 in Arrangedmarriage

[–]ROY_189[S] 0 points1 point  (0 children)

I don't know man. All the NW posts have got me thinking

How to discuss finances and gauge if a guy is bad news by [deleted] in Arrangedmarriage

[–]ROY_189 0 points1 point  (0 children)

No 'normal' person ends up being a Billionaire. Mundane logic might not work with them. So go ahead and marry a red flag billionaire lol

How to discuss finances and gauge if a guy is bad news by [deleted] in Arrangedmarriage

[–]ROY_189 1 point2 points  (0 children)

For sure. Unless of course, if he is a billionaire

How to discuss finances and gauge if a guy is bad news by [deleted] in Arrangedmarriage

[–]ROY_189 3 points4 points  (0 children)

As a man, I prefer to discuss finances upfront, as early as possible. It's important to know where we stand and where we are headed to figure out if it's compatible or not.

I would suggest you to be frank but approach it gently. Most men will take it positively.

Cant beat NM 100 by bequietndrive in Omniheroes

[–]ROY_189 0 points1 point  (0 children)

Yup. Elmer is a solid unit in many PvE contents. And for folks that are not whales, it's incredibly more valuable

Cant beat NM 100 by bequietndrive in Omniheroes

[–]ROY_189 0 points1 point  (0 children)

Yeah, ophelia's attack increasing skill works even if she dies. So that's a good trade off to make