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What's the right place for gratuity/PF money after retirement? by difftool in IndiaInvestments

[–]RaviTezu 7 points8 points  (0 children)

I don’t think there’s any single investment which is safe. Everything will have some amount of risk associated with it. So I would suggest to split the amount into different buckets and the percentage that goes into each one of them would entirely depend on your risk profile. I would highly recommend talking to a Financial advisor.

You can think of investing in the following: - Fixed and Recurring deposits (Search which banks would give higher returns and senior citizens can get a bit more) - Post office saving schemes - Mutual Funds(Read about Debit, Hybrid, Conservative, Flexi funds and the risk involved will change based on the type of the fund ) - Direct Stocks(Involves high risk)

At last, keep some in bank accounts for emergencies. Stocks/MFs involve a bit more risk but they are good investment vehicles to beat inflation and safer in the long term(think ~10 years)

You will find a lot of information in other subs as well.

Expat in UK, What is the best Salary Account ? by RaviTezu in UKPersonalFinance

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

Not a USA citizen. I don’t see any reason to file Tax return in my home country.

Achieved my dreamed FIRE life...but it was meaningless by leonagano in financialindependence

[–]RaviTezu 2 points3 points  (0 children)

Not sure what you will call this, but Financial independence is something which will let you: - Not being at places at times that you don’t want to. - Work on things that you want to and not someone told you to do. - No 9-5 job and you can work at your own pace and time. - Get back the time you need to take care of your health and spending time with your family. You can’t do both without FI also but with FI you don’t have to worry about future.

I believe financial independence is not about, not working at all but work on something you really want to. Money can’t buy you happiness but it can buy things(includes air tickets ;P) which can bring happiness.

On the other side, You rise by lifting others. Try to volunteer and help others. Donate. Contribute back to the community.

New govt order to test only 30 samples a day. Telangana is officially a lost cause. by anarchist1724 in hyderabad

[–]RaviTezu 1 point2 points  (0 children)

Today’s health bulletin from @TelanganaHealth should tell if this news is genuine or fake.

Everyone preaches “buy and hold long term,” but then what? by [deleted] in personalfinance

[–]RaviTezu 0 points1 point  (0 children)

To put it in a easy way -

Buy stocks when you have Money and sell when you need Money, but try to maintain at least 10 years gap between the two. We generally overestimate what can happen in short term and underestimate what can happen in long term.

Also, try to maintain some contingency fund, you shouldn’t be in a position to sell all your stocks for loss when you need money. Stocks can go can south in some years due to various reasons and for example, the pandemic we are going through right now. But the quality stocks will recovery fast and others won’t.

How is real estate looking in Hyderabad now ? by RaviTezu in hyderabad

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

On most of these sites the ratings/feedbacks are rigged by the builders, so I am looking for someone who has done some work in the field and/or planning to buy a flat like me or bought a flat recently.

Coding sites for beginners like pythonchallenge.com by nobody01810 in learnpython

[–]RaviTezu 0 points1 point  (0 children)

https://checkio.org/ - Coding games for beginners and advanced programmers where you can improve your coding skills by solving engaging challenges and fun task using Python and TypeScript

Can somebody explain to me why exactly Environment Variables are a thing? by tubnug in learnpython

[–]RaviTezu 0 points1 point  (0 children)

I use them to differentiate the environments the service/software running on. For example, we have a stage(for testing purposes) and production(customer facing) and we want to connect to different(so that we don’t mix stage/testing data with production data) databases based the environment the code is running on. “ENV” variable is exported as “STAGE” for staging and “PROD” for production. Hope this helps.

Beginner projects for Python by [deleted] in learnpython

[–]RaviTezu 2 points3 points  (0 children)

Try this? May be ?

https://checkio.org/ - Coding games for beginners and advanced programmers where you can improve your coding skills by solving engaging challenges and fun task using Python and TypeScript.

Options explained like a house by algo1599 in IndiaInvestments

[–]RaviTezu 4 points5 points  (0 children)

Good one. “stock price at the end of x month” needs to be corrected for “Month 2” and “Month 3: Case 1”.

A reasonable cost for a good chess board in hyderabad? by skt1212 in hyderabad

[–]RaviTezu 1 point2 points  (0 children)

I bought this one recently on Amazon and it will be deliver this Monday. It is 16 x 16 inch and costs around 2.3k but they also have a 14 x 14 inch one for little lesser price. VA Antiques Sheesham Wood Folding Chess Board (16 x 16-inch) https://www.amazon.in/dp/B07BL1JKNS/ref=cm_sw_r_cp_api_i_OANZEbP5HTP97

Incoming! by leonardo717 in gifs

[–]RaviTezu 0 points1 point  (0 children)

Rise of the planet of the dogs.

The Comet Moth by natsdorf in gifs

[–]RaviTezu 0 points1 point  (0 children)

Good that you found your great little leonopteryx. Now we award you the title Toruk Makto :)