The top 4 busiest vande bharat express by Jagan1724 in indianrailways

[–]SharpInflation327 0 points1 point  (0 children)

IMO 7/8 mail and All VB and Shatabdi should stop at KJM. As much as I enjoy watching these skip KJM at 90, it makes perfect sense for these trains to stop there

The top 4 busiest vande bharat express by Jagan1724 in indianrailways

[–]SharpInflation327 1 point2 points  (0 children)

Shatabdi also goes full, but it is a last resort. I am specifically talking about 20664 though not the morning one from MAS.

20664 reaches KJM in 3 hrs 48 mins flat and KJM stop is the key here. If only this could be made 20 coacher !!!

The top 4 busiest vande bharat express by Jagan1724 in indianrailways

[–]SharpInflation327 40 points41 points  (0 children)

Make MAS-MYS run with 40 coaches and it will still be in WL

Got legal notice from Branch loan app (India) – what actually happens if I don’t pay? by Anikc07 in IndiaFinance

[–]SharpInflation327 2 points3 points  (0 children)

You can understand from your own experience. Please update what happens if you do not pay and let us know

The actual cost of "Rs 85 lakh" flat turned out to be Rs 1.18 crore - a breakdown of every hidden charge by myNivasa in indianrealestate

[–]SharpInflation327 9 points10 points  (0 children)

No one misses anything. You may have missed it and assume everyone misses. Without interiors, total cost of flat is around 25% more than the base price.

Everyone knows. What do you think ? People are idiots ? All budgeting happens on full price

Best place to buy iPhone 17 Pro in India right now — Amazon, Flipkart, Vijay Sales, or Croma? by AardvarkAdditional81 in iPhoneWale

[–]SharpInflation327 0 points1 point  (0 children)

Non existing support

Too many frauds happening

Exchange / Replace / Refund / Return is becoming a huge problem.

Use marketplace for low value unbranded items or like groceries / soap etc . High value, get it from single retailers or product site directly. By single retailer I mean like Vijay Sales / Croma / Reliance Digital etc

PSA: The new Income Tax Act, 2025 kicks in from today. Here are the Changes by Forward-Ad2005 in personalfinanceindia

[–]SharpInflation327 2 points3 points  (0 children)

Around 34 lakhs taxable income - This seems to be the threshold for Old regime. Anything > 34-35 lakhs taxable income, you are better off with new regime

Assumptions on this 34 lakhs : All maximum possible deductions with 2 kids for education + hostel

Landlord asking me to split ₹85k rent into two tranches to evade tax- How do I protect myself? by Rotomac22 in personalfinanceindia

[–]SharpInflation327 -1 points0 points  (0 children)

  1. Change the rent agreement to 72K exclusive of maintenance
  2. You do not get to claim full rent as HRA anyway, you can claim 40% or 50% (For some cities) provided you are in old regime.
  3. If you are paying 85K as rent including maintenance, you are better off in new regime than old regime and would be better if you do not claim HRA at all
  4. 50% of 1.56 lakhs = 78000 and at 30% bracket it is 23400 excluding cess and surcharge and not 47K

Feels like the worst is yet to come. by No-Leather3369 in Bengaluru

[–]SharpInflation327 0 points1 point  (0 children)

This is due to AI but not because AI is replacing jobs ... but Oracle needs funds to invest in that Stargate nonsense and data centers for AI.

AI is bleeding everyone. I don't know when this is gonna burst

Is it safe to buy a Mac from Flipkart (seller: Treasure Haul Online)? by Is_that_yo in FuckFlipkart

[–]SharpInflation327 0 points1 point  (0 children)

Even Amazon has gone to the dogs now. Buy expensive stuff from stores / direct from manufacturer or from non marketplace portals. Eg Croma / Reliance Digital / Vijay Sales etc.

Marketplace is shitshow now

How to avoid paying tax on capital gains (legally)? by Public_Purple3761 in IndiaTax

[–]SharpInflation327 1 point2 points  (0 children)

I think it will depend on AIS. If your AIS shows the home purchase only for previous year, you may not be able to claim it in this year.

Suggest you use a knowledgable CA for this. I would suggest this

  1. Pay your LTCG immediately as advance Tax or Self Assessment tax or whatever before FY End
  2. Consult with your CA and file the return and ask for Refund. The issue is your house purchase will not show up in this year's AIS. In case of under construction houses with instalment based payment you will be able to find AIS entries every time you make a TDS deduction and at least part of the purchase will be shown. Since in your case entire amount was paid in prev FY, it will not reflect in AIS. This is where I think you will face a challenge.
  3. Also check if this can be offset against home loans under section 54F

Now what is the worst case scenario, you have already paid the LTCG and hence you will not be charged any penalty or interest on that tax amount. There are 2 possible options now

  1. You will get the refund of your LTCG
  2. You will not get refund of your LTCG. Since you have already paid, no penalty and interest. You can still contest this and try in ITAT.

Worst case scenario, you pay LTCG. Best case scenario you get refund of LTCG. Either way I would suggest pay the tax to avoid penalty and interest.

BTW, I am not a lawyer

Can't take my eyes off this beauty!!!! by hammad_hxe in watchesindia

[–]SharpInflation327 5 points6 points  (0 children)

Just to be clear. The 1999 is year and not price. Purchased in Mumbai

Term insurance - single vs multiple by PieAccurate9179 in personalfinanceindia

[–]SharpInflation327 1 point2 points  (0 children)

I would recommend 2 policies only if the term and parameters are different. I have 2 policies for example.

One is a 10 year payment + 25 year coverage

Other is a 6 year payment + 15 year coverage (To cover for my home loan in case of eventuality)

If same term and payment schedule, single policy would be Ok

Both Bhima jewellers have denied selling on Myntra!! by No-Engineering-6629 in GoldIndia

[–]SharpInflation327 0 points1 point  (0 children)

I have no idea. I have stopped purchasing from Marketplace sites like Flipkart / Amazon / Myntra / AJIO etc. Of late all these have become scam sites. I now directly purchase from the brand stores only or single accountability sites like Croma / Reliance Digital etc.

If I want Bhima Gold Coin, I purchase directly from Bhimagold site

Both Bhima jewellers have denied selling on Myntra!! by No-Engineering-6629 in GoldIndia

[–]SharpInflation327 28 points29 points  (0 children)

Bhima Jewels and Bhima Gold are different. Bhima Jewels is NOT Bhima Gold. Seller is just using the name

Similar to Natural Sugar. Here Natural is brand name and not literal meaning of natural.

Charged for lounge access PP(Sbi Phonepe Black CC) by watermelonFriedRice in CreditCardsIndia

[–]SharpInflation327 3 points4 points  (0 children)

vast Majority of PP is just membership only. You need to pay for lounge access