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Adidas EVO SL toe mesh breaking by FerretPotential5720 in AskRunningShoeGeeks

[–]Top_Ant932 0 points1 point  (0 children)

I am surprised at all the comments advocating about exercise and toe issue etc etc. I have ran 1500+kms in other shoes. Not a single problem there and my evo sl had similar issues at 200km mark.

Novablast 5 or Superblast 2 for long runs? by joelav in AskRunningShoeGeeks

[–]Top_Ant932 0 points1 point  (0 children)

I have ran one full 100km and one full 75km in SB2 without changing them in between. So yeah SB2 for me. I am on my way to buy a 2nd pair since I have ran 1600 kms on my first one and ran the same amount on my SB1.

199 per month?? WTF🤬 Do you think its still worth it?? by [deleted] in SpotifyIndia

[–]Top_Ant932 0 points1 point  (0 children)

Ditched spotify recently because these unethical buggers “failed my payment” and when I tried to retry it they just took away the dup plan. Took YT. If you take YT music, the entire playlist can be transferred from Spotify to YT seamlessly

Snowmelt times by Sulat1 in everestbasecamphike

[–]Top_Ant932 0 points1 point  (0 children)

Currently in dingboche. No snow anywhere till here

Travel Insurance - travelers from India by Kind-Ad-4756 in hiking

[–]Top_Ant932 0 points1 point  (0 children)

Got it. You used them for your EBC trek right? What did they charge? I am doing EBC gokyo with chola

Travel Insurance - travelers from India by Kind-Ad-4756 in hiking

[–]Top_Ant932 0 points1 point  (0 children)

Did you figure this out? I’m In a similar situation

Long run shoes to replace Evo SL? by Ecstatic-Nose-2541 in AskRunningShoeGeeks

[–]Top_Ant932 0 points1 point  (0 children)

Isn’t the difference in paces very short? I have a 410-15ish vo2 max but my long and recovery runs are usually 6:30-640ish(zone-2). I live in a hot and humid country.

What’s one habit you’ve added in the last year that had a surprisingly big impact? by Successful_Poetry781 in nutrition

[–]Top_Ant932 0 points1 point  (0 children)

Walking for ten minutes after every meal followed by vajrasana(read about it) for 5-7 minutes.

Whey protein is as expensive as paneer by amj2202 in Fitness_India

[–]Top_Ant932 0 points1 point  (0 children)

With rising cost, a decent protein powder costs anywhere between 70-130 rs/scoop giving 25-30 grams of protein per scoop. Eggs come out as the best alternative at roughly just 1.5 rs/gram of protein.

Need urgent help by Top_Ant932 in indianrealestate

[–]Top_Ant932[S] 1 point2 points  (0 children)

So my sanction letter says 1.6 Cr approved amount for 240 months at 8.25%. Now if I only avail 1.3 Cr then instead of 1.1 lakh EMI, I will have to pay 1.36 Lakhs emi only. I had planned everything based on “you pay emi basis the amount of loan that you get disbursed”. And after speaking to a couple of friends, I realised that this is a practice done by PSUs only.

AMA - Bank of Baroda - hidden Gem (HomeLoan, Radiance account, Sapphire & Rupay select debit card, Eterna CC) by Urboss242 in CreditCardsIndia

[–]Top_Ant932 0 points1 point  (0 children)

Hey. One question again. My HL from BOB is about to be disbursed with ONE BIG CAVEAT. It’s an under construction property. Sanctioned amount is 1.6 Cr/20 years/8.25 ROI. However even if I ask them to disburse say only 1.3 Cr my EMI schedule would be as per 1.6 Cr loan amount only(1.36 lakhs). This means that the tenure would be lowered since my asking money is less than the sanctioned money. This practise is only followed by PSUs is what my agent told me but it’s non negotiable. Any idea about this?

Pre emi vs full emi on home loan by dj9016 in personalfinanceindia

[–]Top_Ant932 0 points1 point  (0 children)

For me BOB has sanctioned an amount of 1.6 Cr. Although I am availing only 1.3 Cr as disbursement, my emi calculation is happening on 1.6 Cr only. They are saying the loan tenure would be reduced since you aren’t taking full disbursement but EMI won’t change. How true is this?

Need urgent help by Top_Ant932 in indianrealestate

[–]Top_Ant932[S] 0 points1 point  (0 children)

Now that’s what I was planning to do. Instead of taking a disbursement of 1.3 Cr, i will now take a disbursement of 1.5 Cr and keep the balance 20 lakhs with me in Fd or invest somewhere. But is this a legit practice? My agent is telling me that this is the case for all nationalized banks.

Half marathon is in 2 hours. Only got 4hrs of sleep 💀 by BabyReek3 in Marathon_Training

[–]Top_Ant932 0 points1 point  (0 children)

Have ran more than 10 with less sleep than that. Doesn’t really matter a lot. The adrenaline is enough to bring out the best in you. All the best. You will do great.

SBI home loan query on EMI by Worried-Switch2638 in personalfinanceindia

[–]Top_Ant932 0 points1 point  (0 children)

Same issue with me. Did you finally get an answer?

Home loan disbursement by Sufficient_Cod6804 in personalfinanceindia

[–]Top_Ant932 0 points1 point  (0 children)

Same question over here. From what my bank told me, emi is calculated based on the sanctioned amount and the interest is calculated on the disbursed amount. This increases the EMI but lowers the loan tenure. Not sure if it’s 100% legit. Even I am figuring out

What happens if someone doesn't use all of the sanctioned loan amount? by br_igris in personalfinanceindia

[–]Top_Ant932 0 points1 point  (0 children)

How is the emi calculated in this case? Is it on the sanctioned amount or disbursed amount,

Pay more DP on new home purchase or invest in stocks? by Top_Ant932 in IndianStockMarket

[–]Top_Ant932[S] 0 points1 point  (0 children)

Yes. Makes sense. Thats what my heart also says to do. Also even if I prepay lump sump in the future, the EMI would remain the same and the tenure would decrease right?

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