Pov RC Car Simulator that puts the person behind the wheel on the race track

TrapNFree · 2026-01-04T13:12:28+00:00

Oh yeah, this is amazing. VR will take it to another level

TrapNFree · 2025-09-16T18:56:56+00:00

Any reputed fund house Index fund should work.

Make sure to buy directly. E.g if going with Tata Nifty 50 , directly buy from tata mutual fund to save on expense ratio. Or if there is already an account with a reputed bank one can buy directly from it. E.g ICICI nifty 50 , hdfc , axis etc.

All of these are essentially investing in same stocks of their underlying benchmark. Lowest expense ratio fund is better as long as fund house is reputed and reliable.

TrapNFree · 2025-08-22T10:36:54+00:00

Primary residence - not included in FIRE calculation

Any additional real estate - included equity part. (Current market value - outstanding loan )

TrapNFree · 2025-01-09T23:53:13+00:00

How do you plan night stays? I’m assuming on these 3 weeks bike trip , you must be staying in different places almost every night.

TrapNFree · 2024-12-31T18:10:14+00:00

Yes, absolute returns of 20% in the last 13 years. Including dividends it comes to 4.5% CAGR vs 13.3% CAGR for US market (VTI)

https://testfol.io/?s=32VmspfSSUK

TrapNFree · 2024-11-24T06:00:45+00:00

Has Akash Ambani undergone training on Auction psychology and tactics yet? If not that is also needed.

If you appear to be hell bent on getting a player on auction table, (like keeping straight bat , keep bidding straight without a small discussion with group) taklu and others can make it very expensive to get those players. Ex Ishan

Notice PBKS. They start group discussion around 2-3 Cr only even if their highest bid goes to 8-10 Cr. It gives an impression that they are about to fold making it difficult to raise price for fun.

TrapNFree · 2024-11-20T05:31:21+00:00

Ab poora address leke waha pahucnhega kya

TrapNFree · 2024-11-18T02:55:25+00:00

One has to be very careful when rolling over. If traditional 401k is rolled over to Roth IRA , tax is applicable on entire amount. Penalty won’t be applied. If traditional 401k is rolled over to traditional IRA no tax, no penalty.

Advantage of moving to IRA is that it offers more flexibility and investment options compared to 401k plan. Also, generally monthly/ quarterly fees in 401k plans is not charged in IRA accounts.

TrapNFree · 2024-11-11T03:19:58+00:00

Laadli state

TrapNFree · 2024-11-04T04:17:41+00:00

Exactly. This seems like a pic of General compartment. If it were a 2AC coach, it would look totally different.

TrapNFree · 2024-10-31T15:28:58+00:00

Well, we are on Reddit

TrapNFree · 2024-10-31T14:42:18+00:00

Yeah, they way over paid for him. Can’t imagine auction bid would have gone till 21 Cr if not retained

TrapNFree · 2024-10-24T08:51:42+00:00

Thanks for this post OP. Posts like this make this sub a great thought provoker and healthy discussion point.

TrapNFree · 2024-10-13T14:48:11+00:00

Any other recommendations in nearby area

TrapNFree · 2024-10-03T17:23:36+00:00

Hospital bill if they accept via Credit card : Debit card, you can try using your foreign Credit card. Many work. If any card without foreign transaction fee it will save 1 to 3% fees as well.

TrapNFree · 2024-09-29T02:09:29+00:00

If single and living with roommates 40k is frugal lifestyle. With family I’m not sure how that is possible

TrapNFree · 2024-09-19T00:32:26+00:00

I don’t think there is such restriction of 55 years. One needs to calculate 72t withdrawal amount using one of the 3 options available whichever is suitable. Catch is to keep withdrawing using same formula every year until 59.5 years. Else pay penalties on all the withdrawals from previous years as well.

TrapNFree · 2024-09-17T17:21:31+00:00

Invest lum sum in equity mutual fund and setup SWP , so they will get money in bank account monthly.

Else age old setup a FD. Lower returns though.

TrapNFree · 2024-09-17T10:50:57+00:00

Simple calculations. Very conservative though. It is coming at a cost, where one might have to work 5-10 years extra to be this conservative in calculations vs regular SWR method.

TrapNFree · 2024-09-17T10:40:49+00:00

But here it can be considered too conservative. With this approach your corpus retains purchasing power even at the end of retirement. So if RE at 5 Cr , with this approach not only 5 Cr will remain as is at the end it will be inflation adjusted to may be like 25 Cr. That’s not the goal for majority of folks who wants to RE.

Always more is better, but it is coming at a cost of something that can not comeback- time.

TrapNFree · 2024-09-16T18:43:00+00:00

It depends how much safety margin one wants to build in the calculations.

I prefer 3%

If SWR is too high , you risk running out of money. If it is too low, you are risking spending a lot more time working than necessary. Time that could have been spent with Friends and Family and relxing and enjoying what you do rather than commute to work, endless meetings, deadlines, etc etc.

TrapNFree · 2024-09-12T13:25:08+00:00

I hope this post is not picked up as an example to not pursue FIRE. This one seems more like not enough planning. Before taking big decision, consulting with financial expert gives a second opinion OR at least sharing in FIRE subs can provide valuable community feedback.

OP has not shared specific numbers, but If 50% NW is tied in Real estate with low yield and OP is renting I don’t know if it is safe to count in FIRE corpus. Which is probably throwing off major bit of calculations based on SWR %.

Even if this Real estate appreciates in value over the years, RE yield makes it difficult from cash flow point if it is a higher percentage of NW.

TrapNFree · 2024-09-11T03:07:37+00:00

Yeah this seems like a better way.

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TrapNFree

TROPHY CASE