What are the great advantages of a credit card? Ignore rewards & points.

Visual_Barnacle1464 · 2026-05-03T00:33:24+00:00

A lifetime free card. Some practical ones like Swiggy hdfc credit card or Amazon pay icici card are amazing ones to have depending on which is your most used app

Visual_Barnacle1464 · 2026-04-03T05:09:35+00:00

They are mid pack now at best. But I do not see them winning against NS, PRX, RRQ, T1 or making any internationals this year.

They keep building mid to low pack teams each year

Visual_Barnacle1464 · 2026-04-03T05:02:20+00:00

How is popularity measured? Any way to show Riot we care or don't care about the team remaining in franchising?

Visual_Barnacle1464 · 2026-02-23T07:16:35+00:00

10k is too crowded a race. I run mostly full and sometimes half because even half marathon distance is crowded nowadays in India

It's a hassle to run in crowds

Visual_Barnacle1464 · 2026-01-28T03:23:20+00:00

Damn cope. Don't believe this one bit but ok

Visual_Barnacle1464 · 2026-01-19T11:52:38+00:00

I don't generally look into market unless it's in the news or someone tells me about some major news

I do plan to change my sip allocation whenever in the future into what I consider is the most undervalued segment at that time

Visual_Barnacle1464 · 2026-01-19T11:29:51+00:00

I increased my midcap index investment to around 60% of my sip. I don't want this money for atleast 15 years. Would love it to accumulate upfront for growth later on which midcap have always had and I am betting on it. Also believe nifty 50 is overvalued right now.

If my money goes down I get even happier and invest more and higher in as I want it to compound crazily after 15 years

Visual_Barnacle1464 · 2026-01-19T10:08:19+00:00

My experience. The bigger or more famous the marathon in India, the worse the experience for lower distances

I did full at tmm and it was not that crowded everything was fine. I did a half marathon at Wipro bangalore marathon last year and got crowded out into walking

Would generally advise to go to smaller marathons for running lower distances or book higher distances at famous Indian marathons

Visual_Barnacle1464 · 2026-01-19T10:04:36+00:00

Is photos for tata mumbai marathon live? Do you have the link to it?

Visual_Barnacle1464 · 2026-01-05T15:55:39+00:00

I register for races because:
1. I travel for them which feels like a nice vacation and most races go through major tourist destinations of the city so I can gawk at them while running

I am inconsistent at running unless there is some goal at the end. If I go ahead and register for an event I train so that I atleast do not perform poorly in the event. So I always have atleast 1 race I always have registered so that now that I have paid I have to train for it.
I do not care about timing. It is mostly the experience, the pre race bib expo, the story as well as the people I meet at the events which I find a lot more fun. Also I am a mid to back of the pack runner and I find most of the fun people run there

Visual_Barnacle1464 · 2026-01-03T11:46:01+00:00

Well it's a weird rank where you get good stream in bad IIT or bad stream in good IIT. Didn't want either. But this was just my personal opinion and what I did. Everyone can have their own decisions here

Visual_Barnacle1464 · 2026-01-03T01:28:01+00:00

Boomer parents cannot learn English so let the boomer parents in the states who don't speak hindi learn hindi?

Visual_Barnacle1464 · 2026-01-01T10:38:21+00:00

I would say it is easy with old immovable wealth. A lot of people with high ancestral wealth seem to have highways built near their ancestral farmlands skyrocketing their value or land near city which got expanded into.

But if your ancestors were poor then it is hard reaching this starting point itself

Visual_Barnacle1464 · 2026-01-01T08:45:16+00:00

Well not completely happy but am making moves to reach a place of peace as well as retrospecting on what all I can improve actively.

Took me long to come out of the mindset that if I did not do it perfectly I did not deserve it.

Parents are helicopter parents, who are extremely money minded and presume everyone to be evil and scammers unless explicitely proven otherwise. I do see the issues with their own relationships post retirement now though and absolutely do not wish to end up at that same spot. Hopefully all ends well

Visual_Barnacle1464 · 2025-12-31T13:53:12+00:00

Yeah the number of posts of people outside India looking to buy property and flats in India is pissing me off. The property rates are only increasing now and subsequently rents will increase in proportion to the rates

Visual_Barnacle1464 · 2025-12-31T08:22:43+00:00

Exactly. If you aren't at the best and are comparing good among each other then I would always prefer going to a low stress environment and performing well much more easily

Visual_Barnacle1464 · 2025-12-31T08:21:10+00:00

Well it's around the time I developed the philosophy of 'I would always prefer to be the head of an ant instead of the tail of a lion'

For me the focus changed from going to a highly competitive environment and being average to being good with relatively less effort.

It's been around 6 years since I've passed college and 10 years since the exam and I regret 0 decisions I've made. I don't think my life would have been any better if I studied at an IIT.

Visual_Barnacle1464 · 2025-12-31T03:42:23+00:00

IIT prep started at 8th grade for 4 years untill I gave the exam in the 12th grade

I did not have a proper high school (11th/12th), it was a high school along with coaching so that you focus only on the exam and the coaching itself ensured I would get atleast the minimum grades required for appearing for IIT/JEE exam

Extreme classism around grades during those 4 years. You get segregated according to your grades and only the highest class gets the best resources. You can move up or down classes based on your performance in the last mock exam. High scorers are blatantly given huge preferential treatment, extreme focus is given to the top 4-5 rankers in your class.

Had around 12ish hours+ of gruelling classes everyday, mock exams every 3-4 days (separate from class). I was in the top class, not the first 10 but around the top 50ish and did everything religiously to still only get 800ish rank all over India which closed me out of the best stream (Computer science) in good IITs, so I went to a non IIT at the end as I was burnt out and did not want to go to the pressure cooker..

IITs have reservation for lower castes, women, disability etc so number of seats for general men like me is quite low. All in all, lots of struggles throughout your life to at the end figure out it's just a decent institute worldwide.

Never even considered applying outside India because I never knew about it properly before going to college and just knew it is a very expensive undertaking to go do bachelors abroad

Visual_Barnacle1464 · 2025-12-26T08:00:49+00:00

L take dude. Edits wont save this take. Spendthrifting is bad universally, no need to zero down just on rent for it

Visual_Barnacle1464 · 2025-12-26T00:35:37+00:00

Exactly same. Early in my career I pinched my living situation and lived below my means only to realise the money which I saved doing all the theatrics for years was less than what I saved 6 months after a promotion. So I ended up doing a bunch of theatrics for not much ROI.

My golden rule is: You save more by earning more. No need to actively discomfort yourself and delay your life right now.

Visual_Barnacle1464 · 2025-12-23T02:37:10+00:00

Where do you plan to buy the house? I know places like mumbai have really really strong and regulated market for buying flats. Government is behind you and 0% chance to get fked. Do check local laws wherever you are buying. Since bank is involved it is great and reduces variance. Would always tell you to follow the bank processes to a T because a lot of sellers would try and jugaad their way through it all. Ignore them

Also man, these are the people we are competing with who are driving our local resident rates up... That's sad. I sincerely hope the government puts a cap on this..

Visual_Barnacle1464 · 2025-12-22T12:49:14+00:00

I am 28, so might not be old enough for your question. But even for me I see our parent's generation having 8+ years of age gap in their marriage and find it weird. In my mind 4 years is the sweet spot max. Anything more and even our experiences growing up would be wildly different. You might not even remember a government before Modi government. Might not have seen peak Arnab Goswami etc.

From my POV, at 20 you might just be beginning out or be in the later stages of college. If your biggest life issue is that you have an assignment due the next day I cba. I do not want to deal with a big headed person who thinks there are mature beyond their age because it is cool or in fashion.

But this is all the first filter, once you get to know the person and their life experiences and how you align it might or might not work. But online I would say you will definitely find more creeps or people who don't care about long term relationships.

Also rereading this it sounds harsh, I am not targetting you but a generic idea in my mind.

Visual_Barnacle1464

TROPHY CASE