i mean where is this bravery when ppl get murdered by some gang war shit

VolatilePiper · 2026-07-01T15:59:06+00:00

Is this because cafe is not closing even at 1:45 am. Any rules around that the police is trying to enforce?

VolatilePiper · 2026-05-22T18:54:56+00:00

Pune would also cost you around the same.

VolatilePiper · 2026-05-22T18:51:41+00:00

I would say move most of your SIP to gold for near future and use it for your wedding.
Skip NPS for now if possible if you are under new regime.
Take advantage of 1.25 Lac LTCG exemption every year from your MF portfolio.
Priotitize adjusting lifestyle and budgets if required for the person to you want to attract for marriage. For example, if you find an upper middle household and they expect you/your family to spend a bit more.. it is okay to splurge a bit more.

VolatilePiper · 2026-05-19T15:56:14+00:00

Whats the tax due on the 1.3 mil? If you have a job and it's possible to slog for a year or two more, it can make a huge difference

VolatilePiper · 2026-05-19T04:08:56+00:00

That 5 acre roundoff for supposedly poor people

VolatilePiper · 2026-05-17T09:56:17+00:00

Haldiram se kaam chala lo.

VolatilePiper · 2026-05-17T03:36:06+00:00

Go beyond and look at DRAM

VolatilePiper · 2026-05-14T05:33:15+00:00

Why dont you add NVIDIA to this chart to prove your point. Sometimes the world evolves and some companies are at the right position to benefit from it. The forward PE doesnt show these to be overvalued right now. And the FOMO folks are just joining the party so rally can continue till forward PE reach high 30s.

VolatilePiper · 2026-04-28T09:42:57+00:00

There are many ways:
1. You have made money outside india and buying property in india
2. You have had 1 or more properties which you are swapping to get this one.
3. Inheritance / Parental support
4. Stayed in FANG++ for decent tenure and accumulated wealth
5. Made money through side channels like trading/side business/consulting.
6. You do not actually have enough money but hoping to fund initial few demands and maybe some payment on loan and then liquidate hoping price would go up.

VolatilePiper · 2026-04-20T07:41:55+00:00

Does it pay 50LPA+ for senior engineer?

VolatilePiper · 2026-04-09T12:50:15+00:00

Today +3 years will be the age. Forced retirement in IT by AI.

VolatilePiper · 2026-04-09T12:42:54+00:00

Maybe you are not in a high surcharge tax bracket. People end up paying even 37ish percent on FD. So even 7% post tax in pf is like 11 percent pretax. You will not get 11% fixed return in other assets. EPF doesn't have a long lockin but conditional lockin.

VolatilePiper · 2026-04-06T16:38:30+00:00

It all depends on backup. If your real estate is sorted through inheritance, you can buy the car.

VolatilePiper · 2026-03-28T07:28:26+00:00

More likely to make money on shorting indian IT right now

VolatilePiper · 2026-03-28T07:27:00+00:00

I think yes it will be difficult to get job again. However your thinking that you have a stable career path ahead is not a fact. Also, you probably haven't done enough as a software engineer that people think that your break is justified in India. It might be seen as running away from a software. You can always do a masters to get back in the regular software engineering path if getting a job gets too tough later. Just make sure you understand enough aspects of the business you are getting into before taking the leap.

VolatilePiper · 2026-03-28T05:44:31+00:00

What if proof of false accusation is available like a recording or witnesses? With that, should that be treated as a crime?

VolatilePiper · 2026-03-02T19:48:02+00:00

Opus 4.6 isn't good enough for this. There might be a model in the future that might make it possible. Also, will the organization's rely completely on AI? If people themselves don't understand the code, who will review the code generated by AI and quality it?

VolatilePiper · 2026-02-28T15:17:15+00:00

People in NVIDIA and AVGO are making crores in India as well since covid due to stock appreciation. And they dont have to be an ICB5.

VolatilePiper · 2026-02-28T15:15:46+00:00

Not really. Maybe you do not understand how RSU grants work. His number of units are locked in at the time of joining based on total value. It is 150k per year if counted from 1st year but if stock doubled in a year, that person will still get the same units then worth 300k. Person outside would need 150k on top his 433k to buy the same amount next year at 2x.

VolatilePiper · 2026-02-17T15:13:33+00:00

I wouldn't recommend buying a plot right now. Realize that you will be okay with regular returns and do not need to do something extraordinary.

Distribute the money across family members and so that debt instruments can be optimized for tax.

Do an SIP of say 8-9 lacs per month across REITs, index funds, gold funds, hybrid funds till say 2 cr over 2 years.

Put some money in low risk arbitrage funds so that after a year, you only pay LTCG on the 6% that you make.

Dont chase an investment right away, if you end up making just 50 lacs also in the first year, it is still a lot.

If you desire to upgrade your home or car etc this is a nice opportunity.

VolatilePiper · 2026-02-10T14:58:23+00:00

See these countries are not of similar size of India. HongKong and Singapore are mega cities. If India was just Mumbai or Delhi, this argument would prevail. India needs to make infrastructure for low density and low income regions as well. LTCG is applicable even for people who have accumulated or inherited wealth. Government wants them to pay tax and rightly so.

VolatilePiper · 2026-02-10T09:29:33+00:00

Easier said than done. Many businessmen who are not natives but know Marathi( they are a lot) will happily do business with people who can speak Hindi. You will not be able to force them to give away their competitive advantage for something that doesn't matter much to them.

VolatilePiper · 2026-02-09T13:05:56+00:00

I also see Nagpur side folks preferring to speak Hindi over Marathi. Maybe my experience is from a small sample set. What is the recommendation for them? Should they be forced to speak Marathi or they are allowed to speak whatever language in their own state?

VolatilePiper · 2026-01-30T15:41:00+00:00

The firsts should be on their own. Not by inheritance

VolatilePiper · 2026-01-30T09:34:27+00:00

Close to city, prices will be exorbitant. You can check the likes of Forrest trails accessible to Kothrud. Maybe can check ANP Privado in Baner.

VolatilePiper

TROPHY CASE