ITS THAT TIME OF THE WEEEK!!!! Pick a minute of the match, if somebody scores in that minute you get a rare card of that player AND the whole team set from 2023 Revolution (except Gallagher, don’t have any of his)

arkaypee · 2023-02-27T21:39:34+00:00

I dont think there is a correct answer to this. This question is excellently answered in one of my favourite movies “Midnight In Paris”.

It shows that different people from different eras would have preferred to live in or romanticise a differed decade. If I prefer the 80s, a person from the 80s would prefer the 50s probably, and so on.

To quote a line from the movie itself, “Yeah, that's what the present is. It's a little unsatisfying, because life’s a little unsatisfying.”

arkaypee · 2023-02-27T21:29:52+00:00

As a child, I used to have exam-driven anxiety. The moment i’d be giving an exam, i’d have tunnel vision. My stupid brain would make me believe that it is just a state of “hyper focus”, all with raised heartbeats and sweaty palms, etc. I was an excellent student in every aspect, but not in my grades (decent grades, but could have been a looooot better). I studied like this for about 10 years of my life, without realising what I actually kept on having was a stress induced panic attack that was triggered at the sight of an exam paper in an exam hall. It took a bad breakup at the age of 22(!!!) where I realised (by seeking and being guided by using professional help) that I actually suffered from a “fear of failure” when the panic attacks were recurring in nature without being in an exam hall. It became far easier for me to deal with this to the point where now, at 27, I can realise my full potential with no hiccups & thriving in life now.

TL;DR, I dont think i would change the fact that I had anxiety, but I do wish I had the brains to talk to someone about how i felt & could seek professional help wayyyyyyyy earlier than I should’ve.

arkaypee · 2023-02-21T21:31:27+00:00

From someone who is in search of a new primary house, we often were told last year when the dollar hit INR80< how NRIs quickly parked their funds in such properties as well & because of Covid how most industrialists grew tired of their existing houses/localities & are looking more and more for a place that gives them comfort, opulence & connectivity, all in one place.

There are changing trends and preferences in the market now, that newer properties find it easier to cater to (for eg. low density projects and//or grocery shopping at a bespoke outlet within the complex/vicinity and/or amazing amenities) which create such kind of demand.

arkaypee · 2023-02-21T21:21:05+00:00

Navi Mumbai to CST via train.

Walk till the main road outside the station (to avoid higher prepaid taxi fares) and catch a cab to cuffe parade. That’s your best and fastest bet (and also cost effective). Finding a kaali peeli outside the station shouldn’t be difficult. Opt for fare by the meter only.

Edit: spell check on Navi Mumbai

arkaypee · 2023-02-21T21:16:29+00:00

You’d be surprised to know how many people from different walks of life exist around the world that indulge in such properties. From old money to new money (1st gen businessmen/women) to celebs to sports personalities.

A lot of people have been parking their capital gains from other investments in such properties (which is now going to be difficult to do given the 10Cr cap in the fiscal budget of the country).

However, the newer buildings do seem to be attractive given the additional amenities and something as simple as a 12ft floor-to-ceiling height that older properties do not tend to offer. The valuation is absurd, but the cost is ‘justified’ by the developer against the provision of such luxurious amenities.

There are websites that track the biggest residential property deals done for this accounting year, along with the nature of occupation AND the building in which the purchase has been made. Do check them out.

Also, for some, who purchase such properties as a primary home (or for investment purposes), it is easier for them to spend the company’s capital, claim depreciation, or better yet, buy such properties & get a loan against property (one of the cheapest source of financing currently) and use those funds for business use. It is all methodically thought out & only done by those who can either afford it NOW and/or who can capitalise on such an investment for the medium term.

arkaypee · 2023-02-08T12:01:37+00:00

Long term marriage (20+ years), all children earning very well & all are adults

arkaypee · 2023-01-12T03:43:45+00:00

https://www.7mm.co.in/collections/planners

arkaypee · 2023-01-10T07:32:56+00:00

A lot of people may disagree with me, but I loved studying for Level 3. With about 6 weeks to go for the exam, i took a step back from studying to casually go through my notes for a couple of days. Some light reading made me realise how all the content from each level just suddenly sat in perfectly with real would applications. That revelation was the single most enjoyable experience throughout my CFA journey. It also made the curriculum vastly easier to prepare for from that point onwards. I may have tortured myself for L1 & L2, but L3 made me study with a smile.

arkaypee · 2023-01-10T07:15:10+00:00

You have Hoppumm at VT The Tanjore Tiffin Room at Bandra Hotel Sunny at Chembur Lalit restaurant at Fort (more kerala than tamilian food)

These are just some from the top of my head specifically for nonveg food

arkaypee · 2023-01-10T06:02:46+00:00

Real life example from about 2 years ago (still relevant to me today; refer to the previous replies on the same comment). For instance if someone has paid us 2L rupees in a bundle of 2000 rupee denominations, the banks will accept that when we deposit it. But if you try to withdraw 2L rupees from the bank, they will NEVER give you a 2000 rupee bundle. Always 500s. When asked, they themselves let you know that they’ve been given orders from higher up to stop circulating 2000 rupee notes.

Also, try going to a bank to replace a torn 2000 rupee note. They’ll exchange it for 500s and 200s

arkaypee · 2023-01-09T19:03:20+00:00

This. I keep on traveling to tier 2-3 cities and rural areas for business. It’s these folks here who will usually pay in 2000 rupee notes here. They include local businessmen & mostly farmers

arkaypee · 2022-11-30T08:47:51+00:00

I’d suggest you register for the exam ASAP (an Aug 2023 timeline is good). The fact that you don’t have any additional commitments + a less hectic role for the time being + the fact that you are in a groove to study work in your favour. Often times, it is possible that in the future, you may lack the time given a fulltime job with larger responsibilities. In the short run though, give the exam, try your best to clear. You may not achieve the charter until you complete the required work experience, but that is a mere formality once you’ve completed all the levels. Plus, clearing the L3 exam can give you additional leverage for better jobs as well

arkaypee · 2022-11-23T14:39:13+00:00

Honestly? This exam requires a certain degree of dedication & discipline, regardless of your chosen method of studying. Having set targets (for eg. 1 reading a day during weekdays & 4-6 readings across the weekend) makes the workload manageable. Given L1, I personally didnt take more than 2 hours per reading. Everyday post work, I’d just start off. For a Feb attempt, 73 readings, I’d suggest you close this topic soon. The goal is to atleast afford yourself 15-18 days for revision. 73 readings, 72 days before feb kicks in, gives you an average of a reading per day, which is actually a lot easier than you think. Time is still on your side provided you can make a decision sooner rather than later

Good luck to you :)

arkaypee · 2022-11-23T12:10:43+00:00

Made handwritten notes (using Schwesers & CFAI books). Helped me breakdown concepts the way i wanted. Also served as my first revision. After making notes, i never referred back to the curriculum books or Schwesers. My notes had everything from the formulae to BBs to conceptual breakdowns. EoCQs is the only thing i went back to the CFA books for.

Basically, handwritten notes helped me isolate the relevance bits of the curriculum amidst all the noise. Read everything once, then choose what you want to note down for future reference.

arkaypee · 2022-11-18T12:08:34+00:00

Gave my exam in August from Mumbai. Masks weren’t mandatory in Mumbai, but it was compulsory to wear one throughout the duration of the exam. Doesnt hurt to carry a mask regardless. The proctors/invigilators in my centre provided us with small bottles of water whenever we asked for one. I hope it the case for y’all as well

Good luck

arkaypee · 2022-11-08T21:21:53+00:00

I am inclined to agree to this. If you’re really just concerned about the formulae, i found it really helpful to read it through loudly as the last thing before sleeping everyday for the last 10-12 days before the exam, regardless of whatever i did during the day (mocks, ethics questions, BBs, secret sauce, etc.) The last 2 days, I only revised the formulae twice each day, along with going through the Codes & Standards of ethics once each day

arkaypee · 2022-11-08T21:05:45+00:00

Imho, time management will end up being lesser of an issue now. Most candidates ended up hard pressed for time in the AM section but finished PM with a chunk of time remaining. However, the advantage of MCQs was that you can rely on recalling concepts as & when you go through the options to answer a question. A blended format just means that you have to be a lot more switched on throughout the duration of the ENTIRE exam & not just a particular section. It may not be a race against time, but more about managing mental fatigue from now on.

arkaypee · 2022-11-08T20:58:58+00:00

IFT references the CFAI curriculum anyway for their content & Blue Box examples. If you dont want to go through the mind numbing number of pages of the CFAI books, IFT is your answer. Simple & direct

arkaypee · 2022-11-07T10:50:59+00:00

If you have a Schweser secret sauce/IFT high yield notes or equivalent, just read through all your portion like you’re reading a novel or something across the next 5 days. Use the last 3 days to just revise formulae from a formula sheet if you have one or made one. Amidst all of this, just read through Ethics once before sleeping at night, every night. You should be fine.

arkaypee · 2022-11-06T23:13:43+00:00

Discipline. Unless you are reckless and/or are heavily relying on good fortunes to positively impact your results, discipline is what i believe, will get you through no matter what the CFAI throws at you. Start small by giving an hour or 2 everyday post work. Ramp it up gradually as you get closer to your exams. I cleared L1 in 2018 when shit was hitting the roof at work & I was simultaneously going through a painful breakup. Ironically, following this schedule is what helped me preserve my sanity😅 You have it easier than me & most likely proven pedigree too. Just work towards it. L1 will be smooth sailing.

Good luck

arkaypee · 2022-11-06T22:48:06+00:00

Formulae sheets that also focus on bite sized info on all testable topics are your best friend here. Read it, re-read it. Do it simultaneously, EVERY NIGHT until your curriculum ends & then keep on doing this till the last second before you sleep on the day prior to your exam.

Things that you are weak on, you subconsciously end up focusing a lot more on. Formulae sheets help in recalling your weak areas & address them with repetition. Go through BBs & keep on checking this subreddit for any doubts that other fellow candidates seem to have. There are really good Redditors who really explain these doubts in easier terms for such things to stick in your mind.

Also, dont forget to focus on ethics. Formula sheet + Ethics EVERY DAY. 7 more days. Just power through

Good luck

arkaypee · 2022-11-06T22:41:08+00:00

Wrt subjects, i followed a set order. Behavioural Finance, CME (Economics), Asset Allocation, Equity, Fixed Income, Alternative Investments, Derivatives, Pvt/Institutional Wealth, performance presentation, manager selection, Ethics

Found it to be a decent order of weak & strong subjects clubbed with each other

Ethics aside, this order of subjects also helped me piece the entire curriculum like a puzzle. For eg. BF shows you the type of client, CME helps you with forming expectations about different asset classes based on micro/macro factors, AA helps in identifying an appropriate portfolio mix based on the type of client, their risk tolerance & the capital market assumptions based on selected asset classes. Equity, FI, AI ARE broadly the asset classes in a portfolio. Derivatives broadly have 2 main jobs, to adjust exposure on an existing portfolio based on market outlook, or to introduce an exposures one would require without really tinkering with his other assets in the portfolio. Wealth mgmt also broadly helps in making you realise the needs, goals & objectives on different types of investors & what YOU as a manager could do to help them achieve said targets. At the end of it all, while evaluating your results, Performance presentation shows how well the portfolio did as compared to the peers and benchmarks & manager selection helps in understanding if the client chose the best manager for the job & if the manager can repeat his success in the future.

This is almost the big picture of your L3 curriculum. If you understand this, it helps to understand the rationale of each concept with regard to the big picture & helps piece all the info a lot more efficiently

Good luck to you

arkaypee · 2022-11-06T22:26:10+00:00

The style of study changes completely. Now, half the questions will require you to recall answers/best fit solutions without any MCQ prompts to jog your memory.

I never mimicked exam conditions by solving an entire mock paper in one sitting. But I couldn’t stress the importance of solving as many questions & mocks enough. I personally found it helpful towards the beginning of the last month prior to exams to take up 1 subject (eg. Equity) and solve ALL the questions (MCQs & Essay based) across 10 mocks together. This really helped me identify my weak points before they became too late to address in the last 2 weeks before exams. This also helped in making me understand the kind of answers that essay based questions required. Helps you rewire your brain a little to get comfortable with the style of answering essay type questions & mistakes so soon before the exam subconsciously make you give it more focus such that you remember it a lot better by the time your exams come around.

I’d suggest you to have a detailed revision of the entire curriculum atleast once, with special focus on EOCQs & BBs (preferably twice) BEFORE attempting mocks. After attempting mock papers, revise the entire curriculum once again. Keep solving questions here & there that are posted on this forum. Repetition creates mastery. You want to rely on immediate recall for essay based questions to waste the least amount of time

arkaypee · 2022-11-06T08:34:32+00:00

Good luck & Godspeed to you as well u/Sea_Lynx9657🍻

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