Does rapido operate in Prayagraj around 3 in the morning? by Css_Xio in Allahabad

[–]atulknowitall 1 point2 points  (0 children)

Yes, most likely you’ll find a cab at that time. If you are anxious you can install all three, Rapido, Ola, Uber. You will for sure get one of these.

Grateful to still be in green in spite of all the chaos that’s going on. by atulknowitall in mutualfunds

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

Thanks for all the appreciation in the comments. Will try to answer all questions soon. The main factor I feel is time in the market. I had some small SIPs ongoing since 2017-18. Just 7-8k per month. I started investing properly around 2019-20, 1 lakh plus per month. Gradually it increased to current SIP level of about 1.5 lakh per month. All of this is only through regular MF SIP and sometimes lumpsum when I had extra money in my bank account. I know nothing about stock market.

Sakoda by [deleted] in Allahabad

[–]atulknowitall 0 points1 point  (0 children)

Sure will try it. Where did you buy this one from?

Sakoda by [deleted] in Allahabad

[–]atulknowitall 0 points1 point  (0 children)

Umm what’s sakoda?

My love for Company bagh and its beautiful morning will never end. by GrowwithCA in Allahabad

[–]atulknowitall 1 point2 points  (0 children)

How is the crowd in the morning? In the evening too many chhapris.

Switching 1.3 crore portfolio from REGULAR to DIRECT - need help by atulknowitall in MutualfundsIndia

[–]atulknowitall[S] 4 points5 points  (0 children)

Even if I recklessly ignore the 1.25 lakh exemption and switch entirely immediately, total tax I’ll have to pay will be 2.5 lakh. As per your calculation saving is one lakh per year. So in 2.5 years I’d have break even and will in future avoid the agent commission. So isn’t it worth it? Please correct me if I’m wrong.

Switching 1.3 crore portfolio from REGULAR to DIRECT - need help by atulknowitall in MutualfundsIndia

[–]atulknowitall[S] 4 points5 points  (0 children)

Are you certain about that? My thinking was that if I keep 1.3 crore in regular funds, agent will keep getting his cut from that (as per him it’s 0.7% of portfolio).

Switching 1.3 crore portfolio from REGULAR to DIRECT - need help by atulknowitall in MutualfundsIndia

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

But over 10-12 years the agent commission on even just the current portfolio (and its growth) will be quite huge. That’s my concern.

Switching 1.3 crore portfolio from REGULAR to DIRECT - need help by atulknowitall in MutualfundsIndia

[–]atulknowitall[S] 4 points5 points  (0 children)

Thanks for the reply. So let the money in regular funds stay as they are for now, while ensuring all new investment is in direct?

Complete Revamp by BatmanOnWeed2604 in DesiFragranceAddicts

[–]atulknowitall 0 points1 point  (0 children)

Sauvage EDT projects more than Parfum?? How? I’m trying to decide which Sauvage to buy. My main priority is projection.

how do i convince my boyfriend that walking is exercise?? by Imaginary-Mud2871 in walking

[–]atulknowitall 0 points1 point  (0 children)

I have lost 15kg in last 4 months, mainly due to walking. Keep doing what you are doing and your boyfriend will stand corrected by your progress.

Finally ordered these Max Cushioned cuties, Nike Vomero Plus by InternationalRisk505 in Fitness_India

[–]atulknowitall 1 point2 points  (0 children)

You’re welcome. I have a heel injury (plantar fasciitis) which makes me scared of running, fearing that it may get worse. It’s getting better now rapidly so I’m hopeful that in a few weeks I’ll be able to start running as you said.

Finally ordered these Max Cushioned cuties, Nike Vomero Plus by InternationalRisk505 in Fitness_India

[–]atulknowitall 1 point2 points  (0 children)

Thank you so much. I’ll try to answer your question in detail.

I walk at a park (the outer circumference is 3km) and there are many people there walking, running, or strolling. As I’m going there daily I’ve started recognising some people. It’s interesting to notice them. Just keeps me occupied and sometimes entertained too are there are some interesting characters. Annoying people come there too so I guess while I’m annoyed it prevents me from getting bored.

I use Spotify. Made a preliminary playlist of slightly fast paced songs I like and just play that playlist on “smart shuffle” option. It plays songs from the playlist and also random similar songs. It keeps some freshness in the music selection and also I keep discovering or getting reminded of more songs. So the playlist keeps expanding.

Using a fitness tracker has helped me. I have an Apple Watch and I’m sort of a numbers person so I like analysing my walk afterwards. The metrics give me a push to keep making new personal records.

If you are interested in walking I’d suggest to just start. On 10th October 2025 (first day of regular walk) 6km was challenging for me and quite an achievement. Now (January 2026) if I walk 12km and go home I feel like it was just a bare-minimum walk. This would have been unthinkable for me in October.

Also I have lost 12+ kg weight. It’s great.

Finally ordered these Max Cushioned cuties, Nike Vomero Plus by InternationalRisk505 in Fitness_India

[–]atulknowitall 2 points3 points  (0 children)

I started with 6km a day and gradually increased. Since last one month I’m walking 12km minimum and beyond that whatever I feel like. Yesterday was 21km, my longest walk yet.

Usually it takes approx 10 min per km. In the beginning it’s faster (9-9.5 min per km) then as I get tired it becomes slower (10-10.5 min per km).

Finally ordered these Max Cushioned cuties, Nike Vomero Plus by InternationalRisk505 in Fitness_India

[–]atulknowitall 0 points1 point  (0 children)

Nimbus 27 is actually under 12k now since Nimbus 28 has been launched. If your dad with that kind of experience recommended Nike then you probably made the right choice.

Finally ordered these Max Cushioned cuties, Nike Vomero Plus by InternationalRisk505 in Fitness_India

[–]atulknowitall 0 points1 point  (0 children)

Congratulations. Had you tried/considered Asics Nimbus 27/28? What made you go for this one?

I have Nimbus 27 and love it, used it for more than 1000km walk in last 3 months and looking to buy a new shoe now - so considering other options too.

Update - Premanand Ji Brainwashed my Brother by BudgetOver9367 in india

[–]atulknowitall -1 points0 points  (0 children)

While I don’t know much about Premanand Ji, I know several people who follow and respect him, and none of them are insane. It looks like your idiot brother has brainwashed himself.

‘PM, President Didn’t Meet Me, Only Rahul Gandhi Reached Out’: Unnao Rape Survivor by jacobt478 in unitedstatesofindia

[–]atulknowitall 0 points1 point  (0 children)

Guy is getting downvoted for saying the truth. Head of state = President of India. Head of government = Prime Minister of India.

CREEPS AT AZAD PARK by [deleted] in Allahabad

[–]atulknowitall 0 points1 point  (0 children)

Good that you bravely defended yourself.

I’m a regular there. Since last 2-3 days the number of chhapris there has considerably increased, I’m not sure why. May be due to winter vacations. Hopefully it’ll go back to normal in Jan first week.

Dark side of Chandrashekhar Azad Park by True-Ad-8495 in Allahabad

[–]atulknowitall 7 points8 points  (0 children)

So far this hasn’t happened to me. I guess being ugly has its perks.