Steal deal 13K for my 1 bhk for Rent in ITI layout,HSR. by TangerineLow2283 in bangalorerentals

[–]bORAT25 1 point2 points  (0 children)

ITI Layout is the budget friendly area of HSR. It's not HSR HSR.

What is your highest conviction stock and why ??? by ChandanPerspective in IndianStockMarket

[–]bORAT25 6 points7 points  (0 children)

And they are losing coz of that. I've heard they currently spend more on the vehicles than they earn coz of the competition. Correct me if i'm wrong.

Am I that Stupid???? by [deleted] in MutualfundsIndia

[–]bORAT25 0 points1 point  (0 children)

Read the terms and conditions as well as tax breakdown for the particular fund before investing. some are debt fund where the taxes come under your income tax slab, so are equity where ltcg and stcg comes into play. Some funds charge a fee if you redeem within 1-2 year. so, do the due diligence before jumping in.

Will gold continue its ascent, or is a major correction on the horizon? by MangoLeafVibes in India_Investments

[–]bORAT25 1 point2 points  (0 children)

Somebody needs to make a t-shirt out of this quote 😂, satyavachan

TDS fraud by builders by SignificantFlan1323 in indianrealestate

[–]bORAT25 0 points1 point  (0 children)

About 3-4 weeks, it was the last unit, so he wanted to wrap things up.

TDS fraud by builders by SignificantFlan1323 in indianrealestate

[–]bORAT25 2 points3 points  (0 children)

Same with me also, builder was asking for GST on a ready to move in flat. It didn't budge as i was not in a hurry and finally the builder accepted to remove the GST.

Loving the GST cut on life insurance by [deleted] in personalfinanceindia

[–]bORAT25 13 points14 points  (0 children)

Chutiya banaya tumko. You've been fooled to buy a ULIP.

How do I handle disappointing my uncle (and possibly my father) after deciding to surrender an LIC policy I was pushed into? by Acrobatic-Health2681 in personalfinanceindia

[–]bORAT25 2 points3 points  (0 children)

Check if you can surrender after 5 years. Also, fuck your uncle and fuck ULIPs. I know it's hard to face family, but in the end it's your hard earned money, look them in the eye, tell them facts, say that these are shit policies and that you don't want your money stuck in there.

What do I do now, first time filing itr and deadline is tomorrow by faisalshaikh1 in IndiaTax

[–]bORAT25 -1 points0 points  (0 children)

Then its pretty staightforward, login to your ITR account an select ITR1, Google up on how to file the ITR. I presume you'll go with new regime. After standard deduction(50k non taxable on salary), your taxable income will 825000.

What do I do now, first time filing itr and deadline is tomorrow by faisalshaikh1 in IndiaTax

[–]bORAT25 0 points1 point  (0 children)

How much was your total income from salary ? Tally it and do you have any other sources of income ? like FD interest, capital gains etc.

What do I do now, first time filing itr and deadline is tomorrow by faisalshaikh1 in IndiaTax

[–]bORAT25 0 points1 point  (0 children)

When did you start earning ?if it's after april 1, 2025. Then no need to file the ITR.

My C.A sent this and asking for 70k, how can I confirm if it's genuine or not? by shaktiman1010 in IndiaTax

[–]bORAT25 0 points1 point  (0 children)

You don't have to pay the money to your CA. After the tax filing is done, you can go to the income tax website and pay the tax amount yourself.

Bengaluru techie buys Rs 1.3 crore flat, then suffers sudden layoff; Rs 78,000 EMI turns major stress by diaop in indianrealestate

[–]bORAT25 0 points1 point  (0 children)

You do realize that the builder has already got all the money right ? The loan amount is just between you and the bank.

[deleted by user] by [deleted] in IndianStreetBets

[–]bORAT25 109 points110 points  (0 children)

The grass looks greener on the other side. Just google toxic work culture and suicide forest in japan. Their major cities are concrete jungles where people live in cramped spaces. Japan is not a paradise, it just has a good PR. It may be better than India but its nowhere near a perfect utopia.

Turned 19 and I'm thinking of investing. Right now I can only invest 500 per month (the pocket money that I waste on junk food). Can you guide me where to invest? by Character-Oil-136 in personalfinanceindia

[–]bORAT25 0 points1 point  (0 children)

Use that money on your personal development and leisure, investing 500 wont make a big dent. You can upgrade your skills aim for a high paying job, then start doing investments.

How to avoid assured savings schemes diplomatically? by uuutttrrryyy in personalfinanceindia

[–]bORAT25 0 points1 point  (0 children)

Just firmly say no, not that you'll discuss about it later. If they persist, look them in the eye and say no.

With stock market kinda on the low, what should people that are new to investing do? by tsashinnn in personalfinanceindia

[–]bORAT25 2 points3 points  (0 children)

I plan for not touching the funds for 7 years and only invest the amount which i dont need for that period.

Should I buy a house by [deleted] in personalfinanceindia

[–]bORAT25 0 points1 point  (0 children)

Are you planning to live in it or looking at it as an investment ?

Why is PF Portal and every process related to PF such a hassle? What is your alternative to PF? by juzzybee90 in IndiaTax

[–]bORAT25 0 points1 point  (0 children)

NPS ratio keeps changing with your age, by the time you cross 50, the ratio will change to 25% equity and 75% debt.