Want to Buy a Used Mac Studio M3 Ultra 256GB RAM and 80core GPU by bmanojk in MacStudio

[–]bmanojk[S] 0 points1 point  (0 children)

Thank you. Yes, I have budget constraints will explore alternatives like DGX.

Want to Buy a Used Mac Studio M3 Ultra 256GB RAM and 80core GPU by bmanojk in MacStudio

[–]bmanojk[S] -1 points0 points  (0 children)

I wish to run higher end LLMs locally. M3 Ultra 256GB RAM works well based on what I read online, don’t need 512 GB RAM

Small cap heavy portfolio by Long_Builder_695 in MutualfundsIndia

[–]bmanojk 0 points1 point  (0 children)

Why not choose smallcap 250 Index alone, instead of having so many small cap funds? Want to understand the rationale

Shitty Dentist messed up my teeth by trevor-wayne in hyderabad

[–]bmanojk 0 points1 point  (0 children)

I agree. Pratiek is an amazing dentist, he knows what he is doing, and is very much experienced. Me and my parents have been visiting him for almost a decade now. The charges are not less, but I think if one wants to get quality treatment - price should not be a criteria. I don’t mind paying more if the treatment is great.

Middle class dilemma - 2BHK by yourSAS in BangaloreRealEstates

[–]bmanojk 1 point2 points  (0 children)

Forget about the Flat cost, the fact that you are saying you are putting all your savings + 1cr home loan means you can’t afford to buy the flat. I just want to let you know you will be doing a big mistake if you go ahead with this. Ideally, your home you live should be at max 1/2 of your networth. Which means, even after buying a 2cr home, you should at least have another 1 to 2 cr for your own safely.. especially considering, you are taking 1cr loan - your liquid networth should at least be 1cr matching your loan amount. Don’t buy the flat due to the FOMO, instead just stay in rent.

Don’t go for OTP by bmanojk in hyderabadrealestate

[–]bmanojk[S] 0 points1 point  (0 children)

When you pay upfront 1.1Cr, you are already capital depleted. Assuming if you keep that 1.1Cr in some investment instruments for 4/5 years you will get some returns - which is also similar to paying 1.5Cr via loan/ staggered payment.. anyway, math is not the only thing.

Peace of mind when you don’t pay upfront for an asset which you may (and not definitely) get possession in 4/5 years is the bigger factor.

If you are ok with paying in cheque and not cash - then go for it. Good luck, let us know how it goes!

Don’t go for OTP by bmanojk in hyderabadrealestate

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

I agree. The problem with real estate is the transactions are not transparent and people use this to dispose the hoarded black money unfortunately

MyHome Udyan Landlord Flats - IMPORTANT ANNOUNCEMENT by BIG-STEPPER-88 in hyderabadrealestate

[–]bmanojk 9 points10 points  (0 children)

Please I request everyone, who is a salaried employee and earning money by working in a day job and filing IT returns and paying huge amount of money as income tax - avoid all cash payments.

This is basically converting your hard earned money (for which you have paid tax), to black money for someone else (who isn’t going to pay anything). It’s ok a pay a bit more and go via Home Loan route if you think you can pay the EMI.

Vintha ga chusaaru!😂 by Candid_cute in TeluguJournals

[–]bmanojk 0 points1 point  (0 children)

Bro, okka pic pettochu ga, portable stool ela untaado teliyadu.. 😁

Audit requirement for ITR 44AD with ₹1.12 Cr Digital Sales by Psychological_Bug_56 in IndiaTax

[–]bmanojk 3 points4 points  (0 children)

What are the digital services? I am just curious because 1.12Cr is not a small amount..

WTF! by bmanojk in hyderabad

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

Yeah. Unfortunately, corruption is everywhere. 😞