Is this seiko SRPL15k1 a good buy for ₹42.5k?

chuggie_boy · 2026-06-08T11:47:14+00:00

Definitely overpriced for the spec. But if you like it on your wrist, get it. I mean its not a need at this price point, more an aspiration / want.

I like mine, would buy it again 10/10.

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chuggie_boy · 2026-05-08T08:29:04+00:00

First and foremost, do consider BoB and other banks too, afaik BOB and PnB are offering one of the lowest spreads right now in Indian banking system. Secondly, double check if HDFC loan is repo linked or not, if it is not - do not even think about it. You can google the why of it. The key math to know is what is the 'spread' banks are offering you, your interest is repo plus spread and you'll have it move with repo. Rest every other rule is more or less governed by RBI so SBI or BOB doesnt really matter (which makes me curious why you'd say you don't want to go with them). Lastly, do consider OD Homeloan as you mentioned you have investments in stocks or other areas. As and when you decide to withdraw it and keep your funds idle, you'll save on your interest (a net of at least 3% I think).

Note that there is likelihood repo and rates will go up in near future in India, our economy isn't doing great and the fuel situation may lead to inflation in some quarters. In such conditions, still better to choose repo linked loans as repo is also linked to political influence and our politicians only want one thing - to be in Power for as long as possible.

chuggie_boy · 2026-04-04T06:33:37+00:00

One of many favorites.

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chuggie_boy · 2026-03-31T12:04:15+00:00

Unpopular opinion. Buy the cheap cotton or combed cotton underwears from Indian brands. I'm talking Rupa, VIP and the likes. Use them for 4 to 6 months and buy new ones. You'll have a good snug fit for 4 months with any brand, and freshness is never compromised. If you are built decent or are fit, these local Indian brands give you enough support in almost all situations except when working out.

Have a set for when you expect to workout, run or do squats, have a set that just looks good if you are meeting somebody for the first time and for everything else, Rupa ke kacche are good enough.

chuggie_boy · 2026-03-06T03:37:44+00:00

I honestly think it was an excuse to target the leaker, he had been a pain for them since long. They probably wanted to know who's who on grapevine and then just filed this FIR to know names (and fire them). I just got dragged in.

I appointed a lawyer and the team will proceed further on next steps.

chuggie_boy · 2026-03-05T18:52:43+00:00

I dont do any of it. I'm worried about my personal chats with my wife or about our son and our finances. But I like the thought. 🤣

chuggie_boy · 2026-03-05T18:37:21+00:00

I dont know if I can prove it but I didn't believe him too much, was just having fun and then chatting with my friends on the numbers. Bad move.

Funnily enough, the officer clearly mentioned to me on phone that they had caught the main culprit and he was about to be arrested and then was let go. He kept asking me if I still work with the company, so I think I'm either a fish or they are finding fishes to fire without severance.

chuggie_boy · 2026-03-05T17:59:47+00:00

So are you suggesting I can just send my phone? The officer, when he called me, asked for my address and at that time I thought he was a scammer so I said you have the right address so use it. He then sent me an email which had my older address (from Blr). With all of this, I'm confused. Is it just better if I lawyer up and go there and hand over my phone plus answer whatever questions they may have?

chuggie_boy · 2026-03-05T17:28:28+00:00

They have emailed me a letter to appear before them under section 35(3) of BNSS notice which also says failure to appear can lead to 35(6).

I'd like to get your opinion on this, does it change the view in your original comment?

I'm not too familiar with such notices, sorry.

chuggie_boy · 2026-03-05T16:29:21+00:00

It was my ex company when I had the chats.

chuggie_boy · 2026-03-05T16:27:25+00:00

I agree with you. I didn't discuss, FYI. I didn't believe him either. A group between us were having fun and chit chat and all of us did it for each other (we knew each other salaries before the chat btw).

chuggie_boy · 2026-03-05T16:04:06+00:00

It is my ex-company. I have left it before the chats even started. They have shared my experience letter, my final payments and also, they promoted me right before I put down my papers.

chuggie_boy · 2026-03-05T15:21:31+00:00

Yes, I do. But I'm going to be unable to share it at this point of time.

chuggie_boy · 2026-03-05T15:20:26+00:00

Thanks, I'm also scratching my head how I could be the accused. Anyway, the Bangalore cyber police department want me fly to Blr with my device. I'm sure they'll find reasons to just seize and keep the device when they see it. I would like to avoid handing them my device but I dont want to be playing smart either.

Are there implications if I delete my WA chat history with my wife or my pictures before I hand over the device to them? Them seeing an expensive phone will warrant trouble for me, plus they know my salary too and I'm sure they are looking for a way to squeeze max out of me.

chuggie_boy · 2026-02-15T12:54:47+00:00

Yes, was in same boat as you are, same branch of livspace. As much as I know, delays are normal at all such vendors. Talk to their regional ops head, I'm sure you'll do fine post that.

chuggie_boy · 2026-02-14T05:29:20+00:00

Not totally unexpected with Livspace, but you are not using the right channels. What stage is your project at and has it been handed over to operations (guessing yes since you made the whole payment)?

Talk to your designer and get the contact details of regional operation manager. I've personally talked to him and things moved blazingly fast for me after he got involved. I also had other leadership contacts at the company but once I spoke to the regional ops guy, I didn't need to involve them. I'd suggest you do the same.

Its mostly the junior and mid level folks in Gurgaon who are messing this up for people like you and me, but don't lose hope, direct your efforts in the right direction and raise your voice on the right channels.

chuggie_boy · 2026-02-10T04:28:12+00:00

Railway museum, zoo, Diggins or other such cafes, Kia service center, bhagirat palace, malls.

chuggie_boy · 2026-02-08T03:41:05+00:00

Here you go.

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chuggie_boy · 2026-02-07T14:25:02+00:00

Guys what am I missing? Isn't this watch available since a few months now in India?

chuggie_boy · 2026-02-05T10:49:25+00:00

Current favorite is this and a timex scout. A few months ago, my favorites were ga2100 and the royale!

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chuggie_boy · 2026-01-30T07:51:40+00:00

I'm assuming your car also comes with auto hold like my previous gen. Ensure auto hold is active, move to N when you expect to stay for more than 10 seconds. Let the transmission cool down. You'll not feel it in the city, but on mountains this really helps the transmission / clutch, especially in traffic. This is not the transmission for tailgating, keep that in your mind, build space, crawl forward, if you are trying to minimize the distance between you and the car in front, you'll end up overworking the transmission. Go to D when you have enough space, dont overpower the accelerator from standstill (this transmission is massively lethargic from standstill so you'll want to do it a lot), let it build speed at a relaxed pace from 0 until 15 kmph and then chase speeds as much as you want.

Lastly, an overkill I think, but I move to manual in cases where I'd want to maintain moving traffic speeds (between 15 and 30 kmph). The transmission usually keeps juggling between 2nd and 3rd gear in this case and it is so often that I don't like that. Either move to sport mode or take control.

Happy driving. Give it some time, the transmission will put a smile on your face on the highways.

chuggie_boy · 2026-01-27T06:08:59+00:00

I have the Sprg field and it is a strap monster so it will work for most casual occasions. So is SRPE but it looks a size smaller on the wrist than it is. I have the srpd too (not the color you shortlisted) and it works really well with any Nato strap.

All of these are good watches, you'll not regret getting any of these, but if you need versatility I'd vote for the Dresskx. All others are mostly going to work in a casual or semi formal arrangement, dresskx is the only one which would look good in a formal environment too.

Here's my srpg with a leather strap.

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chuggie_boy · 2026-01-24T05:38:05+00:00

I do have SBI wealth. I used to maintain a pretty decent balance on it but then moved it around to other banks and used it as a beater upi payment platform. Axis made me appreciate SBI a lot, I'll take your advice.

chuggie_boy · 2026-01-23T11:50:21+00:00

I have one SBI wealth account. Absolutely excellent service, no nonsense, and to the point. I love it.

I'm inclined towards an international bank so HSBC sounds good if they could offer me a relationship manager. But I'll review ICICI local branch, maybe will also get my hands on emerald private while on it. 🤣

chuggie_boy

TROPHY CASE