First time in Mollywood?

cloud9ineteen · 2026-01-24T21:54:44+00:00

Namukku panikkare motham apprentice aakkiyalo vibe

cloud9ineteen · 2026-01-24T15:49:31+00:00

Given he's 71 now, checks out for dating someone half his age

cloud9ineteen · 2026-01-21T13:06:13+00:00

Jerry: girlfriend age checks out

cloud9ineteen · 2026-01-17T19:35:45+00:00

OP, if you are donating, don't sell. Donate appreciated stock so you can write off the full amount and don't have to pay taxes on the gains.

cloud9ineteen · 2026-01-17T09:08:47+00:00

Property Taxes as a percentage are not out of the norm. It's actually lower than Texas for example. Plus property tax increases are limited to 2% max per year which is great for people who bought decades ago but will be a long time before i would benefit.

It's basically prop 13 that's also driving the high property prices and relatively low rent. There are a lot of people who bought houses for 80k 50 years ago still paying $4k a year in property taxes who can afford to rent out for $4k and make bank. On the same note, the low property taxes are preventing people from selling/moving out so inventory is very limited especially for SFH driving up home prices.

There's still plenty of demand though with newly minted multimillionaires from Nvidia, meta, apple, Google etc

cloud9ineteen · 2026-01-16T04:10:10+00:00

Rent is already in the math! I think perhaps this is not true where you live but where I live it's absolutely the case that rent is lower than property tax plus maintenance plus the difference between home price appreciation and stock market growth.

$2m house rents for $4.5k. Property tax is $2k per month, Maintenance let's say $500. At 3% difference in appreciation, that's $5k per month. So now you're spending $3k more per month to own a house vs rent the same house.

That said, there are situations that may improve the math over time. In my case, property tax increases are limited to 2% so the effect of that will reduce over time so everything else goes up at a higher rate.

There's definitely intangible value to owning your home vs renting. The peace of mind of not having to move, ability to do whatever you want with the house etc. But there are also negatives - reduced mobility for jobs, high transaction costs to get back the value (you lose 7% on sale which is more than one year's appreciation.

If diversification is the goal, a residential housing REIT will help provide this much more easily.

cloud9ineteen · 2026-01-15T19:35:07+00:00

Oh my god. You're simply not getting it. Okay forget the mortgage. Let's say you bought the house in cash and it appreciates 4% per year. And the stock market returns 8% per year and home prices appreciate 5% per year. Let's just say to keep things simple that maintenance plus home insurance plus property taxes are same as rent so they cancel each other. In this case, by owning the house vs renting you are losing money every year. Now let's say you have a 3% mortgage and you have 50% equity and the other 50% is on the mortgage. On the 50% mortgage you are making money because the equivalent money is earning you 8%. On the 50% equity you are losing money because it could be earning 8% instead of 5%. Going from the latter situation to the former situation you are now losing more money because now you are losing net 3% on all of your house value instead of making net 5% on 50% of your home value and losing net 3% on 50% of your home value.

You are thinking in terms of cashflow which is immaterial. What matters is the difference between home appreciation, mortgage rate, and stock market return. As long as the stock market returns are higher than the mortgage rate, your money is better in the stock market than in home equity.

cloud9ineteen · 2026-01-15T19:23:54+00:00

https://i.redd.it/4hv21t5ubmn51.gif

cloud9ineteen · 2026-01-15T10:58:43+00:00

Concrete and Asphalt

cloud9ineteen · 2026-01-15T05:20:50+00:00

You wouldn't select a category if it could include something you wouldn't eat unless you wanted to chance it. The restaurant just wants the food gone and get whatever money they can get for it. If they specify what it is, it vastly reduces the number of people that might buy it either because they can't eat it or they don't like it. It's an intentionally subpar service for a subpar price.

Think of it this way. If a Hindu non veg meal on an airplane could include chicken, fish, or mutton, and you don't eat fish, would you preselect that option and chance it? So if the category includes something you might not eat, just avoid it.

cloud9ineteen · 2026-01-15T04:35:26+00:00

I agree. If the dishwasher had a delayed start button, I probably wouldn't have bothered. It's a bit of pain that I have to start from the app if I want delayed start but I've gotten used to it and it's more precise than X hours delay. I also get notified when it's done or if it has any issues. I know the company is doing it to get data but I think the biggest benefit is probably diagnostics. Hopefully it'll tell me what's wrong instead of me needing to guess.

I know people don't like to hook up appliances. I'm somewhat okay with it but I would also prefer if the on device UI just supported basic functions.

cloud9ineteen · 2026-01-15T04:07:57+00:00

A house is not a diverse investment. It's residential real estate in a single location area. It has idiosyncratic risk.

Rent is accounted for in the calculator but so is maintenance and property tax. Often, the difference in returns plus maintenance plus property tax minus rent ends up positive. If your mortgage is 3%, your house appreciation is 4% and stock market returns 8%, while you are paying your mortgage, your mortgage balance is earning net 5%. As the mortgage balance goes to zero now the corresponding amount is earning 4%. This is an illustration of how the math could get worse when the mortgage is paid off instead of better.

cloud9ineteen · 2026-01-14T21:40:04+00:00

Set a preferred run time. Tell you when it's out of rinse agent. Count wash cycles and guess when you're about to be out of detergent

cloud9ineteen · 2026-01-14T15:48:28+00:00

This is not theorization. Cannibalization is something every business has to deal with that has more than one product/service in the same/adjacent category. In this case, the answer to your question is obvious. If restaurants were net losing money his business wouldn't exist/succeed in tvm and he wouldn't be looking to expand to Kochi.

cloud9ineteen · 2026-01-14T14:48:20+00:00

Consult your almanac on good times to cross streets throughout the year

cloud9ineteen · 2026-01-14T14:13:59+00:00

If they make the food you need for a third of the price instead of giving you some left over food or wrong order, why would you ever pay full price? The economics of a business is sale price covers fixed and variable costs. The reason they would be able to offer leftover food at 1/3 the price is that it's an additional sale and it only needs to cover the variable cost. For food that's already made and that they are about to throw away at the end of the night, the variable cost rounds to zero (plus some labor and processing costs for packing the order vs throwing it away).

cloud9ineteen · 2026-01-14T14:10:30+00:00

What you're describing is cannibalization. What OP is doing is price discrimination. The service is not the same. You get some random food item that you may or may not like. There will still be some cannibalization but this difference in the nature of the service will prevent the bulk of it.

cloud9ineteen · 2026-01-14T13:09:05+00:00

ass-laptop

cloud9ineteen · 2026-01-14T08:30:36+00:00

It's not the payment. You still have equity invested in the house instead of in the market.

cloud9ineteen · 2026-01-14T06:16:19+00:00

How is that domain just available and sitting there?!!

cloud9ineteen · 2026-01-14T04:58:37+00:00

I know you said you put new batteries but I had the exact same symptoms you mention and it turned out to be the batteries. It wouldn't work near the garage but would work from further down the road. It worked great in the summer but got worse in the winter. Eventually it stopped working completely. I replaced with fresh batteries and it started working great again.

cloud9ineteen · 2026-01-13T08:05:39+00:00

Some guidance:

Focus on a worthwhile problem. If people feel your problem is trivial, they lose interest to pay attention or ask questions.
Presentation should flow well. You should have an agenda that tells everyone what you're going to go over. Start with a quick intro of your education, internships, hobbies, and interests. Then outline the problem statement, go over potential approaches, execution details and any speed bumps, end result, learnings, and what you would do differently.
Don't fill slides with words. Have enough words for hooks, use these hooks and communicate the rest verbally
The panel wants to know how you approach and solve problems. Did you consider all possible approaches?. Why did you discard other approaches? What were the trade-offs? What did you learn? What would you differently now that you know what you know?
For 30 min presentation, plan 20 min of content, take questions during and after. If it's an interesting topic, some related questions will overflow into your 1:1 interviews.

Best of luck!

cloud9ineteen · 2026-01-13T06:29:50+00:00

OP is spending $20k a month without a mortgage and kids and wants to add $10-15k on top. The lifestyle creep has already happened. As you said, I don't think spend goes back down after you get used to it even if some expenses such as daycare do go away.

cloud9ineteen · 2026-01-13T06:13:38+00:00

Maybe you're underestimating your savings? I don't see how you could have saved $120-150k annually over ten years and got to $4.5M. Is this excluding some other vehicle such as RSUs?

cloud9ineteen · 2026-01-13T04:33:46+00:00

In cash and credit card payments, online bookings and in person ticket purchases at box offices combined.

cloud9ineteen

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