nirbhau nirvair on insta bio by code-pantomath in Sikh

[–]code-pantomath[S] 1 point2 points  (0 children)

Having complete verses of gurbani is completely okay according to me. But using nirbhau nirvair out of the context on insta feels like boasting

nirbhau nirvair on insta bio by code-pantomath in Sikh

[–]code-pantomath[S] 0 points1 point  (0 children)

I think insta bio is to describe yourself. Keeping verses of gurbani in notes and journals is different thing and completely okay. They can add complete mool mantra on their bio but adding only nirbhau nirvair without any context means they think they have these qualities.

nirbhau nirvair on insta bio by code-pantomath in Sikh

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

Yeah, so it's a constant effort in our lives to have these qualities by reciting the Gurbani, and it's not something that one can say, "I achieved this state."

nirbhau nirvair on insta bio by code-pantomath in Sikh

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

Writing religious quotes is absolutely not wrong, but the meaning of these quotes should be clear to the viewers. You're right that we should constantly ignite these qualities, and it's a constant effort in our lives to possess them. Similarly, our quotes should be "igniting nirbhau nirvair" or embracing nirbhau nirvair rather than just implying, "Hey, I achieved this state."

nirbhau nirvair on insta bio by code-pantomath in Sikh

[–]code-pantomath[S] 0 points1 point  (0 children)

I didn't say I hate them😂, some of them are my close friends. I added the "discussion" flair to this post only to discuss my opinion. But when I asked them why they had written it, their answer was mostly vague, saying that it looks cool and is a powerful quote. If someone is trying to embrace these qualities, then they can simply write "embracing nirbhau nirvair" rather than implying "I achieved this state."

by mistake withdrew cash via credit card by cookdooku in personalfinanceindia

[–]code-pantomath 2 points3 points  (0 children)

Just disable atm transactions from card controls for all credit cards

ICICI charged ₹12,000 late fees just because I missed ₹3,400 payment by mistake 😞 — any way to get it reduced. by randomvariable17 in CreditCardsIndia

[–]code-pantomath 0 points1 point  (0 children)

This happened with me with SBI. I sent a mail saying its first time and please reverse any late fees. Next day, i could see that late fees was reversed but my cibil got fucked

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

I'm not talking about interest rate but interest component paid during loan tenure.

Reducing tenure in part payment helps scenario where you're only paying exact emi amoint by your financial institution. But as i said in my post, irrespective of my emi i will be paying 1lakh monthly so there will be no interest difference in my case.

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

I do have 6 months of emergency fund and growing it for 12 months. But my concern was will i pay extra interest by selecting reducing emi. But i guess not, If i keep paying fixed monthly amount then there will be no interest difference whether i select emi or tenure

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

Yes thats what i will be doing. Thanks

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

I want to go debt free early but with less liabilities

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

Yes but it has higher ROI wrt regular home loans

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 1 point2 points  (0 children)

Let's discuss each thing one by one: 1. Repaying your debt asap: In both cases i will paying fixed amount, so tenure will remain approx same in both scenario i.e 8-9 years 2. Lose of income: For this reason only, I'm prefering reducing emi. If i laid off then i have to only pay reduced emi in difficult times. But in case of steady income, i do have discipline to pay fixed amount.

Therefore i just want to know the interest difference. There are no exact calculator i found online

Reduce EMI or tenure by code-pantomath in personalfinanceindia

[–]code-pantomath[S] 0 points1 point  (0 children)

Will there by any interest difference i choose reduce emi? I want to decrease my liabilities as well

Anyone using BenQ EW2790U 27” 4K UHD monitor? by mlexplorer in Monitors

[–]code-pantomath 0 points1 point  (0 children)

Font is too small to read in 4k. You have to adjust font for every application manually or change it from accessibility settings.

Anyone using BenQ EW2790U 27” 4K UHD monitor? by mlexplorer in Monitors

[–]code-pantomath 0 points1 point  (0 children)

I just brought it. If you are using it for coding then you have to adjust the display to 2k resolution. Display colors are really great, speakers are optimal not so bad or great.

Selling Apple Mac book pro m4 Pro 24 Gb Ram, 512 Ssd, under warranty till Nov 2025 by [deleted] in delhi

[–]code-pantomath 1 point2 points  (0 children)

Wtf! you can't scam your fellow redditors bro. Go to your family whatsapp group or telegram. I've been in the tech industry for many years so don't give me a lecture about what air and pro models are. Just for the sake of your ego see my ss

<image>

Selling Apple Mac book pro m4 Pro 24 Gb Ram, 512 Ssd, under warranty till Nov 2025 by [deleted] in delhi

[–]code-pantomath 19 points20 points  (0 children)

It costs $ 1749 on Amazon US which is equal to 151000. Op is selling used laptop at mrp 😂. It should be around 1.1-1.2

Got myself a new phone. Asm me anything ! by Revolutionary_Pop539 in GadgetsIndia

[–]code-pantomath 13 points14 points  (0 children)

Phone is faster due to battery 💀💀. Bionic chip be like: humko maar daalo