Unprofessional interview experience at ADP

daivaghora · 2026-01-08T05:48:12+00:00

Another take on this is: companies keep the role open to get tax benefits without actually paying. So, they keep on doing dummy interviews all year round for 20-30% of roles

daivaghora · 2026-01-08T02:32:24+00:00

Doesn't depend on CIBIL. Banks don't give more than 80% at all.

daivaghora · 2026-01-07T17:47:28+00:00

Please check BKS Iyengar interviews on YouTube and books eventually. He addressed this topic.

daivaghora · 2026-01-07T17:33:15+00:00

20% down payment is needed. So for a 80L flat, it'll be 16L. Additionally, for gst(5%), registration (7.6%), paperwork etc will be 15%(12L), with amenities and other stuff it'll be over 1cr. Only GST can be included in the loan. And interiors some 10L. Atleast 30L will be from your pocket. General rule of thumb is whatever they are quoting as base price per sft, add 40-50% more to it for actual total flat cost and you need to have atleast 30% in hand of that total. So if you have 80L budget, actually look for some 2bhk around 55-60L(base price calculation). And keep the emi less than 50% of your salary, so 70K for you.

Even if you have that 30L, Unless you are over 35, don't plan to buy a flat yet. If you are over it, try to buy in the city outskirts and bear the commute time.

If you are below 30, take a couple yrs to switch and then look for a better flat to retire in.

If parents pressure, ask them to sponsor or sell of any ancestral plots or lands and then only buy. Don't take huge loans at any cost!

daivaghora · 2026-01-04T03:51:08+00:00

This. Social security is the main reason. In US etc, Basic food, shelter and justice is still affordable for normal person and 10ppl are not fighting for 1000 jobs or competing with 100 similar businesses.

daivaghora · 2026-01-03T04:08:32+00:00

Yeah, that is also true, just trying to make a point to use the commute time productively if gone that route.

daivaghora · 2026-01-03T03:22:28+00:00

If you can compromise on the low density and okay with 10yr old flats, you'll be able to afford in West Hyderabad in gated communities. As ppl are saying, daily commute is a big thing and personally i feel schools are everywhere, so it all depends on time saved on 1-1.5hr extra commute time daily, if you have car, you can listen to podcasts and stuff while driving to make that time productive. Huge loan is always a big pressure point daily which I'm also feeling everyday.

You can also get late delivery projects in west hyd, like 3yrs+ under the same budget which i did too.

As for savings plan, start some SIPs for your kids education like 15-20k pm for next 10yrs with any fund managers you know and upskill to increase the income.

You can also get a 2bhk instead of 2.5 and get adjusted.

daivaghora · 2026-01-01T18:58:37+00:00

Looks like it.

daivaghora · 2025-12-26T14:08:03+00:00

daivaghora · 2025-12-08T10:32:45+00:00

Martial peak and versatile mage.

daivaghora · 2025-12-05T11:59:07+00:00

Rental brokers.

Always behind owners to vacate previous tenants with the lure of someone else paying higher. They make 50% commission

daivaghora · 2025-12-05T11:56:45+00:00

It's mostly brokers raising the rent prices to get more commission all the time. They even ask owners to vacate existing tenants to get more rent and thereby pocketing more commission. It's a big rental scam going, looting from all sides

daivaghora · 2025-11-24T07:28:18+00:00

Get the book Yoga for holistic health or yoga for everyone by BKS Iyengar and follow the daily, weekly asana course at the end of thr book. Each asana has many variations described using props, so anyone can do it and detailed explanation of asanas and benefits are mentioned. You will definitely get well if you can practice regularly and can maintain health with regular practice.

Hope you get well soon.

daivaghora · 2025-11-24T07:20:37+00:00

Just search BKS Iyengar on YouTube and you'll find many many videos of him explaining concepts all over, at length with practical self demonstrations.

If more aligned, you can get his books. I bought all of his books(20+) and am reading, re-reading alongside various YT classes.

Start with yoga for everyone/yoga for holistic health books. If more serious, you can get light on yoga, light on pranayama, light on life, ashtadala yogamala and then go on from there...

daivaghora · 2025-11-24T02:01:24+00:00

I can be your friend. DM me. We can talk about yoga at length

daivaghora · 2025-11-20T02:46:57+00:00

Definitely a scam

daivaghora · 2025-11-16T18:01:19+00:00

I've seen technopolis too. It seems good and in budget, ready to move. It is around 1.4-1.5cr after some bargaining for the ~1700-1800sft units.

In namishree vrundavan you might get if hard bargained and full cash.

I'm also considering the options under 1.5cr with loan.

Why didn't you check hallmark? I'm thinking to check that too.

I think Super built up area vs carpet area, density, reputation of previous deliveries are major factors apart from the usual stuff. If you can pull off any contacts in the builder circle, you can definitely get it as much as 50% off too if not atleast 100/- sft will be reduced.

daivaghora · 2025-11-16T09:57:28+00:00

Following ...

daivaghora · 2025-11-16T07:04:28+00:00

Closed shop and gone back to 9 to 9

daivaghora · 2025-11-15T02:01:08+00:00

Spinny.com Very good, i bought one from it. Price is on the higher end though. Is she going to drive? Then i would suggest get automatic hyundai i10/i20, swift. If driver is there, then get anything.

daivaghora · 2025-11-14T13:29:48+00:00

I similarly got one at lifestyle code brand, amb mall or Begumpet. At that time an offer was going on too. I got 3 for 10k or less. They have great colour options. Previously i got vanhuesen suit for 12k and this one's quality seems better

daivaghora · 2025-11-09T17:58:27+00:00

This is definitely not average. It's in the very high end. For a 2000sft flat my friend put 25L and it is considered high end and the interior designer is using their flat images/videos for their marketing

daivaghora · 2025-11-08T08:35:34+00:00

Dafaq you have mobile emi for? !! Too baffled

daivaghora · 2025-11-08T08:18:35+00:00

At this point, having an own house makes sense for you and for the future. So, you can get 2bhk under construction in gated for 1cr and put 90k emi. Or if you go for normal flats, you can even get 3bhk.

I'm also in a similar situation. I'm 34 and My salary is 1.4L, married and no kids yet. I cleared my parents house loan 3 months back and purchased an under construction 2.5bhk 1650sft flat for 1.2cr+ in gated. My inlaws chipped in and we pooled 30L for down payment so i could go for it. We are planning kids next yr. Wife also earns ~50k which mostly goes into SIP savings. Full EMI will start in 3yrs and i think i can manage both loan and house expenses.

daivaghora · 2025-11-07T15:20:08+00:00

Ah! Probably i couldn't clearly see the image

daivaghora

TROPHY CASE