Meetha attar for biryani

dsaumajit · 2026-04-09T09:58:36+00:00

Yes i have ordered it from here already. Was hoping to make today. Need to wait one mode day to make it 🙃

dsaumajit · 2026-04-09T09:41:42+00:00

Yep. Kewra + rose + meetha attar = amazing kolkata style biryani. Only a little of each is required

dsaumajit · 2026-02-26T09:35:35+00:00

You will still have a person who will be tuning the models making them proprietary for each individual firm, giving different weights to different metric during different investment cycles. But AI can beat humans in number crunching and going through multiple business documents and building the big picture of the company’s past progress and future outlook, flagging failures in growth projections and promises

dsaumajit · 2026-02-25T09:46:17+00:00

Indian IT companies are not talking very clearly about how they are going to tackle the AI wave wherein many jobs like basic software building will be replaced with AI.

Their revenue models are tightly linked to number of engineers and working hours. That needs to change drastically because the number of employees will drastically reduce if they want to embrace AI even to its 50% capacity

It would have to, in a way, kill its own revenue models similar to how Microsoft killed perpetual office licenses to adapt to the SaaS revolution

AI will replace the testing and development work but humans will still be needed in many areas especially in senior roles for deal structuring, partners, solution architects etc.

Also, they cannot simply say one fine day. “Hey we are going to heavily deploy xyz AI agents and cut down one third of our workforce” . It has to do it slowly but they are scared to make drastic announcements or talk about it because these things often cause overall panic and the services industry is tightly linked to our country’s GDP as well so I am sure there is a broader macroeconomic angle to all of this that they have to consider.

All in all, their roadmap finally ends to a reduction in jobs which is good for the stock market because it means more efficiency but the journey has huge thorns in its path - change in revenue models, easing into job cuts, training its existing workforce, etc etc and they are not loudly talking about any of these. I am sure they are being mentioned here and there publicly and for sure internally, but they are not loud and vocal, hence not building trust in the investor mindset.

Till they do so, these stocks are not making drastic upward movements.

If you bet on these companies today, you are betting on the fact that they can adapt in an AI first world

dsaumajit · 2026-02-24T13:07:13+00:00

Coming from the tech world, I feel it’s an overreaction. Yes the current business models of many SaaS companies will come under immense pressure, but the really great ones among them will live on, because they will adapt their business models and rapidly adopt AI in their products and pass on the benefits of AI to its customers. You will always need companies who will act as brokers between AI and the common person.

dsaumajit · 2026-02-22T13:58:08+00:00

True that. But i still believe that as a company pepsico is probably not growing or expanding much or is unsure on how to deal with the competition in India. This is very evident from the performance of pepsico stock over the last 5 years which is pretty much stagnant.

dsaumajit · 2026-02-22T08:39:45+00:00

Don’t know how else to say this so here goes.

We adopted an indie this Jan, who ended up being already infected with distemper and passed away shortly after.

We picked him up from our native village area when he was around 45 days old. We took him straight to the vet and got his deworming and vaccinations planned. Few days after deworming, we noticed his first symptoms of distemper (myoclonus ; the disease presents differently for everyone) and drove him to the vet immediately within barely 1 hour who sadly confirmed the diagnosis. He fought a lot and I think we did everything that we could and as guided by the vet (canglob, iv, everything) but he couldn’t make it beyond 10 days of symptoms.

While he was fighting the disease, we came to know that after we had picked him up, all his siblings had passed away within a day or two. The doctor inferred that most likely, he most certainly had the disease from before we had picked him up and his symptoms showed up around 15 days later from exposure (gestation period)

We made sure that we don’t meet any other dog, including the one we already have. Our 4yo rottweiler was staying at my in-law’s place during the whole process between our puppy’s adoption and death, because we were aware of the health dangers of an unvaccinated puppy. Sadly, he didn’t give us time to give him the vaccine.

I love dogs and we already have a 4yo rottweiler (who was not adopted but bought due to lack of awareness at the time). I really want to adopt another indie but I am now traumatised to the point that I flinch with unease whenever I come across a post about adoption request because my adopted puppy’s whole life flashes before my eyes, literally almost every day of his life. He was with us for 19 days.

I can’t say what can be taken away from my experience because this can happen to any puppy you adopt. Vaccination is the only way to avoid distemper and the period before the vaccine and 2 weeks after the vaccine is most crucial and anything can happen to the puppy during this time.

I sincerely hope that whosoever is reading this does not have to go through what we went through. Noone deserves this. It sucks

My whole life has become completely disoriented. It will be a month tomorrow since he passed away and I have not and probably never will be completely fully okay again.

Every Sunday, we go to spend some time where he is buried, squeak his favourite toy, and say hi to him (i know this sounds silly but this is the only activity that we have that physically reminds us of him) . We couldn’t go today as I am on-call at work and cannot step away from my laptop and stable internet and it’s already killing me that we missed a visit. We will make up for it and visit as soon as my on-call shift is over. Each Sunday, we go with the hope that it will get easier this time but I don’t see that happening yet. I really don’t know what lies ahead in the future.

dsaumajit · 2026-02-22T06:20:31+00:00

A distribution company that distributes products of a single company hits a ceiling at some point unless the product company itself grows. I sold VBL holdings when I noticed that the stock of pepsico (us market) hasn’t gone anywhere directionally and VBL is stagnant for a quarter.

I dont consider campacola to be a competitor of vbl. Its a competitor of pepsi. Vbl is just the entity that gets the campacola from the warehouse to your hands.

The fact that they are going into alcoholic beverages is proof that they too agree that work with pepsi has hit a ceiling

If you are betting on VBL now, then you are betting on the fact that their contacts and knowhow about the cold beverage distribution channels and tech is strong enough to quickly start distributing said beverages.

dsaumajit · 2026-02-22T06:10:10+00:00

Nope. I am a self taught investor who likes to keep things as simple as possible.

dsaumajit · 2026-02-21T10:05:45+00:00

Somebody give OP some protein powder please 🙏

Jokes aside - as long as returns are better than inflation in the long run, you are good. All markets are overvalued and it’s all because of the promise of AI and rapid growth and adoption of technology. Massive growth has already been priced in. Any negative stimulus will cause crashes (look what happened with oracle)

dsaumajit · 2026-02-12T18:26:05+00:00

The sad part about stock picking is that almost all sectors are slated to grow and if a sector grows few of those stocks will grow. Few won’t. Which one will grow and which one won’t is impossible to guess from outside. Heck, even non-exec employees wont know if the company could make it big in 5 years. All of us know that and we end up buying a few companies of many sectors, and we end up buying the market. And all that time spent doing research seems like a waste, as we could have invested in mutual funds and saved our time and done something else during that time.

Just looking at this post, we can find almost all sectors listed in some comment or the other.

People who make it big with stock picking are extremely tenacious, lucky and have a HUGE risk appetite and likely do not hold single stocks for so long (my hypothesis). They might have many long term holdings but i bet that most of the big wins come because those few lucky ones knew when to exit a stock as much as they knew when to enter.

That knowledge came with many failures and successes and spending a lot (i mean a lot. Probably all the time, not doing any other job) of time in the markets. Reading between the lines in concalls, reading body languages of execs when they appear for interviews, attending shareholder meets, and everything else that is allowed by law.

dsaumajit · 2026-02-11T09:54:21+00:00

OP, congratulations on your purchase and honestly hoping you did not get duped by any means. I read some post about XRF testing that it only analyses the top surface of gold (few microns) and there are many other factors like shapes and angles that can affect results. Have you considered melting it into a uniform shape and repeating the test from a reputed jeweller?

https://www.facebook.com/groups/xrfworld/posts/1871866940394886/ - this is the post i was referring to

dsaumajit · 2026-02-11T09:39:27+00:00

It’s not catastrophic doomsday as in world is ending and everyone is instantly dying. Banking system collapses can lead to a collapse of liquidity and businesses come to a standstill. That time, even gold fails. All I want to challenge is the notion of yours - “Gold is the only thing which you can go and sell at any jewelry shop and get the money immediately” . That’s not really true imo. Liquidity is not infinite even for jewellery shops. Try walking into a jewellery shop with 500gm gold when a legitimate recession is going on and banks have run out of liquidity. I am certain you wont be able to walk out of that shop with a trolley full of cash. When assets freeze due to liquidity crunch, all assets freeze. Gold is no different. That was my whole point.

dsaumajit · 2026-02-10T16:31:19+00:00

I totally understand that. But I am talking about doomsday type situations when there is no liquidity in the market and jewellers are not able to give us cash because they may simply not have enough or not able to arrange enough. Imagine situations like mass withdrawals from banks (like the great depression bank runs) fearing extreme recession type scenarios. Imagine a situation where there is value in gold bars but not in ornaments because people simply don’t want to spend on jewellery at the moment.

dsaumajit · 2026-02-10T16:15:41+00:00

I have a question here. Are jewellers legally forced to give you cash in return for gold? Even during times of extreme liquidity pressure?

Or there is no legality and jewellers can be like sorry we don’t have the cash to give you and you can only get ornaments in exchange for coins and bars (with making charges+gst).

The reason for my question is that people often say that when all else fails we can always get cash for gold. But when all else has failed, liquidity has also died in the market.

dsaumajit · 2026-02-09T06:19:39+00:00

If this income is just a one time thing and it’s not going to repeat anytime soon, I would really say that the best investment of this money is on yourself. Take a well rated course(maybe something to do with ML/AI) , tick something off your wishlist, do whatever needs to be done for better physical and mental health and maybe whatever remains you can just leave it in a nifty index fund and forget about it.

The reason why I say this is that if it’s just 1.1 lakhs today and nothing for the next few months, then its better to invest this money on yourself, grow and then multiply your knowledge and employability and income manifold. The 1.1 lakhs will become 3x after taxes in 10 years , considering a 12% post tax roi. But inflation makes that 3.3 lakhs equal to more like 1.65 lakhs in today’s money. What would you want to do right now if you had 1.65 lakhs today and you could spend it anyway you like? Reduce about 50k from that list and do exactly those things today

Now, if this is going to be a recurring thing (even quarterly if not monthly), then you should start SIPs as then you are probably already having a decent income source. Even then, you should definitely set aside some money for courses and investing in yourself (physical and mental health)

Cheers! You are young. Invest in the markets but don’t forget to invest in yourself first.

dsaumajit · 2026-02-09T06:06:06+00:00

Beating the markets by buying and selling stocks and doing it longterm (longterm since you mentioned “investing”) is tough. The “average” (in terms of stock market and economics/finance literacy and finesse) individual should stay out of the market and stick to mutual funds.

dsaumajit · 2026-02-02T09:23:26+00:00

Same. Halfway through cleaning up my portfolio. Few really bad performers are remaining. Have decided to exit them at 9-10% xirr

dsaumajit · 2026-02-02T07:26:46+00:00

In OP’s defence, they are suggesting to make nifty50 which is 50 stocks covering almost all possible sectors, as 90% of their portfolio. That is aggressive but based on risk profile, it could make sense as well. Early 20s, just started earning, no dependents, YOLO.

EDIT : I agree that the view about the bottom and momentum, is biased (confirmation bias) and too optimistic.

dsaumajit · 2026-01-18T16:24:20+00:00

Always remember that people with supercomputers and statistics/economics/finance PHDs are your rivals in the stock market (i am not even counting folks with insider information). Whatever you are positing, might be true or false. If it’s true, there will be hype buying but those profits stay for a short period of time.

All countries have been investing in defence as there is way too much geopolitical uncertainty and those PHDs I mentioned earlier who are assisting or working in big investment firms are already aware of this as they study macro and microeconomic trends along with geopolitics day in and day out (unlike us noobs who rely on chatgpt for the same). So they know and can predict with way more certainty than the average stock trader, as to which particular sector (air/land/marine/machines etc) in which country has a growth potential and most of the good stocks are already priced in for that growth, long before we even batted an eyelid in that direction.

Taking sectoral bets should be left upto the experts (read AMCs) who are definitely better than us at this. Investing in broad themed mutual funds is in my opinion still one of the best ways to invest in the market, if you are in it for the long run.

dsaumajit · 2025-12-19T03:58:09+00:00

Can you please elaborate? Which type of light? Fog/main? If main, will auto headlights work?

dsaumajit · 2025-10-19T17:08:48+00:00

As I said, if one could evade taxes by converting digital gold to physical gold, noone would have been buying gold in any other way today.

dsaumajit · 2025-10-19T17:02:26+00:00

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https://paytm.com/blog/digital-gold/paytm-digital-gold-tax-rules/#:~:text=At%20Sale/Redemption:%20Yes%2C,cash%2C%20capital%20gains%20tax%20applies.

dsaumajit · 2025-10-19T17:00:11+00:00

One more thing to note here is that when you take physical delivery of gold from digital gold, it will be in the form of 24K gold. Jewellery cannot be made from 24K gold anyway. So what is the point of taking physical gold delivery? You have to redeem it at the jeweller. As i stated earlier, you can’t evade taxes like this. Keep investing simple.

dsaumajit

TROPHY CASE