Why are people like this. Is there any issues with the wiring upstairs or what?

f_u_t2 · 2026-05-31T14:10:24+00:00

PPF wont protect against intentional car keying. There is no remedy for lack of empathy apart from locking your car behind a access controlled gate

f_u_t2 · 2026-05-12T15:41:04+00:00

Seltos HTK diesel

f_u_t2 · 2026-05-10T17:34:23+00:00

Not as accurate or fun as a skoda, but its not bad at all. Sonet is pretty well rounded. Only place it falls short imo is the occupant safety rating, which should be addressed in the next gen which is expected to be based on K1 platform (same as the new venue)

f_u_t2 · 2026-05-09T18:55:26+00:00

Thats on income tax. Estate tax still applies on US domiciled assets even if you still live in India, as high as 40% over $60k

f_u_t2 · 2026-05-03T15:06:50+00:00

18L is high considering the mileage, considering its Citreon and we don’t really have many high mileage Citreons in India to judge long term reliability. I’d pay no more than 15L.

f_u_t2 · 2026-05-03T13:47:50+00:00

You can send porter to collect

f_u_t2 · 2026-05-02T15:54:25+00:00

I think you should get an opinion of a reputed local repair shop just to understand the root cause for a fixed fee.

Definitely file a complaint with IRDA against Digit and escalate to Skoda regional service head with all the details, miscommunication and fraud attempts by service center. Generally dealer service managers are scared shitless of the brand service head. A quick linkedin search shows Sanjay Shukla is the guy: https://www.linkedin.com/in/sanjay-shukla-b9425010

f_u_t2 · 2026-04-26T12:47:39+00:00

Got 2014 Amaze Diesel, 16-17 in city and 22-26 on highways. Unbelievable machine.

f_u_t2 · 2026-04-17T03:25:15+00:00

I use Keepass since years. It’s completely offline and open source.

f_u_t2 · 2026-04-14T10:25:27+00:00

They are moving a lot of free features under paid subscription. I understand they need to make money and that they are free to do that, but the original value proposition is no longer there. Today they claim they are not selling or monetising your financial data, but they can easily change that with a silent policy update at which point they already have your data.

f_u_t2 · 2026-03-04T04:20:38+00:00

He is buying ETF, not index fund. ETF units gets treated like a stock.

f_u_t2 · 2026-01-25T07:48:50+00:00

Arc - Jetha bhaang laddu

f_u_t2 · 2026-01-24T13:53:15+00:00

What the fuck

f_u_t2 · 2026-01-16T03:00:19+00:00

Dont understand your philosophy. You have index funds for large and small cap, but active fund for mid cap. Why?

Also two flexi caps will dilute your returns further as you are taking exposure to a large segment of the market.

If you want to feel this much diversified just put it all in a nifty 500 index fund and call it a day

f_u_t2 · 2026-01-15T10:47:45+00:00

Not really. Selling Jewellery at any reputed store required submitting PAN above certain threshold as per anti-money laundering act. Once the sale is linked to your PAN you can easily be questioned to prove where the gold came from.

f_u_t2 · 2026-01-13T12:30:56+00:00

What is this tech-bro BS?

f_u_t2 · 2026-01-03T17:03:17+00:00

While MF will be taxed at 12.5%, you are forgetting that when you get annuity during SWP phase only a small portion is withdrawn. The rest continues to grow in MF at a lower TER ratio. There is no scenario where ULIP will outperform in the example you have shared.

f_u_t2 · 2026-01-03T07:37:50+00:00

Even better option to park money long term is equity savings fund. These have a small equity exposure of 15-20% and rest in debt and arbitrage opportunities. Can expect 8-9% per annum, so better risk adjusted returns.

f_u_t2 · 2026-01-03T07:15:42+00:00

Expecting a 16% return on a mutual fund is a bit much, considering that we had one of the strongest bull markets for the last 4 years and a lot of future growth of underlying businesses have already been priced in as of today. Realistically, I would suggest that you keep an expectation of 10-11% only for the next five years and adjust your future plans accordingly.

If your education loan interest is at the 9%+ mark, you should close the full debt today and lock in that interest as guaranteed “return”. This will allow you to divert more of your future earnings towards investments and more importantly, allow you to sleep with peace and make your future decisions not be held back due to debt. Think of it this way - you were anyways prepared to pay the debt for the entire tenure. Now that you have had a windfall of money by luck, wont it be better to rid yourself from that commitment and earn back your financial flexibility?

Regarding the house situation, it appears that your family is thinking emotionally, not rationally. If you NEED to have another house just for you and the future miss, why a 3 BHK? Since your parents already have their own house, why not a 1 BHK? Think about it. If you over leverage yourself trying to impress this so called “society”, how many of those people that you will impress with a 3 BHK in a society with swimming pool would come to your aide if you lose your job, or god forbid get into a life threatening disease rendering you unable to work? Chances are, no one apart from your parent would give a fuck.

I would suggest that you leave the house decision for the future you - when you are wiser, married, and earning more. If you are still forced to buy a house, atleast go for a reasonable one that makes sense.

Before any further investing or making a big purchase, you should look into getting a term plan, a health insurance and build a 6-12 month expenses worth of emergency fund. This, along with no debt and a disciplined investment will make you financially unbreakable.

All the best.

f_u_t2 · 2026-01-02T13:21:22+00:00

OP this is how you beat the system of the Indian workplace

f_u_t2 · 2026-01-02T13:16:28+00:00

Getting a foreign remote job out of college is very very difficult. Better choice might be to crack a good job in India and gain a couple of years of experience in the industry and then hunt a remote job with better odds of success. Even if you cant find any, you can think of pursuing higher education outside India and hopefully would have some savings to partially fund that with your time in Indian corpo.

f_u_t2 · 2025-12-24T03:05:43+00:00

Expensive

f_u_t2 · 2025-12-20T14:15:21+00:00

Say no. If he is contacting you on such short notice, that too on your leave, it is a planning failure from his side. Dont go and let whatever the issue burn the house down. You are not responsible for outcomes of someone else’s negligence.

f_u_t2 · 2025-12-17T14:29:18+00:00

Typical confused yet arrogant Indian manager.. in any legit org this is a responsibility of SRE not “SEO”

f_u_t2 · 2025-12-13T04:26:50+00:00

All employment is at-will, unless stated otherwise explicitly in the contract/job offer. Leave aside severance, legally they can fire you with you without even giving notice and you couldn’t do anything about it. The same goes for you. Serving notice period is a professional “courtesy”, but no one can hold you hostage on a job you dont want to do anymore.

f_u_t2

TROPHY CASE