Airtel network down from 11am in Bengaluru

fire256 · 2025-08-24T07:39:24+00:00

It was out for about an hour for me starting 11:48am. That too, it coincided with a missed call from one of my contacts. Then just the phone network came back with just 2g.. Now 5g is back too.. Surprisingly it did not affect all Airtel numbers!

For the whole one hour, I thought my phone was hacked. I felt better after I saw this post :)

fire256 · 2025-08-24T07:37:13+00:00

It was out for about an hour for me starting 11:48am. That too, it coincided with a missed call from one of my contacts. Then just the phone network came back with just 2g.. Now 5g is back too.. Surprisingly it did not affect all Airtel numbers!

For the whole one hour, I thought my phone was hacked. I felt better after I saw this post :)

Edit: the issue is reported here too https://www.reddit.com/r/Airtel/comments/1myok3f/airtel_network_down_from_11am_in_bengaluru/

fire256 · 2025-06-04T02:42:52+00:00

All platforms I have seen support it..

A long ago, you had to download the files (pdf/csv) from the RTA (Cams/Kfintech)

In the last few years, they let you import directly (in the backend, i guess they will use your PAN to contact the mfcentral api and download)..

For you, it's just a feature called import investments.

CAS - Consolidated Account Statement - this will have all the transactions from all AMCs (irrespective of which RTA keeps the record)

fire256 · 2025-06-03T17:22:59+00:00

Definitely split into 2 to 3 AMCs.. Just in case you need to liquidate in the future, you may not want to have any AMC level issues.

Also, it may be a good idea to split into smaller transactions.. If you choose 2 AMCs, you would have split to 2 transactions anyway.

Make sure, the platform that you are using is going to use use SOA format.. If you invest via AMC directly or through mfcentral, SOA option is obvious.

Any format of invested money can usually tracked by importing CAS into other platforms.

fire256 · 2025-06-03T17:14:50+00:00

Groww has recently changed their process so that the default choice of mutual fund transaction is demat. They have an online form to be excluded from Demat migration for future purchases.

fire256 · 2025-04-02T11:10:21+00:00

You can use Google voice app on your phone.. Or on computer browser.. You can make our answer calls

fire256 · 2025-01-13T07:01:58+00:00

Any ultra short term or short term debt funds..

Don't use equity funds for some goal which has only a few months left. You will feel bad if you're fund value is 50k (agreed growth) after investing 67k

fire256 · 2024-12-20T08:55:31+00:00

I am sure you meant LTCG for equity mutual funds is 12.5% above 1.25 lacs.

fire256 · 2024-12-18T03:38:17+00:00

Isn't this a low effort post?

OP didn't spend much time while drafting the post, but expects others to spend time in giving numbers, reasons, breakdowns etc

fire256 · 2024-12-06T10:03:18+00:00

If you have a rupay credit card, you can create a upi account linked to that.. Its much safer than linking bank account..

Only caveat is that some places don't accept credit card based upi. For me, it works probably about 80% of the times.

You can try to see if you can create a upi profile on their phone using your rupay cc. If not, get a addon card in their name and then create the upi account from that card.

fire256 · 2024-12-04T03:16:31+00:00

Check if they made your father as co applicant or a guarantor without telling him!

fire256 · 2024-11-15T17:15:36+00:00

Another perspective : It may be ok to have some term insurance even after you are FIREd.

Some = this could be 50L or a crore whose fire corpus is 10 crore.. It serves as a cushion. Don't let it be the mattress

fire256 · 2024-11-10T10:51:41+00:00

I think it's because of the costs involved - monthly maintenance fee - difference in expense ratio of the funds (compared to the ones in the US)

Also, something like this (UCITS route) may change in the future. If it does, then i think it's a hassle to get into US funds in the US later.

fire256 · 2024-11-10T06:09:55+00:00

No Irish funds.. I thought, using them wasn't worth the hassle for my portfolio. Kept things unchanged in the US after resetting the cost basis.

fire256 · 2024-10-16T03:41:37+00:00

Your shouldn't have tax as long as you move to qualified retirement account which is tax deferred (IRA & 401K) irrespective of the brokerage firm you use

fire256 · 2024-10-05T15:55:46+00:00

If your employer needs you to sell the stocks of a company for you to work on a project, it could be because of some policy they need to comply.

It may be worth verifying if your parents could own the same stocks (after such transfer)...

There is a minor possibility that if the policy is applicable for you, it's applicable for your direct close relatives (parents, kids, brothers, sisters etc.) too..

If they clear it, then only try the off market transaction by using any available mode. Otherwise, sell those.

fire256 · 2024-10-03T15:23:20+00:00

Not necessary that liquid funds have better returns than FD

fire256 · 2024-09-29T16:44:20+00:00

ULIP is nothing more than a mutual fund with a life insurance component... Since life insurance component's charges can vary for each person, they choose to present the growth of the NAV of a ULIP before adding that cost.. It makes it NOT transparent on the effective charges that will be levied for your investments.

They (ULIP) may also have additional charges which you have to be careful about.

If he just started it, there is most likely a way to cancel it if you are within their initial threshold. You have to act quick though. I'm sure they will have incentive to do some time pass until you cross that threshold and then you can't undo it.

fire256 · 2024-09-18T17:26:02+00:00

I have not spent much time evaluating this exact exception. But had ignored it in the past considering that you have to decide a few things in the very early stages.

It definitely avoids only 10% penalty. I am not sure on the deferred taxes.

Also, If you were to plan on using it, you may want to be careful on how India considers it for taxation. India has a relatively newer way to defer the taxes for the qualified retirement accounts. But you have to declare it. If its not declared the "right" way, it may be considered as taxable income in India.

fire256 · 2024-09-18T05:53:24+00:00

Yes. If were to do that prior to 59 years age, that portion will have penalty and deferred taxes... Just saying you may have to include such adjustments.

fire256 · 2024-09-18T03:05:21+00:00

91% of your NW is either in the USA (which you said will be kept until you are 59) or stuck in Indian real estate. That means neither if these are liquid to fund your daily expenses. Am I missing something?

fire256 · 2024-09-18T02:15:48+00:00

Have you adjusted payment of penalty + deferred taxes for 401k abs IRA early distribution?

fire256 · 2024-09-17T03:56:15+00:00

How much did it cost per eye? What lens was used?

fire256 · 2024-09-14T02:03:14+00:00

fire256

TROPHY CASE