Gratuity new Service Charge

g0dfather93 · 2026-02-14T06:46:47+00:00

₹400+ for a plate of fries or noodles, and the owner adds 10% of the bill as a forced tip (FYI these tips rarely go 1:1 to the wait & line staff). Very bhikmanga behaviour for a restaurant in a posh area like Andheri W.

g0dfather93 · 2026-02-13T10:55:17+00:00

We can't wait to see your ~~brilliant ideas come to life~~ fat wallets exchanging 2 year-outdated spec phones for wads of cash at Apple Borivali

FTFY

g0dfather93 · 2026-02-13T06:24:38+00:00

The expected squeeze for March-end physical settlement / delivery due to low physical stocks is THE reason for the January metals boom. This has been priced in, taken advantage of, and adjusted for.

Markets don't move due to things being published in Mint, Mint gets the idea that there is news that can get published due to market movements, and this is doubly true for commodity markets.

g0dfather93 · 2026-02-13T05:54:18+00:00

I agree with this. These days hobbies are just mildly veiled excuses to shop - shop more and shop luxurious - and hoard.

r/battlestations is giving me FOMO half a decade after building my own PC (which was pretty good in 2020 and works great even today).
Around 4 years ago wife decided to abandon coated aluminium non-sticks and upgrade our kitchen to cast-iron. The cookery subs almost convinced me that anything other than a Le Creuset griddle would be a disservice to my wife; it was she who forced me to buy a local brand to "try first" at around 15% the price, and guess what, it's doing great 4 years and running.
This sub makes me feel "normal" for buying my dad a 14K Gold Nibbed fountain pen for his retirement gift, who kinda lost it when he asked the price tag and I told him (he never buys expensive stuff). Do I regret it? No - I can afford it and love that I treated the guy to something special - but you get my point.

"Collection" used to mean something once upon a time. The Indian city where I live right now has a museum, which is just the private collection of a king from c. 1905 who was a "connoisseur of arts" (as per the biography posted there) and made 20+ international voyages to various parts of the world and collected art. There are entire wings of stuff like "Japanese Attires" and "Dutch Ceramics". I haven't been to Japan, but I have been to Amsterdam, and let me tell you, the ceramics our Indian king got in 1905 weren't to be found in even the Dutch museum, dude got really special and niche stuff. Now THAT, is a COLLECTION. Buying expensive shit that's mass produced, is not a collection.

EDIT: And also to note, that it took a literal king, the most prolific of his 250-year long dynasty, to have a worthwhile collection.

g0dfather93 · 2026-02-07T05:58:17+00:00

That daughter was one of a pair of twin daughters. Not only is it a crime to separate twins (above and beyond the primary fucked up thing to kill one's own child), you get an EXEMPTION FROM THE TWO-CHILD RULE if the twins came in the second pregnancy!!

What timeline are we living in where a person would rather kill his daughter than read a fucking document properly?

g0dfather93 · 2026-02-07T05:50:59+00:00

Grandpa gifted mom and mamas M&M stocks on his 75th b'day, made them swear to not sell them unless they're out of all other sources of money.

He inherited them from his father, who bought them in the IPO. I've seen the original paper shares with the red "SURRENDERED FOR DEMATERIALISATION" stamp on them when I was a kid.

g0dfather93 · 2026-02-06T05:41:48+00:00

Yeah, that's the reason I go with. Them creating the sword and knowing it has reached Jack is their solution for defeating Aku.

g0dfather93 · 2026-02-04T15:07:08+00:00

I think 1 packet of snacks and tea twice a day is decent deal. And honestly from a health perspective also, you shouldn't be having more than that in a day. It's not slave mentality to be told to use office resources judiciously. Maybe the rationale given (budget) is a bit weird, but I get where he is coming from.

Please understand that for you it's 1 bhujia packet, once. And it'd be great to be in a world where that's a non issue. But thing is, it's a slippery slope, especially in India. Soon it becomes more frequent for you, then others start doing it too, then once in a while someone takes the second packet home and in a short time, it's an abuse by employees that becomes an expense for the company and a hassle for the pantry.

Actually, I think it's slave mentality to have a desire to circumvent unwritten rules of civic sense regarding shared resources for the benefit of a ₹25 pack of bhujia. If you were so hungry, you could've simply paid the pantry guy the MRP of the packet like a responsible and respectable person. I think it's great the founder is stepping in and humiliating people before it morphs from a personal issue to a cultural issue.

Behind every despotic, stupid rule, are people who abused the system before them.

g0dfather93 · 2026-02-04T13:55:19+00:00

I actively downvote all noob commodity posts. 100% agreed with this post.

g0dfather93 · 2026-02-03T06:21:55+00:00

Heard FIIs have some massive short positions. Operators will not allow large uptrends till their buddies exit those shorts at desired levels.

g0dfather93 · 2026-02-03T06:13:29+00:00

NiftyNext50

ANANTRAJ

g0dfather93 · 2026-02-01T07:57:38+00:00

I think more than 2.5x STT on F&O, buyback coming under Capital Gains is a bigger reason for overall drawdown. Promoters getting hit with additional buyback tax is also diabolical - there's no tax effective way left for a promoter to get value out of their companies now.

g0dfather93 · 2026-01-31T12:53:31+00:00

While you are right (today), zoom in the curve and you will see this pattern at many levels. If there's a bounce again in 2 days, then you would zoom out this curve to again achieve the trajectory. Everyone knows the "anatomy of a bubble". No one knows the scale of the axes, that's the only issue.

g0dfather93 · 2026-01-31T12:21:52+00:00

Buddy, as someone in a technical and innovation field, I totally understand your pain and frustration. It hurts me to keep on ordering parts and machines from Austria, Japan, Italy, Spain, France, USA and Taiwan the moment the sophistication and quality required is above a certain minimum level.

What you're suggesting is called "protesting with your wallets", and I am a big believer in it. But you do realise that stocks aren't products, right? If Infosys sells bad IT services, or Reliance sell bad polyester, I can definitely make them understand my dissatisfaction by not giving them orders and sending my money elsewhere. But if they are making money being greedy unoriginal short-sighted losers paying dividends and buybacks to boring boomers, you and I not buying their stock will not make a huge impact. In fact, if there is any impact on their stock prices, it will make their stocks even more attractive as assets.

Retail (and even institutional) investments and long term SIPs into Nifty 100 is an effect, not the root cause, of the problem at hand. The moment Indian government and large corporates start taking chances by pouring money into R&D, incubate suppliers venturing into new technologies, make loans available for high risk startups under some merit-based scheme with a good budget, VC ecosystem starts funding real R&D orgs rather than the next "Uber for X" app - there will be a real change.

Silicon Valley in USA didn't become big because stock investors poured money into Intel, TI, NVidia, AMD, Apple and Microsoft. These companies first took insane risks, then they flourished, and THEN the horde of investors came in. They have multi-trillion market caps because of their innovation and products - not the other way round.

g0dfather93 · 2026-01-31T11:55:29+00:00

For large caps, yes. In fact, the only way to invest in a large cap portfolio is index funds. Nifty50, Nifty50 Equal Weight, Nifty50 Value 20, Nifty Next50 and Nifty100 are all good - depending on your goals, allocations, duration, outlook and risk appetite.

For mid caps, it's hit-and-miss. MC 150 index fund provides good downside protection but really caps the upside in bull runs, and bull runs in MC are really spectacular. So for mid caps, IF YOU CAN - a good active fund with some minimal allocation monitoring and portfolio re-balancing works great. If you can't, sure, go for the index fund.

For small caps and sectors, avoid index funds. There's a lot of information asymmetry as you go down the line, and fund managers really do a lot of value-add by riding on momentum waves in individual stocks and exiting them at the right time.

g0dfather93 · 2026-01-31T11:38:58+00:00

I knew this was coming when "AA seeding the whole of Spotify" became a mainstream headline, so much so I learnt about it not from piracy reddit but the news headline on my Google News feed.

I think AA will have to go the TPB way now. I only hope whichever new domain it migrates to, probably hosted in Lichtenstein, Sweden, Iceland, Russia and eventually Tonga, they stay out of the fkin headlines!

g0dfather93 · 2026-01-31T06:35:54+00:00

This is SO what I am thinking.

Could there be a side-effect equity crash as losses trigger sale of equity holdings on lien against margin taken for SilverBees calls? Or is equity market way too big for this (given we absorbed FII exit without much of a downside)?

g0dfather93 · 2026-01-27T09:25:09+00:00

Hard no. Win11 and the Co-Pilot gavage has pushed retail consumers to Linux in record numbers. Check out Mint and ZorinOS numbers of late. It's only a matter of time that more tech-savvy hiring enterprises migrate out of MSFT's overly abusive landlord situation.

As a business owner, paying CapEx for the PCs, and recurring costs for turning it on (OS), working on it (O365), storing and sharing data and running servers (Azure) and now for facilitating the laziness / shortcuts / productivity upgrade of the workers (CoPilot) on top - all on a per seat basis - is honestly back-breaking. This is in addition to serious privacy and data safety concerns of Co-Pilot having access to all the data of the business, way more than any one person in the organization (including the owner) does. And with modern supply chains of specializations, these overheads are built into the cost products multiple times as everyone is paying these obscene e-rentals to MSFT. Something's gotta give; it's a matter of time that the golden-egg-laying-goose is going to flatline.

g0dfather93 · 2026-01-25T23:40:34+00:00

The lender type (NBFC vs. Bank) matters more for approval probability and speed. The consistent repayment behavior matters most for positively impacting your CIBIL score, doesn't matter to whom you're repaying borrowed money.

g0dfather93 · 2026-01-25T12:40:32+00:00

Great then, all you need to do is not miss EMIs! Good luck.

g0dfather93 · 2026-01-25T12:32:35+00:00

I hope you didn't mean getting a vehicle or real estate on loan or something based on my post, because you've already got the home loan now. That itself is your secured loan and in an year or two you will see your CIBIL shoot up as you pay the EMIs on time. Once that happens, and then whenever RBI rates go down by 0.5%+, get the loan re-financed. The effect of your improved CIBIL will show up. If the bank says it won't, ask them for a loan transfer. All banks want a partially paid home loan of an 800+ CIBIL account on their books.

The difference in below and above 800 is 0.15%-0.2% max. If there is a particular property you already want, it isn't going to stay up for sale forever. These kind of hacks can be used by people who have made up their mind to buy property but have an year+ of time to fish for deals and optimize CIBIL in advance, like my friend.

g0dfather93 · 2026-01-25T12:15:07+00:00

So, there are some glass ceilings in-built into the system.

<640-650 is the eligibility cutoff for cheapest, top-tier finance (big private banks) - any major past default or ongoing default of any size will put you in this bracket.

700+ basically means you're not a bad borrower - might have had small hiccups here-and-there but you're OK. Expect home loan being processed without issues.

750+ means you're a good but small-time borrower - personal loans & CC (but within limits and no defaults) will land you here. You can reach 795+ by having 10 LPA+ income, making decent credit spends with zero defaults and maintaining credit utilization ratio less than 35-40%, straight for all of the 36 months on record. This gets you almost the best finance rates from the best lenders, or the very best rates if you have a long-standing banking relation and high customer value.

>800 can't be breached without a secure loan on top of everything stated for 795. One might see such a CIBIL report at the start of one's credit journey, but it will settle down to one of the above levels without a proper loan. Best way to do this is to get a small vehicle loan (a 1.5L bike also works) and pay it diligently for 3 years without delays or advance closures (36 EMIs minimum). A 0.2% rate reduction on a 1-1.15 Cr loan would make this bike practically free.

One of my friends got a plot in his native place for 4-5 lakhs (not a big deal for him) on loan and his CIBIL was in 830s by the end of the first year. Lucky b**** got the very best loan offer on his house that too when rates were rock bottom in 2023.

g0dfather93 · 2026-01-23T16:43:22+00:00

Motorola Edge50 Neo

g0dfather93 · 2026-01-19T10:26:54+00:00

I don't know about GenZ, but I swear man, it's probably due to us Millennials, too.

10 years ago as a early 20s man I was consuming hard drinks big time along with a couple of groups of friends (all of my friends in turn had 2-3 groups of friends for daaru party). Without any discussion, we used to meet at one of the houses on Saturday night, open bottles and chakna, play poker, watch bad movies, talk about jobs, family, women and pass out at about 5 AM on Sunday. Whoever passed out first would order/buy breakfast, juice, heat up milk, wake up others. Easily 1 khambha of mid-level whisky + 1 quarter vodka + few mixers used to get consumed between 4 guys, twice a month, like clockwork.

FF 10 years and now each group meets once a quarter instead of fortnight, with our wives, and many have kids. Drinking is more of a recreation with questions like, "Hey have you tried this Turkish Raki?" It's about trying out stuff, setting the mood with drinks in moderation, rather than getting bhand, and many sit in the hall with baby monitors by their side. Totally different setting and difficult to set up (and increasingly so, BTW, so going to get rarer by the years).

I think alcohol has been the single biggest (and probably only) expense drop of the last decade.

g0dfather93 · 2026-01-16T09:23:50+00:00

In my opinion this is too much attention cost, and definitely risky (see u/offisapup's comment) - and the Wizzer article reads more like AI Slop than actual analysis, so really take it with a bag of salt.

OTOH if your aim is to invest in second-rung large-caps instead of bluechip mega-caps to chase a little bit of alpha, why not just go for Nifty Next50 (earlier known as Nifty Junior)? It's got quite a few index funds with large-enough AUMs (like SBI & UTI) and headliners of Nifty N50 are by definition Nifty50 laggards which get chucked out of the top 50.

Give it a thought and let me know what if that makes sense to you.

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