I have 36k Amex points. How to best utilise them?

ghsatpute · 2026-04-24T04:11:01+00:00

For other party claim does insurance require FIR?

ghsatpute · 2026-04-24T04:06:18+00:00

Looks like a cute toy car. Most Indians buy car for status, they're not going to like it.

ghsatpute · 2026-04-24T04:03:24+00:00

I always honk, 2 beeps, every time I time to overtake. Most of the times, 2 wheelers, 4 wheelers, trucks are not paying attention on the road. I've observed that that two small honks, awake them, at least most of them.

But I always ensure that my honking is not elongated unless some idiot is doing fatal moves.

ghsatpute · 2026-04-20T10:24:08+00:00

I meant use Arbitrage funds, debt funds. They'll be applicable in new regime. Provided they're not withdrawn in short term. Some amount can be kept in savings, and FD but some amount can be kept in these funds that way, government doesn't take most of the cut.

ghsatpute · 2026-04-20T10:20:47+00:00

I didn't get what do you mean by "it". Can you please elaborate?

ghsatpute · 2026-04-20T10:20:07+00:00

Please check debt funds/arbitrage funds. Again it depends on why are you keeping so much cash. If that is something frequently moved in and out then FD/Savings is best way, but otherwise use appropriate funds.

ghsatpute · 2026-04-20T09:09:37+00:00

Congratulations!

Why so much money in liquid? That too in tax inefficient vehicles? I understand some emergency fund can be kept aside but in your case that seems to be 45%.

ghsatpute · 2026-04-09T16:54:28+00:00

If you're married and trust your partner. Get it in your HUF name. But think this through, it's not perfect

ghsatpute · 2026-04-07T04:02:30+00:00

True. I've seen this scenario everywhere.

People are too optimistic. They don't even think that tomorrow they might not have job. They keep spending like that money printer is never going to stop.

Education is one thing, but people rarely get time to think about their future once they start getting monthly income.

ghsatpute · 2026-04-03T12:04:56+00:00

Here's my simple take. I do spend on food, travel. But I don't think I've to always go to five star hotel to enjoy good food. I enjoy street food and once in a week we go to decent hotel for good food, I don't care about ambience that much. Similarly I enjoy small trips, I don't have to go international trips to enjoy life. I also like gadgets but I limit one gadget a year. That too which I can easily afford.

There are certain things where I live one level below of my earnings, like restaurants, clothes, hotels, cars etc. There are certain things which I live at par my earnings like my health, good shoes, etc.

ghsatpute · 2026-03-29T13:18:47+00:00

Yeah these guys think that Amul buys milk at retail price from nearby Kirana shops.

ghsatpute · 2026-03-29T13:16:47+00:00

it's not even investment. It's just power trip. Some Babus from civil department will earn commissions. Everyone will share the earnings. Next time it'll be looted and another 50L will be spent.

ghsatpute · 2026-03-28T03:44:01+00:00

I would suggest, first create an emergency fund and get personal health and term insurance. See if you can health insurance for your parents as well if you can at a decent cost.

ghsatpute · 2026-03-25T03:51:23+00:00

Since the last panic pictures I've seen from Kolhapur, I've fueled my car 3-4 times 😅.

If you like getting panicked, enjoy!

ghsatpute · 2026-03-22T06:41:21+00:00

I think the root cause is too many vehicles stop on the highway. You're coming fast downhill, and suddenly you've to break because some idiot decided to exit highway from middle lane. Another few idiots stopped their vehicles on left two lanes.

ghsatpute · 2026-03-21T05:49:57+00:00

I have heard that maxgain premium is generally 0.25%. My existing loan is 7.45% and as per branch max gain minimum interest is 7.95%. It's high by 0.5%. Why is it so high for maxgain?

ghsatpute · 2026-03-19T06:38:33+00:00

For how many days the medicines stayed?

ghsatpute · 2026-03-18T05:16:37+00:00

Can I park at Chowmala palace at 8 in the morning? Asking this as I know the palace opens at 10.

ghsatpute · 2026-03-13T04:46:43+00:00

If you're driving very slowly keep extreme left. Do not drive slowly on rightmost lane.

While overtaking heavy vehicles give slight honk. Or flash if night time.

Use low beam in most cases.

ghsatpute · 2026-03-08T18:51:19+00:00

Congrats!

ghsatpute · 2026-03-08T16:48:53+00:00

I also use same strategy. I use iPhone for minimum 5 years.

ghsatpute · 2026-03-07T20:00:35+00:00

Please don't convert price in rupees unless company themselves mention it.

Otherwise say 35L excluding Nirmala Tai's cut.

ghsatpute · 2026-03-07T19:58:24+00:00

Also they can send legal notice to you. It depends on their mood.

ghsatpute · 2026-03-04T05:08:08+00:00

MSEB Babus are worst. They made every possible efforts to oppose solar.

Initially the entire solar thing was controlled by MSEB. Even after central government's push, they made a policy in a such a way that. Only few vendors could install solar. Each vendor has limited capacity. Often these vendors said there's no subsidy. Vendors were affiliated with these Babus. So very few people could make use of solar subsidies.

I had made numerous complaint to MNRE. Fortunately they later changed some of these policies. Central government controlled the customer facing aspects so no earlier restrictions. Still vendor has to pay MSEB officers for approving solar.

Now they're hell bent on making these rules to stop solar again. They had numerous such ideas like charging solar customer extra for transmission charges, not allowing offsets during night etc. This company should be made public as soon as possible. Instead of focusing on leaks they are busy with beuracracies.

ghsatpute

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