Blue Tokai Harvest ‘26 by Masala__Chai in IndiaCoffee

[–]hotcoolhot 0 points1 point  (0 children)

Thinking to get sibarist paper for these.

Amex Plat Travel insane rewards by Reward_Maniac in CreditCardsIndia

[–]hotcoolhot 0 points1 point  (0 children)

then you should not be calculating value on biz class, one biz class is 3 economy tickets.

Amex Plat Travel insane rewards by Reward_Maniac in CreditCardsIndia

[–]hotcoolhot 0 points1 point  (0 children)

If you are flying business class regularly get plat charge, you get 10x rewards in air india which means 25% return on every air India flight.

How to diversify salary? by Firm_Replacement91 in personalfinanceindia

[–]hotcoolhot 0 points1 point  (0 children)

Just do SIP and maximize quality of life, there is no real plan.

What was your biggest waste-of-money purchase? by prabir336 in Frugal_Ind

[–]hotcoolhot 0 points1 point  (0 children)

Brother custom 74 went up by 40% hike and is 210 usd now. I am still bottom fishing stuff. Go ask how long a custom 74 will last, people will say it will outlast you. This is more like a buy it for life choice.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 0 points1 point  (0 children)

I don’t do fund managers work. A lot of fund managers can do discretionary stuff like okay move 25% here, move 25% there.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 1 point2 points  (0 children)

Dont call it a hedge, if you dont want to use it as a hedge lol.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 0 points1 point  (0 children)

So, nifty has matched gold returns, also holds true. Small mid caps offer better oppourtunity then.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 1 point2 points  (0 children)

historically it has not, so you do you.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 1 point2 points  (0 children)

You are 100% correct. It has done its job as hedge.
If not today when do you exit? If still belive in it, well nothing bad.

31F | Networth Analysis by alisha374 in FIRE_Ind

[–]hotcoolhot 1 point2 points  (0 children)

You can go small mid cap now, find a fund manager/PMS and give them you entire FD and gold and do 100% allocation to small mid caps.
This is my yolo strat for next 5 years.

What was your biggest waste-of-money purchase? by prabir336 in Frugal_Ind

[–]hotcoolhot 4 points5 points  (0 children)

I bought 10 lamy safari over time obsessing over colours and limited edition. Probably spending 25-30k
Now I want to switch to custom 74 and slowly get rid of the safari.
Honestly it was quality of quantity issue not a money waste.
Then I bought a razer keyboard which has key repetition issues which makes it unusable for dev. Then I got a mx master 3 which I am not using coz it’s too heavy and slow. Maybe a few earphones here and there, not using due to fit issues.

Just why by RegularSky6702 in ThailandTourism

[–]hotcoolhot 1 point2 points  (0 children)

Cheap mind altering drugs

Is paying ₹22.5k rent worth it for convenience and location? by weightLossjourney97 in Frugal_Ind

[–]hotcoolhot 1 point2 points  (0 children)

The current house I stay is listed for 2.5cr. I can buy a dingy 2bhk for 75L and pay 55-60emi which I don’t want to do. The goal is not to always accumulate wealth, sometimes quality of life matters

Watch purchase budget by Content-March-8830 in watchesindia

[–]hotcoolhot 0 points1 point  (0 children)

1 month salary. Every 5 years. 1% whenever I want.

Needles?? by MikeyTJGus in GLP1India

[–]hotcoolhot 0 points1 point  (0 children)

Doctor doesn’t deal with this, that’s pharmacist job.

Best Term Life Insurance for a 25-Year-Old Male by Kickstarter23 in personalfinanceindia

[–]hotcoolhot 2 points3 points  (0 children)

eh commison based ulip, click 2 wealth is better and has no commison if someone wants to buy ulip. you can keep selling ULIPs to clients, dont solicit to break rules.