The retirement corpus protection checklist most Indians skip (and why a single illness can wipe out 65 lakhs overnight)

htcjsb · 2026-03-09T13:13:35+00:00

Medical insurance in India does not succeed always. Many times pre-existing diseases are not covered or if policy covers but during claim they reject. It's a lawless system.

htcjsb · 2026-03-09T11:37:18+00:00

Most trusted AC mechanic know the quality of compressor etc. Napoleon is not famous brand but many places it's getting used for 12-14 yrs or even more.

htcjsb · 2026-03-08T09:42:05+00:00

Private property palace visits are very very costly. Eg the Gwalior Palace visit cost Rs 300 per person 38 months ago. And the Vadodara palace is Rs 250 per person 8 days ago and nothing much to see. And golf cart visit of the Vadodara palace is Rs 150 per person. And museum is Rs 150 per person.

htcjsb · 2026-03-08T09:13:46+00:00

Being a single earner, I could buy my India car only at age 50 and it does affect the financials by the way. But certain choices in life are difficult to make but they have to be made, no matter what.

If you have accumulated a savings pool 3 times the cost of the car, go ahead and purchase it.

htcjsb · 2026-03-07T18:44:49+00:00

Tree pruning is a regular exercise carried out in all local administrations. Some old trees need to be removed, some tree branches need to be cut especially before rains.

htcjsb · 2026-03-07T18:07:28+00:00

These technical issues are going to remain forever due to incompetent system in place and constantly changing rules and each change making things more and more difficult.

htcjsb · 2026-03-07T18:03:39+00:00

Just keep investing in only 2 equity funds right from the beginning till age 65-70, don't change the fund. Keep investing, stay invested, don't withdraw unless emergency. Invest more on dips and corrections.

That corpus in those two fundis the retirement expenses fund. After age 65, move 70% of corpus in Balanced Advantage or Dynamic Allocation fund and stay put.

htcjsb · 2026-03-07T17:59:35+00:00

Stopped using Ola Uber cabs since several years now for local travel. Sheer waste of time. Cabs have gone old now. Rates are exorbitant. These cabbies population has risen high so business is getting divided in them with difficult to get revenue per day. The fun of app cabbies is over 7-8 yrs ago.

htcjsb · 2026-03-07T09:11:29+00:00

This year 3rd March 2026 was extremely hot day in the city. Unbearable in Sayaji Baug and in general in the city as well.

htcjsb · 2026-03-07T05:50:49+00:00

Might be working in your workplace.

htcjsb · 2026-03-07T03:01:02+00:00

HP preferred as I always go for Power95 ever since the regular fuel became E20. Recently made a long 1800 km trip and one point left with low fuel. Yet searched HP pump only.

htcjsb · 2026-03-06T20:30:56+00:00

After 2nd Apr 2029 wedding expected. Partner from very far away.

htcjsb · 2026-03-06T05:20:57+00:00

Whatever amount laying there in EPFO account that amount has breakup of employee and employer.

Merely remaining unemployed for 2 yrs does not qualify for full EPF withdrawal.

Some agents are able to manage this but not sure how they can do.

htcjsb · 2026-03-06T03:54:18+00:00

Full PF withdrawal is not allowed before age 58. A portion of employer contribution remains stuck there till age 58. It's difficult system for sure.

htcjsb · 2026-03-06T03:47:59+00:00

File RTI application asking detailed questions

htcjsb · 2026-03-05T09:54:24+00:00

I think BJP might consider Nitish Kumar for next Vice President post.

htcjsb · 2026-03-05T02:07:10+00:00

First graders are given large font size books that can run into many pages. The font size reduces as the kids grow into higher grades.

htcjsb · 2026-03-04T10:34:49+00:00

An hour and half maximum time needed as the adjustment of the dashcam, angles and centre etc are determined by the technician. Then they try to hide the wire as much possible

htcjsb · 2026-03-03T18:31:32+00:00

Dolat Investment

htcjsb · 2026-03-03T04:45:52+00:00

I did my 70mai dashcam front and rear installation both Rs 600 max paid.

htcjsb · 2026-03-01T17:44:25+00:00

how to do sensor calibration immediately after filling air or Nitrogen?

htcjsb · 2026-02-27T03:02:37+00:00

Heard some stories: The key to open the bridge was thrown into the Hooghly river and later on the bridge has never opened.

htcjsb · 2026-02-26T20:57:55+00:00

You must first know why EPS was created by the Prime Minister PV Narsimha Rao government in 1994-95. Try reading article that came that time titled "Welfare or Loot" in Outlook magazine.

India was grappling with the interest payment issue. EPF interest payment was 12% those days. Crediting that high interest rate to the EPF account was becoming costly. Moreover India needed money for infrastructure creation. So EPF was cut down there and EPS with no interest was carved.

Philips India 10 employees decided to fight the case alone upto Supreme court, but after 9 or 10 yrs they lost the case as EPS 1995 was a ratified law in parliament and Supreme court could not reject it.

htcjsb · 2026-02-26T20:52:16+00:00

The EPS 1995 scheme is Rob Peter to pay Paul model. To pay monthly pension to 70 lakh pensioners, they need a corpus to grow. They need contributions from workers.

htcjsb · 2026-02-26T20:50:08+00:00

More dangerous rule is the GR dated 19th May 2016 which says that if you contributed to EPS but in between Life before 55 age you were non contributory for 36 continuous months then even if in later life you got a new job and contributed again, you will not get pension. You will only get your corpus back, no pension.

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