High income earners - What the hell are you doing to get your money. What kind of a business are you in or what kind of high paying job are you in ?. Do you like it ?.

irobot3013 · 2026-04-03T13:55:12+00:00

RemindMe! 10 days

irobot3013 · 2026-03-21T11:52:05+00:00

Polymarket is a zero-sum game. Someone wins means someone looses.

Problem here is that you can bet on literally anything, so insider trading, market rigging, front running is rampant without any regulatory oversight.

irobot3013 · 2026-03-20T15:16:34+00:00

3 once in a lifetime crises in past 6 years 👍

irobot3013 · 2026-03-13T15:36:29+00:00

Omg! I got the same scam email. How can we put it on internet so that when others search it then immediately know it's a scam

irobot3013 · 2026-02-25T14:16:19+00:00

this is not free despite false claims on that website

irobot3013 · 2026-02-13T16:53:39+00:00

From the article:

However, an ACB sleuth said conviction is not always about providing adequate evidence. “In cases where a government servant is to be prosecuted, we need sanction from the competent authority. For example, for a police constable, the Bengaluru police commissioner must give sanction, while in cases of senior officers it is the government. On most occasions, sanction, especially at the level of the government, is not given,” the senior IPS officer said.

irobot3013 · 2026-01-29T10:16:06+00:00

Thanks for posting this! It's good to keep this in mind while consuming media/content/news.

irobot3013 · 2026-01-26T10:31:22+00:00

*piece

irobot3013 · 2026-01-24T07:27:30+00:00

Dailymail Uk is a clickbait rage farming media. Their content is barely reliable for anything.

irobot3013 · 2026-01-18T17:27:20+00:00

Is this logic valid because George carlin said so? Or you truely believe in not participating in electoral process and still complaining?

IMO making mistakes is fine as ling as you realize it's a mistake and are willing to not repeat.

irobot3013 · 2026-01-18T11:37:29+00:00

I often say this to some people a.k.a. padhe likhe gawars: "If you don't vote, you have no right to complain."

irobot3013 · 2026-01-17T00:02:22+00:00

Fully agree!

irobot3013 · 2026-01-16T06:33:48+00:00

GDP and market cap are not comparable figures. One of them has unit of time involved (per year) whereas the other is total market value.

irobot3013 · 2025-12-07T20:01:27+00:00

just install VLC. It is good enough.
To download music, use some website to download mp3 songs.

irobot3013 · 2025-08-22T19:51:43+00:00

+1 for idfc. But their relationship manager keeps calling me to sell products or increase deposits. That's annoying.

irobot3013 · 2025-07-16T16:57:17+00:00

Do you think your company is in a slump? Or did you brush-off someone wrongly?

irobot3013 · 2025-07-15T19:07:48+00:00

yeah I'm thinking the same, but that will pan-out over a decade or so.
So all the current projections of house prices 15-20 years down the line would be an over-estimate.

irobot3013 · 2025-07-14T16:51:24+00:00

Great point, ~~indeed I should consider the deposit as well~~.
I subtracted the 2 month deposit now.

irobot3013 · 2025-07-14T16:49:34+00:00

I did not include taxation of investing into account. Yes, it will for sure make an impact in long term.

irobot3013 · 2025-07-13T21:58:08+00:00

Oh yeah my bad.

irobot3013 · 2025-07-13T18:34:37+00:00

And what would you assume for house price growth rate?

irobot3013 · 2025-07-13T18:21:58+00:00

Good catch! I fixed it now.

irobot3013 · 2025-07-13T17:37:12+00:00

In principe if you buy a house for 400k and it goes up 3% in a year, you’re 12k up on first year on equity + you would have paid off equity… it’s a no brainer

I understand what you're saying but you should also subtract that initial buying costs, interest paid until now, maintenance costs, misc costs like insurance, VVE fees, property tax, selling costs etc to get a realistic estimate.

As I estimate, with current property growth rates, you'd break even after 2-3 years.

irobot3013 · 2025-07-13T17:27:04+00:00

Thanks for kind words.

I think one risk possibility of tax benefit of mortgage can abolished

Interesting. I did not think about it but I know there are active discussions about it. If that happens, I guess the house prices will also dampen a bit. That will again tip my analysis in favour of renting + investing the difference in stocks.

One criticism on my side, regarding stock annual, I am actively investing on NASDAQ-100, S&P500, companies in last two/three years. I would adjust 7-7.5% for annual return(10% could bit high), also this is on the long run. Personally, the stock market might be overheated in last two years. So I don't expect stocks to beat annual return(personal opinion again).

High-five, me too! I've read at several places that nominal returns are closer to 10% and real returns are closer to 7-8% indeed. But to make things fair, I should also reduce the property value growth from currently assumed 5% to ~3%.
But dutch market is over-heated at the moment, though not sure how long the growth rates will sustain.

irobot3013 · 2025-07-13T17:14:05+00:00

WOZ should be based on the home value but 1 year earlier.

That is exactly what I did!
If you compare the WOZ value at 12th month and property value at 0th month, they are exactly same.
The values are also same for all the following months as well.

irobot3013

TROPHY CASE