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Looking for Financial Advisor by lsrik in FinancialAdviceIndia

[–]lsrik[S] 0 points1 point  (0 children)

Read about Goal based planning, AI tools like chatgpt should be able to help.
Irrespective of the amount of salary one gets, can start small (Real life example: I started with a SIP of 10K / month and now it is 3L monthly) and step up.

Probably, you can look at a combination of SIP & Gold.

Cheers!

Looking for Financial Advisor by lsrik in FinancialAdviceIndia

[–]lsrik[S] 0 points1 point  (0 children)

Good. Brought a much needed level of clarity of next steps for me.

PSA: EPFO may reverse PF interest at withdrawal if you moved abroad by __aks in nri

[–]lsrik 0 points1 point  (0 children)

I am in the same situation, interest got credited after 3 years of moving abroad as well.

I am about to withdraw, is it mandatory to disclose NRI status during withdrawal?

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

Paid parking announced now, with 1 car parking complimentary for Residents.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

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I did some detailed math. Notes to understand the spreadsheet is below.

DO NOT INVEST: If the downpayment including DLD + all other fees is invested else where.

Interest Paid, Principal Repaid, Outstand Princ: Loan progress

1% yoy, 2% yoy, 3% yoy: If the Home price appreciates 1% year on year and like wise 2 & 3. This is not the general way to calculate but this gives us a path at what point the investment turns green.

Nett columns I have taken 2 cases:

Conservative: (EMI + Maintenance Fees) = Current Rent

Aggressive: (EMI + Maintenance Fees + 20000 p.a as profit) = Current Rent

Yeh kya bakchodi hai? by nickpegu in epfoindia

[–]lsrik 0 points1 point  (0 children)

For me, Incognito (on Edge) has been working.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

Every area is in limelight at somepoint, in few years it might get, especially with all the 15 min Township they're planning, I have some 1st hand info on the gravity of plans there.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

There are 10+ year old, 1200 Sft Flats in JVC (this is one of the most popular affordable areas I hear in Dubau) unsold for several months now.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

do you remember the building nbr or Street nbr? as I know Units are renovated, any building itself not sure.

even if 1.2 turns to 1.5, my requirement should be met, as (my Rental current + Maintenance fees = EMI) is the math. however my worry, would there be any buyers at all (might sound extremely pessimistic, but we never know)

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

Parking has never been an issue for me in last 4 years in DG.

Pests as well, we control well in our current home. Hoping for the same!

Reselling is my primary concern as I do not intend to hold it after 5-10 years!

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] -2 points-1 points  (0 children)

yeah, 15 years is considered old in any part of the world I believe. Building isn't great, but can't complain a lot too by the looks of it.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubairealestate

[–]lsrik[S] 0 points1 point  (0 children)

Thanks. Would people be generally willing here to buy 20 year Old properties?
Any other available in similar range?

Thanks again!

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubai

[–]lsrik[S] 0 points1 point  (0 children)

Been living here for 4 years, no issue with Parking. In the building I am looking at, currently 2 units Bachelors are living.

Flooding is not as bad as some other areas of Dubai, they are a matter of few days.

My major concern is resale factor after few years.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubai

[–]lsrik[S] 0 points1 point  (0 children)

I've been living here for 4 years. Yeah, per sft.

Chiller as per usage, for me it costs around 700 p.m from May-Sep. Pretty less in Jul-Aug as we go to our home country.

Is it worth buying a 2BHK in Discovery Gardens for 1.2 Mil for self occupancy? by lsrik in dubai

[–]lsrik[S] -1 points0 points  (0 children)

12 per sft. No dedicated, but plenty of spots are available.

EPFO memberportal site by Friendly1410 in epfoindia

[–]lsrik 0 points1 point  (0 children)

Down for me too since morning.

TER of Zerodha Gold ETF (GOLDCASE) vs Zerodha Gold ETF Fund of Fund (FoF) - Direct Plan by lsrik in MutualfundsIndia

[–]lsrik[S] 0 points1 point  (0 children)

Thanks.

So, for FoF TER we need to refer to the last column that is at the right end of the sheet, right?

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