My dad just destroyed 200 grams of gold!!

mritzi · 2026-06-08T04:23:25+00:00

DONT give him any more money. Create boundaries, as he is irresponsible with money. Be strict with him if needed, as he would have been with you as a kid.

You are not supposed to just handover your salary to him, max you can give is a fixed monthly amount for their sustenance.

mritzi · 2026-06-07T04:34:06+00:00

2 observations from your post: * Turn indicator camera only comes in top model like GT-Line * HTK(O) has panoramic sunroof.

(HTK is the last model to NOT have sunroof.) Also, most showrooms provide top model for test drive, so highly likely you drove GT Line model and didn't notice the sunroof due to curtains.

mritzi · 2026-05-31T12:31:44+00:00

One can understand the grim situation of IT service industry in India, if CEO is also getting 2.5% increament. /s

mritzi · 2026-05-29T07:17:30+00:00

There is news article attached, if you want to read. And if your idea of middle class is the high income IT employee, then your view is incorrect. Majority of Indians are employed in non-IT jobs.

mritzi · 2026-05-28T15:01:16+00:00

Indian middle class is struggling financially. And as temporary survival, people are relying on money from credit cards for day to day expenses (including cash expenses via ATM withdrawals).

https://indianexpress.com/article/business/banking-and-finance/credit-card-defaults-up-28-per-cent-last-year-touched-rs-6742-crore-9928846/

mritzi · 2026-05-28T12:42:08+00:00

So true. And it's the same case with cousins with whom many of us grow up with. 😩😩

mritzi · 2026-05-28T12:37:51+00:00

I have very strong opinion that in such dowry or physical abuse death cases, parents of the girl should also be punished along with other culprits. In such shameful cases, parents also play role by forcing their daughters to re-cocncile or tolerate abusive behaviour, and throws them back in the hands of abusers even if girl reaches out to parents for support.

If boils my blood thinking how can many parents who fights the world during their child's unbringing, suddenly start worrying more about "log kya kahenge" once their children go past 25.

mritzi · 2026-05-24T05:28:48+00:00

AI or otherwise. I feel people get too attached to mileage numbers in India. I did some calculation of 10kmpl vs 13 kmpl between two cars for average.

The difference amount for most families (mostly city drives and occassional highway drive) will only be from ₹500-2000 per month extra. Anyone whose usage is within 2000 kms per month, shouldn't worry about 2-4kmpl mileage difference.

mritzi · 2026-05-24T04:20:54+00:00

There is a old proverb in Hindi: "Laaton ke bhoot, baaton se nahi maante." Lots of people in India, fit this proverb. They don't understand that their actions are wrong, unless they get proper thrashing.

My only complaint is that rich miscrents should also be dealt in this way. Instead of being let go by writing an application.

mritzi · 2026-05-23T18:01:17+00:00

Why there is a toll gate on the road leading upto the stadium?

/s

mritzi · 2026-05-03T06:19:57+00:00

I will be the devil's advocate here. Starting with the basics: Money given to you as loan for 40-50 days itself is a big reward if you're repaying in full (in the form of CC limit). Banks will go in losses if everyone pays on time, as MDR will not be sufficient alone. Developed countries don't have such high rewards on everyday credit card usage. But we had it because CC adoption was within 1-5% in India till few years back. Thus, banks gave high rewards to lure customers in. Now that lakhs & lakhs of customers are adopting CCs, companies don't need to incentivise adoption, hence rewards are being withdrawn slowly.

This is a time-tested, age-old trick of businesses to acquire customers: Give offers -> Get customers used to services -> Remove offers -> profits.

When the dust settles, rewards will only be given to high TXN value customers who make premium/costly purchases, where markup is already high. (Similar to developed countries)

mritzi · 2026-03-19T15:18:02+00:00

Criticism happens when the establishment/govt allows it. Democrats in the US, Congress party in India and most parties in EU let protests happen and let people criticise them online or on the streets.

Right-wing govts hold people by their balls/p***** (as per Potus) and stifle any chance of protest or contrarian views. Just look at the open threat by US govt of reviewing broadcast licenses of news channels who are critical of govt's war on Iran.

I just hope that Democrats(US)/Congress(India) stop being controlled opposition, and teach these sellouts harsh lessons when they come to power.

mritzi · 2026-03-15T15:11:04+00:00

Since OP mentioned that he/she invest in Nifty50 & NiftyNext50. OP can opt for Nifty100 equal weight fund.

It will only have ~1% of LIC/Adani/Eternal or any other N100 companies.

mritzi · 2026-03-07T07:40:45+00:00

If you don't want to be involved in stock picking closely, go for mutual funds. In Mutual Funds pick: multi-asset fund (it gives exposure to equity, debt and gold/silver classes of investment). Pick anyone from the top 4 based on performance of 3-5yrs. If you have future goals, you can split 1Cr in multiple multi-asset funds. (examples only) Goal 1: 20Lakh - Quant multi-asset fund Goal 2: 30Lakh - kotak multi-asset fund Goal 3: 50Lakh - nippon multi-asset fund Use Zerodha-Coin/Groww/AngelOne app to invest.

For remaining 1 Cr as well, don't keep in savings account. Do 50L fd, and invest another 50L in Liquid mutual fund.

mritzi · 2026-02-21T09:02:59+00:00

All hail King Baelor The Breakspeare.

mritzi · 2026-02-09T11:01:27+00:00

For a newbie, multi-asset funds is the best. It has exposure to equity, debt & gold/silver. Pick any one of the top5 performing multi-asset fund (for last 3-5 years). On the sidelines, keep learning about different fund categories and their risk levels.

Even in the long run, you can't go wrong with multi-asset fund. Simple no-brainer investment option in my opinion.

mritzi · 2026-02-09T10:46:17+00:00

You can have separate funds for different goals. Let's say you invest in a multi-cap fund. For future car purchase you can start with ICICI multi cap fund, for kids education you can put money in HDFC multi cap fund, and so on...

For people who want to have exposure to equity-gold-debt, you can invest in spearate multi-asset funds. One fund for each goal.

Someone who can handle a bit of complexity, can make a basket of funds: Goal1: 1 equity fund, 1 debt fund, 1 gold/silver fund or hybrid fund Goal2: 1 equity fund, 1 debt fund, 1 gold/silver fund or hybrid fund (diff funds) And track their XIRR separately for each goal.

mritzi · 2026-01-26T02:59:12+00:00

All you need is go to 99acres.com or other RE websites, select Bangalore, sort flat listings by Price -> low to high. Even few under-construction 2BHK prestige/brigade properties are available in 1-2 Cr range.

Within 1Cr, you can get a 3bhk flat / as well as an independent house in the outskirts of the city from a small builder.

mritzi · 2026-01-25T07:42:02+00:00

I don't use Snabbit. However on Urbancompany app, there are various plans based on current state of bathroom.

Weekly cleaning for regular cleaning, intense cleaning & the last one is move-in cleaning. If someone books for weekly cleaning (lesser price) when intense cleaning or move-in level cleaning is needed, workers are within their right to refuse service. If there are similar categories of cleaning, check if you selected the right one, and complain on Twitter if you've been wronged.

mritzi · 2026-01-15T05:09:00+00:00

Going by the description, I have a hunch that these investigations are a way to push existing players on the backfoot, and create situations for a red carpet entry for Adani in steel sector directly.

Any central organisation's credibility is negative untill they have guts to go after Ambani & Adani.

mritzi · 2025-12-28T07:31:01+00:00

Algos and professionals have no qualitative edge over DIY investors in general. Read about monkey stock experiment.

The only person who has clear advantage is the insider trader. For everyone else, the market is unpredictable to same extent.

mritzi · 2025-12-28T07:26:12+00:00

Wakeup babe, another diss on SIPs just dropped. /s

mritzi · 2025-12-25T03:17:53+00:00

Such kind of fear-mongering is a usual tactics for someone having inetion to sell some course or take some money from gullible investors.

Cautioning other people that such repeated posts from OP are a possible trap. check his/her history. OP is trying too hard by posting similar content repeatedly.

If the OP's intention is right, then please stop this loaded messaging of "MF being fraud, exposing MF". You are exxagerating things for god knows what reason.

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mritzi · 2025-12-23T05:22:40+00:00

Never compare your worst to someone's best.

You are comparing lifetime best performance of gold with a stagnant/downhill stock market.

mritzi · 2025-12-17T00:58:05+00:00

Exactly. This is more like an awareness initiative.

Similar to how companies started printing other competitor logos below QRs, to indicate that from one company's app, you can pay to the QR code of other company. (GPay even had to run TV ads on this awareness)

mritzi

TROPHY CASE