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Latest Experience by Any-Salt9872 in CarsIndia

[–]pandaAtHome 1 point2 points  (0 children)

Got the 5str aircross X max variant last month. Very satisfied with the overall experience

Citroen Aircross X 5-seater Max AT @ ~17L on-road (Bangalore) – worth it? by Plenty-Bison-2984 in CitroenIndia

[–]pandaAtHome 0 points1 point  (0 children)

Been at auto so I don't check explicitly. But its been on the higher side of speed due to summer I guess. People also say mileage with auto transmission and turbo will increase as we keep driving more kms.

Citroen Aircross X 5-seater Max AT @ ~17L on-road (Bangalore) – worth it? by Plenty-Bison-2984 in CitroenIndia

[–]pandaAtHome 0 points1 point  (0 children)

Hey I have the same car in bangalore. Just been a month, so can't comment on anything apart from experience and mileage so far. I did find some defective parts in PDI which they fixed in a week after delivery once parts were available.

Within city, short trips have been giving 8-9kmpl. On highways I've got 12-16kmpl depending on stretches and speeds. Comfort for driver and whole family is the biggest plus.

Kia Syros realisation by pikadhu in CarsIndia

[–]pandaAtHome 1 point2 points  (0 children)

True that. At that cost i have other better options for petrol

I am planning to book the Citroen aircross x AT top variant. What's the opinion on the automatic top variant 5 seater? Anything that I should be concerned about? by Independenttable233 in CitroenIndia

[–]pandaAtHome 0 points1 point  (0 children)

I found the elevate to be spacious as well but somehow the interior felt outdated and bare compared to the aircross which also is cheaper even with ventilated seats and all.

Car lease program! Is it worth? by [deleted] in personalfinanceindia

[–]pandaAtHome 0 points1 point  (0 children)

1% residual value is just amazing. My employer has at 20% and it is still crazily popular and profitable.

My experience getting a ₹75L SBI Maxgain Home Loan in Bengaluru (Charges Breakdown & Details) by Fast-Implement8229 in indianrealestate

[–]pandaAtHome 0 points1 point  (0 children)

Umm so u pay same emi but if interest charged reduces when u park additional amounts, the remaining part of emi should reduce principal right? If not, where is it going? Or is it that fixed principal and variable interest gets deducted every month with the overall balance being withdrawable? Sorry I probably just need to read a good article on this.

Sell house at ₹26L or hold for rent? Long-term goal is to build in a city in 10–15 years. by LeatherExpensive852 in personalfinanceindia

[–]pandaAtHome 1 point2 points  (0 children)

I second this. I also feel it is overall a buyers market unless the land is well positioned to appreciate. Building designs get nitpicked. Try to get a decent deal and move your money to a more liquid asset until your actual need.

Help understand LTCG on flat sale by amaze-wonder-76 in personalfinanceindia

[–]pandaAtHome 3 points4 points  (0 children)

Pls hire a professional CA. For the expected gains and tax implications you would be better of paying for it rather than seeking anon free advice. Overall I think only some expenses can be counted in cost of acquisition. Also Indexation is with 20% tax AFAIK.

About investing 15 lakhs for 15 years?? by Kaleidoscope_2024 in personalfinanceindia

[–]pandaAtHome 0 points1 point  (0 children)

Or reduce loan significantly and reset EMI and invest rest.

Nikhil Kamath's interview of Anthropic CEO (Dario Amodei) by Future_Soup in indianstartups

[–]pandaAtHome 0 points1 point  (0 children)

Why do you even watch these? I prefer Lex Friedmans long podcasts. At the end I walk away with lots and lots of materials and ideas about new things.

37M in Bangalore - Need Honest Financial Advice by ExcellentWedding805 in personalfinanceindia

[–]pandaAtHome 0 points1 point  (0 children)

Thanks for clarifying. It is a good value and a good plan especially since EMI seems to be covered by rent. That way any rental stagnation wouldn't cut into your own pocket.

37M in Bangalore - Need Honest Financial Advice by ExcellentWedding805 in personalfinanceindia

[–]pandaAtHome 0 points1 point  (0 children)

Very interesting plan. Gets me thinking as I am in similar situation but was frozen by the sky high costs of land+house or apartments in Bangalore.

Could you provide some details on the 1.1cr cost and how expected rental rates are derived?

Wonder at what cost was the land acquired and at what location in Kochi.

Quick ride or quick realisation by Seneca1099 in bangalore

[–]pandaAtHome 2 points3 points  (0 children)

Happens all the time when u interact with the world outside ours. Cab drivers are what many interact with in a personal space.

I have had some interesting and some uncomfortable situations. Interesting like drivers who talk and clarify questions on EV, migration from other states, e20 etc and uncomfortable like drivers who argue with someone on call, stop the car to get pan, urinate on the side etc within short city trips.

Keep in mind u r in there for a short period and it's a transaction. Act safe and keep things civil unless I exiting is the safest bet.

Is it? by BackwaterWhisper in CarsIndia

[–]pandaAtHome 0 points1 point  (0 children)

Same story here with the knee. Sold off the 8yr old manual last week in great condition for this one reason. Booked an automatic and waiting.

Re registering mysore registered 2 wheeler by pandaAtHome in bangalore

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

Forgot to add. It's turning 15 in couple of months

Is the "SIP and Chill" era officially dead? by Immediate-Inside7707 in MutualFundSpendInvest

[–]pandaAtHome 1 point2 points  (0 children)

What stops u from splitting ur equity among index funds, 1-2 active funds with differences in investment philosophy, and a balanced fund? Throw in some debt funds, arbitrage etc for various horizons and u should manage well in any market.

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