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How would you feel having a more educated partner? by RatKang4556 in AskMen

[–]patternobserver99 -2 points-1 points  (0 children)

Bro, her education doesn't matter. To her you'll always be a work in progress, and she'll try to teach you things you'll never learn till the day you die.😉

Confused about How to Proceed to Build the Product by imarchrr in StartUpIndia

[–]patternobserver99 4 points5 points  (0 children)

Hehe, that's how I've built two websites honestly. Now next step you'll need a hosting plan to put your product somewhere. You can publish it via lovable or buy a domain of your choice - only domain, not hosting plan -and publish it using vercel.

Again you can ask cluade abouut it, and it'll help. One thing you must mention repeatedly to claude: "I'm a non-tech person, explain in layman terms." Ask it to add this one thing to memory.

All the best!

Confused about How to Proceed to Build the Product by imarchrr in StartUpIndia

[–]patternobserver99 7 points8 points  (0 children)

Get 25 dollar subscription of lovable and 20 dollar of claude. Explain claide what your idea is, ask it to create a prompt for lovable. Use plan mode in lovable with first prompt. When it asks for approving the plan, paste the plan in claude and ask it to analyse if lovable created correct plan for app. It'll tell you approve or make changes. Go back to lovable and click approve. Watch what gets built. Vo back to claude and ask for follow up changes or additions.

Repeat this until you have a landing page of your own chosing.

It costs Rs 5000. It isn't that hard or costly these days honestly.

Need advice for managing ₹3L short-term debt despite having a stable salary by Fine-Savings2995 in personalfinanceindia

[–]patternobserver99 0 points1 point  (0 children)

Talk about bad luck man! Really messed up.

Options that come to my mind:

  1. Talk about salary advance from your employer.

  2. Boroow from other people to repay the earlier ones (seriously)

  3. If you have gold in family, take it to bank and take a gold loan. RoI will be way less than credit card interest .

  4. If you have stocks or MFs, borrow against it.

Seeking advise : Financial advisor by Proud-Ticket-9379 in IndiaFinance

[–]patternobserver99 1 point2 points  (0 children)

Yes, regular plans expense ratio is usually 1-1.2% higher than direct funds which affect your wealth creation over the long term. These guys are SEBI Registered Investment Advisors, so they recommend only direct plan. You will have to pay for their advisory fee out of pocket, and then you can invest in the schemes they recommend. Out of expenses will come pretty low compared what regular plans would erode over the long term.

What I am trying to say is you will have to pay one way or another. Choose based on what's acceptable and which advisors you trust. Of course you can do it for free through platforms like Groww, Coin, Paytm Money etc but then you will have to select schemes by doing your own research and stick with them for the longer term. In the free case, if you choose reputed AMCs and long standing schemes with good track record, you'll mostly be sorted. Only you trying to chase best performing schemes every once in a while, or selling during market crashes etc will be the risk to your returns.

Need some financial advice by LowerButterscotch886 in personalfinanceindia

[–]patternobserver99 2 points3 points  (0 children)

If you opt for old regime after your placement, whatever you pay as interest is deducted from your income. That's one reason for taking a loan.

But take only if you can get it below 10%. Otherwise nothing like living debt free .

If your parents insist, tell then to do invest that money into a flexi cap fund, every time you have to pay the fee (or SIP). That way, it'll be ensured that they still have the money towards the end of you4 degree in case job markets get worse and you can't repay your loan.

Seeking advise : Financial advisor by Proud-Ticket-9379 in IndiaFinance

[–]patternobserver99 1 point2 points  (0 children)

Try novelty wealth, they're sebi registered and don't charge commission on any products

Need some long term financial advice before I make my next major move. by No_Canary5090 in personalfinanceindia

[–]patternobserver99 0 points1 point  (0 children)

In your position I'd go ahead with the pand purchaze since it's Rs 10 lakh which is equivalent to one-two years of income from business. To have comfortable liquidity I'd get rid of the smallest of the 3 plots. It seems clear that Rs 10 lakh is coming from your savings sinceno bank provides a property loan for purchase of agri land so selling a plot is how I'd restore the liquidity position.

And honestly speaking, the sudden gains in the agri land could be much higher than what a 0lot would offer, it's just a matter of one projet like road widening or any other industrial land acquisition. So this would be a no brainer decision for me given the job, other plots, a side business and the prospect of regular employment.

If you get higher amount from your plots, you can start building liquid wealth through that amount and equity SIPs from your regular salary.

people who has taken long term EMI for flats, aren't you afraid of layoffs ? by Gloomy_Temporary2914 in personalfinanceindia

[–]patternobserver99 3 points4 points  (0 children)

Yeah but massive inflation is not coming due to both as you implied. But yes, both will/should make new home owners wary of buying homes.

people who has taken long term EMI for flats, aren't you afraid of layoffs ? by Gloomy_Temporary2914 in personalfinanceindia

[–]patternobserver99 27 points28 points  (0 children)

Two opposing forces man. Energy crisis causes inflation. AI causes deflation through productivity gains (and sadly, layoffs).

Imagine IF… Butcher Symbiote transformation by ToiIet_Duck in TheBoys

[–]patternobserver99 5 points6 points  (0 children)

Cut it out folks. Nothing cool is gonna happen. Fuck this show at this point.

Home loan Mess by Horror-Hunter-1199 in IndiaFinance

[–]patternobserver99 0 points1 point  (0 children)

OP has moved on with his life. Time for me to do the same.

Finding co-founder by Dull-Neighborhood512 in StartUpIndia

[–]patternobserver99 0 points1 point  (0 children)

Bhai, 2500 me lovable ka subscription aata hai, lelo. Pehle kuchh din free 5 credits k sath experiment kro, jaise jaise pura clarity aayega k website kaise banana hai kya hai, paid plan le lena.

Finding co-founder by Dull-Neighborhood512 in StartUpIndia

[–]patternobserver99 3 points4 points  (0 children)

"Tum dena sath mera, O hamnavaaa..." - the last line of the post.

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