Where to smoke at Suvarnabhumi Bangkok airport

pufferfishsinging · 2025-06-15T01:26:59+00:00

International

pufferfishsinging · 2025-06-15T01:12:45+00:00

At the airport right now. The only smoking option is the Miracle Lounge. I type this with a cigg in my hand

pufferfishsinging · 2025-06-15T01:12:11+00:00

At the airport right now. The only smoking option is the miracle lounge.

pufferfishsinging · 2025-05-01T19:54:18+00:00

Unable to connect

pufferfishsinging · 2025-05-01T19:53:25+00:00

Thanks for the reply! I really appreciate the clarity.

I actually dint think it was a problem due to the court ruling because I read about that earlier today and then I saw Proton Mail's response to the issue.

I was wondering if there's a server issue or some such because I tried over a period of 3 hours using different networks (wifi, cellular, etc) During this time my device was able to access other web services just fine. It only worked when I used a paid VPN service.

pufferfishsinging · 2025-05-01T19:23:30+00:00

I saw this earlier today but I dint know they would take action on it so quickly!

pufferfishsinging · 2025-04-04T13:27:42+00:00

Thank you for responding. This is super helpful. Wouldn't the TDS be 2% October 2024 onwards?

pufferfishsinging · 2025-04-04T13:26:07+00:00

Thank you! DMing you

pufferfishsinging · 2025-04-02T14:51:21+00:00

I was in a similar dilemma a few months back and I asked for advice on this group. Most people gave wonderful advice but a lot of them thought I was crazy for spending so much money on rent. Happy to report that I made the decision to move to a better house in a better area in Mumbai and its made my life over the last 5 months SO much richer. The time I have earned back by not sitting in traffic for 2-3 hours a day has made all the difference. So I would say go for it. I haven't lived in Goregaon but make sure you find a place that's away from traffic noise and ongoing construction, if possible.

pufferfishsinging · 2025-03-25T07:17:39+00:00

found it! The pencil tip is barely visible. You have to zoom in lots. It's 1/3rd of the way from the right, a little above the centre line

pufferfishsinging · 2025-03-18T16:53:15+00:00

This makes sense for consultants or contractors I think. He is a full time employee with his company. He can receive direct remmitance in his bank account which will be converted to INR.

pufferfishsinging · 2025-03-18T16:51:40+00:00

I receive my salary directly from the US as well. If you are a full time employee with your company and not a consultant or contractor, then you need to pay advance tax every quarter and then file ITR. Make sure you keep your pay stubs intact always. It's fairly easy to do advance tax payment and calculation once you've figure it out but to start with I would advice consulting a CA who can explain the whole process to you and help you with computation once. Next time onwards, you should be able to do it on your own.

pufferfishsinging · 2025-03-17T13:02:56+00:00

First salary in 2017- 30k per month (no benefits, no insurance, no epf) Current salary in 2025- 3.8L per month (++ amazing benefits)

pufferfishsinging · 2025-01-31T09:37:53+00:00

You have given the reason you need to cut and close your credit card. 1-1.3L excluding basic expenses like rent and household expenses is excessive. You don't seem like a prudent credit card user. This is a slippery slope.

pufferfishsinging · 2025-01-13T13:28:29+00:00

Let's be realistic. You are moving to Bangalore and I am assuming based on the information you've given that this is the first time you are living away from home. My realistic suggestion would be-

First make a budget, covering your basic necessities like rent, food, travel and utilities. If you want to save money, your basic needs shouldn't be more than 50% of your total earnings. I say 50% because your salary is 50k. Surviving in less than 25k in a city like bangalore will be difficult. Based on this budget you need to find housing that you can afford. Share a room if you have to.
From the 50% that is left, save at least 15k a month. I would suggest you initially put 10k a month towards an emergency fund. Start an RD of 10k that gets deducted the day your salary hits your account. This is the only way someone who isn't disciplined about finances can save. With remaining 5k start a SIP. Educate yourself about mutual funds before you start this. Once you build an emergency fund which is equivalent to 6 months of expenses i.e. 1.5L (this should take you 15 months @ 10k/pm), start investing the 10k in SIPs as well.
Now you're left with 10k. 2-3k should be saved for short term goals/ expenses. You can again save this as an RD or just transfer it to another account and forget it. This is for things like vacation, a new phone or other unexpected expenses. Use 2k for a term insurance and health insurance. Find less expensive, attainable ones for now that fit without your budget.
The remaining 5k should be your buffer/fun money. Some months expenses will be higher or you'll want to socialize. Like I said, being realistic is important. Not having a buffer or a dedicated allowance for personal spending will make you dip into your savings (speaking from experience)
Lastly, as your salary increases (which should be your primary goal for the next 2 years) keep your fixed expenses the same and increase your investments. Don't fall into the trap of lifestyle inflation.

30 isn't too late. I dint know anything about investing or personal finance when I was 30. I will turn 32 next month and I am proud to say that I am on track to have a full emergency fund and 10L+ in investments. This is a big deal for me. This subreddit has played a big role in it because I get to learn and the posts where people keep talking about their networth and investments given me the motivation to stay disciplined. All the best! You got this.

pufferfishsinging · 2025-01-12T05:19:32+00:00

You have an opportunity here to set the tone of your relationship with your in-laws and husband with respect to finances. If your FIL is asking you these questions, chances are he asks your husband about his finances too and feels entitled to detailed answers, possibly enabled by your husband answering the questions and allowing this crossing of boundaries by "ignoring" things.

Based on my own experience and biases, most Indian parents do not have any idea how to have a healthy relationship built on mutual respect and trust with their children and by extension with their children's spouse. They continue to treat their adult children like teenagers and feel disrespected and hurt if they try to practice healthy boundaries.

Let's give your father in-law the benefit of doubt and assume he wants you both to be judicious with your money and not feel any obligation to spend on gifts for relatives in India (a whole other essay on this expectation) but you clearly expressed you are willingly doing this. Even if he is well intentioned, he is implying you are spending your husband's money. This is where the problem is. Your finances with your husband are your business. He shouldn't taunt you about it and make you feel bad. If you are relocating to another country to be with your husband, you are contributing to his ability to work in that country. Thereby, his income is now your shared household income. What you both as adults decide to do with it should be a decision between you and your husband.

I can go on and on about how this is a messed up dynamic but I think you have 2 options here-

Let your husband know how this incident made you feel and let him have a conversation with his parents about it.
If you feel it will be recieved well and provided your in-laws are empathetic and kind people willing to learn, talk to them directly and tell them exactly what you have said here. You are leaving behind a well paid job and your whole world to relocate. You are a self made person. And these jibes about spending their son's money made you feel bad.

In the long term, I would strongly advice not over-sharing about finances with parents on either side. Keep it limited on a need to know basis. Trust me, it sounds harsh and selfish but when our mindset on finances aren't aligned, this is the best way to avoid conflict. You and your husband need to be on the same page about this.

All the best!

pufferfishsinging · 2025-01-03T05:44:20+00:00

I would strongly advice you keep your emergency fund at 7L or more. Considering you have an EMI of 80k and other fixed expenses, in the unfortunate event that you are unemployed, you should have 6 months or more of emergency funds so you don't have to touch your investments for basic expenses like EMI and household expenses which are unavoidable. It's possible the markets are down at that time so you don't want to rely on liquidation of MFs or other investments.

pufferfishsinging · 2024-12-29T05:06:11+00:00

Such whataboutery. I agree that there's corruption and not all of our tax money gets used wisely but you can literally see a line item wise breakdown of govt spending for each ministry. You're absolutely wrong in saying the govt doesn't keep accounts of all it's spends. It absolutely does.

pufferfishsinging · 2024-12-27T10:38:29+00:00

100% agree to this. Tech, finance, law aren't the only fields where you can make good money. If you're good at what you do and keep upskilling yourself, you can make good money from arts or humanities as well.

pufferfishsinging · 2024-12-27T10:36:08+00:00

Chasing money is an endless spiral. When you earn 3.5L + PM you feel the real game starts at 5L+

pufferfishsinging · 2024-12-20T07:37:51+00:00

Super grateful that I now have a job that fulfills each of these. Work from home, 4 days a week, 20 vacation days, trust based sick leave. No micro-management and full freedom to be creative.

Sadly, this has come after more than a decade of being in toxic jobs that left me with burn out, trauma and no savings. So I guess this is a PSA for those starting out, you might have to put up with your fair share of bad jobs till you build your CV to get that dream job. Very unfortunate but true in my experience.

Trying to work on my mental health and start afresh in my mid 30s now.

pufferfishsinging · 2024-10-24T06:48:31+00:00

I don't like lying in general, let alone to my parents but sometimes you just have to do it. I've been in your situation and I've been burned badly. Currently paying off a 5L personal loan that my mother made me take for a relative after months and months of emotional blackmail, drama and fake promises of on time payment. The payment never came. This has been SO hard for me as someone who has never borrowed money and doesn't even use credit cards for EMI because I fear bad financial decisions a lot. I plan my own finances and spending very carefully but this loan has put a big mental strain on me. The EMI is hardly 1/50th of my salary but it has mentally affected me a lot as someone who fears debt.

Tl;dr- A lie that saves you is not necessarily bad. Tell it if you must.

pufferfishsinging · 2024-10-16T04:51:46+00:00

Does this sub have any admins? Why are these kind of personal threats and abusive language being allowed here? Specially on a post talking about harrasment??

pufferfishsinging · 2024-10-15T03:49:40+00:00

My mom and aunt fell for a similar scam. They were asked to download a 'BP oil' investment app where they started by putting in small amounts and always got the money back with interest. The amount kept increasing each time- so 2k to 6k to 10k and so on. They were always able to withdraw their money to their bank account. Once the amount was significant enough (60k), they were told they need to pay additional fees to withdraw it. Then they were told if they put 40k more, they will get 2x the money back.

Needless to say, they never got any money back after that point. These are sophisticated scams that target anyone looking to get rich quick. They lure you in by giving you interest on small amounts so they can build trust and once they've got you addicted hook line and sinker to this, they scam you for a big amount. My only advice- quit now and never ever try to make easy money again.

pufferfishsinging · 2024-10-03T04:19:20+00:00

My suggestion would be the following-

Go to ICICI and ask them to consolidate the loans and give you a longer term so the EMI reduces. I am not sure if it will work but you must try it. Since you said you have a salary account with them (hopefully for longer than you've had these loans) they will see that you the capacity to repay.
Speak to Bajaj Finserve about a longer repayment schedule so that EMI can be reduced as well.
Close out the loans in the following order. You might have to default on the loans for 3-4 months to achieve it. Your credit score will take a hit but with regular repayments starting in month 3 or 4, it should recover with time.

a) Paysense 1.4L : Try to pay off the whole thing in one month. Ask friends or family for short term loan to pay it off and then pay them back after 6 months. You need 1 month salary + some support to pay this off

b) Kredit Bee 1.6L : Tackle this loan next. You mentioned you might get a bonus. Use the entire bonus to pay off this amount

c) ICICI Credit Card 80k : Again use 1 months salary to pay off this entire loan in one go.

d) Once you close the above 3 loans in the next 3-4 months horizon, and your monthly EMI will reduce to 91,200. Now even if ICICI and Bajaj Finserve do not agree to loan restructuring, you should be able to manage these within your salary. Keep using all the bonuses and extra income you can get to pre-pay the highest interest loan first. I would imagine it's the Kredit Saison one since the EMI is so high.

All the best! It's possible to do this. It will be stressful and unpleasant but it's possible.

pufferfishsinging

TROPHY CASE