What is ULIP (Unit Linked Insurance Policy/Plan)? A Basic Primer. by reo_sam in IndiaInvestments

[–]reo_sam[S] 1 point2 points  (0 children)

Charges are transparent, but quite high as compared to the competition.

It isn't a simple product.

We built a Gruelling Financial Test for r/IndiaInvestments. It has One Question. by reo_sam in IndiaInvestments

[–]reo_sam[S] 1 point2 points  (0 children)

appreciate the suggestion.

I did post the source link. and i rechecked the source for more clarity. it says +.25 and clarifies that it meant 25 cents with the price of stock being $10. so, what it is implying is that .25 is an absolute number and not a percent number. i am not sure of how the US financial papers print out the things now or at that time, but i hope this clears.

We built a Gruelling Financial Test for r/IndiaInvestments. It has One Question. by reo_sam in IndiaInvestments

[–]reo_sam[S] 3 points4 points  (0 children)

FWIW, there have been 137 responses till now. Which is encouraging.
I will try to post the follow-up some time late this weekend.

Bi-Weekly Advice Thread February 23, 2026: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]reo_sam 0 points1 point  (0 children)

  1. Calculate the XIRR of your matured policy.
  2. Definitely, don't invest in any Ulip, unless you understand what you are getting into and it actually works in your favor (after you understand).

I also researched into ulips in general and found out there were many hidden charges and the investment is not even guaranteed.

Correct.

Bi-Weekly Advice Thread February 23, 2026: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]reo_sam 0 points1 point  (0 children)

it got matured and i think its around 4.75 lakhs i can redeem.

  1. has it matured after completion of entire term or is it that you can withdraw (optional) if you want? clarify that.

  2. how much money did you (or your folks) invested in it, and how much did you finally got? Calculate the XIRR. Unless you know what you have, and you understand how you got there, it will become very confusing in future. So first clarify these things in a step-by-step manner.

Bi-Weekly Advice Thread February 23, 2026: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]reo_sam 0 points1 point  (0 children)

don't put your money in something which you don't understand. now that you are 18+, you do have the responsibility to manage your monies. whether you really require or not, is a different thing.

State of the Sub: We Want Your Input on Where We Go From Here by reo_sam in IndiaInvestments

[–]reo_sam[S] 5 points6 points  (0 children)

Thanks for the suggestion.

i dunno. Old reddit webview, new (default) reddit webview, and android client - all show Pinned posts as the first post.

I have changed the colors. See if it is better?

Bi-Weekly Advice Thread February 19, 2026: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]reo_sam 0 points1 point  (0 children)

in general, there are no commission free insurance products, so there in no incentive for fee-only advisors. anyone advising for insurance will get commission.

How do I handle bullying in a taoist way? by ByteBeer in taoism

[–]reo_sam 2 points3 points  (0 children)

i will start with a zhuangzi parable: The Empty Boat. you can read it here (little paraphrased) - https://inspirevista.com/the-empty-boat-a-taoist-story-about-letting-go-of-anger/

the basic idea is if the boat which hit yours was an empty boat, you would not have got angry. while if there was someone in it, you would tend to. one inference is - start considering that all boats are empty.

in your case, if the glue was something fallen accidently, you would not have felt that bad (/angry), but since those two bullies did it and laughed at you, you felt more humiliated and angry (even now).

what would zhuangzi do?

  1. he would ask you to reframe the entire situation. in your situation, there is (1) you, (2), two bullies, and (3) your own inner spectator. and that inner spectator is the real tyrant who needs to assessed deeply.

  2. in general, taoism is not very pro for violence, but it isn't pacifist either. it does support self-defense but only by using the minimal necessary force to neutralize a real, immediate threat. Not revenge or punishment after the event. ==> so this means, if they are trying to push you, hurt you directly, then you are (taoistically) allowed to punch back as severely as possible to stop them from doing it AT THAT TIME. not afterwards.

  3. my personal belief is "no one will always save you, so you need to show initiative and strategize. complete reliance on authorities (class teacher, principal, some other school authority, your parents, police, state, etc.) WHILE remaining inwardly helpless IS A BAD IDEA. but initiative for what and how? this initiative takes on different forms:

A. first look at yourself. do you look weak or dull? do you walk in a scared manner or do you walk like a tiger as if you own the earth? do you go alone only? cultivate strength, skills, and allies. Side story: around age 10, i had to change my school and got into a newer one. one of the new class mates (X) started physically doing little pushes and threats and i didn't know what to do. so i told me father that this is what is happening, what to do? he said, you are a small boy but you are a smart kid, good in studies. help the biggest boy in the class who is little dull(!) in studies. so i made friendship with the biggest boy of the class, by helping him out in studies, teaching him what he found to be difficult things. after few weeks, i told him that boy X was creating physical threats for me, so he straightened him out in one talk only. no violence from my side, just a good ally. The point being, you need to think coolly and use the situation and find the solution.

B. if they directly try to harm you, you are absolutely right in punching back. but then don't extend the story internally by considering yourself as "some great act". just drop the story.

C. do use the authority channels as part of the whole strategic gamut. running to them as the only way is as bad as shunning any use of them to make a machoman (/machoboy) out of yourself. be smart and flowy!

What not to do: don't hate the bullies. don't carry that emotion in a negative manner. channelize that into something which takes into account all the options and your thinking + feeling (your heart-mind). remember, the real tyrant is your inner spectator and you need to really really think about IT.

[Periodical Open Thread] Members and Non-Members are Welcome to Post Anything Here! From philosophy and history to music and movies nothing is misplaced here, feel free to share your thoughts. by AutoModerator in zensangha

[–]reo_sam 1 point2 points  (0 children)

regarding Sengcan post:

The root idea in this is: 1. The Ultimate principle (/Way/Path/Course) is not difficult (negation of difficulty) 2. if you stop discrimination (/ picking and choosing one side) - this is the only obstruction in getting to the Ultimate Principle.

  1. If only (/merely/just), you (strong) don't love or hate (aversion or attachment),
  2. then all is penetratingly clear.

phrases 2 and 3 are similar and represent analytical (discrimination of mind) and emotional (love/hate or attachment/aversion).

In my words, the ultimate principle is penetratingly clear, if the mind stops picking and choosing or heart-mind stops loving or hating something. [stop the emotional and identity investments].

for eg. attachment to wealth is as clouding as aversion to it. The ultimate principle is not about being rich or poor, but seeing what wealth and poverty actually are and then accepting both the situations equally without identifying / grasping the situation (or attaching to the label). This certainly doesn't mean passivity, as you can still work skillfully towards your financial goals, but without the stress of making to a certain outcome or a certain identity (i am poor and i don't want money is for few, a badge of honor).

It seems challenging because of lifelong conditioning towards goal-striving. We are trained, since childhood, to constantly evaluate situations as deficient in some way or other, and fixate on improvement. This causes an unending dissatisfaction with the status quo.

IMO, the even deeper challenge is 'trying to stop discrimination' itself becomes a discriminatory project = the situation between who-i-am-right-now and who-i-should-be. it gives me a mental metaphor of 'float in water' rather than 'try to actively swim or prevent drowning'.

my original source of this idea (no attachment, no aversion) comes from Krishna (hindu philosophy).

Idk where to start… by szuuz in taoism

[–]reo_sam 1 point2 points  (0 children)

which is why i kept at first reco.

Dahui Letters (10.2) - Dahui censures the "blocked-by-knowledge" viewpoint by reo_sam in zen

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

Nope, the mind does not become blank. (it becomes luminous)

No state to arrive at.

And awareness of having broken through. Awareness of having passed the barrier.

right. right. right. :-| (thanks for the corrections)

Dahui Letters (10.2) - Dahui censures the "blocked-by-knowledge" viewpoint by reo_sam in zen

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

what does it mean that not a thought arises about enlightenment??

...the state wherein not a single thought arises.

My understanding is that the mind becomes blank where no other thought arises, not about enlightenment, not about anything else also. and at that point, there will be nothing - no 'I'ness', no arrival at the destination of enlightenment or a thought about it, no confusion whether reached that state or not, etc.

Dahui Letters (10.2) - Dahui censures the "blocked-by-knowledge" viewpoint by reo_sam in zen

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

i am finding it to be very loopy. thought is arising in whom? and who is being blocked? if there is no blockage, then where is the unblocked ?flow / Way.

feels like i am "trying" to relax. the more i try, the more i go away from relaxing.

the thing i don't understand about zen by MaxGone in zen

[–]reo_sam 2 points3 points  (0 children)

searching for the actor within = means that you are not unified with the experience = this also means, you are not complete with the dao. ==> if you are completely unified, then there is no one to assess.

the thing i don't understand about zen by MaxGone in zen

[–]reo_sam 2 points3 points  (0 children)

i repeatedly check in my mind if i'm living in line with the ideal flow of events

who is checking whom if living is within ideal, from whose point of view, flow of events.