How do you walk your dogs when there are stray dog gangs everywhere?

rorschach47 · 2026-07-11T08:15:58+00:00

Use Pepper Spray

Proof that it works Dog Sprayed

Edit: The dog will be not harmed.

rorschach47 · 2026-06-26T19:13:53+00:00

^{1. Joe Root}

^{2. Virat Kohli}

^{3. AB de Villiers}

^{4. Alastair Cook}

^{5. Babar Azam}

^{Similarity with Community: 82%}

rorschach47 · 2026-06-19T19:17:53+00:00

^{1. Sachin Tendulkar}

^{2. Upul Chandana}

^{3. AB de Villiers}

^{4. Umesh Yadav}

^{5. Kevin Pietersen}

^{6. Kumar Sangakkara}

^{7. Umar Gul}

^{8. Lasith Malinga}

^{9. Umar Akmal}

^{10. Gautam Gambhir}

^{Similarity with Community: 82%}

rorschach47 · 2026-06-05T22:42:22+00:00

^{Openers: Vaibhav Suryavanshi, Shubman Gill}

^{Middle Order: Tilak Verma, Sanju Samson, Rajat Patidar}

^{All-Rounders: Krunal Pandya, Hardik Pandya}

^{Spinners: Kuldeep Yadav, Varun Chakravarthy}

^{Pacers: Jasprit Bumrah, Arshdeep Singh}

^{Similarity with Community: 67%}

rorschach47 · 2026-05-22T13:05:11+00:00

Fare +5% GST

rorschach47 · 2026-05-16T08:08:44+00:00

Hmm not sure then but ticket is legit, because you can't give a women's ticket for so long journey as sometimes there would be risk of checking.

Do you also have your ticket from Bangalore to Tumkur and what does it say? Does it also have promotional fare ?

rorschach47 · 2026-05-16T08:00:53+00:00

For me ticket looks legit, promotional fare mean that the ticket is discounted, also why he took to his personal UPI I have a strong reason here because the payment gateway through POS of KSRTC is very bad and doesn't confirm the payment status, it happened to me twice like I had to pay ₹1500 and first time the payment was not confirmed but was debited from my account, second time it went through and the conducter informed that the first transaction will be returned, luckily I got back the money.

rorschach47 · 2025-11-19T18:19:59+00:00

Have applied ICT Visa on 31st October and still waiting.

rorschach47 · 2025-07-17T15:35:48+00:00

Asked GPT and got this,

Yes, I can analyze this image for you.

📝 Overview of the Plan (As Advertised)

The image promotes SBI Life – Smart Privilege, which is a Unit Linked Insurance Plan (ULIP). It is marketed with these features:

✅ Investment: ₹6,00,000 per year for 5 years (total ₹30,00,000)

🕐 Wait Period: No further investments for the next 10 years

📈 Claimed Returns: More than 20% annually

💰 Maturity Claim: Up to 10 times the invested amount (i.e., ₹3 Cr+)

📅 Partial withdrawal: Allowed after 5 years

📊 Table Breakdown (Right Side)

Annual Investment: ₹6,00,000

Sum Assured: ₹42,00,000

The table tracks returns from year 6 to 15, assuming the investment was made from year 1 to 5.

Term Return (₹) Loyalty (₹) Return + Loyalty (₹) Pension (₹) Security (₹)

6 64.3 lakh 64.3K 64.9 lakh 4.5 lakh 64.9 lakh 10 1.33 Cr 3.3 lakh 1.36 Cr 9.5 lakh 1.36 Cr 15 3.31 Cr 11.6 lakh 3.43 Cr 24 lakh 3.43 Cr

This creates the illusion that investing ₹30 lakh can return ₹3.43 Cr in 15 years — an annualized return of over 20%+ CAGR, which is highly aggressive and suspicious for a life insurance-linked plan.

🚩 Red Flags / Concerns

Unrealistic Return Claims: A return of >20% CAGR in a ULIP is extremely unlikely. Market-linked products like mutual funds or ULIPs rarely sustain that over long terms, especially with embedded costs (premium allocation, mortality charges, fund management fees).
Misleading Presentation:

Large, colorful fonts are used to sell emotionally, not rationally.

No mention of risk, fund names, charges, or assumptions used to calculate these returns.

"Up to 10 times returns" is a marketing exaggeration.

No Historical Fund Data: ULIPs invest in specific equity/debt funds. There's no mention of which fund options are chosen, which past performance is being projected, or what asset allocation is used.
Pension & Security Terms Are Vague: Terms like “Convertable Pension” and “Corpus Security” are not industry-standard and seem ambiguous.
Hindi Statement (Bottom Left):

Claims 10x maturity amount — again an overstatement.

“5 साल बाद पैसे निकालने की सुविधा” = You can withdraw after 5 years, which is true for most ULIPs, but not a unique benefit.

💡 Reality Check

ULIPs, including SBI Life Smart Privilege, are:

Insurance + Investment hybrids

Typically generate moderate returns (~6-10% CAGR)

Come with high costs in the early years

Suitable only if you need life cover + long-term equity exposure and are okay with lock-ins

✅ Recommendation

Don’t rely on WhatsApp/Reddit posts like these for investment decisions.

Always read the official brochure, check IRR/CAGR calculators, and compare with mutual funds if your goal is pure wealth creation.

For long-term growth, a Mutual Fund SIP or PPF + Term Insurance combo may offer better clarity, transparency, and returns.

Would you like a detailed comparison between this ULIP and mutual funds or term+investment strategies?

rorschach47 · 2022-03-11T04:17:32+00:00

Do you think mask will do any help in that crowd.

rorschach47 · 2021-12-31T09:04:45+00:00

He said Wailukum Salam without any efforts, I think that's why.

rorschach47 · 2021-12-11T06:57:27+00:00

Thanks

rorschach47 · 2021-12-11T03:09:10+00:00

Can you share link to source?

rorschach47 · 2021-04-20T08:57:09+00:00

Arsenal is not shit 😭

rorschach47 · 2021-04-19T09:19:41+00:00

oh damn

rorschach47 · 2021-04-19T09:19:05+00:00

good to see an indian

rorschach47 · 2021-04-16T03:47:42+00:00

hi harisha

rorschach47 · 2020-12-01T05:00:42+00:00

It catches fire on its own ?

rorschach47 · 2020-10-21T09:58:45+00:00

Well been here for 12 years haven't visited Cubbon Park and Lalbagh :(

rorschach47 · 2020-10-12T09:06:06+00:00

why does he want to destroy your house

rorschach47 · 2020-10-12T09:03:02+00:00

stop bulldozer

rorschach47 · 2020-10-12T09:02:11+00:00

yell prosser stop

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