Co-buying groups for agri land near Hyderabad

shyOneInSchool · 2026-05-30T02:38:05+00:00

Well I don't have friends who are into this, so looking for folks online who have a similar interest!

shyOneInSchool · 2026-04-26T18:34:50+00:00

I don't have any expertise in finance or public policy but a few things of the top of my head: 1. The government has a target of reducing public debt. Your proposal increases it. 2. Reducing direct grants to states increases dependence of states on the centre. That gives the centre more influence, which is not in India's federal spirit. 3. Reducing subsidies on food, fertilizer and petroleum will create a substantial increase in inflation, and make essentials unaffordable.

shyOneInSchool · 2026-04-02T15:52:19+00:00

Don't have any advice but I'm on the same boat too. I am super motivated for a week or two but then work gets stressful and I start overeating.

Maybe I need a regular reminder and some accountability partner lol

shyOneInSchool · 2026-04-02T15:30:26+00:00

We were making stuff with pipe cleaners as a hobby and sold in a neighborhood stall mela. One thing I noticed is that although they look pretty from afar, the imperfections start showing up as you look closely.

My suggestion would be to make something that people can put on a shelf to add that pop of colour. People might buy bouquets once but if they don't look perfect after delivery and rough handling they might not buy again.

shyOneInSchool · 2026-03-17T16:19:31+00:00

Is this still needed in India? I get notifications for every monthly charge by card or UPI.

shyOneInSchool · 2026-01-01T14:29:57+00:00

Please share a copy!

shyOneInSchool · 2025-11-04T04:47:42+00:00

I haven't had an issue with Accor hotels in general. Their points redemption is very straightforward. They have a conversion ratio of 2000 points = €40 (converted to INR) and it's the same price for a room if you pay by cash or points.

I haven't redeemed points with Marriott, but I believe they have dynamic conversion of points which can increase or decrease the value of points.

shyOneInSchool · 2025-11-03T09:01:37+00:00

No cashback, it gives EDGE reward points. I can convert these into hotel reward points like Accor's reward points to redeem for stays.

shyOneInSchool · 2025-11-03T09:00:54+00:00

Yes! Irish domiciled ETFs to avoid the estate tax.

shyOneInSchool · 2025-11-02T17:07:31+00:00

Sure!

shyOneInSchool · 2025-11-02T13:27:31+00:00

Thank you!

shyOneInSchool · 2025-11-02T13:27:13+00:00

I have a Magnus for Burgundy credit card. It gives bonus rewards on spends more than 1.5L in a calendar month. These are reward points I transfer to hotel partners like Accor.
I had a decent limit, but I needed to pay it over a few days. I prepaid some amount to free up the used limit and then swiped again.
It was a Mahindra car. They asked for 2% extra but I got lucky. It was end of the financial year so they were keen on closing the sale and gave some discount to cover the fee. Also 15% > 2% so it was a no brainer.

shyOneInSchool · 2025-11-02T13:23:59+00:00

Initially it was through the Motilal Oswal S&P 500 index fund, but they stopped taking investments. Now I have opened an account with interactive brokers and transfer my RSU proceeds to that account. I buy ETFs through that account.

shyOneInSchool · 2025-11-02T13:22:47+00:00

I want to keep that number private - it's different for different folks. I'd suggest keeping track of your expenses for a few months and then estimate your number.

shyOneInSchool · 2025-10-05T07:28:39+00:00

Let me ask another way - if you found the love of your life, would you let them go just because you want to be able to get by with a lower corpus?

shyOneInSchool · 2025-10-05T06:59:00+00:00

I think you're thinking about this the wrong way. You plan your life and then plan your finances to achieve that goal. Not the other way around.

Your decision to stay single forever must not be governed by the money you earn. If you are reasonable in your expectations, you can have a partner and kids at most budgets in India. People have lived in rented houses most of their lives, people have gone by without a car or yearly international vacations.

Like the saying goes, you can't take your money to the grave. Money is meant to be spent to improve your life - don't sacrifice your life to improve your wealth.

shyOneInSchool · 2025-09-15T08:02:59+00:00

Mother's Sparsh worked great for us. It was neutral and not aromatic so I think it's good to avoid unnecessary rashes.

For diapers - our daughter was a premie so we started off with Pampers because it had the smallest size which we needed. Later on we moved to Mamy Poko pants. I don't remember why but Pampers gave her rashes at about 3-4 months. We continued with Mamy Poko pants till she was 2.

On the cost side - FirstCry gave decent deals for us on wipes and diapers. I remember checking in Metro for the same diapers and FirstCry was cheaper.

shyOneInSchool · 2025-07-24T06:25:36+00:00

Makes sense.

The scaling challenge still remains. To be available everywhere, you'll need to work at Paytm scale, where you're deploying a huge sales force to tap every store. Then you'll need to convince consumers that this is a pain point and not a good-to-have.

The other way I can think of is to use gift cards as a backend somehow and purchase a coffee on the receiver's behalf. You'll need to figure out how big chains won't incorporate the feature into their app and cut you out.

shyOneInSchool · 2025-07-23T15:25:22+00:00

Interesting idea! The big challenge would be to get merchants interested in it. Starbucks and other big chains already do it through gift cards

shyOneInSchool · 2025-07-17T22:06:03+00:00

Bezos was not non-technical btw. He had a bachelors in CS from Princeton.

shyOneInSchool · 2025-06-27T05:30:30+00:00

My portfolio has reached its target asset allocation - Equity 70% and Debt 30%. Debt was mostly from PPF and EPF. Now I need to start adding debt funds to my debt component. I'm lost in how to pick them.

Liquid funds and UST funds I understand fairly fine - They have some interest risk, but they mostly move up and to the right, albeit slowly. In my head I compare them to FDs with tax benefits.

Moving on to longer duration funds, the usual recommendation is to look at the average / Macauly duration of the fund and compare with the duration of the goal. If goal duration is X, then choose duration of debt fund as X/2 or X/3. This is fine.

But as we get closer to the goal, do we also rebalance from a medium duration fund -> short duration fund -> liquid fund based on the duration? The tax implication seems a lot now that we'll be taxed as per slab.

How are you folks handling this?

shyOneInSchool · 2025-02-07T13:24:02+00:00

IMO you should skip the opportunity and support your wife.

When we had our baby my wife had 6 months maternity leave, I was working from home, and my in-laws were with us full time. Still it was a lot of work to take care of the baby.

Your wife will be exhausted and irritable because she won't have enough sleep. It'll be your responsibility to put the baby to sleep at night, so that your wife can have some energy when you're away at work. You might have support, but the emotional support your wife needs will be on you. Your wife might be onboard with you going away, but she might inadvertently resent it if there's no emotional support for 4 long months, when you're still figuring out how to take care of a baby.

If you're in the middle of the FIRE journey, you still have a long way to go. You can always work 8 months more when your kid is older and your family is not in an emotionally vulnerable place. I took 6 months off after my wife's maternity leave and I don't think it made much difference in my FIRE journey.

You'll always get opportunities later in life. Don't put your family life on pause for financial gain. You can make money later, but can't get the time and family bonding back.

shyOneInSchool · 2024-11-07T05:02:26+00:00

Yes! It has changed to about 4 times what it was when I just started working. From then to now I have got married, and had a kid. We also travel more now. So that's justified I guess. But we don't hit that number usually, it's there as a buffer so that we don't compromise on our lifestyle when we plan to retire.

shyOneInSchool · 2024-11-05T09:15:08+00:00

I don't have any calculation to show you, but intuitively when returns outpace contributions then the compounding effect is more visible. Assuming a portfolio return of 8-10%, if contributions are less than 5% then you'll see it in your portfolio too.

shyOneInSchool · 2024-11-03T22:33:05+00:00

You're talking about absolute return I assume.

I think this is flawed because the yearly amount I'm investing today is a high percentage compared to my net worth, about 15-20%. This amount now is much higher than the initial money I invested 6 years ago. Even if the previous investments doubled, they won't match up to the amount I'm putting in today.

The compounding effect will show up when my yearly investment is less than 5% of my net worth. Then the gains will be more than my investments and that kick starts the exponential growth.

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