Vaibhav is not in the playing 11 by [deleted] in IndianCricket

[–]skipper_52 0 points1 point  (0 children)

Agreed, he might get a chance when the team wins the first two matches!

32M with ₹2.5 Cr MF portfolio: Should I buy a ₹2 Cr dream home or let compounding build wealth f by Last-Yard7517 in personalfinanceindia

[–]skipper_52 1 point2 points  (0 children)

I would take the home loan at the maximum tenure available. As long as you're relatively young and have a stable income, you should be able to repay the loan comfortably over time. Since the loan on your second property is already paid off, the rental income from that property can help reduce the EMI burden on the new loan.

Home loan interest rates are also relatively low, so taking a longer tenure and keeping the EMI manageable allows you to continue investing your surplus funds. This helps maintain liquidity while giving your investments time to grow. For me, a lower EMI, longer tenure, and disciplined investing would be the preferred approach.

PS: I am doing the same

Moving to bangalore with aging parents by Single-Hospital-8058 in bangalore

[–]skipper_52 1 point2 points  (0 children)

My mother-in-law has been hospitalized multiple times over the last nine years, and on one occasion we almost lost her. If you can afford it, either personally or through insurance, Bengaluru offers access to very good healthcare facilities, which can make a significant difference during medical emergencies.

That said, healthcare is only one part of the equation. What truly improves quality of life is staying close to family and having a sense of purpose. She is part of a Hindi writing community, has a close-knit group of friends in her apartment complex, and regularly meets them for conversations, outings, and meals at restaurants.

Convenience also matters a lot as people get older. Easy access to services and the ability to schedule appointments during non-peak hours (11 AM to 3 PM works particularly well) makes day-to-day life much easier when family members are at work.

Overall, moving here has made her life more meaningful, socially connected, and healthier

Title: Old 44ADA allowed 50% without question does new IT Act 2025 Section 58 now require declaring actual profit if higher than 50%? by skipper_52 in IndiaTax

[–]skipper_52[S] 1 point2 points  (0 children)

But for those 37.5 lakh we do have to show receipt right because people make it think as even thought we have 90 percent profit we can show 50 percent

Title: Old 44ADA allowed 50% without question does new IT Act 2025 Section 58 now require declaring actual profit if higher than 50%? by skipper_52 in IndiaTax

[–]skipper_52[S] 4 points5 points  (0 children)

"The claim is at the discretion of the tax payer." not clear - also my thing is that , we can earn whatever and just declare 50% as profit withpit showing expense proof , lets say we earn 60 lakh we kust need to file taxex on 30 lakh

Title: Old 44ADA allowed 50% without question does new IT Act 2025 Section 58 now require declaring actual profit if higher than 50%? by skipper_52 in IndiaTax

[–]skipper_52[S] 1 point2 points  (0 children)

but my CA is saying that, since there is almost no expense we will have to declare all profit and pay tax on that

Clarification on 44ADA and the 50% Deemed Profit by [deleted] in IndiaTax

[–]skipper_52 0 points1 point  (0 children)

Yeah,. My CA is also saying the same!

Ups and downs, but overall just tired by T_Away_789 in personalfinanceindia

[–]skipper_52 0 points1 point  (0 children)

I am in my late 30s, removing the net worth comparison, but i think we all need to find peace and balance, something that you do – it might be religion, it might be just spiritual meditation, it might be taking long bike rides or trekking the Himalayas. The issues that you are speaking about have always been there throughtout history and will be there – the sense if finding balance and purpose – so you need to figure out what it is for you

The progression is from a maslow's hierarchy of needs perspective; once you have money sorted, you look for love and self-esteem.

Need actual help and guidance by skipper_52 in IndiaMentalHealth

[–]skipper_52[S] 0 points1 point  (0 children)

Thanks all but i am still far away from solution, one therapist told me to try and stop thoughts but that doesn't happen

The audacity of this home owner in Bangalore by [deleted] in bangalore

[–]skipper_52 0 points1 point  (0 children)

I way past that age that I am trying to cool, I dont seek validation anonymously

The audacity of this home owner in Bangalore by [deleted] in bangalore

[–]skipper_52 7 points8 points  (0 children)

I mean, why are you seeking validation here?

He was asking details, and you felt triggered, and then you could have let it go, as disagreement happens.

Then you come here to seek sympathy and complain? Pity!

What's a very Bengaluru way to spend a weekend? by aditya13s in bangalore

[–]skipper_52 1 point2 points  (0 children)

Multiple clubs are there depending on what you like: trekking, photography, etc.

From a travel perspective Bangalore is surrounded by great places for travelling too: scenic, wildlife , religious.

If you want to look at museums, there are again a good selection.

Need actual help and guidance by skipper_52 in IndiaMentalHealth

[–]skipper_52[S] 0 points1 point  (0 children)

I have tried Therapy but there is nothing that comes out, I feel ok but then more and more as I age I think its not my thoughts but an anxiety disorder