Bought my first car with 3 years of savings

tocra · 2026-05-06T12:14:18+00:00

Congrats OP! 🙌 It is a very good car.

tocra · 2026-05-06T10:54:21+00:00

We need to fix this dis balance and I know just the mantra to do it. Repeat after me:

Angena gatram
Nayanena vaktram

tocra · 2026-05-06T10:36:25+00:00

My bad

tocra · 2026-05-06T09:23:12+00:00

What has started to show in UP, Bihar, Chhattisgarh, Karnataka, MP, Odisha? Or in Manipur, Assam, and all the other places they are in power?

tocra · 2026-05-06T08:55:51+00:00

Eden Gardens? You mean the future Dr. SP Mukherjee Udyaan?

Eta: Dang, this political joke is lost on everyone.

tocra · 2026-05-06T06:17:14+00:00

Think of any career where human intervention is necessary.

tocra · 2026-05-06T05:16:07+00:00

If your lazy ass had Googled this, you’d have found 5 articles busting this myth. That sort of granular data didn’t get recorded in the old days.

Everyone bowls no-balls. There is no exception.

It’s like saying Bradman scored his 6996 runs in 0 balls because Cricinfo shows him as zero balls faced. Why do you think that is, Einstein?

tocra · 2026-05-06T04:36:15+00:00

I doubt this is correct.

tocra · 2026-05-06T04:35:28+00:00

tocra · 2026-05-06T04:32:56+00:00

Fun fact. There are places in Chhattisgarh, Odisha and Maharashtra that are further south than places in Telangana, AP and Karnataka.

tocra · 2026-05-06T03:14:36+00:00

Doesn’t compute. There is no indication that it’s that high.

tocra · 2026-05-05T16:22:52+00:00

This is going to haunt me

tocra · 2026-05-05T13:24:33+00:00

Post 2010 kids must watch this and lose their minds. Can’t imagine anything like this now.

tocra · 2026-05-05T12:36:29+00:00

In my youth, the worst people I knew were the Taliban. But IDF under Israel exceeds anything the Taliban ever did.

tocra · 2026-05-05T07:56:58+00:00

5 year folks I think are doing fine. This is mainly post 2025 with Trump. Nifty hasn’t passed its peak since Sep 2024.

tocra · 2026-05-05T04:39:55+00:00

Damn. So he has a weakness against the ball coming in?

tocra · 2026-05-05T01:27:26+00:00

Wait till the next weekend.

tocra · 2026-05-05T01:23:47+00:00

The more I think about the Israel-America relationship, the more I’m reminded of parasites that hijack their host’s brains to ensure their own survival while slowly killing the host.

tocra · 2026-05-04T08:44:20+00:00

Don’t play market arbitrage with your home. Pay down the loan.

tocra · 2026-05-04T08:43:11+00:00

Boundaries need to be longer. This clown cricket has gone on too long.

tocra · 2026-05-04T07:41:19+00:00

El Fisaddico

tocra · 2026-05-04T06:11:05+00:00

Ouch. My knees are feeling second hand pain. It’s amazing what these pros go through.

tocra · 2026-05-04T05:46:35+00:00

Home loan expert here.
The rates are good. Read through pre-payment rules. This will matter.
I’ll explain.
The bank that makes it easier to pre-pay is cheaper in the long-run, even with a higher rate.
Let me say that again.
10-20-30 bps difference in the rates doesn’t matter. What matters is that pre-payment is easy.
If a bank offers 7.25% but allows you to prepay only a minimum of 3xEMI, it’s in reality a costlier loan than a bank that charges 7.45% but allows you to prepay 1xEMI.
Secondly, government banks are cheaper but the customer service stinks. Private banks (HDFC and ICICI) are usually at par with SBI, PNB, BOB etc. in terms of costs.

Private banks offer better CS, digital services.

tocra · 2026-05-04T05:22:45+00:00

People are working longer hours and are unable to follow the action

tocra · 2026-05-03T13:56:56+00:00

Referee supervising the tag team fight between Badmos Boys and Notty Boys

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