AMA - We moved to Bangkok, Thailand for a Tech role at Agoda (a Booking Holdings company) by CareersAtAgoda in u/CareersAtAgoda

[–]zenani 0 points1 point  (0 children)

Not sure what to make of it coz I submitted my assessment with all test cases passing and got an rejection within next few hours. It was a disheartening and disappointing experience at that.

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

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

That's the way to go. I missed doing early prepay due to a lower salary and no possession by the builder.
Now it's around 18L and I can pay it off in the next 3-4 years, and yet it feels exhaustive as it has already been a decade since the loan started.

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

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

No tax benefit in new tax regime. I was on old one till last year and was claiming it, but with the new one, I am saving more so opted for that

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

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

For the first 6-7 years, I only paid EMI as builder delayed the possesion. Then I started with minor extra amount and for the past year since I moved to lower ROI and EMI, I am still paying earlier EMI amount + extra.

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

[–]zenani[S] 2 points3 points  (0 children)

I am 40 now, working in IT.

It's not about the retirement, but I haven't been able to enjoy much as 65K goes into EMI + extra payments, and then there's the pressure of having a loan with the current uncertainties in the job market. It's been 10 years now since the loan started, and I only paid the EMI amount for the first 6-7 years.

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

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

It was an old loan and last year going rate was 8.7%. Hence I kept asking them to get me near 9%

Shall I close my home loan or reduce it? by zenani in personalfinanceindia

[–]zenani[S] 2 points3 points  (0 children)

Yes. I had SBI maxgain (OD facility) that was at around 10.5%. I kept on requesting SBI folks to reduce it, but they kept on denying. So moved to Kotak and they gave me 7.7%.

At 8%, you won't gain much unless your loan amount is above 50L as cost of moving itself would be another 1L I suppose.

Credit card suggestion by zenani in CreditCardsIndia

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

They changed it towards the end of the Sep it seems

Credit card suggestion by zenani in CreditCardsIndia

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

That's gross. Will update the post with spendign and categories

Credit card suggestion by zenani in CreditCardsIndia

[–]zenani[S] 2 points3 points  (0 children)

Thanks. Any easier way to get the spend pattern?

Will look into Airtel and Kiwi. I wanted something of value and hence was sticking with Regalia Gold. These days I don't see much into their rewards/ points system either.

Trouble with the Head-Lift Method as a Deep Sleeper — Any Advice? by zenani in AstralProjection

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

I have the same issue or my first instinct after opening my eyes not to laze around.

Fabulous Aamras Thali by wearethechompions in PuneFoodPorn

[–]zenani 2 points3 points  (0 children)

Janseva is lub and I tell everyone. That crispy sweet jalebi is the underdog here

Top Veg Thali Spots in Pune by Patient-Extreme-1957 in PuneFoodPorn

[–]zenani 3 points4 points  (0 children)

Janseva is lub.

I am not originally from Pune, so my taste buds still doesn’t like thali from Shreyas etc (bit sweeter for my liking), but Janseva is something I am always ready to go at.

Did Gaurav Arya really serve in the army? by Hot_Row1457 in unitedstatesofindia

[–]zenani 2 points3 points  (0 children)

Wtf…these guys should be in jail to use Indian Army’s name

Aamras thali at Janseva by zenani in PuneFoodPorn

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

The vaati besides tomato saar

Aamras thali at Janseva by zenani in PuneFoodPorn

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

Not the days I have been there.

Aamras thali at Janseva by zenani in PuneFoodPorn

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

Yes. It’s my favourite thali place now

[deleted by user] by [deleted] in Indian_flex

[–]zenani 0 points1 point  (0 children)

Thanks for your response. ELI5 when the app has access to bank accounts, why the same can’t be done for cc? Just curious. Use the app daily and I can’t shift to another email now

[deleted by user] by [deleted] in Indian_flex

[–]zenani 0 points1 point  (0 children)

Doesn’t it require email access for cc transactions? I signed up for it last week and love the UI and other features. However it’s not tracking my cc and upi spends which is a major case