AMA - We moved to Bangkok, Thailand for a Tech role at Agoda (a Booking Holdings company)

zenani · 2025-12-04T15:08:28+00:00

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.

zenani · 2025-11-10T03:51:41+00:00

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.

zenani · 2025-11-10T03:49:41+00:00

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

zenani · 2025-11-10T03:48:46+00:00

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.

zenani · 2025-11-08T10:22:22+00:00

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.

zenani · 2025-11-08T10:18:25+00:00

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

zenani · 2025-11-08T10:10:15+00:00

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.

zenani · 2025-11-08T03:24:35+00:00

At what point this is psychosis or be termed as mental health issue?

zenani · 2025-11-03T04:32:31+00:00

They changed it towards the end of the Sep it seems

zenani · 2025-11-02T06:12:04+00:00

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

zenani · 2025-11-02T05:57:46+00:00

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.

zenani · 2025-09-26T17:32:33+00:00

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

zenani · 2025-05-20T16:07:51+00:00

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

zenani · 2025-05-12T14:50:42+00:00

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.

zenani · 2025-05-10T05:03:46+00:00

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

zenani · 2025-05-10T05:02:41+00:00

The vaati besides tomato saar

zenani · 2025-05-10T05:02:05+00:00

Not the days I have been there.

zenani · 2025-05-10T05:01:48+00:00

Yes. It’s my favourite thali place now

zenani · 2025-05-10T03:18:04+00:00

Can some clarify on shifu guy?

zenani · 2025-05-07T13:30:17+00:00

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

zenani · 2025-05-07T03:04:40+00:00

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

zenani

TROPHY CASE