KunjanPSD

Yeah, all good. I just open the seal of every box I am carrying, like even though Disc drive is under 50k, just open the seal. Better to not give these folks any reason. In the off chance, you don't even need to tell them that you brought a laptop, just tell them it's your personal one which you have been carrying. Although, no one will bat an eye over these 2 items.

Deep cuts but this is what separates the men from the boys. The deeper the cut, the higher probability of 25% CAGR over long term (given you invest in quality).

Daikin hi lena hoga phir toh.

Hey, do you know of any dealer who is selling Thai manufactured General Window ACs? Need to replace one before the heat hits, has to be window and hence Mitsubishi is out. Otherwise I am going to get a Daikin this time.

Is there any guide which doesn't provide spoilers but just enough so that I don't miss anything or overlook at secret? Haven't bought the game but just about to. It's digital only? 3999 on PSN but all the discs listings seem shady or priced at 6k.

Marriot went through a deval few days ago. Mostly butchered top end properties because the universal daily cap of 150k points was removed. That has had some trickling changes for all the Marriot universe though. Plus the fact that Marriot points bonus hardly provides extended value, I think you might just break even at your cost. You will have to check for dates and exact availability. As for HDFC Marriot, good card especially given the one night award. For the points transfer, depends what card you have and what's the transfer ratio but Accor is not necessarily the best given that HDFC went from 1:1 to 2:1 for a lot of the programs. You shouldn't transfer unless you have a plan, keep them with HDFC and once you have your heart set towards a particular travel, only then think about transferring.

If you are travelling abroad, you do not need to worry. DCC mainly comes in when an international merchant is making you pay in INR or some online website is doing the same. DCC is always the worst option because then the merchant does the conversion and the bank tags 1% on top. Only in a few cases where the initial conversion is close to the true rate, DCC makes sense like if you book via SQ and pay in INR, the rate is almost a direct conversion, so better to take INR-DCC rate as compared to the forex-fx rate.

It's only for non-DCC spends, whether that's inside or outside India. And it hardly costs anything.

Call CC, they will enable it after asking you to submit a form. https://offers.smartbuy.hdfcbank.com/offer_details/gvp/24664/Z2epmWc%3D It's a no brainer. 199+GST/year, get 1% upto 1000 per month i.e. 1L worth of spend. Plus for the first year you get 500 RPs.

They brought it back from dead a couple weeks ago, same stuff. So yes, functioning.

You have to understand the investment philosophy behind every fund. I also invested in Quant but I knew very well that this kind of performance is not sustainable and doesn't come without under the table information. You can see their under-performance over the last year. While you don't have to stop your investments in their schemes, it can't be a major portion of your monthly SIP. Look to invest in the following: 1. Nifty 50 Index (decent AUM, lowest ER) 2. Nifty Next 50 Index (decent AUM, lowest ER) 3. PPFAS 4. Tata or Similar Small Cap 5. Small % in Quant schemes. 6. Possibly a Nasdaq fund when the limits open Stay away from thematics.

Tax benefit of ELSS is kinda toast now given the new tax regime. Unless you claim considerable exemptions via HRA or a house loan, I don't think it makes sense for anyone to stick to the old regime. Also 1.5L/year doesn't cut it and no point in investing more than that. Switch to a basket of Index, flexi and small-cap funds.

I think you should allocate 95% to MFs and only 5% to direct stocks. Use the 5% to learn while the rest builds your wealth. My own PF is 30% MFs.

It would be unwise of me to recommend stock names because my style of investing might not suit yours. My research and thesis for any given company requires atleast 5 years of holding period and calls for a bulk investment when the stock and the fundamentals crumble to a point that the probability of inversion is high. Self research has allowed me to hold stocks throughout the cycles i.e. company being worshipped when it was a quick doubler and being hated when the stock crashed 70%. Over the years, I have mentioned plenty of them in this thread, mainly in the pharmaceutical/healthcare domain. Most folks won't agree with paying a higher price and squating through as the stock evaporates while the business's intrinsic value gets better. Though that's exactly how I have maintained an XIRR of 35% over the last 8 years. Not great by any means but that's what works for me. So even if I recommend stock names, it's highly likely you will face atleast a 30-40% cut in March and I am not sure if you will be able to hold through. That being said, I think if one invests in a basket of a good MFs and remains disciplined with SIP, one would be able to create serious wealth over the next 7-10 years and not take risks with individual stocks. If you still want some to study then you can look at Eureka Forbes, Deepak Nitrite, Hikal.

Invert, always invert.

If you do not start buying now then you will never get exponential gains.

Now one expected that from ICICI.

Absolutely. Such a delight. But I hated the folks who kept talking through the movie and explaining to their friends about what has happened and what will happen.

Arre bhai, I am using my friend's Pro and I faced the issue. Padh toh lia kar dhang se. Practice edging, sentence padha nhi and mamla khatam tere liye.

He will first have to buy a Pro and stop watching Youtube.

Bhai, kuch bhi bol lo but jiske pass Pro nhi hai uske pass zyada knowledge hai system ki as compared to who has been dailying a Pro for the past 4 weeks.

Bhai mera kya hai, me aaunga hafte me 1 baar, maze leke chle jaunga. Abhi bhi wohi kia. Zindagi toh aapko chalani hai idhar, khush rho.

Ek baar IVG ka outage phirse hojaye, aadhe logo ki waist size kam and job productivity increase hojani hai

Bro, I wrote I am using my friend's Pro. Me toh apna experience hi likhunga na. The hardware and software is made by Sony, who else can I blame? Xbox? Literally non sense.

I have been using my friend's Ps5 Pro and even though the disc was previously paired, it checked for infringement or something and locked itself out. On the other hand, my other friend's pro is working fine. Just because you don't have a Pro and are not facing the issue, doesn't mean it can't happen to others. And I am not celebrating, I got Ps5 before you did (Day 1) and will soon get Ps5 Pro as well, again before you do. I play in a 10:1 ratio on PS vs Xbox but while I treat this forum as a place to connect, you think of this as a place to argue. Relax and treat humour as humour. This is Ps5's thread, not Ank will die on this hill thread.