KunjanPSD
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Posts posted by KunjanPSD
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On 8/19/2024 at 7:42 PM, dante77 said:
Mitsubishi. The only other AC brand that is on par with General.
Also, General India SKU is sh*t. Don't buy. Buy only Thailand ones.
Mitsubishi is all import for now. I personally bought Mitsubishi this season. Costs much more though
All other brands cost 32k for 1.5ton inverter AC. Mine one costs 52k without pipe.
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.
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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.
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10 hours ago, North said:
Marriot's running a scheme for 45% extra points if you buy points, tempted to buy 10K points - would get 40% extra, making it 14,000 points.
Lots of decent Marriot stays at that range, including the Aravali property close to Delhi. Have stayed twice now - its top notch.Has anyone else done it? Also considering getting the HDFC Marriot Bonvoy CC, just tempted to have some nice stays and earn points for that.
I do have a bunch of HDFC points as well, typically I'd transfer to Air India Maharaja Club, for domestic flights, but I've heard Accor is the best partner for transfers? Any expert advice?
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.
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3 minutes ago, 0verlord said:
I called customer care today and got this activated 👍
whenever you travel abroad, the default payment mode is to pay in local foreign currency right? So that the transactions are all non-DCCI mean when do you need to DCC transactions, if at all?
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.-
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48 minutes ago, LordSpymaster said:
This GVP should be useful for international spends using CC abroad as well right? I wanted to activate this for SGP last year but barely anyone accepted Diners, hopefully South Korea is different...
It's only for non-DCC spends, whether that's inside or outside India.
And it hardly costs anything.
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56 minutes ago, Snake said:
And how do we get it started?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.
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2 hours ago, 0verlord said:
Is HDFC Global Value program still functioning? @KunjanPSD
They brought it back from dead a couple weeks ago, same stuff. So yes, functioning.
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14 minutes ago, playstationdude said:
I see. Ive been investing mainly in quant and Mirae. Any other suggestions?
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.
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19 minutes ago, playstationdude said:
Yeah currently i invest completely in ELSS. I think ill do as you suggested
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.
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5 hours ago, playstationdude said:
Thanks, im actually looking to keep making smaller investments and hold over a longer period of time. I haven't been able to seriously take up and study the fundamentals of investing, but I think I'll start spending some time over weekends now
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.
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43 minutes ago, playstationdude said:
What are some good stocks to pick at this time?
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.
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2 hours ago, hope said:
No good news is being considered by Market. It will fall more i think. People are still hopeful of upside
When these people give up then upside will come
Invert, always invert.
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If you do not start buying now then you will never get exponential gains.
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Now one expected that from ICICI.
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19 hours ago, hope said:
Interstellar was truly special again
Maza aa gaya
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.
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6 minutes ago, AnK said:
*Someone’s friend is
I never said anyone is lying…
Just said it’s officially a ONE TIME AUTHENTICATION.
No other information available on the web…..
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.
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18 minutes ago, triggr happy ss said:
Dont lie bro ,let ank prove all your friends wrong in his next post.
He will first have to buy a Pro and stop watching Youtube.
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42 minutes ago, rushab oswal said:
my friend who got it a month back and was already playing games on disc, was locked out yesterday. its not one time (sony may say so), but there will 100% be checks in place to keep that drive in check (to avoid piracy)
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.
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9 minutes ago, AnK said:
That would be sublime…Abbey yaar kyu bahas kar raha hai
Yeh pad aur rasta naap 🙏
https://gamefaqs.gamespot.com/boards/264562-playstation-5/80633635
It’s called “ONE TIME AUTHENTICATION” for a reason..
This is the official line….what happens with one or doesn’t with another,no one gives a sh*t!!!
You doing something in your private moments is only your problem!!!
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.
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Ek baar IVG ka outage phirse hojaye, aadhe logo ki waist size kam and job productivity increase hojani hai
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2 minutes ago, AnK said:
It’s quite crazy that you decided to share what happened with one friend (for god knows what reason) & didn’t share what happened with another
It’s got nothing to do with Pro btw…..all detachable drives work the same on Slim & Pro both…
Also it’s got nothing to do with who bought what on which date!!!
FUD misinformation is FUD misinformation….
Just like sworn pathetic losers are sworn pathetic losers!!!
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.
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50 minutes ago, AnK said:
This is false information FUD.If disc drive was already synced…it will work just fine offline.
It definitely is some sort of server attack.
Hopefully not as severe as 2011.
Lmao
What a pathetic way to celebrate…
It does every now & then but no one celebrates it!!
Obviously this is something major that lasted 18 hours.
Hopefully everything is safe….
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.
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Been almost a day and no pony post here.
The silence.
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1 hour ago, triggr happy ss said:
Can’t imagine the outrage if this was xbox
And one can't even play disc based games on Ps5 Pro because syncing doesn't work.
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