My signature was  
 my name with a smily at school

Software Engineer

Don't think it holds any value tbf, everything is linked to a KYC doc. I haven't cashed a cheque in a decade.

Have you not signed KYC documents, self attesting?

Consultant

Again I'm not sure what's the value addition while "self attesting" other than a sign for a sign sake. You can't open a bank account in my name with just perfectly copying my sign.

Data Scientist

Literally yesterday my credit card upgrade was declined because the sign I did on the upgrade form did not match with what bank has :/

Product Owner

And they never match  Hopefully banks believe in me 🙏

And they never match

Hopefully banks believe in me 🙏

Mine is more of an autograph 🙈

Mine is more of an autograph 🙈- Grapevine

Welcome to Personal Finance's Private Community

Here is the break-up - 
Residential Plot we Just bought from our Indian Stock Selling - 90L
Equity - 40L
Crypto - 6L
US Stocks - 26L
Mutual Funds - 10L
NPS and EPF - 22L 
Cash - 6L 

I have not factored in inheritance of about 1CR which will be passed on to us in a long time but I don't want to count that as mine I want to pass that to my son... As that will be his not mine! 

3.5 year back I had a educational loan of 17L and my Wife had Equity of 17L so basically we were at 0 at that time... 

Nothing has changed at all for me... And I do not think even 10-20CR would change me too 😉 I am still a confused stupid... And will be forever ♾️

I have resigned from my current job as I was not satisfied.. I am looking out for more opportunities outside so that I can build the house with that money! 

Even with 2 CR I don't think I have achieved anything ... I have a long way to go from here ☺️

Reached about 2CR! Still Feel Poor! WTH is Wrong!

Not 2Cr even 20Cr you won't be satisfied. 
  
 First, think about what you want out of life, money is not (the only) goal.

Product Manager

In childhood, I used to fancy a lot about business cards. The titles, fancy contacts, emails, websites used to amaze me. I observe that person's outer lifestyle, how they speak and behave. The professional smile they carry on - I started practicing in front of the mirror since then, used to do a lot of imaginary handshakes, and greetings when no one is around, in the home or many a times, while bathing.
I used to check the business cards my father had on the desk, curiously, I used to ask about their titles and what they do. He also said business cards shouldn't be thrown away once the work is done, there's some value to a card that will be understood later.
Even after I stepped into college, he said when people offer their cards, it shouldn't be thrown away even when there is no business to deal. We should still respect the other person.

After I started working, I saw my L2's business card and I was exclaimed and I should be getting that title sometime in the future. He told me to apply for the business card, I was nervous as I was a fresher, by then.

Few weeks later I got hands on my 1st business card. Oh God! that feeling was damn high with teary eyes. Took a deep breath, read my name, it sounded dashing.
I first gave it to my dad, he was very proud and kept it in his wallet. Mom kissed the card. Went to my grandparents home, handed it to my grandfather, his eyes and the feeling he had that moment - he was damn proud of me!

In the beginning, I used to handover my card after the meetings with a single hand, in a western style. Then I was taught the proper way of issuing:-
When we meet someone, be it a meeting or a first-timer, after the firm handshake, we should give our business card with both the hands and then get to discuss about the business or the meeting, mostly Indian way.

With QR codes, websites, LinkedIn around, culture of business cards shouldn't die.

Do share the story of your first business card :) and how's it going?

[Thread] First Business/Visiting Card [Experience]

Growth Manager

As u guys know only 5L is insured, I want to know how much you’re comfortable keeping in account? Maybe someone’s living expense could be 10L a year and they are okay with keeping that as emergency fund liquid, just an instance. But given the kinds of scams and stuff that go on in wild, what is a good formula or number of Lacs to keep in bank account? Maybe u have several accounts for different purpose and u divide it? Please share your views.

[Thread] How much are you comfortable keeping in ur Bank account?

Hey all! Quick question – who here has a housing loan and what are your interest rates? I got mine during COVID at a decent 7.4%, but now it's up to 10.52%. 😵 That's quite a hike, especially when I look at what other banks are offering. I'm thinking about switching. Anyone else gone through this or have any advice?


PS: I did ask my bank to cut me some slack, and they dropped it from 11.10% to 10.42% once. But now, it's crept back up to 10.52%. Would love to hear your thoughts or if you've dealt with something similar!

Housing Loan Rates Got Me Thinking 🤔

My mother called me yesterday and tells me she got scammed for about 10 lakhs and needs money by Monday. She has 4 lakhs and I will have to cover the rest. Turns out she let a friend take a loan in her name and this friend gave fake jewellery as collateral. The friend took loans under her husband’s name and my mom’s name, she divorced the dude and escaped. The bank called my mom and has asked her to pay, now they’re filing a case against my mom for fraud.

I’ve spent my weekend talking to advocates and friends, and looks like the only way to get out of it unscathed is to cut a deal with the bank saying we’ll pay the money back and they don’t press charges in return. Contesting the bank is going to take time, money and the risk of my mom losing her job.

As an older daughter who grew up in a broken family, I’ve spent my childhood and adulthood protecting my mother and sibling. I finally landed a well paying job 2 years ago and now the responsibility extended to providing for my younger sister and my mother financially which I’m more than happy to do. I’ve worked hard the past few months to save what I have right now beyond what I give my family, use to sustain myself and finally felt happy about the position I’m in.

Now I’m heartbroken. I’m going to be emptying almost 70% of what I have so far for this for paying the bank and the lawyer. Especially for something that’s not even my mistake and something that could have been easily avoided. I’m not in a place to direct my anger at her, I know it’s a hard time for her as well. 


6 to 7 lakhs might sound like a small amount to some but I don’t have the privilege to throw money like that. I don’t have fuck you money. I don’t take money from friends. I’m 25 and literally just started my life 2 years ago after working for peanuts. 

What’s even the point of working hard, leading an honest life if this is how it works? It’s just truly unfair and I don’t know how to deal with it.

I wish life was a little easier and I just need to vent

Me too venting in this space.. 
 //Start if rant 
  
 My father too was frauded by a builder whom we had entrusted building flats on our plot of land. Fcker took booking amount from multiple people and left construction, claimants now coming after us saying its our responsibility to refund even though my father didnot recive any amount. 
 I had to take 18 lakhs loan for my father to complete construction and am all the time calling advocates in assesing risk from claimants who come barging at our home and building site with threats of filling FIR. 
 Every month my one third salary goes in Loan amount, had got a ideal wlb good paying job 2 years back after battling unemployment and low pay for many years. 
 Had planned to take wife and kids on vactaions for making up for lost time but now struggling to fulfill basic needs for family, forgot about vacations. 
 Have taken risk and moonlighting but it becomes hell on days when there is clash between jobs and sometimes lash out on my kids and wife and parents and then get hit by double guilt of not being strong enough.  
 Dont have any backing to face cheat builder who has backing of police and politicians, claimants coming after us as they have recognized us as soft target. 
 Preparing for 10 lakhs more expenses in multi year litigation trying to probe my fathers innocence. 
 Fcking jealous relatives enjoying all this from distance. 
 Fck this world. 
  
 //End of rant

Hey everyone, Can you recommend a good credit card for great discounts on flights and maybe shopping too? I already have ICICI CC(lifetime free) but it does not provide any flight discount or launge access at airports.

best credit card for discount?

Welcome to News Discussion's Private Community

Don’t fall trap to Indian IT companies with 3.5 LPA package in 2023 !!

Compliance Manager

This is a funny happy moment for me, and I wanted to share it.

The picture below is from my handwriting practice notebook (4 lines are better to train the brain on the height of what each alphabet should be)

For context, I am ambidextrous. I used to write with both hands when I was young, but then dropped it when I was around 7.

I have been wanting from a long time to get my non-dominant hand (right) on the same level of handwriting as my dominant one (left). But I was never consistent with my practice, leaving it for months or years altogether. 

The picture is my random practice session today. 

But what a surprise it was! The alphabets on the first line are near perfect to how I write with my left hand. When I was writing, I kept saying to myself that "my brain has forgotten that I am writing with my right hand 😂". I showed it to my mother telling her the same thing 😂

Then I decided to test it further, started to write sentences, and lo and behold, my handwriting was actually very good. This surprised me, and made me super happy altogether.

This is my small celebration of coming close to achieving a dear dream. This made my day!

My brain decided to surprise me

Crypto was promised to be the bane of fiat currency, evil central banks and centralised control over financial transactions. The more I understand it, the more it seems technically feasible and very much possible but practically difficult due to opposing forces.

The globally coordinated push for CBDCs (central banking digital currency) by central banks, government regulations on decentralised currencies as well as the loss of trust of investors and public in crypto seems to have put power right back into the hands of the already too powerful.

Will we ever see a world where currency isn't controlled by the powerful central banks and governments? Is it possible for decentralised currency to make a comeback at all?

Has the promise of cryptocurrency failed?

Pick your poison- 
 Fiat currency controlled by central banks backed by private equity and rich people 
 Vs 
 Cryptocurrency controlled by tech bros backed by private equity and rich people

Founder

Software Developer

What is your CIBIL Score and how many lines of credit due you have open currently? (loans + credit cards).

My score is 787. With 5 active credit cards.

Mine is more of an autograph 🙈

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