I'm a beginner and have been running a 6-day PPL split for about a month. I'm finding that 6 days a week is a bit too much for me right now. I'm constantly sore, recovery isn't great.

So I'm planning to switch to a 5-day PPL + Upper/Lower split. I used Claude to generate a base program and then tweaked it a bit myself.

Day 1 – Upper

• Flat Barbell Bench Press
• Chest-Supported Machine Row
• Seated Dumbbell Shoulder Press
• Lat Pulldown
• Overhead Triceps Extension
• Preacher Curl
• Face Pulls

Day 2 – Lower

• Squat
• Romanian Deadlift
• Leg Press
• Leg Curl
• Standing Calf Raise

Rest

Day 4 – Push

• Incline Barbell Bench Press
• Cable Fly
• Seated Dumbbell Shoulder Press
• Lateral Raises
• Overhead Triceps Extension

Day 5 – Pull

• Deadlift
• Lat Pulldown
• Seated Cable Row
• Deficit Pendlay Row
• Face Pulls
• Hammer Curl
• Preacher Curl

Day 6 – Legs

• Hack Squat
• Bulgarian Split Squat
• Leg Extension
• Leg Curl
• Calf Raises

P.S. I have added face pulls twice because i have round shoulders

My father bought a LIC ULIP (Flexi Smart Growth Fund) for my mother (age 46) in Dec 2025. The premium is ₹4,000/month, with a 15-year premium-paying term and a 20-year policy term. The sum assured is ₹4.8 lakh.

I recently sat down and compared it with a simple SIP in Parag Parikh Flexi Cap Fund, and the difference was much larger than I expected.

• ULIP estimated maturity value (2045): ~₹12–14 lakh
• PPFCF SIP maturity value (2045): ~₹35–37 lakh (assuming 12% CAGR)

The policy is only about 6 months old

How to get out of this situation?

Hi everyone,

I am a Indian student and talking about Indian passport

I got my Tatkaal passport in February 2026 because I needed it for my CFA Level 1 exam.

About two weeks after receiving the passport, I got a call from the local police station for verification. Unfortunately, I forgot about it and never went for the verification process.

It's now been around 4 months since then, and I haven't received any further communication. I will need to use my passport again in August 2026 for my CFA Level 2 exam.

Has anyone faced a similar situation?

* What happens if the post-issuance police verification is not completed?
* Is my passport still valid?
* Should I proactively contact the police station or the passport office now?
* Could this create issues when I travel or apply for visas in the future?

Any advice would be appreciated. Thanks!

Building a practice tool specifically for CA Foundation Maths.

Idea is simple — attempt real ICAI past paper questions, mtp, rtp etc, get told exactly which topics you're weak in (TVM, Probability, Statistics etc.) Would you pay for this and how much?

Do you think it will work? or any suggestions