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u/LatterOne9009

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Roughly all the routes I have covered over the last three years in my Tata Nexon EV MR with real world highway range of ~220kms.
▲ 71 r/TataMotors+3 crossposts

Roughly all the routes I have covered over the last three years in my Tata Nexon EV MR with real world highway range of ~220kms.

And they say, charging infra is lacking even when almost all modern EVs easily have ~2x more range and more importantly 4-6x higher DC charging speeds than my car.

I would have never attempted this in an ICE car because of cost and more importantly, driving fatigue. As someone who has done these really long trips as a solo driver, the charging stops are always a nice reset and on multi day trips, I have longed for even more charging stops sometimes out of sheer boredom.

I know so many people who have done even more extensive trips, although with higher range EVs. Do share your routes as well!

Link to my recent AMA on driving from Bengaluru to an altitude of 4600m in Nepal - https://www.reddit.com/r/EVIndia/s/5dX4n7GVKJ

u/LatterOne9009 — 9 days ago
▲ 70 r/NepalTravel+3 crossposts

[AMA] I drove from Bengaluru to an altitude of 4,600m in Nepal in Nexon MR/Punch LR

Drove from Bengaluru to Bihar in Nexon.ev MR with a real world range around ~230kms and then drove from Bihar to Muktinath in Nepal in a Punch.ev LR (35kWh) that has a real world range of ~280kms.

Best part? Zero fatigue, zero struggles on the steepest climbs or on the roughest roads!

A glimpse of the kind of roads in Nepal - https://youtube.com/shorts/RxvUxYQtDiY?si=gOuS502M7LtV-o5s

PS - I am also the new mod of r/EVIndia, let me know what you expect from this sub and how can we grow this community further in a productive way!

u/LatterOne9009 — 12 days ago
▲ 2 r/ErgonomicIndia

Amazon Great Freedom Sale is live - check out the pinned guides on this sub before seeking generic purchase advise for ergonomic office chairs, height adjustable desks and everything in between.

Ergonomic Work Setup Mega Guide - https://www.reddit.com/r/ErgonomicIndia/s/SCkQqT7b4G

Height Adjustable Desks Mega Thread - https://www.reddit.com/r/ErgonomicIndia/s/EhdLlmmn3n

Please use the comments section for discussions. Generic posts seeking buying help might be removed, specially during the sale to maintain content quality on the sub.

reddit.com
u/LatterOne9009 — 12 days ago
▲ 25 r/pFinTools

Zepto’s IPO is off. The mutual funds you own did it for you

No clue what led to this but a big win for Indian Retail Investors that need to be acknowledged and celebrated after a trend of blind flow of money into shoddy businesses in the name of new age startups!

valueresearchonline.com
u/LatterOne9009 — 21 days ago
▲ 40 r/pFinTools

I bought an Apache RTR 160 4V in College, and it was effectively FREE - Spending, Investing and Value of Money!

In October 2022, in final year of my college, I bought a TVS Apache RTR 160 4V for about 1.5 Lakhs on road.

Despite having the money to buy the bike upfront, I had the option to pay the ex-showroom price as 6 months No Cost EMI. I opted for No Cost EMI because I understood the hidden costs of No Cost EMI very well and I also understood, I would get more returns than hidden costs from even Liquid Funds in the same 6 months.

>BTW, I understood the hidden costs of Credit Card EMI and No Cost EMI so well that I went on to create India's first No Cost EMI Calculator - pFinTools.com/NCE-Cal

I used the bike for well over a year. During this time, as I finished college, I moved to another state, and then eventually decided to buy a car. I bought the Nexon EV which had a lower operating cost than my bike, and around the same time, the traffic police started fining out of state vehicles in my new city pretty heavily, without much clarity on the solution. Eventually ethanol in petrol also started adding to the anxiety.

All things considered, I decided to sell the bike, but I wanted a good price as it had only 7.5kms on the odo. But the fact that it was an out of state bike didn't make it easy. Eventually, I was able to sell the bike for 98k in August 2025, almost three years later.

Pretty good price if you ask me, but as a finance nerd, all those random videos showing how much my money could've grown if I had invested vs bought something, stuck with me. This is despite the fact that there is no merit to those clickbait videos and that's not how personal finance works in the real world. Thankfully, what happened next armed me with enough data to scientifically disprove those videos. Let's consider what I did vs some alternate scenarios before I conclude with my findings -

So here's what I did: I invested the 98k and bought myself 204 shares of Ather at an average buy price of INR 478.70 on 1st September 2025. Today, in just 10 months, those shares have a value of about 2.5 Lakhs, which means a profit of >1.5 Lakhs or ~153% profit in absolute terms! Essentially recovered the original cost of the bike + all maintenance + petrol cost adjusted for inflation and still in a lot of profit!

But most importantly, I had a bike, a pretty good one at that, when I needed it - which allowed me real Freedom! Trust me, to be able to go from one place to another, without having to depend on anybody else, while feeling good about it and without caring much about the cost, that's something else altogether and you can't put a price on it!

Alternate Scenario 1: Instead of buying the bike, I could have invested the same money in TVS stocks as those random fin-fluencers seem to suggest. Had I invested those 1.5 Lakhs into the TVS stock in October 2022, today the value of those stocks would have been ~4.68 Lakhs! This translates to a profit of almost 3.2 Lakhs, or ~210% in 4 years.

But I bought the TVS bike because that was the best fit for me as a product. Instead if I wanted to save/invest, my analysis must have been different because TVS is not the only stock available in the market, nor is it the best stock necessarily. So it is plausible that I would have invested elsewhere, which brings us to Alternate Scenario 2.

Alternate Scenario 2: Instead of buying the bike, I could've invested the same money elsewhere. Nifty 50 would be a good example as it is India's most prominent index and it reflects how the markets performed overall.

Had I invested 1.5 Lakhs in October 2022 in Nifty 50, instead of buying a bike, it would have become... drumroll please... 2 Lakhs!!! A profit of 50k or 33% in 4 years!!! 🤡

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I can keep on comparing with other asset class investments but that will be redundant and let's jump to the conclusion! Here are my first hand learnings which are also evident from the data presented above -

  1. Spending and Investing are not comparable outflows - Typically people invest their savings and savings is literally the opposite of spending. In a world filled with righteous social media noise, it is very easy to feel guilty about spending on anything that you have always dreamt of because it is a "want" rather than a strict "need". But you know what, if you just listen to money, it will tell you an entirely different story!

Although "alternate scenario 1" seems better than "what I did" in numbers, the thing is, whether I would have bought TVS stock or some other stock or Nifty 50 or Gold or something else altogether to invest my savings in, is a question of what my judgement as an investor would be! This is true for all alternate scenarios where I never bought the bike and rather invested the money.

But what I did consists of my judgement as a college student (buying the bike) and then my judgement as an investor 3 years later. To be honest, I got the opportunity to work deeply in the EV industry after college and this is when I developed a deep understanding of the companies involved. Otherwise, had I invested in OLA instead of Ather just going by the hype on the same day, I would be sitting at a loss of 33%!

So it is important to remember your negotiating skills (which might help you save a lot) is different than your skills and judgement as an investor. Both are important but the two should not be mixed.

  1. Maintain Financial Discipline and awareness - The most important piece in this story, and the biggest gap in the typical fin-fluencer agenda is the fact that most people would not hold on to stock/investment long enough to let it turn into a multi-bagger. It is evident from Alternate Scenario 2 that Nifty 50 has not generated good returns in the last 4 years, except if you remove the last year, the returns would be similar to 33% in 3 years and if you consider two more years (since Oct 2020 to today), the returns would be 150% in 6 years - >15% annually - which is not bad at all for an index. So understand that markets go up and down in cycles and don't let the recent downturn make you stop your SIPs such that you miss the next up cycle. Even though Alternate Scenario 1 paint a much better picture, it is meaningless if you didn't hold on to the TVS stock for the 4 years, through all the ups and downs.

Please also note that my Ather Stock investment might just crash whenever due to something that the management/government/competitor does. This may be entirely out of control and that is the risk for which I am ready as it is a small portion of my investment portfolio that spans across asset classes and geographies. So it is just as important to understand the risk of any sort of investment, and keep your eyes open rather than just buying and holding blindly.

>If you think you do not have the risk appetite or the time, which is totally okay and normal, please stick to Mutual Funds/ETFs. See these posts from r/pFinTools to invest smartly in Mutual Funds/ETFs. If you ever decide to invest in ETFs, make sure to check the premium/discount it is trading at using pFinTools.com/ETFs

  1. Smart Spending is just as important as Smart Investing - Here's what I didn't mention till now. I actually wanted to buy the Apache RR310 originally - a bike that would have costed me twice as much as the bike I got. I decided against it, because I think I would never have been able to utilize the extra power of that bike on Indian roads, and boy was I right! Although I didn't track what I did with this spare 1.5 Lakhs, it went into my portfolio at a very early stage in my life and I am sure I will reap it's benefits for a long time to come.

Another instance that highlights this point strongly - I recently bought some Apple Hardware worth around 7.5 Lakhs. After the price hike, the same computers now cost over 16 Lakhs! And this is not just luck, I carefully planned and systematically hedged against the risk of price hike and possible newer hardware, by following a specific strategy which landed me here.

Earlier this year, I also bought an electric two-wheeler for my father and saved over 10% of what my neighbor paid for the same vehicle using pFinTools Browser Extension and some other smart hacks. You can read more about it here - https://www.reddit.com/r/pFinTools/s/tBKy2M8Fui

I can go on but the point is that it takes a lot of time (and honestly luck) for a stock to even move 10% consistently, and that too is never sure. But if you are clever with your spends, you might be able to save 10% (or much more) easily on many day to day spends, both big and small, at least compared to the next person, which will be a big boost to your personal finance. Credit Cards are a very obvious yet underutilized resource in this field.

>pFinTools can help you get a Credit Card fast with minimal documentation and high approval rates. Apply now for the card that fits your needs at pFinTools.com/get-cc

Whatever the amount, think of savings as an infinite percent returns, because you basically got money that you could have lost. Any returns on an investment of 0 is an infinite percent return.

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I think if we marry the above-mentioned three points, and to summarize the post, we come to this conclusion:

>Do what you have to do, keep an eye on your personal finance too, but most importantly - Do not forget to Live a Little!

Also listen to finfluencers only when they organically feature pFinTools - https://www.reddit.com/r/pFinTools/s/sY1AWKq5mR 😁😁

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Join r/pFinTools today for more original takes on Personal Finance and to share your stories!

u/LatterOne9009 — 1 month ago
▲ 19 r/pFinTools

Got a new Visa Credit Card in the last 6 months or so? You might be eligible for gift cards worth upto 1750 per card!

This is available through the following two offers-

I. New Credit Card Activation Offer: Get a New Visa Credit Card to claim vouchers upto Rs. 750

  1. Activate your new Visa credit card with a single transaction of ₹300 or more and receive vouchers worth up to ₹750
  2. Offer is valid from 7th Feb 2026- 31st oct 2026
  3. Offer is valid for Visa Platinum, Signature, Infinite & Rewards credit card variants (excluding BIN 431581)
  4. Voucher values as per Visa credit card variant: Platinum – ₹250 | Signature – ₹500 | Infinite – ₹750 | Rewards- ₹300
  5. Vouchers available from brands like Amazon Pay, Flipkart, Swiggy and Zomato

Offer valid from February 7, 2026 00:00 GMT - October 31, 2026 23:59 GMT

II. Visa D2C International Spends Campaign Offer: Spend abroad (or at international merchant) to claim Amazon Shopping Voucher worth Rs. 1000

  1. Cumulatively spend more than $1000 or its equivalent in any foreign currency which is equal to or exceeding INR 85,000 at an online international merchant in a non INR currency, or physical spends at an international merchant Point of Sale (POS) or cash withdrawals at an ATM outside the geography of India during the Campaign period will be eligible to win Amazon Shopping Voucher vouchers of INR 1000
  2. Please note that Visa domestic prepaid cards, business/ commercial cards, and corporate cards are not eligible for this Campaign
  3. Spends must have been completed between 15th October ’25 to 15th February ’26 including both days. Coupon can be claimed till 21st July

Redemption Link for both offers : Visit: https://visarewards.poshvine.com/ (you can add multiple cards and claim the offer more than once if you are eligible)

Join r/pFinTools for more such offers and conversations on all things personal finance!

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PS - r/pFinTools has an ongoing giveaway for a 6months FitPass Pro membership and an annual Amazon Prime Plan. Check it out at https://www.reddit.com/r/pFinTools/s/wIb1OWbHz6

reddit.com
u/LatterOne9009 — 2 months ago
▲ 5 r/pFinTools

Prime Day Ends tonight! Here's how the pFinTools Browser Extension can help maximize your savings!

Bank Discounts can be confusing with complicated terms and conditions. Add to that the fact that many offers are only applicable if you opt for EMI - which has its own set of Interest and other hidden charges. Without you knowing it, you might end up paying more than what you needed to!

The pFinTools Browser Extension solves all of this by telling you the best price of any item for your card, after considering all bank offers and hidden costs of Credit Card EMIs - it even shows you the best card to use - all within a couple of clicks. Learn more at pFinTools.com/shopping-assistant or download it directly for your browser here -

🔗 Google Chrome: Chrome Web Store

🔗 Mozilla Firefox: Firefox Browser Add Ons Store

🔗 Microsoft Edge: Microsoft Edge Add Ons Store

In line with what the extension does, in case you want to check the real cost of No Cost EMI or even a regular Credit Card EMI from a mobile device simply go to pFinTools.com/NCE-Cal

Shop the best deals of Amazon Prime Day at amazon.in/primeday

u/LatterOne9009 — 2 months ago
▲ 42 r/pFinTools+1 crossposts

This Prime Day, upgrade your work setup to be truly ergonomic - a complete Guide to Office Chairs, Height Adjustable Desks, Walking Pads and more!

Lately there have been quite a few posts asking for recommendations and reviews. Many are trying to find a good deal during the Prime Day Sales and rightly so. However, many of these posts I see people asking the wrong questions to begin with in terms of upgrading to a proper ergonomic setup, so I thought I would create a guide as a decent starting point.

What is an ergonomic work setup?

Before we begin, it is important to understand what ergonomic work setup is and why. There is no hard definition of this term but it is a setup that is designed to work with your body's natural mechanics and encourage movement so as to prevent fatigue caused by physical strain etc. The shocking part is, there's a lot of things that we have become absolutely habituated to but which cause us a lot of harm without us ever realizing it. For example, there's enough research for the experts to quote things like 'Sitting is the new smoking.'

Ergonomics is just about addressing these habits and opting for healthier choices in our day-to-day work routine. There are some primary elements to it -

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1. Height Adjustable Desks: If you want to switch to a healthier work setup, this is absolutely where you should start. While most people on this sub are looking for a chair recommendation because they work long hours, what they do not realize is that they should instead invest in a height adjustable desk and try to work standing up as much as possible.

This might sound weird to many if you are not used to the idea, but standing up promotes motion naturally and is better than any chair available in the market. Of course you can't be standing up entirely for 8-10 hrs and yes you might want to sit down from time to time, but the most basic Ikea chair is enough for this temporary resting phase before you get up again.

In addition, it is worth noting that while standing at your desk for longer durations, you can either wear some comfortable shoes or invest in a good quality standing mat to avoid strain on your feet.

If you need help picking a good height adjustable desk, you can refer to the following megathread pinned on r/ErgonomicIndia - https://www.reddit.com/r/ErgonomicIndia/comments/1npo0qt/best_height_adjustable_standing_desks_to_buy_in/

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1.1 Walking Pads: Now you can take your height adjustable desk setup further with a walking pad. Because what's better than standing while you work? Walking of course!

When looking to buy a walking pad, here are the primary things you need to look for -

a. Max Weight: Make sure your weight does not exceed this.

b. Max Speed: Anything with a top speed of 6 kmph is enough for most people unless you are extra extra tall. Remember it's a walking pad and you are not even supposed to jog on it.

c. Size: Opt for walking pads that are longer and wider for more comfort, but the larger the size, the more space it will require and the more expensive it will be.

d. Grab Bar: Many walking pads do not inherently have anything to hold on to when you are walking on it. While it is fine for most people if you are using it with a height adjustable desk as you'd be getting support from the desk, it is worthwhile to get a walking pad which has a foldable grab bar that you can hold on to, even if you ever want to use it away from your desk.

e. Foldable: There are walking pads that can fold in half the size for easy storage. Although they are typically expensive, if you definitely want to be able to stow it away when not in use or when you want to sit down, you can look into this.

Basis all these factors, here are the top walking pad recommendations, one from each major capacity -

Model Max Speed Max Load USP Price
Cockatoo Alphapad 3.0 6 kmph 110 KG Foldable Grab Bar INR 6,999
Lifelong Fit Pro 8 kmph 110 KG INR 7,199
Sparnod STH-3004N 10 kmph 90 KG Foldable Grab Bar INR 8,999
Lifelong 4.5 HP Foldable 8 kmph 110 KG Foldable design INR 10,999

Prices mentioned are as listed on Amazon and you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI. You can read more about it here.

Although this is highly recommended, it is not always feasible to have a walking pad, because taking it away from the desk (although very easy) can be a task. It also triggers some space constraints for many. So you can decide based on your commitment level.

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2. Chairs: As much as we know sitting is the biggest culprit in our setup, we cannot always incorporate a standing-focused setup due to many restrictions, not in the beginning at least. That's where getting a good chair is critical so as to alleviate some of the issues with sitting.

But chairs are very tricky. Unless you try them in person, you will never know which one best fits your exact body type. At the same time, a few minutes in the showroom can also be quite confusing and the experience might vary depending on how tired you are while going to the store. On the other hand, there are still many who do not have access to different company showrooms to try the models in many non-metro cities. So here are my top generic recommendations -

Model Price Comments
Green Soul Jupiter Pro (2026) INR 11,490 The cheapest true and reliable ergonomic chair money can buy with all the basic functions and headrest.
Godrej Greta 2.0 High Back INR 17,890 Highest quality components, not just in terms of longevity but also in terms of daily usage.
Featherlite Liberate Game High Back INR 22,299 Most value for money, comfortable and perfect balance between features and cost. Non gaming version (even better value) is also available but can be out of stock a lot of times - https://amzn.to/3PQzNXM
Featherlite Helix High Back INR 29,209 Most feature packed chair in this list, the practical end game for most people.

Remember, these are just my top recommendations. It is very much possible that you like some other chair altogether, and even if it does not have a lot of fancy features but if it works for you, that is the best chair for you. This list is here only in case you do not have the option to try out these chairs before buying.

If your budget is stricter than the cheapest option mentioned in the list, remember that prices listed here are only the listed prices on amazon and you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI. Even after this, if your budget does not allow the purchase and you are facing problems with your current chair, it is better to get a custom seat cushion and back rest than a cheap chair on wheels.

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3. Monitors and Monitor Arms: Having a good monitor at the right position is critical to having a good work setup that does not strain you. Here are the things you need to look for in a monitor:

a. Size: The most obvious thing, the bigger the better but also more expensive. At the same time, do not just chase size without understanding resolution, pixel density and how much space you have.

b. Resolution (Pixel Density): This is arguably the most important aspect you need to consider. Once again, while higher resolution is always better, it comes with a significant price jump too. While it can be an entire article in itself, to choose the correct resolution for yourself, consider the screen size of your laptop (say 15inch) and its resolution (typically FHD or 1080p) and accordingly calculate the pixel density using a website like this PPI calculator. Using this as a standard, you can decide what resolution you need for your monitor considering that you can opt for slightly lower resolution as a monitor is typically farther away from you than a laptop screen.

As a generic guideline, opt for QHD for 24 inch (FHD might also work at a distance) and 27 inch. 32 inch QHD might work if it's farther away from your eyes but opt for 4k for better experience or if the monitor will be comparatively closer to you. Anything above 32 inch, must be at least 4k resolution.

c. Refresh Rate: For work setups, 60 to 120Hz refresh rate is more than enough. Since higher refresh rates typically come with a compromise in resolution, do not opt for higher refresh rates unless you are into competitive e-sports or something.

d. Display Tech: Without getting too nerdy, just remember the important headline here is that there is OLED and then there is rest of the world. While OLEDs are great and can produce perfect blacks, they are typically twice the cost of other display technologies. So if you have the money or your job requires working with accurate colors, opt for OLED displays, otherwise check the relevance of other display technologies for your work and know that the difference is not a lot.

e. Ports: Make sure the monitor has at least an HDMI port. If you want to use it with a laptop which has a thunderbolt usb c port (like a macbook), it is worth getting a monitor that supports charging as well as video streams over usb c. If you often use multiple accessories with your system and you are low on ports, look at options with a hub.

f. Other Features: Depending on where your monitor will be, it will be wise to look for options with automatic brightness control or anti reflective matt coating etc. Also check if you want your monitor to have built-in/good speakers (you can avoid it if you intend on using it with laptop with good speakers or have separate speakers for your setup).

Recommending monitors is tough due to the vast variety of ever updating models available, but the following list should give you an idea of what to look for if you are shopping for monitors primarily for office work etc -

Model Why buy Why avoid Price
Xiaomi 43inch Smart LED TV The cheapest (yet still reliable) 4K TV you can find is actually the best VFM monitor you can buy most of the times. These TVs have multiple HDMI ports that can support multiple devices at once. Remember to look for a PC mode (or something similar) in display settings to turn on prioritizing clear text at close distance. Support for Apple Airplay, Chromecast etc means you can use it as a wireless monitor. Takes a lot of space and is typically incompatible with monitor arms. So you have to place it on your desk/monitor riser which can hinder with your flow, especially if you intend to use keyboard/mouse from your laptop in front of the monitor/display. INR 23,499
Samsung 43inch 4K M7 Vision AI Smart Monitor This is basically same as above but comes branded as a monitor which means a bunch of monitor specific features like USB C, vesa mount support and a center stand to take less space on your desk. This is still a hybrid between a monitor and a smart TV. While you get some monitor specific features, which is good the premium you pay for this compared to a smart TV with exact same display tech is often hard to justify. INR 31,999
LG 27inch QHD Monitor 27U631A It makes the list for having a USB C port which ups the compatibility and future readiness of the monitor in addition to being a fantastic display. While it is a good budget conscious pick, the USB C can charge connected devices only at 15W which might not be enough for anything other than an M series Macbook Air. INR 14,199
Dell 34inch WQHD Curved Monitor S3425DW Comfortable, and top notch matte display with auto brightness adjustment and USB C. This is a wider-than-typical monitor and fits better in your natural vision, without being too wide. More expensive than other options in the same size resolution to the tune that it is a bit tough to justify the value of the premium for the added features. INR 40,449
Samsung 49inch DQHD G9 OLED monitor OLED. Curved. Glare Free. Display equivalent to dual 27 inch monitors placed side by side. The ultimate end game for most people, so much so that it will lure you to work at your desk more. While the 49inch screen is great for certain use cases, many complain of it adding extra strain from unknowingly looking to one side or the other. INR 86,999

The above list contains good yet mostly generic options as it is not customized to any one person's use case. So if you are confused between two options or have a specific budget do let me know in the comments below.

Now a monitor is useless in your ergonomic setup unless you have it setup at the correct height so that you can do your work without having to constantly look up or down much. It is equally important to have the flexibility to change that monitor height according to whether you are standing at your desk or sitting down. A good monitor arm can help you with all of this and also make sure that your desk remains clutter-free. Here are the top generic recommendations for monitor arms to give you a sense of what to look for -

Model Comments Price
amazon basics Single Monitor Arm Fixed height - only buy it if you are not going to be switching between sitting/standing or if you are sure you will not change the height of your chair or your desk too often. While not recommended, provides good wire management, decent tilt and rotation option which is better than nothing. INR 1,599
MOUNTUP Single Monitor Desk Mount Gas Spring Monitor Arm with all the features and decent wire management for displays upto 27 inch or light 32 inch monitors. INR 2,560
Jin Office Monitor Stand Heavy Duty Strongest Gas Spring Arm for peace of mind and/or heavy monitors (32 inch and above) INR 7,989
MOUNTUP Dual Monitor Arm This type of dual monitor arm is important for desks like Green Soul Trigger which have split desk top and if you want to use dual monitors as you can clamp the monitor arm at the joint of the two pieces of the desk top to prevent any bending. INR 4,406

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4. Keyboard and Other Accessories: While these do not come under generic ergonomic work setup advice, I want to share some accessories that can make your work setup way more inviting and improve your productivity. After all the healthiest work setup is the one that makes you happy and helps you get the work done quickest.

Category Model Comments Price
Keyboard/Mouse Logitech Pebble Keys 2 K380s / Logitech Pebble Mouse 2 M350s Underrated yet aesthetically pleasing high quality Keyboard and Mouse with multi (3) device support in a slim profile. INR 3,195 / INR 1,495
Trackpad Apple Magic Trackpad If you are someone like me and are addicted to the macbook's trackpad for the most precise works, the apple magic trackpad is a non-negotiable for a laptop free setup. INR 12,500
Wire Management Robustt Wire Sleeve with Zipper One of the first most prominent things my friends complain about with height adjustable desks is the hanging wires to cater to varying heights. While this sleeve does not solve it entirely, it is the most visually appealing solution. INR 298
Monitor Accessory BenQ ScreenBar Pro Monitor Light Bar If your eyes get fatigued looking at the monitor for long hours for whatever reason, you need to try the BenQ ScreenBar right away as it makes a world of difference and can help boost your productivity greatly. INR 12,988
Webcam Lenovo 510 FHD Webcam Your laptop might have a very good webcam but as long as it is sitting on the desk, the angle of the camera is something that every management 101 course warns about. If you have the budget, consider investing in a good webcam that can sit on top of your monitor and frame you well. As an added advantage, the Lenovo 510 has support of Windows Hello, making logging into your system that much easier. INR 5,498

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I have tried to cover all the bases but I am sure I would have missed a lot. Partly to keep the post short-er-ish and partly because I am sure your experiences would have led to a lot more insights that maybe I missed. So please use the comments section to share your experiences and tips.

Remember, the prices quoted here are listed prices from Amazon Prime Day Sales. The prices will of course vary, especially once the sale ends but you can still rely on this post for recommendations and things to consider. Whenever you want to buy anything, you can use the pFinTools Browser Extension to find the best price for your card for both EMI as well as upfront payment after all the bank offers, coupon discounts and hidden costs of Credit Card No Cost EMI.

You can read more on how pFinTools can help you save money while shopping online by checking out this post from r/pFinTools - https://www.reddit.com/r/pFinTools/s/42Iu4BaJBy

u/LatterOne9009 — 2 months ago
▲ 11 r/ErgonomicIndia

This is the extent to which people use reddit to manipulate things and why the mods have to be extra alert for any sort of miscreants!

People feel bad when we remove content targeting brands because hate sells easily and it's always fun to bitch about authority. What most don't understand is the very obvious pattern in people's activities and the pattern in abuses and threats we get in modmail on banning accounts that seem to have similar agenda.

Once again, r/ErgonomicIndia does not have any affiliation with any brand. We just strive to create a trustable sub where everyone has room to voice their opinions respectfully - be it complaints or appreciation about any brand/any product.

u/LatterOne9009 — 2 months ago
▲ 0 r/pFinTools+1 crossposts

Selling new Macbook Air M5 for 1.2L as I couldn't claim GST on it.

Hi, so I bought the base variant of 16/512 M5 macbook air from flipkart but my CA told me that I cannot claim the GST on it because the bill doesn't have my firm's GST number on it. Market price for the product is 1.5L. It is in mint condition and was opened only for the open box delivery.

Colour: Midnight Black

Price: ₹1.20L (non negotiable)

Location: Delhi/Dehradun/Roorkee/Saharanpur

u/LatterOne9009 — 2 months ago
▲ 0 r/MacStudio

You! Yes You! And You! YOU ALL BOW TO ME NOW! MUAHAHAHAHAHAHAHAHA

well not the homies who already have this

ordered this like 2 months back and I am soooo rich now!

u/LatterOne9009 — 2 months ago
▲ 11 r/pFinTools

Giveaway Alert - 1x Fitpass Pro 6 months Membership and 1x Amazon Prime Annual Subscription worth 1500! Conditions below!

To commemorate 10k members on r/pFinTools, we are announcing the following giveaways -

  1. Fitpass Pro 6 months Membership - graciously donated by a redditor who got their BoBCard Eterna Credit Card from pFinTools.com/get-cc
  2. Annual Amazon Prime Membership worth INR 1500 - just in time for the Amazon Prime Day Sales

How to participate in the giveaway -

1.Join r/pFinTools (more giveaways to come in the future)

  1. Download and try the pFinTools Shopping Assistant Browser Extension for your preferred browser from the following links and rate the extension in the respective extension stores (like Chrome Web Store):

> For Microsoft Edge - https://microsoftedge.microsoft.com/addons/detail/credit-card-emino-cost-e/dheecdanokjfmpllkebcnpofidehcodb

> For Google Chrome or any other Chromium based Browser like Opera - https://chromewebstore.google.com/detail/pfintoolscom-credit-card/jnapejkpdpoacdgankigcbaekfgpkfcb

> For Mozilla Firefox - https://addons.mozilla.org/en-US/firefox/addon/pfintools/

  1. Drop a comment on this post with any genuine suggestion/feedback/comment you might have about any of our product/services and your general experience with it. Go to pFinTools.com or check the pinned comment to see all our products.

  2. Share this giveaway with your friends. Each friend that you share must mention in their comment that they heard about the giveaway from you.

In the same comment or comment thread, add which of the giveaways you are trying to enter (Fitpass Pro or Amazon Prime), as well as the image proof of reviews posted for the pFinTools Shopping Assistant Browser Extension as well.

Basis of giveaway -

Your comment with the necessary details will be critical to consider your participation in this giveaway and the winners will be declared at the end of this month. All tasks mentioned above are not necessarily mandatory to enter the giveaway (except for task 3) but the tasks will have the following weight for digital weighed lottery tool to pick winners:

Task 1 -> 5 points

Task 2 -> 2 points for each download and review. Feel free to download and review on multiple browsers/devices/accounts as long as the reviews are genuine.

Task 3 -> Upto 10 points for the helpfulness/genuinity of your suggestion/feedback/experience with pFinTools that you share in your comment

Task 4 -> For every friend you share, you get 8 points and your friend also gets 5 points.

Bonus Points -> On the last date of decision, we will consider all participants' community karma points (net total number of upvotes received on your posts/comments on r/pFinTools) and you will get 1/5th of your community karma points as bonus, upto 15 points.

Eg - You have 60 community karma points, you will get 12 bonus points.

Posts/comments made after this post/today will also be considered for bonus points. Since we are planning more such giveaways in the future, all your activities on this sub will be considered for future giveaways as well.

_________________________________

Ofcourse mods are not eligible for the giveaway.

Let me know if you have any more questions around this or if I missed to clarify anything. If you are new here, please refer to the sidebar or the pinned posts to see what this sub and pFinTools is all about and Good luck!

reddit.com
u/LatterOne9009 — 2 months ago
▲ 0 r/juridischadvies

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided
  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.
  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.
  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?
  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.
  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.
  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

Original post with images - https://www.reddit.com/r/SchengenVisa/comments/1u5qsbb/help_with_court_case_against_tourist_visa_denial/

reddit.com
u/LatterOne9009 — 2 months ago
▲ 0 r/LegalAdviceEurope

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided
  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.
  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.
  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?
  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.
  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.
  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

Original post with images - https://www.reddit.com/r/SchengenVisa/comments/1u5qsbb/help_with_court_case_against_tourist_visa_denial/

reddit.com
u/LatterOne9009 — 2 months ago
▲ 0 r/AskNetherlands+2 crossposts

Help with court case against tourist visa denial in Netherlands

Earlier this year, I applied for a Schengen tourist visa in Netherlands for a trip through Europe with my partner to celebrate her birthday. Both of our visas were rejected with the exact same reasons -

  1. Justification for the purpose and conditions of the intended stay was not provided

  2. There are reasonable doubts as to your intention to leave the territory of the Member States before the expiry of the visa.

We are genuine travelers, well established in India and we had attached all the possible documents. At 26, we have decent income, assets and are individually homeowners in India. We have also traveled in the past to Singapore and Malaysia together and in addition I have spent 6 months in the US as part of my education in 2022.

We did not agree with the reasons provided and the next visa appointment slots were after our intended trip start date, so we raised an objection against the visa refusal through dedicated secure email channel which was free. We also attached all the relevant documents plus some more documents to reiterate our socio economic ties and purpose of visit.

Still my objection was rejected without any hearing (we are still waiting to hear about decision on my partner's objection). The following reasons were given in the decision against the objection and here's why I think they are wrong -

  1. The officer states that during investigation, they found that the reservation at the Netherlands hotel mentioned in visa application, was canceled by the applicant and no alternative was provided.
  • This is true but absolutely misleading. This (and all other travel tickets and accommodation bookings) were canceled by us probably 3 days before the trip start date, once we were sure that we are not going to get the visa even if there is a decision about our objection in our favor.
  • To understand this better - the original visa decision was received by us about 4 weeks before the travel date. We raised objection immediately within a couple of days - at which point we probably had around 25 days to our trip. I later learnt that visa objection (if submitted) is only considered 1 month after the visa refusal date, so there was virtually no chance we could have made that trip.
  • To quote that the hotel booking was canceled without checking when it was canceled is very bizarre to me. I don't think anyone can expect me to not cancel my bookings when my visa has been rejected and despite trying all possible options I am certain that I cannot get a visa before the intended travel dates.
  1. Second reason is a bit confusing (and slightly infuriating) but the officer first claims that I had not submitted any itinerary in initial visa application but then I submitted a sketchy itinerary as part of objection. He states that the itinerary was generic and for that too I did not submit the ticket to Anne Frank House Museum which sell out well in advance and very quickly.
  • We had submitted the itinerary as part of our original application as well, the same tabular format as below. Although the itinerary was part of the cover letter itself (still in tabular form and easily distinguishable) and was not submitted as a separate document.

Trip Itinerary

  • This is subjective but I do not believe our itinerary was generic for a first Europe trip by young adults. We also mentioned in our cover letter that this was intended as a backpacking trip and in that sense, as genuine travelers, we honestly wouldn't have bought too many paid tickets anyway. We would have been more than happy just basking in the glory of the Eiffel Tower rather than booking to dine in it.
  • Here is a sentence from my cover letter to show that we had done our research - "We have also bookmarked the days when tickets for high traffic tourist attractions like the Anne Frank House open so as to not miss out during our visit". To me it feels like the officer used my own words against me without a chance of explanation. Truth is that at the time of original Visa Application, the tickets were not available for sale but I had made a calendar event for when it will be available. Unfortunately on the day when tickets went on sale, I was caught up with something else and when I finally checked the tickets in a couple of hours, it was sold out for the days we were supposed to be in Amsterdam. Till this point we had not even got our visa decision, so honestly it was not the highest priority for us either.

Snapshot from my cover letter

  • The only reason I wanted to go to Anne Frank house is because we had to study "The Diary of a Young Girl" by Anne Frank as part of our high school curriculum for an entire year so naturally we were very intrigued by the idea of visiting the actual place where it all took place. The tickets for Anne Frank House were supposed to be EUR 35 for two people while we had paid travel tickets and accommodation of over EUR 1,500 for the entire trip. Considering this also I don't think there should be a lot of weightage to this argument.

I should highlight that I had not submitted original cover letter in objection to avoid it being considered the objection letter, and it feels like this might have caused some of the confusion too.

Here is the actual text of the decision on my objection translated to English using Google Translate -

https://preview.redd.it/krh24obs1a7h1.jpg?width=596&format=pjpg&auto=webp&s=6225219591d44d7d23744368e64e7297f3b9b358

https://preview.redd.it/d347abkv1a7h1.jpg?width=596&format=pjpg&auto=webp&s=d99d146b7405529005562f76b6df0d4523f35213

As explained above, I do not believe that the reasons cited are correct. So I want to object this in court, by paying ~ EUR 50 court fees. I want to do this without hiring a lawyer because I emailed a bunch of law firms in NL with a brief of my case and all of them outright rejected accepting my case citing bandwidth limitation from ongoing cases they have. Besides, the cost of a lawyer might not be justified for the potential rewards from a decision in my favor in this case.

Still I want to approach the court, primarily because I feel like the reasons cited could honestly have been explained in one email/phone call if I was given the opportunity and that makes me think I have a good chance of winning the case. But more importantly, I do not want it to be on record that I had applied for a visa and submitted certain documents and reservations but before the trip I canceled some of those bookings. If this was about just one country, I would probably have looked away but since all Schengen countries share these records, I hate the idea that I would face extra scrutiny in all of EU in the future, in what is already a very very tough Visa for a person of my nationality. Please let me know how well founded this is.

If possible, please help me with the following questions regarding the court case -

  1. I am planning to submit my plea through authorized email channel. Does this email have to be in Dutch or it can be in English too?

  2. Am I required/expected to submit all proof and documents? If yes should I submit all documents or just excerpts to prove my points (as I did in this email)? Asking this because somewhere on the website, I saw that the IND will be asked to provide the documents related to the case.

  3. Should I write my plea to court in response to and addressing only the points raised by IND in objection denial letter or should I make the case to get a visa? Asking this because earlier I did not submit my original cover letter and I feel like that hurt my case at the objection stage.

  4. Can I hire a lawyer for this? Is it possible? If yes then how? I would love to at least get a legal opinion so that I do this right. The only reason I am still spending time and money on this even though I do not have any necessary travel plans in the immediate future is because I am frustrated by lack of representation. I am not quite sure how filing a court case without representation might be different that the application and objection stage. I also do not have the slightest clue generally how helpful courts' attitude is in such cases towards foreign applicants.

Lastly any and all help in this regard will be much much appreciated. If you know of any other similar court case, please let me know and share your experience. I will add any more details/questions I might have missed as needed.

reddit.com
u/LatterOne9009 — 2 months ago
▲ 24 r/ErgonomicIndia

Let's do some Featherlite bashing!

Off late, there have been too many posts and comments supposedly upset with this sub's moderation because apparently Featherlite is paying us to promote their brand. They are not!

To make things worse, after my last post appealing for no mudslinging - this has gotten worse. Our last post got minimal engagement and two comments from only one person trying to manipulate conversation - who we then banned as their intention became clearer than day through their own activity. The reason behind the last post was allegations against another brand (not featherlite), which upon investigating, we found were not true. Just to be clear we don't even like that other brand very much, but we are not here to impose my views.

Yet even after the last post - not one reported comment/post. Meanwhile posts complaining about featherlite/mods/this sub are getting the max views on the sub with bunch of shares - almost like someone is sharing it to manipulate conversation!

We have a pretty good sense of the "startup" behind these smear campaigns. But the thing is the general audience of this sub might not understand this, and does not have the tools like the mod tools to judge who is doing what. We wanted to impose stricter moderation rules like requiring certain account age and karma requirements but we have decided against it so as to not exclude genuine people from participating in this sub. Besides, it seems like the manipulators are buying old accounts with nothing but karma farming content and then posting here.

We wish there was a way to share the details of this with the sub but there isn't any without making this sub even more toxic than some of these comments have made. Plus mods are not gods.

So for the rest of this month, let's use this thread for all the featherlite complaints and bashing and let the truth come out! But there are some conditions to it -

1. Every comment needs to have a picture/proof of the issue, including how you tried contacting their customer support and they did not respond. Without proof posts will be removed

2. We will remove any major featherlite bashing post from the main feed with a comment asking folks to post here, so that we have good idea of how many complaints are there.

3. If you feel like the mods removed anything where you were being critical of featherlite, do share that as well and we will explain why that was removed if an explanation was not provided already. Just to be clear, till like a week ago (pre smear campaign), we did not remove a single post/comment being critical of any brand unless it was the founder of a startup saying - try my startup - without disclosing that it is his startup.

4. Avoid AI. We won't necessarily remove your comment for this but this is about finding genuinity. Nobody cares if you english is bad, but at least put in the effort to write a proper complaint if your experience was that bad!

So here's your chance. Go nuts! If there's any issues in attaching any pictures, let us know or use a service like https://imgur.com/

Just to clarify the reason behind this - Featherlite is not paying us anything. Featherlite also does not seem to have active people manipulating conversation even if featherlite's employees do post on this sub too - conducting AMAs and offering help disclosing that they are from featherlite. According to their website, 97% of their business is B2B and they are probably India's largest manufacturers of Office/Ergonomic Furniture. Featherlite as a company is so big that they are also in the Real Estate business, so they really don't need to boost their D2C furniture business all that much. Net net, they really don't need to manipulate a reddit sub for business.

On the other hand, there are a bunch of "startups" who are revolutionizing this space in a D2C business model. How? Through elaborate marketing and using fancy buzz words to describe white labeled generic chairs that they sell for extreme markup. And actually a smear campaign by these brands, can definitely mean a lot of business for their brands.

As for the mods, we use chairs from Featherlite and Ikea currently. We have also used many other chairs in the past at home/work and we recommend specific products from featherlite, greensoul, godrej, lifelong, sparnod, jin office and many more. And it is the specific products we recommend rather than any brand!

PS - We'll maintain this sub only for June 2026 in the hopes that the bad actors (if any) would be identified by then and after that we can go back to normal posts. The mods really don't care which brands you bash, as long as you are a genuine user and just the bashing posts do not steal all the engagement from other posts.

u/LatterOne9009 — 3 months ago
▲ 2 r/ErgonomicIndia

Community Update from ModTeam

Hi chat, within a year or so of becoming active r/ErgonomicIndia has over 8.5k members and more importantly over 22k weekly visitors! We are glad we were able to create a space that became a hub for Ergonomic Furniture, something that many of us interact with most of our waking hours. We are glad that through this sub more and more people are learning, becoming aware about Ergonomics and making healthier life choices.

As a growing sub and in line with some personal ethos, we have strived to keep this sub as open as possible so that it's an inclusive experience for everyone. We believe that this has worked well for the sub and the discussions but we also recognize that we are now reaching a point where quantity of posts is definitely overtaking the quality of conversation. Off late, the sub has become an echo chamber and many have even tried to misuse/misguide people using this.

Believe me, the mods have been doing a lot behind the scenes to maintain the sub as much as possible, we can never do this without your help. What we are seeking help from you is two pronged -

  1. Please don't create low effort posts/comments. While the whole point is to share your views, do not push your experience onto others in an absolute sense without very good reason. Basically - no mud slinging please!

  2. If you see anyone not following the above mentioned rule, please report the content rather than engaging with them further. Mods have sufficient tools at their disposal to verify whether a person has otherwise vested interests or a person is just sharing what they believe is correct.

It is demotivating that while we see far too many people disapproving of seeming popular views by members of the sub and suspecting everything to have some malicious ulterior motive, we literally have had just one reported comment till date - and we could see that some brand representative has reported that content to remove a negative review. Even in that case, we investigated and found the content from the profile was just limited to sharing that bad experience - presented in a way which was contrary to the company's policy, and we asked them to show proof of that bad experience. If we get the proof then fine, we might even highlight it a bit as restitution to the user of sorts, but otherwise that user will definitely not be allowed to push the propaganda further.

In the end, the mods are proud to have created a sub which has put ergonomic furniture in considerable limelight, and you the members of the community should feel equally proud to have been contributors to it. As we further grow, we will be implementing more frameworks and rules to help keep this sub useful for more and more folks. Hopefully, we can make this an inclusive place where we can learn from each other's experiences and as a community demand better from various stakeholders in the industry.

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u/LatterOne9009 — 3 months ago
▲ 16 r/pFinTools

Credit Score does not mean nearly as much as most people think! Here is what it is and what it isn't

TL;DR - Focus on making more money and assets in life, rather than obsessing over your credit score.

There are far too many posts on the internet today of both people bragging about their credit score and far too many posts about people concerned about a hit to their credit score if they do something like close a paid credit card that they do not need anyways. I also get a lot of DMs from people asking me whether they would get a Credit Card from pFinTools.com/get-cc if their Credit Score is x or y.

Here's the headline - Your Credit Score does not matter nearly as much as you think! Focus on making more money and assets in life, rather than building a credit score. That happens through prudent, informed financial choices rather than worrying about a temporary hit to your credit score or locking up your money in an FD just to get a Credit Card which might not have any advantage, because guess what - all changes to your credit score are temporary!

Now before you downvote this post, let me clarify - your Credit Report matters way more than your Credit Score, specially as more and more processes become digital and use AI for faster pattern detection etc. Credit Score is just a summary of that Credit Report on the day that you check it. But even your Credit Report is only an indicator of your credit worthiness, and one of the last things that will be checked before giving you Credit.

The most your Credit Score will be used for, is to determine the rate of interest for any loan (like Home Loan/Car Loan/Personal Loan or Loan against Property etc) you might take. But whether you are eligible for that loan or not will entirely depend on what's your income and what sorts of assets you own and what liabilities you have.

Since Credit Score is temporary, the only time to worry about your Credit Score is probably 6 months to a year before you need to take out a major loan like a Home Loan or Car Loan. Even in that, if you are someone who pays all their Credit Card Bills and EMIs on time, the difference between a very good credit score vs a not so good score would not be of more than 0.1% to 0.2%, which is not all that significant for a non business loan, if are also someone who invests their money prudentially.

Similarly, when you apply for a Credit Card, depending on the channel, your application can be totally online with minimal documentation and fast conviction in minutes. If you have ever applied to any Credit Card through pFinTools, you would know this. Here too, rather than looking at just your Credit Score, the issuer's system looks at your Credit Report and is able to frame your risk profile instantly and also assess whether the details you have entered in your profile are correct or not, to instantly reach a conviction. So while applying through pFinTools.com/get-cc might give you a boost of using a qualified channel for application, specially if you do not have existing relations with the bank, and they might relax their checks by a bit to acquire new customer, they very well might reject you basis their evaluation still.

Let's look at the top factors that affect your Credit Score -

  • Payment History - Pretty self explanatory, if you pay all your dues on time your Credit Score goes up and every prospective lender also loves you.
  • Credit Mix - Now if you have various types of active loans, your Credit Score will go up but your lender might not be a fan. The lender might deny your application if your existing liabilities are a big proportion of your income or the lender might increase your Interest Rate to factor in the higher risk. BTW, the core idea here is that the more types of loans you have to service, the more established in life you are. This is irrelevant in the age of AI and layoffs and one of the more controversial factors contributing to your Credit Score in the modern age.
  • Credit Utilization - How much of the sanctioned amount you owe to existing lenders. The lower the better. While everyone recommends you to keep your overall Credit Utilization under 30% to preserve your Credit Score, the fact is it is way more complicated than that. If you are someone whose typical Credit Utilization is under 3%, if you even use 5% of your overall Credit Limit in some month for a big purchase, even that can dent your Credit Score, sometimes enough that you might be sanctioned a loan at higher interest rate. Imagine, you buy a vehicle using Credit Card because it was 10% cheaper on Credit Card Payment, and then you want to take a home loan worth 1cr, you get increased interest rate for good 20-30 years! You might have done everything right to have a good credit score and it would simply not matter. And if you think postponing that home purchase by a few months is an option - it's not as it can become unavailable anytime or the price might go up by more than what your better Credit Score could save over 30 years.
  • Credit Age - The average of all your Credit Accounts. Higher your Credit Age, higher will be your Credit Score - the idea is, you have been doing this for a long time and you are not new to Credit Products. Makes sense, until you realize that any new Credit Account can impact this. So you have a good Credit Score so that you can buy Credit, you buy Credit that you planned for, your Credit Score goes down. Maybe fair because this was lenders can know you are not taking too many new loans where you have not proven your Credibility. But the banger is when you realize that your Credit Age goes down even if you close any Credit Card/Loan Account. Many people hold on to their useless initial Credit Cards, even if there's an annual fees for this very reason. Also if you pay off (on schedule or prepay) your home loan in full without ever missing an installment, it still dents your Credit Age and thereby your Credit Score. If that was not bad, you don't know when the effect of these closed accounts will reflect in your Credit Score because many times these accounts are preserved in your Credit Report for upto 10 years or so.
  • New Enquiries - This is a record of how many and what types of new Credit you have applied for such that lenders have enquired about your Credit Report (hard enquiry). This is relevant because if you have been applying for too many loans lately, it's a sign of desperation. Your Credit Score and lenders both agree here too. But I think it is ironic that having too many credit enquiries is considered bad but having a good Credit Mix is considered good without ever considering how leveraged that makes you. Anyways.

Those were the top things that People know affects their Credit Score. But actually your Credit Report has a lot more, which may or may not have an effect on your Credit Score but is definitely something that lenders will check to assess your risk Profile. This includes your work and personal emails, your work and personal contact numbers, your work and personal addresses and it's ownership status along with the dates when they were reported. Too many contact info or addresses can reflect an immature profile.

So what exactly should you do - should you just forget that Credit Score is even a thing?

No not really. Instead do the following -

  • Get one Credit Card early in Life, maybe more if that helps you save more on your spends. Honestly, as early as possible. This will give you a Credit Score, which is better than having no Credit Score. As long as you make sure that you always pay all your bills on time, no matter what, you don't need to worry about your Credit Score.
  • Having multiple Credit Cards (or personal loans that are sanctioned in your name but never disbursed) early gives you the flexibility to close the ones you don't want without worrying about how it will affect your Credit Age. If someone starts their Credit Journey in College, they will be better than someone who starts their Credit Journey after graduating from College anyways, hence the added flexibility. And seriously close the useless Credit Cards, rather than maintaining it unnecessarily and prolly paying it's fees too all in the name of preserving your Credit Score!
  • Remember to never give fake information in your profile. This is the easiest yet, the most important piece if you want a good Credit Score. In the modern age, if you lie on any application, the Credit Bureau can very easily detect it and your Credit Score would be stuck below a certain level no matter how prudent you are with your Repayments and Credit Utilization etc.
  • And in the end, stop obsessing over your Credit Score! Most of the times it either does not matter or even when it does, it is not really under your control. Nobody knows the exact formula for Credit Score calculation ever. If you rather focus on honestly building assets and income, a good credit report and hence a good credit score will always follow!

Credit is probably one of the biggest financial innovation, right up there with Insurance. Use it prudently to improve the quality of your life, and then enjoy that life rather than obsessing over it and forcing yourself to do things that you don't want to do.

The purpose of this post was to create a mega thread of sorts to redirect people to, when they unnecessarily worry about Credit Score, which is almost always. I get that one random post on the internet will not just change your attitude about Credit Score and this post might rather raise more questions in your mind instead. So definitely put all your questions in the comments and let's make this a conversation that can help the next generation of Credit Consumer make good personal finance decisions.

Do share this link with someone who you think frets too much about Credit Score!

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u/LatterOne9009 — 3 months ago