u/NotPlayingCharacter

Until recently, i found it very hard to use greet/formal words. I couldn't greet people or ask how their day was going or thank them or apologise to them for something.

My condition was more weird because i had trouble calling my close ones with the words we should be using to address them like sister-in-law, aunt, uncle, brother etc (in our language, there is a word for almost every relation which is a polite way of addressing). i would frame my sentences in such a way that i wouldn't have to use those words and mostly avoided talking.

I really don't know why this happened. I came off as a rude person who doesn't know how to respect elders or didn't know how to talk politely growing up. Some people cut me off from their life while others accepted me for the way i was.

Lately it has been better. I see myself saying words like thank you, sorry, etc more often or try doing some small talk when needed rather than come off as a complete @ss.

But I still cannot address my close ones politely and sound rude to them. I don't know this can be changed anymore it is just the way it has always been with them. But i try to be more polite with new people i meet.

I have a raspberry pi 4. I want to connect my monitor to my mac wirelessly. What is a seamless way to do it ?

Mai aise hi room mai baitha hua tha doom scrolling content. I was alone and the door was not locked because it remains open as our flat is at the last corner of the floor and no other person comes there unless important. So it usually remains open.

So as usual, I saw something on insta, got triggered and went into anonymous mode on reddit and started pleasuring myself. I was in my blanket and stopped caring for the opened door.

Now, just before this as it was weekend i invited some friends to come over so we could hangout or play some games. They didn't confirm so i thought I will be alone as usual and have the room all to myself.

So somehow they changed their mind and i didn't know. The first one to show up was a female friend. The door was open and she is close enough to just come inside without knocking. I was shit scared because she just appeared out of nowhere.

Luckily, i just finished and was just thinking about things in post nut clarity and staring at the ceiling. I don't think she suspected anything. But it was a very close call. It would have made things really awkward. She asked me if I was asleep. I said yeah. And then we talked for a while, catched up then some other friends joined us, played some games and had fun.

I (26M) have no sisters. I have some cousin sisters but I am sure they are unaware of my existence 😅. There was one didi in my neighbour though like 12years elder to me. Our families made it a point that she would tie rakhi to me and my brothers every year. That was the only rakhi i used to get.

I barely talked to her or have that sibling bond. And every rakhi, my elder brother used to give her money on behalf of all of us. Now i moved out of my home for work and she got married (also has kids). But she still tied rakhi to my other brothers. For few years, I have been rakhi-less.

But last year, she called me and asked for my address and sent a rakhi to my place. Now I didn't know how to reciprocate so I just sent her some money via UPI. She called me and scolded me a lot for doing that. I really don't know what the expectation was. Or was she even expecting anything and just sent me a rakhi out of goodwill.

Now today, she called me again for my address to send rakhi. I still don't know how to reciprocate. I am not really talkative with her. I just gave her my address.

Gifting and being socially active has never been a thing in my family, I never learnt these stuff. My family does not even celebrate birthdays, lol. For any events like marriage, or anything we just used to give money. This is how i have been raised 🫠.

What do i do ? I won't be sending money for sure. I am thinking of doing nothing and just say thank you.

Pata hai aaj kya hua

Kuch din pehle ki baat hai. I had to get some medical tests done. Mujhe lag rha tha bas blood or urine sample leke chale jayenge. Par unka process kaafi lengthy tha.

So there was a female nurse and a male nurse who came in morning to take samples. The guy was writing down stuff and the girl was taking my measurements. Then I wasn't expecting it, but the guy told me to remove my shirt. They had to do an ecg test. (I wonder how they do it for females).

Mujhe aadat nahi hai shirtless hone ki because i don't have any chest hair and I have some manbobs as well. I am pretty insecure about it. But in the moment, i couldn't deny or say anything, so I had to take off my shirt and the girl rub some gel on my body and took the readings.

Mai thoda awkward ho rha tha par eventually i accepted ki it is what it is. Its not that rare to have what I have. And they didn't react or comment so it felt normal afterwards.

PS: For people suggesting to work out. I already work out a lot. My condition is called gynaecomastia. Some people have it much worse. Mine still looks okay-ish if compared but no chest hair makes it look more feminine. It cannot go away with workouts. People do surgery for it.

Same as title.

Mine is to look more presentable in public. But I have been too lazy to fix it.

I am in the process of applying for a term plan. But my father's name is spelled differently in my documents and his documents.

Basically school documents had my father's name spelled wrong and that is how all my documents use that same misspelt name. My adhar card address use the proper name though ig.

My ration card and birth certificate is more weird. My birth certificate does not have my surname and my father's name their is completely off.

Now while applying, the advisor told me to put the one which is in his documents for the nominee field and use the one that i have in my documents in other fields. But I am still skeptical. What should I do so that it does not become a problem in future ?

Apparently, they only gave an option to add parent or kids as nominee. I only have one parent right now and no spouse or kids. Ideally, I want to add my brothers or their kids as nominee where this documentation stuff do not cause a problem during claim.

InsuranceDekho

PolicyBazar

One is from InsuranceDekho and other is from policy bazaar. Is this term policy any good ? I asked chatgpt and it says the policy bazar one gives additional perks like gym membership, etc. InsuranceDekho one is the cheapest plan I have seen so far. Not sure if that is the final quote though. Can insuranceDekho be trusted ?

Gym membership can get useful for me but not sure what gyms are actually supported. Has anyone used these benefits ?

26M, Non-Smoker

I 27M have been wanting to buy a term insurance (3cr until 70). I have shortlisted 2 options but i am very confused. SBI Life and Axis Max Life.
- SBI Life is around 26k/y with no riders
- Axis Max Life is around 31k/y with only waiver on premium

But SBI Life is via policy bazar and Axis max life via ditto. The 2nd year premiums charged by ditto is higher compared to what policy bazar shows. What should i choose ?

I need to do KYC for my Ayushman card. I went to a CSC centre nearby but they are saying KYC is not possible, I have to fill a new application and pay 1000rs. That is wayyy too much. The guy is clearly scamming me. I know there is no need to do a new application because my brother just did it few days back in some other state and that costed just 50rs.

And even the website says just a eKYC from a certified operator is required. Where can i do it near Marathalli without getting scammed ?

I need to do KYC for my Ayushman card. I went to a CSC centre nearby but they are saying KYC is not possible, I have to fill a new application and pay 1000rs. That is wayyy too much. The guy is clearly scamming me. I know there is no need to do a new application because my brother just did it few days back in some other state and that costed just 50rs.

And even the website says just a eKYC from a certified operator is required. Where can i do it near Marathalli without getting scammed ?

I 26M have a very frugal mindset and there is this one thing where should probably not be frugal is insurances. But I am not able to make myself spend money on it.

I have a pretty healthy lifestyle. I have a cheap health insurance but every year i make it without using it, I kind of feel disappointed.

I have not gotten a term insurance for the same reason because most of the times i feel I would outlive the term and all the money would go wasted. I know somewhere that it is important to have some security and maybe i might not be strong as i am today but i can't make my mind to get it right now.

Can you help convince me or any advice ? If I have to allocate an amount per year that I could spend without regret, how much would you recommend ? 30LPA, no debts, family of 5 (no spouse).

Last week I got my ITR filed via a CA for the first time. I used to do it on my own before but i always ended up paying some amount meanwhile my friends used a CA and got huge refunds despite having the same pay.

So this year, i didn't want to take that headache and contacted the same CA they were using and the experience was weird. The guy didn't ask me anything except for form 16 and credentials for ITR site. I gave it and he filed it in few minutes. And he is also telling me that I will get refund (not a lot but i paid advance taxes that i am getting back). I haven't gone through what he really did but I thought he would ask for more details like my rental status, my investments, ctc breakdown and stuff.

Is this how it is supposed to be ? Or was i suppose to give this information on my own. My friends tell me this how he has been filing for everyone. Will it be a problem later ? I feel he did some shady stuff

I'm a very frugal person—probably to an unhealthy extent. I obsess over every expense and constantly ask myself whether it was actually worth it. Even though I earn enough that I don't need to worry about every rupee, I still feel guilty spending money.

That made me think of an app idea. Instead of just tracking expenses, it analyzes your spending/ lifestyle habits, it should be able to answer questions like:

• Was this purchase actually worth it?
• Did paying for convenience (like ordering food or taking a cab) actually save me time?
• Did I use that saved time well, or just waste it?
• Am I getting enough value from my subscriptions or memberships?
• Which purchases consistently make me happier, and which do I regret?
• Am I saving enough to comfortably reach my financial goals?
• Can I afford my current lifestyle while still being financially secure in the future?
• If I'm already on track, how much can I spend guilt-free without worrying (money you are mentally prepared to lose) ?

For example:

• Food: I can cook, eat at a restaurant, or order online. Ordering might cost an extra ₹300 but save 45 minutes. Did I use those 45 minutes productively, spend quality time with family, or just scroll social media? If it gave me mental peace after a long day, maybe it was still worth it.
• Gym membership: I pay for a yearly membership, but if I only go a few times a month, my effective cost per visit becomes very high. Should I switch to a cheaper plan, pay per visit, or simply be more disciplined and use it more? A different or maybe more relatable example would be buying ciggarettes.
• Savings goals: If I cut back on eating out for a few months, how much closer does that get me to buying a house, taking a vacation, or achieving financial independence? Conversely, if I'm already comfortably on track, maybe I don't need to feel guilty about the occasional splurge.

I also want it to encourage guilt-free spending. If I save money by being disciplined—or if the app determines I'm already on track toward my long-term goals—it should tell me how much I can spend freely without feeling guilty.

The goal isn't just to spend less. It's to help people spend intentionally by balancing money, time, happiness, discipline, and long-term financial security.

Would you use something like this? What questions would you want an app like this to answer about your spending?

PS: Used LLM for paraphrashing but the intent is same

So few weeks back, me and some friends were on a trip and we went to a beach. For context, mujhe aur mere dosto ko swimming nahi aati. Par fark ye hai ki mujhe chull boht hoti hai.

To wo sab bas photo khich rahe the kinare pe aur mai bore hoke akele chala gaya aage samundar ki tarf. Kya hi ho hojayega.

Chest level tak sab sahi tha aur bas wahi pe time pass kar rha tha, par achanak se ek wave aaya aur mujhe aur aage kheech liya. Ab pani sar ke upar Jaa chuka tha literally. Ground touch nahi ho rha tha. Mai tadap raha tha thodi der par aas pass koi nahi tha. Chilla bhi nahi paa raha tha introvert jo hu 🤪.

Fir laga ki yahi end hai, panic karne se koi fayda nahi. Thoda calm ho jata hu. Miraculously waves ne thoda sa peeche kar diya aur legs touch karne lag gaye the jameen ko. Khud ko kaise kaise push karke thoda stable hua. Fir kinaare pohoch gaya. Wo log abhi bhi photo hi khich rahe the 😭.

Maine kisi ko nahi bataya. Mai ye soch rha tha ki yaha khatam ho jata to kitna traumatic ho jata ye trip mere dosto ke liye. Boht time tak pata bhi nahi chalta ki mai kho gaya. Meri body bhi na milti. Family ko bhi kaafi late pata chalta.

So I have set my ringtone to ms teams tune for others to get traumatized. We don't use teams in our office. But funny thing is ki mujhe rarely calls aate hai kisi ke.

To jab bhi bus ya canteen ya kahi bhi kisi ka teams pe call aa raha hota hai to mai phone check karta hu apna aur prank ho jata hai 😤

So recently I got an increment at my job where i was allowed to negotiate my final CTC. I am already in the 30% tax bracket. And it is wayy better than what most other folks make with my level of experience and skills.

I told them a number and they agreed without negotiation. I was hoping they would negotiate so I was more prepared to take a lower number. I was a bit sad that maybe I should have asked for a higher number but it was fine.

Now the interesting part is, I got more than what we decided upon. They told me I am important and stuff so they just rounded it up to a higher value. Maybe i give them a better ROI but i highly doubt that as they are making negligible profits and it is just running on investor's money.

Though the new increment from their end was not much but that got me thinking I would have never given that if I was the employer. I would have negotiated hard in the first place. I would have tried to save as much as possible for the company. Though it is investor's money anyway but it is money only. If i was running a startup, i would have done a lot of cost cutting on expenses even if i had ton of money lying around.

But i guess, you would have to avoid being frugal when running a company to be successful. Though my company is not at all successful by any means and i don't see much hope of it doing good later. But it has its perks.

What would you do if you were an employer ? Would you still be frugal on your employees and expenses ?

I work at a startup with <15 employees and asked the CEO if we could get the Pluxee card for tax saving. But he denied saying it will be too much of a hassle for them to manage. I don't know what he means by this.

I am in the 30% bracket and I think the card would help a lot in saving taxes. What are my options here ?