▲ 9 r/KSBKBT

Vrinda is done being a red flag and now she wants to be a red carpet?

Is this what was the take away from today's episode? She falls in every guy's arms twice a day, and sees her to-be partner holding a falling woman and boom, he is now being considered as if he is a grape 🍇 convict.

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u/enjoyTimeBeforeOver — 1 day ago

What to do about the decorations locked behind number of animals in the zoo?

They always say that the zoo is going away but it hasn't yet; and i don't have any interest in getting more animals there either(have 20 around as of now) more so because it's going to go away anyway.

But there are many beautiful decorations like the waterfall which are locked behind it. If not for the number of animals or if the zoo is taken away i should have all of these unlocked as i am level 135+. Do i start building my zoo to get these decorations, I really don't want to waste the construction materials on the zoo.

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u/enjoyTimeBeforeOver — 2 days ago

WHAT DO I DO WITH MY TCASH?!

I just don't understand what to do with these tcash - there is not a single worth while usage of this.

My profile upfront: level 138, have all the factories, most of them upgraded, 9 community buildings and 25 expansions left. And have all the extra slots in factories, and have 500 market boxes.

After the Match 3 change, i am not okay spending tcash for the moves, as it's way too much.

The only thing i spend tcash is the offer in the city market for barn expansion or community building materials; and ofc hiring the dealer.

but other than these there is no use case for me, and i have 250k tcash. what should I use these upon? I wish the city market offer of barn upgrade and community building materials refreshed every hour.

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u/enjoyTimeBeforeOver — 2 days ago

Want opinion on Credit risk funds: yes I know there is risk

I was looking into credit risk funds, and ofcourse it has two risks - interest rates risk just like the gilt funds and in addition to that there is credit risk; as such the return is more than the gilt funds.

Of course it is bound to be risky(if the companies default, there is never a free lunch!), but if the fund is managed by a good AMC they should be diversifying the risk well and we should worry about facing a scenario where the fund's NAV goes down by more than 20-30%.

As such I was thinking whether this would be a good investment to get debt exposure - in addition to FD and liquid funds and not as their replacement as it can face some stress at times and as such won't be as liquid/good to rely upon.

Would love to know thoughts on why I should not be considering this or if you think this is indeed a good investment choice as part of debt in the portfolio.

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u/enjoyTimeBeforeOver — 4 days ago

Want opinion on Credit risk funds: yes I know there is risk

Risk appetite is aggressive

Goat - general, just for investment, no specific need

Horizon - 5Y+

Allocation - 80% equity

App Used - Kuvera

I was looking into credit risk funds, and ofcourse it has two risks - interest rates risk just like the gilt funds and in addition to that there is credit risk; as such the return is more than the gilt funds.

Of course it is bound to be risky(if the companies default, there is never a free lunch!), but if the fund is managed by a good AMC they should be diversifying the risk well and we should worry about facing a scenario where the fund's NAV goes down by more than 20-30%.

As such I was thinking whether this would be a good investment to get debt exposure - in addition to FD and liquid funds and not as their replacement as it can face some stress at times and as such won't be as liquid/good to rely upon.

Would love to know thoughts on why I should not be considering this or if you think this is indeed a good investment choice as part of debt in the portfolio.

reddit.com
u/enjoyTimeBeforeOver — 4 days ago

Want opinion on Credit risk funds: yes I know there is risk

I was looking into credit risk funds, and ofcourse it has two risks - interest rates risk just like the gilt funds and in addition to that there is credit risk; as such the return is more than the gilt funds.

Of course it is bound to be risky(if the companies default, there is never a free lunch!), but if the fund is managed by a good AMC they should be diversifying the risk well and we should worry about facing a scenario where the fund's NAV goes down by more than 20-30%.

As such I was thinking whether this would be a good investment to get debt exposure - in addition to FD and liquid funds and not as their replacement as it can face some stress at times and as such won't be as liquid/good to rely upon.

Would love to know thoughts on why I should not be considering this or if you think this is indeed a good investment choice as part of debt in the portfolio.

reddit.com
u/enjoyTimeBeforeOver — 4 days ago
▲ 24 r/KSBKBT

People might disagree but Vrinda is the reddest flag ever

Yes angad has been very stupid and terrible and deserves all this sadness etc but so does Vrinda. This lady doesn't once give a single thought and think about the other person. She just operates as per what she thinks her intentions and ends up leading others and just wants her partner to trust her 200%.

In the previous arc she had trusted Mr Thakur and kept shitting on Angad for doubting Mr Thakur. She didn't care to find out why Angad felt the way he did or why those incidents happened which showed there is some link between her and Mr Thakur.

Now she is engaged to this sleazy looking Kartik and still keeps doing random things to lead on AV if he wasn't Angad. Keeps chatting with him late night. Nothing wrong in this elevator incident.

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u/enjoyTimeBeforeOver — 7 days ago
▲ 17 r/KSBKBT

Tripti's plan if Ritik hadn't noticed Samira that day?

Tripti spent her whole life to raise this lusty looking guy so that he could marry Samaira and she would be able to reach Virani family.

But when Samira was depressed and was about to s*ici*de, and was saved because Ritik noticed her, what if he hadn't noticed and Samaira had d#ed that day? Tripti would have turned this guy and paired him with Raunak?

What a dumbf#ck plot man!

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u/enjoyTimeBeforeOver — 18 days ago

Accor property for Goa Staycation - Dona Sylvia?

​

Was looking at a 2-3 days Staycation in Goa and would prefer to use accor points.

Novotel Dona Sylvia stood out in terms of the ratings but two things that bothered me - one is the price, it seems pretty expensive like almost Fairmont jaipur like on some days and not sure if it's worth 30k a night in case I happen to go on those days, but even otherwise a cancellable room with breakfast is 15-20k on off season. Second is the rooms, the propety looks good but the rooms look pretty off to me, gives a very old property vibe.

Would love to get some personal experience reviews and if the two points I mentioned are valid or not.

u/enjoyTimeBeforeOver — 22 days ago

Accor property for Goa Staycation - Dona Sylvia?

Was looking at a 2-3 days Staycation in Goa and would prefer to use accor points.

Novotel Dona Sylvia stood out in terms of the ratings but two things that bothered me - one is the price, it seems pretty expensive like almost Fairmont jaipur like on some days and not sure if it's worth 30k a night in case I happen to go on those days, but even otherwise a cancellable room with breakfast is 15-20k on off season. Second is the rooms, the propety looks good but the rooms look pretty off to me, gives a very old property vibe.

Would love to get some personal experience reviews and if the two points I mentioned are valid or not.

reddit.com
u/enjoyTimeBeforeOver — 22 days ago
▲ 5 r/KSBKBT

Who is doing the casting of finding the most lustful looking actors

First you see that guy who is being paired against Vrinda in the spin off. And now this guy being paired with Samaira. The face is just so full of lust, and looks like the younger brother of that vs-Vrinda paired guy.

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u/enjoyTimeBeforeOver — 29 days ago

What is the best way to fill the details for 112A, and short term debt and equity mutual fund details

I see the option to upload CSV and the CSV template but the excel files i am getting from my mutual fund app has a very different format. and there are a lot of rows. what's the best way to get the details and csv to upload for this?

reddit.com
u/enjoyTimeBeforeOver — 1 month ago

Best Accor stay in Singapore; personal experience?

Considering Accor hotels as I have points which I want to use.

Planning a 5 day trip to Singapore for a vacation. I want to do sightseeing and relax from time to time in the hotel.

I checked accor and got overwhelmed with the options, and also not sure about the locations. Can someone please help with what could be a good option? I do not want to spend too much like Fairmont and at the same time don't want a very basic hotel like the Ibis. I saw some like Novotel Singapore Roxy, Pullman Singapore Highstreet. These looked okay for my usecase. But what would you suggest?

Thanks in advance.

reddit.com
u/enjoyTimeBeforeOver — 1 month ago

Best Accor stay in Singapore; personal experience?

Planning a 5 day trip to Singapore for a vacation. I want to do sightseeing and relax from time to time in the hotel.

I checked accor and got overwhelmed with the options, and also not sure about the locations. Can someone please help with what could be a good option? I do not want to spend too much like Fairmont and at the same time don't want a very basic hotel like the Ibis. I saw some like Novotel Singapore Roxy, Pullman Singapore Highstreet. These looked okay for my usecase. But what would you suggest?

Thanks in advance.

reddit.com
u/enjoyTimeBeforeOver — 1 month ago

SBI TDS Deduction seems weird

My mother has some FDs with SBI and they are in the monthly interest credit mode. Some of them got matured in the last financial year and new ones were booked.

HDFC FDs clearly show the intereset credited and TDS deducted as two transactions and as such easy to see how much tax was deducted and it was 10% which makes sense.

SBI however paid interest of 1.7L but deducted only 7k in TDS, which is roughly 4.5%, way lower than expected. There is almost no TDS in the first two quarters. In the tax certificate I can see that for some FDs, like one which paid 10K interest there is only 170rs tds.

I am super confused and not sure if SBI has made a mistake. How can I check or if SBI's calculation should be correct given it's all automated now?

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u/enjoyTimeBeforeOver — 1 month ago

How easy is it to sell gold coins if bought from a brand

I was considering buying gold coins as investment and if needed later then selling them to buy gold jewellery or anything else.

My question is, if I buy one coin from Tanishq every month - would it be easy to go to the store next year and get cash or bank transfer for all these coins?

Prefer coins over ETF as can use credit card for the transactions.

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u/enjoyTimeBeforeOver — 1 month ago

Iyer and GG didn’t want Vaibhav debut

Both GG and Iyer had decided not to make any change to the batting for the first three matches of this series. And Vaibhav was supposed to debut at the earliest in the fourth match. But the team management had intense discussion with the BCCI management who were unhappy with him being on the bench, not given a chance in the Ireland series and especially as they lost it as well. Because of all this there was immense pressure on them to give a chance as either way there is a sword dangling over GG - BCCI is considering whether to have split coaching for tests or just remove GG all together.

Under these circumstances, they had to give him the debut. That’s the reason you will not see any good moments being shared between Vaibhav and GG or Iyer. You have noticed that the cap was provided to him by Tilak when generally it is provided by the captain, the coach or a very senior member of the team and he is not any of these.

Source:
I am friends with someone who is a close relative of someone in the squad.

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u/enjoyTimeBeforeOver — 2 months ago

What is the best way to learn Kannada for basic communications as a non-local

I speak Hindi/English fluently and some other languages with a lower fluency. I wish to learn some Kannada for basic communication, generally English saves the day for me but at times run into issues. What is the best way to learn?

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u/enjoyTimeBeforeOver — 2 months ago
▲ 9 r/KSBKBT

How can writers of such a big show write such inconsistent stories

Vaishnavi was supposed to be an orphan, no relative of her came to the wedding. And now suddenly to show that she can be blackmailed for her family by Parth, her parents now her parents are alive and there? Wow.

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u/enjoyTimeBeforeOver — 2 months ago