Chitresh Deshpande

3K posts

Chitresh Deshpande

Chitresh Deshpande

@chitreshd

🏏💸💻🎮📸 Hot takes strictly personal. Blame me, not my employer 😜

Katılım Ekim 2010
69 Takip Edilen33 Takipçiler
SV_Techie
SV_Techie@sv_techie·
Had a great time today seeing our first born graduate from Top college, UCB today. As immigrant parents, we couldn't be more excited and proud about this. America has given more than we could ever ask for.🫡
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Mumbai Indians
Mumbai Indians@mipaltan·
If you could get HP to autograph ONE thing, what would it be? 😅
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Arpit Bhayani
Arpit Bhayani@arpit_bhayani·
PMs have started shipping code to production, I am just glad that git blame exists.
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Chitresh Deshpande
Chitresh Deshpande@chitreshd·
@aakashgupta Arent there other ways like establishing a trust which only delivers you X dollars without jeopardising compounding gains?
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Aakash Gupta
Aakash Gupta@aakashgupta·
The spreadsheet math on this is brutal. She left roughly $54 million on the table. Yet she probably just made the best financial decision of her life. $1M in an S&P 500 index fund at age 20 compounds to approximately $58M in inflation-adjusted terms by age 80. The historical real return is about 7% annually over 97 years of data. Her annuity pays $52,000 a year. Over 60 years that totals $3.1M. The gap is 18x. Every finance account in these replies will tell you she's wrong. The compounding math is clear. Take the lump sum, put it in VOO, don't touch it for 60 years. The Certified Financial Planner Board says roughly a third of lottery winners declare bankruptcy within five years. Illinois court records show 28% of winners who won $50K or more went bankrupt in the same window. The average winner spends 60% of their winnings on family and friends in the first two years. She's 20. Peak impulsivity, minimal financial literacy, and every person she's ever met just found out she has a million dollars in her checking account. The $1M doesn't go into a Vanguard account. It goes into the most socially pressured spending environment a human being can occupy. $1,000 a week is a permanent $52K salary, tax-free in Canada, that arrives whether she makes good decisions or catastrophic ones. Can't be drained by a partner. Can't be lost to a scam. Can't be "invested" in a cousin's restaurant. Shows up every Friday for the rest of her life. The spreadsheet says lump sum by 18x. The data on what actually happens to people who receive $1M at 20 says she just bought the most expensive insurance policy in lottery history, and it was worth every dollar she gave up.
DividendBoomer@BoomerDivvies

An 20-year-old Canadian girl won $1M (tax free in Canada) in the lottery and chose $1,000/week instead of the lump sum. Is this wise or the worst financial decision of her life? What are you doing when this happens to you??

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Sagar
Sagar@sagarcasm·
MI & LSG:
Sagar tweet media
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Joy Bhattacharjya
Joy Bhattacharjya@joybhattacharj·
Taking no credit away from the players, and it's wonderful to have a spontaneous celebration, but the chits and special moves, usually orchestrated by social media managers, are beginning to wear me down..
Joy Bhattacharjya tweet media
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Wickets Hitting
Wickets Hitting@offpacedelivery·
"If i am made to feel like I need to prove my worth and value, I am not in that space" What kind of statement even is this? You averaged under 30 over the last five years, and even then the team management did not drop you. They at least gave you clarity that now you need to score runs and prove yourself. which is the bare minimum in professional sport. And that upset you? Unreal Kohli sahab
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Chitresh Deshpande
Chitresh Deshpande@chitreshd·
@vishalmisra Great article. But might it be that WC win and MI environment has let Bumrah a bit mentally tired ?
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Vishal Misra
Vishal Misra@vishalmisra·
Eight weeks ago Bumrah won India a World Cup with the off-cutter. This IPL the cutter has one wicket and MI are out. What happened to Bumrah - and why is Bhuvneshwar Kumar, at 36, having the season Bumrah was supposed to? @vishalmisra/what-happened-to-jasprit-bumrah-1ac89e8a50c5" target="_blank" rel="nofollow noopener">medium.com/@vishalmisra/w…
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Peter Steinberger 🦞
Peter Steinberger 🦞@steipete·
Whenever I investigate a bug, I let codex recreate the exact state in an emphemeral crabbox, verify the bug, fix it, verify the fix. No messy state because local system might be polluted, and no slowdown because I run 10 sessions in parallel. crabbox.sh
Peter Steinberger 🦞 tweet media
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Joy Bhattacharjya
Joy Bhattacharjya@joybhattacharj·
Stuff we read from right to left - Hebrew, Arabic, Persian, and the menu in expensive restaurants!
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Joy Bhattacharjya
Joy Bhattacharjya@joybhattacharj·
Frankly, it is a badge of honour for Vaibhav that his wicket is so precious! And that he is a 15 year old inspiring respect and fear among the leading bowlers of the world. Why the demerit point?
Cricbuzz@cricbuzz

🚨 Kyle Jamieson has been warned and handed one demerit point for his aggressive celebration after dismissing Vaibhav Sooryavanshi Jamieson was in breach of Article 2.5 of the IPL's Code of Conduct #IPL2026 #RRvsDC

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Dmitrii Kovanikov
Dmitrii Kovanikov@ChShersh·
I miss the toxic tech culture of receiving 50+ code review comments. Now everyone just pushes AI slop and doesn’t care as long as CI is green.
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