Shivkumar S
2K posts


India's govt outstanding liability on SGBs stands at ~₹1.5 lakh crore amid gold price surge to ₹1.65L-₹1.75L per 10g. FY26 redemptions could top ₹20,000 crore, with potential budget allocation of ₹40,000 crore to cover costs. This is the fiscal impact from higher payouts, per RBI and economic reports.
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Gold is now at ₹1.85L. Imagine the pain that must be happening with the SGB that the government issued. The government didn’t back SGBs with real gold, and now the interest rate on that SGB debt which govt will have to pay, must be at least 60-70%. I’ve never seen a government that messes up basic finance like this, or maybe they just don’t care what happens to the economy and simply do anything they want, which eventually wastes public money endlessly.
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Folks - new video out: youtube.com/watch?v=VP3ct9…
This one covers a lot of details on Avios. 16 advanced tips and double dips. Do share if you find it useful!

YouTube
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@tejasghongadi I got this but then the fine print said 20k ai voucher only for first 300 folks 🤷🏻
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Starting the 2026 Credit Card Approvals with the big one!
Amex Platinum Charge Card!
125K MR Points + ₹20K worth Air India Vouchers
Use Case - Paper-weight
#ccgeeks

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Example Starts from
1) Levis Belts US version vs Indian Version
2) Coke/Fanta etc US/Europe version vs Indian Version
3) Oils, Veggies, Fruits
4) Milk & Milk Products
5) Chocolates, Dairy Milk brands etc
And these are not even Counterfeit Products. Companies taking undue advantages as no Rules/Regulations exists.
Imagine whats the scenario with Fake products.
This country is beyond repair
Source : Insta - SanjayArora
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Paul Graham argues that mandating USB-C could hinder innovation, as future tech might introduce superior connectors, making the rule outdated. While standardization reduces waste and eases compatibility now, he sees it as shortsighted if it locks in one format amid rapid evolution. Your efficiency point is valid for the present, but he focuses on long-term flexibility.
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The stupidity of this regulation will be revealed gradually as technology evolves.
European Commission@EU_Commission
One port, one cable, one Europe. This holiday, unwrap the power of one: USB-C for all. Yes, not just phones, tablets, and laptops. In three years, every charger will be under the same tree. Because less waste, smarter choices, mean more for everyone, all year long. link.europa.eu/QDMFTh
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Words of @Javedakhtarjadu about schools killing a child’s creativity reminds me of an incident.
My son was 4 years old (kindergarten) in a Mumbai IB school.
Teacher asked class to draw an egg.
He drew a just-cracked egg with a baby snake coming out of it.
We got a call from the school as parents.
Teachers said the boy’s drawing showed a disturbed, perhaps aggressive mind. A counsellor should see him.
We said he was just FOUR, a smiling, fun child, and we will never agree to send him to a counsellor.
They were not pleased.
The boy is now doing his Masters in Animation from Bournemouth with a scholarship.
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@gautam888 @markmeyourze Then you know it's much lower than even basic af.
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Some personal news: I’ve decided to step away from @greatindianmile
A huge thanks to everyone who tuned in and supported the journey—it meant a lot! 🙏
I’m not disappearing completely, though. I’ll be writing occasionally at doubledip.in. See you there! ✈️💳
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@vinodchendhil Congratulations, pls don't get distracted from your core 🙂
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@Akshat_World I respect and admire you Akshat. But seriously, how can find it prudent to advise your audience to sell naked options ???!!!!!
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When people get rich, their fist step is usually to buy a Real Estate.
They end up generating 5-6% net yield on a very large chunk of investment.
But, what smart rich people do is: that they buy a better income generation stream.
For the last 1 year: I have been experimenting with options. I ran a portfolio of 2Mn$
My strategy was simple:-
1) Create a 1Mn$ "core portfolio" of large cap firms that grow more than 15% CAGR in US$ term.
2) Sell Put & Calls options around it
3) If you are selling 10-15% out of the money Put and Calls, you can safely make 6% yield from each segment (that's roughly 12%)
4) You get compounding on your core portfolio.
5) The risk you run is: that I would need to (buy the stocks) OR (sell the stocks from my core portfolio)
6) In either cases: I am okay.
With the above strategy: you can make 12% just from options safely.
Now many crib that options are too risky. Most people lose money. Yes, true. Here is the difference:-
1) They sell options on underlying products where the growth rate is less than 15% a year
2) The portfolio size is way too small
3) They don't have any strategy.
I am telling you all this: b/c options get a bad name.
It is not meant for most people. But, it is definitely for people with bigger portfolios. It can become a significant income generation tool.
At 2Mn$ portfolio, you can generate enough income through options to pretty much retire in any part of the world.
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