Soundararajan P.P.

@InvestorOfJAMMU There are certain things in life you need to do without looking at labels!

I was a Dairy Milk Chocolate fan but 3 years back when I checked its ingredients, I was shocked to see that it has 60g Sugar per 100g. It was nothing but a sugar bar. WHO recommended daily sugar limit of 25g. One chocolate was feeding 2x sugar. That was my last day of eating chocolates🚫

@speakshoutroar Exports being diverted to the Indian consumer?

Is it just me or have others also noticed the quality of onions in the market since war started. These are like prefect onions.

@Atulsingh_asan New normal - New people with new money living in the suburbs - car sales will increase with time.

The way metro networks expanding in India, next 20 years we will see most of Indian cities would have metro, even smaller cities can be connected with metro networks. So can it impact auto sector? After metro, people will stop travelling through auto or cab , even stop buying cars . Expanding metro networks have negative impact on auto sector but best for people. What’s your opinion

@dakuwithchaku …n.is.always.greener.on.the.other.bank.of.the.river.

I don't follow this account still it keeps popping up on my TL and each time makes me write long tweet. Kutch where this city Mandvi is located is so isolated to get to the nearest metro you need to travel 60 kms that's Bhuj. Getting out from Bhuj to Ahmedabad the biggest metro is 6+ hrs by road. Flights are available but limited + in NRI season they're ridiculously prices at 15K for 45 mins to Mumbai etc. Trains are limited to 2 trains to Mumbai which pass via Ahmedabad. Somedays 3 trains with one that goes to Delhi. Gandhidham does have tons have trains but all mostly full due to the worker class load etc. While all looks green there literally nothing else than you just retire in Kutch. If you plan too surely the best place. Else it's just for tweets :)

@GuruShareMarket There is a story - THE CYCLIST IS THE ECONOMIC MISFORTUNE TO BEFALL ON A NATION.

Remove the EMI system completely… and you’ll see India’s REAL poverty level. 🚙 Half the cars will vanish from the roads. 📱iPhones will suddenly return to being a luxury. 🛬 International flights would be a dream for most. 💍 Marriages will not be of 30-40L. Debt is the real illusion of “middle class comfort.”

@nehanagarr x.com/i/status/20403…

7 out of 10 Indians don't know anything about tax planning. Here's how you can save ₹30-₹50K in tax every year using these 3 simple strategies. (And it costs you ₹0 extra!) So, the next time you file your ITR, make sure you are following these. 1️⃣ Section 80C: - Allows you to remove ₹1.5L of your salary from your taxable income, if you invest it in approved assets like ELSS. - Ex: Investing ₹12.5k/mo in ELSS reduces your taxable income from ₹5.5L to ₹4L, cutting your tax from ₹13k to ~₹5,200/yr. - That’s ₹7,800 saved in tax + ₹1.5L growing at 12-15% annually! 2️⃣ Section 80D: - Allows you to deduct the premium you pay for health insurance from your taxable income. - Buy a ₹10L health cover (₹10-15k premium). - You save 5% tax on ₹25k = ₹1,250, and you get ₹10L medical cover. 3️⃣ HRA - Rent: - If your salary has an HRA component and you live in a rented house, you don’t pay tax on the least of the HRA in your salary. - If you get HRA and pay ₹15k/mo rent, you can often exempt ₹1.2-1.5L/yr from tax. - That money is already gone as rent → you just get to not pay tax on it. 📌 Note: You must choose the old tax regime (tell HR at the start of the year) to get these benefits. If you plan your taxes early, you can save ₹30-₹50k/yr without any extra cost. But if you ignore and wait till April, you will end up losing it. Tax is not your enemy. Your poor planning and lack of timely action are!

@Rushu_Tushu Samsung M30s. I have been using it for five years.

Indians hate Chinese phones way too much. Currently I have been using iQOO Z7 Pro for almost 3 years now, and honestly, I'm fully satisfied with my purchase. Slim curved design with AMOLED display, Dimensity 7200 processor, solid camera and audio, all under ₹23,000. Show me one Samsung or any other non-Chinsse brand offering the same specs at this price. When I bought it, people around me were criticizing. "Chinese brand", "new launch", blah blah. But at the end of the day, if I'm getting better features within my budget, why should I care? Instead of blind hate, maybe Indian brands should focus on improving their pricing and features to actually compete.

this is why. 95% of the farmers in india die a slow death. they make just enough to survive the next crop. they work 247 just to put food on the table. my father started doing full time farming in 2005 and from 2005 to 2024, he didn't took a single day off. (except when he fall sick. rarely.) he's rarely able to attend any marriages and functions. he visit fields in such harsh winters that you won't go even if you are paid for it. he worked like hell since the age when an avg genZ is roaming around with his girlfriend. he's never able to gain weight throughout his whole life. he also got a slipped disk and had to go through surgery. being a farmer is considered a failure in most villages. my father use to say "agr padhoge ni to meri trh kisan banna padega" and it's the story of most of the indian farmers.

@mssakshinarula Simple. We come with SCARCITY mindsets. NextGen has only Abundance Mindset.

Saw a person mocking people for feeling nostalgic about the 80s and 90s and Ramanand Sagar's Ramayana. You kids have everything at the click of a button. We waited for one episode of Ramayana every Sunday morning with no reruns. TV was not playing content 24/7 neither was the radio. We waited for our song to be played on the radio. There was no Internet or chatgpt that you all use to write your 2 cents about our lives on social media. Well our social media was the community garden and playground or cycling with friends in the neighborhood. We had libraries, for books and video tapes. And the music had soul, people had big voices, autotune did not exist. Your small minds made even smaller by the usage of AI, cannot comprehend why people my age feel this way about the new Ramayana. So excuse us while we are trying hard to connect with something that takes us back to our years as children. The poetry of Ramayana and the loss of Ram the one with quiet strength and kindness for all, wasn't a Marvel Avenger in our heads. I will tell you what the new Ramayana lacks...it lacks soul.

@suritalreja Do these fans last as long as crompton fans? I am still using a few ceiling fans for the >40 years. Two table and one pedestal fan gifted at my wedding in 1984 are still running though they look ugly with many repainting jobs! My first choice is crompton fans anyday.

Today I visited an offline store to check out ceiling fans, and I was genuinely surprised to see that Atomberg Technologies fans were the first recommendation from the shopkeeper. This was a wholesale shop in the electronics market in Indore. One interesting thing I learned: Atomberg was among the pioneers in bringing BLDC technology to the Indian fan market, and many other brands followed later. For those unfamiliar, BLDC (Brushless Direct Current) technology is highly energy-efficient. It uses a motor without carbon brushes and can consume up to 65–70% less electricity compared to traditional induction motor fans. Thanks to permanent magnets and an electronic controller, these fans also generate less heat, operate more quietly, and tend to last longer. The shopkeeper even showed photos from the catalog featuring co-founder @arindam___paul and other founders with the Prime Minister. Another interesting point he mentioned: If you buy from an offline store, they personally ensure service support. But with online purchases, in case of issues, accountability can sometimes be unclear. Quite an insightful experience overall 👍

@RaviBopparaju @mmlxblitz @R_N_Vaghani So over one day someone becomes older by 75%? Wonder how fast the insured person ages!

@mmlxblitz @R_N_Vaghani This year you may be 40. Next year you will be 41, not 39. That's why.

Insurance Price @ 18% GST - ₹4000 @ 0% GST - ₹7000 Why such a steep hike in prices even after GST reforms? This feels nothing short of pure loot by insurance companies. Despite promises of reforms and affordability, policyholders continue to bear the burden of rising premiums year after year.

@KiranTarafder @R_N_Vaghani Someone will come - change the dynamics of health insurance overnight - just like JIO.

@R_N_Vaghani Please start a insurance business offering lower cost

@JaidevJamwal I have four Croma +2 mitsubishi+1Reliance+2 OgenACs running for a few years->10/3 years. 1.75/1.5 T. Mitsubishi is best. OGen is next. Others are all so so. Previously we used to get assembled 3 Phase ACs at half the cost. They were good but now outsdated with no spares/sevice

Are there any good ACs in the Indian market? My LG inverter AC (window) developed a gas leak and corrosion after moderate use in less than three years. Now either have to keep renewing the AMC or pay for new gas refills every season. My older O’General and Carrier worked for 7-8 years before developing any issues. But it’s well-nigh impossible to find similar models anymore and can't trust any shopkeeper. All just lie without any ethics whatsoever.

@urmisgr8 @InvestorOfJAMMU You missed the fun of childhood. Stick ice cream, cotton candy, toffees....what is childhood without these?

@InvestorOfJAMMU Never had anything that had any bright colors, not red drink, not the green jam.. always thought it must be something divine because parents forbade those. Now I realise they saved my liver and gut 🙏😅

In my childhood, I used to be Rooh Afza fan as it was supposed to be a chill drink when mixed with iced water or milk. But got to know later that it was just food colour and loaded Sugar. Indians need to be aware what that are eating. I developed a habbit of checking ingredient list before buying anything packed. Do you check??

@ThetaVegaCap Only a very very lazy person(me included) stays invested for 35 years.

India’s Most Unlucky Investor… Or the Most Disciplined One? Every year, he made the same mistake. He bought the market at the worst possible time :- the 52-week high. ❌1992? Bought at the Harshad Mehta peak. ❌2000? Entered at the dot-com bubble top. ❌2008? Invested right before the global crash. ❌2020? Bought just before COVID panic. Every single time… the market fell after his investment. But he didn’t stop. He kept investing ₹1 lakh every year. No fear. No pause. No strategy change. Just consistency. 35 years later: ✅Total Invested: ₹35 lakh ✅Final Value: ₹3+ crore ✅Return: ~10.5% CAGR Even with the worst timing imaginable. Lesson: You don’t need perfect entry. You need persistence. #Equity #Investing @monikahalan 👍

@RamKuma68033593 @SudsG5 Germany's population vs area is a different story altogether. They do not need skyscrapers.

@SudsG5 Germany, a $60,000 per capita state and an economy the size of the entire Indian Union, has only around 20 Skyscrapers over 150m. Many developed countries don't even have that.

I get that Mumbai is an island. It's richer than Chennai on a per capita basis, we don't even need this dense a skyline but Hiranandani Anchorage (45 floors) As the completed tallest building in Chennai is RIDICULOUS for a $4,000 per capita state. Chennai has only 16 buildings above 100 m under construction. Total. The tallest of these is 160 m. Hyderabad has 110 buildings in the 150 m to 220 m range under construction.

@DocPriyamMD Sub clinical depression is a real and strange disease. It crops up unannounced at odd hours. I do BOX BREATHING to drift back to sleep. It takes a few minutes to an hour at 3.00am to sleep again.

A middle-aged man walked into my OPD today with a peculiar complaint: "Doctor, I have suddenly become a morning person, but I have never felt more miserable." He tells me he has no trouble falling asleep at 10 PM. But like clockwork, he snaps wide awake at 3:30 AM every single night. No matter how hard he tries, he can’t drift back. He spends those silent hours in a state of "heavy" dread, staring at the ceiling, feeling like the day ahead is an impossible mountain to climb. By the time the sun is up, he’s physically and mentally drained. In medicine, we call this Terminal Insomnia (Early Morning Awakening). While anxiety usually makes it hard to fall asleep, this specific pattern is a classic biological marker for Melancholic Depression!! His circadian rhythm has shifted....his body is dumping cortisol hours too early, triggering a state of hyper-arousal during what should be his most restorative sleep. It’s a reminder that depression isn't just "feeling sad"...it’s a systemic physiological glitch that hijacks your internal clock. If someone tells you they have started waking up hours before their alarm and they feel their worst at dawn, don't just call them an early bird. Screen them for depression.

Le Grand Fromage 's piece " BUFFETT'S REAL LESSON IS THE ONE YOU NEVER LEARNT" in Business Standard. Without timing the market, you can't make significant excess returns. Remaining always fully invested/ always equities, simply doesnt work. Markets can be timed. Not doing so, reverts Indian equity returns to just ~8-10% in INR. Adjust for tax (~15%), then volatility (~10%), and you don't even make FD Returns. That too, after so much jhanjhat. But folks who know the Inner Game of timing cycles and asset classes, won't do it for aam janata, that too for a measly 1-2%. They 'd rather do it for themselves for 50%.

@drpps @monikahalan @claudeai 4.96 cr from 35L investment

@monikahalan @claudeai And what is the fate of an investor who invested ₹10000 in Nifty fifty BEES every time the Nifty went down by 100 points for the past 20 years?

What took me hours of work earlier, @claudeai helped me do in minutes. So, this is India's unluckiest investor's story. He buys the Sensex every year at the 52-week high. And keeps buying for 35 years. He is persistent. He is the unluckiest investor in India. Because each time he invests the market falls (that year). But long-term compounding of the market turns Rs 35 lakh into just over Rs 3 crore. That's a 10.5% return. For the worst-timed investment.