VEGABOND

Buying vs renting which is a better option for me suppose present scenario i am living in a house which is costing me per month 11500 plus 300 maintainnce and current price is 35lakh rs to 40 lakh rs the current property appreciation rate is 5 percent p.a so and i am targeting rs 25000 in index fund for my future retirement plan. So to take a small calculation lets see were we ends up - rented in nect 20 years will cost me nearby 12000 *12*5+15000*12*5+20000*12*5+25000*12*5= lumsum 45000 laks rs in 20 years in water. If i takes a loan now for 35 lakh house i would pay rs 70 lakh in next 20 years at 35000 pm emi. With property appreciation rate its nearby 3 percent per year or even less so that will be near by so it it will be worh rs 6300000 rs even less then the total loan amount paid,this is s smart work from bank who i sproviding the loan and  foolishness of the person who are buying there house on loan from bank. Lets comes to sip a sip of 25000 pm sip in index fund at 14 per

There was going to be a Cultural functional events in our school i and sarwan were in the same school there was a girl whose name was Div**li who was mine number 1 enemy. She was the monotor of our class as she was the topper as well so she began to quote the name of the students who were going to the cultural event there were all the teacher and respected cultural events head with his wife as well. She called by name i repsoned by saying yes even i stood from my seat but she intentionlly called by name twice and murmured somethings.I knew she cut my name from the list. I went to the stage afte the name was announced to get status of my candidature in the event the teacher told that they dropped my name as i did not stood when my name was quoted event the event manegement were agreed with them i was very much depressed i decided to throw Dibanjali away from her monitorship by securing more number then her in next exams as this was the parameter set for getting monitorship of the cl

We planned our trip on Feb  2020 after deciding for almost 4 years ,i was deciding such trip before marraige but always retreated due to expenses. Ultimately i,sarwan and sunil planned to go on this trip.it was day 1st Feb 2020 that we ulitmately decided .I have already taken a lot of leaves due to helath issue and for Driving licence of mine. but finally idecided to go at the last moment.We took Ola Cab for 1 st Feb.The route was from Meerut Expressway to Rishikesh (halt) to Auli Joshimath.We were joined by one more friend his name is kundu he is our friend from Kolkata. He brought 1 whisky bottle with himself which we will be sharing in the trip. We drank in the 1st half and sleept a little bit We halted at one small resturant on expressway i was a little cold at that time as it was a open space. We had our breakfast mainly partaha and chantani and curd i was extremely testy the butter the provided was home made and it was tasty. We had our tea after breakfast and we co

I m having severe acidity issue from last 6 months it due to irregular food habbit eating outside food and spicy non veg i am diagnoise with kidney stone. Now i planning to staart 24 hr fast on water only not to earn anything in that tenure only water and patthar chatta leaf. Lets see what changes it brings in me.I have been vegetarian from last 1 month not even eating eggs, the result are pleasing as i m more clear from my thought there is no more confusion in my act and i see the world more clearly as it is. I have started yoga and exercise as well and  soon will be buying one boxing bag to bag to hit as a exercise.