I'm a salaried professional at 15% tax slab. I'd Appreciate any tax saving strategies to reduce my tax on short term capital gains.
u/Heisenberg016
It’s been eight months since she decided to leave me. Her main reason was that I wasn’t emotionally available at times and that I was too focused on my career and long-term goals.
For the next six months after the breakup, I kept trying to make her understand my perspective. Every time I explained myself, it only made her more upset. Even though I knew it would probably end badly, I still held on to that 1% hope that maybe she would understand me one day.
I gave it everything I had. I tried to communicate, to explain, to fix things. But instead of things improving, she slowly became distant and cold.
During this phase, she also involved my friends. She would complain to them about me saying I didn’t prioritize her, that I was neglecting the relationship, and so on. Over time, this created distance between me and those friends as well. Now, I’m not really in touch with them anymore.
The hardest part is that she was the one person I truly felt comfortable with after a very long time. I had built my entire emotional world around her. Now that she’s gone, I feel completely lost.
I do have a few other friends who are trying to support me, but every single day, the regret of losing her keeps growing. It’s like my mind keeps replaying everything, wondering what I could have done differently.
Lately, whenever things get too heavy, I find myself praying just to calm down. My heart starts racing, I zone out, and I feel like I’m losing control of myself. I even tried therapy, but honestly, it didn’t help me much.
I’m struggling a lot right now.
Is there any chance that going no-contact could make her understand my side? Even a 1% chance? Or is there anything I can do at this point?
I just don’t want to lose who I am in the process of losing her.
I don't really want to put all my money into buying an iPhone. I'd appreciate it if there are good stores that offer no-cost EMIs. I checked Flipkart EMI, which is much more than the actual amount I will be paying. What are the other options for buying
I noticed a discrepancy in the expense ratio of the Kotak Midcap Fund (Direct Growth) on Groww.
On Groww, the expense ratio is shown as 0.48%, but the official expense ratio (from the AMC / factsheet) appears to be around 0.38%.
I was under the impression that direct mutual funds should have the same expense ratio regardless of the platform, since platforms like Groww don’t charge any additional commission on direct plans.
So I’m trying to understand:
- Why is Groww showing a higher expense ratio?
- Is this due to delayed updates, inclusion of additional costs, or something else?
- Has anyone else noticed similar discrepancies with other funds?
Would appreciate any insights from the community!