Luck_is_Life @Kismat_hai Twitter profile

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Luck_is_Life

@Kismat_hai

2 years

How jobless Indians are-

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@Kismat_hai

11 months

New Visa free countries for Indians- - Thailand - Malaysia - Srilanka - Vietnam These countries understand that Indians have to travel to foreign countries as India is very expensive. - Dubai hotels are cheaper than Goa in Dec/Jan - Thailand is half price of Goa

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@Kismat_hai

13 days

From Indian railways to SpaceX @ElonMusk Study this linkedin profile- how he did it.

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@Kismat_hai

6 months

Middle aged guys in IT sector should start thinking about alternative careers.

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@Kismat_hai

6 months

One decent 3 BHK flat in Bangalore is for 3 crores. How will lakhs of middle class people buy a home? Govt should stop the loot, and fix the home price at 50 lakhs! A home is essential for life. You can't live on road.

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Luck_is_Life

@Kismat_hai

10 months

In most countries, simple hard work will lead to decent living and earning. In India, you have to be smart, clever, cunning, high IQ or corrupt to make a decent living + earning.

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@Kismat_hai

10 months

Europe is cheaper than Srinagar!

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@Kismat_hai

11 months

JW Marriott Dubai, March 2024 price is 19k a night. JW Marriott Goa, March 2024 price is 34k a night. I ain't rich enough to afford Goa!

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@Kismat_hai

8 months

Any one remembers, just 20 years ago, A 2 BHK flat price was 10-15 lakhs. Today, annual rent is 10 lakhs. And, you will have financial gurus who tell not to buy real estate.

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@Kismat_hai

8 months

Has anyone noticed this. The health conscious guys are getting more heart attacks and strokes... Than non-health conscious guys!

Nithin Kamath

@Nithin0dha

8 months

Around 6 weeks ago, I had a mild stroke out of the blue. Dad passing away, poor sleep, exhaustion, dehydration, and overworking out —any of these could be possible reasons. I've gone from having a big droop in the face and not being able to read or write to having a slight droop

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@Kismat_hai

1 year

TDS is very different from TCS. TDS is deducted from salary or FD interest- which is ur earnings & you anyway have to pay tax on your earnings. TCS- this is deducted on expenses. You are not supposed to pay tax on expenses. Nobody in the world does this kind of 20% TCS!

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Luck_is_Life

@Kismat_hai

3 months

Very good budget. Congratulations guys for voting for BJP! Enjoy.

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@Kismat_hai

5 years

Every new McDonald outlet creates at least 50 jobs - 10 Cardiologists, 10 Dentists, 10 weight loss experts apart from people working in McDonald outlet.

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@Kismat_hai

2 years

Most ppl In India don’t even understand that the kind of infrastructure we have after paying 30% tax and 20% GST is very abnormal. This is not normal. This is tax terrorism + corruption + buying vote bank of poor people with free ration etc.

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@Kismat_hai

1 year

Imagine u are earning 2.5 cr annual salary. Paying 1 cr annual tax on it. 1.5 cr after tax. You can buy just 1 decent car by global standards in your entire annual salary, and you don't have roads or infra to drive that car. Such people would like to leave India at 1st chance.

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@Kismat_hai

2 years

On 18 lakh on road price car in Bangalore, govt gets 7.5 lakh. Car manufacturer only gets 10.5 lakhs revenue, profit before tax is only 1 lakh, and again 25k income tax is paid to the govt. Net profit to company- 75k Profit to govt- 7.75 L This is why we get poor quality cars.

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Luck_is_Life

@Kismat_hai

5 months

For people, who blame population for everything in India.

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@Kismat_hai

2 years

If a married couple makes 1.65 crore in New York,USA, (200K USD), the total tax is 20%. Tax paid = 33 lakhs. If same couple makes 1.65 crore in Mumbai, India, effective tax rate is 31%. Tax paid = 51 lkahs You pay 50% more tax for same income in India. + you pay 18-28% GST.

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@Kismat_hai

2 years

In 80% of Marriages (arranged) in India, the guy is judged solely on the basis of annual CTC and family wealth. Then, people say West is more materialistic and Indian people are less materialistic 😂

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@Kismat_hai

5 years

The title "Finance Ministry" should be changed to "Tax Ministry". Do you agree?

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@Kismat_hai

10 months

Current rate of 24 karat pure Gold coin (10 gram) in Dubai = 2500 AED = INR 57000 India, Tanishq 24 karat Gold coin (10 gram) = INR 74000

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Luck_is_Life

@Kismat_hai

7 months

12th Fail!

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@Kismat_hai

2 months

Apartment price of 10 years old 3 BHK in Bangalore. 2021- 1.5 cr 2022 - 1.8 cr 2023 - 2.8 cr 2024 - 3.7 cr Same apartment, 10-12 yrs old. Even if you are ready to pay 3.7 cr, supply is non-existent today.

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@Kismat_hai

2 years

I know a 90 year couple in Bangalore with 400-500 crore networth (in commercial and residential real estate). Only one kid, 65 Yr old Neurosurgeon settled in USA. No grand kids. Their monthly expenditure is less than most households. Live in a simple 3 BHK flat.

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@Kismat_hai

3 months

One of my friends salary doubled in last 5 months from 75L to 1.5 cr. He switched his job twice in 5 months, taking a good hike each time. He is 45 yrs old. You can become lucky at any age!

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Luck_is_Life

@Kismat_hai

5 months

Things to buy in Japan- 1) Nail cutter (Japan has the best). 2) Ball pens. 3) 512 GB/1TB small, cheap pen drives. 4) Packed snacks. 5) Hats

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@Kismat_hai

10 months

View from 45 crores worth Apartment in Mumbai. Who is the joker?

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@Kismat_hai

6 months

India has very high GST & income tax rates. Result- most small business guys do business in Cash. This leads to generation of a lot of cash in Indian economy. Cash is invested into- Gold & Real estate leading to huge import bill of Gold, and too expensive real estate.

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@Kismat_hai

6 months

Business people don't declare full income. Clear as crystal! They invest undeclared income - cash in real estate and Gold.. Keeping the real estate prices pretty high.

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@Kismat_hai

6 years

68% reservation in Maharashtra is too less. Reservation should be 100%. General category shouldn't get any seat. Only way for India to progress! @narendramodi

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Luck_is_Life

@Kismat_hai

2 years

Dubai - low taxes, but Healthcare and Education expenses are out of pocket. No govt help. Europe- highest taxes, but healthcare and education free. US- Medium taxes, school education free, insurance through employer needed for Healthcare India- Fill in the blanks.

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Luck_is_Life

@Kismat_hai

10 months

Target atleast a 100 cr corpus in next 10-15 yrs. Anything less, and you will remain middle class.

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@Kismat_hai

10 months

PPF (section 80C) limit was 1.5 lakhs a year ago. Even today, it is 1.5 lakhs. No increase in 10 years, while inflation has reduced value if INR by half.

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@Kismat_hai

10 months

Lakhs of Indian students waste their lives preparing for IAS/IPS exams. 1 in a lakh are able to get and become powerful officers from nothing. The whole system is wrong. 12th fail is a overhyped movie.

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@Kismat_hai

8 months

In 2007, my annual salary was 2 lakhs per annum. In 2010, my annual salary was 28 lakhs per annum. I didn't save a penny in my 20s, but focused on earning more.

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@Kismat_hai

5 years

I am starting a new venture, a food app that will help all of you reduce weight dramatically. Basically it works as follows: You order, we don't deliver!

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@Kismat_hai

5 years

Dear @FinMinIndia applied LTCG with hope to increase tax revenues. Now, you will not get both STCG and LTCG 😂 @nsitharaman The govt knows only tax language. No growth, no tax.

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@Kismat_hai

6 years

3 levels of Wealth: 1st- out of debt 2nd- don't have to look at the cost of a restaurant before entering it 3rd- don't have to look at the price of an air ticket before planning a vacation! After that, it really doesn't matter! Nanga hee to aaya hai, Kya ghanta le ke jaayega?

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@Kismat_hai

11 months

India is a country now meant for rich people only. Clothes, shoes, etc are at half prices of same brands in other Asian countries. Swift taxi from Goa new airport is Rs. 4000. Dubai airport taxi is Rs. 1700. India is simply unaffordable.

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@Kismat_hai

8 months

2 crore flat was a luxury flat in 2013. In 2024, 2 crore is equivalent to 80 lakhs of 2013.

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@Kismat_hai

3 months

No proper roads, very poor infra, all highways have very high tolls, Very high road tax, income tax. What's so good about collecting lakhs of crores of taxes? Why should we declare full income and pay tax?

CNBC-TV18

@CNBCTV18Live

3 months

#BreakingNews | Gross GST collections up 10.3% YoY for July at ₹1.82 lk cr

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@Kismat_hai

2 years

Bharti Axa life insurance faked a medical certificate to Deny life insurance claim. Yes, the insurance Co faked the certificate. Fine only 1 lakh. You are on your own. Don't trust the govt or the insurance companies. This is why Indians spend lifetime accumulating assets

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@Kismat_hai

6 months

You invest 1 crore today, and portfolio reaches 100 cr in 3 years. What are the top 5 things you will do?

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@Kismat_hai

5 years

France had closed schools after 1700 infections. Italy has closed shops after 1000 deaths. India closed down schools, malls, cinemas, stopped international visas after 70 infections (mostly imported only). We should do fine.

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@Kismat_hai

2 years

Kids of upper middle class are migrating to developed countries for higher education and jobs. Gradually, India will be mostly poor, lower middle class and Rich people. The educated middle/upper middle class will gradually exit India.

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@Kismat_hai

2 years

Indian hotels are one of the most expensive in Asia! Indian electronics are the most expensive globally. Petrol, car prices in India are the highest globally. GDP per capita is one of the lowest globally!

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@Kismat_hai

5 years

My grandparents had 4 kids. My parents had 2 kids. I have 1 kid. My kid may choose to not have a kid. This is the story of many middle class households as well. The economy has room for another 20 years. After that, aging will hit India pretty hard.

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@Kismat_hai

5 years

China's secret weapon - To reduce productivity of Indians by getting them to waste billions of hours on TikTok. And, it is working!

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@Kismat_hai

2 years

How to save lakhs in LTCG Tax on sale of shares? - Section 54F, which allows you to save LTCG tax on sale of equity shares & mutual funds by investing the proceeds in real estate. - Read about it and thank me later for saving you lakhs in taxes.

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@Kismat_hai

5 years

Best business model is to make Zero profits. Pay zero taxes. Spend all your money to grow market share. Govt gets zero tax. Example - Amazon

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@Kismat_hai

10 months

Majority of govt officers are corrupt. Yet, clearing an exam to become that govt office is called a success. Welcome to India.

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@Kismat_hai

11 months

Charlie Munger's view on India. All investors who were posting about Charlie believe in this or not?

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@Kismat_hai

2 years

Investing can help you only if your base capital is decent. If you invest 25 Lakhs and make 2.5 cr in 10 yrs at 27% CAGR, you still will remain middle class only as 2.5 cr in 10 years from now will not be a big amount any more. 1st step is always to earn high.

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@Kismat_hai

1 year

Few intellectual investors made 100x in a stock in 30 years - they are considered Gods of investing. Lakhs of Indian people made 100x in real estate - oh. Just average people! No wonder, the majority of Mercedes on Indian roads belong to real estate investors, not stock Invstr!

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@Kismat_hai

5 years

All IAS, IRS babus should take a 30% cut of their total compensation to sacrifice for the growth and development of the country. RT if you agree. @nsitharaman @FinMinIndia @amitabhk87

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@Kismat_hai

11 months

Why are things so expensive in India? 1) First world real estate prices- most imp resource. 2) Commercial electricity is very expensive. Due to poor govt policies. 3) Labour cost is higher than Asian countries due to unions & high basic expenses. 4) Interest rates are high

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@Kismat_hai

5 years

Even if Crude goes to zero, Indians will get petrol at no less than ₹70/Ltr.

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@Kismat_hai

2 years

How many centuries will It take for India to reach this kind of infrastructure?

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@Kismat_hai

10 months

Situation in Srilanka!

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@Kismat_hai

5 years

5 years ago mkts celebrated Modi win. 5 years from now, mkts will celebrate Congress win

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@Kismat_hai

6 years

Advice from a 71 yr old to Bangalore Real estate buyers. Must read!

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@Kismat_hai

2 years

In South India, you can't tell the difference between your Neighbor X having 3 cr networth and another Y having 300 cr networth.

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@Kismat_hai

2 years

Flat depreciates. Land appreciates. Buying over-priced flats for 2% rental yield should not be called "Investing".

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Luck_is_Life

@Kismat_hai

7 years

Buying a 60k phone or eating in an expensive restaurant is not Luxury. It is working 5 hrs a day, taking 8 hours of sleep & spending time with family 😊😊😊

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@Kismat_hai

1 year

List of Mutual fund houses that have invested in horrible Mama Earth IPO. 1) ICICI 2) Aditya Birla 3) Nippon 4) Axis 5) Whiteoak 6) Invesco 7) Canara robeco I would ask my enemies to invest in these mutual funds!

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@Kismat_hai

5 years

Why should big farmers making 20 lakh plus in annual profits not pay taxes?? Give me a reason @nsitharaman @FinMinIndia @nsitharamanoffc Give it to me!

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@Kismat_hai

6 years

People wait for 10 years in Fixed deposit to double their money. But they can't wait for 4 years in stocks!

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@Kismat_hai

6 years

Unofficial sources confirm kejriwal was tied to nose of one mirage so that he can see for himself!

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@Kismat_hai

6 months

Only one company in India has recieved EU certification to make pipes to transport Hydrogen. Which one?

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@Kismat_hai

6 years

Stock market is the only market place where people are unhappy when the things are available at a good discount!

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@Kismat_hai

5 years

VG Siddhartha tried to build a pan India coffee chain (& 30,000 jobs), but failed. Vijay Mallya tried to build a full service airline but failed. They lost their personal money and networth as well. Govt servants and employees don't even lose a penny ever!

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@Kismat_hai

5 years

New business - 1. Buy Put options of stock A 2. File petition against the co for fraud. 3. Square puts at big profit. 4. Buy call options of stock A 5. Withdraw petition. 6. Square call options at big profit.

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@Kismat_hai

2 months

Long term investors at 70 yrs of age- have crores in mutual funds- but can't utilize it. Always lived frugal lifestyle- and will maintain it. Money will go to a grandkid (if they have)- who will later buy a Porsche. or will go to the government if no heirs.

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@Kismat_hai

1 year

If govt wants to track- govt can put 1% TCS. You can buy a car for 2 crores in India- you pay only 1% TCS. Real estate transactions also have 1% TCS only. Why put massive 20% here vs 1% in real estate? Real estate is biggest cash bin in India.

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@Kismat_hai

10 months

Had 1 draft beer, 1 plate chicken Dimsun, 1 plate Chicken Pad Thai, 1 strawberry Crepe. All For Rs. 700, and one of the most delicious meals. Also, hired Toyota Yaris Taxi for Rs. 1900 for 2 hours, unlimited km and stops. All this happened in Thailand.

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@Kismat_hai

6 months

@Ritwik_Rai opposite for them. older, the better.

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Luck_is_Life

@Kismat_hai

10 months

1 crore per year income would not be enough for a family of 4! .. 20 years from now.

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@Kismat_hai

8 months

Paytm and Nykaa IPO came, looted retail investors. Mutual funds subscribed. Debt laden Adani companies went 100x. SEBI didn't say anything. Welcome to India.

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Luck_is_Life

@Kismat_hai

10 months

@Loony_Eclipse Just returned from Thailand. Not just cost.. Hospitality, food, transport quality... Everything is much better in Thailand. Last year, we went to Phuket and Bangkok. This year to Chiang Mai and Bangkok.

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@Kismat_hai

5 years

30 yrs ago, we were pretty poor compared to today. -Water, Air were non toxic -Student suicides were rare -Traffic accidents were rare -Stress was lower -Social connect was higher -Homes were affordable Today, we have cars, LED TV, ACs, mobile, FB. Have we net gained or lost?

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Luck_is_Life

@Kismat_hai

5 years

Rare is a government in this world which does not want its capital markets to do well. An achievement by @nsitharaman @FinMinIndia

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@Kismat_hai

5 years

HDFC is the 3rd largest shareholder of IL&FS with 9% stake. HDFC had its people on IL&FS board! Deloitte was IL&FS auditor! Jiska stock chale, woh promoter sadhu, baaki sab daku!

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@Kismat_hai

6 years

Q. Why mkt likes Modi? A. Very low corruption at centre. Lot more people paying taxes. Less ways of hiding income due to GST, reverse charge. All this leads to low inflation. Low inflation means lower borrowing costs eventually. Lower interest rates-Higher equity valuation

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@Kismat_hai

2 months

Money is not that important- if the govt provides good infra, public transport, education, healthcare, rights, law and order for everyone. People will care more for other things in life. In India, without these things- money becomes the only goal- for practically everyone.

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@Kismat_hai

5 years

Michael Clarke : “ All I see is blue t-shirts and Indian flags all around the stands and not much green colour.” Saurav Ganguly : “ Yeah! Costly ticket may be !”

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@Kismat_hai

5 years

My school friend died yday frm cancer. Rip. One never knows when the time is up. Death is greatest equalizer. Rich or poor. Everyone ends up same way. Remembering that u r going to die is the best way to avoid the trap of thinking u have something to lose. U r already naked

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@Kismat_hai

2 years

How can a middle class guy with 20 lakh income and 10-15 lakh expenses become rich? 1. Real estate - No, as he can't lockin his money for 10-15 yrs with zero liquidity. And can't buy multiple properties 2. Stocks- No, as he doesn't have time to do own research in small caps.

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@Kismat_hai

4 years

Bandra....just an hour back. Why not end the lockdown officially and let the economy resume fully?

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@Kismat_hai

5 years

Paying higher taxes is not an issue if tax money is used for growth and development. Or if there are economic reforms. Or if there are judicial and administrative reforms. But, nothing has happened in 5 years. Nothing! @nsitharaman @FinMinIndia

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@Kismat_hai

2 years

After paying 35% tax (including surcharge), 18% GST, We Indians don't get clean drinkable water in homes.. In whole of India. And we will become superpower. ROFL!

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@Kismat_hai

5 years

Everybody thought that a country needs fighter jets and anti-aircraft missiles to win a war. They forgot about ventilators and ICU beds!

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@Kismat_hai

5 years

One who turns a big opportunity into a crisis is called Govt of.. US China trade war was a big opportunity to Make in India. Lack of growth globally was an opportunity to attract investments by reforms & lowering tax @nsitharaman Instead we are staring at job losses. 😢

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@Kismat_hai

1 year

The best thing I read today!

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@Kismat_hai

2 years

With this kind of taxes, the tax rate is at Europe level (GST+tax), and tax payers should get free good education plus free healthcare or world class city roads. What we get is third world infra, third world corruption, third world passport.

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@Kismat_hai

6 years

India has IITs and IIMs. USA has graduates of IITs and IIMs.

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@Kismat_hai

5 years

Cars in India cost 2x the price in USA. While the GDP per capita of USA is 30x. Affordability difference is 60x! We must thank people who buy such expensive cars in India and generate huge employment!

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@Kismat_hai

2 years

When you buy a 50 lakh car, you pay TCS of 1% When you spend 2 lakh on foreign trip, you pay TCS of 20% Can any financial expert help explain why is there 20x difference, if the purpose is tracking and not assertion of power.

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@Kismat_hai

8 months

Zerodha has introduced XIRR feature! My friend's portfolio XIRR.

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@Kismat_hai

5 years

For last 20 yrs and beyond, govt mis-used our tax money. Used it on subsidies and political loan waivers instead of healthcare, education and infra. Now, why should we donate more money to the same govt? Tell me!

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