Ravi Handa
@ravihanda
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Host of Desi FIRE Podcast | Erlich Bachman is my Naval | Nusrat is my Beethoven
Jaipur, Rajasthan
Joined April 2009
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Investing in an Uncertain and Changing World.
In this episode, we sit down with
@profvidhu
He is a financial economist who teaches Finance & FinTech at S P Jain, Mumbai. He has done his PhD from IIM Calcutta. Prior to that, he did his B. Tech from IIT-Kharagpur and MBA from…
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Crazy
@Tesla
video from a week ago. Just saw it on Reddit.
Driver was trying to park the car and then things went awry.
Parking button didn’t work.
Breaks didn’t work.
It just kept on accelerating.
Two people including a high school girl dead.
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India had a Sikh Prime Minister, Manmohan Singh.
India's first Defence Minister was a Sikh, Baldev Singh
Meanwhile, NRI uncles:
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If you are under 30 and in 30% tax bracket - just leave India.
Come back in 10-15 years (IF YOU WANT). By then you will have enough money to retire and you will be set for life.
Have kids outside. Ensure they get a better citizenship / passport. They will be set for life.
The return on income tax paid is horrible in India, no where in this world a salaried class is exploit by Govt like this.
You pay 31.2% tax or most probably you give more money to Govt than you spend on yourself annually, but in return
1. To get even a small work done in Govt…
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How bad is the job market!
3000 people lined up outside an IT company in Hinjewadi, Pune for a walk-in drive to hire a junior developer.
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IIM Lucknow is reaching out to alumni to help them with placements.
It is “crucial to maintain the legacy of IIM Lucknow’s 100% placement record”.
It isn’t about 5-10 people but 72 candidates at IIM-L do not have a job.
Imagine the status at other B-schools.
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This guy literally drives a Jaguar.
A red Jaguar.
In BANGALORE!
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Prices in Bangalore have really gone bonkers.
1000 ₹ per hour for parking.
It is nuts!
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First IIM Lucknow, now BITS Pilani asking alumni to help out with placements.
This is the first time I am seeing such groveling after 2008.
"help them tide through current crisis"
"gentle request to please keep this in mind"
"Thanking you very much in advance"
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Request to all restaurants - please start using English to indicate bathrooms.
Stop relying on our fashion sense.
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How is it that the water situation in Bangalore is worse than any other big city?
I live in Rajasthan. Have grown up here. Water scarcity has been a part of life.
But I have never heard about people going to a nearby mall to shit. Using wet wipes. Disposable cutlery. Ordering…
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Isn't this too difficult for class 3?
Or I am out of touch with what happens in Indian schools.
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We live in a country where our biggest achievement is to leave it.
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A 25 year old committed suicide due to work pressure. Colleague says - "The affairs within the firm are business as usual."
IIT Madras + IIM Calcutta. Worked at McKinsey.
I wish I was making this up.
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The funniest part about the Ashneer fraud story is how they got caught.
They gave invoices.
The bank account numbers they mentioned in the invoice were opened AFTER the date of the invoice. 😂
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Even the super rich aren't immune to the menace of street dogs. His company does an annual revenue of 2000+ crores.
When will it end!
Is there any government body / any NGO even working at tackling this.
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The problem with growing up in the 90s is that you are scared of losing even after 397.
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This has to be the most brutal takedown of an Indian unicorn CEO that I have ever read.
About how thr founder of Apna is dim, vain, detached... the list goes on.
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This is why people don’t like renting to bachelors.
An “educated” bachelor working in a “large MNC” did this in Bangalore.
Got these pics from Reddit.
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Average Salary for Software Engineer is ~4000$ per year at your company Sir. It is roughly what the average worker made in America 100 YEARS AGO!
Hope you start paying freshers better instead of making such ludicrous claims.
Leave that job for useless people like me.
OpenAI founder Sam Altman said it’s pretty hopeless for Indian companies to try and compete with them.
Dear
@sama
, From one CEO to another..
CHALLENGE ACCEPTED.
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How bad is the water shortage issue in Bangalore? (I thought the only problem there was traffic)
Saw this notice in a tweet where it says water supply will be stopped at 11:30 AM till they figure out a solution.
Googled to find out that a flat costs 2 cr+
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Bangalore gives you high salaries and great weather.
Yes - sometimes you don’t have water to take a bath, takes 40 minutes to cover 4 kms, lakes are filled with foam, and there is an occasional beating.
But those are small issues.
Did I mention how great the weather was.
Yesterday night in Bengaluru's Doddanekundi a couple from Karnataka's Belagavi who recently moved to the city were harassed thrashed, abused for parking their car infront of their house (in a land which is open for parking).
#bengaluru
@CPBlr
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Paid my highest credit card bill in a long time (probably the biggest ever) of close to 1.75 Lakhs.
What disappointed me wasn’t that the bill was high but the fact that I got only ₹4 cashback by doing it via
@CRED_club
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Every once in a while, I like to take selfies with bad financial decisions that make me immensely happy.
Here are the top 2.
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Over 100 MBA students at IIM-Bangalore were unsuccessful in this year’s summer internship placements.
That means 1 in 6.
This is a scary stat for the entire MBA ecosystem.
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If Mamaearth can ask for a 24000 Crore valuation, you can ask for 200% salary hike.
The problem is that Mamaearth would probably get it. You probably won’t.
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Ok.
What college is this?
How much does graduation cost here?
(Some tweets said it is Ashoka)
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From today, I will stop using Cred and use Paytm for all my UPI transactions.
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Indian edtech founders are now literally locking in their employees.
Get the hell out of this country.
Nowhere else would anyone dare to pull off something like this.
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A 35-40 year old needs 5 crore if he wants to retire today.
Great chart by Truemind Capital.
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#TIL
- Punit Renjen, now CEO of Deloitte, had to drop out of a school because his parents couldn't afford the school fees.
Graduated from a local college in Rohtak because it was cheap.
Went to Delhi to find jobs based upon an advert for Usha that he saw in a newspaper.
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Perhaps it is a sample bias but I now know 5 people personally who have 15-20 years of experience but are unemployed for 6+ months or took a massive salary cut.
40s are turning out to be hard for a lot of people on the career front.
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To everyone who says house is not an asset but a liability - please gift it to me.
I am more than happy to take the liability off your hands.
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Going through Bangalore based tweets can be depressing.
A girl from Infosys died because her car got stuck in a waterlogged underpass.
A guy got beat up inside the housing society he lives in for using the wrong gate to enter.
Founder sells his shares of 60 crore back to…
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SEBI Chief is saying bubble.
Mutual Funds are saying we won't take money.
But you - you will keep buying because you are smarter than everyone and know everything that is going to happen.
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Happy to share that after completing a White Hat Junior course, my son has been hired as front end dev at BharatPe.
Here he is with his BMW.
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This is what real FIRE looks like (Not what fat 40 year old uncles shout on Youtube about):
How to get there:
Graduate from IIT-B at 21
PhD from University of Illinois at 24
Starting salary 2,65,000 $
Retire in 5 years at 29
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Depressing video about why Shami didn’t play for Uttar Pradesh - where he was born and grew up.
How many Shamis we would have lost thanks to corrupt and egotistical middlemen!
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All 10 are in West Bengal.
Is this also politically motivated or things are actually that bad?
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Resignation letter of CFO of a listed company - Mitshi India.
They sent it to BSE as a part of disclosure. 😂😂
Share up 3%.
Original can be found here (Page 4) on the BSE website -
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Monkey looking at Prof. H C Verma - Concepts of Physics sikhaane ke naam par humaari poori species ko badnaam kar diya.
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Why I hate talking to financial advisors!
(Ishaan is my 2.5 year old son)
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@Sassy_Soul_
I got an offer to tweet something on similar lines for 2500₹.
I don't know if you were paid to do it or on your own. Because this is coming 3-4 days after the original video.
If you were paid, can you please share how much. Asking so that I can benchmark my rates.
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I don’t get it.
How come you are rich enough to go to a first world country to study but still have to depend on food banks.
Or you are disgusting enough to take free food which is meant for the poor and homeless.
Indians and their horrible jugaads.
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What people should be angry about
Vs
What people are angry about
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“It costs a lot of money to keep this man in poverty.”
- Sarojini Naidu about Mahatma Gandhi.
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Next time a journalist asks for credit for his work - show him this.
They took my image. They took my tweet. They took everything and posted it under the name of "social media user".
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If anyone wants to catch up over coffee, I will be at the Kolkata airport from 12 noon to 8 PM.
Actually, the flight is at 2 but it is an Indigo flight.
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Earlier I used to think how stupid these folks are.
What’s the point of standing in line for hours for the latest iPhone?
I guess some of you still feel that way.
But then again - what’s the point of climbing Everest and waiting in line to reach the top of the summit?
The…
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2014: Byjus is the future of education.
2024: People don't want their daughters to marry Byjus' employees.
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Do you ever notice how it’s only people who have money that think money isn’t important?
The Buddha is only the Buddha because he was a prince first, right?
He had stuff to renounce.
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Not going to lie - expected this to happen. Did not know it would happen so soon.
Context: a passenger punched an Indigo pilot because the flight was delayed.
And since there are no strong laws in India to prevent this, it will happen again.
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Update: The kid got calls from both IIM-A and IIM-L.
Twitter does do some positive in the world. 🙂
Can someone please help the candidate here.
He seems to be missing out because of a clerical error.
If you know anyone in the admissions committee or a prof at IIM-A / IIM-L, please help out.
The official Helpdesk is not responding.
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Succumbed to peer pressure and got a new car.
Well, second hand. But still. Yay!!
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Deleted my tweet criticising the Edtech company, who I am not allowed to name, because they started legal proceedings.
For future reference, if you want something deleted:
1 - Offer me 500₹
2 - DM me threatening to sue
3 - Send a strongly worded email
Please don’t sue.
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Bhai tu Paytm sambhal le - Twitter Elon Bhaiyya dekh lenge.
Waise hi bahut nuksaan karwa diya IPO mein.
@elonmusk
@StephenKing
$8 for blue and $24 for purple. (With extras like ad free linked content / DM to anyone / extra options for Sorting home feed / more nuanced blocking : muting options than generic user/ ability to pin more than one tweet/ colorful
#tags
… )
@sriramk
ProUser Vs PowerUser
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Wife is out of town for a few days.
Just me and the kid. He is 3.
Goal 1 - Keep him safe and away from injury.
Goal 2 - Achieve goal 1.
Please send tips - this is the first time I am alone with him for so long.
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I really don’t understand how startups work.
A friend who does virtually nothing but chats in WhatsApp groups all day has got a raise and is now above 1.5 Cr (excluding ESOP)
Another one who is a hard worker and sincere student since college has been let go.
Both IIT IIM.
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Front page of a newspaper (thankfully for the right reasons) 😁
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Please listen to Vineet here. I know Mr Modi wouldn’t.
I got in touch with Vineet couple of years ago on LinkedIn. Every time I have spoke to him or read something he wrote - I felt genuine warmth.
Here is to hoping his tribe grows.
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I feel rich when I tell people to invest 1.5 lakh ₹ in PPF before 5th April.
Then the college group humbles me where a Bangalore based founder friend talks about buying a yacht and a Singapore based friend tries to sell him one.
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Deleted a few tweets from my timeline because I am scared of the repercussions.
If any of you find any tweet of mine that is offensive to you, please put in the comment thread.
I will delete it and give you Rs 11.
I do not have the spine of
@zoo_bear
I GIVE UP!
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The hospital being decked up before Modi’s visit is the defining picture of the
#Morbi
tragedy.
Poor die on collapsing bridges. Rich die on badly designed highways.
No lives matter in this nation.
Get out of here. If you are in 20s, you still have a chance.
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I tend to agree with
@_svs_
on 99% of the things he says.
This is the 1% that I don’t agree with.
Indian employers, recruiters, HR managers are trying to squeeze you.
You should always think of your benefit.
Do not trust anyone by default. Let them earn it.
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Please suggest something intense and fast paced to watch on Netflix - like Casino or Black Mirror.
Preferably a movie. A limited series is fine as well.
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I have asked my son to resign from BharatPe because of founder’s behaviour. He said he would once he has another offer.
He is proficient at AI / ML but his core interest is in Web3.
If there are any openings at your company, please DM. Please RT for karma or at least CFBR.
Happy to share that after completing a White Hat Junior course, my son has been hired as front end dev at BharatPe.
Here he is with his BMW.
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Looks like Chidambaram is really going after Byjus.
Points raised:
1 - Why is it called edtech and not hardware?
2 - Why are salaries classified as capital expense and not operational expense?
3 - Call to open up Byju’s financial statements.
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Fees for IIM-A has moved from 1.5 Lakhs to 25 Lakhs in 20 years. Roughly 17 times. If you have a 3 year old now, he will need 4-4.5 Crs for an MBA.
Data like this is often used to scare people.
Yes - inflation exists.
Yes - it can be scary.
But it is often made out to be…
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The difference between culture and vulture is separated by a thin line.
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Never knew people were talking about me outside of twitter.
The FIRE course should do well.
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CEOs need to stop public shaming new joiners from backing out at the last moment.
Elon has decided not to join our board. I sent a brief note to the company, sharing with you all here.
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As someone who saved 50%+, FIREd, started SIP for kid and has talked about it openly on various channels - you know why I don’t talk about luck and privilege.
Because it DOES NOT SELL!
Doesn’t get likes / RTs / views.
I have asked and requested YouTubers to not flash the…
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A 65 year old Doctor was mauled to death by a pack of stray dogs on his morning walk inside the university campus in Aligarh.
He did nothing to provoke. Was just looking at his phone. He looks reasonably fit as well.
#HorribleVideo
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Just ended a zoom call with a potential client (2 people).
The junior person kept saying “mouth to mouth” publicity instead of “word of mouth”. 😂
Took all my strength not to correct her.
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Friends: You should do some charity. You will feel good.
Me: Naah.
Parents: You should do some charity. Punya milega.
Me: Naah.
Wife: You should do some charity. You will get likes on Twitter.
Me: Let’s distribute 500 sweaters. 😂
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My biggest issue with people working in finance space is this - how badly they treat and demean their clients.
They share their private info and ridicule them.
You will not see this happening with doctors / teachers / prostitutes - any other service industry professional.
Filed a salaried ITR with 12 lakhs salary and 14 lakhs loss in F&O 🥲 hope people realise that F&O trading and doing job simultaneously is not everyone's cup of tea 😐
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I fail to understand why the hell do people choose to live in Gurgaon.
Itni sardi, itni garmi, itna pollution, paani nahi hai, infra nahi hai, law and order nahi hai.
Sasti daaru Ka kya karoge.
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Founder shared how ‘Koo’ has had a huge success in Brazil.
I googled to find the reason.
‘Koo’ means ‘ass’ in Portugese.
Neto, a Brazilian celebrity influencer with 15.4 million Twitter followers, tweeted , “My goal is to have the biggest koo [ass] in Brazil.”😂😂
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“Throw the bottles in the dustbins”
Kind of unfortunate that an international coach has to say that out loud to top level cricketers.
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Just opened Zerodha account.
Will start trading from tomorrow.
Will start posting fake screenshots next week.
Will start a trading course on 1st Feb.
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Employers can be brutal and heartless without even realising it.
Here is an IIM-A alum who runs multiple companies recommending to send kids to a school that takes care of them till 4 PM. One of the costliest that costs 20-25k a month. He says he prefers hiring them.
Why?
So…
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Do not take financial advice from someone whose salary is in Crores and drives a Jaguar in Bangalore.
It is similar to discussing house hunting problems with upper caste married vegetarian Hindu men.
Their privilege makes them blind.
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@U_pasana
If PW wants to do charity, they can give out scholarships.
If they don't want to give out scholarships, they could defer fee payments for students.
Asking others to donate money so that customers can buy their products in which they make a profit does not sit well with me.
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I knew that the anti-Hindi sentiments were there in Bangalore but had no idea things were this bad.
I understand that there are a 100+ factors that lead to it. I understand that there is a signage rule.
What I do not get is - why are goons on street implementing the rule!
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President's wife accepted a Dior bag as a gift and it has become an international scandal.
A PWD junior architect in India would demand more than that.
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Every person I talk to is moving money out of equity or at least not buying anymore.
May be it is just my network.
Personally, I am moving to gold and debt.
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I knew real estate in Mumbai is crazy but this is unreal.
How is this a balcony?
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