Where and how do you invest your monthly salary?
Hi All,Awasum answers across from many intellectuals. Thank you for that.My answer’s context is India.Here is my answer and I KIS (keep it simple).Here is some back ground, a married with one 9 year old and staying with my parents. House is paid off and no loans.Age: 36Working Experience- 13 yearsQualification- M.TechI generally do not believe in loans until recent. one of my adviser told me to take home loan and use that money for buying another property as it will give me money at effective rate of 7 % after deducting Tax benefits.I have bought a real estate property again in tier 1 metro city (1.1 Cr.) which is on rent. No loans and fully paid off property.Pointers-I do not buy new phones, all my and wife’s cell phones are used one, I take utmost care while getting a used one, mostly from online portals. I straight away save 30% as I find some phones which are used for just 2- 3 months and available at very cheap rates, I bought a VIVO NEX almost new at 28KWe live frugal, lower middle class life style. Not much fancy and sometime boringMe and wife both believe in simple living and high thinking, we invest in books, holidays, great and quality food and experiencesWe invest in health and things which adds value to life and not lifestyle, we have joined a gym which is nearby but the cheapest in our area. Primary reason is, if the gym is far after a while it will be boring to go everyday. I have never missed 4 days gym in past 5 yearsMy son goes to international board, again nearby my home so no bus expenses, wife goes to drop and pick himSon goes to extra curricular activities everyday- learning chess, guitar, grammars and spoken English etc.No expenses for parents, they take care of them selvesNo liabilities, no loans~70% income goes in savingsPeople say I am miser, I believe them :-)Wife earns 60K a year, she does not invest, she mostly spends in charity, miscellaneous expensesI drive a Honda 2012 model, one of my bike is 12 year old and other one is 1 year oldI use bike going to office, I read some where that “If you are going alone in a car everyday to your workplace, do not consider your self educated”Suggestions are always welcome.Thank you!Edit1: thank you Venkatesh for the suggested edit
Foxtail in my Dog's throat? None Veterinary Treatment Help!?
Before I start asking for advice, I want to make this clear, I WILL NOT BE TAKING MY DOG TO THE VETERINARIAN. I haven't been to the doctor for 10 years, neither has any one in my family, neither will my dog. So I am using the wealthy knowledge of the world to aid me in my search for help to my dog. Those who feel the need to impose my decision and feel the need to "hate" can do so, as it does not bother me or my dog. Sorry! My dog has been playing around in the huge overgrown backyard my parents have failed to tame. As a result, he hasn't been eating, drinking, acting normal, or breathing correctly. He has periodic gagging, swallowing, and coughing. He also is shivering while laying down. He is also getting very little sleep. Although I have no veterinary education, I am going to make the educated guess that my dog has swallowed a foxtail So my question for everyone is this: Is there anything I can do to help my dog? Besides bring him to the vet, can I give him homemade liquids to help dislodge the foxtail? Can I stick my hand down his throat to remove it? Can he throw it up? Any advice helps. I am very sorry everyone, but if i had the money to do so, he'd be in the Animal Hospital right this moment. However the world has set a different path for my dog to take. He is a fighter and usually gets through these types of instances, but if so, I would like a reality check as I might be facing a dead dog in my arms in the next few days. Thanks for the help my friends.
How to make a homemade anesthesia?
Ether, available at car shops near you. Keep in mind, though, that what you'll find probably won't be medical quality and will almost surely be harmful to you.
How long does it take to fix a credit score?
Paying $100 out of $5000 will not raise your score significantly...here is the FICO score breakdown 35% Payment History 30% Amounts Owed 15% Length of Credit History 10% New Credit 10% Types of Credit If you cleared up the $5000 that would help, but you have two other problems...your payment history is not good (you basically stated the only things on your report are negative) and the types of credit are not good. What you need to do is get some credit and use it responsibly... this means charging no more than 50% of the available credit and making all payment on time.
How did early settlers treat a rattlesnake bite!! It is due tomorrow!!!!!HELPPP!!!!!?
I have to do a report on how early settlers on the Oregon trail would treat a rattlesnake and i cant find very good info on the internet so can you please help me and i need to know soon if you can help!!!!!!!thx!!