Bharath

[MANISH PANDEY @ManishPandeyLKW]

Keeping in mind the rising fuel costs in the country, I bought an MG Windsor EV a few months ago. I genuinely believed I was making a smart decision. Unfortunately, what followed has been one of the worst ownership experiences of my life.
About a month ago, while returning from my son's school, a speeding Mahindra Thar rammed into my car from behind. My vehicle was moving at barely 30–35 km/h when the impact pushed it into an Innova ahead. The rear section of the car suffered significant damage.
The very same day, I handed the vehicle over to MG's service center for repairs.

From that point onward, for weeks, I kept making the same phone call:
"When will my car be ready ?"
Every time, I received a different excuse.

Last Saturday , I was informed that the repair work had been completed and only the insurance company's delivery order was pending. I was assured that the order would arrive on Monday and the car would be handed over immediately.
Monday came and went.

By afternoon, having heard nothing, I decided to visit the workshop myself.
And that's when the real story began.
The service advisor responsible for my vehicle didn't even know where the car was parked. After searching across three floors, we finally discovered it in the basement.
What I saw there left me speechless.
The car was in worse condition than it had been immediately after the accident.

At that moment, I realized that my biggest mistake wasn't the accident it was buying an MG. In the last 20 years, I have owned vehicles from almost every major automobile manufacturer. I've dealt with repairs, insurance claims, and service centers countless times. But I have never experienced such disorganization, negligence , and lack of accountability from any company.
Keeping a customer's vehicle for nearly a month, providing misleading updates, and then not even knowing where the car is parked is not poor service it's complete disrespect for the customer's time , trust, and money.

As I was leaving the workshop, I told the advisor "Brother, sell this car for whatever you can get even if I have to take a loss of a few lakhs. I don't have the courage to bring it home anymore. If I ever have to come back to this workshop again, I might genuinely lose my mind."

People may debate how good or bad the MG Windsor EV is as a product.
But as far as MG's after-sales service is concerned, my verdict is final.
This has been, without a doubt, the worst customer service experience I have ever had with any automobile company.

If you're considering buying an MG vehicle, don't just visit the showroom. Spend some time at their service center first. The difference between the two may help you make a much better decision.

@MGMotorIn
@MGSupportIndia

[𝑩𝒖𝒕𝒕𝒆𝒓𝒇𝒍𝒚🦋 @buttu_iam27]

29.05.2023 💛
Every CSKian’s lifetime Emotional memory 🥹🏆

[Gaurav Sundararaman @gaurav_sundar]

87/25 still safe!! Surely not appreciated enough . That happened in 2014!! #IYKYK

[Chandana 🌻✨ @RoseOnX9]

My manager paid ₹1.5 crore for a 21th floor flat.
He sold it after 4 years.
Yesterday he told me everything. And he was ANGRY.
High-rise flat owners will NOT want to read this.

Reason 1 /13
They told me higher floors have no mosquitoes. Biggest scam ever.

[CBSE HQ @cbseindia29]

Dear Vedant,

Thank you for bringing your concern regarding your Physics answer book to our attention.

Upon review, the matter has been examined, and the correct copy of your answer book has been sent to your registered email address. Necessary action for updating your result, as applicable, is also being undertaken accordingly.

We appreciate your patience and assure you of our continued support.

Regards

[VEDANT @VEDANTSHRIV17]

We have got my correct answer sheet by CBSE . CBSE officials reached out to us in the evening and has sent my answer sheet, We were correct on our claims and the answer sheet indeed got exchanged .

[VEDANT @VEDANTSHRIV17]

I am a CBSE Class 12 student.

After receiving unexpectedly low marks in Physics, we applied for photocopies of my answer sheets through the CBSE reevaluation process.

Today we received the copies.

And I am shattered because the Physics answer sheet uploaded by CBSE is not mine

[Pankaj Arora 🇮🇳 @Panks_Arora]

Every single place in India is just so overcrowded.

- Want to go to a park? Hundreds are already there, not enough space.

- Want to go to a temple? You won’t even get five minutes of peace.

- Want to visit a hill station? Not a single hotel is available.

- Same with Ladakh, Uttarakhand, and everywhere else.

It feels like the calmest place is your own house.

[Sumanth Raman @sumanthraman]

Want to bring to your attention to a sorry story from last week. A patient known to me was admitted around 2 a.m in an unconscious state and with breathing difficulty at RGGGH, Chennai in the IMCU. I visited the patient around 10 pm that night (almost 20 hours later).

First the ward itself. It was so dirty that I couldn't believe it was an ICU.I had removed my slippers when I went in and they were caked in dirt when I left.

There were sometimes 2 attenders sitting on the patient's bed. The smell in the ward was overpowering.

The irony was that the ward was well equipped with multi parameter monitors, ventilators and other equipment. Yet it resembled a general ward.

Why can't visitors be restricted? Why can't the floor be kept clean?
How will any patient susceptible to an infection stand a chance?

I would like to say that things were better than they were 30 years ago when we worked there but from a hygiene and cleanliness perspective they clearly weren't.

Do they not know that keeping a ward so dirty will harm lives?

Why is nothing being done?

So many shiny buildings are built. Many fancy equipment are procured but something as basic as cleanliness and infection control that form the heart of good healthcare is neglected.

Will do a separate post on the quality of care I saw there later.

[Arnaz Hathiram Jain @ArnazHathiram]

"Ashwini was visiting the water park with her family when she came down a water slide and hit the ground because the water level at the end of the slide was allegedly too low."

Most of these adventure parks in India have zero checks and balances. Pls stay away as much as you can. Your life has zero value

[Erika Morris @ErikaMorris79]

Well #IPL2026 is almost upon us and as usual I’ve been looking into the data and seeing what insights it tells us. If you don’t like IPL & data I suggest you look away now 😆 for those that do buckle up as it’s a long ride.
Firstly a few of the parameters I used to do this

[DK @DineshKarthik]

The shirt’s pressed. The vibes are set.
Now it’s over to the boys. 🇮🇳💪

#TeamIndia #FinalBound #IroningDuty #BleedBlue #GoodLuckRitual

[Dr Aniruddha Malpani, MD @malpani]

Made in India for Indian students !
https://t.co/wKUNCgHhBd

[Hari 👾 @hstradeschool]

SEBI புதிய விதி உங்கள் Mutual Fund இனி முன்பு போல் இருக்காது! ஏன் ? இந்த ரூல் முன்னாடி நீங்க எல்லார் கிட்டயும் எந்த Mutual Fund எந்த ஸ்கீம் னு கேட்டுதே இருந்திங்களா? அப்ப இது உங்களுக்கு ஒரு பெஸ்ட் நியூஸ் 😁

என்ன நடந்துச்சு இதுவரை?

நம்ம ஊர்ல ஒரு பழக்கம் இருக்கு
கடையில போய் “என்னன்னா விக்கிறீங்க?” கேட்டா… அவங்க விரும்பினதை சொல்வாங்க.
Mutual Fund-லயும் இதே நடந்துச்சு.

AMC-கள் தங்களுக்கு சாதகமா பெயர் வச்சு, போர்ட்ஃபோலியோ போட்டு, Investor-கிட்ட விற்பனை பண்ணுச்சு.
SEBI இப்ப “இனி அப்படி இல்ல. Rules follow பண்ணு.” சொல்றாங்க

புதிய விதி என்னன்னா Super Simple-ஆ சொல்றேன்

Equity Funds பங்கு சந்தை திட்டங்கள்

இதுல 13 வகை. முக்கியமானது

Large Cap Fund
→ பெரிய நிறுவனங்கள் மட்டுமே
குறைஞ்சது 80% போகணும்
→ TCS, Infosys, Reliance மாதிரி நிறுவனங்கள்
→ Safe but slow growth

Mid Cap Fund
→ வளரும் நிறுவனங்கள்
→ குறைஞ்சது 65%
→ Medium risk, medium reward

Small Cap Fund
→ சின்ன நிறுவனங்கள்
→ குறைஞ்சது 65%
→ High risk, high reward 😅

Flexi Cap Fund
→ Fund Manager விரும்பினபடி எங்கும் போடலாம்
→ குறைஞ்சது 65% Equity
→ Manager திறமையே இங்க முக்கியம்
Sectoral / Thematic Fund
→ ஒரே ஒரு sector மட்டுமே IT, Pharma, Banking
→ 80% அந்த sector-ல போகணும்
→ ஒரே basket-ல முட்டை வேண்டாம்னு சொல்வாங்க

Debt Funds
பாதுகாப்பான திட்டங்கள்
பங்கு சந்தை வேண்டாம்னு சொல்றவங்களுக்கு இது.

Overnight Fund
→ ஒரே ஒரு நாள் மட்டுமே கடன் கொடுக்கும்
→ உங்க பணம் நாளைக்கே திரும்பும்
→ Bank FD-விட கொஞ்சம் better
Liquid Fund
→ 91 நாட்கள் வரை
→ Emergency fund வச்சிருக்கவங்களுக்கு perfect
→ ATM மாதிரி எப்பவும் எடுக்கலாம்
Gilt Fund
→ நேரடியா Government-கிட்ட கடன் கொடுக்கும்
→ அரசாங்கம் தோத்தா மட்டுமே நஷ்டம் 😄
→ மிகவும் பாதுகாப்பானது

Credit Risk Fund
→ AA மற்றும் கீழே உள்ள நிறுவன பத்திரங்கள்
→ கொஞ்சம் ஆபத்து, கொஞ்சம் அதிக returns
→ இதுல கவனமா இருங்க

Hybrid Funds
Equity-யும் வேணும், safety-யும் வேணும்னு சொல்றவங்களுக்கு

Conservative Hybrid
→ 75–90% Debt + 10–25% Equity
→ அம்மா மாதிரி safe-ஆ வச்சிருப்பாங்க 😄

Aggressive Hybrid

→ 65–80% Equity + 20–35% Debt
→ கொஞ்சம் துணிச்சல், கொஞ்சம் பாதுகாப்பு

Dynamic Asset Allocation
→ சந்தை நல்லா இருந்தா Equity அதிகம்
→ சந்தை கஷ்டமா இருந்தா Debt அதிகம்
→ Fund Manager-ஓட Decision

Life Cycle Fund
இதுதான் Game Changer!
இது புதுசா வந்திருக்கு. இதை புரிஞ்சுக்கோங்க.
உங்களுக்கு வயசு 25. Retirement 2055-ல.
Life Cycle Fund 2055 வாங்குங்க அவ்ளோதான்.

இப்போ (30 வருஷம் இருக்கு):
Equity 65–95% → Maximum growth

2045-ல (10 வருஷம் இருக்கு):
Equity 50–65% → Balance ஆகும்

2054-ல (1 வருஷம் இருக்கு):
Equity 5–20% → பணம் பாதுகாப்பா இருக்கும்

நீங்க எதுவும் செய்யவேண்டாம் Fund தானா மாறும்!

இது SIP போட்டு மறந்துடுங்க type முதலீடு 🙌

இந்த விதியோட 3 Super Important Points

Point 1 Portfolio Overlap Rule:

ஒரே AMC-ல இரண்டு funds இருந்தா…
இரண்டிலயும் 50%-க்கு மேல் ஒரே பங்குகள் இருந்தா…
SEBI சொல்லுவது “ஒண்ணை மாத்து!”
ஏன்னா நீங்க இரண்டு fund வாங்கினாலும் ஒண்ணே வாங்கின மாதிரிதான் ஆகும். அது Investor-க்கு நஷ்டம்.

Point 2 True-to-Label Rule:

“Super Alpha Growth Opportunity Fund” இப்படிப்பட்ட பேர்கள் இனி வராது.
பேரே சொல்லணும் என்ன செய்றோம்னு.
Large Cap Fund → Large Cap Fund
அவ்ளோதான். Extra drama வேண்டாம். 😂

Point 3 Solution-Oriented Schemes நிறுத்தம்

“Children’s Fund”, “Retirement Fund” இந்த category நிறுத்தம்.

ஏன்னா இதே வேலையை Life Cycle Fund இப்போ பண்ணும். Better structure-ல.

இதனால உங்களுக்கு என்ன லாபம்?
முன்பு:
∙5 AMC-ல Large Cap Fund இருக்கும்
∙ஒவ்வொண்ணும் ஒவ்வொரு மாதிரி இருக்கும்
∙எது better-ன்னே தெரியாது
இப்போ:
∙எல்லா Large Cap Fund-உம் same rules follow பண்ணும்
∙Easy-ஆ compare பண்ணலாம்
∙Returns மட்டுமே பாருங்க — structure same-தான்

Final-ஆ ஒரு வார்த்தை
SEBI இந்த விதி கொண்டு வந்தது Mutual Fund நிறுவனங்களுக்காக இல்ல.

உங்களுக்காக ❤️

[Data Engineering company for training and jobs @ChatGPTJob]

நான் வெளிநாட்டில் (USA, Netherlands) வேலை செய்த அனுபவத்தில் சொல்லுகிறேன் — வாழ்க்கை தரம் என்றால் சம்பளம் மட்டுமல்ல, வாழ்வின் செலவும் முக்கியம்.

அமெரிக்காவிலும் ஐரோப்பாவிலும்:

நாளிதழ் கூட subscription luxury.

மருத்துவ consultationக்கு வாரங்கள் காத்திருக்க வேண்டும்.

டேட்டா, mobile plan மிகவும் விலையுயர்ந்தது.

Domestic help almost unaffordable.

Grocery delivery premium service.

ஆனால் இந்தியாவில்:

₹300க்கு 5G data

₹500க்கு 300+ TV channels

UPI மூலம் ₹5க்கும் payment

Same-day doctor consultation

Affordable diagnostics

Doorstep essentials 10–20 நிமிடத்தில்

இது சாதாரண விஷயமாக நாம் பார்க்கிறோம் — ஆனால் global contextல் இது பெரிய advantage.

இந்தியா perfect இல்லை. சவால்கள் இருக்கின்றன.
ஆனால் affordability + accessibility + community support என்ற மூன்று விஷயங்களில் இந்தியா மிகப் பெரிய பலம் உடைய நாடு.
மேலும், நம்மிடம் இன்னொரு முக்கியமான அம்சம்:

📌 குடும்ப அமைப்பு
📌 சமூக ஆதரவு
📌 ஆன்மீக வளர்ச்சி
📌 பல்வேறு கலாச்சார அனுபவங்கள்

நான் வெளிநாட்டில் சம்பளம் அதிகம் இருந்தாலும், வாழ்க்கை செலவு மனஅழுத்தம் அதிகம் என்பதை பார்த்தவன்.
இந்தியா வசதியற்ற நாடு அல்ல — அது differently comfortable நாடு.
நான் பெருமையாக சொல்கிறேன்:
இந்தியா வாழ்வதற்கு மிகச் சமநிலையான நாடுகளில் ஒன்று. 🇮🇳

[Nitin Sinha @NsNitinsinha]

Why Hyundai priced the i20 at ₹5.99 lakh. A small story about Indian taxes.

When Hyundai was finalising the new i20 Era variant, it wanted to achieve one number: ₹6 lakh.

Because in India, crossing certain price points changes everything.

Cars priced below ₹6 lakh attract about 4% road tax. The moment the price becomes ₹6 lakh or more, tax jumps to 7%.

So a car costing ₹5,99,999 pays around ₹24,000 road tax. Increase the price by just ₹2,000 and suddenly the buyer pays nearly ₹42,000.

Same car. Same engine. Different tax universe.

Hyundai understood something important: If the car crossed ₹6 lakh, buyers wouldn’t blame the tax system. They would simply say, “i20 is expensive.”

So Hyundai made a clever move.

They kept the ex-showroom price at ₹5.99 lakh by removing the touchscreen from the factory package. Instead, the screen is offered as a dealer-installed accessory after registration.

The buyer still gets the feature. The car stays in the lower tax slab. The on-road price looks attractive.

Nothing illegal. Just smart pricing inside a complicated tax structure.

[Hariharan Gajendran @hariharangaj]

What’s the point of building flyovers in Chennai if they are barricaded every night at 10 PM? Shutting down infrastructure because of an inability to manage safety is poor administration. Stop making the public pay for extra fuel and time! 🛑🛵 #Chennai #CivicIssues

[Pramod Kumar Singh @SinghPramod2784]

Dear @TheOfficialSBI , I never took any loan from the SBI and never held an account with you. How come a personal loan is showing against my name in my CIBIL report? I want a clarification now and failing which I will seek legal recourse.

[Sourav Ganguly @SGanguly99]

J&K has shown the world what effort and intent can do ..They have made that region so proud of them .. tuff environment makes tuff people. Aqib nabi on his way to national colours .. england is the place to start in the summer @bcci @imAagarkar @lonsaikia