Cheldon Sooper

Finance. Travel. Credit Card
Fluent in தமிழ், മലയാളം, a bit of हिंदी.
Firmware Engineer.
On journey to acheive ₹20L stock portfolio by FY28

[Cheldon Sooper @SheldonMacha]

Why I hate FD's?

Reason is simple. It's the tax!🧵

[Cheldon Sooper @SheldonMacha]

@r_vinothkumar27 Congrats✌🏼

[Cheldon Sooper @SheldonMacha]

@RamTeluguTrader I let him cry how much he wants. After like 5min, he himself will get up and start talking something different and play

[Cheldon Sooper @SheldonMacha]

Bengaluru - Colombo flight ticket at just ₹6270!

Last year, I have moved 13K Axis EDGE Miles to Qatar Airways at 1:2 ratio.
13K EM = 26K Avios

Out of this, I have used 12K Avios to book one-way flights for my family.

Value Breakdown
Cash Ticket Price: ₹32,000
Taxes Paid: ₹6,270
Net Cash Saved: ₹25,730
EDGE Miles Used: 6,000 EM
Value Per EM: ₹4.29

Avios Point Valuation
Avios Received: 12,000
Value Per Avios: ₹2.14

No need to chase points.
Just earn and burn!
Memories over milestones. ✈️🥂

[Cheldon Sooper @SheldonMacha]

July 18 | Day 11

Steps: 7052
Distance: 2.1 km
Calories Burned: 163 Kcal
Walk Time: 23 min

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 18 | Day 11

Steps: 7052
Distance: 4.4 km
Calories Burned: 341 Kcal
Walk Time: 50 min

Workout Time : 30 min
Calories Burned : 277 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

@drip_dividend Back to grind!

[Cheldon Sooper @SheldonMacha]

July 18 | Day 11

Steps: 7052
Distance: 4.4 km
Calories Burned: 341 Kcal
Walk Time: 50 min

Workout Time : 30 min
Calories Burned : 277 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 17 | Day 10

Tired and slept😩

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 17 | Day 10

Tired and slept😩

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 16 | Day 9

Steps: 5000
Distance: 3.3 km
Calories Burned: 254 Kcal
Walk Time: 39 min

Workout Time : 30 min
Calories Burned : 282 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

@drip_dividend Assume you don't meet your weekly target, that means you will keep holding till you make profit.
That also means your 16L capital locked into this.

How will you go for another swing trade?

[Cheldon Sooper @SheldonMacha]

July 16 | Day 9

Steps: 5000
Distance: 3.3 km
Calories Burned: 254 Kcal
Walk Time: 39 min

Workout Time : 30 min
Calories Burned : 282 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 15 | Day 8

Steps: 8859
Distance: 6.79 km
Calories Burned: 514 Kcal
Walk Time: 1 hr 19 m

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

@drip_dividend Holding 36. No Reits and invits

[Cheldon Sooper @SheldonMacha]

@shiladitya4u I was doing a SIP in PP Flexicap for almost three years for my son. Haven't redeemed it but no fresh investment.

[Cheldon Sooper @SheldonMacha]

@drip_dividend Including REITs and InvITs?

[Cheldon Sooper @SheldonMacha]

July 15 | Day 8

Steps: 8859
Distance: 6.79 km
Calories Burned: 514 Kcal
Walk Time: 1 hr 19 m

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 14 | Day 7

Steps: 6400
Distance: 4.13 km
Calories Burned: 309 Kcal
Walk Time: 50 min

Workout Time : 33 min
Calories Burned : 266 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

Here's how I take care of my insurance payments!

1. House quarterly maintenance
2. Health Insurance - Self, Spouse & Kids
3. Health Insurance - Parents
4. Term Insurance
5. Car Insurance
6. Bike Insurance

For me, everything is yearly payments and monthly it comes around ₹13k

I do SIP of ₹13k every month into arbitrage fund without fail.

Arbitrage funds has the benefit of equity taxation.

STCG taxed at 20% if redeemed less than 1Y
LTCG taxed at 12.5% if redeemed after 1Y

Redeem them whenever I need to clear payment due!

Tell me how you're doing your insurance payment. Suggest any other better way!

[Cheldon Sooper @SheldonMacha]

@Uruppada_poren All the best🔥

[Cheldon Sooper @SheldonMacha]

@Vino_Ooty 🖖🏼🖖🏼🖖🏼

[Cheldon Sooper @SheldonMacha]

@vini546 Started this FY but will max it out every year.
2 PPF = 3L every year no matter what!

[Cheldon Sooper @SheldonMacha]

@madan_roopesh One of my team member is preparing for UPSC.
He managed both office work, preparation and cleared prelims.
Now he is preparing for Advance exam.

Fortunately, corporate is also supporting his preparation by offloading some of his work!

[Cheldon Sooper @SheldonMacha]

@drip_dividend

[Cheldon Sooper @SheldonMacha]

July 14 | Day 7

Steps: 6400
Distance: 4.13 km
Calories Burned: 309 Kcal
Walk Time: 50 min

Workout Time : 33 min
Calories Burned : 266 Kcal

#FitnessJournal

[Cheldon Sooper @SheldonMacha]

July 13 | Day 6

Steps: 6515
Distance: 4.18 km
Calories Burned: 322 Kcal
Active Time: 48min

Workout Time : 35min
Calories Burned : 264 Kcal

#FitnessJournal