#How to Save for a House

[icewindandboringhorror]

(also feel free in the tags to clarify Why you made the choice you made!! :0c)

[nirajnanal]

 Step-by-Step Financial Plan to Buy a Home in a Metro City

1. Define Your Budget

Research Property Prices in your target metro city (e.g., Mumbai, Delhi, Bangalore, Pune).

Account for all costs, not just the property price:

Registration + Stamp Duty (5–8%)

Brokerage

Home loan processing fee

Interiors / furniture

Moving costs

Example: For a ₹1 Cr flat, actual total cost can go up to ₹1.1–1.2 Cr.

2. Check Your Affordability

Use the 28/36 rule:

Max 28% of your gross income should go to home loan EMI.

Total EMIs (home + other loans) should not exceed 36%.

Example: If your monthly salary is ₹1,50,000 → safe EMI: ₹42,000

3. Check Loan Eligibility

Banks usually fund up to 75–90% of property cost.

You need to arrange 10–25% down payment + extra charges.

For ₹1 Cr property: Down payment of ₹20–25 lakh

4. Start Saving for Down Payment

Set a target and timeline (e.g., ₹25L in 3 years → ~₹70,000/month)

Use a mix of:

SIPs in Mutual Funds (for returns)

RD/FD (for safety near goal time)

Avoid risky investments like crypto or stocks if goal is short term

5. Build Emergency Fund

Keep 6 months of expenses aside even after you buy.

Owning a home comes with new expenses (repairs, maintenance, society charges).

6. Improve Your Credit Score

A 750+ CIBIL score ensures better interest rates.

Pay EMIs, credit cards on time; avoid multiple loans or credit inquiries.

7. Factor in Additional Costs

Monthly EMI

Society maintenance

Property tax

Utility bills (especially if bigger space or gated complex)

8. Compare Loan Options

Look for:

Lowest interest rate (check both public and private banks)

Tenure flexibility (longer = lower EMI, more interest paid)

Prepayment/foreclosure charges

Use home loan calculators on bank websites

9. Consider Joint Ownership

If you’re married, both incomes can be used for higher loan eligibility.

Both partners can also get tax benefits under 80C and 24(b).

10. Tax Planning

Home loan gives tax deductions:

Up to ₹1.5L under Sec 80C (principal)

Up to ₹2L under Sec 24 (interest)

First-time homebuyers may get additional benefits under Section 80EE/EEA

Tip: Should You Rent or Buy?

Calculate Rent vs Buy over 10–15 years.

In many metros, renting is cheaper in short-term, but owning builds equity long-term.

Would you like me to create a custom financial plan based on your income, city, and budget? Just share a few details or directly connect with us.

Your monthly income

Target city (e.g., Mumbai, Bangalore)

Timeline to buy (e.g., 3 years)

Current savings (if any)

[remindertoclick]

Here's your daily reminder to click for Palestine!!!

U.S. residents, take 5 minutes and use this link to pressure your members of Congress to stop sending weapons to the Israeli military!!

(Letter variants you can copy/paste under the cut!!)

Original letter written by Jewish Voice for Peace:

I am writing as your constituent to ask that you do everything in your power to press the Biden administration to suspend all weapons shipments to the Israeli military, and oppose all future military funding to Israel. The Israeli government has vowed to push forward with a large-scale military operation in Rafah, even though President Biden has repeatedly said such an operation would be a "red line." On May 7, the Israeli military seized the Rafah border crossing, a crucial passage for humanitarian aid, and ordered 100,000 Palestinians in eastern Rafah to evacuate. The 1.3 million displaced Palestinians sheltering in Rafah will have nowhere to flee should a full invasion commence. Millions of Palestinian lives now hang in the balance. I urge you to do everything in your power to stop this unfolding catastrophe before it's too late. Thank you.

Slight variations I created (so that emails don't get marked as spam for being identical to each other)

Variation 1:

I'm writing to you as your constituent to ask you to do everything you can to pressure the Biden administration into suspending all weapons shipments to the Israeli military and opposing any and all future military funding to Israel! The Israeli government is pushing forward with a large-scale military operation in Rafah. President Biden has repeatedly said such an operation would be a "red line," yet his administration is still supporting this operation. On May 7th 2024, the Israeli military seized the Rafah border crossing, a crucial passage for humanitarian aid, and forced 100,000 Palestinians in eastern Rafah to abandon their homes. 1.3 million Palestinians have been displaced. Those sheltering in Rafah have nowhere to flee during a full invasion. Millions of Palestinian lives now hang in the balance. Their fate lies in the hands on Congress, in your hands. I urge you to do everything in your power to stop this unfolding catastrophe before it's too late. Thank you.

Variation 2:

I'm writing you today to ask that you do everything in your power to convince the Biden administration to stop funding Israel. We have to telk them to stop all shipments of weapons to the Israeli military and oppose all future military funding to Israel. The Israeli government has vowed to push forward with a large-scale military operation in Rafah... President Biden made it clear that such an operation would be a "red line," and yet he continues to fund them. On May 7th of this year, the Israeli military seized the Rafah border crossing, a crucial passage for humanitarian aid, and forced 100,000 Palestinians to flee their own home of Eastern Rafah. Should a full invasion commence, 1.3 million displaced Palestinians sheltering in Rafah will have nowhere safe to go. Millions of Palestinian lives now hang in the balance. I am begging you now, as your constituent, to do everything in your power to stop this unfolding catastrophe before it's too late... Thank you

[danhumphrey]

i think ultimately the core of what irritates me about the t swift craze is that she’s constantly getting props for things that … literally aren’t true. people act like she’s self made, she is not. people act like she’s a social activist, she is not. people act like she’s constantly going to great lengths to uplift other women, she is not. like if people were just like yeah i love her music :) then okay! but it’s the constanttttt applause and praise and worshipping for things that are just patently false that really makes me feel insane

[bluerosefox]

Protecting Family

Hmmm

I'm on a Danny is Dick's child kick rn so I'm making more.

But lets add in some Ghost King Danny!, Dad to a deaged Ellie and Dan! And toddler Mar'i Grayson.

Danny was conceived during Dick's amnesia year when he was Ric and the woman couldn't find him to tell him (or maybe the Owls caught wind of the pregnancy and took her) and he ended up somehow (hmmm maybe a meddling time keeper?) with the Fentons.

Danny grows as a Fenton, he knows he was adopted btw, then becomes Phantom, protects Amity, becomes the Ghost King and things seem to be going okay between Amity Parkers and the Infinite Realms since they took care of the GIW problem, AND has been a good doting teen dad to his deaged 'cousins/clones' turned kids.

Danny was going to go pick his kids up from daycare one day when CHAOS happens. Just as he wrangles Ellie onto his shoulders, cause she wants to be tall today, and about to take Dan's hand cause he's and I quote "A big boy and not a baby like Ellie, Dad!" he suddenly feels the tug of his family being in danger.

Thing is, its a blood related danger. Meaning someone blood related to him was in grave danger, and by the emotions he can feel, its someone young, way younger than him.

Problem.

The only people Danny knows with his blood in their veins and are young enough for the feeling are with him.

So who?

But due to Danny being a protector spirit AND knowing the feeling is from someone as young as his own kids, Danny decides to use his Ghost King Powers to summon said person from the danger to him.

Danny opens his free arms out just as a tiny toddler with black hair like his own but with bright green eyes, even the sclera were green, in a ruined party dress drops from the sky from the summoning circle that had opened above him.

Danny stares at the terrified child, whose hands are tied by rope and was crying, and takes notes of certain traits she had that he saw every time in the mirror or on his own kids, same eye shape and cheekbones. He can tell his ghost core has claimed her as family but not as his kid though.

No the connection that formed was almost like his connection with Jazz but a bit stronger.

This kid, was his sister. His blood related one.

-Meanwhile-

Dick Grayson, aka Nightwing, and his family were freaking the fuck out.

Dick was already panicked when his daughter Mar'i had gotten kidnapped just a few hours ago by the Joker.

Now he was feeling pure dread when his daughter, who was about to be killed, was suddenly pulled into a strange glowing circle at the last minute and disappeared into thin air.

[bugbugbugbugbugbugbugbugbug]

how it started

how it's going

(edit credit)

[missmisnomer]

POV you are a single mutant rat-dad trying to keep four rambunctious boys from tearing the damn house and each other apart. Four boys who also just so happen to be turtle-tots roided up on experimental supersoldier juice that was pumped into them by their other megalomaniac father who was hell-bent on destroying humanity.

🌟 Good luck babe 🌟

More Rise silliness [ 1 ] [ 2 ] [ 3 ] [ 4 ] [ 5 ] [ 6 ]

[starry-bi-sky]

don't you want to be a cult leader? - danyal al ghul au

this is mostly a joke post but i thought it was funny and had to share so--

his first mistake was, obviously, inheriting his father's inability to see an injustice and stand still. -- actually, danyal's first mistake was his lair being so big. a mountainous island with a large temple in the center resembling his old home in Nanda Parbat? With sprawling foliage and rivers and streams and waterfalls galore? What was he going to do with all that space? Let it go to waste? He had plants there! Native trees of the ghost zone growing from the soil! He couldn't let it all be left unchecked!

So naturally after helping a fellow teenage assassin ghost -- who he later learns is named Akihiko, -- from Walker of all people, he sent them over to hang low at his lair until it was safe enough for them to wander around the Zone. Walker couldn't get through Danyal's astrofield if his life depended on it, and trust him -- he's tried. Danny was clearing out debris from his stupid transport vans for weeks.

Honestly it wasn't so bad, he and Aki really quickly became fast friends and Danny loves having a sparring partner close to his level again -- he hasn't had this much fun fighting since he left the League. Aki was very dedicated and levelheaded, the both of them clicked really well because of it.

Nonono, the real trouble began after Danyal met some long-passed League members and allowed them to come join his island as well. Apparently they had made a few enemies of the zone, and maybe Danyal still felt some loyalty to the League. He couldn't just let them be left to rot. Their zealotry could be overlooked so long as they kept it contained and helped him take care of his island.

And it.. snowballs from there? He meets a teen squire aptly calling himself Ambroise -- whether that was his living name or not is yet to be seen -- who died during feudal france, who is just about as dramatic and passionate as every french stereotype makes them out to be. He calls Danyal "my moon and great muse" -- which is both flattering and little uncomfortable, but Danyal's grown up in the League as the Grandson of the Demon Head, he is used to mild worship. he passes it off as nothing more, nothing less. -- and while his energy is overwhelming on the worst of days, he helps Danny draw out of his shell more in ways that Sam and Tucker still struggle with.

Him and Aki butt heads a lot, but the two seem to hold the other in at least some positive regard, so Danny doesn't worry too much about them fighting while he's gone. It only becomes a mild issue when Aki also begins calling Danny "my moon". It's a little sweet, so Danyal brushes it off.

Then he takes in a troupe of ghosts some time after he defeats Pariah Dark and they begin calling him "great one" just as the yetis do in the far frozen. This is where he meets the twins -- a pair of sibling ghosts who call themselves Trixie and Missy (short for Trick and Mislead) -- who aren't quite as passionate as Ambroise but more energetic than Aki. Eventually they also start calling Danyal "my moon" and attach themselves to his hip, even within the living. They like to hide in his shadow and cause trouble for the rest of the students. He makes sure they don't hurt anyone.

He's pretty sure Aki is jealous, same with Ambroise, but he can't be too certain other than the fact that they become much more lingering (re: clingy) whenever he visits the island.. Something he's trying to do much more often these days due to the increasing amount of people living there now. Since when did he become so popular?

Then there's Pēnelópeia from the Greater Athens, who ran away from home and joined his Island after he ran into her while she was being chased by Skulker -- and he's pretty sure the reason was because of her chimeric appearance. Her strange eyes and mismatched wings and lion's tail and talons. She assimilates into his friend group very easily, she gets along well with Ambroise and Trixie and Danny usually finds the three of them climbing the trees to pluck the most fruit from the top. They can fly and he knows it, but they prefer to climb.

Then finally there's silent poet Akkara who comes from ancient mesopotamia, who gets along most with Aki -- which is no surprise there considering their similar personality dispositions. he watches Aki and Danyal fight each other and leaves comments on this or that that he notices. He writes Danyal poems on clay tablets and leaves them by his room.

They're one big mismatched group of outcasts, and Danny's got the other ghosts on his island to tend to, because they're living on his island and he wants to be hospitable even if he struggles with that. But he spends the most of his time with them.

Sam and Tucker are making fun of him. Tucker jokingly tells him 'careful Danny, at this rate you're gonna start a cult'. Danny really wishes he had taken that joke more seriously.

He just. keeps. collecting people. Wayward souls lost in the zone, looking for shelter or refuge from something or other -- whether that be another hostile ghost, or a past afterlife, or just a purpose. Danyal finds them, he takes them in, offers them a place on his island until they are ready to leave. Many seldom do. He's not complaining -- he has the space, and it feels like it's only ever growing.

His close friends, his "inner circle" as he's heard the others call them, keep insistently calling him "my moon". He starts calling them his stars, because then it only feels fair. They're his stars, this is his constellation. It becomes a thing; little star halos begin forming behind their heads, picking them out from the rest. He loves them so much, it's hard to place. Sam and Tucker are also his stars, but they reside in the living realm, they're his tie to Life. Meanwhile, his friends here know what it's like to be dead, and sometimes its nice to relate.

Those living on his island keep calling him "Great One" and he's beginning to notice zealotry in their care for his island. He really, deeply appreciates it. His close friends gain nicknames -- as his stars, it's only natural for him to pick them out from the cluster in the skies. Akihiko, his Sirius and bright star. Trix and Missy, Castor and Pollux, the twins and troublemakers. Ambroise, his zealous Antares and close friend. Penelopeia, chimeric and loyal Vega. And Akkara, his Arcturus and strength.

It's ridiculous how long it takes for him to notice; he is, of course, a deadly trained assassin. He is meant to be observant -- and normally he is! But somehow this becomes a blind spot. One that becomes too big to be dealt with by the time he realizes it.

He should've noticed when Aki, his Sirius, stood beside him one day while Danyal looked over his island and saw the sprawling spirits carrying on about their afterlife and bowing to him as they saw him, and said: "I looked down into the depths when I met you; I couldn't measure it." They aren't one for flowing prose, it took him so off guard he was silent for over a minute before he finally spoke.

Danyal should've recognized devotion for what it is, and yet he didn't. He should've recognized it when Antares began spouting praises about him, crowing about his radiance and resplendence to the heavens. He just brushed it off as Ambroise being Ambroise. He should've recognized it when Trix and Missy nearly broke Dash's leg after he knocked Danyal's books out of his hands, he excused it as them being protective. Of them coming from times where such violence may have been customary -- after all, that's what he used to be like. What he was still like, sometimes, when his emotions nearly got the better of him.

He should've noticed it when the people living on his island followed his word like gospel, looked at him like he hung the stars in the sky. When his friends gifted him a shawl with the moon phases delicately embroidered into it, with silver, shimmering thread and moving stars lovingly stitched into it. Their constellations seen clear as day in the dark fabric. When he found small shrines dedicated to him -- but they lacked any image of him beyond stones carved to look like moons, so he ignored it. When the religious imagery began popping up.

He really, really should've noticed it when a bunch of cultists accidentally summoned Antares, and Antares had turned to him when he arrived and called them heretics. But he was so centered on the fact that they had kidnapped one of his stars, that he hadn't paid much attention to what Ambroise had said.

Sages say that faith is blind, they should also say faith in you is even blinder.

It really only hits him one afternoon while he's sitting in Sam's room studying with Tucker, Missy and Trixie lounging at his feet, Aki sat on his right, Penelopeia braiding his hair, Ambroise draped against him, and Akkara lurking over him. Its one of the rare few times they're all in one room together.

It hits him like a bolt of lightning. He looks up from his textbook. "Oh Ancients," he says in no amounting shock. Everyone looks up to him.

"I've become my grandfather."

[thirstywaffles]

When your crush finally loves you back

[ID: Scum Villain fanart of Luo Binghe. He's standing with his arms spread slightly at his sides, palms up. He's smirking and his eyes glint red. There's a large caption across his body that says "i am no longer mentally ill". /end ID]

[sunderwight]

Scenario where Yue Qingyuan and Luo Binghe both pick up on and independently confirm for themselves, a few years into the matter, that Shen Qingqiu's soul has indeed been replaced with someone else's. But they have polar opposite reactions about it. Yue Qingyuan keeps trying to figure out how to get SJ back (alone, since it's nothing he can prove and also he sucks at asking for help), while Luo Binghe is doing everything in his power to make sure that Shen Qingqiu stays the new version or doesn't have his soul replaced again. The two of them each entirely unaware of the other's knowledge or actions, basically cancelling one another out.

Yue Qingyuan finds an item that should loosen the current occupant soul's hold on the body, potentially allowing Shen Jiu's soul to come to the fore again (if it's still in there somewhere) or regain control. Luo Binghe, around the same time, discovers a rare herb that is said to help reinforce the connection between the soul and the body, to help with individuals who have troubles with dissociation. Yue Qingyuan gifts the "rare artifact" and gets Shen Qingqiu to put it in his study, Luo Binghe mixes the herb into a medicinal tea and serves it to him every day. Net zero impact.

[spatiotemporal]

woe spring allergies be upon ye

[inkedinserendipity]

rereading system collapse is so funny because murderbot's humans (and its asshole research transport) are like. illogically protective of it. some variation of this interaction happens like four times in fifty pages:

murderbot, standing around and stalling, having a mental breakdown: come on murderbot you gotta be better than this you can't just be having [redacted] do your JOB

ratthi/iris, who know this, distracting it: do those hatches look weird to you? those hatches look weird to me. murderbot, based on your thousands of hours of media consumption, do those hatches look weird to you?

and then to make it worse, feat. poor tarik:

tarik, on a high-stakes mission spearheaded by a secunit who is sending absolutely zero information back to the rest of the crew: ? status update?

iris/ratthi/art-drone, pulling out knives (/bombs): hey tarik? can you leave our murderbot alone? that's our specialest little secunit? it's got anxiety and it's doing its best so fuck off?

and then they start verbally stabbing him.

the amount of glee these scenes give me. i genuinely forgot how quickly they all rally around murderbot. and then there was that scene where murderbot went oh no, was tarik security, i don't want to take his job, and art-drone was like that was NOT his job he was NOT security and actually fuck that guy and YOU are security for my crew and if anything ever happened to you i would BOMB A PLANET

[miyamiyano]

HakuKai wip im working on ✏️

It's from the Dessert Rendezvous fic I made for a con~

If anyone have suggestions or criticism for the background, UI and/or fonts etc please tell me cuz im struggling really hard in those part 😭

[remindertoclick]

This is your reminder to Click for Palestine today!

And donate directly to UNRWA you have the means!

[jacaerysgf]

this is the type of beauty they would write ballads and poems about

[centaur-dreaming]

Jean not understanding why Renee saved him until he’s leaving the house in just his helmet and gloves and breaking every speed limit on his way to do exactly the same thing for Jeremy