Why Do We Unschool Our Kid?

You probably already know by now that we are unschooling our kid. Unschooling is the more extreme version of home schooling. Why did we take this bold step? A lot of people have been asking the same question. So I thought I should explain our thought process. These days schools are putting more and more pressure on the kids, to the point that they completely take away the fun, desire and curiousness of the young minds. It seems like schools and parents today are just obsessed with grades and levels of education and degrees. No one is bothered about knowledge. … Continue reading “Why Do We Unschool Our Kid?”

Tax Audit

I was recently audited by the Income Tax Department and thought that the whole faceless scrutiny process was interesting. So here is something about it. It seems like I was one of those people who got randomly selected for Limited Scrutiny (Computer Aided Scrutiny Selection). It was the government’s way of testing out the e-Proceedings facility. Here is the email I received from the Income Tax Department. Dear Taxpayer, Thank you for filing your return of income for Assessment Year 2018-19 vide Ack. no. XXX on XXX. While acknowledging the care and diligence you may have taken in preparing the … Continue reading “Tax Audit”

Interest Rates On Govt. Schemes Have Been Cut

Finally some good news that I have been waiting for. The interest rates for the governments schemes have come down. Just in yesterday’s post I have been complaining about the high interest rates of many of these schemes have been the barrier for the rate cut transmissions. I am not particularly happy about the rate cut because it does not really help. The banks rarely cut the lending rates because they still have to honor the FDs which are fixed at the previous interest rate for a fixed duration. Moreover the FD rates are quite high compared to the repo … Continue reading “Interest Rates On Govt. Schemes Have Been Cut”

What To Do During The Crisis and Lockdown?

The Indian government has called for a lockdown for 21 days. So you must all be at home with family including kids. So I am guessing you must be experiencing a taste of my life! Meanwhile the markets are doing things they are best known for, i.e. being irrational. Well, actually if you ask me, the markets seem more rational now than before. On the other hand, government and RBI are doing lots of things to overcome the negative impact of COVID-19 on people and economy. While analysts, bigwigs and news personnel are scaring the pants off us, complaining that … Continue reading “What To Do During The Crisis and Lockdown?”

Organic Gardening: Shade Net, Drips and Harvest 2.0

Some of you might be bored of the organic gardening posts, but I know at least a couple of people who are interested on the topic. Feel free to skip if you had enough 🙂 In one of the earlier posts, I talked about the shade net setup that we worked on in 2019. We only set the shade net on a small part of the terrace as a test and it worked brilliantly in protecting the plants. The rest of the plants outside of the shade net area were not handling the sun well. So we wanted to finish … Continue reading “Organic Gardening: Shade Net, Drips and Harvest 2.0”

How Am I Handling the Market

Given the current market situation, a few of my friends wanted to know how my portfolio is doing and what have I been doing during the crisis. So this post should hopefully answer these questions. I want to preface by saying that don’t be fooled by randomness. I may have performed better or worse than you expect and it does not mean I made any smart moves nor that I made mistakes. Only note that luck favors the prepared. For a couple of years now, I have been complaining about the market being overvalued (in my opinion) and you know … Continue reading “How Am I Handling the Market”

Drip Irrigation Control System v2.0 and v3.0

In one of my previous post, I wrote about my drip irrigation control system. But there were a few problems with it. In the process of rectifying them, I built v2.0 and v3.0 control systems. And to think people were asking if I was getting bored in retirement or if I wanted to get back to work :). Why? I love what I do now and it occupies me completely. The first problem with v1.0 happened to be with the way it was designed. The drips starts as soon as the device is turned on. So if there is a … Continue reading “Drip Irrigation Control System v2.0 and v3.0”

Sensex and Nifty Down by 30%

At close today, both Sensex and Nifty are down by 30%. We are officially in bear territory. It is considered a bear market if the market has fallen more than 20% from the recent highs and the investor sentiment is negative. Some market pundits are predicting that there is going to be a recession worse than the 2008 crisis. I have no idea if that will happen, but I am not worried at all. Also I cannot predict market, so I can’t even tell if they are correct or not. But I have a plan. As I have been saying … Continue reading “Sensex and Nifty Down by 30%”

Early Retirement, Home schooling and Organic Gardening

A few readers of the blog and myself met in Bangalore on March 14, 2020. This was the first time I met my readers with whom I had no prior interaction with. I was a little apprehensive about the meeting, but it was a great learning experience for me. I am not sure if I was helpful in answering their questions, but they helped me understand how like minded we all are. I found it interesting that not only do our interest in early retirement match, but also that we have similar thoughts or ideas about home schooling and/or organic … Continue reading “Early Retirement, Home schooling and Organic Gardening”

Drip Irrigation Control System v1.0

If you have been reading about my organic terrace gardening project in the last few posts, you know that I have setup a drip irrigation system that automatically waters the plants everyday. Tinkering with electronics has always been my passion and this was one of those fun hobby projects that I wanted to do after retirement. Sorry, this post may be a bit too technical (electronics and code), so feel free to skip. I have a bunch of Arduino boards lying around and I thought I should use them to setup the automatic drip irrigation system. We needed 3 control … Continue reading “Drip Irrigation Control System v1.0”