Three Years Into Early Retirement

It is now exactly three years into early retirement! I can’t believe how time flies. I can now officially say that I have lived through retired life, although three years is still a short time. These years have been quite eventful to say the least. Stock market crash, a new virus that affects the whole world, lockdown for several months, raging bull market while in pandemic. I’ve seen things in a few years than I have never seen my whole life :). In spite of all the up and downs over the years, I still very much enjoy my early … Continue reading “Three Years Into Early Retirement”

DIY Solar Panel Project – The Ingredients

As I mentioned in the previous post, I decided to go with a hybrid charge controller solution for my solar panel setup. What that basically means is that I will need to buy some solar panels and a hybrid charge controller, since I have a UPS and batteries. I will then have to connect them all together. I wanted to start with something simple, so I decided to just buy one solar panel. At the same time I was intending to build it in such a way that it can be extensible to 3 panels in the future. The goal … Continue reading “DIY Solar Panel Project – The Ingredients”

Solar Panel Project – Do It Yourself

I was finally ready to install solar panels. After having made all the calculations, I arrived at the fact that I could get the return on investment in 5 years. But I had an even better idea. I decided do build it myself. What better way to learn about solar power except by doing it yourself! I always prefer to do things myself rather than letting some one else do the job for me. My work will be subpar at best, but it not only gives me a great opportunity to learn something new, but is also a lot of … Continue reading “Solar Panel Project – Do It Yourself”

Solar Panel Project – Inception

I have been wanting to setup solar panels for several years now. It all started way back in August 2015 when for the first time the electricity bill touched Rs. 2,000. We don’t even have air conditioner so what gives? At this point I started looking at the past bills and noticed the slow rise in unit rates. If you are interested, I already wrote a post on the inflation of electricity bill. That got me thinking if it is time for some solar panels. The start of the journey So in 2015 I started my research into solar power. … Continue reading “Solar Panel Project – Inception”

Fixing My XIRR Calculations

For the longest time I was debating whether to consider dividend reinvestment as a transaction in my XIRR calculations or not. Until now I never used dividend reinvestment in my XIRR. The reason was simple. If I did not sell and buy something (dividend reinvestment), then why should it be a transaction? But finally after some thought and a nudge from Value Research I decided to fix it. Why do I have dividend reinvestment? In the past I invested in liquid and ultra-short term mutual funds that used to offer dividends. This was a while ago around 2011 to 2015 … Continue reading “Fixing My XIRR Calculations”

Exit Load In Mutual Funds

If you have been investing in mutual funds for any amount of time, you most likely know about exit load. Some mutual funds, typically the equity kind will charge the investors some fees if they exit the fund (redeem investments), before a certain time period. This is done to discourage investors from prematurely exiting the fund. You see, investment in equity is a long journey. You cannot invest today and expect stellar returns in a year. Of course this does not deter some people from having crazy expectations. It takes a long time to build wealth. There will be lots … Continue reading “Exit Load In Mutual Funds”

My Daily Routine: 2021 Edition

Every weekend, I call some two to four of my friends, relatives or ex-colleagues thanks to my Friends Roster project. And invariably at least one of them ask me what I do on a daily basis after retirement. They are curious as to how I spend my day. I have posted my daily routine more than two years ago including a complete time table. But I thought may be I should do a 2021 edition in case some things have changed since then. So here goes. I don’t know where my time goes. So to fix that I paused and … Continue reading “My Daily Routine: 2021 Edition”

Mistakes To Avoid If You Plan To Retire Early

There is no one straightforward way to reach the goal of early retirement. Although many people have attempted to streamline the process. And that includes me (see my 5 steps to early retirement) :). There are several other small things that you need to take care of before the grand picture emerges. One of them is expenses. Of course early retirement is not just about the finances. There is a lot more to it and early retirement is certainly not for everyone (see should you retire early?). But if you have already made up your mind, read on. Save a … Continue reading “Mistakes To Avoid If You Plan To Retire Early”

Laptop Upgrades And Lap Gadgets Review

Over the years I have been upgrading my laptop to keep it humming along. Normally the upgrades are mainly to help keep pace with the rising demands of my development tools. However, the latest upgrade to the laptop has been to extend the life of the laptop until I can buy another one. You see, I tend to upgrade my laptop every 5 years or so. I purchased my current laptop in late 2016. So it is almost time to replace it. Previous upgrades Before talking about the most recent upgrade, I should tell you that I already upgraded my … Continue reading “Laptop Upgrades And Lap Gadgets Review”