Archive of posts from January 2022


  • Year In Review - 2021 Returns

    Continuing on in the year in review series, I now take a look at my returns in 2021. Although this is not really important since investments are for long term and there is no point looking at returns every year, I like to review it nonetheless. Last year the stock market had a real crazy bull run. Those kind of dream runs rarely happen, so congratulations on living through one of them :). It does not matter which index you look at, all of them were in the green. So lets start by comparing my portfolio returns with some of those indices.

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  • Budget 2022 Expectations

    As we draw closer to the budget for a financial year, people start to make random predictions about what might come from it. And then there are others who have expectations (wants) from the budget. This is a standard routine every year. It is such an useless exercise, but people and news media always like to do it every year without fail. During such times, I dread to open my news app because there is nothing much other than predictions and wants. No actual news. I wouldn’t do justice if I too did not join the bandwagon and produce crap news. So here is one of them.

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  • Year In Review - 2021 Annual Expenses

    In the previous post I wrote about my monthly expenses. So in this post I will be covering my annual expenses in 2021. While monthly expenses are those kind of expenses that occur more frequently, yearly expenses occur rarely, perhaps once every few years like house repairs or buying a new laptop etc. Once I go over the expenses I will explain why we spent where and then we will move on to the budget for this year. Every year after retirement has been different with an interesting set of expenses that were never seen in the previous year. Last year wasn’t different either.

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  • Year In Review - 2021 Monthly Expenses

    By now you already know about the two kinds of expenses that I track – monthly and annual expenses. You probably also know that I publish my expense report for the past year and mull over it a bit. Then I create a new budget for the expenses for current year. Following the tradition, here is a post about my monthly expenses in 2021 and the budget for 2022.

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  • The Decline Of Keeper Culture

    With the advent of technology, things are becoming more complicated and less repairable. I don’t remember where I read this, but in the early days when cars were first invented, everyone who owned a car knew how the car worked very well. It is not unexpected to have the car halt every so often and the owner is expected to be able to diagnose and repair it on the road. That means they would have to understand the workings of a car very well. Whether that was true or my memory serves me right or not is debatable. But what is not debatable is my personal experience.

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  • Year In Review 2021

    Every new year I reflect on the last year and write about some of the highlights and low-lights. Continuing that tradition, this post is all about what interesting things have happened in my life in the year gone by. When the year 2021 began, I was hopeful and optimistic because year 2020 has been a particularly bad year on many fronts especially the impact of COVID-19. Unfortunately 2021 was even worse. We saw the first wave of COVID-19 in 2020 and I thought that was bad enough. But in 2021, India was hit by the second wave with a much graver consequences not just in India but all over the world. And yet, here we are looking eye-to-eye at a possible third wave that may hit us even worse.

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  • How Much Money Is Enough

    When it comes to money, everyone has a different opinion about how much money is more than enough. Some may never reach the point of having enough money by anyone’s definition. These are usually low skilled people who earn very little. For them, there is no question of saving or excess money. If they earn well, they eat well that day. When they cannot, they have to go empty stomach for the night. And on the other extreme we have people who are extremely rich by any standard. These are the Bill Gates of the world. They do not really need to work or earn more irrespective of how much they can spend. And then you have a wide spread in-between.

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