Archive of posts from April 2024


  • What Is The Right Asset Allocation

    In discussions with various people, the question about asset allocation always comes up. Some want to know what asset allocation they should follow. Others question my asset allocation. Unfortunately, there is no one answer for what asset allocation one should go with. Everyone’s situation is different and their risk appetite is different. They should go wih an asset allocation that they are comfortable with. If they can’t figure it out by themselves, then they should hire a financial planner who can tell them what asset allocation to go with given their situation and mindset. If you push me to give one number, I always say 70% in equity and the rest in fixed income if you plan to retire early, but even otherwise too. In this post I want to go into some nuances.

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  • Is Managed Farmland A Good Idea?

    If you are a regular reader of my blog, you already know that we purchased a farmland a few months ago. I explained how we decided to go with a farm within 2-4 hours from Bangalore in a previous post. As we started our search for a farm, we figured out we could go several different ways. I explain one such method of owning a farm in this post, which is known as managed farmland. We did not go this route in the end but I just want to explain our thought process as we embarked on this journey of doing organic farming.

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  • The Cost Of Ignorance

    Neither mrs. reynd nor myself (especially myself), are good negotiators or bargainers. Not sure how that happened, but I have a hunch as to why that might be the case. I know this weakness very well and hence delegate almost all bargaining to my better half. She is slightly better in this aspect but not by much. We have seen this come up over and over many a times, to our detriment, but we are probably too lazy to correct ourselves. The re-discovery of our skills (or lack there of) came to light just a few days ago when we decided to get our house painted.

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  • From Unschooling To Schooling

    Our daughter is now almost 11 years and she has been unschooled for almost as many years. Well, truth be told, she went to pre-school for almost a year when she was 3 years old, if you can call that school. Since 4, she has never attended school and neither have we actively taught her anything at home – hence unschooled. Some parents teach their kids at home and follow some curriculum and they are labelled as home schoolers. But since about a couple month ago, our daughter is going to school. So from unschooling, straight to school! Yeah, I know that should come as a shock :).

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