Where I Struggled With Flutter

In one of my previous posts I mentioned that it was fun and easy to code in Flutter. But that does not mean there were no difficulties. In this post I will cover a couple of areas where I struggled. The post will go into some technical details regarding Flutter and android development. So if you are not interested in them you might not care much. Feel free to skip. Building the UI I come from android background and building UI is quite different in Flutter. I actually like the way you write code to build the UI in Flutter … Continue reading “Where I Struggled With Flutter”

Short-term And Long-term Gains Harvesting

Everybody agrees that long-term gains are almost always preferable to short-term gains. I tend to agree in general. But there are exceptions too for example if you are a retired person like me :). Long term capital gains taxes are lower than the short-term counterparts. For example, short-term capital gains tax on equity is 15% vs 10% on long-term gains. Likewise, debt short-term capital gains are taxed at your applicable tax rate as opposed to 20% on indexed long-term capital gains. And here is your exception if you read carefully. What if your applicable tax rate is less than 20%? … Continue reading “Short-term And Long-term Gains Harvesting”

Experience With Flutter

In one of my previous posts I mentioned about a project that I wrote entirely using Flutter. This is the continuation of that post. I will go into the details of how Flutter became the platform of choice and my experience with it. Let me preface by saying that this may be interesting only to a limited set of software engineers. So if you are not one of them, it’ll serve you best to skip this post. What is the project? If you haven’t read my previous post explaining the project, here is a brief recap. I have a bunch … Continue reading “Experience With Flutter”

Franklin Debt Funds Payment Is Here

Finally after almost one year since the Franklin debacle, there is some good news. I received 50% of my investment in Franklin Ultra Short Term fund. That is a sizable chunk of money. I am sure I have never seen as much in my bank account — ever. While it is a sigh of relief, I never so much as doubted that there will be problem in repayment. My only worry was how long it would take for Franklin to repay given the court cases. For once this case moved faster than typical court case duration in India. Anyway I … Continue reading “Franklin Debt Funds Payment Is Here”

More Ideas On Minimalism

I have already written a few articles on minimalism. Yet, from time to time people still ask me to teach them how to get started on minimalism. Unfortunately I don’t know how to help them. There are perhaps some books and youtube videos on the topic. May be that will help. But here is one way to go about it. Instead of adding stuff to your life, think of removing things one at a time. See how far you can go. Minimalism is not about saving money. It is about how you can live a perfectly happy life with the … Continue reading “More Ideas On Minimalism”

The Friends Roster Project

While 2020 has tied many people to their homes, it also encouraged many to seek out old friends. The same happened with me and a bunch of my friends. I have lost touch with a lot of my school, college and work friends as the years passed. You find new friends. You get busy with work and family and eventually don’t find time to call or meet friends as much as you might have when you were young. When I look back at my school or college days, I think of all the time spent with them. Not just during … Continue reading “The Friends Roster Project”

Franklin To Disburse Our Investment?

You probably remember the Franklin fiasco that happened some 9 months ago. All those who invested in the six wound up funds have their investments stuck for the past 9 months. While the funds were wound up they were still receiving interest income from the papers that it holds. Some papers matured while some others pre-paid the bonds. So overall Franklin has Rs. 14,391 Cr in income so far according to it’s latest report on Jan 29, 2021. Of this amount 4,621 Cr was used up to pay back its borrowings. The left over Rs. 9,770 Cr is available for … Continue reading “Franklin To Disburse Our Investment?”

Budget 2021 And How It Affects Me

Like last year, here is a quick overview of how the 2021 budget affects me. This is not an analysis or highlights of the budget. I am sure you can find many articles on those topics. This post is more specifically on how the budget affects my financial planning. To tell you the truth, there is nothing in the budget for me and that is a good thing! No news is good news isn’t it? Going into the budget speech many were worried if there will be additional cess and taxes to help government recoup revenue losses due to COVID-19. … Continue reading “Budget 2021 And How It Affects Me”

Dilemma Of An Upper Middle Class Parent

One of the things that I observed is that as kids move from middle class to upper middle class, the fire and hunger to achieve comes down. Kids in lower or middle class families have a thirst to learn and achieve that slowly mellows down as the lifestyle improves. Some how I feel they become more complacent. Take the case of my daughter . I don’t see her putting the kind of effort that some others do. A problem I attribute to our upper middle class lifestyle. My kid plays with a few other neighborhood kids. They all speak in … Continue reading “Dilemma Of An Upper Middle Class Parent”

Learnings From 2020

The year 2020 has been special in many ways. We have seen something that was unprecedented not only in my life, but even during my parents life. Who would have ever imagined a lock-down of the whole nation for example? Many things were a first in 2020. While the year was not too bad, I did have a few learnings. In this last post (hopefully) in the year review series, I want to go over my learnings. Pretty much all my issues and the resulting lessons were related to Franklin :). Bigger emergency fund One of the problems I faced … Continue reading “Learnings From 2020”