Update On Franklin Funds That Are Winding Up

It does not seem like the problems with Franklin are going to end anytime soon. They are in news everyday for some reason or the other. The first issue I can see is that the investors will not receive any money in May. The reason? Franklin has not yet started the voting process. And until that happens I don’t think they can return anything to the investors. If you recall, I was hoping Franklin will return something in May. However, all hope is not lost. Franklin has started the voting process. Hopefully we will get something in June. Please make … Continue reading “Update On Franklin Funds That Are Winding Up”

Should You Save For Kids Higher Education

You know my stance on saving for kid’s education. Those who have read my blog or know me, understand that we are unschooling our kid. Most already know that I retired early. I guess early retirement and unschooled kid is probably not a common combination? Or may be it is just my feeling. Because, in this combination, one rarely plans to setup a corpus for kid’s higher education. And yet many people ask why I haven’t set aside a corpus for the kid. Either way, many have raised the questions about what I intend to do financially if the kid … Continue reading “Should You Save For Kids Higher Education”

Drip Irrigation Control System v4.0 – Hardware

As promised, I started upgrading my drip irrigation control system with v4.0 design and software. If you read my last update on the control system, you know that there are two things that I wanted to add to it. One was a way to access the system via internet, so I don’t need to physically configure it. And the other was to add a humidity sensor. I finally worked on the first upgrade. Now my control system is accessible over the net (currently limited to my home network). However, I had to make a few hardware design changes. I replaced … Continue reading “Drip Irrigation Control System v4.0 – Hardware”

How Much Do I Make From Ads?

This is sort of a continuation of my previous post — truth about my passive income. Over there I mentioned that I have recently started showing ads to offset some of the expenses of running the blog. And I promised a follow up post explaining the costs and how much I am earning from ads. So here it is. I will try to keep it short because it is probably not relevant for you. Expenses of running this blog First let me go over the expenses. I am running this blog on a Google Compute Engine instance, henceforth to be … Continue reading “How Much Do I Make From Ads?”

Do Kids Need Toys and Books in Unschooling

While unschooling is already the extreme end of the spectrum, it is not a thin line. There is a lot of variance. What seems like unschooling for one may still feel like home schooling for another. So it’s all relative. How deep you want to go is all up to you. Consider this for example, some unschooling parents find any kind of books or toys to be a hindrance to creativity and learning. They prefer a fertile playground for children that is devoid of any man-made objects so children can learn the natural way. They prefer nature with trees and … Continue reading “Do Kids Need Toys and Books in Unschooling”

Should We Be Greedy or Fearful In The Current Market?

Should we be greedy or fearful? I really don’t know. This is one of those confusing times. When the markets crashed all over the world due to COVID-19, I thought it was a good time to be greedy. But soon, the markets recovered some of the losses making it a confusing time. If markets don’t fall down deeply, there is no way to properly time the market, which is what I like to do. In the current situation, I can do nothing much but keep my asset allocation the same as the markets move sideways. A falling market presents opportunities … Continue reading “Should We Be Greedy or Fearful In The Current Market?”

Virtual Meetup

After the mildly successful meetup in March, I thought I will do another one. But given the COVID-19 situation, it is probably better to do a virtual meetup rather than a physical one. So here is another invite to join me in discussing random topics and ask me any questions or give suggestions. Since I post a lot about my personal and financial life here on this blog you probably already know a lot about me. But if you ever wanted to ask me something and did not bother to comment on the blog, this is your chance. The meeting … Continue reading “Virtual Meetup”

How Much Will I Get From Franklin Ultra Short Term

You have all read about the Franklin debacle regarding the closure of 6 Franklin India Debt Funds. Many have invested in those funds. Especially the Franklin India Ultra Short Term fund, lured by the excellent returns. I am also one of the investors in the ultra short term fund. And I have a significant portion of my debt portfolio in it. The fund came with a promise of “optimum balance between regular income and high liquidity“. But now, it can neither generate regular income, nor does it have any liquidity at all. Talk about the irony 🙂 Most, if not … Continue reading “How Much Will I Get From Franklin Ultra Short Term”

Is Unschooling for Everyone?

While we jumped ship and joined the unschooling camp, it may not be for everyone. Just like how early retirement is not applicable to everyone, so too is homeschooling or unschooling. While we still consider that we are at the early stage of our unschooling journey (although we have been unschooling for a couple of years now), I can already see a few “disadvantages” and “risks”. I had to put those words in quotes because we don’t see it as a disadvantage, or risk, but for some others it looks that way. Unschoolers may be slow learners One of the … Continue reading “Is Unschooling for Everyone?”