Cash Flow In Retirement

I realized that I don’t have a post on how I fund my expenses after retirement. So here is something to help you understand my cash flow. Most of the numbers shared here depend on my monthly expenses. So please keep the Rs. 50,000 per month expenses in your head while reading the post. Cash Here I am talking about hard cash, not credit cards, money in current account etc. I keep around one month’s worth of cash in the house at all times. Although we rarely use cash anymore (thanks to UPI), there are occasions when we need cash, … Continue reading “Cash Flow In Retirement”

Mid Year Portfolio Review

I don’t normally do mid year portfolio review but this time I made a exception. There were a couple of reasons for this. First I made a mistake in the way I calculated my XIRR because of which my return numbers were skewed. Second, the markets have gone crazy and I thought I should share my portfolio when the going is good :). Portfolio returns You know why I don’t have a 70:30 mix of equity and debt although I always recommend it. While the 2020 crash gave me a small opportunity to invest in equity, it was not enough … Continue reading “Mid Year Portfolio Review”

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”

Our Real Power Bill Inflation

In the last post I showed you that the electricity inflation over the last 9 was around 7% in Bangalore. Of course the inflation depends on how many units you use. If you are in the lower or higher slab than me then perhaps the inflation may be different for you. Power usage Below you can take look at our power usage (number of units consumed per month) in the last 9 years. As you will notice, the trend line has been trending down over the years. The number of units consumed went down from around 270 units in 2012 … Continue reading “Our Real Power Bill Inflation”

Power Bill Inflation

I don’t normally talk about my inflation numbers in this blog, because I don’t have a lot of data. I am the kind of guy who needs data to talk about things. To make sense of inflation we need at least 7 years worth of data. Ten years data will be more useful though. Thankfully I have some of my electricity bills since 2012. So there is long enough history to see the inflation in electricity bills in Bangalore. From 2012 to 2014 I have some bills but not all. From 2015 onwards I have the bills for each and … Continue reading “Power Bill Inflation”

Friends Roster – Presubmit, Continuous Integration, Deployment And Hosting

This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6, part 7, part 8 and part 9. I know it must be getting pretty boring reading about the app for so long. But I promise this is the last one in the series. So far I have an app that can run both on android and on the web all from one code base. I have a lot of tests to make sure I don’t break anything. The code … Continue reading “Friends Roster – Presubmit, Continuous Integration, Deployment And Hosting”

Friends Roster – Testing In Flutter

This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6, part 7 and part 8. So far we have seen the code that runs the app. What about testing? Normally when I work on these hobby projects I don’t write any tests (gasp!). I know. I sometimes did feel the need for tests, especially if it is a large project with lots of moving parts. They help you when making changes to the code. You can be confident … Continue reading “Friends Roster – Testing In Flutter”

On The Other Side Of Early Retirement And Minimalism

It is interesting to know that the options for work increase dramatically after you announce that you retired. I did not know this fact. Not just that but people generally tend to have a different outlook about you. I will share some interesting observations I made after my retirement. Popularity goes up My popularity went up after early retirement. I was never the popular kid. However, soon after my retirement there have been requests for my involvement in various things ranging from asking me to work on start-ups collaboration on writing research papers working on patents becoming an independent director … Continue reading “On The Other Side Of Early Retirement And Minimalism”

Friends Roster – Responsive Layouts

This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6 and part 7. One of the nice features of Flutter is building responsive layouts is quite simple. It is certainly easier than building responsive layouts in HMTL or Android. As you already know, the reason I chose Flutter is because I can build for both the web and android from one code base. That means I had to design the UI to adapt to large screens and … Continue reading “Friends Roster – Responsive Layouts”

Friends Roster – Next Friend To Call

This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6. To recap, I was describing how I built various screens using flutter. The final screen in the app is the “next friend to call” screen. It has the meat of the logic. The first thing the app does is fetch the list of friends from Firebase Cloud Storage. Then it looks up the call log on your phone and updates all your friends call history. This … Continue reading “Friends Roster – Next Friend To Call”