Posts in category "post-retirement" - page 13
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Friends Roster - Flutter Plugins
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 and part 4. In this post I will go into a little more details on how I built the screens with the help of Flutter plugins.
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Friends Roster - Basic Design
This is the continuation of how I built the Friend Roster app. If you have missed the previous parts in this series, do check them out -- part 1, part 2 and part 3. I wanted to build a flutter app that would let me do these basic things
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Two Hundred Posts And Counting
I did not realize but I just completed 200 posts on this blog. That is unbelievable given that I did not have any plans to write for this long. Previously when I blogged (I have two other blogs), I never kept up for these many posts. Those blogs are now abandoned and probably will never see the light of another post. However, for this blog I still have a list of 30 articles that I want to cover in the future. So there is really no dearth of topics. I just need to get myself to work on them. Anyway, this is just a pat on my back sort of post and has nothing informative for you as a reader.
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Cleaning Refrigerator Condenser Coils
Recently our refrigerator started to have some interesting problem. The cooling performance was becoming progressively worse by the day. Up until a month ago the weather is quite cool here in Bangalore. So food did not spoil much and we did not notice. But as the weather was warming up we observed the cooling to be not adequate. Eventually milk started to spoil. The place I live is notorious for frequent power-cuts. I wondered if that was to blame. But this never happened before even with a lot of power-cuts. I started debugging the problem and eventually found the cause. It was the condenser coils.
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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.
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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.
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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 hope by the time you read this, you would have received your payment too.
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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 disbursement. However it was unable to return the monies because of a court case in Supreme Court.
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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 :).
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Year In Review – 2020 Plans That Failed
From what you have seen so far in my year in review series, you might think 2020 was not too bad. It seems like most of the things worked out fine for me except for that loss of electronics and Franklin fiasco. But that is not really true. We made a few other plans that just did not go well at all. Here is a review of those disappointments.
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