Posts in category "post-retirement" - page 4
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My Daily Routine: 2023 Edition
It has been a couple of years since I gave my last “daily routine” update. A reader of my blog also asked me to give an update, so here it is. There is almost no change in my routine since about 2 years ago which is nothing to be surprised about since that was the whole plan in retirement. Just chill, take it easy and live life on the absolute slow lane. Almost nothing in our life is urgent since early retirement. Things will happen when they happen :).
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Power Bill Is Zero, Thanks To Solar Panel
If you remember, I recently posted that I cannot add any more solar panels given my current setup. You might also recall that I have a lone 320 W solar panel. Surely that cannot generate enough power to reduce my electricity bill to zero. Yet, my latest electricity bill is exactly zero. Thats what happens when you mix politics with lifestyle. Some of you might understand what I am talking about. For others, here is the clue – Gruha Jyothi scheme. Unless you like reading about politics, or belong to Karnataka, one of the southern states of India, you might not know what I am talking about. Let me explain.
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This Blog Is 5 Years Old
I cannot believe that this blog is already 5 years old! When I first started, I did not know if I will have much to write. I just wanted to write about financial planning for early retirement because a bunch of friends and colleagues asked me for it. I thought I would be done in about 15 to 20 articles and stop writing. But here I am still continuing the tradition all thanks to my readers. As I kept writing, different people asked for different topics like home schooling, health, fitness, my hobby projects, sustainable living and so on. I started writing about varying topic and the blog evolved to what it is now. But every beginning has an end and so I am not really sure how long I will continue. There is absolutely no dearth of topics, but time is something that is hard to find.
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Accessing My Home Network From Anywhere
There are two kinds of apps that I build when I am working on my personal projects. They are either apps that are confined to my home network or ones that run on the web. Examples of apps that run on the web are my investment planning app or investment recommendation app. I can access them from anywhere. Examples of apps that only run in my home network include home automation, drip irrigation, solar power management, etc. These are apps that are running on android devices, linux PC or ESP8266 boards and are connected to my wifi. You cannot access them from outside the home network.
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Medical Expenses Inflation
I had no idea very simple medical treatment is so expensive in India! We rarely have to visit a doctor and as such I have no idea how much it costs to consult a doctor these days. I know medicines are becoming expensive but this was the first time I experienced unexpected medical charges. It all started when our daughter had a minor fracture in her elbow when she fell down while skating on the road. We did not see the accident, but apparently she was skating over some humps and perhaps due to over speeding lost her balance and landed on her left elbow. Her friends accompanied her home and we were facing a rather sad elbow condition. She was in noticeable pain but was not crying, so we did not initially think it was a fracture.
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Why I Cannot Add More Solar Panels
You might know that we currently have a sole 320W solar panel. Initially I just wanted to check if it was worth buying a solar panel. While there is a lot of talk about the many benefits of solar panels, I was not so sure. Will the panels really last a long time like they claim. Will the efficiency reduce quickly as the panel ages. Will the panels really produce the rated power because they are tested in ideal laboratory conditions of 1000 W/m2 irradiance, but in real life I was not sure if we get so much sunlight etc. Well, after owning the panel for over 2 years now, I can tell you that most of my doubts have been clarified. So I was wondering if I should add another panel.
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Where Are The Expenses?
When I write or talk about our expenses post retirement, many people want to know how I decide which expenses go into which category. Remember, I keep a record of all our expenses and categorize them. I bundle them into monthly and annual expenses. What some people have noticed is the absence of certain categories like spending on eating out or for buying clothes or shoes etc. So I thought I’d do a quick post on where those missing expenses go so there is no confusion. First lets check the categories I have for monthly expenses –
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Ignis Fuel Economy
It has been about 9 months since we purchased our new car and we are enjoying it. I was curious about the mileage figure published by ARAI for Ignis. So I decided to check out the real life mileage. Of course everything is an approximation, so take what I say with a grain of salt. Your mileage (pun intended) may vary, yada yada disclaimers apply here. Going back to the point, the ARAI number for Ignis is about 21 KMs per liter. The testing is done under laboratory conditions with different speeds under simulated road conditions. No air conditioner is used, there are no traffic signals etc. So you can think of it as ideal conditions. You should also keep in mind that they test various speeds simulating city and highway drives.
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Switched to NixOS
After using Manjaro Linux for a really long time, I finally decided it was time to switch to NixOS. Manjaro has been quite good until recently. Then there were some changes because of which my GPU hardware acceleration broke. I don’t remember all the details because it has been some time since I switched over to NixOS. All I remember is that video encoding is not able to use GPU acceleration and that was a big bummer. I tried EndeavourOS and liked it. Everything was working as expected. Yet I switched to NixOS. The reasons and more follow in this post. This is one of those posts with too many technical details, so if you prefer, feel free to skip this one.
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Should You Sell Debt Or Equity For Retirement Expenses
After reading my post on “withdrawal plan in retirement”, one reader asked why I suggested that one should sell debt mutual funds to handle the retirement expenses. In that post I gave an example where an investor has only debt and equity mutual funds and in that scenario, it is preferable to sell debt mutual funds to handle everyday expenses and then do a rebalance once in a while to get the asset allocation to the ratio that you prefer. The reason for this recommendation is quite simple. It is to avoid selling mutual fund units of an asset class at their low point. Since equity mutual funds go up and down quite a bit in value, it is possible that in some years you might sell at a low point and dent your compounding effect. I will explain how with an example.
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