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Should You Invest in Bharat Funds?
By now everyone must have heard about the PSU based ETFs, namely, Bharat 22 ETF and Bharat Bonds EFT. Should you invest in them because they carry the safety of investing in companies mostly owned by the government? That is the topic of today's post, but I will be brief.
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Happy New Year 2020!
I would like to wish all my readers a very happy new year! May this year bring more happiness and cheer. I hope 2019 has been kind to you and you were able to achieve your goals. As for me, 2019 has been the first full calendar year in retirement and it was just fabulous! I am still getting used to the life in retirement although it has already been nearly one and a half years.
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Realme X Review: 3 Months Later
After a lot of research, I finally decided to buy Realme X although it did not meet all my criteria of a good phone. But after having used it for almost 3 months, I am really loving it in more ways than one. Here is a quick review of the phone in case some one decides to buy one. The 4 GB RAM with 128 GB storage flavor of the phone has an advertised price of Rs. 16,999 on Flipkart. But when I purchased it during the Diwali sale on Sep 30, 2019, it was available for Rs. 15,299 after discounts. Not the best deal because some other phones had deeper discounts especially if you don't care about the notch, but my heart was set on it, so went ahead and gifted myself one. It promptly arrived the very next day.
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My Search for an Ideal Phone
I have always used some of the more expensive android phones up until my brush with minimalism. After that, I decided I need to buy something for what it is really worth for me. I have always been a value conscious guy, which means I try to get the best value for my money. But nobody ever said that the money needs to be a small amount :) . So I used to buy moderately expensive stuff, but still with good value. I considered a $2100 gaming laptop a worthy buy because of the value of the components. Which is also the reason I don't buy Apple products. Don't get me wrong, the products are absolutely beautiful and well crafted and the attention to detail is impeccable. The engineering and innovation that goes behind those products is commendable. But I always feel that the value could be better spent at something other than the good looks and perfection. Anyway back to the point. So after trying to practice minimalism, I decided to go with things that are less expensive but still value for money.
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Where is the Stock Market Heading?
While I don't predict where the markets are headed, I sure do enjoy the news and commentary which do. Some headlines attract my attention when I am reading the daily news. I email myself those interesting articles which predict Sensex or Nifty to touch a certain level by a certain date. Then I snooze the email until that predicted data. If you didn't already know, gmail has this nifty (no pun intended) little feature which allows an email to be dismissed from your Inbox only to magically reappear on a certain date. I use it quite a lot. So in the past few days I have been receiving these emails from the past. Did their predictions pan out? If so, should we have acted on those predictions back when they were predicted? Lets find out.
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Update on Rain Water Harvesting Project
One of the benefits of retiring is that you have a lot of free time and you itch to do something. But without a boss and a project to throw you around, you are on your own. Which means you can come up with whatever ideas that fancy you. One such idea was the rain water harvesting project. I blogged about it a few weeks ago and you can read all about it there. As I mentioned in that post, the project was still a work in progress as we were trying to improve some shortcomings and fixing bugs (software parlance). One of the issue we noticed with our setup was that a single 1 inch pipe is unable to drain out the water from the drum fast enough during heavy rainfall. So the drum is filling up and overflowing even as the 1" pipe is draining water from the drum. We finally fixed the issue now by replacing the 1" pipe with a 2" pipe and everything works like a charm. So here is an update on how we achieved it.
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My Workout and Health Series Conclusion
This is the final post in the health series which I started almost 3 months ago on the request of a friend. I hope some of you found the posts helpful. I would like to conclude the series with my exercise habits.
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My Diet
I wanted to give a quick overview of my eating habits in case someone is interested. To start off, my body type is ectomorph and as such, I need more calories from carbohydrates than the other macro nutrients. Also, I need to do more strength training than cardio. I am a non-vegetarian and prefer eating meat daily, mainly because I will not be able to meet my protein requirements on a vegetarian diet. Keep those things in mind as I uncover details about my health and fitness. Remember that the diet and exercise I am following best apply to me and may not work for others. Do your own research on your body, figure out your body type, diet and exercise.
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Importance of Exercise
We are finally coming close to the end of the health series. As most people probably already know, eating healthy is more important than exercise, so I spent a lot of time on how to eat healthy. Assuming that you got your food habits in order, the next best thing you can do to your body is to exercise. In many cases, the inactivity is the cause of most health problems. If we do just some very basic exercise, it will help the body quite a bit. Depending on your grit and inclination towards fitness, you can do more exercise and be at the top of your fitness game, or you could do just the basics and be moderately fit. The returns tend to taper off as you increase the level of activity. So beginners and inactive people will see a lot of benefit quite quickly when they start exercising and the benefits will drop off as the intensity increases.
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Body Types and How It Affects Us
Did you know that the way you look if you do not do anything special with diet or exercise, is the way your genetics dictate. Yes, that is the unfortunate truth. You acquire the propensity to be naturally fat or lean from your parents. But that need not be the end of story. You definitely can change that. The problem is that the obesity and diabetic cases are increasing year on year. If everyone just acquired their parent's genetics, then the proportion of healthy vs unhealthy, fat vs lean, diabetic vs non-diabetic should remain the same over time. However, that is not the case. So we are doing something wrong to make things worse. Environmental changes, increase in stressful jobs apart, our quality of diet and exercise has been on the decline. We need to improve them. But, depending on the body type, you need to adjust your diet and exercise. So it is helpful to understand your body type based on your genetics. There are three body types in general -- endomorph, mesomorph and ectomorph. Figure out which body type you closely resemble and apply the fixes.
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