The real problem isn’t planning, It’s that we take our plans to be something they aren’t. What we forget, or can’t bear to confront is that, in the words of the American meditation teacher Joseph Goldstein – ‘a plan is just a thought.’ We treat our plans as though they are a lasso, thrown from…
2023: Buying assets on sale❗️ 💻🏷
Hindsight is 20/20 and looking back at the Indian markets, 2020, seemed to be the best year to buy equity; 2021 was the best year to buy real estate and the recent past 2022 was the best year to buy gold. From the highs of Oct 2021, the Indian equity markets have not seen a…
Arabian delights and Malabari déjà views (guest post)🌴🥘
Salt-baked recipes are an ancient theme as early as the 4th century before the common era, which has always been the outcome of functional cooking methods. The salt-crust encapsulation protects the food from direct heat and ensures even cooking and the possibility of drying out. It is a popular method for cooking all meat products;…
Mantra @Kochi 🛍
“Shopping in Kochi !?” my neighbour at our Kochi apartment was surprised when she saw the shopping bags as I stepped out of the Ola cab. “We head to Bangalore for shopping.” she added “What do you buy from here that’s not available in Bangalore?” she asked glancing at the bags. “Mantra is not there…
Sunday bite 🧇🍓@Hole in the Wall
Trees are ready for the scorching summer ahead; the leaves turning yellow, orange, red and then shed, the last of the flowers are dropping off. Up above, the bare branches of the rain trees in Koramangala are are biding their time while the relentless Bangalore traffic crawls below. Sunday morning and we are heading out…
Camera Chronicles: A Mumbai wedding 🌃
Either the buildings in Mumbai are very tall or the airplane is flying too low…as you approach the mega city, you can clearly see the rooftops of the skyscrapers, the solar panels, the swimming pools, too close for comfort. Is it safe to be flying this close to the buildings !? Usually the airports in…
Property repairs – an unplanned financial goal 🏚
Investment objectives lie at the very heart of personal financial planning and investment advisory services. The investment objectives can be broadly considered to be of two types – an explicit return objective in percentage terms either absolute or relative to a benchmark or a specific goal based approach, to accumulate a certain amount of corpus…
Feni & Tapas food trail in Goa 🍹🌮
“There is something about Goan drinking that is worth recording for posterity. A Goan seldom gets drunk, though every village has its miniscule quota of alcoholics. Unlike many non-Goan Indian tourists who mix beer with whisky and consume it in large gulps trying to get a quick kick…which they rightly deserve in the seat of…
A lil “Tajness” to the Republic Day 2023 in Goa 🇮🇳
The year 2023 has dawned with the possibility carving out a lot of long weekends over the course of the ensuing months; the first of which is the Republic Day weekend. The Republic Day, 26 January was a Thursday and with Friday off, it’s a long weekend and we headed out to Goa. Our stay…
Which PMS strategy is better – Concentrated or Broad-based?
Let’s take two well known examples – from the Marcellus fund house, their flagship PMS scheme, the Consistent Compounders Portfolio (CCP) and from the White Oak India fund house, their flagship PMS scheme, the Pioneers Equity Portfolio. The Consistent Compounders Portfolio (CCP) is a large cap focused PMS fund holding just fourteen stocks (as on…
The best tree of the season 🎄
The Christmas trees are everywhere, in homes, hotels, malls, shops; all are artificial trees, but each one is unique and pretty. The possibilities in terms decor are endless and the sheer creativity involved in making them a stand out is brilliant and never fails to amaze. The Taj West End at Bangalore has some spectacular…
18.6% CAGR: Marcellus Consistent Compounders Portfolio (CCP) – Great, good enough or bad?
And so, are the returns from the PMS fund great, good enough or bad? If you are invested in Marcellus CCP fund, the net value of your portfolio in CCP depends on when you started investing in the fund and the type of fee structure you opted for. The year of inception for their flagship…
Vanakkam Chennai: A wedding soirée 💍
The days in Bengaluru are getting dark early, the weather outside is windy, damp and cold. Not cheery weather at all; and we were happy to get a brief escape from this dreariness and fly off to a quick but pre-planned celebration in the neighbouring metro city of Chennai. I am flying into Chennai after…
Don’t Believe Everything You Think by Joseph Nguyen: More room for miracles ✨📖
It was a routine year end visit to the Sapna book house at Indira nagar in Bangalore for the usual purchase of the next year’s desk calendar and a diary; this was easily accomplished on the second floor of the shop. But succumbing to temptation, I went to check out what was on display at…
Tête-à-tête 🚗 (guest post)
Not sure if it’s calculated or a mere coincidence but they do select the least expected spots as the catchment areas; it can be just around an unsuspecting curve, two streets away from the popular watering holes in the locality in the late evenings and even right at the bottom of an empty overbridge where…
1️⃣ December: Tree Day🎄
No sun today; it’s cloudy, grey and a windy morning here in Bangalore; has all the signs of a lazy day ahead. Quoting Jim Rohn here “Either you run the day or the day runs you!” It is a special day though, the beginning of a new month and the first task of December is…
Camera Chronicles: Ready, set, sail @Bambolim, Goa⛵️-II
“Photographs are a way of imprisoning reality…One can’t possess reality, one can possess images–one can’t possess the present but one can possess the past.” ― Susan Sontag, On Photography Aquasail – a fun venture we encountered at the Grand Hyatt resort in Goa earlier this month. The plan we opted for had sailing in three boats for…
Camera Chronicles: Ready, set, sail @Bambolim, Goa⛵️-I
More in the next post ! Take care !!
Workcation at Grand Hyatt, Goa 🌴
Warm sun, cool breeze and rhythmic sound of the waves; not the ideal the setting for work, but work we must. And that was okay and that was how it was planned. Grand Hyatt is located by the sea shore overlooking the Bambolim bay; 25 kms away from the Goa airport at Dabolim. A sprawling…
New & Blue 🌬
“A year from now you may wish you had started today.” Karen Lamb I am back to working full-time now and in a new niche. Starting over anew, after a sabbatical is a roller-coaster experience. The opportunity was godsend; and I am grateful for it. But it’s no cakewalk; the learning curve is steep; stumbling…
Miles and smiles 
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