Good reads for the holidays🎄📚#1

Winter or more aptly the cooler months in south India, free from the heat and rain are ideal for travel. Following the school calendar🗓, opportunity presents itself starting from October with the Puja holidays, followed by the Diwali hols and finally the Christmas holidays. And going by the travel trends reported in the papers, the millennials…

Dividend Candidate(#1): GMDC🤑

Not a great company; not even average; below average would be apt. Then why start with this? Because the dividends they dole out is quite surprising. Here’s a snapshot from 2015: Gujarat Mineral Development Company (Ticker NSE: GMDCLTD) CMP: Rs. 55.35/- (NSE, 10 Dec 2019) [1]Established in 1963,  it’s a state owned enterprise – 74%…

Dividend Income – Pot of Gold or Reality? 🌈

Dividends are a source of income for equity investors; but many are not interested in the small amounts distributed as dividends and prefer to make a killing buying low and selling high. Why should an equity investor in India pursue dividend investing? As per the current IT laws, for a resident individual dividend income upto Rs….

Women must learn to earn…an additional income🦹‍♀️

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce (first American woman appointed as an ambassador) “My husband gives me Rs. 500/- to fill petrol in the car; I fill petrol for Rs. 300/- and keep Rs. 200/- for myself.” My friend is an MBA grad; she and her…

What do you do on a rainy day☔️?

“Sunshine is delicious, rain is refreshing, wind braces us up, snow is exhilarating; there is really no such thing as bad weather, only different kinds of good weather.” – John Ruskin 1 Dec 2019 December morning in Bangalore; it’s cold and drizzling outside🌧. And as always my day starts with tea and Nice biscuits. I stopped…

Some days are terrible🙅‍♀️

The most difficult task in the world is to still the constant chatter in the head; the imaginary conversations about things that happened in the past start playing back and forth. And instead of embracing the new day I am lost somewhere in the past, rationalising; making up sentences that I should have said; thinking…

Food we love: Toasts 🍞💝

“Food is what we are. It speaks for us. It stays with us. When we have lost everything else, the memories of food keep us going.” says Lathika George, author of the book The Suriani Kitchen. The kid has a list – Butter chicken from a hole in the wall place at Manali Beef pepper…

Brands we love: The Baggit Story👜

Handbags, made in India? What names pop up? Hidesign is numero uno. Then there is Baggit and Caprese. If it is a leather bag, I go for Hidesign; their bags are absolutely the best and for formal wear, nothing is classier than leather. What about non-leather? For a long time, I didn’t find anything I…

Embassy Office Parks REIT : To Buy or Not to Buy?🏢

To Buy or Not to Buy – that is the question – mainly because you like some aspects of a REIT – the prospect of receiving rental income; but not sure about others – is there capital  protection and how much income can I expect? Ticker: NSE: EMBASSY; BSE: 542602 CMP Rs. 419.98/- as on 15…

Good places to eat @Indiranagar, Bangalore🍡 (Photoblog)

Planning a meal out in Bangalore? Try these two popular restaurants on 100ft road at Indiranagar; valet parking in available. Bon appetit…🍹 [1] Toit – a microbrewery in Indiranagar; spread over 3 floors, the casual setting is perfect for an afternoon brunch; more the merrier🎉 We tried the Irish Red Ale, tasted good and for…

Making your first SIP million 💷

“The key is to begin…” they say and so I start my savings with a Rs. 1000/- monthly SIP in a mutual fund. “An end date for the SIP ?” asks the advisor. “Two years for the time being and then I will decide.” Two years later…. “I will continue with the same SIP amount….

Chandigarh: A gridded legacy🛣

The vivid colours of a rainbow appear mystical to most beholders and so does the Rock Garden of Chandigarh. The garden was envisioned as a dream kingdom and made entirely of nature’s bounty by its author-architect Nek Chand Saini, a PWD road inspector of early 1900s. Nek Chand was witness to the trauma and pain following…

A better way to add rental income to your portfolio💰

Rental income has become the holy grail for a passive income source in the gig economy. And now there is an easy route…read on🚧. What are the options ? Subletting an apartment is not permitted by most landlords and hence to earn rental income you need to have ownership. You can buy a property in an…

Scuba diving in Pondicherry🚤

The scuba diving took place on 1st Oct 2019 and am writing about it a month later; the delay was in anticipation of receiving the underwater photographs from the vendor. We paid for the same, was promised via email 15 – 24 hours later; but not received them till date, now a month and counting….

Celebrating Karnataka: Beyond Bangalore🌱

1st November is celebrated both in Kerala and Karnataka as their respective foundation day. Another very visible point of commonality between the two neighbouring states is that the state bus transport division in both states carry the same acronym KSTRC – Kerala/ Karnataka Road Transport Corporation. Everytime we see this bus in Bangalore, we are reminded of…

It’s Diwali…💥💥

The harbinger of Diwali are the ads in the newspapers screaming Sale! People loosen the purse strings; each family and every member has a wish-list and all the postponed purchases are carried out. So what’s happening at home? Residing in a melting pot like Bangalore we can’t stop from getting pulled in by the surrounding festive…

BSE Ltd: The exchange’s blue ocean strategy is yielding results

Paperless MF investing – it’s something taken for granted by a digital native, but for a digital immigrant like me its nothing short of a miracle of technology. I shortlisted a few MF schemes for investment, but they were spread across different AMCs; I want the Direct plan, bypassing the agents; this means a visit…