u/ss77714c

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So now that there is time on my hands and I am not making ppts like my life depended on it, I turned my thoughts to optimising costs. My grandmother used to say - one way to make more money is to reduce spending.

So using this principle the house got solar.

Our setup generates 10% more than the average monthly consumption. This ensures that our bill is almost close to 0. We just pay the fixed charge of 150 ish per month. Monthly savings around 7.5k = 90k annually. Cost of the setup after subsidy around 3L. So roi works out to almost 30% . This only improves as electricity rates go up. We got a price hike of 0.6 per unit last week. So roi became marginally better.

3.5 years to recover investment cost and another 15 years or so of free to minimal cost of electricity.

Recurring cost - 500 rs every 4 months for a deep clean with detergent solution. 5 min a week for dust cleaning with high pressure hose.

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Hi all,

This was my update a year ago

https://www.reddit.com/r/FIRE\_Ind/s/gwUjb8Xv6r

So what's happened in the past year?

As we know the articles we all read about poor market returns happening just when you stop working came true. :) 2 years and the stock market is like a car stuck in peak Bangalore traffic.

Portfolio is stagnant. Dipped and recovered. Have not touched it yet. Epf is also untouched. The daily expenses have been covered from existing savings ( not emergency funds)

Thanks to the middle East - international travel is out for now ; So have travelled a lot domestically. Places that were overnight hotel rooms are now explored at leisure. No agenda , no timelines.

Health cover was enhanced to 2cr. The 12 year old beater was replaced with a new car and hopefully we are good for another 12 years. No EV yet, as I feel the market needs to mature further. Got an on grid solar for the house upgrade.

The only thing that is pending is getting into shape. Since laaton ke bhoot baaton se nahi maante - a trainer will be coming from tomorrow with determination to get me and SO into shape. Wish us all the best.

Until the next update then...

Hi all, need advice regarding my brother in laws house.

It's a 59 year old building. The following issues happen when it rains.

1. The outside chambers flow back into the bathroom and flood the ground floor. The main line that connects other houses sewage along with his gets full and creates this problem.

2. There is ground water coming up from the tiles joints.

Stop gap measures like fresh grout etc have been done but the issue needs a permanent solution. Any advice would be great.

Ground floor and outside of the house are at the same level. The chambers and sewage pipes have decent slope.

Hi, Sharing my cousin's portfolio. This was structured by his financial advisor.

60L in energy infra it - payout approx 2.7L per quarter ( 50% for his parents use)

45L - powergrid invit

45L - indigrid invit

10L - ktp

This and some corporate bonds together get him close to 2L+ a month. I thought it was fantastic.

Hi,

Anyone selling coffee directly? Not a big quantity but maybe 2 kg a month.

Not looking for exotic , highbrow coffee kissed by parrots at dawn type .

Just simple Good powder for my filter.

TIA.

Hi, was looking at this and yield is close to 18% l. Plus capacity utilisation is only 30% so seems to have potential for growth too. Why is this not being picked aggressively by investors. Volumes are very low. Is it the high capital required or is there something else?