Sunday, October 11, 2026

A Long Break from Blogging: Life, Work, and the Things We Leave Behind

It has been years since I last published something on this blog. Time seems to have passed so quickly that I hardly realised how long I had been away from this little space of mine. What once felt like a regular part of my life slowly became something I kept postponing, always thinking that I would return when things became a little less hectic.

But life had other plans.

When Work Takes Over Everything

Over the past year, my work commitments have kept me extremely busy. There have been days filled with responsibilities, deadlines, challenges, and countless things that needed my immediate attention. Even when the working day came to an end, there were often other matters waiting to be handled.

In the middle of all these responsibilities, personal interests and hobbies gradually moved to the background. Blogging, which was once a way to express my thoughts, share experiences, and put ideas into words, became one of those things I kept telling myself I would do later.

"Let me finish this work first. I will write something next week."

That was probably the thought I repeated to myself many times. But one week became a month, a month turned into several months, and before I knew it, more than a year had passed.

There was no particular decision to abandon this blog. I did not lose interest in writing, nor did I forget about this space. I simply found myself caught up in the demands of everyday life, where urgent responsibilities often leave little room for the things we enjoy doing for ourselves.

Sometimes, being busy is not just about having too much work. It is also about having so many things on your mind that even when you find a little free time, you do not have the energy or concentration to do what you once enjoyed.

That is how this long break happened.

The Things We Keep Postponing

One interesting thing about life is how easily we postpone the activities that bring us happiness. We often assume that there will always be time tomorrow, next week, or next month. We convince ourselves that we will return to our hobbies once our responsibilities become manageable.

But responsibilities rarely disappear completely. One task gets completed, another arrives. One challenge is resolved, and another takes its place. If we keep waiting for the perfect moment, we may end up waiting much longer than we intended.

Blogging was one such activity for me. There were thoughts worth sharing, experiences worth writing about, and ideas that crossed my mind from time to time. Yet, I did not make the effort to sit down, organise those thoughts, and turn them into a post.

Occasionally, I would remember my blog and think about writing something new. I might even imagine how I would begin the next post. But work would demand my attention again, and the idea would remain unfinished.

Looking back, I realise that the break was not necessarily a lack of inspiration. It was more a result of priorities, limited time, and the habit of putting personal interests aside whenever professional responsibilities became demanding.

Of course, work is important. It provides opportunities to learn, grow, and take care of our responsibilities. There are times when we must give it our full attention. However, it is equally important to remember that our lives are made up of more than work alone.

The little things we enjoy doing also deserve a place in our lives.

Returning to This Little Corner of the Internet

Today, I am writing again, and that itself feels like a small but meaningful step.

This blog may have been quiet for more than a year, but it has not been forgotten. It remains a place where I can share my thoughts, experiences, observations, and ideas without the pressure of having everything perfectly planned.

I do not want to make any unrealistic promises about publishing new posts every week or following a strict schedule. My professional commitments are still important, and there will undoubtedly be busy days ahead. But I would like to make an effort to find some time for writing whenever possible.

Sometimes, all it takes to restart something is to stop waiting for the perfect opportunity and simply begin.

This post is my way of doing that.

I also believe that a long break can offer a new perspective. We return to familiar things with different experiences, different thoughts, and perhaps a better understanding of what matters to us. I hope this return will bring fresh ideas and renewed enthusiasm for writing.

A Small Beginning, Not a Grand Promise

To everyone who may have visited this blog during my absence, thank you for being here. Even if the pages remained unchanged, the thought that someone might still discover or revisit something I wrote earlier is encouraging.

And if you are reading this for the first time, welcome!

I hope to share more posts in the days ahead, whenever time and circumstances allow. They may be about everyday experiences, interesting observations, personal reflections, or any subject that feels worth discussing.

For now, I am not making a grand announcement or promising a dramatic comeback. I am simply opening this space again and taking the first step after a long pause.

Life will continue to be busy. Work will continue to bring its own demands and challenges. But perhaps it is possible to find a little balance between fulfilling our responsibilities and making time for the things that make us feel like ourselves.

After more than a year away, it feels good to be writing here again.

Sometimes, returning is just as important as beginning.

Here is to new thoughts, new posts, and a fresh start for this blog!

Thank you for reading.

Tuesday, February 1, 2022

BUDGET 2022


BUDGET 2022 QUICK SUMMARY


DEFICIT/EXPENDITURE

1. Proposes fiscal deficit of 4.5% of GDP by 2025/26

2. Projects fiscal deficit of 6.4% of GDP in 2022/23

3. Revised fiscal deficit for 2021/22 at 6.9% of GDP

4. Total expenditure in 2022/23 seen at 39.45 trillion rupees

5. States will be allowed 4% fiscal deficit to GDP in FY23

6. 50 year interest free loans over and above normal borrowing allocated to states

7. Scheme for financial assistance to states for capital investment outlay to be 1 trillion rupees in 2022/23


TAXATION

1. Import duty on certain chemicals are being reduced

2. Customs duty exemption on steel scrap to be extended for another year for small- and medium-sized businesses

3. Customs duty on stainless steel, flat products, high steel bars to be revoked

4. Unblended fuel to get additional duty of 2 rupees per litre from October 2022


FINANCE

1. Emergency credit line guarantee scheme for small and medium sized businesses to be extended to March 2023

2. Energy transition and climate action will be a major government priority

3. Public issue of Life Insurance Corporation expected shortly

4. Initiatives from last year's budget have been provided adequate allocations in this budget

5. Special Economic Zones Act to be replaced with new legislation

6. To amend bankruptcy code to speed up resolution process

7. Aims to lower winding up of companies to 6 months from 2 years currently8. 

8. Long term capital gain surcharge to be capped at 15%


DIGITAL CURRENCY

1. To launch digital rupee using blockchain technology starting 2022/23

2. To launch scheme for taxation of virtual digital assets

3. Losses from sale of virtual digital assets cannot be offset against other income

4. Income from virtual digital assets to be taxed at 30%


DEFENCE

1. Govt committed to reducing defence imports


INFRASTRUCTURE

1. 5G spectrum auctions to be conducted in 2022

2. Scheme for design-led manufacturing for 5G will be part of production-linked scheme

3. To award contracts to lay optical fibre in rural areas, completion in 2025

4. 480 billion rupees set aside for affordable housing in 2022/23

5. To allocate additional 195 billion rupees for production-linked incentives towards solar equipment manufacturing


AGRICULTURE

1. Domestic scheme introduced to reduce dependence on oilseed imports

2. Fund with blended capital raised under co-investment model to finance agriculture startups

3. Railways to develop infrastructure for small farmers in 2022/23


TRANSPORT

1. 400 energy efficient trains to be manufactured over next three years

2. National highways network to be expanded by 25,000km in 2022/23

3. Highways expansion to cost 200 billion rupees in 2022/23

4. India to bring out battery swapping policy

Monday, January 31, 2022

Economic Survey released before Budget : Points

Indian economy is expected to witness real GDP expansion of 9.2% in 2021-22. Agriculture and allied sectors have been the least impacted by the pandemic and the sector is expected to grow by 3.9% GVA of Industry (including mining and construction) will rise by 11.8%.

Indian economy is in a good position to witness GDP growth of 8.0-8.5% in 2022-23. Foreign exchange reserves at US$ 634 bn on 31st Dec 2021. This is equivalent to 13.2 months of merchandise imports & is higher than the country’s external debt India’s CPI inflation at 5.6%

Economic output surpasses pre-covid levels. Agricultural sector was the least impacted by the pandemic-related disruptions. Revival in the Indian residential real market in 2021 in terms of growth in sales, prices and new launches.

Hotel occupancy rate has recovered substantially, reaching 56-58% in October 2021, from 30-32% in April 2021. Boom in software & IT-enabled services exports even as earnings from tourism have declined sharply. Government consumption is estimated to grow by a strong 7.6%.

Investment to GDP ratio to 29.6% in 2021-22, the highest in seven years. Private investment recovery is still at a nascent stage, there are many signals which indicate that India is poised for stronger investment. Investor sentiment in manufacturing at all time high.

India’s total exports are expected to grow by 16.5% in 2021-22 surpassing pre-pandemic levels. Imports are expected to grow by 29.4%

Out of an ambitious export target of US$ 400 billion set for 2021-22, India has already attained more than 75 per cent of it by exporting goods worth US$ 301.4 billion. 40 per cent of India’s exports is still accounted to only seven countries.

The gross monthly GST collections have crossed ` 1 lakh crore consistently since July 2021. The fiscal deficit for April-November 2021 has been contained at 46.2% of Budget Estimates (BE) 89,066 crore was raised via 75 IPO issues in April- November 2021.

Indirect tax receipts have registered a YoY growth of 38.6% in the first eight months. Gross GST collections, Centre and States taken together, were `10.74 lakh crore during Apr to Dec 2021

Disinvestment target was 1.75 lac crs. Govt was able to mobilise only Rs 9330 crs so far. Total expenditure of the Government increased by 8.8% during April to Nov 2021 and stood at 59.6% of Budget Estimate. Expenditure on major subsidies stood at 2.31 lakh crore.

India’s ranking in Global Innovation Index has climbed 35 ranks, from 81st in 2015-16 to 46th in 2021. Gross enrolment ratio in higher education recorded at 27.1 percent in 2019-20, was slightly higher from 26.3 percent in 2018-19.

It is estimated that over the period of five years, the PLI Scheme for Textiles will lead to fresh investment of Rs.19,000 crs, cumulative turnover of over Rs.3 lakh crs, create additional employment opportunities of more than 7.5 lakh jobs in this sector.

Despite the push for renewables, as per the Draft National Energy Policy of Niti Aayog, the demand for coal is expected to remain in the range of 1.3-1.5 Billion Tonnes by 2030. 28 coal mines have been successfully auctioned. Auction process for 88 coal mines is underway.

One Nation One Ration Card progress - the facility of national/inter-State portability is enabled in 34 States covering nearly 75 cr beneficiaries (94.3 % of total target) The Government set 20% ethanol blending target for mixing ethanol with petrol to be achieved by 2025.

In December alone 4.6 billion transactions worth `8.26 lakh crore were carried out by UPI. Total assets of NBFCs increased from `36.37 lakh crore in September 2020 to `42.05 lakh crore in September 2021, resulting in YoY growth of 15.61%

Source : https;//twitter,com/lalitinvestor

Wednesday, January 26, 2022

Inflation

 Its a forwarded message received : Source unknown

Inflation was never a Problem Before Like it is Now. It is at 40-years High of 7% - Nearly 4 times above the Fed's Target of 2%( Actual Inflation might Be in Double Digits Above 10%) Stock Market were Never as humongous overvalued before as they are Now. Refer Market cap/Gdp Ratio. Just like Mother Nature , Economics and Stock Market Should be Allowed to function freely. Else we see the Earthquakes and Tsunamis. FED cannot Print endlessly and Make people Rich, This will have an ugly End.

Japan is 30% Below its 1989 Highs- More than three Decades Investors waiting to get back the invested money  !!  China is 45% below its 2007 Highs - More than a decade and Investors do not even have 50% Left of What they Invested  !! 

If the above is not an eye Opener - I wonder What  !! 

Those Who are arguing about the Bright Future of Indian Economy, potential Growth etc Bla Bla - Remember China and Japan were not Somalian or Sudan  !!  Next Such Markets can Very Well be Indian or Even the United States(Most Likely)  !!  Some Folks will Curse Stock Market in Few Months . The cycle Never Change, Even The Participants do not Change Greed Kills  The Same Crowd Over And Again. 

Its a forwarded message received : Source unknown

Tuesday, January 25, 2022

The new Silver Story

 Silver is coming into the limelight for the past few weeks. Three major fund houses started Silver ETFs after SEBI amended rules to introduce it. So will you make it as a part of your portfolio? 

The prime objective of adding it into your portfolio is to diversify your portfolio and hence it should have lower correlation with other asset classes such as equity and bond. But..

Silver in the last 40 years generated negative annualized return of 1.14% in $ terms. Most of the rise are in lumps and is not constant. Silver has maximum drawdown of 90% in the past and annualized volatility of arounf 25%. What it means? It reflect high risk nature. Its very cyclical in nature and only very experienced investors or traders can understand the nature. So if you don't know, better avoid.

Tuesday, February 19, 2019

ESTONIA E - RESIDENCY | എസ്റ്റോണിയ ഇ റെസിഡൻസി |Mixed Logic | Europe Citi...

യൂറോപ്പില്‍ സംരംഭം തുടങ്ങുവാന്‍ ഉദ്ദേശിക്കുന്ന ഏതൊരു രാജ്യത്തെ പൗരനും വളരെ എളുപ്പത്തില്‍ അത് സാധ്യമാക്കാന്‍ വേണ്ടി എസ്റ്റോണിയ എന്ന ഒരു ചെറിയ രാജ്യം അവതരിപ്പിക്കുന്ന പദ്ധതിയാണ് ഇ-റെസിഡന്‍സി.
All you need to know about the e-residency. Benefits of using Estonian e Residency to setup a company by reducing the paperwork. Siutable for eCommerce, and Telecom companies.








യൂറോപ്പില്‍ സംരംഭം തുടങ്ങുവാന്‍ ഉദ്ദേശിക്കുന്ന ഏതൊരു രാജ്യത്തെ പൗരനും വളരെ എളുപ്പത്തില്‍ അത് സാധ്യമാക്കാന്‍ വേണ്ടി എസ്റ്റോണിയ എന്ന ഒരു ചെറിയ രാജ്യം അവതരിപ്പിക്കുന്ന പദ്ധതിയാണ് ഇ-റെസിഡന്‍സി.
All you need to know about the e-residency. Benefits of using Estonian e Residency to setup a company by reducing the paperwork. Siutable for eCommerce, and Telecom companies.

A Long Break from Blogging: Life, Work, and the Things We Leave Behind

It has been years since I last published something on this blog. Time seems to have passed so quickly that I hardly realised how long I had ...