The last financial year (FY 2022-23)

 Analysis of the inflow and outflow of last FY:

1) In Inflow,  (a) the noteworthy mention is the share of 'Loan Repay', which is 33.1%. For a person completely dependent on Salary, this is a good sign. (b) There are lot of entries in 'Other' category, which is prompting me to change the categories for next year. (c) The amount I received via Mediclaim (INR 82413/-) for Miss AA Devi is something new for me and thankful to CSoD. (d) The earning from Market is still below 1%, and its a shame.(e) the start of rental income is a huge thumbs-up. (f) the interest from PPF stood at around INR 72K, which 6K per month.

2) In Outflow, (a) the reduction in Fixed Asset is a great relief, (b) The transport expenses saw a jump after I relocated, (c) the loss of money under Travel for the UK tickets is such a shame, (d) the pending money for buying land was cleared, (e) I paid 7.14 Lakh in taxes to government, (f) Food expenses are still below 2% and that's not a good sign, (g) the rubber sampling experiment was worth trying, (h) opening the Sukanya Samridhi account for R'dali is an event I longed for, (i) the 2.5 Lakh investment in house construction was worth considering the probable return in future although it might take more than 4 years.

How I fared against what I aimed at the start of this FY:

1) Regular income from immoveable property is still a distant dream. The search for land near Urpad stopped after I found the land near graveyard is in the name of Deuta, and applied in Basundhara.

2) Still I don't have any policy on equity- when to sell, what to buy etc.

3) Haven't been able to explore 80D and the current health policy. Shame on me!

Plan for next FY:

1) In the excel file:

    i) Making some change in Outflow tracking. Letting go Travel and Nina, and included a new category for Miss AA Devi. Travel will be merged with either personal or recreation. Nina will come in Donation or with context.

    ii) In Inflow, bank interests- Savings and FD will be merged. Dividend and amount from selling market will be one column as I hardly sell stocks. With Others, will try to bring a relevant category

    iii) The Sharekhan settlement money to be subtracted from the expense sheet, although in the Sharekhan Trading sheet, it may remain as it is.

    iv) Since Homeloan deduction is compensated by the contribution by Dada and Maa, I should only mention INR 17/- in the Outflow section. This is not tracked for the amount, but for the activity.

2) Action items:

    i) Get clarification of the EPF and VPF thingies. Currently there are 2 accounts under one UAN. What's the significance of VPF?

    ii) Focus on health policy - know more, open if necessary. 

    iii) Explore ULIP, maybe one will be interesting. 

    iv) No opening of FD in Zing's accounts. 

3) Keep the focus on the immovable properties and agriculture projects. 

Row data - Outflow:

	Fixed Asset	Food	Personal	Recreation	Gift/Donation	Transport	Travel	Investment	Nina	Tax	First/Uniue	Total
April	21000	2825	511	2138	4959	5300	5628	1252960	5407	61170	32500	1394398
May	22100	6863	853	4729	388	615	32654	18430	23665	61170	5000	176467
June	2727	4996	18375	5226	2818	1288	8372	296430	18775	61182	50000	470189
July	15527	6900	112036	710	15155	6970	50000	18430	17705	61170	0	304603
August	1251	3176	100539	360	2711	6700	0	28430	61044	61170	16485	281866
Sept	1586	3800	53562	260	17541	5550	2455	88484	460	56923	24936	255557
Oct	2586	7526	911	790	1148	4400	0	56430	28409	56923	4490	163613
Nov	9064	6298	1231	510	1612	2260	0	47430	26298	56923	0	151626
Dec	27747	2606	20514	1780	4109	6800	200	88430	13650	56935	8154	230925
Jan	501	18313	775	3200	4026	3500	0	20510	61119	57443	92034	261421
Feb	2000	5230	2134	1120	4890	3520	400	334930	10940	57512	0	422676
Mar	8302	5208	11393	280	1348	9640	205	55430	0	66369	33056.8	191231.8
Total	114,391	73,741	322,834	21,103	60,705	56,543	99,914	2,306,324	267,472	714,890	266,656	4,304,573
Percentage	2.46%	1.59%	6.94%	0.45%	1.31%	1.22%	2.15%	49.58%	5.75%	15.37%	5.73%	92.54%

Row Data - Inflow:

	Salary+off rmbrsmnt+mediclaim	Market (selling of equity, Dividend, MF, settlement etc)	Loan Repay(includes interest, if applicable)	Interest (Savings Account)	Interest (FDs)	Others
April	225230	840	708673			20000	₹ 954,743
May	225230	3110	11173				₹ 239,513
June	225218	1145	538673	3538	16000	55000	₹ 839,574
July	225230	1829	58673		2770	16790	₹ 305,292
August	225230	2742	38673			3325	₹ 269,970
Sept	229477	11323	8673	8438		39935	₹ 297,846
Oct	232907	1318	8673			15569	₹ 258,467
Nov	229477	2196	8673				₹ 240,346
Dec	229465	8805	33673	10954		200	₹ 283,097
Jan	228957		34698			1450	₹ 265,105
Feb	288746	2917	83656			5500	₹ 380,819
Mar	284913	4976	8673	12622		5500	₹ 316,684
Total	2850080	41201	1542584	35552	18770	163269	₹ 4,651,456
	61.27%	0.89%	33.16%	0.76%	0.40%	3.51%

The last year - 2022

Became father on 1 January. This is a milestone of this life. The year review blog didn't come to priority list. I started writing in mid- Jan and I am publishing this today on 19 Feb.

The highlight of last year is equally divided between professional and personal life. I must say 2022 was a super-duper year from most perspectives. 

1) Joining EdCast on 4 January was a big event. However, the excitement soon died down and I struggled for the initial 3-4 months. The primary reason being the switch from public to private industry and the resignation of Arjun, followed by the forced attempt to make me the director of FutureSkills Prime(FSP) project. I remember the desperate calls I made to explore different options, more in Assam and outside India, but not again to NSDC (remember how painful was re-applying to NeGD). I am not sure whether that emotion would have continued for long; but there comes the big personal news and a huge decision. The subsequent acquisition by Cornerstone on Demand (CSoD) exposed me to a completely new domain of professional experience. There were both good and bad, with more weightage towards good. While adamant people like Anupma/Snigdha, appraisal discussion with Sonal, irritating talk with Harsh, Pramod's irrational asks, Shuja's behavioural issues, Mukesh's ask to visit Nasscom office regularly were not so good, the discussion on M3 and DVF, recruiting Mayank, Rahul, Aarohi and Payal, get together at NASSCOM office, work on Marketplace revenue model, EdCast's approval on my WFH, knowledge on compliances were good memories. To be honest, the relocation approval from Delhi to Assam is one thing for which I am ready to forgive all 'bad' things of EdCast/CSoD.

2) The confirmation of a 'life' inside Nina's womb was an amazing moment. The failed efforts since 26 Jan, PregaNews showing double tick on 10 May, then the Kerala trip with 50% confirmation (blood

report says YES, ultrasound says NO), then the final sonography on 31 May, and breaking the news to everyone on 1 June-wow! The health issues with Nina and the apprehensions before our big decision to relocate to Assam were two critical points. I am so thankful to God for a conducive atmosphere at office which enabled me to relocate. Life is so humble (even career aspirations are- which is a worry at times) and simple in this part of the country. The last 10 days of the year were spent in the preparation and decisions of Nina's delivery. Lot of knowledge alongside as well. All the decisions have been positive; 2022 was great.

3) On creativity front, 2022 was great. I made substantial progress on A2O writing. This started after the 3 May call with Niluptal and the 'josh' I got. I started enjoying the writing-first on paper and then on laptop. I completed the first part and in the middle of second part. I even had a chat with Dr. Rubul Mout. The last year's diary contains multiple pages on my writing approaches of A2O- my problems, decisions, conversations with multiple people who have written
autobiography etc would be valuable later.  The year was great from other creative perspectives as well. The গৰিয়সী initiative was a time-consuming but valuable task. The article for Platinum Jubilee is another important task accomplished in last year. The article for Agia College Silver Jubilee, the presentation at AFGB, my name in Newspaper for Google Translator thing, the moderator's task at the ILO RPL MOOC session, the presentation at BSG's 10-year celebration on Skill Impact Bond, presentation at the Lakhipur College- all were nice events to remember. I did manage to read quite a few books as well. In fact, I started the 'Excel for reading books' and Facebook album last year. I am so glad that I could manage time for all these activities last year. I must mention I have started 'Original Zing' to capture all the original creation of my human life on earth in this year. This is an ambitious initiative and I must continue this.

4) On financial/investment front, 2022 was good. After CSoD, my remuneration got a huge leap. My craziness for buying land and finally settling down with the Dudhnoi NH side land was a big accomplishment. Opening the Nischit Samridhi was a big decision as well; the fruit of this step maybe realized 8 years later. The discovery of the land records (bought by Deuta) on Basundhara2.0 was another important event. And yes, the 2nd floor construction and the home loan arrangement was a favorable event for my personal finance management. 

5) People: Starting with the EdCast people, I got a new circle from my professional life- Arjun, Mukesh, Jayanta, Anupma, Deepali, Sonal, Atul, Nishchae and all other;  significant people I lost- Ajit mama, Arjun Samaguri and Preeti Singh. Rejuvenated the relationship with Venkat, Shyamsundar, Nilu, Subhojit(Kaku), Dhiramoni's husband, Mukibul Da. New people-- Dharmendra rent, Xalita, Doli, Anjan Sarmah, Kuwali, Monikuntala Baideu and Borbhuyan Sir, Asha Ranjit, Mukund Kalita (transformer guy), Bikram solmari land, Rubul Mout etc.

6) Travel: The loss of money, time and heart for not being able to go for the BSG reunion thing will stay with me forever. I started late (middle class Manjit), but not that late if usual cycle of UK visa approval continued. In spite of being an organizing committee member and submitting the registration fee, I could not manage to travel. I feel bad even thinking about this. Lesson- start early. The definition of travel also changes from this year. Travel from NCR-- Sariska tiger reserve, 2 home trips (first 15-day and then Bihu trip), Haridwar-Rishikesh trip, Kerala trip for Ruble's marriage with 'newton' inside and finally the relocation transit. In the second part of the year travel meant-- Guwhati trips 3-4 times, Delhi trips (Sept, Dec) and Gauripur trip for Nina's project work. I need to change the travel expense column now with new meaning.

7) Other important personal, family and public events: Launch of Xomidhan book 1 January'22, Bou getting government job finally, heavily engaged Under the Sal tree festival with multiple meetings with people, Experiment with Terrot card with Nina's friend, the daily massage for Nina for her backpain (new thing for me), knowledge & research on stem cell, land registration and autobiography writing etc. 

On family level, Dada's illness (spondylitis) and his family issues are worrisome signs. Maa, not considering her irrational behavior, is doing fantastic on public front by becoming president of Lekhika Xomaroh Agia branch. Moina becoming pregnant and her transfer to Itanagar are noteworthy events. Nina has an awesome year with multiple workshops, 26 January, invited dance events and NEZCC project etc.

In Public field, Worldcup football, launch of Agnipath scheme, AAP winning Punjab election, release of movies such as KGF and RRR, HBS's aggressive policies dominated the last year. 

8) Important Dates: 20feb(platinum meeting, Madhusmita wedding), 28feb(deuta-in-law getting 58K via Mediclaim), 11 March(finalizing Dudhnoi land), 12 March(Swati's place get together), 16 march (CSoD acquired Edcast), 5apr(land e-panjeeyan), 10Apr(LOY, workshop), 22 Apr(GMR presentation), 3 May(Google translate), 25 May(CSoD launch day), 2 June(all approvals taken for relocation), 26june(last day at Delhi), 7 Aug(panchamrit), 27 Aug(nezcc prog), 8 Sept( loan got sanctioned), 5oct(xaat diya on dosomi day), 23 Oct(net worth calculated), 24 Nov( pregnancy photo shoot), 2 Dec(book launch of nilutpal at Guwahati).

9) Expectation for next year- I hope to work from home until I get bored. Maybe the renewal discussion of FSP will initiate some changes at my level as well. I want the baby to start solid food. Maybe some real estate investment, if possible. On family front, Dada will buy a flat and get transferred; Moina will become a mother. Maa's health should continue as it is. Biggest joy will come if Nina can start her PhD.

----

1 January delivery date

 We are more or less fixing on 1 January as the delivery date for Nina. In the recent Ultrasound report, the umbilical cord is over the neck and this is risky. Also, Moni baideu will go out of Assam on 3 January. 

Quite a few decisions are taken, small and big:

1) Storage of stem cell: After lot of research and consultation, we decided not to go ahead with this. Samrat, Akash, Akash's didi, Debaroon, Lifecell guy, Chordlife guy (Ayon), numerous articles and videos. However, the conversation with Rubul Mout was the most informative one which led to the decision of not pursuing further. The cost was manageable - around 60K for 20 yrs- 75 years. But the lack of any successful case studies and Rubul da's revelation that stem cell using umbilical cord is not the research interest now played major role in this decision making. 

2) Hospital, Date etc: Critical care which is the newest hospital has been chosen by us. As per the doctor, the infrastructure is good for operation. However, Solace is good for normal delivery. For date, we wanted a unique date such as 1 Jan, 18 Jan etc.  However, the recent situation conspires for 1 Jan only. Mridul also suggested time between 12 and 3 PM. Of course, today is 27 Dec and I hope things go well in the coming 4 days. 

3) Normal vs C-section: Nina desperately wanted normal delivery as she wants to go back to her dancing shoes soon after Newton comes. I don't have any opinion, although people like Kamal had some. However, the recent position of the cord over neck jeopardizes the wish and the decision has been taken for c section as on today.

4) Preparing the logistics: We bought funnel cloths, Nina is swing sweater-cloth socks and cap for the new-born. My study room cum Newton's room has been shaped up. I bought jeans and shoe after 5-6 years. Adult diaper has been purchased, two bags are made ready for spending nights in nursing home. The battery of WagonR is changed. 

5) Nomenclature: Although Nina wants to give some unique name  such as হেঙুলী আভা, I know convincing the family members will be problematic. The name must start with some letters based on the date of birth- this logic will continue. I think about surname. If this is a boy, should we put surname as Yogi- I have asked Nina.

6) Future interest: We want to put some effort to expose the child to a few stuff since early age. For example, a musical instrument such as KHOL should be kept at home. Photograph of an entrepreneur/trader/politician should be there etc. 

7) Workplace: I want to continue at home at least for next one year. I am actually happy for the rise in the Covid cases. For paternal leave, I will be entitled for 10 days from next year as per CSoD policy. This is another reason for planning to push the delivery date to next year. I plan to take 5 days with delivery and remaining in the next week. For Nina, the work/documentary on hudum Puja is stopped and will be resumed only in March. To be honest, the urge to go outside Assam is getting diminished. However, I need to earn until I turn 50 or Nina gets something lucrative. 

8) Expenses: I have started tracking the expenses of Nina, which has crossed apprx 24K until now. Although I found Solace Hospital is in network hospital list, we decided to go ahead with Critical Care for now. I will submit the pre and post expenses later. I will also try to get some medical bills from pharmacy. 

Lot of future plans will depend on gender. Anyway, may God bless the baby and the mother.