Two kids down

 Title says it all, we were busy bringing two new humans to this planet.  Now a lot of energy goes into making sure they turn out to be value-added on this planet.

Songs in my head: Yaad by Sonu Nigam, epic, underrated, and melodious. 

Teri bawafai ke angora mein liptee rahi hain rooh meri
Mein iss tarah aag na hota jo ho jaati tu meri
Har ek saas se dhahak jaata hain shola dil ka
Shaayad hawa mein phaili hain khusbhoo teri

--Zakir Khan

Kanwar Grewal singing Live in Voice Of Punjab Season 7 | PTC Punjabi

Experienced magic in punjabi singing after a long time.

Still miss him

As he lay down on the pyre
I reached out and touched that mole on his chest
One last time
The same mole I have on my chest
Reminding me of the bond we shared
The smiles we shared
The moments I missed

Why I do not trust Amazon Reviews any more

 Amazon reviews cannot be trusted any longer. Recently I have seen a lot of reviewers ending with " I received this product for a discount in exchange of an unbiased review" but if you notice all of them are either 4/ or 5 stars. The indebtedness of getting a product for a discount translates to higher ratings for sure but see the image below screenshot from craigslist.....can you trust the reviews?

Student loan advice

Sharing my student loan and refinancing experiences

Student loan while in school
I used Citizen's bank as based on my research they are the best for low rate interest. If you have a co-signer even better. This is what I used while in business school (https://www.citizensbank.com/student-services/)

Loan Refinance

SOFI:  I consolidated my student loans from Citizens with a fixed interest loan from sofi. Loved the experiences and the interest rate. Apply here if you would like to refinance (https://www.sofi.com/refer/4/13767)

Earnest and Credible: When you are interest rate chopping check them out as well, with me I had already selected sofi and both these guys were only able to match sofi and not beat it so no reason to switch.

Goof Luck

Pacific Gas & Electric Time of Use Rates ETOUA versus E1 schedule Analysis

Pacific Gas & Electric (PG&E) E1 Residential rates schedule still make sense for a lot of homeowners

I did some basic calculations and compared ETOU with the older E1 rate schedule. My analysis shows for an average single family home the new time of use (ETOUA) do not make any sense unless you really shift your energy usage and start all your cooking after 8pm. PG&E currently has two time of use rates ETOUA(3pm-8pm) and ETOUB (4pm-9pm). I honestly think ETOUB is even worse than ETOUA as it means that you start watching TV after 9pm. 

I compared a single months bill of June under the two rate schedule scenarios and my calculations show that traditional E1 rates would still make sense for a lot of homes. 

A spreadsheet for people to plug there own energy use numbers and check how their monthly bill would compare between ETOUA and E1 residential rate schedules can be found here