Kaustubh Kale

As the aroma of freshly steamed Modaks fills homes during Ganesh Utsav, the festive spirit comes alive instantly. My mouth is already watering at the thought! The humble Modak, prepared with love to honour Lord Ganesha, may look simple from the outside. But anyone who has tried making one knows that a good Modak depends on several things coming together - the right ingredients, the right recipe, patience with the process, and finally, enjoying the result. Investing is surprisingly similar....

AI Generated Image Every September, we remember our teachers - the ones who shaped our thinking, disciplined our efforts, and instilled in us habits that stayed far beyond the classroom. Teacher’s Day, celebrated on 5th September, is not just about gratitude for academics; it is also a chance to revisit the timeless life lessons that apply to every sphere - including our financial journey. Let us look at four lessons our teachers gave us: 1. Level up as you grow Remember how each year in...

One of the most common questions in financial planning is: how much term life insurance should a person actually have? You may hear rules such as 10 times or 15 times annual income. While these thumb rules are a good starting point, a simple Excel sheet can help you understand the actual requirement better. The basic purpose of term insurance is income replacement. If the earning member of a family dies, the family loses not just today’s salary, but the income that person could potentially...