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By:

Kaustubh Kale

10 September 2024 at 11:37:15 pm

Modak and the Art of Investing

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....

Modak and the Art of Investing

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. Choose the Right Ingredients A Modak is only as good as the ingredients that go into it. Fresh coconut, good-quality jaggery, properly prepared rice flour and the right flavours all contribute to the final result. Our investments and financial products are the ingredients of our financial plan. Equities, mutual funds, fixed income, gold and other investments each have a specific role to play. The objective is not to pick whatever appears most exciting at the moment, but to select suitable, good-quality investments that match our financial goals, time horizon and ability to take risks. Health and life insurance are equally important ingredients. Adequate coverage helps protect savings, the family, and their financial goals and dreams. Good ingredients provide the foundation. But ingredients alone are not enough. Get the Recipe Right You may have the finest ingredients in the kitchen, but if the proportions are wrong, the Modak may still not turn out well. The same applies to investing. Asset allocation is the recipe of a financial plan. Too much of one ingredient can spoil a Modak. Similarly, excessive concentration in one asset or too much money in low-return products can spoil a portfolio. Balance is key. A thoughtfully constructed portfolio brings different investments together in the right proportions. To keep asset allocation very simple - short-term goals can be planned through bank fixed deposits, recurring deposits and debt mutual funds. For long-term goals, one can consider hybrid mutual funds, equity mutual funds or direct stocks. Trust the Process Once the Modak is shaped and placed for steaming, constantly checking whether it is ready will not make it cook faster. Investors often make the same mistake. We keep checking markets, reacting to every correction, chasing recent performers or changing strategies because of short-term noise. Good investing requires patience and discipline. Invest regularly, review periodically and allow your financial plan enough time to work. Compounding is powerful precisely because it rewards those who remain invested for long periods. Sometimes, the best thing an investor can do is simply avoid unnecessary interference. Enjoy What You Have Created Finally comes the most important part - eating the Modak! The purpose of investing is not merely to accumulate the largest possible number on a statement. Wealth should eventually help us fulfil our goals, support our families, create financial security and enjoy life with greater peace of mind. A good Modak needs the right ingredients, the right recipe and trust in the process. A good investment journey needs exactly the same. This Ganesh Utsav, may Bappa bless us with the wisdom to make good financial choices, the patience to stay disciplined, and the prosperity to enjoy the fruits of our efforts. Ganpati Bappa Morya! (The author is a Chartered Accountant and CFA (USA). Financial Advisor. Views personal. He could be reached on 9833133605.)

Love Isn't Toxic; People Are

Jul 8
3 min read

Love has never been the problem. Human behaviour has.

People often say, ‘Love isn't what it used to be.' We hear stories of betrayal, manipulation, ghosting, emotional abuse, and broken promises. It can seem as though love itself has become toxic. But has love really changed, or is it the way people approach relationships that has changed? The truth is that love has never been the problem. Human behaviour has.

 

True love is not constant excitement, grand gestures, or perfect romance. It is a choice to treat another person with dignity, kindness, and honesty.

True love is built on mutual respect, trust and emotional security. It involves respecting each other's feelings, boundaries and individuality, caring for one another through both joyful and difficult times, and building trust through consistent actions rather than empty promises. It is marked by honest communication instead of manipulation or mind games; accepting each other's imperfections while encouraging personal growth; and creating a relationship in which both partners feel safe to express themselves without fear of judgement or rejection.

Love is not about controlling someone. It is about helping each other feel valued and secure.

 

Toxic Love

Relationships become toxic when fear, insecurity, selfishness or a desire for control replace mutual respect and care.


One common cause is unresolved emotional wounds. People who have experienced betrayal, neglect or unhealthy relationships may carry those experiences into new relationships, making them suspicious, controlling or emotionally distant.


Unrealistic expectations can also create problems. Films and social media often portray love as a constant state of excitement, whereas real relationships involve routine, disagreements, responsibilities and compromise. When expectations do not match reality, disappointment often follows.


Poor communication is another major factor. Instead of discussing problems openly, some people avoid difficult conversations, withdraw emotionally, criticise or manipulate their partners, allowing misunderstandings to deepen.


Experts also point to the role of ego. When individuals become more concerned with proving themselves right than understanding their partner's perspective, conflicts become harder to resolve and empathy gives way to confrontation.


Fear of abandonment can fuel unhealthy behaviour. Anxiety about losing a partner may manifest as jealousy, possessiveness, constant monitoring or emotional dependence, behaviours that often place further strain on the relationship.


A lack of accountability can also damage relationships. Healthy partners acknowledge their mistakes and work to improve, while toxic relationships are often characterised by blame, excuses and an unwillingness to take responsibility.


Technology has also changed relationship dynamics. While instant messaging, social media and dating apps have made communication easier, they have also increased opportunities for comparison, insecurity and the pursuit of constant validation, creating new pressures for many couples.

 

True Love

Despite growing cynicism about modern relationships, true love still exists. It may seem rare because it requires qualities that are not always easy to practise, including patience, maturity, honesty, consistency and emotional responsibility.

True love is not found in perfect people. Rather, it is created by two imperfect individuals who consistently choose respect over control, honesty over deception, and understanding over ego.

 

Healthy Love

Healthy love brings more peace than confusion.


It does not mean there will never be disagreements. Instead, both partners work through them without humiliating or harming each other.


In a healthy relationship, both partners feel respected rather than controlled and heard rather than dismissed. Trust is built through consistent actions rather than promises alone, creating a sense of security and reliability. Healthy relationships also allow individuals to express themselves freely without fear of judgement while encouraging both partners to grow as individuals even as they strengthen their relationship together.


Love itself has never become toxic. Fear, insecurity, dishonesty, and emotional immaturity make relationships toxic.


True love is not measured by how intensely someone says, "I love you." It is measured by how consistently they show respect, care, honesty, and responsibility.


At its best, love is not about possessing another person. It is about creating a space where two people feel safe, appreciated, and free to become the best versions of themselves.


When respect disappears, love begins to fade. But when respect, trust and kindness remain, love has the chance to endure. In the end, love is measured not by grand declarations but by everyday acts of honesty, care and commitment.


(The writer is an educator based in Thane. Views personal.)

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