Home-Cooked vs. Outside Food: A Vegetarian's Dilemma in Malleswaram

 #659

(Rep Image)

Yesterday, as I walked back from my pedicure, I noticed a new restaurant on Sampige Road, buzzing like a beehive at 3 PM. It’s the tenth such place or so to open within a 3-km radius, each capable of seating a hundred people. With Malleswaram’s ++ population of roughly half a million, even 10% of them dining out means feeding 50,000 mouths! It got me wondering: have we, as a community, abandoned our kitchens en masse for the allure of outside food?

The Rise of Eating Out

The restaurant boom isn’t just a local phenomenon. Urban India is dining out more than ever, driven by busier lifestyles, rising incomes, and the convenience of food delivery apps. In a vegetarian hub like Malleswaram, where dosas, idlis, and thalis are staples, eateries are catering to every taste and budget. But this shift comes with questions—about health, hygiene, cost, and the cultural value of home cooking.

Hygiene and Health Concerns

One of my biggest worries about outside food is hygiene. News of raids by authorities uncovering substandard ingredients or unhygienic kitchens isn’t rare. While some dismiss these as ploys for bribes or free meals, the risks are real. Vegetarian food, unlike non-vegetarian, can be harder to spot when it’s gone bad. Spoiled vegetables or dals can be masked with spices, reheated, and served without raising suspicion. Non-vegetarian food, due to its faster decay, is often discarded or noticed more readily—though both carry risks if mishandled.

Then there’s the oil. Many restaurants, especially budget ones, reuse vegetable oils multiple times, creating harmful compounds linked to heart disease and inflammation. High-quality oils like cold-pressed sesame or groundnut are pricier, and economics often dictate cheaper alternatives like palm or refined oils. At home, I control the oil, its freshness, and how it’s used—something no restaurant can guarantee.

The Cost of Convenience

Eating out isn’t just a health gamble; it’s a financial one. A decent vegetarian meal outside costs ₹150-₹300 per person. For a family of four, that’s ₹600-₹1200 per meal. Cooking at home, even with quality ingredients, is a fraction of that. Over a year, the savings add up—money that could fund a vacation or better groceries. Good food comes at a price, but home cooking lets you prioritize health without breaking the bank.

The Environmental Angle

There’s an environmental cost, too. Restaurants generate more waste—plastic packaging, food scraps, and energy-intensive operations. Home cooking, especially with locally sourced produce, cuts your carbon footprint. Buying from nearby markets or growing herbs at home (I’ve got tulsi and curry leaves on my balcony!) supports local farmers and reduces transport emissions.

The Joy of Home Cooking

Beyond health and savings, there’s an emotional richness to home-cooked food. Four years ago, Lalitha and I committed to cooking all our meals, and I wish I’d started sooner. There’s something meditative about chopping vegetables, stirring a sambar, or rolling chapatis or working the gujarati Kichaadi/Khadi. It’s not just food; it’s love, tradition, and control over what nourishes my body. My grandmother’s recipes, passed down through generations, taste better when I make them myself—no restaurant can replicate that.

The Case for Balance

I’m not saying never eat out. ( Though I avoid, 2025 our visits were just 1 with Children insisting that we eat out, we now avoid going out even on anniversaries) Restaurants are great for socializing, trying new cuisines, or giving yourself a break. A well-chosen eatery with transparent practices can be a treat. But relying on them daily or more frequently risks your health, wallet, and connection to your roots. Moderation is key—maybe reserve dining out for weekends or special occasions.

Conclusion

The restaurant boom in Malleswaram reflects changing times, but it’s worth pausing to weigh the trade-offs. Home-cooked vegetarian food offers unmatched hygiene, health benefits, and savings, plus a chance to preserve our culinary heritage. Next time you’re tempted by that shiny new place on Sampige Road, consider firing up your stove instead. Your body, budget, and soul will thank you.

What’s your take, readers? Do you cook at home, eat out, or balance both? Share your thoughts below!

Karthik

11/5/25 (Mother's day!).

80th Anniversary of WWII End: Reflections on Victory and Lessons for Today......

 #658

My Journal Entry:- ( Personal connection too!!)..... 

Headlines..

Today, May 8, 2025, marks the 80th anniversary of the end of World War II, a day when Nazi Germany surrendered to the Allied forces, bringing an end to one of the darkest chapters in human history. On this day, known as VE Day (Victory in Europe Day), the world breathed a sigh of relief as the brutal conflict that claimed millions of lives came to a close. As I sit down to write this blog, I want to reflect on the heroes, the sacrifices, and the lessons from that time—lessons that still echo loudly in our world today, from Ukraine to the Middle East and even closer to home in India-Pakistan tensions.

The End of the War and Its Global Impact

On May 8, 1945, Nazi forces officially surrendered to the Allies, led by General Dwight D. Eisenhower, the Supreme Commander of the Allied Expeditionary Force. As Allied troops marched into Nazi-occupied territories, the horrifying truth of the Holocaust and other Nazi atrocities came to light—concentration camps, mass executions, and unimaginable suffering. The world was forever changed.

I recently came across a statement by Caroline Leavitt, the White house, press secretary, that resonates deeply: without American intervention, Europe might have been speaking German today. I’d take it a step further—without America’s timely entry into the war, Asia might have been under Japanese control. My grandfather, born in 1900, used to tell me stories of Japanese air raid sirens blaring in Madras (now Chennai) when the Japanese had already taken Burma. The fear was real, and the stakes were high.

But it wasn’t just the Americans. The Soviet Union, despite the brutality of Stalin’s regime, played a massive role in defeating Nazi Germany. The Russians endured unimaginable suffering—millions died on the Eastern Front, from Stalingrad to Leningrad. While I, like many, have little love for the Soviet Union’s oppressive system or the atrocities they committed in occupied Europe, we cannot deny the resilience of the Russian people. Their sacrifice helped turn the tide against Hitler.

Heroes Who Shaped the Victory

On this anniversary, I want to honor the leaders and everyday heroes who made victory possible. These are the people who, through strategy, courage, and sheer determination, changed the course of history. Here’s my take on some of the key figures:

Gen Marshall (L) with President Gen Eisenhower (1952-60). 
1. General Dwight D. Eisenhower and General George C. Marshall

Eisenhower, a Kansas farm boy, nearly lost his leg as a teenager but went on to become the architect of the Allied victory in Europe. As Supreme Commander, he was a master of delegation, trusting his generals to craft plans while he made the final calls. His leadership during D-Day and beyond was pivotal.

General Marshall, the unsung hero of the war, was a man with zero ego. His Marshall Plan rebuilt Europe and Japan, ensuring they didn’t fall to communism. Without Marshall’s vision, the post-war world might look very different. These two men are giants, and the world owes them an immense debt.

Churchill, FDR and Stalin. 

2. Winston Churchill

Churchill is a polarizing figure in India, and for good reason—his policies during the Bengal famine were indefensible. But in the context of WWII, his foresight was unmatched. Early in the war, he saw Hitler’s evil intentions and forged alliances with the Americans and Soviets. His famous quote, slightly paraphrased, captures his wit: “You can always count on the Americans to do the right thing—after they’ve tried everything else.” (The exact quote is, “The Americans will always do the right thing, after they have exhausted all the other possibilities.”) Churchill’s defiance during Britain’s darkest hour, when the Nazis were bombing London, kept hope alive and paved the way for victory.

Truman Holding newspaper which predicted his defeat!!! Press always Fake news even then! 
3. Harry S. Truman

Truman became president after Franklin D. Roosevelt’s death in April 1945, just months before the war’s end. His most significant,(The little quiet man from Kansas) decision was authorizing the atomic bombs on Hiroshima and Nagasaki. While controversial, this brought the war to a swift end, halting Japan’s aggressive march across Asia. The Pacific theater was brutal, with heavy American casualties, and Truman’s decision, however tough, saved countless lives by avoiding a prolonged invasion of Japan. America’s role in rebuilding Japan into a democratic nation is also a testament to its commitment to peace.

4. Major Richard “Dick” Winters

Not all heroes wore stars on their shoulders. Major Dick Winters, of the 101st Airborne’s Easy Company, was a junior officer whose leadership on the ground was extraordinary. From D-Day to the Battle of the Bulge, Winters led his men through impossible odds with courage and humility. If you haven’t watched Band of Brothers (a 10-episode miniseries, not 7 as I initially thought), do yourself a favor and see what true leadership looks like in the heat of battle.

5. Joseph Stalin (A Complex Figure)

I’m adding Stalin to this list, not to glorify him, but to acknowledge the Soviet Union’s role. Stalin was a brutal dictator, and his regime’s atrocities rivaled the Nazis’ in many ways. But the Soviet resistance, driven by the sheer will of its people, was critical. The Red Army’s victories at Stalingrad and Kursk broke the Nazi war machine. Stalin’s strategic partnership with the Allies, however uneasy, was a turning point. We can condemn the man while respecting the sacrifice of millions of Russians.

USS Nimitz supercarrier, the lead ship of her class, is named after him.
6. Admiral Chester W. Nimitz

Another figure worth mentioning is Admiral Chester Nimitz, who led the U.S. Navy in the Pacific. His strategy during battles like Midway and Guadalcanal crippled Japan’s navy, paving the way for Allied dominance. Nimitz’s calm leadership under pressure was vital to winning the Pacific theater.

Peck-Mallory, Niven-> Miller and Quinn-> Andrea. 

Miller (Hanks) and Pvt Ryan (Damon). 
Stories That Keep the War Alive

The stories of WWII live on through books and movies that capture the heroism, tragedy, and resilience of those times. Alistair MacLean’s The Guns of Navarone (Mallory, Miller, Andrea) and Leon Uris’s Exodus dive into the human cost of war and the Jewish struggle. Films like Saving Private Ryan, (Martinez, Miller) The Great Escape, and Schindler’s List bring the stakes to life, showing both the horrors and the hope. These works remind us of the sacrifices made and the lessons we must never forget.

A Personal Connection

This day is personal for me. My grand-uncle, my grandmother’s brother, ran away from home in the late 1930s, a rebel in his own right. He joined the British Army, fought in WWII, and died in Burma in his 20s. My grandmother would get teary-eyed every time she spoke of him. (Seems they got back his army uniform  as with metal buttons as mortal remains, home!!) His loss is a reminder of the countless young men and women who gave their lives for a cause bigger than themselves.

The Lessons for Today

As we mark this 80th anniversary, I can’t help but think about Eisenhower’s farewell address on January 17, 1961 (not 1960, as I mistakenly recalled). He warned of the “military-industrial complex,” a system that profits from war and pushes nations toward conflict. His words ring true today as we see tensions in Ukraine, the Middle East, and even India-Pakistan relations.

War solves nothing. Ukraine shows us that even a smaller nation can hold its own against a giant Russia, but at what cost? The Middle East is a powder keg, and neocons in Washington are pressuring leaders like Donald Trump to escalate conflicts in Iran or Ukraine. Trump, who avoided starting wars in his first term, must resist this temptation now and distance himself, wisely. The greatest tribute to the heroes of WWII would be a commitment to peace.

A Call to Remember

Let’s honor the sacrifices of WWII by working for a world where dialogue, not destruction, prevails. The 80th anniversary of VE Day is a time to reflect on the courage of leaders like Eisenhower, Churchill, and Winters, the resilience of ordinary soldiers like my grand-uncle, and the millions who suffered. But it’s also a time to ask ourselves: how can we prevent history from repeating itself?

As I close this blog, I’m reminded of a line from Band of Brothers: “We weren’t heroes. We were just doing our jobs.” That humility, that sense of duty, is what made the Greatest Generation so great. Let’s carry their legacy forward by choosing peace over war, every chance we get.

What are your thoughts?? 

Karthik.

8/5/25 9am. 

Schooling in India: A Chaotic Mess in Need of Reform.....

 #657

Context: My conversations with Lalitha as well as I stumbled up on few youtube videos on School chaos. (Shared with her) Also Suresh Sadagopan's chapter " Apple of the eye" in his book( If God was your financial planner). 

As a math coach like Lalitha, working with students from Grades 8 to 10 across various boards, you see the cracks in India’s schooling system up close. It’s a mess—chaotic, confusing, and often failing the very students it’s meant to serve. From misaligned curricula to overburdened teachers and naive parents, the system is at a breaking point. Let’s unpack the major issues, including a few you might not have considered, and why our schools, the foundation of nation-building, are churning out widgets instead of well-rounded youngsters.

1. A Curriculum Mess: No Alignment, No Student Focus

India’s education system is a patchwork of boards—CBSE, ICSE, IGCSE, IB, and countless State Boards—each with its own approach to teaching. While diversity sounds nice, the reality is a lack of alignment that confuses students and kills their interest. For instance, CBSE emphasizes rote learning for exams like JEE,(I heard podcast on this with Sabhir Bhatia this morning) while IB focuses on critical thinking but demands heavy project work. State Boards often lag in rigor, leaving students unprepared for national competitions. Lalitha, coaching across these boards, likely sees students struggling to bridge these gaps with no clue on what hits them. The curricula rarely prioritize what kids actually enjoy or need for real-world problem-solving. Instead, they’re designed to churn out exam-ready robots, not curious learners. As I say "With everything in India, it is First World thinking / ambition, and Thrid world Support systems" proven in Education too...! 

2. Hefty Fees, Yet Coaching Is a Must

Parents shell out anywhere from ₹2 lakhs a year for State Board schools to a staggering ₹15 lakhs for IB programs in Grade 10. You’d think that kind of money would buy quality education, right? Wrong. Students are still forced to fork out another couple of lakhs for private coaching in subjects like math or science just to keep up. Why? Schools often fail to deliver deep conceptual understanding, leaving kids reliant on external tutors. It appears that the coverage is not sufficient for the weakest. Worse, when parents question this, schools sometimes retaliate by targeting their kids—subtle grade tweaks or extra scrutiny. It’s a system that punishes inquiry and thrives on dependency. With 99.99999% rating not enough to secure seats in to higher studies, what options do parents have? Sad reality!. 

3. Teachers: Overburdened and Underprepared

Teachers, often hailed as nation-builders, are stuck in a tough spot. Many are qualified on paper but skip crucial aspects of learning in their rush to “complete portions.” Lalitha probably notices this when her students arrive clueless about foundational math concepts. But can we blame teachers? They’re juggling administrative tasks, extracurricular activities, and endless paperwork, leaving little time or energy for actual teaching. Professional development is often a checkbox exercise, not a genuine effort to upskill. The result? Burnt-out educators who can’t inspire or engage, and students who suffer the consequences. Oh yes, only very few teachers are paid a good salary, for the rest it is shockingly low, so where is motivation for them to strive? 

4. The Myth of the “Brand Name” School

Parents, especially those who faced socio-economic hurdles in their own youth, believe a fancy school name or board will set their kids up for life. They’re swayed by glossy brochures, grand campuses, and promises of “holistic development.” But the truth is, a school’s brand doesn’t guarantee maturity, critical thinking, or even academic success. Adding insult to injury is the franchaise model, where a reputed school sells its brand name based on decades of growth, and then all go scot free. The focus on pomp over substance misleads parents into pouring hard-earned money into systems that often prioritize image over education. It’s a blind faith that schools exploit, and kids pay the price with stress and unmet expectations.

5. Government Apathy: Schools Left to Fend for Themselves

The government, as with many issues in India, turns a blind eye. There’s little regulation to ensure schools meet basic standards, let alone innovate. This laissez-faire attitude lets schools—especially private ones—run like businesses, prioritizing profits over learning. From arbitrary fee hikes to cutting corners on teacher training, the lack of oversight creates a free-for-all where quality education takes a backseat. Meanwhile, public schools, especially in rural areas, are often underfunded and understaffed, widening the gap between haves and have-nots.

6. Schools as Widget Factories

Schools are supposed to shape mature, accomplished individuals, but many are turning into factories that produce exam-passing widgets. The obsession with marks and ranks overshadows creativity, emotional growth, and practical skills. Subjects like art, music, or even physical education are often treated as afterthoughts. Life skills—like financial literacy or mental health awareness—are barely touched. If we don’t rethink this approach, we’re setting up a generation that’s book-smart but ill-equipped for life’s challenges.

7. The 2-5% Success Myth

Sure, 2-5% of students shine—cracking IIT-JEE, NEET, or landing abroad for higher studies. But is that the school’s doing? More often, it’s the student’s personal ecosystem: supportive parents, access to top-tier coaching, or sheer grit. Schools love to claim credit, but they’re often just bystanders. For the other 95%, the system offers little beyond stress and a piece of paper called a degree. It takes them nowhere.

8. Mental Health: The Ignored Crisis

One issue that’s often swept under the rug is student mental health. The pressure to perform in a hyper-competitive system—coupled with very high parental expectations (Norm in 2025, makes me wonder!) and social media comparisons—takes a toll. Schools rarely have trained counselors, and when they do, they’re overstretched. Students facing anxiety or depression are told to “tough it out” rather than given real support. Lalitha might see this in her students: kids who are bright but crumbling under pressure. This isn’t just a side issue—it’s a crisis that’s breaking our youth.

9. Technology: A Missed Opportunity

While the world races toward AI and digital learning, many Indian schools are stuck in the Stone Age. Smartboards, when they exist, are often for show. Online learning tools are underutilized, and coding or tech skills are barely taught outside elite institutions. In a country that prides itself on IT prowess, this is a shameful oversight. Schools could use tech to personalize learning or make subjects like math more engaging, but instead, they cling to outdated methods.

6 /10 top schools are from China, shows mirror.. Yes only consolation, US /UK Schools same horror show. (May be worse than India!).... 

10. Where Indian Schools Stand Globally and How to Move the Needle

Globally, India’s school education system lags significantly, with no Indian schools ranking among the top 200 in international benchmarks like the Programme for International Student Assessment (PISA). In 2009, when Tamil Nadu and Himachal Pradesh participated in PISA, they ranked second to last among 74 regions, with only 45% of eighth-graders able to read simple English sentences or perform basic math. India’s focus on rote learning, high student-teacher ratios (often 28:1 in primary schools), and underfunded infrastructure (2.9% of GDP vs. global leaders like Finland’s 6.9%) keep it behind countries like Singapore, Finland, or Estonia, which prioritize critical thinking, teacher training, and digital integration. To move the needle, Indian schools must act decisively: adopt project-based learning to foster creativity, invest in rigorous teacher training (like Finland’s master’s-level programs), integrate technology meaningfully (e.g., Estonia’s digital classrooms), and engage communities via parent-teacher associations, as Brazil does, to tailor education to local needs. Reducing exam-centric stress and aligning curricula across boards to emphasize skills over marks can also help. Schools, not just the government, must take ownership—innovate, collaborate, and prioritize student well-being to compete globally.

A Call to Action

India’s schooling system is at a crossroads. Without serious reform—aligned curricula, better teacher support, government accountability, and a focus on holistic growth—we’re failing our kids. Parents need to demand transparency, not just chase brand names. Schools must prioritize learning over profits. And the government? It’s time to step up and regulate, fund, and innovate.

As Lalitha sees every day, the potential in our students is immense. But potential alone isn’t enough—it needs a system that nurtures, not stifles. Let’s stop producing widgets and start building a generation of thinkers, creators, and leaders. The future of our nation depends on it.

What are your thoughts? What can be done to change course? 

Karthik.

5/5/25.

PS: I was to write about 80 years completion of II WW, today thinking today is 80th Anniversary. I checked and found it is 8th May, so this post on Indian education is impromptu. 

Why India Struggles with Predictability: A Deep Dive into Chaos as the Default..

 #657

Note to myself from my Journal Entry:- 

(Prompted by Anand Driving 200 Km in 2 hrs- to begin weekend every Thursday)

Karthik, your frustration with the lack of predictability, stability, and reliability in India resonates deeply, especially when contrasted with the precision you’ve observed elsewhere—like your brother Anand’s clockwork commute in Oman or the pinpoint accuracy of space missions. The “expect the unexpected” mindset, the last-minute rush, and the constant derailment of plans despite meticulous preparation are indeed pervasive across India. This post, explores why this is the default state more than 50% of the time, delving into historical, cultural, systemic, and societal causes, and proposing potential solutions.

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The Curse of Unpredictability: A Personal Reflection

I’ve always been a planner, someone who thrives on structure and foresight. Yet, in India, my carefully laid plans—be it for a family event, a work meeting, or even a simple commute—often unravel. Deadlines shift, resources vanish, and coordination feels like herding cats. It’s maddening. Contrast this with my brother Anand, who drives 200 km between Sohar and Muscat in exactly two hours, every single time, for past 17 years, with the precision of a Swiss watch. Or consider space missions, where rockets travel millions of kilometers and arrive at their destination to the exact second. Meanwhile, in India, even the grandest events, like festivals or corporate launches, are marked by a frantic last-minute scramble. Why is this chaos our default? Why can’t we emulate the London Olympics, where arrangements were ready a year in advance, while in India, we’re lucky if things come together 365 minutes early? I witness travel without planning, meetings without agenda, visits works on adhoc pulling people like chicken for slaughter, why can't we plan for 10% of time and execute with 90% even as bare minimum? Never seems to happen. 

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Why Is India So Unpredictable? Root Causes

1. Historical and Cultural Context

India’s history of improvisation, or jugaad, has shaped its approach to problem-solving. Born out of necessity in a resource-scarce, colonial past, jugaad prioritizes quick fixes over long-term planning. While this ingenuity is a strength, it often leads to a reactive rather than proactive mindset. Culturally, a relaxed attitude toward time—sometimes called “Indian Standard (Strechable) Time” IST,—normalizes delays. Unlike societies with rigid, clock-driven cultures (e.g., Japan or Germany), India’s social fabric often values relationships and flexibility over punctuality.

2. Systemic Inefficiencies

India’s infrastructure and governance systems are stretched thin. Overpopulation, bureaucratic red tape, and underfunded public services create bottlenecks. For example:

• Transportation: Overloaded roads, unpredictable traffic, and inconsistent public transport make commuting a gamble, unlike Anand’s predictable drives in Oman.

• Resource Allocation: Poor coordination between departments leads to misaligned priorities, with resources often diverted at the last minute.

• Policy Implementation: Even well-intentioned plans, like urban development projects, get stalled due to corruption, political interference, or lack of accountability.

3. Societal Attitudes

Indian society often prioritizes immediate needs over long-term goals. This manifests in:

• Last-Minute Culture: From students cramming for exams to companies rushing project deadlines, the tendency to procrastinate is widespread. This stems from a belief that “things will work out” (ho jayega), which, while optimistic, undermines planning. Also, everybody wants to be a rule breaker, rules are for others and enage in activities of their own which hinders those who have plans and try to execute. 

• Low Value on Time: Time is rarely seen as a finite resource. Meetings start late, events drag on, and deadlines are treated as suggestions. I have sat through a meeting scheduled for 1 hr stretching up to 3 hrs. (Luckily I quit the organisation in weeks- Not my style). 

• Risk Aversion: Fear of failure discourages early action. People delay decisions until the last moment to avoid committing to potentially flawed plans.

4. Overload and Complexity

India’s sheer scale—1.4 billion people, diverse cultures, and competing priorities—creates a chaotic environment. Coordinating large-scale events or projects is exponentially harder than in smaller, more homogenous nations. The London Olympics, for instance, benefited from a centralized authority and a smaller population, while India’s events often involve multiple stakeholders with conflicting agendas.

5. Lack of Accountability

There’s little consequence for delays or failures in India. If a contractor misses a deadline or a government project runs over budget, accountability is diluted across layers of bureaucracy. Compare this to space missions, where precision is non-negotiable, and teams are held to exacting standards. I was told the 2023 Cricket world cup planning was a mess, with nothing got ready with just days left and then it was mad scramble! No wonder, everybody feels cheated/ let down post event. 

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Global Contrast: Why Doesn’t This Happen Elsewhere?

Your global travels highlight that this unpredictability is uniquely pronounced in India. In countries like Japan, Germany, or even Oman, systems are designed for reliability:

• Infrastructure: Well-maintained roads, efficient public transport, and robust supply chains minimize disruptions.

• Cultural Norms: Punctuality and planning are ingrained. In Japan, trains apologize for being a minute late.

• Accountability: Clear consequences for delays ensure discipline. For example, the London Olympics’ early readiness was driven by strict oversight and penalties for non-compliance.

• Simpler Systems: Smaller populations and streamlined governance make coordination easier.

India, by contrast, juggles a far more complex reality, where systemic gaps amplify cultural tendencies toward flexibility and improvisation.

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The Toll of Unpredictability

This lack of predictability takes a toll:

• Mental Stress: Planners like you, are left frustrated, constantly adjusting to unforeseen hiccups. While it doesn't affect mental health, the irksome feeling is genuine for a short time. 

• Economic Costs: Delays in projects, from infrastructure to corporate deliverables, cost India billions annually. For instance, a 2020 report estimated that delays in infrastructure projects alone cost India $100 billion yearly.

• Reputation: India’s global image suffers when events or projects miss deadlines, reinforcing stereotypes of inefficiency.

• Missed Opportunities: The last-minute rush often compromises quality, whether it’s a corporate pitch or a public festival.

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Solutions: Can India Break the Curse?

While deeply entrenched, this unpredictability isn’t insurmountable. Here are solutions across different levels:

1. Individual and Community Level

• Value Time: Shift cultural attitudes by emphasizing punctuality and planning. Campaigns like “Be On Time” could normalize treating time as a resource.

• Lead by Example: Individuals like you, can model reliability in personal and professional spheres, inspiring others. 

• Community Accountability: Local groups—resident associations, professional networks—can set standards for timeliness and hold members accountable. Spread the word! (Would people take it seriously, I doubt?)

2. Organizational Level

• Better Planning Tools: Companies should adopt project management software to track progress and flag delays early.

• Incentives for Punctuality: Reward teams or contractors who meet deadlines, while penalizing chronic delays.

• Training: Invest in time management (Again a myth, but I will write on this later) and coordination skills for employees, addressing the root cause of last-minute rushes.

3. Government and Systemic Level

• Infrastructure Investment: Improve roads, public transport, and digital connectivity to reduce external disruptions.

• Streamlined Governance: Simplify bureaucratic processes and enforce accountability through transparent tracking of project milestones.

• Public Awareness Campaigns: Government-led initiatives, like those for cleanliness (Swachh Bharat), could promote a culture of reliability and planning.

• Learn from Successes: Emulate ISRO’s precision in space missions by applying similar rigor to public projects. ISRO’s success shows India can achieve predictability when systems are aligned.

4. Education and Long-Term Change

• Teach Time Management: Introduce planning and organizational skills in schools to build a generation that values structure.

• Celebrate Success Stories: Highlight examples like ISRO or individuals who value and execute puncutality/ reliability, to inspire a cultural shift toward reliability.

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A Vision for a Predictable India

Imagine an India where trains run on time, events start as scheduled, and projects are completed ahead of deadlines. It’s not a pipe dream—ISRO’s space missions and individuals like Anand prove it’s possible. The challenge is scaling this precision to a billion-plus population. It requires a collective shift: valuing time, investing in systems, and holding ourselves accountable. Until then, planners like me will continue to marvel at the chaos, grit our teeth, and—ironically—plan for the unexpected and still something will go off the rails.

Do I see some shift in this in my lifetime? I don't think so!!! 

What do you think? 

Karthik.

3/5/25. 9am.

What Stays the Same and What Changes: Life at 16 vs. 61

 #656

Karaikudi 1981. (with cousin who is also settled in Bangalore). 

Today, as I complete 45 years, since I began my post schooling journey in 1980, (1/5/80) I find myself reflecting on life then and now, in 2025. At 16, (1980)I was a teenager full of dreams, navigating a simpler India with handwritten notes and landline phones. At 61, (2025) I stand wiser, shaped by decades of experiences, from black-and-white TVs, local friends to AI-driven smartphones and global network over 40 countries. This post, explores what remains true from 16 to 61 and what changes as life unfolds, inspired by my journey.

What Stays the Same: Timeless Truths

Some lessons are eternal, guiding us through life’s highs and lows, as true in 1980 as they are in 2025.

1. Adapt and Create Your Path
   Life demands adaptability. At 16, you adjust to new friends or tough teachers. At 61, you tackle career shifts or family changes. You must carve your own path, whether moving to a new city for a job or rebuilding after a setback. For me, leaving the comfort of home for better career prospects, 1000 miles away, was a bold move that paid off. Acquiring the right credentials as I evolved, launched my career, while failures—like a bad boss or my wife’s miscarriage—brought out my resilience and strength and push frontiers. Yes, at 16 and 61, Friends/ great colleagues matter, they are your Vitamins. 

2. Don’t Brood, Move On
   If something troubles you, don’t waste time sulking. At 16, you might dislike a subject—move on. At 61, it could be a job loss or a fight—act, change, or let go. Brooding solves nothing; action does. You create your path and destiny. End of story. 

3. Parents Are Your First Mentors
   At 16, you might ignore your parents’ advice, thinking you know better. By 61, you miss their wisdom and unconditional love. They are your first leaders, shaping your values, even if you realize it later. Amazing I hear this same thought from 100s of leaders in their lectures and podcasts, 45 years on. 

4. Success Isn’t About Degrees
   Marks and degrees matter, but they don’t define success. In 1980, I chased opportunities, not just grades, knowing I could seize the moment as it came. In 2025, it’s about ideas—starting a small business or solving problems. Success lies in maintaining integrity and radical candor, thinking clearly, and acting boldly.

5. Don’t Take Yourself Too Seriously
   Life throws curveballs—failing an exam at 16 or a plan falling apart at 61. Don’t dwell on mistakes. I scored 8/100 in a subject once, and it didn’t break me. Years later, I quit a job in 10 minutes flat—didn’t lose sleep over it. Laugh, learn, and work on the next plan.

6. Family First, But Be Resilient
   Family is your anchor, at 16 or 61. But storms—loss, fights, or distance—can strike. Learn to stand alone when needed. Being self-reliant, like an island, helps you face life’s toughest moments. I recollect my lonely moments of I, me, myself, for good 18 months (twice) before being 25. That muscle memory will help me as I face life in coming days. 

What’s Different: Lessons You Learn by 61

At 16, life feels like a grand adventure. By 61, you see its complexity, and some truths only time reveals. Here’s what changes.

1. Flexibility Over Rigidity
   At 16, you’re stubborn, clinging to your beliefs. By 61, you learn to bend. Opinions flow like water, shifting with new experiences. Staying rigid—in politics or personal views—blocks growth.

2. A Complete Life Needs Balance
   At 16, you think money and family are everything. At 61, you realize health, fitness, hobbies, community, and helping others are just as vital. A fulfilling life blends wellness, creativity, and service, not just a bank balance.

3. Marriage: Love and Partnership
   At 16, love feels like a romance movie with all going good. At 61, you value a wife who loves and supports you over chasing a dream partner. In India, trusting elders to guide your choice often works—marriage is a lottery, and their wisdom simplifies the odds.

4. Marriage Deepens Beyond the Obvious
   Young love is about romance and kids. By 61, marriage becomes companionship, built on shared struggles and quiet moments. The real bond grows stronger as you age, far beyond physical attraction. As my cousin said,"Real Marriage starts when you hit 60"

5. Success Is a Slow Grind
   At 16, you dream of overnight fame. At 61, you know success is a marathon—small steps, failures, and retries. Your thoughts and beliefs shape your path, but it’s persistent effort that wins.

6. Motivation Comes from Within
   At 16, you crave approval from friends or teachers. At 61, you seek autonomy (freedom to choose), mastery (improving at something), and purpose (doing meaningful work). Being valued for who you are is life’s greatest reward. 

7. Travel Humbles You
   At 16, your world is small—your town, your people. By 61, global travel and meeting diverse cultures crush your ego. Seeing the world’s vastness grounds you, teaching humility.

Regrets and Reflections

Regrets? None whatsoever! I once cribbed to my dad about not moving from Karaikudi to a bigger city, but that was just a childish wish. Looking back, I’m content with how life unfolded.

A passing thought: (What-If) I sometimes wonder if Lalitha, was my high school sweetheart,& could’ve been later my wife. But at 13, I’d have probably overlooked her as “just another face in the crowd”! I always believed in “marry and love,” so it’s just a playful what-if, not a regret.

2025 

Conclusions: Bridging 1980 and 2025

From 1980 to 2025, the world has transformed. At 16, besides studies for a pass, (Not for top spot etc.)  life was about chasing printed books from libraries, local dreams, and cricket,and landline calls in a pre-liberalization India. Today, it’s smartphones, global jobs, Inter continental travel like backyard visit, iBooks, and AI (Cricket long dead inside me). Yet, some truths endure—adapting, resilience, and family remain the backbone of a good life. What changes is perspective: flexibility, balance, and meaningful relationships grow clearer with time.

My 45-year journey since ending school began teaches this: embrace change but hold on to timeless values. At 16 or 61, life rewards those who act, learn, run, and stay grounded. Success isn’t a sprint; it’s a marathon with endurance and pain the end game of joy. While the world shifts from typewriters to touchscreens, the heart of life—love, purpose, and resilience—stays the same.

What are your thoughts? What remained same/What changed for you?
Karthik.

1/5/24. 

915am. 

A Diamond Legacy: My Salute to Dr. Alagappa Chettiar Model Higher Secondary School, Karaikudi.

 #655

Dr Alagppa Chettiar. 

Next month, (June) marks a remarkable milestone – the Diamond Jubilee (75 years) of my alma mater, Dr. Alagappa Chettiar Model Higher Secondary School, Karaikudi. As a proud student from 1973 to 1980, covering my journey from Grade 6 to Grade 12, this celebration brings a rush of nostalgia and immense gratitude.

Looking back, I owe a large part of who I am today—both personally and professionally—to the firm foundation laid at this school. The discipline, hygiene, neatness, dressing sense, and overall personal upkeep that became second nature to me were deeply instilled under the watchful leadership of our revered Headmaster, Late Dr. T.R. Radhakrishnan. He took over as Headmaster when I entered Grade 7, and his impact on my life has been lasting and profound. His insistence on discipline was not just about rules, but about building character, responsibility, and self-respect.

On the academic front, we were blessed with teachers whose dedication was unparalleled. Simply attending their classes was enough to grasp the subjects and clear examinations. Back then, my aim was simple: pass the exams. I never obsessed over scores—whether 36% or 99%, it mattered little to me, as I believed (and still do) that real success in life depends on how you perform when it truly matters, not on a marksheet. Exams were a tool, not the destination.

The spacious classrooms, the vast playgrounds, the clean, inspiring environment, and the holistic development offered to every student reflected the grand vision of Dr. Alagappa Chettiar, the doyen philanthropist and educationist who was closely associated with Pandit Jawaharlal Nehru, India's first Prime Minister. Thanks to his vision, Karaikudi, and later Madras, became centres of education with institutions covering almost every field—except medicine—under the Alagappa umbrella.

Our teachers taught us more than just textbooks—they introduced us to the larger world: snippets of English literature, global affairs, quizzing, and personality development beyond the curriculum. Those influences remain etched in my mind even today.

75 years is not just a number; it is a legacy of transformation, of thousands of lives shaped with care and conviction. As I reflect on my journey, I wish my beloved school continued success, growth, and glory.

I shall forever remain thankful for everything the institution gave me — values, opportunities, and the humble wisdom to navigate life.

A special mention too for my Elementary Schooling at Dr. Ramanathan Chettiar School (1970–1973), another gem from the Chettiar lineage, which today proudly figures among the top 20 schools in Tamil Nadu, with admissions being super-premium!

To the past, present, and future students — may we all uphold the rich legacy entrusted to us.

Long live Dr. Alagappa Chettiar Model Higher Secondary School, Karaikudi!
Happy Diamond Jubilee!

Karthik

29/4/25

Financial Planning: The Backbone of a Fulfilling Life.

 #654

2 done, 1 to go.... 

In my 60s, I’ve seen life change faster than ever. A line from Suresh Sadagopan’s book, If God Is Your Financial Planner, hit me hard: “Financial planning well done is a major aspect of life planning going smooth.” It’s so true! Today, with rising costs, longer lifespans, and less family support than before, good financial planning isn’t just nice—it’s critical. Life in 2025 demands it, especially for youngsters in their 20s and 30s who face tougher challenges than we did. My generation could take life as it came, but now, dreams, goals, and roles—like being a better son, father, husband, or employee—need a strong financial base. Here’s how to make life and financial planning work together, the steps to follow, the do’s and don’ts, and the traps to avoid.

Why Financial Planning Matters for Life Planning

Life planning is about your dreams and duties—buying a home, educating your kids, caring for parents, or just being a better person. But dreams need money. Inflation in India is eating savings, and living longer means you need more for retirement. Unlike old times, society doesn’t always step in to help. A solid financial plan gives you freedom to chase goals without stress. It’s like a strong root that lets a tree grow tall.

Key Steps in Financial Planning

1. Set Clear Goals: Decide what you want—short-term (like a vacation), medium-term (like buying a car), or long-term (like retirement). Be specific about costs and timelines. For example, a child’s college fund in 10 years needs a plan today.

2. Know Your Money: Track your income, expenses, savings, and debts. Use apps or a simple notebook. Many Indians overspend on weddings or gadgets—cut those leaks!

3. Build an Emergency Fund: Save 6-12 months of expenses in a liquid fund or savings account. Life is unpredictable—job loss or medical emergencies can hit anytime.

4. Invest Wisely: Don’t just park money in fixed deposits. Equity mutual funds, PPF, or SIPs can beat inflation. Start early—₹5,000 monthly in a mutual fund at 12% can grow to ₹50 lakh in 20 years!

5. Get Insured: Buy term insurance (10-15 times your annual income) and health insurance (₹10-20 lakh cover). Don’t mix insurance with investment—avoid ULIPs.

6. Plan for Retirement: Estimate your retirement needs. If you spend ₹50,000 monthly now, you’ll need ₹2 lakh monthly in 20 years due to inflation. NPS or EPF can help.

7. Review Regularly: Check your plan yearly. Life changes—marriage, kids, or new jobs mean your plan must adapt.

Key Steps in Life Planning

1. Define Your Purpose: Ask, “What makes me happy?” It could be family, career, or social work. Write down roles you value—parent, spouse, or friend.

2. Set Personal Goals: Want to be a better father? Plan time with your kids. Want to grow at work? Take courses. Small steps matter.

3. Balance Time and Energy: Don’t let work eat family time. Schedule what matters—date nights, parents’ doctor visits, or your hobbies.

4. Build Relationships: Strong bonds with family and friends are your safety net. Spend time, not just money, on them.

5. Stay Healthy: Exercise, eat well, and get check-ups. A healthy body supports your dreams.

6. Keep Learning: Life changes fast. Read, attend workshops, or learn new skills to stay relevant.

Syncing Life and Financial Planning

Life and financial planning are two sides of one coin. Here’s how to align them:

• Match Goals: If your life goal is to travel, your financial plan should include a travel fund. If it’s early retirement, save aggressively.

• Prioritize: Can’t do everything at once. Decide what’s urgent—kids’ education over a luxury car.

• Use Milestones: Break goals into steps. For example, to be a better employee, take a course (life plan) and budget for it (financial plan).

• Involve Family: Discuss plans with your spouse or parents. A shared vision keeps everyone on track.

• Get Professional Help: A certified financial planner can align your money with your dreams. They’re like a coach for both plans.

Key Do’s and Don’ts in Financial Planning

Discipline must rule over impulses. Here’s what to embrace and avoid:

Do’s

• Form a Savings Habit: Save first, spend later. Even ₹1,000 a month in an SIP can grow big over time. Make saving automatic with bank instructions.

• Understand Your Risk Appetite: Know how much risk you can handle. Young earners can invest more in stocks for growth; those near retirement should lean toward safer options like PPF or bonds.

• Diversify Investments: Spread money across mutual funds, fixed deposits, and gold ETFs. Don’t put all eggs in one basket.

• Consult a Financial Planner: A good planner helps you stay on track. Pick a certified one with no hidden agendas.

• Stay Disciplined: Stick to your plan, even when markets dip or friends flaunt new purchases. Patience pays off.

• Educate Yourself: Learn basics of investing. Read books or watch trusted YouTube channels to make informed choices.

Don’ts

• Don’t Buy Gold as Ornaments for Investment: Gold jewellery has making charges and isn’t liquid. If you want gold, go for ETFs or sovereign gold bonds.

• Don’t Fall for Real Estate Traps: Property is illiquid, has high maintenance costs, and prices don’t always rise. Research thoroughly—many real estate deals are red flags.

• Don’t Buy a Vacation Home: It sounds nice but ties up money, has upkeep costs, and is rarely used. Renting a holiday stay is smarter.

• Don’t Mix Insurance and Investment: Policies like ULIPs give low returns and high commissions. Buy term insurance for protection, invest separately.

• Don’t Follow the Crowd: Your neighbor’s fancy car or big house doesn’t mean you need one. Focus on your goals, not their lifestyle.

• Don’t Act on Impulse: Avoid investing in “hot tips” or panic-selling during market crashes. Let logic, not emotions, guide you.

Pitfalls and Challenges

1. Chasing Others’ Dreams: Don’t buy a fancy car just because your neighbor has one. Ask, “Do I need this?” Avoid social media traps showing “perfect” lives.

2. Falling for Hype: Big-name schools or flashy insurance policies aren’t always best. Research what’s in it for the seller before signing up.

3. Ignoring Risks: Stock market scams or “guaranteed return” schemes can wipe out savings. Stick to regulated investments like mutual funds.

4. Not Starting Early: Delaying investments hurts. ₹10,000 monthly at age 25 can grow to ₹1.5 crore by 60, but at 35, it’s only ₹50 lakh.

5. Life’s Uncertainties: Job loss, illness, or market crashes can derail plans. Diversify investments and keep that emergency fund ready.

6. Emotional Decisions: Panic-selling during market dips or overspending during festivals can hurt. Stick to your plan.

7. Not Reviewing Plans: A plan from 10 years ago won’t work today. Update it for new goals or inflation.

The 2025 Challenge

Life in 2025 is tough for young Indians. Jobs are unstable, costs are soaring, and social safety nets are weak. My generation had it easier—pensions, joint families, and lower inflation. Today’s 20-somethings face a world where planning isn’t optional—it’s survival. The next decade could be harder with AI, climate issues, and economic shifts. Start now, stay disciplined, and don’t follow the crowd.

Listening to Sane Advice

A good financial planner or a wise mentor can save you from mistakes. They’ll tell you to focus on needs, not wants. But always question their advice—understand what’s in it for them. Blind trust in “experts” or big brands can lead to bad choices, especially with education loans or insurance.

Key Takeaway

Good financial planning is the foundation of a meaningful life. It gives you the freedom to chase dreams, care for loved ones, and face life’s surprises with confidence. Start small, stay steady, and align your money with your heart’s goals.

End Note: My Personal Journey

Having started my career 40 years ago, I wish I’d known these financial lessons back then. I was prudent and decent with savings, but impulse spending before marriage was a problem. Marrying Lalitha, who knew the tricks of smart saving, brought order to my finances. I’m satisfied with where life has taken me—achieving both life and financial goals—but looking back, I often feel I(Some times we) could have done better. That’s the thing about life: there’s always room to grow.

What are your plans? Where do you stand?

Karthik.

28/4/25 9am.

A New Pope, A New Shankaracharya: Does Religion Still Shape Our Lives?

 #653

In a few days, the world will see two big religious events. The Catholic Church will choose a new Pope after Pope Francis’s passing, with cardinals meeting in Rome’s Sistine Chapel between May 6 and 11. Closer to home, on April 30, a 20-year-old scholar, Ganesha Sharma Dravid, will become the 71st Shankaracharya of Kanchi Kamakoti Peetam in Kanchipuram. These changes make me wonder: in a world driven by science and reason, does religion still matter? For me, faith is personal, and I’ve moved away from organized religion. Here’s why I think many others feel the same. 

Vatican 2008, I watched Pope Benedict address the gathering.!! 

Science Is Leading the Way

Science has changed our lives. Vaccines save us from diseases. Doctors use technology to heal. Our phones connect us instantly. Many beliefs religion once explained—like storms being God’s anger—are now understood through science. In Dan Brown’s book Angels & Demons, a priest survives a deadly fall using a parachute, thanks to science. From his deathbed he was also saved in his childhood by medicines rather than prayers alone. It shows how reason can save us when miracles don’t. Sure, science hasn’t solved everything—birth and death are still mysteries. But do we need temples or churches to find meaning? I don’t think so.

Religion Feels Like a Business

Over the last 10 years, I’ve seen religion turn into a money-making game. Big temples charge extra for “special darshan” to see God faster. When you come out, you feel empty. My cousin, (This week) paid a hefty fee as speed money (No receipts) at a famous temple just to skip the line—it felt like buying faith. Some groups ask for donations, promising blessings or warning of curses. They push for “religious unity” to fund grand projects. This hustle in holy places has pushed me away. I’m not alone—many are tired of religion feeling like a racket. I was hoodwinked a few years back in a famous temple (Vaideeswaran Koil) by a priest, who took a large sum indicating every month he would send me god's blessings after doing rituals. Never materialised. 

Faith Is Personal, Not Public

For me, religion stops at my prayer room. It’s my private space to reflect and connect. I don’t need crowds or priests to feel spiritual. I visit my family deity’s temple in our village, where it’s just me, the river, and fields of plantain trees swaying in the breeze. I sit for hours, feeling calm. This isn’t about worship; it’s about gratitude to my ancestors, who gave me this life. No fees, no noise—just peace. I believe faith is your own business, not something to show off.

Helping Others Doesn’t Need Religion

You don’t need to be religious to help others. Feeding the hungry, teaching kids, or cleaning a river—these are human acts, not religious ones. I’ve seen people of all beliefs come together for a cause. Religion often divides us, but kindness unites us. In a world full of problems, helping others is what matters, not which God you pray to.

Fear Doesn’t Hold Us Anymore

Some religions use fear to keep people in line—fear of curses, hell, or “outsiders” who threaten our way of life. But that doesn’t work anymore. People are thinking for themselves. We read, we question, we seek answers through science or common sense. Education and the internet have opened our minds. We don’t need to be scared into staying religious; we want truth, not threats.

A New Pope, A New Shankaracharya

The new Pope and the young Shankaracharya will lead millions. The Pope’s election in Rome will be a global event, with cardinals choosing someone to guide 1.4 billion Catholics. In Kanchipuram, Ganesha Sharma Dravid, a Vedic scholar, will take on a 2,500-year-old legacy. These leaders may inspire traditionalists, but for people like me, their influence feels limited. We respect them, but we don’t rely on them for answers. Science, reason, and personal beliefs guide us more. I feel they have no option but to go with the flow and changing course will be very difficult. 

No Regrets, Just Freedom

I’ve stepped away from organized religion, and I feel free. I’m not against anyone’s faith—believe what works for you. But for me, spirituality is quiet moments by the river, honoring my roots, doing my tharpanam/ Devasam for parents/ ancestors, and helping others without a religious label. Oh Yes, if any thanksgiving is to be done as a gesture of gratitude, I will be the first to be at temple doorsteps. I am open to any sect/ religion that can offer this peace of mind/solace. I know many others think like this. We’re not rejecting God; we’re finding meaning in our own way—through duty, kindness, and reason. 

So, as the world welcomes a new Pope and Shankaracharya, I ask: does religion still shape your life? Or have you, like me, found peace beyond it? For me, it’s the breeze by the river and the freedom to think for myself. And I have no regrets.

Karthik 26/4/25

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