Thursday, December 14, 2023

Crash Course in Japanese Cuisine

 Basic terms:

  • Gohan (ご飯): Cooked rice, the staple food of Japan.
  • Okazu (おかず): Side dishes served with gohan, can be meat, fish, vegetables, etc.
  • Shokuzai (食材): Ingredients used in cooking.
  • Umami (旨味): One of the five basic tastes, often described as savory or brothy.
  • Dashi (だし): Broth made from kombu (seaweed) and katsuobushi (bonito flakes), the base for many Japanese dishes.
  • Shoyu (醤油): Soy sauce, a dark, salty condiment used in many dishes.
  • Miso (味噌): Soybean paste, used in miso soup and other dishes.
  • Wasabi (わさび): Green horseradish paste, served with sushi and sashimi.

Cooking methods:

  • Yakimono (焼き物): Grilled or pan-fried dishes.
  • Nimono (煮物): Simmered or boiled dishes.
  • Itamemono (炒め物): Stir-fried dishes.
  • Mushimono (蒸し物): Steamed dishes.
  • Agemono (揚げ物): Deep-fried dishes.

Specific dishes:

  • Sushi (寿司): Vinegared rice topped with seafood, vegetables, or other ingredients.
  • Sashimi (刺身): Thinly sliced raw fish or seafood.
  • Ramen (ラーメン): Noodle soup with various toppings.
  • Udon (うどん): Thick wheat noodles, often served in soup or with broth.
  • Tempura (天ぷら): Deep-fried seafood and vegetables.
  • Donburi (丼ぶり): Bowls of rice topped with various ingredients.
  • Onigiri (おにぎり): Rice balls, often filled with savory ingredients.
  • Takoyaki (たこ焼き): Octopus balls, savory dumplings made with wheat flour and filled with octopus.

Other terms:

  • Kaishiki (懐石): Traditional Japanese multi-course meal.
  • Izakaya (居酒屋): Japanese pub-style restaurant.
  • Bento (弁当): Lunch box.
  • Otsumami (おつまみ): Small snacks or appetizer

Family of Dishes

Japanese pancakes or Okonomiyaki, literally translated as "grilled as you like," is a savory Japanese pancake dish with endless variations and a rich history. It's a popular street food found all over Japan, especially in Osaka and Hiroshima, each region boasting its own unique style.

Here's a breakdown of what makes okonomiyaki so special:

Main components:

  • Batter: Made with wheat flour, eggs, dashi (Japanese broth), and water, the batter forms the base of the pancake.
  • Cabbage: Finely shredded Napa cabbage adds texture and freshness.
  • Protein: The choices are endless! Popular options include pork belly, shrimp, squid, octopus, and even cheese.
  • Toppings: This is where the "as you like it" part shines. Bonito flakes, seaweed, mayonnaise, pickled ginger, and okonomiyaki sauce are classic choices, but feel free to get creative!

Cooking methods:

  • Traditionally, okonomiyaki is cooked on a teppan (iron griddle), but you can also use a frying pan.
  • The batter is poured onto the griddle, followed by the cabbage and other ingredients.
  • The pancake is then flipped and cooked through, resulting in a crispy exterior and a soft, flavorful interior.

Variations:

  • Kansai-style (Osaka): This style features a thinner batter and is often topped with okonomiyaki sauce, mayonnaise, and bonito flakes. It's known for its savory and slightly sweet flavor.
  • Hiroshima-style: This style features a thicker batter layered with ingredients like noodles and oysters. It's often topped with okonomiyaki sauce and Worcestershire sauce.
  • Other regional variations: Each region in Japan has its own twist on okonomiyaki, so be sure to explore different styles if you have the opportunity!

Why is it so popular?

  • Customization: Okonomiyaki's beauty lies in its endless possibilities. You can personalize it to your taste, making it a fun and interactive dining experience.
  • Affordable and filling: Okonomiyaki is a budget-friendly and satisfying meal, often enjoyed as a casual snack or a light dinner.
  • Delicious and versatile: The combination of savory flavors, textures, and toppings makes okonomiyaki a truly unique and enjoyable dish.

So, if you're looking for a new culinary adventure, give okonomiyaki a try! You won't be disappointed by its versatility, deliciousness, and cultural significance.

Gyudon:

Gyudon, pronounced "gyoo-don", is a Japanese dish that translates to "beef bowl" and consists of a steaming bowl of rice topped with savory, thinly sliced beef and caramelized onions, simmered in a sweet and savory sauce. It's considered a fast food in Japan, often enjoyed for breakfast, lunch, or a quick dinner.

Here's a breakdown of the key components of Gyudon:

Rice: A fluffy base of Japanese short-grain rice, cooked to perfection and ready to soak up the flavorful sauce.

Beef: Thinly sliced beef, usually chuck or flank steak, simmered until tender and infused with the savory sauce. The beef is often marbled for extra flavor and richness.

Onions: Sliced onions are cooked alongside the beef, adding sweetness and depth to the dish. Some variations may also include other vegetables, like carrots or shiitake mushrooms.

Sauce: The soul of Gyudon lies in its sauce, typically made with a combination of soy sauce, mirin (sweet rice wine), dashi (Japanese broth), sake, and sugar. This creates a balance of sweet, salty, and savory flavors that coats the rice and beef beautifully.

Optional toppings: While Gyudon is traditionally served simple, some variations may include a raw or onsen tamago (soft-boiled egg), chopped green onions, kimchi, or even grated cheese.

Gyudon is a versatile dish that can be enjoyed on its own or with a side of miso soup or pickled vegetables. It's a perfect example of Japanese comfort food, offering a quick, filling, and flavorful meal.

Here are some additional facts about Gyudon:

  • It originated in the late 19th century in Tokyo, likely as a quick and affordable meal for busy workers.
  • Gyudon chains like Yoshinoya and Matsuya are incredibly popular in Japan and around the world.
  • There are many regional variations of Gyudon, with different sauces and toppings.
  • Gyudon is a beloved dish in Japan, often featured in anime and manga.

I hope this gives you a good understanding of Gyudon! It's a delicious and satisfying dish that I highly recommend trying if you have the chance.

Soba:

Soba (そば or 蕎麦, meaning "buckwheat") is a type of thin Japanese noodle made from buckwheat flour. These noodles are enjoyed in various hot and cold dishes, offering a unique and delicious experience. Here's a closer look at soba:

Appearance:

  • Soba noodles are typically thin and grey-brown in color due to the buckwheat flour.
  • They have a slightly rough texture compared to wheat noodles, which adds to their chewiness and ability to hold sauces.
  • The thickness can vary depending on the region and dish, but they're generally about the same width as spaghetti.

Serving styles:

  • Cold soba: Often served in a bambooざる (zara) basket with dipping sauce (tsuyu) on the side. The noodles are dipped in the sauce before each bite, often with toppings like wasabi, chopped green onions, or grated daikon radish.
  • Hot soba: Served in a hot broth (dashi) with various toppings like tempura, vegetables, or meat. Popular hot soba dishes include鴨南蛮 (kamo nanban) with duck and green onions, or 天ぷら蕎麦 (tempura soba) with tempura shrimp and vegetables.

Taste and texture:

  • Soba noodles have a nutty, earthy flavor that comes from the buckwheat flour. They are slightly chewy and firm, with a satisfying texture.
  • The dipping sauce for cold soba is typically savory and slightly sweet, made with soy sauce, mirin (sweet rice wine), dashi, and bonito flakes. Hot soba broths vary depending on the dish, but they are generally savory and umami-rich.

Nutritional value:

  • Soba is a good source of protein, fiber, and complex carbohydrates.
  • Buckwheat is naturally gluten-free, making soba a good option for people with gluten sensitivities.

Cultural significance:

  • Soba is a staple food in Japan and is enjoyed throughout the year. It's often associated with New Year's Eve, where soba noodles are eaten for good luck and longevity.
  • Soba restaurants are ubiquitous in Japan, ranging from casual stands to high-end specialty restaurants.

Yoshoku: Western influened dishes unique to Japan

  • Omurice
  • Napolitan:
  • Korokke
Shabu Shabu (Hot Pot): 

Shabu shabu is a delightful and interactive hot pot dish that holds a special place in Japanese cuisine. Here's a breakdown of its significance:

What it is:

  • A nabemono, which translates to "things in a pot" and refers to dishes cooked and served communally in a simmering pot at the table.
  • Features thinly sliced meat, typically beef but also sometimes pork, chicken, or lamb, cooked quickly by swishing (hence the name, which is onomatopoeic) in a pot of simmering broth.
  • Accompanied by an assortment of vegetables, like napa cabbage, mushrooms, bok choy, and tofu, plus noodles and dipping sauces like ponzu (citrusy soy sauce) and goma-dare (creamy sesame sauce).

Significance:

  • Social and interactive: Shabu shabu is meant to be enjoyed with friends and family, gathering around the pot and cooking and eating together.
  • Fresh and flavorful: The quick cooking method preserves the natural flavors of the meat and vegetables, and the dipping sauces add additional layers of taste.
  • Healthy and customizable: You can control the amount of meat and vegetables you eat, and choose lighter broth options like kombu dashi for a healthy meal.
  • Seasonal variations: Different ingredients and broths are used depending on the season, making it a versatile dish enjoyed year-round.

Visuals to enhance the experience:

Overall, shabu shabu is more than just a meal; it's a cultural experience that embodies Japanese values of community, freshness, and healthy eating.

Yakiniku (Japanese for Barbeque)

Yakiniku is another delicious and interactive barbecue experience in Japanese cuisine, distinct from the hot pot style of shabu shabu. Here's the lowdown:

What it is:

  • Literally translates to "grilled meat," encompassing a variety of meats and sometimes seafood cooked on a grill at your table.
  • Bite-sized pieces of beef, pork, and offal are the stars, often including cuts like short ribs, sirloin, tongue, and even tripe.
  • Vegetables like onions, peppers, and mushrooms can also be grilled alongside the meat.
  • Cooking methods:
    • Traditional charcoal grills: Burning charcoal provides a smoky, flavorful heat.
    • Gas or electric grills: More common in modern restaurants, offering convenience and temperature control.
    • Teppanyaki: Iron griddle cooking adds another dimension to the experience.

The Yakiniku experience:

  • Interactive and social: Similar to shabu shabu, yakiniku is meant to be enjoyed with friends and family, grilling and eating together.
  • DIY grilling: You get to cook your own food to your desired level of doneness, adding to the fun and personalization.
  • Variety of dipping sauces: Enhance the flavors with different sauces like tare (sweet soy sauce), yuzu kosho (citrusy chili paste), and sesame oil.
  • Side dishes: Kimchi, pickled vegetables, and rice are common accompaniments to round out the meal.

Cultural significance:

  • Yakiniku restaurants are popular gathering spots in Japan, offering a lively and casual atmosphere.
  • Celebrations and special occasions: Yakiniku is often enjoyed for birthdays, graduations, and other celebrations.
  • Evolution of yakiniku: The style has adapted over time, incorporating influences from Korean barbecue and other cuisines.

Overall, Yakiniku represents a unique and flavorful way to experience Japanese barbecue, perfect for sharing and enjoying with loved ones.

Yakitori: Another barbeque limited to Chicken though:

yakitori! It's another beloved dish in Japanese cuisine, offering a different kind of grilling experience than yakiniku. Here's the scoop:

What it is:

  • Literally translates to "grilled bird," but primarily refers to skewered chicken cooked over charcoal.
  • Bite-sized pieces of chicken are the main attraction, including various parts like breast, thigh, skin, liver, and gizzards.
  • Cooking method: Skewers are grilled over binchotan charcoal, which produces intense heat and smoky flavor.
  • Seasoning: Options include tare (sweet soy sauce glaze), salt, or even lemon juice.

The Yakitori experience:

  • Casual and affordable: Yakitori is often enjoyed as a quick and inexpensive snack at izakayas (Japanese pubs) or street stalls.
  • Variety of cuts and styles: Different parts of the chicken offer unique textures and flavors, keeping things interesting.
  • Simple yet flavorful: The charcoal grilling and minimal seasoning allow the natural chicken flavor to shine.
  • Pairings: Yakitori is typically enjoyed with beer, sake, or even highball cocktails.

Cultural significance:

  • Yakitori has been around for centuries, evolving from street food to a popular dining experience.
  • It's a symbol of Japanese comfort food and a favorite social activity.
  • Each region in Japan may have its own specialties, like chicken wings with yuzu kosho in Kyushu.

Overall, yakitori is a delightful and versatile dish that captures the essence of Japanese grilling: simple ingredients, smoky flavors, and a communal atmosphere.

Sunday, September 11, 2022

Private Bank Reviews

 In this series, I would be sharing some feedback and reviews on the services of the some of the private sector banks.

IDFC First Bank [Overall Rating: Recommended 😀] 

Pros:

  • Product:
    • Their Joint Account product is very mature. You can perform most of your transactions online even liquidating your joint deposit. To the best of my knowledge they do not levy a penalty for premature withdrawals on senior citizen FD and show you the amount upfront as well
  • Returns:
    • Higher interest rates on deposits obviously at a higher risk.
  • Technology:
    • They have a decent website
Cons: 
  •     Premium Banking:
    • No information on how to avail their premium banking services.

IndusInd Bank: [Overall Rating: Not recommended 😠]

Pros:

  • Returns:
    • Higher interest rates on deposits obviously at a higher risk.
  • Technology:
    • They have a decent website
Cons:
  • Service
    • Poor after sales service. I had a harrowing experience trying to get my net banking password reset which you cannot do if you have not taken a debit card which is charged.
    • Their Digital accounting opening process is a farce. It takes weeks for them to enable the account and within a few weeks of opening the account you get an mail to do a paper based Re-KYC.
  • Data Privacy:
    • Extremely poor data privacy standard. They expect you to share all your personal documents via common emails.
  • Product:
    • Their Joint Account product is immature. You need to physically visit the branch in case your would like to liquidate the FD unlike IDFC where the process is online and seam less.
Suryodaya Small Finance Bank

Con:
- The OTP service is down often and therefore online fund transfer is unreliable.

AU Small Finance Bank:


Cons: 
  • Getting a Debit care is a must. Most of the net banking services cannot be availed without a debit card.

Thursday, January 13, 2022

Investment Musings

This is segregated into three areas by risk profile.

High Risk: Small cap to mid cap stocks of not very well known companies.

1. Som distilleries: Buy in the range of 29 to 37. Book profits with an upside of 10%.

2. Indian Wood Products: Buy at 26 or below. Book profits with an upside of 10%.

3. HOV Services: Buy between 35-45. Book profits with an upside of 10%.

Medium Risk: Small to mid cap stocks of reasonably well known companies or groups

1. Bajaj Consumer: Buy in the range of 160 to 1165. You can exit when you get a profit of 10-15%.

2. KIMS: Buy between 1050 to 1150. Exit on 10-20% gain.

3. DCB: Buy between 78 - 85. Exit on 10% profit.

4. Sapphire Food: Buy between 900 to 1000.

5. CONCOR: Buy 605.

6. Bank of India

7. Indian Bank:

9. EPL Ltd. Under research

Low Risk: Large caps or medium caps of well known companies.

1. ITC: Accumulate under 220 by investing some amount every month. Profit can be booked in the range of 320+.

2. GAIL: Accumulate under 125 by investing some amount every month. Sell with 10-15% profit.

Resources:

Sector wise stocks

Financial planning resources

Disclaimer: All investment strategies and investments involve risk of loss. Nothing contained in this website should be construed as investment advice. Any reference to an investment's past or potential performance is not, and should not be construed as, a recommendation or as a guarantee of any specific outcome or profit.

Sunday, December 12, 2021

Best Interest Rates on Savings and Senior Citizen Term Deposits 2023

 Savings Account Interest Rates


  1. Jana Bank: 3.5% for upto 1 L, 7% beyond 1 L [15-Feb-2023]
  2. Suryodaya: 4% upto 1 L, 6.25 beyond 1 L
  3. RBL Bank: 4.25 for upto 1L, 5.5% for amount between 1 to 10 L
  4. Bandhan Bank: 5% for amount between 1 to 10 L
  5. IDFC First Bank: 4% for balance between 0 to 10 L (Progressive)
  6. IndusInd Bank: 4% for balance up to 10 L
  7. AU Bank: 3.5% for upto 1 L, 5% balance between 1 L to 5 L
  8. IDBI Bank: 3%
  9. HDFC Bank: 3% up to 50 L
  10. ICICI Bank3% up to 50 L
  11. Union Bank of India: 2.9%
  12. SBI: 2.7% 
  13. Bank of Baroda: 2.75% 
  14. Karur V Bank: 2.25%


Term Deposit Rates (Senior Citizens)

Small Finance Banks

  1. Unity Small : 9.5% [Not in TS]
  2. Utkarsh: 9 % for 700 days (27-Feb-2023)
  3. Jana Bank: 8.8% for 2-3 yrs, 8.20 for 1-2 yrs, (1-Feb-2023)
  4. Suryodaya Small Finance Bank: 8.76 % for 999 days (1-Mar-2023)
  5. Ujjivan: 8.75 for 75 months [Not in TS]
  6. Fincare Bank: 8.71% for 750 days [16-Feb-2023]
  7. ESAF: 8.6% for 999 days [15-Feb-2023]
  8. North East Small Finance Bank: 8.5% for 1111 days [Only North East]
  9. Shivalik small finance bank: 8.5% 18 months -3 yrs [Not in TS]
  10. Equitas Small Finance Bank: 8.5% for 888 days
  11. AU Bank: 8.5% for 2 years (3-Mar-2023)
  12. Capital Small finance bank: 8.15% for 900 days [North India only]
Other Banks
  1. Bandhan Bank: 8.5% for 600 days, 601 days to 2 yrs 7.75% [3 March]
  2. RBL Bank: 8.30% for 453 days [Jan]
  3. Idfc First Bank: 8.25% for 367 days to 3 yrs [1 Mar]
  4. IndusInd Bank: 8.25% for for 2yr to 3 yrs 3 months []
  5. Yes Bank: 8.25 for 35 months []
  6. Axis Bank: 8.01 for 2y and above []
  7. Karur V Bank: 8 % for 444 days [20-Feb]
  8. Union Bank of India: 7.8% for 599 days []
  9. HDFC Bank: 7.75% for  5 to 10 yrs [19-Mar-23]
  10. Canara Bank: 7.65% for 400 days []
  11. ICICI Bank: 7.6% for above 15 months [Feb-23]
  12. Bank of Baroda: 7.55% for 390 days []
  13. IDBI Bank: 7.5% for 549 days to 3 yrs []
  14. SBI: 7.5% 2 - 3 yrs [12-Feb-23]
  15. Indian Overseas Bank: 7.5% for 444 days []

Other Long Term Options with Lock in

  1. PMVVY: 7.6% Lock in of 10 yrs
  2. Senior Citizens Savings Scheme: 7.4%
  3. RBI Floating Rate: 7.15% [You can invest online via HDFC]
  4. Public Provident Fund: 7.1 % Lock in of 15 yrs and 5 yrs thereafter (Best due to EEE taxation in-spite of low rate)

Saturday, January 4, 2020

Patalpani Heritage Train

Patalpani Heritage Train

If you are a train and a nature enthusiast you must take the Patalpani Heritage train which leaves from Dr. Ambedkar Nagar (Mhow) at around 11am and takes you to the Patalpani waterfalls and then to Kalakund where you can spend good time having lunch at railway canteen serving delicious local cuisine and on the banks of the Choral river.

The Struggle: The problematic part is getting the tickets to the train as there is no online booking option and the booking counters open only 3 hrs in advance and apparently a queue starts at mid-night. The train has 6 coaches. 4 of them G1 to G4 are general coaches with no assigned seats and wooden benches. There are two reserved chair cars with assigned seats C1 and C2. 

In case you are unable to get the tickets on the counter talk to the Chief Ticket inspector and they should be able to help out.

Pit Stops:

Patalpani Waterfalls:


Patalpani Waterfalls

The stream before it plunges down the cliff
Patalpani Bridge: 

Second Pit Stop: Patalpani Bridge


Kalakund Heritage Station: This is the last stop before where we will have lunch before heading back to Mhow. The train stops here for around 2 hours. If you had ordered your lunch you can savour the local cuisines from the railway canteen. Alternatively, you could also buy some food from the local villagers or have your own lunch.



Kalakund Heritage Station


There is small railway museum (Interpretation Center) which has a number of vintage artifacts from the railways on display.

From the station you could descend to the river bed of the Choral river and drench your feet. Depending on the season the water levels may be quite different. Also exercise caution as the water levels in the falls and rivers can change at a very short notice (few minutes).


Wednesday, January 1, 2020

Kedarnath

Kedarnath


Kedarnath: is also considered as one of the char dhaam (the four holiest places) in India in the four directions. This one being in the north.

How to Reach:

Air: The nearest airport is the Jolly Grant airport at Dehradun. Another option is to hire a helicopter.

Rail: The nearest rail head is at Rishikesh/Haridwar.

Road: is the most suitable option assuming mountainous journey goes well with you. The altitude is high and the roads are not very good due to frequent landslides. In the number of areas the roads are one way only and traffic is stopped in one direction.

Tips: There are good stay options. You can perform the puja inside the temple but it does tend to get very crowded.

Somnath Jyotirlinga

Somnath Jyotirlinga



Somnath Temple



Somnath: is arguably the most famous of all Jyotirlinga's given the number of references it gets in historical accounts. The temple has been reconstructed and located right at the sea shore which provides an amazing setting. The temple is constructed in the North Indian style with the Shikhara towering over the skyline of Somnath town.

The temple symbolized that "The Power of reconstruction is greater than the power of destruction."

How to Reach:

Airport: The nearest airport is at Diu.

Trains: The railway station is served by a number of trains and not located very far from the temples.

By Road: Gujarat has an amazing road infrastructure. We actually drove from Ahmadabad taking stops on the way and it was a good experience. You could take a taxi or buses.

Tips:

- Cannot touch the Jyotirling nor can any puja be performed.
- Plan your trip that you can see the Sound and Light show. It is AMAZING. The high beam lazers are used with the shikhara serving as the backdrop on which the entire history of Somnath is narrated by Mr. Amitabh Bachhan.

Somnath Temple: Night View
Nearby Attractions:

- Gir Lion Sanctuary: The lion sanctuary is major nearby attraction. Remember to book the SAFARI in advance as it tends to get full and there are limited slots only. In case you still miss it you can opt of a limited safari and will get to see a couple of lions. The shop also sells some really cool stuff.

Dwarka: Atlantis of the East is also not very far from Somnath and it is recommended to visit the same.



  

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I am a history buff and a thrifty traveler. I like traveling as a local. My other interests include personal income tax planning and adventure sports.