Reconciled

I thought I was smart. I can figure out a lot of stuff, stuff a lot of others can’t fathom at all.

I started realizing a flaw in the above logic a few years back. To be precise, almost around 15 years back when I did a tiny course on “Finance for the non-financial”, even got a book by the name. The course was great, and I learnt so much, probably more than I have ever learnt from a 3-day course.

And then I suffered from short term memory loss. Now where finance is concerned, my brain is like a sieve, the numbers and logic just filter out and what is left is a fuzzy soupy liquid with some keywords floating around which I vaguely understand and cannot possibly relate to.  I was good at math, once upon a time. I understood compound interest and derivatives and statistics. Probability, well, ahem, I always had probable answers, which turned out probably wrong slightly more than 50% of the time, as statistics proved. But I always knew how to solve the problem as soon as I knew the solution, isn’t that uncanny? I mean that is sheer reverse engineering.

Problem with being part of the corporate world is that a ton is about numbers (it is about weight too, if you know what I mean). You need to be able to read (and interpret) financial statements, profit and loss, cash flow and other such blah when you are talking to your boss, who keeps rattling numbers and jargons. Or when sitting through meetings with the CxOs of the organization with incomprehensible terms like COGS and CAGR and ARPU and ACV floating around, you must fight hard to make head and tail of what people are trying to communicate and plug in the torso too. Being the person who still needs to count how many zeroes in a million (is it five or six?). (on her fingers, stupid), and still calculate like 20, 200, 2000, 20000 and so on till I reach the required number of zeroes needed and I am reasonably confident about the excel sheet, you can imagine how accountable I feel, pun intended.

Then there is taxation which is heavily taxing, despite rebates. Why the hell do they have to have so many sections under which you can possibly save, and then sub heads. To me 80 CCD only makes me wonder about how many Café Coffee Days outlets are there at Pune. Every year, when it comes to computing taxes, and figuring out saving, advance tax, net income, and translating questions that my spouse and CA have for the finance teams, understanding the responses, gets on my nerves. I mean, why can’t they just talk to each other and be done with it. And why don’t they use English for that matter? So we end up fighting every year, without fail, whenever this topic comes up, because I don’t get the net, and my husband doesn’t get it and is grossly upset. And every year I resolve that next year, I will do this on my own, it is not rocket science (that may be easier?). I will definitely, positively, next year.

God forbid if someone starts talking stocks and assets and liquid and solid funds and expects me to make an intelligent response, they have another thing coming.  They are like far far beyond imagination, like an afterlife, I have heard about it, maybe they do exist, I am sure, and people who understand it, I am sure, have supernatural powers. I have never, till date, figured out the market. When one sells, another buys, and both of them think they are helluava smart! Really.

My mind has learnt to quietly shut down and think out of the garbage whenever a discussion around such topics come up, while all the gibberish is debated and discussed around me. I am the kind of person who If asked to balance the cash, would bring in the scales and start measuring. But I pay a lot of interest, to my work and the movies I watch and whether my maids are cleaning the house properly. These days there is always a hot debate in every forum on GST with people chiming in favor and against the same. I realize then, what good a listener I am. I mean, I can nod at all the right places, and intelligently.

Sometimes my employees start talking ESOPs and ESPP, my heart starts beating faster, question 1 simple, cleared, question 2, medium complexity, managed it, now what the hell does he mean by that question no 4? Then I rattle off something about a critical urgent meeting that I forgot and promise to come back on his questions, on mail of course, so I have the time to google it, before responding.

To further add to my woes, my son talks finance, and in my office, I am surrounded on all sides by teams who are nicknamed as AP and AR (If you have read so far, you sure know what these mean). Recently I have been asked to perform a marathon task called financial planning, I am going to look it up in the dictionary. I need a tax-man to save me now. Or maybe an insect like an account-ant.

 

 

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Maal-eficient

This started when I was labeled JMMT which I didn’t quite understand at first, hence the clarification “Jhil Mil Maal Thi”. I wondered whether to be angry due to the inappropriate use of the word “Maal” or because of inappropriate use of past tense.  These days, when even “sexy” is considered pornographic and the कमाल माहौल with all feminists around, I wasn’t sure whether a smiley or an angry emoji made sense. The thought lingered and I decided to decode and shred the word that has so many connotations in the great Indian middle class context. Delete middle class, I seem to have a fixation with it. I have not checked whether the word has found its way into the oxford dictionary yet, but even as I count on my fingers, these spring to mind almost immediately.

I think the most traditional use of the word “माल” would be for goods or things. And most frequently used in transportation and businesses where large amounts of goods are moving inward or outward. God, this is beginning to sound like a thesis, which was not the thought I started this with at all, so the antithesis has to begin now.

Directly from things is derived the “expensive माल”.  As the मालदार “Lion” of 70’s Bollywood fame used to say, to his “Mona Darling”, “Mona, हमारा माल कहाँ पंहुचा?” “मालिक, सारा माल पुलिस ने पकड़ लिया”, here, like we all know we are talking about contraband and Pirates of Caribbean and National Treasure and the visualization is that of crates full of gold biscuits and ornaments, stashes of green and pink currency and underground temples when lighted up revealing precious stones and idols and more.

There is also the tasty माल that refers to awesome food, the ones you hog over in great Indian weddings and in hotels only at company expense, (without even burping) like the dry fruits and कचोरी and समोसा and sweets that are smashing but brutal for the तोंद . Which makes me wonder why “maal-nutritioned” means the opposite of what it should mean? All the rich brats are actually well stuffed with माल and not the skinny ones from Sudan.

Now, if you talk to the students of Symbiosis and other NRI-class schools where neo-rich kids with their expensive cars are sent to get a quart of education but instead get a pint of rum and a pinch of the stuff up their nostrils, “yeah, this is good shit, man, ये माल कहाँ से लाया”.  Here the माल, low in quantity, high on quality and has to be stuffed up noses or intra-venous, forever banned dope in Indian homes and can kill Bill too (or two, aaah, doesn’t matter)

And then you have the malls where all the imported माल is displayed, even the Indian माल is displayed in a way to appeal best to फिरंगीs, much to the dismay of the poor and the tired, who can look but not buy; and the rich and the famous who buy without a look, where you and me go to enjoy an afternoon of conditioned air instead of raising the home electricity bill in this scorching heat. A Sunday afternoon well spent on ogling all the stuff you will never need, with a cup of coffee costing three times more than it should, and then spending some bucks in getting worthless things just for the heck of it.

And then of course the maal, from where this whole train started. “A sexy woman” or “hottie babe” as some sites literally translated. Derogatory and anti-feminist. All feminists are advised against reading this blog, to avoid what is almost blasphemy to them. But really they shouldn’t worry. All this no-bra-fad will prevent them from actually being labeled as maal, does anyone really like juggling balls except for jugglers (oops, faux pas).

I read this interesting question on Quora

“My boyfriend in Indian, from UP, and if he is with people he doesn’t know, he tells them that I am his ‘maal’. We have been together for 3 years. Does ‘maal’ mean girlfriend, is it ok to use, or do I need to beat him? 🙂 His English is quite good, but he never uses the word girlfriend…

I am learning Hindi but it takes time, so your thoughts are really helpful. (I am English).”

And one of the interesting responses was

“In fact “MAAL” was an indecent word used earlier, in those days even “SEXY” was indecent word and if any one uses this would be considered equal to rapist. Nowadays in hitech and modern society these words are quite normal and don’t stand the meaning what these earlier used to have. If the guy is good, these don’t matter…. in current fast forward culture.” (Took the liberty of correcting the grammar, but not the lingo)

BTW, the JMMT guy later modified his statement and said “ABMH” meaning अभी भी माल हैं, much to my satisfaction.

Which makes me wonder, when I was sixteen and two, I would have flipped my lid, if someone called me sexy, my middle class upbringing has strict objections to use of such words in public, would have literally felt abused. Today it doesn’t make a difference. Maybe because I am middle class plus, or just plain forty plus. Actually any plus size woman would probably be happy being labeled sexy or maal, yeah, I still have it in me to attract eyes. Is it my tolerance or my experience or my complex talking?

With my latest fad at creating jh-ictionary, I thought since the word could not really be understood without context, and only causes गोलमाल, we could make a different word for each context, so here is an attempt to add few new words, to avoid the confusion in the minds of neo-urban-but-desi folks.

So, to wit,

knormaal: /nor-maal/ Simple and normal goods or things (The k was just to confuse you)

dealmaal:/deel-maal/ a smuggler is a dealer who deals in maal, hence proved (stretch of imagination by far, readers are invited to provide better words)

maalnourish:/ has been explained before, the over-fed, obnoxious, nourished by maal, obese generation

narcomaal:/narco-mal/  narco grade maal that can blow you away and give you highs and lows.

Mall-a-maal:/mal-a-mal/ Mall of the maal. The over-priced, over hyped buildings housing stuff that you buy, don’t use for six months and then olx them away.

Desimaal:/deci-mal/ literally meaning you know exactly what), but she is sure to get confused, you can always explain she is petite and simple J. Trust me, she will go out on the date with you.