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BangaloreMirror

| FRIDAY, NOVEMBER 4, 2011

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Insurance fundas
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Can a student or a homemaker avail of insurance? A student cannot take insurance on his own. It must be done by the parents. A parent can take an endowment policy on the child. A homemaker can take insurance though conditions apply like, they cannot take term insurance or have an endowment policy more than the earning spouses policy. How much insurance is enough? It is considered prudent to put at least 10-15 per cent of gross annual income into insurance. Other savings can constitute another 10-15 per cent of the gross annual income. The ideal insurance amount for a single person would be the same percentage of the income though they can assign a larger percentage for ULIP and other such instruments if their income permits. Does insurance policy give any return? In India, one myth is that insurance is done for tax benefit only. But people forget to see if the policy has adequate coverage. The money gained should compensate any loss. For instance, life insurance should be income replacement. Another myth is that insurance policies do not give any returns. The money saved in a fixed deposit or post office will fetch an interest of about eight per cent, which is taxable. In case of insurance policies, any benefit or returns are tax free. Can one insure body parts? Anything with economic value can be insured pets, cattle come under this category. In India, companies do not offer indemnity insurance wherein a surgeon can insure his hands and so on. If Sachin Tendulkar has insured his hands or Lata Mangeshkar has insured her voice, these have been done through foreign insurance companies.

A taste of Punjab
Manu Prasad bmfeedback@indiatimes.com
DURGESH KUMAR Y

APPETISERS

daas Marathahalli version has its legion of fans, so when the building that used to house Desmonds in Koramangala started displaying a distinct green Adaa instead, it was quite a pleasant surprise. This happened early in September, but the story is much older. Adaa is part of the Atulya group of restaurants, and the group has another crowd favourite that opened way back in 1993 Treat which now has two more outlets in Bangalore. The original Adaa was displayed in Marathahalli more than four years back. Both Treat and Adaa focus on Punjabi cuisine, and the Koramangala outlet is no different. The dcor is indeed elegant, and mirrors and photos of erstwhile Punjab royalty go well with the comfortable seating arrangements and even manage to co-exist with the other glassy surface that displays royalty the television screen showing the Indian cricket team in T20 action. The only dissonance in this otherwise perfect ambience is the combination of Latino, Electronica and occasionally Trance music playing in the background.

ADAA

48, 4 B Cross, 5th Block, Koramangala Ph: 080 41103144 Food: Owner: Executive Chef: Alcohol: Price range: Parking: Wheelchair access: Service: Purely Punjabi khaana Pramod Chaudhry Pramod Chaudhry No Rs.900-1,000 for two. Street parking.

(Top) Bewazni Paneer, (above) Seekh Do Rukhi, (below, left to right) Mutton Rogan Josh, Tandoori Jhinga, Kulfi on a Stick and Malai Kofta

ENTRE

On cold, rainy Bangalore winter nights, the Murg Yakhini, made of chicken stock simmered overnight, and with a mild pepper flavour, is a good place to start the food journey. In case you require help in graduating on the spice scale, the Bukni Kebab can certainly help, with a powdered masala that has a dominant flavour of red chillies. When chicken and mutton meet up, you get the Seekh Do Rukhi, which, in addition to the two layers, also has its share of cheese, all of which make it a must-have. And so long as the Bewazni Paneer is around, the vegetarians have a champion fresh, fluffy and very soft paneer with a tangy and mildly spicy flavour, and a barely discernible ajwain presence. It made even my cold-hearted non-vegetarian resolve melt. The only disappointment in this stellar mix was the Tandoori Machhi, which was not only bland, but also seemed not-so-fresh.

Adaa continued its campaign to dissolve my pure non-veg preference with the superb Malai Kofta. A creamy gravy that spared no expense on the cashew flavour complemented the melt-in-the-mouth Kofta splendidly. The chicken struck back with Delhis own Murg Makhanwala, a thick, smooth, mildly spiced gravy that wowed everyone. The mutton made a valiant effort with the Rogan Josh, but despite the relatively thin, spicy gravy and tender mutton, it was just not in the same league. Mutton also tried to leverage its presence with the Keema Kaleji, which wasnt stingy on the quantity, and was only held back by the thin and slightly bland gravy. If you do want to try something different, Id recommend the Magaz, which is goats brain in a slightly spiced masala. The Murg Raada has quite a back story. It was apparently created in a dhaba near the Road Transport Authority in Old Delhi. Unfortunately, its watery and bland

AFTERS

gravy did not make it a very roadworthy companion in the gastronomic journey. The winner among the rotis was, predictably, the Kheema Kulcha. The Makki Di Roti, Methi Paratha and the Garlic Naan also did their complementary roles reasonably well. But the Chicken Biriyani was not really spectacular. It missed the fragrance that adds much to the dishs appeal, and though it wasnt greasy, it lacked the zesty masala its supposed to have.

No Helpful, friendly and prompt. Sound level: Moderate, though the music marches to a different beat from the restaurants theme. Ambience: Elegant and comfortable. Hours: Daily 12 pm 3.30 pm, 7 pm 11 pm Home delivery: Yes. Reservations: Its early days, so you would be able to get a seat without reservation.

BM VERDICT

7.5

10

Whats common to Phirni, Jalebi and Rabdi, other than that they are desserts that make your mouth water? Unavailability. The Kulfi on a Stick makes the pain bearable and was a fitting finale to a good meal. The Rasmalai was not far behind soft, spongy and not too sweet. The sugar kick was provided by the Gulab Jamoon, which also delivered a different kind of kick to the first person who took a large mouthful, thanks to its temperature! Make sure you ask for the Paan, which

they specially fly in from Delhi. Its different, really!

IN ALL

With the obvious attention paid to the food itself, Adaa does a good job. But the elegant ambience and the excellent service takes it up a few notches and makes it a great experience, despite the desserts non-availability.

Bangalore Mirror reviews anonymously and pays for meals

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