Heat the coconut oil and ghee together in a pan with a tight-fitting lid; add the cumin and mustard seed and sauté for 2 - 3 minutes over medium-low heat, or until you can smell them (don't let them burn); then add the dried rinsed rice. Sauté the rice until the edges are just beginning to turn translucent and the rice kernels are coated; about 3 minutes. Stir in the cumin powder and curry along with a nice pinch of salt, stir in the water and bring to a simmer. Cover and simmer over low heat until the water is absorbed, check after 15 minutes but more than likely it will be 20 minutes. Add your optional ingredient; if using the peas, allow them to sit on top of the rice in the covered pot for 3 minutes; then stir, fluff and serve.