This post is intended only for the readers who are not familiar with the terms commonly used with respect to people from India living abroad. Others can scroll down to other posts and more interesting material. Continue reading
“It is a wise man who lives with money in the bank, it is a fool who dies that way.” ~ French Proverb
The NRI Bank account is one of the features of Indian banking system that is quite useful for Indians living abroad or traveling all over the world. For those who have one leg in India and the other abroad – especially with banking needs on both sides of the ocean – the NRI account can be a handy tool. Some of the key benefits include:
Convenience: NRI account provides access to the banking system depending upon the local and foreign needs. It allows quick transfer of funds and exchange of currencies.
Time Saving: It gives easy access to your funds. You don’t need to run to a Union bank or call a friend in the middle of the night for a favor.
Diversification: Many of us, who have been scared by the banking system melt-down in Europe or North America, this is one more way to diversify the savings or bank accounts. Continue reading
The line at the grocery store was long, but moving quickly. The whole process of check-out seemed quite robotic, like an assembly line – the customer stepping up with the items to purchase, the clerk scanning the items, the customers sliding the credit card through the card reader, signing the digital pad, collecting the items along with the receipt, and leaving. The clerk, his name-tag confirming his ethnicity of India, was quick and efficient at his job.
At my turn, I stepped forward and followed the same sequence. As my grocery items got scanned and bagged in no time. I slid my American-Express through the card-reader, getting ready to leave as soon as the clerk would hand me the receipt.
No receipt. Instead, out of nowhere, the clerk politely interrupted the flow of the line, “Sir, can I see your card and an ID?” Continue reading
NRI Tips: The habits that hinder our adaptation abroad
“Nobody can go back and start a new beginning, but anyone can start today and make a new ending.” ~ Maria Robinson
Migration from India to a foreign land is often considered a grueling process, probably one of the hardest thing ever for a new NRI; right?
Not really, it is just the start . Once we get to our new destination abroad, -USA or Canada or England…- the things are not as we imagined. As mentioned before in NRIs and India diaspora – the key challenges abroad!’, the most difficult part is adjusting to the new society, the new culture; and then building a career that matches our professional background and education.
Why is it that so many of Indians find it so hard to adjust abroad? Even after years, we feel strangers in the land that is dubbed a ‘melting pot’ of multi-culture society.
One of the key reasons for our failure to adjust, even after years, is the isolation from the American society and western culture; our inability to adapt to the local language and norms. Many of us find it hard to carry on a real conversation with locals; the conversation that involves local slang and local style.
Here are some of the main reasons that hinder a desi immigrant from being a ‘Roman while in Rome’; the key habits that won’t let us adapt to overseas’ life: Continue reading
As she has planted, so does she harvest; such is the field of karma.~Sri Guru Granth Sahib, The Holi Book of Sikh Religion
Me and my karma often talk to each other. Well actually, I do most of the talking. And, I hope and wish that my karma listens to my one way communications, at least once in a while!
‘The karma has a mysterious way of responding’, so I was are taught. I have never been able to figure out how it works. Our karma is the result of our actions – good or bad; but when, where and how will you see those results is a not a planned outcome, as far as I can tell from my own experience!
To solve these mysteries of my karma, I have tried some out-of-the-box ideas for a long time. I even once befriended a Punjabi dude with the same name – Karma. However, I found out that my karma had nothing to do with my new friend, so we have drifted apart since. Now and then, I still get calls from him, some times in the middle of the night, due to time difference between Jalandhar and Chicago. He mostly calls me to ask for more money; “it will ‘clean’ my karma and make it better”, he says. I tried it a few times a while back, but I did not win any lottery; nor did it help me with any other stuff that would prove this ‘karma cleaning’!
Since I came to USA, I have realized that my overseas karma is no sharper or better than what it was back in India. Everybody used to tell me, “Going to America is a sign of good kismat and good karma”. So, I thought my good karma would follow the glory of my new NRI status. However, I am not-so-happy to report that the whole thing, – this going to America – may be a bit over-hyped. My karma has been quite sluggish, especially during the first few years of my farang experiences. Just like most of the new-comers, I have had my share of overseas hurdles and challenges.. Continue reading
A choice between comfort of overseas and home country
“No matter under what circumstances you leave it, home does not cease to be home. No matter how you lived there-well or poorly.” ~ Joseph Brodsky
Non Resident Indians (NRIs), the expatriates from India are scattered all over the globe. They are living a prosperous life, at least so it seems. These NRIs are happily settled in these adopted countries, but often frequent their homeland – India, to visit their friends, families and the memories they have left behind. In most of the cases, the NRIs are citizens or permanent residents of these countries; however, they consider India as their true home.
Most of these overseas Indians or NRIs are well settled in the new country. The new culture, the new life and the new comforts have created a strong bond to the new land. Majority of these NRIs help their loved ones to migrate as well; so the whole family unit ends up living abroad.
Even though the ties with the past remain; the family, – especially the younger generation - has a strong attachment to the Western lifestyle. This is the natural influence of local culture and social settings; the natural effect of the long term exposure to the western society. Continue reading
“Watch your thoughts, for they become words.
Watch your words, for they become actions.
Watch your actions, for they become habits.
Watch your habits, for they become character.
Watch your character, for it becomes your destiny.” ~ Unknown
‘As you sow, so shall you reap.’
‘The present is nothing but a result of our own past actions.’
‘Our present and future is affected by the cause and effects of our past.’…
All this is karma, the reflection or effects of our own doings from the past. Over time, we are expected to be punished or negated for the bad deeds, and rewarded for the good ones. The concept of Karma is the basis of world equilibrium, a way of balancing the universe. The inequalities are related to the constructive or destructive actions of human beings.
As we all know, a person’s true identity is not based on his words but his actions. In very basic terms, someone with good intentions and clear conscious living a noble life is expected to have good karma. Any incident that adversely affects our life is blamed on bad karma – the result of destructive or ‘bad’ deeds from the past.
Of course, this is simplification, but our karma can be directly related to our conscience.A person with clear conscience always thinks twice before doing something hurtful or bad. He/she often sticks to a positive outlook and prefers ‘right’ actions, instead of the ‘wrong’ ones. The conscience provides us the ability to distinguish between right and wrong. The karma eventually rewards him/her for all the beneficent or ‘right’ actions. On the contrary, someone without a conscience would be more inclined to be selfish and sinful, less thoughtful while taking advantage of a situation with no regard for others’ welfare. Those actions eventually catch up with us, and the karma is bound to punish sooner or later for ‘bad’ or ‘wrong’ deeds. Continue reading
With realistic stories and settings, Bollywood gaining new fans overseas
Bollywood-the Bombay (Mumbai) movie industry- is one of the biggest film production location in the world. There is no shortage of all-time-classic stories, romance or melodrama in the long history of Indian movies. It is not new that many of the Bollywood movies are churned out with English themes in varying tones; some of the major trends over many decades have been:
1. Indian movies with Indian stars in western settings, with a clear cut bias against western society; as in ‘Purab Aur Paschim’.
2. Patriotic movies linked to Indian freedom movement against British rule; such as ‘Kranti’ and ‘Lagaan’.
3. Movies based in a western country or a western society with local social and cultural issues; like in ‘Bollywood Hollywood’ and ‘The Guru’. Continue reading
Indian work ethics are worth preserving and imitating
When it rains it pours. Only yesterday, the economy was flourishing in America. Everybody was spending away – buying bigger houses, bigger cars and probably bigger shoes. After all, you need extra room for the bigger ego!
There is a common saying in India that roughly translates to, ‘Size up your sheet before stretching your legs’; it basically means that you should spend within your means.
The American affluence over last many decades ended up creating complacency amongst many, leading to carelessness; many got used to spending beyond their means. And whenever there was a need for money, there was always a bank ready to lend; if nothing worked, the second mortgage was easy to get even when you did not qualify! The home equity line-of-credit was right there for the taking. Things were very rosy.
However, just as a basic law of physics and our mortal existence, everything comes to an end. With time, the tides turned and balance started to shift; a downturn in economy exposed the loopholes in the complacent financial system. The rest is a history: the banks could not recover the loans from the careless borrowers; the falling house prices put a lid on borrowing against the houses…. The mighty capitalist infrastructure, that stood number one in the world, came under the direct assault from capitalism itself. The problem could have been easily averted if everybody had stick to the basic common sense -‘Size up your sheet before stretching your legs!’
The first generation immigrants from India are often negatively stereotyped for their frugality, hard-work and for being too conservative. The fact is that these traits are a commonsense for survival in the new land. Many Indians migrate with only a few items in their possession, with a few bucks in their pockets. The qualities to preserve, work hard and to tread carefully are part of the basic defense mechanism against all odds that they have to put-up with in the beginning. Continue reading
NRI Tips: The unconscious bias and the depth of racial issues abroad
There is no dispute that America is one of the richest countries where entrepreneurial spirit strives for excellence; freedom of speech is respected and encouraged. Every work place preaches and teaches diversity. However, in spite of all the progress, the American society as a whole continue to struggle with racial discrimination and racial biases.
Many have undertaken the noble task of investigating and researching racism and race relations in America. I outlined a few very basic aspects of it in a previous article ‘ABC of race relation in America’. Some of the interesting studies of modern days blame this human behavior of discrimination on ‘unconscious bias’. The studies point to the fact that the racial bias is linked to our subconscious behavior where we discriminate, unknowingly to a large extent, even when we don’t mean it.
So it is not your fault entirely, it is the brain of yours that is messing with you! Continue reading
NRI Tips: Race relations of American society for a newcomer
Most of us leave India and go abroad for work or education. There is an ever-growing line of Indians going overseas to find utopia – looking for the land of their dreams. Going abroad is considered the best stroke of luck; every pundit will tell you that your stars are aligned perfectly for a great future overseas!
However, those pundits may not know everything about your stars or your future. Some may have warned you about the challenges abroad before, but it is hard to believe anything negative about the land of riches with so many promises; many Bollywood movies are witness to the prosperity abroad !
The reality is that living overseas is very different from living in India- your own homeland. The overseas society and the culture provide an eye-opening experience for the new immigrants.
India is a multi-cultural society, people with different languages and customs living in a diverse setting; but they all come from the same race for most of the part. American society, on the other hand, not only has different religions and languages, but also different races. The white majority is followed by rest of the minorities- blacks, Hispanics, Indians, Asians and so on. Even though this multi-race society seems to mingle well at work and in many of the social situations, the racial biases can be seen and encountered on a daily basis. Continue reading
NRIs Abroad – An unfulfilled promise to go back to India
“So when are you coming back?” is a common question that everyone asks when you are getting ready to leave India to go abroad. Some ask it because they want to know your answer; others ask it because this is the common question for the time of departure. Without thinking for a second, the answer always is, “I shall be back soon, back for good in a few years.”
This is how the departure is justified; confirming that it is temporary, confirming that he or she will be back. This is not out of nowhere, the response is generally based on a promise that every NRI makes, the promise to go back home one day. This is not my promise or your promise, this is a promise that most of us make to ourselves when leaving India. This is the promise that makes the circumstances of family separation tolerable. Continue reading