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A Second Income

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There is no real point to this post, just general / random musings 🙂

Being quite an independent minded kind of person, when it comes to making money, I always like to be in control of how much I earn. This can be very good, but if you are relying on your own efforts and you become lazy, you can fall flat on your face, err, as I found out…oops!

This is why I currently like the concept of having a job where your salary meets your basic living and lifestyle needs and the second income allows you to easily cover any one off expenses without getting in to debt or allows you to save some money – which far too many us don’t do!

I do believe that the days of staying with one job are well and truly over – we live in a much more fluid kind of business world. The older generation, the kids of the 50’s and 60’s, were always taught to find a good stable job with a large employer, keep your head down, work hard for 40 years or so and retire for a quiet life.

This was all very well when the large industrial companies were growing and trade unions had seemingly unlimited power to prevent any layoffs. It was also very well when society expected you to conform to certain rules and norms such as getting married in your early twenties, having 2.4 kids, buying your home, taking a single vacation per year etc. etc.

Nowadays things are a whole lot more flexible. Tying yourself down to one particular role or job could be damaging in the longer term because as soon as we hit uncertain times like we have now, the large company you sought out for stability doesn’t consider the personal impact when it cuts 5,000 jobs.

Society has also changed to a more self-centered one where we look to buy the latest gadgets, go on expensive foreign holidays, take weekend city breaks to various places on the continent, being less frugal with money, spending more and saving less.

Ever since I first started out on the internet, I believed that it could provide a good second income. At times it provided an incredible income to me.

However, I now think it’s more important than ever that people look to create a second income to build up a nestegg. Salaries barely cover our lifestyle choices so there is very little left over to save. A second income can help supplement any savings you might be able to make.

I personally run a couple of websites which have earned a small, regular income for the last 6 months or so. I spend less than an hour a week on them, yet they continue to make money on autopilot, allowing me to build up savings back in the UK.

Having the second income also means that when you are a bit more extravagant that you should have been (and some of us just can’t help but spend money when we get it), it is offset by your second income.

For example, yesterday I went shopping to buy a ‘smart’ collection of clothes for any work meetings and occasions. In total it came to £100, which is a bit crazy (I do live in India!), but included shoes, shirts and trousers. This is way more than my salary will allow me to spend, but my second income offset it because in the last week I earned £100 and didn’t work a single hour to make that money!

The second income has allowed me to make some investments back in England (albeit at shockingly bad interest rates) and enables me to be a bit extravagant now and then without putting the income from my salary under pressure.

The internet makes it possible for anyone to earn some additional money, but it needs to be approached with an open mind and with the right mindset. Some people, who are very close to me, could easily be earning $1,000 or more a week if they chose to make money for themselves, but instead their mindset believes that they should be working for a salary from a company – extremely frustrating for me when they have such a wealth of talent.

You should also be careful that generating money for your second income doesn’t end up taking more time than your actual job! Another area to be careful with is that you are not compromising your work position, if you are a logo designer and offer freelance logo design services this creates a conflict of interest that most companies will not accept!

Another point to consider is that you should probably be looking to supplement your income, not replace your income. Even if you are only able to generate $50 a week, that’s $2,600 from (hopefully) very little work, if you can save that, over the years it builds up savings that you wouldn’t otherwise have.

Important: Obviously if you do create a second income, you should be reporting this to your tax authorities. I have no idea how this works in other countries, but I fill out my tax return each year online! Don’t be cute and try to avoid taxes! In England the tax threshold is around £6,000 a year, which will be taken up by your salary (and, err, if it doesn’t, might want to pop down to the job centre!), but even if you earn less than this, you need to declare it!

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Indian IT Professionals Come Down To Earth With A Bump

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When I came to India in the first quarter of 2008, the economy was still pretty much in full swing as I set about building my team of superstars. As I interviewed candidate after candidate a few things started to irk me, such as their belief that by changing jobs it could net them a 100% to 300% pay rise.

There seemed to be a belief that pay was related to experience, not expertise. When an SEO analyst said they had 3 years of experience, it usually meant that they had been pressing CTRL-C CTRL-V for 3 years and never took it upon themselves to learn anything new. Yet because they had been copying and pasting for 3 years, they felt that they deserved 3 times the pay of a fresher.

Err, no, it doesn’t work like that.

Another peeve that I had was when I went through a resume and found a person had as many as 6 jobs in 4 years (I honestly kid you not!) and when pressed on this it was for ‘career growth’. It’s fairly normal to read a resume where a person has lasted 12 months or less in each company before moving on.

Here’s a top tip for y’all: An employer wants to see commitment from the candidate. Changing companies every 6 months sets off nuclear alarm bells that says this person isn’t worth an interview, by the time you’ve offered them a job, they’ve already applied to the next one.

My understanding of career growth is that you progress in seniority if you change jobs. Apparently not in India. When asked why they wanted to change jobs, invariably it was for ‘career growth’, when told that they would have the same designation as they’ve got now, this would rarely be a problem – so where’s the career growth?

The HR guys tell me that I got off lightly with candidates. Such was the need for programmers during the boom times, the candidates would play companies against each other and say “well company X is offering me 4 lakhs (400,000 to my uneducated friends!), how much can you offer me?” And an offer is made and they go to the next company and say “company X is offering 4 lakhs, company Y is offering 6 lakhs, how much do you want to pay me?” And so we had the situation where candidates were putting themselves up for auction.

Fortunately Agriya refused to partake in this, if any candidate tried to auction themselves, our (err, that is, Agriya) interest was immediately suspended.

So, what is the situation now?

It really brought it home to me how rough it is out there the other day when I was interviewing two candidates from the same company.

They had both come in looking for a job. The company they were working for had not paid any salaries for the last two months – yet the employees still went to work on the hope that they could get paid.

When it came to asking about expected salaries, we have turned a corner, there were no requests for 1.5x – 2x their current earnings, they reply came back meekly… “whatever the company wants”. Unfortunately the candidates, despite having four years “experience” didn’t have any more expertise than I would expect from a fresher who’s been at the company for 6 months.

Another top tip: Employers are looking for expertise and passion, not just experience! I read a great article today where a gaming company hired a real estate agent to help develop their new game because he was a passionate gamer and ‘modded’ dozens of games out of personal interest. Give me passion over experience anyday!

So, back on topic how hard is the global economy hitting India?

Well, of course it’s having an effect. The smaller IT companies are folding left right and centre (my writing is Americanized [note the ‘z’] now that the English spelling of ‘centre’ just looks plain wrong), the larger multi-national IT companies are shedding staff – up to 10% of the workforce in some cases, freezing their fresher intake programmes and in some cases imposing compulsory salary reductions as they look to adapt and survive.

One of my friends owns a consumer computer chain store throughout Chennai and he says it’s the toughest he’s seen it as the geeky IT crowd who make up the bulk of his clientele dries up.

Still, India has a very strong domestic economy – 1.1bn people still need to be fed, move from A-B, get clothed, socialize, have spectacularly over the top weddings, be entertained and live.

So while the West is mired in recession, shrinking economies and the looming face of deflation looking more and more likely, India’s annual growth forecast has been cut from 8% to a ‘paltry’ 5%. The West has sneezed, India has the sniffles, but it hasn’t caught the cold – yet.

India

India: Keeping it in the family

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There’s a nice saying in English which is: every day is a school day. It means that you learn something new each day.

This is exceptionally true when you are immersed in to a foreign culture.

However, today was a school, college and university day.

I was talking to a work colleague, as you do, and he happened to mention that a girl was betrothed (promised) to another man. This girl is about 22 so nothing wrong there (if you discount the fact that she may have had little say in the decision). My school day came when he went on to tell me that the man she had been promised to was her Uncle.

Not a close family friend that is called ‘Uncle’, but a real blood relative uncle. To be specific, her mother’s brother.

Naturally I thought this was a total wind up as India, particularly South India is such a conservative society with strict morals and ethics. Surely ‘keeping it in the family’ would be against every law and religious custom.

To my horror, I found out that this is real and happens often. Wikipedia describes it in more detail for those of you that want to go there. It’s perfectly accepted in the more rural parts of the country for the daughter to marry the mother’s brother.

Furthermore, when I brought up the subject with others, the general attitude was “yeah, what’s wrong with that?”.

It turns out, my maid, is also married to her uncle – her mother’s younger brother. She leads such an unhappy life because she refuses to ‘live’ with her husband. ‘Live’ was the choice of words used by my friend to explain that although she lived in the same house as her husband, she refused to consummate the marriage, much to the displeasure of her husband and the rest of the family.

Guest Blogs

Guest Blogging: The Lazy Man’s Solution

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Guest blogging is for lazy people who want to invite others to contribute to their blog. People get invited because they may have interesting things to say, be an authority voice on a particular subject or maybe it’s just a friendship and you think it’s cool to have others write on your otherwise very personal website.

To be asked to guest blog on someone elses site is a huge honour and should be approached with sincerity and maturity. Hmm. Just kidding. Being asked to guest blog is a pain in the ass as you try and come up with some witty content to prove how wonderful you are.

So, where is all of this leading? To a guest blog of course. I invited my friend Fay to say a few things on my blog and to show other people that there is more than one Brit living here in Chennai!

Now, without furtther ado, may I present your blogger for the day, Miss Fay Kaufhold…

When Pete asked me to write a guest blog, “about India – your view and opinion of it,” I’ve gotta say I balked. I started my own blog a few months back thinking that I’d be able to explore my views and opinions on India and life in general, but had such a hard time formulating my endless thoughts and opinions into words, that I’d only managed to rant at the peripheries.

“It’s easy” said Pete, “what you are doing here, why you came, what you think of it, what you miss.” I changed the subject back to his rather unpleasant mustache. Yes, Pete had a mustache – briefly. Ask him to show you the horrifying pictures!

So one of the first things I noticed in India was that about 60% of the male population has a mustache. A mustache seems to be a badge of masculinity. In Britain, mustaches belong to the Army-Major type, or to people whose self-image is stuck in their 70s youth, like my Dad. Any female Britisher knows that mustaches are Highly Unattractive. I take it as an indication of how Chennai has seeped into my skin, or dare I say, my bones, the fact that I now think men with mustaches can be attractive. Can.

Roight (as we say in Suffolk, for I am from Saarffuk, in the UK), what am I doing in Chennai? Well, as an actress from the last century, Ethel Barrymore, once said: “You must learn day by day, year by year, to broaden your horizon. The more things you love, the more you are interested in, the more you enjoy, the more you are indignant about, the more you have left when anything happens.”

I really value learning things, about life, humanity, whatever, and I’ve found that the occasions when I have learnt the most are when I have taken an opportunity that seems pretty daunting.

So I was presented with the pretty daunting opportunity of moving to Chennai and beginning my working life in the education/IT sector after completing a rather dreary maths degree, and I took it up. I have now worked for HeyMath, creating interactive Primary-level maths lessons among other things, for 17 months. And in that time I haven’t set foot back in the UK, or even off Indian soil.

I really love it here. I find it very fulfilling to live in a country full of people who often have different values to those I was exposed to growing up. You only have to read Indian papers for a week to realise that the golden BBC impartiality is absolute rubbish. The views and opinions expressed by the BBC and other UK media are very very British and really do not reflect some common value held by all humanity, as they like to think.

I arrived in Chennai not long after returning to the UK from Havana, where I’d spent 6 weeks soaking up some wonderful Latin-American socialism, enjoying Cuban culture and attempting to learn Spanish. I sat on the plane to Chennai wondering what on Earth I was doing going to socially-conservative Chennai.

I spent my first few hours in Chennai slightly over-whelmed by the noise, smells and my inability to cross the road.

I spent my first few weeks wondering how I was meant to cope without being able to meet my friends down the pub in the evenings.

I spent my first few months craving cheese and other things that I cannot even recall now.

But I loved every second! Or at least the majority of seconds.

There are plenty more things I could say about my experience of life in Chennai, but I’ll finish here with something about friendships. I think the good stuff of life is getting to know people, without that, I’d be very bored and unhappy.

In India, I have found getting to know people to be in some ways very easy and very hard. Very easy because people are generally very friendly and open to other people. Very hard because life is so very family-centric and regular social time with friends outside of the context of family is not really the done thing, or rather, it is for some, but not all. Also, people make prejudiced assumptions about you based on the fact that you are a Western woman. This may make people more likely to seek out, or shy away from, friendship with you. It has taken a while for me to adapt to how friendships are formed here and how I can progress them. It’s been a challenge, but a very worthwhile, wonderful one.

Finally:

I love Chennai! My home.

You can follow Fay’s blog here, it’s 10 million times more intellectual than mine, and you might even learn a thing or two about the politics of Chennai (rather than how bad the tuk tuk drivers are that I so frequently focus my wrath upon).

And I never had a mustache.

Humour India

How to spot an Indian

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I came across this list on my travels around the internet. Is it true? Speak to your Indian friends 🙂

————

We Indians are easy to identify!

We are like this only So true, lets start the list

1. Everything you eat is savored in garlic, onion and tomatoes.

2. You try and reuse gift wrappers, gift boxes, and of course aluminum foil.

3. You are Always standing next to the two largest size suitcases at the Airport.

4. You arrive one or two hours late to a party – and think it’s normal.

5. You peel the stamps off letters that the Postal Service missed to stamp.

6. You recycle Wedding Gifts , Birthday Gifts and Anniversary Gifts.

7. You name your children in rhythms (example, Sita & Gita, Ram & Shyam, Kamini & Shamini.)

8. All your children have pet names, which sound nowhere close to their real names.

9. You take Indian snacks anywhere it says “No Food Allowed”

10. You talk for an hour at the front door when leaving someone’s house.

11. You load up the family car with as many people as possible.

12. You use plastic to cover anything new in your house whether it’s the remote control, VCR, carpet or new couch.

13. Your parents tell you not to care what your friends think, but they won’t let you do certain things because of what the other “Uncles and Aunties” will think.

14. You buy and display crockery, which is never used, as it is for special occasions, which never happen!!

15. You have a vinyl tablecloth on your kitchen table.

16. You use grocery bags to hold garbage.

17. You keep leftover food in your fridge in as many numbers of bowls as possible.

18. Your kitchen shelf is full of jars, varieties of bowls and plastic utensils (may of which you got free with purchase of other stuff)

19. You carry a stash of your own food whenever you travel (and travel means any car ride longer than 15 minutes).

20. You own a rice cooker and a pressure cooker.

21. You fight over who pays the dinner bill.

22. You live with your parents and you are 40 years old.

23. You don’t use measuring cups when cooking.

24. You never learnt how to stand in a queue.

25. You can only travel if there are 5 persons at least to see you off or receive you whether you are traveling by bus, train or plane.

26. You only make long distance calls after 11 p.m.

27. If you don’t live at home, when your parents call, they ask if you’ve eaten, even if it’s midnight.

28. You call an older person you never met before Uncle or Aunty.

29. When your parents meet strangers and talk for a few minutes, you suddenly discover you’re talking to a distant cousin.

30. Your parents don’t realize phone connections to foreign countries have improved in the last two decades, and still scream at the top of their lungs when making foreign calls.

31. You have bed sheets on your sofas so as to keep them from getting dirty.

32. It’s embarrassing if your wedding has less than 700 people.

33. All your Tupperware is stained with food color.

34. You have drinking glasses made of steel.

35. You have mastered the art of bargaining in shopping.

36. You have really enjoyed reading this mail, and want to forward it to as many Indians as possible!

Personal

No Kissing Please… We’re British!

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I love being an expat, I love working in a different country, and most importantly I love being in a place where you don’t have to wonder what the weather will be like – it’s always shorts and t-shirt weather. It’s always lovely and hot. Give me blazing sun over winter blues anyday.

I’d say 95% of the time I love being in India. The other 5% of the time I’m trying to bargain with theives Auto drivers.

One of the best things about being an expat is the sheer variety of people you get to meet, from all over the world. I have my little clique, as everyone does, and yes, it’s full of Brits with the occasional American to mix things up. (I’m sure my Scottish friend will take exception to being called a Brit though!).

Today, for example, I was playing football at the American International School (the private, $20,000 / year school for foreign kids) and there must have been at least 10 different nationalities. We even had a guy from Burma! Burma I tell you! I didn’t think they were allowed out of their country.

So all this schmoozing and hobnobbing with foreigners (I’m British, we’re not foreign, regardless of which country we’re in; they all speak our language [tongue is in cheek here and not meant to be taken seriously!]) brings up a problematic dilemma.

That of the social kiss.

To a Brit, personal space is everything, an acceptable form of greeting is to extend your right hand and have a firm handshake. Applies to guys and girls. If you are very close to the person (and they are of the opposite sex!) a light hug may be acceptable, if it’s initiated by the girl (note to guys; don’t initiate the hug, let it come to you. Could cause all kinds of problems otherwise).

So, I now have to navigate this social kissing minefield with foreigners from all over the world (and we are talking just the females here, don’t get any funny ideas). Honestly, for the poor British, who are perfectly happy with the formal handshake, social kissing is enough to give you cold sweats and shivers down your back.

I mean, do you go right cheek then left cheek? Or the other way round? Do you making a kissing noise? Do you just plant one kiss? Do you kiss the air or the cheek? Should you initiate the embrace? What if she leans in and you don’t realise and leave her hanging? Some people do three kisses, how are you to know? What if you accidently kiss on the lips?

Gah. This kissing problem is something you don’t consider when you move abroad. Consider yourself told, if you are thinking of moving abroad and not confident with your social kissing, you could be outcast and ostracized from the expat community. “Did you hear about Jeff? Monique went to greet him and he actually kissed her!”

And to Anita, if you are reading this, I’m really sorry! We don’t understand social kissing!

India

Well, I’m Back In India

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There is a saying that you will know when you are in India because something totally out of the ordinary or random will happen – something will happen that probably wouldn’t happen anywhere else.

So, I got off the plane after a pleasant 9.5 hour flight (err…) and looked out for my driver Aravind who was there to pick me up.

This is when the first thing happened.

I was involved in a car accident.

Regular readers to my blog (and since Christmas, I discovered that it could be more than just myself and my Mum) would know that Indian driving is more like bumper cars than following strict rules. Dents within your car body work is shown off with pride. Broken arms obtained in a bike crash is something that seems to be aspired to.

So, we got in to the car, the engine was switched on and we reversed out of the parking space.

Into the mini bus that was parked behind us.

One of the great things about driving in India is that if you are involved in a crash, you don’t have to mess around with insurance details and stuff. Just bump in to people, apologise (maybe pay a small bribe if the police saw it) and carry on.

So, what next?

I got back to the apartment, went to switch on the A/C (it is 25 degrees here after all) and it made a big old grinding noise. I went outside to take a look and a pigeon had decided to build a nest in the A/C unit. Further investigation revealed that it wasn’t just a nest, it was going to become a family home with two little eggs there.

Later on that morning (about 10am), the maid called round. I answered the door, let her in and went back to sleep. Dreaming sweet dreams, I hadn’t the slightest clue what was about to happen next.

The maid was standing next to my bed calling my name. In a daze I opened my eyes and was confronted with the pigeon from the night before.

The maid had decided to pick up the pigeon, come in to my room and show it to me.

Believe me, being woken up by a pigeon in your face isn’t half as exciting as it sounds.

Now, just to drive home the fact that I am now back in India, this morning (Sunday), the maid called again. This time with her younger sister who was all decked out in her best sari and all her gold jewllery.

Thinking that she had mis-understood my reaction from the pigeon incident, it actually turned out that she wanted me to take photos of her sister so they could send them off for marriage proposals.

So here’s something you probably didn’t know about me: in my spare time I’m a pre-wedding photographer!

We went on to the roof of the apartment and I started giving instructions, (you’re a gazelle, a tiger, a lioness, give me a flick of the hair, now hold it…good!). Then it was back to the apartment for Meena (the maid) to review and choose the suitable photos. There had to be a front shot, a back shot and a close up of the face.

But there was a problem. Meena’s sister has dark skin and that’s totally not OK when it comes to the Indian marriage market. I played around with some filters on the computer to change the colours and lighten everything until Meena gave her approval.

I’ve now got to somehow print out all these photos 🙂

Just another weekend in India!

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Foreigners Leaving India…

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I thought I’d better write this as a little public service announcement for any Foreigners who are living and working in India for more than 6 months.

As you are aware, you have to register with the FRRO in your city. This is fine (albeit, ensure you have an office boy on hand to run back to the office to fetch the papers that were not mentioned in the original checklist).

What they don’t tell you is the procedure for leaving India. If you have been in India for over 6 months and attempt to leave, they will not allow you to do so if you haven’t registered at the FRRO. I personally know at least 3 people who this has happened to in the last 12 months – no messing around, you have to register!

Another little gem that they forget to mention is that you must take your FRRO registration certificate with you. It has to be the original one with the original stamp on it – photocopies are not acceptable.

I didn’t know this information when I left in December, but luckily I still had my FRRO registration certificate in my bag from earlier that day.

When you are at Chennai airport, you are likely to see a couple of foreigners who didn’t know this information, and they’ll be f-ing and jeffing, but the authorities still won’t let you board the plane.

So remember, register with the FRRO as soon as you get to India, and make sure your FRRO certificate is with you when you try and leave.

Personal

Well, Bring On 2009

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So that’s the end of 2008. Did it bring you good fortune? Did it bring you laughter and tears? Did you make new friends, and lose touch with old ones?

For me (well, this blog is about me), 2008 has probably been my best year, possibly ever. I’ve got a great new job, live in a fantastic (and random) country and hooked up with loads of cool people and doing something that probably 99% of people would ever have the courage or inclination to do.

There’s no way I want to get to the age of 80 and look back and say “I wished I had…”

Such a lot has happened, and I’ve learned so much. I’m really looking forward to 2009.

Do people still make new years resolutions? I’m going to tempt fate and list some out here…

      1. Learn Tamil. I really want to learn the local lingo. I’m going to buy CD or course – books on Amazon have very bad ratings, so will have to hunt it out
      2. Give people proper and indepth feedback at work
      3. Keep a physical work diary to become more organized
      4. Drink less – ha ha! Only kidding!
      5. Earn more money from my little websites

A friend suggested that I write a poem for my first blog entry of 2009, but since I’m not that creative, I decided to post my favourite, and the worlds cheesiest poem instead. It’s extra mature cheddar cheese with an additional cheesy topping!

IF you can keep your head when all about you
Are losing theirs and blaming it on you,
If you can trust yourself when all men doubt you,
But make allowance for their doubting too;
If you can wait and not be tired by waiting,
Or being lied about, don’t deal in lies,
Or being hated, don’t give way to hating,
And yet don’t look too good, nor talk too wise:

If you can dream – and not make dreams your master;
If you can think – and not make thoughts your aim;
If you can meet with Triumph and Disaster
And treat those two impostors just the same;
If you can bear to hear the truth you’ve spoken
Twisted by knaves to make a trap for fools,
Or watch the things you gave your life to, broken,
And stoop and build ’em up with worn-out tools:

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breathe a word about your loss;
If you can force your heart and nerve and sinew
To serve your turn long after they are gone,
And so hold on when there is nothing in you
Except the Will which says to them: ‘Hold on!’

If you can talk with crowds and keep your virtue,
‘ Or walk with Kings – nor lose the common touch,
if neither foes nor loving friends can hurt you,
If all men count with you, but none too much;
If you can fill the unforgiving minute
With sixty seconds’ worth of distance run,
Yours is the Earth and everything that’s in it,
And – which is more – you’ll be a Man, my son!