Thursday, February 25, 2010

Unbirthday

This year’s birthday had a specialty. This was the first time in my life so far that I ‘celebrated’ my birthday abroad. India is kind of one day ahead of US. Astrologically, our birthday is connected to the day and date of our place of birth. But I decided to stick to US date and hence I got this chance to enjoy my first unbirthday.

Those who follow the tradition has one more day to celebrate. Because we (those who speak my mother tongue) have our own calendar and in that calendar what is more important is the ‘star’ and its ‘weightage’ than a specific date in that month. When I am writing this, I tried to remember my birthday according to our calendar and I realized that that particular data is now stored in a bad sector.

Just another day, but

Not just another day; coz

An unbirthday gift

Comes just another day

Friday, February 19, 2010

We are ...?

"....we are not our body, mind or emotions. We are divine souls on a wondrous journey. We came from God, live in God and are evolving into oneness with God. We are, in truth, the Truth we seek. Aum."

-Dancing with Siva

Monday, February 15, 2010

Build Credit Fast ??

“Since you don’t have credit in this country….”

The leasing office lady went on..

“We asked you to keep a deposit based on….”

Read a letter from AT & T, the telecom giant

Since I have a commerce background too, the term credit is in my blood. That is how it is with anybody who was/is into accounting. There is no accounting without debits and credits. But what is this credit they are talking about?

Back in India, people hardly knew that there exists a credit bureau in our country. I had no idea that having a ‘credit’ has this importance here in U.S. till I actually faced the realities.

Here in the U.S., having a good credit has a lot to do with lots of things. I happened to see some ads by some people and firms who offer service to improve our credit. And some people gave some tips on building the credit. But to what extend these are true and how long will it take to build a good credit score?

What is a credit score, by the way? This is a three digit number, ranging from 300 to 850, arrived after doing some statistical analysis on our credit report; where a credit report is a report that shows the history of our past borrowings, repayment etc. There are bodies called credit bureaus who prepare these credit reports. U.S has three major bodies – Equifax, Experian and TransUnion. These organizations collect the information using many sources and tag this to a person’s Social Security Number. Since they collect information from different sources at different time, these reports may not show same score on a particular day.

The statistical method they use was originally developed by Bill Fair and Earl Isaac who then found the FICO (Fair Isaac Corporation). Some say there are other methods too, which I am not sure of. In fact, who knows how the data is analyzed and what formula they apply? At least I don’t know.

So, what is the fast and easy way to build a good credit history if we are new to this country? People might give many suggestions and we might find many people offering their service in this regard, but the reality is there is no easy way. Ask anybody here and the first thing they say is:

“Pay your bills on time”

What are the bills then? Rent, electricity, telephone bills, credit card bills…

To pay rent, we need to get a house for rent and for that we need a credit history (rent can be paid by cash or money orders too. So, in reality, if I am not wrong, rent and utility payments are not directly tracked by major bureaus, unless it’s not getting reported to other agencies like PRBC.). If there is no house to live in, from where does the electricity bill come from? We won’t get a post-paid mobile connection if we do not have a good credit history or else we need to keep a decent deposit varying from 500-1000 dollars depending on the type of phone and plan. None of the credit bureau bothers about the prepaid phones and the top ups we make. So what bill to pay?

So, is it all over?

Look at the entry gates to U.S or the Visas types . Tourists do not need any credit history. Those who are on business Visa are not eligible for Social Security and hence they are ruled out. Then what are left are these H-1B (work permit) holders, long term visa holders and students. H-1B holders already have a sponsor. If somebody can afford education here, they sure can afford some deposits and many a times they might even have some contacts here. Long term people already have their colleagues here. And from this environment arises our savior in the form of a ‘co-signer’.

Getting a co-signer with excellent credit history helps us jump those hurdles with ease. So, it’s not a big deal to start with. Then what are those fast track credit building methods?. Many of them are scams. Look at one scenario. Somebody suggested going for loans and repaying it. If we do not have good credit, first of all, the rate of interest would be high. Taking multiple loans and keeping the EMI small and extending the term might help us create more bills and easy payments. But if somebody thinks we can fool them that way, they are wrong. What are the factors they (credit bureaus) consider while calculating the score? Look at the weightage:

35%- payment history
30%- total debt outstanding
15%- length of time you've had credit
10%- types of credit
10%- new credit

Plus, one major criterion is our income. If we have a big pay check, we build the history fast. There is no fooling around here. Many a times it takes about 90 days for these agencies to track and update our payment history. So, is there any faster way for a good credit, without blocking our money?

Nope.

When AT&T asked for deposit, I felt like insulted coz I never was a defaulter in my life so far. But I know they did not mean to insult and that’s why they sent a personal letter telling that they got my credit info from so and so bureau and I can write to them. It takes some time and it all depends on our income, expenditure and repayment. It is said that it might take 6 months to 1 year to build a good credit.

All we need to do is to understand that this is how it works in this country and have some patience.


Saturday, February 13, 2010

Work, Family and Frendz

"Imagine life as a game in which you are juggling some
five balls in the air. You name them - Work, Family, Health, Friends and
Spirit and you're keeping all of these in the Air.

You will soon understand that work is a rubber ball. If you
drop it, it will bounce back.

But the other four Balls - Family, Health, Friends and
Spirit - are made of glass. If you drop one of these; they
will be irrevocably scuffed, marked, nicked, damaged or even
shattered. They will never be the same. You must understand
that and strive for it."

- Bryan Dyson (CEO of Coca Cola)


Friday, February 12, 2010

Cafe

I happened to see this unfinished one:


In the Café with rain outside

He sat near the corner stall.

Waiting resulted in nothing

But he waited, just waited

The candle gave not just light

Hot tears fell down the eye.

Vacuity filled the memory chair*

And memories crammed the mind


(*Memory chair - a chair where somebody used to sit whenever he was in the cafe that brought him lots of old memories)

Now, when I read this, I have a different mood. So, what might have happened in the café?

I think the café guy changed the disc in his music player and there came this Michael Jackson song:


“Do you remember the time?

Wednesday, February 10, 2010

In Unison

This husband and wife were facing some issues with ‘getting along’. They never agreed on anything and hence one day they went to attend a talk on relationships. The speaker went on and on…

The husband thought: “Hope she got the message. I know the speaker meant her”

For once, surprisingly there was this unity and the wife too thought in the same direction !

Friday, February 05, 2010

Oscar the Cat ...the Enlightened Cat...

Oscar was born in 2005. I don’t know the day, date or month. I have no idea how he happened to be in an animal shelter though he was cute. He got adopted by Steere House Nursing and Rehabilitation Center in Rhode Island (U.S.) as a therapy cat (Cats are known for making people comfortable). He wasn’t that friendly as a therapist and he once even bit a doc. His mission is different, it seems.

When he became a member of that Hospital, he was six months old (There are more therapy cats in that Nursing home). He grew up in the third floor which has the Dementia department (Dementia is a disorder where a person (usually elderly) face problems to reason, think , remember etc. Has links to Alzheimer’s). Some of the staff members happen to notice something. Whenever a patient died, Oscar was in the room.

That was the turning point. And then Oscar got closely observed by the staff, may be especially by Dr.David Dosa (I assume so coz it was he who told the world about Oscar).

Like doctors, Oscar too goes for rounds in the hospital. He enters some room, jumps up to the bed where the patient is lying and sniffs the air. If he don’t find anything odd, he moves on to the next room. If he smell ‘something’, he stays with that patient and sometimes nuzzle the patient. Within a short while, the patient dies.

Not just one or two, but so far Oscar predicted 50 deaths with 100% accuracy. Once when he tried to enter a room, the room was closed and he waited outside for 25 minutes. These days, if the staff see him cuddle with any patient, they immediately inform the patient’s relatives and many a times, they come with a priest.

Sometimes the relatives may not like a cat sitting with the patient and in such case the staff will move the car out. But Oscar will wait outside the door strolling and saying lots of ‘Meaow meaow’ and goes back to his room once the soul leave the body. If he don’t smell any more death, he goes back to his desk.

Oscar


How do this cat do this? I read many theories by many doctors and people from scientific field including a stupid theory by a qualified doc that when somebody is about to die, he/she becomes immobile and the cat finds it and sits there so that it can sit there comfortably (not verbatim). I wonder how a doctor can make such a statement? But many others say that it can smell some hormone that gets released at the last moment.

But there was this incident. Once Oscar was sitting with a patient and all the relatives were there in the room (since the hospital ppl called them) and there was this grandchild of that dying patient too. The child asked

“What is that cat doing here?”

And the mother answered:

“He is here to help Grandma get to heaven”

Whatever it be, one thing is sure. As long as Oscar is there, nobody in that ward is going to die alone. And he sees off the soul with love and compassion.

Tuesday, February 02, 2010

The 8th Grade

(Written on Jan-31-2010)

I happened to check my own blog. There are less posts these days. For a moment I felt happy about it coz there passed many blogs through my mind during every sleepless nights, which were in plenty, and had I wrote them the next day, it could have resulted in kind of criticism type blogs about a BIG country in which I live now; not all of the blogs but many of them. But lack of sleep has this ability to wipe off those blogs from my mind rather quickly. If we do not get enough sleep, our brain will not function properly. There will be confusion, short term memory loss, fatigue, acidity and GERD (GastroEsophageal Reflex Disease) and so on…some latest studies say that prolonged insomniac nights could result in early death. Whatever…

I think that is a nice introduction for this blog coz it has nothing to do with what I am going to write. Sitting on this couch with slight back pain, upset stomach, tired eyes, mild headache, and aching toes I was thinking about my 8th grade. It took some time to get a visual of my class room. Once it came into my mind, I wondered why it took so long to remember it coz I do remember that class room.

When I joined this school as a 5th grade student, our division, the ‘I’ division, had no particular class room. We were split into many groups and were accommodated into other divisions. I had no idea why they just accommodate and did not absorb. But 8th grade ended this slavery and we got freedom. A separate division got created and we the ‘I’ division became ‘F’ division. May be 8th I division was English medium, I don’t remember now. We had both English and Malayalam medium divisions in our school and I was in the Malayalam medium. English medium was considered as something ‘above’ Malayalam medium. English medium had no representation from poor people (this does not mean that Malayalam medium was filled only with poor people). I think there wasn’t any extra fee for English medium or was there?

Who was my class teacher? Can’t remember.. it was either John Sir or Titus Sir. I still remember some of my 8th grade teachers, obviously by their nick name. Geography teacher was known as ‘Ambattan’ which means barber and Malayalam teacher was known as ‘Eruma’ which means buffalo. English teacher’s name can’t be written here coz it means something dirty (once I got a very niiiiice pinch from him for trying to imitate his signature).

None of us in that class can forget our Math teacher, Titus. He got transferred to this school that year and ours was his first class he taught. He was a terror. He always carried a cane. He beaten up the students and very soon there came some uproar against him. There came writings and graffiti against him on many walls on the school. Our school was well known for politics (major political parties have their student wings. Our class and school elections were just like president and prime minister Elections of the country. All contestants belonged to one or another political party ) and thus there were kind of rowdy students too in our school. I think Titus became a discussion among them and some of them even called him names, hiding here and there. (Later on, Titus sir left the school and joined a College as a Math lecturer. This wasn't coz of the anti-Titus movement but he always wanted to become a College teacher than a school teacher.)

Our new class room was already occupied by a boy who failed two times in a row (such students have to pay a fee for their next term). Happened to meet my 2nd grade best friend. There were only three students in my class who scored first class in 7th grade and promoted to 8th grade and I was one among them. There wasn’t any competition in my class. If Math wasn’t there as a subject, I would have been the topper all the time in that class, coz the other two always scored more marks than me in Math.

One thing about this school is that, once you pass out from here, you will have a clear idea about almost every filthy word in our mother tongue. This is coz every class had some kids who use abusive words liberally and once there was one ‘filthy word competition’ in our class, when there was no teacher for a period. The class divided into two groups for this purpose and each side had one lead person to shout the swear word and the rest hauled, whistled and made noise tapping on the desk. All of a sudden a teacher appeared and asked who did that (shouting dirty words). Though couple of students including me were against that ‘competition’, we did not name others coz it would have made our lives tough in that school. Some students managed to bring some porn book in the class and they always kept we, the so-called decent guys, at a par and we were warned to not to tell this to the teacher.

The English teacher assigned the work of checking the homework to three (or four?) students and I was one among them. We were selected based on the marks we scored for the first term examination. My old buddy was supposed to show his book to me and he took advantage of my friendship and many a times came without doing the home work. He never took me seriously. Once or twice I gave my book and asked him to blindly copy it into his book.

(went to bed early coz of headache)
(Feb- 1- 2010)

I started wearing full pants from 8th grade. There were only very few students who were still wearing shorts. That boy who failed twice and studying for the third time was wearing shorts (we had uniform. Black pants –half or full- and white shirt. And, on Wednesday we were allowed to wear color). He was a big boy and the reason seemed that he is poor and half pants cost less compared to full one. But he too started wearing full pants, later on; may be its coz he felt embarrassment since only 2-3 boys were wearing half pants and they were small (short) too.

I got befriended with couple of more boys. I was choosy as far as friendships were concerned. None of my friends used any filthy words while speaking to me. There was a gap between those students who do not study well and those who study well. I wasn’t a very studious boy, though I stood 2nd or 3rd in my class. I was attentive at class and used to do the home work. Other than that, I never had this habit of studying each day. If there was no home work, I didn’t study anything. There were moments where I came without finishing home work and then copying it from one of my friends (this boy (usually) never allowed others to copy from him. He stood first or second in the class and he never helped others during exams). I was one among the toppers because our class mostly had boys who do not study well. There wasn’t much competition and hence I never put an extra effort to improve myself.

I started participating in some Hindi language exams (every year till 10th…I passed all those exams with first class and I somehow lost all those certificates when I shifted my city after marriage) and that’s the end of my extracurricular activities. There were some other similar exams but I did not participate. Now I feel very disappointed about that because, I was good at science and I could have attended some science related stuff. Even our class teacher was not interested in sending his top students to any such exams. At home? Who cares about my studies? Mother never cared about what, how or when we study and father felt OK since I always scored a first class (60% or above). It looks like he had no idea about my potentials.

Usually, we used to play something during lunch break. But I don’t remember what I played when I was in 8th grade. But I remember one incident where one of my friends falling into a pit. It was fully covered with long grass and he accidently fell into it. Which was stupid, keeping a pit open in a boys school or playing somewhere which was not meant for playing? Anyway, he was my close friend and I helped him come out of it by pulling his hands. He had pain in his chest, looked like he felt some difficulty to breathe…

We were more active during ‘Sevana Vaaram’. Sevana Vaaram literally means ‘Service Week’. Every year, during/starting October 2nd, which was Mahathma Gandhi’s birthday, we used to celebrate Sevana Varam. That is, there won’t be any class for one week. But we have to come to school. All we had to do was cleaning the school, neighboring roads etc and some helping the poor and needy acts. The school arranged something to eat (steamed tapioca/cassava for example) and drink (usually black tea or coffee). We always enjoyed that week.

There weren’t any change in my home atmosphere, which never wasn’t great. My sister started attending college. The college was very near (just 5 minutes walk from our home). During the initial days she did not like the college and even cried since the medium of instruction was English. That time, I had no idea how it would be when all of a sudden our teachers teaching everything in English. My house owner’s wife, who was an illiterate that time, came to console my sister. Even now I can remember that moment. I can still see it in my mind (?, or whatever. I refer those dream kind of visuals what appear when we think of something).

In our native place we had this educational institutions called ‘Tutorials’ (and ‘Parallel college’ too) which provide tuitions, not for just one subject but for all subjects we learn at school (we had Malayalam I and II, English I and II, Hindi, Math, Drawing, Craft, (P.T.), History and Civics, Geography, Physics, Chemistry and Biology). By default, most of the middle class students (the upper middle class and rich prefer private lessons or one to one tuitions) used to attend one such place and so did I. It wasn’t the best known place for tuitions or teachers (there were such places too) but one which was closer to my home and run by some unemployed guys (who were friends). It was a mixed class and many a times I had butterflies in my stomach when some girls look at me. One of the boys used to wear the cleanest shirts to impress the girls. He was my school mate and if he came home with a dirty shirt (oh yes, we used to make it dirty), he used to wash it and dry it immediately using electric iron and wear it whenever there was evening classes.

There weren’t any boy-girl friendship in my tuition class. Most of the good girls hardly spoke to boys. I faced serious competition from three girls. Many a times I managed to stand with 2 of them in overall marks but never ever bet one girl (her name is Subha). She was very strong at Math. When I recollect those moments now, I realize that I never took any effort to compete with those girls.

Did I have a soft corner for one of those girls?