Following article comparison lifestyle in Bharat and U.s., cost of living, and solar day-to-day things is written by Rashmi – Posted a comment to Real Reason I'm Going to Us : To Exist Treated Like a Human Being.

Maybe Attitude

I have to thank HSB for starting this thread. One affair is for sure is that this word brings out the varied mindset of Indian youth. There is show of strong love for India equally well every bit strong hatred. I promise there will be changes in attitude/idea of some people participating in the word here and it gives me stiff motivation to thank HSB and spend fourth dimension hither.

I will bring in some real life incidents to ponder over. All of the following examples are nigh friends/acquaintances/relatives and I will have intendance to keep the description anonymous.

Case 1: Purchasing Flat in India

When I bought a apartment in Gurgaon in 2005 (of course on loan with some dollar savings as downwards payment), it was kind of group bargain to get a better bargain from the builder and several of my team mates booked flats on the same apartment.

1 of my close teammates refrained from booking, I tried to persuade him, saying that this is s good investment, property prices are going upward, you will have tax benefits, go for it. He said, no I will have another 2yr trip and then have enough savings to buy on greenbacks, no loans.

He stayed dorsum in US with H1 and got married, had kids. After 6yrs, in 2011 when we talked, I asked did you purchase a flat in Gurgaon, he said no, the 3BHK flats at the aforementioned place are at present INR 1.5crores and I only have 50L of savings (dollar money).

Instead of thinking of saving in dollars, you should call back "smart" investment and ROI. Staying in US with family (if spouse is non working) may not save you plenty money as you have to travel to India every yr, pay car loans, rents etc. If spouse is working y'all earn plenty in India besides.

Case 2: Education

There are numerous instances of people deciding to come dorsum for kid instruction purposes.

Higher instruction like MS/PhD are very adept in Us but non main education. Also the instruction is pretty costly to manage.

Case iii: Nanny for Childcare

I know a guy who was very excited near US and its lifestyle. Later spousal relationship, when the couple were expecting their baby, they wanted someone from their family in India to travel and accept care of the lady during pregnancy and after kid birth.

Unfortunately, no 1 could travel as anybody had other family obligations. They offered to help merely if the lady comes to stay with their family in India. They had to do that, because affording a nanny/bay sitter in US is damn expensive.

Case 4:  Outsourcing and Racism

This guy lost his job just after marriage in US. Unfortunately he had a long stretch of wait before he landed on another job(most a yr), I helped him financially through that lean catamenia. This was during 2009.

There are other examples of things going wrong in US. Like attacks by African-Americans in downtown area, racism at work place, deep nether current of hatred for Indians because of fright of outsourcing. And so, its not all rosy in US. Everything in life comes as package, there will be positives and negatives. It is important to empathize what one wants and 1 has to be responsible about decisions.

Life in Every bit Good in India

I think life is every bit good in India these days. Allow me give examples,

  • In 2004, I could book flying/train tickets on net in US. I used to think US is amend since I can't do this in Republic of india. Now we can do so in India.
  • In 2004 I could pay my bills on cyberspace in United states of america, buy stuff from dealstobuy etc. At present nosotros tin do the same in India. These days I buy books from Amazon/Junglee, buy trade, discounts in restaurants etc from snapdeal.
  • In 2004 I could pay by credit cards every where in U.s.. At present I can do the same in Republic of india.
  • In 2004, multiplexes were in that location in India, but non big malls. These days they are everywhere.
    McDonald, Domino etc.
  • I pay phone bills, net bills, taxes, electricity bills, bank transactions, everything on internet, I practise not see a divergence between US and Bharat.

Now lets talk near some of the things from price and affordability perspective.

  • Cars are cheaper in United states. Refurbished cars are in good status in US.
  • Laptop/LED/LCD etc electronics are cheaper and latest in Usa. Just these days I find accessories like USB bulldoze, HDD and cameras cheap in India than U.s.. Samsung Galaxy South-II got launched in Asia first and 2months later in U.s.. iPhone 4S is launched everywhere at same time. Some technologies are used in US outset, but that gap has apace come downwards due to advice revolution.
  • Eating out is hygienic, y'all practise not fall sick. I see improvement in Bharat but no where close to Us still.
  • Human labour is damn expensive in U.s.a., you tin't afford a driver/maid etc. I have 2 maids, I do not do household piece of work, I call up time is better spent in acquiring knowledge, in gym and with family unit than sweating out doing vacuum, mopping and cooking. People may say its non much work in Usa, but information technology gets increasingly difficult one time you have kids.
  • Educational activity is very expensive in United states of america. In India if you are skillful plenty to crack an archway and get into a govt engg higher, you lot pay less than 5 times than in US.
  • High taxes (forty%) in The states. In Bharat y'all have a lot of investment options to relieve tax. In India it is below 25%.
  • Mobile tariff is expensive in U.s.a.. In India I apply postpaid mobile, STD in 50paisa all over India, ISD is Rs 1.5 for North America, and local calls 30paisa, 3G cyberspace Rs 100 a calendar month. No United states of america tariff can beat that.
  • Utilities – Monthly charges for netflix/cable/satellite tv etc are expensive in U.s.. In India, INR 300 a calendar month , all channels
  • Broadband tariff is cheaper in India. I pay Rs 800 for unlimited 2mbps. If you accept a 3G dongle, you pay Rs 750 for 2mbps and you can utilize that nigh everywhere. In US, 3G/4G dongles are very expensive.
  • Public transport. Very lilliputian in US. You lot gotta accept your own car. Delhi metro is very advanced, though crowded. But same is truthful in Toronto, Japan and New York.
  • Public Infrastructure. The states wins hands downward. No statement here.
  • Govt/Public processes/system similar acquiring passports, driving licenses etc. I got my driving license (electronic ane) in 2weeks with Rs 275 in 2006. I had to go to the RTO part 4 times, first time to become the forms and learn the process, second time to deposit them with supporting documents, third time for driving test and quaternary fourth dimension for getting the DL. My experience was this, I faced harassment of demand of bribe, standing in the row was painful considering there was no shade across a point. I worked effectually the hurdles past remaining determined on the process and non paying ransom, complained to a higher RTO officer, refusing to have the offer from the brokers.
  • Things are in transition, yous gotta have some patience. I have an observation to make hither. Indians are ok to stand in long queues in Usa, but they are not prepare to stand in queues in India, I exercise not know why then impatient in India. I had better experience while obtaining nascence certificate for my girl. Filled the form on internet and just collected the certificate at the counter by paying cash.
  • Crowd: I agree the oversupply in India is not that civilized. Civilized ways assuasive elders, ladies, handicapped people to become ahead of you lot in queues or vacating a seat for them, being sensitive to other people in society, treating them courteously etc. In United states of america, crowd is much improve (expected since more educated people are there), but I accept seen them express mirth/become irritated when Asian people behave desperately in queues etc. My betoken is if you allow an Indian ahead of you in a queue, practise so with total respect, not with a sarcastic smile. In Bharat, the bad behavior people face in hospitals, govt offices etc are because of this crowd behavior.
  • Medical facilities are better, merely very expensive. Medical insurance is expensive. High end surgeries and treatment are cheap in Bharat.
  • Indian family civilization and value system – India wins this 1 hands downward. In US, society is very formal. You may say Hi to a guy on elevator for 10yrs and still know nothing nearly him.
  • In India the support system is very stiff. Your kid is taken intendance of even if both you and your spouse work. Later y'all get quondam, any money you may have, merely y'all tin not buy the affection and care of your blood relations. You lot tin only get that by relationship building. Make that investment when you lot are immature. You WILL need help to even do modest household chores when you are one-time. Nosotros help our parents/1000 parents/elder relatives here in India, our kids picket and learn this culture. If your kids grow up in The states, they will prefer US civilisation. As Prasad said, you will exist alone when you get sometime.
  • US is not growing. I do non see a difference in a New York 5yrs back and now. Just you run into large difference in Gurgaon. The salaries accept not increased in US in concluding 10yrs. In Bharat it has gone upwardly significantly. There are always jobs in India, in US it is not so.
  • Higher education: Information technology is ameliorate in United states of america. Thats why we are here is not it ? Simply this is irresolute slowly. Universities in India have started investing more in research and eminent profs are coming back. Though the number is still very low. I accept a point of view here. Things have changed in last few years. You practise not need a Dronacharya to become an Arjuna these days. If you know how to use google and cyberspace, its all you lot need for knowledge.
  • The reason why I am on this blog is the perception. In Republic of india, if y'all are foreign educated (be it from some Tom/Dick/Harry college), people give you respect. Thats the slave attitude the british have left us with. That is the reason probably, why people go so obsessed with Usa lifestyle. The white skin effect. Then it is strategic to have a The states didactics if possible.

What About Money and Savings

At present lets talk coin.

Be it Usa, India or anywhere in this world.

A "job" mentality tin can not make you lot intermission the financial barrier.

Being "financially stable" and "financially contained" are 2 different things.

  • Financially stable means you lot have comfy life but yous have to work for that everyday.
  • Financially independent ways yous nonetheless live a comfortable lifestyle even if you do not piece of work i.due east by having self-generating assets.

With a task, the maximum you will have in life is 2-3 houses, cars, LED TV etc.

To actually make a difference and break the bulwark (condign financially independent), yous gotta remember business. Otherwise, information technology inappreciably matters whether you are in Us, China, Japan or India.

******

Very good insights about lifestyle in India and Usa. There are few things I disagree and lot of things to which I concord.

Medical Expenses

Medical facilities are ameliorate, but very expensive. Medical insurance is expensive. High finish surgeries and treatment are cheap in India.

Hold – Wellness Care in Expensive and Insurance in Expensive. Indian its cheap.

Hither is my view. To get quality care in Republic of india, you demand to pay. Poor people tin can't beget to go to Acme Hospitals in India.  But in United states of america, even you don't have an insurance, in instance of emergency, you get the same quality and care equally anyone else.

Child Care and Nanny

Child Care in Expensive.  If both parents are working, so they have to let the new-born in twenty-four hour period care when mom starts working.

Its Indian Culture or Tradition to take their parents come to help when new baby is built-in.

We had our son and our parents came here to help.

Our American Neighbor had babe effectually the same time, their parents came couple of 24-hour interval afterward baby was born, they were here only for couple of days. then its was mom, dad and new born.

Pretty much that's what happens with new parents in USA. They don't take parents staying with them for 3 to half-dozen months.

Taxes

You have aforementioned investment options in USA to get Tax Breaks. You can max out your 401(k) and IRA. In addition, if you are a home owner, yous get Mortgage Interest payments as tax deductions. If Both parents are working, then chile care expenses are deductible.

I don't know what taxation dedication are available in India, but there are options to lower your income revenue enhancement in USA.

Money and Income

Being "financially stable" and "financially contained" are two unlike things.

At present very many people understand the difference. Unfortunately in India, parents desire their kids to go to Medical School or Engineering science.

You don't run into them encourage kids to think in terms of an Entrepreneur.

For anyone who wants to be Financially Contained, fifty-fifty in USA, working for an employer is not going to get you there, unless you are in Top Direction position with Millions in Bonus.

If both husband and married woman works loftier paying jobs 100,000 to 150,000 then you can look to relieve 1 Million Dollars when you retire.

With Single Income, say $100,00 to $150,000 yous will all the same have ameliorate savings, but yous have to live pay check to pay check.  It takes long time to save coin, paydonw your home loan and thinks several times before buying whatsoever product.

Financially Independent

It's easy to say, yous have to outset a concern, but its difficult work. If you are really serious about being financially Independent, y'all need to change your mindset first.

You lot are trained all your life to become a job and lead a safety life. Risk takings is not part of course work. Even i y'all have a simple idea, it could change the world.

Facebook Paid $1 Billion for Instagram. Information technology was unproblematic idea, but the founder fabricated $400 million just for having an idea and developing an product.

Trust me, information technology will change your thinking.

If yous don't have any idea on how to outset a business, here is an awesome idea for you – Start Blogging.

Finally, I have to highlight this comment from Existent Reason I'thou Going to USA : To Exist Treated Like a Human Existence

When y'all have people like Ramkumar who writes

The whole upshot pisses me off! Y'all do not take the correct to comment on what India is or would be until and unless you take not made any contribution to its betterment. Y'all buggers are a parasite. You take imbibed all at that place essential education, right from plant nursery to engineering, in this mother land so you fart on her face past pursuing your higher pedagogy abroad and settle out in that location. If  y'all buggers are really concerned, why don't you do your bit and attempt something which could alleviate the sufferings of all? Doing a function time chore while studying hither is considered a sin and of low esteem, but you buggers readily lick the asses of americans in that location by doing all odd jobs for some bucks more than!! Even I'g an Engineer, infact a topper from a very reputed college in India and I'one thousand settled in Republic of india without any hitch or itch. It is because of y'all buggers is that this country is still poor!

Certainly such mental attitude and exposure shows they are happy to be "financially stable".

What I nevertheless don't empathise is the aforementioned person is working (by and large in It Services firm) and have been to USA (by and large to client site).

So, it's not ok for some one to come to Usa for higher education  and work part-fourth dimension, while same person tin work for American Client and feed his family unit and earn coin, travel to USA for chore. If he's  thinks folks like u.s.a. are parasites, I'one thousand not sure what should we call him?

Ultimate Goal of these 3 blog posts is to create awareness of things that happen in U.s.a. and Bharat. If someone is non matured enough to empathise and larn how earth is different place,  there is cipher I tin do about that. Even if you don't hold to others views, take this 1 unmarried message – Globe is a Unlike place, things don't happen the fashion you like.

  • I'm Fascinated About Living in U.s.a., but What About My Parents?
  • Real Reason I'1000 Going to United states of america : To Exist Treated Like a Homo Existence

Every bit Arun Says

All the 120+ comments posted here are by those who desire to go to US or want to settle in that location. What bloody work you had to come to this blog. Why the heck accept you subscribed to HSB if you lot love India so much, and you are being so over-patriotic? All the guys who posted negative comments or anti-HSB comments are dreaming of The states (either work or study or work for some time and return). They don't want to accept ground reality.

Guys, grow upward. Be sensible. There is nothing wrong to learn from other country. Be information technology United states or France or whatever. There is no shame in admitting that Bharat is a developing state. Lets experience other country'southward culture and system and learn from information technology. All those guys who posted negative comments have serious EGO problem. They refuse to have ground realities.

Moreover, its not a debate about about which country is greater. It's well-nigh experiencing cultures. Its well-nigh experiencing the departure. The world is a global playground. Our designs are done in India, validated in U.s.a., manufactured in China, delivered in Brazil and serviced in Czech republic.

All the anti HSB fans, stop following this blog and go practice your patriotism stuff.

Rest of us would give a +i to this postal service and bear witness the center finger to all those who don't agree and carry on.

I thought this postal service would inspire a lot of people and give them a new dimension in their thinking. You simply carry on with your skillful work and don't bother about these idiots. They are not eligible to experience this great land.

I'yard not going to end posting articles similar this only because you don't hold to my views or others views about Republic of india and U.s.a.A.

I'grand sharing and posting the realities and realty bites. But, its matter of views and preferences and changing world views. As much as I love India, similar to see her grow and become a adult state.

People are unique and I would have had same reaction if I was in College and never came to U.s.. Only, life experience and exposure to new civilization bring out dissimilar perspective in life. Bharat is changing, people are changing. It's the culture and attitudes that is thousands of years old. Information technology will take  years to change.

Your Thoughts

Hopefully nosotros volition accept more civilized discussion this time around.  Don't forget to share this post in Facebook, Google+ and Twitter.