GaramChai.com, Indian Yellow Pages in the US. Online Marketing to the Indian American community
With over 60 percent of Indian Americans holding a college degree and the majority in the workforce, marketers are starting to drool over the potential of this ethnic segment. We aim to provide everything Indians living in the United States
may need to maintain their lifestyle outside of India. This site
is a complete resource listing of 400 temples, 500 restaurants,
500 bazaars and online shops. Other listings include jewelers, wedding
specialists, theaters, beauty salons, Mosques and Gurudwaras. To
view a complete index of our offerings tailored to the needs of
Asians, Indians, NRIs Pakistanis,
Sri Lankan and other South Asians and
others in the US, Canada and North America. A number of business and media streams are already successful in targeting this market segment:
- India Bazaars, boutiques and grocery shops: Hundreds of shops in all the major cities in the US cater to this market. A few large wholesalers successfully manage a complex supply chain of ethnic groceries, vegetables and commodities ranging from Coconut oil to cumin seeds.
- Indian Restaurants: Most major cities can boast of at least a few Indian restaurants. Even though Indian restaurants in the US are not as ubiquitous as they are in the UK where every street corner has one, they are in sufficient numbers to cater to local palate.
- Hindu Temples, Mosques, Churches, Gurudwaras, Jain Temples and cultural centers: Over the years, several temples, gurudwaras, Indian churches and cultural centers across the country have sprung up, catering to the religious and social needs of the ethnic communities. Interestingly, even in places with smaller populations of Indians, informal bhajan groups and congregations provide a sense of ?community.?
- Indian newspapers, magazines and publications: A number of Indian newspapers and magazines are successfully published and circulated in the US.
- Electronic media: Saying that Indians in the US have taken to the web like ducks to water would be an understatement. A number of Web-portals, e-mailing lists, and groups already provide extensive coverage to this segment.
- Entertainment industry: Cable channels and movie screeners provide extensive choices to this target audience. Bollywood also drools over the size of the American distribution segment as a major source of revenue.
- NRI Services: Details on Services for Non Resident Indians
Book Review: Dancing to the Flute: A Novel
||The author, Manisha Amin, takes a well-worn theme - village bumpkin makes it big and tries to look for his roots - and crafts a highly readable novel.
The novel is set in contemporary rural India, or what the author imagines it to be. The main protagonist, Kalu, discovers his passion for music, and more importantly his "gift" is discovered by a Vaid who happens to be traveling through the village, and who happens to have a highly gifted but reclusive brother whom the Vaid thinks can use a shishya. And so Kalu finds his "guru" who nurtures his musical talent. The constant references to Indian music and Raag hold the story together with a common thread, perhaps intended to educate the readers of the intricacies of Indian classical music.
Though theme of the story is a bit predictable, with just a little suspense and a few twists and turns, the narrative is descriptive writing is captivating.
A great fictional debut by a Non-Resident-Indian author (Review by Sujatha, also on Amazon)
“Delicate, sometimes meditative and rich with allusions to India’s spirit as expressed through music, the novel offers readers color and culture, poverty and riches, through every sensory perception. A lyrical meditation on love, friendship and finding bliss in destiny." (Kirkus Reviews)
"A novel whose joys are to be found in a slow, sensory build-up." (Booklist)
“Amin weaves a lovely and subtle tale of music’s power and magic, using elements of traditional raag forms as the basis for the novel’s structure. Though primarily an uplifting tale, one in which Kalu makes for a charismatic protagonist despite himself, Amin provides an oft-unseen glimpse of the realities of life in contemporary rural India." (Publishers Weekly)
About the Author Manisha Jolie Amin was born in Kenya to Indian parents. Though her family immigrated to Australia when she was a young girl, she grew up listening to her mother tell her and her sister mythical tales about India while her father played the Indian flute. Today, she lives in Sydney, Australia.
Link to read rest of the blog // Book on Amazon.com
Article: New Tax Legislation in India to Help NRIs
The government (of India) has brought in a modification in the tax structure in the budget to make the participation of Non-resident Indians, or NRIs, obligatory in the economic progress of India.
The government also said that with the new foreign investment regulations the economy would regain and sustain GDP growth rates of about 9 per cent in the fiscal 2010-11.
The government said it was time to hasten policy reforms in areas that include taxation and foreign investment regulations. Finance minister Pranab Mukherjee in his budget address to parliament said there was an urgent need to consider reforms to address a number of cross-border tax issues faced by taxpayers.
He said the government also wanted to make the policy in this regard user-friendly by consolidating all prior regulations and guidelines into one comprehensive document. This, he said, would enhance clarity and predictability of the country’s Foreign Direct Investment policy for foreign investors. “We have decided to give due consideration to reforming the international tax system in the budget,” he said.
It is believed that for long the Indian outbound investors faced difficulty in claiming credits for foreign taxes. Tax treaties provide a general rule that taxes paid by an NRI abroad, in accordance with treaty provisions, should be eligible for foreign tax credits, or FTC. Explicit rules for applying this principle are left to the domestic tax legislation.
The government admitted that in the absence of any specific provisions in the tax laws, a number of technical and practical issues arise and, henceforth, the lack of a well-defined FTC system results in risk of double taxation on income arising from the outbound investment. The Vijay Mathur Committee on Non-resident Taxation had highlighted the need for introducing comprehensive FTC guidelines in 2003.
The committee had also proposed underlying tax credit provisions and had said that by introducing these provisions an impetus to outbound investments can be provided. Mukherjee announced to provide considerable relief to income tax payers by raising the slabs at two levels; this includes the Indian citizens as well as the NRIs. To encourage NRIs to place their money with banks in India, the government sought lowering of the Tax Deducted at Source, or TDS, rate on interest earned on NRI deposits under section 115E to 10 per cent from 20 per cent. The TDS rate applicable on NRI deposits with a foreign bank which is currently at 30 per cent is also being brought on par with that for Indian banks.
Also as a data sharing initiative on the terror prevention measures, the government is already co-ordinating with many foreign countries, including the UAE, to collect the income data of its citizens. The NRIs will have to submit the proof of the income in the form of tax fillings etc, if any, as per the rules in their host nation.
The existing limit of Rs100,000 on tax saving has been raised by an additional amount of Rs20,000 for investment in long term infrastructure bonds as notified by the government. Contributions to the Central Government Health Scheme have also been allowed as deductions within the overall ceiling for tax rebate, besides contributions to health insurance schemes which are currently allowed as deductions under the Income Tax Act.
The basic threshold limit for income tax exemption will remain at Rs160,000. Under the new proposal, 10 per cent tax will be levied between Rs160,001 and Rs500,000; 20 per cent on incomes between Rs500,001 and Rs800,000 and 30 per cent for above Rs800,000.
Mukherjee said that rate of tax on services will be retained at 10 per cent to pave the way forward for Goods and Services Tax, or GST. He added that all services are not being brought under service tax at this stage but announced that certain services hitherto untaxed would be brought within the purview of service tax levy.
The finance minister said the service tax net is being expanded to include domestic and international air journeys of all classes, health check-up undertaken by hospitals for employees of business entities and health services provided under health insurance schemes offered by insurance companies. The new proposal relating to service taxes are estimated to result in a new revenue gain of $650 million.
The finance minister said that certain legislative changes are proposed to be made to plug revenue leakages and to remove distortions.
Mukherjee said that the rate reduction in central excise duties is being partially rolled back and the standard rate on all non-petroleum products was being enhanced from 8 per cent to 10 per cent ad valorem. The ad valorem component of excise duty on large cars, multi-utility vehicles and sports-utility vehicles which was reduced as part of the first stimulus package is being increased by 2 per cent points to 22 per cent. The basic duty of 5 per cent on crude petroleum, 7.5 per cent on diesel and petrol and 10 per cent on other refined products has also been restored.
Central excise duty on petrol and diesel has been enhanced by Rupee One per litre each. Some structural changes in the excise duty on cigarettes, cigars and cigarillos have been made coupled with some increase in rates. Excise duty on all non-smoking tobaccos has been enhanced.
Ravi S. Jha . Published in Khaleej Times
Internet Matrimony - Dos and Donts -
By: Mrs Gayathri Sanyal (Marriage Consultant) for IndianMillionaireMarriages
Marriage is one of the most important decisions of your
life. Be wary of matrimonial sites.
1) Marriage is a sensitive, personal and private matter.
Don't let any mass market matrimonial websites commoditize
you as a product on a catalogue
2) Don't get carried away by sites that claim they have
millions of members. It is immaterial to you. Multiple
choices are only an illusion. You are unique and there
is only one match and you can marry only one.
3) Don't get carried away by success stories they claim
on their sites. It is irrelevant to you and you cannot
validate their authenticity
4) Don't let automatic software matchmaker programs
spam your mailbox. It will distract you and keep you
single for years. Remember - most mass market matrimonial
sites desire that you remain single so that they can
get renewed subscriptions.
5) Don't start exchanging pictures from the beginning
however beautiful or handsome you may be. You spoil
your chances of finding a good match due to a focus
on too superficial parameters. You will end up with
the wrong person
6) Establish Trust. Furnish the facts of who you are
in tangible terms so you are not a virtual identity.
There is nothing wrong in sharing a traditional biodata
instead of being abstract.
A generic profile says - I am a doctor. A specific profile
says - I graduated from G.S Medical in 2000 with Ist
class and practice as a pediatrician in Mumbai
7) Exchange each other's pictures if you feel that basic
background is compatible. Don't plaster your picture
on websites. You are demeaning your identity from a
multi dimensional personality to a static, one dimensional
image. You attract or repel someone based on your personality
and not your picture.
8) Don't correspond with multiple profiles simultaneously.
You will not be able to do justice.
9) Don't use Video/ SMS alert or Messenger services
to exchange initial information. SMS shows how abrupt
and irresponsible you are with the most important chapter
of your life.
10) Instant Messenger invites parallel processing with
multiple people and leads to no outcome. Use it only
after you have exchanged basic info and would like to
pursue a relationship with someone but have geographic
11) Don't copy other people's profiles just to make
the profile look fancy. Be yourself.
12) Don't just walk away but RUN from websites that
offer multiple distracting popup windows when you are
searching for your partner
13) Don't use websites which offer you the false ego
boost of Declining someone. It is rude, immature and
Dos : KYS Know Your Self
List your strengths and weaknesses
2) List down your key achievements in life
3) List down what you will offer the marriage
4) List down what you value in her/him and what she/he
5) List down your personal and professional future plans
6) List down what you can compromise on in terms of
location, financial status, food habits, religion, mother
tongue, field of work and the likes
7) List down what you cannot compromise on - "must
Take initiative in communication when you find someone
9) Introduce yourself with a traditional biodata
10) Share the KYS with the person across
11) Request for a KYS discussion from the other person
12) Be prompt, patient and mature
13) Be Realistic in your expectations.
rest of the feature
GaramChai.com and other information
websites like Sulekha, Search India and others attract advertisers
by providing listings, events, chat and discussions, Garamchai.com
aims to be the most extensive information directory with a
simple but elegant user interface. GaramChai.com is a complete
resource listing of hundreds of temples, restaurants online
shops, grocers and bazaars. Other listings include jewelers,
wedding specialists, theaters, beauty salons, mehndi services,
places of worship including Temples, Mosques, Churches and
Gurudwaras. With the large amounts of information, the site
is well organized dividing most listings into state categories.
Sending comments or suggestions is simple with a form that
is provided on the site or by emailing us [Replace _at_ with
section of GaramChai.com will attempt to address some of the
Frequently Asked Questions on Life in the US and Canada that
immigrants, visitors and others from different cultures attempt