“Welcome to the USA!”

Chitra and I left Mumbai for Cincinnati on March 4, 2004 and have lived in the US since then. We started fresh in the city of the ‘Flying Pig’ – Cincinnati (Cincy) – blessed with wonderful friends, who lovingly introduced us to the American culture and traditions. In the gloom and unprecedented events of 2020, we finally became US Citizens, which was the only bright milestone for the year. Cincinnati, Procter & Gamble (P&G) and kind friends helped us setting our foundation and living this American dream. Sharing a few reflections from the early times of this journey.

Learning the American Accent or Not

In early 2004, we went in for our H1 (work) and H4 (dependent) visa interview. We were among hundreds who waited in long lines, our documents organized and ready for submission. In front of us stood an Indian teenager applying for his student visa. His father had accompanied him for support and assistance (only till the entrance of the embassy building). All through our time in the queue, we overheard him speak to his dad and occasionally to us. All of us were nervous and a sense of uncertainty loomed in the air. Once inside the embassy building, we noticed that kid again, at a distance, waiting for his interview turn. He was visibly nervous and had his hands clasped, head bowed low, as if in in prayer. We got busy with our interview process and later, walked out of the embassy in relief. The embassy officer had retained our passports, which meant they had approved our visa. While we were buying bottled water from a stall outside the embassy, someone spoke to both of us in perfect American accent ” How are you guys doing?”. He rolled his r’s perfectly in an American accent and now had an exaggerated swagger. It took us a few seconds to place the voice and the face. It was the same kid, now with a sparkle in his eye and new confidence in his demeanor. He was also headed to the US and was already speaking with his new accent. In the roughly 60 to 90 minutes since we had last seen him, he had changed into this cool American Indian kid! We still think of that and have a good laugh. In this matter, we are both quite slow – it has been 17 years in the US and we are yet to give up our “native” accent.

“Welcome to the USA!”

We arrived in Cincinnati/Northern Kentucky International Airport (CVG) on March 4, 2004. There was to be one more screening before entering the US, with the US Border Agents who screen all international passengers. You always heard and read stories about people getting sent back because the border agent officer was not convinced by the visa holders case. So, after the ~20 hours journey, once again, we entered a zone of uncertainty. They examined my visa and supporting documents first. I remember being asked a few questions and then it was Chitra’s turn. The officer asked her a couple of very basic questions, stamped her passport and commented “It wasn’t as bad as you had imagined, right!!?? Welcome to the USA and enjoy your stay”. Chitra had a big smile on her face – that was her first interaction with an American in the US. I have to admit people in general are very polite and welcoming with her. I wonder why…hmm? 🙂

Second Honeymoon Ends

My employer, Tata Interactive Systems (TIS), was relocating me to Cincinnati to manage our new partnership with Procter & Gamble (P&G). My manager, Nikhil Puri, prepared me for the assignment and was very clear about how long the gig will last. “Suresh, this is for 6 months and then you come back”. I had shared this with Chitra and we were both quite excited about it. We had mentally prepared ourselves for this 6 month assignment – it would be our second, extended honeymoon! I had taken an Executive Rental apartment (Garfield Tower Apartments), which was a few blocks from the P&G headquarters. This apartment was very well stocked with everything we could need, from cutlery to well designed furniture, even a house keeping service. 75% of my salary was going towards the rent and we were really living a lavish “second honeymoon”. We hosted several dinner parties at home with some of my clients and friends. Our guests were impressed with our apartment and thought well of TIS for taking good care of me, the expat from India! My 6 month tenure was coming to a close and while talking to Nikhil, it became clear that they wanted me to extend it by 6 more months. We had zero savings at this time and I negotiated a 12 month plan. Then came the tough choice of moving from our executive apartment to an unfurnished apartment in the same building. We were now in an empty apartment and had to set it up from scratch. The purchasing guidelines were simple; cheap, good looking and sturdy. During this time, my client sponsor’s wife, Brenda, was visiting Cincinnati downtown and requested to meet. I vividly remember getting back from work to find Brenda very delicately seated on our new dining chair. She looked uncomfortable and I can only imagine, must have had many, many questions buzzing through her mind. The TIS expat had moved to this bare walled apartment with zero frills. If she had asked me, I would have said “honeymoon period is over and reality has set in”!

Our First Dinner Invite in the US

Penny and Dick are two of the kindest people we know. Chitra started volunteering at Dress For Success (a non-profit) and developed a strong friendship with Penny. We were invited to dinner and this was our first visit to an American household. They lived in Asbury, Anderson Township which was ~25 minute drive from our apartment. We did not own a car back then, so Dick very graciously offered to pick and drop us back. They had invited us at 4 PM and we assumed it would be fun to talk and walk around their 4 acre plot. In our minds, we would have dinner at some point later in the evening. We were totally surprised when they announced dinner had been served at 4 PM. Indians are known to eat a late lunch and an even later dinner. We had had our lunch around 2 PM so I was quite shocked to be seated for a steak dinner so soon. I truly enjoy my meat and I had a strong sense of disappointment for not being hungry enough for such a special meal. We politely let them know about about our late lunch and they were kind enough to pack our dinner to take home for us. We had begun to view America through their home and family. We were also beginning to break many stereotypes in our minds about the American culture and the way of life here. Since our first dinner invite, we have spent many dinners, luncheons, movie outings, Christmas and Thanksgiving with them. Penny and Dick, if you ever read this, our interaction with you made us feel at home, loved & accepted and also helped us integrate better with America. Thank you and we love you.

Procter & Gamble (P&G) Set A Strong Foundation for My Corporate America Journey

Working for P&G as my first American client was a blessing. I worked with the best in the industry when it came to global business processes, innovative thinking, people maturity and program communication protocols. I have to call out Eric Brocious, who was my client sponsor then, and the brain behind the partnership with TIS. He mentored me and walked me through every step of the learning curve. There are many moments from those years which are memorable (some funny, too), however I would like to highlight a an episode of failure. We were working on a global learning program, developing modules for new hires across the world for P&G. This program – P&G’s Success Drivers – had high leadership visibility and more importantly, many senior executives who directly provided content for many of the modules. During the content creation phase we hit bad turbulence and it took us long to correct course. The delayed correction was in-part because of our my team’s quality control process and partly because of the delays we faced in getting these senior executives to provide their material in the correct structure. We got summoned to a meeting by Keith Lawrence, one of the key sponsors for the global program. Eric, Kim McGraw (Global Talent, Learning & Development Manager) and I were participating as one team. I was, however, representing the supplier team (TIS) and got roasted in the session. Honestly, had the meeting gone on a bit longer, tears would have rolled down my eyes. The meeting got over, we all stepped out and Eric told me to take the rest of the day off. The next day, I remember meeting Eric and he coached me not to take this failure personally. “What was stated was not directed at you but rather, at everyone in the room”. Although, for me, Eric and Kim getting lectured for the poor quality on my team’s deliverable was a personal failure. It took me a few days to recover and we did manage to land that program successfully. Eric was not my direct manager, he was a client, however, his people management and leadership skills are something I hope to have walked away with. Eric and I continue to be good friends and did I mention, big fans of Skyline Chilli (5 way!).

Exposure Outside Cincinnati & P&G’s Cosmopolitan Bubble

Penny was a professor at Thomas More University (Northern Kentucky) and she had invited us (Chitra and me) to guest lecture the Executive MBA students on ‘Cultural Diversity and It’s Impact on Work Life’. The objective was for both of us to share from our personal experiences how Culture Impacts Work Life in the US and in India. These were 30-45 minute sessions and it also gave us a glimpse into American life outside the Cincinnati + P&G bubble. It was interesting to hear the type of questions being asked and to observe how our answers were being received. Many of the students attending the program had never stepped beyond the borders of Kentucky. In one session, we were asked if India was a Monarchy. This came as a surprise to us because CNN was running an advertisement campaign on air where their anchors were answering questions emphasizing CNN’s global reach. One such question in the campaign was “Which is the world’s largest democracy?” to which Anderson Cooper would answer “India”. We were once asked “what was one aspect that impressed us most about America?” We were not prepared for this question, but replied unhesitatingly and in tandem, “The public library system”! The students looked back at us almost in disappointment. Coming from India, the large, well stocked, friendly Public Libraries in the US were a marvel for us – it was a very honest answer. We undertook ~5 such sessions and in every interaction we would learn something new. I have to say that living in Cincinnati and working in P&G was a cosmopolitan bubble that is rare and we were lucky to experience it.

Chitra with Mary (to Chitra’s right) and her yoga friends

Finding Her Passion, Yoga!

Moving with me to the US was a big step for Chitra. She was going to be on a dependent visa and would not be eligible to work. We had both done our MBAs together, she was the second individual in our batch of 1996-98 to get campus recruited with a company that was her dream workplace – Shoppers’ Stop (the first corporate retail chain in India). She had always been sure about her decisions and goals. When I was offered the P&G role, she was once again sure about leaving behind her career and joining me on our “second honeymoon”. So, after the initial high of being in a new country, she wanted to get busy and my client Bea Davis directed her to Dress For Success (DFS). DFS’ vision is to provide assistance to women in need with appropriate clothing to interview for a job, and also provide a stable, safe and caring environment as they reclaim their lives. DFS’ Cincy office was walkable from our apartment and she began volunteering with them. Soon, she had a small circle of good friends and was in a happy place outside home. When we moved to a larger apartment in Mount Lookout, she ended up walking into Delta 1018 Fitness Center. That led her to meeting her first yoga teacher, Mary Kemper. Little did she know, that it was the start of her Yoga journey. Mary introduced Chitra to all her students saying, “This is Chitra from India and she has never done Yoga before”!! Yes, it is a shame that back when we were in India, Yoga did not get the respect it deserved (I know it has changed since then). I personally thought Yoga was for senior citizens, a slow moving activity that I did not want to be associated with yet. Since 2005, Chitra has been blessed with gifted teachers who have inspired and encouraged her. Today, she continues diving deeper in her practice and is a certified Yoga teacher. It gives her joy and balance. For that, we both say “Thank you, Mary”!

“Listen People, Suresh Jogs!”

Among the many people I interacted with in P&G, Deb Lowell is a name I can’t forget. We did not work on a project, neither were we close friends. We ended up working in the same work bay and got to interact as office colleagues. She was curious to learn about my experiences and would often pull my leg over my choice of words. She was a firecracker with a great sense of humor. We were once talking about our routine after work and I said, “I jog in the evenings”. She asked me to repeat what I had said, which I easily did. She then proceeded to stand up from her chair and announced loudly “Listen people, Suresh “jogs” in the evenings!”. I don’t remember if anyone paid attention to what she had announced, but she later explained to me that I should be “running” and not “jogging”. Growing up in India, going for a ‘jog’ or ‘jogging’ was part of my vocabulary. More importantly for me, my ‘jog’ was like a punishment. When I would get in trouble, papa insisted I go for a ‘jog’ or when our soccer coach made us ‘jog’ around the field for not performing. She went on to share her wisdom on the word ‘run’ and how that fit well with my age, fitness level and action. That led us to exchanging notes on how much we ran etc. She sowed in me the idea of running the ‘Flying Pig Half Marathon’. On May 1, 2005, I ran my first half and since then ‘running’ has become a big part of my life. I have completed two full marathons and it no longer feels like a punishment. Chitra, too, has been bitten by the bug and has run two half marathons. So ‘running’ is now an integral part of our lives gives us joy and balance. Deb, wherever you are “Thank you”!

  • Bhavesh bhai and me

Jai Hind Jai Maharastra

While staying in the downtown apartment, we met Bhavesh Parmar, whom I fondly call “Bhavesh bhai” (Bhavesh brother). He also hailed from Mumbai, Maharastra, and as we Mumbaikars say, our wavelengths clicked immediately. He lived in the same apartment building and we started hanging out together – movies, dinner/lunch, tea/coffee, Indian temple trips and ping pong (table tennis). Bhavesh was single then and a very mild natured, kind, human being. He had been living in the country longer than us so, in that respect, a senior with more experience. Chitra always narrates the story of serving Bhavesh bhai his first cup of tea in our house. She asked him how many spoons of sugar, to which he replied “six”. Chitra confirmed that twice and then proceeded to make Bhavesh’s special sugar tea! To his credit, he has now curtailed his sugar intake drastically. He owned a black Volkswagen Passat and would never hesitate in offering us rides to Newport on the Levy or the Indian Temple. Did I mention he is a devout Hindu and takes his Monday evening trips to the Hindu Temple in Cincy very seriously. We were not as religious but dinner plans after temple visits used to be a good motivator to tag along. As our friendship grew, we would greet each other with “Jai Hind, Jai Maharastra” (Victory to India, Victory to Maharastra). Till date, every time we talk or meet, this greeting makes both of us smile. He continues to flourish in wonderful Cincinnati with his beautiful wife – Dipali, son – Bhavya and their pet dog – Fufi.

Meet the Davis Family

While working from Mumbai, my first P&G project was with Bea Davis. It was also her first project with TIS and an Indian team. As a Project Manager, my role was to make Bea successful with her clients and leadership. She was responsible for the learning and development activities for the Supply Chain Operations group. This project of mine was a success and I think she had given Eric a good thumbs up for my performance and selection as the Cincy based Key Account Manager from TIS. Her late husband Joe and she were one of our first dinner party guests. They were open to exploring the Indian cuisine and Chitra churned our her best dishes – Bhindi Churi Muri (thinly sliced and spiced fried Okra), Yellow Dal (lentil dish), Indian Fish curry, Roti (Indian Bread), Rice and Gajar ka Halwa (grated carrot sweet dish). They loved the food and Joe, specifically, loved the fried Okra, which became standard on our menu every time they came home. Two points about Joe, he could talk intelligently about any topic and he had a towering yet gentle personality. They reciprocated by having us over to their home for Thanksgiving, Christmas and other occasions. Bea’s green bean casserole is the best ever and I haven’t had better anywhere else. She may never realize this, but the confidence her words instilled in me, gave me the courage to fly higher professionally. Bea, you will always have a soft spot in my heart.

Reflecting back on our American journey, we were lucky to have started in Cincy, at P&G, and surrounded by friends who brought positivity into our lives. We love you all and look forward to many more memorable moments together.

Related data points:

“Yes, you can” own a home and 2019 is the year for it!

screen shot 2019-01-20 at 9.36.45 pm

Chitra and I had a child marriage, so we joke. She was 24 and I was 25. We had not lived away from our parents, we had not had any prior relationships, we were very naive, and we started with a zero bank balance. So if we could manage to buy our first home a year after marriage, I bet you can too.

It was 1997, we were in the second year of our MBA school. Chitra would, at times, drive her dad’s 118 NE (Fiat car) to our school. We took many drives along Palm Beach road in Nerul, New Mumbai, India – back then it would be scenic, quiet and romantic. A landmark we crossed often was, NRI Seawoods Complex (an upmarket residential community) and one day I remember telling her “I will own three homes and one will be in Seawoods!”. Important to state here, I was a very big Amitabh Bachchan (a Bollywood superstar) fan and had seen movies like Deewar countless times. If anyone remembers the scene where Vijay (Amitabh Bachchan) gifts his mom an entire high rise, where she had once worked as an hourly wage laborer. I certainly had a theatrical flare brewing within me.


My obsession of owning a home dates back to my high school and college years. Our family had gone through many financial turmoils and we would move from one rental to the next. Most of my friends back then had lived in one or two homes since birth. My ambition of owning three homes would have certainly seemed far fetched to Chitra. But then we were young, madly in love and said “yes” to everything the other person desired! Poor girl, she did not know what she was signing up for. 


We both started our first job(s) in June 1998, got engaged in January 1999 and married in April 2000. If you are a couple making the decision of owning a home, I can’t emphasize how important it is for both parties to be totally sold to that goal. My family experiences had driven me to the point of being obsessive in chasing this goal. Chitra, however, came from a different background. She had never witnessed financial upheavals in her life. Before marriage, she had probably moved homes three times and owning a home was never in her immediate goals list. Visiting places, having a good time with me and being able to shop freely 😉 would have been her ideas of newly wedded bliss. She, however, bought into my dream and looking back I don’t think I gave her a choice. So Chitra, here I publicly announce “you made my dream come true and I shall always be indebted to you!”. 

I will not bore you all with our hardships of living on ultra savings mode during the first year of marriage or being obstinate about not taking a single Rupee from any of our family members. But here are some stories which we can never forget and will hopefully humor & encourage some of you on your path to first time home ownership.

Let me jump straight to 2001 – we were ready to buy our home. We selected a property and started our home loan application with ICICI Bank. Interestingly, I had signed their Credit Cards business division as one of Blue Dart’s (my employer) largest banking clients in the country. Also, Mr. Amitabh Bachchan was their brand ambassador, appearing in many TV commercials. Their marketing message was something in the lines of “aapka sapna, humara sapna” (“your dreams are our dreams”). So it was a shock, when ICICI declined our loan application a few days before our scheduled purchase date. Our dreams were being shattered due to a “technical error”. With assistance from my clients in ICICI, I got the email address of their Home Loan division chief and sent him a strong yet emotional plea. To my surprise, our home loan application got approved in 48 hours after sending that email. Mr. Bachchan continued to be one of my favorite heroes for many more years.

In 2002, Chitra started a new job with Euro RSCG, an advertisement agency. This move would bring us more money into the bank and help ease our month end agony of making ends meet. On her first day at work, their CEO had called for an employee town hall. The big announcement was that they had lost their biggest client ‘Phillips’ and operations were to get challenging. Chitra vividly remembers walking over to her manager’s office – Suman – and enquiring about the financial stability of the agency. Suman had laughed and stated “you don’t have to worry till they start cutting back on toilet paper!”. In later months, he also quoted “When you first buy a home, you feel broke. In a few months, you get used to being broke” A true leader and motivator! 🙂


I had two close friends – Raj and Amal. Both these guys were single, lived with their parents (very common in India) and were unable to relate to my life. We all worked in the same office and spent a lot of time together in our commute to and from work. While I would talk to Chitra about depleting laundry supplies, groceries and bank accounts, they would make me the butt of their jokes. Many of those jokes would bring us all to tears. I had little then but that laughter helped me keep light of the situation. Life has made us all busy, but I can never forget both these jokers. Especially Raj, because he, like me, would be short on cash almost around the same time as me. Did I mention, that he had a very colorful lifestyle! Some Fridays, the three of us would visit a restaurant next to our office – Tunga Paradise – to eat some non-vegetarian food. It was a luxury for all of us and a break from the vegetarian food served in the office canteen. Our order used to be pretty standard – butter chicken, another meat dish and one veg dish or dal (lentil). At the end of our meal, the server would ask us for “any dessert” and our answer would always be “no, thank you”. He would get the bill with sugar coated fennel seeds. We would take time to pay, but very diligently finish off the sugar coated fennel seeds. That would be our dessert and not having to pay for it made it sweeter! A few visits later, the server started presenting the bill with very small portions of our ‘free dessert’. That would not stop us from asking for more and these sessions continued till we all moved on from that office. I hope some day we can all visit that restaurant and have some ‘free dessert’ together!

The only furniture in our new home after a year was a 7 x 7 feet custom ordered solid wood bed. We had designed it from scratch and the day it got delivered, I truly felt like a king. Even the mattress had to be custom ordered and like my brother would say “yeh bed nahin, ship hain!” (this is not a bed, it is a ship). We had bought a big home – it was a penthouse, with three bedrooms and three full baths and three large balconies. However, we didn’t rush to furnish it. We both left for work very early and returned equally late. The one thing we wanted was a comfortable bed, and my ‘ship’ rested us well. I can’t emphasize on how much I appreciate Chitra, for adjusting to these decisions. I may not have been so appreciative then but looking back, she was an angel. Ok honey, you have done enough damage since then with your shopping sprees! 


Buying a car or a home? Early on in our lives, we had the choice of buying a car. We decided not to go that path and saved up for our home. In 2003, we had reached a stable financial position and were considering ownership of a car. I am a “BIG” car enthusiast and could not have been happier researching my options. After taking into account the monthly car payment, maintenance, parking fees, etc it came down to petrol (gas) cost. We had shortlisted the Tata Indica (diesel) and Maruti Suzuki Wagon R. Not able to make our choice, I took to some live data gathering! Getting stuck in Mumbai traffic was a daily occurrence on my commute to work. Whenever our auto (a three wheel taxi) would stop next to a Wagon R or Indica, I would knock on the window and motion the owner to roll the window down. Answering my questions the proud owner would share their pleasure of owning their car and specifically share with me mileage their car would give for a liter of petrol/diesel consumed. We were just a few weeks from a purchase decision when my company decided to relocate me to Cincinnati, Ohio, USA. Today on Indian roads you see the best of  car brands but every time I see an Indica or Wagon R, it brings a smile to my face. A big ‘cheer’ to all Indica and Wagon R owners.

Did our decision to buy a home so early on pay off? 

A definite and resounding “YES”! In 10 years our first home’s value appreciated 329%. We have since then bought and invested in four properties. Do share with me your stories. Let 2019 bring you good health and memorable moments in your home!

Related data points:

60 minutes every week can save you $500 or more a year!

If straight lines were not your thing in art class, this could be a difficult activity to pursue. We had curvy mohawk grass lines after Chitra, my wife, completed her first attempt at mowing our lawn! 

Having lived in town home communities we were spoilt by the services covered in our monthly assessment fee – like lawn mowing and snow removal. So a rude awakening awaited us, when we moved to our single family home in December 2013. Our first winter in the new home was not kind either and with my travel schedule, it was Chitra dealing with some heavy duty snow removal (we had not bought our snowblower then). So when Spring greeted us, we were quick to hire a lawn maintenance service provider. Their job entailed mowing the grass, trimming all the edges and clearing  refuse from the lawn. This service costed us $30 every week/visit. Their crew typically had 2 team members and finished the job in under 30 minutes. 

In 2016 we had new neighbors whom we got to know very well. I would observe each member of their family take turns every week in mowing their lawn. This also included their kids, then in middle and high school. To me it was a good activity for the kids to burn excess energy and help them learn a chore, that could be a source for earning some pocket money in future years.

With inspiration from our neighbors, in 2017 we invested in a lawn mower and trimmer.  Soon we picked up other supplies for the trade – refuse bags (if you are not mulching your cut grass), city pick-up stickers, gasoline can and gasoline. 

On day one the pressure was high with wifey, kiddo and our pet dog all focussing their eyes on me. I too was dressed for the job, with my gardening hat, gloves and a confident look. That confidence was soon tested because my machine would not start as easily as my car. You got to pull on this starter rope, which revs up with engine. It took a few pulls and a review of the owner’s manual, before it started. The first day was all exciting with everyone wanting to use the machine a bit – including my 8 year old son! We are not a big DIY family and the satisfaction we got to see a our maintained yard was very rewarding.

2018 was our second summer and I have begun to appreciate the value of being able to mow the lawn. Keeping the monetary savings aside, you can monitor the health of our lawn more effectively. You identify defect areas early on and can take remedial measures. Occasionally I have been my son’s hero for being able to find his lost/forgotten toys from our yard. There is the opportunity to talk to your neighbors or regular walkers – yes it does help you being more social. Don’t get me started on the health benefits of being outdoors & adding to your daily step count.

I say to all, if allergies are not an issue for you, get out and mow your own lawn. We have a 0.5 acre yard and I can complete my mowing and trimming routine between 45 to 60 minutes. My son, now 9, has had one training session with me and we hope he picks this chore up in the coming years. That is a “big hope”! 🙂

Screen Shot 2018-10-06 at 11.04.29 PM

Other related data points

  • Many of my purchases are based on recommendations by Consumer Reports
  • Toro 22” Personal Pace Smartstow Lawnmower: $374 + tax
  • Black & Decker 20V Electric String Trimmer: $89 + tax