Sunday, September 16, 2018

Keeping in Touch When the Network Goes Down

Updated September 2026: in 2018 I continued my account of the 2015 Chennai floods: calling my parents to say I was safe, going to bed at 8pm with Tintin ebooks on my iPod Touch, and waking at 2am to thunder and the loss of mobile signal. I have rewritten it into advice on keeping in touch and keeping calm when the network goes down.

After a short walk around the apartment block, I called my parents to tell them it was pouring in Chennai, that I was safe at home, and that I would call the next morning. They were relieved. I went to bed around 8pm, earlier than ever in my life. One good decision I had made earlier was downloading about 18 Tintin ebooks to my iPod Touch, which kept me company for two long days. I slept for four or five hours and woke at about 2am to constant thunder and lightning. It was clear the rain would not stop soon, and the hope of power by morning faded.

What should you tell family before the network fails?

  • That you are safe: and where exactly you are.
  • When you will next contact them: and that silence may mean no signal, not danger.
  • Who else can reach you: a neighbour or building contact.

How do you keep going with no power or signal?

Offline books, music and games make hours pass. A routine helps: fixed times to eat, check the phone and look outside. Sleep when you can, since nights in storms are often broken.

Is it normal to feel anxious?

Yes. Loud storms, darkness and isolation are stressful. Keeping busy and in contact with neighbours helps more than scrolling for news on a failing battery.

What should you check when you wake in a storm?

Water levels near the building, any sound of water inside, and whether neighbours need help. Keep a torch by the bed, not your phone.

What was the most useful thing I did?

The call to my parents while the network still worked. It spared them days of worry when my phone went silent.

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Monday, September 10, 2018

Why Your Salary Hike Feels Smaller After Tax

Updated September 2026: in 2018 I wrote about recalculating my hike at home and finding I had made an error, so the percentage was higher than I thought, and then discovering how much of the increase went to tax. I have rewritten it into a guide to what a hike means for take-home pay.

After a manager on the team asked for my hike percentage, I went home unhappy and did not want to look at the letter again. Curiosity won, because I wanted to know my new salary and how much I could save for retirement. My numbers did not match the letter. I realised I had made a big error earlier, and the hike was higher than I had thought: not huge, but not small either. Then I worked out the final package and found that much of the increase went to tax, so the net gain was lower than I expected.

Why does a hike feel smaller in take-home pay?

Because the extra income is taxed at your highest slab rate. Provident fund contributions tied to basic pay may also rise, which is saving rather than loss, but it reduces the monthly credit.

How do you estimate take-home pay after a hike?

  • Start with new fixed pay: the monthly amount before deductions.
  • Subtract PF and professional tax: from the salary slip structure.
  • Work out income tax: under the regime you have chosen, using the current slabs.
  • Compare with last year's net pay: that is your real monthly gain.

Which tax regime should you pick?

It depends on your deductions. The new regime has lower rates and fewer deductions, and is the default; the old regime can suit people with large deductions such as home loan interest. Tax rules change often, so check the current slabs each year or ask a tax professional.

How do you make the most of a hike?

Increase retirement and savings contributions straight away, before spending rises to match. Even directing part of the net increase into savings makes a difference over time.

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