asalu ee H1B lo untea, future planing yala??

[kasi]

18 hours ago, harvey said:

same boat, save decently and invest in India. At the same time spend decently here as well. India poyaka karchupedadham ani anukoku india vellelopu sagam jeevitham ayipothundhi.

true that..i dont want to me a honey bee.........

[kasi]

16 hours ago, presidents_medal said:

Future is US ani ikadikochaam

Future is H1 ani pick aithe chaalu saamee annaaam

ipudu H1 meeda Etlaa antunnaam anthe ade life ... we will never be happy, 

 

unna savings stocks annee India lo bank lo vesthe happy gaa nelaki 70-80k vatundi

rajaa laga batakochu(urlo batakalem anuko) ... but vellam ikkade undipothaam

alaa musalaallu ayipoi sachipotaaaam

kaka im saying that im not happy 

ya once we cross a phase in the life..you need to plan for the next, adhea asking meeru yala doing ani

first lo US ki F1 visa chalu anukunam, next manchi GPA....next manchi job....ala you have to plan 

kaka, neeku 70-80K ravali antea india min 2-3C investment undali 

and stocks antava i do it with 401k, i dont believe can make you rich or secure your future if you dont invest wisely 

chuddu TSLA in a week 520 - 360 so ala

[kasi]

17 hours ago, BeerBob123 said:

Quarter @presidents_medal vesi padukko 

ekkuva alochinchaku 

follow the flow

adhe yalago every week untadhi kada

[snoww]

Pillalu OPT meede homes buying. Nuvvu h1 varaku poyav

[kasi]

9 hours ago, Odale said:

When you die, you don’t take money with you. Enjoy your hard earned money and invest wisely

ture that 

but chanipoyaloga......just imagine if you dont have a job n no money to live

imagine the stress, if you have wife/kids.....no job no money

 

pothea no probs basu.......but to live without money.....chala kastam, on top of it you are dragging people who look up you(kids n wife) into that mess

 

[kasi]

7 hours ago, Catalpha said:

How to enjoy money

if you are asking someone,....not sure whats your point on making money  

[kasi]

7 hours ago, phatposts said:

After few years this is what I came to terms with myself and my situation:

PD 2013, been hear for 10+ years. Bought a small home in India few years ago, 2 chillar investments in India - one went very bad. One is good. 

What I realized over time for myself is  - Unless you do not believe in the US investment methods you should never say investing in US is bad. If you do not like it thats OK. I am not trying to change your mind. 

If real estate is your thing - investing in Indian RE especially apartments and renting them is a horrible instrument. If you are buying in the early stages of a construction development and plan on selling in 5 years then it might make sense. The risk is high there too but you should invest with an informed mindset rather than simply say I should not have done that 5 years ago. 

Rather than investing in Class A properties - if you can look in to investments in Class B/C the overall cash flow in the US is really really good. If you do not like to be a landlord give it to management companies who does the work and you pay a fee. As long as numbers you should look in to it. Every aspect of investment has risk/reward. You need to answer that to yourself. 

Stock market also same - individual stocks lo invest cheyyadam teliyaka poina, ishtam leka poyina you should still have a % of your savings in the market. Look in to Large Cap Index funds like SP500, SPY, VTSAX, FXAIX etc. 

Real estate + stock market combo kavalante - Look in to REITs. Next 12 months Commercial REITs risk chala ekkuva. 

For gold investors - never ever buy bullion. Invest in ETFs that are completely gold driven. Makes your life easier in every aspect - storage, commission, loss %, intlo vaallu ornaments cheyinchakunda etc. 

I strongly believe in the retirement options here in the US that are tax advantaged like 401k, Roth IRA, HSA etc. Last 5-6 years lo matrame nenu aa vishayam realize ayyanu and most of my wealth is because of those accounts. 

If you are starting it makes a lot of sense to understand the different vehicles and instruments. It is confusing to start but do not let that confusion kill your deal. Once you break that point it gets interesting and most importantly allows you to understand what you like or may not like. 

Emanna Qs unte adugu I will be happy to give my perspective. Evaranna vachi blanket statements iste never consider those people in life. No one can say what will happen in the future and no one else is in your shoes. 

 

kaka chala thanks....machi info n confidence ichav 

did few things you were talking about -- investment in RE in india

i do stocks with 401k, ma company lo one of the biggest benefit adi, i completely take adv of it......after what i have heard, i think i can increase my contribution, i think i can use that money in india if it comes to that.....good though bro.....nenu kuda same 3/4yr back FTE iyakanea aa 401K/HSA started, i dont do ROTH 

thanks for thoughts around investing in US....

 

@phatpoststhanks baa...very very valuable info...hope DB lo life just started youth will take advantage of your thoughts 

[kasi]

13 minutes ago, snoww said:

Pillalu OPT meede homes buying. Nuvvu h1 varaku poyav

manchi idea kada......buy rent n live...get tax breaks.......and get equity and RE prices are going up 

this is called house hacking wish i know it when i first started my job 

 

if you have been in a job for for over an year, if you have confidence that you will be there for more year(calculated risk), buy a home(100-150k) n rent it with friends.....and thank me after 5yrs

[Catalpha]

20 minutes ago, kasi said:

if you are asking someone,....not sure whats your point on making money  

Enough to live

[tacobell fan]

CC @kevinUsa

[snoww]

13 minutes ago, kasi said:

manchi idea kada......buy rent n live...get tax breaks.......and get equity and RE prices are going up 

this is called house hacking wish i know it when i first started my job 

 

if you have been in a job for for over an year, if you have confidence that you will be there for more year(calculated risk), buy a home(100-150k) n rent it with friends.....and thank me after 5yrs

Yes.  If you can rent each bedroom to some bachelor then it is great investment. 

[tacobell fan]

4 minutes ago, snoww said:

Yes.  If you can rent each bedroom to some bachelor then it is great investment. 

uncle, how are the investments doing?

[snoww]

4 minutes ago, tacobell fan said:

uncle, how are the investments doing?

Going on vuncle. 

Amaravati ground report enti. 

[Catalpha]

44 minutes ago, snoww said:

Pillalu OPT meede homes buying. Nuvvu h1 varaku poyav

Cheap houses.

[odhu_le_macha]

58 minutes ago, kasi said:

ture that 

but chanipoyaloga......just imagine if you dont have a job n no money to live

imagine the stress, if you have wife/kids.....no job no money

 

pothea no probs basu.......but to live without money.....chala kastam, on top of it you are dragging people who look up you(kids n wife) into that mess

 

pelli cheskoku kaka anni problems solve...