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Archive through June 02, 2016

Chalanachithram.com DB » New TF Industry Related » Archive through June 03, 2016 » Calling 40+ Uncles and Aunties » Archive through June 02, 2016 « Previous Next »
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Bithiri_bathi
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Posted on Thursday, June 02, 2016 - 09:35 pm:      


Ysr2009:




ee db lo evari daggara cash 500k ala untundha...alanti vaalu ela invest chesthunnaru
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 08:40 pm:      

house paid off - Yes
kid gem - Yes,
SAT full score - Yes,

free college seat - NO
 

Telugu_times
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Posted on Thursday, June 02, 2016 - 07:26 pm:      

house paid off
kid gem, SAT full score, free college seat


Ysr2009:

kompa deesi million dollar kompa paid off anukunnaaraa enti?

NO

just $200K




Ignore spam.
 

Rudra_nethra
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Posted on Thursday, June 02, 2016 - 04:14 pm:      


Jai_ycp:



Hmm adhe kadha ..... Frisco lo 5 homes ante easy ga 10k vasthundhi rent. Antha vasthe 5 kadhu inko 5 years lo 10 homes vuntayi le.
 

Guru
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Posted on Thursday, June 02, 2016 - 04:06 pm:      


budugu:




evvar babu mi circle? ni chuttu pakka unnalontha over 130K ee..ninnu cherry ni chesi mosam chesthunnar
 

Twitter
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Posted on Thursday, June 02, 2016 - 03:28 pm:      


Executor:



300k unna case ni kaadhu nen cheppedhi. .300k mortgage undi 10yrs or 15yrs lo emi''s kattagalige vaadi case. .however née case lo kooda 300k stocks meedha kakunda oka inti meedha pettina 30yrs span lo growth will be more than 12% bonus is risk free :-)
 

Jai_ycp
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Posted on Thursday, June 02, 2016 - 03:23 pm:      


Gotcha:



rewards favor risky person. same with disasters. adhi ekkadaina anthe kadha. any risk that makes you twirl in bed is not worthy.

Credit istunte teesukunte poyi nakipoyina vollu kokolalu. Paying into house is storing money in kiddie bank. It s a safety net anthe.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Executor
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Posted on Thursday, June 02, 2016 - 03:20 pm:      


Twitter:

for 30 yrs mortgage of 300k you end up paying 600k @3 APR .. ippudu cheppu dabbul undi head lo paste unnodu em chesthado




If you invest 300k you would make 10 APY in a span of any 30 years.
The average return on large stocks in any 30 years span is 10.5% based on last 100 years data.
ippudu cheppu would you pay off or invest?
 

Gotcha
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Posted on Thursday, June 02, 2016 - 03:19 pm:      


Jai_ycp:


aa $1200 per month to u will get another 250K house. anyhow america lo edaina nadichedi appu meede appu ni baga use chesukovatam telisinode king, telinodu typical mango indian ani naa tokkalo feeling.
...
 

Jai_ycp
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Posted on Thursday, June 02, 2016 - 03:12 pm:      


Rudra_nethra:




You cant buy all houses same time. YOu buy a house, rent old one for 2 years show taht rent is taking care of mortgage and then buy another home. You need 2 things

a) 25% down payment
b) bank balance for 6 months of payment after down payment

you can buy and then again move on.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Rudra_nethra
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Posted on Thursday, June 02, 2016 - 03:10 pm:      


Twitter:



Mari 30 years pettukolemu le .... ala ani 5 years lo kuda kattalenu le. Naa paristiti veru le. India lo Flat in Apartment konna. So akkada 10% APR ikkada so nenu akkada loan top priority isthanu. Akkada payoff chesesi ikkada loan second preference pettukunta.

Hmm maa office lo BA ki 3 homes vunnayanta. Nenu ikkada realtor ni approach ayyanu first house searching lo. Athanu Frisco lo 5 homes rent ki icchadanta. Ela istharu swami multiple loans vellaki. That Moms life anukunna.
 

Jai_ycp
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Posted on Thursday, June 02, 2016 - 03:08 pm:      


Gotcha:




typically people are not adventurous and 15 year is safe net. For a 600K loan, diff between 15 and 20 is hardly 1200 dollars. You will pay 500 dollar less interest than a 30 Year old loan every month.

Assumign you are saving 15K by going 30 year, it makes sense only if you invest and get retruns. For most mango people, these extra 15K will be gone in pappu and uppu purchases which you dont even remember. After 10 year, loan will be around 230k giving you an equity of 370K just on loan. For 30 year, you will end up with 473K giving you an equity of 127K.

to differentiate, you have to earn 243 K from 1200 dollar savings which is not a normal feat for many.
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Twitter
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Posted on Thursday, June 02, 2016 - 03:02 pm:      


Rudra_nethra:

Chinna doubt. Instead of paying off home early like 5 years why cant they pay the EMI for home and invest rest of the amount in something else.



for 30 yrs mortgage of 300k you end up paying 600k @3 APR .. ippudu cheppu dabbul undi head lo paste unnodu em chesthado
 

Rudra_nethra
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Posted on Thursday, June 02, 2016 - 02:57 pm:      


Twitter:



Oh yes. Thanks annai for correcting me.Alage vunnatunnai conversations.

Chinna doubt. Instead of paying off home early like 5 years why cant they pay the EMI for home and invest rest of the amount in something else.
 

Twitter
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Posted on Thursday, June 02, 2016 - 02:54 pm:      


Rudra_nethra:

Ikkada minimum 100K per annum vunna valle vunnatunnaru




thamari head ..min 100k savings unna vallu
 

Rudra_nethra
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Posted on Thursday, June 02, 2016 - 02:52 pm:      

Vammo .... Ikkada minimum 100K per annum vunna valle vunnatunnaru. Vakey .... Nenu Exit.
 

Humpty_dumpty
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Posted on Thursday, June 02, 2016 - 02:42 pm:      


Vja2va:

Buy agricultural land in California and produce dry fruits.


in the middle of a 5 y drought?
 

Chiru_fan
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Posted on Thursday, June 02, 2016 - 01:58 pm:      

yentha sampaadisthunnaru anee kanna vaatini yelaa careful gaa karchubettaloo and/or invest cheyyaloo telusukoovatam important anukuntaa....
CHIRU - SACHIN - FEDERER
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:34 pm:      


Kuyyo_morro:

TI annai, ee season NFL drop chesthunna. NFL paisal towards house pay off pedtunna.



good decision, ikkada MLB vongo pedutundi, so probably i will take break till NFL :-)
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Rebel
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Posted on Thursday, June 02, 2016 - 01:32 pm:      

>>but if you can't grow your money at an average of at least 5% per year over a period of 30 years, edaina lake lo dookeyochu

aithe ysr tammi ki oka manchi lake choodu bhayya.
aa 5% meeda 30% tax kadithe anthele vachedi chivariki.
u can not assign value to 30 years of peace of mind by paying mortgage early
 

Vja2va
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Posted on Thursday, June 02, 2016 - 01:30 pm:      


Ysr2009:

what to do with those millions of Dollars in the savings account?




Buy agricultural land in California and produce dry fruits..
 

Rebel
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Posted on Thursday, June 02, 2016 - 01:30 pm:      

>>aa extra money to u can spread ur risk into say shares or other investment kada

shares lo money poyi suicides cheskunollu unnar..illu munde pay chesi dani valla suicide cheskune vadu evadu undadu..

risk gurinchi cheppaku...
 

Gotcha
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Posted on Thursday, June 02, 2016 - 01:30 pm:      


Dreamcatcher:


or put in india. neeku extra dabulu migulatayi daanito emaina chesuko anedi naa point.
...
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 01:28 pm:      


Gotcha:

if ur house price goes down what the point in paying off early? ade 30 ki chesavu anuko, aa extra money to u can spread ur risk into say shares or other investment kada




if housing market goes down, why would shares go up? They are all intertwined na? naakesedi ekkadaina naakestadi.
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 01:26 pm:      

TI annai, ee season NFL drop chesthunna. NFL paisal towards house pay off pedtunna.
 

Gotcha
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Posted on Thursday, June 02, 2016 - 01:26 pm:      


Dreamcatcher:


but ur risk is there na. if ur house price goes down what the point in paying off early? ade 30 ki chesavu anuko, aa extra money to u can spread ur risk into say shares or other investment kada
...
 

Fargo
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Posted on Thursday, June 02, 2016 - 01:26 pm:      

vammooo endi ee thaadu
 

Executor
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Posted on Thursday, June 02, 2016 - 01:23 pm:      


Rebel:

because 3% > 0%.
appu is always appu, 3% aithe adi appu kaaka pappu avadu kada




Ikkada db pedhalu 150k earn cheyakapothe waste ani selavicharu. you don't have control on that. evadi range vadiki vuntadi. but if you can't grow your money at an average of at least 5% per year over a period of 30 years, edaina lake lo dookeyochu
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 01:21 pm:      


Gotcha:

adi kuda 15 years ki convert chesetnaru why.

main things u r not going to stay in the house for 30 years or 15 years max say a 10 years and u will move so why to payoff early or why u need 15 years.




30 Years to 15 Years make sense if your goal is to chip away a larger chunk of principle in the same amount of time. Take the scenario you gave above, if one stays in a home for 10 years, you would have payed off more principle in a 15 year loan vs a 30 year loan. In a way, you built more equity for yourself in the house by doing 15 instead of 30.
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:20 pm:      


Ysr2009:




https://personal.vanguard.com/us/funds/snapshot?FundId=0040& FundIntExt=INT

look at 10yr chart of this fund
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 01:20 pm:      

Corporate bonds lo pedithe.. company chethulu etthesthe.. paisa raadu.. including the principal..
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:19 pm:      


Alochinchu:

ou do not need to match? if so.. is more of securing your salary in 401K?



you need to contribute 4% but they do contribute 14%
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 01:17 pm:      

>> bonds or conservative still earn you additional 3 to 4%.

US Treasury bonds.. 5 year pedithe 1.39% returns anta..


who will give 3 or 4% bonds?
 

Rebel
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Posted on Thursday, June 02, 2016 - 01:16 pm:      

>>why in the world would you pay off a below 3% loan?

because 3% > 0%.
appu is always appu, 3% aithe adi appu kaaka pappu avadu kada
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:16 pm:      


Ysr2009:

I didn't find anything in USA that gives me 3% returns without any risk. emannaa vunte light veyyando



tons of things are there which will give you more than 3%
you also get 30% break on your 3%

my 5/1 arm when bought new home in dec 2013 was 2.375, i get 30% break on this
so my rate is 1.7, even if put the money in bonds i get more than 2%
so many REIT give you higher percentage

buy a AAA cap rated properties, 6-8% cap rate lo AAA+ rating unna properties vastayi
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 01:14 pm:      


Ysr2009:

because, I didn't find anything in USA that gives me 3% returns without any risk. emannaa vunte light veyyando




6% company match utilize chesukovachu gaa. at the same time putting that fund in bonds or conservative still earn you additional 3 to 4%.
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 01:11 pm:      


True_indian:

free 14% kada




you do not need to match? if so.. is more of securing your salary in 401K?
 

Gotcha
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Posted on Thursday, June 02, 2016 - 01:11 pm:      


Ysr2009:

without any risk


why r u assuming paying off ur house is no risk. house prices can go down too. detroit lanti placess a few years lo upside down ayindi so nothing like no risk for paying off. say ur area lo huge company is closed off janalu will move off from that area.
...
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 01:09 pm:      

>> uncles andaru why are you paying off house when the interest rates are 3%?

because, I didn't find anything in USA that gives me 3% returns without any risk. emannaa vunte light veyyando
 

Executor
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Posted on Thursday, June 02, 2016 - 01:08 pm:      


Saarang:

uncles andaru why are you paying off house when the interest rates are 3%?




same question. why andi why? why in the world would you pay off a below 3% loan?
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:08 pm:      


Alochinchu:

unless you do rollover high pay vaalaki pedha difference undadhu..



high pay vallaki difference enduku undadu
free 14% kada
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Gotcha
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Posted on Thursday, June 02, 2016 - 01:06 pm:      


Saarang:

uncles andaru why are you paying off house when the interest rates are 3%?


yes nenu nethi noru badukuni chebutuna andaru payoff chesestaunaru, enduko ardam kataledu. chuss. adi kuda 15 years ki convert chesetnaru why.

main things u r not going to stay in the house for 30 years or 15 years max say a 10 years and u will move so why to payoff early or why u need 15 years.
...
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 01:05 pm:      


True_indian:

my previous company vanguard matches 14%, current company 13% till your 50 then its 15%, after 55 years its 20%




vanguard itself fund managing company kadha.. may be they are balancing with salary? unless you do rollover high pay vaalaki pedha difference undadhu..
 

Gotcha
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Posted on Thursday, June 02, 2016 - 01:04 pm:      


True_indian:


that is different anukunta. some companies contribute to 401k irrespective of you contribute or not that percentage will be higher than 6 %
...
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 01:03 pm:      

>> why do you need fafsa when you have money in the account

I have savings money + paid off house

My son is good getting financial aid.

I applied FAFSA & CSS PROFILE.
 

Saarang
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Posted on Thursday, June 02, 2016 - 01:01 pm:      

uncles andaru why are you paying off house when the interest rates are 3%?
 

True_indian
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Posted on Thursday, June 02, 2016 - 01:00 pm:      


Ysr2009:



dude i have 529 for my daughter, i didnt apply FAFSA since she is only 7
why do you need fafsa when you have money in the account
for fafsa even your bank account is checked, so if you have 529 or money in savings its the same

you need to report all your countable assets while applying
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

True_indian
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Posted on Thursday, June 02, 2016 - 12:56 pm:      


Alochinchu:

OMG super match kadha.. what is the match, is $ to $? it is 6% of your paycheck, there is no limit as long you contribute to match that.. Pre-Tax has limit.. not after-tax..




my previous company vanguard matches 14%, current company 13% till your 50 then its 15%, after 55 years its 20%
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 12:56 pm:      


True_Indian:

who the F told you, 529 lo enta undi ani evadiki telusu vaa
universties emaina IRS a tax return iyyadiniki




lol. I am sure you never applied for aid ( FAFSA & CSS PROFILE )


...
 

Royal1234
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Posted on Thursday, June 02, 2016 - 12:56 pm:      

not an 40 +, inko 9 yrs undi..

buy 2 cents, rent ki tippandi, i mean vaddi ki . daily/monthly etc etc @US
 

True_indian
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Username: True_indian

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Posted on Thursday, June 02, 2016 - 12:53 pm:      


Ysr2009:

ow are you investing your money?

- Don't want to take any risk in Shares
- Don't want to invest in India, because we will not go back to India for good.
- Maxed out 401K
- Bought house and paid off




how can you max 401k?
its every year, do you mean to say you maxed out for this year?

lot of people in this DB max out every year, if your employer matches then more the merry

house pay off is good
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 12:50 pm:      


Ysr2009:

FSPHX: YTD return -8.65%
FPHAX: YTD return -9.04%
FBIOX: YTD return -24.78%


risk leni funds kaavaali.. even if less yield..




okka 5 year return choodu brotherr. dont see just YTD
No Signature
 

True_indian
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Posted on Thursday, June 02, 2016 - 12:50 pm:      


Ysr2009:

they will see no difference between 520 money and and your saving money.




who the F told you, 529 lo enta undi ani evadiki telusu vaa
universties emaina IRS a tax return iyyadiniki

they look at parents combined salary

you can multiple 529 plans, pre tax, post tax

post tax ayithe you dont even report anywhere
.those who are serious about their watches display them prominently, those who are more concerned with style and branding present you with aircraft carriers and hide their watches.
 

Gotcha
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Posted on Thursday, June 02, 2016 - 12:47 pm:      


King:


its fine the building code should be as per the year it was built not current. 1990's lo katina illaki no need to be as per 2016 code, that is basic 101 of house buying.
...
 

King
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Posted on Thursday, June 02, 2016 - 12:45 pm:      


Gotcha:

something like these, this was contract in just couple of days it was listed:
https://www.redfin.com/TX/Coppell/245-Creekside-Ln-75019/hom e/31277746



do not buy pre 1990 homes as lot of the building codes changed ( ok realtor told me)
 

Gotcha
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Posted on Thursday, June 02, 2016 - 12:37 pm:      


Maverick:


check this one it is open too but will be closed soon. last year ee area lo houses were atleast 25k less.
https://www.redfin.com/TX/Coppell/555-Raintree-Cir-75019/hom e/31271252
...
 

Moviebuff001
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Posted on Thursday, June 02, 2016 - 12:33 pm:      


Rebel:

akkada kooda 0.001% return vache money market account lo ettava ?



ee matram returns ante moneymarket lo pettatame.
 

Gotcha
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Posted on Thursday, June 02, 2016 - 12:30 pm:      


Maverick:


something like these, this was contract in just couple of days it was listed:
https://www.redfin.com/TX/Coppell/245-Creekside-Ln-75019/hom e/31277746

but you have to move real fast listing ayina roje be prepared to quote 10 to 20k more on the asking price if multiple offers.
...
 

Starc
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Posted on Thursday, June 02, 2016 - 12:25 pm:      

15 years loan thisukondi..

15 years ki 30 years ki .. under 1k difference vastadi.. also 15 years has very less interest rate..

3k pay cheste.. 2100$ daka principal ki pothadi.. if you can afford you would save lots of money.

30 years ki 2300 pay chesina.. 500$ 800$ principal ki pothadi.. take little risk and save alot.

just 5 years lo.. you would have paid. nearly 100k.. you would never ever can save so much money..
 

Maverick
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Posted on Thursday, June 02, 2016 - 12:23 pm:      


Gotcha:

Buy single family houses in Dallas for around 250K-300k and rent it out(need 50k cash)


any leads? aa range lo ekkada dorukuntunna?
Happy Vizag
 

Shikari
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Posted on Thursday, June 02, 2016 - 12:19 pm:      

start a business
http://i.imgur.com/eUYcc.gif
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 12:15 pm:      


Kranth1:

Repairs ekkada cheyistharu? Makku vallani pilisthe estimate istara?




konchem network erpadaali..
 

Rebel
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Posted on Thursday, June 02, 2016 - 12:11 pm:      

401k lo pettedi stocks lo ne kada..alantapudu savings money stocks lo ettataniki enduku bhayam ?
kompadeesi akkada kooda 0.001% return vache money market account lo ettava ?
 

Gotcha
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Posted on Thursday, June 02, 2016 - 12:06 pm:      


Ferrari:


ante yearly 18K he is contributing to 401k from his salary.
...
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 12:06 pm:      


Ysr2009:

6% pedithe, 6% icchevaallu vunnaaru




yes, still they are giving you 6% if you put 12%.. anthakanna emi kaavali.. you already putting 15%.. if you looking for retirement investment.. you cannot earn any thing better than this..
 

Ferrari
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Posted on Thursday, June 02, 2016 - 12:04 pm:      

Maxed out 401K ante enti..house deesi jebulo ippudu 401K $ unnayi ana..
 

Gotcha
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Posted on Thursday, June 02, 2016 - 11:59 am:      

ysr2009
enta unayi sommulu cheppu manchi ideas ista.

Buy single family houses in Dallas for around 250K-300k and rent it out(need 50k cash)
Open a company and buy a coin laundry shop around good mexican apartments ( need another 50k I am guessing)
Buy single family homes in Austin around round rock for around 250k and rent it out(need another 50k)
...
 

Moviebuff001
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Posted on Thursday, June 02, 2016 - 11:57 am:      


Ysr2009:

risk leni funds kaavaali.. even if less yield..



Ayyo. Dont just look at those numbers. I invested at their lows and I have 8% returns in the last 4 months. Consider this as an opportunity.
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 11:55 am:      

FSPHX: YTD return -8.65%
FPHAX: YTD return -9.04%
FBIOX: YTD return -24.78%


risk leni funds kaavaali.. even if less yield..
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 11:48 am:      

>> Annai, meeru fidelity lo IRA account open chesi FBIOX, FPHAX, FSPHX lanti funds lo mee chillara dasipettandi. 6-8% returns vache chance undi. Ofcourse there is always a risk so make your call after due research.

thanks.. reaserching setthhaaa..
 

Moviebuff001
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Posted on Thursday, June 02, 2016 - 11:36 am:      


Ysr2009:



Annai, meeru fidelity lo IRA account open chesi FBIOX, FPHAX, FSPHX lanti funds lo mee chillara dasipettandi. 6-8% returns vache chance undi. Ofcourse there is always a risk so make your call after due research.
 

Kranth1
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Posted on Thursday, June 02, 2016 - 11:35 am:      

@Link_Master/Kuyyo

Repairs ekkada cheyistharu? Makku vallani pilisthe estimate istara?
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:31 am:      


Kantha_rao:


total amount cash down chesi kontaara or adi kuda mortgage aa ? mortgage lo repair costs kuda include sestaara ?

nenu newbie ni...so thittakunda seppavalenu




bad illaki loans raavu...
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 11:31 am:      


Dreamcatcher:

cash downs get you more bargaining power..you can get a better deal with cash downs.




ayithe naaku out of syllabus topic idi :D
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 11:29 am:      


Kantha_rao:

total amount cash down chesi kontaara or adi kuda mortgage aa ?




cash downs get you more bargaining power..you can get a better deal with cash downs.
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 11:29 am:      


Kuyyo_morro:

But real estate lo paisal kanabadthayi if you get good tenants or section 8s and tenants rent pay cheyanappudu unde daridram mamooldi kadu.




naa previous tenant gaadu naaku sukkal soopincheduu

Last October lo vacchedu.

November 8th varaku rent ivvaledhu . adigithe mail sesinaa raaledhaa aithee sare 2 days lo isthaa annaadu. arnd 10th icchedu

koosthaa lategaa ala abandi nadipinchedu till March.

April nunchi no rent. not reachable on phone, sms or email

Initiki pothee vundaduuuu
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Jai_ycp
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Posted on Thursday, June 02, 2016 - 11:28 am:      


Humpty_dumpty:

probably house payoff is something which i am strongly inclined to at this point



I did the same thing when i bought new home. 15 yrs lo 2 yrs ayyindhi. I can see the prinicapl going down. Old home lo 30 years teesukuni 10 years pay chesaka kuda kaaki retta antha taggindhi.

Now i curse my self why i had not take 15 year at that time
the story of YCP and TDP in 2014 (AP)- http://goo.gl/zgrYmQ
http://goo.gl/gn6XL5
the story of TDP in 2014 (T) - http://goo.gl/nyu1Wu
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 11:28 am:      


Linkmaster:

yes.. but potential unte worth doing




total amount cash down chesi kontaara or adi kuda mortgage aa ? mortgage lo repair costs kuda include sestaara ?

nenu newbie ni...so thittakunda seppavalenu
 

Macbook
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Posted on Thursday, June 02, 2016 - 11:27 am:      


Rusthum:

naku exactly aa 150K lo half.




 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:25 am:      


Dreamcatcher:

at the same anta ekkuva karchu avutundi kada fix cheyyataaniki?




yes.. but potential unte worth doing... kharchu oka ~10k perigiddi... you get -20k
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 11:24 am:      


Linkmaster:

entha bad gaa unte antha cheep gaa vastundi..




at the same anta ekkuva karchu avutundi kada fix cheyyataaniki?
 

Rajusk
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Posted on Thursday, June 02, 2016 - 11:23 am:      


Andhrawala:

So ippudu market lo rent ki pettenu. appatidaaka sethi lo dabbu tho mortgage pay seyyaaali

http://www.zillow.com/homedetails/326-Morgan-Brook-Way-Roles ville-NC-27571/122277829_zpid/




naa college dosth..met him after 20 yrs couple of weeks back..

mee NC lo RE broker license teesukonnad anta..

kurrod ki refer seyyamante..sesthan
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:22 am:      

To all again....( EMC2 and maveric )..


old houses ki remodeling potential undaali..

like able to make open kitchen, able to add extra bathroom.. good basement to finish and get value to the house..
manchi bones unte chaaalu house ki.. entha bad gaa unte antha cheep gaa vastundi..
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 11:21 am:      

But real estate lo paisal kanabadthayi if you get good tenants or section 8s and tenants rent pay cheyanappudu unde daridram mamooldi kadu.
 

Kranth1
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Posted on Thursday, June 02, 2016 - 11:20 am:      


Kuyyo_morro:

repairs cheyinchina and listed for 400k.




HGTV laaga na? Super asalu

Listed 400K, inthaki enthaki aduguthunnaru?

How do you estimate repairs cost and worth of the house?
Eppudu raajakeeya nayakulni vimarsinche pourudu raajakeeya nayakudu ayithe inka ekkuva dochukuntadu - RGV
 

Rajusk
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Posted on Thursday, June 02, 2016 - 11:19 am:      


Andhrawala:

fulltime


 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:18 am:      


Emc2:

unkl ilantivi ekkada chudali, any special site or just same zillow and red fins




iddaru merikals laanti brokers undaali.. vallaki mana intetion teliyaali..
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:17 am:      


Kuyyo_morro:

Linkesh ninnu follow ayyi Denver lo theesukunna 200k damaged illu. foreclosure illu. repairs cheyinchina and listed for 400k.

repairs ki 40k ayindi.




adhi lekka... arupulu....
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 11:16 am:      

Linkesh ninnu follow ayyi Denver lo theesukunna 200k damaged illu. foreclosure illu. repairs cheyinchina and listed for 400k.

repairs ki 40k ayindi.
 

Amayakudu
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Posted on Thursday, June 02, 2016 - 11:15 am:      


Maverick:



hubzu.com lo auction chesthaaru...

ikkada koni flip chestharu kondaru
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:14 am:      


Andhrawala:

repairs ki enthaindhi guru..




52 daaniki oka 500$ ayyindi..

80 daaniki 40K ayyindi..
 

Maverick
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Posted on Thursday, June 02, 2016 - 11:14 am:      


Linkmaster:


kaasta guide cheyyandi ee dhandha lo
Happy Vizag
 

Emc2
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Posted on Thursday, June 02, 2016 - 11:12 am:      


Linkmaster:




unkl ilantivi ekkada chudali, any special site or just same zillow and red fins
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 11:12 am:      


Linkmaster:

got 3 bed 2 bath town home for 84 k, upgraded and lited for 220K..
all cash prices




repairs ki enthaindhi guru...
No Signature
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:11 am:      

To all Chicagoens..

RE too much appreciate ayyindi.. but still you may find last year rates on dammaged houses dorukuthunnay.. upgrade is not a big deal....


keep eye on them..

GOT 2 bed 1 bath condo for 52K.. upgraded and listed for 78k..

got 3 bed 2 bath town home for 84 k, upgraded and lited for 220K..
all cash prices
 

Amayakudu
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Posted on Thursday, June 02, 2016 - 11:10 am:      


Buduguuu:

15 years tarvata 130k is not a wild scenario anukuntunna




15 years taruvatha kuda 130K eligibility limit udaali kada masteru...
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 11:10 am:      


Rajusk:

ituvanti facility undali ante..manadi mana sethilo undali kada rao garu..

daani kosame nen bhi waiting..

otherwise..zara buffering undali..to run roti kapda makaan




Meekneti Raju gaaru.

Meere naluguriki job isthaaru anukuntaaa

fulltime and damager position
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Maharshi
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Posted on Thursday, June 02, 2016 - 11:09 am:      


Kuyyo_morro:

Maharshi, interest rate e difference maker. 2.8 padthaandhi. but monthly payment perigindi. without bench project chusukovale for 5 years.




oh ok, thanks . Intrest rate reasonable ga baane unte unna danitho adjust avvatam better anamata ayithe . ..eppudanna theda vasthe vaadi minimum vaadi mohaana kottachu .
 

Vja2va
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Posted on Thursday, June 02, 2016 - 11:09 am:      


Rajusk:

aa mugguru emi ayyar..
latest updates enti ?




Manakasalu teliyad... Partner Sesani ki anni telusu..//running
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 11:09 am:      


Rajusk:

meeru rent collecting lo intha strict aa ..vaammoo




stomach tearing, feet meedha faaling.

Dont disclose my personal transactions much in DB

ma tenant March tjharuvaatha rent pay seyaledhu. APril bakaai paddaadu. Pinal gaa May 20th naa kaali sesedu. He owes meedh $300 towards power bill


So ippudu market lo rent ki pettenu. appatidaaka sethi lo dabbu tho mortgage pay seyyaaali

http://www.zillow.com/homedetails/326-Morgan-Brook-Way-Roles ville-NC-27571/122277829_zpid/
No Signature
 

Emc2
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Posted on Thursday, June 02, 2016 - 11:08 am:      


Politricks:

Ee thread ki nuvvu, TI, LINKan lanti vallu depress ayithe naa lanti vallu ganga la dookali!




ante mana lanti vallu depress avutharu T_I lanti vallu vachi koncham upasamanam kalipistharu ani calling
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 11:07 am:      


Ysr2009:

why are you acting re?

let's say your salary is 70K..
50K after taxes..

can't you save 20 to 25K from it?




oho.. antha peda arupu kaadu naadi...

I am sailing in your path ... But your ahead.. need to meet you...
 

Rajusk
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Posted on Thursday, June 02, 2016 - 11:06 am:      


Vja2va:

SecureFX tammi lekapoyesariki goppollantha sana ibbandi padutunnatlu undi..




aa mugguru emi ayyar..

latest updates enti ?
 

Vja2va
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Posted on Thursday, June 02, 2016 - 11:05 am:      


Ysr2009:

what to do with those millions of Dollar in the savings account?




Brahmostavam 2 movie produce seyi ..
 

Rajusk
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Posted on Thursday, June 02, 2016 - 11:04 am:      


Andhrawala:

Paysek vacchelopu pakkolla daggar chebadhulu theesukuntaa.




meeru rent collecting lo intha strict aa ..vaammoo
 

Vja2va
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Posted on Thursday, June 02, 2016 - 11:04 am:      

SecureFX tammi lekapoyesariki goppollantha sana ibbandi padutunnatlu undi..
 

Rajusk
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Posted on Thursday, June 02, 2016 - 11:03 am:      


Kuyyo_morro:

without bench project chusukovale for 5 years.




ituvanti facility undali ante..manadi mana sethilo undali kada rao garu..

daani kosame nen bhi waiting..

otherwise..zara buffering undali..to run roti kapda makaan
 

Andhrawala
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Posted on Thursday, June 02, 2016 - 11:02 am:      


Amayakudu:

Paysek to paysek bathukulu...inga saving cheyyalantey




meeru inkaa adrustavanthulu

Paysek vacchelopu pakkolla daggar chebadhulu theesukuntaa.
No Signature
 

Chitti_babu
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Posted on Thursday, June 02, 2016 - 11:02 am:      

Ee thread ki nenu eligible kaadhu, another 10 yrs wait cheyyali. early thirties
 

Film_fan
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Posted on Thursday, June 02, 2016 - 11:00 am:      

Unkul , Ila marataniki or previously katte daniki 2000$ extra per month add cheytaniki enti difference. Intrest rate aa ?
--


good question.....Reply ki nenu kooda interested....asalu ehdi better ani....
We are what we repeatedly do. Excellence, then, is not an act, but a habit.
-- Aristotle
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:59 am:      

Maharshi, interest rate e difference maker. 2.8 padthaandhi. but monthly payment perigindi. without bench project chusukovale for 5 years.
 

Maharshi
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Posted on Thursday, June 02, 2016 - 10:56 am:      


Alochinchu:

recent ga 30yr mortgage ni 5 yr loan gaa maarcha credit union tho. 2k ekkuva padthundi monthly. but house will be paid off in 5years anna anandam.




Unkul , Ila marataniki or previously katte daniki 2000$ extra per month add cheytaniki enti difference. Intrest rate aa ?
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:54 am:      


Sony:

college ki ellaka happy gaa maa cincinnati elipote better anipistundi





Rajusk:

appudu eppudo ..Florida lo beach house book sesan annar




ippude veligindi

Summer lo Cincinnati..Winter lo Florida..gaat it :D

chaala mandi rich feeful in MNPLS kooda ade sesthar le..
 

Humpty_dumpty
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Posted on Thursday, June 02, 2016 - 10:54 am:      


Dreamcatcher:


we bought our home in 2012..so appudu alternate investments chesay antha ledhu

mana areas lo condo boom ippudu bhyangar....inka veray areas vethukovaali yemo
 

Sony
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Posted on Thursday, June 02, 2016 - 10:54 am:      


Rajusk:

appudu eppudo ..Florida lo beach house book sesan annar


adi winter time resort raju gaaru...
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:54 am:      

kids college age ki vacheppatiki 130k kante ekkuve untadi desi household income. ivaala 100-130k undi, after 15-20years 130k undada.
 

Buduguuu
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Posted on Thursday, June 02, 2016 - 10:53 am:      


Humpty_dumpty:

nee bidda collge age vachay sariki 130k income undadhu ani nuvvu anukuntunnava?




na suttu pakkala oka 4 people unnaru 15 years kids unnollu. i know what their income is. meeru cheppe daniki chuttu pakkala kuda leru. my sample is very limited but 130k in ft is something i never heard in any of my friends. but as you said, 100-110 now ante 15 years tarvata 130k is not a wild scenario anukuntunna
 

Sesani
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Posted on Thursday, June 02, 2016 - 10:53 am:      

Just 200K ki endi ee hungaama YSR uncle...

Ikkada 5M unna kuda entha silent ga DBing sestunan choodu...

nerchuko, nannu choosi nerchukoo :D
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:53 am:      


Sony:

college ki ellaka happy gaa maa cincinnati elipote better anipistundi




enni sotla ki velthar your honor..

appudu eppudo ..Florida lo beach house book sesan annar
 

Sony
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Posted on Thursday, June 02, 2016 - 10:52 am:      


Humpty_dumpty:

is it worth to convert 30 yr mortgage to 15 yr and try to pay it off in 10 years or so?


Yes, kid college ki vellaka high taxes lo unna area lo undi waste. nenu same thinking lo unna, etu inko 15 years padutundi aa lopala max on house loan avagottukuni, college ki ellaka happy gaa maa cincinnati elipote better anipistundi
 

Buduguuu
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Posted on Thursday, June 02, 2016 - 10:51 am:      


Dreamcatcher:

maa blessings enduku budgankul, mee neighbors T_I, whyme, a'wala laanti mahamahula blessings teesukondi, use avutaayi.




vallu 250k range unkel. house teesi meeru kuda adhe range aa
 

Humpty_dumpty
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Posted on Thursday, June 02, 2016 - 10:51 am:      


Buduguuu:

90% ppl above 130k annamata... unkel bless cheyyandi


nee bidda collge age vachay sariki 130k income undadhu ani nuvvu anukuntunnava?
ilanti threads padinappudu
kurrol too much chesthaar ...wow, geev antu...idhi yemaina showoff aa
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:50 am:      


Ysr2009:

why are you acting re?

let's say your salary is 70K..
50K after taxes..

can't you save 20 to 25K from it?




quechen adigindi LinkM saarvaadu..

aayana adigindi..probably mee excess funds ki manchi use seppadaniki private conversation emo..

LinkM saar..aa rendu mukkalu ikkada pedithe..conservative kabods like me/HD kooda vintaam kada..
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 10:50 am:      


Buduguuu:

90% ppl above 130k annamata... unkel bless cheyyandi




maa blessings enduku budgankul, mee neighbors T_I, whyme, a'wala laanti mahamahula blessings teesukondi, use avutaayi.
 

Bharat
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Posted on Thursday, June 02, 2016 - 10:50 am:      

What happens to 529 plan if Kid goes to college in India?
 

Film_fan
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Posted on Thursday, June 02, 2016 - 10:48 am:      

bayapetti champi dobbey laa unnaru......ilanti threads lo
We are what we repeatedly do. Excellence, then, is not an act, but a habit.
-- Aristotle
 

Buduguuu
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Posted on Thursday, June 02, 2016 - 10:47 am:      


Dreamcatcher:

this eliminates 90% of desi junta kada vunkul? in those scenarios, 529 untay better kada...


90% ppl above 130k annamata... unkel bless cheyyandi
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:47 am:      


Humpty_dumpty:

yemaina seyyali antay light gaa shake




aap khatar mein hai..kripaya prateeska keejiye :D
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:47 am:      

>> this eliminates 90% of desi junta kada vunkul?

I staying in US for 17 years..

my son is getting need-based aid
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 10:47 am:      


Humpty_dumpty:

yemaina seyyali antay light gaa shake




should have bought a condo on centreville road in doscovery square around 2012/2013..missed a golden opportunity.
 

Rajin
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Posted on Thursday, June 02, 2016 - 10:47 am:      


Dreamcatcher:

97% of desi



be precise please elanti informative threads lo accurate gaa vundaali
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:46 am:      


Kuyyo_morro:

130k ante most desi households earn more than 130k. qualify avvamu. maccu or nallol or opts ki set avthayi.




naa lantodu avutadu :D

ee db lo unnadu andaru ameer janaale kada, vallaki avasaram undadu
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:46 am:      

>> anna, meeru ekkada undedi.. okka appointment ivvandi kalavataaniki

why are you acting re?

let's say your salary is 70K..
50K after taxes..

can't you save 20 to 25K from it?

..
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:45 am:      

130k ante most desi households earn more than 130k. qualify avvamu. maccu or nallol or opts ki set avthayi.
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 10:44 am:      


Ysr2009:

if your family annual income is less than ~$130K, you are eligible for need-based aid..




this eliminates 90% of desi junta kada vunkul? in those scenarios, 529 untay better kada...
 

Rgb
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Posted on Thursday, June 02, 2016 - 10:43 am:      


Enigmatic:

scholarships ki parents income chustaru anukunna? 529 vunte scholarships iyyara ?
what is the best alternative to 529 ?




Yeah need based aid ki eligible ayithe its best not to open 529. Merit based aid, they do not see 529
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:43 am:      


Ysr2009:

if your family annual income is less than ~$130K, you are eligible for need-based aid.. with not many properties on your name..




idi only gc or citizens ke kada....maa laanti coolie la ki kuda isthaarante ippude velli line lo nilchunta
 

Humpty_dumpty
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Posted on Thursday, June 02, 2016 - 10:43 am:      


Dreamcatcher:

what has this got to do with mortgage duration though? we can still downsize even if we have a mortgage by that time?


keeping the option of selling the house/mortage free when kid goes to college...but, you are right, no need to payoff to sell

investing lo bebe
probably house payoff is something which i am strongly inclined to at this point

aa savings A/C lo atlaaaa padi unnayi, yemaina seyyali antay light gaa shake
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:41 am:      

>> what is the match, is $ to $?

50 cents..

nenu 6% pedithe, vaallu 3% isthaaru.. I consider 3% as free money..

>> OMG super match kadha..

don't think so..

6% pedithe, 6% icchevaallu vunnaaru

...
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 10:41 am:      


Ysr2009:




anna, meeru ekkada undedi.. okka appointment ivvandi kalavataaniki ...
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 10:40 am:      


Dreamcatcher:

thed title lo aunties ni kooda add chesaara?

ysr2009 vunkul ki gold investements meeda suggestions vasthaayi ippudu..





nee enkamma.. office lo navvu agatam ledu...
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 10:37 am:      


Ysr2009:

company is matching only upto 6%




OMG super match kadha.. what is the match, is $ to $? it is 6% of your paycheck, there is no limit as long you contribute to match that.. Pre-Tax has limit.. not after-tax..
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 10:36 am:      


Ysr2009:




anna, meeru ekkada undedi ?..
 

Amayakudu
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Posted on Thursday, June 02, 2016 - 10:35 am:      


Rusthum:

150K lo half.. and single paycheck.. CT lanti state lo




Paysek to paysek bathukulu...inga saving cheyyalantey
 

Linkmaster
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Posted on Thursday, June 02, 2016 - 10:35 am:      


Kuyyo_morro:

recent ga 30yr mortgage ni 5 yr loan gaa maarcha credit union tho. 2k ekkuva padthundi monthly. but house will be paid off in 5years anna anandam.




 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:34 am:      


Kuyyo_morro:

2k ekkuva padthundi monthly. but house will be paid off in 5years anna anandam.


 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:33 am:      

if your family annual income is less than ~$130K, you are eligible for need-based aid.. with not many properties on your name..
 

Twitter
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Posted on Thursday, June 02, 2016 - 10:30 am:      


Ysr2009:

don't act like you have zero savings..




maree zero kadhule padho parako untai :D
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:30 am:      

>> if you have company match then rollover to After-Tax

company is matching only upto 6%

But I am putting 15% in 401K
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 10:30 am:      


Ysr2009:

need-based financial aid ..




idhi vadhu anukune kadha 529 lo save chesedhi..
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:29 am:      

recent ga 30yr mortgage ni 5 yr loan gaa maarcha credit union tho. 2k ekkuva padthundi monthly. but house will be paid off in 5years anna anandam.
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 10:29 am:      


Ysr2009:

- Maxed out 401K




if you have company match then rollover to After-Tax..
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:28 am:      

>> need based financial aid decisions (both federal and college-based)...for which most of our kids are not going to be eligible

My son was eligible for need-based financial aid ..

need-based aid kaavaalsina vaallaki 529 plan uselss..

merit-aid ayithe.. even millionaires will get it..

..
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 10:28 am:      


Humpty_dumpty:

is it worth to convert 30 yr mortgage to 15 yr and try to pay it off in 10 years or so?




if you can afford the payment...sure.


Humpty_dumpty:

youngest kid college kee vellay time kee i dont see any use in staying in thopest county and paying tax




what has this got to do with mortgage duration though? we can still downsize even if we have a mortgage by that time?
 

Savyasachi
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Posted on Thursday, June 02, 2016 - 10:27 am:      

since you already maxed out on everything. the best thing for you to do now is cash out all your paycheck everymonth. and spread the money on your bed and sleep on it.
 

Amayakudu
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Posted on Thursday, June 02, 2016 - 10:27 am:      


Ysr2009:

ee info ne kaavaali..



wealthfront/ betterment options explore cheyyandi
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:27 am:      


Rusthum:

oka 10C india ki thosesava?




C lu kaadu lachalu kuda thoyale
 

Politricks
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Posted on Thursday, June 02, 2016 - 10:26 am:      

Emc2

"one more depressing thread,

delete chesi denxkandi,

over to T_I"


Ee thread ki nuvvu, TI, LINKan lanti vallu depress ayithe naa lanti vallu ganga la dookali!
 

Rusthum
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Posted on Thursday, June 02, 2016 - 10:26 am:      


Amayakudu:


Salaries topics vachinappudemo...andaru 200K lu antuntaaru...150K kanna minimum vasthey life waste antaaru kondaru...Appudu moham ekkada pettukovalo ardam kaadu..




naku exactly aa 150K lo half.. and single paycheck.. CT lanti state lo bathakatamante.. daily labour job lekka
iddaru mods ni oka 5 days Vjawarrior and bluelagoon posts ki response isthu vundettu punishment ivvali ani kortu varini requesting - Whyme
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:26 am:      


Bharat:




nijam the truth.....single income, family...employer full thinnings since years...so no savings :-(
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:25 am:      

>> Mutual fund kooda vaddanukuntunnara?

ee info ne kaavaali.. entha returns? entha risk? any DBers investing?
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 10:25 am:      


Kantha_rao:

20k kuda ledu saving




same here...
 

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Posted on Thursday, June 02, 2016 - 10:25 am:      


Ysr2009:

Useless program.

deentlo evroo dabbulu pettakandi..

will work against you..

college lo scholarships icchetappudu, they will see no difference between 520 money and and your saving money.




Not entirely true...it impacts only the decisions of need based financial aid decisions (both federal and college-based)...for which most of our kids are not going to be eligible...it will not affect the merit based scholarships decisions...and 529s are not just for tuition, you can use them for a host of college related expenses.
 

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Posted on Thursday, June 02, 2016 - 10:24 am:      


Kantha_rao:



13 years ikkada...20k kuda ledu saving




13 years aaa ne age 33-34 annattunnav.. ante childhood lone dukanam ikkadaki marchesava? oka 10C india ki thosesava?
iddaru mods ni oka 5 days Vjawarrior and bluelagoon posts ki response isthu vundettu punishment ivvali ani kortu varini requesting - Whyme
 

Rajin
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Posted on Thursday, June 02, 2016 - 10:24 am:      


Kuyyo_morro:

siebel developer ki $145/hr job anta VA/DC lo for 3 yr contrac



takkuva kada..kasta aa rate evadu dorakadu max OPT/h4 set ayitharu
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:24 am:      

>> scholarships ki parents income chustaru anukunna? 529 vunte scholarships iyyara ?

Colleges lo scholarships ki FAFSA apply chesettapudu.. first question 529 plan lo entah dabbu vundi? daanni batti meekocche scholarship thagguthundi
 

Amayakudu
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Posted on Thursday, June 02, 2016 - 10:24 am:      


Kantha_rao:

13 years ikkada...20k kuda ledu saving




Hammayya, na lanti middle class madhavans kuda untaarani ippudey ardam ayyindi.

Salaries topics vachinappudemo...andaru 200K lu antuntaaru...150K kanna minimum vasthey life waste antaaru kondaru...Appudu moham ekkada pettukovalo ardam kaadu..
 

Bharat
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Posted on Thursday, June 02, 2016 - 10:24 am:      


Kuyyo_morro:

siebel developer ki $145/hr job




link please...maa friend kosam
 

Rgb
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Posted on Thursday, June 02, 2016 - 10:23 am:      


Ysr2009:




Mutual fund kooda vaddanukuntunnara?
 

Rajin
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Posted on Thursday, June 02, 2016 - 10:23 am:      


Kantha_rao:

.20k kuda ledu saving



saving account levu sare ekkadaa vunnayi
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:23 am:      

siebel developer ki $145/hr job anta VA/DC lo for 3 yr contract. Siebel raadu, koncham vachina itlanti threads future lo open chesundevadni.
 

Bharat
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Posted on Thursday, June 02, 2016 - 10:22 am:      


Kantha_rao:

13 years ikkada...20k kuda ledu saving



 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:21 am:      


Ysr2009:

17 years gaa US lo vuntoo $200K koodaa save cheyyalemaa? minimum salary tho..




13 years ikkada...20k kuda ledu saving :-(
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:20 am:      


Whyme:

ee DB lo 40+ uncles hegemony ekkuvayyindi




ee word ekkado vinnattu undi :D
 

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Posted on Thursday, June 02, 2016 - 10:20 am:      


Ysr2009:



scholarships ki parents income chustaru anukunna? 529 vunte scholarships iyyara ?
what is the best alternative to 529 ?
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:20 am:      

>> how is it possible yaa


ysr2009:


kompa deesi million dollar kompa anukunnaaraa enti?

NO

just $200K




17 years gaa US lo vuntoo $200K koodaa save cheyyalemaa? minimum salary tho..

quite possible re

don't act like you have zero savings..

..
 

Rajin
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Posted on Thursday, June 02, 2016 - 10:19 am:      


Rusthum:

avasaramainappudu commas vadav.. ikkada anosaram ga vadi meaning marchesav..



mana typing skills oka trend annattu
 

Kantha_rao
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Posted on Thursday, June 02, 2016 - 10:18 am:      

it is indeed a depressing thread :-(
 

Rusthum
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Posted on Thursday, June 02, 2016 - 10:17 am:      


Rajin:


intha build up enduku ,ante yearly salary rendu/moodu families ki


} avasaramainappudu commas vadav.. ikkada anosaram ga vadi meaning marchesav..
iddaru mods ni oka 5 days Vjawarrior and bluelagoon posts ki response isthu vundettu punishment ivvali ani kortu varini requesting - Whyme
 

Twitter
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Posted on Thursday, June 02, 2016 - 10:17 am:      


Ysr2009:

- Maxed out 401K
- Bought house and paid off




annai nuvvemi chesthavu ..how is it possible yaa
 

Humpty_dumpty
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Posted on Thursday, June 02, 2016 - 10:17 am:      

is it worth to convert 30 yr mortgage to 15 yr and try to pay it off in 10 years or so?
youngest kid college kee vellay time kee i dont see any use in staying in thopest county and paying tax
 

Whyme
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Posted on Thursday, June 02, 2016 - 10:16 am:      

ee DB lo 40+ uncles hegemony ekkuvayyindi
 

Simba
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Posted on Thursday, June 02, 2016 - 10:16 am:      


Dreamcatcher:

thed title lo aunties ni kooda add chesaara?


EMC aunty rename chesindi
 

Kuyyo_morro
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Posted on Thursday, June 02, 2016 - 10:15 am:      

520 program worst aa. ayithe nenu licked aa.
 

Dreamcatcher
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Posted on Thursday, June 02, 2016 - 10:14 am:      

thed title lo aunties ni kooda add chesaara?

ysr2009 vunkul ki gold investements meeda suggestions vasthaayi ippudu..
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:12 am:      

>> Kids college education ki save cheyyi...520 program or something

Useless program.

deentlo evroo dabbulu pettakandi..

will work against you..

college lo scholarships icchetappudu, they will see no difference between 520 money and and your saving money.
 

Rajin
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Posted on Thursday, June 02, 2016 - 10:12 am:      


Ysr2009:

just $200K



intha build up enduku ,ante yearly salary rendu/moodu families ki}
 

Rusthum
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Posted on Thursday, June 02, 2016 - 10:11 am:      


Emc2:

one more depressing thread,

delete chesi denxkandi,



adedo spiderman mask eskondi nuvve delete chesey uncle.. depression kadu sachipovalanipisthadi ittantivi chusthe..
iddaru mods ni oka 5 days Vjawarrior and bluelagoon posts ki response isthu vundettu punishment ivvali ani kortu varini requesting - Whyme
 

Scorpio
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Posted on Thursday, June 02, 2016 - 10:10 am:      

Kids college education ki save cheyyi...520 program or something

lekapothe, apartment lo invest chesi rents ki ichey

Over to LinkMaster, Awala etc
Amaravathi - CBN - Andhra Glory
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:09 am:      


Dreamcatcher:

mee 401(k) different kada..




naake teliyani naa account aa..vinteresting !!!
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:09 am:      

kompa deesi million dollar kompa anukunnaaraa enti?

NO

just $200K
 

Stellar
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Posted on Thursday, June 02, 2016 - 10:07 am:      


Ysr2009:

Bought house and paid off




Inko house konandi :-)

Btw, ye state/city lo pay off chesina house?
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:07 am:      

>> you invested enough..

savings lo 0% return vundi... adee problem..
 

Emc2
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Posted on Thursday, June 02, 2016 - 10:06 am:      

one more depressing thread,

delete chesi denxkandi,

over to T_I
 

Alochinchu
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Posted on Thursday, June 02, 2016 - 10:05 am:      


Ysr2009:

- Don't want to take any risk in Shares
- Don't want to invest in India, because we will not go back to India for good.
- Maxed out 401K
- Bought house and paid off




you invested enough.. now it is spending time.. enjoy vacations..
 

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Posted on Thursday, June 02, 2016 - 10:04 am:      


Rajusk:

assalu account ae ledu..




mee 401(k) different kada...
 

Ysr2009
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Posted on Thursday, June 02, 2016 - 10:04 am:      

>> Bought house and paid off

enti anthaa shock avuthunnaaaru.

why?
 

Rajusk
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Posted on Thursday, June 02, 2016 - 10:02 am:      


Ysr2009:

what to do with those millions of dollars in the savings account?





Ysr2009:

- Bought house and paid off





Ysr2009:

- Maxed out 401K




assalu account ae ledu..so no disco
 

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Posted on Thursday, June 02, 2016 - 10:01 am:      


Ysr2009:

Bought house and paid off




 

Ysr2009
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Posted on Thursday, June 02, 2016 - 09:59 am:      

How are you investing your money?

- Don't want to take any risk in Shares
- Don't want to invest in India, because we will not go back to India for good.
- Maxed out 401K
- Bought house and paid off


what to do with those millions of cents in the savings account?


...