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Are you Saving enough for Retirement?

Chalanachithram.com DB » New TF Industry Related » Archive through June 30, 2018 » Are you Saving enough for Retirement? « Previous Next »
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Risingstar
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Posted on Friday, June 29, 2018 - 07:56 pm:       


Ysr2009:

RS babai, meeru enni comic icons pettinaa, meedi CM level,PM level ani ikkada andariki thelusu


annai antha ledhu
 

Ysr2009
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Posted on Friday, June 29, 2018 - 07:13 pm:       

RS babai, meeru enni comic icons pettinaa, meedi CM level,PM level ani ikkada andariki thelusu
 

Risingstar
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Posted on Friday, June 29, 2018 - 01:47 pm:       

 

Andhrawala
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Posted on Friday, June 29, 2018 - 01:42 pm:       

//


Sudden gaa choosi inkolaa chadivaa!


//

Nenu kooda adhey anukunnaa


okka pakkaa Valmeeki ainaa RS brother and inko pakka sadheejeevi Raju Bhai

daanitho thelsindhii
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Andhrawala
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Posted on Friday, June 29, 2018 - 01:41 pm:       

//


lajankul neeku anni etti dannam edatha bottom line ettu if fassible.. sesasi bottom line realistic bottomline rendu ettu fleez
//

Meeku Bottomline endhi RS brother

Meekunna connections ki u can become MLC in future or big business pettagalaru.

Mee range Top line antheyyy
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Platypus
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Posted on Friday, June 29, 2018 - 01:40 pm:       


Risingstar:

lajankul




Sudden gaa choosi inkolaa chadivaa!


This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Ustad
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Posted on Friday, June 29, 2018 - 01:39 pm:       


Rebel:

why do they need advisors in stock market...vallu cheppinavi vinte minimum nunchi no payment ki vaster after few years


Not true bro. I know some really smart PMS managers generating 40% cagr since 2009.

One can expect 20%+ cagr (after fees) on a avg. by baking in some down cycles.
I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw
 

Risingstar
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Posted on Friday, June 29, 2018 - 01:37 pm:       


Rajusk:



lajankul neeku anni etti dannam edatha bottom line ettu if fassible.. sesasi bottom line realistic bottomline rendu ettu fleez
 

Ustad
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Posted on Friday, June 29, 2018 - 01:36 pm:       


Rajusk:

mee Kompally lo unna 20 acres lo oka 2 acres sell chesi..rest of the life venjoy seyyochu..


Mee Kompally land naaku gift istunnara?
I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw
 

Rajusk
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Posted on Friday, June 29, 2018 - 01:35 pm:       


Andhrawala:

Meeru saala pedha position anukunnaa




yes..29th floor lo sitting ..maa paina inka 3 floors ae unnai :D
 

Rajusk
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Posted on Friday, June 29, 2018 - 01:34 pm:       


Ustad:

Bottomline please & some tips to save money if possible.




meeru retire ayyi..vindia vellinappudu ..mee Kompally lo unna 20 acres lo oka 2 acres sell chesi..rest of the life venjoy seyyochu..

meeku mem tips ivvadam enti rao garu
 

Ustad
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Posted on Friday, June 29, 2018 - 01:32 pm:       

Bottomline please & some tips to save money if possible.
I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw
 

Andhrawala
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Posted on Friday, June 29, 2018 - 01:32 pm:       

//bonus gaa oka 2/3 layers..from IT Serve

Meeru saala pedha position anukunnaa

WA lo mee posts ni batti Stock market icekaantham anukunnanee after Kuyyo, TI and Saint kurrodu. also Budugu
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Rajusk
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Posted on Friday, June 29, 2018 - 01:31 pm:       


Rebel:

why do they need advisors in stock market...




andaru street smart and market savvy undaru kada..mana DB diggajaalu laaga

so avathali vaadu more educated and informed anukontaru..anduke vaadi sethilo pedthar
 

Rajusk
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Posted on Friday, June 29, 2018 - 01:29 pm:       


Rebel:

contractors on billing rates mostly don't have access to 401k's




bonus gaa oka 2/3 layers..from IT Serve
 

Rebel
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Posted on Friday, June 29, 2018 - 01:28 pm:       


Rajusk:

or investing in stock market thru advisors.. to get minimum monthly payments


why do they need advisors in stock market...vallu cheppinavi vinte minimum nunchi no payment ki vaster after few years
 

Rajusk
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Posted on Friday, June 29, 2018 - 01:27 pm:       


Andhrawala:

My classmates who are 45+ are still in IT some as Vice Presidents and others as Delivery manager kind of positions




chaala lucky aithe..ekkado fox ni thokkar or know enough politricks to stick around..

but very few..
 

Andhrawala
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Posted on Friday, June 29, 2018 - 01:26 pm:       

//
so 45+ IT janabha em chestar india lo..ipudunna 30's IT boom gang anther 5-10 years tarvatha what doing
//

My classmates who are 45+ are still in IT some as Vice Presidents and others as Delivery manager kind of positions

Non-IT folks aithe Businesses etc chesukuntunnaaaru
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Rajusk
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Posted on Friday, June 29, 2018 - 01:25 pm:       


Rebel:

so 45+ IT janabha em chestar india lo..ipudunna 30's IT boom gang anther 5-10 years tarvatha what doing




janthikal naliping..(j/k)

jokes apart ..own ventures try chesthunnaru..or investing in stock market thru advisors.. to get minimum monthly payments
 

Rebel
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Posted on Friday, June 29, 2018 - 01:23 pm:       

so 45+ IT janabha em chestar india lo..ipudunna 30's IT boom gang anther 5-10 years tarvatha what doing
 

Rajusk
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Posted on Friday, June 29, 2018 - 01:17 pm:       


Filmbuff:

Peaks aa paada, only in US one can find developers still working at age 50/60. India lo career peaks at 40, after that with every passing year, the risk of getting laid off becomes higher. Earn and save whatever you can by 40-45. We should assume that one may not have a job after 45.




ee thaadu ippude soosthunna..

Buffy goru cheppina maata matram correct India lo IT janabha ki

vomerica lo partially true..

nenu vinadam ..southern states lo younger gen ki preference ekkuva..ante..above 50 Southern states lo kooda konchem mushkil ani..
 

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Posted on Friday, June 29, 2018 - 11:27 am:       

YSR2009


from 65 to 85, vaallu cheyyadalchukunna panlu

- Farmhouse lo extensive farming
dheeniki minchidhi ledhu, if you have land. you will be healthy at the same time enjoy the nature and life.
- going on World tours
if you have money this is also best option
- Telling chandamama kathalu to grand kids and raising them as good citizens
That's what our grand fathers did.

- enjoying life with perfect health
yes, if you eat healthy and do exercise daily, mostly you will be healthy, unless you are very unlucky with some bad genes

- if they get sick, suicide chesukovatam.. because they think it is not worth living with sickness

who said suicide, you will medicare and medicaid


- if they have to live in old age home, malli suicide chesukovatam.. because they think they are too bad

living in old age home is last option.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Bingo
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Posted on Friday, June 29, 2018 - 11:15 am:       


Bingo:

you are thinking about either ppl who are on GC who an work directly with the prime vendor or h1 coolies working on some very special projects/skills. Regular java/.net coolies, which majority of us here are on $45-$55 per/hr billing to employee. Coasts lo inko 10 ekkuva vastundemo but daniki saripada expenses untayi.




in fact when you consider PTOs, health insurance costs, 401k contributions and major factor -h1 renewal fees, FT salary works out way better than consulting work for 90% of desi janata
 

Bingo
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Posted on Friday, June 29, 2018 - 11:13 am:       


Moviebuff001:

But FT kakapote, billing better ga ne untundi kada...






you are thinking about either ppl who are on GC who an work directly with the prime vendor or h1 coolies working on some very special projects/skills. Regular java/.net coolies, which majority of us here are on $45-$55 per/hr billing to employee. Coasts lo inko 10 ekkuva vastundemo but daniki saripada expenses untayi.
 

Moviebuff001
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Posted on Friday, June 29, 2018 - 11:01 am:       


Rebel:

adi FT ki..contractors on billing rates mostly don't have access to 401k's



Got it. But FT kakapote, billing better ga ne untundi kada...
 

Rebel
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Posted on Friday, June 29, 2018 - 10:59 am:       


Moviebuff001:

Ee lekka lo ne 12% per person 401K savings lo with 6% matching from employer, 36K per year 401K savings untayi.


adi FT ki..contractors on billing rates mostly don't have access to 401k's
 

Moviebuff001
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Posted on Friday, June 29, 2018 - 10:58 am:       


Rebel:

-mortgage+property ins etc. - 3K*12 = 36K



Add equity of 1K per month (adhama paksham).
 

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Posted on Friday, June 29, 2018 - 10:57 am:       


Rebel:

-ur 40% estimate, may include 401k etc. = migiledi 120K
-mortgage+property ins etc. - 3K*12 = 36K
-car payment - 1K *12=12K
- day care if below school age for 2 kids - 2.5K ..lets make it 15K for 1 kid
-other expenses - 2K*12=24K
- health insurance - 1K*12 =12K
- car insurance+home insurance - 3K
- oka india trip este 10K minimum
+ other junk i may be forgetting



Ee lekka lo ne 12% per person 401K savings lo with 6% matching from employer, 36K per year 401K savings untayi.
 

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Posted on Friday, June 29, 2018 - 10:54 am:       

Us of A lo vachelor ga vunnapudu emanna saving vuntundhemo kaani

Kids vunna family ki saving cheyyalante chala kastam

Aa numbers first post lo vunnavi chala aggressive.

Like i said, 60 to 80% chesina chalu
 

Rebel
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Posted on Friday, June 29, 2018 - 10:48 am:       


Filmbuff:

Out of sheer ignorance i am asking - for folks in the US, even at USD75 per hour billing, one can make - 75 * 8 (hours)*240 (days) (assuming many are contractors). That is 144 K per year. If both husband and wife are working, the earning of a family is close to $300 K.

Assuming a family income of $300 K, take out 40% for taxes (very aggressive, but let's be conservative). That means take home for each family is $180 K per year. Schools are free, libraries are free, school buses are free. Home mortgage ki oka 6 K per month. Other expenses around 2 K per month. So net - net, one can save close to 80 K per year. If no mortage, savings can be immense.




ok ipudu numbers chuudam..very few like maverick,netra etc. makes 2*150K=300K ..they mostly live in west coast. 200K for dual income ankundam idi kooda ekkuve for most.
-ur 40% estimate, may include 401k etc. = migiledi 120K
-mortgage+property ins etc. - 3K*12 = 36K
-car payment - 1K *12=12K
- day care if below school age for 2 kids - 2.5K ..lets make it 15K for 1 kid
-other expenses - 2K*12=24K
- health insurance - 1K*12 =12K
- car insurance+home insurance - 3K
- oka india trip este 10K minimum
+ other junk i may be forgetting

chivaritki migiledi song esuko..

its not what u make..its what u save
 

Andhrawala
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Posted on Friday, June 29, 2018 - 10:44 am:       

//8.5% growth kaadu usa lo if i put 18k I am saving 6k of my taxes aa type lo pf lo pette money ki tax avoid avutunda?

tax avoid avvudhi Gotcha bhaai. also desam lo aa money pakka safe. People who retire get around 20-30 lakhs in PF itself
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Gotcha
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Posted on Friday, June 29, 2018 - 10:42 am:       


Filmbuff:

PF lo 8.5% vasthadi


8.5% growth kaadu usa lo if i put 18k I am saving 6k of my taxes aa type lo pf lo pette money ki tax avoid avutunda?
...
 

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Posted on Friday, June 29, 2018 - 10:30 am:       


Filmbuff:

Am i missing something.


yes. Reality.
 

Rebel
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Posted on Friday, June 29, 2018 - 10:28 am:       


Gotcha:

I posted same message 10 times so people can get it into their head save for urself dont depend on others particularly ur kids. Inni chepina cheyakapote light


ikkada sollu cheptaru..evadu save cheskunevi aadu chestadu
 

Bingo
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Posted on Friday, June 29, 2018 - 09:52 am:       


Filmbuff:


BTW, I'm not saying Desi IT employees in US are having it tough.. they are definitely way more well off than their counterparts in India. both spouses work chestunte, then the monthly savings could definitely be higher than the comparable position salary in India. But those savings would be no where near your numbers.
 

Andhrawala
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Posted on Friday, June 29, 2018 - 09:45 am:       


GSN1:

HEALTH IS WEALTH is so TRUE as one gets older. If there are no health issues, retirement is NOT GOING TO BE THAT COSTLY.




The more years u live u need money for that again


Filmbuff:


In a nutshell even a well earning professional in India after 15 years of slogging his butt off would be having savings of between 50-75 lakhs. Adhi kastha pilla na kodukulu, sarigga ka sadavakapothe donation lo poddi.





also veelu icche retirement figures anni to retire in USA


Buffy, desam lo real estate investment too much appreciation vuntundhi. Desam lo retirement is damn cheap kabattiyou don't need that much

Meeru annatto gaa okka 50 lakhs tho konna illu will cost more than Rs 1cr by the time of retirement
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Bingo
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Posted on Friday, June 29, 2018 - 09:44 am:       


Filmbuff:

for folks in the US, even at USD75 per hour billing, one can make - 75 * 8 (hours)*240 (days) (assuming many are contractors).




even at $75 per/hr.. not even 30% of the desi IT contractors are working at that billing. I'm talking about the rate that the contractor gets after the vendor and employer's cut. Most of them are around $45-$55/hr. Thats $90k-$110k per person.

And for contractors, employers don't pay health insurance. So, for a family of 4, around $1200 insurance ke potundi.

kaaki lekkalu pattukochi 6 months lo half million savings anta comedy}
 

Filmbuff
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Posted on Friday, June 29, 2018 - 09:35 am:       


Gsn1:

ortunately the one's income also peaks between 40 to 50




Peaks aa paada, only in US one can find developers still working at age 50/60. India lo career peaks at 40, after that with every passing year, the risk of getting laid off becomes higher. Earn and save whatever you can by 40-45. We should assume that one may not have a job after 45.
 

Risingstar
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Posted on Friday, June 29, 2018 - 09:26 am:       

meeku M leepi S ethi dannam edatha bottom line ettandi if etall fossible

ps: m-meda s - sethul
 

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Posted on Friday, June 29, 2018 - 09:16 am:       

The key is doing EVERYTHING IN MODERATION.

HEALTH IS WEALTH is so TRUE as one gets older. If there are no health issues, retirement is NOT GOING TO BE THAT COSTLY.

Actually, the data here doesn't reflect Indians accurately as there are hardly one generation of Indians that is going through 60+

All the MAJOR expenses are going to be between 40 to 50 (Kids education, mortgage etc.) and fortunately the one's income also peaks between 40 to 50. A
 

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Posted on Friday, June 29, 2018 - 09:16 am:       


Filmbuff:

Ee NRIs andaru cheri, ee DB lo ninchi manani tharimesetattu unnaru. Aa lekkalu enti, aa lokam enti...

India lo if a person has been earning 50 lakhs at age 40, if you take into account his income progression through the years - he would earned 3.5 cr as salary in 15 years. Out of that take out 30% for tax - he would have got 2.5 cr in hand. Load on education costs of 3 lakhs a year for 2 kids...so over 10 years (assuming he had kids at age 30) - 60 lakhs gone for education. Next housing - oka 50 lakhs theesukunte, month ki 50 K approx EMI. So another 60 lakhs gone (assuming he bought a house at age 30). Migatha karchulu anni - unko 30 lakhs vesukundi over 15 years. So net migilindhi : 2.5 - 0.6 - 0.6 - 0.3 = 90 lakhs. Inka car, holidays etc etc lekka veru...

In a nutshell even a well earning professional in India after 15 years of slogging his butt off would be having savings of between 50-75 lakhs. Adhi kastha pilla na kodukulu, sarigga ka sadavakapothe donation lo poddi.




Teesko naa saamirangaa five stars!
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Filmbuff
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Posted on Friday, June 29, 2018 - 09:13 am:       


Gotcha:

india lo kuda pre taxsavings untaya if u put in ur provident fund or something




Yes, PF lo 8.5% vasthadi. But that means your take home comes down to the extent that is deducted.
 

Gotcha
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Posted on Friday, June 29, 2018 - 09:12 am:       


Filmbuff:


india lo kuda pre taxsavings untaya if u put in ur provident fund or something
...
 

One
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Posted on Friday, June 29, 2018 - 09:00 am:       


Filmbuff:

Ee NRIs andaru cheri, ee DB lo ninchi manani tharimesetattu unnaru. Aa lekkalu enti, aa lokam enti...

India lo if a person has been earning 50 lakhs at age 40, if you take into account his income progression through the years - he would earned 3.5 cr as salary in 15 years. Out of that take out 30% for tax - he would have got 2.5 cr in hand. Load on education costs of 3 lakhs a year for 2 kids...so over 10 years (assuming he had kids at age 30) - 60 lakhs gone for education. Next housing - oka 50 lakhs theesukunte, month ki 50 K approx EMI. So another 60 lakhs gone (assuming he bought a house at age 30). Migatha karchulu anni - unko 30 lakhs vesukundi over 15 years. So net migilindhi : 2.5 - 0.6 - 0.6 - 0.3 = 90 lakhs. Inka car, holidays etc etc lekka veru...

In a nutshell even a well earning professional in India after 15 years of slogging his butt off would be having savings of between 50-75 lakhs. Adhi kastha pilla na kodukulu, sarigga ka sadavakapothe donation lo poddi.


every $ you save should make another $ is key ... right investments
 

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Posted on Friday, June 29, 2018 - 08:59 am:       


Filmbuff:

Home mortgage ki oka 6 K per month


 

Filmbuff
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Posted on Friday, June 29, 2018 - 08:40 am:       


Redclaw777:

Veella US figs vintuntey.....India lo unna manaki depression guaranteed...




Ee NRIs andaru cheri, ee DB lo ninchi manani tharimesetattu unnaru. Aa lekkalu enti, aa lokam enti...

India lo if a person has been earning 50 lakhs at age 40, if you take into account his income progression through the years - he would earned 3.5 cr as salary in 15 years. Out of that take out 30% for tax - he would have got 2.5 cr in hand. Load on education costs of 3 lakhs a year for 2 kids...so over 10 years (assuming he had kids at age 30) - 60 lakhs gone for education. Next housing - oka 50 lakhs theesukunte, month ki 50 K approx EMI. So another 60 lakhs gone (assuming he bought a house at age 30). Migatha karchulu anni - unko 30 lakhs vesukundi over 15 years. So net migilindhi : 2.5 - 0.6 - 0.6 - 0.3 = 90 lakhs. Inka car, holidays etc etc lekka veru...

In a nutshell even a well earning professional in India after 15 years of slogging his butt off would be having savings of between 50-75 lakhs. Adhi kastha pilla na kodukulu, sarigga ka sadavakapothe donation lo poddi.

 

Redbull
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Posted on Friday, June 29, 2018 - 06:12 am:       

i know it's easy to say, enjoy the moment don't worry about future..practically normal Joe's life won't work that way. If you happen to settle in india, and health takes a toll in later stages..you need the MONEY and lot of money to get better..

simple rule is that you can't have the money twice - it's either more income in your working years or it is saved into a pension then for your retirement years.
 

Ysr2009
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Posted on Friday, June 29, 2018 - 05:31 am:       

filmbuff babai,

$2K per month expenses is the biggest joke in your post
just monthly recurring bills easy gaa $1.5k vuntaayi

US lo good undegrad colleges ki cost of attendance is $70k/year

you didnt add $3k per month health insurance premiums

you took very ideal situation where both wife and husbands are working full time jobs at $75/hr on green cards with no layers.. but in most cases ikkada single income..

reality lo ikkada chillara migulthundi anthe
 

Redbull
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Posted on Friday, June 29, 2018 - 04:54 am:       

given last 10 years of good job market, if both wife and husband are working in good tech stack. and also if u have planned well and invested in right avenues.. circa $1 million is jijubi..

it's not just earning..putting your money right growth paths is important..maree high risk path also not necessaruy.just conservative head master tyfe life style vunte... chaalu "money earns you money"
 

Redclaw777
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Posted on Friday, June 29, 2018 - 04:09 am:       


Filmbuff:




Veella US figs vintuntey.....India lo unna manaki depression guaranteed...1 - 1.5 lac per month nowadays is barely sufficient for a basic living in Hyd....No scope for Asset Building...

Ikkada dabbulu sampaadhinchaalantey dabbulu kaavali....

 

Filmbuff
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Posted on Friday, June 29, 2018 - 03:30 am:       

Out of sheer ignorance i am asking - for folks in the US, even at USD75 per hour billing, one can make - 75 * 8 (hours)*240 (days) (assuming many are contractors). That is 144 K per year. If both husband and wife are working, the earning of a family is close to $300 K.

Assuming a family income of $300 K, take out 40% for taxes (very aggressive, but let's be conservative). That means take home for each family is $180 K per year. Schools are free, libraries are free, school buses are free. Home mortgage ki oka 6 K per month. Other expenses around 2 K per month. So net - net, one can save close to 80 K per year. If no mortage, savings can be immense.

Within 5-6 years, one can easily save $0.5 Mn. Am i missing something.
 

Polavaram
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Posted on Thursday, June 28, 2018 - 12:25 pm:       

Aa numbers koncham enti chala aggressive

Aa calculations lo 70 to 80% vunna chalu

Sari poka pothe

Sams lo no costco lo no

Free samples counter daggara koorchuni pani chesthe set
 

Ideal_brain
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Posted on Thursday, June 28, 2018 - 12:06 pm:       

you can also take insurance for extended care.. however it is expensive..
 

Twitter
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Posted on Thursday, June 28, 2018 - 10:38 am:       

denemma asale depressing thed esadu ysr kurrodu dhaniki thodu ee platy kurrod inka depressing posts chuss
 

Andhrawala
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Posted on Thursday, June 28, 2018 - 10:35 am:       


Platypus:

God doesn't decide anything. We are a self-controlled, self-aware society.




Unless u want to commit suicide, natural death is not in our hands

Lot depends on family history, current health, stress levels etc
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Platypus
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Posted on Thursday, June 28, 2018 - 10:21 am:       


Ysr2009:

What will you do if God decides to give you full 100 years of life?




God doesn't decide anything. We are a self-controlled, self-aware society.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 09:49 am:       

>> 65 ki retirement pucchukoni thanuvu chaalinchadame option.

What will you do if God decides to give you full 100 years of life?
 

Platypus
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Posted on Thursday, June 28, 2018 - 09:46 am:       


Maverick:




Atlaithe, case closed. Prashaantamgaa 65 ki retirement pucchukoni thanuvu chaalinchadame option.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Maverick
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Posted on Thursday, June 28, 2018 - 09:29 am:       


Platypus:

Annaayi... 100K column lo 65 years number adhi. Are we looking at the same chart?




you should look at late 30/40, and multiply the factor of ur current income to see how much u saved so far..
There's a cacophony in the truth, A melody in lies and it accompanies one on every journey, From the lows to the highs
 

Andhrawala
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Posted on Thursday, June 28, 2018 - 09:28 am:       


Platy:

Adhe guru gaaru.. adhi entha? Assuming own house and settled kids. How much savings are needed in a place like Hyderabad (and Nellore) to carry on life without depending financially on others?




My guess assuming India expenses are around 10% of US expenses, you shall be good having some 2-3 cr at the max and 1 cr at the minimum
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Platypus
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Posted on Thursday, June 28, 2018 - 09:17 am:       


Ysr2009:

nee Current age entha andedaanni batti, nuvvu already entha save chesi vundaaali anedi aa table lo vundi..




Ok. So I should have around 400K savings by now. Ante - 2.75 crores anna maata



woefully short of that number.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 09:13 am:       

Platypus:

You are interpreting the tables wrong..

nee Current age entha andedaanni batti, nuvvu already entha save chesi vundaaali anedi aa table lo vundi..

It's not about future..
 

Platypus
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Posted on Thursday, June 28, 2018 - 09:10 am:       


Ysr2009:

You can't ignore..

you should plan for the worst case..




Adhi evari health paristhithi batti vaallu veskuntaaru. Good health number in Hyd entha?
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 09:08 am:       

>> Aa equations ippudu veyyadam kashtam kaabatti health factor ni ignore chesi cheppandi.

You can't ignore..

you should plan for the worst case..
 

Platypus
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Posted on Thursday, June 28, 2018 - 09:08 am:       


Maverick:

dorikadu donga, ante u make 200-250k..with a multiplier of ~4




Annaayi... 100K column lo 65 years number adhi. Are we looking at the same chart?
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Platypus
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Posted on Thursday, June 28, 2018 - 09:06 am:       


Andhrawala:



Andhrawala:

Own house, settled kids, good health and enough money to carry on life without depending financially on anyone ante adhe 10,000.




Adhe guru gaaru.. adhi entha? Assuming own house and settled kids. How much savings are needed in a place like Hyderabad (and Nellore) to carry on life without depending financially on others?

Health anedhi changes the equations dramatically. Cancer unte chaalaa kaavaali, diabetes ayithe probably antha avasaram undakapovacchu. Stroke vacchi paralyse ayithe inkaa kaavaalsosthundhi. Aa equations ippudu veyyadam kashtam kaabatti health factor ni ignore chesi cheppandi. We can add depending on our health situation.

Pillalaku 25 years vacchi manchi job/business/art whatever unte - settle ayinatle assume cheskovacchu. Pelli gatra vaallishtam.

Rought gaa 65 ki pen down anipisthoondhi.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Film_fan
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Posted on Thursday, June 28, 2018 - 09:04 am:       

dorikadu donga, ante u make 200-250k..with a multiplier of ~4
-


neeku dhandam yedatha...ayanaki neersam theppinchaddu.....

combodia vs UK life style ani kummuthaadu thread vesi....
We are what we repeatedly do. Excellence, then, is not an act, but a habit.
-- Aristotle
 

Maverick
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Posted on Thursday, June 28, 2018 - 09:02 am:       


Platypus:

1.13 million anta naaku


dorikadu donga, ante u make 200-250k..with a multiplier of ~4
There's a cacophony in the truth, A melody in lies and it accompanies one on every journey, From the lows to the highs
 

Andhrawala
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Posted on Thursday, June 28, 2018 - 09:00 am:       


Platypus:

1.13 million anta naaku - Ante India lo 10 crores.

Andhulo sagaaniki sagam vacchinaa happy.

I agree that 65 tarvata life light teesukovadam better.




Platy - ee 1.13 million anedhi based on US expenses

Ikkada health care expensive, utilities etc are all much epxensive when compared to India

Since you will be in India antha avsaram ledhu

Own house, settled kids, good health and enough money to carry on life without depending financially on anyone ante adhe 10,000.

Grandchidlrens ki occasions ki gift icche range and konchem seva karyakramalaki paisalu icche range vunte saalu
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Maverick
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Posted on Thursday, June 28, 2018 - 09:00 am:       


Film_fan:

Love...spending time....spreading love....sharing love.....raising them to look after you.....

chaala baguntayi chadavataniki......



There's a cacophony in the truth, A melody in lies and it accompanies one on every journey, From the lows to the highs
 

Film_fan
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Posted on Thursday, June 28, 2018 - 08:59 am:       

koosantha practical ganey unnayi gotcah cheppinavi,,,,Love...spending time....spreading love....sharing love.....raising them to look after you.....

chaala baguntayi chadavataniki......

but to take no chance in a real world.....where you have to pay for every service.....you have to save.....entha anedhi.....debatable....but some cushion is very much welcome.....
We are what we repeatedly do. Excellence, then, is not an act, but a habit.
-- Aristotle
 

Speaker
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Posted on Thursday, June 28, 2018 - 08:58 am:       


Platypus:




neeyavva...

poddunne lesthe...eppudo chastamo...eppudu adi ayipoddo...idi ayipoddo...roju chasthu ennallani brathukutaam...

brathikinantha kaalam chaave lenattu sukhanga brathiki...brathuku ni aaswadinchu...ade brathuku yokka artham...paramaartham...

bongu boshaaanam...

legehess...nuvvu nee niraaasa niraasya pidi vaaadam....
You are Either with Us or NOT with Us..
My Way or Highway.......
 

Platypus
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Posted on Thursday, June 28, 2018 - 08:54 am:       

Pillalu settle avvaali. Tarvata health baagunnantha varaku OK. It need not exactly 65... but around that (in my case). Given my health trajectory and the projections, I think my time to call it a day is around 65 ie if I am alive till that point.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Platypus
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Posted on Thursday, June 28, 2018 - 08:52 am:       


Ysr2009:

Suicide chesukokundaa, mana istham isthma vacchinappudu tanuvu chaalinchadam elaa saadhyam Platypus?




Naa uddesham, nenu telugu lo cheppinadaaniki exact English padam vaadi "You mean this?" annaavani alaa daruvesaa :D :D

That's exactly what I meant.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Speaker
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Posted on Thursday, June 28, 2018 - 08:50 am:       

Live Life Like You Love...

Die Like you Like to Die...
You are Either with Us or NOT with Us..
My Way or Highway.......
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 08:48 am:       

>> Ante tanuvu chaalinchadam ani kavi hrudayam.

Suicide chesukokundaa, mana istham isthma vacchinappudu tanuvu chaalinchadam elaa saadhyam Platypus?

mana chethullo emi ledu..
 

Alochinchu
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Posted on Thursday, June 28, 2018 - 08:47 am:       

The actual life starts at 60 after all the responsibilities.. do not be burden to kids or society.. plan accordingly.. andharu Millions lo chusi kangaru paduthunaaru.. you do not take money from savings.. you have to use the earnings from the savings.. $1M savings will be $60K to $70K per year in good market..the early you start the better you can reach the goal..

old age lo kuda pette cheyyi avvaligani.. cheyyi chaache avasarmu rakudadhu..
 

Platypus
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Posted on Thursday, June 28, 2018 - 08:45 am:       


Gotcha:

dude 65 is just round the corner its not too old denemma 65 ki chalinchadam enti mahasaya




Talking about myself le annaayi... Andari gurinchi kaadu.


Ysr2009:

>> Ante tanuvu chaalinchadam ani kavi hrudayam.

you mean Suicide?





This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Happydays
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Posted on Thursday, June 28, 2018 - 08:43 am:       


Sasibabu:

just for a rainy day save chesukunte chaalu




nee enkati basu...i came to know that you are rich.
Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida,Rohit Sharma
 

Gotcha
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Posted on Thursday, June 28, 2018 - 08:42 am:       


Platypus:


dude 65 is just round the corner its not too old denemma 65 ki chalinchadam enti mahasaya
...
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 08:42 am:       

>> Ante tanuvu chaalinchadam ani kavi hrudayam.

you mean Suicide?
 

Platypus
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Posted on Thursday, June 28, 2018 - 08:41 am:       


Ysr2009:

life light teesukovadam ante enti babai? please explain in detail




Ante tanuvu chaalinchadam ani kavi hrudayam.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Speaker
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Posted on Thursday, June 28, 2018 - 08:37 am:       

Invest on Land...however little it is...it will fetch u manifold...


cryptos, stocks anni joodarulake...
avi artham ayyi saaavavu...unna konchem bocchu oodi chetiloki raatam tappa...

i used to be under a wrong impression that, if u buy residential land..that it should be atleast 200 SQ Yards, but seen people buying as little as 48 sq yards too...n selling it for 30 times the cost price...
You are Either with Us or NOT with Us..
My Way or Highway.......
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 08:37 am:       

>> 65 tarvata life light teesukovadam better

life light teesukovadam ante enti babai? please explain in detail
 

Gotcha
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Posted on Thursday, June 28, 2018 - 08:36 am:       

I posted same message 10 times so people can get it into their head save for urself dont depend on others particularly ur kids. Inni chepina cheyakapote light
...
 

Platypus
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Posted on Thursday, June 28, 2018 - 08:34 am:       

1.13 million anta naaku - Ante India lo 10 crores.

Andhulo sagaaniki sagam vacchinaa happy.

I agree that 65 tarvata life light teesukovadam better.
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Ysr2009
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Posted on Thursday, June 28, 2018 - 08:31 am:       

Gotcha:

lot of DBers are living in fantasy world.

from 65 to 85, vaallu cheyyadalchukunna panlu

- Farmhouse lo extensive farming
- going on World tours
- Telling chandamama kathalu to grand kids and raising them as good citizens
- enjoying life with perfect health
- if they get sick, suicide chesukovatam.. because they think it is not worth living with sickness
- if they have to live in old age home, malli suicide chesukovatam.. because they think they are too bad
- ...

all with no/little retirement money


Quite funny actually..

...
 

Gotcha
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Posted on Thursday, June 28, 2018 - 07:48 am:       


Rangoon:

daani kosamu ippadi nundi appati life nu uhinchokoni bathukaala


mee UK valaki quality of life teledu chuss.
Usa lo pandu musali ayina livesbetter with different fadgers those all cost money u will realize it after a decade trust me
...
 

Rangoon
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Posted on Wednesday, June 27, 2018 - 10:01 pm:       

sukanga bathakadaaniki no measurements

sukamu annadhi brama kastamu annadhi manassu bavamu
 

Rangoon
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Posted on Wednesday, June 27, 2018 - 09:59 pm:       

today life is urs

how to spends plan for it.

bed meedha kadalaleni stage lo ayyina tharuvaatha 2 to 3 years only life.

daani kosamu ippadi nundi appati life nu uhinchokoni bathukaala.
 

Xxx
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Posted on Wednesday, June 27, 2018 - 09:58 pm:       


Andhrawala:

MAGI shall be below 186,000


i.e for roth ?
-
 

Andhrawala
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Posted on Wednesday, June 27, 2018 - 09:49 pm:       

MAGI shall be below 186,000
No Signature
 

Andhrawala
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Posted on Wednesday, June 27, 2018 - 09:48 pm:       

Mahiz,

Assuming you are married.

If so I come limits are there

MAGI shall be below
No Signature
 

Xxx
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Posted on Wednesday, June 27, 2018 - 09:47 pm:       


Mahiz:

. ira ki 5500 contribute chesthe tax benefit unda




regular ira you can , but their are limits on income

https://www.fidelity.com/retirement-ira/contribution-limits- deadlines

ira you cannot remove your money untill retirement and you will end up paying taxes then
-
 

Mahiz
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Posted on Wednesday, June 27, 2018 - 09:42 pm:       

Oka question .. consulting lo unna ... ira ki 5500 contribute chesthe tax benefit unda .. or else doesit depend on annual income ?
Janani Janma-bhoomi-scha Swargadapi Gariyasi
 

Bingo
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Posted on Wednesday, June 27, 2018 - 08:09 pm:       


Andhrawala:

adhenti naaku 1.3 million by age 65 ani soopisthunnadhii




depends on current income kada.. his might be around $200k..
 

Speaker
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Posted on Wednesday, June 27, 2018 - 08:07 pm:       


Andhrawala:

OG annaai maata vini 150K invested in TRON




150K paisalaaaaa??

Kikiki
You are Either with Us or NOT with Us..
My Way or Highway.......
 

Vishvak
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Posted on Wednesday, June 27, 2018 - 08:05 pm:       


Shivavishnu:

have life insurance till age 70, enjoy the life with family. spend lot of time with kids and make them well educated and good citizens. that is enough


well said... and appudappudu TANA/ATA events ki vere oorlu ontariga vellandi chalu...

Vi veri universum vivus vici
 

Andhrawala
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Posted on Wednesday, June 27, 2018 - 07:33 pm:       


Sasibabu:

aa table lo cheppinattu 65 years vachaaka nuvvu 3 M save chesi em peekuthaav.... kodukulaku katta gatti isthaavaa ...aadu denkapedithe .... appudu nee life motham waste sesukunnattegaa




adhenti naaku 1.3 million by age 65 ani soopisthunnadhii
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Andhrawala
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Posted on Wednesday, June 27, 2018 - 07:31 pm:       


Khaleja:

invest in crypto. eyes closed. save the password. open those accounts after 65 years of age. you will be shocked.




OG annaai maata vini 150K invested in TRON

Nee dto see how much it becomes in 2035
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Bingo
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Posted on Wednesday, June 27, 2018 - 07:06 pm:       


Shivavishnu:

Manaku chaalaaa istamaina vyakthi oka roju manaku kanapadakapiothe yelaa untundhi. Same thing.




miru cheppe daniki ikkada topic ki sambhandam enti asalu? Kids/GrandKids tho relation entha baaga unna vallu financially support chestarani guarantee enti? What if your kids don't earn enough to be able to support their own kids as well as you and your spouse?

This thread is for people wishing to be not dependent on the kids or the government after the retirement. With that in mind, I don't think the data in this chart is any wrong. For couple who are 35 years old and earning $150k pa, $2M at 65 years is a good target. You still have at least 20 years to live. Retire ayyaka monthly expenses still 50-60% of current expenses untayi. Plus add any health related expenses if you/spouse have a condition that requires frequent hospital visits or expensive medication. You need to be able to afford that for 20+ years for two people.
 

Sannayi_nokkulu
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Posted on Wednesday, June 27, 2018 - 06:33 pm:       


Ustad:

am licked


already nakesa nenu
sachipotava , avineethi ga batukutava okkate option ante alochinchakunda chachipotaa ane type cbn - OT
 

Maverick
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Posted on Wednesday, June 27, 2018 - 06:33 pm:       


Ustad:



There's a cacophony in the truth, A melody in lies and it accompanies one on every journey, From the lows to the highs
 

Gotcha
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Posted on Wednesday, June 27, 2018 - 06:26 pm:       


Ustad:


me pf nunchi rojuku oka share ammina 100 years varaku easy ga batikeyavachu kada
...
 

Ustad
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Posted on Wednesday, June 27, 2018 - 06:22 pm:       


Ysr2009:

https://i.imgur.com/mETrIko.jpg


I am licked
I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw
 

Cheenu
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Posted on Wednesday, June 27, 2018 - 06:09 pm:       

There is no Hard and Fast rule that you need to follow certain graph while saving for your retirement.

It varies from individual to individual. Some one can live happily on $2000 and some one needs $10k (this is current scenario)

You definetly need 2k/month+ SS benefits and medicare at the least in present day. That would be a min. So depending on the future inflation and socio-economic factors you need to adjust your retirement savings.

You definetly need to save but You don’t have to be overly miser. I usually save 15-20% for retirement 15-20% for my fun/ recreational activities. Rest day to day things and payments
 

Mahiz
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Posted on Wednesday, June 27, 2018 - 06:07 pm:       


Sasibabu:

aa table lo cheppinattu 65 years vachaaka nuvvu 3 M save chesi em peekuthaav




ante meeru 250K bracket aa
Janani Janma-bhoomi-scha Swargadapi Gariyasi
 

Shivavishnu
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Posted on Wednesday, June 27, 2018 - 06:05 pm:       


Gotcha:



Gotcha:




Neeku adhe teliyanindhi. USA grand kids need grand parents more than India kids. They love spending time with grand parents.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Shivavishnu
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Posted on Wednesday, June 27, 2018 - 06:03 pm:       

Speaker neeku alaaa arthamu ayyindhaa.

What I meant is with love. Prathi dhaaniki mana meedha depend avamani kaadhu.

Manaku chaalaaa istamaina vyakthi oka roju manaku kanapadakapiothe yelaa untundhi. Same thing.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Gotcha
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Posted on Wednesday, June 27, 2018 - 05:26 pm:       


Shivavishnu:

hat's why I tell spend lot of time with kids and make strong bond and connection with them. Nuvvu okka roju kanapadakapothe vallaku pichi yekkali.


denemma sonta pilale leka cheyaru ra babu ante usa lo unde grand kids lekka chestara. they dont specnd time with other prople but play video games inka neeto ekkda chestaru babu. chaala edagali pardu neeku inka realty ardam kataledu,
...
 

Speaker
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Posted on Wednesday, June 27, 2018 - 05:25 pm:       


Shivavishnu:

Nuvvu okka roju kanapadakapothe vallaku pichi yekkali.




Idemi mentality raaa naayana...???

Antha dependent ga penchinaaa kooda probleme...

U should only guide them.. should never be their driver...
You are Either with Us or NOT with Us..
My Way or Highway.......
 

Ysr2009
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Posted on Wednesday, June 27, 2018 - 05:25 pm:       

Shivavishnu babai:

you are in some imaginary fantasy world.. dream on..
 

Mahiz
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Posted on Wednesday, June 27, 2018 - 05:23 pm:       


Shivavishnu:

that's why I tell spend lot of time with kids and make strong bond and connection with them. Nuvvu okka roju kanapadakapothe vallaku pichi yekkali.




enduku alaga
Janani Janma-bhoomi-scha Swargadapi Gariyasi
 

Twitter
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Posted on Wednesday, June 27, 2018 - 05:21 pm:       

 

Sasibabu
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Posted on Wednesday, June 27, 2018 - 05:17 pm:       


Ysr2009:

after 65 years age, suicide chesukovaalaa endi nee lekka prakaaram?


avasarledhu....Just go with the flow ....chinna chinna jabbulaku medical expenses vundentha chaalu .... oooo kotlu kotlu thagalesthe gaani inko 5 years bathakam ante lite
 

Shivavishnu
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Posted on Wednesday, June 27, 2018 - 05:15 pm:       

entivayyaa.. after 65 years age, suicide chesukovaalaa endi nee lekka prakaaram?//


that's why I tell spend lot of time with kids and make strong bond and connection with them. Nuvvu okka roju kanapadakapothe vallaku pichi yekkali.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Shivavishnu
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Posted on Wednesday, June 27, 2018 - 05:13 pm:       

entivayyaa.. after 65 years age, suicide chesukovaalaa endi nee lekka prakaaram?//

spend time with grand kids, tell stories to them, make them good citizens also, spend time at temples. old age home undi yemi chestaaavu.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Sesani
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Posted on Wednesday, June 27, 2018 - 04:47 pm:       


Sannayi_nokkulu:

neekenti baa sensitive prj lo chestunnav....gantaki 200 ***tunnav.....


project maatrame sensitive... billing maatram chillara
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:34 pm:       


Ferrari:

age lo kaadhu..maturity lo..






watevvaa ..dont care !!!
 

Ferrari
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Posted on Wednesday, June 27, 2018 - 04:33 pm:       


Nanigadulocal:

pillodni chesii ragging chesthunaraa ??


special ga cheyatam enti..already pillodive kadha..age lo kaadhu..maturity lo..:D
 

Platypus
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Posted on Wednesday, June 27, 2018 - 04:31 pm:       


Nanigadulocal:

idhi enti saar .




https://en.wikipedia.org/wiki/Irish_Republican_Army
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:29 pm:       


Platypus:

Irish Republican Army






idhi enti saar ..
pillodni chesii ragging chesthunaraa ??
 

Khaleja
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Posted on Wednesday, June 27, 2018 - 04:29 pm:       


Nanigadulocal:

choosthee shock avutharuu video laa cheppavvuu




kiki.
 

Khaleja
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Posted on Wednesday, June 27, 2018 - 04:29 pm:       


Platypus:

Gunde thattukoledhemo aa number choosaaka




millions untayehe.
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:28 pm:       


Khaleja:

you will be shocked.




choosthee shock avutharuu video laa cheppavvuu
 

Platypus
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Posted on Wednesday, June 27, 2018 - 04:28 pm:       


Nanigadulocal:


wat is this ??




IRA teliyadhaa? Enti saami maree nuvvu. IRA ante Irish Republican Army
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Platypus
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Posted on Wednesday, June 27, 2018 - 04:27 pm:       


Khaleja:

invest in crypto. eyes closed. save the password. open those accounts after 65 years of age. you will be shocked.




Gunde thattukoledhemo aa number choosaaka
This world appearance is a confusion: even as the blueness of the sky is an optical illusion. I think it is better not to let the mind dwell on it, but to ignore it.
 

Khaleja
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Posted on Wednesday, June 27, 2018 - 04:27 pm:       

invest in crypto. eyes closed. save the password. open those accounts after 65 years of age. you will be shocked.
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:20 pm:       


Ysr2009:

Traditional IRA




wat is this ??
and alos y desi consultancies never do this 401k stuff ??
any specific reason ?
 

Aquarian
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Posted on Wednesday, June 27, 2018 - 04:19 pm:       

mana thaathaluu save chesi..mana parentsuu save chesi ....manamuu save chesi...inka evadau andii enjoy sesedhi....ee table ni madichiiiii
 

Ysr2009
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Posted on Wednesday, June 27, 2018 - 04:13 pm:       

>> NGL: appudu aa money amei avudhii ??

You can keep it there if they allow.. Or roll over it to Traditional IRA
 

Gotcha
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Posted on Wednesday, June 27, 2018 - 04:13 pm:       


Nanigadulocal:


that 401k will continue kotha money emi add avadu aa pf loki ante.
...
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:11 pm:       


Gotcha:

amount in 401k




naku okaa dovut with 401K
..
ippdu FT lo aithee 401k untahdii .. adhe malli concsulting comp (desi comps) ki pothee undadhuuu kadaa ..
appudu aa money amei avudhii ??
for example 2 yr FT chesaa okaa comp ki.. twarthaa desi consulnatcy ki poyaa wer there is no 410K .. appudu paristhithi entii ??
 

Gotcha
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Posted on Wednesday, June 27, 2018 - 04:09 pm:       


Ysr2009:


perfectly said. u must be in 40's so u know the realty, kurrolu must be in 30's or full time contracting with zero amount in 401k so they didnt realise it yet.
...
 

Bunty717
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Posted on Wednesday, June 27, 2018 - 04:08 pm:       

80% of your pay vochetee tattu planning cheyandi after retirement..
 

Ysr2009
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Posted on Wednesday, June 27, 2018 - 04:07 pm:       

US lo assisted living facilities lo join ayithe, you are expected to pay $4K+ min per person per month.. ade Nursery homes lo ayithe $6K+ per person per month..

don't take it lightly guys..


whether you retire in India or in USA, you should save enough
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 04:05 pm:       

chala disturbing gaa undhi ee theduu ..
mods pls delete this thread :-(
 

Ysr2009
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Posted on Wednesday, June 27, 2018 - 04:04 pm:       

life expectancy in US is 86 now..

65 to 86 - almost 20 years.. you shouldn't become a burden for your kids.. so, you should save enough
 

Ysr2009
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Posted on Wednesday, June 27, 2018 - 04:02 pm:       

>> Shivavishnu: move kaaleni old age nuvvu brathiki saadhinchedhi yenti. let it go.

entivayyaa.. after 65 years age, suicide chesukovaalaa endi nee lekka prakaaram?
 

Sasibabu
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Posted on Wednesday, June 27, 2018 - 03:59 pm:       


Ysr2009:

who will pay for your medical expenses?

When you can't move on old age, you need assistance, which will cost $$$$$$$$$$$$


401k ...matta ....mannu...masaanam...andhukegaa sir ... ofcourse 65 paatu save ye save chesi 65 dhaataka peekedhi kooda em ledhule lifeline inko 5 years mandhula meedha extend chesi eesuroooo ani bathakatam kante
 

Gotcha
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Posted on Wednesday, June 27, 2018 - 03:58 pm:       


Ysr2009:

ho will pay for your medical expenses?

When you can't move on old age, you need assistance, which will cost $$$$$$$$$$$$


exccatly if u r too old mana age guys no one wants to live in India where they treat u like shit. everyone will want to come running to usa and get treated here daaniki paisalu kavali. so be prepared guys paisalu lekapote koduku kuturu kuda chudaru ninnu beleive that.
...
 

Ferrari
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Posted on Wednesday, June 27, 2018 - 03:57 pm:       

endhuko ittanti theds either awala or ysr2009 estaru..iddaru mid 40's..bhumi puttanpudu US ki vacharu..easy ga oka 10 crores venaka esi untaru..but still ittanti theds estaru..
 

Shivavishnu
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Posted on Wednesday, June 27, 2018 - 03:56 pm:       

When you can't move on old age, you need assistance, which will cost $$$$$$$$$$$$//

move kaaleni old age nuvvu brathiki saadhinchedhi yenti. let it go.

best life is have active happy life.
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Fargo
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Posted on Wednesday, June 27, 2018 - 03:55 pm:       


Nanigadulocal:


welcome to the club
 

Nanigadulocal
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Posted on Wednesday, June 27, 2018 - 03:53 pm:       

naa daridram enti antee ..check cheskunadam antee aa image kudaa open avvadam ledhuu ...
chuss
 

Sannayi_nokkulu
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Username: Sannayi_nokkulu

Post Number: 27751
Registered: 06-2014
Posted From: 68.100.232.143

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Posted on Wednesday, June 27, 2018 - 03:53 pm:       


Sesani:

nen licked emo... no retirement


neekenti baa sensitive prj lo chestunnav....gantaki 200 ***tunnav.....:D
sachipotava , avineethi ga batukutava okkate option ante alochinchakunda chachipotaa ane type cbn - OT
 

Ringo_rangaswamy
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Username: Ringo_rangaswamy

Post Number: 20277
Registered: 02-2011
Posted From: 47.17.50.143

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Posted on Wednesday, June 27, 2018 - 03:53 pm:       


Sasibabu:

aadu denkapedithe .... appudu nee life motham waste sesukunnattegaa


 

Nanigadulocal
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Username: Nanigadulocal

Post Number: 10098
Registered: 09-2016
Posted From: 63.79.91.20

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Posted on Wednesday, June 27, 2018 - 03:53 pm:       


Sesani:

Manchi M tappa 1C Rupees kua levvu eedchi tannina.






nee M ni madichiiii ...
 

Ysr2009
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Username: Ysr2009

Post Number: 6352
Registered: 03-2014
Posted From: 129.135.1.217

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Posted on Wednesday, June 27, 2018 - 03:52 pm:       

>> no need of money
>> that is enough
>> just for a rainy day save chesukunte chaalu

who will pay for your medical expenses?

When you can't move on old age, you need assistance, which will cost $$$$$$$$$$$$
 

Sesani
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Username: Sesani

Post Number: 59124
Registered: 08-2014
Posted From: 108.171.131.170

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Posted on Wednesday, June 27, 2018 - 03:52 pm:       

Naa G is 35 yrs old...

Manchi M tappa 1C Rupees kua levvu eedchi tannina... (including assets)

nen licked emo... no retirement
 

Gotcha
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Username: Gotcha

Post Number: 30420
Registered: 02-2008
Posted From: 172.87.56.134

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Votes: 1 (Vote!)

Posted on Wednesday, June 27, 2018 - 03:52 pm:       


Sasibabu:

kodukulaku katta gatti isthaavaa ...aadu denkapedithe


pillaku kaadu understand the true american way of life, NEVER EVER depend on others even if it is ur children when u retire. always be prepared with urself.
...
 

Fargo
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Username: Fargo

Post Number: 14777
Registered: 04-2012
Posted From: 205.167.198.122

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Posted on Wednesday, June 27, 2018 - 03:49 pm:       

entha vundi? blocked aa site
 

Shivavishnu
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Username: Shivavishnu

Post Number: 2929
Registered: 10-2010
Posted From: 8.45.137.10

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Posted on Wednesday, June 27, 2018 - 03:48 pm:       

have life insurance till age 70, enjoy the life with family. spend lot of time with kids and make them well educated and good citizens. that is enough
Om Namah Shivaya.....Om Namo Narayanaaaya....
 

Sasibabu
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Username: Sasibabu

Post Number: 59446
Registered: 11-2009
Posted From: 67.98.222.35

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Posted on Wednesday, June 27, 2018 - 03:45 pm:       


All_day:

India lo already oka 100Cr enkesavu,


kaneesam oka 5 crs kooda vundav jee motham ammi denkinaa.... meekevaro wrong info ichaar
 

Sasibabu
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Username: Sasibabu

Post Number: 59445
Registered: 11-2009
Posted From: 67.98.222.35

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Posted on Wednesday, June 27, 2018 - 03:44 pm:       

aa table lo cheppinattu 65 years vachaaka nuvvu 3 M save chesi em peekuthaav.... kodukulaku katta gatti isthaavaa ...aadu denkapedithe .... appudu nee life motham waste sesukunnattegaa
 

All_day
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Username: All_day

Post Number: 5032
Registered: 06-2012
Posted From: 107.0.27.252

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Posted on Wednesday, June 27, 2018 - 03:43 pm:       


Sasibabu:

anthaa save chesukuni gaddi peekaalaa...enjoy cheyyandesss.....life is short .... just for a rainy day save chesukunte chaalu




neekednhi saami, India lo already oka 100Cr enkesavu, enni kaburlu aiina cheputaavu
I could introduce myself properly, but it's not really necessary. You will know me well enough and soon enough, depending on a diverse range of variables. It suffices to say that at some point in time, I will be standing over you, as genially as possible. Your soul will be in my arms. A color will be perched on my shoulder. I will carry you gently away....
 

Sannayi_nokkulu
Megastar
Username: Sannayi_nokkulu

Post Number: 27745
Registered: 06-2014
Posted From: 68.100.232.143

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Posted on Wednesday, June 27, 2018 - 03:42 pm:       


Sasibabu:

life is short .... just for a rainy day save chesukunte chaalu



sachipotava , avineethi ga batukutava okkate option ante alochinchakunda chachipotaa ane type cbn - OT
 

Sasibabu
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Username: Sasibabu

Post Number: 59444
Registered: 11-2009
Posted From: 67.98.222.35

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Posted on Wednesday, June 27, 2018 - 03:41 pm:       

anthaa save chesukuni gaddi peekaalaa...enjoy cheyyandesss.....life is short .... just for a rainy day save chesukunte chaalu
 

Ysr2009
Side Hero
Username: Ysr2009

Post Number: 6351
Registered: 03-2014
Posted From: 129.135.1.217

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Posted on Wednesday, June 27, 2018 - 03:29 pm:       

https://i.imgur.com/mETrIko.jpg

ee paina table choopiste, colleagues are laughing.

naa anumaanam, this doesn't include house/cars/etc.. anukuntaa..

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