| Author | Message | ||
Savyasachi Side Hero Username: Savyasachi Post Number: 2842 Registered: 12-2013 Posted From: 71.203.102.171 Rating: N/A |
try local credit unions. they will give better rates on CDs and probably wont charge early withdraw fee. | ||
Hero Hero Username: Hero Post Number: 13279 Registered: 09-2009 Posted From: 104.177.182.44 Rating: N/A |
US lo years years undi....kids ikkada putti...ikkade settle for ever anukone vallu india lo investing ante..... very bad planning annattu | ||
Teluguswift Junior Artist Username: Teluguswift Post Number: 622 Registered: 07-2014 Posted From: 24.4.73.4 Rating: N/A |
Ante india lo invest chesinavi kooda kalupukoni.Def US lo unde mana vallu vacchindi vacchinattu india lo invest chestam .Inka ikkada savings emuntayi. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18944 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
U r right sir | ||
Musafir Junior Artist Username: Musafir Post Number: 251 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
"Bitcoins have no intrinsic value." Repeat this sentence 10 times. You are not producing anything. Speculative growth is what drove it's growth. Stocks are for companies that have financials. You invest in those companies, they spend, they generate revenues, and they turn profits/losses. Unless you are like a Film camera company that went obsolete in no time, you have a product and a management to govern. In other words, they have intrinsic value. Yes, there is risk. But to find something like Bitcoin in stocks is totally based on bad luck. | ||
Mahiz Side Hero Username: Mahiz Post Number: 3165 Registered: 10-2012 Posted From: 165.225.35.1 Rating: N/A |
good place to start is here https://www.bogleheads.org/wiki/Lazy_portfolios IQ : 25 | ||
Musafir Junior Artist Username: Musafir Post Number: 250 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
He is pulling your leg. 65K - 48K after tax income (Low tax estimate) 100K - 75K after taxes. With 1 car payment (~500 pm) and 1500 rent, 1500 for food etc.. You are looking at around 40K yearly expenses. So, at 65K income, you would save very little. At 100K, You are looking at 30K or so savings (But consider 401K as part of savings too). You take a vacation, go to India, 5K easy expenses that go out of your savings. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18942 Registered: 09-2016 Posted From: 161.168.251.108 Rating: |
annna think twice/thrice ilanee aasa padi bitcoins lo ettii 2500 bokka ettukunnaa  | ||
Pullarao Comedian Username: Pullarao Post Number: 1149 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
thanks for info.. anni CDs lone kakunda.. 20% indulo tosthe bettremo. will research. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18941 Registered: 09-2016 Posted From: 161.165.196.108 Rating: N/A |
saving money is not a big deal .. parthi puski fellow can do it investing it wisely anedhii thops maathram ee cheyagalaru | ||
Pullarao Comedian Username: Pullarao Post Number: 1148 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
yes, .. starting early is key to wealth ani chana articles chadiva. so telling. dabbulu save cheyi and invest in some form. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18939 Registered: 09-2016 Posted From: 161.165.196.108 Rating: N/A |
ofcourse ....month ki $2000-2500 save cheyaleni valluu ikkadaa undam waste ani monnee sesani cheppadu | ||
Bumper Hero Username: Bumper Post Number: 16560 Registered: 07-2014 Posted From: 161.11.160.176 Rating: N/A |
30k kuda ledhu. very disastrous performance aa aithey? | ||
Pullarao Comedian Username: Pullarao Post Number: 1147 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
correct aithe cheppalemu.. age etc matters. But mu thumb rule, at least 15%-20% of paycheck savings+ 401K max-out and invested + emergency money. extra ante - on the way for financial freedom in someway (REs, secondary income etc) experts here guide youngsters like us. Biggest debbalu like expensive cars, unwanted big houses, no-minimum investments lantivi must ga avoid cheyali. | ||
Bumper Hero Username: Bumper Post Number: 16559 Registered: 07-2014 Posted From: 161.11.160.176 Rating: N/A |
income range from 65k-100. 3 and half years single. no dependents rent. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18938 Registered: 09-2016 Posted From: 161.167.229.18 Rating: N/A |
yr ki 30k chappunaa 150K minimum | ||
Musafir Junior Artist Username: Musafir Post Number: 249 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
More details required. Income kitna? Dependents kitne? Own/Rent? | ||
Bumper Hero Username: Bumper Post Number: 16558 Registered: 07-2014 Posted From: 161.11.160.176 Rating: N/A |
inka clear ga 5 years lo entha save chesthey baga save chesinatlu? | ||
Musafir Junior Artist Username: Musafir Post Number: 248 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
This is looking attractive to me because, it just went through some legal troubles and through with them. Upside potential is high. In my view. But very risky too. | ||
Bumper Hero Username: Bumper Post Number: 16557 Registered: 07-2014 Posted From: 161.11.160.176 Rating: N/A |
2014 jan lo job start chesina vallu entha saving chesi undali ipatikii? | ||
Musafir Junior Artist Username: Musafir Post Number: 247 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
NHI - Bullish - ~5% Div Yield - 21.99 P/E - Real Estate Sector CIM - Bullish - ~10.5% Div Yield - 8.19 P/E - Financials Sector MBT - Very Bullish - ~10.4% Div Yield - 8.23 P/E - Communication services Sector These are looking good to me. Do your own research and invest. There is security in fixed rate deposits or savings accounts. You won't lose your principal. In stocks, you MAY. Having said that, Dividend yield and strong companies, meaning, you get your yield irrespective of market conditions. | ||
Pullarao Comedian Username: Pullarao Post Number: 1146 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Millionaire vi kuda ayi poyi untav.  | ||
Pullarao Comedian Username: Pullarao Post Number: 1145 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
super annatllu.. ante nannu comparison teesukunna anuko. | ||
Twotown Hero Username: Twotown Post Number: 12961 Registered: 09-2016 Posted From: 8.36.33.52 Rating: N/A |
yep. padhellu ayyindhi... | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18937 Registered: 09-2016 Posted From: 161.165.196.108 Rating: N/A |
3yr lo 100K save chesthee manchi gaa save chesinattuu aa kadhaa ?? | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18936 Registered: 09-2016 Posted From: 161.167.229.18 Rating: N/A |
naku telusu gaa ...  | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18935 Registered: 09-2016 Posted From: 161.165.196.108 Rating: |
family undhi annooo nakii | ||
Pullarao Comedian Username: Pullarao Post Number: 1144 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
enni days ayindi US ki vachi, high paying job?, two incomes?? 100K ante bagane save chesinatlu..adi bonus gatra lekundane. good job. | ||
King Side Hero Username: King Post Number: 3439 Registered: 08-2013 Posted From: 104.57.181.67 Rating: N/A |
10-20 ki kuda antha pedha maatalu endukule. nee kenti, single puri vi, enni kaburlu ayina chebuthav. | ||
King Side Hero Username: King Post Number: 3438 Registered: 08-2013 Posted From: 104.57.181.67 Rating: N/A |
there are always two ways to do it..right way and wrong way. If I have to pay tax, I will always pay it and also pay it in India (my thinking, why not India get its share). Black ni techukovatam.. elano cheppanu... US does not have double taxation but you need to pay the extra % of tax when you declare your capital gains in US | ||
Twotown Hero Username: Twotown Post Number: 12960 Registered: 09-2016 Posted From: 67.184.73.168 Rating: N/A |
life edhi eppudu choodaledhu vinatame gaani  | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18934 Registered: 09-2016 Posted From: 161.165.196.108 Rating: N/A |
andriki bonus li ochesayii aa .. investment la meedha disco chesthunnaruu  | ||
King Side Hero Username: King Post Number: 3437 Registered: 08-2013 Posted From: 104.57.181.67 Rating: N/A |
i did | ||
Pkpsf Side Hero Username: Pkpsf Post Number: 2585 Registered: 07-2014 Posted From: 198.178.12.46 Rating: N/A |
Financially wrong decision aa? or else ethically? lekla pothe Green Card appudu problem laaga emaina naa? I don't understand why its a bad decision  | ||
Pullarao Comedian Username: Pullarao Post Number: 1143 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
tell us more.. 10% in US quick google search telling. | ||
Biggboss Side Hero Username: Biggboss Post Number: 9679 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
Capital One/Goldman Sachs High Yield Savings - 2.25% interest no penalties and no minimum balance | ||
Pkpsf Side Hero Username: Pkpsf Post Number: 2584 Registered: 07-2014 Posted From: 198.178.12.46 Rating: N/A |
yeah.. kinda nenu theesukunna example lo, 7% for FD in India is on lower end. 3% gains here, is on higher end.. Ayina, India ne profitable vundi savings ki.. | ||
Dhonifan Hero Username: Dhonifan Post Number: 19759 Registered: 12-2012 Posted From: 64.79.144.10 Rating: N/A |
if you need to save for 6 months, which one is best? | ||
Biggboss Side Hero Username: Biggboss Post Number: 9678 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
makes sense, have you sold any property in India and reptriated the money back to US? Any experience you can share? | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18933 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
idhi mana chethilo ledhuu gaa | ||
Musafir Junior Artist Username: Musafir Post Number: 246 Registered: 10-2018 Posted From: 165.225.34.89 Rating: N/A |
Lookup NHI, CIM, MBT and other stocks. Depending on your risk tolerance, investing in these will get you higher returns with some risk. | ||
Pullarao Comedian Username: Pullarao Post Number: 1142 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
HDFc vadu 1 Year 7.30% per yr lessthan 2C isthunnadu. goodness. | ||
King Side Hero Username: King Post Number: 3436 Registered: 08-2013 Posted From: 104.57.181.67 Rating: N/A |
first and foremost, exchange rate ..as buying $ is expensive. Akkade Rs 3-4 lechipothayi. I am not sure i you can directly repatriate your funds. If you are parking them as dollars, interest rate is less than 2%. Did not look into much but learned my lesson..irrespective of interest rates, keep your money close to you. | ||
Hero Hero Username: Hero Post Number: 13274 Registered: 09-2009 Posted From: 38.101.193.194 Rating: N/A |
if u want to settle in US ..this is very wrong strategy | ||
Twotown Hero Username: Twotown Post Number: 12958 Registered: 09-2016 Posted From: 67.184.73.168 Rating: N/A |
thankesees konedhi ledhu chesedhi ledhu ala 2,3 years nunchi account lo vunchatam kanna vesi denkuthaaaa 1 year is fine with me. | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18932 Registered: 09-2016 Posted From: 161.165.196.108 Rating: N/A |
naaku kudaa kavali info  | ||
Starc Side Hero Username: Starc Post Number: 8509 Registered: 03-2015 Posted From: 170.63.120.78 Rating: N/A |
USA lo savings bokka.. buy another house | ||
Pkpsf Side Hero Username: Pkpsf Post Number: 2581 Registered: 07-2014 Posted From: 198.178.12.46 Rating: N/A |
NRE Account lo ne kada money vundedhi.. why would it be a pain. that Interest earned on NRE Fixed Deposit is anyways Non-Taxable as per law. Evarikayina issue ayinda? if yes, what should I be looking out for? | ||
Biggboss Side Hero Username: Biggboss Post Number: 9677 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
NRE/NRO lo untey easy kadha? It's as easy as withdrawing money here antaru I am exploring these accounts, any helpful info can you provide? | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18931 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
elaa anna ?? enduku ? white ee kadaa ? | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18930 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
+1 nenu aithee adhe chesthunna almost every month india ki pamputhunna ... ikkdaa emi ainaa plan unte techukundam ani appti varuku india lo FD | ||
King Side Hero Username: King Post Number: 3435 Registered: 08-2013 Posted From: 104.57.181.67 Rating: N/A |
bringing back is pain.Its not easy | ||
Pkpsf Side Hero Username: Pkpsf Post Number: 2580 Registered: 07-2014 Posted From: 198.178.12.46 Rating: |
"Exchange rate thaggadam" ni count lo theesukunna India ne better anipisthundi.. Below is the math I did, Say I have $1,000 with me in the year 2014. Exchange rate then was 60 rupees/dollar. So, I moved it to India which is Rs. 60,000 and put an NRE Fixed Deposit up until today.. ante 5 years.. (for 7% interest, ee madhya thaggayi kada) My Rs. 60,000 will become Rs. 84,886 which when brought back to USD will be $1,212.(currently 70 anukunna). https://fd-calculator.in/ Now, Say I have $1,000 with me in the year 2014, and I decided to invest it here where I'll get 3% APR AT MAXXXX.. Today, in 2019, I'll have $1,160 -> Same paina calculator ey vaadina.. and 3% bongu issthaadu ikkada evadayina.. India lo after-all Fixed Deposit vesukunte antha difference vundi.. inka aada ladies type lo chit funds, or mithiki thippatam laantivi chesthe inka difference vuntadi kada.. Naa Bottomline, appu always USA lo, daachukovadam always India lo | ||
Pullarao Comedian Username: Pullarao Post Number: 1140 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
2012 lo USD-INR 45 undindi. now 70 unnadi. adi problem. | ||
Pullarao Comedian Username: Pullarao Post Number: 1139 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
mana FD annatlu. | ||
Biggboss Side Hero Username: Biggboss Post Number: 9676 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
My BoFA mortgage loan gave me an option - for every 250k I deposit in BoFA savings during ,mortgage loan closing he can give 0.125% discount on the interest rate so oka 1 million deposit chesthey 1% istha annadu loan close ayyina next day you can move your money back to your high yield savings chuss anukunna, aayaney untey mangalodu enduku ani | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18929 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
india undi us ki fund tevadaniki neti problem ?? akkada bank FD lo esukuntee better rate kadaa ?? bank to bank i mena white amount transfer chesukonadiki problem enti rate batti transfer ayyipodhi gaa ?? | ||
Nanigadulocal Hero Username: Nanigadulocal Post Number: 18928 Registered: 09-2016 Posted From: 161.168.251.108 Rating: N/A |
cds ante enti ?? | ||
Pullarao Comedian Username: Pullarao Post Number: 1138 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Ally bank penalties are less 1 month thakkuva. "Ally - The penalty we charge will depend on your CD term. 24 months or less 60 days of interest 25 months – 36 months 90 days of interest" But stable bank bettr kabatti going with GS Marcus. THanks BigB. | ||
Pullarao Comedian Username: Pullarao Post Number: 1137 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
ya bhiyaa marcus 2.75% aswell... looks like same terms for penalty as CapitalOne. | ||
Biggboss Side Hero Username: Biggboss Post Number: 9675 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
Capital One or Goldman Sachs 2.7% and 2.75% for one year CD if you withdraw it early, you will be charged a penalty of 90 days of simple interest rate | ||
Pullarao Comedian Username: Pullarao Post Number: 1135 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Two, Goldmans, CapitalOne, any other highyield CDs are good. Just read penaly criteria if you withdraw early.. CapitalOnes terms are: Early Withdrawal Penalty: If you redeem a Certificate of Deposit (CD) prior to maturity, you will incur an early withdrawal penalty. For a CD with a twelve (12) month or shorter term, the penalty is three (3) months interest, regardless of when you redeem the account prior to maturity. For a CD with a term greater than twelve (12) months, the penalty is six (6) months of interest regardless of when you redeem the account prior to maturity. | ||
Biggboss Side Hero Username: Biggboss Post Number: 9674 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
Goldman Sachs is giving 2.75% on one year CD slightly more than Capital One . | ||
Twotown Hero Username: Twotown Post Number: 12957 Registered: 09-2016 Posted From: 67.184.73.168 Rating: N/A |
1 year ki edhi best hassle free cheppandi oka 100K padadenkithe manashanthi vuntaadi... account lo ettukuntuntyyy ekkadaa lagesthamao ani bayam plus janalu adigithe kadanalekapovatam... | ||
Pullarao Comedian Username: Pullarao Post Number: 1134 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Capitalone 1yr/2.7, 3yr/2.85 Ally 1yr-3yr /2.75 Nopenalty - 2.3% CapitalOne ki move chestha.. thanks | ||
Biggboss Side Hero Username: Biggboss Post Number: 9671 Registered: 08-2017 Posted From: 173.247.200.98 Rating: N/A |
Capital One is also offering 2.1%, I saved my down payment at Goldman Sachs..no issues with their services Outbound Wire Trasfers are free if you need money immediately | ||
Boeing747 Side Hero Username: Boeing747 Post Number: 5940 Registered: 04-2016 Posted From: 192.212.253.129 Rating: N/A |
dont put there. exchange rate will eat away some of the $$. local ga edi better interest rate unte andulo veyyandi mee savings..CD's best mostly | ||
Speaker Side Hero Username: Speaker Post Number: 2797 Registered: 01-2019 Posted From: 192.197.178.2 Rating: N/A |
depending on how long u want to keep saving for down payment, there r various options... cd's etc...but for 20% down payment...it really doesnt matter that much...may be a few k... Inform, Amuse, Confuse, Evoke.. | ||
Pullarao Comedian Username: Pullarao Post Number: 1133 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Speaker garu.. US ae. Savings lo interest rate chala thakkuva kada. I moved it to online bank but still it is very low. My Big bank used to give 1.0%. Moved to Ally it is givign 2.1. India lo bagane ravochu but hassle to bring it back. | ||
Biggboss Side Hero Username: Biggboss Post Number: 9670 Registered: 08-2017 Posted From: 173.247.200.98 Rating: |
Savings Goldman Sachs is offering 2.35% CDs aithey 2.75% for 1 year | ||
Speaker Side Hero Username: Speaker Post Number: 2793 Registered: 01-2019 Posted From: 192.197.178.2 Rating: N/A |
ekkadaa? India na? USA naa??? i will keep it in Savings in USA... Inform, Amuse, Confuse, Evoke.. | ||
Pullarao Comedian Username: Pullarao Post Number: 1132 Registered: 03-2017 Posted From: 12.5.200.34 Rating: N/A |
Say if you are saving money for downpayment for your future house.. where do you guys keep it? In CDs, Savings Account or Bonds? If bonds- please throw some suggestions? |
