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Basky_indya
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Username: Basky_indya

Post Number: 22548
Registered: 10-2007
Posted From: 72.181.54.77

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Posted on Thursday, January 27, 2011 - 01:55 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

ippudu manam oak50k ind send chesi unte.. aa 50K techukovochaa




Double tax avoidance treaty is applicable between india and usa.

edho konni FORMS vuntai india side as well as usa side, thru that its possible.

oka chota Tax kadithey, basical ga rendo sari kattakarledu.
kRUshITHO nAsthee dURbhikSHAM
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Maverick
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Username: Maverick

Post Number: 24294
Registered: 01-2008
Posted From: 204.86.204.207

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Posted on Thursday, January 27, 2011 - 01:54 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

bunty

there area health benefits to cutting down starbucks and eating less outside. don;t spend anatam kante spend wisely is the key. daily 5$ starbucks save cheste 2 months lo oka ps3 konacchu and u get health benefits too. adannamaata.
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Guttonkay
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Username: Guttonkay

Post Number: 7946
Registered: 05-2008
Posted From: 148.87.1.167

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Posted on Thursday, January 27, 2011 - 01:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

idi mari milatry dicipline laaga undi..seriously ila chete enta save cheyochu per month max 100 so yr ki 1200..ee 1200 kosam..yr anta ive lines lo thinking chestu unte.. KF chepinannatu.. after some yrs manadaggara money unna spend cheyalem .. pratidi sacrifise chedam ani chustaam..deeni badulu.
how to earn more ani thinking cheste.. atleat oka 10 times ekkuva earn cheyochu




I am not saying everyone do it that way, I am just giving ideas. naku ala chese scene vunte ee patiki chala vandalu save chesi vunta kada :-)

It's all about prudent savings. nenu coupons cut chesta use cheyyanu. I know people who are religious about them. manaki enduku chetakadu vallala vundadam ani eppudu anukuntanu.

one of my colleagues almost everyday lunch techukuntaru. chala careful ga spend chestaru. ayana it avida edo chinna vudyogam. they put two kids thro college and now they are almost debt free. ala ani life emi waste ayipoledu valladi. They ahve been to almost every national park in the country, to hawaii, to alaska, to bahamas, UK, europe and so on. Like I said it's all about prudent spendng, saving wisely in order to enjoy life.


meeru annatlu how to earn more is the key. adi kooda teliyadu naku. everytime I see a board that stays stuff envelops at home, earn thousands, I think damn, i need to quit the db and start stuffing envelops :D
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Andhrawala
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Username: Andhrawala

Post Number: 5135
Registered: 03-2008
Posted From: 192.58.204.226

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Posted on Thursday, January 27, 2011 - 01:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

RS Thammi,



Repatriation is allowed upto US dollars 1 million per calendar year for any purpose from the balances in NRO accounts subject to payment of applicable taxes. The limit of US dollars 1 million includes sale proceeds of immovable properties held by NRIs/PIOs for a period of 10 years. In case a property is sold after being held for less than 10 years, remittance can be made if the sale proceeds have been held by the NRI/PIO for the balance period.

If you have NRE account, then both the principal and interest are repatriable.


Q. Can sale proceeds of such property if and when sold be remitted out of India?

Ans. They may repatriate sale proceeds of immovable property acquired in India to the extent of repatriable funds used for acquiring the property, without any lock in period, upto two residential properties. The balance amount will be repatriable through NRO account subject to conditions applicable for repatriation of balances from NRO accounts already mentioned.



See the note from RBI

http://rbidocs.rbi.org.in/rdocs/notification/PDFs/36175.pdf& sa=U&ei=nL5BTY2AMY7UgAeq1Li4AQ&ved=0CAwQFjAA&usg=AFQjCNFpArH kK2nipqZji2ccSvgK8LTwfw
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Guriginja
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Username: Guriginja

Post Number: 15166
Registered: 02-2008
Posted From: 72.162.28.6

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Posted on Thursday, January 27, 2011 - 01:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

dabbu vunnodiki yetta dachukovalo godava...lenodiki yebadha ledhu...appudappudu bayam vesthundanuko..for suppose..what next ani.
JOHAR YSR.....YSR AMAR RAHE
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Bunty717
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Username: Bunty717

Post Number: 14122
Registered: 02-2008
Posted From: 24.228.89.76

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Posted on Thursday, January 27, 2011 - 01:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Basky_indya:

Rising, it depends on which account-status you are maintaining in india.

if you put into NRE/NRO/Domestic. ila . Konni Accounts loki poyina money

CANNoT-COME-BACK. Konni accounts CAN come Back.




tisukuravadam gurinchi OK.. malli tax pay cheyalaa or..
ippudu manam oak50k ind send chesi unte.. aa 50K techukovochaa
2004 ..2009
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Basky_indya
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Username: Basky_indya

Post Number: 22545
Registered: 10-2007
Posted From: 72.181.54.77

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Posted on Thursday, January 27, 2011 - 01:47 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:

nenu ICICI Money 2 India thru pampina daantloo oka 50k enakki thechukovacha legal gaa?




Rising, it depends on which account-status you are maintaining in india.

if you put into NRE/NRO/Domestic. ila . Konni Accounts loki poyina money

CANNoT-COME-BACK. Konni accounts CAN come Back.
kRUshITHO nAsthee dURbhikSHAM
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Pomegranate_life
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Username: Pomegranate_life

Post Number: 1713
Registered: 07-2010
Posted From: 32.97.110.60

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Posted on Thursday, January 27, 2011 - 01:46 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

vonkai chepinina point eti ante.. do what you need ..not what you want.. wants chala untayyi.. control chesukovali ani...




ade enduku? :D


Maverick:

I don't think anyone really craves for a starbucks coffee daily..




I guess you haven't met ALL the 5 million starbucks customers that visit on a daily basis.
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Guttonkay
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Username: Guttonkay

Post Number: 7945
Registered: 05-2008
Posted From: 148.87.1.167

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Posted on Thursday, January 27, 2011 - 01:46 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pomegranate_life:

Why are we earning if are not able to eat and drink what we want?




KADA!

Thread is about financial disciplines, savings, reducing expenses.

ee thread lo ila starbucks overburnt overpriced coffee tagutanu, roju steak tintanu but i want 95% of my paycheck to go to savings ante evaro cheppinatlu you have to earn 250k an year.

Btw, I saw a CNBC story on starbucks. Apparently they have per cup they make 40 or 50% profit. I don't remember the exact numbers. Like I said everyone's mileage varies. If one wants to save they have to think thro their expenses.

Btw, while I call starbucks coffee overpriced, overburnt yuppystuff there are people who call it orgs.inmouth *rolling eyes*
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Emc2
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Username: Emc2

Post Number: 1792
Registered: 03-2008
Posted From: 199.107.16.132

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Posted on Thursday, January 27, 2011 - 01:45 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:




upto $100K/year is allowed,you don't have to answer to RBI if it is below 100K.

teesukuravadam kuda same as you are sending it from here.
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Emc2
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Username: Emc2

Post Number: 1791
Registered: 03-2008
Posted From: 199.107.16.132

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Posted on Thursday, January 27, 2011 - 01:44 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Hero:



long term ayina india lo SBI or postal are safe.
ikkada ayite buy bonds or invest in emerging markets 13% return over all.
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Andhrawala
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Username: Andhrawala

Post Number: 5134
Registered: 03-2008
Posted From: 192.58.204.226

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Posted on Thursday, January 27, 2011 - 01:44 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:

NIjama? Are you sure?




Thevocchu kaani problem ekkada vasthundhi antee
say

u send 100K to India to buy land.

40 lakhs tho investment. u buy land with 40 lakhs. but reg. value is 25lakhs.

few years later us ell it for 80 K. reg value is 40 lakhs.

so white lo vunna dabbu theesukuraavocchu kaani balck lo vunnadhi kattam
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Risingstar
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Username: Risingstar

Post Number: 20335
Registered: 08-2008
Posted From: 68.87.100.242

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Posted on Thursday, January 27, 2011 - 01:43 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

interesting...........

nenu ICICI Money 2 India thru pampina daantloo oka 50k enakki thechukovacha legal gaa?
house konalanukunnappudu ee money down payment kinda kattacha?

what is the process for that?
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Bunty717
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Username: Bunty717

Post Number: 14120
Registered: 02-2008
Posted From: 24.228.89.76

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Posted on Thursday, January 27, 2011 - 01:42 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pomegranate_life:

Why are we earning if are not able to eat and drink what we want?




vonkai chepinina point eti ante.. do what you need ..not what you want..
wants chala untayyi.. control chesukovali ani...
roju paradise biriyani tinte baguntaadi.. kani avasarae fewma ani
thinking chesi.. wend ki set chesukunte.. 6 days biriyani paisal
saving kada..
she has a point kani implement cheyadam chala kastam..
may be few weeks or months cheyochu.. taravatha cheyalem
2004 ..2009
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Andhrawala
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Username: Andhrawala

Post Number: 5133
Registered: 03-2008
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Posted on Thursday, January 27, 2011 - 01:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

KF chepinannatu.. after some yrs manadaggara money unna
spend cheyalem .. pratidi sacrifise chedam ani chustaam..deeni badulu.
how to earn more ani thinking cheste.. atleat oka 10 times ekkuva earn cheyochu


idi naa thinking.. I may be wrong kadu.. I'm almost wrong avochu..
naku financial dicipline asalu ledu..




Both True and False.

Save cheyatam anedhi (konthavaraku) nee chethilo vundhi.

Entha sampadinchaali anedhi bahusaa mana chethilo vudnakapovacchu.

Also Everyday is not rainyday ani repu ela vuntundho cheppalemu.

Plus kids pedayekaa vaala studies ki manam financial gaa soosukovaali. see we may work for 60 years and say one may live upto 80-90 years.a a time lo financial gaa evvari meedha depend/burden kaakudnaa vundelaa soosukovaaali
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Basky_indya
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Username: Basky_indya

Post Number: 22544
Registered: 10-2007
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Posted on Thursday, January 27, 2011 - 01:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:

NIjama? Are you sure?


Legal movement.

india-usa-india-usa etc is allowed by RBI. just Max Limits vunnai anthey
kRUshITHO nAsthee dURbhikSHAM
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Oohlala
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Username: Oohlala

Post Number: 599
Registered: 09-2008
Posted From: 64.102.254.33

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Posted on Thursday, January 27, 2011 - 01:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:




yes you can
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Maverick
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Username: Maverick

Post Number: 24290
Registered: 01-2008
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Posted on Thursday, January 27, 2011 - 01:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>what we want?

I don't think anyone really craves for a starbucks coffee daily..
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Hero
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Username: Hero

Post Number: 1239
Registered: 09-2009
Posted From: 63.170.23.3

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Posted on Thursday, January 27, 2011 - 01:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

>>we are getting 8% FD.



8% FD India lo na ...US lo settle ayye plan unte longterm
lo india lo investment correct kadu anukotunna.
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Pomegranate_life
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Username: Pomegranate_life

Post Number: 1712
Registered: 07-2010
Posted From: 32.97.110.60

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Posted on Thursday, January 27, 2011 - 01:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guttonkay:

-Do I need to drink coffee from starbucks everyday
-Do I really need to each lunch in the cafetaria everyday
-Can I buy storebrand instead of brand name stuff
-Am I eating takeout way too many times




Why are we earning if are not able to eat and drink what we want?
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Risingstar
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Username: Risingstar

Post Number: 20334
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Andhrawala:

Ikkadnunchi legal gaa pampinchinattaithe u can bring the amt legally by paying the appropr conversion price for USD




NIjama? Are you sure?
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Bunty717
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Username: Bunty717

Post Number: 14119
Registered: 02-2008
Posted From: 24.228.89.76

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Posted on Thursday, January 27, 2011 - 01:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guttonkay:

Ikapote expenses. nijam ga tagginchali expenses anukunte everyone has to think along these lines at least 2 times a week

-Do I need to drink coffee from starbucks everyday
-Do I really need to each lunch in the cafetaria everyday
-Can I buy storebrand instead of brand name stuff
-Am I eating takeout way too many times
-Can I set the thermostat to 65 in winter and 86 in summer
-If it's too cold can I wear a sweater and socks instead of amping up the thermostat and may be buy a small space heater. For summer buy a pedestal fan
- Last but not the least do I need spend endlessly on things I probably don't even NEED when half the population of the world don't even have a meal a day




idi mari milatry dicipline laaga undi..seriously ila chete enta save cheyochu
per month max 100 so yr ki 1200..ee 1200 kosam..yr anta ive lines lo thinking
chestu unte.. KF chepinannatu.. after some yrs manadaggara money unna
spend cheyalem .. pratidi sacrifise chedam ani chustaam..deeni badulu.
how to earn more ani thinking cheste.. atleat oka 10 times ekkuva earn cheyochu


idi naa thinking.. I may be wrong kadu.. I'm almost wrong avochu..
naku financial dicipline asalu ledu..
2004 ..2009
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Emc2
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Username: Emc2

Post Number: 1789
Registered: 03-2008
Posted From: 199.107.16.132

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Posted on Thursday, January 27, 2011 - 01:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Hero:



market slump undi plus when we are getting 4 to 5% rate and ade money out side ekkadina pedite atleast we are getting 8% FD.
i think its depends on how much interest rate you are paying on your mortgage.
i am paying 4% 30yrs fixed.so naku feasible anipinchaledu thondaraga pay cheyadam.
Any thoughts?
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Andhrawala
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Username: Andhrawala

Post Number: 5132
Registered: 03-2008
Posted From: 192.58.204.226

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Posted on Thursday, January 27, 2011 - 01:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guru:

india nunchy malli ikkadiki tevadam ela?? i mean pedda amounts?




Million dollar question.

Ippati daaka US to India pampinchina Indians lo at the max 1% back thechukoni vuntaaaru.

How to bring large amounts antee

- Deposit the money in India Bank which gives International Debit card. Us e that for day 2 day expenses here.

so Ippudu mana credit card bill avgnaa 2-3K anuko one year lo u can use upto 36K

- Buy Gold and bring it here

- Ikkadnunchi legal gaa pampinchinattaithe u can bring the amt legally by paying the appropr conversion price for USD

- Lekapothe manam Hawala way lo India pampaali anukune janalaki dabbu ichi dollars ikkada theesukocchu
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Guttonkay
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Username: Guttonkay

Post Number: 7942
Registered: 05-2008
Posted From: 148.87.1.167

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Posted on Thursday, January 27, 2011 - 01:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

US lo exps poyi migilindi savings lo esukovochu..

firstee savings lo esukunte buvva ela tintaaru..
ikkada anni fixed kada




ala anukunte entho discipline vunte tappa save cheyalem bro.

For eg most of us use credit card for everything and pay off the balance at the end of the month. If you are the kind who doesn't wonder why the credit bill is not going down and just pay off from ur bank account then you will never be able to move money from s to c.

Ikapote expenses. nijam ga tagginchali expenses anukunte everyone has to think along these lines at least 2 times a week

-Do I need to drink coffee from starbucks everyday
-Do I really need to each lunch in the cafetaria everyday
-Can I buy storebrand instead of brand name stuff
-Am I eating takeout way too many times
-Can I set the thermostat to 65 in winter and 86 in summer
-If it's too cold can I wear a sweater and socks instead of amping up the thermostat and may be buy a small space heater. For summer buy a pedestal fan
- Last but not the least do I need spend endlessly on things I probably don't even NEED when half the population of the world don't even have a meal a day

Everyone's mileage varies, but if saving or reducing expenses is the goal, then burraki padunu pettali vuttine wallet open cheyakunda :-)
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Hero
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Username: Hero

Post Number: 1238
Registered: 09-2009
Posted From: 63.170.23.3

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Emc2:

is not advisable if you are getting more returns out side.




EMC ..house payment tondaraga pay cheyatam correct decision anukotunna,,
where you getting more returns these days ?

pay chesina taruvata u can start investing ?
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Bunty717
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Username: Bunty717

Post Number: 14118
Registered: 02-2008
Posted From: 24.228.89.76

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Posted on Thursday, January 27, 2011 - 01:22 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

US lo exps poyi migilindi savings lo esukovochu..

firstee savings lo esukunte buvva ela tintaaru..
ikkada anni fixed kada

rent,cell,utiliteis,school,car ins,car payments..
ivi 80% of our exps..veetilo save ela chestaru..
comedy kakapothe..
yeah.. hyder laaga 400K voste.. oka 350 savings lo esi
50 tho manage cheyochu..
2004 ..2009
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Emc2
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Username: Emc2

Post Number: 1788
Registered: 03-2008
Posted From: 199.107.16.132

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Posted on Thursday, January 27, 2011 - 01:20 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Risingstar:

6) Pay off home early




is not advisable if you are getting more returns out side.

you are gonna loose tax break and other investment opps.
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Pomegranate_life
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Username: Pomegranate_life

Post Number: 1711
Registered: 07-2010
Posted From: 32.97.110.60

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Posted on Thursday, January 27, 2011 - 01:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guttonkay:

Or, edanna manchi software cheppandi.




Quicken or Moneydance
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Guru
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Username: Guru

Post Number: 1607
Registered: 05-2009
Posted From: 76.116.171.198

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Posted on Thursday, January 27, 2011 - 01:12 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

.india toseste better




india nunchy malli ikkadiki tevadam ela?? i mean pedda amounts?
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Guru
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Username: Guru

Post Number: 1606
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Guttonkay:

using check book forces me to know where I am spending.




try to make all ur purchases and payments using credit cards, it's easier to track and you also get cashback/rewards
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Maverick
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don't keep money in ur bank..if u dont know where to invest for the moment atleast lock it in FD..india toseste better
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Guttonkay
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Dreamcatcher:

inka checkbooks enti andi?




Pomegranate_life:

Fifth element cinema generation lo kooda inka checkbook aa?




using check book forces me to know where I am spending. So, I still use it. Even tho almost everything using electronic payments, I write every single payment from my bank in the checkbook.

Excel giksel vadachu kani those things are easy to close and ignore when the task feels boring. checkbook ala kadu kada. I always know that I didn't update the checkbook since 3 weeks kind of thing.

adi logic. ippudu meeru jamanalo check book ela manage chese vallo cheppandi. Or, edanna manchi software cheppandi.
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Risingstar
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Oohlala:

Btw, if spending $40 will make you go to the gym often, it is worth it.




last 2 months nunchi ellaledhu :-(
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Pomegranate_life
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Guttonkay:

ippudu checkbook manage cheyadam elano naku cheppandi




Shred cheyali :D Fifth element cinema generation lo kooda inka checkbook aa?
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Okatelugodu
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Spreadsheets, planning never worked for me. One way to deal with it is desam lo properties kone pani ayithe always push yourself to the limit and keep buying something. Vunna dabbulu konna properties konataniki pothe mana daggara ekkuva vundavu kabatti vunna dantlo adjust avtham without spending unnessasarily.
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Jalsa
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Guttonkay:

Mall ki velte credit cards intlo petti vellandi. Only 25 dollars cash type lo. Then what u buy will be very limited.



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Guttonkay
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put a portion of ur paycheck in savings by default. Corp -> bank automatic ga vellipovali.

If possible make that other account be in a separate than the bank where u have ur regular checking account

Make a list of all expenses. Based on that u know how much of ur monthly check u can save. So, make that amount go into savings account every month. 70-30 or 80-20 something like that.

You will start slowly but ur goal should be to have savings for at least 6 months of expenses, in case u r out of job or whatever reason

When it comes to expenses, try to plan for all big expenses - buying gold, annual vacation, india trip. You will at least how much it may cost and u can see how much of it u can pay for. If possible save for that big expense.

Mall ki velte credit cards intlo petti vellandi. Only 25 dollars cash type lo. Then what u buy will be very limited.

If I buy something, I have to return something or remove smething from the house and donate it ani pettukondi. That way you will be forced to wonder if you really need that whatever u r buying. Less clutter also.

Go to the mall in the evening when u r really tired. You won't be interested in buying.

Use firefox with adblock and scriptblock. prati site lo u have to click and allow that site. It takes away the fun of shopping. You will do less online shopping :-)

ippudu checkbook manage cheyadam elano naku cheppandi
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Mamamiya786
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Der..nuvvu ikkada vunte .nuvvu chese job ento cheppu ...

ma abbai ni sadivinchali...
Chidl Marriage Bhruna Hatya tho samanam -- vinoba bhave.
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Mamamiya786
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Risingstar:

apart complex loo zym ettukuni month ki 40$ kaduthunna... frequent gaa travel chesina miles maintain cheyyyanu...




Gym paisalu eppudu waste kavu ..aprtment gym deniki waste ..unless they have very good stuff.

travelling enti annai ..travelling joba?

Leka US lo party ni develop cheyadaniki tirugutunnava..
Chidl Marriage Bhruna Hatya tho samanam -- vinoba bhave.
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Mamamiya786
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Politricks:

paisal levu s




donga ..anni india lo investments rupena , savings accounts lo vunte ...paisau endukuntai ...
Chidl Marriage Bhruna Hatya tho samanam -- vinoba bhave.
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Abhysg
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join amway ani oka friend seppad..

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Jalsa
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Mental_sachinodu:

one thing i learnt, the busier you are, the lesser the expenditures on unnecessary things.



absolutely. last 3-4 months asalu mall ki ellaledhu.
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Mental_sachinodu
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one thing i learnt, the busier you are, the lesser the expenditures on unnecessary things.
the world of appearances may or may not be real, or both may and may not be real - or may be indescribable; or may be real and indescribable, or unreal and indescribable; or in the end may be read and unreal and indescribable - its all Syadvada
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Abhysg
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Politricks:

oooo....ee thread naaku kaadu....finance unnodiki descipline naaku yelago paisal levu so no worry!




ponee .. discipline undaa.. 3 pieces salu
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Mrhyderabad
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Oohlala:


I wish it is that simple
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Andhrawala
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Risingstar:

ledhu anta annai... iddaram yearly okasari travel chesina aa miles theesukuni manage chesukunte oka domestic travel ticket konukkovachu anta




Takes a Freq. Flier membership for the airline which are travelling. U will get arnd 16K miles. After comming back try taking Credit card which gives arnd 10-15K miles for that Airline and u are all set for free flight tkt
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Kadapafan
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Risingstar:


Savings ante manam kaavalsindi kharchu pedithe migiledi laa undaali kaani. Migiledi set chesukoni kharchu pedithe you cant enjoy your life. Repu musalodayyaka kharchu pettalanna neeku opika undadu.
Go to Gym every day to reduce weight
Argue with only one (out of Adavi, Sasi, Kaleja etc..,) at a time to reduce BP
Continue to permanently ignore Andhrawala
Poster of the week to discuss: None (to start good in new year), next week (17th to 24th Jan): Sasi
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Oohlala
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Risingstar:

apart complex loo zym ettukuni month ki 40$ kaduthunna




Btw, if spending $40 will make you go to the gym often, it is worth it.
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Risingstar
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Politricks:

yearly oo paali poye nuvvu, 2 years ki poye nenu miles yenduku le thammi!




ledhu anta annai... iddaram yearly okasari travel chesina aa miles theesukuni manage chesukunte oka domestic travel ticket konukkovachu anta
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Oohlala
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Actually (discretionary) spending meeda control vunte chalu, first step % of salary should go to savings acc and try not to touch it unless in emergency. Month end ki oka sari online payments review chesukunte, needs, savings taruvatha you will know how much you can afford to spend for wants/luxuries....
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Politricks
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Rising

"monna AP annai denkul ettadu baaga...."

AP ante B'Lore lo PLOTlu, Bhakarapeta lo MANGO GARDENS, Film Producers tho Meetings ki.....ila monthly travel sesthad.....yearly oo paali poye nuvvu, 2 years ki poye nenu miles yenduku le thammi!
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Shikari
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Posted on Thursday, January 27, 2011 - 11:56 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

naku chaana discipline undhi kani finance asalu ledhu,chuss jeevitham
http://i52.tinypic.com/11k81lj.jpg
http://i56.tinypic.com/2psggtd.jpg
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Risingstar
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Mrhyderabad:

400K savings chaala mandini deep gaa touch chesinattundi




savings aa lol..

savings veru discipline veru.. waste expenditure etc gurinchi nenu mattadedhi... apart complex loo zym ettukuni month ki 40$ kaduthunna... frequent gaa travel chesina miles maintain cheyyyanu... monna AP annai denkul ettadu baaga....
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Politricks
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oooo....ee thread naaku kaadu....finance unnodiki descipline naaku yelago paisal levu so no worry!
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Hero
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Cinejeevi:

to download something to my laptop and save it locally and if not needed should be able to delete the




free vi levu anukonta annai

naku telisi quicken best
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Dreamcatcher
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Cinejeevi:

any such programs/software?




MS valladi Money ani undaali kada...used in 2002...not sure if they still have it.
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Dreamcatcher
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Posted on Thursday, January 27, 2011 - 11:47 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guttonkay:

ade chetto checkbook maintenance kooda cheppandi evaranna.




inka checkbooks enti andi? EBills vaadara meeru? Nenu okkate check raasta month ki, maa buddodi piano classes ki, that too only because teacher does not give me bank info for direct transfers. Rest all online payments.
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Hero
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Cinejeevi:





use mint.com
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Hero
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Risingstar:




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Cinejeevi
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microsoft money management /expenses entering free software edanna undaa? i tried on google but most are online and don't want to save them online. want to download something to my laptop and save it locally and if not needed should be able to delete them..

any such programs/software?

appreciate help
http://i53.tinypic.com/29cbgpf.jpg
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Mrhyderabad
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Risingstar:

db loo kurrollani sooottee muchata esthundi..


400K savings chaala mandini deep gaa touch chesinattundi
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
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Risingstar
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Hero:

steps

1) start emergency fund.
2) pay all debt (credit card.) throw credit cards.
3) 6 months expenses - in savings account
4) 15% invest in ROTH IRA
5) College funding for KIDS
6) Pay off home early
7) Build wealth and give

dave ramsey tatha radio lo cheppad..


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Hero
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Posted on Thursday, January 27, 2011 - 11:41 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

steps

1) start emergency fund.
2) pay all debt (credit card.) throw credit cards.
3) 6 months expenses - in savings account
4) 15% invest in ROTH IRA
5) College funding for KIDS
6) Pay off home early
7) Build wealth and give :-)

dave ramsey tatha radio lo cheppad..
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Guttonkay
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Posted on Thursday, January 27, 2011 - 11:38 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ade chetto checkbook maintenance kooda cheppandi evaranna.
I always shoot for the moon. I miss. But, I am happy that I am still amongst the stars.
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Risingstar
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Posted on Thursday, January 27, 2011 - 11:36 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

idhi elaa nersukovali? bothiga lekunda poundhi.. db loo kurrollani sooottee muchata esthundi.. konchem life style alter chesukuni chala money save cheyyachu anukunta...

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