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Boston_baba
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Username: Boston_baba

Post Number: 1306
Registered: 07-2012
Posted From: 122.178.230.148

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Posted on Thursday, February 28, 2013 - 10:12 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rudraksha:



Future is not to be predicted.. It is to be created...
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Rudraksha
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Username: Rudraksha

Post Number: 903
Registered: 07-2012
Posted From: 70.181.57.58

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Posted on Thursday, February 28, 2013 - 08:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:

business trips ki akkadiki vellina time lo, ID register chesukunnanu.. ala kalisochindanthe...


Boston lo edo oka ashrama vyragivi emo anukunna
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Boston_baba
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Username: Boston_baba

Post Number: 1302
Registered: 07-2012
Posted From: 122.178.230.148

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Posted on Thursday, February 28, 2013 - 07:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Chillarodu:

mari Bostonb_Baba anna peru ki reason? inthakamundhu Boston lo vunnara?



business trips ki akkadiki vellina time lo, ID register chesukunnanu.. ala kalisochindanthe...
Future is not to be predicted.. It is to be created...
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Farmer
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Username: Farmer

Post Number: 6660
Registered: 03-2012
Posted From: 70.198.14.62

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Posted on Thursday, February 28, 2013 - 06:54 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

loans theesukoni chaduvukomani cheppali...later, u can help them to repay the loan...anthe kani upfront neeki half million isthaa chaduvkooo ante chaduv sanka naakuthundi ani baba gori vopinion....i fullthoo agree
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Gotcha
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Username: Gotcha

Post Number: 10277
Registered: 02-2008
Posted From: 99.189.217.149

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Posted on Thursday, February 28, 2013 - 06:42 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

tt
desi pillalu andaru doctors chadavali ani chustunte dont spend money on them ante ela sir. 8 years ki loan ante tadisi mopidi avutundi kada.
This real estate is for sale.
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Humpty_dumpty
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Username: Humpty_dumpty

Post Number: 20461
Registered: 02-2009

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Posted on Thursday, February 28, 2013 - 04:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

manam kattalenappudu kada loan theesukonedhi


antha paisal spend cheyyali for kid ani untay ...better put some % towards loan and ask him/her to pay remaining loan
megilina amount tho put it towards buying a home when they grad and have a steady job for couple pf years...again he/she has to pay mortgage( either from sal or rent)

step 1 : TT seppina responsibility vasthaad
step 2: meeru expect sesay RE returns vasthaay
both for kid...by age 25 they are financially better off
{peace}
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Jodhaa
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Username: Jodhaa

Post Number: 26361
Registered: 02-2008
Posted From: 69.174.58.116

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Posted on Thursday, February 28, 2013 - 03:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Telugu_times:


luxury cars antey ok gaani..kids ki payment chesthey em avuthundhi?? manam kattalenappudu kada loan theesukonedhi.
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Telugu_times
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Username: Telugu_times

Post Number: 36732
Registered: 02-2008

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Posted on Thursday, February 28, 2013 - 03:50 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:


India lo, venakati ki...parents chadhivinchaka pothey....sadhuvu end ayipoyedhi.
US lo, chadhuvu end avvadhu kadha?
Loans theesukoni chadhuvukovacchu
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Andhrawala
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Username: Andhrawala

Post Number: 18617
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Thursday, February 28, 2013 - 03:47 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Telugu_times:

Anthey gaani Freshman year lo, Mercedes lu, BMW lu, total fee payments lu, 4 year degree ni 3 yrs lo complete cheyyadaalu......avasaramaa adhyaksha?




Mercedes and BMWs anavasaram kaani total fee payments aithe sesthaaru anukuntaaa

One of the elderly guy in my town said since our parents paid fees till howmuchever we studies its kind of our responsibilty to pay full fees of kids

thats why desis in US dont retire by 58 years ani cheppedu
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Telugu_times
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Username: Telugu_times

Post Number: 36730
Registered: 02-2008

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Posted on Thursday, February 28, 2013 - 03:44 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Infact US lo for 90% of the people upto 12th it is public schools only



Yes.
Just staying in good neighborhoods will automatically gives them access to good schools kadha?
College ki, Loans or parents supporting kids partially.
Anthey gaani Freshman year lo, Mercedes lu, BMW lu, total fee payments lu, 4 year degree ni 3 yrs lo complete cheyyadaalu......avasaramaa adhyaksha?
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Andhrawala
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Username: Andhrawala

Post Number: 18614
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Thursday, February 28, 2013 - 03:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Telugutimes:

Provide them good education till 12th grade, then they will be on their own. That teaches them responsibility as well




Infact US lo for 90% of the people upto 12th it is public schools only

real expense starts after that only

For college yearly fee may be anything between 20-60K per year. so 4 years ki 250K.

Two kids aithe 500K

plus vaalu break kani vachinappudallaa flight tickets etc and vacation annaaa
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Parugu
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Username: Parugu

Post Number: 681
Registered: 07-2012
Posted From: 192.234.2.24

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Posted on Thursday, February 28, 2013 - 03:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:



Telugufan:



Telugu_times:




thread mareee serious ragamlo unte, konchem comedy kosam ala
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Jodhaa
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Username: Jodhaa

Post Number: 26357
Registered: 02-2008
Posted From: 69.174.58.116

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Posted on Thursday, February 28, 2013 - 03:04 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

ante enti uddhesam? US lo aite elago alaa bathikestaru anaa? India lo aite only rich people bathukutara?



Telugu_times:

if you decide to spend rest of your life in usa.....
comfortable life in usa is not a big deal. any desi, every desi can live comfortably. Inka kids education ki, save cheyyaalsina pani ledhu. Provide them good education till 12th grade, then they will be on their own. That teaches them responsibility as well. Pampering chesthey.....last year Atlanta lo 300K car accident kurrodi laaga avuthaaru.
India lo avuthey....chaala kastam lay. They measure you based on your money. vaallani Ignore cheyyadam, db lo cheppinantha easy kaadhu.


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Simba
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Username: Simba

Post Number: 9459
Registered: 02-2008
Posted From: 206.210.27.33

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Posted on Thursday, February 28, 2013 - 02:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:

nenu mee andarila elagp ala bratadaniki US raledu. Ee US janalaku


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Telugufan
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Username: Telugufan

Post Number: 3211
Registered: 05-2008
Posted From: 204.90.98.253

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Posted on Thursday, February 28, 2013 - 02:48 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:

Ee US janalaku


winter lo ante Ok gani summer lo koncham kastm Sir
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Telugu_times
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Username: Telugu_times

Post Number: 36727
Registered: 02-2008

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Posted on Thursday, February 28, 2013 - 02:43 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:

Ee US janalaku ..........



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Parugu
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Username: Parugu

Post Number: 679
Registered: 07-2012
Posted From: 192.234.2.24

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Posted on Thursday, February 28, 2013 - 02:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

US lo aite elago alaa bathikestaru


nenu mee andarila elagp ala bratadaniki US raledu. Ee US janalaku
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Simba
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Username: Simba

Post Number: 9458
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Posted From: 206.210.17.33

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Posted on Thursday, February 28, 2013 - 02:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

ikkadey settle antey asala worry ney ledhu..



ante enti uddhesam? US lo aite elago alaa bathikestaru anaa? India lo aite only rich people bathukutara?
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Andhrawala
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Username: Andhrawala

Post Number: 18610
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Thursday, February 28, 2013 - 02:23 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:

ee documents verify cheyali. revenue offrice lo ee documents manam copy teesukovachu etc




This site shall help u a lot
Given by a person who is an higher official in the Government of Andhra Pradesh. He is Deputy Inspector General - Registration Department

http://www.registrationacts.in/PropertyPurchasePrecautions.h tml


Parugu:

meeku RE lo baga exp undi kada.

step by step procedure cheppandi land konataniki.




naaku anthagaa emi ledhu to be frank. maa father cheppindhi theesukotame. he has lot of expertise
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Jodhaa
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Post Number: 26356
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Posted From: 69.174.58.116

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Posted on Thursday, February 28, 2013 - 02:18 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

At present evaru ayya happiest person antey..US lo settle avvaaala leka india return vellala ani already decide ayena vallu..ikkadey settle antey asala worry ney ledhu..:D
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Ustad
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Username: Ustad

Post Number: 12693
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Posted From: 76.173.42.79

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Posted on Thursday, February 28, 2013 - 02:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

2 cr not in hard cash. it could be in the form of properties or gold



Still a difficult target.
Bragging is a mask for insecurity. Truly confident people are quiet and unassuming.
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Parugu
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Username: Parugu

Post Number: 677
Registered: 07-2012
Posted From: 192.234.2.24

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Posted on Thursday, February 28, 2013 - 02:11 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

ee documents verify cheyali. revenue offrice lo ee documents manam copy teesukovachu etc
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Parugu
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Post Number: 676
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Posted on Thursday, February 28, 2013 - 02:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Paperwork soosukovaali. take legal opinion. gatham lo eppudu adhi assigned land kaadhu ani confirm sesukovaali


meeku RE lo baga exp undi kada.

step by step procedure cheppandi land konataniki.
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Andhrawala
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Post Number: 18607
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Posted on Thursday, February 28, 2013 - 02:07 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Chillarodu:


shamshabad lo 4 acres total 90 Lakhs ki cheptunnaru.. manchi bit.. edho baaga avaramayi ammuthunnadu.. mottam akkade theesukunte risk aa leka naalugu chotla invest cheddaama ani alochisthunnaa.




Paperwork soosukovaali. take legal opinion. gatham lo eppudu adhi assigned land kaadhu ani confirm sesukovaali

15 years from now definitely city growth ki maanchi appreciation raavaali

appudu eamnna villa projects or apartment ki development kicchevu anukoo ur life is set..

neeku vache sagam ammukoni migatha sagam rentals meedha ivvochu
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Chillarodu
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Post Number: 3194
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Posted From: 173.162.149.129

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Posted on Thursday, February 28, 2013 - 02:03 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

Ippatiki HYD lo land is afforable in some areas. If u buy there definitly u will beat bank interest rate.

por example Pocharam

or else buy 2-3 townhomes in US. pretty much rent will be enough for the loan payments. U invest in the downpayments and mortgage whenever no tenant.

at the end of loanterm u will have the townhomes with loans full y paid and aa vache dabbutho leg meedha leg vesukoni enjoy seyyocchuu




shamshabad lo 4 acres total 90 Lakhs ki cheptunnaru.. manchi bit.. edho baaga avaramayi ammuthunnadu.. mottam akkade theesukunte risk aa leka naalugu chotla invest cheddaama ani alochisthunnaa.
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Andhrawala
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Post Number: 18604
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Posted on Thursday, February 28, 2013 - 02:01 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Ustad:


2 cr save chesukoni vellali ante 90% people return vellaru.




2 cr not in hard cash. it could be in the form of properties or gold
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Andhrawala
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Chillarodu:


Inkoka 15 ellallo retire avudhaamante.. ekkada endhulo invest cheyyatam better?




How old are ur kids and valla sadhuvalaki dabbu arrange seyyalaa ledha ane daani meedha depends

Ippatiki HYD lo land is afforable in some areas. If u buy there definitly u will beat bank interest rate.

por example Pocharam

or else buy 2-3 townhomes in US. pretty much rent will be enough for the loan payments. U invest in the downpayments and mortgage whenever no tenant.

at the end of loanterm u will have the townhomes with loans full y paid and aa vache dabbutho leg meedha leg vesukoni enjoy seyyocchuu
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Ustad
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Post Number: 12692
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Andhrawala:

Set aside Rs 2 cr for kids education - Doctor gatraa sadhuvuthaanu ante vundataaniki



2 cr save chesukoni vellali ante 90% people return vellaru.
Bragging is a mask for insecurity. Truly confident people are quiet and unassuming.
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Ustad
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Posted on Thursday, February 28, 2013 - 01:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Telugu_times:

if you decide to spend rest of your life in usa.....
comfortable life in usa is not a big deal. any desi, every desi can live comfortably. Inka kids education ki, save cheyyaalsina pani ledhu. Provide them good education till 12th grade, then they will be on their own. That teaches them responsibility as well. Pampering chesthey.....last year Atlanta lo 300K car accident kurrodi laaga avuthaaru.
India lo avuthey....chaala kastam lay. They measure you based on your money. vaallani Ignore cheyyadam, db lo cheppinantha easy kaadhu.



Perfecto!!!
Bragging is a mask for insecurity. Truly confident people are quiet and unassuming.
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Chillarodu
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Post Number: 3192
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Posted on Thursday, February 28, 2013 - 01:55 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

RE has appreciated astronomically in the last decade thanks to tremedous growth of new economy jobs and movement of people to cities

Intha kaakapoinaa normal time lo koodaa antho intho perigedhii

naa 1st year of savings 10K ni I deposited in FCNR account by converting them @ rs 35 per USD

so 3.5 lakh ee 15 years lo oka 20 lakhs ayyivundocchu

adhe oka site konivuntee in BLR 3-5 crores ayyedi anukuntaa (this was way back in 1995)




ippudu sangathi cheppandi..
Where do you invest?
Inkoka 15 ellallo retire avudhaamante.. ekkada endhulo invest cheyyatam better?
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Chillarodu
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Post Number: 3191
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Posted on Thursday, February 28, 2013 - 01:53 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

assuming a life span of 20 years, bank nee chetha illu valla perna raayinchukoni every month they will pay say 2.5K so that by end of the term bank owns the house




ikkada set avuddemo..
India lo janalani choosava.. pillalu musallollani thanni hostel lo koorcho bedathaaru ee pani chesthe..
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Andhrawala
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Chillarodu:



appudu adhi thelisthe.. inocncham appu chesi kooda kone vaallam kadhaa brother




RE has appreciated astronomically in the last decade thanks to tremedous growth of new economy jobs and movement of people to cities

Intha kaakapoinaa normal time lo koodaa antho intho perigedhii

naa 1st year of savings 10K ni I deposited in FCNR account by converting them @ rs 35 per USD

so 3.5 lakh ee 15 years lo oka 20 lakhs ayyivundocchu

adhe oka site konivuntee in BLR 3-5 crores ayyedi anukuntaa (this was way back in 1995)
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Parugu
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Gotcha:

2 lakhs after taxes not before taxes.


ante >35L

anta packages eavaristaru indialo.(hydlo)?
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Gotcha
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Username: Gotcha

Post Number: 10274
Registered: 02-2008
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Parugu:

after taxes 1.3L untada?


2 lakhs after taxes not before taxes.
This real estate is for sale.
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Chillarodu
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Post Number: 3190
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Andhrawala:

1st two years lo 10 lakhs petti emanna konivuntee ivvalaa adhee 1 crore ayyedhii




appudu adhi thelisthe.. inocncham appu chesi kooda kone vaallam kadhaa brother
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Parugu
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Andhrawala:

assuming a life span of 20 years, bank nee chetha illu valla perna raayinchukoni every month they will pay say 2.5K so that by end of the term bank owns the house


illu takattu petti bratakala
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Parugu
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Gotcha:

india lo currently 2 lakhs per month vaste all set anukuntuna.


after taxes 1.3L untada?
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Gotcha
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Posted on Thursday, February 28, 2013 - 01:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Truelies:

Add sugar-free, bp-free, asthma-free, allergy-free, ulcer-free, cancer-free, AIDS-free HEALTHY-LIFE to enjoy all those listed above.


kalthi palu free, kalthi rice free, all kalthi sarukulu free if in india.

if in usa kalthi hormones free, kalthi enjymes free etc. ana mata. ekkada kastalu akkadivi.
This real estate is for sale.
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Andhrawala
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Posted on Thursday, February 28, 2013 - 01:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:

what is this, first time vintunna. please shed light.




por example u buy a house for 300K and now u pay every month say 2000K as mortgage payment

assuming u payoff the house in 30 years by the time of retirement u have house without any mortgage. full paid.

assuming a life span of 20 years, bank nee chetha illu valla perna raayinchukoni every month they will pay say 2.5K so that by end of the term bank owns the house


wiki lo:

reverse mortgage is a form of equity release (or lifetime mortgage). It is a loan available to home owners or home buyers over 62 years old, enabling them to access a portion of the subject home's equity. The home owners can draw the mortgage principal in a lump sum, by receiving monthly payments over a specified term or over their (joint) lifetimes, as a revolving line of credit, or some combination thereof. The would be home buyers, would use the existing equity on the home they intend to acquire, to get a reverse loan with a down payment and no additional payments.[citation
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Gotcha
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Posted on Thursday, February 28, 2013 - 01:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

india lo currently 2 lakhs per month vaste all set anukuntuna. if this date keeps moving every year add 15% to it to cover inflation.
This real estate is for sale.
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Bunty717
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Posted on Thursday, February 28, 2013 - 01:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:

inka target purthi avvaledha


king goru ki vollu antaa chematkaramee..
andariki golden heart PK telusu.. naaku KF telusu..
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Andhrawala
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Posted on Thursday, February 28, 2013 - 01:35 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Chillarodu:

ippudu 1 crore pattulethe.. oka illu vasthadhi.. inka dharjaga dhentho bhathikedhi?


1st two years lo 10 lakhs petti emanna konivuntee ivvalaa adhee 1 crore ayyedhii
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Parugu
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Posted on Thursday, February 28, 2013 - 01:34 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

retirement lo go for reverse mortgage.


what is this, first time vintunna. please shed light.


Andhrawala:

also ippudu monthly one lakhs income thro savings vasthunnayi antee


savings kaadu, salary.
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Chillarodu
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Posted on Thursday, February 28, 2013 - 01:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:

nen 100k save chesi desam elli retire anukune vaadini..10yrs lo inta change vostaadi anukoledu..




oka peddayana cheppadu.. ikkadaki vache mundhu..
year ki 10L save chesetattu choodandi.. 10yrs 1Crore sampadhinchukoni back randi.. ikkada dharjaaga bathakochu ani..

then emma.. ippudu 1 crore pattulethe.. oka illu vasthadhi.. inka dharjaga dhentho bhathikedhi?
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Andhrawala
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Posted on Thursday, February 28, 2013 - 01:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Parugu:


so 12L take home salary + own apt/home + vehicle unte gayiga gadipeyavachu.

so retirement cash enta undali?




retirement lo go for reverse mortgage. also ippudu monthly one lakhs income thro savings vasthunnayi antee principal vuntundhi kathaa use that egg
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King
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Bunty717:

100k save chesi desam elli retire anukune vaadini.



inka target purthi avvaledha
Ashton - I'm living an Amish lifestyle. so far so good.
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Chillarodu
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Boston_baba:

I stay & work in india.




mari Bostonb_Baba anna peru ki reason? inthakamundhu Boston lo vunnara?
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Bunty717
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Telugu_times:

MS chadhivay rojullo....
$100K untay...Life too cool anukunay vaadini.


nen 100k save chesi desam elli retire anukune vaadini..10yrs lo inta change vostaadi anukoledu..

antaaa RE chesindi..
andariki golden heart PK telusu.. naaku KF telusu..
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Telugu_times
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MS chadhivay rojullo....
$100K untay...Life too cool anukunay vaadini.
lol
expectations change regularly
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King
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Bunty717:

1L per month edu exps aa..



he said total exp = 1 lakh
Ashton - I'm living an Amish lifestyle. so far so good.
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Bunty717
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Parugu:

education expeneses = 1L per month.


1L per month edu exps aa..
emi chadugulu ivi..
andariki golden heart PK telusu.. naaku KF telusu..
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Shikari
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thokkalo jobs chesi entha sampadistharehe...start a business...u take care of it for a while..it will take care of u forever.
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Parugu
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Nagfanscom:

TOTAL MONTHLY EXPENSES = 25K+2k+4k+2k+3k = 35k + Buffer 10k = 45k comfortable



+ education expeneses = 1L per month.

so 12L take home salary + own apt/home + vehicle unte gayiga gadipeyavachu.

so retirement cash enta undali?
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Boston_baba
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Bunty717:



Future is not to be predicted.. It is to be created...
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Bunty717
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ee topic tmplate based mass bommal type.. denemaaa same topic diff titles tho esinaa hit ayipotaadi..
andariki golden heart PK telusu.. naaku KF telusu..
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King
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Nagfanscom:



where is bar expense? I ask, you tell
Ashton - I'm living an Amish lifestyle. so far so good.
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Siloan
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Posted on Thursday, February 28, 2013 - 12:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

nagfans sodara...very simple but bootiful post
Jai PARAKALA
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Pulpfiction
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Nagfanscom:




3mar bro .. with due respect, NRIs will be aligned to a particular lifestyle .. ur inputs should take into account that kadha ?
I'm neither that weak nor wicked. -- Pathfinder Kurrod
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Boston_baba
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Nagfanscom:



nenu venu ni...
Future is not to be predicted.. It is to be created...
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Truelies
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Nagfanscom:

25k for a family of 2+2 = 25k




25k for family - idi ippati prices prakaram. you need to consider the inflation also...next year or after 3/4 years, 25k saripoka povachu.
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Iamim
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Boston_baba:

anthe kani, ee vicious cycle nunchi mukti ledantaru...




Even in IT if you have luck.. or with good contacts.. you will get cool jobs..
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Nagfanscom
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Boston_baba:

how much money, safety cushion we need to get back to some light weight, low paying job & pursuing some thing ur heart lies in?? (may be doing nothing as well)?




Middle Class Man la cheputha.....Mr Pellam lo Rajendra Prasad la Cut banina and lungi tho happy ga undali ante:

Shelter:
--------
Own House/Flat - Doesn't matter 2BHK or 3BHK

Monthly Expenses:
-----------------
Vegetables+Fuits+Groceries+gas+current+servant+milk+water+co smotics+phone bill+house/flat maint - 25k for a family of 2+2 = 25k

Expenses for Movies/Hotels - one movie(500) and one eat out in month (1500) =2k. Not talking about Multiplexes and Star Hotels, Pubs n Bars. Normal A/c theaters and decent A/c hotels.

Festival Expenses - 4k per month on an average (1k per member/month) - It comes 12k per member per year on new dresses,sweets,chappals,shoes etc.=4k

Seasonal Diseases Medical Expenses (apart from Med Insurance)OP consulation, medicines - 2k/month (no chronic/critical diseases and no BP/Sugar complaints)=2k

Bike/Car Fuel expenses- 3k petrol/month (incase of a no/low end job this expense will be much less). Job within 15km radius.=3k

TOTAL MONTHLY EXPENSES = 25K+2k+4k+2k+3k = 35k + Buffer 10k = 45k comfortable to lead a respectable life without lending from others unless untill there is a medical emergency.

Yearly Expenses:
------------------
Education - Depends - There are several schools in Hyd wheere annual fee is around 40-60k per year + 10k for Transportation per year

Medical Insurance Premium - Basic Family Floater - 20k per year
3 lakh critical illness coverage, 5lakh Accident coverage, 2k per day hospitalization coverage.
Even For 10 lakh Critical illness coverage it is 3k per month.
http://www.maxbupa.com

Travelling to functions and Native places - Depends. Travelling in 3rd A/c and proper planning by booking tickets in Garibh Rath kind of trains will be cost effective (no tatkals, no cancellations )

If your children are capable enough to get seats in Universities,RECs, adn Govt institutes then you are the luckiest parent. You will get education loan, which can re paid by your children at later course of time

Spend time with your loved ones and groom them as good citizens

All the above are facts derived from my current middle class life style.

-3nMar
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Humpty_dumpty
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Posted on Thursday, February 28, 2013 - 11:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

agree with simba
appati laanay ippudu kooda kasta padi high compensation techukuntunna wallu unnaru
irrespective of visa status, consulting vs FT gola

you either stop complaining or live with the fact that you are not trying hard enough
nen second tyfe...kiki
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Linkmaster
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Telugu_times:

if you decide to spend rest of your life in usa.....
comfortable life in usa is not a big deal. any desi, every desi can live comfortably. Inka kids education ki, save cheyyaalsina pani ledhu. Provide them good education till 12th grade, then they will be on their own. That teaches them responsibility as well. Pampering chesthey.....last year Atlanta lo 300K car accident kurrodi laaga avuthaaru.
India lo avuthey....chaala kastam lay. They measure you based on your money. vaallani Ignore cheyyadam, db lo cheppinantha easy kaadhu.





geethopadesam.. very good conclusions ..
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Boston_baba
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Masularex:

you need thala pogaru... tons of it !



thanks annai...
Future is not to be predicted.. It is to be created...
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Simba
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Jodhaa:

but appatlo vachina vallaki big plus enti antey RE investments...min 20-30 times ayyaaye returns...aa chance maaku ledhu ippudu



fyi.. this is just me. My RE investment in India is ZERO. Bought one apt. in Hyd and sold. If I am not going to R2I, why invest there?
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Andhrawala
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Jodhaa:

appudu meeku intha strict ga status maintain cheyyaalsina need kooda ledhu kada baba..PP pampisthey stamp vesi pampeyvallu..ippati laaga client place ki vachi check chesey scene appudu undha?




San Antonio lo konthamandhi telugu Akula kurrollani arrest kooda seseruu appatlo ignanam fraud employer sesedu ani
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Jodhaa
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Telugu_times:

appatlo inni ganam jobs, inniganam status ni maintain cheyinchey desi companies levu ani theliyadhu


appudu meeku intha strict ga status maintain cheyyaalsina need kooda ledhu kada baba..PP pampisthey stamp vesi pampeyvallu..ippati laaga client place ki vachi check chesey scene appudu undha?

So eppudu undey kashtaalu appudu untaaye ee desham lo...but appatlo vachina vallaki big plus enti antey RE investments...min 20-30 times ayyaaye returns...aa chance maaku ledhu ippudu :D
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Masularex
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Boston_baba:

How much we need to switch to light weight job?


you need thala pogaru... tons of it !
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King
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Posted on Thursday, February 28, 2013 - 11:17 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

ani nenu ekkada annanu?



Simba:

Ee desam vacchina kotthalo survival was biggest issue. Ippati janala ki aa kastalu ento kooda teliyavu.



Ashton - I'm living an Amish lifestyle. so far so good.
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Chillarodu
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Posted on Thursday, February 28, 2013 - 11:09 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulpfiction:

1 3-BHK 3 Bath Loan Free
1 SUV Loan Free
1 Sedan Loan Free
1 2-Wheeler Loan Free
4C Liquid Assets that return 2L minimum interest etc income per month
Other Assets Mee opika ...

Eee Profile untey life can be very very cool in india ..




assuming.. ivanni.. manam sampadhichinavey (not inherited by parents) ayithe..
avi vachin tharuvaatha.. retirement concept vundadhu..
In the first place you can acieve all these things with hard work and good planning..
So avi anni vachina tharuvaatha kooda.. you will not be a person who just relax and not do anything..
ivi sampadhinchinavadu.. edho okati cheyyakundaa vundadu even at the age of 50 in my opinion..
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Simba
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Posted on Thursday, February 28, 2013 - 11:05 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


King:

Secondly, why do you think that you are the only one who faced hardships and struggled in this country?



ani nenu ekkada annanu? kadupu nindina vaadu ennaina cheptadu ani annavu kada... kooti kosam koti vidhyalu nerchukomani nenu antunna...
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King
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}

Simba:

There is no such thing as free lunch, especially in US. Ee desam vacchina kotthalo survival was biggest issue.



To start with no way did I mean to ridicule you, pun was intended. Secondly, why do you think that you are the only one who faced hardships and struggled in this country?
Ashton - I'm living an Amish lifestyle. so far so good.
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Pulpfiction
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loan free antey freebie ani kaadhehey ..

loan teercheyyandi ani ardham ..

my previous post meant that first clear all loans for those assets, then have some liquid assets that give min of 2L income per month ..

this will ensure that u can spend ur days doing what u love happily
I'm neither that weak nor wicked. -- Pathfinder Kurrod
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Truelies
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Pulpfiction:

1 3-BHK 3 Bath Loan Free
1 SUV Loan Free
1 Sedan Loan Free
1 2-Wheeler Loan Free
4C Liquid Assets that return 2L minimum interest etc income per month
Other Assets Mee opika ...

Eee Profile untey life can be very very cool in india ..




last but not least -

Add sugar-free, bp-free, asthma-free, allergy-free, ulcer-free, cancer-free, AIDS-free HEALTHY-LIFE to enjoy all those listed above.
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Andhrawala
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Boston_baba:

how 40+ ppl are coping up with this period?




once u become 40+, ur loved ones live with you

ur children and wife are with u . so no staying away from loved ones.

pandakki pabbananiki parents and brothers ni meet avvuthaavu

Being 40 plus daiva chinthana perugutheee u will attain salavation
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Andhrawala
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Pulpfiction:

1 3-BHK 3 Bath Loan Free
1 SUV Loan Free
1 Sedan Loan Free
1 2-Wheeler Loan Free




How abt gas, utility bills

anni free free avvaali antee manaki 2014 lo Swarna yugam ravaaali antheyyy
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Telugu_times
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Simba:

Ee desam vacchina kotthalo survival was biggest issue. Ippati janala ki aa kastalu ento kooda teliyavu




Thammullaki thelisindhi okkatay. appatlo GC easy anay oka misconception. appatlo inni ganam jobs, inniganam status ni maintain cheyinchey desi companies levu ani theliyadhu
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Boston_baba
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Kukatpally:

chese 9-6 job ni love cheyyandi... appudu ilanti thoughts raavu anukuntunna



anni mana chetilone untaya?? how long can we sustain this love/interest/motivation?
anduke adugutunna.. how 40+ ppl are coping up with this period?
Future is not to be predicted.. It is to be created...
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Simba
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Pulpfiction:

1 3-BHK 3 Bath Loan Free
1 SUV Loan Free
1 Sedan Loan Free
1 2-Wheeler Loan Free
4C Liquid Assets that return 2L minimum interest etc income per month
Other Assets Mee opika ...

Eee Profile untey life can be very very cool in india ..




Emi lenodiki, one fine day ivanni iste... he will definitely find a way to screw up his life and land in troubles. Money is not the answer to peace.
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Kukatpally
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Posted on Thursday, February 28, 2013 - 10:49 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

chese 9-6 job ni love cheyyandi... appudu ilanti thoughts raavu anukuntunna
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Telugu_times
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Pulpfiction:

Eee Profile untey life can be very very cool in india



eee roju avi levu kaabatti, untay life cool anipisthundhi.
avi unna roju....bar peruguthundhi.
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Pulpfiction
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Posted on Thursday, February 28, 2013 - 10:46 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

1 3-BHK 3 Bath Loan Free
1 SUV Loan Free
1 Sedan Loan Free
1 2-Wheeler Loan Free
4C Liquid Assets that return 2L minimum interest etc income per month
Other Assets Mee opika ...

Eee Profile untey life can be very very cool in india ..
I'm neither that weak nor wicked. -- Pathfinder Kurrod
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Boston_baba
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Rudraksha:



cities indefinite ga grow avutane untayantaru...
Future is not to be predicted.. It is to be created...
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Simba
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King:

mee lanti kadupi nindina vallu enthaina cheputaru..just saying



sure... I like to share my joy with others. But, ee level ki raavataniki entha kasta paddano telusa? There is no such thing as free lunch, especially in US. Ee desam vacchina kotthalo survival was biggest issue. Ippati janala ki aa kastalu ento kooda teliyavu.

If you work hard for you goals, you never complain!!
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Feelgud
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If u want the numbers this is what i can sayn..! 50 times of your annual expense .. Inest that money so that returns should beet the inflation
www.TheLinuxDesk.com
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Andhrawala
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Simba:

Avva kaavali buvva kaavali ante etla? Unless, you inherit or win a lottery




or Marry a girl from rich family with no brothers and sisters
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:44 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

how much bills to pay,



depends on quality of life.... depends wt will be prefered by u, ur family and kids.

Simba:

which schools to send



no need to compare with others. our duty to give them quality education to stand in this competitive world.

Simba:

what apt. to buy



again, no need to compare. decent flat in decent colony, with good amenities etc.. if needed, moving to tier-2 town is no issue. do we lose any thing with that?
Future is not to be predicted.. It is to be created...
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Rudraksha
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Boston_baba:


naa maata vini 20yrs back kondapur, hitec, madhapur, gachibowli etc area lo oka 2acres landi koni unte ippudu pani cheyavalasina avasaram undedi kaadu.

ippudina naa maata vini, ORR ki oka 20KM rangelo oka 2acres konandi, inko 10yrs taruvata meeru emi pani cheyavalasi raadu.
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King
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Simba:

Avva kaavali buvva kaavali ante etla?



mee lanti kadupi nindina vallu enthaina cheputaru..just saying :-)
Ashton - I'm living an Amish lifestyle. so far so good.
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Simba
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Posted on Thursday, February 28, 2013 - 10:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:

all is needed is peaceful life, without any regrets about our choices.



Peace anedi nuvvu anukune daanni batti untundi. Okari 10C bank unte peace, okari 2 kg gold unte happy... oka sanyasi ki ivi emi lekunna peaceful ga untadu.

You are comparing with others as what would be your peaceful life (how much bills to pay, which schools to send, what apt. to buy). You be in the vicious cycle and work hard like others... or, lead your life with no barriers.

Avva kaavali buvva kaavali ante etla? Unless, you inherit or win a lottery :-)
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Wrangler
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Posted on Thursday, February 28, 2013 - 10:32 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

You will be happy if you stop complaining and stop comparing with others.






Golden words! I say :-)}
NTR and YSR are nothing short of a boon to telugu land.

http://telanganaissue.files.wordpress.com/2010/02/14469.pdf
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Boston_baba
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Simba:

You will be happy if you stop complaining and stop comparing with others.



no comparison or complaints.. all is needed is peaceful life, without any regrets about our choices.
Future is not to be predicted.. It is to be created...
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:31 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

If you don't care about money, why bother about numbers? Looks like you are not comfortable with 9-6 job. Work on something you like, even if it pays less.

You will be happy if you stop complaining and stop comparing with others.



yes annai.. not worried too much abt numbers. at the same time, we shudnt deny future generations any opportunities that come their way.
im just wondering wt comforts we need (ofcourse very subjective) to lead a peaceful life.?

wt these high salaried 40+ aged are doing with their salary -- their spending pattern ? would they have chosen different options, given a choice?
Future is not to be predicted.. It is to be created...
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Simba
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Boston_baba:

28 annai.. biggest fear is not money or security... how long can we do this job?



If you don't care about money, why bother about numbers? Looks like you are not comfortable with 9-6 job. Work on something you like, even if it pays less.

You will be happy if you stop complaining and stop comparing with others.
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Boston_baba
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Andhrawala:

Modatloo ala avuntundhii . ponu ponu alavaataipothundhii



anthe kani, ee vicious cycle nunchi mukti ledantaru...
Future is not to be predicted.. It is to be created...
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Andhrawala
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Posted on Thursday, February 28, 2013 - 10:23 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:


28 annai.. biggest fear is not money or security... how long can we do this job?




Modatloo ala avuntundhii . ponu ponu alavaataipothundhii

U need some job to pay off ur bills
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:20 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

How old are u??

reire by 50 years and by that time earn whatever needed with proper investments on the way




28 annai.. biggest fear is not money or security... how long can we do this job?
Future is not to be predicted.. It is to be created...
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Andhrawala
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Posted on Thursday, February 28, 2013 - 10:17 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:



in summary: own house + 2C for future needs + 10L p.a. for daily living antaru.
idi achieve cheyalante entha time kavalo




How old are u??

reire by 50 years and by that time earn whatever needed with proper investments on the way
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:15 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:


Rs 10 lakhs per year income rentals/bank interest/dividends in stocks vuntee saalu

Set aside Rs 2 cr for kids education - Doctor gatraa sadhuvuthaanu ante vundataaniki

My brother son is Drr KKR Gowtham school. yearly one lakhs fees. next inter two years ki around 3.5 lakh avvudhi

Engineering anukoo arnd 10 lakhs. Medicene antee u need more money




in summary: own house + 2C for future needs + 10L p.a. for daily living antaru.
idi achieve cheyalante entha time kavalo
Future is not to be predicted.. It is to be created...
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Boston_baba
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Telugu_times:

if you decide to spend rest of your life in usa....



I stay & work in india.
Future is not to be predicted.. It is to be created...
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Jodhaa
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Emc2:

oka standard antu emi ledu, mana needs and mana mind satisfaction patti maname oka line draw chesukovali..


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Emc2
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oka standard antu emi ledu, mana needs and mana mind satisfaction patti maname oka line draw chesukovali..
cherapakura chedevu.
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Telugu_times
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Posted on Thursday, February 28, 2013 - 10:09 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:

comfortable standard of living ante endi?? -
kids education ki entha kavali...



if you decide to spend rest of your life in usa.....
comfortable life in usa is not a big deal. any desi, every desi can live comfortably. Inka kids education ki, save cheyyaalsina pani ledhu. Provide them good education till 12th grade, then they will be on their own. That teaches them responsibility as well. Pampering chesthey.....last year Atlanta lo 300K car accident kurrodi laaga avuthaaru.
India lo avuthey....chaala kastam lay. They measure you based on your money. vaallani Ignore cheyyadam, db lo cheppinantha easy kaadhu.
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Andhrawala
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Posted on Thursday, February 28, 2013 - 10:08 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:

comfortable standard of living ante endi?? -
kids education ki entha kavali...
btw.. india lo slogging chestunna badugu jeevulu em cheyali?




Rs 10 lakhs per year income rentals/bank interest/dividends in stocks vuntee saalu

Set aside Rs 2 cr for kids education - Doctor gatraa sadhuvuthaanu ante vundataaniki

My brother son is Drr KKR Gowtham school. yearly one lakhs fees. next inter two years ki around 3.5 lakh avvudhi

Engineering anukoo arnd 10 lakhs. Medicene antee u need more money
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:06 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

idhi vunte happy gaa vellipocchu



already ikkade unnolla position endi? small towns nunchi vachi, hyd/blr lo not so quality life lead chestunna valla position endi? is it really worth it?
Future is not to be predicted.. It is to be created...
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Boston_baba
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Telugu_times:

db lo sagam mandhi eee type ye gaa?



Future is not to be predicted.. It is to be created...
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Boston_baba
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Posted on Thursday, February 28, 2013 - 10:04 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

One house to live in HYD enough money to have comfortable standard of living for rest of ur life and money for kids education



house - fine....
comfortable standard of living ante endi?? -
kids education ki entha kavali...
btw.. india lo slogging chestunna badugu jeevulu em cheyali?

hyd/blr lo own house unnaka... comfortable life ki monthly entha income kavali?
Future is not to be predicted.. It is to be created...
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Boston_baba
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All_day:



ade annai.. entha kavali... $1 petti enthaki lottery kavali?
Future is not to be predicted.. It is to be created...
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Telugu_times
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Boston_baba:

how much money, safety cushion we need to get back to some light weight, low paying job & pursuing some thing ur heart lies in?? (may be doing nothing as well)?



db lo sagam mandhi eee type ye gaa?
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Andhrawala
Hero
Username: Andhrawala

Post Number: 18563
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Thursday, February 28, 2013 - 10:01 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Boston_baba:

how much money, safety cushion we need to get back to some light weight, low paying job & pursuing some thing ur heart lies in?? (may be doing nothing as well)?




One house to live in HYD enough money to have comfortable standard of living for rest of ur life and money for kids education

idhi vunte happy gaa vellipocchu
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All_day
Junior Artist
Username: All_day

Post Number: 471
Registered: 06-2012
Posted From: 107.0.27.252

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Posted on Thursday, February 28, 2013 - 10:01 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

$1 to buy a lottery ticket.
Only Thing We Have to Fear Is Fear Itself - FDR
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Boston_baba
Comedian
Username: Boston_baba

Post Number: 1280
Registered: 07-2012
Posted From: 122.178.230.148

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Posted on Thursday, February 28, 2013 - 09:59 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

guys,

how long can we do this 9-6job with odd time calls & extra working hrs, suffering back pains, missig personal life & staying away from loved ones?
how much money, safety cushion we need to get back to some light weight, low paying job & pursuing some thing ur heart lies in?? (may be doing nothing as well)?
Future is not to be predicted.. It is to be created...

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