Please join other desi returnees and be part of community to engage in relevant discussions by filling and following the instructions in the form (link below) docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform
Golden words of wisdom for our everyday life to be happy wherever we are. He also nailed it saying the US is the best place to work and India is the best place to retire. Ignore the irritants that come along our way.
We too came back to India after spending 25 years in Africa. Our 2 Sons are in USA and Canada. My personal experience in making the move back to India is "no regrets ".I can only agree totally with what is expressed here. 5:57
If you are middle class but not rich, to give an example, retiring in India with some savings or pension will go a long way to settle down to a happy and secure life and living with good medical services and in home care available. So just plan to make your life better, as the gentleman said, save 50 to at least 40 percent of your income every month for a sound future, that any younger folks starting their career should plan for. Life is hard for those at the bottom rungs of society and with certain issues, which I fully agree and empathise.Cheers.
Good thoughts from this couple. Emotional factor to come back to your homeland is a major factor - cannot be measured. All services available in India and cheap, but not necessarily good quality, both in kind and professionslism ( corruption). This one must accept...then Indua is a great pkace to require afyer choosing the right location/city.
Thank you both for giving this open, frank interview. Your experiences and insights are immensely helpful. Saving 50% of the total income is a great public secret revealed.!!! We all know it but don't do it!!! Repeated hammering like this is helpful.
Very nice interview. Sri Ramakrishnan and his wife spoke so well. The questions very relevant Awesome About getting social security from US in India - they are still US citizens and have bank account in India How about those who are not US citizens or even a green card holders or permanent US resident being on H1 say, , is it possible to get social security credited to account in India ?
Thanks a lot for the feedback. Yes one would qualify for SS benefits once they meet the 40 credits even if there are not US citizens or GC holders living in India. Please check our video about that on the channel
After several years in US, I am contemplating a return to Bangalore and your Non Profit group seems like a good option, and the nice thing is depending on your affordability and liking can choose popular areas within the city or outskirts. If there are any such groups in formation would like to explore.
Thanks for watching. If you have interest to learn more about the non profit group that Mr and Mrs. Ramakrishnan are running, please send a note to info @ desireturn .com so I can provide the contact details and you can have further conversation. Thanks
The confusing thing is you that one cannot be outside the USA more the 6 months….because one loses Medicare and SSI benefits….so how does he work around that…. Can a non-Indian, American citizen retire in India…will you need a Special visa….????
@@DesiReturnSo glad found your site! In same dilemma as much NRI retirees n these videos give insights n shared experiences. priceless ! best wishes, Syd, Australia
Young blood wouldn’t stay if there is no job security and if the pay is not good. In the west, you work hard but you don’t have to worship the feet of your employer. In India, you are managed as if you are still in school by a principal in the work place.
🎯 Key points for quick navigation: 00:06:13 *🌍 India is considered the best place for retirement due to the favorable cost of living and accessibility to services like medical help and household staff.* 00:10:11 *💸 Financial planning focused on saving 50% of income throughout their careers enabled a comfortable retirement in India without lifestyle changes.* 00:14:30 *🇺🇸🇮🇳 Retirees with US citizenship living in India can manage tax obligations in both countries without negative financial impacts.* 00:16:01 *🏠 Community service efforts in India led to the creation of a nonprofit trust providing housing and support for elderly residents.* 00:22:04 *😊 Adjusting to different cultures and lifestyles when moving countries is crucial for happiness and integration, whether in India, the US, or Africa.* Made with HARPA AI
Another very insightful video. Kudos to you Avinash ! It is apparent that this is not your typical retired couple, they seem highly accomplished and i cannot imagine what their investment portfolio would be given their 50/50 mantra! Times unfortunately now are different compared to their time in the US. Easier to save 50% when you have 20k a month as opposed to 3k. Regardless, they hit the nail on the head about the dollar going a lot further in India and it makes FINANCIAL sense to stick on in the west AS LONG as you are able to save a fair amount regularly. But the decision to relocate is definitely not purely financial. At this age it makes so much more sense to be in a place where conveniences are in abundance. Very important to be as self sufficient as possible and build a community of like minded individuals especially if you know you may not have family to support you during these years. Would have loved to know more about Indore as that seems to be coming up as a preferable place to relocate to in retirement.
Thanks so much! Very well said.. Glad you enjoyed it and I am really grateful for this young couple to be able to share their journey which is very insightful for a lot of people.
One question as long as both couples are alive, one can take care of the other. How do we handle if one is not alive? Even hospital would want a care taker to be present. How to manage in such situations ?
All is good except for the fact that having a restriction on residents' food habits. It is a personal choice and should never be a criteria for inclusion. Each for their own. Best wishes. Also, most importantly, when one spouse crosses over, how will you manage life? Eg. My dad has macular degeneration which has made him dependant on my mom. My mom got diagnosed with lung pressure and related heart issue lately and is having hard time managing. They are 84, 76. They are managing on their own. They don't depend on us for money. But cannot say life has been easy. You can live safely in India as long as you have health and spouse. After that, life is challenging until and unless you have a person living with you who you can trust. There is no one formula that fits all. Do what is good for your family and be satisfied. Best wishes to all!!
Yes every ones life and experiences are different and one formula does fit. Please note that it their own non profit senior living and thats their meal preference for the group and we need to respect that. In terms of life with out spouse, everyone has different opinion on which place is better. As long as they are clear and decide. Its good.
Great topic. I am 47 and started building my retirement home in Kerala, India. Seeing the place that you grew up makes big difference especially when you are old. By the way I live and work in Canada since last 18 years and planning to retire @55
I like their attitude towards living life. They are not sad like many typical Indian parents who keep crying about kids living in foreign and left parents in India. They can do that only because they live outside of India. The only thing that made me wonder is their discrimination about the nonvegetarian community staying with them. When they are saying accommodating every one in other countries...why are they not doing the same in their own country?
Thanks for sharing your thoughts. We just need to acknowledge Its their non profit organization and their way of running it, but I understand your point.
I live in the USA for past 35 years, my entire family is vegetarian. When he talked about accommodating everyone, he meant you should learn to work in a diversified community, so your life is easy and happy. I do that everyday in my work. My best friends are from a diversified group. That does not mean you compromise on your personal eating habits to accommodate a diversified group. We work hard for our food. Especially when you get older, your food becomes an integral part. Let’s say if he allows non- veg food, 50 % of vegetarians may be okay with it the remaining 50 % have to find another source for their food. Instead of asking why he. Can’t accommodate non-veg food in his group, you can ask for his idea to create another group where you can provide non-veg food. So both groups are happy. This is for elderly people to stay happy.
We don't need 25 mins of discussion for that. It's simple, power of purchasing disparity. The can live for one year peacefull ly with 1 month pension from US.
Agree to some extent. Its not only purely financial aspect, there is quality aspect, life after the move etc., without all those details, story would be incomplete. Thanks for watching
It's as easy as you'd say. Moving from one country to another takes a lot of thinking/ effort, it's a big decision, certainly having enough money makes it's a little easier. This forum is for that I believe..share one's experience, knowledge etc. for me it's good to know what others think/ their experiences..I'd do my own research too..with all of it helps me to make a better informed decision.
@@gnanasekarthiyagarajan7680 Yes, you should also boast about how you exploit the poor people in India by employing them as cook, house maid and pay them peanuts because they don't have any other option. That is a great facility in India because 80 % of people are very poor and do any work for you if you throw them a piece of bread. Your diplomats when posted in place like NYC breaks the local law by paying their domestic help less than minimum wage and then get arrested, you guys have absolutely no shame. Stay happy in India by sucking the blood of poor people because it is much cheaper than water.
You get groceries deliveries / medicine delivered, haircuts done at home/ easy domestic help/ food delivery though some things aren't as predicated/ reliable/ you'll find genuine people.
Wonderful advice sir!!! Some parallels I can draw with my own journey. The Chandariya group is oshwal community (same community as me) aware of their work and charity for Kenya community and also India community. I too live in NJ now since past 11 years very close to Hamilton. Golden years!!! Wonderful advice.
This discussion is an eye opener about our motherland to many who consider Western countries are better. I am seventy year old and planning to join a senior citizen home . Can you please arrange provide the contact information of Mr. Ramakrishnan's society as I require vegetarian home. Regards
HARRIS was raised as a middle class child and understands the MAJORITY of AMIRICANS.She has Character, Charisma and believes in UNITY,LOVE,EMPATHY and PATRIOTISM.
Good interview. But i see lots of people go back with $ to India for the same reason this couples mentioned. I live in a metropolitan city in U.S.A. , It has a huge Indian population. Lots of people go back but sadly return to U.S.A. after few years and mainly due to red tape , infrastructure and to corruptions. To deal with making big purchase or sell like home etc. things moves very slowly and it will move faster if you know someone and brine . All the foods can be delivered here, home cooks or tiffin services provoded by housewives , temples on daily basis. If you want can get a Indian person to cook daily, clean hones, maintain your garden/ backyard . Doctors can get away with anything in India. Yes, its a great country my motherland, I am proud to be Indian. Where to retire is individual vdecision and one's own priorities. Good luck to this couple, wishing the best for them 🙏🏽♥️ Money talks everwhere.
I absolutely agree with you where to live in your old age is a very individual decision! Each person has his or her needs and likes. I for one will never go back to India to spend my last days when my children and grandchildren are here in the USA. Only advantage in going to India to spend your last few years of life is that you can have a lot of money there because of your dollars. No other advantages. I have lived and worked in USA for 52 years and this is home in every way for me. My kids are well settled and I would rather spend the rest of my life peacefully here. My opinion.
I like your decision perhaps your children take care so well and no need to look back your motherland I salute yr children for yr comfortable stay in US
Currently, I am living in US for last 25 years. Both my parents & my in-laws are living in India. And my daughter is very small (yet to start her kinder garden). My parents & her parents live great distance apart (Kolkata & Mumbai). I still plan to work another 10 to 15 years and then move back. By that time my daughter will be in teens. Any advice on what should be my strategies to start preparing now? This channel is awesome by the way.
Thanks for the feedback!! Glad to know that you have a plan in mind. Moving when your daughter is in teens could be a bit tough for her to adjust (sooner the better- before middke school if possible). If you need 10-15 years, take more trips to India with your daughter so she is familiar with and excited about the move etc., good luck and please share content with others who might benefit from it.
I am Married for 25 years no kids we are South Indians I want to move back to India I do love America what hesitated us to retire in USA cost of living medical expenses extremely high even if we payed our mortgages still need to pay property taxes I don’t live mid west down south states I don’t feel safe of their ideology one of my friends parents moved mid west states he felt unsafe Best place to live is New England states of USA but their taxes are so high just of taxes early paying minimum of 10 thousand USA dollars I know why we need to pay taxes it helps USA government Just debating myself we both are health care field above 50 years now
Yr idea of non-profit trust to create a sr citizens home sounds so good and fortunate to enroll like minded seniors Can y please send the project report to float one such in Chennai as we are big diliama to continue to live in US or go back to spend our retirement We r 72 and 77 Healthcare is a big nuisance in US as all other things are manageable as long as we r together life will be different when one bird is out leaving the other in lurches yr advise in such situation please
A couple of points that are a little confusing. I lived 30 years in usa and moved to India to retire. I am not an indian origin person but my wife is. Social security can only be given if you work more than 10 years in the USA. After that the worker is entitled to social security. Your wife is entitled to half of she is a US citizen or citizen of certain countries but not india, so it ends when you die. The pension plan is good but not a guarantee as a child can need support, or health issues can consume pension quickly so you need to be prepared to accept lifes changes including pensions. I do not have any household service and get my own milk. India is great but not because it's cheap. India is great because it's rich with intangible experience. As for taxes, you do pay more in India as there are few deductions in India. Your usa income is taxed in usa first, but because you can file jointly, the deduction is quite big. The tax is less so the same income is also taxed in India, but there is no joint deductions so you pay much more tax and can only deduct the small tax you pay in the USA, so your tax is much higher in India even though the rates are similar.
@@DesiReturn No. Social security is like a pension and is not linked to a savings account. It pays a fixed amount as long as the owner is alive, and 1/2 to the surviving eligible spouse should they select it. Some spouse who have worked over 10 years may have a higher payout so they can select their own social security. Note the spouse benefit is not cumulative, so you get 1/2 the spouse or your own, not both
Very good idea. 👌👏 Are we allowed to go and see how this trust runs? We are also senior citizens and OCI holders. We live in Hyderabad and maybe we can gather a few friends who join us in living together.
Awesome video, Thank you for this informative video. Kudos to the couple they said they went back to take care of their parents, please I would like to connect with them. Please help me reach out to them.🙏
Can you please share the concept and operations of this Non-profit association of Seniors. It will be helpful please. Is this concept cuts across people living in one premises Or across multiple apartment complexes ? How did they conceive the central kitchen, medical, housekeeping etc., curious to know please
Good one though they could have talked a lot more. I am much younger & I have been living in India for the last 3 years. His talk about tax is only half correct. He is right about setting off the tax paid but he fails to mention the higher taxes in India. The second I wish he had talked which community he was living in Blr
On point no. 1 I cannot overlook the fact he is a CA and would have done proper due diligence but I did an exercise with a CA on my global income being taxed in India, I found Indian threshold is very low for highest tax bracket of 35%+. Any one with Social Security in US will easily cross that limit. In US we probably get charged 15 to 20% . The limit as I know is Rs.10,00,000/-. I will be keen to get his views on how we can avoid the additional 15% you end up paying on the same income levels compared to US
I would like to know if you are taxed on your US income in USA or in India or both places? Do you have to pay taxes in India even if you have no source of income there?
Hello Desi return, my husband is in the supply chain and he's currently a director in a private organization, we are US citizens. He applied to several companies in India and Singapore but all were rejected, why is no one in India and Singapore willing to proceed further? Asking because want to understand the reason for so many rejections so if there's something we can change accordingly. Also, we search jobs in LinkedIn and there are not many supply chain executive/ director level jobs in India and Singapore, don't understand why because India should be having lots of Supply Chain job especially considering the population.
Thanks for reaching out. Especially for senior roles, its important to to network with hiring managers in desired companies and reach out on how one will add value. I would expect quite a feq supply chain jobs in India. If you have firther questions, please reach out to us at info @ desireturn.com or on insta desireturn.official. All the best!
Ex pay jobs are difficult to find for us citizens as the wages are expected to be high and paperwork to hire in India is frustrating. A manager in India may make $30k in India but an expat may cost the company $150k or more because of taxes, visas, trips , is taxes and lawyer fees etc. best to get a job in a foreign company first with a branch in India or Singapore and then try to transfer internally
Where in Bangalore do they reside in? What is the name/ location of their retirement home? Very interesting and informative. Please share the details. Thank you
@@DesiReturnit was lovely listening to you both.Please do share details of your non profit organization for seniors as I'm interested in the work you both are doing & knowing more about the same, thank you
I would like to join Mr. Ramakrishnan’s community if possible. I am 80 my wife 72. Our children are in the USA. We are in search of a suitable Senior Home. Presently we are in Chennai.
@@harshatrivedi5203 Please send a note to info @ desireturn .com so we can provide contact details of Mr. and Mrs. Ramakrishnan to get info about the retirement community.
Great series and very helpful! One question I would ask is about Medicare , since it is paid during our work life in US. How can it be claimed outside US?
In general, Medicare does not cover health care or supplies outside of the United States, including India. Medicare usually does not cover medical care you receive when traveling outside the U.S. and its territories.
@@bscsmscs1578 Thanks for your response! So we have to take health insurance in India to cover all expenses probably good idea to share those info during these sessions to plan for it . Thanks again!
Can I get more information about Mr. Ramakrishnan’s retirement home in Bangalore. We are planning to return to India from the US too. Would appreciate if you share more details
Am not sure if coming back to India is a great thing-all your working years which is the ‘ contributing’ years you have contributed your say 4 decades to another nation and now come to take benefit India’ s resources which you were not part of it. Leave it for Indians who stayed here and built it. When India was bereft of you professionals who left, that’s fine but stay there only. You will be able to easily purchase anything here, that is the senior living- raising cost for everything here. Where is your responsibility? Fine you went but stay there. This kind of migration has made India lose so many resources
Thank you for this informational video and interview with this wonderful and happy senior couple. May I have more information on the senior residence where they are located?
Glad you liked the discussion. They live in Bangalore. Please reach out to us at info @ desireturn.com or on instagram at desireturn.official to provide more information about guests. Thanks
Very interesting couple. My wife and I are in Canada and are thinking about moving to Bangalore to retire. Is there any space/apartment that we can obtain in this complex.
I am.told Medicare reimburses for the medical expense in India Also u can cancel expensive Medicare if you are not going back and forth to US People in higher income brackets in US pay higher Medicare premiums - u can save so much in.India
@@DesiReturncan you please interview someone who are shuttling back and forth between US and India post retirement? After living in the US for 25 years and counting, I’m seriously considering spending 6 months in US and 6 months in India. There are many people in this segment. Would be beneficial to hear someone already doing this.
@@DesiReturnI came to ask this. It would be great to see a numbers break down with some hypothetical income. What happens if social security owner passes away and spouse (non working or has worked for 10 years in the US) survives. Do kids get any benefit? What about tax advantaged education plan like 529? HSA etc?
Namaste Can you please tell us which senior housing Mr. Ramakrishan lives in and how to become a resident in this complex. Whom to contact. We have 2 NRI seniors who are looking for a senior place to move to and would like to connect with Mr. Ramakrishnan. Thank you
When you are only the one as host and your guests are 2 you should shrink your screen and extend your guest screen, look at how inconvenient you made them to fit in a small frame.
I am greatful that guests were able to get on the call and share their experiences with some technical challenges. Their video was not great but message is more important. We have couples on the show and I beleive videos was fine with them. Anyway thanks for the feedback and we will keep it in mind. Thanks
Are you kidding me... Retiring in India ? I just visited Kashmir. Forget the dirt and grime, the noise alone was enough to turn me off, not to speak of the traffic. It will take India time to develop a civic sense....not in my lifetime.
It's better to take the health insurance before returning to India (2-3 years before) so all the pre-existing conditions are covered etc., but have high deductible to minimize the costs. Please reach out to us for any specific questions at info @ desireturn .com
I think the main reason to return to India was they themselves. They left india for themselves n returned for themselves. Their parents would b independent already. They left them back for more than 30 years. Y lying simply.
WhT is there to lie here. They left wen they were young to earn and parents were young too. Once they retired they decided to return for parents n themselves.
This doesn’t make much sense. My parents in India are healthy and young right now so I have been living in the USA for past 15 years. I plan to return when they are approaching 70s, my parents are onboard this plan, looking forward to family time with grandkids living together in one home.
Social security deposits. The deposit need not be in US or US based bank. You can choose to be deposited in NRO account in a local bank - State Bank of India, HDFC or ICICI … it has be A rupee account simply because you lost Non Resident status… or can be deposited in NRE
@ You pay USincome tax on social security (upto max of 85% of the amount depending on total taxable income item 11 in 1040). Hence Double taxation avoidance agreement you dont have to pay Indian income tax. Where retire income (401k etc)double taxed.
As you rightly pointed, it depends on on your lifestyle, travel etc., assuming you have own house, no kids education you can easily live with 50k- 2 lkh per month ra based on location and lifestyle
He is making a big mistake. Healthcare in US is better than India. Money is not everything but lifestyle USA is better. I ma 70 yr old living in USA and can not leave my kids in USA and live myself in India. It is not practical.
Everyone's perceptive is different. Healthcare is more accessible and doctors can come home in India vs US. Happy to know that you like it in US, which is great.
I would also like to connect with Mr. & Mrs. Ramkrishna Lin. What a positive attitude! I wonder where their children are living, most of the desi here are stuck because their grown up children are here. The question is how much can you count on having children close by?
I concur with what the respected couple say. In west, you live a servant less life. Your organs are taxed more even after crossing 60/70/80/90 years. Medical help and diagnosis is very slow. They call it self sufficiency, but in a way it’s disgrace. No mercy. Indian life is a luxury life that you won’t get anywhere in the world. One needs God’s real blessings to have such an opportunity. Stay blessed dear uncle and auntie.
Mr. Ramakrishnan Sir - Is your group open to new comers?. If i heard right you started off as a small group and it has grown to a bigger membership. Do you have open / free land to expand with new construction? What area of Bangalore is your association situated. Thanks!!
@@DesiReturn - Thanks for your reply. I am not sure which "reply to other comment" you are referring to. I can't seem to find it. Can you paste that comment please.
@@cookmaster3626 Replied to your own comment. Anyway, please reach out to us at info @ desireturn .com so we can put you in touch with Mr and Mrs. Ramakrishnan sir so they can provide more details to your questions, etc., Thanks
Honestly...yes they are nice couple. But they are milking the US social security system. They have just contributed to it for 15 years and going to milk it for 40+ years. It is unfair, when current system is on the verge of bankruptcy. I think changes should be made to adjust to cost of living based on the country you claim to be resident. This is unfair!
One would get benefits based what's contributed and for how long. One can check their SS benefits on the SSA website. It's not like one contributing for 10 years and another person contributing for 25 years get the same pension.
@@DesiReturn Again my point is about them not a resident of US but claiming living allowance (aka SS benefit) at resident rates. It should be based on cost of living of the resident country. It is unfair otherwise. Again this is not a pension fund, this is tax collected on the (young) current contributing members income. It is unfair to them also. I would even go as far as disqualifying SS benefits if you are not a resident of US. Desperate times call for desperate measures.
@@shosansah4629If SS benefit is based on cost of living location, then someone residing in California should get 5x the SS compared to say someone in Nebraska. SS benefits are proportional to what you contributed. It's upto you how to make it work better for you. No one is stopping a US citizen from retiring in a low-cost-of-living country. In fact there are many examples of folks who retire in Mexico.
Please join other desi returnees and be part of community to engage in relevant discussions by filling and following the instructions in the form (link below) docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform
At about the age of 66 and 72 they came back to be with their parents. They are blessed their parents were there for them at that age..❤😢
True.
True. Looks like they got good genes
Golden words of wisdom for our everyday life to be happy wherever we are. He also nailed it saying the US is the best place to work and India is the best place to retire. Ignore the irritants that come along our way.
Thanks for watching and sharing some of the key insights from the episode. Have a great day👍
Every one wants forign money and Not thanking the Country in which they worked.
We too came back to India after spending 25 years in Africa. Our 2 Sons are in USA and Canada.
My personal experience in making the move back to India is "no regrets ".I can only agree totally with what is expressed here. 5:57
Thanks a lot for sharing your thoughts. Would you be open to share your journey with us. If so can please send a note to info @ desireturn . Com
next interview
For God's sake,, it's Africa where you wake up in the morning glad that you're alive and your house was not robbed the night before
@@Nina-eo8vpevery country in Africa has indians who live there happily. And India is where everybody wants to get out of
@gijuvarghese6545 that's not surprising. I too would do the same if I lived in Africa🤣
In india, life is great for rich peoole like this.
If you are middle class but not rich, to give an example, retiring in India with some savings or pension will go a long way to settle down to a happy and secure life and living with good medical services and in home care available. So just plan to make your life better, as the gentleman said, save 50 to at least 40 percent of your income every month for a sound future, that any younger folks starting their career should plan for. Life is hard for those at the bottom rungs of society and with certain issues, which I fully agree and empathise.Cheers.
Another big factor inour lives is the enormous pressure India exerts on you mentally to come back home on ones visits to India.😊
Good thoughts from this couple. Emotional factor to come back to your homeland is a major factor - cannot be measured. All services available in India and cheap, but not necessarily good quality, both in kind and professionslism ( corruption). This one must accept...then Indua is a great pkace to require afyer choosing the right location/city.
Emotional and rational factors too. Quality and service is debatable.
Thank you both for giving this open, frank interview. Your experiences and insights are immensely helpful. Saving 50% of the total income is a great public secret revealed.!!! We all know it but don't do it!!! Repeated hammering like this is helpful.
Glad you liked the episode. Please check out our other videos.
Very nice interview.
Sri Ramakrishnan and his wife spoke so well.
The questions very relevant
Awesome
About getting social security from US in India - they are still US citizens and have bank account in India
How about those who are not US citizens or even a green card holders or permanent US resident being on H1 say, , is it possible to get social security credited to account in India ?
Thanks a lot for the feedback. Yes one would qualify for SS benefits once they meet the 40 credits even if there are not US citizens or GC holders living in India. Please check our video about that on the channel
Happy to hear good things about Madhya Pradesh!
👍
After several years in US, I am contemplating a return to Bangalore and your Non Profit group seems like a good option, and the nice thing is depending on your affordability and liking can choose popular areas within the city or outskirts. If there are any such groups in formation would like to explore.
Thanks for watching. If you have interest to learn more about the non profit group that Mr and Mrs. Ramakrishnan are running, please send a note to info @ desireturn .com so I can provide the contact details and you can have further conversation. Thanks
I would like to explore the possibility of joining your non profit. Kindly share the details.
@@Theturmericclub - I am not starting any or promoting one. Looking to join the current one or if some one is starting a new one. open to ideas.
@@Theturmericclub Can you please reach out to us at info @ desireturn .com so we can provide guest contact details
The confusing thing is you that one cannot be outside the USA more the 6 months….because one loses Medicare and SSI benefits….so how does he work around that….
Can a non-Indian, American citizen retire in India…will you need a Special visa….????
Drawing great inspiration from Mr n Mrs Ramakrishnan. Service with such purpose 👏 Thank you for sharing.
Thanks for watching and sharing your thoughts!! Glad you liked it
@@DesiReturnSo glad found your site! In same dilemma as much NRI retirees n these videos give insights n shared experiences. priceless ! best wishes, Syd, Australia
@@AnRa19 That’s fantastic. Good luck with your transition!
India will become the elderly capital of Indians worldwide.
Thanks for sharing your thoughts
That is the sad part. We need young blood to take India forward
@@ushasunil5916 we have young blood in abundance. We need experience people to guide the young towards path of development
Young blood wouldn’t stay if there is no job security and if the pay is not good. In the west, you work hard but you don’t have to worship the feet of your employer. In India, you are managed as if you are still in school by a principal in the work place.
🎯 Key points for quick navigation:
00:06:13 *🌍 India is considered the best place for retirement due to the favorable cost of living and accessibility to services like medical help and household staff.*
00:10:11 *💸 Financial planning focused on saving 50% of income throughout their careers enabled a comfortable retirement in India without lifestyle changes.*
00:14:30 *🇺🇸🇮🇳 Retirees with US citizenship living in India can manage tax obligations in both countries without negative financial impacts.*
00:16:01 *🏠 Community service efforts in India led to the creation of a nonprofit trust providing housing and support for elderly residents.*
00:22:04 *😊 Adjusting to different cultures and lifestyles when moving countries is crucial for happiness and integration, whether in India, the US, or Africa.*
Made with HARPA AI
😊❤ yes sir
Another very insightful video. Kudos to you Avinash !
It is apparent that this is not your typical retired couple, they seem highly accomplished and i cannot imagine what their investment portfolio would be given their 50/50 mantra! Times unfortunately now are different compared to their time in the US. Easier to save 50% when you have 20k a month as opposed to 3k. Regardless, they hit the nail on the head about the dollar going a lot further in India and it makes FINANCIAL sense to stick on in the west AS LONG as you are able to save a fair amount regularly. But the decision to relocate is definitely not purely financial.
At this age it makes so much more sense to be in a place where conveniences are in abundance. Very important to be as self sufficient as possible and build a community of like minded individuals especially if you know you may not have family to support you during these years.
Would have loved to know more about Indore as that seems to be coming up as a preferable place to relocate to in retirement.
Thanks so much! Very well said.. Glad you enjoyed it and I am really grateful for this young couple to be able to share their journey which is very insightful for a lot of people.
Excellent interview, so full of fresh insights. Conducted very nicely.
Thank you very much for such a positive feedback. Please feel free to share others who can benefit from the content
Sage advice . I also plan to retire in India
Thanks for watching and sharing your thoughts. Good luck with your retirement.
Me too, but I am still working on convincing my wife. That's the most difficult part of it.
@@dbiswas😂😂😂😂😂
@@dbiswassame pinch but have to convince my husband 😂
Beautiful journey❤ loved listening to your words
Thank you very much!! Lot of wisdom . Please feel free to share with others who can benefit from the content.
Golden Nugget at 5:30 - To be with Parents
Thanks for watching and sharing key reason to move back
One question as long as both couples are alive, one can take care of the other. How do we handle if one is not alive? Even hospital would want a care taker to be present. How to manage in such situations ?
All is good except for the fact that having a restriction on residents' food habits. It is a personal choice and should never be a criteria for inclusion. Each for their own. Best wishes.
Also, most importantly, when one spouse crosses over, how will you manage life?
Eg. My dad has macular degeneration which has made him dependant on my mom. My mom got diagnosed with lung pressure and related heart issue lately and is having hard time managing. They are 84, 76. They are managing on their own. They don't depend on us for money. But cannot say life has been easy.
You can live safely in India as long as you have health and spouse. After that, life is challenging until and unless you have a person living with you who you can trust.
There is no one formula that fits all. Do what is good for your family and be satisfied. Best wishes to all!!
Yes every ones life and experiences are different and one formula does fit.
Please note that it their own non profit senior living and thats their meal preference for the group and we need to respect that.
In terms of life with out spouse, everyone has different opinion on which place is better. As long as they are clear and decide. Its good.
Great topic. I am 47 and started building my retirement home in Kerala, India. Seeing the place that you grew up makes big difference especially when you are old. By the way I live and work in Canada since last 18 years and planning to retire @55
Great. Thanks for sharing your journey. Good luck with everything!
I like their attitude towards living life. They are not sad like many typical Indian parents who keep crying about kids living in foreign and left parents in India. They can do that only because they live outside of India.
The only thing that made me wonder is their discrimination about the nonvegetarian community staying with them.
When they are saying accommodating every one in other countries...why are they not doing the same in their own country?
Thanks for sharing your thoughts. We just need to acknowledge Its their non profit organization and their way of running it, but I understand your point.
Everything is possible if you have tons of US dollars in your bank account . Obviously, your attitude will change!!!
I live in the USA for past 35 years, my entire family is vegetarian. When he talked about accommodating everyone, he meant you should learn to work in a diversified community, so your life is easy and happy. I do that everyday in my work. My best friends are from a diversified group.
That does not mean you compromise on your personal eating habits to accommodate a diversified group. We work hard for our food. Especially when you get older, your food becomes an integral part. Let’s say if he allows non- veg food, 50 % of vegetarians may be okay with it the remaining 50 % have to find another source for their food. Instead of asking why he. Can’t accommodate non-veg food in his group, you can ask for his idea to create another group where you can provide non-veg food. So both groups are happy. This is for elderly people to stay happy.
We don't need 25 mins of discussion for that.
It's simple, power of purchasing disparity.
The can live for one year peacefull ly with 1 month pension from US.
Agree to some extent. Its not only purely financial aspect, there is quality aspect, life after the move etc., without all those details, story would be incomplete. Thanks for watching
It's as easy as you'd say. Moving from one country to another takes a lot of thinking/ effort, it's a big decision, certainly having enough money makes it's a little easier. This forum is for that I believe..share one's experience, knowledge etc. for me it's good to know what others think/ their experiences..I'd do my own research too..with all of it helps me to make a better informed decision.
@@Rainbow_1981well said. Thanks for watching and sharing your thoughts
Decisions to move to India maybe financial. But it is important to understand whether the transition was successful.
Roots in india Gujarat born in Africa Kenya 🇰🇪 and raised my children in USA 🇺🇸 enjoying life and retirement in USA 🇺🇸 ❤
Thanks for sharing your story. Glad to know that you are enjoying lofe and retirement in US.
Please boast also about kids, richness etc 😂
@@gnanasekarthiyagarajan7680 Yes, you should also boast about how you exploit the poor people in India by employing them as cook, house maid and pay them peanuts because they don't have any other option. That is a great facility in India because 80 % of people are very poor and do any work for you if you throw them a piece of bread. Your diplomats when posted in place like NYC breaks the local law by paying their domestic help less than minimum wage and then get arrested, you guys have absolutely no shame. Stay happy in India by sucking the blood of poor people because it is much cheaper than water.
Yeah. Both r very friendly states
Thanks
You get groceries deliveries / medicine delivered, haircuts done at home/ easy domestic help/ food delivery though some things aren't as predicated/ reliable/ you'll find genuine people.
True. You have to work through the system and its not seamless yet
And you end up having all the lifestyle diseases coz of laziness after outsourcing all your jobs - to cut your life short - right ha?
A wonderful video v v sensible and informative. I’m from Blore- wish I made that choice earlier- I left it abit too late. Good luck!
Thank you for watching
Wonderful advice sir!!! Some parallels I can draw with my own journey. The Chandariya group is oshwal community (same community as me) aware of their work and charity for Kenya community and also India community. I too live in NJ now since past 11 years very close to Hamilton. Golden years!!! Wonderful advice.
Wow. Gald to hear your thoughts and sharing some parallels. Thanks for watching and providing some insights..
Great advise by this couple in the end. We have to adapt wherever we live.
True
This discussion is an eye opener about our motherland to many who consider Western countries are better. I am seventy year old and planning to join a senior citizen home . Can you please arrange provide the contact information of Mr. Ramakrishnan's society as I require vegetarian home. Regards
Thanks. Please send a note to info @ desireturn .com
We started thinking after 30 years in abroad. There’s always an emptiness and anxiety here
Thanks for sharing your thoughts. Are you still abroad?
@@DesiReturn Yes
Planning to move back in 9 years 🙏
Great. Glad to know you have a plan in place!! All the best. Hope our content helps with the move
HARRIS was raised as a middle class child and understands the MAJORITY of AMIRICANS.She has Character, Charisma and believes in UNITY,LOVE,EMPATHY and PATRIOTISM.
Good interview. But i see lots of people go back with $ to India for the same reason this couples mentioned.
I live in a metropolitan city in U.S.A. , It has a huge Indian population. Lots of people go back but sadly return to U.S.A. after few years and mainly due to red tape , infrastructure and to corruptions. To deal with making big purchase or sell like home etc. things moves very slowly and it will move faster if you know someone and brine .
All the foods can be delivered here, home cooks or tiffin services provoded by housewives , temples on daily basis. If you want can get a Indian person to cook daily, clean hones, maintain your garden/ backyard . Doctors can get away with anything in India.
Yes, its a great country my motherland, I am proud to be Indian. Where to retire is individual vdecision and one's own priorities.
Good luck to this couple, wishing the best for them
🙏🏽♥️
Money talks everwhere.
Thanks for sharing your thoughts. Yes its individual decision and there is no right or wrong but one’s preference based on their experiences etc.,
I absolutely agree with you where to live in your old age is a very individual decision! Each person has his or her needs and likes. I for one will never go back to India to spend my last days when my children and grandchildren are here in the USA. Only advantage in going to India to spend your last few years of life is that you can have a lot of money there because of your dollars. No other advantages. I have lived and worked in USA for 52 years and this is home in every way for me. My kids are well settled and I would rather spend the rest of my life peacefully here. My opinion.
I like your decision perhaps your children take care so well and no need to look back your motherland
I salute yr children for yr comfortable stay in US
@@Bapa1947what makes you think they are depending on their kids to take care of them.
Currently, I am living in US for last 25 years. Both my parents & my in-laws are living in India. And my daughter is very small (yet to start her kinder garden). My parents & her parents live great distance apart (Kolkata & Mumbai). I still plan to work another 10 to 15 years and then move back. By that time my daughter will be in teens. Any advice on what should be my strategies to start preparing now? This channel is awesome by the way.
Thanks for the feedback!! Glad to know that you have a plan in mind. Moving when your daughter is in teens could be a bit tough for her to adjust (sooner the better- before middke school if possible). If you need 10-15 years, take more trips to India with your daughter so she is familiar with and excited about the move etc., good luck and please share content with others who might benefit from it.
😂😂😂 sorry to laugh. You will
Never move back to India. This is the idea of every Indian who comes to US, but they will never go😂 back
I am
Married for 25 years no kids we are South Indians I want to move back to India I do love America what hesitated us to retire in USA cost of living medical expenses extremely high even if we payed our mortgages still need to pay property taxes I don’t live mid west down south states I don’t feel safe of their ideology one of my friends parents moved mid west states he felt unsafe
Best place to live is New England states of USA but their taxes are so high just of taxes early paying minimum of 10 thousand USA dollars
I know why we need to pay taxes it helps USA government
Just debating myself we both are health care field above 50 years now
Thanks for sharing your thoughts and good luck with your next steps
@@srinivasanpartha3826we moved back to India after living in usa for fifteen years
Looks like it is only for upper middle class seniors; not the normal middle class.
Inspiring for all seniors and retired
For sure. Also doing service and active at that age is hats off… wish I can be 50% of their energy levels.
Yr idea of non-profit trust to create a sr citizens home sounds so good and fortunate to enroll like minded seniors
Can y please send the project report to float one such in Chennai as we are big diliama to continue to live in US or go back to spend our retirement
We r 72 and 77 Healthcare is a big nuisance in US as all other things are manageable as long as we r together
life will be different when one bird is out leaving the other in lurches
yr advise in such situation please
Thanks for the note. Please send an email to info @ desireturn .com so I can put you in touch with Mr and Mrs. Ramakrishnan.
India, is good for the RICH.
A couple of points that are a little confusing. I lived 30 years in usa and moved to India to retire. I am not an indian origin person but my wife is. Social security can only be given if you work more than 10 years in the USA. After that the worker is entitled to social security. Your wife is entitled to half of she is a US citizen or citizen of certain countries but not india, so it ends when you die. The pension plan is good but not a guarantee as a child can need support, or health issues can consume pension quickly so you need to be prepared to accept lifes changes including pensions. I do not have any household service and get my own milk. India is great but not because it's cheap. India is great because it's rich with intangible experience.
As for taxes, you do pay more in India as there are few deductions in India. Your usa income is taxed in usa first, but because you can file jointly, the deduction is quite big. The tax is less so the same income is also taxed in India, but there is no joint deductions so you pay much more tax and can only deduct the small tax you pay in the USA, so your tax is much higher in India even though the rates are similar.
Thanks for sharing your background and your insights on SS benefits and life in India. SS benefits- does it go to kids as dependents if they are USC?
@@DesiReturn No. Social security is like a pension and is not linked to a savings account. It pays a fixed amount as long as the owner is alive, and 1/2 to the surviving eligible spouse should they select it. Some spouse who have worked over 10 years may have a higher payout so they can select their own social security. Note the spouse benefit is not cumulative, so you get 1/2 the spouse or your own, not both
@@barryobrien1890 Surviving spouse will get the larger amount of their their own Social Security or that of the decedent. As you state not both.
I am born in Africa.. South African citizen. My parents went back..we visit very often. To settle, I dont know...
Thanks for sharing your thoughts.
You're doing great job
Thanks a lot for the feedback! Glad you are liking the content.
Very good idea. 👌👏
Are we allowed to go and see how this trust runs? We are also senior citizens and OCI holders. We live in Hyderabad and maybe we can gather a few friends who join us in living together.
I beleive so. Please send a note to info @ desireturn .com for details
Awesome video, Thank you for this informative video. Kudos to the couple they said they went back to take care of their parents, please I would like to connect with them. Please help me reach out to them.🙏
Thanks a lot. Please send a note to info @ desireturn .com
Can you please share the concept and operations of this Non-profit association of Seniors. It will be helpful please. Is this concept cuts across people living in one premises Or across multiple apartment complexes ? How did they conceive the central kitchen, medical, housekeeping etc., curious to know please
Communicated via email.
Very nice interview .will you please give details of the non profit organization they run?
Thanks. Please send a note to info @ desireturn .com
Good discussion and inputs. Which retirement facility please ?
Communicated via email.
Good one though they could have talked a lot more. I am much younger & I have been living in India for the last 3 years. His talk about tax is only half correct. He is right about setting off the tax paid but he fails to mention the higher taxes in India. The second I wish he had talked which community he was living in Blr
On point no. 1 I cannot overlook the fact he is a CA and would have done proper due diligence but I did an exercise with a CA on my global income being taxed in India, I found Indian threshold is very low for highest tax bracket of 35%+. Any one with Social Security in US will easily cross that limit. In US we probably get charged 15 to 20% . The limit as I know is Rs.10,00,000/-. I will be keen to get his views on how we can avoid the additional 15% you end up paying on the same income levels compared to US
I would like to know if you are taxed on your US income in USA or in India or both places?
Do you have to pay taxes in India even if you have no source of income there?
Nice talk.
Thank you for watching!
Hello Desi return, my husband is in the supply chain and he's currently a director in a private organization, we are US citizens. He applied to several companies in India and Singapore but all were rejected, why is no one in India and Singapore willing to proceed further? Asking because want to understand the reason for so many rejections so if there's something we can change accordingly. Also, we search jobs in LinkedIn and there are not many supply chain executive/ director level jobs in India and Singapore, don't understand why because India should be having lots of Supply Chain job especially considering the population.
Thanks for reaching out. Especially for senior roles, its important to to network with hiring managers in desired companies and reach out on how one will add value. I would expect quite a feq supply chain jobs in India. If you have firther questions, please reach out to us at info @ desireturn.com or on insta desireturn.official. All the best!
Ex pay jobs are difficult to find for us citizens as the wages are expected to be high and paperwork to hire in India is frustrating. A manager in India may make $30k in India but an expat may cost the company $150k or more because of taxes, visas, trips , is taxes and lawyer fees etc. best to get a job in a foreign company first with a branch in India or Singapore and then try to transfer internally
they are us citizen , got good amount of money and getting us social security
Thanks for watching!
Nice, but I wonder how often do you get to see your children and grand children?
I believe once a year or two
Where in Bangalore do they reside in? What is the name/ location of their retirement home? Very interesting and informative. Please share the details. Thank you
Please reach out to us at info @ desireturn .com
@@DesiReturnit was lovely listening to you both.Please do share details of your non profit organization for seniors as I'm interested in the work you both are doing & knowing more about the same, thank you
After we move to India, any idea if Social Security income is-taxed by India ?
Yes it is… we will have a video about it soon
I would like to join Mr. Ramakrishnan’s community if possible. I am 80 my wife 72. Our children are in the USA. We are in search of a suitable Senior Home. Presently we are in Chennai.
Replied to your email sir. Thanks for reaching out and good luck!!
@@DesiReturnwhat is the name of his retirement community in Bangalore?
@@harshatrivedi5203 Please send a note to info @ desireturn .com so we can provide contact details of Mr. and Mrs. Ramakrishnan to get info about the retirement community.
Do you have any experiences for those who returned from Canada?
Yes we have quite a few guests who moved from Canada on our channel. Please check out other videos.
How US monitor your wellbeing.. Do they continuisously credit $$ to your account ? Any docs needed every month?
US monitor your wellbeing?? SS benefits gets credited and you are on your own living in India with your own dr appointments etc
Great series and very helpful! One question I would ask is about Medicare , since it is paid during our work life in US. How can it be claimed outside US?
Thanks for watching. I am not sure if it covers healthcare outside US.
In general, Medicare does not cover health care or supplies outside of the United States, including India. Medicare usually does not cover medical care you receive when traveling outside the U.S. and its territories.
@@bscsmscs1578 Thanks for your response! So we have to take health insurance in India to cover all expenses probably good idea to share those info during these sessions to plan for it . Thanks again!
@@DesiReturn thanks for your quick response! Maybe you can ask those questions next time :-)
Yes need to take health insurance in India. What questions for you have. You can reach out to us at info @ desireturn .com
Can I get more information about Mr. Ramakrishnan’s retirement home in Bangalore. We are planning to return to India from the US too. Would appreciate if you share more details
Replied via email.
@@DesiReturnCould you please share details of the retirement home ?
@@Hmmmmmmmmm00 Please reach us out at info @ desireturn .com
@@DesiReturn
Please reach out to us at info @ desireturn .com
Where is it in Bangalore please I want to know about thank you for your information
Please send a note to info @ desireturn .com so we can provide details fo guest to get more info
Am not sure if coming back to India is a great thing-all your working years which is the ‘ contributing’ years you have contributed your say 4 decades to another nation and now come to take benefit India’ s resources which you were not part of it. Leave it for Indians who stayed here and built it. When India was bereft of you professionals who left, that’s fine but stay there only. You will be able to easily purchase anything here, that is the senior living- raising cost for everything here. Where is your responsibility? Fine you went but stay there. This kind of migration has made India lose so many resources
Thank you for this informational video and interview with this wonderful and happy senior couple.
May I have more information on the senior residence where they are located?
Glad you liked the discussion. They live in Bangalore. Please reach out to us at info @ desireturn.com or on instagram at desireturn.official to provide more information about guests. Thanks
Very interesting couple. My wife and I are in Canada and are thinking about moving to Bangalore to retire. Is there any space/apartment that we can obtain in this complex.
Good to know. Please reach out to us at info @ desireturn .com so we can provide guest contact info so you can check
Medicare is not covered and that’s the only drawback. I wish Medicare covers healthcare in India as well.
Thanks for sharing your thoughts. If it’s covered in the future, yes that would be beneficial
I am.told Medicare reimburses for the medical expense in India
Also u can cancel expensive Medicare if you are not going back and forth to US
People in higher income brackets in US pay higher Medicare premiums - u can save so much in.India
@@natenatesan3795It’s true that Medicare premiums are higher and alternatively one can take a good insurance in India.
@@DesiReturncan you please interview someone who are shuttling back and forth between US and India post retirement? After living in the US for 25 years and counting, I’m seriously considering spending 6 months in US and 6 months in India. There are many people in this segment. Would be beneficial to hear someone already doing this.
@@natenatesan3795 Are you sure? Any documentation to back that medicare reimburses medical expenses in India
Could you kindly tell me the name of the retirement community Mr. Ramakrishnan is referring to in bangalore ( where he is staying please 🙏)
Replied via email.
Easier said than done !!!
True that. Taking a bold action is not easy.
@@DesiReturn huh, really ?? Living in la la land😂😂
Can u please share d retirement home which Mr. Ramakrishnan mentioned… thanks
Please send a note to info @ desireturn .com thanks
The captions need to be proofread. UA-cam captioning needs proofreading
Thanks for the feedback. These are autogenerated.
Can we make a video on how they are claiming SSN from USA ?
Ok. We will keep it on list of items. Thanks
@@DesiReturnI came to ask this. It would be great to see a numbers break down with some hypothetical income. What happens if social security owner passes away and spouse (non working or has worked for 10 years in the US) survives. Do kids get any benefit? What about tax advantaged education plan like 529? HSA etc?
@@SaraWindi Yes please stay tuned and subscribe so you get alert when the content is posted.
He talks about more of a cheaper cost for best services.
Quality of Dr differs from dr to dr n medical facilities are available n good in India but at a cost
Valid points
Namaste
Can you please tell us which senior housing Mr. Ramakrishan lives in and how to become a resident in this complex. Whom to contact. We have 2 NRI seniors who are looking for a senior place to move to and would like to connect with Mr. Ramakrishnan. Thank you
Please send a message to info @ desireturn .com and we will provide you the details. Thanks
What is the name of this community in Blore. Love to learn and replicate the same Ramakrishnan uncle
Thanks for watching. Please reach out to us at info @ desireturn .com so we can put you in touch with Mr/Mrs. Ramakrishnan
Good info. I have been in USA for over 40 years and thinking of teturning to india. Is it possible to get MR. KRISHNAN's contact.
Great. Please reach out to is at info @ desireturn .com so we can provide contact info
When you are only the one as host and your guests are 2 you should shrink your screen and extend your guest screen, look at how inconvenient you made them to fit in a small frame.
I am greatful that guests were able to get on the call and share their experiences with some technical challenges. Their video was not great but message is more important. We have couples on the show and I beleive videos was fine with them. Anyway thanks for the feedback and we will keep it in mind. Thanks
Please bring ankit Shah for discussion brother 🥰🇮🇳☺️❤️ debate about dedollarization
What is the link of the place they are running
Excellent. I fully agree with the couple. Which part of Africa were you in? Thanks.
Thanks for watching and sharing your thoughts. I am not sure of specific country in Africa.
Are you kidding me... Retiring in India ? I just visited Kashmir. Forget the dirt and grime, the noise alone was enough to turn me off, not to speak of the traffic. It will take India time to develop a civic sense....not in my lifetime.
Glad you are clear on where you dont want to retire.
Each to their own. No good or bad answer
Save 50% are you joking is it possible with inflation anywhere in this world today
What would be a good health insurance to take in advance for retired life
It's better to take the health insurance before returning to India (2-3 years before) so all the pre-existing conditions are covered etc., but have high deductible to minimize the costs. Please reach out to us for any specific questions at info @ desireturn .com
which is this trust sir any link
Please send a note to info @ desireturn .com so we can put you in touch with our guests who can give more details about this. Thanks
Name of the retirement place?
Please reach out to us at info @ desireturn .com so we can put you in touch with guests and you can ask further questions
Whoever get OCI - Citizenship wherever they live in the world they need to pay tax for USA. All senior citizens get 1000 above dlrs per month.
Did you live in a vegetarian community in Africa and the U.S?
Its their organization and they can choose how to run it.
Is there a similar set up in Chennai also ? Kindly provide contact details of the facility
It's only one facility in Banglore and that it is non-profit run by Mr and Mrs. Ramakrishnan with others. Thanks for watching!
U have good retirement home in Coimbatore
May i know the name of the retirement home where they are staying
Please reach out to us at info @ desireturn .com
They moved to take care of parents. But parents were in different cities than B'lore. How did they take care of them then?
Not sure of the specific details. If we have an update, we will post here
I think the main reason to return to India was they themselves. They left india for themselves n returned for themselves. Their parents would b independent already. They left them back for more than 30 years. Y lying simply.
WhT is there to lie here. They left wen they were young to earn and parents were young too. Once they retired they decided to return for parents n themselves.
This doesn’t make much sense. My parents in India are healthy and young right now so I have been living in the USA for past 15 years. I plan to return when they are approaching 70s, my parents are onboard this plan, looking forward to family time with grandkids living together in one home.
Social security deposits. The deposit need not be in US or US based bank. You can choose to be deposited in NRO account in a local bank - State Bank of India, HDFC or ICICI … it has be A rupee account simply because you lost Non Resident status… or can be deposited in NRE
Thanks for sharing your thoughts on this.
any idea if the Social Security income in US is taxed in India while we are resident in India?
@ You pay USincome tax on social security (upto max of 85% of the amount depending on total taxable income item 11 in 1040). Hence Double taxation avoidance agreement you dont have to pay Indian income tax. Where retire income (401k etc)double taxed.
Pl let me know where is this retirement home?
Please reach out to us at info @ desireturn .com
How much money needed for a couple to have a comfortable life style in india?
I know it depends on your life style but is there any $ amount?
As you rightly pointed, it depends on on your lifestyle, travel etc., assuming you have own house, no kids education you can easily live with 50k- 2 lkh per month ra based on location and lifestyle
He is making a big mistake. Healthcare in US is better than India. Money is not everything but lifestyle USA is better. I ma 70 yr old living in USA and can not leave my kids in USA and live myself in India. It is not practical.
Everyone's perceptive is different. Healthcare is more accessible and doctors can come home in India vs US. Happy to know that you like it in US, which is great.
Where is this retirement home?
Its in bangalore
@@DesiReturn please lets know where is this senior living home.
@@Ushakbm Please send a note to info @ desireturn .com so I can share guests contact info.
India is horrible for pedestrians unless you are very rich and live in a gated community
Can you please share the contact details of Mrs & Mr Ramakrishnan so that we can discuss on their Community Living at Bengaluru
Please send a note to info at desireturn . com or on our instagram handle at desireturn.official Thanks
I would also like to connect with Mr. & Mrs. Ramkrishna Lin. What a positive attitude! I wonder where their children are living, most of the desi here are stuck because their grown up children are here. The question is how much can you count on having children close by?
Please provide contact information of the couple. It matches with our situation
Please reach out to us at info at desireturn .com and on our instagram handle at desireturn.official Thanks
I concur with what the respected couple say. In west, you live a servant less life. Your organs are taxed more even after crossing 60/70/80/90 years. Medical help and diagnosis is very slow. They call it self sufficiency, but in a way it’s disgrace. No mercy. Indian life is a luxury life that you won’t get anywhere in the world. One needs God’s real blessings to have such an opportunity. Stay blessed dear uncle and auntie.
Only vegetarian 😢
At the guest place. If you are looking for at different options for retirement, let us know
Mr. Ramakrishnan Sir - Is your group open to new comers?. If i heard right you started off as a small group and it has grown to a bigger membership. Do you have open / free land to expand with new construction? What area of Bangalore is your association situated. Thanks!!
Replied on your other comment.
@@DesiReturn - Thanks for your reply. I am not sure which "reply to other comment" you are referring to. I can't seem to find it. Can you paste that comment please.
@@cookmaster3626 Replied to your own comment. Anyway, please reach out to us at info @ desireturn .com so we can put you in touch with Mr and Mrs. Ramakrishnan sir so they can provide more details to your questions, etc., Thanks
Honestly...yes they are nice couple. But they are milking the US social security system. They have just contributed to it for 15 years and going to milk it for 40+ years. It is unfair, when current system is on the verge of bankruptcy. I think changes should be made to adjust to cost of living based on the country you claim to be resident. This is unfair!
One would get benefits based what's contributed and for how long. One can check their SS benefits on the SSA website. It's not like one contributing for 10 years and another person contributing for 25 years get the same pension.
@@DesiReturn Again my point is about them not a resident of US but claiming living allowance (aka SS benefit) at resident rates. It should be based on cost of living of the resident country. It is unfair otherwise. Again this is not a pension fund, this is tax collected on the (young) current contributing members income. It is unfair to them also. I would even go as far as disqualifying SS benefits if you are not a resident of US. Desperate times call for desperate measures.
@@shosansah4629If SS benefit is based on cost of living location, then someone residing in California should get 5x the SS compared to say someone in Nebraska. SS benefits are proportional to what you contributed. It's upto you how to make it work better for you. No one is stopping a US citizen from retiring in a low-cost-of-living country. In fact there are many examples of folks who retire in Mexico.
They contributed during work life they earned it so what's your problem
True very well said