Many years ago I read somewhere that emigrating means becoming a foreigner in 2 countries: the country you emigrate TO, and the country you emigrate FROM. That's why many people regret emigrating.
No there is a big difference. How come you be a foreigner in your own country? In a foreign country, you're an immigrant but in your own country, you're not an immigrant.
I don't think it's only indians. It's human nature to associate with someone who can share some similar topics etc., Little italy, little china etc., Very valid point... Thanks for sharing your thoughts
I took a 3 year sabbatical to Kerala, India. Rented out my house, sold my cars and left. The plan was for one year but ended up staying almost 3 years. It was a good experience. I could have made a lot of money and moved up the ladder during that time but money is not everything. Life is short, enjoy on the go.
@@MalluStyleMultiMedia wow, that’s interesting, we would love to know your experience. I am at a point in life where I realized how much money is needed practically and get out of this rat race to focus on what I love to do.
@@deepakjagadeeshwar9404 it was a super experience. I ate like 16 jackfruits during that time 😂 had a lot of fish. Ate all of my favorite nostalgic items. Even something simple as coconut chutney was amazing over there. So ya took that trip in my early 30s. We’re not in IT so we didn’t bother to look for a job over there. Just enjoyed and stretched that dollar. I had a small rental income stream. That’s about it. Kids were small and it was easy to adjust. They went to international school in Kerala. It was hard leaving actually. Kids wanted to stay in India. I still plan on retiring in India. I don’t think kids will go back but it’s alright. Let them stay wherever they are comfortable. For me it’s the cost of living and man power in India. That’s what we need when we get older. I worked in many hospitals and nursing homes here in the US. If you have good insurance, you’ll be alright 😁
I also have been in Kerala for nearly 4 years. I have only one problem here. The people are terrible! I was initially very sociable with everyone now I try to have minimal contact with them.
Just wondering, Next time, you interview, can you ask questions on taxation for 1. US Rental Income 2. Dividends in your 401K and 3. Dividends in your ROTH 4. Growth in Capital in 401K without any sale of equity 5. Growth in capital in ROTH without any sale of equity 5. Social Security 6. Private Company Pensions
Thanks for the feedback. We have an interview with financial planner in the past and intend to bring to more videos related to finance that would benefit everyone. th-cam.com/video/cM_d1sQ4R24/w-d-xo.html
What I heard is Gross US rent has to be reported for Indian income tax. Only deduction available is municipal tax. After that 30% standard deduction. Calculate Indian tax rate based on bracket and take credit for US taxes paid. But I am wondering how US taxes "paid" can be determined. US tax year runs from Jan-Dec. For India we could prorate the taxes from Apr-Dec based on the taxes paid the previous year. But for current year Jan-Mar, we still would not have paid US taxes, so do we just estimate it? Any comments welcome
@@mannysubramanian8393 , This is what Article 7 of DTAA says: (nadt.gov.in/writereaddata/MenuContentImages/India%20US%20Double%20Taxation%20Avoidance%20Treaty635480255452005394.pdf) ARTICLE 7 - Business profits - 1. The profits of an enterprise of a Contracting State(US in our case, since property is in US) shall be taxable only in that State unless the enterprise carries on business in the other Contracting State through a permanent establishment situated therein. If the enterprise carries on business as aforesaid, the profits of the enterprise may be taxed in the other State but only so much of them as is attributable to (a) that permanent establishment ; (b) sales in the other State of goods or merchandise of the same or similar kind as those sold through that permanent establishment ; or (c) other business activities carried on in the other State of the same or similar kind as those effected through that permanent establishment. 2. Subject to the provisions of paragraph 3, where an enterprise of a Contracting State carries on business in the other Contracting State through a permanent establishment situated therein, there shall in each Contracting State be attributed to that permanent establishment the profits which it might be expected to make if it were a distinct and independent enterprise engaged in the same or similar activities under the same or similar conditions and dealing wholly at arm’s length with the enterprise of which it is a permanent establishment and other enterprises controlling, controlled by or subject to the same common control as that enterprise. In any case where the correct amount of profits attributable to a permanent establishment is incapable of determination or the determination thereof presents exceptional difficulties, the profits attributable to the permanent establishment may be estimated on a reasonable basis. The estimate adopted shall, however, be such that the result shall be in accordance with the principles contained in this Article. 3. In the determination of the profits of a permanent establishment, there shall be allowed as deductions expenses which are incurred for the purposes of the business of the permanent establishment, including a reasonable allocation of executive and general administrative expenses, research and development expenses, interest, and other expenses incurred for the purposes of the enterprise as a whole (or the part thereof which includes the permanent establishment), whether incurred in the State in which the permanent establishment is situated or elsewhere, in accordance with the provisions of and subject to the limitations of the taxation laws of that State. However, no such deduction shall be allowed in respect of amounts, if any, paid (otherwise than towards reimbursement of actual expenses) by the permanent establishment to the head office of the enterprise or any of its other offices, by way of royalties, fees or other similar payments in return for the use of patents, know-how or other rights, or by way of commission or other charges for specific services performed or for management, or, except in the case of a banking enterprises, by way of interest on moneys lent to the permanent establishment. Likewise, no account shall be taken, in the determination of the profits of a permanent establishment, for amounts charged (otherwise than toward reimbursement of actual expenses), by the permanent establishment to the head office of the enterprise or any of its other offices, by way of royalties, fees or other similar payments in return for the use of patents, know-how or other rights, or by way of commission or other charges for specific services performed or for management, or, except in the case of a banking enterprise, by way of interest on moneys lent to the head office of the enterprise or any of its other offices. 4. No profits shall be attributed to a permanent establishment by reason of the mere purchase by that permanent establishment of goods or merchandise for the enterprise. 5. For the purposes of this Convention, the profits to be attributed to the permanent establishment as provided in paragraph 1(a) of this Article shall include only the profits derived from the assets and activities of the permanent establishment and shall be determined by the same method year by year unless there is good and sufficient reason to the contrary. 6. Where profits include items of income which are dealt with separately in other Articles of the Convention, then the provisions of those Articles shall not be affected by the provisions of this Article. 7. For the purposes of the Convention, the term “business profits” means income derived from any trade or business including income from the furnishing of services other than included services as defined in Article 12 (Royalties and Fees for Included Services) and including income from the rental of tangible personal property other than property described in paragraph 3(b) of Article 12 (Royalties and Fees for Included Services). ARTICLE 8
To summarize, my understanding of DTAA is, if your property is in US and you are resident of India, the income derived from rental property is taxable only in US and not in India. (I am not sure. Thats my interpretation of DTAA)
It’s my 24th year in the USA. I never earned more than $30k a year and it was paycheck to paycheck living but very comfortable with my own townhome , own car, mid tier neighborhood with great schools, low property taxes, refunds on income tax, place of worship, friends, helpful community, vacation every year. All surgeries (4) taken care of with affordable copay. I am so happy here as I’m content with little and don’t compare myself with others. If I’m laid off, there are enough comparable jobs which pay 30-35k with my skills. I’m able to visit India every 2 years and help my mother financially, sounds like a miracle, right? . I’m blessed. I don’t feel the lack of money!
I would also like to add that in the USA in my opinion there is no complexity while dealing with local municipalities, school districts, housing authorities, business licenses, professional licensing. All are treated equally, no one gets priority over others due to economic status, no need to bribe, just follow the law and the work is done as promised. My interactions in Mumbai were not as desired, I was not treated well, things work very differently.
Thank you so much for sharing all the information and your experiences. After 14 years in Canada, we are planning to relocate back to India. While we are financially well-settled here by the grace of God, it feels like the right time to return to our roots. However, at the same time, it's quite daunting, and our minds are filled with numerous uncertainties.
Thats great! Thanks for sharing that. Would you be interested in sharing your journey with us on the platform and it could help others with their decision process.
I'd moved for 4 years n came back to US. I'm planning to move back in few years..for now we moved to Malaysia for work temporarily. Hopefully in few years it's going to happen. Iv lived in US for 30+yrs. Finances are big factor in terms of taxes 😂I know taxes are big challenges, if you've any income from US you get taxed there in US. You've to file taxes in both countries. Indias much more flexible I can but not as organized. Certainly if you get a good /better opportunity in India, & live closer to family, a good health insurance, certainly international schools , good community with facilities such as hospitals/ malls/ grocery/pharmacy/laundry service( these days you find communities) with such facilities.
Thanks for sharing your experiences. Would you be open to share your story on our podcast and I am sure it would be helpful for lot of people.Would love to have you as a guest . Thanks
@@Rainbow_1981 30 years in the US! Wow! Budhape pe budhapa aa Raha hai and you are still travelling and working and worried about taxes, lol. 30 years kya kum hai paise chapne ke liye?
It’s surprising to see someone born and raised in India struggling to adjust. I can understand children having difficulties, but if you truly want to adapt, it might be better to stay in the community you grew up in, reconnect, and blend in, rather than creating a separate expat bubble within India. This approach doesn’t seem very encouraging. As Desi returnees ourselves, we adapted well many years ago. I sense some regret underlying this conversation.
Yeah that’s the biggest hurdle for most of people who have good jobs in USA and wants to return back, having a good job in city they want to relocate helps to take such decision much much faster , I would say that’s the service I would love to pay as well if there can be a good career partner who helps in such transition
nice video series. please discuss some finance related questions as well. like managing wealth earned in US etc. also what status they were in US and what are they doing career wise right now in India.
Thanks a lot for the feedback. We try to incorporate specific questions related to finance, career, etc., We also have dedicated videos related to those topics with experts. th-cam.com/video/cM_d1sQ4R24/w-d-xo.html (Finance planner) and th-cam.com/video/Hw7zOeQvyWo/w-d-xo.html (Career planning). We intend to do more that would help people with their planning and decision process
I'd like to know if your guests have returned to India after getting their US citizenship or gone back after an unsuccessful H1B to GC transition attempt. I believe a lot of them do that after acquiring their US citizenship and are hedging their bets as well - it may/may not work, but why not try out. The other reason could be because their kids are closing in on getting to 18 years old and cannot be sponsored through H1B. There's something missing in the entire story....human beings inherently will do what's best and/or convenient for themselves / their families. If Timbuktoo provides an awesome dream for their kids, they will give that place a go too.
As you rightly said, we as human beings live where our family major priorities are met. Along those lines the guests we had, people moved because of startups, retire, kids up brining, etc., There quite a few who gave up GC and moved too.
Hello, we are moving back to Hyderabad from US. Please let me know the apartment complex where these expats live in Gandipet. I have a 13 year old so I appreciate if you could help me on this.
It would be good to gather recommendations for the returnees good points of contacts be it broker, dairy provider, organic foods etc to make the transition back easier for others.
I never lived in india, but want to retire there. Need some guidance. Looking for a place which is modern (roads and traffic wise), not polluted, low crime rate and best weather. Kerala seems to have cooler weather and Ayurvedic places, I know Chandigarh is a modern and my friend went to Hyderabad and said it is as modern as USA etc.
Your statement is ambiguous. Are you saying it's been a total of 10 years in USA1, Canada, and USA2 combined? Or you mean to say you spent 10 years first in the USA and then moved to Canada for a few years and then came back to the US?
@@DesiReturn Thanks but what I heard was "Gross Income" has to be reported in India, as it doesnt allow any deductions except municipal tax. After which a 30 % deduction is applied and tax credit taken, the Indian taxes are based on the tax slab. It would be nice to know from someone actually filed a return in India.
Frequent trips to India, discussions in the family and regular calls with grand parents, cousins etc., will all help for kids to adjust better when back. Key thing is while they are young, it's much easier than when they grow up. Better to move (if possible) while they are still in primary or lower grade
It's not just you. He's so unclear in his speech. Somewhere in the first 10 minutes, he says his team in the US where he worked for 10+ years was like family and would love to go back to working on the same team. I wonder how they developed such a great bond with his level of communication. I'm sorry if he's reading this but someone gotta say it.
Hyderabad traffic could be troublesome during peak hours. Pollution is not bad at all. If you have flexibility with managing traffic (close to work, timings etc.,) no issues in quality of life style. Also you can have driver who can help with the commute.
If you are young you can cope with traffic and pollution but if you are of retirement age and return to l India for good to live in a major city your health will definitely deteriorate.
@@DesiReturnPollution isn't bad at all???? Come on, don't generalize it. Pollution in Hyd is killing me for the past 10 years. It caused a great deal of depression. I lost so many wonderful opportunities because pollution affected my mood and mind. Hyd is overcrowded at this point. There are tons of blue collar as well as white collar folks coming to Hyderabad every single day.
I think he has lived in the US for far far too long. 15 years is kind of max you must stay. Now this person is trying to replicate his US style in India, which is not going to work. Also his idea to choose gated community with expats, means he is still not ready for India. He is trying to live in a self made bubble. His main problem is his accent and his kids also probably have a thick accent which is why he feels they will struggle in a local community.
@@DesiReturn Yes indeed, my point is people who are watching this shouldn't get dissuaded, he says we need to join various R2I groups. The R2I groups are full of OCI people putting their kids in IGCSE/IB and their plan is going to be very temporary. This is not true R2I. They have some fascination about bringing their kids to India during their most critical years and then send them again to the US/Europe and they try to replicate their western world in India. For people who want to truly R2I, you need to mix up with locals and behave like a local. This person is just an American with Indian roots. He is not really R2Iing. I would personally not follow most of his advice. I will live in a community full of locals, no western NRIs/OCIs. I will send my daughter to CBSE school with plans to continue college in India. So 100% adaptability with India is needed. And of course no house helps for us. This idea that you want to hire a maid, gardener, driver and live like a upper class person, you will never really be able to associate with the real India. Those are my thoughts.
@@Revhappy829 Everyone's perspective is different that what makes it beautiful and lively. Good luck with your journey and we all choose our own path... Take care
@@Revhappy829 absolutely! The choice to return seems mostly out of compulsion so the idea of creating a expat club itself shows no willingness or readiness to adapt , if a person born and brought up in India is not able to slip into the community with little or no difficulties how can you expect the kids to adjust , he is not teaching the kids to adjust by living in a US bubble in India . For some one planning the move this video is not helping , I find many foreigners easily adapting to Indian lifestyle and living true Desi lives
Typically if someone has US passport, they take OCI or visa to live in India. They dont renounce US passport as the process is quite long and complicated. Some people wont take US citizen ship even though they ate qualified to maintain Indian passport
These are my views if I'm thinking to go back to India. (Exclude thise who have medical emergency & parents support reasons). Anyone disagrees these factors are not true now?? Are you ready to give this future to your kids?? 1. Water scarcity - tanker water supply and recycled source of water is not reliable and it is not a great future setup for your kids, where life essential is shortage . Especially in bangalore. 2. Road accidents - chance of getting hit in road drive or walk is very high. When you get into accident by mistake a mob will be ready to attack you before you explain, eventhough not your fault. You will be victim one day for sure. 3. When you live abroad for long and go back india, air pollution there will deteriorate your health by 10% as per health scientist. In much polluted cities, family stress increases. 4. Sound pollution we adapt to when we move back, we think it's fine, but nobody considers it as important factor for your mental health. 5. Diversity of educational fields exposure and self thinking ability of kids is missing in most of schools in India. They are like China producing or reinforcing mass literacy. Basically Air, water, health hygiene, quality life is not available in big cities. Majority of peoples decision based on emotions like relations, money exchange value and domestic help. Everyone forgets that we need to give kids a future place where there are basic necessities (air, water, food, safe roads, hygiene) available for next 50 years.
Thanks for sharing your thoughts. Yes some of these issues are true (Few points. 5. Lot of improvement in education fields; Please check out some schools) If these are important, please stay abroad. There are lot of families who moved for kids. 1. bringing up kids in a larger family (when parents are not around; there is a larger family to support down the line) 2. Lot of activities for kids in communities 3. Kids social life and growth perspectives. 4. Kids growing up in India can adapt in India or abroad. It depends on what's important for family they decide which place is right for them.
Cancer is far more higher in USA. More drug issues. Lower accidents but higher shootings. High divorce, adultery and many fathers unkowingly raise child that is not his. Racism, wrongful conviction, bombing other countries.
He is on a trial stay.. his views on medical facilities in a city like Hydrabad is a total fallacy! Getting attended within 30 minutes in US! I am sorry he is deluded!
I am sure the guy will soon his regret his decision to come back and soon return to US in few years after realising his blunder. The fact that 99% don't come back is the testimony.
There are lot of people who moved back successfully on their own terms. 99% (?) dont come back because no one wants to leave comfort zone and make big changes. Thanks for watching
It's one's personal choice to decide where they want to live. You're no one to say that coming back to India is nothing sort of blunder. India has changed so have many countries in the World. If you're ok financialy and make your life comfortable, why bother whether India is developed like China or Korea. China is facing problems like unemployment as well.
Many years ago I read somewhere that emigrating means becoming a foreigner in 2 countries: the country you emigrate TO, and the country you emigrate FROM. That's why many people regret emigrating.
No there is a big difference. How come you be a foreigner in your own country? In a foreign country, you're an immigrant but in your own country, you're not an immigrant.
When Indians move to US they try to create in 'little India' in US , and when come back from US , they try to create 'little US' in India 😇😃
I don't think it's only indians. It's human nature to associate with someone who can share some similar topics etc., Little italy, little china etc., Very valid point... Thanks for sharing your thoughts
I took a 3 year sabbatical to Kerala, India. Rented out my house, sold my cars and left. The plan was for one year but ended up staying almost 3 years. It was a good experience. I could have made a lot of money and moved up the ladder during that time but money is not everything. Life is short, enjoy on the go.
Very true. Thanks for sharing your story
@@MalluStyleMultiMedia wow, that’s interesting, we would love to know your experience. I am at a point in life where I realized how much money is needed practically and get out of this rat race to focus on what I love to do.
@@deepakjagadeeshwar9404 it was a super experience. I ate like 16 jackfruits during that time 😂 had a lot of fish. Ate all of my favorite nostalgic items. Even something simple as coconut chutney was amazing over there. So ya took that trip in my early 30s. We’re not in IT so we didn’t bother to look for a job over there. Just enjoyed and stretched that dollar. I had a small rental income stream. That’s about it. Kids were small and it was easy to adjust. They went to international school in Kerala. It was hard leaving actually. Kids wanted to stay in India.
I still plan on retiring in India. I don’t think kids will go back but it’s alright. Let them stay wherever they are comfortable. For me it’s the cost of living and man power in India. That’s what we need when we get older. I worked in many hospitals and nursing homes here in the US. If you have good insurance, you’ll be alright 😁
Would you be open to share your journey on our podcast as it will be helpful and inspiring to others? Thanks
I also have been in Kerala for nearly 4 years. I have only one problem here. The people are terrible! I was initially very sociable with everyone now I try to have minimal contact with them.
Just wondering, Next time, you interview, can you ask questions on taxation for
1. US Rental Income
2. Dividends in your 401K and
3. Dividends in your ROTH
4. Growth in Capital in 401K without any sale of equity
5. Growth in capital in ROTH without any sale of equity
5. Social Security
6. Private Company Pensions
Thanks for the feedback. We have an interview with financial planner in the past and intend to bring to more videos related to finance that would benefit everyone. th-cam.com/video/cM_d1sQ4R24/w-d-xo.html
What I heard is Gross US rent has to be reported for Indian income tax. Only deduction available is municipal tax. After that 30% standard deduction. Calculate Indian tax rate based on bracket and take credit for US taxes paid. But I am wondering how US taxes "paid" can be determined. US tax year runs from Jan-Dec. For India we could prorate the taxes from Apr-Dec based on the taxes paid the previous year. But for current year Jan-Mar, we still would not have paid US taxes, so do we just estimate it? Any comments welcome
@@mannysubramanian8393 , This is what Article 7 of DTAA says:
(nadt.gov.in/writereaddata/MenuContentImages/India%20US%20Double%20Taxation%20Avoidance%20Treaty635480255452005394.pdf)
ARTICLE 7 - Business profits - 1. The profits of an enterprise of a Contracting State(US in our case, since property is in US) shall be taxable only in that State unless the enterprise carries on business in the other Contracting State through a permanent establishment situated therein. If the enterprise carries on business as aforesaid, the profits of the enterprise may be taxed in the other State but only so much of them as is attributable to
(a) that permanent establishment ;
(b) sales in the other State of goods or merchandise of the same or similar kind as those sold through that permanent establishment ; or
(c) other business activities carried on in the other State of the same or similar kind as those effected through that permanent establishment.
2. Subject to the provisions of paragraph 3, where an enterprise of a Contracting State carries on business in the other Contracting State through a permanent establishment situated therein, there shall in each Contracting State be attributed to that permanent establishment the profits which it might be expected to make if it were a distinct and independent enterprise engaged in the same or similar activities under the same or similar conditions and dealing wholly at arm’s length with the enterprise of which it is a permanent establishment and other enterprises controlling, controlled by or subject to the same common control as that enterprise. In any case where the correct amount of profits attributable to a permanent establishment is incapable of determination or the determination thereof presents exceptional difficulties, the profits attributable to the permanent establishment may be estimated on a reasonable basis. The estimate adopted shall, however, be such that the result shall be in accordance with the principles contained in this Article.
3. In the determination of the profits of a permanent establishment, there shall be allowed as deductions expenses which are incurred for the purposes of the business of the permanent establishment, including a reasonable allocation of executive and general administrative expenses, research and development expenses, interest, and other expenses incurred for the purposes of the enterprise as a whole (or the part thereof which includes the permanent establishment), whether incurred in the State in which the permanent establishment is situated or elsewhere, in accordance with the provisions of and subject to the limitations of the taxation laws of that State. However, no such deduction shall be allowed in respect of amounts, if any, paid (otherwise than towards reimbursement of actual expenses) by the permanent establishment to the head office of the enterprise or any of its other offices, by way of royalties, fees or other similar payments in return for the use of patents, know-how or other rights, or by way of commission or other charges for specific services performed or for management, or, except in the case of a banking enterprises, by way of interest on moneys lent to the permanent establishment. Likewise, no account shall be taken, in the determination of the profits of a permanent establishment, for amounts charged (otherwise than toward reimbursement of actual expenses), by the permanent establishment to the head office of the enterprise or any of its other offices, by way of royalties, fees or other similar payments in return for the use of patents, know-how or other rights, or by way of commission or other charges for specific services performed or for management, or, except in the case of a banking enterprise, by way of interest on moneys lent to the head office of the enterprise or any of its other offices. 4. No profits shall be attributed to a permanent establishment by reason of the mere purchase by that permanent establishment of goods or merchandise for the enterprise. 5. For the purposes of this Convention, the profits to be attributed to the permanent establishment as provided in paragraph 1(a) of this Article shall include only the profits derived from the assets and activities of the permanent establishment and shall be determined by the same method year by year unless there is good and sufficient reason to the contrary. 6. Where profits include items of income which are dealt with separately in other Articles of the Convention, then the provisions of those Articles shall not be affected by the provisions of this Article. 7. For the purposes of the Convention, the term “business profits” means income derived from any trade or business including income from the furnishing of services other than included services as defined in Article 12 (Royalties and Fees for Included Services) and including income from the rental of tangible personal property other than property described in paragraph 3(b) of Article 12 (Royalties and Fees for Included Services). ARTICLE 8
To summarize, my understanding of DTAA is, if your property is in US and you are resident of India, the income derived from rental property is taxable only in US and not in India. (I am not sure. Thats my interpretation of DTAA)
@@HelloEnjoyLifeWrong. If you are non resident or RNOR, only indian income applies. If you are a resident or ROR global income applies.
Nice information. Very niceperson and actual facts
Thanks for watching and sharing your thoughts
It’s my 24th year in the USA. I never earned more than $30k a year and it was paycheck to paycheck living but very comfortable with my own townhome , own car, mid tier neighborhood with great schools, low property taxes, refunds on income tax, place of worship, friends, helpful community, vacation every year. All surgeries (4) taken care of with affordable copay. I am so happy here as I’m content with little and don’t compare myself with others. If I’m laid off, there are enough comparable jobs which pay 30-35k with my skills. I’m able to visit India every 2 years and help my mother financially, sounds like a miracle, right? . I’m blessed. I don’t feel the lack of money!
Thata great. Glad you like it in US. There is no right or wrong place just depends on what one prefers
I would also like to add that in the USA in my opinion there is no complexity while dealing with local municipalities, school districts, housing authorities, business licenses, professional licensing. All are treated equally, no one gets priority over others due to economic status, no need to bribe, just follow the law and the work is done as promised.
My interactions in Mumbai were not as desired, I was not treated well, things work very differently.
Definitely money is bett❤er in USA, but family life is questionable
Thank you so much for sharing all the information and your experiences. After 14 years in Canada, we are planning to relocate back to India. While we are financially well-settled here by the grace of God, it feels like the right time to return to our roots. However, at the same time, it's quite daunting, and our minds are filled with numerous uncertainties.
Thanks for sharing your thoughts! Let us know what questions you have. Please join our what's app group too
I would like to join, can you please let me know how to join?
You are going to make a big mistake by moving to India
If you have 500000 or own a home you can just scrape by in Canada after retirement. But that money will go a long way in India.
@@DesiReturnPlease share whatsapp group details
I and my family came back to India for good bfor COVID after 23 Years in USA....Now, I am happy to be in my native place
Thats great! Thanks for sharing that. Would you be interested in sharing your journey with us on the platform and it could help others with their decision process.
I’m jealous still stuck here after 23 years
Did you get GC before moving?
@@maharajamacno you are just greedy for the $$$$. Nobody is stopping you
@@DesiReturn❤
I'd moved for 4 years n came back to US. I'm planning to move back in few years..for now we moved to Malaysia for work temporarily. Hopefully in few years it's going to happen. Iv lived in US for 30+yrs. Finances are big factor in terms of taxes 😂I know taxes are big challenges, if you've any income from US you get taxed there in US. You've to file taxes in both countries. Indias much more flexible I can but not as organized. Certainly if you get a good /better opportunity in India, & live closer to family, a good health insurance, certainly international schools , good community with facilities such as hospitals/ malls/ grocery/pharmacy/laundry service( these days you find communities) with such facilities.
Thanks for sharing your experiences. Would you be open to share your story on our podcast and I am sure it would be helpful for lot of people.Would love to have you as a guest . Thanks
@@Rainbow_1981 30 years in the US! Wow! Budhape pe budhapa aa Raha hai and you are still travelling and working and worried about taxes, lol. 30 years kya kum hai paise chapne ke liye?
It’s surprising to see someone born and raised in India struggling to adjust. I can understand children having difficulties, but if you truly want to adapt, it might be better to stay in the community you grew up in, reconnect, and blend in, rather than creating a separate expat bubble within India. This approach doesn’t seem very encouraging. As Desi returnees ourselves, we adapted well many years ago. I sense some regret underlying this conversation.
Please do a detail video on how to search jobs in India and share resources.. for a senior IT employees ..
We will do something in the future. Thanks for the feedback.
@@DesiReturn 🙏🏽🙏🏽
Yeah that’s the biggest hurdle for most of people who have good jobs in USA and wants to return back, having a good job in city they want to relocate helps to take such decision much much faster , I would say that’s the service I would love to pay as well if there can be a good career partner who helps in such transition
@@zeedd832 @rationalthinker2724 Please check out our latest video about carer planning th-cam.com/video/Hw7zOeQvyWo/w-d-xo.html
15 years in usa and now planning to go back to India by next year
Wow great! Where are you planning to move to? You can join our what's app community at chat.whatsapp.com/FAcxXND9vLgLudkIfUJ7xd
@@DesiReturn I am planning mid of 2025. I am working in usa as a solution architect . I will come to Bengaluru for jobs .
@@DesiReturnthis WhatsApp group doesn’t work..is it still functional?
@@SR-mv2mf Thank your reaching out. We have to reset whatsapp community link. Here is the latest one chat.whatsapp.com/FAcxXND9vLgLudkIfUJ7xd
Please don't. You will regret it heavily.
Hi
May I know what is ur kids are studying while u are moving to India.
nice video series. please discuss some finance related questions as well. like managing wealth earned in US etc. also what status they were in US and what are they doing career wise right now in India.
Thanks a lot for the feedback. We try to incorporate specific questions related to finance, career, etc., We also have dedicated videos related to those topics with experts. th-cam.com/video/cM_d1sQ4R24/w-d-xo.html (Finance planner) and th-cam.com/video/Hw7zOeQvyWo/w-d-xo.html (Career planning). We intend to do more that would help people with their planning and decision process
I'd like to know if your guests have returned to India after getting their US citizenship or gone back after an unsuccessful H1B to GC transition attempt. I believe a lot of them do that after acquiring their US citizenship and are hedging their bets as well - it may/may not work, but why not try out. The other reason could be because their kids are closing in on getting to 18 years old and cannot be sponsored through H1B. There's something missing in the entire story....human beings inherently will do what's best and/or convenient for themselves / their families. If Timbuktoo provides an awesome dream for their kids, they will give that place a go too.
As you rightly said, we as human beings live where our family major priorities are met. Along those lines the guests we had, people moved because of startups, retire, kids up brining, etc., There quite a few who gave up GC and moved too.
Great videos 👍
Thank you!
Did he mention what grade his elder kid was when they moved?
I believe the elder kid is middle school
Hi Desi Return
Could you please make a video who were return for college from USA ? That would be helpful who want to study college in India
Thanks for reaching out. We are looking for family who is open to share their story on the platform forthat situation
Hello, we are moving back to Hyderabad from US. Please let me know the apartment complex where these expats live in Gandipet. I have a 13 year old so I appreciate if you could help me on this.
Please reach out to at info @ desireturn .com or on our instagram handle desireturn.official.
@@DesiReturn I did email and sent request to join whatsapp groups.
Responded back via email and added to WhatsApp group. Thanks for the follow up
Could you please add me to the what's app group?
How to find the community of whatsapp group for people to return to India
Please complete and follow the instruction in the form docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform
It would be good to gather recommendations for the returnees good points of contacts be it broker, dairy provider, organic foods etc to make the transition back easier for others.
Thanks for watching and providing feedback. Its worth exploring at each big city level as a reference doc.
Did you give up your us citizenship or still holding it ...
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It’s true. There are so many people in western countries take a long break, do odd jobs or simply travel. They don’t do dramas.
ROR or resident of India must pay taxes in India for global income including US rental and 401k withdrawals. Dosent matter what passport you hold
Yes true.
I will return for retirement in India in 15 years when I turn 55. I am hoping India will be a very developed country by then.
It is going in the right direction currently.
Who will you return for?... at age 55
@@chaosNinja790
For himself!
But it is interesting where India will be as retirement country compared to US
@@bvssrsguntur6338 It's deep and philosophical, A lot can be created in 15 years but a lot can vanish too.
I never lived in india, but want to retire there. Need some guidance. Looking for a place which is modern (roads and traffic wise), not polluted, low crime rate and best weather. Kerala seems to have cooler weather and Ayurvedic places, I know Chandigarh is a modern and my friend went to Hyderabad and said it is as modern as USA etc.
its been a decade here in USA then Canada and UsA again.
Oh nice. Would you be open to share your story with us on the podcast platform?
Your statement is ambiguous. Are you saying it's been a total of 10 years in USA1, Canada, and USA2 combined? Or you mean to say you spent 10 years first in the USA and then moved to Canada for a few years and then came back to the US?
Any one living in India and paying income tax in India for their US home rental? How is double taxation handled?
With DTAA, you wont pay tax twice. If yiu have paid tax in US, you would get that amount as rebate ( highest if bioth countries)
@@DesiReturn Thanks but what I heard was "Gross Income" has to be reported in India, as it doesnt allow any deductions except municipal tax. After which a 30 % deduction is applied and tax credit taken, the Indian taxes are based on the tax slab. It would be nice to know from someone actually filed a return in India.
Will your kids go to Indian colleges or us colleges. Indian admission process os difficult in good higher education institutions
Depends on kids as they grew up. True what you siad for non indian citizens however there is a special category for them even in govt institutions
How you planned to move back kids adjust
Frequent trips to India, discussions in the family and regular calls with grand parents, cousins etc., will all help for kids to adjust better when back. Key thing is while they are young, it's much easier than when they grow up. Better to move (if possible) while they are still in primary or lower grade
How to search jobs in India for a senior IT employee ?
Please check out our new espisode on this th-cam.com/video/Hw7zOeQvyWo/w-d-xo.html
@@DesiReturn Thank you so much for the thoughtful questions. Appreciate a lot .
I am not sure if it is me I am not able to make out what exactly he is saying.
Very heavy accent
There was another couple who had such bad English accents after spending 25 yrs in the US that even a grade 5 Indian student was audible.
It's cringe to listen to Indians speaking with an accent. I'm saying this as someone who live in UK for 22 years.
It's not just you. He's so unclear in his speech. Somewhere in the first 10 minutes, he says his team in the US where he worked for 10+ years was like family and would love to go back to working on the same team. I wonder how they developed such a great bond with his level of communication. I'm sorry if he's reading this but someone gotta say it.
So how your sons managed their studies?....
What is your take on Hyderabad Traffic and pollution? Does it bother you much? Will it be a major factor in quality of life style? thanks.
Hyderabad traffic could be troublesome during peak hours. Pollution is not bad at all. If you have flexibility with managing traffic (close to work, timings etc.,) no issues in quality of life style. Also you can have driver who can help with the commute.
If you are young you can cope with traffic and pollution but if you are of retirement age and return to l India for good to live in a major city your health will definitely deteriorate.
@@DesiReturnPollution isn't bad at all???? Come on, don't generalize it. Pollution in Hyd is killing me for the past 10 years. It caused a great deal of depression. I lost so many wonderful opportunities because pollution affected my mood and mind. Hyd is overcrowded at this point. There are tons of blue collar as well as white collar folks coming to Hyderabad every single day.
Really or you were kicked out
I think he has lived in the US for far far too long. 15 years is kind of max you must stay. Now this person is trying to replicate his US style in India, which is not going to work. Also his idea to choose gated community with expats, means he is still not ready for India. He is trying to live in a self made bubble. His main problem is his accent and his kids also probably have a thick accent which is why he feels they will struggle in a local community.
Thanks for sharing your thoughts. One can choose the lifestyle one wants to live anywhere in the world (India or US).
@@DesiReturn Yes indeed, my point is people who are watching this shouldn't get dissuaded, he says we need to join various R2I groups. The R2I groups are full of OCI people putting their kids in IGCSE/IB and their plan is going to be very temporary. This is not true R2I. They have some fascination about bringing their kids to India during their most critical years and then send them again to the US/Europe and they try to replicate their western world in India.
For people who want to truly R2I, you need to mix up with locals and behave like a local. This person is just an American with Indian roots. He is not really R2Iing. I would personally not follow most of his advice. I will live in a community full of locals, no western NRIs/OCIs. I will send my daughter to CBSE school with plans to continue college in India. So 100% adaptability with India is needed. And of course no house helps for us. This idea that you want to hire a maid, gardener, driver and live like a upper class person, you will never really be able to associate with the real India. Those are my thoughts.
@@Revhappy829 Everyone's perspective is different that what makes it beautiful and lively. Good luck with your journey and we all choose our own path... Take care
@@Revhappy829 absolutely! The choice to return seems mostly out of compulsion so the idea of creating a expat club itself shows no willingness or readiness to adapt , if a person born and brought up in India is not able to slip into the community with little or no difficulties how can you expect the kids to adjust , he is not teaching the kids to adjust by living in a US bubble in India . For some one planning the move this video is not helping , I find many foreigners easily adapting to Indian lifestyle and living true Desi lives
Have all the returnees surrendered their US Passports and taken Indian passports ?
Typically if someone has US passport, they take OCI or visa to live in India. They dont renounce US passport as the process is quite long and complicated. Some people wont take US citizen ship even though they ate qualified to maintain Indian passport
His point about gates community is good
Thanks for sharing your thoughts.
Facts of GC waiting time
These are my views if I'm thinking to go back to India. (Exclude thise who have medical emergency & parents support reasons). Anyone disagrees these factors are not true now?? Are you ready to give this future to your kids??
1. Water scarcity - tanker water supply and recycled source of water is not reliable and it is not a great future setup for your kids, where life essential is shortage . Especially in bangalore.
2. Road accidents - chance of getting hit in road drive or walk is very high. When you get into accident by mistake a mob will be ready to attack you before you explain, eventhough not your fault. You will be victim one day for sure.
3. When you live abroad for long and go back india, air pollution there will deteriorate your health by 10% as per health scientist. In much polluted cities, family stress increases.
4. Sound pollution we adapt to when we move back, we think it's fine, but nobody considers it as important factor for your mental health.
5. Diversity of educational fields exposure and self thinking ability of kids is missing in most of schools in India. They are like China producing or reinforcing mass literacy.
Basically Air, water, health hygiene, quality life is not available in big cities. Majority of peoples decision based on emotions like relations, money exchange value and domestic help. Everyone forgets that we need to give kids a future place where there are basic necessities (air, water, food, safe roads, hygiene) available for next 50 years.
Thanks for sharing your thoughts. Yes some of these issues are true (Few points. 5. Lot of improvement in education fields; Please check out some schools) If these are important, please stay abroad. There are lot of families who moved for kids. 1. bringing up kids in a larger family (when parents are not around; there is a larger family to support down the line) 2. Lot of activities for kids in communities 3. Kids social life and growth perspectives. 4. Kids growing up in India can adapt in India or abroad. It depends on what's important for family they decide which place is right for them.
Cancer is far more higher in USA. More drug issues. Lower accidents but higher shootings. High divorce, adultery and many fathers unkowingly raise child that is not his. Racism, wrongful conviction, bombing other countries.
He is on a trial stay.. his views on medical facilities in a city like Hydrabad is a total fallacy! Getting attended within 30 minutes in US! I am sorry he is deluded!
Sad to see youngsters so unsettled, all searching for happiness, in money,western affluence.
I am sure the guy will soon his regret his decision to come back and soon return to US in few years after realising his blunder. The fact that 99% don't come back is the testimony.
There are lot of people who moved back successfully on their own terms. 99% (?) dont come back because no one wants to leave comfort zone and make big changes. Thanks for watching
Bengaluru is good for returnees
If someone has a plan of return ,pls don’t discourage as others doesn’t have the guts to take decision
If India becomes developed like China or South Korea there will be more returnees. Both these countries developed only in the last 30 years or so.
It's one's personal choice to decide where they want to live. You're no one to say that coming back to India is nothing sort of blunder.
India has changed so have many countries in the World.
If you're ok financialy and make your life comfortable, why bother whether India is developed like China or Korea. China is facing problems like unemployment as well.
Mat aao re. Kuch nahi badla yaha
U look like dipender goyel
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