Please join other desi returnees and be part of community to engage in relevant discussions by following the instructions here. docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform
I have a humble request to all the viewers of this video and any other videos, please don't scrutinise each and every word the interviewees say as within the limited time on zoom you may not explain things the way you want to. As a viewer, you may comment on the subject matter by any means but please ignore petty mistakes that's not relevant to the actual issue.
Yes very valid point. These are not scripted conversations but we want them to be candid and very conversational style. Please take it from a full contex of topic and not individual sentence.
Good retirement podcast, so many learning at this age she’s enjoying affordable labor services which is expensive in west . But it felt like she had wonderful life in UK as well and she didn’t gain much coming back to India in later years. This is life we can’t predict thanks for sharing Avinash 👌
I don't know what you mean by not gaining much coming back to India. The first thing l gained is peace of mind, plenty of spare time, availability of services. If l didn't have a good life, l couldn't live in England for 42 years. That doesn't mean l am not happy in India. My husband passed away and l dread to think how l could ever cope on my own in England. There is a always a right time right place for everything. Destiny over which we don't have any control also plays a big role in our life.
Awesome Q&A and sharing life experience of 42 years with listeners...... There are many answers for viewers who are currently living abroad and are still young..
Kindly make videos for people returning to India from UK with medical background (if any). Most of my friends who are doctors have performed this experimeent but hace failed and had to return back to UK. Please let us know of success stories in this area Thanks a lot for your effort
For a doctor wanting to come back to lndia, l shall suggest that you contact a hospital, both government and private, in the city you want to settle,and find out the details. Someone not in the medical field, will not be able to help. If you come back but can't settle, it's better you stay where you are.
Yes we actually have a story of Dr who moved after spending a decade in UK. Here is the link. th-cam.com/video/JwezMBq2Zvc/w-d-xo.html best thing is to checkout our playlist to see all the relevant videos
very nice video. Im 41 and i guess thinking about how aging works and what it means to retire , this video was inspiring and helpful. Thanks for sharing your experiences. my preferred location would be Bangalore, Pune or Goa i guess.. Retirement homes sound like a great idea ..
@@baijuthomas3716 You're too young to think about how aging works. You will know when it comes. The answer for your question as to what it means to retire is that no more Monday morning blues, stay in bed till late, plenty of spare time to do whatever you like to do. I must not tempt you. The negative side of retirement is having too much free time can make you lazy. We have different phases in our life and have to go from one phase to the next. I have never been to Goa but if you have option, definitely Goa.
You don't have to come to lndia after retirement. There is no compulsion. Not just India, the whole world is getting hotter. Countries like Spain, ltaly, Greece, Portugal where people usually go for holiday was extremely hot this summer, the temperature in some places went upto 50 degrees. It's even worse for these countries as people are not used to harsh summer.Places like Newyork, Florida, California were also hotter than normal this summer. Many people in America have air conditions in their homes like they do in India.
Very informative video keep up the good job. I know medical insurance is something we need to consider before moving back to India but are there companies that provide the same for a British passport holder? Or is it better to take medical insurance once we moved back? Thanks
Thanks alot!! Yes there are companies which provide insurance for OCI hard holders and its better to take couple of years earlier so preexisting conditions are covered too ( typically 2 years waiting time)
I hope they don’t get frustrated with the banking system and the countless procedures to get the smallest thing done in India. NRIs would love to invest in India but the government has made it so difficult to do that. India is still very low in ease of getting things done. Employees in banks, financial institutions and government still don’t have customers friendly approach, and partly so for the government bureaucracy.
@ About 18 months ago and the bank kept asking for different things each time and also lost all the original forms and nothing got done. My colleagues have similar experience and are frustrated with the procedures. The private banks make so much money, but would not open a satellite offices in USA and ask many forms with confidential information to be mailed to them from USA.
First of all it's a common rule to keep the copies of the originals or keep it on your phone. Common sense. People in India, now a days hardly use any cash. Even my car cleaner have phone pe and google pay apps on his phone. Only people mainly elderlies who can't use Internet banking visit banks. You can open accounts on line and do all transactions sitting at home. Indian government knows better than you whether and when a satellite system should be installed in USA. What confidential documents you are talking about? I am not with you. I have come back to India and I am not frustrated by the services of the banks. In fact, lndia's UPI system has been introduced in many countries.
@citizenjosie714 nightmare for the people who are not comfortable with internet banking. Anyway, don't bother to come to India. Stay in your dream country.
Hooefully the children or grandchildren wont be lost _ neither Indian, neither British. See a lot of Fijians, who were indentured labourers now mis treated and are hopping around to other countries for a new passport. This is the colonial legacy
@@SUJAMUKI think she is trying to say after 42years in uk returning to india brain would be confused if you are Brit or an Indian. Not sure if She is saying Just like Fijians if she will be faced with more problems in India. I think she doesn’t understand that overseas indians don’t have indian passport on return after 3 years they are eligible to get it back. Indian culture teaches us to respect birth place and work face with equal respect, part of Hinduism which others struggle to understand 😊
@prashantnanda6680 Your concept of Hinduism is strange. Haven't you ever heard of OCI?(overseas citizen of India ) that's as good as Indian passport and gives you all the rights of an lndian citizen except the right to vote. I naver had any problem living in India and never will. What has fijian got to do with this. Your comment is not being very respectful.
Indian tax laws for returning NRI's need to be studied in detail before making such decisions! The Indian govt does not make it any easier to retire in india
@@DesiReturn yes, and in retirement, last thing one wants is official headaches and constant keeping up with the information dems ded by tax authorities!
@@citizenjosie714 l think you are worrying for nothing. Those days of paperwork have gone. I have come back for good from UK. I asked my bank manager whether he knows any tax consultant. He gave me the contact number. The tax consultant asked for my PAN number and within less than an hour he submitted my tax returns, he didn't ask for any bank statements or any other document. I suppose they have an app. As soon as the PAN mumber is entered all details show up on the system.I was pleasantly surprised. Two main IDs you must have are AADHAR card and PAN card. Pension from UK comes after already being taxed. Any interest from investment like fixed deposit is considered as income and taxed. You need to have a professional tax consultant who will do your tax returns for a minimal charge. I paid only 4000 rupees. I gave him my bank details and he sent the tax refund due to me to my bank account. I didn't have to do anything. Just talked to him over the phone. He sent the reports of tax rrturns to my WhatsApp. Tax authorities have nothing to do with tax returns if it's done on time.
@@citizenjosie714 l think you're worrying for nothing. Those days of paperwork have gone. I have come back for good from UK. My bank manager gave me the contact number of a tax consultant. I called him and he only asked for my PAN number. Within an hour he submitted the tax returns. I think tax consultants have app where just putting the PAN number, all the details show up.I was pleasantly surprised. I gave him my bank details and any tax refund due was sent to my bank account. I am a widow, living alone, sorting all these out without anybody's help. You need to get a professional tax consultant. Two important IDs you must have are AADHAR card and PAN card. Tax authorities or Indian Government has nothing to do with tax returns if it's done on time. The report of the tax returns was sent to my WhatsApp. I paid only 4000 rupees as charges for doing the tax returns. Pension from UK come already being taxed. Any interest from investment like fixed deposit is considered as income and is taxed.
@@citizenjosie714 I think you are worrying for nothing. Those days of paperwork have gone. My bank manager gave me the contact number of a tax consultant. He asked for my PAN number and submitted the tax returns within an hour and sent the report to my WhatsApp. I paid him only 4000 rupees to do this. Refund that was due to me was sent to my bank account. Pension from UK comes after being taxed and any interest from investment like Fixed Deposit is considered as income and is taxed. You must have two important ID's, AADHAR card and PAN card. Tax authorities and Indian government has nothing to do with tax returns, if it's done on time. Of course you can study Indian tax law if you want to become a tax consultant yourself. I am a widow, living alone and sorted all these, sitting at home without anybody's help.
@@meetasarkar2218 In my retirement home, there are nurses for 24 hours. One doctor comes, l think everyday and the geriatric doctor comes once a month. In case of any problem, you phone the nurse on duty, she will consult the doctor and the doctor will come to see you if necessary. Every week nurses come to check blood pressure, weight, oxygen level. blood sugar test is done once a month. You don't have to go out and make appointment with the doctor. You don't have to pay for these check ups but if you need a x ray or some other treatment in the hospital, you pay for that. There is a rehabilitation centre where you can have physiotherapy. You have to pay for using this centre. These are all inside the retirement home and you don't have to go out. There are some nice parks for walking, meditation etc. I have never been to that park yet. I can't tell you anything about the health insurance. Someone seriously thinking about moving, has to come, stay and find out. My monthly expenses for staying here is less than 1 lakh a month including rate for the room, maintenance, food and also covers personal expenses like driver, car cleaner, petrol, toiletries, personal attendant if you need, take aways when you fancy. Breakfast, lunch, snacks and dinner is served in your room. Many people from kolkata go to Hyderabad or Banglore for better treatment. For someone single or even for elderly couple retirement home is more secured as there are 24 hours security guards, CCTV. However it's up to an individual to decide what he or she wants.
![🔴 ฟุตบอลแชมป์กีฬา 7HD แชมเปียน คัพ 2024 [รอบรองชนะเลิศ]](http://i.ytimg.com/vi/zPm8ClLVhoE/mqdefault.jpg)
Please join other desi returnees and be part of community to engage in relevant discussions by following the instructions here. docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform
What she did was absolutely correct, there is nothing like home.
True
I have a humble request to all the viewers of this video and any other videos, please don't scrutinise each and every word the interviewees say as within the limited time on zoom you may not explain things the way you want to. As a viewer, you may comment on the
subject matter by any means but please ignore petty mistakes that's not relevant to the actual issue.
Yes very valid point. These are not scripted conversations but we want them to be candid and very conversational style. Please take it from a full contex of topic and not individual sentence.
@@DesiReturntrue.
Good retirement podcast, so many learning at this age she’s enjoying affordable labor services which is expensive in west .
But it felt like she had wonderful life in UK as well and she didn’t gain much coming back to India in later years. This is life we can’t predict thanks for sharing Avinash 👌
Thanks again for watching our episodes regularly and sharing uour thoughts
I don't know what you mean by not gaining much coming back to India. The first thing l gained is peace of mind, plenty of spare time, availability of services.
If l didn't have a good life, l couldn't live in England for 42 years. That doesn't mean l am not happy in India. My husband passed away and l dread to think how l could ever cope on my own in England.
There is a always a right time right place for everything. Destiny over which we don't have any control also plays a big role in our life.
Awesome Q&A and sharing life experience of 42 years with listeners......
There are many answers for viewers who are currently living abroad and are still young..
Thank you very much. Lot of wisdom and insights that can help the young generation
Very nice! Good job with the interview. It is rare to hear expereince of our seniors esp females. Thanks !
Glad you liked the discussion. Thanks for the feedback
Kindly make videos for people returning to India from UK with medical background (if any). Most of my friends who are doctors have performed this experimeent but hace failed and had to return back to UK. Please let us know of success stories in this area
Thanks a lot for your effort
For a doctor wanting to come back to lndia, l shall suggest that you contact a hospital, both government and private, in the city you want to settle,and find out the details. Someone not in the medical field, will not be able to help.
If you come back but can't settle, it's better you stay where you are.
Yes we actually have a story of Dr who moved after spending a decade in UK. Here is the link.
th-cam.com/video/JwezMBq2Zvc/w-d-xo.html best thing is to checkout our playlist to see all the relevant videos
very nice video. Im 41 and i guess thinking about how aging works and what it means to retire , this video was inspiring and helpful. Thanks for sharing your experiences. my preferred location would be Bangalore, Pune or Goa i guess.. Retirement homes sound like a great idea ..
Thats fantastic. Glad the video is helpful. We also have couple other videos about family moving to India for retirement on our channel. Check it out.
@@baijuthomas3716 You're too young to think about how aging works. You will know when it comes.
The answer for your question as to what it means to retire is that no more Monday morning blues, stay in bed till late, plenty of spare time to do whatever you like to do. I must not tempt you. The negative side of retirement is having too much free time can make you lazy. We have different phases in our life and have to go from one phase to the next.
I have never been to Goa but if you have option, definitely Goa.
@@SUJAMUK Thank you :) , great advise. if you can share at what age you retired and returned to India.
I took voluntary redundancy before 60 and moved to India in my mid 60.
With global warming is india getting more and more hotter and this is big deterrant in moving to india for retirement.
You don't have to come to lndia after retirement. There is no compulsion. Not just India, the whole world is getting hotter. Countries like Spain, ltaly, Greece, Portugal where people usually go for holiday was extremely hot this summer, the temperature in some places went upto 50 degrees. It's even worse for these countries as people are not used to harsh summer.Places like Newyork, Florida, California were also hotter than normal this summer. Many people in America have air conditions in their homes like they do in India.
😂@@ary6039
If that is the major factor for you, so many places other than India to choose for retirement.
@@PACIFICNZ yes i had heat stroke in india during my visit in 2019!!!!!!!🙄
And yes, some places in the US get very hot too.
Very informative video keep up the good job. I know medical insurance is something we need to consider before moving back to India but are there companies that provide the same for a British passport holder? Or is it better to take medical insurance once we moved back?
Thanks
Thanks alot!! Yes there are companies which provide insurance for OCI hard holders and its better to take couple of years earlier so preexisting conditions are covered too ( typically 2 years waiting time)
It's an eye opener
Thanks for watching
In fact it’s Everyone’s dream
Thanks for watching
Good interview for now who live in uk
Thanks
great video.living in the UK and permanently home sick despite decades in the UK , I am keen to learn others perspective who return back. Keep it up.
Thank you! Please check 60+ stories of families who moved back and how life has been for them on our channel
Different people have different mindset.
I hope they don’t get frustrated with the banking system and the countless procedures to get the smallest thing done in India. NRIs would love to invest in India but the government has made it so difficult to do that. India is still very low in ease of getting things done. Employees in banks, financial institutions and government still don’t have customers friendly approach, and partly so for the government bureaucracy.
When was the last time you interacted with indian banks. No need to go to banks, online transfers, UPI, etc
@ About 18 months ago and the bank kept asking for different things each time and also lost all the original forms and nothing got done. My colleagues have similar experience and are frustrated with the procedures. The private banks make so much money, but would not open a satellite offices in USA and ask many forms with confidential information to be mailed to them from USA.
First of all it's a common rule to keep the copies of the originals or keep it on your phone. Common sense.
People in India, now a days hardly use any cash. Even my car cleaner have phone pe and google pay apps on his phone. Only people mainly elderlies who can't use Internet banking visit banks. You can open accounts on line and do all transactions sitting at home.
Indian government knows better than you whether and when a satellite system should be installed in USA. What confidential documents you are talking about? I am not with you.
I have come back to India and I am not frustrated by the services of the banks. In fact, lndia's UPI system has been introduced in many countries.
Very true! It's a nightmare!
@citizenjosie714 nightmare for the people who are not comfortable with internet banking. Anyway, don't bother to come to India. Stay in your dream country.
I wish she had comeback a bit more early to spend more time with her husband before he passed away. Nevertheless atleast she came back home
Well done 😂I am going back to India after 50 years
All the best!
Hooefully the children or grandchildren wont be lost _ neither Indian, neither British. See a lot of Fijians, who were indentured labourers now mis treated and are hopping around to other countries for a new passport. This is the colonial legacy
@@charmaine8512 sorry, couldn't understand what are trying to say.
@@SUJAMUKI think she is trying to say after 42years in uk returning to india brain would be confused if you are Brit or an Indian. Not sure if She is saying Just like Fijians if she will be faced with more problems in India. I think she doesn’t understand that overseas indians don’t have indian passport on return after 3 years they are eligible to get it back. Indian culture teaches us to respect birth place and work face with equal respect, part of Hinduism which others struggle to understand 😊
@prashantnanda6680 Your concept of Hinduism is strange. Haven't you ever heard of OCI?(overseas citizen of India ) that's as good as Indian passport and gives you all the rights of an lndian citizen except the right to vote. I naver had any problem living in India and never will. What has fijian got to do with this.
Your comment is not being very respectful.
Temp is not as in earlier days. Weather is hot even in winters - that’s the only problem.
Its a dull boring weather, not just cold.
Good interview.
Thanks a lot!!
Very nice video.
Thank you!!!
Indian tax laws for returning NRI's need to be studied in detail before making such decisions! The Indian govt does not make it any easier to retire in india
Yes need to be considered that for moving to any country as you are dealing with two countries taxes etc.,
@@DesiReturn yes, and in retirement, last thing one wants is official headaches and constant keeping up with the information dems ded by tax authorities!
@@citizenjosie714 l think you are worrying for nothing. Those days of paperwork have gone. I have come back for good from UK. I asked my bank manager whether he knows any tax consultant. He gave me the contact number. The tax consultant asked for my PAN number and within less than an hour he submitted my tax returns, he didn't ask for any bank statements or any other document. I suppose they have an app. As soon as the PAN mumber is entered all details show up on the system.I was pleasantly surprised. Two main IDs you must have are AADHAR card and PAN card.
Pension from UK comes after already being taxed. Any interest from investment like fixed deposit is considered as income and taxed.
You need to have a professional tax consultant who will do your tax returns for a minimal charge. I paid only 4000 rupees. I gave him my bank details and he sent the tax refund due to me to my bank account. I didn't have to do anything.
Just talked to him over the phone. He sent the reports of tax rrturns to my WhatsApp.
Tax authorities have nothing to do with tax returns if it's done on time.
@@citizenjosie714 l think you're worrying for nothing. Those days of paperwork have gone. I have come back for good from UK. My bank manager gave me the contact number of a tax consultant. I called him and he only asked for my PAN number. Within an hour he submitted the tax returns. I think tax consultants have app where just putting the PAN number, all the details show up.I was pleasantly surprised. I gave him my bank details and any tax refund due was sent to my bank account. I am a widow, living alone, sorting all these out without anybody's help.
You need to get a professional tax consultant. Two important IDs you must have are AADHAR card and PAN card.
Tax authorities or Indian Government has nothing to do with tax returns if it's done on time.
The report of the tax returns was sent to my WhatsApp. I paid only 4000 rupees as charges for doing the tax returns.
Pension from UK come already being taxed. Any interest from investment like fixed deposit is considered as income and is taxed.
@@citizenjosie714 I think you are worrying for nothing. Those days of paperwork have gone. My bank manager gave me the contact number of a tax consultant. He asked for my PAN number and submitted the tax returns within an hour and sent the report to my WhatsApp. I paid him only 4000 rupees to do this. Refund that was due to me was sent to my bank account.
Pension from UK comes after being taxed and any interest from investment like Fixed Deposit is considered as income and is taxed.
You must have two important ID's, AADHAR card and PAN card.
Tax authorities and Indian government has nothing to do with tax returns, if it's done on time.
Of course you can study Indian tax law if you want to become a tax consultant yourself.
I am a widow, living alone and sorted all these, sitting at home without anybody's help.
🎉❤good vedio sir
Thanks alot!!
Nice video...😊
Thank you!!
What about the medical problems, medicines. Ex
Contd: expenses and facilities
@@meetasarkar2218 In my retirement home, there are nurses for 24 hours. One doctor comes, l think everyday and the geriatric doctor comes once a month. In case of any problem, you phone the nurse on duty, she will consult the doctor and the doctor will come to see you if necessary.
Every week nurses come to check blood pressure, weight, oxygen level. blood sugar test is done once a month. You don't have to go out and make appointment with the doctor. You don't have to pay for these check ups but if you need a x ray or some other treatment in the hospital, you pay for that.
There is a rehabilitation centre where you can have physiotherapy. You have to pay for using this centre. These are all inside the retirement home and you don't have to go out. There are some nice parks for walking, meditation etc. I have never been to that park yet.
I can't tell you anything about the health insurance. Someone seriously thinking about moving, has to come, stay and find out.
My monthly expenses for staying here is less than 1 lakh a month including rate for the room, maintenance, food and also covers personal expenses like driver, car cleaner, petrol, toiletries, personal attendant if you need, take aways when you fancy.
Breakfast, lunch, snacks and dinner is served in your room.
Many people from kolkata go to Hyderabad or Banglore for better treatment.
For someone single or even for elderly couple retirement home is more secured as there are 24 hours security guards, CCTV.
However it's up to an individual to decide what he or she wants.
What about safety for an elderly woman in India?!!!😮
Quite good in these gated communities.
Far Far better than London
@sreedaranramakrishnan5811 !!!!!. OMG. Thank you.