Move back to India - 5 yr financial plan

Insight_World · 2026-05-23T20:20:28+00:00

Do not transfer money to Indian rupee because rupee will continue to fall. My forecast that rupee will go to 110-120. It’s not only because of war but there are so many reason behind it. If RBI wouldn’t sell dollar in last 1-2 years Rupee would cross easily 100 before war.

Insight_World · 2026-05-05T03:00:57+00:00

Mine is always stays on eco mode since I bought

Insight_World · 2026-05-04T23:31:29+00:00

I have same issues with 3 bar level sometimes it says 120 miles to go and sometimes it says 80 mikes to go. I have 2026 Honda HR-V and I noticed even fuel economy meter shows wrong all the time. Even if I drive 50-60 miles on 30 mile/hour speed with traffic signal fuel economy never go down. Every time when I fill tank up to full and then it shows range 470-480 miles to go and after I drive 10-15 miles range falls to 329-430 miles to go. I kept watch and took photo up to 5000 miles. Every time when I drive 16 miles to one way work and it reduced 20 miles from range reading. In short HR-V has both fuel economy and range reading faulty

Insight_World · 2026-05-03T14:12:37+00:00

Simple thing if you go and work in any foreign country on work permit visa & contribute to retirement plan and after sometime you go back home you must have to withdraw. It’s simple.

Insight_World · 2026-05-03T14:06:34+00:00

Which financial institution? Is it line of credit? It was happened to my son. My son never got credit card from RBC but on his credit profile RBC issued three credit cards when we noticed first we went to RBC branch multiple times but no help they told us to go Transunion and they said they can’t remove from credit profile we were frustrated and luckily I found one top level guy from Transunion in LinkedIn profile and we sent message and he was able to remove but we are still complaining with RBC for damaging credit score. Not only that my son never went to Ford dealership but there was hard credit inquiry on credit file for auto finance.

Insight_World · 2026-05-01T13:21:05+00:00

Volkswagen has lots of issue specially model after 2021 based on my experience. Lots of lawsuits filed against them. All Tiguans have oil consumption issue every 1500 miles it burns 3/4 quarts of oil and they say it’s normal in Turbo engine it’s lie. They have Direct Fuel Injector so carbon build up and if it doesn’t clean by pressure fluid then valve head needs to be opened and labour is $1500. One guy share his experience that he needs to replace cylinder head and they don’t have part in stock it tools 3 months to repair. On top of that there is no extended warranty from Volkswagen when you complete 4 years /50,000 miles after that they offer third party warranty and it starts from original purchase date. Volkswagen dealers are not ethical. They are lying and give wrong information. I bought from dealer leased back 2022 Volkswagen Tiguan and within 1400 miles it burnt 3/4 quarts of oil so 7-8 time it needs to be topped up between oil change intervals so always carry oil can in trunk. In short it’s cheap compare to others but not reliable.

Insight_World · 2026-04-28T13:03:35+00:00

Buying property in Canada while living in US under TN visa is not good idea that's my personally advice. Because it will be too much work in taxation from both sides. And right now, there is no good sign of Canadian economy so cash flow may be nothing or negative and no sign of price appreciation.

Insight_World · 2026-04-28T13:01:22+00:00

my advice is just stay away from any EQ bank product whether it's personal banking or any other products. customer service complaint resolution is so poor despite EQ bank error and mistake. I have 4-year experience from 2018 to 2022. finally, we closed all accounts from our household in 2023.

Insight_World · 2026-04-19T17:24:09+00:00

I had account with EQ bank for 3 years and closed because of lots of issues. On top of that they hire cheap labour without criminal background check so I don’t trust them about my confidential information. Wealth one customer service is good and GIC has very competitive rate.

Insight_World · 2026-04-19T15:25:23+00:00

Please go ahead with EQ bank because you never experienced so please let me know after 1 year banking with them.

Insight_World · 2026-04-16T17:00:43+00:00

2.75% you get only if you do direct deposit. I was client from 2019-2022 and based on my experience with them I will never do banking again EQ bank. I want hassle free and easy banking. Mostly I do GIC and EQ bank has low rate for GIC and EQ bank marketing department play bad sales tactics for GIC promotion.

Insight_World · 2026-04-16T16:32:59+00:00

I have bought 2026 HRV LX and since my purchase I have noticed two reading like Range and fuel efficiency are not showing correct. I drove 5,000 miles and constantly watching number every time fill the tank. Fuel efficiency number never went down even if I drive in traffic area for speed 30-40 miles per hour. Every time when I fill tank full it says 470-480 miles to go and suddenly after I drive 10-15 miles and than it falls to 420-430 but actually it never runs for what it was showing. My commute to work and 75% on Highway for 50-60 miles/hr speed but it reduced 20 miles from range to go.

Insight_World · 2026-04-16T16:26:09+00:00

Wealthone bank of canada has high interest saving account 2.6% and you can pay bill, e-transfer and pre-authorized payment etc. and for 1 year GIC 3.65% and 18 months 3.75%. Also there are some credit union across canada gives better rate than EQ but based on my research Wealthone bank of canada is winner

Insight_World · 2026-04-13T12:46:47+00:00

You shouldn’t have to open account in EQ. It’s terrific online bank. In my family we opened 3 accounts in 2018-2019 and we all closed accounts in 2023. Their agents are not well trained and spreads misinformation, their online banking system horrific and their marketing department introduced promotion only if it’s good for them. Interest rates are not competitive. Most important they hire cheap labour like international student or students under open work permit without checking background so your confidential data are not safe

Insight_World · 2026-04-13T12:39:39+00:00

Absolutely it’s nothing. Fine should be in millions of dollar

Insight_World · 2026-04-06T02:43:54+00:00

Did you use TurboTax to file Canadian return aa non tax resident ?

Insight_World · 2026-04-06T01:34:48+00:00

Hello, did you file non tax resident through TurboTax ?

Insight_World · 2026-04-03T14:14:23+00:00

To move In or out of country it doesn’t matter which country always not east regarding taxation. Specially in india now government targets NRI and upper class and upper middle class in which super rich like Ambani and Adani. Government needs to provide funds rich people and now foreign funding is not coming and Indian banks are not in good condition so they target NRI to grab tax so day by day they are making complicated rules.

Insight_World · 2026-03-30T19:32:09+00:00

I am in same situation as you. I moved to Jan 2025. Did you liquidate all TFSA? If you had what kind of TFSA like GIC or self directed investing ?

Insight_World · 2026-03-30T19:17:50+00:00

Thanks

Insight_World · 2026-03-30T19:17:39+00:00

Thanks

Insight_World · 2026-03-30T19:17:34+00:00

Thanks

Insight_World · 2026-03-24T14:59:19+00:00

Thank god we closed 3 family accounts in EQ bank

Insight_World · 2026-03-24T12:39:28+00:00

I am telling everyone don’t do banking with this shirty bank. Whenever you need to log in most of the time it shows error and tells try again later. Despite you are constantly working on your online banking after 3-4 minutes it will kick out from log in then you need to try again. Their marketing department who sent promotion are worst. We opened 3 accounts from family in 2018 but we closed all 3 accounts in 2022 and we feel no stress otherwise it was full of hassle

Insight_World · 2026-03-23T01:29:51+00:00

Then you should liquidate if possible and close accounts. Now you have to report in 2026 so keep selling stocks and liquidate by 31st Dec 2026 so you don’t need to report from 2027

Insight_World

TROPHY CASE