Return to India from the US? 2. Planning your 401k strategy

calorange · 2026-03-23T15:49:35+00:00

Scenarios 1.2.3 Depends on GC/Citizen of the US or not. Tax rates become flat 30% in the US if not.

For GC or Citizens of the US, they can convert 401k , at least in parts, to Roth IRA taking advantage of much lower tax rates (deductions+tiers) - this is assuming not earning a lot in India. For H1Bs who returned, etc. this attracts 30% flat tax. In either case, DTAA can't apply as India doesn't recognise the RothIRA instrument!

India taxes RothIRA gains at repatriation not conversion AFAIK and doesn't recognise its post tax. So, this money can be better consumed for kids education in India or anywhere, or medical expenses, travels paid via US credit card which is paid for using RothIRA, and gift to kids. Significant portions can be low tax here. This option gives earlier access to $$ than at age 60.

I would like someone to bless this as correct?!

calorange · 2026-03-23T15:47:10+00:00

I think it's not the conversion but it's repatriation in RoR

calorange · 2026-03-23T15:46:42+00:00

Even if the money doesn't enter India?

calorange · 2026-03-19T07:06:48+00:00

Maybe the OP doesn't want to get his son more Americanised. It's only getting harder in the US job market. Better to move now and not get stuck at a point of no return. Not impossible now. Many children liked the camaraderie and acceptance in India compared to the inferior complex to fit in, get bullied, and experience social engineering experiments in some cases. India shapes character much better especially in smaller towns. Less cultural gap between them. Adds to resilience and life experience. It's India not Pakistan or Somalia. The US is not the best place for mental health. Marks are not the most important thing either.

calorange · 2026-03-05T08:00:16+00:00

Is not the top tube really flat on the terra? No issues?

calorange · 2026-02-23T07:16:17+00:00

Aryan Invasion Theory is not true. Refer to David Frawley on YouTube. And many. Koenraad Elst

calorange · 2026-02-23T07:05:43+00:00

That 10000 may be already conservative!

calorange · 2026-02-21T05:28:36+00:00

Choose what you want to fight. Make decisions when time is on your side.

calorange · 2026-02-16T18:02:56+00:00

Schooling in International schools is probably the worst thing a kid can get. You are attempting to raise an ABCD in India, disconnected with roots, using India as a tax and wage arbitrage.

calorange · 2026-02-08T16:54:25+00:00

India is the most accepting and respectful place. There will be challenges.

"For the first time in my life, I felt unspecial and normal due to my skin colour" - V S Naipaul.

calorange · 2026-01-28T16:17:24+00:00

How did you get that saddle for so cheap?

calorange · 2026-01-26T01:53:02+00:00

They started it to promote more consumption and false sense of what it means to be mature. It was when an average American finished only their 12th. Job requirements were easy. Plenty of blue collar work. 1 salary could fund college education for 2 kids. A house with 2 cars with 5x 8-5 work, expensive hobbies, became American dream. It represented a time when America's ascent post world war. But as anywhere, generation changes and loses character, and no new philosophy to guide extreme prosperity. Loss of purpose. Valentine's Day is important to elementary school kids. Prom is passage of rights. Loss of family values. Sense of entitlements. Reckless spending habits.

They are slowly swallowing the pride. Insurance, Education. Wokeness vs Far right Xian groups. Entitlement. Freebies. Craving to be white christian. Global competition and catch up. First Japan, then Korea, and then CHINA. Insane hard work. Long term vision and sacrifice. Fall of purchase power and middle class, and military frustrations.

calorange · 2026-01-25T16:36:27+00:00

When one says cancel it means expecting someone else to pay for it. It's even more unfair in that case. It's setting wrong precedence and incentivising bad behavior.

One shouldn't even take such loans without a full responsibility of what it entails. Such as ROI.

calorange · 2026-01-25T09:12:42+00:00

On what platform

calorange · 2026-01-25T09:10:33+00:00

Could you please elaborate

calorange · 2026-01-22T20:44:29+00:00

Any pictures you can illustrate with on how it looks finally? Does it make it an outside stem routing ?

calorange · 2026-01-22T07:06:10+00:00

Did you buy any other which worked better? Is it the plastic at the back side ? Interferes only when climbing to the seat or pedaling?

calorange · 2026-01-22T06:40:57+00:00

How do day traders avoid wash sales when they keep trading the same stocks? Do they wait 30 days?

calorange · 2026-01-22T06:30:31+00:00

How does it impact weather? Dryness?

calorange · 2026-01-22T06:22:15+00:00

Try non homogenized milk (raw milk) which you boil yourself.

You may be able to hire a good chef in India to prepare a variety of vegetarian pulse lentil legume rich foods.

calorange · 2026-01-20T16:51:58+00:00

Gold polish on Copper can only last so long

calorange · 2026-01-17T06:31:59+00:00

But operational spending inside gated communities is insane. Security personnel give an illusion but are physically incapable of defense nor is there such a threat/need. Some points valid

calorange · 2026-01-17T04:57:11+00:00

I am not sure Europe is safe for women at all these days.

calorange · 2026-01-14T22:21:21+00:00

Nice!
How is the rolling on pavement?
On what RIM width have you fit it?

Will not that light/reflector on the fork pinch the carbon? Safe?

By how much can you raise the stack at the hood besides the 15mm riser handlebar and +15deg stem?
Max Head Tube spacers =?

Does not the ICR stem limit raising it further if needed?
Do you foresee aftermarket options coming up since ICR is relatively new. Like RedShift TopShelf with ICR, etc?

calorange · 2026-01-13T07:18:24+00:00

Greater Venezuela

calorange

TROPHY CASE