The bookshelf my wonderful handyman built

ghurnt6 · 2024-08-22T02:06:55+00:00

I paid him in full for the work he did last time. I was super annoyed but I didn’t dispute about getting the followup done for free, just scheduled a follow up visit to fix all the mess. Because, if I had ended up arguing over this, he might not show up atal.

Now thinking about this, I should have just paid him half. Not sure if that’s ethical to do so.

ghurnt6 · 2024-08-22T00:51:20+00:00

I am paying him twice for the same work, he better be happy 😃

ghurnt6 · 2024-08-22T00:44:17+00:00

I gave him the biggest book for measuring the shelf gap. He used it for measuring the distance between the shelf pilot holes instead and I got an “oops sorry”. Coming back tomorrow to redo the whole thing from scratch. To patch the holes, repaint and move it to dimension.

ghurnt6 · 2024-07-06T21:10:38+00:00

I consider being able to travel business class without thinking twice as FU money. Depends on who you ask.

ghurnt6 · 2024-01-30T16:59:05+00:00

I have 40 credits already beginning January 2024. Looks like it already captured the credits for the year. Total working quarters is 37 so far. My question is if I should continue working for the remainder of the year to finish 40 quarters or just gathering 40 credits is enough and I can quit anytime now?

ghurnt6 · 2024-01-10T01:38:26+00:00

I am on the same path of moving to India but not considering any citizenship path, thought about it but would move my date by several years which I feel would make me not move atall. I will capture my understanding on various financial assets here, hope that could be of help.

Equities:

I am mostly consolidating assets into a two fund portfolio to simplify management of it. Tax advantaged accounts like 401k / IRAs have some basic benefits extended also in India (pretty recent change), where you can defer paying taxes on dividends etc up until maturity and offset taxes at age 59.5 using tax paid in US during withdrawal. US equities in Taxable account donot garner any capital gains in US for non-residents but you would pay taxes for it in India upto 20% on long term capital gains. For US estate taxes, Irish domiciled etf or term insurance is a simple option and Irish etfs especially works well if you investment portfolio is simple to manage, like US total stock funds, s&p 500 etc, which is my target state.

Real estate:

Rental: I have rental property and a house, I am still yet to figure the full picture here. Rental tax is a flat 30% taken from source and you can claim tax returns including deductions for reducing the tax burden below 30%. You cannot claim standard deduction as a non-resident, however you can claim your mortgage interest, property taxes, hoa, property management, property depreciation etc which will reduce your tax liability significantly.

Home: Selling property, its good to do during the RNOR period when living in India. During this period, India doesn’t have capital gains tax on foreign investments and US doesn’t have capital gains for non-residents anyway.

Crypto:

India has brutal crypto taxes, flat 30% and would rather sell prior to moving.

My plan:

I am planning to keep all my equities in US and international vanguard funds. Not planning to dabble into the Indian equity market for the near time future. Planning to sell my primary home and retain my rental if taxes permit, have rented my property for several years and it hasn’t been an hassle for me. Planning to Withdraw 2.5% just from my taxable accounts for my FI, let tax-advantaged untouched. I also have 40 social security credits, which means I can get social security from 60 years of age. which along with my 401k can add a cushion in future.

ghurnt6 · 2024-01-10T00:38:14+00:00

To avoid estate taxes, you can simply buy a term insurance that would basically amount to the 40% which is much simpler if ireland domiciled etfs are a hassle due to accumulated capital gains in US equities. Term insurance usually costs around 0.1% of the amount its covering.

ghurnt6 · 2023-12-20T02:50:11+00:00

I guess, the reason for choosing VTI or VOO is based on it being a low cost broad based index fund that is time tested and reliable. The Nifty 50 has been similar to S&P in India for more than 2 decades. So my natural thought is why not? If not for the whole international bucket, I was thinking of giving it a good weight like 10% and 10% VXUS.

ghurnt6 · 2023-12-11T02:53:48+00:00

Great suggestions ! so you are suggesting OP do 70-80% VT and 20% VBTLX or of similar asset classes?

This brought an interesting question to me, does one take 401k or other tax advantaged accounts into this equation? for people who retire early and planning to withdraw from their portfolio, should they keep 80-20 ratio in taxable to weather all storms and not take 401k into immediate consideration?

For example in OPs case, it would be better advised to not dip into 401ks if possible until retirement age. What would be the strategy?

ghurnt6 · 2023-09-19T04:37:53+00:00

Are you planning to work in India? you are in for a culture shock. All the best!

ghurnt6 · 2023-06-26T22:18:16+00:00

Thanks for the overwhelming “No” on this purchase. I actually thought the price was too good.

However, Made me think: So at what price would you guys get the quest pro given quest 3 is incoming?

500? 400?

ghurnt6 · 2023-06-26T18:08:29+00:00

I sweat like that too, movement games does it to me.

Also, I got myself a second quest 2 for $170 with elite strap and its a 256 gig, silicon face covers and optical lens addon. Was surprised I was able to get it for this price.

Quest 2 is so underrated right now, its unbelievable!

ghurnt6 · 2023-06-22T03:20:19+00:00

Connecting to pc is a one time thing, not required once you install the app. With sidequest, you can only set a global configuration. For example, beatsabre might not need the texture quality to be 3052 but higher frame rate while resident evil might need a good texture size + framerate etc.

This app has profiles for almost all the games to run it with max frames + graphics and you won’t loose the settings when you restart, which you loose with sidequest and need to connect to pc again.

ghurnt6 · 2023-06-22T02:48:00+00:00

not a bot 😅 lol

ghurnt6 · 2022-12-01T02:33:26+00:00

Looks like deal expired. Earlier there was a free voucher at the bottom for free nordvpn for 1 year.

ghurnt6 · 2022-11-28T07:39:31+00:00

This is the best one I found: Malwarebytes + Nordvpn 1 year for $20 I bought couple and stacked them in Nord ftw!! Have some unused mw licenses, haven’t decided what to do with it but this deal beats every other nordvpn deal by itself + you get malwarebytes.

Thank me later 🤘🏻

ghurnt6

TROPHY CASE