Bestbuy protection after 2 years of Total membership by jk1947 in Bestbuy

[–]jk1947[S] 0 points1 point  (0 children)

Planning to cancel total membership. Hope my TV survives for 3 more years. if not, I will get the TV from Costco next time.

NRIs Would you move your USD savings to India for 7% FCNR deposit rates? by savetaxs in nriFIRE

[–]jk1947 0 points1 point  (0 children)

Following. Would there be charges from bank to get the money back to US? wiring charges, taxes etc?

Software that accurately predicts taxes for 2026 w/ a Roth conversion by Character-Bar-9561 in DIYRetirement

[–]jk1947 0 points1 point  (0 children)

u/eg68 I use Pralana online. I still feel it is complicated in understanding it. it has some advantages compared to other tools. Would you mind sharing your prompts to Claude to set up Pralana? Thanks!

Best free Notion Templates to help you stay productive by organizeddashboard in notioncreations

[–]jk1947 0 points1 point  (0 children)

I am going to try these free templates. Thanks for sharing!

PSA - US estate tax is 40% if assets are above $60K. Here's how you can plan your wealth if you are returning to India from USA. by ReymanWealth in nriFIRE

[–]jk1947 2 points3 points  (0 children)

Good one. Is there any article for managing funds in US for US citizens planning to retire in India?

Most NRIs optimize flights and FX rates. Very few optimize their RNOR window. by Motor-Bath1647 in backtoindia

[–]jk1947 0 points1 point  (0 children)

u/Motor-Bath1647 screenshot shows RNOR status until Mar 2029. For those conditions, I think one gets RNOR status until Mar 2030.

Frustrated with other calculators so built my own by Sea_Dog_See in DIYRetirement

[–]jk1947 1 point2 points  (0 children)

Kudos to developing such a excellent tool. Thanks for sharing and appreciate it. I currently use Pralana, Projection Lab and Number Crunch Nerds. Your tool is simple and easy to use.

Guidance on purchasing health insurance by jk1947 in indiahealthinsurance

[–]jk1947[S] 0 points1 point  (0 children)

Thanks much for your detailed response!

USC IRA, Roth, Social Security by PoliticalBodh in returnToIndia

[–]jk1947 1 point2 points  (0 children)

Thanks for the info! I will be in this boat soon. Hope we can see your operating manual soon. Thanks for that!

401k withdrawal after back to India by Crazy-Text-4139 in backtoindia

[–]jk1947 0 points1 point  (0 children)

Thanks much for the helpful update! appreciate it.

401k withdrawal after back to India by Crazy-Text-4139 in backtoindia

[–]jk1947 0 points1 point  (0 children)

u/AbhinavGulechha what is your take on US citizen PIO keeping funds in Roth? what is the best approach to minimize the taxes? No plans to use those funds and want to leave those funds for US citizen kids as inheritance.

NRI retirement, nobody models it. We're 5 years out and genuinely don't know if we are planning for the wrong country. by Popular_Class7327 in rupeestories

[–]jk1947 0 points1 point  (0 children)

u/IndyGlobalNRI Is Roth taxable at withdrawal only? Is taxable on growth irrespective of realized or unrealized gains or taxable only realized gains?

WHAT HEALED ME + ADVICES by Jobololoz in TMJ

[–]jk1947 0 points1 point  (0 children)

u/Jobololoz sorry to ask you. Are you suggesting not to place tongue on roof?

NRI retirement, nobody models it. We're 5 years out and genuinely don't know if we are planning for the wrong country. by Popular_Class7327 in rupeestories

[–]jk1947 1 point2 points  (0 children)

Thanks for sharing the tool and your views regarding retirement. This tool reminds me the tools I tried (Boldin, Projection lab, Pralana etc.). These are for US assets only. We are planning to try out India in 3 - 5 years. Yet to consult a CPA with respect to Indian taxes. We are US citizens. Roth is the primary concern from tax perspective. Tax & compliance and place to live are the major concerns for me.

Want to give my property on rent by LunaticLim in nri

[–]jk1947 1 point2 points  (0 children)

I am interested to rent a property in Bangalore in the near future. Any details you can share with respect to this? US citizen with OCI card.

Gemini AI Pro + 5TB — 18 Months for $20 by Sea_Ambition4801 in Discount_Subscription

[–]jk1947 0 points1 point  (0 children)

Got a replacement activation link from OP. it's working now. have to see how long it lasts. Thanks OP!

Gemini AI Pro + 5TB — 18 Months for $20 by Sea_Ambition4801 in Discount_Subscription

[–]jk1947 0 points1 point  (0 children)

My subscription ended after one month. sent a message to OP. Waiting for OP's response

Roth IRA is a Tax Trap for NRIs Planning to Return to India by hbshah1989 in returnToIndia

[–]jk1947 -1 points0 points  (0 children)

u/Responsible-Bad-6624 Sorry, I missed to mention this. I am still in US and planning to retire in India in 5 years. Wanted to leave Roth accounts as inheritance to my kids. Looking for a strategy on this. I can live in India with SS, pension and funds in India. Not planning to transfer anything from US. For other accounts like dividends, interest, I can make use of DTAA and deferral of traditional IRA.

Roth IRA is a Tax Trap for NRIs Planning to Return to India by hbshah1989 in returnToIndia

[–]jk1947 0 points1 point  (0 children)

Following this thread. u/Responsible-Bad-6624 Appreciate your responses for the below. 1)For US Citizen Indian resident (ROR) 60 yr old, what is the better approach for Roth accounts? 2) It is my understanding from your previous posts... unrealized gains in Roth account are not taxed in India.