Americaவில் வேலை செய்பவர்கள் கண்டிப்பாக செய்ய வேண்டிய 5 விசயங்கள் | Savings Investments Planning

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[@ArthiPrem]

Please use this link to join our membership community kzbin.info/door/DjEYBdbvu-1DpWukvNu8vAjoin 401k Video : kzbin.info/www/bejne/jIK1qqtngdmLZ5o HSA Video: kzbin.info/www/bejne/mp6we4ummcR7qZI 529 Saving Video : kzbin.info/www/bejne/sICrd4CNqMSMgdE Magnet School Video : kzbin.info/www/bejne/iGTUo5uema13bdU

[@Aaruaadhi]

It happened to me as well. I missed 401k contributions first 3 year working in the USA .Supervisor and hr are not stressing the importance of 401k. You are not going to loose anything by contributing to 401k plan.

[@ArthiPrem]

True 👍

[@sureshbalakrishnan6690]

Valuable insights, great video, both of you looking great! Learning that Estate planning, Insurance, AD&D are some of the important aspects which we should be aware of, and plan it.

[@ArthiPrem]

Good topics Thanks Suresh bro!!!

[@rajuseenivasan4706]

I'm not already there us Texas my place radhe Krishna Temple Dallas

[@ArthiPrem]

👍

[@nalininadarajan3327]

True! You are right, I don’t like to follow the Indian work culture in USA.

[@mahadevaniyer7293]

Why nice traditional tamil nadu dress. Is it your birth day or wedding anniversary. Whatever it is GOD BLESS YOU AND YOUR FAMILY. Prayers

[@ArthiPrem]

Thanks🙏

[@ganeshayer9770]

Good info. Adding a sixth one. Have a written will! - Very Very impportant!

[@ArthiPrem]

Yes plan to cover in the future videos

[@vijayank923]

Vanakkam Bro, Thanks for the video, really helps for everyone . I have one suggestion regarding the 529 plan . California (CA) state doesn’t provide tax benefits for 529 plan . Like this we have few more states.

[@akc5247]

That is correct. Contributions are not tax deductible at the federal level, but they may be eligible for state tax exemptions in some (but not all) states

[@jeyanthid1992]

Good ideas Prem Arthi 👏👏 Another idea my son there says that talking in English amongst our community outside our home should be strictly followed so that no one see us differently.

[@ArthiPrem]

No its not really you can talk in tamil while seeing tamil friends outside But when we talk the group where different language people are there should use English

[@hariniparthasarathy7482]

Good info! In Thumbnail investment spelling needs to be corrected

[@santoshr4212]

Speak about CD account in bank bro, they are providing good % return. I just found it after loss in robinhood.

[@ArthiPrem]

Sure Bro !!!

[@RajagopalSankaranarayanan]

Romba correct, Prem… I almost worked 8 years in IT at US… I didn’t contribute 401k …I’m sure I lost a golden egg opportunity.. now I’m contributing 401k and 457 as well 🤦🏻‍♂️

[@ArthiPrem]

Yeah definitely its golden egg.. i too regret vert late 😔😔

[@nivel4228]

Useful video anna and arthi...

[@ArthiPrem]

Thanks🥰

[@ragusugar5478]

Thank you bro. Would be much helpful

[@ArthiPrem]

Thanks Ragu bro !!!

[@premkumarpichaimani1913]

Hi Prem, When we are in visa, can we need to fill US census, I did one in 2020, now I got a The American Community Survey from US census bureau, can you please through some lights on this

[@mohanthiru639]

Hi watching your channel regularly, good 👍. Pls say about Louisville, KY in detail in a separate exclusive video.

[@ArthiPrem]

Sure !!!

[@girubs]

Good info guys. Depending on how long we have lived in states, people's mindset change over time. As Prem says, think/reach out beyond your group/circle of competence. I had to move out of my big friends group due to personal reasons and found that I lacked in lot of areas. For example, the group I was part of always think Real estate is the best investment and they started buying second homes. They are not interested in exploring other Ideas/options and even refrain from talking about it. Be part of a group but at the same time, keep in touch with all your contacts outside the group as well.

[@ArthiPrem]

Well said thanks 🙏

[@vij8426]

How to become a member ji?

[@ArthiPrem]

Hi bro, please use this link kzbin.info/door/DjEYBdbvu-1DpWukvNu8vAjoin Thanks !!!

[@pintu1603]

Nice topic Arthi and Prem I have one question regarding the mortgage interest and plan Recently I see many buying houses with 5 yrs or 7 yrs ARM instead of usual fixed mortgage rates. Is it a right choice and have you come across any. If you can do some videos on this it will be very useful

[@ArthiPrem]

Sure will do sister👍👍 might be people are moving ARM since the interest rate is more..

[@traditionalsilkhousellc3386]

Very useful video. Good one 👍

[@ArthiPrem]

Thank you Sister 😊😊

[@shanthir7741]

Namaskaram. Your costumes in south indian attire super. Very useful information. 🙏👍👌

[@ArthiPrem]

Thank u so much🙏🙏

[@gsopit]

We are love marriage in h1b with less family support. we are paranoid to plan baby in case we get visa issues. is giving birth in mexico a good plan ? that way we dont have to seperated . we also have two small dogs so goinv to india is a complicated option for us

[@ArthiPrem]

Sorry its too personal question Dont worry much But why you are thinking you may get h1b issue .. is it the max out problem?

[@chamundeswarikannan8052]

Hello aarthi n Prem! Nice video...Can you please make a video on what insurance parents should carry from India or taken USA to visit their son / daughter family who are in H1B in USA .Is there a risk of hospitals not treating the parents incase they fall sick with certain insurance .please clarify..i have a DM in Instagram also

[@ArthiPrem]

Sure sister Many people asked this topic Will do it

[@chamundeswarikannan8052]

@@ArthiPrem thank you so much..means a lot 👍👍

[@edason]

Just spend and be happy. What's the use of saving 🤔 Be like an American if you live in America and enjoy your life

[@ArthiPrem]

There is a misunderstanding like “American will not do savings” They are preparing well for the retirement using 401k savings/investments Also i have seen many Americans who can buy the house with the cash from their savings

[@fathimabibi708]

Good information 👍

[@ArthiPrem]

Thanks !!!

[@loganathanm5293]

Good info Arthi Prem, I too missed HSA for my son born. I came to know 529 plan is only state income tax exemption, no federal tax waived off. Please clarify if I am wrong.

[@ArthiPrem]

Hi loganath bro You are true the contribution is exempt only from state But the earnings exempt from both state and federal which is very good

[@loganathanm5293]

@@ArthiPrem Ok thanks your info

[@geethaelite08]

Can people in visa is eligible for 529 plan ?? I’m in Texas .

[@pree2conquer]

@@geethaelite08 yes

[@vimalrajayyaru2081]

Hi Prem, Can i buy stocks or Crypto in Robinhood account while living in USA and for good if i leave to India, can i sell the stocks from India after some years. If i can sell from India, will they charge tax more on Capital gains.

[@ArthiPrem]

Hi vimal bro I got this answer from quora and most relevant too Most of the Brokerages would need following: 1. Update the overseas address (ie. your India address) on the account. 2. Provide proof for your overseas address. 2. Fill out IRS W-8BEN form so that they can stop withholding tax in US ( if net outcome of trading is profit) . Declare capital gain/ short term gain / dividend in your home country and file the taxes for your trading activity. So paying tax in india is enough but update into the brokerage account properly for your case Robinhood

[@snowmass5310]

Saree super Aarthi

[@ArthiPrem]

Thanks🙏

[@give-or-take]

Good video. Thanks for the service .

[@ArthiPrem]

Thanks🙏

[@bvaishnavi1992]

Whether this is best time to buy house ? Confused due to high interest rate

[@ArthiPrem]

Will do the analysis and do the video sister If you are really worried about the interest alone You can refinance whenever the interest rate is low.. it will happen in a year or two

[@23jeya]

Most of the advice seen is if we can hold the property for atleast 5years u can invest… just suggestion…

[@pree2conquer]

yes its good time,since interest rates are high home prices are low,you can refinance in future if interest rates reduces

[@sreuben2006]

One more tip, can you do a video on these topics, types of job profession in the US, how Americans live and how indians live, Bringing up family in the US.

[@ArthiPrem]

Sure bro

[@sankaris6790]

Good one as usual 😊👍

[@ArthiPrem]

Thank U !!!

[@jayaveld124]

Excellent info

[@ArthiPrem]

Thanks 🙏

[@muralikrishnanv6195]

Good work. Even though i understand Desi means Indian, but still it feels more of an insult to an Indian companies. Why can’t it be called as Indian services company? Please think through on this

[@ArthiPrem]

Hi bro Sorry i never thought in this way Thought they are calling for identification I never use this again thanks

[@muralikrishnanv6195]

@@ArthiPrem thank you for understanding

[@minutefacts5214]

USA vill thamilargal athiga vasikka koodiya paguthi ethu bro

[@ArthiPrem]

More in California state bro next texas