Choosing India for retirement after 30 years abroad : A 16 year journey | NRI | OCI

[@DesiReturn]

Please join other desi returnees and be part of community to engage in relevant discussions by filling and following the instructions in the form (link below) docs.google.com/forms/d/e/1FAIpQLSfi6V6L4Ipg6Xze_Qm1IxYEPUPCfAPBc1DzFYnNv-j6KWxjrw/viewform

[@PublicAccount-b2h]

At about the age of 66 and 72 they came back to be with their parents. They are blessed their parents were there for them at that age..❤😢

[@DesiReturn]

True.

[@padma9025]

True. Looks like they got good genes

[@madanmurthi1565]

Another big factor inour lives is the enormous pressure India exerts on you mentally to come back home on ones visits to India.😊

[@madanmurthi1565]

We too came back to India after spending 25 years in Africa. Our 2 Sons are in USA and Canada. My personal experience in making the move back to India is "no regrets ".I can only agree totally with what is expressed here. 5:57

[@DesiReturn]

Thanks a lot for sharing your thoughts. Would you be open to share your journey with us. If so can please send a note to info @ desireturn . Com

[@kumartamil6]

next interview

[@Nina-eo8vp]

For God's sake,, it's Africa where you wake up in the morning glad that you're alive and your house was not robbed the night before

[@gijuvarghese6545]

​@@Nina-eo8vpevery country in Africa has indians who live there happily. And India is where everybody wants to get out of

[@Nina-eo8vp]

@gijuvarghese6545 that's not surprising. I too would do the same if I lived in Africa🤣

[@rosesweet2405]

Golden words of wisdom for our everyday life to be happy wherever we are. He also nailed it saying the US is the best place to work and India is the best place to retire. Ignore the irritants that come along our way.

[@DesiReturn]

Thanks for watching and sharing some of the key insights from the episode. Have a great day👍

[@amala8487]

Every one wants forign money and Not thanking the Country in which they worked.

[@ramalingamsadasivan2835]

Also you are going to increase the cost in the country. Returning rich indians should be taxed more for their contribution to grow bharat

[@dilipupadhyay516]

Very encouraging for someone like me who is thinking of retiring in India. Do you know of any nice retirement accommodations in or near Delhi India ?

[@amritamuttoo6397]

😅Agree.

[@charuraya2606]

In india, life is great for rich peoole like this.

[@rangamurali7667]

If you are middle class but not rich, to give an example, retiring in India with some savings or pension will go a long way to settle down to a happy and secure life and living with good medical services and in home care available. So just plan to make your life better, as the gentleman said, save 50 to at least 40 percent of your income every month for a sound future, that any younger folks starting their career should plan for. Life is hard for those at the bottom rungs of society and with certain issues, which I fully agree and empathise.Cheers.

[@abhijitsen7749]

What a fulfilling life. Not the typical IT stuff you hear from people returning from the US.

[@DesiReturn]

Thanks for watching!

[@AnRa19]

Drawing great inspiration from Mr n Mrs Ramakrishnan. Service with such purpose 👏 Thank you for sharing.

[@DesiReturn]

Thanks for watching and sharing your thoughts!! Glad you liked it

[@AnRa19]

​@@DesiReturnSo glad found your site! In same dilemma as much NRI retirees n these videos give insights n shared experiences. priceless ! best wishes, Syd, Australia

[@DesiReturn]

@@AnRa19 That’s fantastic. Good luck with your transition!

[@hemlata8481]

Happy to hear good things about Madhya Pradesh!

[@DesiReturn]

👍

[@Brightarrow-i8x]

😂😂😂 for what is there,

[@PMPatel-np5jq]

Thank you both for giving this open, frank interview. Your experiences and insights are immensely helpful. Saving 50% of the total income is a great public secret revealed.!!! We all know it but don't do it!!! Repeated hammering like this is helpful.

[@DesiReturn]

Glad you liked the episode. Please check out our other videos.

[@kumartamil6]

🎯 Key points for quick navigation: 00:06:13 *🌍 India is considered the best place for retirement due to the favorable cost of living and accessibility to services like medical help and household staff.* 00:10:11 *💸 Financial planning focused on saving 50% of income throughout their careers enabled a comfortable retirement in India without lifestyle changes.* 00:14:30 *🇺🇸🇮🇳 Retirees with US citizenship living in India can manage tax obligations in both countries without negative financial impacts.* 00:16:01 *🏠 Community service efforts in India led to the creation of a nonprofit trust providing housing and support for elderly residents.* 00:22:04 *😊 Adjusting to different cultures and lifestyles when moving countries is crucial for happiness and integration, whether in India, the US, or Africa.* Made with HARPA AI

[@ET-si7rl]

😊❤ yes sir

[@Nayanapathagamibhavatumey]

Excellent interview, so full of fresh insights. Conducted very nicely.

[@DesiReturn]

Thank you very much for such a positive feedback. Please feel free to share others who can benefit from the content

[@vijayarangan17]

India will become the elderly capital of Indians worldwide.

[@DesiReturn]

Thanks for sharing your thoughts

[@ushasunil5916]

That is the sad part. We need young blood to take India forward

[@jeetlahkar894]

​@@ushasunil5916 we have young blood in abundance. We need experience people to guide the young towards path of development

[@roja7426]

Young blood wouldn’t stay if there is no job security and if the pay is not good. In the west, you work hard but you don’t have to worship the feet of your employer. In India, you are managed as if you are still in school by a principal in the work place.

[@Bert-xw5wr]

​@@roja7426 In the US, the job security is even worse, and getting worse every year. In Europe, it's better though. The pay is definitely better in the US, since Indian companies don't pay well, even when the company charges the same prices for their products worldwide. They just make the lame excuse that 'In India, living expenses are low', and exploit the employees, and expect them to work like slaves for that low salary for 70 hours a week

[@arnipskumar3245]

Good thoughts from this couple. Emotional factor to come back to your homeland is a major factor - cannot be measured. All services available in India and cheap, but not necessarily good quality, both in kind and professionslism ( corruption). This one must accept...then Indua is a great pkace to require afyer choosing the right location/city.

[@DesiReturn]

Emotional and rational factors too. Quality and service is debatable.

[@CreativeRays]

Beautiful journey❤ loved listening to your words

[@DesiReturn]

Thank you very much!! Lot of wisdom . Please feel free to share with others who can benefit from the content.

[@natenatesan3795]

Very nice interview. Sri Ramakrishnan and his wife spoke so well. The questions very relevant Awesome About getting social security from US in India - they are still US citizens and have bank account in India How about those who are not US citizens or even a green card holders or permanent US resident being on H1 say, , is it possible to get social security credited to account in India ?

[@DesiReturn]

Thanks a lot for the feedback. Yes one would qualify for SS benefits once they meet the 40 credits even if there are not US citizens or GC holders living in India. Please check our video about that on the channel

[@dilipupadhyay516]

Very informative. Thank you 🙏 Can you share some information on Retirement homes / accommodations in and around New Delhi ? Thanks again .

[@DesiReturn]

You are welcome! Gald you liked it. Send us a note to info @ desireturn .com

[@navin8466]

Golden Nugget at 5:30 - To be with Parents

[@DesiReturn]

Thanks for watching and sharing key reason to move back

[@cookmaster3626]

After several years in US, I am contemplating a return to Bangalore and your Non Profit group seems like a good option, and the nice thing is depending on your affordability and liking can choose popular areas within the city or outskirts. If there are any such groups in formation would like to explore.

[@DesiReturn]

Thanks for watching. If you have interest to learn more about the non profit group that Mr and Mrs. Ramakrishnan are running, please send a note to info @ desireturn .com so I can provide the contact details and you can have further conversation. Thanks

[@Theturmericclub]

I would like to explore the possibility of joining your non profit. Kindly share the details.

[@cookmaster3626]

@@Theturmericclub - I am not starting any or promoting one. Looking to join the current one or if some one is starting a new one. open to ideas.

[@DesiReturn]

@@Theturmericclub Can you please reach out to us at info @ desireturn .com so we can provide guest contact details

[@kaypee4704]

The confusing thing is you that one cannot be outside the USA more the 6 months….because one loses Medicare and SSI benefits….so how does he work around that…. Can a non-Indian, American citizen retire in India…will you need a Special visa….????

[@Achtungatutube]

Another very insightful video. Kudos to you Avinash ! It is apparent that this is not your typical retired couple, they seem highly accomplished and i cannot imagine what their investment portfolio would be given their 50/50 mantra! Times unfortunately now are different compared to their time in the US. Easier to save 50% when you have 20k a month as opposed to 3k. Regardless, they hit the nail on the head about the dollar going a lot further in India and it makes FINANCIAL sense to stick on in the west AS LONG as you are able to save a fair amount regularly. But the decision to relocate is definitely not purely financial. At this age it makes so much more sense to be in a place where conveniences are in abundance. Very important to be as self sufficient as possible and build a community of like minded individuals especially if you know you may not have family to support you during these years. Would have loved to know more about Indore as that seems to be coming up as a preferable place to relocate to in retirement.

[@DesiReturn]

Thanks so much! Very well said.. Glad you enjoyed it and I am really grateful for this young couple to be able to share their journey which is very insightful for a lot of people.

[@Arjun1346Ne]

6:16 to 6:23 (Golden Words)

[@DesiReturn]

🙏🙏

[@Bandhu241]

Sage advice . I also plan to retire in India

[@DesiReturn]

Thanks for watching and sharing your thoughts. Good luck with your retirement.

[@dbiswas]

Me too, but I am still working on convincing my wife. That's the most difficult part of it.

[@havyagadepalli1]

​@@dbiswas😂😂😂😂😂

[@krishnavenikapu9389]

​@@dbiswassame pinch but have to convince my husband 😂

[@MDD-ut8wo]

A wonderful video v v sensible and informative. I’m from Blore- wish I made that choice earlier- I left it abit too late. Good luck!

[@DesiReturn]

Thank you for watching

[@bhavanapatel7206]

Great advise by this couple in the end. We have to adapt wherever we live.

[@DesiReturn]

True

[@vasukia3009]

One question as long as both couples are alive, one can take care of the other. How do we handle if one is not alive? Even hospital would want a care taker to be present. How to manage in such situations ?

[@emailshe]

They will move into a single bed room or apartment inside the same gated facility, these places have 24/7 staff to take care with a reception intercom phone. Food , medicine reminder, assistance for disabled, clothes wash, shopping visit etc are done on a time schedule. Sometimes they will be waiting for a doctor to come and visit them from a nearby hospital.

[@dbiswas]

Currently, I am living in US for last 25 years. Both my parents & my in-laws are living in India. And my daughter is very small (yet to start her kinder garden). My parents & her parents live great distance apart (Kolkata & Mumbai). I still plan to work another 10 to 15 years and then move back. By that time my daughter will be in teens. Any advice on what should be my strategies to start preparing now? This channel is awesome by the way.

[@DesiReturn]

Thanks for the feedback!! Glad to know that you have a plan in mind. Moving when your daughter is in teens could be a bit tough for her to adjust (sooner the better- before middke school if possible). If you need 10-15 years, take more trips to India with your daughter so she is familiar with and excited about the move etc., good luck and please share content with others who might benefit from it.

[@srinivasanpartha3826]

😂😂😂 sorry to laugh. You will Never move back to India. This is the idea of every Indian who comes to US, but they will never go😂 back

[@shivasiva9392]

I am Married for 25 years no kids we are South Indians I want to move back to India I do love America what hesitated us to retire in USA cost of living medical expenses extremely high even if we payed our mortgages still need to pay property taxes I don’t live mid west down south states I don’t feel safe of their ideology one of my friends parents moved mid west states he felt unsafe Best place to live is New England states of USA but their taxes are so high just of taxes early paying minimum of 10 thousand USA dollars I know why we need to pay taxes it helps USA government Just debating myself we both are health care field above 50 years now

[@DesiReturn]

Thanks for sharing your thoughts and good luck with your next steps

[@padma9025]

@@srinivasanpartha3826we moved back to India after living in usa for fifteen years

[@sudhakardantu]

This discussion is an eye opener about our motherland to many who consider Western countries are better. I am seventy year old and planning to join a senior citizen home . Can you please arrange provide the contact information of Mr. Ramakrishnan's society as I require vegetarian home. Regards

[@DesiReturn]

Thanks. Please send a note to info @ desireturn .com

[@hitengutka5348]

Wonderful advice sir!!! Some parallels I can draw with my own journey. The Chandariya group is oshwal community (same community as me) aware of their work and charity for Kenya community and also India community. I too live in NJ now since past 11 years very close to Hamilton. Golden years!!! Wonderful advice.

[@DesiReturn]

Wow. Gald to hear your thoughts and sharing some parallels. Thanks for watching and providing some insights..

[@abacusmindmath7113]

All is good except for the fact that having a restriction on residents' food habits. It is a personal choice and should never be a criteria for inclusion. Each for their own. Best wishes. Also, most importantly, when one spouse crosses over, how will you manage life? Eg. My dad has macular degeneration which has made him dependant on my mom. My mom got diagnosed with lung pressure and related heart issue lately and is having hard time managing. They are 84, 76. They are managing on their own. They don't depend on us for money. But cannot say life has been easy. You can live safely in India as long as you have health and spouse. After that, life is challenging until and unless you have a person living with you who you can trust. There is no one formula that fits all. Do what is good for your family and be satisfied. Best wishes to all!!

[@DesiReturn]

Yes every ones life and experiences are different and one formula does fit. Please note that it their own non profit senior living and thats their meal preference for the group and we need to respect that. In terms of life with out spouse, everyone has different opinion on which place is better. As long as they are clear and decide. Its good.

[@vattamma20]

I like their attitude towards living life. They are not sad like many typical Indian parents who keep crying about kids living in foreign and left parents in India. They can do that only because they live outside of India. The only thing that made me wonder is their discrimination about the nonvegetarian community staying with them. When they are saying accommodating every one in other countries...why are they not doing the same in their own country?

[@DesiReturn]

Thanks for sharing your thoughts. We just need to acknowledge Its their non profit organization and their way of running it, but I understand your point.

[@butterflybush8981]

Everything is possible if you have tons of US dollars in your bank account . Obviously, your attitude will change!!!

[@aparnakannabangalore7617]

I live in the USA for past 35 years, my entire family is vegetarian. When he talked about accommodating everyone, he meant you should learn to work in a diversified community, so your life is easy and happy. I do that everyday in my work. My best friends are from a diversified group. That does not mean you compromise on your personal eating habits to accommodate a diversified group. We work hard for our food. Especially when you get older, your food becomes an integral part. Let’s say if he allows non- veg food, 50 % of vegetarians may be okay with it the remaining 50 % have to find another source for their food. Instead of asking why he. Can’t accommodate non-veg food in his group, you can ask for his idea to create another group where you can provide non-veg food. So both groups are happy. This is for elderly people to stay happy.

[@ranadheerreddy4136]

We don't need 25 mins of discussion for that. It's simple, power of purchasing disparity. The can live for one year peacefull ly with 1 month pension from US.

[@DesiReturn]

Agree to some extent. Its not only purely financial aspect, there is quality aspect, life after the move etc., without all those details, story would be incomplete. Thanks for watching

[@Rainbow_1981]

It's as easy as you'd say. Moving from one country to another takes a lot of thinking/ effort, it's a big decision, certainly having enough money makes it's a little easier. This forum is for that I believe..share one's experience, knowledge etc. for me it's good to know what others think/ their experiences..I'd do my own research too..with all of it helps me to make a better informed decision.

[@DesiReturn]

@@Rainbow_1981well said. Thanks for watching and sharing your thoughts

[@gauravipal5691]

Decisions to move to India maybe financial. But it is important to understand whether the transition was successful.

[@sharadjain588]

Very insightful and covering in detail their journey and challenges for returning NRI planning to settle in India for retirement. I have few queries:Did they bought 14 apartments at the start of their journey from a builder or got it constucted according to their needs.For utilities and other services like medical care,home help etc,have they been buying/paying on contract basis.What happens to their apartment ownership,after they are both deceased.Very informative video. Many thanks and await your reply.

[@DesiReturn]

Thanks for watching and glad you liked it. I beleive senior living is in a trust. You can get more details from the guest and you can reach out to us at info @ desireturn .com so we can share guest details.

[@jashodachawda733]

Roots in india Gujarat born in Africa Kenya 🇰🇪 and raised my children in USA 🇺🇸 enjoying life and retirement in USA 🇺🇸 ❤

[@DesiReturn]

Thanks for sharing your story. Glad to know that you are enjoying lofe and retirement in US.

[@gnanasekarthiyagarajan7680]

Please boast also about kids, richness etc 😂

[@deynishit1589]

@@gnanasekarthiyagarajan7680 Yes, you should also boast about how you exploit the poor people in India by employing them as cook, house maid and pay them peanuts because they don't have any other option. That is a great facility in India because 80 % of people are very poor and do any work for you if you throw them a piece of bread. Your diplomats when posted in place like NYC breaks the local law by paying their domestic help less than minimum wage and then get arrested, you guys have absolutely no shame. Stay happy in India by sucking the blood of poor people because it is much cheaper than water.

[@Lotus2963]

We started thinking after 30 years in abroad. There’s always an emptiness and anxiety here

[@DesiReturn]

Thanks for sharing your thoughts. Are you still abroad?

[@Lotus2963]

@@DesiReturn Yes

[@Raj-ph6kn]

We have been in US for 40 yrs, are retired now, have 2 children & 3 grandchildren here, by god’s grace can afford many luxuries in USA or in India, we are emotionally attached to India but are apprehensive of moving back. Many of my friends here are in the same boat .

[@Lotus2963]

@@DesiReturn yes

[@DesiReturn]

@@Raj-ph6kn Why not tryout for few months living in furinshed places to see how it works and see if these apprehensions are real, which could help with your decision process. All the best.

[@WisdomwWave]

Great topic. I am 47 and started building my retirement home in Kerala, India. Seeing the place that you grew up makes big difference especially when you are old. By the way I live and work in Canada since last 18 years and planning to retire @55

[@DesiReturn]

Great. Thanks for sharing your journey. Good luck with everything!

[@padma9025]

Very good idea. 👌👏 Are we allowed to go and see how this trust runs? We are also senior citizens and OCI holders. We live in Hyderabad and maybe we can gather a few friends who join us in living together.

[@DesiReturn]

I beleive so. Please send a note to info @ desireturn .com for details

[@Raj-ph6kn]

We are also from Hyderabad, would like to hear about this Non profit or other retirement living in HYD

[@vijayalakshmibhagavathula9139]

Yeah. Both r very friendly states

[@DesiReturn]

Thanks

[@tadepalliprasad]

Inspiring for all seniors and retired

[@DesiReturn]

For sure. Also doing service and active at that age is hats off… wish I can be 50% of their energy levels.

[@arunp7547]

This elderly couple game back to India to take care of their parents but the abroad born and raised kids won’t have the same sentiment towards their immigrant parents. The reason is being born and raised in India makes all the difference.

[@DesiReturn]

Its the culture in which we are raised determines our thought process

[@Bapa1947]

Yr idea of non-profit trust to create a sr citizens home sounds so good and fortunate to enroll like minded seniors Can y please send the project report to float one such in Chennai as we are big diliama to continue to live in US or go back to spend our retirement We r 72 and 77 Healthcare is a big nuisance in US as all other things are manageable as long as we r together life will be different when one bird is out leaving the other in lurches yr advise in such situation please

[@DesiReturn]

Thanks for the note. Please send an email to info @ desireturn .com so I can put you in touch with Mr and Mrs. Ramakrishnan.

[@bhoomamanohar5631]

Very nice interview .will you please give details of the non profit organization they run?

[@DesiReturn]

Thanks. Please send a note to info @ desireturn .com

[@rangarajannarasimhan341]

Good discussion and inputs. Which retirement facility please ?

[@DesiReturn]

Communicated via email.

[@entha_alle]

Planning to move back in 9 years 🙏

[@DesiReturn]

Great. Glad to know you have a plan in place!! All the best. Hope our content helps with the move

[@SK-ro8of]

Awesome video, Thank you for this informative video. Kudos to the couple they said they went back to take care of their parents, please I would like to connect with them. Please help me reach out to them.🙏

[@DesiReturn]

Thanks a lot. Please send a note to info @ desireturn .com

[@user-ap54]

Looks like it is only for upper middle class seniors; not the normal middle class.

[@rangarajannarasimhan341]

Can you please share the concept and operations of this Non-profit association of Seniors. It will be helpful please. Is this concept cuts across people living in one premises Or across multiple apartment complexes ? How did they conceive the central kitchen, medical, housekeeping etc., curious to know please

[@DesiReturn]

Communicated via email.

[@barryobrien1890]

A couple of points that are a little confusing. I lived 30 years in usa and moved to India to retire. I am not an indian origin person but my wife is. Social security can only be given if you work more than 10 years in the USA. After that the worker is entitled to social security. Your wife is entitled to half of she is a US citizen or citizen of certain countries but not india, so it ends when you die. The pension plan is good but not a guarantee as a child can need support, or health issues can consume pension quickly so you need to be prepared to accept lifes changes including pensions. I do not have any household service and get my own milk. India is great but not because it's cheap. India is great because it's rich with intangible experience. As for taxes, you do pay more in India as there are few deductions in India. Your usa income is taxed in usa first, but because you can file jointly, the deduction is quite big. The tax is less so the same income is also taxed in India, but there is no joint deductions so you pay much more tax and can only deduct the small tax you pay in the USA, so your tax is much higher in India even though the rates are similar.

[@DesiReturn]

Thanks for sharing your background and your insights on SS benefits and life in India. SS benefits- does it go to kids as dependents if they are USC?

[@barryobrien1890]

@@DesiReturn No. Social security is like a pension and is not linked to a savings account. It pays a fixed amount as long as the owner is alive, and 1/2 to the surviving eligible spouse should they select it. Some spouse who have worked over 10 years may have a higher payout so they can select their own social security. Note the spouse benefit is not cumulative, so you get 1/2 the spouse or your own, not both

[@Punch8721]

@@barryobrien1890 Surviving spouse will get the larger amount of their their own Social Security or that of the decedent. As you state not both.

[@sk100ca]

Where in Bangalore do they reside in? What is the name/ location of their retirement home? Very interesting and informative. Please share the details. Thank you

[@DesiReturn]

Please reach out to us at info @ desireturn .com

[@geetahegde7840]

​@@DesiReturnit was lovely listening to you both.Please do share details of your non profit organization for seniors as I'm interested in the work you both are doing & knowing more about the same, thank you

[@deepukd4752]

You're doing great job

[@DesiReturn]

Thanks a lot for the feedback! Glad you are liking the content.

[@Rainbow_1981]

You get groceries deliveries / medicine delivered, haircuts done at home/ easy domestic help/ food delivery though some things aren't as predicated/ reliable/ you'll find genuine people.

[@DesiReturn]

True. You have to work through the system and its not seamless yet

[@butterflybush8981]

And you end up having all the lifestyle diseases coz of laziness after outsourcing all your jobs - to cut your life short - right ha?

[@1mikon]

Nice, but I wonder how often do you get to see your children and grand children?

[@DesiReturn]

I believe once a year or two

[@umasuresh5733]

Can I get more information about Mr. Ramakrishnan’s retirement home in Bangalore. We are planning to return to India from the US too. Would appreciate if you share more details

[@DesiReturn]

Replied via email.

[@Hmmmmmmmmm00]

@@DesiReturnCould you please share details of the retirement home ?

[@DesiReturn]

@@Hmmmmmmmmm00 Please reach us out at info @ desireturn .com

[@raaju8919]

@@DesiReturn

[@DesiReturn]

Please reach out to us at info @ desireturn .com

[@madhunagesh-k8f]

Where is it in Bangalore please I want to know about thank you for your information

[@DesiReturn]

Please send a note to info @ desireturn .com so we can provide details fo guest to get more info

[@padmanarasimhan5815]

Can u please share d retirement home which Mr. Ramakrishnan mentioned… thanks

[@DesiReturn]

Please send a note to info @ desireturn .com thanks

[@sunilshegdeable]

India, is good for the RICH.

[@gijuvarghese6545]

I am born in Africa.. South African citizen. My parents went back..we visit very often. To settle, I dont know...

[@DesiReturn]

Thanks for sharing your thoughts.

[@dineshmistry375]

Very interesting couple. My wife and I are in Canada and are thinking about moving to Bangalore to retire. Is there any space/apartment that we can obtain in this complex.

[@DesiReturn]

Good to know. Please reach out to us at info @ desireturn .com so we can provide guest contact info so you can check

[@anandbabu2692]

Nice talk.

[@DesiReturn]

Thank you for watching!

[@madhubalakrishna9296]

Great series and very helpful! One question I would ask is about Medicare , since it is paid during our work life in US. How can it be claimed outside US?

[@DesiReturn]

Thanks for watching. I am not sure if it covers healthcare outside US.

[@bscsmscs1578]

In general, Medicare does not cover health care or supplies outside of the United States, including India. Medicare usually does not cover medical care you receive when traveling outside the U.S. and its territories.

[@madhubalakrishna9296]

@@bscsmscs1578 Thanks for your response! So we have to take health insurance in India to cover all expenses probably good idea to share those info during these sessions to plan for it . Thanks again!

[@madhubalakrishna9296]

@@DesiReturn thanks for your quick response! Maybe you can ask those questions next time :-)

[@DesiReturn]

Yes need to take health insurance in India. What questions for you have. You can reach out to us at info @ desireturn .com

[@venkatkrishna6863]

I would like to join Mr. Ramakrishnan’s community if possible. I am 80 my wife 72. Our children are in the USA. We are in search of a suitable Senior Home. Presently we are in Chennai.

[@DesiReturn]

Replied to your email sir. Thanks for reaching out and good luck!!

[@harshatrivedi5203]

@@DesiReturnwhat is the name of his retirement community in Bangalore?

[@DesiReturn]

@@harshatrivedi5203 Please send a note to info @ desireturn .com so we can provide contact details of Mr. and Mrs. Ramakrishnan to get info about the retirement community.

[@CaptainAmerica-t8b]

Do you have any experiences for those who returned from Canada?

[@DesiReturn]

Yes we have quite a few guests who moved from Canada on our channel. Please check out other videos.

[@kussh100]

The captions need to be proofread. KZbin captioning needs proofreading

[@DesiReturn]

Thanks for the feedback. These are autogenerated.

[@raghuhv9674]

After we move to India, any idea if Social Security income is-taxed by India ?

[@DesiReturn]

Yes it is… we will have a video about it soon

[@sadaiyer14]

Good one though they could have talked a lot more. I am much younger & I have been living in India for the last 3 years. His talk about tax is only half correct. He is right about setting off the tax paid but he fails to mention the higher taxes in India. The second I wish he had talked which community he was living in Blr

[@sadaiyer14]

On point no. 1 I cannot overlook the fact he is a CA and would have done proper due diligence but I did an exercise with a CA on my global income being taxed in India, I found Indian threshold is very low for highest tax bracket of 35%+. Any one with Social Security in US will easily cross that limit. In US we probably get charged 15 to 20% . The limit as I know is Rs.10,00,000/-. I will be keen to get his views on how we can avoid the additional 15% you end up paying on the same income levels compared to US

[@hanamoona6739]

I would like to know if you are taxed on your US income in USA or in India or both places? Do you have to pay taxes in India even if you have no source of income there?

[@maniannarasimhan]

Could you kindly tell me the name of the retirement community Mr. Ramakrishnan is referring to in bangalore ( where he is staying please 🙏)

[@DesiReturn]

Replied via email.

[@sumahomes-i4i]

How US monitor your wellbeing.. Do they continuisously credit $$ to your account ? Any docs needed every month?

[@DesiReturn]

US monitor your wellbeing?? SS benefits gets credited and you are on your own living in India with your own dr appointments etc

[@shrilekhaa]

which is this trust sir any link

[@DesiReturn]

Please send a note to info @ desireturn .com so we can put you in touch with our guests who can give more details about this. Thanks

[@somrao8045]

What made you go to other countries for your career? Is money the only factor?

[@Mira-pm3ni]

Definitely money .

[@yashpednekar331]

Cover UK situation, people returning to India for retirement but adult kids living in the UK.

[@DesiReturn]

We have an episode coming up up very soon. Family who moves from US for retirement in India while kids and grand kids are still in US. Stay tuned!!

[@yashpednekar331]

@ thanks, it will be great if you cover a couple returning from the UK leaving the grown up kids behind. Could you please ask question on OCI? Is it possible to keep it up to date whilst in India? when the British/US passport is renewed.

[@DesiReturn]

@@yashpednekar331 I dont know anyone who moved from UK that I can reach to interview. If you know, let us know.

[@ushasunil5916]

Am not sure if coming back to India is a great thing-all your working years which is the ‘ contributing’ years you have contributed your say 4 decades to another nation and now come to take benefit India’ s resources which you were not part of it. Leave it for Indians who stayed here and built it. When India was bereft of you professionals who left, that’s fine but stay there only. You will be able to easily purchase anything here, that is the senior living- raising cost for everything here. Where is your responsibility? Fine you went but stay there. This kind of migration has made India lose so many resources

[@yasminmawani2157]

Excellent. I fully agree with the couple. Which part of Africa were you in? Thanks.

[@DesiReturn]

Thanks for watching and sharing your thoughts. I am not sure of specific country in Africa.

[@gabraham2802]

Good info. I have been in USA for over 40 years and thinking of teturning to india. Is it possible to get MR. KRISHNAN's contact.

[@DesiReturn]

Great. Please reach out to is at info @ desireturn .com so we can provide contact info

[@vasanthyhariram5872]

What is the link of the place they are running

[@VidhyaSivakumar831]

What is the name of this community in Blore. Love to learn and replicate the same Ramakrishnan uncle

[@DesiReturn]

Thanks for watching. Please reach out to us at info @ desireturn .com so we can put you in touch with Mr/Mrs. Ramakrishnan

[@darshsagi]

Medicare is not covered and that’s the only drawback. I wish Medicare covers healthcare in India as well.

[@DesiReturn]

Thanks for sharing your thoughts. If it’s covered in the future, yes that would be beneficial

[@natenatesan3795]

I am.told Medicare reimburses for the medical expense in India Also u can cancel expensive Medicare if you are not going back and forth to US People in higher income brackets in US pay higher Medicare premiums - u can save so much in.India

[@darshsagi]

@@natenatesan3795It’s true that Medicare premiums are higher and alternatively one can take a good insurance in India.

[@darshsagi]

@@DesiReturncan you please interview someone who are shuttling back and forth between US and India post retirement? After living in the US for 25 years and counting, I’m seriously considering spending 6 months in US and 6 months in India. There are many people in this segment. Would be beneficial to hear someone already doing this.

[@DesiReturn]

@@natenatesan3795 Are you sure? Any documentation to back that medicare reimburses medical expenses in India

[@sandipswain3299]

they are us citizen , got good amount of money and getting us social security

[@DesiReturn]

Thanks for watching!

[@SS2004-v3h]

Namaste Can you please tell us which senior housing Mr. Ramakrishan lives in and how to become a resident in this complex. Whom to contact. We have 2 NRI seniors who are looking for a senior place to move to and would like to connect with Mr. Ramakrishnan. Thank you

[@DesiReturn]

Please send a message to info @ desireturn .com and we will provide you the details. Thanks

[@vasanthyhariram5872]

Name of the retirement place?

[@DesiReturn]

Please reach out to us at info @ desireturn .com so we can put you in touch with guests and you can ask further questions

[@martialArt2024]

Can we make a video on how they are claiming SSN from USA ?

[@DesiReturn]

Ok. We will keep it on list of items. Thanks

[@SaraWindi]

@@DesiReturnI came to ask this. It would be great to see a numbers break down with some hypothetical income. What happens if social security owner passes away and spouse (non working or has worked for 10 years in the US) survives. Do kids get any benefit? What about tax advantaged education plan like 529? HSA etc?

[@DesiReturn]

@@SaraWindi Yes please stay tuned and subscribe so you get alert when the content is posted.

[@Raj-ph6kn]

@@SaraWindi-As far as I know, Social Security gets deposited in your Bank in US as it would normally be, then you transfer the money from US Bank to your Bank in India. Social Security is earned by/ for the person who has worked for 10yrs & made the contribution from each pay check as all people do, after the persons death the spouse can claim 50% . There is NO money given to children

[@saphire7693]

What would be a good health insurance to take in advance for retired life

[@DesiReturn]

It's better to take the health insurance before returning to India (2-3 years before) so all the pre-existing conditions are covered etc., but have high deductible to minimize the costs. Please reach out to us for any specific questions at info @ desireturn .com

[@Rs15sai]

Thank you for this informational video and interview with this wonderful and happy senior couple. May I have more information on the senior residence where they are located?

[@DesiReturn]

Glad you liked the discussion. They live in Bangalore. Please reach out to us at info @ desireturn.com or on instagram at desireturn.official to provide more information about guests. Thanks

[@rosesweet2405]

Hello Desi return, my husband is in the supply chain and he's currently a director in a private organization, we are US citizens. He applied to several companies in India and Singapore but all were rejected, why is no one in India and Singapore willing to proceed further? Asking because want to understand the reason for so many rejections so if there's something we can change accordingly. Also, we search jobs in LinkedIn and there are not many supply chain executive/ director level jobs in India and Singapore, don't understand why because India should be having lots of Supply Chain job especially considering the population.

[@DesiReturn]

Thanks for reaching out. Especially for senior roles, its important to to network with hiring managers in desired companies and reach out on how one will add value. I would expect quite a feq supply chain jobs in India. If you have firther questions, please reach out to us at info @ desireturn.com or on insta desireturn.official. All the best!

[@barryobrien1890]

Ex pay jobs are difficult to find for us citizens as the wages are expected to be high and paperwork to hire in India is frustrating. A manager in India may make $30k in India but an expat may cost the company $150k or more because of taxes, visas, trips , is taxes and lawyer fees etc. best to get a job in a foreign company first with a branch in India or Singapore and then try to transfer internally

[@bhavanapatel7206]

Good interview. But i see lots of people go back with $ to India for the same reason this couples mentioned. I live in a metropolitan city in U.S.A. , It has a huge Indian population. Lots of people go back but sadly return to U.S.A. after few years and mainly due to red tape , infrastructure and to corruptions. To deal with making big purchase or sell like home etc. things moves very slowly and it will move faster if you know someone and brine . All the foods can be delivered here, home cooks or tiffin services provoded by housewives , temples on daily basis. If you want can get a Indian person to cook daily, clean hones, maintain your garden/ backyard . Doctors can get away with anything in India. Yes, its a great country my motherland, I am proud to be Indian. Where to retire is individual vdecision and one's own priorities. Good luck to this couple, wishing the best for them 🙏🏽♥️ Money talks everwhere.

[@DesiReturn]

Thanks for sharing your thoughts. Yes its individual decision and there is no right or wrong but one’s preference based on their experiences etc.,

[@minijo43]

I absolutely agree with you where to live in your old age is a very individual decision! Each person has his or her needs and likes. I for one will never go back to India to spend my last days when my children and grandchildren are here in the USA. Only advantage in going to India to spend your last few years of life is that you can have a lot of money there because of your dollars. No other advantages. I have lived and worked in USA for 52 years and this is home in every way for me. My kids are well settled and I would rather spend the rest of my life peacefully here. My opinion.

[@Bapa1947]

I like your decision perhaps your children take care so well and no need to look back your motherland I salute yr children for yr comfortable stay in US

[@gauravipal5691]

@@Bapa1947what makes you think they are depending on their kids to take care of them.

[@venky247365]

When you are only the one as host and your guests are 2 you should shrink your screen and extend your guest screen, look at how inconvenient you made them to fit in a small frame.

[@DesiReturn]

I am greatful that guests were able to get on the call and share their experiences with some technical challenges. Their video was not great but message is more important. We have couples on the show and I beleive videos was fine with them. Anyway thanks for the feedback and we will keep it in mind. Thanks

[@preetapradeep3054]

May i know the name of the retirement home where they are staying

[@DesiReturn]

Please reach out to us at info @ desireturn .com

[@Nina-eo8vp]

Easier said than done !!!

[@DesiReturn]

True that. Taking a bold action is not easy.

[@Nina-eo8vp]

@@DesiReturn huh, really ?? Living in la la land😂😂

[@mayankindian3750]

Please bring ankit Shah for discussion brother 🥰🇮🇳☺️❤️ debate about dedollarization

[@sumithramoodliar1418]

Pl let me know where is this retirement home?

[@DesiReturn]

Please reach out to us at info @ desireturn .com

[@zenith808]

Did you live in a vegetarian community in Africa and the U.S?

[@DesiReturn]

Its their organization and they can choose how to run it.

[@pdavis55]

Are you kidding me... Retiring in India ? I just visited Kashmir. Forget the dirt and grime, the noise alone was enough to turn me off, not to speak of the traffic. It will take India time to develop a civic sense....not in my lifetime.

[@DesiReturn]

Glad you are clear on where you dont want to retire.

[@ramanair1286]

Each to their own. No good or bad answer

[@sarajobs9606]

Is there a similar set up in Chennai also ? Kindly provide contact details of the facility

[@DesiReturn]

It's only one facility in Banglore and that it is non-profit run by Mr and Mrs. Ramakrishnan with others. Thanks for watching!

[@Annam133]

U have good retirement home in Coimbatore

[@venkatesanjayabalan8434]

He talks about more of a cheaper cost for best services.

[@kalpanakamath8095]

Quality of Dr differs from dr to dr n medical facilities are available n good in India but at a cost

[@DesiReturn]

Valid points

[@anjumulk2]

Where is this retirement home?

[@DesiReturn]

Its in bangalore

[@Ushakbm]

@@DesiReturn please lets know where is this senior living home.

[@DesiReturn]

@@Ushakbm Please send a note to info @ desireturn .com so I can share guests contact info.

[@kalpanakamath8095]

Save 50% are you joking is it possible with inflation anywhere in this world today

[@flowers5947]

They moved to take care of parents. But parents were in different cities than B'lore. How did they take care of them then?

[@DesiReturn]

Not sure of the specific details. If we have an update, we will post here

[@PhDLaw]

I think the main reason to return to India was they themselves. They left india for themselves n returned for themselves. Their parents would b independent already. They left them back for more than 30 years. Y lying simply.

[@dhkw007]

WhT is there to lie here. They left wen they were young to earn and parents were young too. Once they retired they decided to return for parents n themselves.

[@SaraWindi]

This doesn’t make much sense. My parents in India are healthy and young right now so I have been living in the USA for past 15 years. I plan to return when they are approaching 70s, my parents are onboard this plan, looking forward to family time with grandkids living together in one home.

[@jaikumarvadivelu7947]

HARRIS was raised as a middle class child and understands the MAJORITY of AMIRICANS.She has Character, Charisma and believes in UNITY,LOVE,EMPATHY and PATRIOTISM.

[@Dreamhomedreambig]

Harris is a joke. Good she lost

[@scube6748]

Whoever get OCI - Citizenship wherever they live in the world they need to pay tax for USA. All senior citizens get 1000 above dlrs per month.

[@Dreamhomedreambig]

Your podcast hardly adds any absolute numbers financially. It’s all just vague chit chat that anyone can do in a group of friends too. Hardly any valuable information on actual costs of living or money one needs to have