Americaவில் சொந்த வீடு வைத்து இருந்தால் எவ்வளவு செலவாகும்? Budget and savings for single family home

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Note: We are not the immigration attorney and the content provided in this video is the general information only which we read from the news or any public forum. For those who looking for specific scenarios or any specific details, please work with the licensed immigration attorneys. Always attorneys will provide accurate information.
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Опубликовано:

16 дек 2022

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Комментарии : 83

@rahulanandan8463 Год назад

Super video Prem/Arthi... Keep up your interesting work...last a sonnengale BRAND ...semma

@girubs Год назад

This spreadsheet will be very useful for future home owners. When I bought the house, I was not aware of how high Utility expenses, Property tax expenses would be. Also I was thinking I will get tax credits for both Principal and Interest payments like how we get in India. But once they raised the Standard deduction to 25K, there is no tax savings in buying a house. Also allocate 1% of your home value to Maintenance budget. For example, a plumber charges 125/Hour here. I had someone fix a water leakage and the total bill was $500.

@ArthiPrem Год назад

Hi bro Well said… due to labor wages spike , paying more for the maintenance Mudiyala 😐😐

@akc5247 Год назад

Yes, this also is a good way for some of home fixes to be done by us DIY. On a related note, ttrade jobs like plumber, electricians are all very valuable. Something for our kids to explore. They can earn more, working less hours than what some of us will earn while working more.

@ArthiPrem Год назад

Agreed.. DIY is the only option here to avoid most of the expenses

@akc5247 Год назад

@@srivathsan3 certainly. But many fixed which appear daunting actually take only a few minutes by watching RU-vid videos. I learned it the hard way too, hence the suggestion to others..

@akc5247 Год назад

@அம்BUTன்உதவாநிதீ அம்BUTன்கழுவாநிதி True. Only thing I'd say is 401k is more important. You can always get a loan for higher education, but not for retirement income. So retirement savings is important.

@itrajaa Год назад

Intha video yaaruku use aagutho ilayo. Enaku nalla useful iruku. Yen Manager vera sikiram US vara ela erpadum pannitu irukan. This videos are really helpful for salary negotiation. Wife kuda vantha avanguluku work authorisation epo kidaikum current situation la.

@suriyar8135 Год назад

I too felt the same… India is costlier than USA.

@savithiriravikumar4697 Год назад

Very useful information. Thanks Aarthi and Prem.

@ArthiPrem Год назад

Thanks 🙏

@rajaramt3676 Год назад

Good work Both of you , very honest and casual and felt like listening advice from my close friends

@jagadishr9069 Год назад

Hi Prem, All your content is very useful info. When I came to the US, Just I accepted the offer and came without exploring anything. Initially, my house rent was $1900 now it's $2900 in VA. Every year salary hike is only 1.5 to 2% and it's very difficult to change companies because of immigration issues. Now a day PREM process getting delayed. My friends in India, are able to save 1L to 2L monthly, Only good thing in the US is more family time and no one watching you. Thanks

@ArthiPrem Год назад

True jagadish bro Immigration is the big hurdles for indians to move forward in the USA

@TheGeethadevi1 Год назад

Useful tips 😊

@savithrisubramanian4509 Год назад

Interesting (as always) .. beyond this .. really entertaining.. looking back little scary as to how the cost has moved/moving up!!

@ArthiPrem Год назад

Thanks for your comments 🙏🙏

@indhumathyr3111 Год назад

Hi prem u missed the monthly amount we used to send to our parents in India and also home insurance EMI in india

@sudhaharv Год назад

I agree. Everythings that you mentoned are correct Prem Arthi.

@ArthiPrem Год назад

Thanks sudhakar bro 🙏

@devidamodaran9690 Год назад

Hi bro, talk about Jan 2023 visa bulletin and predictions when EB1 will be back in current.

@ganeshayer9770 Год назад

I have a a very modest home in a suburb that is 30 miles west of Chicago. Even without including the mortgage, the annual expenses are over $30,000. $16,000 in taxes, close to $6,000 in utilties ( I am not kidding - my electric + gas + water + Intenet runs about $500/month average), $2,400 in home insurance + American Home Warranty, $1,400 in HoA, $1,000 for pest control + RPZ cert + Lawn care. Cost of living in the US is increasing at a rapid pace.

@ArthiPrem Год назад

Hi bro Yes everything is very costly due to inflation Home maintenance is horrible now ☹️☹️

@venkattamil4195 Год назад

You live in Chicago and may be property price is high. Let us know the percentage of tax against purchase price of the property. That will be the best method. For example, in my place it varies between 1.75% to 2.5%. Whereas in NYC one city charges around 5% as taxes.

@aru4912 Год назад

Best thing I like with your channel is how humble you guys are and how receptive you are to correct your mistakes from previous analysis. God bless and keep going

@ArthiPrem Год назад

Thank you so much for your motivating words 🙏🙏

@ramakrishnanrajagopalan1241 Год назад

Nicely covered various aspects. Salary 120000 is too less to buy individual home. May be condo z better

@ArthiPrem Год назад

Agreed… 👍👍

@fathimabibi708 Год назад

Very useful video 👍👌

@ArthiPrem Год назад

Thanks 🙏

@KarthikeyanRamaswami Год назад

Bro !!! You missed to mention about PMI insurance for putting down payment

@ArthiPrem Год назад

Yeah …. Good point PMI is around 100$ per month 😐😐😐 should mention

@SaiRam-lj1fs Год назад

Thanks 😊

@nh3652 Год назад

well said.

@pooranimoorthy2824 Год назад

Very useful video

@ArthiPrem Год назад

Thanks sister

@rajeshprabhu.r Год назад

Start adding sub titles in English for your videos. So that My non Tamil friends can understand it. 🙏🏼

@sab13224 Год назад

Nice info bro, we also will spend on kid's classes like kumon, art, martial art etc., we should be adding that also

@ArthiPrem Год назад

Yeah agreed bro 👍👍 Thanks

@sundaresanm9854 Год назад

Fresh ah tourist visa apply pandravanga 2 years wait pannanuma bro interview ku?

@praveenr8513 Год назад

Bro, Been seeing your videos and you are doing a good job. I think salary part is misleading for the person to go into negative. They may also get bonus of 5-10% every year which can be used for property tax payment. Can you share the excel ? I feel few things could be changed to have some savings. Can’t believe anyone would go into negative living in US.

@ArthiPrem Год назад

Hi bro Its just the assumption for the salary 100k for purchasing the home Yes noone can live with the negative savings in the usa

@M.gotmotion Год назад

Bro we need video of a possible net worth of an Indian in USA by 40, 45,50,55 ages. Like how many crores ,they would have made by 40, 45,50,55 ages.

@ArthiPrem Год назад

Sure bro 🙌🙌

@priyadarshinichennai3363 Год назад

brother prem i like the way u siad about ur shirt it's a true reality even me and my husband dont buy branded dress

@ArthiPrem Год назад

Thanks sister for your comments

@creative-freedom Год назад

Nice video. Bro, if possible can you share the excel ?

@ArthiPrem Год назад

Sure arun bro 👍

@ramscoolworld Год назад

Good 👍

@ArthiPrem Год назад

Thanks 🙏

@jksugu Год назад

What if someone have to pay EMI for India house!!??

@arunprasadparamanandam615 Год назад

Include family Mobile service expenses also

@ganeshayer9770 Год назад

You walk into any Restaurant in Chennai. Whoever spends more time with the menu card is most likely to be a NRI. Observe it next time you are there.

@ArthiPrem Год назад

I agreed bro Even we did the same 😄😄

@dvenkat69 Год назад

In the US, both husband, and wife have to work. That's how the system is designed. If only one person is earning in the US you will not be able to save much and it is too much stress during tough times. It will be even worse if you have too many commitments. Also, if you are single earning family then you should not buy homes in the peak and timing is very important,

@shams4489 Год назад

Well said Prem...America is a Land of opportunities!! If we think out of box and start a business or become an Entrepreneur, you can make lots of money here... Plus there is NO caste,creed, religion discrimination here...Every Human is Equal here!! Freedom!! Freedom...for everything! Next generation of Indian origin can be become President of this beautiful country...look at Kamala Harris, she become VP !! Indian origin from our Tamil nadu state..isn't Great 👍 👌 😀 So, we are in greatest country in the Planet!! Indians ,specifically from other states like AP,Telengana, Punjab, Gujarat are having more Entrepreneurs, we the people from Great Tamil nadu must become Entrepreneur as well...lots new start up are from our Tamil nadu state in the bay areas...we must have more people to come as Entrepreneurs!! Nice video as usual...You Guys are doing great contributions to our Tamil community 👍 keep Rocking 👍 😀 👌 Here we must have a second job or some other side incomes to live a successful life!! Yes ,We can do it!!

@RajaSekar-USA Год назад

In Bay Area it’s a different story. We need 300+ to be eligible to buy a home

@ArthiPrem Год назад

Yeah agreed Bay Area in a diff league

@anannara9521 Год назад

Health and Medical expenses after insurance coverage need to be included in the list.

@ArthiPrem Год назад

It’s included as a part of the HSA/FSA contribution

@RamyaR-em4td Год назад

Can please tell how much salary an entry level person will get in us

@LetsStartGrowing Год назад

And can you please suggest what will happen to my pf account if am going abroad by h1b from a service based company.

@ArthiPrem Год назад

Are you talking about the PF account from india?

@LetsStartGrowing Год назад

@@ArthiPrem yes Sir! I have active pf account from my current company. If my h1b is approved and if am going to US what will happen to my pf account here

@ArthiPrem Год назад

I agreed the above comment

@janarthanasp Год назад

Congratulations on new Mac Prem :) Thanksgiving Shopping pola :)

@ArthiPrem Год назад

Hi bro No its old mac only Thought buy the new mac but budget ila Next year paarthukalaam nu vitaachi 😊😊

@prakashdhanabal7349 Год назад

@@ArthiPrem Honesta irukkura intha manasu thaan sir kaduvul :)

@ArthiPrem Год назад

@@prakashdhanabal7349 thank you so much 🙏🙏

@sun-um4zm Год назад

Sariyaana offer na, enna salary range for software engineers in usa?

@ArthiPrem Год назад

What i meant sariyana offer is if the family needs 120000 per year to for the expenses and savings, find the job for the price Say you cant own the house for the salary 100000 with the 3 or 4 persons family

@manjukumarks Год назад

Bro I just got the ticket from cops for speeding up to 45 mph instead of 35 mph in TX. Cop asked me to call up the court and pay the fine. Will there be any problem for me in future?

@ArthiPrem Год назад

No bro Just pay the fine on time Speeding tickets points will be added to the license and it will increase the insurance cost at some time thats it

@manjukumarks Год назад

@@ArthiPrem Thank you bro!

@manjukumarks Год назад

BTW, this video was really enlightening! Thank you for that! I just got some clear picture on how to take a calculative risks in the USA

@ArthiPrem Год назад

Thank u bro 🙏

@singu31 Год назад

If this is your first traffic ticket you can go to the court and check for defensive driving course option. You still will pay a reduced fine and have to take the online course. But once you complete the course within 60days or so and submit proof you will not have any points on your license. But you should not get any new ticket also for another 1 year to avoid points. This will help to not increase your auto insurance as there will be no record of the ticket when u take the course.