Cross-Border / NRI
Cost of Living: US vs. India, Beyond the Obvious
A $120K US salary and a ₹1 crore India salary aren't directly comparable without adjusting for housing, healthcare, and taxes by city. Here's the framework.
NRI Tax Filing Basics: Your Real US Tax Status
'NRI' is an Indian tax residency term, not a US one. Here's how the Substantial Presence Test decides your IRS status, FBAR, FATCA, and mutual fund rules.
How OCI/PIO Status Affects US Retirement Accounts
OCI status is an Indian immigration classification with zero bearing on your 401(k) or IRA. Your US citizenship/green card status is what actually matters.
Sending Money to India: The Cheapest Way to Remit
The real cost of a remittance is the exchange-rate spread, not the fee your bank quotes. Here's how to compare bank wires, fintech apps, and MTOs.
Keep Your US Bank Accounts After Returning to India?
What happens to your US checking, savings, and brokerage accounts once you move back — brokerage limits, FATCA disclosure, and the Black Money Act risk.
The Wheel Strategy Across a US-to-India Move
What happens to your open puts, covered calls, and cost basis records when you repatriate mid-strategy, and how NRA status changes option premium tax.