Author Topic: Moving from India to Irvine, California, have these questions  (Read 23216 times)

aparna.ck.1

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Moving from India to Irvine, California, have these questions
« on: October 22, 2014, 10:51:21 AM »
Me and my husband are moving to California in Nov mid. Plan is to stay for 5 yrs and return.
His office will be in Red hill ave, Tustin. I have to find a job soon.
His on hand income is in the range 80 to 90k per year. We have a kid.
We have estimated our monthly expenses to be around 4.2k, considering
1750$ for home rent and 600$ for part time playschool. All other expenses are small ones adding up. Health insurance is given by company over and above the salary.

1.To start with, we need a furnished apartment, as we are making a shift and tough to do everything by ourselves. However, is it possible to get furnished house for lesser rent-1k-within half an hr distance from red hill ave, tustin? We are ok with one bed room house, until we have two incomes.

2.Company matches 401k upto 4%. We want to max it out. Considering this, how much will be his take home per month? There is this social security deduction as well right, which will be deducted before deducting the tax? Would be good if anyone can give me numbers assuming 85k salary. I did it from a tax calculator site, after deducting 4% and 7.65% and got take home as just about 5k per month. Is that right?

3. Any suggestions that anyone can give.

mxt0133

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Re: Moving from India to Irvine, California, have these questions
« Reply #1 on: October 22, 2014, 11:03:20 AM »
Here is a good site that can help estimate your net pay after taxes and deductions such as 401k.

http://www.paycheckcity.com/calculator/salary/

I'm coming up with $2600 bi-monthly which is $5200, although you might have other deductions that you might not be aware of.  Also check if you husbands employer has pre-tax childcare benefits, basically you can contribute pre-tax dollars for child-care spending, which is usually limited around 5K.

http://www.fool.com/personal-finance/taxes/2007/02/13/let-the-irs-pay-for-day-care.aspx

surfhb

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Re: Moving from India to Irvine, California, have these questions
« Reply #2 on: October 22, 2014, 11:05:24 AM »
I grew up in Tustin

It will be hard to find a furnished apt but you might try Craigslist.

Also, Irvine is an expensive area....you might think of a cheaper area like Orange.   $1700 a month will get you a small 1bd apt in Irvine.  I live in Huntington Beach and pay $1500 for a 2 bedroom.

Could you move into one of those extended stay hotels till you get settled for a month?   There are plenty in that area since many people travel to OC for business

I would seriously consider this.   Have you ever been here?    It might cost you a little more and it will be stressful at first.....you'll need time to get settled and find a place you like to live.   

There's also a very large Indian Community in Norwalk (about 15 miles from Tustin)...I would call their chamber of commerce to see if they could possibly get you in touch with a community help service.   I'm sure there is someone you can get help from in finding a place
« Last Edit: October 22, 2014, 11:23:39 AM by surfhb »

Mother Fussbudget

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Re: Moving from India to Irvine, California, have these questions
« Reply #3 on: October 22, 2014, 05:20:31 PM »
Happy Diwali! 
+1 rent a hotel room by-the-week for the first week(s), and look for a more permanent place once you're in the area.
+1 search Craigslist for rentals and as a rental price guide - where the 'real' rental prices are listed.
Get a feel for the neighborhood you want to live in - ask co-workers, other friends already in CA.  Good luck!

DarinC

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Re: Moving from India to Irvine, California, have these questions
« Reply #4 on: October 22, 2014, 05:52:43 PM »
The flat taxes you'll need to pay are 7.65% for social security/medicare and 1% for state disability. In your situation I'm guessing your family will have ~$20k in deductions, which will put your adjusted gross income at ~$65k, so you'll also need to pay ~14+% in federal income taxes and another ~4+% in state income taxes. You can just toss this all in a spreadsheet and fiddle with your 401k contributions if you want to optimize your savings. The more you contribute to your 401k, the less you'll pay in taxes (as a percentage of income).

Rent can be expensive, but at least you aren't in Irvine. Orange, Tustin, and Santa Ana have halfway decent rents, for OC at least... Some of the Korean grocery stores in the area have fairly inexpensive produce, and OCTA is just ok (not as good as most major metro areas).

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #5 on: October 22, 2014, 08:10:14 PM »
Thanks everyone for such detailed information :) This was my first query in the forum and I am so happy with all the replies! Thanks for the Diwali wishes MotherFussbudget. Wish you the same too..special thanks for surfhb for offer to find out about Indian community.
There is another info I had forgotten to add. Company provides hotel stay for a week.
I promise to make use of all the info here well. Thanks again!

mjs111

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Re: Moving from India to Irvine, California, have these questions
« Reply #6 on: October 22, 2014, 08:26:56 PM »
Hi, aparna!

I live in Irvine.

The Irvine Company (this company owns most all of the apartment complexes in Irvine along with much of the land) leases out some fully-furnished apartments.  The company I work for uses them for temporary housing for new hires.  I think you might be able to swing a fully-furnished one bedroom apartment somewhere near that $1750 price range.  The Park and The Village offer fully-furnished apartments.  You could try starting with them, see what they have, and then ask their advice if there are other furnished apartments within the Irvine Company universe.  I could see fully-furnished apartment probably being a bit more than $1750 since unfurnished one bedrooms go for about $1600-$1700 in the area.

The Park:
http://www.irvinecompanyapartments.com/communities/the-park-at-irvine-spectrum-center/

The Village:
http://www.irvinecompanyapartments.com/communities/the-village-at-irvine-spectrum-center

You'll notice that those are separate links but the parent website is the same.  Browse around it for other apartment complexes.  The two above are about 7 miles from Red Hill Avenue.  There are ones closer by as well.

Of the local areas, Irvine is the most expensive.  Tustin, Lake Forest, and Costa Mesa will be a bit cheaper, not by a whole lot though.

While I'm a frugal guy, I will pay a premium to avoid SoCal traffic.  I would definitely think twice about living more than 15 miles away from work for your first year here.  You don't want that hassle.


Mike


aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #7 on: October 22, 2014, 08:29:15 PM »
When normally in U.S you say unfurnished, does it still include basic things like dish washer, fridge, washing machine? If that's the case, we are just fine with unfurnished.

surfhb

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Re: Moving from India to Irvine, California, have these questions
« Reply #8 on: October 22, 2014, 08:33:46 PM »
When normally in U.S you say unfurnished, does it still include basic things like dish washer, fridge, washing machine? If that's the case, we are just fine with unfurnished.

Yes.....Unfurnished means no tables, chairs, beds, couches, ect.     Most every place you rent will have those amenities

highcountry

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Re: Moving from India to Irvine, California, have these questions
« Reply #9 on: October 22, 2014, 08:44:41 PM »
I have never seen a rental that does not have a fridge. The dishwasher and washing machine are less standard though. Most apartment complexes will have a coin operated laundry room on site, and dishwashers will be provided in some apartments, depending on the price point. They are rare in my experience, but this may be regional, and I am not familiar with Orange County.

Spondulix

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Re: Moving from India to Irvine, California, have these questions
« Reply #10 on: October 22, 2014, 09:07:04 PM »
I never had a fridge included with a rental - it's definitely a regional thing. But they are cheap on Craigslist.

Check out AirBnB and VRBO also. Something changed (not sure if it was a law or what) that requires stays to be 30 days or longer - I noticed that recently when looking for a couple nights in OC. So, there might be people lowering their monthly rates cause they need the cash. Plus, I would recommend that over Craigslist cause if something doesn't work out, the company behind it is there to help you out. I know a number of people who have subletted apartments only to be kicked out (cause the rental was illegally subletting).

There's also Westside Rentals, which is a paid service/website, but I would recommend as a last resort.

It really is worth doing a short term rental to get a feel for the areas for safety (especially with a child) and traffic patterns - even if it costs a bit more. I read recently the average two bedroom apartment in LA county is around $2200/month, just to give an idea. I'm in the northern part of LA, but the neighborhoods can vary drastically even a few blocks apart.

Spondulix

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Re: Moving from India to Irvine, California, have these questions
« Reply #11 on: October 22, 2014, 11:14:06 PM »
Also (re: take home/401k) is there an HR person at the company you can email? They might be able to give you an exact breakdown of the take home pay before he starts. Plus, they might have ideas/suggestions for housing, or maybe even someone at the company has a place.

My paycheck always has higher taxes than what I have seen on those calculate websites. Check out this site - http://www.taxes.ca.gov/Income_Tax/paycheckind.shtml

That's a good description of the 5 types of taxes that will be taken out (in addition to 401k withdrawals, which will be pre-tax).

mjs111

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Re: Moving from India to Irvine, California, have these questions
« Reply #12 on: October 22, 2014, 11:16:44 PM »
There's a very rich Indian immigrant/expat community in Irvine, by the way.  I'm just as apt to see a cricket game being played in one of the many area parks as I am to see a softball game.  I have a good friend who's Indian who recently moved here for work. He just went to a huge local Diwali festival.

Yep, like the others said: "furnished apartment" in the US means fully furnished: bed, sofa, chairs, maybe even TV, so it would be similar to checking into a hotel.  If you're looking for a place that just has a fridge, dishwasher, and stove virtually all rentals will have that, though it never hurts to double check. The occasional place will come without a fridge. It's rare though.

Mike


mjs111

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Re: Moving from India to Irvine, California, have these questions
« Reply #13 on: October 22, 2014, 11:21:47 PM »
Actually washing machines you'll want to double check.  Fridge and stove, almost always yes.  An in-apartment washer and dryer is a bit more of a luxury, especially for one or two bedroom apartments.  Around Irvine laundry facilities come in three versions:

1.  No on-site laundry at all:  you'll have to go to a laundromat to wash you clothes.

2.  On-site laundry but group facilities.  You won't have to drive to do your laundry but you may occasionally have to wait your turn for a machine to free up.

3.  In-unit/in-apartment facilities: nicest of all:  washer and dryer of your own, no waiting.


Mike

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #14 on: October 23, 2014, 11:08:12 AM »
Thanks again all. Yes, we are checking with HR on take home. Nice to know the definition of unfurnished.
@ Mike, I just hope I get to see some Indians there, not for me. My baby needs some to start with, she is 2 yr old and very social, I am afraid she will miss our type of setup for sometime, although I am sure she will learn English fast and start liking everyone there once she joins school. Hence I want to admit her to part time playschool first and then full time, once I too get job. We can only afford so much with one income. If any of you know any good daycares, where they serve vegetarian food also, will be good. Budget is 600-700$ for half day and 1200$ for full day.

highcountry

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Re: Moving from India to Irvine, California, have these questions
« Reply #15 on: October 23, 2014, 11:23:28 AM »
Will you be able to get work? I know next to nothing about this, but remember reading in the newspaper a couple years ago that the wives of Indian software engineers are often completely unable to work in the states, as unless they had very specific skills they were unable to get the necessary documents. I hope this is not the case for you.

surfhb

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Re: Moving from India to Irvine, California, have these questions
« Reply #16 on: October 23, 2014, 11:26:37 AM »
Here you go: 

http://www.laindian.com/desi/indian-community-desi.asp?city=Irvine

It's the site dedicated to the Indian community in the LA area.   This is a good place to ask questions :)

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #17 on: October 24, 2014, 09:35:18 AM »
@ learning, yes, I have all the relevant document and visa which permits me to work.
@ surfhb, thanks for that link. Will be useful.
Can anyone with a baby/kid give me an idea about the preschool and daycare charges there? I prefer general places to specifically Indian places, as I would like her to mingle. I was thinking that I can admit her to preschool next June- July, as she is just 2 now. So, is it a good idea to focus my search on daycares?
Lots of clarity on too many things because of this forum, just in 2-3 days! Thanks a ton!

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #18 on: October 24, 2014, 09:37:03 AM »
Sorry Spartana, missed your reply before posting mine above. Clarifying again, I am not looking for Indian daycares. Thanks for the link. Will check

sunnyca

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Re: Moving from India to Irvine, California, have these questions
« Reply #19 on: October 26, 2014, 10:47:56 PM »
Hi Aparna!

I live in Irvine, as well.  Another option is to rent a one-bedroom condo.  I own my condo, but there are sometimes one-bedrooms available here for rent by owners, which have refrigerators, dishwashers, and washer/dryers inside.  I can check to see what some of my neighbors are paying for rent- I think it's around $1500-1700, but I'm not 100% sure. 

I agree with Mike- there is a large Indian community here, and people are very friendly. I don't have children so I don't know the cost of daycares around here, but I know that it can be quite expensive.  I can ask around with some of my coworkers that have children, they will know. 

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #20 on: October 27, 2014, 08:56:34 PM »
Hi Sunnyca, thank you very much. Yes, we checked a few apartments online and decided to go for one bedroom flats. It is not clear if they have these basic electronic items. Three we have shortlisted in Tustin are Avalon apartments, Eaves tustin, and Castillan Cardova apartment. Tustin is cheaper than Irvine, so the rentals are around 1.3k to 1.4k in these. Within 3-4 miles from these we found a few daycares as well. The Learning Village, Adventures in Learning, Kiddie academy and New port ave preschool. They were kind enough to reply with their charges, and it works out to be within 700$ for half day and within 1000$ for full day. We just need to come there and decide now :)
Inputs from this community have been of immense help. Nice to be a part of MMM.

sunnyca

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Re: Moving from India to Irvine, California, have these questions
« Reply #21 on: October 28, 2014, 03:25:21 PM »
It looks like the Eaves has all of the amenities you're looking for.  I'm not too sure about the other ones. 

Glad you're part of the MMM community! :)

HairyUpperLip

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Re: Moving from India to Irvine, California, have these questions
« Reply #22 on: October 29, 2014, 10:15:18 AM »
Thanks again all. Yes, we are checking with HR on take home. Nice to know the definition of unfurnished.
@ Mike, I just hope I get to see some Indians there, not for me. My baby needs some to start with, she is 2 yr old and very social, I am afraid she will miss our type of setup for sometime, although I am sure she will learn English fast and start liking everyone there once she joins school. Hence I want to admit her to part time playschool first and then full time, once I too get job. We can only afford so much with one income. If any of you know any good daycares, where they serve vegetarian food also, will be good. Budget is 600-700$ for half day and 1200$ for full day.

Hello Aparna - welcome to MMM and good luck in America.

I'm also Indian, born in Canada, parents from Punjab.

I just came back from visiting the area you are moving too. I did not see an excessive number of Indians - not like the way you do in NYC or New Jersey. I did go to a local Gurdwara for Diwali celebrations and there was definitely a lot of Punjab people in the area. California is big so people can easily be spread out.

What part of India are you from?

You can usually find the right apartments with enough research. I would ask if the company can do 2 weeks in a hotel and then look for a place when you guys actually arrive. You will want to make sure you actually like the place and location. :)

Also, have no fears about getting desi food. There is plenty of grocery stores and shops in Southern California that you can get dahls and atta or anything else you will need.

Take care and best of luck. :)

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #23 on: December 08, 2014, 12:02:56 AM »
Hi @HairyUpperLip,
Not too sure if you would see this..does this work like Facebook tagging? Sorry, as I was too busy with moving, haven't visited for a while and hence didn't see your reply.
Glad to read your reply. We found a one bedroom apartment with all the electric appliances, and an additional room called den, near Tustin market place, Irvine. It is an Irvinecompany apartment, we liked the way they have built them. We didn't find it much difficult to settle here, we were in company provided hotel for a week and by then we had found this.
Visited Artesia market, it is good. Had some good desi food in tustin as well. Keep in touch..
Thank you
Aparna

sunnyca

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Re: Moving from India to Irvine, California, have these questions
« Reply #24 on: December 08, 2014, 12:25:48 AM »
Welcome to Tustin!

If you live near the Marketplace, you're actually very close to where I live.  I hope you're enjoying Tustin so far.

An excellent Indian restaurant I've been to recently in Tustin is called Rasoi Curry Point- they have excellent thali plates and a la carte menus.  Might be worth checking out.

HairyUpperLip

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Re: Moving from India to Irvine, California, have these questions
« Reply #25 on: December 08, 2014, 07:52:18 AM »
Hi @HairyUpperLip,
Not too sure if you would see this..does this work like Facebook tagging? Sorry, as I was too busy with moving, haven't visited for a while and hence didn't see your reply.
Glad to read your reply. We found a one bedroom apartment with all the electric appliances, and an additional room called den, near Tustin market place, Irvine. It is an Irvinecompany apartment, we liked the way they have built them. We didn't find it much difficult to settle here, we were in company provided hotel for a week and by then we had found this.
Visited Artesia market, it is good. Had some good desi food in tustin as well. Keep in touch..
Thank you
Aparna

Welcome to America. :)

I hope you guys are enjoying and adjusting well to the situation. Don't hesitate to post up any questions - even if not completely related to finances - many of the users on this forum are friendly and can help with answering any questions you may have about American life or ways.

Glad you already found some proper desi khanna. :)

aparna.ck.1

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Re: Moving from India to Irvine, California, have these questions
« Reply #26 on: December 21, 2014, 02:09:28 PM »
Wow..Sunnyca, I visited the rasoi curry point website. Will try it out one of these days when I feel lazy to cook. It serves home made paneer, and paneer is my favorite. Nice to know you live nearby.
Thanks HairyUpperLip, for warm welcome.
I am impressed with the kind of order that exists here. Good system. Done with my SSN, applied for EAD. Will start applying for Communications VLSI jobs once I get EAD. If anyone in the forum who is into this domain can help me with companies around, it will be great. I already shortlisted some, Broadcom, ClariPhy Communications, Entropic, Solarflare Communications. Last three are near irvine center drive, guess that stretch has lot of companies.
What's the best way to transfer money to India? Is it still western union? But they offer cash pickup at receiving end..guess that's not recommended. I would prefer account to account. Isn't cash transaction a bit unethical? US has restrictions on tax free gifts right? One can gift upto 14k a year to anyone in the world. But if we transfer through western union, how do they track it?
Lot of queries in one post!
Nice to interact here!

MayDay

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Re: Moving from India to Irvine, California, have these questions
« Reply #27 on: December 22, 2014, 09:57:05 AM »
Have you started looking for preschool/daycare yet?  Usually in the US, preschool starts at age 3, and they must be toilet trained (not wearing diapers).  Before that age is usually called daycare.  If you work, you would want daycare anyway, as preschool hours are not full day- more like 9 am to 3 pm.  At age 3 and up the daycare will have a school curriculum, teaching letters, numbers, colors, shapes, etc.  Typical daycare hours might be 6am to 6 pm, though, allowing for a full working day.  Most parents do not leave their kids for a full 12 hours, but that schedule accommodates those who start work early or leave late. 

You should also call the school district that you live in and ask what options they have.  Some school districts have 3-4 year old programs that are full day, that you typically pay for but may be free for low incomes families.  These often have the advantage of school bussing.  My daughter has attended a program like this since age 3.  For full day, the bus picks her up at 8:15 and drops her off at 3:30.  The advantage of school district programs is that they are often cheaper, and they often have better educated teachers.  We pay 400$ vs. about 800$ for a daycare center in our town.

In the mean time, find your local library and ask if they have story time.  Most libraries have this on weekday mornings, and all the neighborhood stay at home mothers and fathers and nannies will arrive for an hour of stories, songs, and crafts.  It is a great place to expose your child to English, and meet neighborhood parents and kids.  If you tell the other parents you are new and need help finding schools and children's activities, they will probably be happy to offer advice and opinions. 

johnbekham

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Re: Moving from India to Irvine, California, have these questions
« Reply #28 on: February 04, 2015, 02:19:52 AM »
Hey aparna thanks for informing about the  rasoi curry ,  i hope I'll visit there very soon..

rpr

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Re: Moving from India to Irvine, California, have these questions
« Reply #29 on: February 04, 2015, 02:41:09 AM »


What's the best way to transfer money to India? Is it still western union? But they offer cash pickup at receiving end..guess that's not recommended. I would prefer account to account. Isn't cash transaction a bit unethical? US has restrictions on tax free gifts right? One can gift upto 14k a year to anyone in the world. But if we transfer through western union, how do they track it?
Lot of queries in one post!
Nice to interact here!
I just saw this. I use money2india from icici bank. Works great on transfers. Usually credit to account in India happens in less than 5 business days, sometimes even faster. Also the fees are low as well. The one thing that I'm a little wary about is that they require access to your checking account in order to pull funds for transfer. So far no problems over the last three years.


Sent from my iPhone using Tapatalk

sunnyca

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Re: Moving from India to Irvine, California, have these questions
« Reply #30 on: February 04, 2015, 04:06:01 PM »
An excellent Indian restaurant I've been to recently in Tustin is called Rasoi Curry Point- they have excellent thali plates and a la carte menus.  Might be worth checking out.

Future potential meetup? mmmm...

I'd be all for it- it's one of my favorite Indian restaurants EVER.  They're going to be featured on TV next week, so expect a jump in popularity after that.