{"id":35811,"date":"2025-06-21T07:05:19","date_gmt":"2025-06-21T07:05:19","guid":{"rendered":"https:\/\/manikarthik.com\/blog\/?page_id=35811"},"modified":"2025-06-21T11:09:56","modified_gmt":"2025-06-21T11:09:56","slug":"start-here","status":"publish","type":"page","link":"https:\/\/manikarthik.com\/blog\/start-here\/","title":{"rendered":"Start Here"},"content":{"rendered":"\n<p>I\u2019m Mani Karthik &#8211; an ex-NRI who moved back to India after 10+ years in the US, carrying three bags and about a million questions.<\/p>\n\n\n\n<p>You probably have a few yourself.<\/p>\n\n\n\n<p>Like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cShould I close my NRE account?\u201d<\/li>\n\n\n\n<li>\u201cWhat\u2019s RNOR and why is everyone suddenly obsessed with it?\u201d<\/li>\n\n\n\n<li>\u201cDo I need to start from scratch with my credit history?\u201d<\/li>\n\n\n\n<li>\u201cWill I survive Indian traffic?\u201d \ud83d\ude05<\/li>\n<\/ul>\n\n\n\n<p>Trust me.<br>I\u2019ve been there.<br>This blog is where I write about everything I learned (usually the hard way).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who This Blog Is For<\/h2>\n\n\n\n<p>\u2705 NRIs thinking about moving back to India.<br>\u2705 Folks who just landed and are trying to figure things out.<br>\u2705 Anyone who&#8217;s googled \u201cbest credit card after returning to India.\u201d<br>\u2705 Curious souls wondering if life in India is <em>actually<\/em> better.<br>\u2705 Dreamers building something from scratch in the homeland.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">What You&#8217;ll Find Here<\/h3>\n\n\n\n<p>\ud83e\ude99 <strong>Finance &amp; Credit Tips<\/strong><br>How to manage your NRE\/NRO accounts, apply for credit cards, build a CIBIL score, and save money smartly.<\/p>\n\n\n\n<p>\ud83c\udfe1 <strong>Life Hacks for Returning NRIs<\/strong><br>Step-by-step guides on getting a driving license, choosing a city to live in, or where to buy a sim card without crying.<\/p>\n\n\n\n<p>\ud83d\udcc4 <strong>RNOR &amp; Tax Confusion Solved<\/strong><br>Explained like you\u2019re five. What it is, why it matters, and how to get the most out of your tax breaks.<\/p>\n\n\n\n<p>\ud83d\udecd\ufe0f <strong>Moving Back &amp; Shopping Lists<\/strong><br>What to bring from the US. What not to. What you\u2019ll miss. And what you\u2019ll never miss (hello, tipping).<\/p>\n\n\n\n<p>\ud83d\udcbb <strong>Online Income &amp; Side Hustles<\/strong><br>You came back to find purpose. Why not build something meaningful too? I\u2019ll show you how I did it \u2014 step by step.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">New Here? Start With These \ud83d\udc47<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udc49 <a href=\"https:\/\/manikarthik.com\/blog\/rnors-tax-on-foreign-income-png\/nri-return-to-india\/\">Returning NRI? Here\u2019s your RNOR checklist<\/a><\/li>\n\n\n\n<li>\ud83d\udc49 <a href=\"https:\/\/manikarthik.com\/blog\/credit-cards-for-nris\/\">Best Credit Cards for Returnees in India<\/a><\/li>\n\n\n\n<li>\ud83d\udc49 <a href=\"https:\/\/manikarthik.com\/blog\/how-to-improve-cibil-score\/\">How to Build Your Credit Score in India from Zero<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">My Goal?<\/h3>\n\n\n\n<p>To help you make smarter decisions.<br>To skip the mistakes I made.<br>And maybe\u2026 fall in love with India again.<\/p>\n\n\n\n<p>So feel free to dig around.<br>Drop a comment.<br>Or just say hi.<\/p>\n\n\n\n<p>Welcome home. \ud83d\ude4f<br>&#8211; <strong>Mani<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I\u2019m Mani Karthik &#8211; an ex-NRI who moved back to India after 10+ years in the US, carrying three bags and about a million questions&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":34718,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-35811","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/pages\/35811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/comments?post=35811"}],"version-history":[{"count":2,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/pages\/35811\/revisions"}],"predecessor-version":[{"id":35815,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/pages\/35811\/revisions\/35815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media\/34718"}],"wp:attachment":[{"href":"https:\/\/manikarthik.com\/blog\/wp-json\/wp\/v2\/media?parent=35811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}