NET TOTAL COSTS for all scenarios:

1) Living in India @ minimal cost: ~10k/yr

2) Living in India @ US-level lifestyle: ~$30k/yr

3) Living in USA @ minimal cost: ~$35k/yr

4) Living in USA @ world-class: ~$90k/yr 4) Living in USA @ billionaire level: TBD

Here's a breakdown on the true cost of living in US vs INDIA based on your employment phase and lifestyle:


A) Healthcare Cost: 1k-20k/yr


    1) IF RETIRED in USA or choosing normal-quality government care in INDIA: $1-2k/yr

    2) IF Not RETIRED in USA or choosing high-quality private care in INDIA: $10k/yr

        Insurance ~$300 per month (rest is paid by employer in US)

        Deductible up to $8000 per year


    3) IF you chose Early RETIREMENT or Out of network care IN USA: $20k/yr

        Insurance: $1000 per month (all paid by you)

        Deductible: ~$8,000 per year




B) Car Cost: 1k-14k/yr


    1) Employed = Not RETIRED cost ONLY for USA

        Total cool car cost per year, $14k/yr

        Fuel/charging $100 per month minimum,

        Insurance $300 per month median,

        Car loan for new car cost $700 per month,

        Car registration, maintenance, collision deductible, $100 per month


    2) RETIRED in USA or working in INDIA cost:

        Total cheap car cost per year, $5k/yr

        Fuel/Charging $50 per month median,

        Insurance $50 per month median,

        Used Car low interest loan $250 per month,

        Car registration, maintenance, collision deductible, $50 per month



    3) RETIRED in INDIA or no car ownership cost:

        Uber/taxi cost: ~$100/month?




C) HOUSING: 2k-38k/yr


    1) Not RETIRED in US; working in expensive city

        Total cool city apartment per year, $38k/yr

        Rent 2bed 2bath: $3000/month (bay area)

        Electricity + insurance $200 per month


    2) US RETIRED or Rented apartment in Major city of INDIA

        Total cheap apartment cost per year, $10k/yr

        Rent 2bed 2bath: $650/month (toledo, ohio, etc)

        Electricity $100 per month minimum,

        Insurance $15 per month median,

        All other housing cost $35 per month

    2) INDIA: RETIRED or live at parents home

        Rent: FREE

        Electricity $100 per month minimum,

        Insurance $15 per month median,

        All other housing cost $35 per month





D) FOOD/EATING: 1k-8k/yr


    1) Food cost USA: 8k/yr fixed

        Groceries: $500/m

        Junk food: $100-200/m

        Costco: $65/yr

        Instacart: $85/yr


    2) Food cost INDIA: 1k/yr fixed

        Groceries: $100/m

        Junk food: $100/m

        Bigbasket: $6/yr




E) SCHOOLING & CHILDCARE: 5k-15k/yr


    1) US: Private school: 10k fee/yr         Childcare/Afterschool activities: $400/m


    2) US: NO schooling fee for public school = FREE

        Childcare/Afterschool activities: $400/m


    3) India: schooling $200/m

        Childcare/Afterschool activities: $200/m

There are 2 distinct approaches to knowledge, each one corresponding to a different intellectual tendency, and each one corresponding to a different branch of academe.
The problem of which approach to use is most sharply felt in the social sciences.


Nomothetic (Objective=Generic)
  1. Based on what Kant described as a tendency to generalize and is typical for the natural sciences
  2. Certain general properties or behaviour according to general rules rather than specific properties.
  3. Describes the effort to derive laws that explain types or categoriesof objective phenomena, in general.
  4. Describes the study of classes or cohorts of individuals. 
  5. The subject is seen as an exemplar of a population and their corresponding personality traits and behaviors.
  6. In sociology, this model tries to find independent variables that account for the variations in a given phenomenon. (e.g. What is the relationship between timing/frequency of childbirth and education). 
  7. Explanations are probabilistic and usually incomplete.

Idiographic (Subjective=Unique)
  1. Based on what Kant described as a tendency to specify and is typical for the humanities
  2. Describes the effort to understand the meaning of contingent, unique, and often cultural or subjective phenomena.
  3. In psychology, it describes the study of the individual, who is seen as a unique agent with a unique life history, with properties setting him/her apart from other individuals (see idiographic image). 
  4. A common method to study these unique characteristics is an (auto)biography, i.e. a narrative that recounts the unique sequence of events that made the person who she is.
  5. In sociology, this model focuses on a complete, in-depth understanding of a single case (e.g. Why do I not have any children).


Reference -

https://en.wikipedia.org/wiki/Nomothetic_and_idiographic

Here are all the factors to consider when you want to build the best SW/HW product:


Software Specific Factors:

  1. Idle non-operational time/cost
  2. Safety
  3. Low energy use
  4. Consumer friendly/facing
  5. Elegant / classy
  6. Upgradable / improvable
  7. Cost effective
  8. Simple to build/repair/use
  9. Minimal steps for daily use
  10. Sustainable long term
  11. Deployable to customers
  12. Faster/better/cheaper than competitors
  13. Growing Large scale application
  14. Kid friendly/safe
  15. Disabled friendly/accommodating
  16. Scalable growth
  17. Untapped market for all new technologies
  18. Life cycle
  19. Variables
  20. Competive pricing


Hardware Specific Factors:

  1. Low noise & heat (waste)
  2. Transport friendly
  3. Security features - camera, etc
  4. Extended lifespan
  5. Operating temp
  6. Refill ability for most failed parts
  7. Rugged External protection
  8. Environment-friendly

If a police officer attempts to apply probable cause or reasonable suspicion during a stop:

  1. Understand the Standards:

 • Reasonable suspicion - A lower threshold than probable cause, it allows police to stop and briefly detain individuals based on specific and articulable facts suggesting possible illegal activity (e.g., swerving while driving)

 • Probable cause - Used in criminal investigations, this standard requires a reasonable belief that a crime has been committed, requires stronger evidence and is needed for searches, arrests, or obtaining warrants.

 2. Asserting Your Rights:

 • Remain Silent: You have the right to remain silent beyond providing identification, vehicle registration, and proof of insurance

 • Record the interaction: You have the right to record/broadcast the interaction live as long as you do not hinder/stop/slow the officer in their tasks

 • Refuse a Search: If an officer asks to search your car, you can say, “I do not consent to a search.” However, they may proceed if they have probable cause, a warrant, or exigent circumstances (like visible contraband).

 • Ask if You’re Free to Leave: If you’re being detained, you can ask, “Am I free to go?” If they say no, you are being detained, and you can remain silent or ask for a lawyer.

 3. Handling Pretextual Stops:

 • Police can legally stop you for a minor traffic violation even if their real intent is to investigate another matter (Whren v. U.S.). However, their actions must remain related to the original stop unless they have new justification.

 4. Staying Respectful and Safe:

 • Always stay calm, keep your hands visible, and avoid sudden movements.

 • If you wish to challenge the stop, do so later in court—not at the scene.




If a police officer conducts a search under false pretenses or without a valid reason:

  1. It could lead to an unlawful search and seizure, violating constitutional rights.
  2. This may result in evidence found during the search being inadmissible in court, especially if the search was not based on probable cause or did not meet legal requirements, like the need for a search warrant in many situations.
  3. For example, if police search a property under the guise of investigating one matter but are actually looking for something unrelated or if consent was given under false pretenses, it could be challenged in court.
  4. However, in some cases, if the police acted in “good faith” and had a reasonable belief that their actions were lawful, the evidence could still be admissible.
  5. Courts may also consider whether the search was conducted under exigent circumstances (such as immediate threats to public safety).
  6. If the police find evidence in “plain view” during a legal interaction, they may seize it, even if they initially had another reason for the stop.
  7. It is possible for police officers to justify their actions in court, even if they have lied. There is a term used in law enforcement called “testilying,” referring to the act of officers giving false testimony under oath, especially to cover up misconduct.
  8. Judges and juries often tend to trust police officers, which can allow false claims to stand, especially when there is no contradictory evidence.
  9. Know that a judge and jury almost always have more reason to trust a representative of the law than a defendant.


In criminal cases, the burden of proof is “beyond a reasonable doubt.” This is a high standard, meaning that the prosecution must convince the judge or jury that there is no reasonable doubt about the defendant’s guilt. Criminal cases involve severe consequences like jail time, so the law requires stronger proof before convicting someone. If there is any reasonable uncertainty, the defendant cannot be convicted.


In civil cases, the standard is “preponderance of the evidence.” This means that the plaintiff must show that their claim is more likely true than not—essentially, that there is a greater than 50% chance their argument is correct. Civil cases mainly deal with disputes between individuals, often involving financial compensation rather than imprisonment. A person/entity proven "not guilty" of criminal charges can be proven guilty of civil charges.

  1. PROBLEM: Heterocyclic amines (HCAs) are compounds that can form when meat, particularly muscle meat, is cooked at high temperatures, such as grilling or frying. These substances are considered potential carcinogens and have been associated with an increased risk of cancer. SOLUTION: It's advisable to employ healthier cooking methods, like baking, boiling, or steaming, to minimize the formation of heterocyclic amines in food.

  2. PROBLEM: Diets consistently high in carnitine-containing foods (such as red meat) may enhance the likelihood of this metabolic pathway. When you consume (red) meat, bacteria in the gut can metabolize compounds like carnitine found in meat into trimethylamine (TMA). The liver then converts TMA into trimethylamine N-oxide (TMAO). Elevated TMAO levels have been associated with an increased risk of cardiovascular issues, including the potential for cholesterol to accumulate in artery walls. SOLUTION: Eat less/controlled red meat. The types and abundance of bacteria in the gut play a crucial role. Some bacteria, like certain strains of Clostridium, are known to metabolize carnitine into TMA. The relationship between TMAO and cardiovascular health is complex and may be influenced by various factors, including an individual's overall diet and health status.

 Following are the 25 most famous features offered by some credit cards in the US:

  • At least 2% Flat Cashback (upto 5% for categories)

  • Sign up Bonuses (~20% of total spend for 3-6months)

  • 24x7 premium customer care support

  • More professional/helpful customer care, less waiting time

  • Always+Instantly available credit/loan limit

  • Cash advance availability (but high interest/fee)

  • Upto 5% Airline / 10% hotel/car-rental cashback

  • Covers theft/damage for your car rental (not to other car/people)

  • Extended warranty coverage for hardware/equipment

  • Travel insurance for baggage/flight delay/loss

  • Full refund for TSA precheck / CLEAR / GlobalEntry

  • Free worldwide Lounge access for entire family

  • Balance transfer high interest balance to low/no interest cards

  • Rollover of high interest debt to hardship low interest loans

  • Increases credit score for future loan eligibility

  • No Foreign Transaction Fees – Saves 2-3% when spending abroad

  • Zero Liability Fraud Protection – You're not responsible for unauthorized transactions.

  • Purchase Protection – Covers stolen or damaged items bought with the card (usually for 90–120 days).

  • Lower Interest Promotions – Some cards offer 0% APR on purchases for an initial period.

  • Concierge Services – Helps with reservations, tickets, and trip planning.

  • Cell Phone Protection – Covers damage/theft if the bill is paid with the card.

  • Companion Passes & Free Checked Bags – Some airline cards allow a second passenger to fly free.

  • Buy Now, Pay Later Options – Some cards (like Amex Pay Over Time) allow splitting purchases into installments.

  • Roadside Assistance – Free or discounted towing, fuel delivery, and locksmith services.

 Here are the 30 broad categories the internet is currently used for:

  • Shop/Buy/spend

  • Get/provide funding

  • Sell products/services

  • Invest/Lend/Transfer funds

  • Watch/stream movies/TV/news/performances

  • Listen to podcasts/music

  • Download/install apps/softwares/games

  • Search/know/understand new/old info

  • Quantify/understand facts/data

  • Build/code/make apps/softwares/games

  • Collaborate/co-create

  • Process/convert files/media

  • Manage/store files/media

  • Create/edit/publish media

  • Automate tasks via IoT/AI

  • Play/stream games/experiences

  • Social/connect/community

  • Dating/meetup/friendship

  • Support/oppose causes/issues

  • Learn/educate oneself/others

  • Pay/receive bills/payments

  • Send/receive mail

  • Manage life/tasks

  • Find/post a job

  • Compete/participate

  • Manage loans/insurance/taxes

  • Get assistance (medical, legal, etc)

  • Book/manage appointments

  • Track/manage health

  • Track devices/people, etc

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