https://www.myduti.com/blog Financial insights, community savings guides, and practical money management for your savings circle. en-us Thu, 23 Jul 2026 20:45:47 GMT https://www.myduti.com/blog/what-is-a-rosca https://www.myduti.com/blog/what-is-a-rosca A ROSCA (Rotating Savings and Credit Association) lets groups pool money and take turns receiving the pot. Learn how ROSCAs work step by step, why millions use them, and how Duti brings this tradition online. Fri, 13 Mar 2026 00:00:00 GMT community-savings https://www.myduti.com/blog/balancing-american-himalayan-values https://www.myduti.com/blog/balancing-american-himalayan-values Navigate the tension between personal financial goals and family obligations while honoring both cultures Fri, 20 Feb 2026 00:00:00 GMT immigrant-finance https://www.myduti.com/blog/health-insurance-101-immigrants https://www.myduti.com/blog/health-insurance-101-immigrants Decode deductibles, copays, and coverage options – from employer plans to marketplace to Medicaid Mon, 26 Jan 2026 00:00:00 GMT taxes-insurance https://www.myduti.com/blog/buying-first-home-immigrant-guide https://www.myduti.com/blog/buying-first-home-immigrant-guide A complete guide to buying your first home in America as an immigrant. Learn about down payments, mortgage types, FHA loans, ITIN mortgages, and how savings circles can help. Sat, 27 Dec 2025 00:00:00 GMT credit-housing https://www.myduti.com/blog/paying-for-college-immigrant-families https://www.myduti.com/blog/paying-for-college-immigrant-families How immigrant families can pay for college in America. Covers FAFSA eligibility, scholarships for immigrants, 529 savings plans, and financial aid strategies. Thu, 27 Nov 2025 00:00:00 GMT family-planning https://www.myduti.com/blog/supporting-aging-parents-two-countries https://www.myduti.com/blog/supporting-aging-parents-two-countries Navigate the complex financial, legal, and emotional challenges of caring for parents in Nepal, Tibet, or Bhutan while building your life in America Tue, 28 Oct 2025 00:00:00 GMT family-planning https://www.myduti.com/blog/retirement-planning-two-generations https://www.myduti.com/blog/retirement-planning-two-generations How to save for your own retirement while supporting aging parents and raising children in America Sun, 28 Sep 2025 00:00:00 GMT family-planning https://www.myduti.com/blog/tax-filing-for-immigrants https://www.myduti.com/blog/tax-filing-for-immigrants Navigate the complex US tax system with confidence – from ITIN vs SSN to common deductions immigrants miss Fri, 29 Aug 2025 00:00:00 GMT taxes-insurance https://www.myduti.com/blog/sending-money-home https://www.myduti.com/blog/sending-money-home Compare the best ways to send money to Nepal, Tibet, and Bhutan. This guide covers Wise, Remitly, Western Union fees, exchange rates, and how to save hundreds per year. Wed, 30 Jul 2025 00:00:00 GMT immigrant-finance https://www.myduti.com/blog/duti-dukuti-tax-free-bo https://www.myduti.com/blog/duti-dukuti-tax-free-bo དུ་ཏི་དུ་ཀུ་ཏི་ལ་ཁྲལ་མེད་པའི་རྒྱུ་མཚན་དང་ཨ་རིའི་ཁྲལ་ལས་ཁུངས་ཀྱི་ལེགས་སྐྱེས་སྒྲིག་གཞི། Mon, 30 Jun 2025 00:00:00 GMT tibetan https://www.myduti.com/blog/duti-dukuti-tax-free https://www.myduti.com/blog/duti-dukuti-tax-free Are Duti DuKuti payouts taxable? No. Your savings circle contributions are gifts under IRS rules. Learn how the \$19,000 annual gift exclusion protects your DuKuti. Mon, 30 Jun 2025 00:00:00 GMT taxes-insurance https://www.myduti.com/blog/digital-rosca-technology https://www.myduti.com/blog/digital-rosca-technology Digital ROSCA platforms let you run savings circles from your phone. Learn how apps like Duti combine the trust of traditional ROSCAs with modern payment tracking and security. Sat, 31 May 2025 00:00:00 GMT community-savings https://www.myduti.com/blog/irs-gifting-tax-rules-bo https://www.myduti.com/blog/irs-gifting-tax-rules-bo ཨ་རིའི་ཁྲལ་ལས་ཁུངས་ཀྱི་ལོ་རེའི་ལེགས་སྐྱེས་གོང་ཚད་བཀོལ་སྤྱོད་བྱས་ནས་ཁྲལ་མེད་ལེགས་སྐྱེས་ཆེ་ཤོས་ཇི་ལྟར་སྤྲོད་ཐུབ། ༢༠༢༥ ལོར་མི་རེར་ཁྲི་གཅིག་དགུ་སྟོང་ཚུན། Thu, 01 May 2025 00:00:00 GMT tibetan https://www.myduti.com/blog/irs-gifting-tax-rules https://www.myduti.com/blog/irs-gifting-tax-rules The IRS lets you give up to \$19,000 per person per year tax-free. Understand the annual gift exclusion, how it applies to ROSCAs, and when gift tax reporting is required. Thu, 01 May 2025 00:00:00 GMT taxes-insurance https://www.myduti.com/blog/building-credit-in-america https://www.myduti.com/blog/building-credit-in-america No credit history? No problem. This step-by-step guide shows new immigrants how to build credit in America from scratch, from secured cards to credit-builder loans. Tue, 01 Apr 2025 00:00:00 GMT credit-housing https://www.myduti.com/blog/smart-financial-habits-bo https://www.myduti.com/blog/smart-financial-habits-bo ཁྱེད་ཀྱི་དཔལ་འབྱོར་མ་འོངས་པ་བསྒྱུར་བཅོས་བྱེད་ཐུབ་པའི་དངུལ་འཛིན་སྐྱོང་གི་གོམས་གཤིས་ནུས་ཚད་ཅན་བཟོ་ཐུབ་སྟངས་སློབ། Sun, 02 Mar 2025 00:00:00 GMT tibetan https://www.myduti.com/blog/smart-financial-habits https://www.myduti.com/blog/smart-financial-habits Practical money management habits for immigrants in America. From budgeting and emergency funds to savings circles and credit building, start your path to financial security. Sun, 02 Mar 2025 00:00:00 GMT immigrant-finance https://www.myduti.com/blog/dhukuti-nepal-bo https://www.myduti.com/blog/dhukuti-nepal-bo བལ་ཡུལ་གྱི་སྲོལ་རྒྱུན་སྤུན་ཚོགས་དཔལ་འབྱོར་ལམ་ལུགས་ཀྱི་ཞིབ་འཇུག Fri, 31 Jan 2025 00:00:00 GMT tibetan https://www.myduti.com/blog/dhukuti-nepal https://www.myduti.com/blog/dhukuti-nepal Dhukuti (Dhikuti) is Nepal's centuries-old rotating savings tradition where community members pool money and take turns receiving the collected sum. Learn how it works and its cultural significance. Fri, 31 Jan 2025 00:00:00 GMT community-savings https://www.myduti.com/blog/intro-to-rosca-bo https://www.myduti.com/blog/intro-to-rosca-bo འཁོར་སྐྱོད་དངུལ་སྦྱོར་དང་དངུལ་བུན་ཚོགས་པ (ROSCA) དང་སྤུན་ཚོགས་ཀྱིས་མཉམ་དུ་དཔལ་འབྱོར་བདེ་འཇགས་བཟོ་ཐུབ་སྟངས་སློབ། Wed, 01 Jan 2025 00:00:00 GMT tibetan