I’m trying to create budget for my India trip . Most of the money goes to transportation so I want to reduce that . For a family of 4 we will be traveling to Chennai , Bangalore , trichy , Kanyakumari and Hyderabad . One sibling in Bangalore and another one in Hyderabad . Both cannot stand each other so not possible to meet at one place . In laws spread all over Tamil Nadu from kanyakumari to Chennai . What is the economical way to commute ? 2. Gift purchase . I have a house warming ceremony in my DH village . It is in my DH name . Expecting turn around of at least 10-12 families . What is the economical return gift ? 3. Gifts for ladies and kids in the family Women in late 40s and 60s . Nor sure what to get them. 4. Shopping for the family . This one I want to be conscious because my kids complain Indian clothes are itchy . Just planning to get simple cotton outfits . Both of them hate polyester fabric. Teen has been asking for 1/2 saree so planning to buy some good ones for her . I have enough supply so I’m going to see how not to waste on impulse buying or buying because it is cheap when converted to dollar. Last time I ended up donating to friends exactly like new . 5. What are some easy to buy jewelry gold or fancy accessories for teens ? Any recommendations for stores in Chennai . Something goes well with Indian outfits and western outfits . 6. I have some extra cash to invest . What would you recommend ? Gold or fixed deposit . 7. There is rental income of Rs.20000 from property which is never accountable . More like public fund . What is better way to invest this so it doesn’t get dissipated among family . I will have hard time asking this but I think this needs to be sorted out . I would like to have a plan in place . 8. In bank statement I see charges for atm card and account maintenance. Is this norm in India now ? Anyway to avoid these charges . 9. I’m a India citizen do I get a pan card ? What is my photo identity in India other than my passport . I’m going after a long time so don’t have any id there. looks like too many questions . Any help or suggestion is appreciated.