Vivinavi : Los Angeles : (United States) Los Angeles

• 教えて下さい。
• mail
• 2022/01/11 10:12

Until recently, I have been living paycheck to paycheck, so I have not invested much in the way of investments. I started a side business last year that allows me to earn a steady income every month, so I am now studying to invest my surplus money.

The quickest investment I could think of was life insurance.

However, I am somewhat skeptical about life insurance because I strongly remember advice I heard from someone about 10 years ago that life insurance and investments should not be mixed, and that life insurance is not an investment.

I have seen online and Youtuber's explanations that Whole life insurance has a real annual interest rate of about 1.5-2% after deducting commissions and expenses, as the premium in the monthly amount you pay increases with age and the amount going to investments decreases as you get closer to maturity. Another disadvantage is that in the event of the death of the insured person, the insured person only receives the Death Benefit, not the accumulated money.

I have a wife and children, so I need the Death Benefit, so I think it would be better to have a Death Benefit of about 100 million yen in Term Life Insurance and invest the other money in ETFs, BOND, SP500, Roth IRAs, Crypto, etc. I think it is better to invest other money in ETF, BOND, SP500, Roth IRA, Crypto, etc. at this stage.

Is life insurance a good investment, although each individual is different depending on family circumstances and income?
Please let me know.

• 年金
• mail
• 2022/05/22 14:09

Regarding the 401K rollover due to divorce, I would like to invest the money in the U.S. until the time of pension receipt, since the penalty for early cash-out is substantial if I return permanently to Japan after the divorce (U.S. citizen, no GC).

If you know of any financial institutions that non-residents can maintain, I would appreciate your advice. Thank you in advance.

• 懐かし屋
• mail
• 2022/05/23 15:52

They say 10 years ago, but 10 years ago there was indeed,
Bridge USA and Mikawaya, a Japanese confectionery shop,
which didn't even exist at night, before I knew it.

The free Lighthouse, which was created around the same time, is in a rut and I don't want to read about it. Bridge USA is something I miss.

• family leave
• mail
• 2022/05/24 05:35

I would like to apply for California Paid Family Leave, but I have a question for those who have applied for it by getting a signature from a doctor in Japan. I would like to apply for California Paid Family Leave, but I would like to get a signature from a doctor in Japan. I would appreciate it if anyone has any experience with this.

• 愛
• mail
• 2022/05/11 19:05

I plan to go to an American university.
I would like to know what majors you recommend.

Also, please let me know if there are any majors that are meaningless or difficult to get a job.

• ヘアカット
• mail
• 2022/05/22 20:33

I would like to get a haircut and was wondering if you could give me some recommendations
for a hair salon or hairdresser. Or any information
you can give me that I should not go to?

I saw the same topic here a long time ago. But the information was from 2011.
Some of the beauty salons don't exist anymore...

• サイコロ
• mail
• 2021/06/17 01:38

It makes me
happy when I see news related to Mr. Trump. I can't think of anyone else
but Trump as the next president, and I hope that he will create another new administration and make America a vibrant
country.

• Nihoniki
• mail
• 2022/05/15 10:38

When I go back to Japan temporarily, I would like to rent a pocket wifi from here as I don't have wifi at my parents' house.
I am looking for something other than wifi rental in Japan or airport rental.
If you know where I can rent a pocket wifi in Los Angeles or Orange County, please let me know.

• Yumi
• mail
• 2022/05/01 10:55

I am raising a child.
I am supposed to have joint marital property including my husband's salary, but he won't let me touch his accounts and asks me questions about every single credit card statement.
Is this considered domestic violence? ？
I can give him the money he needs to live, but I mean that he cannot manage our common property together.

• Taka
• mail
• 2022/05/11 13:10

If anyone knows of a place near Los Angeles, OC that might be able to do a portrait, please let me know.
I haven't seen them very often since Corona, but I wonder if they are still at the beach, etc. ？