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451. Chinese [china] ramen（919view/1res） Free talk 2022/06/01 21:29
452. I'm trying to become a nurse.（2kview/10res） Problem / Need advice 2022/06/01 13:29
453. Why do evil people lie so much ？?（14kview/126res） Question 2022/05/31 19:50
454. Is life insurance a good investment?（2kview/10res） Question 2022/05/31 07:18
455. Maintaining a 401K after returning home（4kview/7res） Problem / Need advice 2022/05/30 14:27
456. things that have been lost（13kview/75res） Free talk 2022/05/29 08:19
457. California Paid Family Leave（727view/2res） Problem / Need advice 2022/05/28 18:59
458. Recommended Majors at U.S. Universities（7kview/75res） Free talk 2022/05/26 23:13
459. The recommended beauty salon is（1kview/18res） Beauty / Health 2022/05/23 21:11
460. Trump is starting to make his move.（129kview/912res） Free talk 2022/05/22 20:42
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Topic

Chinese [china] ramen

Free talk
#1
  • Gardena_23
  • mail
  • 2022/06/01 13:46

Chinese Ramen" as it used to be in old food stalls and diners
Do you have any recommendations for stores in SouthBay ？

mobile stores （ vans ） but it seems there are also
please let me know.

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#2
  • ボケ
  • 2022/06/01 (Wed) 14:07
  • Report

Maruchan Ramen Noodle Raw sold at Japanese supermarkets. If you have a microwave and a pot at home, you can make it.

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I'm trying to become a nurse.

Problem / Need advice
#1
  • Akitainu
  • mail
  • 2022/05/09 19:30

Nice to meet you.
I'm currently applying for admission to ADN, ABSN, and MCEN programs, but I don't think I'll be able to do it this semester, so I'd like your advice.
The current situation is as follows.

I have a BA from UCSD
Anatomy&Microbiology is B
Physiology is A
TEAS 85%
Medical Terminology is done.
Pharmacology has been completed.
I have CNA
I have worked in a hospital for over a year

I have taken about 10 schools this semester and have not been accepted by any of them yet.
I am preparing again for next semester, but anyway, the ratio is too high.

Is there any way to make it easier to get in ？
If I get into Second Degree or Entry Master, what percentage of scholarship etc. will I get ？
I took it this time anyway. I took it this time, but I don't think I will take it next time unless I get some assistance because it is very expensive.

I would also like to put LVN into shear, is there any reasonable school ？

I would appreciate any advice you can give me. I am depressed by the harsh reality and my inability to do so.

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#3

Good luck ！

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#4
  • GPA大事
  • 2022/05/27 (Fri) 09:31
  • Report

I'm not talking about shear, but field of view.

It is easier to get in if your GPA is high. Anatomy&Physiology is taken separately in many cases, so I take them.

It is important that you have taken all of them, but if you get less than a B on anything other than the ones marked B, you are doomed.

It may be faster to find a place that will put them in the Wait List in the order they are applied.

Second Degree and Entry Master are not special, so if you have a bad GPA, you are unlikely to get a scholarship. ？ As far as I know, there is only one B, and I don't know of any others except A's or all A's.
I'm not sure if there is any other way to get a scholarship, but I'm not sure.
I think this is all the information you can get here, but I think you should make an appointment with a counselor at the school you want to go to, as counselors have the most information.

Different schools have different point systems, different required courses, and different points awarded. I guess if you are familiar with the program information of all the schools you want to go to or Apply to and have questions, what is it, but everyone is desperate, so if you are not well informed, you are "missing out". I think it is tough. If you have a CNA, there are many opportunities to increase your salary without becoming a nurse. You can get various certificates and training … It also starts with gathering information.

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Why do evil people lie so much ？?

Question
#1
  • 嘘つきは泥棒の始まり
  • mail
  • 2022/03/25 20:57

I have wondered about this for a long time. Politicians are the same, but
the ones you see on the news, etc., who play the good guy and end up being the culprit.
What is the character of those who lie without hesitation, even at work
I want to be careful.

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#114
  • どっちもどっち。
  • 2022/05/30 (Mon) 23:27
  • Report

Monchi.

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#116
  • 去勢手術
  • 2022/05/31 (Tue) 07:49
  • Report

Why don't we just take balls like dogs ？
and there will be no more rapes.

Rotten men are a detriment to the world.

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#117
  • どこでもReila 911
  • 2022/05/31 (Tue) 10:16
  • Report

Lying is also a sin （ Lying is also a good thing ） Lying is a sin, but it is sometimes necessary as a means of obtaining a good result.

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#121

#116
An example of this is the eunuch, a man who does the same kind of bad things that men and women don't do, even after castration.
The example of the Chinese eunuch is a famous bad one in history. Japanese gay noumen are also more scary to me as a woman than normal men, which comes first. Kiyo Hikawa is not scary, though.

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#123
  • 事実
  • 2022/05/31 (Tue) 17:18
  • Report

Wife is family

She is out

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Is life insurance a good investment?

Question
#1
  • 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.

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#3
  • pooske
  • 2022/01/22 (Sat) 22:30
  • Report

Life insurance is not an investment. If you do not die, there is no virtue in it. If you live a short life, it will be difficult to leave enough money for your family. Also, after you die, there is nothing more you can do, even if you have 100 million yen, it will not be enough.

Buy stocks of companies you like. For example, if you like Costco, buy Costco stock. If you like Apple products, buy Apple stock. And if the price goes down, be patient. On the other hand, if the price goes down, have the courage to buy. However, this is a 10-year investment. It will not work in the short term.

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#4

It is me, but I am a financial consultant. Current life insurance can be an investment. I will first listen to the whole picture and your wishes before advising you. I offer free consultations. Please contact me if you would like to know more.

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#5

In my layman's personal opinion, the purpose of life insurance is to replace the income of the deceased insured to support the remaining family members. A common practice would be to purchase Term Life Insurance at 10-15 times the annual income until the children are no longer dependent on the insured or until the insured himself retires. For example, if the mainstay of the family $ 100k annual income dies, $ 1.5M of insurance money can be invested in S&P500 Index Fund, etc., and on average （ based on historical data only, ） $ 100k or so annual income will be earned. 100k per annum based on historical data. On the other hand, if you already have $ 1.5M in financial assets, you are Self Insured and do not need to buy life insurance. Also, when your children leave the nest after getting a job or your spouse reaches pensionable age, you will no longer need life insurance because you will need less money. Insurance is just insurance. Term Life Insurance is a good choice for a lump sum. Besides, Term Life Insurance is much cheaper in terms of monthly premiums. And it is recommended to separately invest the surplus funds in index funds with low fees for long-term investment by yourself.

You may already know this, but check out Dave Ramsey's channel on Youtube. He talks a lot about insurance and long-term investing, has podcasts, and has a best-selling book out.

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#6
  • トホホのおとっつぁん
  • 2022/05/30 (Mon) 00:59
  • Report

Shut up and keep piling into the S&P500 ETF VOO.
You can find out more on YouTube.

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#7
  • 昭和のおとっつぁん
  • 2022/05/30 (Mon) 07:05
  • Report

It is up to the individual to decide where to invest.
There is no need to tell a stranger what to do.

Life insurance should teach you about good investments.

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Maintaining a 401K after returning home

Problem / Need advice
#1
  • 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.

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#4
  • SJDummy
  • 2022/05/22 (Sun) 18:59
  • Report

It depends on the policy of the financial institution as to whether it is possible for a non-U.S. resident to maintain it. First, you should discuss this with your current investment company. I am a US citizen, but when I decided to move to Japan upon my retirement, I talked to the investment company I had been using, and they told me that they do not allow non-US residents to maintain an account. I checked with Fidelity Investment and found that it was possible, so I created an IRA account and a general taxable account with Fidelity and rolled over everything into that account. After moving to Japan, all access to the accounts was via the Internet, which was no problem. However, Mutual Fund is for US residents, so new purchases are not allowed. （ This should be the same with any investment company ） The sale of holdings prior to immigration was possible without any problems for both IRA and general taxable accounts. Purchases of common stocks and ETFs are possible even if you reside outside the US. Transactions can be done almost entirely online, but only the sale and encashment of Mutual Funds in IRA accounts could not be done online, and had to be done by mail after signing a prescribed form. （ Thus, it is time consuming. ） Sale and encashment of Mutual Fund in taxable account and Wire to other financial institutions were all possible online.
After living in Japan for several years, I returned to the U.S. As soon as I changed my address to the U.S., I was able to purchase ／ and sell my Mutual Fund online, all restrictions were removed.

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#5

I plan to move to Japan in the future and have an account with Union Bank of California, so I contacted the bank. They said that I can maintain the account even if I become a non-resident of the US. They recommended that I apply for Paperless for notifications, etc. and set up a password so that I can request money transfers by phone from Japan. I think it depends on the bank, so you should contact the bank where you have an account or want to open an account.

SJDummy,

I also have an IRA account with Fidelity and was wondering if I could open an account that would allow me to Wire to Japan. Thank you very much for your valuable information.

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#6

It's me, I am a financial consultant. Free consultation. Please contact me. I can respond immediately.

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#7

Mr. Prospective Returnee,
One point, regarding US->japanese wires, please note that the fees for yen wires from US banks to Japanese banks are often several percent or more. I opened a dollar deposit account when I was residing in Japan, and I send all my US->-Japanese WIRE in dollars. In that case, there is no dollar-＞ yen exchange fee required, only an International Wire fee $ 35. Since the exchange fee for dollar deposits in Japan is TTB + 1 yen, this method is the least expensive. （ Japanese banks are Mitsubishi UFJ). In addition, as you probably know, if the Wire amount exceeds JPY1,000,000 （ Japan ） or $10,000 （ US Dollar ）, the information will automatically go to the respective tax authorities in both Japan and the US. It is important to keep the documents for at least 3 years. In my experience, I have never been investigated for remittances in excess of that amount. （ That way I can save my setup and it is less hassle since it is all done online. ） Also, I always use 2-step verification （ by phone or text ） for these transfers, not just ID ／ PW. If you have any additional questions, please email me directly.

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#8
  • そんなに難しくない
  • 2022/05/30 (Mon) 14:27
  • Report
  • Delete

You can open an IRA at any financial institution while you are living in the US, i.e. while you have an address here.
If you roll over your 401(k) into the IRA you opened, and then move your address to Japan when you return home, you should be able to maintain it with no problem.
If there is no particular need to wholesale now, I would suggest waiting until you turn 60 before transferring to Japan.

Currently, Citibank has an online international money transfer service, so you may be able to operate your own money transfer from Japan.
I think it would be easiest to prepare an IRA account and a Citibank account.

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things that have been lost

Free talk
#1
  • 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.

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#72
  • はい
  • 2022/05/28 (Sat) 14:39
  • Report

curry house

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#73

eldest daughter (may be used after name as honorific)

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#74
  • トホホのおとっつぁん
  • 2022/05/28 (Sat) 20:43
  • Report

Super Udon

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#75
  • 昭和のおとっつぁん
  • 2022/05/29 (Sun) 06:40
  • Report

Private stores change their names even if they are in the same place before you know it.
There is no end to it if you write it down.

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#76
  • n
  • 2022/05/29 (Sun) 08:19
  • Report

Spot Market, Sanseido Books, UTB, Asahi Homecast

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California Paid Family Leave

Problem / Need advice
#1
  • 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.

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#2
  • 知らなかった
  • 2022/05/25 (Wed) 04:15
  • Report

I didn't know ！ that you are also applying for a family member in Japan who is sick.

Thank you.

I don't have an answer for you, but I hope that your family's situation will be better.

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#3

I think you need the license number. I was told before to include it even if you are in another country.

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Recommended Majors at U.S. Universities

Free talk
#1
  • 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.

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#70

I would like a major that can take the national exam. Nurse or CPA.

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#71
  • 安定
  • 2022/05/22 (Sun) 20:35
  • Report

↑ I agree, a job is waiting for me after college ♬.

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#72
  • 世間知らずなのかな
  • 2022/05/23 (Mon) 11:12
  • Report

There are too many CPAs, and even if you can find a job, the pay is low.

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#74

Mr. 72

Then on the contrary, what do you recommend?

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#75
  • 世間知らずなのかな
  • 2022/05/26 (Thu) 22:14
  • Report

↑
Doctors and Lawyers

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The recommended beauty salon is

Beauty / Health
#1
  • 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...

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#3
  • トホホのおとっつぁん
  • 2022/05/23 (Mon) 00:32
  • Report

Solely at a Vietnamese hairdresser, $15 + tip.
For a woman, it's about $40 ？.

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#4
  • ヘアカット
  • 2022/05/23 (Mon) 00:35
  • Report

Sorry, you are right.
area is Los Angeles, West LA, and the Valley, so
I'd appreciate it if I could go to these three places.

But if Glendale, Santa Monica, Gardena, Torrance are also reputable places
I will try my best to go there. Please do let me know if you have any suggestions.

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#5

｡

Why don't you go to yelp and check reviews by yourself ？ I don't think you will get a proper response if you ask here. I don't think you'll get a straight answer if you ask here, and people have different opinions on how good or bad a stylist is. ？ I don't want to name individual stylists here, but I hope you find one that suits you.

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Trump is starting to make his move.

Free talk
#1
  • 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.

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#909
  • グレート義太夫
  • 2022/05/13 (Fri) 16:31
  • Report

Prime Minister Kishida: "We must draw the world beyond the Great ・ Reset."

I've never seen anything great with a name like Great
Someone please explain the Great ・ Reset in detail.

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#910
  • ビルげいつの陰謀は止まらない
  • 2022/05/14 (Sat) 11:32
  • Report

https://www.instagram.com/p/Cdgji_5rRiU/?igshid=MDJmNzVkMjY=

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#911
  • Republican
  • 2022/05/21 (Sat) 23:28
  • Report

Eron ・ Mr. Musk
"The real president of the United States is not Biden
but the man who controlled the teleprompter," he said
"The current government is not doing a lot of work.
but the Trump government has done a lot of work efficiently
I have always voted Democrat
because I thought the Democrats were a good party
but they have become a hate-filled party that divides this country
I will no longer vote Democrat, I will vote Republican."
And
"Now they will start their dirty campaign against me," he announced.

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#912
  • gachann
  • 2022/05/22 (Sun) 01:00
  • Report

The current illegal government is not only not doing its job, it is doing a lot of bad things.　The state of California is now allowed to distribute low-income health insurance to illegals as well.　They say it's to help the poor illegals, but it's another free pass for the taxpayers to use their money to make more money for the public health insurance companies.

American taxpayer money is going to NATO, the Paris Treaty, the war in Ukraine, and other things that have nothing to do with domestic demand in the US.　

Bill Gates, who is an environmentalist, is apparently shorting Elon Musk's environmentally friendly Tesla stock.

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#913
  • 夢が無い
  • 2022/05/22 (Sun) 01:01
  • Report

Democrats divided America.　Republicans ／ turned over what Trump did.　Democrats are doing their best to make the people LGBTQ.　Too much ！ ！ Stupid Democrats ！ ！

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