Vivinavi : World : () World

• 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.

• ここ
• mail
• 2022/05/22 13:02

I will receive my green card soon. When I receive it, I plan to purchase an airline ticket and go to Japan for the first time in several years. Is there any problem if I travel outside of the U.S. without any formalities once the card arrives in my hands? I was worried. I posted this because I thought I could hear from people who have obtained a green card through Vivi. Please let me know if you know what to expect. 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.

• coco
• mail
• 2022/05/27 12:25

Biolal is now open at Shinjuku Marui Main Bldg.
They seem to have organic and healthy foods.

• めいこ
• mail
• 2022/05/27 11:55

Gulliver Kusatsu Minami Store will open on June 11 ！ It will be the largest in Shiga Prefecture.
https://221616.com/shop/shiga/kusatsushi/G01363/

• 倫
• mail
• 2022/05/27 11:32

Ecute Ueno
May 16th(Mon) ～ June 5th(Sun)

Sogo Omiya
May 28th(Sat) ～ June 6th(Mon)

Sayama Shincha × Zunda An Bread is now available for a limited time. ！
It's the season of new tea.

• みみ
• mail
• 2022/05/27 11:28

Asayotei
Until August 31

They can enjoy Hokkaido's meat, scallops and other specialties in a buffet style.

https://asp.hotel-story.ne.jp/ver3d/planlist.asp?hcod1=73150&hcod2=001&mode=seek&c2plan=9004&clrmode=seek&hidmode=select

• なつみ
• mail
• 2022/05/27 11:24

An event to enjoy Hokkaido will be held on June 18.
The Royal Park Canvas Sapporo Odori Park

Wine tasting in a stylish place, great!