Yearly Archives: 2017

Music Festivals to attend in 2019

The following is a list of music festivals recommended by multiple sources.

Coachella Valley Music & Arts Festival

When: April 12 – 14, April 19-21

Where: Indio, CA

How much: General admission passes cost $489 ($509 with the inclusion of a shuttle pass), VIP passes cost $999. For ticket purchases, please check Stubhub https://www.stubhub.com/coachella-music-festival-tickets/grouping/11247/

Who will perform: Black Pink, Jaden Smith, DJ Snake more (For a full list, visit https://www.coachella.com/lineup/#/artists/alphabetical.

  • The first appearance of a popular K-Pop Artist, BlackPink (For their hit songs, check https://www.youtube.com/watch?v=feXwPDeXvLs
  • One of the top ten grossing festivals in North America in 2016
  • One of the top 25 music festivals in the US listed by Fuse in 2017
  • One of the top 15 music festivals (number one ranked) in the US listed by Festicket in 2016

Desert Trip

When: October 7-9

Where: Empire Polo Club, Indio, CA

Who will perform: Rolling Stone, Bob Dylan, Paul McCartney, Neil Young, The Who (TBA?)

How much: $199 for a single day, $399 for all three days, $$1599 for reserved floor seats for all three days. Tickets and packages go on sale on Monday, May 9th at 10 AM PT at the Desert Trip Ticket City website https://www.ticketcity.com/festivals/desert-trip-tickets.html

  • Top grossing festival in North America in 2016.

Lollapalooza

When: August 1-4

Where: Grant Park, Chicago, IL

Who will perform: Adriana Grande, Childish Gambino, Chainsmokers, Twntyone Pilots  plus more (For detailed lineups, check https://www.lollapalooza.com/lineup/)

How much: $130 for a single day, $350 for a single day VIP, $340 for all four days, $2200 for all four day VIP (For ticketing, check https://www.lollapalooza.com/tickets/)

  • One of the top 25 music festivals in the US listed by Fuse in 2017
  • One of the top 15 music festivals (sixth highly ranked) in the US listed by Festicket in 2016

South by Southwest (SXSW)

When: March 11 – 17

Where: Austin, TX

Who will perform: For a full list, visit https://www.sxsw.com/music/2016/2017-festival-artist-announcement-teaser/.

  • One of the top 25 music festivals in the US listed by Fuse in 2017
  • One of the top 15 music festivals (second highly ranked) in the US listed by Festicket in 2016

How to be a happy expatriate in a foreign country?

With the growing presence of U.S. businesses in other countries, you may be relocated to the unfamiliar territory with a new job duty and lifestyle. To ease the stress of living overseas, you need to create the wisdom of yours based on the following advice given by some former expats.

  • Speak the local language as much as you can, even if you are not 100% confident in your language skills. Since locals respect your effort to speak their language, you can make some local friends quickly and learn from them about the local life.
  • Find shared accommodation (not necessarily in a single room, but in the same house/apartment), if you are alone. Roommates can help you improve your local language skills and can set you up with a local bank account, phone/internet installation, and so forth, while showing you some cool spots and exposing you to local cultural nuances.
  • Be yourself and celebrate the differences and similarities in cultures rather than trying to blend in local cultures too hard.
  • Be aware of different local environments (e.g., health care, educational system, local taxes, safety, crime rate, different rules/customs) instead of behaving as if you are still in your home country.  For instance, in Brazil, its crime rate is relatively high, it is politically unstable, and school options are limited. In Egypt, you should understand that its high pollution, dodgy medical care, lousy economy, and safety can turn you off. In middle-eastern countries such as Kuwait and Saudi Arabia, they are unfriendly to female expats. In New Zealand, it is relatively tough to make local friends. In Italy, taxes are relatively high. On the other hand, Taiwan, Malta, and Ecuador are generally well-received by expats due to their welcoming environments and quality of life.
  • Stay in touch with the former expats that you became close friends with. You may pick up some wisdom from their experiences.
  • Hire a local realtor to buy and sell local properties, since he/she is more familiar with local laws, property value, finances, and real estate markets. For example, it is customary for you to pay the whole amount for buying a house/condo in South Korea. In that country, monthly rental options are very limited (especially Seoul).
  • For other details, visit http://www.transitionsabroad.com/listings/living/resources/expatriatewebsites.shtml.

How to Travel Smarter with the Best Available Deals?

How to fly cheap?

How to stay cheap?

  • Check the Roomer app to get the deep discounts on hotel rooms from people who have had to cancel their trips. You may save 30 to 80%. Plans change and if you can’t keep your commitment, Roomer is a marketplace that lets you sell that reservation instead of losing your entire non-refundable prepayment and reservation. Visit shttps://www.roomertravel.com/.
  • Check the TripHappy browser to sort lodging price and/or rating evaluated by 37 million user reviews. TripHappy was created by analyzing and aggregating itineraries from thousands of travelers across the world. Visit https://triphappy.com/.
  • Check the Hotelwatchdog website to find a list of 20 “expert-analyzed” hotels with the best value depending on cost, proximity to popular attraction, and guest ratings on TripAdvisor. It is a sister website of the Hotelwatchdog.com.  So, you can be directed to airfarewatchdog.com for your comparison shopping of the lodging choices. Visit http://www.airfarewatchdog.com/hotels/.
  • Check the SnapTravel website (over Facebook Messenger-fb.com/snaptravel/) to find the three recommended hotels in seconds with respect to their location and star ratings. Unlike other hotel websites or apps, its teams of human customer representatives will help you the room with your specific preferences (e.g., free Wi-Fi, room on the high floor or further away from the elevator) for 24 hours a day. Visit https://booking.getsnaptravel.com/landing.

How to eat fast in the airport?

  • Check the Grab app to search for the airport restaurants, see their menus, order food in advance, map their locations in the terminal, and pick up your food on the way to the gate. This app currently serves 174 restaurants at 17 airports in the U.S. Visit https://getgrab.com/.

How to find the best deal for car rentals?

  • Check the Autoslash to track the rates for your travel dates and scout competitive pricing, including coupons and discounts from top brands such as Hertz, Avis, National, Enterprise, Budget, Dollar, Thrifty, etc. You will be notified by e-mail for the best deal. Visit https://www.autoslash.com/.
  • Check the Maven to find the most affordable short-term car sharing services (e.g., $8 per hour for most vehicles and $14 per hour for SUVs) of the Chevrolet brand vehicles.  It now offers rental periods up to 28-day in L.A. and San Francisco.  Visit  https://www.mavendrive.com.

Another alternative to these rental or car sharing services is Rideways which helps travelers to find transportation means for airport transfers, taxi rides, train  rides, and bus rides in more than 500 cities worldwide at a cost of $5.30 to $160.  Visit  https://www.rideways.com/?utm_source=google&utm_medium=cpc&utm_campaign=681168447&adgroupid=32476516942&utm_term=rideways&matchtype=e&device=c&kwid={kwid}&label=brand&gclid=COeW0oKvvtICFVMdgQodcWkFhA.

 

Is a Reverse Mortgage Option Wise for Retirees?

A reverse mortgage or home equity conversion mortgage (HECM) is a type of home loan that requires no monthly mortgage payments for older homeowners who are at least 62 years old and owns home ($100K+ home value with 50%+ equity), although borrowers are still responsible for property taxes and homeowner’s insurance. Since it allows retirees with limited, fixed income can tap the equity in their home, but do not have to repay any of the loan for as long as they stay in the home, it has become an option for some retirees who are cash strapped.  Proceeds can be used to pay off debt or settle unexpected expenses. However, retirees should understand that it has some pitfalls. Those pitfalls include:

  • If you live a long time, you may eventually use up all the funds available to you from the reverse mortgage. So, if you sell the house, chances are that all or most of the money will be owed to the reverse mortgage lender.
  • Fees and other closing costs can be high. Not a good option, especially if you can’t maintain the costs associated with the home.
  • It would be more difficult to keep the house property in the family (esp. your heir). If you die or the home isn’t the primary residence for more than 12 months, the loan comes due, which means either you or the estate has the option to repay the loan or put the home up for sale to settle it.

Some of the reverse mortgage lenders are: American Advisory Group (visit https://www.americanadvisorsgroup.com/ca.php?pid=488&utm_medium=affiliate&utm_source=consumersadvocate&utm_term=&utm_campaign=review-site); Lendingtree (https://offers.lendingtree.com/pages/reverse-mortgage-2/product.aspx?cchannel=bd&esourceid=6245236&csource=31&cproduct=reverse&cname=consumersadvocate&cterm=53235053&cmethod=reverse&800num=hide&siteid=reverse+mortgage); Homepoint Financial (http://www.homepointfinancial.com/page/reverse-mortgages) ; LiveWell Financial; and RMF.

How to Avoid Home Improvement/Repair Scam?

Once spring time comes, many home owners think about making their home look better. But, if you have someone whom you are not familiar with as the potential contractor, you can be duped by him/her for home improvement/repair services.

The following is a list of signs that a scammer may try to fool you.

  • A unknown contractor knocks on your door unsolicited and she/he can improve home with an arranged loan to be financed by a lender she/he knows.
  • Offer his/her services at an extremely low, too-good-to-be-true discount/price quote, without explaining exactly what to cover or not to cover.
  • Pressure you to act on the deal immediately or within a short time window to take advantage of a special discount or deal.
  • Never confirm his/her verbal offer with a written quote.
  • Ask you to pay for his/her services fully or partially (but substantially) upfront or in cash.
  • It is difficult for a customer to find the company information online or the company was not on the list of the better business bureau. Even if it is on the list,  its rating is unfavorable with some customer complaints.
  • Ask you to get the required building permits by yourself.
  • Rush you to sign the contracts or do the paperwork without reading them.
  • Ask you to pay more money for his/her services after she/he claims that the work is completed. Otherwise, she/he threatens to put lien on your property or threatens to file a lawsuit against you.
  • Offer you a great deal (charge only for labor and the bare minimum cost) by claiming that she/he has some leftover materials after completing the job for your neighbor down the street.

If you get the sense that something is not right or sounds shady, you may check with consumer offices http://usa.gov/state-consumer or https://www.facebook.com/FightBack4Justiceor http://www.complaints.com/.

Regular vs. Premium Fuel, which one to use?

According to the Newsroom.AAA.com, 16.5  million drivers unnecessarily splurged on premium fuel for their vehicle in 2016. So, U.S. drivers wasted $2.1 billion annually using premium gas in an automobile designed to run on regular gasoline. However, a fact of the matter is that premium gasoline is simply the higher octane (91 – 93 octane), not necessarily the higher quality fuel than regular gasoline (87 octane). AAA test showed that the use of premium gas for the vehicle designed to operate on regular-grade gasoline did not significantly improve horsepower, fuel economy or emissions. In other words, unless the vehicle is designed to operate on premium gas, premium gas does not provide any clear advantages.  Despite a lack of discernible advantages, premium gas is typically 20 – 40 cents a gallon more expensive than regular.

Instead, it is recommended that the driver use a top-tier fuel listed as follows.

Thirty filling stations sell Top Tier Detergent Gasoline in the U.S., including Aloha Petroleum, 76 Stations, Arco, Beacon, Chevron, Conoco, Exxon, Ohana Fuels, Valero, Kwik Trip Express, Mahalo, ARCO, Metro Petro, Beacon, MFA, BP/Amoco Ultimate, Mobil,BP Regular, and OAAI. In Canada, the seven stations selling top-tier fuel are Esso, Chevron Canada, CO-OP, Costco Wholesale, Shell Canada, Tempo and Petro-Canada.  For more details, visit http://www.toptiergas.com/licensedbrands/

Tips for keeping batteries for a long time

For all kinds of gadgets (e.g., AA batteries for toys, electronic devices, clocks; AAA batteries for portable devices), we often need batteries to power them. But, old batteries that are not usable can frustrate us. The following are simple tips for saving the unused batteries for a long time.

  • Do not need to keep the batteries in the refrigerator or freezer, although storing batteries in the refrigerator (or anywhere between 34–60ºF / 1–15ºC) causes minor improvements in charge capacity.
  • Keep the batteries in a dry place at normal room temperature, because prolonged exposure to extreme heat or cold (below 50ºF or 10ºC) can reduce the battery life and power.
  • Store the batteries in their original packaging, if possible. If batteries are loose and then create inadvertent touches with each other can drain their power since the positive and negative ends may end up touching each other.
  • Separate batteries by make and age. Batteries of different types or from different manufacturers can react with each other, causing leakage or other damage.
  • Check the charge levels of rechargeable batteries and then fully charge them (esp. lead acid, lithium ion) before storing them. Many rechargeable batteries will permanently damage themselves if kept in a discharged state.

Tips for right hammer skills

Spring is just around the corner. Then you will find many parts of your home that need to be tightened and refurbished. Often a hammer is a tool that you will likely use more than other tools. The following tips will be helpful for novices who would like to hone their nail pounding skills, while protecting you from potential injuries.

  • Wear safety glasses and earplugs while hammering (if possible).
  • Roughen the hammer’s striking face with sandpaper—it’ll help prevent glancing blows that bend nails and often find your thumb.
  • Drill a pilot hole slightly smaller than the diameter of your nail before using the hammer to prevent the wood from splitting.  In some cases, blunting the point of a nail may help reduce the chance of wood splitting.
  • Initially grip the hammer firmly in the middle of the handle and then move your grip back toward the end of the handle for more power once you have set the nail.
  • Use small, controlled taps when setting a nail. You may also use needle-nose pliers or a notched piece of cardboard to hold the nail in place.
  • Keep your wrist straight while hammering. Make sure that the hammer face is parallel to the wood surface.
  • Do not hit the nail too much (too many times). The fewer the hits on a nail, the stronger the hold.

For more details, you may visit the websites: http://montpelierconstruction.com or

http://www.popularmechanics.com/home/how-to/a1666/4217164/

Synthetic versus Regular Oil for Oil Change -which one is better?

Oil change is the common routine for auto maintenance. Oil change will protect the engine of your gasoline-powered or hybrid car from damage (e.g., heat created by friction). Although the 3,000-mile oil change is the credo of the quick-oil change industry, you don’t have to change the engine oil that often with the availability of synthetic oil. The question is whether we would rather use synthetic oil than cheap regular oil.

The following is a summary of pros and cons of using synthetic oil.

Benefits:

  • Synthetic oil lubricants offer high purity and improve resistance to breakdown as compared to regular oil.
  • Make the cold-engine starts easier during the winter, while prolonging high-speed driving during the hot summer season.
  • Improve fuel economy since synthetic oil is usually slipperier than regular oil and thus reduces engine friction.
  • Oil only has to be changed every 10,000 miles instead of 3,000 or 4,000 miles.

Shortcomings:

  • More expensive than regular oil (Using synthetic oil bumps the price to $45 to $70 (or higher typically at the dealer) on average, as compared to costs of $20 to $55 for conventional oil change.
  • Your new car warranty can be voided, if your vehicle owner’s manual requires or specifies synthetic oil, but you still uses regular oil.

Overall, synthetic oil is recommended instead of regular oil.

Update on the National Interest Waiver (NIW) Petition

A national interest waiver (NIW) petition refers to an employment-based, second preference immigration petition for those aliens who have already received a permanent job offer and an approved labor certification. According to USCIS , requirements for the NIW petition are:

Requirement 1 – You must show that you plan on working in the United States in an area of substantial intrinsic merit.

Requirement 2: You must show that the proposed impact of your work is national in scope.

Requirement 3: You must show waiving the labor certification requirement would benefit the national interests of the United States.

For more details, please check the USCIS site https://www.uscis.gov/eir/visa-guide/eb-2-employment-based-second-preference/national-interest-waiver

However, it is noted that there are no established rules and statutory standards regarding so-called “national interest.” For example, the NIW petitioner may be an individual who must have an “advanced degree” or “exceptional ability” in the sciences, arts or business.The NIW petitioner must also persuasively demonstrate that he/she seeks employment in an area of substantial intrinsic merit to the U.S., that the benefit from his/her proposed activity will be national in scope, and that the requirement of a Labor Certification for the candidate will adversely affect the national interest. Each NIW case is adjudicated on its individual merits, but the burden of proof is always on the petitioner to establish that exemption from the labor certification will be in the national interest of the U.S.

After the current administration’s tightening of U.S. immigration policy, obtaining an approval for NIW petitions is more difficult than ever before.

According to recently issued Matter of Dhanasar, the waiver is only available for a foreign national who either is an “advanced degree professional” (such as an engineer who has a master’s degree or someone with a PhD degree) or who has “exceptional ability in the sciences, arts or business.” The waiver, however, eliminates the requirement that the foreign national have a job offer from a U.S. employer that was certified by the U.S. Department of Labor after testing the U.S. labor market and meeting other prerequisites.

Important differences from the old standard include  (see, e.g., http://immigrationimpact.com/2017/01/18/change-national-interest-waiver-standard-gives-entrepreneurs-path-permanent-residence/):

  • The new standard recognizes that a foreign national’s intended work can be in the national interest even when limited to a particular geographic location. Under the NYSDOT standard, USCIS often viewed such activities as “local,” and would deny the waiver.
  • The new standard considers the “potential prospective impact” of the foreign national’s intended work, while the earlier standard placed great weight on past accomplishments as the measure of future benefit. This should help entrepreneurs who may not have a lengthy “track record.” Entrepreneurs also should benefit from the new standard’s focus on evidence that the foreign national is “well positioned,” which places the emphasis on planning and process rather than ultimate success. Recognizing that entrepreneurs can experience failures along the path to success, Dhanasar explicitly rejects a requirement that a foreign national demonstrate that the endeavor is “more likely than not to ultimately succeed.” Without this admonition, entrepreneurs most likely would face denials on this basis.
  • The new standard gives greater consideration to the foreign national’s qualifications and what he or she seeks to accomplish when determining whether the job offer and permanent labor certification prerequisite are waived. The earlier standard often resulted in USCIS officers requiring a comparison between the foreign national and hypothetical U.S. workers who might have been identified if the permanent labor certification process was required. This was not feasible for an entrepreneur seeking to bring his or her particular talents to the United States.

To prove your qualification for the NIW petition, you may present a letter written by the well-known expert(s) in your field who can verify your skills, knowledge, and past accomplishments.  For details, please check http://www.wegreened.com/eb1_niw_approvals?gclid=CObby5fjrtICFZeEswodWvIM4w

Note: In case of the H-1B visa applications, there are typically 65,000 slots available for someone with the bachelors degree and 85,000 slots for someone with the masters degree. In 2016, it is reported that 233,000 people applied for the H-1B visa.