Start here: www.reddit.com/r/personalfinance/w/commontopics

Thank you for your insights. Figures always look good on paper then reality comes and hits you in the face don’t they?

Your right long distance does have its issues. I used to run operations for a logistics company and had three remote sites across three states I was solely responsible for. Getting stuff done when sprinklers burst, delivery vans caught fire - it’s a headache for sure.

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Yeah, I do have a trust set up in another country. Many such complications, not a lot of money though so looking for an efficient solution instead of going to an expensive advsior

Create a will that specifies how your estate will handled. You can leave everything to the humane society, if you wish, simply make it part of the will. You can also name an executor for your estate - someone you trust to make sure that your instructions are carried out.

When you die, all your assets and debts become your estate. The assets will be used to settle any outstanding debts, and the remainder dispensed per your will. For real estate, it’s likely that the humane society has no use for the house, so you might ask that it be sold and the proceeds donated. This would be a task for the executor.

Savings accounta can change their rates. Very common for them to have a great rate during a period of expansion and then it starts to go down relative to peers. CD rates are secure for the length of the CD.

As a landlord, I say sell. Doing it long distance is not going to be fun. You can't rely on your family to drop everything when your tenant discovers a roof leak or broken toilet. Hiring a property manager will cost you 10% of rent. Your potential margin may look good on paper, but you will be responsible for upkeep, cosmetic fixes between tenants, new appliances, etc. - if you are realistic about how much those things cost you will quickly see that your profit is unlikely to be worth the headache.

I own a condo with a super who handles all of the headaches for me, and even so, I wouldn't want to do it long distance.

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What’s your income and how much is in it?

You can get so much gently owned and inexpensive furniture on OfferUp, FB Marketplace, Nextdoor, etc.

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You can try but I would assume you've been blacklisted

They lost money on you before they're unlikely to be interested in being burned Twice

Thank you!

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The letters say I will get some of the amount taken off if I restart insurance on it

A will isn't sufficient to do this, but it isn't complicated either. The way to exercise the most control of your assets after death is through a trust. You work with an attorney to establish a trust that lists how you want your assets to be passed on. You will also pick a person (called a trustee) who is in charge of executing your wishes after death, for a reasonable fee. You would list all beneficiaries as the trust you create so that the trust owns all assets after your death. At that point, the trustee will be able to sell any investments/assets that need to be liquidated and once the cash is available, the trustee will write a check as you have directed.

You can also list a bank or an attorney as your trustee. This is a good idea if you don't have a trusted person to handle this for you at death. There is more oversight when you have an entity like a bank serving as trustee, although the cost tends to be higher too.

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All I could find is trade in value and that's 5-6k

This is probably the right answer.

Still, if I walked away from things I didn't have experience with, I would always be walking and never learn a thing.

Make sure all cash in any account (number of ACCOUNTS doesn’t matter) is INVESTED. You are correct 15% for 401k is great. Roth is the best if you are not over the annual income.

File a consumer complaint with https://www.usa.gov/consumer-complaints

You can still contribute to your 401K while you’re on OPT or H1-B. Not sure why people are giving you grief. If you’re not selected and need to leave you can still wait till 59 or so to withdraw it or do it immediately and receive the penalty. There’s no harm to contributing to 401k even if you don’t know your long term plan.

I can’t address your original question though. I’m not an expert.

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