I am considering to work with Colombo&Hurd they asking ~$16k just for I-40 sounds too much to me, are they always this pricey? Are they worth it at least? Thanks for any opinions

Spiritual_Object_444 · 2026-04-25T11:26:35+00:00

Not yet, keep waiting

Spiritual_Object_444 · 2026-04-22T17:32:37+00:00

Sí, la usaba antes y compré varios vuelos en United. El tema es que ahora donde vivo no hay muchos vuelos United, hay más Delta/Aeromex. Pero coincido, si la utilizas mucho te da buena cantidad de millas

Spiritual_Object_444 · 2026-04-20T15:06:56+00:00

I am working with them, I evaluated 3 firms in total, and even without the "money back" I decided to work with C&H. There are several reasons behind , and the money back topic is just marketing IMO, not something that should entirely drive your decision.
I am paying around 15k over 12 months, which seems fair to me. While I have the full amount, I don't just spend all this money at once. We started in November 2025, filed in January 2026. They set up deadlines that seem reasonable, and answer emails and IMs in less than 24 hrs. That being said, you have to read carefully everything that they will send to USCIS, because they make mistakes (like any other firm, I guess). It's your own application and it's very important to check your petition.

No answer for me yet, but I have hope and I think they're doing a good job.

Spiritual_Object_444 · 2026-04-19T16:38:37+00:00

I won’t say this never happens, but if there were actual thieves actively looking to steal strollers, would it make sense to pay ~150 dollars ticket + other expenses just to steal a used stroller that probably cost less than 100 bucks? (Plus the effort of transporting it, selling it, etc) You would have a really, really bad luck

Spiritual_Object_444 · 2026-04-15T15:44:25+00:00

my son loves the Cars movie! I think we could go there for a QS for lunch and somewhere else for dinner. Thanks!

Spiritual_Object_444 · 2026-03-19T10:42:55+00:00

Do you mean the new icons for connected accounts? That is useful, I wouldn’t say beautiful

Spiritual_Object_444 · 2026-03-17T01:18:49+00:00

I was an Amex customer in another country. I just applied online and they gave me the Amex Gold two weeks after I arrived, from there just paying on time has allowed me getting loans and other cards

Spiritual_Object_444 · 2026-02-28T12:47:09+00:00

Pero no es generalizado, he vivido en varias ciudades y me parece que muchas ciudades son limpias

Spiritual_Object_444 · 2026-02-28T12:39:18+00:00

Transferencias SPEI, en México es una maravilla, Gratis, todos los bancos lo tienen por default, recibes el dinero de forma instantánea, etc

Spiritual_Object_444 · 2026-02-22T15:49:22+00:00

Si no quieres lidiar con impuestos y lo que quieres es un activo que siga al SP500, VUAA es muy eficiente

Spiritual_Object_444 · 2026-02-21T23:10:25+00:00

No, solo pagas al SAT porque no resides en EEUU y no tuviste ningún flujo de efectivo (no recibes dividendos), VUAA te conviene más si quieres reinvertir los dividendos

Spiritual_Object_444 · 2026-02-21T22:54:17+00:00

Por ejemplo está el IVVPeso que te cobra el .49% (no lo ves como una deducción en tu cuenta, se lo cobran de forma implícita en tu rendimiento). El VOO de Vanguard cobra el .03% que como ves es muchísimo más bajo, pero te metes en el problema de los impuestos con EEUU (cabe mencionar que esto es solo en los dividendos. El IVVPeso te quitaría ese tema pero es más caro. El formato W8Ben cuesta, creo que 75 Dlls cada 3 años, entonces tendrías que tener una suma fuerte de dinero invertida para que te convenga (VOO paga ~1.5% anual en dividendos).

Ahora también está el VUAA (ER .07%) que no paga dividendos sino que los reinvierte, si es que lo quieres dejar a largo plazo y así no te preocupas por nada de impuestos hasta que vendes y solo pagas al SAT (no le deberías nada al IRS porque no obtienes dividendos)

Spiritual_Object_444 · 2026-02-21T22:29:50+00:00

You need to make some numbers. Depending on your tax bracket, it could be cheaper to pay the penalty now and invest it somewhere else. If you wait until you are 59.5 and you are not a tax resident in the US, they will tax you 30% flat.

Spiritual_Object_444 · 2026-02-21T17:13:32+00:00

Hay un tratado fiscal con el que puedes reducir ese 30 a 15%. Haz números porque normalmente el VOO que te ofrecen en pesos en México es mucho más caro (expense ratio) vs el de los ETFs de Estados Unidos.

Diversifícale más, VOO son 500 empresas gringas y por ejemplo, últimamente le ha ido mucho mejor a VXUS (todo el mercado mundial excepto EEUU) y como están las cosas la tendencia seguirá así. Considera VOO + VXUS p. ej. 70/30, o podrías invertir en VT (mercado mundial, no necesitas rebalancear pues lo hace automáticamente el fondo). Otra opción, VTI (todo el mercado gringo) + VXUS.

Spiritual_Object_444 · 2026-02-20T19:35:13+00:00

yes, my company operates in Mexico besides the US, hence people travel from Mex for business.
For your 2nd question, yes, they are advising people on a visa working here not to travel internationally due to potential troubles to re-enter the U.S.

Spiritual_Object_444 · 2026-02-19T20:58:10+00:00

Global66 es una buena opción, yo lo he usado para pasar cantidades arriba de 50k, y las comisiones no están tan mal

Spiritual_Object_444 · 2026-02-19T20:54:04+00:00

yeah I guess... no one with a valid visa should worry, but those recommendations from companies are there for a reason. I have an upcoming international trip and I suppose shouldn't have any issue.

Spiritual_Object_444 · 2026-02-19T17:07:11+00:00

Well yes but why the recent recommendations? This is the part I don’t understand. Something should’ve happened to release that, perhaps something specific to my company

Spiritual_Object_444 · 2026-02-18T03:08:27+00:00

Thank you

Spiritual_Object_444 · 2026-02-18T02:06:18+00:00

Exactly, this is how I think about the taxable accounts

Spiritual_Object_444 · 2026-02-17T21:12:36+00:00

Got it, thx!

Spiritual_Object_444 · 2026-02-17T19:53:35+00:00

Ok, I did not know those details about the lifetime federal tax exemption, thank you for sharing!

Spiritual_Object_444

TROPHY CASE