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John Shrall

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John Shrall last won the day on February 28 2023

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    Ajijic 19 years
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    Photography, computers, tennis

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  1. I've been using ESET for many years with no problems. It's minimally invasive unlike the bloated McAfee and Norton products. Multi-device subscriptions are available.
  2. Why don't you start a new thread instead of hijacking this one?
  3. It looks like clouds will be around for a while but with overcast skies all day ajijicweather said we topped out at 73 degrees. https://www.windy.com/-Satellite-satellite?satellite,20.676,-103.347,5,m:eyMaekD
  4. Mostly CEDE but I've been making monthly CETE deposits and staggering terms. Cetes Directo does withhold ISR at maturity so that part is the same as Multiva CEDES. For the past couple of months, 12 month CETES were paying less than 6 or 3 months. I'm not sure what that means. CETE rates have been dropping slowly since last October even though the Mexican policy rate has been steady for many months at 11.25%.
  5. The dollar store in Ajijic used to sell a little plastic container of different sizes of O-rings. Maybe one of them will work.
  6. You can invest in CETES directly through https://www.cetesdirecto.com/SSOSVD_wls/ The CETE is more like a US Treasury T-Bill with terms of 28, 90, 180 and 365 days. There's lots of rules and requirements in order to open an online account and once open you are limited deposits of up to to 3,000 UDIs per month. https://coinmill.com/MXV_calculator.html#MXV=3000 Right now, that is about 21,400 pesos. There is a way to make larger deposits, but you have to go to a Bienestar branch in Tlaquepaque with a lot more paperwork and an e.firma from SAT. A CEDE is more akin to a certificate of deposit and will pay different rates for based on the amount. At Multiva you need over $1 million pesos to get the highest rate.
  7. Six month CEDE pays 11.55% at Multiva. Interest paid monthly. It's been the same for one year and with the national rate still hanging at 11.25% it will probably continue for a while. The replacement staff has not been great but my last visit to renew a CEDE was with a new guy that seemed to be a lot more competent than those who have recently left. You can only compare Schwab fixed interest investments to Multiva. Their daily account MULTISIBF-T has been paying about 10% for over a year. Wire money down, put it in the daily account and/or invest in CEDEs. The election in Mexico is in 4 months. Hopefully nothing bad will happen between now and then.
  8. Thanks for the reminder. Texas requires transmission of an FPCA application each year in order to receive ballots by email. The Dallas county office accepts signed FPCA applications by email so the entire process is electronic and only takes a few minutes to fill out the form, print, sign, scan and email.
  9. You'd need to open a browser and enter the gateway IP address. In the past the user was TELMEX and the password was the printed WEP.
  10. Made a wire transfer from Schwab to Multiva this morning. Received $17.02. The peso opened at $17.22 this morning and so far peaked at $17.38. It's currently at $17.28. This was the fastest wire execution I've ever had with the entire process taking about 3 hours.
  11. Eric just came to my house for repairs and to install a larger hard drive in my DVR so he is still active. I use Whatsapp to contact him although it sometimes takes a little prodding to get a response and action. 33-1016-7480
  12. Sections both north and south of AGS are toll roads with a portion of the new bypass also a toll road. The bypass cuota part is very smooth since it’s pretty new. Check it again in a few years.
  13. Hwy 54 from Zacatecas to Saltillo was a disaster a few weeks ago. The road was full of potholes and cracks. The road from AGS to Zacatecas was also in a state of disrepair so my guess would be the road heading to Torreon would be similar. The cuotas on the AGS route to Laredo look like they haven’t had any maintenance for a while. After 10 years or more it’s time to return to the SLP route. I wonder who is responsible for cuota maintenance, state or federal? It seems like money has been diverted from road maintenance to some other cause.
  14. If you use the tollways at all, the PASE card is a time saver as well as a way to minimize the amount of cash you need to carry for tolls. Many toll booths have toll tag only lanes which are generally either empty or move faster than the cash lanes. Figuring out which one is tolltag only is often a last-minute move left or right. No consistency. It does take a little time to figure out how to roll through the lane permitting the sensor to read and authorize the tag. Mexico doesn't use RFID technology prevalent in the US so it reads the tag slower. Cards were available at one point at Farmacia Guadalajara locations. The portable one is better. You can activate the card as prepay or postpay on their website https://www.pase.com.mx/ Prepay is as MC describes. You load the card with cash and use until empty. With a Mexican credit card you can pay per transaction at the tollbooth. No need to monitor the balance. Like many other things in Mexico the card generally works but often the tollbooth doesn't have a connection to authorize transactions, all of a sudden quits working (Monterrey to Nuevo Laredo was out last month), or if there is so much traffic, they start running cars through the booth designated for other direction. Sometimes the tollbooth attendant just shrugs and says it's broken. PASE also has a phone app used to track your activity and possibly if you are a prepay, make a deposit. I use my BBVA credit card so don't know much about prepay. It still amazes me the lack of cars that carry the tag. All trucks seem to have one but most cars I see sit in line and pull out cash to make the payment. Maybe it's just poor marketing or too difficult to add funds to the card balance.
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