You could still ask for bank account info, even if it is in Japanese, employee ID, passport info, visa info, information about where they live in Japan, pay stub, etc, you might also google their name and company info and see what comes up.   

As an experienced owner of a real estate brokerage, a property management company, flipper, investment property owner and active stock trader, these are some of my thoughts:You don't need 20% down to purchase a home.

If they're coming in the house in mass quantities, they're probably not ACTUALLY ladybugs, but rather Japanese Ladybeetles. related, but the Japanese Ladybeetles do bite, are a bit bigger, tend to come inside in the winter and occur in massive hordes. https://www.abchomeandcommerci...dealing with them is a bit different.But to your larger point...yeah. if you live on a lake there just ARE bugs. it's part of the 'charm'. 

I have some cute Trader Joe's cards and I could certainly just write from the heart, but I didn't know if there are any points I should include or avoid with my first contact? 

I'm already in the stock market as a day trader now so I'm not putting anything else there.

Many of us traders expect to end the year at 8% or higher..... wild.

My co-workers and I always joke about how awesome it would be to work at Trader Joe's or be the guy who comes in and waters our plants.

Oh, if there are any Seattleites willing to trade RE intel/mentorship for fly fishing lessons, I'm your guy! 

Please also feel free to reach out between now and February if you need some of the delicious Japanese treats sent your way!

As a Futures trader our main concern is with the Fed printing endless "Stimulus Money" which keeps the Stock and Futures Markets moving up.