[BrokeAssMillionaire]

I will take whatever is good 

For me, it's not like I don't have money but when it's free and discount, I would take it. By the way, I keep rotate visa cards for free tickets   They are greedy now like Chase Sapphire is 4 year for a new card after cancel. I cancel after a year and get a different one like Southwest, AA, United, and others.

Girls are complicate   One girl, I said no share account but allow to see statement of what I spend monthly, she refused. And another one refused because I want to manage the assets even I put her 100% on beneficiary.

Your cousins may work for county, city, or federal. Otherwise, the state 401k system is the same for everyone. I believe it's the second largest retirement system in US.

Speaking of boat people, anyone was poor and have no relatives had to eat anything they gave to you. Couldn't forget that I picked up dried fishes with maggots weekly where we had to washed again before cooking   It went on for 10 months like that on island. Money is just for fun   Co' nhieu xai bay nhieu, dung xai qua lo la duoc roi, va dung co phung phi.

[TiểuHồLy]

I will take whatever is good 

For me, it's not like I don't have money but when it's free and discount, I would take it. By the way, I keep rotate visa cards for free tickets   They are greedy now like Chase Sapphire is 4 year for a new card after cancel. I cancel after a year and get a different one like Southwest, AA, United, and others.

Girls are complicate   One girl, I said no share account but allow to see statement of what I spend monthly, she refused. And another one refused because I want to manage the assets even I put her 100% on beneficiary.

Your cousins may work for county, city, or federal. Otherwise, the state 401k system is the same for everyone. I believe it's the second largest retirement system in US.

Speaking of boat people, anyone was poor and have no relatives had to eat anything they gave to you. Couldn't forget that I picked up dried fishes with maggots weekly where we had to washed again before cooking   It went on for 10 months like that on island. Money is just for fun   Co' nhieu xai bay nhieu, dung xai qua lo la duoc roi, va dung co phung phi.

Is this one of your conspiracy theories?
I'll temporarily name it "Placer mining gold," eh? It sounds like you're accumulating mileage rewards from credit cards, right? Would you elaborate on it? I am using a Master/Visa and receiving minimal cash-back rewards, but I have been traveling more lately and would consider getting mileage rewards instead. Please share if you find a good one.

Really? My observation of mature girls is that they are often compassionate, respectful, and fervently contribute to the success of their families; it doesn't matter who handles the money. The justification for those you call "Complicated girls" is that most would be ambitious to take the empowered positions in the house to satisfy their ego and pride. We're lucky to live in a civilized lifestyle country; why don't you set a commitment between the two of you that will give the other a bit of privacy/trust/loyalty, etc., as long as it is not going to destroy the interrelationship? There's no necessity to surveil others, even a minor thing that might ruin your happiness. Reiterate my previous theme colloquially: if you're manipulative with money issues like that, you'll not find true love who tags along for the rest of your life.

You may be right! The county of Sacramento is a fit choice. I heard the controversy on social networks about working for the government being no struggle but getting paid well. 

Have you left VietNam when still in your frolicked age? The costs of freedom and hope of advancement are high to pay; the majority of boat people were half-dead, in anguish, or turned to cannibalism for survival. Let's bury whatever nightmares in the past; trying to forget those terrifying moments and appreciate destiny led you to a well-endowed life. Yes, I'll ignore the temptation to splurge but embed your "Prioritize Needs Over Wants" philosophy.

Have a delightful weekend, brother. 

[BrokeAssMillionaire]

I never do accumulating mileage rewards like others. Always cancel when it reaches anniversary. It's used to be first year no annual fee but they no longer offer that so you have to pay annual fee after first month. However, you can avoid annual fee when the first statement comes out. Most of Visa that has separate point account, it would expire 18 months after cancel the Visa. If I don't want to pay annual fee, I usually pay off after a few days then when I get the first statement, I call in to cancel the Visa, work well with Southwest and United Mileages. For other visa that doesn't have separate account, you have to pay annual fee, then cash out or buy air tickets. You would save more with air ticket than cash out.  

To accumulating mileage rewards, you need a big spending. Not worth if your spending less than 10k/year. I always have spending plans ahead so every time I spend over 1k to 5k, then I would apply a visa in order to get free tickets.  For chase sapphire preferred, I usually cash out $600 since it's only good if you go to Europe, doesn't save much for domestic. It's depend where you're going. I think United Mileages and American Airlines AAdvantage are good for domestic. United used to be cheap with international but kinda expensive lately. Southwest sometimes has good deal with companion pass where you can buy 1 to get 1 free, good deal usually last for a year, otherwise, you have to spend a lot of it.

For me, I have saved money to this point then I rather maintain it instead of someone else because I can't trust anyone.    I want to make sure that the money coming in is more than out. 

I don't remember exactly either 2005 or 2010, the salary for private and gov were way off such as same job gov:70k and private:90k. So they decided to adjust almost the same as private. That's where people started working for Gov. more than before. After probation, you never get lay off as private. I have a lot of friends working in high teach that got lay off, they all go for Gov jobs because it's the best benefit and less stress. All engineer position are 6 figure, IT getting close to 100k, and accounting is high too, behind the IT a little.

I guess I didn't know anything at that time, whatever parents wanted then you went with them and didn't realize how dangerous it was until later found out a lot people died. Life was hard at that time, we had to help out parents since 12 to survive. Compare to the 12 year old kids in US, they don't do anything except going to school. 

[TiểuHồLy]

I never do accumulating mileage rewards like others. Always cancel when it reaches anniversary. It's used to be first year no annual fee but they no longer offer that so you have to pay annual fee after first month. However, you can avoid annual fee when the first statement comes out. Most of Visa that has separate point account, it would expire 18 months after cancel the Visa. If I don't want to pay annual fee, I usually pay off after a few days then when I get the first statement, I call in to cancel the Visa, work well with Southwest and United Mileages. For other visa that doesn't have separate account, you have to pay annual fee, then cash out or buy air tickets. You would save more with air ticket than cash out.  

To accumulating mileage rewards, you need a big spending. Not worth if your spending less than 10k/year. I always have spending plans ahead so every time I spend over 1k to 5k, then I would apply a visa in order to get free tickets.  For chase sapphire preferred, I usually cash out $600 since it's only good if you go to Europe, doesn't save much for domestic. It's depend where you're going. I think United Mileages and American Airlines AAdvantage are good for domestic. United used to be cheap with international but kinda expensive lately. Southwest sometimes has good deal with companion pass where you can buy 1 to get 1 free, good deal usually last for a year, otherwise, you have to spend a lot of it.

For me, I have saved money to this point then I rather maintain it instead of someone else because I can't trust anyone.    I want to make sure that the money coming in is more than out. 

I don't remember exactly either 2005 or 2010, the salary for private and gov were way off such as same job gov:70k and private:90k. So they decided to adjust almost the same as private. That's where people started working for Gov. more than before. After probation, you never get lay off as private. I have a lot of friends working in high teach that got lay off, they all go for Gov jobs because it's the best benefit and less stress. All engineer position are 6 figure, IT getting close to 100k, and accounting is high too, behind the IT a little.

I guess I didn't know anything at that time, whatever parents wanted then you went with them and didn't realize how dangerous it was until later found out a lot people died. Life was hard at that time, we had to help out parents since 12 to survive. Compare to the 12 year old kids in US, they don't do anything except going to school. 

Nhìn 3 cái icons cừ thí ghét! 

Thank you for the specific explanation of the aspect. Mining the mileage and maintaining its' perpetuation are more intricate than I thought. In addition, I read the netizens' sparse controversy that customers must pay exorbitant annual fees and drastic changes to their credit scores when opening a new credit card, right? How long does it take to recover? Doesn't it look bad on your credit report if you often open and cancel the credit cards? If I earned mileage from Southwest/United Mileages, could I use it to buy air tickets from other airline companies? Could I use the business credit card to gain mileage and purchase air tickets for employees, or is it only practical for personal use? 

What a mastermind behind the money management, eh? Yes, I agree with your slant as long as you're happy. On the contrary, I have conscientiously found someone to maneuver my assets, but I am still impenetrable.

So, government jobs are more desirable in the sector and have better benefits than private companies. My cousin also notified me that there are not many new openings for the public, as the current employees refer to their relatives/friends before hiring is advertised.

After the country's unification in 1975, I perceived that most people lived in the South, seeking ways to escape to freedom, and more intense when the new leader's imprisoned regime was effective to The Army of the Republic of Vietnam (ARVN). Ironically, they had to pay bribes not to be captured or jailed. Later, those misfortune people became political asylum seekers who dealt with arduous and even gave their lives to destiny. Yes, endurance and sacrifices will be reciprocated for the next generations.

[BrokeAssMillionaire]

You should take advantage with business to earn the mileages. My friend is spending over 100k-300k each year so he always get free tickets for his family of 4 to VN every year and free hotel too. Every card to cancel, you lose 5 pts credit score   Mine credit score usually over 850 so it's pretty good. I think as long as you have over 700 is fine when it comes to mortgage and loan. Usually, it takes a year to recover the lose points as long as you don't have any late payment. Most are stay within their airline, you can't use it for others. I couldn't remember exactly since policy may change that they used to allow to convert points from one to others as long as it the same chase company but it wasn't worth to do. Southwest is most for Southwest airline and as United. Majority of airlines have their own visa so you need to apply for each of them.

If you plan to get a mortgage/loan next year then don't cancel because they would run credit report where they can see everything. However, cancel 1 card is fine. Don't cancel more than 5 cards    Yeah I used to cancel more than 4. Remember, good credit score only helps one part of mortgage/load processing, it's also relate to 20% down payment and income in order to get low rate.   

 Mastermind? I think everyone would do the same as me. Think about it, what if you have managed your asset over 20-40 years and have confident to continue to keep it growing, then why would you let someone else to control it? By this time, you're getting old and don't have more time to earn more if someone loses it all.    Whatever you do, make sure to have plan A and B in case something is not right.

Your cousin is partially correct. However, it's depend on which position. I had gone over 10 cities for interview and finally got 1 out of 10 interview. Your cousin may refuse to go to other cities because of family or other reasons. As far as I know, Transportation Engineer, Computer Programming, Databases, and Research Analyst are easy to get Gov. jobs since there are many available. Accounting may be a little bit hard to get in because too many people are in this major. There are a few tricks to get in that I have seen before where they apply for technician position then after a year of probation, then they can apply for engineer, IT, and accounting (these are the internal and lateral transfer positions) which it's based on their major. Most people at lower positions are moving after 2-3 years so usually they don't care over qualify since they encourage everyone to move around every 2 years.  Relative/friends referral is around 10% since everyone has to take exam and going through HR screening before getting interview. I have over 10 relatives and family are working for the Gov. after they got lay off from private.   it didn't look hard for them after a few interviews. If they listened to me over 20 ago, they would be better to retire at 55 1/2, now they have to work until 62 as a new policy. 

Majority of the North may be VC   However, those were end up in Hong Kong probably from the North because that the nearest location to escape. Southern usually ended up in Indonesia, Philippine, Thailand, and Malaysia.

[TiểuHồLy]

Aloha! 

what’s the best Phở here to your knowledge?
I will respond to your post in the next two weeks, ok brother?

[BrokeAssMillionaire]

Check with google and yelp, those are the two places I usually look at even I was in VN    Even in Orange country and San Jose, there are so many new restaurants that I haven't been to that pops up on youtubers.

Have fun and enjoy the summer. 

[TiểuHồLy]

Check with google and yelp, those are the two places I usually look at even I was in VN    Even in Orange country and San Jose, there are so many new restaurants that I haven't been to that pops up on youtubers.

Have fun and enjoy the summer. 

Sowyyyyy....

I picked randomly Phở. I tried Cửu Long II in Chinatown, 
Phở Minh Thư (2 times) few steps away from the hotel, and Phở Saigon is next to the Ala Moana shopping mall. They had their unique taste, but I liked Pho Minh Thu the most, it's savory right to my taste.

Your interesting mileage reward influx encouraged me to expedite the progress of the application, for accumulating the vast mileage; I should be better starting it immediately, eh? I am currently using a regular credit card to pay all business expenses. Last year I earned a couple of thousand dollars on rewards. I've found one with the SkyMiles for Business program, it offers Member PLUS; 5+ business travelers; $5,000 spent/year, and miles that never expire. I am unsure how much it charges for the annual fee and convert/transfer miles though. To your opinion, is this a good deal? Oh! How do you calculate and use the earned miles? Only five points negative to credit score? isn't bad at all. The FICO Score recently shows mine is 830. 

Um, I am not planning to borrow money from the banks for a while as I am a lender nowadays unless I am going to purchase this house (link: https://www.zillow.com/homedetails/2263-...4549_zpid/)

I have managing my assets since I was 15 years old. I am kind of tired of it and hope that someone will replace mine. I just figured out that glory and money don't mean everything beyond health and inner happiness. Don't worry, I always have tentative plans.
Those titles you mentioned above must go through the special process of hiring. Perhaps, my cousins work in the Technology Applications Analyst and Registered Nurse fields. It's seemingly the government job's policy and qualification for employment kind of complicated eh? but excellent benefits.

Don't you think Northern boundary people find ways to escape their "colossus statue" as well?