[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. 

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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.