[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?

[BrokeAssMillionaire]

 Life is good and Trump is what I was expected for the stock market. Kinda risky but I am not worry. It's just a bonus with/without it. Finally, two more weeks to end my 11 months vacation and start retirement. 

I usually plan ahead before apply for mileage cards. If I plan to go somewhere, I would look to see what airplane and what visa would get better point for it   then cancel after a year. Credit score seems not matter to me. I usually get over 840 points up. So when you apply for a loan, they scan your credit and bank record to see your assets and look like you have cash in the bank or stock accounts, they don't care much. As long as you have at least 820 points, you would get the lowest interest.

Planning to return to Tahiti one more time, I like it here better than Hawaii. It's similar as Hawaii where people are more friendly. It's cost more to travel to Tahiti    at least 5K for a week trip.

Anyway, Trump has pumped more cash to my account   The loss in 2022 was recovered in 2023 and 2024 keeps growing to what I have expected. Probably keep for 2 more years, then rollover all to CD with min. interest at 4%, this annual interest is enough to enjoy that I won't have ever to touch any cash.




If you invest in stock market, pay attention to FAS. If the market ever crashes in the future, go all in for FAS   I have reserved cash to ready get in FAS again if market crashes. I am thinking to sell what I am holding if it keeps going up to $200. Otherwise, I can hold for while without problem.

[TiểuHồLy]

How was your Middle East travel?
The volatility of Tesla stocks affected your disappearance on VietBest, eh?

Yes, I agree. Mr. Trump has made some promising signs for the stock market. 
My 401k went up after the disaster of being frozen.


Thank you for your valuable input. I prefer to stay home and take care of my own business rather than travel worldwide unless it is required for business. Everywhere isn't the same as Home Sweet Home. 

I'm still using cash rewards; it's my best solution now. American Express just sent me an offer for 150,000 points earned if I spend $8k within 6 months and $695 for annual fee charges. I need your opinion(s) on this matter when you can.

It seems you're a voyager, eh? Please do so while your health is in good condition. $5k for a week's trip isn't bad at all. It's worth it to breathe the fresh air of nature, which is refreshing. 

If the investor(s) are not greedy and want peace of mind, I think CDs with high interest rates are best. 

I appreciate your advice on the FAS. I am going to study more before reserving bucks for it. 

On a side note, what is your plan when you retire? According to social networks, most retired men return to Vietnam to live heaven-like lives. So do you?

Take care, brother 

[BrokeAssMillionaire]

Didn't travel anywhere after VN trips. Was busy to take care retirement application and purchased service credit to get more pension 

Doesn't matter gain/loss of Tesla at the moment, I plan to hold for 3-4 more years then sell everything to put in CDs. Assume 4% of CD would give me at least 200k/yr include the pension. Then additional SSA at 62 would be a killer. With this amount, it's like heaven in US. Why live in VN for? My free healthcare won't cover out of state, would have to pay more if not in state.  I guess those men retirement can't survive in US, so they choose to live in VN. Even I don't have enough money, I won't live in VN. The air pollution is so bad and the food would kill you soon    Travel to VN is fine with me but living is not ideal for me.

I have never applied any card with annual fee over $100. AE is too expensive. If you're spending over 200k/yr, it may benefit you. Otherwise, United Mileage would take you anywhere and hotels. For domestic, I travel with Southwest more often and American Air sometimes, so these are the two cards I usually have. Chase sapphire preferred is good too but I don't like it to pay for travel so I usually cash out. It's really depend your location to see with airline that you would flight a lot, then go for that card. United Mileages is good for international, too expensive for domestic.

I have bought/Sold FAS couple times in the past but have been holding for while, good dividend every quarter. I begin holding cash in SPAXX until stock crash then I am all in FAS for the last investment of my life, SPAXX is less than CD a little where is around 4.4% right now, you can sell anytime and payment is every month.

With Trump in office, we may see market roller coaster like last time   I think I will sell all before his term end.

[TiểuHồLy]

You're so naive.  
Sorry, I'm just pulling your leg.  

Is the retirement application complicated to complete? 

Wow! Everything you say is fascinating, as I am not at that stage yet; I am a bit envious of your retirement life. 

Healthcare is a priority for our lives. 

Somehow, we have the same perception about Vietnam's life. 

As you reflected, I have to cease the credit card application even though I am halfway through working out with AE's representative to complete it. 

It's difficult to predict the future stock market's surging or shrinking while Mr. Trump is in office. Like last term, he got stuck with CoronaVirus. By the way, he plans to be the third-term presidential candidate, but who knows? 

Have you ever thought of these stocks: Genelux Corporation and SAB Biotherapeutics?

 Brother.

[BrokeAssMillionaire]

Well, retirement application is easy of the last step but need decision what to do in case I am no longer exit    However, stock market was another issue that holding me back. They allowed me to purchase service credit for $114k in order to get additional $1900/month, it's not bad, I can recover 114k in 5 years then enjoy that extra after that. It's a life time until I die.

While I applied purchase service credit, the application was 1/2 way complete where I thought it was done. After a month of nothing going on, the stock market drop where my 401k hit a loss negative 150k, it was gained 200k 2 weeks before. I was pissed because they didn't have clear direction of what to do since there were 2 different companies. So I gave them a call to find out what happen then they told me I had to do it again    Only 3 months left where I had to make decision as quick as possible but the dam market was still down. I was frustrated and didn't want to give up the loss so I decided to play russian roulette daily with the stock market. All the paperwork was ready to submit and a phone call would complete the process. 2 months left and stock wasn't up, time was closing in for me then finally the stock market was up for a week where my 401k gained 250k. I called them to authorize the sell a portion of my 401k for $114k to pay for the service credit. However, they didn't sell right away after I submitted to execute the paper, I was nervous for 3 days if the stock market down again  then finally I got approved and they sold part of my 401k. Phew, the retirement application was complete after that.

Another issue at work too, this was the final process. You know, state employee is lazy, they know what to do but they don't tell you until you ask  they assume you know everything. The communication at this time was kinda odd because they changed the company login process that I couldn't check my email so everything had been delay. Because of 11 months vacation, I missed calculation of my vacation so I ended up 10 hrs more of vacation and 2500 hours of sick leave. I needed to direct them what to do so I decided to cash out 10 hours and convert 2500 sick leave for additional $300 on pension. This was sweet. All the process above need complete in order to start my pension payment the next day after my last company payroll so it won't get delay.   It's also relate to my free healthcare too where I am no longer pay $120 monthly.

Go for United Mileage, my friend spending around 200-300k/yr for his business so he always uses united point for vacation for a family of 4.

The stock market has been up so much that I am afraid it would crash in the next 4-6 years. This is the reason I am saving cash for all in FAS next time and put in CD at the moment. Doesn't matter the wait time 4-8 years. So I didn't pay attention to any stock. The Tesla an FAS that I am holding at the moment would be sold soon but not sure when yet, of course before market crash. For FAS, stock down FAS down, stock up FAS up so when it's crash, I would jump in, this would be my last investment. My target price is between $20-50, and quarterly dividend is decent.


Sometimes, I calculate every penny but I am doing it while it's allowed so my friends call me "trùm sò"  However, I am spending regardless the cost to enjoy when on vacation.

Let cross the fingers and hope for the market is doing good until Trump is out 

[TiểuHồLy]

I'm sorry to hear that you were struggling with the progress of the purchase service credit, aka CalPERS. Now you know why I asked how your Middle East travel was, eh?  

The re-elected Mr. Trump encouraged markets to regain euphoric territory.

I sincerely appreciate your advice on United Mileage.

That's a masterpiece of "Trùm sò.," aka frugal. Here is what social networks comment about ultra-wealthy but cheap millionaires: "Typically, wealthy individuals grow up with little or nothing, and the thought of returning to that state is a powerful motivator. They want a sense of entitlement that comes with extreme wealth, incredibly protective of their wealth, so they hold onto it with a death grip, even if it means being cheapskate millionaires in other areas of their lives." Oh well, do whatever that buys you happiness or fulfillment.

Yep! Let's cross our fingers for a bright stock market. Hopefully, the world war won't cause any volatility or fall in the stock market, and Mr. Trump's promised strategy will take place in order.

I am wishing you a wonderful weekend with your loved ones.