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Re: Have you ever actually used Paypal to pay a pal?

The OP is usually pretty clear: More generally: within the last couple of years, have you been in a situation where you needed to pay an acquaintance--that is, someone with whom you had some relationship other than the purchase itself--and used PayPal or some other similar electronic service to do ...
by rylemdr
Sat Feb 04, 2012 2:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever actually used Paypal to pay a pal?
Replies: 38
Views: 2279

Re: Have you ever actually used Paypal to pay a pal?

I don't think the OP understands that the intended name for PayPal has nothing to do with your pals. The name PayPal denotes that the company is your "go to" payment service. It is more, "PayPal is your best friend for making payments", rather than, "PayPal is used to pay yo...
by rylemdr
Sat Feb 04, 2012 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever actually used Paypal to pay a pal?
Replies: 38
Views: 2279

Re: A Credit Score Adventure

I would recommend reading up on creditboards.com.

If you come to the bogleheads for investing advice, you go to the creditboards forum users for all the info on credit.
by rylemdr
Sat Feb 04, 2012 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: A Credit Score Adventure
Replies: 25
Views: 1851

Re: Frugal Use of an Amazon Gift Card?

If you're willing to sell the gift cards for cheaper, I'm definitely willing to buy :D
by rylemdr
Fri Feb 03, 2012 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Frugal Use of an Amazon Gift Card?
Replies: 23
Views: 1978

Re: The Sovereign Man?

market timer wrote:
rylemdr wrote:I've found very little to no information about tax avoidance in the form of using tax havens and shell companies in the internet :lol:


Step 1: Make millions.
Step 2: Find tax havens.

Until then, enjoy the crumbs of middle class tax avoidance.



Exactly my thoughts!

No harm in dreaming though :p
by rylemdr
Fri Feb 03, 2012 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

Re: The Sovereign Man?

I've found very little to no information about tax avoidance in the internet though. Some of the best schemes are discussed regularly here: optimal asset location, backdoor Roth, 401K, tax loss harvesting, savings bonds for college education, saver's tax credit, mortgage interest deduction, college...
by rylemdr
Fri Feb 03, 2012 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

Re: The Sovereign Man?

You might enjoy reading/listening to some of Jimmy Rogers books like http://www.amazon.com/Adventure-Capitalist-Ultimate-Road-Trip/dp/0812967267/ref=ntt_at_ep_dpt_4 and/or http://www.amazon.com/Investment-Biker-Around-World-Rogers/dp/0812968719/ref=ntt_at_ep_dpt_3 Remember to buy them through the b...
by rylemdr
Thu Feb 02, 2012 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

Re: The Sovereign Man?

I think the prices he charges are excessive too. I don't plan on paying for the extra information he offers. I've found very little to no information about tax avoidance in the internet though. Most websites that pop up are criticisms against it. There aren't any "how to's" or any detailed...
by rylemdr
Thu Feb 02, 2012 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

Re: The Sovereign Man?

I am not bitter towards my country. Valuethinker is right when he talks about a species of entrepreneur that thinks the worst thing in the world is paying taxes. I guess I am one of them. There is also an article about rich Americans renouncing their citizenship because of the global taxation that t...
by rylemdr
Thu Feb 02, 2012 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

The Sovereign Man?

I've been reading up a lot about offshore accounts and reducing taxes lately. I'm been worried that my country(not saying which one to avoid making this a political post) is not going the way I would like it to(to be honest, I guess it's not going the way I think would benefit ME the most). I stumbl...
by rylemdr
Thu Feb 02, 2012 4:22 am
 
Forum: Personal Finance (Not Investing)
Topic: The Sovereign Man?
Replies: 43
Views: 2243

Is it rude to speak in a foreign language in the workplace?

Recently, a co-worker told me she felt I was being rude when I was conversing in my native tongue with another co-worker because she could not understand us. The three of us were not engaged in a conversation in the first place when I started talking to this co-worker in a foreign language other tha...
by rylemdr
Mon Jan 02, 2012 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Is it rude to speak in a foreign language in the workplace?
Replies: 97
Views: 6554

For business purposes, Chinese can be used in Hong Kong, Taiwan, Macau, and Singapore. I am no expert on the Chinese language(s) but have had some exposure. When people currently talk about learning Chinese, it seems that they are really talking about learning Mandarin. I am skeptical that there is...
by rylemdr
Sun Oct 02, 2011 7:36 am
 
Forum: Personal Consumer Issues
Topic: Should you teach your kids Chinese?
Replies: 67
Views: 4644

In my opinion, Chinese is the best language to learn for an English speaker. With over 1 billion speakers, it is the most widely used language in the world. For business purposes, Chinese can be used in Hong Kong, Taiwan, Macau, and Singapore. All booming cities/countries in Asia. China is a rising ...
by rylemdr
Sat Oct 01, 2011 6:29 am
 
Forum: Personal Consumer Issues
Topic: Should you teach your kids Chinese?
Replies: 67
Views: 4644

Nurses.
by rylemdr
Sun Sep 18, 2011 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Part time health career for health insurance?
Replies: 15
Views: 1863

Re: College Student, No-debt, $20,000 Need Advice

I keep thinking about this post and I'm going to amend my advice. You already have an emergency fund. Presumably your salary is enough to live on and you're comfortable and not otherwise under any kind of financial pressure. The first thing you should do with the money is pay off any debts you have...
by rylemdr
Fri Sep 09, 2011 2:33 am
 
Forum: Investing - Help with Personal Investments
Topic: College Student, No-debt, $20,000 Need Advice
Replies: 14
Views: 1545

Ed 2 wrote:
Opponent Process wrote:
Sheepdog wrote:What's an I phone anyway?


the sum total of what this country's done in ten years.


Hey! What about Tweeter! :twisted:


And Phasebook!
by rylemdr
Tue Sep 06, 2011 10:34 pm
 
Forum: Personal Consumer Issues
Topic: I Don't have an Iphone!!!
Replies: 34
Views: 3329

Here it seems different. It seems as if a person's vote only counts towards his/her state, and the winner of that state wins the votes and the ones who voted for the other candidate loses. Am I understanding this right? The short answer is yes, you are understanding this right. The long answer is a...
by rylemdr
Tue Sep 06, 2011 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Please explain government election procedures.
Replies: 13
Views: 629

Thank you for the link. It still seems vague though. So, assuming we are only counting 3 states(to simplify things).. State A has a population of 1,000,000 and candidate A wins 99%. Candidate B wins 1% State B has a population of 60,000 and candidate A wins 49%. Candidate B wins 51% State C has a po...
by rylemdr
Tue Sep 06, 2011 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Please explain government election procedures.
Replies: 13
Views: 629

Please explain government election procedures.

I am trying to understand how politicians are elected to their respective seats in government here in the United States. I don't understand why politicians target individual states instead of individuals. Back in my country, every single vote counts as one point towards a candidate. Here it seems di...
by rylemdr
Tue Sep 06, 2011 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Please explain government election procedures.
Replies: 13
Views: 629

Try standard and poor's, moody's, and fitch
by rylemdr
Tue Sep 06, 2011 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Company credit rating list?
Replies: 1
Views: 232

Happy labor day!!

Happy labor day to all the moms(and soon to be moms)!!

We appreciate all the pain and suffering you had/have to endure to bring children into this world. :)
by rylemdr
Mon Sep 05, 2011 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Happy labor day!!
Replies: 6
Views: 515

Whether you're a bull or a bear, just remember not to be a hog :)
by rylemdr
Sun Sep 04, 2011 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long-term, are you bullish or bearish on the U.S. dollar?
Replies: 59
Views: 4851

Re: Accident with (almost) brand new car

cacophony wrote:My girlfriend was just rear-ended...


I was giggling when I was reading this part. :lol:

I'm sorry, I know it's immature but that made me laugh somehow. :oops:

Anyone else had the same reaction?
by rylemdr
Sun Sep 04, 2011 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Accident with (almost) brand new car
Replies: 20
Views: 3093

Help me plan my long-term dream.

My life-long dream: I have always wanted to leave a legacy before I die. I don't want my name to be lost in history, being a nobody that no one can remember. I am an ordinary guy, so I will most likely not be a famous athlete or a rock star. In my lifetime, I will probably not be a billionaire. I d...
by rylemdr
Fri Sep 02, 2011 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me plan my long-term dream.
Replies: 3
Views: 432

Bring it up with your fiancee.

If she agrees, then good for you.

If she does not, marry her anyway and then squander all your money(not hers) and just be a lazy bum until she divorces you.. then you can say,

"Ha!! Told you we shoulda gotten a prenup!!"

:D
by rylemdr
Fri Sep 02, 2011 3:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Pre-nup?
Replies: 205
Views: 20169

I agree, we were very lucky, but don't get discouraged! We thought it was impossible too. I was even contemplating on marrying a citizen just for the papers(expensive and illegal) if things didn't pan out. At least you guys can stay here. The worst thing that could happen is getting denied and sent ...
by rylemdr
Thu Sep 01, 2011 9:24 pm
 
Forum: Personal Consumer Issues
Topic: I just got my papers!! Yaaay!
Replies: 19
Views: 3214

Thank you all for the kind replies.

I don't like baseball so no chance of being a Yankee :lol:
by rylemdr
Thu Sep 01, 2011 3:56 pm
 
Forum: Personal Consumer Issues
Topic: I just got my papers!! Yaaay!
Replies: 19
Views: 3214

exeunt wrote:Congrats. :)


Thanks!
by rylemdr
Wed Aug 31, 2011 2:06 am
 
Forum: Personal Consumer Issues
Topic: I just got my papers!! Yaaay!
Replies: 19
Views: 3214

I just got my papers!! Yaaay!

My family and I moved here to the good ol' USA a year and a half ago. After a long time of applying to be immigrants, our papers have finally been approved! We are expecting to be permanent residents in a month or two. I can finally go back home, go to school(nursing), and come back here to work! I ...
by rylemdr
Wed Aug 31, 2011 1:04 am
 
Forum: Personal Consumer Issues
Topic: I just got my papers!! Yaaay!
Replies: 19
Views: 3214

Indoor or outdoor? Indoor: Get a philodendron. No flowers, but at least you probably can not kill it. Outdoor: Depends. I'm worried because fish are pretty easy to have ... if you do a few simple things like not feed them much (say once a month). You might be better off with a parakeet. I would pre...
by rylemdr
Sun Aug 28, 2011 5:14 pm
 
Forum: Personal Consumer Issues
Topic: What plant should I get?
Replies: 23
Views: 1818

What plant should I get?

I've been thinking of getting a hobby. A long time ago I tried to raise some fish, but that didn't turn out too well as I didn't know how(to be honest, I didn't bother to read up on it either) to balance the water for the right conditions for them to live. I plan to try again with fishes someday, bu...
by rylemdr
Sun Aug 28, 2011 3:57 pm
 
Forum: Personal Consumer Issues
Topic: What plant should I get?
Replies: 23
Views: 1818

I want to say,

"Yes. Go for it!"

Sad to say the economy is just too bad right now to be unemployed..

Stick it out for a bit. Apply for jobs while keeping the one you have now and make a switch when you get a decent offer.
by rylemdr
Sun Aug 28, 2011 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone ever quit their job without a job to go to?
Replies: 38
Views: 3724

metacritic wrote:$190 for 11 pounds suggests that it isn't the truly great stuff - the Bellota Pate Negra - which can go for 150 euros a kilo even in Spain!

And it is sublime. But you might be looking at a really good jamon Iberico, which is nothing to sniff at either.


I second the Iberico..

Heavenly...
by rylemdr
Sat Aug 27, 2011 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Anyone tried a Spanish ham?
Replies: 12
Views: 1579

Re: Visiting Seoul, S Korea- any advice?

The wife and I are going to stop in Seoul to visit a graduate school friend of mine and then continue on to Asia for a vacation early next month. We're arriving Friday night and my friend(he's Korean) is going to spent all of Saturday with us and we'll leave Sunday morning. We don't speak any Korea...
by rylemdr
Sat Aug 27, 2011 4:58 am
 
Forum: Personal Consumer Issues
Topic: Visiting Seoul, S Korea- any advice?
Replies: 10
Views: 888

Good news! I went to work today and I was telling my co-workers about this kitten, asking who wants to keep it. One of the doctors in the office overheard our conversation and offered to take it in and make sure it learns how to eat, etc.. Plus, one of my co-workers offered to take it when the kitty...
by rylemdr
Fri Aug 26, 2011 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Little kitten got left behind by mom and 5 other siblings.
Replies: 21
Views: 2323

Little kitten got left behind by mom and 5 other siblings.

I posted about 6 little kittens a week ago, now their mom just left this one kitten and took all the others. He/she is very tiny. I took a syringe and filled it with some milk and fed the kitten. He/she seems to be drinking the milk, but continues to cry. I tried calling the pound and no one wants t...
by rylemdr
Fri Aug 26, 2011 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Little kitten got left behind by mom and 5 other siblings.
Replies: 21
Views: 2323

Living in US-Canada border town?

My mom was recently telling me about an aunt(distant) who lives in a Canadian(I don't know where) province near a US city. It is a border town, meaning it is a town near another country's border. She explained to me that this aunt is a Canadian citizen, but since she lives near the US, she just goes...
by rylemdr
Fri Aug 26, 2011 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Living in US-Canada border town?
Replies: 18
Views: 2741

Would it be safe to say that I missed out on the sales for this year? Should I wait until next year to buy a snowboard?
by rylemdr
Thu Aug 25, 2011 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Wanting to buy a snowboard.
Replies: 9
Views: 828

Wanting to buy a snowboard.

I have gone snowboarding(rental board) during the winter season last year and I enjoyed it very much. I decided to buy my own board to save money for the long term. I plan to go snowboarding this upcoming winter season and I want to get my very first snowboard. Because it is still the summer, I am e...
by rylemdr
Thu Aug 25, 2011 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Wanting to buy a snowboard.
Replies: 9
Views: 828

How about a (Bernie) Madoff room?

Hey, if you want the good, you gotta have the bad too ;)
by rylemdr
Wed Aug 24, 2011 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Thought you would all like to know this
Replies: 28
Views: 4717

I'm 29 now, bought 25 year term 3 years ago, and we're having our first kids next year. I decided to get it a few years in advance to hedge against health risk. Many would say that's probably foolish because the change in rates with 3-4 years of age aren't really going to change dramatically if you...
by rylemdr
Wed Aug 24, 2011 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: When should I get life insurance?
Replies: 11
Views: 1057

Thank you all for the replies. I was just thinking that if I get life insurance early, I could get a lower premium than if I would get it years later. I guess getting life insurance at 28 when I have some kids would not cost much more than when I am 21. In fact, the more I think about it, getting it...
by rylemdr
Wed Aug 24, 2011 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: When should I get life insurance?
Replies: 11
Views: 1057

When should I get life insurance?

I am 21 years old and I have no dependents. When should I get life insurance so I can ensure a low premium when I do have dependents? My thinking is that if I get life insurance now for 30 years, by the time it ends I would be 51. I plan on having kids before I'm 30 years old, so by the time my insu...
by rylemdr
Tue Aug 23, 2011 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When should I get life insurance?
Replies: 11
Views: 1057

I think an easy way to look at the culture thing of having to pay for your children's weddings and even college is this.. If you put your child through college and/or pay for their weddings(like in most Asian countries), you should expect them to take care of you when you are old(again, like in most...
by rylemdr
Tue Aug 23, 2011 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for Kids Wedding-Parity?
Replies: 84
Views: 6902

If you are Filipino, you pay for your sons' weddings, but not your daughters. If you are American, you pay for your daughter's wedding. Get your daughter to marry a Filipino and your sons to marry Americans, and you will pay nothing for any of them. It can't be fairer than that! P.S. I assume there...
by rylemdr
Tue Aug 23, 2011 2:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for Kids Wedding-Parity?
Replies: 84
Views: 6902

Re: Any bogleheads have a franchise?

Billy Pilgrim wrote:I am just curious.


Not this boglehead.. :(
by rylemdr
Tue Aug 23, 2011 2:03 am
 
Forum: Personal Consumer Issues
Topic: Any bogleheads have a franchise?
Replies: 18
Views: 3044

I would also like to recommend Nokia phones. Japanese phones are highly sophisticated/advanced and do not cost that much at all. You won't have problems with a Nokia in most countries in Asia.
by rylemdr
Tue Aug 23, 2011 2:03 am
 
Forum: Personal Consumer Issues
Topic: Decent (Cheap) Phone for International Travel?
Replies: 19
Views: 2709

I think you might find answers you really want to hear somewhere else..
by rylemdr
Tue Aug 23, 2011 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: What should I look for in a stock?
Replies: 49
Views: 3660

It's kind of sad for me to be thinking of putting down these kitties. They were just born not too long ago, and now their lives are going to end :(
by rylemdr
Fri Aug 19, 2011 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Found 6 kittens in storage space. What to do?
Replies: 55
Views: 4184

You could check for any local kitten rescue groups. They will take them in, spay/neuter them, give them any appropriate shots, foster them, and eventually put them up for adoption. Any chance you have 6 children? And one of the kittens is an albino? Hah! I'm one of the people who gets this referenc...
by rylemdr
Fri Aug 19, 2011 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Found 6 kittens in storage space. What to do?
Replies: 55
Views: 4184
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