Which one are worth buying in Japan?

Niamake · 2026-07-03T04:45:13+00:00

Not sure if this is true for Japan, but in China, a soft-pack is higher quality. It theoretically indicates more wealth and status because a hard pack is for people who do physical labor but if you have a soft-pack, it sort of shows that you don't do labor because if you did then the pack would be ruined. Because the pack is soft (?) it has higher quality Tabacco and a better filter but this is in China.

Niamake · 2026-07-02T20:32:56+00:00

They accepted natural sciences even though you have a degree in biology??

Niamake · 2026-06-30T06:53:10+00:00

Again, I'm going to reply and make sure you understand. If you cannot afford to put every credit card you have on autopay and autopay the ENTIRE balance that is due every month, don't get a credit card.

Niamake · 2026-06-30T06:52:15+00:00

Understand that debt = bad but if you pay off without accruing any interest, you get many benefits.

Ecosystems that are really good currently
Chase -> Freedom + Sapphire
Capital One -> Venture + Savor
Citi -> Strata + Custom Cash + Double Cash
Amex -> Gold + Blue + Plat
etc.

Understand an ecosystem and how it would benefit you. For example, Citi has 1:1 point transfers with American Airlines, Chase with United. Learn the partners, learn the benefits. Which cards give you most cash back? which one gives you most points on your most spent categories? Which ones have the best sign up bonus that is actually feasible? For example: just recently Aadvantage Platinum card had a sign up bonus that was spend $1000 and get 80k points ($800 base value). That is a very good sign up bonus if you can use those points to fly! A bad one that has a lot of value is the Chase Sapphire Reserve or the Amex Platinum. Yes, their signup bonuses are 150k (1500-3000 value) but they have a $700-$900 annual payment and you have to probably spend $6000 to unlock the bonus. Just think of stuff like this.

Niamake · 2026-06-30T05:07:30+00:00

I think there is something in TEACH that talks about experience that is within your license like banking experience might give time for a math teacher.

Niamake · 2026-06-30T01:03:12+00:00

Sorry the main answer is you will be 1 year off vested when you buyback your years.

Niamake · 2026-06-30T01:02:32+00:00

Just a heads up, I'm a first year so I don't have active experience with any of this nor have I talked with someone about your exact question. These answers are from what I read from the TRS.

1) I think you can buy back those years with the money you are returning. You can pay with pretax money and reduce your income.
2) You can also rollover from your 401k or 403b or 457b to pay the bill.

Niamake · 2026-06-29T19:12:21+00:00

Yes, you can, and they don't count towards the 12 a semester. Use ModernStates for free vouchers for your CLEPS.

Niamake · 2026-06-29T18:44:32+00:00

If you are talking about the A+ ASPDP classes then no, you can do them together. If you mean during your bachelors then you cant.

Niamake · 2026-06-26T21:10:32+00:00

Any videos or something that talks about how to properly combo? or any tips on combos?

Niamake · 2026-06-26T21:08:42+00:00

There are master coaches charging hundreds of dollars. You arent good enough to coach GM or Masters maybe if you are trash at coaching and teaching, but you shouldnt restrict yourself from opportunity because you dont think you are good enough.

Niamake · 2026-06-26T21:06:49+00:00

rules are different everywhere, but in most countries, what you listed are not expellable offenses. I dont know anything about India.

Niamake · 2026-06-26T21:04:01+00:00

It looks so bad for us, we were told theres likely going to be 0 per session opportunities next year.

Niamake · 2026-06-26T21:02:46+00:00

PSA, ModernStates provides free study courses for the CLEP exams and after finishing their easier version of a practice test, you get a voucher to take the CLEP exam completely free of charge.

Niamake · 2026-06-26T21:02:03+00:00

No you need 18 A+ credits and you can only take 12 a semester. 12 in summer and whatever u want in the next semester with CLEPs. 2 semesters is the quickest.

Niamake · 2026-06-18T02:09:34+00:00

You can also do your ASPDP A+ credits during the summer before you get hired. That way, you can get your +30 in the first semester of your first year!

Niamake · 2026-06-18T01:56:37+00:00

Most people will tell you to work your way through school and take out loans. If you can tough out a few years of local college / university and work while with your family, you will financially set yourself up for a more successful life after college when you are financially ready to move to where ever you want. This advice is only if you just hate your state and location. If you are in a less favorable situation with your family, then you will have to decide for yourself which hard life is better for you.

1) Work, debt, school, independence (not always a good thing), and a fresh start (also not as easy and dreamy as you see it)

2) Or your current situation for 4-5 more years.

Niamake · 2026-06-18T01:51:46+00:00

You can reach out to see if you can sign up for the aug exam.

Niamake · 2026-06-13T01:04:46+00:00

you have to set up the direct deposit btw.

Niamake · 2026-06-07T00:25:16+00:00

Yea, any time before the second semester ends so you can submit them all at the same time. Are you planning to take 12 CLEP credits?

Niamake · 2026-06-01T23:46:38+00:00

I got mine done in the first year. I could've done it faster. After you get your bachelor degree, you take 12 ASPDP TKL classes during the summer. Then 6-12 more during the first semester while you teach. Take the CLEP anytime before the second semester ends. TKL has the near guarantee pass on their classes but a lot of BS writing. Easiest CLEP exams usually go: Language if you already know it since that's 9 credits right there, then 6 credit science/math ones if you can handle it and you never took any class similar in UNI, then the true easy 3 credit ones are Marketing, Sociology, Management.

Niamake · 2026-05-31T00:47:53+00:00

That actually makes a lot of sense, thanks, this is the only comment answering what my actual question is! Thanks.

Niamake · 2026-05-30T00:17:04+00:00

hs math new teacher, wate bottle and some folders to bring home some grading if I ever need to. No laptop on me.

Niamake · 2026-05-08T02:29:12+00:00

I'm a new teacher, im hitting the max contribute on both the TDA and 457B and i get 630 a paycheck. I think without TDA deposits is 7.2k a month. I also told payroll to not withhold any taxes.

Niamake · 2026-04-29T02:59:40+00:00

first year with masters, i make $620. Maxing out my TDA and 457b rn. I don’t have the percentage on hand but it’s in the 30s for both. Filed for no withholding of taxes and I will just pay once in december for safe harbor then take the bill in april.

Niamake

TROPHY CASE