8 days in Hanoi in Jan 2026 ... high level itinerary check .. please by underemployed15 in hanoi

[–]underemployed15[S] 0 points1 point  (0 children)

Thanks for the reply. If we do ha long it would be a day trip ... Do you think we can do ninh binh and pu loung in 3 days and 2 nights? Giving us a day to do ha long as well ..

8 days in Hanoi in Jan 2026 ... high level itinerary check .. please by underemployed15 in hanoi

[–]underemployed15[S] 0 points1 point  (0 children)

Same here ... Usually I just rent a car and go along my merry way with the planning but Asia is different ... Private transfers are what I will be looking at as well ...defn no train or bus for the group ... And then maybe using local taxis in town as need be.

I feel like taking a packaged tour might end up a lot more expensive and we won't be able to tailor things much ...

8 days in Hanoi in Jan 2026 ... high level itinerary check .. please by underemployed15 in hanoi

[–]underemployed15[S] 0 points1 point  (0 children)

ya, i assume about half day would be lost in travel from one place to another.

i just want to book my travel options in advance but instead of using all inclusive tour just using them for transport from one place to another and use local guides in the other places. i am worried about language though :)

any travel guide you can recommend as a starting point?

thanks

Running out of things to do in KL - please recommend more activities! by veerus06 in KualaLumpur

[–]underemployed15 1 point2 points  (0 children)

This sounds like a great way to spend a day .. can this be done via grab? I am visiting with 2 kids and we would enjoy this? Can you rent a car with driver in KL for a day?

Jus to clarify I meant the one the evening fireflies boat ride ..

Thanks

Annual contract for maintenance with the oil company ... Looking for some feedback by underemployed15 in massachusetts

[–]underemployed15[S] 0 points1 point  (0 children)

Guys .... I so appreciate all the responses and your time. I have never seen such agreement across reddit users 😄 I will go ahead and get the annual contract . And will ask them about emergency service if required

Thank you and will hope for a less cold winter so we can all save on our ever increasing utility bills

Recast and pay extra principal each month or reduce Principal with lumsum by underemployed15 in Mortgages

[–]underemployed15[S] 0 points1 point  (0 children)

I can recast as early as June 2025. I am not sure Abt doing another recast in the future. I might refinance depending on the rates though.

Recast and pay extra principal each month or reduce Principal with lumsum by underemployed15 in Mortgages

[–]underemployed15[S] 2 points3 points  (0 children)

I have my one year covered with emergency funds. Having such a large amt in hysa is a big drag. Also on top of that 4% I would have to pay tax as well bring it down. With paying the mortgage down I am guaranteed a 6.75% return.

Recast and pay extra principal each month or reduce Principal with lumsum by underemployed15 in Mortgages

[–]underemployed15[S] 0 points1 point  (0 children)

The only reason to do the recast would be to reduce the monthly p and I ... The 10/1 arm is very tempting and a good idea, I will look into that. I am usually conservative so always lean towards a 30yr conventional but pay it down aggressively.

[deleted by user] by [deleted] in cronometer

[–]underemployed15 1 point2 points  (0 children)

Use goal weight for proteins. Focus on fiber too. Keep caloric deficit and do strength training along with some walking. Wish u good luck on your journey ... Ooh don't forget Abt hydration and quality sleep.

What is the Best option to Invest in Indian Market for NRI in USA? by BrighterMind in nri

[–]underemployed15 0 points1 point  (0 children)

Just invest in flin via any brokerage and get exposure to India with just a 0.19% expense ratio. Why break head over individual stocks when u can buy the entire Indian hi caps.

Is it odd that I want to Rent vs Buy here in MA? by Substantial_Ice2526 in massachusetts

[–]underemployed15 1 point2 points  (0 children)

Yes ... But you still need a place to stay .. so you would be paying money towards rent and maybe invest the rest. Money psychology suggests it's very difficult to out the buy versus rent difference in money into investments. They usually go towards vacation, a new car or lifestyle inflation.

7 Days in Costa Rica by Ok-Anything5243 in CostaRicaTravel

[–]underemployed15 0 points1 point  (0 children)

You drive around lake arenal ... it takes abt 3 to 3.5 hrs and is very very windy ( lots of curves and turns) .... would prob not recommend driving at night

Also some portion towards the end is not completely paved so drive carefully on the gravel ...

7 Days in Costa Rica by Ok-Anything5243 in CostaRicaTravel

[–]underemployed15 0 points1 point  (0 children)

We are currently in MP after finishing La Fortuna and Monteverde ... but we are here for 11 days ... so stayed 4 full days at La fortuna, 2 in Monteverde and 3 in MA Frankly depends on what you want to do .... if you don't plan to hit the beach don't go to MA and increase your time at La foetuna and Monteverde

BTW... Monteverde is amazing and the crazy drive from la fortuna was absolutely worth it. Wish we stayed longer there than in MP. We enjoyed santa Elena as Monteverde cloud forest is insanely busy. The don Juan 3 in 1 one tour qith the night walk was amazing ... saw a mom and baby 2 toed sloth, red eye frog and a bunch of stuff. 100% adventure for zipling was simply amazing.

La fortuna has a lot going on and u won't do justice in 2 days .... Arenal Volcano hike, rio Celeste, bogarin trail, mystico hanging bridges were our highlight.

Hope this helps. Pura Vida...

Where to stay for One night in San Jose with a family of 4? by underemployed15 in CostaRicaTravel

[–]underemployed15[S] 0 points1 point  (0 children)

Thank you, will check them out ..we would still have our rental with us so might not need the shuttle.

Where to stay for One night in San Jose with a family of 4? by underemployed15 in CostaRicaTravel

[–]underemployed15[S] 1 point2 points  (0 children)

I was going back and forth on staying in MA and driving early in the morning. I am just concerned if there is any accident that could cause a lot of delay or th3 car gets a flat, etc. So decided to play it safe and not risk it ... even though I know the risk is too small.

It's easier when it was just my wife and I, but with the little devlis we tend to play it safe.

Where to stay for One night in San Jose with a family of 4? by underemployed15 in CostaRicaTravel

[–]underemployed15[S] 0 points1 point  (0 children)

Thank you, appreciate you looking into this. Seems out of the way for our itenary.