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Luckily there are ways to use your i Phone abroad for free.

This requires no jailbreaking or unlocking i Phones.

i Message is part of any i Phone with i OS 6, 7, and 8 so most people will already have it.

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Just look at the status bar of your at the top of your i Phone.

If you see Wi Fi bars you are connected and it is free to text away. You can even turn off the cellular signal of your phone and data to be sure you will not be charged.

How to Text/Message/SMS From an i Pad, i Pod, or i Phone for Free Any apple device such as an i Pad or i Phone can be used to text using i Message.

All you need to do is login with the same Apple ID that you are currently using on your i Phone.

There are many texting apps that are free alternatives to i Message you can use as well.

For example, you can text/message in facebook, google voice, skype, meebo, Whats App to name a few over Wi Fi for free.

Vanguard the company is owned by the Vanguard funds. I a huge Vanguard fan, but I am not on their payroll and I have no financial interest in the company other than owning the funds I describe. Disclaimer: Like everything on this blog, this is only sharing ideas.

You might find an index fund in another investment company that is a bit cheaper.

You may not be able to text at any given moment but at most restaurants or cafes you will be able to connect. I always do and the server is happy to provide it to me.

You don’t even have to go inside and buy a drink, just stand on the sidewalk and connect. Of course Wi Fi can be used to make free calls over Skype and Google Voice.

Not only are they prone to making investing mistakes, their fees are a continual performance drag on the portfolio. Not only do you not need complex investments for success, they actually work against you. All three will be linked to your current employment and future plans. But even modest inflation levels will have drastically reduced its spending power. Maybe even a century if life expectancies continue to expand. Or maybe you want to leave some money to your kids, grand kids or even to a charity. Once you’ve sorted thru your three considerations you are ready to build your portfolio and you’ll need only these three tools to do it. But, as we’ve discussed, stocks are a wild ride along the way and you gotta be tough. Deflation is what the Fed is currently fighting so hard and it is what pulled the US into the Great Depression. The downside for bonds is that during times of inflation and/or rising interest rates they get hammered. It is the only investment company I recommend, and the only one you need (or should) deal with.

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