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Sallie Mae to DRB refinance - wrong allocation

Just did a major student loan refinance and went from Sallie Mae to DRB. DRB sends out a check to Sallie Mae and, instead of allocating it to the high interest loans, they use it for the low interest loans. Can this be remedied with a phone call? Or am I essentially stuck since Sallie Mae already us...
by Gemini
Sun Jul 27, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae to DRB refinance - wrong allocation
Replies: 2
Views: 167

Re: Dining table

Thanks all.

Ended up springing for 84" oak table. Got round back chairs as well. :sharebeer
by Gemini
Mon Jul 07, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1489

Re: Dining table

I like wood too!!

How's this : http://www.restorationhardware.com/cata ... cat2140116

I like the natural color.
by Gemini
Sun Jul 06, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1489

Re: Dining table

Going for the rustic look. We looked at some salvaged wood at reformation hardware - look so good, but expensive!
by Gemini
Sun Jul 06, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1489

Dining table

We are in the market for a dining table. I wanted to get input about how to go about selecting one, what material, etc. Looking for something around 80 or so inches and would prefer an extension. As I researched about them, they range from about 1k to 3k. Is this an investment or should one opt for ...
by Gemini
Sun Jul 06, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Dining table
Replies: 20
Views: 1489

Re: Student loan refinance - variable vs fixed

Thanks for clarifying and plugging in the numbers. Very helpful! I believe I can certainly handle $2911/month - I am just concerned about the "what if I for some reason I cannot" scenario. The 10 year plan like you mentioned does sound enticing - only downside is the 4K or so more one end...
by Gemini
Thu Jun 19, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

I considered refinancing my student loans as well (similar amount). I have all stafford loans and considered going to SoFi. I eventually decided against it because of some of the advantages that Stafford loans provide that SoFi does not. The biggest were that 1) if I were laid off I could easily de...
by Gemini
Wed Jun 18, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

OK, I opened my mortgage spreadsheet (downloaded free from the web) and ran some options just so we have some facts to work from. If you did $160K at a 5 year term at 3.5% fixed rate, your monthly payment would be $2,911. Your total interest payment over the five years would be $14,641. If you did ...
by Gemini
Wed Jun 18, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

When faced with the same proposition I decided to go with a variable rate because my wife and I plan to pay all the loans off within two years. For your five year timetable the decision is tougher. Sounds like you definitely want a ten year loan term in case you can't do it in five. My friend who r...
by Gemini
Wed Jun 18, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

If the loan is for a 5-year term, this can't happen; you will have fixed monthly payments for five years and they will pay off the loan on schedule. Therefore, you can't take a loan with a 5-year term unless you can afford the payments. If the rate is fixed for five years and then becomes variable,...
by Gemini
Wed Jun 18, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

If you are going to pay off the loan in five years, the five-year fixed rate makes the most sense. There is no point in taking a higher rate to get a longer term that you won't use. And the five-year variable versus five-year fixed is a risk premium. Given that the current difference between short-...
by Gemini
Tue Jun 17, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Re: Student loan refinance - variable vs fixed

How frequently could the variable loans change interest rates? Is there a max to the annual or monthly jumps? What is your current mix of loan amounts, length of loan, and interest rates? From reading the fine print, it seems the variable changes every 3 months based on LIBOR. Borrowers who take ou...
by Gemini
Tue Jun 17, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

Student loan refinance - variable vs fixed

I have significant student loan debt at relatively high rates and I am considering refinancing. When going through the process, I have the option of going for a fixed rate or a variable rate that is tied to the LIBOR. I realize the LIBOR is low now, but I am hesitant to lock in a variable rate and t...
by Gemini
Tue Jun 17, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan refinance - variable vs fixed
Replies: 16
Views: 699

free annual credit report

When going through the annualcreditreport.com website, it gives you the option of getting either one or all three credit reports. Is it better to get all three at one time or just one at a time? It says once per year so I am a little confused as to if I pick one bureau now, the rest will be lost as ...
by Gemini
Wed Jan 01, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: free annual credit report
Replies: 8
Views: 852

Books on medical practice

Are there any good books on the subject matter of how to open and run a successful medical practice?
I searched the net and get random results...was wondering if anyone had any recommended hidden gems
by Gemini
Sat Dec 21, 2013 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Books on medical practice
Replies: 2
Views: 298

Re: Spirit Air?

Oops I didn't even see this thread before starting mine. [^^^ I merged this thread into here. --admin LadyGeek]

Synopsis : Stay away from Spirit!
by Gemini
Mon Dec 09, 2013 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1852

Spirit Airlines is THE worst!

Sorry, but I had to rant. Spirit is by far the worst airline that I have ever encountered. I fly quite often and have been on many airlines, but Spirit is by far the worst. They charge you for everything (and I mean everything), have the worst record for being on time, and have the worst customer se...
by Gemini
Mon Dec 09, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1852

Re: New 401K Carrier - new fund options

Thanks for the replies guys. placeholder - no company plan for this year yet. I may have one soon in July of 2014. What would rolling this over into IRA accomplish for me besides having more choices? duckie - 403b was from a previous job - let's say job A. Since leaving job A, I worked at another jo...
by Gemini
Sun Dec 01, 2013 2:57 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 485

Re: New 401K Carrier - new fund options

Gemini , the following are the best/cheapest options in your new Principal 401k: ⋅ ( N/A ) Principal LargeCap S&P 500 Index Fund Separate Account (0.18%) ⋅ ( N/A ) Principal MidCap S&P 400 Index Fund Separate Account (0.18%) ⋅ ( N/A ) Principal SmallCap S&P...
by Gemini
Sat Nov 30, 2013 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 485

New 401K Carrier - new fund options

Hi everyone, Recently, the 401K carriers got moved from Fido to Principal. I wanted to get insight as to which are wise choices. I want something aggressive, like 85-90%% stocks and 10-15% bonds, with some international options thrown in. I have about 23K invested in the following and it was done du...
by Gemini
Fri Nov 29, 2013 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K Carrier - new fund options
Replies: 5
Views: 485

Re: Renting - The Boglehead Way

Talked to her about the $1 mil insurance on the lease - she had no clue about it. I am not sure what to believe, but I essentially changed it to 10K and she is okay with it 8-)
by Gemini
Sat Jun 22, 2013 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

Just read the contract again and they require a 1 million in renters insurance. I have never had renters insurance before. Who should I go with and about how much will this cost? Well if you go to geico you can probably get a quote... that said they only go up to $300,000... beyond that you have to...
by Gemini
Sun Jun 16, 2013 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

They also sent a W 9 form for me to fill out and this is where the security deposit will be kept. Is this standard procedure? Any downsides for me when filling this out? In many states, the landlord must keep the security deposit funds segregated, in separate bank accounts. The title on this bank a...
by Gemini
Sun Jun 16, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Home alarm security systems

Simplisafe vs fronpoint - anyone have any opinions on either of these?
by Gemini
Sun Jun 16, 2013 10:52 am
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2438

Re: Renting - The Boglehead Way

Just read the contract again and they require a 1 million in renters insurance.

I have never had renters insurance before. Who should I go with and about how much will this cost?
by Gemini
Sun Jun 16, 2013 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

Got the contract. Looks pretty standard.

They also sent a W 9 form for me to fill out and this is where the security deposit will be kept. Is this standard procedure? Any downsides for me when filling this out?
by Gemini
Tue Jun 04, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

Asked about lowering rent, and she said no - so whatever it's okay. It is already the cheapest rent in the neighborhood.

She will be sending the contract soon from her lawyer.

Should I get a lawyer as well to read the contract or is that going overboard?
by Gemini
Fri May 31, 2013 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Home alarm security systems

Thanks guys for the input. Reading some more about this stuff - very interesting. Do you guys have wired or GSM or internet or all of them as you preferred contact methods to the call center if something happens? The net recommends at least two of the three. Is is hard to do the DIY installs from pl...
by Gemini
Fri May 31, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2438

Re: Home alarm security systems

Thanks for the replies. Ideally, I would like to do it myself and go with a wireless system. I was researching a little and they certainly seem doable for an average person. The house has a lot of ground level windows and the equipment cost will be surely be higher. I recently contacted safemart for...
by Gemini
Fri May 31, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2438

Re: Renting - The Boglehead Way

Thanks for the input guys. I got further info and the deposit is actually one month's rent - not two.

I will look into renter's insurance and the handbook for my state.
by Gemini
Thu May 30, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Home alarm security systems

After waiting longer than we should have, we are in the market to get our house fitted with an alarm security system. I was reading the net and it seems like most of the larger companies, such as ADT, use the same alarm monitoring towers/services when compared to the smaller mom/pop companies. We wi...
by Gemini
Thu May 30, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Home alarm security systems
Replies: 21
Views: 2438

Moving Across USA

A friend of mine will be moving from MIchigan to the NJ/PA area in the near future. Moving with a house full of stuff but w/o any kids and about 6-700 miles. Can anyone recommend a good moving company? I was researching and have read some horror stories. Also, any wisdom shared about such a move is ...
by Gemini
Thu May 16, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Moving Across USA
Replies: 2
Views: 262

Re: Renting - The Boglehead Way

The landlady wants two months deposit b/c we have a small pet. Is it common to negotiate the rent? I found this place on craigslist and then went to see it. Haven been communicating via email and was wondering if it would be okay to see if the rent will go any lower. Good idea or no? How would I go ...
by Gemini
Tue May 07, 2013 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

The real estate company that owns the apartments around here has a policy where it's generally impossible to get the full security deposit back -- they always send in the painters & the crime-scene cleanup van when someone moves out, so that takes up most of the security deposit. Supposedly if ...
by Gemini
Tue May 07, 2013 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: Renting - The Boglehead Way

Thanks for the input.

Is two months security deposit standard? I think that is what the owner of the house is asking, but I can confirm.
by Gemini
Tue May 07, 2013 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Renting - The Boglehead Way

I will be moving out for the first time and will be renting a townhouse in a gated community. I have never rented before and wanted to get some input form the Boglehead sages. What advice would you give someone moving out for the first time? I will take any and all input regarding anything, especial...
by Gemini
Tue May 07, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7793

Re: SUV recommendations

To the OP, what is your budget? I was in a similar situation not too long ago, but w/o the need for a flip up third row. I didn't really have a budget and was willing to go as high as 100K (glad I didn't though haha). I test drove and researched a lot, including x5, x6, cayenne w/ various trims, Rx3...
by Gemini
Tue May 07, 2013 11:09 am
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4153

Buying vs. Renting

In the process of moving out and am wondering what are some principles that one must consider in order to decide whether to buy or rent. I am in an area where rents are in the upward of 2K+/month. I realize that each circumstance is different (i.e. whether you have debt, plan to stay long term in th...
by Gemini
Sun Mar 03, 2013 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting
Replies: 3
Views: 561

Re: Backdoor Roth Q <sorry for being slow on the uptake>

Is it too late to do a backdoor roth for 2012?

Can you specify whether it is for 2012 or 2013 with Vanguard?
by Gemini
Sat Mar 02, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Q <sorry for being slow on the uptake>
Replies: 13
Views: 1109

Re: Roth IRA contribution for 2012

Is there a way to calculate my AGI from the W2 forms? I am not familiar with a 1040 form.

From looking at the two W2 forms and adding the "wages, tips, other comp." column my total comes to 133,550.
by Gemini
Sat Feb 09, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution for 2012
Replies: 17
Views: 2153

Re: Roth IRA contribution for 2012

Instead of starting another thread, I figured I might as well ask in here (hope you don't mind bedrock!) 1. How do I determine my eligibility for 2012 Roth? I recently received my two W-2 forms from the two gigs that I have had in 2012. Do I just add the wages columns from both and see if it below t...
by Gemini
Sat Feb 09, 2013 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA contribution for 2012
Replies: 17
Views: 2153

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

I thought the Cash Rewards rate was 0.25% on everything besides gas at the pump? I get the 5% rebate on the latter. Your 5/.25% rewards are for the Platinum Cash Rewards card which is the one mentioned in the title of this thread. The card that gives effectively 5/3/1 for gas/grocery/other is the P...
by Gemini
Mon Jan 07, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1463

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

Interesting. I have the same card and haven't paid close attention to whether I am getting 1 or 5 percent returns.

How do we go about finding out whether a place qualifies for 5 percent?
by Gemini
Mon Jan 07, 2013 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1463

Re: Alternative to TD Student Checking

Thanks for the replies. I called and converted to TD convenience checking. I am using this to park an e-fund and so far have around 20K. Only downside it that it is 0%....
by Gemini
Sun Dec 30, 2012 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternative to TD Student Checking
Replies: 9
Views: 564

Re: How do I get my free annual credit score

The free credit report annualy is from Jan till December? Or does it start from the time you last checked your score with one of the bureaus?

I checked my equifax in Sept 2012 and am wondering how long till my 12 months run out.
by Gemini
Sun Dec 30, 2012 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I get my free annual credit score
Replies: 28
Views: 3869

Re: Continue 401K contribution or not?

Thanks for the replies.

I will defer 401 and focus on paying off the high interest loans.
by Gemini
Sun Dec 30, 2012 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Continue 401K contribution or not?
Replies: 5
Views: 1017

Continue 401K contribution or not?

A little background - Just finished school and now have a 6 figure job, BUT tons of loans. Currently, student loans at around 300K with some absurd rates (i.e. about 30K at 11% and about a 100K at 9%), and a car loan at 1.49%. Have an e-fund saved and am throwing everything I can at the high interes...
by Gemini
Sun Dec 16, 2012 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Continue 401K contribution or not?
Replies: 5
Views: 1017

Re: How much are you giving to charity in 2012 ...

On a separate note, how much can you deduct from taxes w/o actually having to show proof that you actually gave to charity in 2012?
by Gemini
Wed Dec 05, 2012 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: How much are you giving to charity in 2012 ...
Replies: 21
Views: 1861

Re: Lowering student loan interests

No home and no peace corps. The 10% loan is private, but I think the others are federal. I guess I can search and see if I can get a better rate, but so far I am seeing like 8-9% - not a significant jump from 10... I make a decent income this year, but next year in June it will be cut by 1/5 and I a...
by Gemini
Wed Dec 05, 2012 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lowering student loan interests
Replies: 8
Views: 1164

Re: Lowering student loan interests

Thanks.

PSFL probably won't apply and I am already throwing as much towards these loans as I can.

Is taking out a personal loan a a good idea to pay some of these off?

What about credit union consolidation going via http://www.custudentloans.org/ ?
by Gemini
Tue Dec 04, 2012 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lowering student loan interests
Replies: 8
Views: 1164
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