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Re: Poll: Should I pay off my student loans?

I wish my student loan balances were that low. Pay them off and get it over with! Why even turn this into a thing?
by Juntistik
Thu Jul 25, 2013 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Should I pay off my student loans?
Replies: 14
Views: 1237

Re: bitcoin bust; bitcoin etf

So when it comes to anonymity, i want to clarify some things. The "ledger" that shows every transaction does not show the IP address. You are all correct in being concerned about the idea of the IP address being shown, as that is a relatively easy way to actually identify a person. The way...
by Juntistik
Mon Jul 22, 2013 11:03 am
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5554

Re: bitcoin bust; bitcoin etf

While there may be a finite supply of Bitcoins, there is an infinite supply of potential cryptocurrencies that can perform the same function as Bitcoin (the source code for Bitcoin is open source). Its volatility makes it a poor medium of exchange, but an excellent source of speculation. The techni...
by Juntistik
Mon Jul 15, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5554

Re: Forum Design - Hard to refer people

I apologize about the long delay in posting in this thread. I was by no means criticizing the value or usefulness of the front page, only the experience. I do appreciate that this is a successful forum and that clearly something is working. I think the true value of the forum is the content, not the...
by Juntistik
Thu Jul 11, 2013 2:51 pm
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3628

Re: bitcoin bust; bitcoin etf

I recently read this article written by a journalist running a trial on a Bitcoin mining hardware device: http://arstechnica.com/gadgets/2013/06/how-a-total-n00b-mined-700-in-bitcoins/ The only way to really make mining profitable are to (1) be the first with a huge technology advancement, (2) oper...
by Juntistik
Thu Jul 11, 2013 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5554

Re: Forum Design - Hard to refer people

If they're overwhelmed by the webpage layout, they're never going to get the part about ignoring market noise. Clearly you don't get it. It goes beyond being overwhelmed. I see many threads about people complaining about eye strain when looking at computers. A landing page with tons of links and te...
by Juntistik
Fri Jun 28, 2013 10:25 am
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3628

Re: Roomba vacuums

I personally use a Neato, which navigates differently than Roombas AFAIK. Instead of bumping into things, it scans each room and maps a path. It then vacuums each room before moving to the next. It can also return to its charging station to charge, and continue vacuuming where it left off. I love th...
by Juntistik
Fri Jun 28, 2013 9:15 am
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4207

Forum Design - Hard to refer people

Hey everyone, I have been a long time lurker here and end up referring a lot of people to this site. Unfortunately, many people are turned off by the overall design, ux, and responsiveness of the site. Are there any plans to redesign this site? Maybe some IT centric Bogleheads would be willing to do...
by Juntistik
Thu Jun 27, 2013 10:21 am
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3628

Re: Amazon Kindle Fire Feedback

You cant really compare a KF and an Ipad, its apples and oranges. I have a KF, and I am absolutely in love with it, primarily because I knew what it was capable of before I got it. I knew that i couldn't access the internet without Wifi, but if you get an Ipad, you will have to PAY for 3g/4g. It won...
by Juntistik
Wed Jun 27, 2012 9:18 am
 
Forum: Personal Consumer Issues
Topic: Amazon Kindle Fire Feedback
Replies: 39
Views: 4953

Re: APR / Balance Transfer

Hey everyone, I know there is a trend on this site where some people ask for advice and don't post results...well: 1) I paid off my entire CC balance, so its now at 0. 2) Opened up a new CC with a 0% APR for a while, mostly to increase my overall available credit I do not plan on getting myself into...
by Juntistik
Tue Jun 26, 2012 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: APR / Balance Transfer
Replies: 3
Views: 403

Re: Do new people often take the advice offered here?

I did, although my ability to really act on the advice was minimal. I asked for paying off student loans vs investing advice about a year ago. Instead of spending money with investments I have been investing in paying off my student loans (my loans have a higher APR than most, BC of when they origin...
by Juntistik
Fri Jun 15, 2012 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do new people often take the advice offered here?
Replies: 53
Views: 3464

Re: Lending Clubs

I went to go setup an account at lending club after reading this article to find out that Michigan is one of the states that can't invest! WTF!!! Does anyone know a way around this? Why is this? I experienced this because I live in Texas. I really wanted to get into microlending, but seems there ar...
by Juntistik
Fri Jun 15, 2012 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lending Clubs
Replies: 39
Views: 3170

APR / Balance Transfer

Hello Bogleheads, I have currently been quite disappointed with the rewards I am earning with my WellsFargo Cashback Card. This was my first CC that I obtained early in my college years. It has been great and I have had my limit increased multiple times, but I am getting to the point where introduct...
by Juntistik
Fri Jun 15, 2012 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: APR / Balance Transfer
Replies: 3
Views: 403

Re: When Do Federal Student Loans Post Online?

It depends on who the servicer of the loan is. I recently spent time tracking down all of my loans and to my dismay, I had federal loans being serviced by two groups. Once I logged into the right place, I was able to locate all the necessary info. This has been a great resource for me : http://www.n...
by Juntistik
Fri Jun 15, 2012 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When Do Federal Student Loans Post Online?
Replies: 3
Views: 853

Re: Relocation to Colorado

I too moved from DFW to FoCo for College,

Had to move back to DFW because of some job opportunities I "Couldn't" pass up.

Plan on moving back ASAP.
by Juntistik
Fri Dec 30, 2011 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocation to Colorado
Replies: 18
Views: 1941

That's a very slippery slope, one which takes personal responsibility out of the equation(which I detest). Were you somehow scammed into owing Citi $50K? Obviously not, you signed for those loans. What about people who worked hard and paid for school directly out of pocket? How do I apply for my $1...
by Juntistik
Fri Oct 14, 2011 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Degree in Something Practical...
Replies: 141
Views: 8353

As a current college student I must say I really enjoyed this thread. I am a senior BCIS student and have had little to no trouble finding work, i have a few job prospects and have recently gotten involved with a startup. That being said, I have ~70k in student loan debt. I must say, despite having ...
by Juntistik
Fri Oct 14, 2011 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: College Degree in Something Practical...
Replies: 141
Views: 8353

Wow, the prices I am seeing here are really high for a college laptop. ESPECIALLY if she isn't some type of computing major who needs power. I am a college student, and I snagged an ASUS u52-bbl9 from best buy for $400 bucks. upgraded the ram for another 50 bucks. 8gb ram, i5, webcam/mic. Perfect la...
by Juntistik
Mon Oct 10, 2011 9:35 am
 
Forum: Personal Consumer Issues
Topic: Advice for buying a new Laptop
Replies: 91
Views: 8987

Serious security concerns with Amazon Silk browser. Here is write up from ZDNet. http://www.zdnet.com/blog/networking/amazons-kindle-fire-silk-browser-has-serious-security-concerns/1516 When you’ll be using your Kindle Fire’s Silk Web browser everything you do on the Web will be made part of your p...
by Juntistik
Fri Sep 30, 2011 11:49 am
 
Forum: Personal Consumer Issues
Topic: Amazon's new Kindle Fire looks good
Replies: 58
Views: 7131

Re: Considering moving from NYC

Now we are contemplating whether the premium is worth it (prices haven't changed much here-particularly housing). Been dreaming of warmer climate more reasonable cost of living (we work for ourselves-no children-can be anywhere). Wondering if there are any people on the board that have left NYC onl...
by Juntistik
Fri Sep 30, 2011 11:38 am
 
Forum: Personal Consumer Issues
Topic: Considering moving from NYC
Replies: 83
Views: 7410

SP-diceman wrote:Its simple for Bogleheads, just place a dollar bill on your toes.

(change will also work) :)

Thanks
SP-diceman


:lol: :lol: :lol:

Fantastic.

In other news, no. I cant touch my toes, and I've never been able to
by Juntistik
Fri Sep 16, 2011 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Can you touch your toes? (developing physical flexibility)
Replies: 49
Views: 3203

Honestly, I highly recommend against an incredible. If you are looking for a smartphone, what provider are you on? By the way, congrats on giving up Itunes, it is horribly bloated and seeks to enslave your media collection :P Get an android based smart phone with good storage and play your media / s...
by Juntistik
Fri Sep 16, 2011 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Help me find the right device that's not an Ipod!
Replies: 5
Views: 854

At this point my number one intention is to pay off the private debt.

Ill worry about the gov debt after that.
by Juntistik
Thu Jul 07, 2011 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Internship, Student Loans, and my future....
Replies: 15
Views: 1891

Unfortunately I wont be able to contribute to a 401k at my internship because they have employment time restrictions that I won't be able to accomplish. My insurance is with progressive, but thats interesting, I never thought about what would happen to my insurance if I suddenly found myself without...
by Juntistik
Fri Jun 17, 2011 7:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Internship, Student Loans, and my future....
Replies: 15
Views: 1891

Ok everyone, thanks for the advice, As of right now I have payed off my credit card and I have 1100 in my emergency savings. I do not plan on taking any more loans out this year, I actually plan on working while going to school to start chisling down my debt. Do you all think it would be wise to pay...
by Juntistik
Wed Jun 15, 2011 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Internship, Student Loans, and my future....
Replies: 15
Views: 1891

I have around 4k in interest as of now, although nothing has entered into repayment.

I definitely have my eye on just paying off the credit card in one swoop, What is the best way to determine an emergency fund? Just what I would need for normal expenses for 5-6 months?
by Juntistik
Wed Jun 01, 2011 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Internship, Student Loans, and my future....
Replies: 15
Views: 1891

After looking at the PenFed special offers, I see they drop the interest rate to 4.99 for balance transfers from other credit cards, If i currently have a WF credit card with an apr of 15.75% would it be wise to take advantage of that? Its a college card that I got to build credit, and I have a well...
by Juntistik
Wed Jun 01, 2011 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: anyone recommend Penfed Visa card (or another reward card)?
Replies: 64
Views: 8071

wait..how...huh...

I could live off that (college student)
by Juntistik
Wed Jun 01, 2011 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: extreme couponing
Replies: 82
Views: 6420

Internship, Student Loans, and my future....

Hello all, This is my first post after lurking for a while, I must say that I have learned a lot from reading these forums, and am looking into checking some of the recommended books out from my local library. Here's the deal. I am about to enter into my last year of college with a BCIS degree and p...
by Juntistik
Wed Jun 01, 2011 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Internship, Student Loans, and my future....
Replies: 15
Views: 1891

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