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by campy2010
Mon May 18, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4228

Re: How fast should I ride my bicycle?

The trail I use (rails to trails) is a mixed use trail, but I've never seen a speed limit sign. Most bikers I see are riding faster than me. There are also long stretches where you rarely see walkers and runners. Given that it was an old railroad track, it is very level overall. The only real probl...
by campy2010
Mon May 18, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4228

Re: How fast should I ride my bicycle?

As a former bicycle racer, my answer to "how fast should I ride?" Would be..."wicked fast". As a former bicycle racer, my answer is "wicked fast (but not so fast that you can't make it to your destination)". But probably not "wicked fast" every time you're ou...
by campy2010
Sun May 17, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans- Consolidate or Not?
Replies: 6
Views: 468

Re: Student Loans- Consolidate or Not?

For me I'd look at this as two questions : (1) consolidate or not ? and (2) are the consolidation rates better/worse than the current deal ? The first would be easy for me , consolidate ; if those variable rates are tied to an index with a cap , I'd assume the worse case scenario and run the number...
by campy2010
Thu Apr 30, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Freshly roasted coffee beans
Replies: 29
Views: 1917

Re: Freshly roasted coffee beans

itstoomuch wrote:heading to Seattle next week. Lots of Ethiopian/Eritrea emigrants with stores. I think I am going to buy a bag of green beans and some mrryrh.
Tkx. :happy


Get a latte at Vivace. And, I would buy their roasted beans and call it a day. Yum.
by campy2010
Mon Apr 27, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to go from here with my Personal Finances?
Replies: 15
Views: 1414

Re: Where to go from here with my Personal Finances?

I would explore refinancing the higher interest student loans ( >5-6% interest rates) at commonbond, sofi, DRB, Citizens to a 5-year variable term. Others have reported rates as low as 2.75% variable, which would save you thousands in interest but would require a slightly higher monthly payment. Aft...
by campy2010
Mon Apr 13, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP Worth It?
Replies: 17
Views: 1260

Re: ESPP Worth It?

I would and do jump through some hoops for extra money - credit card bonuses, opening bank accounts, etc. But investing in a single stock for a $100 upside just isn't worth the trouble. A tiny bit of volatility in the stock price and you have a loss instead of a $100 gain. You benefit from having no...
by campy2010
Mon Apr 13, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating job offer - health plans
Replies: 19
Views: 1529

Re: evaluating job offer - health plans

So, some good news! It looks like i'll be okay with the tier 4 drug - if coverage exception is not approved for some reason (based on my calling around today, it should be) there are multiple "copay assistance" plans provided by the drug manufacturer that essentially pay the medication co...
by campy2010
Mon Apr 13, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating job offer - health plans
Replies: 19
Views: 1529

Re: evaluating job offer - health plans

If only one deductible and one OOP maximum are listed then both the medical and pharmacy costs should count toward that deductible and OOP maximum. If you choose the high plan and continue with similar medical and pharmacy utilization then you will be paying $2600 (deductible) +$6,000 (OOP max) = $8...
by campy2010
Thu Mar 26, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Review our Plan! (Marriage, Loans, Housing)
Replies: 5
Views: 917

Re: Review our Plan! (Marriage, Loans, Housing)

Congrats on the "wedding"! You're in great shape for your age. Refinance the student loans, tomorrow, and get rid of those terrible interest rates. There are many threads on the refinance process with DRB, sofi, Citizens. The variable rates are around 3-4%. Then you can take your time deci...
by campy2010
Thu Mar 26, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 2515

Re: Failed Surgery - Doctor not volunteering discount

If you're not 100% comfortable with the way that the doctor handled your son's case then I wouldn't worry about the cost and instead would instead seek a second opinion at a different practice. A different doctor can examine your son and can provide counsel as to how he would have handled the failed...
by campy2010
Sat Mar 14, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: handling debt collection agency
Replies: 24
Views: 1422

Re: handling debt collection agency

I hate to say it but much of the advice on this thread is not good. You do not need to accept that this collection will be on your credit report for 7 years. There is a simple step-wise approach to dealing with collections companies 1. Try to pay the original creditor (the hospital) and have them pu...
by campy2010
Fri Mar 13, 2015 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for New Investor w/ Tons of Graduate Debt
Replies: 33
Views: 3174

Re: Advice for New Investor w/ Tons of Graduate Debt

I believe you will make too much to contribute to a traditional, (tax deductible) IRA. I think that contributions to a Roth IRA start to phase out at $114k (you should check "the google" to make sure) modified adjusted gross income for a single tax filier. Of course you can always do a &q...
by campy2010
Sun Mar 01, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2718

Re: iPhone upgrade

Why would your monthly bill go up? You should be able to keep your old plan if you want to. I have been able to maintain a grandfathered unlimited iPhone dataplan with AT&T at the same rate even when upgrading to a new device.
by campy2010
Thu Feb 19, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 12434

Re: What is your favorite consumer product?

Are you all kidding me? Only a few out there have brand loyalty going on?? Off the top of my head and in no particular order: 1) Brooks Brothers dress shirts 2) Chapstick SPF 15 moisturizing lip balm 3) Crest Pro Health Toothpaste 4) CeraVe Moisturing Lotion 5a) Ford 5b) Mercedes 5c) Ducati 6) Pils...
by campy2010
Sat Feb 14, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal $100 IRA bonus
Replies: 8
Views: 794

Re: Navy Federal $100 IRA bonus

Thanks! That was easy.
by campy2010
Fri Jan 30, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tax: Filing Jointly or Separately When Spouse makes 3x More
Replies: 15
Views: 784

Re: Tax: Filing Jointly or Single When one makes 3x More

I would run the two different scenarios in your favorite tax software and make a decision based upon the results.
by campy2010
Tue Dec 09, 2014 8:52 pm
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 1996

Re: how to join nylon webbing?

This thread is totally useless without pictures of the kitty. :-)
by campy2010
Sun Dec 07, 2014 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 2634

Re: Navient / Sallie Mae misallocating my loan payments...ag

I'm not surprised SM doesn't allocate your principal payment correctly if you send them a payment and email instructions. Over the years when I was a SM customer, they greatly improved their web payment system for making principal payments. I would highly recommend that you use it. It will save you ...
by campy2010
Sat Dec 06, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 2634

Re: Navient / Sallie Mae misallocating my loan payments...ag

In your case it sounds like SM is not doing anything wrong. I think you may not quite understand the mechanics of making extra principal payments. You shouldn't expect the normal on-cycle minimum payment to be directed toward the highest interest loan. You have to make the minimum payment on each lo...
by campy2010
Tue Nov 18, 2014 5:57 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 6357

Re: Apple Stores - do they try to be awful?

My recent experience was not good. Went in with a friend that wanted to purchase latest iphone6 plus. The website showed a phone being available but after we enter the CC info and click on place order, it showed an error message saying that the store did not have inventory. So, we stopped by the st...
by campy2010
Wed Nov 12, 2014 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 18
Views: 2517

Re: question about my student loans...

I thought of that but then the student loan amount should indicate the added value. For example if I started with 116k then my loan balance should have been let's say 130k with the added interest. But I will look into this. Your accrued interest is capitalized into your principal on the day you ent...
by campy2010
Wed Nov 12, 2014 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 18
Views: 2517

Re: question about my student loans...

I will get in touch with them. Wish I had done this sooner. I naturally should have looked into this sooner but I would think any extra payments should go towards the principal not an interest payment. I think the payments were probably applied correctly. What FRx is missing is that unsubsidized st...
by campy2010
Thu Oct 30, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2941

Re: $116k Med School Debt - Pay Off or PSLF?

Refinance with sofi.com or one of its competitors and pay them off.
by campy2010
Thu Sep 25, 2014 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3394

Re: Unexpected Emergency

I would put an unexpected large medical expenses on a 0% interest credit card. I've seen some promotions at 0% interest for as long as 18 months. Pay it off over time and preserve the EF and 401k.
by campy2010
Sun Sep 07, 2014 1:11 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 13010

Re: A 'really good book' you did NOT enjoy

The Life of Pi.

I can't stand not finishing books. Tried reading this one multiple times. No dice.
by campy2010
Mon Sep 01, 2014 1:09 pm
Forum: Personal Consumer Issues
Topic: Cold Brew Coffee and whole coffee beans
Replies: 7
Views: 925

Re: Cold Brew Coffee and whole coffee beans

For cold-brewing any old glass jar will suffice. I would spend your money on a low-end but decent quality burr grinder instead. That said, I tried cold brewing for awhile but it is something you need to plan in advance, which can be problematic (at least for me). I also found that cold brew becomes ...
by campy2010
Thu Aug 21, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Case Story/Plan: "Bank on yourself" to pay student loan.
Replies: 12
Views: 2117

Re: Case Story/Plan: "Bank on yourself" to pay student loan.

Overall, your plan would be good advice for a young, early-career Boglehead but doesn't really take into account the issues of someone living below the poverty line for the foreseeable future. I'm all for personal responsibility when it comes to repaying debt except when it comes at the expense of b...
by campy2010
Sun Aug 17, 2014 6:56 pm
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2714

Re: Girls gymnastics: what to expect

When bodies are still developing, stressing them too much can lead to injuries. Why is swimming ruled out? That's a pretty safe sport and builds strength and flexibility. There's no reason why she has to travel to compete as opposed to just enjoying swimming and building her skills. +1. Strength, f...
by campy2010
Fri Aug 15, 2014 7:50 pm
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2755

Re: Who sells fresh coffee that is not as strong as Starbuck

My recommendation for Sbux is to order an Americano, which is a couple of shots of espresso and water. About the same price as a cup of coffee but tastes much better.
by campy2010
Mon Aug 11, 2014 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3493

Re: $65k bonus for student loans...considering not taking it

***** I really appreciate the comments regarding the programs future existence, but I am assuming for the sake of this thread that it will exist in 10 years. I'm only interested in the tax and financial planning issues here. Honestly, the crux of your issue is whether the program will be around in ...
by campy2010
Sun Jul 13, 2014 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Student loans for international students
Replies: 2
Views: 446

Re: Student loans for international students

1. The rates vary considerably by lender and credit score. Some are better than the federal loan rates, which are 6.8%-8%, and some are worse. Most are variable-rate. Expect a 0.5% to 1% origination fee. Definitely shop around. 2. As a co-signer, it would be like taking out these loans yourself and ...
by campy2010
Wed Jul 09, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1942

Re: Extremely Heavy Duty Office Chair

I too bought the refurbished Leap from Ebay. It's almost too firm for my taste but has been a good quality chair.
by campy2010
Mon Jul 07, 2014 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 16994

Re: Easy careers to last me to retirement?

any government job*

*federal or a state/municipality that is doing ok financially

or

If you live in a major metro area, start a house cleaning business. Where I live, those who consistently do a good job command a premium and are consistently very busy.
by campy2010
Mon Jun 16, 2014 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Strategy - Future Public Service Job
Replies: 14
Views: 1138

Re: Student Loan Strategy - Future Public Service Job

The Obama administration is already proposing changes to the PSLF program in the 2015 budget. You should stay on top of these proposed changes if you plan to change your career based on the PSLF program. We're not allowed to talk about proposed legislation on this forum, so I will let you do your ow...
by campy2010
Thu Jun 12, 2014 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Question
Replies: 12
Views: 1824

Re: Rent Question

I am familiar with the Boston rental market and there is no way I would pay two extra months rent plus another month as a broker's fee to secure an apartment. To me, that is a waste of >$7500. It is a tight rental market but not THAT tight. If I were in your shoes, I would keep looking and if this p...
by campy2010
Mon May 12, 2014 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 620

Re: Friend needs assistance with Student Loans

Without knowing any specifics, my default advice is to put all the federal loans on Income Based Repayment and direct any extra money to the principal of the highest interest loan. The most important next-step is deciding on how much of her salary to allocate to saving/investing vs loan repayment vs...
by campy2010
Wed May 07, 2014 4:00 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 3357

Re: Inexpensive Win7 laptop that will support 2 to 3 monitor

My work computer is a Dell Latitude + docking station with 2 monitors. This model has been relatively bulletproof for myself and my colleagues. We had Inspirons previously and they had overheating issues, which may or may not be resolved in the current model. I found a used docking station on Ebay f...
by campy2010
Fri Apr 25, 2014 5:24 pm
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 8034

Re: College Competition

My alma mater, another flagship state school outside of CA, reported this year that it has increased its international/out of state slots to about 20% of the current freshman class and I think this percentage in even higher in the UC system. Unfortunately, in the age of declining state budgets, the ...
by campy2010
Sat Apr 12, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Auto Loan vs. Student loan/Mortgage
Replies: 8
Views: 645

Re: Help on Auto Loan vs. Student loan/Mortgage

If you need to purchase the car, then I would definitely finance the car with the PenFed loan. Keep your cash for an emergency. If you have an established emergency fund then use your cash to pay down your student loans.
by campy2010
Tue Apr 01, 2014 2:08 pm
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 108
Views: 7882

Re: [High-frequency trading hurts regular customers]

Can someone clarify or provide a link to a good tutorial on how best to execute a trade to (a) get the optimal price and (b) avoid being front run by HFT. Someone said to use limit orders and someone else said not to. I'm confused.
by campy2010
Mon Mar 31, 2014 10:33 am
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3767

Re: BH Vacations

My advice is to become the trip planner among your group of friends. Price out gas, shared hotel, important incidentals (for example, lift tickets if you're going skiing), and suggest a couple of dates. People can join if they're interested and have the money. This is how we did ski trips, whitewate...
by campy2010
Wed Mar 26, 2014 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 2805

Re: young sports stars.. or programmers

These salaries you mention just aren't the norm outside of silicon valley. I live in the southeast and you have to be a senior programmer/engineer to even sniff 100k. We get a lot of posters here, young, making comfortably in the 6 figures. For every one of those, there are many more posters who ha...
by campy2010
Wed Mar 26, 2014 3:44 pm
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 695

Re: Where do you buy organic nuts

Trader Joe's
by campy2010
Wed Mar 19, 2014 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 5027

Re: advice requested from engineers

It sounds like Illinois and RIT are the top 2 choices? What are the other options and their costs?
by campy2010
Wed Mar 19, 2014 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 5219

Re: Children: Are they worth every penny?

This is a personal finance forum so family planning advice is a little outside of the scope and I think this question is better discussed with your husband. That said, I think posing the question as 2 or 5 kids makes little to no sense since it takes time to create each one (unless you have multiple...
by campy2010
Fri Feb 21, 2014 11:58 pm
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1771

Re: Best place to buy bike parts

In my experience, the compact double with the properly selected cassette is far superior to a triple gear. Moreover, going from double to triple means that you will have to swap out your shifters, cranks, derailleurs...essentially you need to replace your entire groupo. However, if you go to a compa...
by campy2010
Mon Feb 17, 2014 10:11 pm
Forum: Personal Consumer Issues
Topic: Cancellation fee from health provider - feeling ripped off
Replies: 30
Views: 2120

Re: Cancellation fee from health provider - feeling ripped o

I would be upset too. You pre-paid for 3 appointments, the no-show fee shouldn't apply. Your no-show fee is that you paid $50/appt instead of $33/appt. Presumably, if you would have known your Friday appt would cost $65 then you might have skipped it and started over again the next week. Since us Bo...
by campy2010
Mon Feb 17, 2014 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Auto Debit Question...
Replies: 1
Views: 186

Re: Sallie Mae Auto Debit Question...

If your loans are listed separately on your online account, then when you make an extra payment the Sallie Mae site will ask you to which loan you want your payment applied. You check the box in front of the appropriate loan and then it will ask you if you want the payment directed toward capital or...
by campy2010
Tue Feb 11, 2014 11:01 am
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6800

Re: Raising kids in a small town vs. big city/suburbs

This topic is also near and dear to my heart, since I had the opportunity to experience both. I grew up in a small, rural town pop 20k in farm country and moved to suburbia in the NY tri-state area right before 9th grade. I would definitely choose the latter over the former, any day of the week and ...
by campy2010
Tue Jan 21, 2014 5:26 pm
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 12964

Re: What's your dream car?

3x most expensive car to-date criterion puts me squarely in the Toyota Corolla price range. :-(

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