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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
Sun Jul 13, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loans for international students
Replies: 2
Views: 426

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
Wed Jul 09, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1766

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 Jul 07, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13660

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
Mon Jun 16, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Strategy - Future Public Service Job
Replies: 14
Views: 894

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
Thu Jun 12, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent Question
Replies: 12
Views: 1767

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
Mon May 12, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 572

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
Wed May 07, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 2963

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
Fri Apr 25, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 7739

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
Sat Apr 12, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Auto Loan vs. Student loan/Mortgage
Replies: 8
Views: 606

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
Tue Apr 01, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6983

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
Mon Mar 31, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3494

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 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 2566

Re: Where do you buy organic nuts

Trader Joe's
by campy2010
Wed Mar 26, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 625

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 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4768

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
Wed Mar 19, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 5090

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
Sat Feb 22, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1605

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 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Cancellation fee from health provider - feeling ripped off
Replies: 30
Views: 2083

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
Mon Feb 17, 2014 2:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Auto Debit Question...
Replies: 1
Views: 167

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 Feb 11, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 5633

Re: What's your dream car?

3x most expensive car to-date criterion puts me squarely in the Toyota Corolla price range. :-(
by campy2010
Tue Jan 21, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 10897

Re: Help tracking work activities?

Hayden wrote:I wonder if that level of detail is really necessary? Have you talked with your manager about what level of detail they require on the time card?


If you're billing your time to clients, it has to be recorded somewhere.
by campy2010
Mon Jan 20, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help tracking work activities?
Replies: 7
Views: 480

Re: Help tracking work activities?

I work in consulting and have to account for my hours as well. I've tried several things but ultimately decided on an Excel spreadsheet set up with the days of the week across the top and projects and major tasks down the left hand side. Enter hours spend on each task and use formulas to add the tim...
by campy2010
Mon Jan 20, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help tracking work activities?
Replies: 7
Views: 480

Re: Advice when to start investing considering Student Loan

The subsidized loans won't be accruing interest when you go back to school, so I wouldn't be in a rush to pay them off. It is sort of a wash on the remaining unsubsidized loan considering that you will be taking on so much new debt. The financial question you should be considering is whether a PT de...
by campy2010
Sun Jan 19, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice when to start investing considering Student Loan Debt
Replies: 8
Views: 1013

Re: Truck/Car Envy....How do You Deal with It?

New road bikes. Expensive but cheaper than cars.

Also sales tax, comprehensive insurance, excise tax not to mention road salt, unsafe and/or careless drivers, and car payments keep me from upgrading my old car.
by campy2010
Fri Jan 17, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4924

Re: student loan interest

When you're paying down the capitalized interest, does that count as an interest payment? Capitalized interest LOOKS like principal, but I'm wondering how it's treated for tax purposes. I have researched capitalized interest a bit, and once interest is capitalized it is not printed on the 1098-E fo...
by campy2010
Fri Jan 17, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1094

Re: student loan interest

Can't you go onto the website and see how much you paid in principal and interest for the year? It sounds like they may have mis-printed your 1098-E with your total payment instead of just the interest payment, but we can only speculate. $28,000 in interest would mean that your loan balance is about...
by campy2010
Fri Jan 17, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1094

Re: Help with sibling's school loans

65k @ 7.65% - unsubsidized direct PLUS loan in a parent's name ... parents pay $300 towards the total debt, my parents unfortunately cannot increase the amount. This can't work. 65k*7.65%>>$300*12 I'm not really sure what you're saying here but I have no idea how parents and sibling have the pay se...
by campy2010
Thu Jan 09, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with sibling's school loans
Replies: 40
Views: 2404

Re: How much should a good dentist make yearly?

Forgot to add. The definition of a 'good' dentist is open to debate. I estimate that 90% of the dentists out there do lousy dental tx. Course, it's what the 'average' dentist is doing. I just feel like the typical average dentistry done in the USA is garbage. (except for the 10% doing optimal denta...
by campy2010
Mon Jan 06, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15672

Re: What to do first with an iPad Air 16GB?

I would affix it to a table encased in a professional case or kiosk. Lots of options with a google search. Anything less and the iPad will disappear.

Also set up the findmyigadget app so you can locate the device if it disappears
by campy2010
Thu Dec 05, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: What to do first with an iPad Air 16GB?
Replies: 15
Views: 1907

Re: Masters in Mental Health Counseling

Encourage her to get an internship at one of the non-profits that may ultimately employ her. There is no better lesson about your future career path than to experience it first-hand. At the same time, I would discuss with her career paths that are similar, but perhaps more flexible. Nursing or, if y...
by campy2010
Sat Nov 23, 2013 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Masters in Mental Health Counseling
Replies: 21
Views: 1183

Re: Sallie Mae Student Loans Question

I know that if you're making one-time payments, you can select the amount that you contribute to each loan. However, I think that you have limited control over how your recurring payments are distributed. Based on the results turned up from Google, the best option is to call SallieMae and ask them ...
by campy2010
Wed Nov 20, 2013 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 421

Re: Sallie Mae Student Loans Question

To get around this "feature" of Sallie Mae billing, you have to separate the two loans into what Sallie Mae calls "billing groups". After you do this, the two loans will show up as separate line-items in your account and you can allocate payment to one loan or the other. This can...
by campy2010
Wed Nov 20, 2013 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 421

Re: bigger SUVs that carry 7

Nissan Pathfinder
by campy2010
Sat Nov 16, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 3157

Re: 401k v. Student Loans - High Starting Salary

Outstanding on all points! ⋅ You are eligible this year and this year only for the $2,500 student loan interest deduction. In future years you will be ineligible. So pay at least $2,500 of interest (not including principal) in 2013. ⋅ Illinois exempts TIRA conversions from taxat...
by campy2010
Fri Nov 15, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k v. Student Loans - High Starting Salary
Replies: 46
Views: 3627

Re: What Are Some Unwritten Rules in Your Office?

We have an unwritten "no kids' fundraisers" rule, which is a good thing since only the more senior people have kids and they would be soliciting money from their lower-paid direct reports. Your boss asking you for money creates an awkward conflict of interest for those who don't want to pa...
by campy2010
Tue Nov 12, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: What Are Some Unwritten Rules in Your Office?
Replies: 39
Views: 4566

Re: 23 yo Teacher Three fund or Target Retirement 2050 -Roth

Although I understand the enthusiasm for a roth at lower income levels, keep an eye on the savers' credit, and make sure you don't miss out on a subsidy by $1 of income or some other trivial amount, just because you went 100% roth vs. 99% roth and 1% traditional. +1 I was also going to call attenti...
by campy2010
Tue Nov 05, 2013 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 yo Teacher Three fund or Target Retirement 2050 -Roth IRA
Replies: 36
Views: 2172

Re: Legality of no salary for a restaurant waiter

I'm not sure that I would trust waiters/waitresses' second-hand statements about their salary. Their tips are better if the customers think that they rely solely on tips, which isn't the case in some states. If these individuals aren't being paid fairly, then I imagine they would complain to the lab...
by campy2010
Sun Oct 27, 2013 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legality of no salary for a restaurant waiter
Replies: 9
Views: 2016

Re: Bucket list - what's done, what's meh and what's left to

2) Backpack Pacific Rim trail on Vancouver Island. Need to lose some weight and strengthen the knees before trying this one. Do you have a link for this one? I've never heard of it. Looks like it is more formally known as West Coast Trail in Pacific Rim NP: http://en.wikipedia.org/wiki/West_Coast_T...
by campy2010
Tue Oct 22, 2013 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 3973

Re: Overwhelming Personal Finance

I remember your post from 2 years ago and posted it below so you can compare and reflect on your progress. I think you're doing GREAT. Don't stress to much; it just takes time to reach those milestone. Good luck. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=76860&p=1088766#p1088766 Ol...
by campy2010
Wed Oct 16, 2013 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overwhelming Personal Finance
Replies: 17
Views: 3235

Re: Cheapest way to move long distance

Consider a Pods moving/storage container or one of their competitors and then fly to Portland. Should be about the same price with no question about an unknown, used car on a road trip over the Rockies.
by campy2010
Tue Oct 08, 2013 10:41 am
 
Forum: Personal Consumer Issues
Topic: Cheapest way to move long distance
Replies: 48
Views: 3321

Re: Paying off Student Loans

I stopped reading at "I will be saving $650/month in interest". I'm joking, but to me the answer is clear and don't know why you didn't pay down your loans sooner. If I were in your shoes, I would do the following: 1. Put aside emergency fund 2. Contribute max to 401k ($17.5) and Roth IRA ...
by campy2010
Thu Oct 03, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Student Loans
Replies: 8
Views: 630

Re: Cellphone upgrade

Go into your att wireless account and select "upgrade phone". This will allow you to keep the grandfathered rate plan but upgrade device with a new 2-year commitment.
by campy2010
Mon Sep 30, 2013 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Cellphone upgrade
Replies: 5
Views: 505

Re: Two Grad School Choices

I vote for option #3: none of the above A bachelors degree should be sufficient for a market research analyst position. I think our generation tends to default to more education when they are already qualified for positions in their careers area of interest with their BS degree. If you're having tro...
by campy2010
Fri Sep 27, 2013 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Two Grad School Choices
Replies: 7
Views: 1760

Re: Boston this weekend

There have been several threads about this recently. You can find more if you do a search.

viewtopic.php?f=11&t=122290
by campy2010
Thu Sep 05, 2013 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Boston this weekend
Replies: 25
Views: 1885

Re: College ...

FAFSA is required by all state schools for any kind of assistance, scholarship or loans and some even for campus jobs. Many schools have merit based scholarships which are independent of assets or income. None of the retirement assets are included in computations. If a student is not claimed on par...
by campy2010
Wed Sep 04, 2013 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: College ... [Funding college tuition without a loan]
Replies: 24
Views: 2639

Re: In Boston what to do?

USS Constitution. There is a short (15min), inexpensive water taxi (~$2) run by the MBTA from the aquarium area out to the Charlestown area where the USS Constitution is located. Within walking distance in Charlestown is the Bunker Hill Monument. The boat ride is a fun thing to do even without stopp...
by campy2010
Wed Aug 28, 2013 12:39 pm
 
Forum: Personal Consumer Issues
Topic: In Boston what to do?
Replies: 36
Views: 2749

Re: Unpaid fee from before we purchased house

The bill is addressed to the former owner so it isn't your responsibility. It would be no different than opening a former resident's credit card bill. If left unpaid, eventually the city will send the bill to collections. I would either forward the bill to the former owner or return it to the sender.
by campy2010
Tue Aug 27, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: Unpaid fee from before we purchased house
Replies: 15
Views: 1400

Re: Poll: Retirement savings by mid 30s?

I'm a complaisant voter in most Boglehead polls, silly or not, but I'm going to take a pass here. If your question is really "How well am I doing?" compared to your own needs/income/goals, then this poll tells you nothing useful. If your question is indeed "Am I richer than you?"...
by campy2010
Mon Aug 19, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Retirement savings by mid 30s?
Replies: 35
Views: 5147

Re: Career Advice

I would choose A and then reconsider option B upon completion of degree program. My reasoning for choosing A is simple. If you're commuting 3 hrs per day, that doesn't leave a lot of extra time for classes. Plus, if you consider the extra 3 hours per day of commuting time as work plus the 50 hour we...
by campy2010
Fri Aug 16, 2013 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 18
Views: 1242
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