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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
Tue Nov 18, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2888

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 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 17
Views: 1488

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
Wed Nov 12, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 17
Views: 1488

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 Oct 30, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2640

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
Thu Sep 25, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3320

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
Sun Sep 07, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 11974

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
Mon Sep 01, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Cold Brew Coffee and whole coffee beans
Replies: 7
Views: 841

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
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: 2053

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
Sun Aug 17, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2547

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
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: 2578

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
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: 3409

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 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Student loans for international students
Replies: 2
Views: 439

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 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1866

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 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14438

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 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Strategy - Future Public Service Job
Replies: 14
Views: 1015

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 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent Question
Replies: 12
Views: 1807

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 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 593

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 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 3265

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 5:24 pm
 
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 7888

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 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Auto Loan vs. Student loan/Mortgage
Replies: 8
Views: 627

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 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 7174

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 10:33 am
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3679

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 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 2718

Re: Where do you buy organic nuts

Trader Joe's
by campy2010
Wed Mar 26, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 658

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 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4899

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 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 5165

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
Fri Feb 21, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 1729

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 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Cancellation fee from health provider - feeling ripped off
Replies: 30
Views: 2095

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 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Auto Debit Question...
Replies: 1
Views: 175

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 11:01 am
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6157

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 5:26 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11451

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 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help tracking work activities?
Replies: 7
Views: 489

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 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help tracking work activities?
Replies: 7
Views: 489

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 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice when to start investing considering Student Loan Debt
Replies: 8
Views: 1142

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 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 5253

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 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1135

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 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: student loan interest
Replies: 19
Views: 1135

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with sibling's school loans
Replies: 40
Views: 2437

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 10:18 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 16088

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 8:50 pm
 
Forum: Personal Consumer Issues
Topic: What to do first with an iPad Air 16GB?
Replies: 15
Views: 1928

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 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Masters in Mental Health Counseling
Replies: 21
Views: 1210

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 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 435

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 1:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Student Loans Question
Replies: 6
Views: 435

Re: bigger SUVs that carry 7

Nissan Pathfinder
by campy2010
Sat Nov 16, 2013 9:37 pm
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 3249

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 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k v. Student Loans - High Starting Salary
Replies: 46
Views: 3869

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 8:12 pm
 
Forum: Personal Consumer Issues
Topic: What Are Some Unwritten Rules in Your Office?
Replies: 39
Views: 4635

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 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 23 yo Teacher Three fund or Target Retirement 2050 -Roth IRA
Replies: 36
Views: 2204

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 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legality of no salary for a restaurant waiter
Replies: 9
Views: 2098

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 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Bucket list - what's done, what's meh and what's left to do?
Replies: 46
Views: 4095

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 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overwhelming Personal Finance
Replies: 17
Views: 3261
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