Search found 794 matches

by campy2010
Mon May 02, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Married 31yo, funding retirement or cutting debts?
Replies: 24
Views: 1606

Re: Married 31yo, funding retirement or cutting debts?

The equation changes a bit when you have enough cash flow to max out retirement savings. At that point, paying down low-interest debt for emotional rather than financial reasons seems more reasonable. I don't want to start an argument, especially because your tone was so fair, but if the OP can't m...
by campy2010
Mon May 02, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Married 31yo, funding retirement or cutting debts?
Replies: 24
Views: 1606

Re: Married 31yo, funding retirement or cutting debts?

I know this is a contentious issue on this forum but I wouldn't pay off the car loan and would use the RSU money to increase 401k or Roth IRA contributions. Instead, I would refinance the auto loan at a lower interest rate. Penfed has a 1.49% auto loan, which for a $20k car loan costs ~$500 over 3 y...
by campy2010
Tue Apr 26, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1777

Re: Holes in the heels of black dress socks

Smartwool is the answer.

But everything wears out eventually and needs to be replaced. Clothing is made more cheaply that it was in the past.
by campy2010
Mon Apr 25, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 2160

Re: Who's used Extended Stay hotels?

In my area, extended stay hotels are used for prostitution. But I imagine those using them for such activities try to keep a low profile. So maybe not an inconvenience. Read the reviews.
by campy2010
Mon Apr 25, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: IBR to REPAYE Questions. Please help!
Replies: 4
Views: 362

Re: IBR to REPAYE Questions. Please help!

The link below is a pretty good side by side comparison of the 2 programs. There are definitely pros and cons to each program. For example, IBR doesn't include spouse's salary if you file separately but REPAYE includes a spouse's salary regardless of filing status. Also, with REPAYE there's no maxim...
by campy2010
Mon Apr 25, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: IBR to REPAYE Questions. Please help!
Replies: 4
Views: 362

Re: IBR to REPAYE Questions. Please help!

I haven't read anywhere that changing to the REPAYE program changes the interest rate to 4.5%. I think this is a mistake. If the borrower wants to change her interest rate then I believe her only option would be to refinance with a private lender like SOFI, DRB, etc. When making the IBR vs PAYE vs a...
by campy2010
Sun Apr 24, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Fixing up your home - or just selling it?
Replies: 17
Views: 1523

Re: Fixing up your home - or just selling it?

Your post is missing some information on "the house you want". What is the price tag? What percent of your income would it take to pay for it?
by campy2010
Fri Apr 22, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Leaky Wine Bottle
Replies: 13
Views: 1518

Re: Leaky Wine Bottle

Congratulations, you've learned how to make vinegar (or maybe just oxidized wine, real vinegar requires a specific bacteria Mycoderma aceti). And you've also learned why sommeliers do a small pour before filling glasses for the table. My guess is whomever draws the short straw and has to taste test ...
by campy2010
Tue Apr 19, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Cell phone - Separating work from life
Replies: 18
Views: 1652

Re: Cell phone - Separating work from life

I am a CPA but an employee in a CPA firm. I have clients constantly asking for my cell phone number so they can contact me when they think of questions (via text or phone). I refuse to give them my number. I understand that sometimes you have things come up outside normal business hours but are we ...
by campy2010
Sun Apr 17, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye College Loan!
Replies: 12
Views: 955

Re: Goodbye College Loan!

Congrats! The email with "Congratulations, your loan has been paid in full" is such a good feeling.

And make sure you save the loan payoff confirmation, just in case.
by campy2010
Fri Apr 08, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Collections Debt: Required to Pay?
Replies: 11
Views: 1345

Re: Collections Debt: Required to Pay?

I imagine it would be hard to distinguish between phone scammers and debt collectors. Not much difference between them. I would assume scammers unless you receive notification via snail mail.
by campy2010
Thu Apr 07, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 5921

Re: Buying a new car

Step #1: start by opening a throwaway gmail account. You will be getting car dealer spam forever if you do this with your primary email.
by campy2010
Wed Apr 06, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Signed up for Personal Capital - Now I get daily texts from Vanguard with a Security Code
Replies: 4
Views: 784

Re: Signed up for Personal Capital - Now I get daily texts from Vanguard with a Security Code

Try replying to the text with "STOP". Many legitimate automated systems use STOP to indicate an opt-out.
by campy2010
Thu Mar 17, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4012

Re: Age 29; stay in smaller house or buy a bigger house?

It looks like you are living just within your means right now. Adding kids into the mix will only tighten the finances. I would put a bigger house on the far back burner and focus on shoring up your finances for when the kids arrive. Elephants in the room, in no particular order.... 1. repayment of ...
by campy2010
Tue Mar 15, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Distributing lump sum to student loans
Replies: 9
Views: 922

Re: Distributing lump sum to student loans

This isn't her first job, and we've been in repayment, so accrued interest on the federal loans will only be for the previous month. She doesn't receive the lump sum until after she starts the new job on 4/4/16, and our loan payments are all on the 28th of the month. Hopefully that 3.5 weeks will b...
by campy2010
Sat Mar 05, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Federal Tax Refund
Replies: 24
Views: 2283

Re: Delayed Federal Tax Refund

Maybe I'm in the minority but this is good news to me. I would much rather see the IRS slow down refunds than the alternative, which was giving away billions of dollars to criminals and causing hours of extra work for taxpayers who have had fraudulent tax returns submitted in their name.
by campy2010
Fri Mar 04, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Will closing a checking account (with overdraft) hurt credit?
Replies: 5
Views: 570

Re: Will closing a checking account (with overdraft) hurt credit?

Checking accounts don't factor into credit scores*. Close it if it makes your life easier.


*well, except when you open a bank account and the bank does a hard pull on your credit, but that is very, very minor and temporary
by campy2010
Wed Feb 24, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: 27, ROTH contribution or pay down debt (39% of payments to interest this past year)?
Replies: 32
Views: 2301

Re: 27, ROTH contribution or pay down debt (39% of payments to interest this past year)?

Student loans use a formula where interest accrues daily. So when your monthly payment is due, the accrued interest based on the number of days since the last payment is paid first and the balance goes to the principal. All federal loans follow this formula. Looking at your payment history, it looks...
by campy2010
Fri Feb 19, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Mahjong
Replies: 5
Views: 1097

Re: Mahjong

Try Google. This is a personal finance forum.
by campy2010
Fri Feb 19, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 1796

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

livesoft wrote:I thought these places had apps that would tell you all that.


Also Google, although the Seattleites like to say Bing.
by campy2010
Tue Feb 16, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: TIRA to Backdoor Roth, am I too late??
Replies: 10
Views: 980

Re: TIRA to Backdoor Roth, am I too late??

Does your current 401k allow in-service contributions of tIRA funds? If so, you can roll your tIRA into your current 401k and then proceed with your backdoor Roth IRA contributions.
by campy2010
Sun Feb 07, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: When does it make sense to move part of your emergency fund into a Roth IRA. And which fund to put it in?
Replies: 9
Views: 936

Re: When does it make sense to move part of your emergency fund into a Roth IRA. And which fund to put it in?

I need to make an adjustment to the above: my wife and I are in the 28% tax bracket, not the 25%. We're actually just at the start of the phase-out for a ROTH IRA, which I didn't realize. I'm likely going to have to pull some money out of my Roth. I'm assuming that since we're in the 28% tax bracke...
by campy2010
Sat Feb 06, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae / Navient payoff date doesn't agree with my math
Replies: 10
Views: 712

Re: Sallie Mae / Navient payoff date doesn't agree with my math

If you can't get an amortization schedule, you can use your payment history to back into an amortization schedule. It should be on the Navient website. As long as the principal and interest is being accounted for correctly then how many payments you have left is not that important. And, this goes wi...
by campy2010
Thu Feb 04, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6832

Re: Sibling's destination wedding?

My sibling's wedding was a destination wedding for me. At the time I didn't have much money as a I had just graduate college but I'm glad I made the effort to attend, despite the expense. If I were in your shoes, I would make an effort to attend with the family. It would be a different story if it w...
by campy2010
Fri Jan 08, 2016 12:40 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 15905

Re: Netflix, Your Current Favorite Show

knpstr wrote:FYI: Don't watch Making a Murderer unless you feel like getting disgusted with the criminal justice system.


And you have 10 hours free because it is impossible not to binge watch.
by campy2010
Mon Jan 04, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5414

Re: How do you have fun?

I ride bikes, hike and snowboard for fun. My friends and I go to restaurants, BBQ, or cook with each other on a regular basis. For our dinners together, we tend to attempt cuisine from different areas of the world until we get tired of the cuisine and move on. In the past year we have done Korean, T...
by campy2010
Tue Dec 15, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?
Replies: 29
Views: 1315

Re: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?

Didn't even have to read the other thread or the rest of the posts to know that this guy is a troll.

The bogleheads are very giving of their time and knowledge and give people the benefit of the doubt but they're not dumb.
by campy2010
Fri Dec 11, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Gift for your boss
Replies: 54
Views: 3684

Re: Gift for your boss

I'm really astonished at all this gift giving up and down the food chain. That never happened in my decade of working at various companies, and I would feel very uncomfortable about it. At one place we did have company supplied funds for a Christmas party, until a worker of another religion complai...
by campy2010
Thu Dec 10, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 4708

Re: We have a major bedding issue. Yes, bedding.

I also think that 71 at night is hot - far too hot for the amount of bedding you describe. As a data point from a northerner who is also female, when the temp is above 70-75 degrees I sleep with a flat sheet and maybe an empty duvet cover, usually with my bare feet sticking out. We only use a sheet ...
by campy2010
Mon Dec 07, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Employer match issues
Replies: 4
Views: 590

Re: Employer match issues

Thanks for the input, sorry for the delay in writing back. Is an extra $6000 to my paycheck really the same as $6000 employer match? For example, if they gave me the $6000 in the 403b it would be equal to $6000, but $6000 in my paycheck would be $4,020 in the 33% tax bracket, no? Maybe I'm wrong ab...
by campy2010
Thu Dec 03, 2015 1:16 am
Forum: Personal Consumer Issues
Topic: Ultimate Weird Question - seeking best "breastfeeding lamp"
Replies: 22
Views: 1428

Re: Ultimate Weird Question - seeking best "breastfeeding lamp"

Hiking headlamp for mom. Eye mask for dad.
by campy2010
Thu Dec 03, 2015 12:39 am
Forum: Personal Consumer Issues
Topic: Please recommend company for true Canadian goose down comforter.
Replies: 11
Views: 1757

Re: Please recommend company for true Canadian goose down comforter.

Cuddledown. Made in Maine of down from Europe. I have their "summer weight" (600 fill power, I think) down comforter and use it all winter with my thermostat set in the 60s. They had everything 25% off over the weekend so I would expect to see a similar sale before the holidays. http://www...
by campy2010
Sun Nov 15, 2015 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with student loan refinancing
Replies: 8
Views: 805

Re: Help with student loan refinancing

Welcome to the forum. It wouldn't hurt to apply for re-financing with SOFI, DRB, etc but these companies tend to cherry pick the best borrowers and look carefully at the debt-income ratio. I don't think they will offer you a more competitive rate, but it doesn't hurt to try. IBR + 25 year repayment ...
by campy2010
Sat Nov 14, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 4805

Re: we have a cat - need help

Take her to a no-kill shelter. They can check for a microchip and find her a good home.
by campy2010
Sun Nov 08, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: What is unused (cell plan) data worth to you?
Replies: 56
Views: 4475

Re: What is unused data worth to you?

Looking at it a different way, $16/month is almost $200/year. You could have 1 $200 overage/yr and still come out ahead.
by campy2010
Wed Nov 04, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4777

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

thomasbayarea wrote:The 2015 looks SO MUCH better than the previous generation. That would be my choice, hands down.


Totally agree.

Also the sport model doesn't have cruise control. Annoying if you do any long-distance driving.
by campy2010
Mon Nov 02, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Computershare - Better to sell or hold a single stock
Replies: 8
Views: 764

Re: Computershare - Better to sell or hold a single stock

There is probably a non-trivial annual fee as well so I wouldn't leave the stock in that account for 10-20 years. Either sell or transfer in-kind to a low cost brokerage. But for $60 I would just sell it.
by campy2010
Fri Oct 30, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Hard Cider & a Flick
Replies: 30
Views: 3003

Re: Hard Cider & a Flick

Many of the good hard ciders are regional and don't have national distribution. My favorite from my time in New England is Bantam hard cider. Almost like a reisling. On the expensive side but very good. Beer Advocate.com is the Bogleheads forum of the beer/cider world so check their reviews on the c...
by campy2010
Tue Oct 27, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Infuse Student Loan into Mortgage?
Replies: 30
Views: 2328

Re: Infuse Student Loan into Mortgage?

I vote no. Your equity, her debt, new marriage. Too many potential issues for little benefit. Refinance the 6.8% loans at SOFI, DRB, etc and reduce the interest rate. I would not pre-pay the 1% loan and would instead focus on saving and investing.
by campy2010
Sun Oct 18, 2015 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for teenage daughter - best option?
Replies: 46
Views: 3398

Re: Credit card for teenage daughter - best option?

Thanks for all of the replies. Based on what I'm reading, I'm more convinced that my initial idea (adding her as an authorized user of my AmEx) is the right one. As I mentioned in my OP, my daughter isn't working at all yet, so aside from the money she has from past B-day and Xmas gifts, all of the...
by campy2010
Sun Oct 11, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with "do nothing"/double dipping coworker
Replies: 23
Views: 5074

Re: How to deal with "do nothing"/double dipping coworker

You shouldn't have to "deal with" the situation - that is your boss' responsibility. Your responsibility is to communicate to your boss what is going on. Tell your boss that people are coming to your for requests that are Bob's responsibility and while you don't mind helping out now and th...
by campy2010
Thu Oct 08, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Good Christmas Presents for 3 and 4 year old
Replies: 24
Views: 964

Re: Good Christmas Presents for 3 and 4 year old

My mother picked up a leappad at a yard sale for a few bucks and gave it to my son. The first couple of days he had it he wouldn't put it down and became quite surly and disagreeable when I told him to put it down for dinner and to do other things. We took it away from him and he had a tantrum. We ...
by campy2010
Thu Oct 08, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Good Christmas Presents for 3 and 4 year old
Replies: 24
Views: 964

Re: Good Christmas Presents for 3 and 4 year old

Scooters + helmets - the 3 or 4 wheeled models are made for ~4 year olds.
by campy2010
Wed Oct 07, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Job Offer in Bay Area
Replies: 27
Views: 3260

Re: Help With Job Offer in Bay Area

Salary ranges published online on sites like Glassdoor are usually a bit dated. So this offer is at the bottom of the range. It sounds like you're early in your career, so I think you should focus on salary and not future benefits like severance. Call the hiring manager and say you're excited at the...
by campy2010
Sat Oct 03, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: student loan consolidation
Replies: 7
Views: 898

Re: student loan consolidation

Sofi, DRB, and Commonbond are the big players in student loan refinancing, probably in that order. They look at credit score but really debt-to-income is their main criterion for setting interest rates. AFAIK, P2P lending tends to be higher interest rate loans for those who are poor credit risk. I d...
by campy2010
Sat Oct 03, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: student loan consolidation
Replies: 7
Views: 898

Re: student loan consolidation

In your case, you don't want a loan consolidation. One of your loans is already at a great rate - keep the 2.3% interest rate, subsidized loans as-is. You could separately refinance the 5% and 6.8% loans at a lower interest rate at a private lender (Sofi, DRB, Commonbond). I wouldn't worry about the...
by campy2010
Wed Sep 30, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Do you recommend a bread maker?
Replies: 30
Views: 1810

Re: Do you recommend a bread maker?

Do you recommend a bread maker? If so what brand and why? My wife is often gone much of the day while I am home. I thought that baking bread would be a nice way to do something nice for her, but I have no idea how to do it. Thanks. Very sweet. I've used the nytimes "no knead" recipes many...
by campy2010
Thu Sep 17, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Corelle Dinnerware, anyone?
Replies: 22
Views: 2107

Re: Corelle Dinnerware, anyone?

New Corelle is not the same as old Corelle. The newer Corelle isn't as durable as it was in the past. It isn't your dishwasher or anything you're doing. If you want your Corelle to last then try Goodwill or a second-hand store. Or branch out to real dinnerware.
by campy2010
Mon Sep 14, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Awesome 401k, should I skip ESPP
Replies: 31
Views: 3041

Re: Awesome 401k, should I skip ESPP

I don't understand the interest in your ESPP program in lieu of your awesome 401k. A $1 investment in your 401k nets $0.75 tax deferred. A $1 investment in your ESPP nets $0.15 minus income tax plus or minus fluctuations in your employers stock. Not only is the 15% discount taxable, it is taxable at...
by campy2010
Tue Aug 18, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff Plan Advice
Replies: 18
Views: 1660

Re: Student Loan Payoff Plan Advice

For loan 1, I would refinance the 6.8% loans with a 5-year variable-rate loan with SOFI or one of its competitors. If you can't do that, then separate the 6.8% sub-loans from the others and direct extra principal payments toward the 6.8% sub-loans only. For loan 2, pay minimum For loan 3, refinance ...

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