Search found 841 matches

by campy2010
Tue Apr 11, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 3181

Re: Honda Pilot good 1st vehicle for teen?

Keep Pilot. But if I were a parent, I would take out 3rd row of seats or, if the son is trustworthy, strictly limit number of people allowed in the car.
by campy2010
Sun Apr 09, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 4042

Re: Telling Family About Daughters 529 For Gifts

I give my nieces and nephews cash and assume that it helps their parents teach them about spending vs saving vs investing. If some of it is spent on short-term wants like toys and candy and movies with friends, that's fine with me. There's a lesson in that too.
by campy2010
Mon Feb 13, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need quick advice: Pay full year's rent or large security deposit?
Replies: 47
Views: 2890

Re: Need quick advice: Pay full year's rent or large security deposit?

Since time is limited, find an airbnb to rent for a month while she searches for a roommate.
by campy2010
Thu Jan 12, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 8170

Re: Best Ways to Buy Time

Say "NO" to things you don't want to do without guilt. If it is charitable, offer money instead. If it is family/friends, just say no and move on or make an alternative suggestion that requires less time. At work, don't take on extra work that isn't your primary job function or doesn't mov...
by campy2010
Sun Jan 08, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4563

Re: The funk - gym clothes

I would toss them and buy new. But I don't spend much on synthetic gym t-shirts for this reason. I do spend a bit more on wool baselayers and they don't seem to get stinky. I let them dry out after working out and never put them in the dryer.
by campy2010
Tue Dec 06, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 8478

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

I'm surprised by all the negative responses here. If you have never flown with your child before, then your child might actually be great on planes and you just might not know it yet. We travel every year to see grandparents on flights with multiple legs, and we never paid for an extra seat. Even w...
by campy2010
Wed Nov 16, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Boston Logan Parking / Hotel?
Replies: 27
Views: 2079

Re: Boston Logan Parking / Hotel?

Flying with my family to a wedding. Nearest nonstop flight is out of Logan. We plan to spend the night in a nearby hotel prior to our early morning flight. In the past, I was able to find Park, Sleep, and Fly deals at decent hotels priced equal to or less than a week in the Massport Economy lot (cu...
by campy2010
Mon Nov 14, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 2423

Re: Should I change the job?

I disagree with the others who say that you should change jobs based on your employer's performance review process. I work for a MegaCorp and these rankings typically have a very specific rubric for an employee to earn exceeded level, above level, at level, below level (or whatever term your employe...
by campy2010
Wed Sep 28, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: What should I do with this knack? Super Recognizer
Replies: 18
Views: 2148

Re: What should I do with this knack? Super Recognizer

My friends and I do trivia at bars a lot. The questions seem to be skewed toward pop-culture so the people who always win are super-recognizers of celebrities and the movies in which they acted. You might win a few bucks here and there. Downside is that you would have to follow current-day celebriti...
by campy2010
Thu Sep 08, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Why is it hard to find >3 year old cheddar nowadays?
Replies: 30
Views: 4197

Re: Why is it hard to find >3 year old cheddar nowadays?

Whole Foods is all over New England and has plenty of options and decent prices, especially when items go on sale. Vermont has a booming craft cheese industry, but maybe not for cheddar. If you feel like traveling try Formaggio Kitchen in Cambridge, MA - a little pricey but it is a cheese lovers dre...
by campy2010
Thu Sep 08, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Is it typical to wait ~24 months for a meaningful/significant raise at work?
Replies: 45
Views: 4652

Re: Is it typical to wait ~24 months for a meaningful/significant raise at work?

if you ask me, that's a bit long to wait - especially at the more junior level. 2 years with just COL raises, if that? just seems a bit slow, especially when you can jump ship to other companies after about the 1 year mark and probably get 10% without even trying. your thoughts? I've worked for a n...
by campy2010
Wed Sep 07, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Personal Shopper/Service for Complicated Purchases
Replies: 14
Views: 1429

Re: Personal Shopper/Service for Complicated Purchases

2: An old CD from a garage band that lasted just a few months. The band was 20 20 Faith, before becoming Eleventh Hour (not the Eleventh Hours that's still around) and were centered out of Arizona around 2002. My wife had a 20 20 Faith CD that brings back memories of summer internships, but misplac...
by campy2010
Wed Aug 31, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Subaru owners - tin can sound, maybe heat shield?
Replies: 22
Views: 3501

Re: Subaru owners - tin can sound, maybe heat shield?

My ancient Legacy had this sound as does my neighbor's new Forrester. It must be a feature of Subarus - maybe so your family knows when you're home.
by campy2010
Mon Aug 22, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Interview Follow-up
Replies: 9
Views: 1100

Re: Interview Follow-up

I disagree with those who say it can't hurt to show you're still interested. Annoying the hiring manager by too frequent communication can hurt your chances of being hired. Imagine if you had 8 candidates for 4 positions and each of them emailed you once a week. If it takes a couple of minutes to re...
by campy2010
Sat Aug 06, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 58
Views: 4788

Re: Work in Vancouver, WA..possibly live in Camas?

Thanks all for responding, all answers have been extremely helpful. I've basically applied to this potential job offer sight unseen. I did live for a brief time in the other Vancouver..B.C. Which we absolutely loved. I guess I am extremely nervous to pack up my family of 4 without truly knowing the...
by campy2010
Thu Aug 04, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Canary Islands for a Wedding
Replies: 5
Views: 653

Re: Canary Islands for a Wedding

Scratching my head wondering whether this a humblebrag or a real question? If you include the dates and times someone might search Kayak and set up an itinerary for you. I imagine the most direct route is probably on a private plane, but it may not be the most cost effective option.
by campy2010
Fri Jul 22, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 883

Re: Floor Lamp Recommendations?

Honestly, there is very little to say without an incredible amount of more information, not the least being what your design inclinations are. The preexisting style of the house matters too, to some extent, but more so the type of furniture you already have. Floor lamps can be modern, transitional,...
by campy2010
Thu Jul 21, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Price Limit on Used Car from Private Party
Replies: 10
Views: 775

Re: Price Limit on Used Car from Private Party

I'm considering a used car from a private party. It's a 2013 Subaru Impreza with 25K miles priced around $14.5K, and appeared in great condition when I checked it out. I've also checked the KBB value. Do you have an arbitrary maximum for which you would pay for a used car from a private party? I do...
by campy2010
Wed Jul 20, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 7474

Re: Adopt my Girlfriend???

Adoption of an adult? I hope the presenter was joking. I would be mad that I wasted my time listening to someone who gave a flip response to what is a serious topic. Ask to Bogleheads the same question or pick up one of the many good books the Bogleheads recommend. I bet you'll get a better answer t...
by campy2010
Wed Jul 20, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 9568

Re: Why did the car salesman stop replying to my emails

As consumers, this is the shopping experience we've created for ourselves and let's be honest, we deserve it. If you want a better experience, vote with your dollars by going to Carmax and paying a bit more. Totally disagree about this. Car dealers have very, very strong lobbying efforts that have ...
by campy2010
Sat Jul 16, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 6922

Re: Do you tip Uber drivers?

Nope. And my user rating is 5-stars. If a driver gives me fewer than 5 stars because I don't tip then I would give them a lower than 5-star rating as well.
by campy2010
Fri Jul 15, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff Assistance
Replies: 12
Views: 1603

Re: Student Loan Payoff Assistance

According to the Nelnet website, the high interest loan was a non-subsidized Grad Plus loan which accrued interest from the outset (interest was simple and never capitalized) vs the slightly lower cost loans which were subsidized and therefore only started to accrue interest after graduation and pa...
by campy2010
Fri Jul 15, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff Assistance
Replies: 12
Views: 1603

Re: Student Loan Payoff Assistance -- 1st check how much accrued interest

Before deciding, you need to compare the amount of accrued interest on the various loans. My daughter had 7 loans from 6.5 - 8.55% --some with much accrued interest and some with almost none. We 1st paid off the 8.55% interest note. That was a mistake as interest is not compounded and any payments ...
by campy2010
Fri Jul 15, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff Assistance
Replies: 12
Views: 1603

Re: Student Loan Payoff Assistance

Everything you describe is exactly correct. Put the extra payment toward the highest interest loan, pay the minimum on the others until the high interest loan is paid off.

Have you tried refinancing the 6.X% loan with SOFI, DRB, Commonbond?
by campy2010
Sun Jun 26, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with a large bonus
Replies: 25
Views: 3262

Re: Need help with a large bonus

spth wrote:Any plans to get married?


I'll volunteer. As long as there's no pre-nup. :-)
by campy2010
Sun Jun 26, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Price of 2016 Honda Civic LX automatic
Replies: 10
Views: 1234

Re: Price of 2016 Honda Civic LX automatic

Anyone here bought a 2016 LX recently? I have done research and got a quote $500 below invoice (Invoice=$18,073, Quote= $17,500). Destination charge $835, taxes and tags are extra. The dealer is part of Sonic dealers in Northern Virginia. The salesman claimed that their price is legit with no press...
by campy2010
Sat Jun 25, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Cross country move. Buy car and drive or ship things and fly?
Replies: 26
Views: 2279

Re: Cross country move. Buy car and drive or ship things and fly?

I would buy a used car at your destination. Used cars are in much better condition in WA than NY because the roads aren't salted.

Public transportation, Uber, and a car rental can fill in in the meantime. Ship your belongings.
by campy2010
Mon Jun 20, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 5783

Re: College and beyond without a credit card?

For relative oldsters like me, our experience in youth isn’t all that relevant. In a small college town in the late 70s, the ATM network was just emerging, we routinely paid with personal checks, we could cash checks at stores that catered to students (with ID, for a fee), many sotes had CC minimum...
by campy2010
Sat Jun 18, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Navient (student loan) amortization sched. Q
Replies: 8
Views: 1324

Re: Navient amortization schedule Q

Thanks for your reply Your amortization schedule and the 71 month repayment date is a function of your repayment plan, so it shouldn't change by making principal payments. Why? I now owe them less money and if I were now to pay 220 over 71 months it will exceed what I owe. I've essentially changed ...
by campy2010
Sat Jun 18, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Need investment help for daughter
Replies: 13
Views: 900

Re: Need investment help for daughter

JCE66 wrote:KESP....I would make this stupendously simple, and go for the lowest cost.

Fidelity Total Market Index Premium: 80%
Black Rock US Total Bond Index Instl: 20%

Cost matters. A lot.


Yup. Agree. Put the international in a Roth IRA.
by campy2010
Sat Jun 18, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Navient (student loan) amortization sched. Q
Replies: 8
Views: 1324

Re: Navient amortization schedule Q

Your amortization schedule and the 71 month repayment date is a function of your repayment plan, so it shouldn't change by making principal payments. Because you paid early, your next "required" payment is moved into the future. Meaning that you could take a break and not go into default u...
by campy2010
Mon Jun 06, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: After 30 yrs at Megacorp my IT job was surplussed...
Replies: 52
Views: 7395

Re: After 30 yrs at Megacorp my IT job was surplussed...

Sorry to hear about your surplussing. My only tip is to sign up for unemployment when your severance is complete. Some people skip this step. I would probably take the summer off and look for another job in the fall. I wouldn't want to end my career on a layoff. But being able to ER and in a hot jo...
by campy2010
Mon Jun 06, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: After 30 yrs at Megacorp my IT job was surplussed...
Replies: 52
Views: 7395

Re: After 30 yrs at Megacorp my IT job was surplussed...

Sorry to hear about your surplussing. My only tip is to sign up for unemployment when your severance is complete. Some people skip this step. I would probably take the summer off and look for another job in the fall. I wouldn't want to end my career on a layoff. But being able to ER and in a hot job...
by campy2010
Mon Jun 06, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 5591

Re: Best AWD Sedan/Coupe?

A new version of the Impreza is coming out at the end of the year. Downside is historically Subarus have teething issues in the first year of a new model. So I would hesitate to buy one until later in 2017 or 2018.
by campy2010
Fri Jun 03, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 5582

Re: Move to Denver (Job) or stay in NoVA ?

One thing to consider is the college admissions process. Top universities will only accept a couple of students from each high school, even the top high schools like TJ. So the college admission process will probably be easier in Colorado than it would have been at TJ. As you move west, there are fe...
by campy2010
Fri May 27, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Navient improper processing of IBR - what can I do?
Replies: 9
Views: 1279

Re: Navient improper processing of IBR - what can I do?

First of all, your IBR payment is based on the prior years income tax returns. So if husband had no income in 2015 then saying income was $0 even though he now has a job isn't fraud. It's how the IBR program works. If the Navient wants you to re-file the form then do it. Again, saying you have no in...
by campy2010
Mon May 23, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Big Companies merging = no severance package?
Replies: 24
Views: 3694

Re: 2 Big Companies merging = no severance package?

My large employer has merged twice since I started 5 years ago. Going through the second merger right now. Both times employees were grandfathered into the new organization with their prior years of service. No resetting of the clock. That said, specific benefits usually default to what is being off...
by campy2010
Wed May 18, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married and how to quit my job. This is follow-up post earlier post
Replies: 16
Views: 2029

Re: Getting married and how to quit my job. This is follow-up post earlier post

Not much else to add except to say you have no reason to lie. Just be honest and finish out your two weeks.

Congratulations on the wedding and the big adventure. Good Luck!
by campy2010
Wed May 18, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 5403

Re: Pride in no inheritance to kids?

I also think you're mis-interpreting "pride". For the vast majority of people, their primary concern about retirement is whether or not they have enough for their own lifetime. If you're in the financial position where all of your needs will be met regardless of any black swan events, then...
by campy2010
Sun May 15, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 4025

Re: Food budget and frequent visitors who stay at our home

I would put the food expenses in the "entertainment/travel" budget and not in the food budget. You're probably saving money by having family travel to visit you instead of you traveling to visit them. But if you're on a fixed income and can't afford the expense, then include your visitors ...
by campy2010
Sat May 14, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Student Loans: Calculating Payoff Right?
Replies: 17
Views: 1611

Re: 12 Student Loans: Calculating Payoff Right?

AFAIK, Great Lakes is a federal loan servicing company and as such offers federal consolidation loans, which are always the weighted average of the interest rates of the underlying loans. If you want a lower rate you have to refinance with a private loan company like SOFI, Commonbond, and DRB. ETA: ...
by campy2010
Thu May 12, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Student Loans: Calculating Payoff Right?
Replies: 17
Views: 1611

Re: 12 Student Loans: Calculating Payoff Right?

To me it looks like this is a federal loan consolidations, which is simply a new loan that is the weighted average of your current interest rates. So you would lose the ability to repay the highest interest rate loans early AND the benefits associated with the subsidized loan. No upside here. What y...
by campy2010
Sat May 07, 2016 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Student Loans: Calculating Payoff Right?
Replies: 17
Views: 1611

Re: 12 Student Loans: Calculating Payoff Right?

Do you think we should leave the loans as is or try to refinance into just a single interest rate? I would definitely refinance the 6.8% loans and maybe the 4.5% loans. The <~4% loans are on the bubble because you may or may not qualify for a lower interest rate. And there is a tangible benefit of ...
by campy2010
Sat May 07, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Student Loans: Calculating Payoff Right?
Replies: 17
Views: 1611

Re: 12 Student Loans: Calculating Payoff Right?

If I am interpreting your approach correctly, you're planning to repay each loan equally over 2 years. Since loan #1 has the highest interest rate I would put all of the extra payments toward loan #1 until it is paid off, while paying the minimum on loans #2-4. Then move on to loan #2 and so on.
by campy2010
Sat May 07, 2016 11:19 am
Forum: Forum Issues and Administration
Topic: Is the smiley face angry?
Replies: 12
Views: 2211

Re: Is the smiley face angry?

I think you're over-complicating the smiley. :D :D :D

I do routinely question people's use of :twisted: . I scratch my head when the angry guy is used for minor annoyances. To me, he seems sooooo angry.
by campy2010
Thu May 05, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2695

Re: Anybody have success reducing memory overhead on windows computers?

I had this problem on my work laptop running Windows 7. By the end of the day an instance of svchost.exe was consuming all of my memory. Our IT people had a patch that didn't require re-installing Windows. I wasn't the only one in our office with the issue so it isn't an uncommon problem. I don't ha...
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: 2054

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: 2054

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: 2952

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.