Search found 805 matches

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: 7
Views: 611

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: 2125

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: 1557

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: 359

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: 2931

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: 1305

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: 1305

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: 1305

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: 1305

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: 1626

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: 1953

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: 1740

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: 1740

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: 1953

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: 2397

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: 375

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: 375

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: 1593

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: 1652

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: 1756

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: 994

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: 1384

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: 6413

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: 814

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: 4209

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: 957

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: 2744

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: 600

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: 2344

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: 1115

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: 1858

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: 1007

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: 959

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: 734

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: 7085

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: 16658

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: 5609

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: 1346

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: 3775

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: 4797

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: 608

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: 1493

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: 1799

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: 833

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: 4930

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: 4607

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: 4940

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: 782

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: 3044

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: 2384

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.

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