Search found 824 matches

by campy2010
Fri Jul 22, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Floor Lamp Recommendations?
Replies: 11
Views: 712

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: 658

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: 6520

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: 7447

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: 5252

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: 914

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: 914

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: 914

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: 2805

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: 852

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: 1641

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: 4212

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: 670

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: 615

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: 670

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: 6523

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: 6523

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: 3883

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: 4467

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: 889

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: 2264

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: 1652

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: 1588

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: 3099

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: 1388

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: 1388

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: 1388

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: 1388

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: 1771

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: 2066

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: 1820

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: 1820

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: 2076

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: 2525

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: 424

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: 424

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: 1664

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: 1708

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: 1829

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: 1057

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: 1465

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: 6823

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: 863

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: 4397

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: 1002

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: 3206

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: 633

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: 2488

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: 1147

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: 1913

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.

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