Search found 114 matches

by nymeria.stark
Mon Jul 15, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 3151

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

The guy who said to drive through Buffalo quickly and with your car doors locked either hasn't been there in the past 10 years, or has mostly been on the East Side. Stick to the West Side and you're fine. Elmwood, Allentown, Parkside, North Buffalo...it's fine. You need to keep your head on a swive...
by nymeria.stark
Thu Jul 11, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 3151

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

So, there are two Buffalos: the tourist-y Buffalo and the actual Buffalo. It depends on which one you want to visit. My recommendation (for the actual Buffalo) would be to take in the following: * Duff's Wings . Go to the location on Sheridan Drive, which is the original. It has franchises now, but ...
by nymeria.stark
Wed Jul 25, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Condo or Continue To Rent ?
Replies: 33
Views: 2262

Re: Would You Buy This Condo or Continue To Rent ?

I vote yes, buy it. Locks in your housing costs for the next seven years. Plus, $250,000 for a condo that close to NYC (in a gentrifying neighborhood)...you should be able to get your money back when you sell. Just my :dollar :dollar But also think about what improvements might need to be made to yo...
by nymeria.stark
Wed Jul 25, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4776
Views: 1296252

Re: What Book Are You Currently Reading? Part VI

The Three-Body Problem by Cixin Liu, translated by Ken Liu. It's harder sci-fi than I usually like, but fascinating. Decided to give it a shot after reading "The Paper Menagerie" by Ken Liu and seeing that he translated this book. It's profoundly disturbing and interesting--lots of specul...
by nymeria.stark
Tue Jul 24, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8889

Re: Engineers come in.

Cruising through a degree course, any degree. My experience at a top university: The entire student body is composed of students who were in the top 5% of their high school classes. Some worked very hard to achieve that, some drifted all the way through high school but were talented enough to end u...
by nymeria.stark
Fri Jul 20, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 6496

Re: Telemarketing calls from my own prefix

Is there any solution for people who get these calls on a small business cell phone? I often get calls I am not expecting from my client's vendors, whom I don't have in my phone directory. I don't have the option of ignoring calls from unknown numbers... I used Robokiller for a while--it's $30/yr, ...
by nymeria.stark
Fri Jul 20, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Which degree to pursue?
Replies: 18
Views: 1802

Re: Which degree to pursue?

Six Sigma has always interested me, but I was unsure if was still considered a respectable certification. To be honest, I really do not want to do engineering, but I understand that it is highly respected in my industry. I wouldn't go to school to learn things I didn't want to do -- life is way too...
by nymeria.stark
Thu Jul 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up career growth for more time outside of work
Replies: 38
Views: 3232

Re: Giving up career growth for more time outside of work

(there have been 3 folks who have stepped down from leadership roles in the past 12m – all still employed at the company) First, congratulations on both your new baby and your financial state! You're in a super solid place, it sounds like, and this is more an emotional than a financial question. A ...
by nymeria.stark
Thu Jul 19, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3755

Re: suit shoe combo?

Ok, on a related note, for a business casual look, do the shoes need to match the belt? Brown belt and brown shoes or does it matter? Probably depends on your profession and kind of office environment. In STEM fields, you're usually fine as long as you remember to zip up your fly and not tuck your ...
by nymeria.stark
Thu Jul 19, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3755

Re: suit shoe combo?

I'm a fan of the sneaker and suit look, but it's hard to pull off with shoes like that (as nice as they are!). Converse or Adidas would be great, if you already own them. Check out these looks: https://www.dmarge.com/2018/04/sneakers-suit.html#gsi3 And note...not many of them are wearing ties, and ...
by nymeria.stark
Wed Jul 18, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 15495

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

...like nymeria.stark says : "It's hard to understand what's going on when you're not sitting with the numbers on a regular basis. Speaking from the other side of this, I trust my husband deeply, but because I don't deal with everything on a daily or weekly basis, it's hard for me personally t...
by nymeria.stark
Wed Jul 18, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3755

Re: suit shoe combo?

Eh....that style shoe is not right even for the sneaker/suit look. It would look like you just don't have a pair of dress shoes, not that you tried to be goofy or trendy. Grab a pair of red converse Chuck Taylor's and you have a winner.... +1 I'm a fan of the sneaker and suit look, but it's hard to...
by nymeria.stark
Wed Jul 18, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Here is what Mr / Mrs LawEgr did. One of the two of us had substantial student loan debt, and I'll let you guess who. ...Acknowledged we needed a come to "whatever" talk on finances. As a couple, we are two smart people with two entirely different ideas on how to manage it. We talked, and...
by nymeria.stark
Wed Jul 18, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Hi, all-- I've done some research on the forum on student loans, but I think it's time for me to ask for more personalized advice. What will your payment be going up to in two years? Will you have the car paid off by then? Is your current interest variable on the student loan or is it locked in? Wh...
by nymeria.stark
Wed Jul 18, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Have a friend or family member refer you to sofi, they don't have to be a sofi customer to do so, and you'll both get a bonus. I had a family member refer me (really I did it all myself using their infom with their permission) and refid a small amount with sofi, got a marginally lower rate and betw...
by nymeria.stark
Wed Jul 18, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Reality check. Your income alone is about the same as the median household income in the US. Many families are living just fine on that income. If you are struggling to maintain your budget, then you are living beyond your means. Totally fair. I'll take a closer look at the budget this weekend. I a...
by nymeria.stark
Wed Jul 18, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Thanks so much, tch_usa. That math is incredibly helpful, and it makes such a difference to see those numbers. I'll absolutely start seeking out refinancing options, even if they don't shave multiple percentage points off the interest rate. We have term life insurance-- we know whole life is a crock...
by nymeria.stark
Wed Jul 18, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 4746

Re: How much did your braces/invisalign braces cost?

I will have 2 kids in braces over the next 4 to 5 years. It looks like the cost will be around 6k each. The majority of payment will be out of pocket. Does 6k seem like a reasonable amount for treatment that will last 21 months? The cost of traditional braces and invisalign is the same, at least fr...
by nymeria.stark
Tue Jul 17, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Delamer and JoeRetire, thank you so much, again! I really appreciate your thoughtful responses. Yes, we combine funds and debts (which is part of the reason I'm being so vague--not sure how much of our financial information my spouse would appreciate being on the internet). My spouse also has studen...
by nymeria.stark
Tue Jul 17, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

I refinanced my Law School loans through PenFed but afterwards I received several promotions from my local CU to refinance (I think rates were comparable to PenFed). You may want to see if any CU you're affiliated with has a student loan refi program; I believe my CU leverages LendKey--you may like...
by nymeria.stark
Tue Jul 17, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Re: Another student loan question

Thanks for the suggestions! My gross annual income is $60,000. I work a more than full-time job in PR and I'm a writer, so any side hustles I pick up in my field pay a laughably small amount (seriously $75 for two weeks of work, or sometimes I'll work weeks on a pitch only to have it not get picked ...
by nymeria.stark
Tue Jul 17, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 7704

Re: $540 a month on food for graduate student budget too much?

As a former graduate student, I get that it's easier to run out and get something to eat. It's a brain break! It gets you out of the library or out of the classroom, and it can feel like a good motivation/reward for studying or writing. I probably spent way too much on coffee in those days, just bec...
by nymeria.stark
Tue Jul 17, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1405

Another student loan question

Hi, all-- I've done some research on the forum on student loans, but I think it's time for me to ask for more personalized advice. Here's the deal. I have a Federal Direct Graduate Plus student loan from the Department of Education, serviced by Nelnet. I originally borrowed $50,000 in 2008. In 2015,...
by nymeria.stark
Tue Jul 17, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 15495

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

But yesterday my wife asked me for all of the username and passwords for all of the accounts incase something happened to me. I realized I have no easy way of giving them to her. I don't want to e-mail them to her, and it didn't sit right with me to just write them all down in a notebook and god fo...
by nymeria.stark
Thu May 03, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 21
Views: 5024

Re: Redesigned 2019 Forester - details now available

Details on the redesigned 2019 Forester are coming out. Highlights - Turbo version (XT) no longer available.... "While every new Forester comes with Subaru's EyeSight driver assistance features, the Touring spec debuts the DriverFocus fatigue and distraction alert. In unison with EyeSight, Dri...
by nymeria.stark
Tue Feb 27, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Student loan information source
Replies: 18
Views: 1692

Re: Student loan information source

I also have graduate student loans, which I consolidated via the Federal Direct Loan Consolidation program . It brought my interest rate down from 7.5% percent to 6.25%. That was a stopgap measure because I was kicked off of income-based repayment; I was able to choose a graduated repayment plan to...
by nymeria.stark
Tue Feb 27, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Student loan information source
Replies: 18
Views: 1692

Re: Student loan information source

... I clearly had far more student debt than your daughter, because a $125/month student loan payment sounds like an absolute dream to me, ... Perhaps you missed a digit? Her minimum at standard payment rates would be ~$1,225, not $125. That said, her profession and prospects for dependable income ...
by nymeria.stark
Mon Feb 26, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan information source
Replies: 18
Views: 1692

Re: Student loan information source

Ugh, I feel you. I also have graduate student loans, which I consolidated via the Federal Direct Loan Consolidation program . It brought my interest rate down from 7.5% percent to 6.25%. That was a stopgap measure because I was kicked off of income-based repayment; I was able to choose a graduated r...
by nymeria.stark
Tue Jan 02, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1274

Re: Asked to give a seminar about student loans and paying for college

GreenGrowTheDollars, << Achieving National Merit Status can yield full tuition scholarships at some colleges and very significant merit scholarships at others.>>> Yes, but unless the student had taken the PSAT test, they would not be in the consideration for the National Merit Scholarship at all. I...
by nymeria.stark
Tue Jan 02, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1274

Re: Asked to give a seminar about student loans and paying for college

GreenGrowTheDollars, << Achieving National Merit Status can yield full tuition scholarships at some colleges and very significant merit scholarships at others.>>> Yes, but unless the student had taken the PSAT test, they would not be in the consideration for the National Merit Scholarship at all. I...
by nymeria.stark
Wed Oct 11, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10527

Re: Do you want your receipt?

This has been an enlightening thread. I always take the receipt and am annoyed when the cashier asks, thinking to myself "OF COURSE I want my receipt! How else am I going to prove to the security guard that I paid for this, how else am I going to spot it when the waiter adds $10 to his tip (th...
by nymeria.stark
Thu Aug 24, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9623

Re: Free Reading

Thank you for pointing this out. I see now that my original post could have been interpreted as aggressive, which was not my intent. I simply wanted to provide information I didn't know until I became a library trustee and most of the general public doesn't know. I hope the OP didn't take offense. I...
by nymeria.stark
Thu Aug 24, 2017 11:30 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 31550

Re: Revealing Usernames

This is EXACTLY why I started this thread. People join with the idea that they won't reveal much or that it does not matter....but so much does get revealed in the long run. And it does matter. Even if you never intend to ask questions here, do not use anything like your real name and certainly do ...
by nymeria.stark
Wed Aug 16, 2017 5:23 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 31550

Re: Revealing Usernames

Quick word of warning. I'm just an ordinary person/corporate stooge/former reporter who knows how to use Google, but...one user mentioned he used his real name on this forum. Out of curiosity, I tried to see how much I could find about him on the internet just going off of his "real name" ...
by nymeria.stark
Wed Aug 16, 2017 1:11 pm
Forum: Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 9666

Re: please help...am I overextended - first home

Agreed -- you could make it work, but it would be so tight that your quality of life would probably go down, and that's what you're trying to avoid. Two points: * Please don't count on a raise before it happens. It's fine to plan what you would do with a raise if you got one (actually, you SHOULD do...
by nymeria.stark
Wed Aug 16, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9623

Re: Free Reading

makes sense to me. I think you may be referring to a state law that doesn't apply to me. I was also really thinking in different terms. I'm sure you've heard of cases where the Freedom of Information Act has been misused & undue expense laid on some who asked for what many would say was unreaso...
by nymeria.stark
Wed Aug 16, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23575

Re: How far would you travel to see The Eclipse?

Kenkat wrote: Mon Aug 14, 2017 1:13 pm What area of the country are you in?
Central Idaho. Our little town is right on the path of totality.
by nymeria.stark
Mon Aug 14, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23575

Re: How far would you travel to see The Eclipse?

I counted 17 people in this thread willing to travel for the eclipse. 18 people. I am not this year because I have a little one and another on the way. But it will be about 2000 miles to see the next one. Based on the volume of users and traffic on this site, that doesn't feel like very many people...
by nymeria.stark
Mon Aug 14, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23575

Re: How far would you travel to see The Eclipse?

munemaker wrote: Sat Aug 12, 2017 4:56 am I once flew my Lear Jet up to Nova Scotia to see a total eclipse of the sun. That's about 650 nautical miles.
Are you where you should be all the time?
by nymeria.stark
Mon Aug 14, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9623

Re: Free Reading

I posted similar thoughts up-thread. rgs92 has not replied to my post, and I have my doubts whether he will reply to yours. rgs92 will continue to question the role of public libraries. I'm cool with that. :) I haven't changed my dad's mind on this, either. https://imgs.xkcd.com/comics/duty_calls.p...
by nymeria.stark
Mon Aug 14, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9623

Re: Free Reading

!st, I'm on the "pro" library side, but don't think I could improve on what has previously been said. I do have a question regarding the law cited (my underline added)....I honestly don't know what jurisdiction that is...Local? State? etc. I would be interested in hearing more. I note you...
by nymeria.stark
Fri Aug 11, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9623

Re: Free Reading

Do brick-and-mortar libraries have a useful purpose anymore? Are they worth the public funds they cost? Just asking. Hello, library board trustee here. In my opinion, ABSOLUTELY YES. There is no other institution that is required by law to protect free access to information, no questions asked. Man...
by nymeria.stark
Fri Aug 11, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Re: Leather couch, dog scratches -- help?

Thanks to everyone for your help! No harm in trying the olive oil thing--and maybe getting a bigger/better/heavier blanket for her that won't fall off. That link to the at-home leather repair is super interesting, too.

Thanks again! I knew you all would have good answers. :)
by nymeria.stark
Fri Aug 11, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Re: Leather couch, dog scratches -- help?

I used to keep the dogs off our furniture, but the pleasure of snuggling with a 100# lap dog matters more than furniture. She has an old blanket that she messes with and somewhat spares the leather. We wash the blanket every now and then when it starts to get musky. Same, same. She was originally n...
by nymeria.stark
Fri Aug 11, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Re: Leather couch, dog scratches -- help?

I have two leather couches and one fabric couch. My large dog is trained that the leather couches are off limits, but the fabric couch is his. I cover it with a cotton blanket and wash it frequently. Works quite well, but german shepherds train easily. She's part shepherd, so this gives me hope! Ma...
by nymeria.stark
Fri Aug 11, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Re: Leather couch, dog scratches -- help?

You can train the dog that it isn't allowed on the couch. Alternatively - you can accept the cushion is going to have scratches and flip it to the good-size when company comes (if the cushions can be flipped). Did this only start in the summer and do you keep the room warm? If so - you can try keep...
by nymeria.stark
Fri Aug 11, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Re: Leather couch, dog scratches -- help?

You describe the leather as 'flaking' off which to me implies it is not solid leather but laminated/bonded? In that case there is nothing you can do to repair it, short of preventing more wear - either keep the dog off the couch or try a surefit furniture protector specifically designed for pets. W...
by nymeria.stark
Tue Aug 08, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 10201

Re: kids think lazy if retire?

OP..perhaps next time the kids make a "lazy" comment you could tactfully suggest they pay their own way through college. They'll then get to experience how much hard work is required to begin the path to being lazy at 50. I was going to say...that's the response I would have gotten if I h...
by nymeria.stark
Tue Aug 08, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 4452

Leather couch, dog scratches -- help?

We bought a leather couch about 4 years ago. It's been fantastic--except for one thing. Our dog, whom I previously thought to be a perfectly-behaved angel, is a secret digger. As such, we now have a spot on the couch where she's scratched into the surface of the leather, causing it to flake. I have ...
by nymeria.stark
Tue Aug 08, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 16865

Re: Is Amazon Prime worth it?

I think it is worth it for me. I live in a rural area and shopping is limited. If I need a $5 or $10 or even $20 item, I'm not going to drive 25 miles or so to the nearest big box to get it. Amazon prices are good, not great. Delivery is great, not instant. Amazon prime works well for me and saves ...