Search found 862 matches

by campy2010
Sun Dec 16, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off student loan debt as markets are slowing down?
Replies: 27
Views: 1441

Re: Paying off student loan debt as markets are slowing down?

Regardless of what you choose, you should refinance the remainder of the loan with SOFI or one of its competitors. Then pay off the loan aggressively.
by campy2010
Sun Nov 25, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Need Gift Ideas for 25 Year Old Male
Replies: 16
Views: 1474

Re: Need Gift Ideas for 25 Year Old Male

1. If he's into sports, a hoodie or t-shirt or hat from one of the local sports teams.

2. If you're in a cold climate, nice Smartwool type socks are always welcomed in my house

3. Ask your niece?
by campy2010
Sun Nov 11, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 4049

Re: High-end Christmas decorations

My opinion about Christmas decorations is that they are meant to be collected over time. The first year, your collection won't look like the cover of a magazine, but year after year your collection of decorations will grow. And you'll build memories along the way. Waiting and going without this year...
by campy2010
Thu Nov 01, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2357

Re: Europe Trip

I was in Paris last year and London the year before the last two weeks of May and the last week of May and the first week of June, respectively. On both trips the weather was beautiful - in the high 70s, low 80s and no rain. Crowds were low(ish). Airfare was <$500. And an unexpected bonus in Paris w...
by campy2010
Mon Oct 01, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1396

Re: Airline shortened layover

Most airlines have policies that allow the customer to change their flight arrangements free of charge in event of a schedule change. I would figure out a couple of preferred alternatives and then call the airline and arrange new flights.
by campy2010
Wed Sep 05, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 1955

Re: Student loan payoff help

All student loans can be repaid early so I don't believe you got the right answer from Nelnet when you heard "you can't make a principal payment". With student loan companies, I have noticed that if ask the question differently then you'll get a different, hopefully correct answer. What you want to ...
by campy2010
Fri Aug 17, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card to Pay off Overpayment of Student Debt
Replies: 18
Views: 1664

Re: Credit Card to Pay off Overpayment of Student Debt

I did this the last year I was paying off my student loans. I had emergency funds to cover the balance so the risk of job loss or not being able to keep up the payment was minimal. And my interest rate was 6.8% so I was willing to take a small risk for the savings. The challenge is that most of thes...
by campy2010
Sun Jul 08, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Professional Crossroads - need advice
Replies: 12
Views: 1860

Re: Professional Crossroads - need advice

One of the advantages of a double income household is that one person can take risk, take time off, explore a job opportunity, etc, while the other person acts as the "stable" income. I say evaluate the opportunity carefully and if you want to go for it then do it, as long as the other member of the...
by campy2010
Fri Jun 15, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3316

Re: Job in MA, live in MA, RI, or CT?

Lived in MA, in my opinion there is no part of MA that is commutable from NH, RI and CT where you will also retain your sanity, particularly in the winter. People do it, I don't recommend it. Oh come on, certainly there is. Let's say you work in Methuen. You can easily live a couple miles away in N...
by campy2010
Fri Jun 15, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3316

Re: Job in MA, live in MA, RI, or CT?

Lived in MA, in my opinion there is no part of MA that is commutable from NH, RI and CT where you will also retain your sanity, particularly in the winter. People do it, I don't recommend it.
by campy2010
Fri Jun 15, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1482

Re: Long Weekend in November - NOLA, Austin, Other

Other ideas for long weekends in November from Boston:
Sedona AZ
Nashville TN
by campy2010
Mon Jun 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3857

Re: The effect of a difficult last name on employment prospects...

I have seen a couple of strategies used to improve the communication of their names. 1. Use an signature with a pronunciation in parentheses - Joe Iococca (pronounced EYE-OH-COKE-AH) 2. Suggest a shortened or abbreviated version of your last names for day to day communication - call me Admin Shorten...
by campy2010
Thu Jun 07, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5695

Re: daughter wants a college transfer?

I think your daughter's mental health matters a lot. These top schools put together a lot of kids who were once big fishes and small ponds and the competition can be fierce. Also, Cornell is known for the toughest grading among the Ivies. I imagine it is tough for a top student to become a 3.4 GPA s...
by campy2010
Sun Jun 03, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4332

Re: Can a physician work in tech while practicing as well?

I work in this field and people with clinical experience are immensely important for developing these systems correctly. Your medical expertise will be highly valuable to tech/medical/pharma companies. But businesses are run using teams so your role in tech would most likely be "clinical/medical adv...
by campy2010
Sat May 19, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13695

Re: Helping Adult Children (but not too much)

Your daughter is in great shape. If I was in your shoes, I would give her a generous graduation gift, probably cash, and then put the pause button on providing help. Too much "help" takes away her accomplishment of achieving independence, which is extremely important for young adults especially youn...
by campy2010
Tue May 15, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 10049

Re: Can a <median household save 1 year of expenses every year?

When I was first out of grad school about 8 -10 years ago, I was earning that much, saved 10% in retirement funds, and was putting about $25k/year toward student loans. My one luxury was living by myself in a medium to high COL area ($1500/month rent+utilities), but otherwise I didn't spend much mon...
by campy2010
Tue May 15, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Cape Cod Vacation
Replies: 11
Views: 1526

Re: Cape Cod Vacation

Parking is relatively far away from Woods Hole with shuttle buses that drop you off in town. I have only ever been in the off peak season and it took about an hour to pay, park, shuttle bus, walk to the ferry. Once you arrive, the bus system around the island is very good. Bring bikes if you can. ht...
by campy2010
Mon Nov 27, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Insulated shopping bags
Replies: 14
Views: 1094

Re: Insulated shopping bags

Cool bags aren't designed to be used with ice. The ice will sweat and/or melt and you'll have a dripping mess on your hands. I learned this without doing Livesoft's experiment - the results are already posted in pages of pages of cool bag Amazon reviews written by people who learned the hard way tha...
by campy2010
Sat Nov 25, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 6775

Re: Etiquette question: going out to dinner with friends and how to split the bill

Personally I wouldn't let $65 ruin an enjoyable holiday weekend with friends/family
by campy2010
Fri Nov 24, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 3151

Re: Pay this off now or not?

I'll caveat my post by saying that I'm less emotional about low interest debt that others in this forum.Would you be worried if your mortgage balance was $391K @4% and your student loan balance was $0? If that scenario doesn't bother you then neither should a $291k mortgage @4% and $100k student loa...
by campy2010
Thu Nov 09, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for repaying wife's law school loans
Replies: 23
Views: 2598

Re: Strategy for repaying wife's law school loans

Your current strategy is kicking the can down the road. But considering the uncertainty around PSLF and your combined incomes, you need to assume that the loans will have to be repaid. Once you accept that reality, I see two options: 1. Pay it all off or refinance, this would leave the wife's repaym...
by campy2010
Tue Apr 11, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 4254

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: 4948

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: 3164

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: 9076

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 move your car...
by campy2010
Sun Jan 08, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 5243

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: 9607

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: 2815

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: 3037

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: 2980

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: 5177

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: 5090

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: 1670

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: 9752

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: 1316

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: 70
Views: 7539

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: 706

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: 1050

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: 894

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: 8304

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: 11800

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: 9157

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: 1827

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: 1827

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: 1827

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: 3744

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: 1518

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: 3049

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: 7052

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...