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campy2010

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.

campy2010

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 ...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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.

campy2010

Other ideas for long weekends in November from Boston:
Sedona AZ
Nashville TN

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

Personally I wouldn't let $65 ruin an enjoyable holiday weekend with friends/family

campy2010

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...

campy2010

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...

campy2010

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.

campy2010

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.

campy2010

Since time is limited, find an airbnb to rent for a month while she searches for a roommate.

campy2010

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...

campy2010

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.

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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...

campy2010

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.

campy2010

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...

campy2010

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...

campy2010

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.

campy2010

Congrats.

campy2010

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,...

campy2010

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...

campy2010

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...

campy2010

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 ...

campy2010

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.

campy2010

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...

campy2010

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 ...

campy2010

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?

campy2010

spth wrote:Any plans to get married?

I'll volunteer. As long as there's no pre-nup.

campy2010

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...

campy2010

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.

campy2010

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...

campy2010

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 ...

campy2010

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.

campy2010

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 until you r...

campy2010

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...

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