Search found 855 matches

by campy2010
Sun Oct 18, 2015 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for teenage daughter - best option?
Replies: 46
Views: 4427

Re: Credit card for teenage daughter - best option?

Thanks for all of the replies. Based on what I'm reading, I'm more convinced that my initial idea (adding her as an authorized user of my AmEx) is the right one. As I mentioned in my OP, my daughter isn't working at all yet, so aside from the money she has from past B-day and Xmas gifts, all of the...
by campy2010
Sun Oct 11, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with "do nothing"/double dipping coworker
Replies: 23
Views: 5440

Re: How to deal with "do nothing"/double dipping coworker

You shouldn't have to "deal with" the situation - that is your boss' responsibility. Your responsibility is to communicate to your boss what is going on. Tell your boss that people are coming to your for requests that are Bob's responsibility and while you don't mind helping out now and then these r...
by campy2010
Thu Oct 08, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Good Christmas Presents for 3 and 4 year old
Replies: 24
Views: 1259

Re: Good Christmas Presents for 3 and 4 year old

My mother picked up a leappad at a yard sale for a few bucks and gave it to my son. The first couple of days he had it he wouldn't put it down and became quite surly and disagreeable when I told him to put it down for dinner and to do other things. We took it away from him and he had a tantrum. We ...
by campy2010
Thu Oct 08, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Good Christmas Presents for 3 and 4 year old
Replies: 24
Views: 1259

Re: Good Christmas Presents for 3 and 4 year old

Scooters + helmets - the 3 or 4 wheeled models are made for ~4 year olds.
by campy2010
Wed Oct 07, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Job Offer in Bay Area
Replies: 27
Views: 3677

Re: Help With Job Offer in Bay Area

Salary ranges published online on sites like Glassdoor are usually a bit dated. So this offer is at the bottom of the range. It sounds like you're early in your career, so I think you should focus on salary and not future benefits like severance. Call the hiring manager and say you're excited at the...
by campy2010
Sat Oct 03, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: student loan consolidation
Replies: 7
Views: 1033

Re: student loan consolidation

Sofi, DRB, and Commonbond are the big players in student loan refinancing, probably in that order. They look at credit score but really debt-to-income is their main criterion for setting interest rates. AFAIK, P2P lending tends to be higher interest rate loans for those who are poor credit risk. I d...
by campy2010
Sat Oct 03, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: student loan consolidation
Replies: 7
Views: 1033

Re: student loan consolidation

In your case, you don't want a loan consolidation. One of your loans is already at a great rate - keep the 2.3% interest rate, subsidized loans as-is. You could separately refinance the 5% and 6.8% loans at a lower interest rate at a private lender (Sofi, DRB, Commonbond). I wouldn't worry about the...
by campy2010
Wed Sep 30, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Do you recommend a bread maker?
Replies: 30
Views: 2549

Re: Do you recommend a bread maker?

Do you recommend a bread maker? If so what brand and why? My wife is often gone much of the day while I am home. I thought that baking bread would be a nice way to do something nice for her, but I have no idea how to do it. Thanks. Very sweet. I've used the nytimes "no knead" recipes many times wit...
by campy2010
Thu Sep 17, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Corelle Dinnerware, anyone?
Replies: 22
Views: 3143

Re: Corelle Dinnerware, anyone?

New Corelle is not the same as old Corelle. The newer Corelle isn't as durable as it was in the past. It isn't your dishwasher or anything you're doing. If you want your Corelle to last then try Goodwill or a second-hand store. Or branch out to real dinnerware.
by campy2010
Mon Sep 14, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Awesome 401k, should I skip ESPP
Replies: 31
Views: 3895

Re: Awesome 401k, should I skip ESPP

I don't understand the interest in your ESPP program in lieu of your awesome 401k. A $1 investment in your 401k nets $0.75 tax deferred. A $1 investment in your ESPP nets $0.15 minus income tax plus or minus fluctuations in your employers stock. Not only is the 15% discount taxable, it is taxable at...
by campy2010
Tue Aug 18, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff Plan Advice
Replies: 18
Views: 1950

Re: Student Loan Payoff Plan Advice

For loan 1, I would refinance the 6.8% loans with a 5-year variable-rate loan with SOFI or one of its competitors. If you can't do that, then separate the 6.8% sub-loans from the others and direct extra principal payments toward the 6.8% sub-loans only. For loan 2, pay minimum For loan 3, refinance ...
by campy2010
Tue Jul 28, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 10618

Re: wife got in wreck with Honda CRV - no collison coverage

Do you have the name of the construction company? Was the driver cited for having an unsecured load? If so, I would sue them for the loss of your vehicle. The wife rear-ended someone. It probably doesn't matter why they stopped, she was following too closely. My understanding is that if you rear en...
by campy2010
Tue Jul 28, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 10618

Re: wife got in wreck with Honda CRV - no collison coverage

Do you have the name of the construction company? Was the driver cited for having an unsecured load? If so, I would sue them for the loss of your vehicle. ETA: If you are short on money, they I would consider a sedan like a Camry or an Accord. Safe and not as expensive as small SUVs of the same gene...
by campy2010
Thu Jul 23, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Using Excel to calculate effect of lump sum and extra payments on med school loans
Replies: 7
Views: 1109

Re: Using Excel to calculate effect of lump sum and extra payments on med school loans

Thank you both. Before delving into the first suggestion I changed my search a little bit and found out that excel will do all of the work for me, pre-templated. I right clicked on the tab of sheets at the bottom (sheet 1, sheet 2, etc), then "insert", then choose "spreadsheet solutions" tab, then ...
by campy2010
Wed Jul 22, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Family budget advice
Replies: 14
Views: 2300

Re: Family budget advice

You should add life insurance to your budget ASAP.

ETA: And you should find out the interest rates on your student loans. If they're above ~5%, then you should consider refinancing to a lower interest rate.
by campy2010
Wed Jul 22, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Using Excel to calculate effect of lump sum and extra payments on med school loans
Replies: 7
Views: 1109

Re: Using Excel to calculate effect of lump sum and extra payments on med school loans

I adapted one of the many Excel templates available online for tracking mortgage payments.
by campy2010
Tue Jul 14, 2015 8:00 am
Forum: Investing - Theory, News & General
Topic: Investing vs. Student Loan vs. Emergency Fund
Replies: 9
Views: 1295

Re: Investing vs. Student Loan vs. Emergency Fund

Thanks all for the suggestions! Lots of great stuff. After looking at everything, I like the idea of getting $5,000 small emergency fund in the bank, then putting EF in Roth until I have $15,000 for emergencies. Also, I'm going to go 50% student loan and 50% emergency fund each month. Any bonuses w...
by campy2010
Tue Jun 23, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Our nanny needs a student loan for PT school
Replies: 6
Views: 1970

Re: Our nanny needs a student loan for PT school

PT school is expensive for the salary upon graduation - really not a good choice from a debt:income standpoint. My guess is her school debt will be in the $90k-120k range (more at a private university) and the ultimate salary for a PT is in ~$70k range. Over 15 years, my very uneducated guess is tha...
by campy2010
Thu Jun 11, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 6867

Re: Non-Bogleheads approach to changing cars?

You're buying newer-model used cars and driving them for about 8 years, on average. The models are slightly newer in the recent years, presumably because of safety and size for the kids/family. Seems like pretty standard Boglehead behavior to me.
by campy2010
Mon May 18, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 10425

Re: How fast should I ride my bicycle?

The trail I use (rails to trails) is a mixed use trail, but I've never seen a speed limit sign. Most bikers I see are riding faster than me. There are also long stretches where you rarely see walkers and runners. Given that it was an old railroad track, it is very level overall. The only real probl...
by campy2010
Mon May 18, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 10425

Re: How fast should I ride my bicycle?

As a former bicycle racer, my answer to "how fast should I ride?" Would be..."wicked fast". As a former bicycle racer, my answer is "wicked fast (but not so fast that you can't make it to your destination)". But probably not "wicked fast" every time you're out on your bike. Otherwise, you may becom...
by campy2010
Sun May 17, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans- Consolidate or Not?
Replies: 6
Views: 954

Re: Student Loans- Consolidate or Not?

For me I'd look at this as two questions : (1) consolidate or not ? and (2) are the consolidation rates better/worse than the current deal ? The first would be easy for me , consolidate ; if those variable rates are tied to an index with a cap , I'd assume the worse case scenario and run the number...
by campy2010
Thu Apr 30, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Freshly roasted coffee beans
Replies: 29
Views: 2973

Re: Freshly roasted coffee beans

itstoomuch wrote:heading to Seattle next week. Lots of Ethiopian/Eritrea emigrants with stores. I think I am going to buy a bag of green beans and some mrryrh.
Tkx. :happy
Get a latte at Vivace. And, I would buy their roasted beans and call it a day. Yum.
by campy2010
Mon Apr 27, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to go from here with my Personal Finances?
Replies: 19
Views: 3732

Re: Where to go from here with my Personal Finances?

I would explore refinancing the higher interest student loans ( >5-6% interest rates) at commonbond, sofi, DRB, Citizens to a 5-year variable term. Others have reported rates as low as 2.75% variable, which would save you thousands in interest but would require a slightly higher monthly payment. Aft...
by campy2010
Mon Apr 13, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP Worth It?
Replies: 17
Views: 2747

Re: ESPP Worth It?

I would and do jump through some hoops for extra money - credit card bonuses, opening bank accounts, etc. But investing in a single stock for a $100 upside just isn't worth the trouble. A tiny bit of volatility in the stock price and you have a loss instead of a $100 gain. You benefit from having no...
by campy2010
Mon Apr 13, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating job offer - health plans
Replies: 19
Views: 2050

Re: evaluating job offer - health plans

So, some good news! It looks like i'll be okay with the tier 4 drug - if coverage exception is not approved for some reason (based on my calling around today, it should be) there are multiple "copay assistance" plans provided by the drug manufacturer that essentially pay the medication cost for me ...
by campy2010
Mon Apr 13, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating job offer - health plans
Replies: 19
Views: 2050

Re: evaluating job offer - health plans

If only one deductible and one OOP maximum are listed then both the medical and pharmacy costs should count toward that deductible and OOP maximum. If you choose the high plan and continue with similar medical and pharmacy utilization then you will be paying $2600 (deductible) +$6,000 (OOP max) = $8...
by campy2010
Thu Mar 26, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Review our Plan! (Marriage, Loans, Housing)
Replies: 5
Views: 1170

Re: Review our Plan! (Marriage, Loans, Housing)

Congrats on the "wedding"! You're in great shape for your age. Refinance the student loans, tomorrow, and get rid of those terrible interest rates. There are many threads on the refinance process with DRB, sofi, Citizens. The variable rates are around 3-4%. Then you can take your time deciding wheth...
by campy2010
Thu Mar 26, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 3407

Re: Failed Surgery - Doctor not volunteering discount

If you're not 100% comfortable with the way that the doctor handled your son's case then I wouldn't worry about the cost and instead would instead seek a second opinion at a different practice. A different doctor can examine your son and can provide counsel as to how he would have handled the failed...
by campy2010
Sat Mar 14, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: handling debt collection agency
Replies: 24
Views: 2356

Re: handling debt collection agency

I hate to say it but much of the advice on this thread is not good. You do not need to accept that this collection will be on your credit report for 7 years. There is a simple step-wise approach to dealing with collections companies 1. Try to pay the original creditor (the hospital) and have them pu...
by campy2010
Fri Mar 13, 2015 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for New Investor w/ Tons of Graduate Debt
Replies: 33
Views: 4376

Re: Advice for New Investor w/ Tons of Graduate Debt

I believe you will make too much to contribute to a traditional, (tax deductible) IRA. I think that contributions to a Roth IRA start to phase out at $114k (you should check "the google" to make sure) modified adjusted gross income for a single tax filier. Of course you can always do a "back door" ...
by campy2010
Sun Mar 01, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 4111

Re: iPhone upgrade

Why would your monthly bill go up? You should be able to keep your old plan if you want to. I have been able to maintain a grandfathered unlimited iPhone dataplan with AT&T at the same rate even when upgrading to a new device.
by campy2010
Thu Feb 19, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 50610

Re: What is your favorite consumer product?

Are you all kidding me? Only a few out there have brand loyalty going on?? Off the top of my head and in no particular order: 1) Brooks Brothers dress shirts 2) Chapstick SPF 15 moisturizing lip balm 3) Crest Pro Health Toothpaste 4) CeraVe Moisturing Lotion 5a) Ford 5b) Mercedes 5c) Ducati 6) Pils...
by campy2010
Sat Feb 14, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal $100 IRA bonus
Replies: 8
Views: 1155

Re: Navy Federal $100 IRA bonus

Thanks! That was easy.
by campy2010
Fri Jan 30, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Tax: Filing Jointly or Separately When Spouse makes 3x More
Replies: 15
Views: 1225

Re: Tax: Filing Jointly or Single When one makes 3x More

I would run the two different scenarios in your favorite tax software and make a decision based upon the results.
by campy2010
Tue Dec 09, 2014 8:52 pm
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 9923

Re: how to join nylon webbing?

This thread is totally useless without pictures of the kitty. :-)
by campy2010
Sun Dec 07, 2014 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 8789

Re: Navient / Sallie Mae misallocating my loan payments...ag

I'm not surprised SM doesn't allocate your principal payment correctly if you send them a payment and email instructions. Over the years when I was a SM customer, they greatly improved their web payment system for making principal payments. I would highly recommend that you use it. It will save you ...
by campy2010
Sat Dec 06, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Navient / Sallie Mae misallocating my loan payments...again.
Replies: 13
Views: 8789

Re: Navient / Sallie Mae misallocating my loan payments...ag

In your case it sounds like SM is not doing anything wrong. I think you may not quite understand the mechanics of making extra principal payments. You shouldn't expect the normal on-cycle minimum payment to be directed toward the highest interest loan. You have to make the minimum payment on each lo...
by campy2010
Tue Nov 18, 2014 5:57 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 7488

Re: Apple Stores - do they try to be awful?

My recent experience was not good. Went in with a friend that wanted to purchase latest iphone6 plus. The website showed a phone being available but after we enter the CC info and click on place order, it showed an error message saying that the store did not have inventory. So, we stopped by the st...
by campy2010
Wed Nov 12, 2014 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 18
Views: 2937

Re: question about my student loans...

I thought of that but then the student loan amount should indicate the added value. For example if I started with 116k then my loan balance should have been let's say 130k with the added interest. But I will look into this. Your accrued interest is capitalized into your principal on the day you ent...
by campy2010
Wed Nov 12, 2014 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: question about my student loans...
Replies: 18
Views: 2937

Re: question about my student loans...

I will get in touch with them. Wish I had done this sooner. I naturally should have looked into this sooner but I would think any extra payments should go towards the principal not an interest payment. I think the payments were probably applied correctly. What FRx is missing is that unsubsidized st...
by campy2010
Thu Oct 30, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 4524

Re: $116k Med School Debt - Pay Off or PSLF?

Refinance with sofi.com or one of its competitors and pay them off.
by campy2010
Thu Sep 25, 2014 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 4137

Re: Unexpected Emergency

I would put an unexpected large medical expenses on a 0% interest credit card. I've seen some promotions at 0% interest for as long as 18 months. Pay it off over time and preserve the EF and 401k.
by campy2010
Sun Sep 07, 2014 1:11 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 18167

Re: A 'really good book' you did NOT enjoy

The Life of Pi.

I can't stand not finishing books. Tried reading this one multiple times. No dice.
by campy2010
Mon Sep 01, 2014 1:09 pm
Forum: Personal Consumer Issues
Topic: Cold Brew Coffee and whole coffee beans
Replies: 7
Views: 2592

Re: Cold Brew Coffee and whole coffee beans

For cold-brewing any old glass jar will suffice. I would spend your money on a low-end but decent quality burr grinder instead. That said, I tried cold brewing for awhile but it is something you need to plan in advance, which can be problematic (at least for me). I also found that cold brew becomes ...
by campy2010
Thu Aug 21, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Case Story/Plan: "Bank on yourself" to pay student loan.
Replies: 12
Views: 2847

Re: Case Story/Plan: "Bank on yourself" to pay student loan.

Overall, your plan would be good advice for a young, early-career Boglehead but doesn't really take into account the issues of someone living below the poverty line for the foreseeable future. I'm all for personal responsibility when it comes to repaying debt except when it comes at the expense of b...
by campy2010
Sun Aug 17, 2014 6:56 pm
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 6097

Re: Girls gymnastics: what to expect

When bodies are still developing, stressing them too much can lead to injuries. Why is swimming ruled out? That's a pretty safe sport and builds strength and flexibility. There's no reason why she has to travel to compete as opposed to just enjoying swimming and building her skills. +1. Strength, f...
by campy2010
Fri Aug 15, 2014 7:50 pm
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 3950

Re: Who sells fresh coffee that is not as strong as Starbuck

My recommendation for Sbux is to order an Americano, which is a couple of shots of espresso and water. About the same price as a cup of coffee but tastes much better.
by campy2010
Mon Aug 11, 2014 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 4262

Re: $65k bonus for student loans...considering not taking it

***** I really appreciate the comments regarding the programs future existence, but I am assuming for the sake of this thread that it will exist in 10 years. I'm only interested in the tax and financial planning issues here. Honestly, the crux of your issue is whether the program will be around in ...
by campy2010
Sun Jul 13, 2014 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Student loans for international students
Replies: 2
Views: 554

Re: Student loans for international students

1. The rates vary considerably by lender and credit score. Some are better than the federal loan rates, which are 6.8%-8%, and some are worse. Most are variable-rate. Expect a 0.5% to 1% origination fee. Definitely shop around. 2. As a co-signer, it would be like taking out these loans yourself and ...