street pilot

I'll be there.  Red 600RR and a Red umbrella.

I’ll look into SoFi. All the federal ones are no issue as far as refinancing goes. Hers are PSLF and mine are almost gone. I just need to see if both our private loans can get better fixed rates and/or if they can be combined or not. Not sure if there is an advantage to combining if both can get same rate.

One reason to combine might be a better interest rate if one person has poor credit. A reason not to combine might be if you file taxes separately and itemize.

Personally I like fixed interest rates - if you have extra money you can always contribute more to the principal. With a variable rate you will probably get a lower rate initially, but with rates at historic lows and recent upward movement, I think they will only increase in the future.

I consolidated my private loans with SoFi but there are other options too, like DRB.

(If you go with SoFi use a referral link, free money is free money).

Run away from Sallie Mae / Navient or anything else with a variable interest rate.

You did not say why her payments are rising or if either of you are still in school.

I'd recommend getting them refinanced to a fixed interest rate, then plug each loan into a calculator to see which is costing you the most. Pay at least the minimum on all but put any extra money on the loan that is costing you the most in interest. Generally federal loans give you more flexible repayment options if you meet certain income requirements, etc.

Hogan Tire and Service in Marysville.

https://www.hogantiremarysville.com/

Alpinestars SP-2 gloves.  Excellent condition, hardly used.

The rubberized logo is peeling from the leather - could use some glue to be 100%.

$60

https://photos.app.goo.gl/HKj7r2iIyzKkOfk03

https://photos.app.goo.gl/hOf89441QrV3AmYV2

Damn scary - glad you came out of it ok. 

I've used K&N filters for years without issue but this is evidence enough for me to switch.  

It was mentioned elsewhere but just to get the word out, they are basically banned at Mid-Ohio now.  Several folks had to start their days today changing oil/filter trackside even though those filters are not explicitly black-listed anywhere I can find.

On a Ducati?  I'm sure they're at least Gucci brand. 

Boots are sold.

That first shot is great!

Anyone going to Mid-Ohio on 8/23?  I'm hoping to go but haven't reserved a spot yet.

1 hour ago, 2talltim said:

Maybe a better description and or link or a pic that works would help?

 

 

EDIT....Never mind, it finally loaded..took forever. 

Hmm.. Does the link in the first post not take you to pictures?

No one needs boots?  What are you riding in, sandals? 

I like my dubs (for riding).

https://www.getdubs.com/

They have a more natural attenuation curve than the flatter curve of foam that just muffles everything.

American Funds is pretty good as well.

 

Set up a IRA with them and rolled my wife's 401k she had prior over into that and been averaging lil over 13% over past couple years and they have/had some pretty solid choices to pick from.

 

Just set up my kids ESA's via American Funds this year as well and was pretty easy process.

Are you in class A funds? What are the loads and expense ratios? When I dealt with American Funds (through EdJones) they were class A funds with a 5% front-end load. :doh::doh::doh:

Vanguard funds have no load and tiny expense ratios (.12 average).

If you're happy that's all that matters, but you might be giving a lot of money away.

https://investor.vanguard.com/mutual-funds/low-cost

I highly recommend moving it to Vanguard.

There are several LOW COST funds there that you can park it in - lifestyle funds (with a determined stock/bond allocation) or retirement funds (with a stock/bond allocation that changes with time).

For real estate, they have REITs.

Poke around on their calculators to see what is right for you: https://investor.vanguard.com/home/

Before you decide on anyone else, learn the expense ratios and load fees (%) of the funds you're considering and compare them to Vanguard.

If you want to trade individual stocks I'm not sure. Scottrade has been fine to me in the past but I think there are cheaper options around now.

*Also worth mentioning, this rollover to an IRA could limit your backdoor Roth options in the future, so you might want to roll it to your current employer if that's a concern.

$60

well worn but still have plenty of life left.  In Columbus, I'd rather not ship them.

https://goo.gl/photos/FxguJPuoHX8Tsn4JA

I've used Apco and Lowe's for basic vinyl windows.

I'd use Apco again.

I may have to do this. I'm fine with the 2.99 for 60 we picked up with BoA in February, and it looks like that is BMIs going used car rate too. Sounds like they'd have to beat it by a miniscule amount or owe me $50? Plus another $300 total for switching and the referral? Sounds very enticing. I guess I just wonder any implications with credit scores ect by closing and adding an account. Credit is excellent and want it to stay that way lol

After further research, you can't combine the offers so scratch the referral.

They'd either give you $50 for moving, or $250 if they can't beat your APR or payment.

https://www.bmifcu.org/news/2017-01_dare_to_compare.html

If I remember correctly, you have to create an account with them to even apply for the loan, but you can talk with a loan officer to get an idea of what interest rate you should qualify for before opening an account.

If you plan on applying for a mortgage or other large loan soon it might not be in your best interest to switch now, and it's probably not worth switching if your existing loan has early payoff penalties.

Call and talk to a loan officer for the details if you're interested, I'm no banker but I've been happy with their rates and service, hence the plug.

BMI Credit Union is good to me.

They'll give you $250 if you move your loan to them, $50 if they can't beat your current rate.

Use my referral and we both get $50.

https://www.bmifcu.org/auto_loans.html

I used to think teachers were underpaid.

http://www.bizjournals.com/columbus/news/2016/11/08/best-paying-school-districts-in-central-ohio.html?ana=e_ae_set1&s=article_du&ed=2016-11-08&u=gbPRmKmPvkeW1%2BZAD%2BKPYQ013b3b45&t=1478639353&j=76397891#g1