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On There Are Many Ways to Pay Your Student Loans
It's unfortunate that you don't feel the good of a paid-off student loan until after you make the last payment. If only it were like a credit card where, as the balance gets lower, the minimum payment does too, and if you pay more, it gets even lower. But no, it's like a mortgage, only when it's paid off you don't own anything except a little peace of mind. My interest rate is so low on my loan that I hesitate to put money towards it, but if I did want to pay it off in 3 years, I'd have to pay almost $1000 per month. And that's not even such a big loan! Let's face it, the problem is the cost of education-- too high! That is the reason you have this loan hanging over your head.
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On Be a Pest, Is My Advice (But Like, a Tiny Pest)
Here's what you do when you're looking for a job: send out resumes with great cover letters; go to interviews and be the most positive version of yourself possible (even if fake) but don't talk more than necessary. Then, put that job opportunity out of your mind and get busy looking for the next one(s). Sometimes you hear back and sometimes you don't but, like a shark, keep moving forward.
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On When It Came to College, I Begrudgingly Did What My Parents Told Me to Do
That joyful free-spirited college experience is growing scare-- not just for you. Only the very rich can manage it anymore. Sad but true.
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On Am I a Threat? Am I So Wrong For Wanting to Live in a Better Place?
No one will touch this with a 10-foot pole apparently.
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On More on the 401(k) Problem
PS- I think it's dumb to expect the same standard of living after you retire as when you were employed and making money. I am already frugal and I fully expect to be a penny-pinching old lady, but why should it be otherwise? I'm not that wedded to luxury so I'm ok with that.
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On More on the 401(k) Problem
I am finally making significant deposits to my 401K, at an advanced age, but hell, I'm glad I didn't "save" a bunch of money before the crash only to lose it. Since I am near the age when I can withdraw if I need to, I consider it my better-than-savings acct. It's growing at about 14%, as opposed the interest Chase pays on savings, 0.049% or something crazy like that! But it was not easy learning it. I already have a job! And I couldn't afford to fund a 401k till I got into my present job and started making decent money finally, and left a husband who had always wasted everything we made....
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On Lots of T-shirts Lots of Money
An argument I had many times with my ex-husband was about stupid things like leaving all the lights on always. His excuse: it is just pennies. My point: Exactly! That is what a high electric bill is made up of, thousands of pennies all added together.
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On Have a Swipe Give a Swipe Need a Swipe Take a Swipe
I love this idea but I'm not sure it wouldn't just result in more onerous rules on riders. I once swiped in a guy who looked pretty derelict and felt good about it all day. No one has ever swiped me in.
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On Beat Nepotism
Hey, the kids of the rich and famous have to audition just like everybody else-- or so they think. (Really they have no idea what ordinary people have to go through.) Years ago I got a summer job as the prop girl at a theatre thing, through total nepotism. Then I heard a wonderful comment from the director of the thing when he was accused by someone of nepotism which was rampant-- he said "Hey, if we don't favor our own children, whose children should we favor?"
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On How's That $148,000 Law Degree Working Out for You
Actually lawyers work very, very hard, especially starting out. If this guy is not finding that to be the case, I don't think he'll be very successful at it. I went to law school and working as a "first year" really kicked my butt. What a nightmare. I went back to being a (highly paid) paralegal. Very happy about my decision. And I only have $33K debt because my family helped me with tuition.