Somewhat off-topic, but I've been reading Harry Potter to my 2nd grade son for the past few months. I can't tell you how happy it's made me that he's so into it, but we're already halfway through the 6th book and I'm dreading the end because I don't know what to read next. Lord of the Rings and Hunger Games are a little too dark. Magic Tree House is a little too young. I read the first book of Percy Jackson & The Olympians and it wasn't great. Does anyone have any suggestions for our next series? I hate to lose the quality time I'm getting with him and Harry.
@aetataureate I know! They should have used a picture of Kramer for this post instead of ER.
@Meaghano Bummer. This might be asking too much, but I hope you write about the specifics of your situation in the next installment. I understand if you don't though, since it's not exactly anonymous. And I agree with comments at the top - you don't need to apologize or feel like an asshole for writing about receiving stock options. Especially on the Billfold.
@forget it i quit That's probably my biggest gripe about shopping - folks ditching stuff, especially frozen stuff, where is doesn't belong. I can almost give a pass to the frazzled mom or dad with one kid screaming, another kid constantly putting junk food in the cart and another kid wandering off down the aisle (I've been there, but with only two kids). But it seems like most folks are just too lazy or inconsiderate to go back to where they got the stuff from.
@readyornot That's a big list of charities! It brings up a question that I frequently ask myself though - is it better to give smaller amounts to a bunch of charities, or bigger amounts to fewer? And what do charities consider 'smaller amounts' or 'bigger amounts'? e.g. I give $20 a month to some charities, but there are others I'd like to give to. Should I double the number of charities, but only give $10 a month? I think it's been discussed by Billfolders in the past, but I don't remember if there was consensus.
Why the heck didn't the CFPB name the 7 servicers?? As far as I can find out, 4 of them are: Sallie Mae, Great Lakes Educational Loan Services, Nelnet Servicing and the Pennsylvania Higher Education Assistance Agency. I'm wondering if MOHELA is part of the 7. That would be great.
I have never been allowed to make principal payments, despite multiple and varied attempts. I have 2 loans, both federal (Direct Consolidated Unsubsidized and Direct Consolidated Subsidized). They're currently serviced by MOHELA. The last rep I spoke with said that the loans are owned by the Department of Education and they have regulations that indicate ALL payments MUST be applied first to late fees (which I've never had), then to interest, then to principal. So since interest accrues daily, there's always interest to be paid before principal. This has bothered me for the ~10 years I've been paying. I've been meaning to file a complaint with the CFPB, but haven't gotten around to it yet. If anyone has any advice, I'd love to hear it!
@SarcasticFringehead Yup. I'm not knocking the affordable care act, because I think overall it's a very good thing. But it seems to provide a huge disincentive for hiring full time workers (and also a convenient excuse for hiring part timers).
I think it's kind of a crapshoot. My wife is the product of tiger parents, and now she's a doctor. But her 3 younger siblings, separated by 5, 7 and 9 years are progressively "lower-achieving." Is that because her parents were less tiger-ish as they had more kids? Did they become more 'Americanized'? Was it a case of first born, high-achiever syndrome? Or is it because parents don't have as much of an impact on their kids' personalities as they hope? (as I'm finding out with our 2 young kids). Her upbringing has impacted our parenting philosophies though. She mainly wants our kids to be happy and well-adjusted. I, the product of a divorced, non-tiger mom, want our kids to be number 1 at everything. (luckily for them, her philosophy is the dominant one in their upbringing).
So if college teachers are getting paid a pittance, why is tuition rising so fast? Where's all the money going? Fancy dorm construction?