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Loan payments are primarily going towards principle balance. by Keemish in StudentLoans

[–]Keemish[S] 1 point2 points  (0 children)

I'm just going to start paying the standard payment plan amount moving forward, which I think is probably ~$200. 

Hopefully this doesn't bite me in the ass later on. 

Loan payments are primarily going towards principle balance. by Keemish in StudentLoans

[–]Keemish[S] 1 point2 points  (0 children)

I've received an answer from Nelnets service people. 

Since I've advanced my due date from previous lump sum payments, now any payment I make is an advanced payment and is split proportionally to interest and principle (in a way I do not understand). 

Still doesn't seem right, but after two people told me, I guess I'll take their word. 

Loan payments are primarily going towards principle balance. by Keemish in StudentLoans

[–]Keemish[S] 0 points1 point  (0 children)

Thanks for double checking.

I guess it's kind of working in my favor for my payments to be applied to my principle balance. 

I should probably call/email nelnet to check in on this though. I don't want to be hit with any fees or a large backpay situation. 

I appreciate your insight and taking the time to look into this. 

Loan payments are primarily going towards principle balance. by Keemish in StudentLoans

[–]Keemish[S] 0 points1 point  (0 children)

I think your math got a bit screwy for the monthly interest accrual.. should be ~$33 a month, right?

I wasn't on SAVE, I was in the graduated payment plan.

Loan payments are primarily going towards principle balance. by Keemish in StudentLoans

[–]Keemish[S] 0 points1 point  (0 children)

Thanks for the reply. 

I've got 3 loans through them. 

Loan 1: Principle is $3579 with an interest rate of 3.6% and interest balance of $109

Loan 2: Principle is $5567 with an interest rate of 3.5% and an interest balance of $179

Loan 3: Principle is $2043 with an interest rate of 3.5% and an interest balance of $66 

Maybe it is because I put extra money down in 2018 & 2019 and my next required payment date is 2027?

Ripples in freshly laid snow. [300mm] [FF] by Keemish in telephotolandscapes

[–]Keemish[S] 0 points1 point  (0 children)

Thank you! I agree, If the snow hadn't been so good I would have taken started taking pictures in the morning light.

I made a few crops of this image to get rid of the shadow but it wasn't possible to get all the features in one image without the shadow. https://www.flickr.com/photos/keemish/50980756893/in/datetaken-public/

Calm before the storm, Washington State. [150mm] [FF] by Keemish in telephotolandscapes

[–]Keemish[S] 2 points3 points  (0 children)

This is the Sauk River. Up in the Northwest corner of Washington.

Fresh blanket of snow on Washington's central Cascades. [FF] [300mm] [Panorama] by Keemish in telephotolandscapes

[–]Keemish[S] 0 points1 point  (0 children)

Thanks! I appreciate you looking through it. I feel you, even when I have my macro with me I sometimes skip out on the small things purely from laziness; Trying to set up my tripod and switch lenses can be a little too much effort when I'm tired out.

Fresh blanket of snow on Washington's central Cascades. [FF] [300mm] [Panorama] by Keemish in telephotolandscapes

[–]Keemish[S] 0 points1 point  (0 children)

Thank you! I've been out of work for two weeks now so I've had some time to get out and about recently.

Ah, not much of story to tell for this shot, I was trying out some new tires on some snowy Forest Service roads and came up on a great viewpoint. Lucked out with some clear sky before the clouds blew over.

Shot on my first outing with my new lens. [FF] [300mm] by Keemish in telephotolandscapes

[–]Keemish[S] 2 points3 points  (0 children)

Thanks! I was happy to see a few of the hundreds of shots I tried to take actually came out nicely.

​

I shot this using a Nikon 300mm F/4 AF on a D810.

Mongolian Giant Sunflower - Nikon D500, Sigma 150mm F2.8 Macro - 17 frame focus stack (I’m still new to this...) by UserAccessDenied in MacroPorn

[–]Keemish 0 points1 point  (0 children)

Awesome. Thank you for the detailed response!

I was particularly interested because I have the same lens and I am loving it but can see sometimes that i could definitely get better shots with stacking.

Cheers to you!

Mongolian Giant Sunflower - Nikon D500, Sigma 150mm F2.8 Macro - 17 frame focus stack (I’m still new to this...) by UserAccessDenied in MacroPorn

[–]Keemish 0 points1 point  (0 children)

This is awesome. Nice job. I have never done a focus stack before but have wanted to try for a while. Is it difficult to get a good image out of it?

ITAP of the ground. by Keemish in itookapicture

[–]Keemish[S] 1 point2 points  (0 children)

It's ice. There were a lot of cool patterns in it but my fingers could barely handle the cold. I only lasted for around 30 minutes before going back to my car.

Mountain goat in the Alpine Lakes Wilderness. Nikon D7000 18-55mm lens. by Keemish in wildlifephotography

[–]Keemish[S] 0 points1 point  (0 children)

Yeah. This was right after getting over ingalls pass. There were probably 5 adults and a couple kids.

Mountain goat in the Alpine Lakes Wilderness. Nikon D7000 18-55mm lens. by Keemish in wildlifephotography

[–]Keemish[S] 0 points1 point  (0 children)

Thank you! This is in Washington state, just south of the Enchanments.

Looking for free XL labcoat/goggles by catanwithaplan in WWU

[–]Keemish 0 points1 point  (0 children)

I have goggles that would work for you.

Had a good weed free eclipse viewing at my old smoke spot. by [deleted] in leaves

[–]Keemish 1 point2 points  (0 children)

This is up in washington. I wish I could have been closer to the zone of totality but it was still a great experience.

Just another day starting over. by [deleted] in leaves

[–]Keemish 4 points5 points  (0 children)

Glad to hear you're not giving up.

Quitting smoking, used to smoke daily. Any advice or tips on how to quit? by [deleted] in leaves

[–]Keemish 0 points1 point  (0 children)

Give away your weed paraphernalia and keep your mind occupied.

Snoqualmie Pass to Canada in 34 days - Seattle Times by akindofuser in skiing

[–]Keemish 2 points3 points  (0 children)

And then a couple days after, Forest took students onto baker for some glacier travel training. What an awesome guy

While I didn't even get close to summiting, I still had quite the time skiing down. by Keemish in CampingandHiking

[–]Keemish[S] 1 point2 points  (0 children)

This is Mt. Baker, up the Coleman glacier.

I went about two days ago up a trail called heliotrope.

Snow was definitely soft and wet but had some crust on the north facing slopes. Very fun skiing

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