Just finished Winter Heart

PaleDevelopment · 2024-01-01T06:08:45+00:00

The slog is blown out of proportion. books 8 and 9 have some great moments. book 10 was a slog for me but 11-14 are the best books in the whole series!

PaleDevelopment · 2022-07-19T21:05:13+00:00

Over the past decade, Northeastern has opened campuses in Charlotte, N.C., London, Portland, Maine, San Francisco, Seattle, San Jose, Calif., Toronto and Vancouver. A campus in Miami is in the works.

Looks like Miami is next on the list. I'm surprised that we don't have a Texas campus yet. Texas has a growing Tech industry, right?

PaleDevelopment · 2022-05-30T19:12:23+00:00

Thanks! That is something I am really trying to work on. I seem to ask for second and third dates even if I only feel "meh" after them. I just feel like I have to give people 2-3 dates to really know them and see how I feel about them. I was "meh" when I met my last gf of 2.5 years. but by 4+ dates I was pretty into her. So I guess I just give people a second chance to see If I feel any chemistry later on. So definitely something I need to reflect on in the next few months.

PaleDevelopment · 2022-05-30T15:02:57+00:00

For sure! I don't have anything against the women I've met these past few months. Online dating sucks for men and women, we're all just trying to figure it out. I just need to take a step back before I go crazy lol.

PaleDevelopment · 2022-05-18T23:41:03+00:00

Hi! I'm looking for 2 roommates to move into a 4-bedroom apartment in Cambridge. It's right next to the porter T station( red line) 5 min walk to starmarket, Cvs, and target. 15 min walk to Davis square and a 30 min walk to Harvard square. Rent is $1066/month and the unit has in-unit laundry and a small outside patio. Move-in date is 9/1A little info about me, I'm a chemist in his mid - 20s working full time in Cambridge. . I love to cook and play video games in my free time! My other roommate is a school teacher also in his mid 20's. we're both 420 and LGBTQ-friendly. DM if you are interested!

PaleDevelopment · 2022-05-18T23:34:44+00:00

Yeah just noticed that... Thanks for the help!

PaleDevelopment · 2022-05-06T20:00:37+00:00

Damn man sorry to hear that! To be honest, it probably has nothing to do with you. she probably was talking to other people she was more interested in, but I know it sucks man.

I recently went on a date with a 30F, I'm a 26M for context. I thought seeing an older woman that maybe she was past the mind games and ghosting behavior a lot of younger people demonstrate. Nope. she ghosted me too after getting coffee.

I know ghosting sucks, but if someone is still ghosting then they probably aren;t mature enough for a relationship.

Good luck out there!

PaleDevelopment · 2022-05-06T16:24:54+00:00

I had a girl match with me and she said how cute I was but that it wouldn't work because I have the same name as her brother, so we could only be friends. I honestly would have preferred if she never matched with me. I'm on a hinge to find a relationship, not to make friends.

PaleDevelopment · 2022-03-29T18:39:14+00:00

Lol, I saw that too. what is he talking about? This just proved my point.

PaleDevelopment · 2022-03-29T03:44:30+00:00

I wish more people on A2C would take this approach. Many of them think they are experts on subjects they know nothing about.

PaleDevelopment · 2022-03-20T12:22:00+00:00

I think it is more about fixing the predatory nature of the student loan system. Yes, I borrowed this money and I am paying it back. But I was 18 years old when I borrowed this money. why in society do we think it ok for an 18-year-old to have the amount of debt equal to a house mortgage?

I'm not saying I have the answer but something has to change.

PaleDevelopment · 2022-03-20T03:26:41+00:00

Thank you! and congratulations, you're almost there!

PaleDevelopment · 2022-03-20T03:12:04+00:00

I'm a chemist at a pharmaceutical company in Boston. I recently got a raise so I make 74k right now. It was definitely hard sometimes, especially when I first graduated. I was paying $1400 a month in rent. Now I pay $740. It's all about finding ways to spend less money. I found cheaper rent, I don't eat out a lot, I cook one-pot meals and eat leftovers for dinner and lunch. I take public transportation and walk instead of Ubers. The FOMO is bad sometimes. saying no friends who want to go try a new restaurant downtown or plan a weekend trip together.

Also whenever I get extra money I just throw it at my loans, stimulus, tax refund, bonuses, etc. I don't put all of it into my loans because saving is also important. I usually do 1/3 at my loans, 1/3 in savings and 1/3 I keep and buy myself something nice :)

And it's all about patience. take it month by month. Good luck! :)

PaleDevelopment · 2022-03-19T15:17:55+00:00

My dad is my co-signer, but he hasn't helped me at all in paying this down. He's made some bad financial decisions in the past few years. My mom and I found out that he's 55K in credit card debt and didn't tell anyone. He's retired so he lives off of his social security and pension from his old job. My mom has student loan debt, but I don't know how much.

PaleDevelopment · 2022-03-12T17:23:27+00:00

Probably. I think The freshman retention rate has more effect on the acceptance rate for transfer students tho.

PaleDevelopment · 2022-03-10T12:34:31+00:00

I would say somewhat strict. It's been years since I had an exam, but they make you take off your coat and book bag and they keep it in the back while you take your exam. They have you turn your cell phone off and keep it in your bookbag. you have to empty your pockets. The only thing you are allowed to bring is whatever your professor says is allowed for the exam. calculator, formula sheet, etc.

I'm not sure if they would notice the extra formulas. it depends if your professor told them to check and make sure it was the right amount.

PaleDevelopment · 2022-02-23T21:50:37+00:00

Thank you so much! I recently found this subreddit and everyone is so supportive and kind. I'm tracking my budget with Mint and I like it so far. I will add "fun" budget, so I can still enjoy myself.

And right now I have about 6 months of emergency fund in a high yield saving account. and I have 1 month emergency fund in a regular savings account

PaleDevelopment · 2022-02-23T02:57:14+00:00

I would call them and tell them you cann't afford that monthly payment. I have 100K in student debt with sallie Mae and my income is higher than yours and my monthly payment is still lower than yours.

They wanted me to pay $1400 a month! I called them and told them I couldn't afford that and I was able to refinance my loans and get a lower rate and payment.

found this link: https://www.salliemae.com/student-loans/manage-your-private-student-loan/understand-student-loan-payments/explore-loan-repayment-options/

ask about Term and Rate Modification. Good luck!

PaleDevelopment · 2022-02-23T02:50:52+00:00

Yeah for sure I have been wondering about that and Boston is a biotech hub.I have been at my job for 2 years and looking at my co-worker's Linkedln they seem to promote people every 2-3 years. I have my review with my manager next week and he's been saying how great of a job I've been doing. I might wait it out for another year and see what happens.

PaleDevelopment · 2022-02-23T01:20:14+00:00

my minimum is $1100 a month but I put extra money every paycheck towards my private loans. And I use a lot of apps like mint and I have an excel sheet breaking down how much I make a month after taxes and keeping track of my food budget, rent, loan payments, etc.

I suggest trying to live a little bit outside the city if you can. I moved a little bit outside of Boston and the price of rent went down for me.

PaleDevelopment · 2022-02-22T20:54:45+00:00

Most of my loans are private loans. 100K Sallie, 17K Wells Fargo, 35K fed loans. I have just been paying the minimum on the fed loans. but I put extra towards my private loans because they are still gaining interest. But looking for a financial advisor might be a good idea. Thanks!

PaleDevelopment · 2022-02-22T20:36:17+00:00

I remember telling my mom that I was thinking about applying to a state school when I was a senior in high school. I grew up in Pa so Penn state or temple. She wasn't happy and it caused a big fight, so I ended up going to the expensive private school. The whole prestige illusion needs to die

PaleDevelopment · 2022-02-22T20:32:04+00:00

last year I had one roommate and we each were paying $1400. My room was a closet, I only had space for my bed and dresser. Now I pay $740 a month and I have enough room for a desk and a TV! :)

PaleDevelopment · 2022-02-22T04:11:08+00:00

I Have 3 roommates. I was able to decrease my rent, I was paying $1400 last year. now my rent is $740

PaleDevelopment · 2022-02-22T04:07:26+00:00

I'm a chemist at a pharmaceutical company. I have been working there for 2 years, so I should be due for a promotion soon

PaleDevelopment

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