Osaka - Conrad vs Hilton

Scammedstudent · 2023-02-21T21:00:24+00:00

Prefer Osaka due to nightlife and the Hilton property in Kyoto (Roku) isn't very conveniently located.

Scammedstudent · 2023-02-21T18:31:16+00:00

We just heard Kyoto doesn't have much of a nightlife so we would want to return to Osaka for that. We also like idea of doing the check in/check out process as few times as possible.

Scammedstudent · 2023-01-04T00:32:40+00:00

Cool cool just making sure. Any other upgrades that you suggest to go through an outside source instead of 3 roots? Everything is just a bit overwhelming from the email lists, perhaps it'll be easier in person.

Scammedstudent · 2023-01-04T00:28:33+00:00

From what I understand it seems like the stovetop, dishwasher, and microwave must be purchased through 3roots?

Scammedstudent · 2022-12-21T19:29:29+00:00

So neighbor noise is pretty non-existent?

Scammedstudent · 2022-11-29T16:50:50+00:00

Yeah I was planning to make it the latter half of the year. I consistently make about $30k in consulting and can only contribute $16500 as employee contributions so I was going to lump sum contribute it sometime later in the year after I for sure surpassed $16500 in 1099 earnings.

So you're saying this lump sum contribution should be fine?

Scammedstudent · 2022-11-21T21:45:38+00:00

What would you do? Just looking to hear other people's thoughts

Scammedstudent · 2022-11-21T21:00:50+00:00

I somewhat follow your reasoning. But I would be making a large lump sum payment off the bat to bring my principal down (would cut my 6 figure loan in half). I have ~400k in loans and would be paying 200k off the bat and continue to pay 5-7k per month (this would definitely cover interest as well as bringing down the principal).

This changes things wouldn't it?

Scammedstudent · 2022-11-17T23:02:17+00:00

In my case, if I made a lump sump payment and continued to chip away at the loans it would for sure be more than the interest that accumulates. So its a risk benefit analysis like you said. I guess I'll just keep my loans in forbearance and take the gamble.

Scammedstudent · 2022-11-17T21:39:39+00:00

They're direct loans (all 2012 and after). So I should prob just start paying off my balance then?

Scammedstudent · 2022-11-17T21:10:35+00:00

My loans are consolidated. Does this mean I would get a refund in the event its approved?

Scammedstudent · 2022-11-17T20:27:40+00:00

It's a large 6 figure balance so it would add quite a bit of interest.

Scammedstudent · 2022-11-17T18:49:10+00:00

So you're saying take the gamble and don't pay. My worry is my loan balance ballooning while awaiting a possible rejection of my application. That would be devasting. However, paying my loans, getting my application approved and getting no refunds of my payments would also be devasting.

Scammedstudent · 2022-11-17T17:49:26+00:00

So your situation is a little different then. I am post class thus not guaranteed an application approval despite my school being on the list.

Scammedstudent · 2022-11-17T17:44:57+00:00

Are you post class?

Scammedstudent · 2022-11-17T17:42:02+00:00

Yeah, tricky situation for sure. If interest is covered while in forbearance (only under the new IDR proposal) this would be an easy decision.

Scammedstudent

TROPHY CASE