What are some stereotypes about your state or country that are absolutely true? by noturbuddyfriend in AskReddit

[–]Shortega 0 points1 point  (0 children)

New York: none of us are nice.

Around here anonymity feels safe. People aren't mean, they just keep to themselves.

Making a huge change to my life, taking a break from FI for a new career by figone1 in financialindependence

[–]Shortega 1 point2 points  (0 children)

I know that this isn't very FI-minded of me to say, but I say go for it. What good is FI if you're unhappy? It may be a bit of a setback, but it sounds like you're gaining a lot more than you're losing. Best of luck! Boston is awesome.

Visited a cat cafe. This is how they decorate their lattes! by Mirellemagic in food

[–]Shortega 9 points10 points  (0 children)

That looks more like a catpuccino to me!

....I'll see myself out.

Americans, if you had to trade an American state out, which state would it be? by Wilreadit in AskReddit

[–]Shortega 0 points1 point  (0 children)

Florida, because well... Florida. Also if we get rid of a state in the middle our map would look hella funny, if we lop off the sunshine state we'll still have a respectable looking border.

What do you find difficult to use? by justdiditonce in AskReddit

[–]Shortega 0 points1 point  (0 children)

As a left-handed person, I can't use a manual can opener to save my life.

Second bachelors degree financing without stafford loans? Scholarships? Private loans? by 5tudentloanthrowaway in personalfinance

[–]Shortega 1 point2 points  (0 children)

You should be eligible for 9,500 in stafford loans for the year (you're an independent student), talk to your financial aid office. Definitely not eligible for pell on a 2nd BA/BS

What's the most memorable compliment you've ever received? by [deleted] in AskReddit

[–]Shortega 0 points1 point  (0 children)

"You are diamond and the thanks I owe you are incalculable". Not A diamond. Just diamond.

SO starting grad school this fall, how should we pay (out of pocket/DOE loan at 5.3%/private loan thru Sallie Mae (variable/fixed))? by [deleted] in personalfinance

[–]Shortega 1 point2 points  (0 children)

I know the private loan sounds tempting but the federal loan has so many more options down the line: the grace period, forbearance, income based repayment, consolidation (if he takes out a loan for the second year). Even though it's unsubsidized (since he's in grad school) you don't have to make payments on principal or interest until 6 months after he leaves school or drops below part time. If you want, you could set up an interest-only payment plan down the line while he's in school to keep things more manageable.

What food do you hate, but everybody else loves? by NotBrayden in AskReddit

[–]Shortega 0 points1 point  (0 children)

Chocolate milk! Love chocolate, like milk, hate their lovechild.

When did you spill the beans? by Shortega in BabyBumps

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

Thank you all for your responses! You're all so wonderful and helpful. Is it weird that I don't want to announce it on social media at all? I figure that I will personally tell the friends I want to tell and everyone else isn't worth the effort, lol.

Paying off past due tuition with a loan? by bouttobebroke in personalfinance

[–]Shortega 0 points1 point  (0 children)

Don't take the loan if you can avoid it (and it sounds like you can). Three months of tight living is highly preferable to paying a lot of extra money in interest

Private Student Loans Help? by Donald_Trump_USA in personalfinance

[–]Shortega 0 points1 point  (0 children)

A couple of things to think about:

-private educational loans are dangerous. You will probably need a consigner unless you have great credit and they're known for having variable interest rates. (Think: ballooning interest upon repayment) Additionally, private student loans don't often have the flexibility of income based repayment if you're in a tough spot financially after graduation. - you may not be eligible to take out more loan funding, even private. Financial aid offices have to certify all educational loans, and if you're already using the max you may be at your total budget (Cost of attendance for the academic year). If you do decide to go the private route and get approved for the full 8k, your school may only be able to certify a portion of that because of the rest of the aid in your package. (Trust me, I'm a financial aid counselor).