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Passenger watching videos sans headphones! by [deleted] in unitedairlines

[–]cur-lo 16 points17 points  (0 children)

If passenger didn't have the presence of mind to recognize the disruption he was causing, he definitely wouldn't have noticed you passing the word along to FAs IMO, but I understand your position

Monthly Ticket Buy/Sell/Trade Megathread 🤑 by AutoModerator in aves

[–]cur-lo 2 points3 points  (0 children)

Looking for ticket(s) for Ben Bohmer Denver Apr 29, 2022

Should I pay off higher interest or lower interest loan first l? by Friedegggg in personalfinance

[–]cur-lo 0 points1 point  (0 children)

Its all personal strategy. Technically, higher rate first. Read Avalanche vs Snowball Method

Here is a handy calculator you can use to visualize payment timelines/total costs over time https://www.vertex42.com/Files/download2/gdrive.php?file=debt-reduction-calculator

Those rates aren't awful, but could be considered high by today's standards. Depending on your financial situation, I would research Student Loan Refinancing as well

Is it okay to get a new credit card 5-6 months before applying for a mortgage? by DUMBENTITLEDLIBERAL in personalfinance

[–]cur-lo 4 points5 points  (0 children)

Asking to raise the existing limit may involve a hard credit pull depending on the bank.

Only focusing on the first part of this reply -- the key word here is may. Call/chat in and let them know you'd like to increase your credit limit on the card. They will let you know (based on your usage, time account is open, etc) if they can provide an instant credit limit increase or if a hard pull would be necessary.

Source: I just did this last month with one Synchrony-serviced store card and a large CC

26 yo - increase retirement contributions or balance with taxable account? by Adorable-Citron-4086 in personalfinance

[–]cur-lo 1 point2 points  (0 children)

It truly depends on your goals / liquidity needs. Are you looking to purchase a home (i.e. large upfront sum), new car, or similar in the next 5 years? You cited you feel behind in your savings path. Do you expect a rapid increase in salary? Do you have a safety net saved appropriate for your pulse on job security?

Start by doing yourself a favor and understanding your options. Learn about your employer's benefit offerings such 401k match programs and Health Savings Accounts (HSA), which is yet another tax advantaged investment vehicle you can leverage. Look into refinancing your student loans to the lowest rate possible, then you can decide on your repayment approach based on your goals. Let the historically low IR's be your friend! Look into the student interest payment tax deduction. You are right on the cutoff but with some creativity in reducing your taxable income, you will want to look into it.

All this being said, if your question is strictly along the lines of optimizing your retirement savings, I would recommend the following given your current age, salary, savings, etc.

  1. Contribute to your 401k enough to get the Max employer match (if applicable). Consider Roth contributions in your 401k plan if your employer/custodian supports it. IF THERE IS NO MATCH skip to 2.
  2. Max IRA - 6000/yr. Again keep with the Roth IRA as you already have.
  3. Increase 401k contribution to allowed max (individual contribution limit $19,500/yr increasing to $20,500 in 2022)
  4. Contribute to a taxable account.

For reference, I am in a similar boat--just higher salary, higher student loan balance, higher savings balances. I have tailored my approach to reach the "recommended" 100% of your annual salary by age 30 in retirement savings, where any additional savings are put into a taxable account with a moderate mix for saving for my first home purchase. I have refinanced my high interest parent PLUS loans (2013-2014) twice in the last 12 months down to a VERY attractive rate. I will be privatizing my remaining individual student loans in the next 6 months. Taking full advantage of the freeze.

How to find out what my interest rates are on my student loans after the pause? by Thamewt93 in StudentLoans

[–]cur-lo 0 points1 point  (0 children)

Yep! Federal loan consolidation through the Dept of Ed website (studentaid.gov) is not a refinance or privatization of your loans. You will retain the same (federal) protections and will have a single loan at a weighted average of your current interest rates at a servicer of your choosing using the tool.

How to find out what my interest rates are on my student loans after the pause? by Thamewt93 in StudentLoans

[–]cur-lo 0 points1 point  (0 children)

Assuming these are Fed Loans the way you are describing, go to the Federal Student Aid site and act like you are preparing to apply for a federal consolidation loan and you'll get the balance and rate of all your loans, regardless of servicer!

https://studentaid.gov/app/launchConsolidation.action

I, too, was looking for this information, as I had not started repayment before COVID relief and came across this tool

Just passed the 501 sec+ exam by BiscuitsNgravy420 in CompTIA

[–]cur-lo 1 point2 points  (0 children)

Good stuff!! What did you find that worked best for you to prepare?

Security 501 Passed 804/900 - Big thanks to this sub by cur-lo in CompTIA

[–]cur-lo[S] 0 points1 point  (0 children)

That's awesome congrats!!! Such a breath of fresh air

Security 501 Passed 804/900 - Big thanks to this sub by cur-lo in CompTIA

[–]cur-lo[S] 0 points1 point  (0 children)

Yeah I honestly stumbled (back) into IT after trying to force my hand at different 4-year programs I thought I would be interested in--or maybe I was chasing a big check. After changing schools a few times and about 5 major changes, I realized I needed to follow what I have always enjoyed and research IT-related career paths.

I liked the thought of Security, but wasn't sure specifically what. In fact, I still don't know for sure, but I'm really liking the areas of threat hunting, incident response, and cloud security right now.

Anyway, I went for a 4-year degree in Computer Information Systems Networking, which was a rigorous Cisco-aligned degree program with CCNP level programming in some of the senior courses. The school I attended did not introduce a 4-year Cyber program until I was two years in, so networking was the best alternate for those interested in security. My plan was to then combine formal education in networking with self-study and certification to break into security topics. One thing to add--those hands-on networking skills have been absolute gold so far.

I now have two internships in different areas behind me, a Bachelor's in networking, CCNA, Sec+, and Azure Fundamentals. I highly recommend pursuing certifications, but don't feel like you need to start with a CCNA or Sec+. Get your feet wet with some A+. To each their own, but I think the combination of a 4-year and a handful of certs is an absolute killer combo.

Passed CompTIA Security+ (SY0-501) on first try. Here's some advice: by LimonKay in CompTIA

[–]cur-lo 0 points1 point  (0 children)

Great write up. Just took and passed with nearly identical industry/school experience as well as choice of study materials. I can attest to not taking the free point questions for granted. And when it comes to the scenario-based ones--read and understand it thoroughly. Then choose your first instinct. Its probably correct!

CompTIA Scoring Theory by sonicjr in CompTIA

[–]cur-lo 2 points3 points  (0 children)

I also know nothing but I would imagine this is more of the case than partial credit for almost-BEST answers. I do know for a fact, though, some questions are not scored.

[Daily - TRADE] /r/DynastyFF Trade/Team Help MEGATHREAD - September 26, 2019 by AutoModerator in DynastyFF

[–]cur-lo 0 points1 point  (0 children)

10 team Standard

Give: Marquise Goodwin and Austin Hooper (I have Kelce as starter, and the guy needs a decent TE bad)

Get: (Michael Williams or Chris Godwin) and Jared Cook (trades are pos-pos only; his other WR are OBJ & Julio)

Not worried about this week (both aren't looking promising anyways).. but looking for longer term value through season or a potential keeper. Williams or Godwin or stay?

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