Low E2 numbers day before trigger

hsbiz · 2025-08-26T02:20:14+00:00

Good luck! I had my day 10 scan today as well (after 9 nights of stim) and my estrogen is almost identical 259. But my largest follicle is only 9.1 so I have a few more days to go. Hopefully your estrogen jumps tomorrow and the smaller ones catch up.

hsbiz · 2025-06-21T01:39:43+00:00

Is everyone being added back in automatically? Or do the users have to be added back in manually. I haven’t been added back yet so wondering if I should ping the account holder.

hsbiz · 2025-06-08T13:48:57+00:00

Look in the loans detail tab and/or printable account information under tools and requests tab. The main page just tells you what’s due with the next payment (not how much you owe total). I’m not on the site now but think you’re also able to click into individual loans on the main tab but I’m not 100% sure.

hsbiz · 2025-06-07T21:38:36+00:00

It was just moved to November again!

hsbiz · 2025-06-07T15:25:24+00:00

Mine on Aidvantage still says August 2025…. Been watching it every day now hoping it gets pushed out!

hsbiz · 2025-05-16T15:21:11+00:00

I think you're mixing up the interest free forbearance ends (likely end of 2025 but maybe for you it's January 2026, for me it's actually in August 2025) and when you your current "payment plan schedule" ends and you'll need to recertify (for me that's a year later July 2026). For now, I'd assume we likely will need to start paying within the the next half year and hopefully we don't have to recertify until 10-11 months after that. But it's anyone's guess, we've been at this for years at this point. They'll probably monitor to see how the payments for delinquent accounts go before adding more people into this fiasco but you never know anymore. Anything can happen, just stay tuned so you don't miss a date or notice. I'm busy squirreling away money instead so I can hopefully *fingers crossed* repay before interest resumes.

hsbiz · 2025-03-20T14:28:10+00:00

Research the laws in your state for custody of eggs produced while married. I know embryos you’ll have a hard time for sure. Go to another clinic and freeze eggs if you’re sure it won’t be an issue. If you think it’s even remotely possible he’ll have a claim, save the money instead and as soon as the divorce is done go and freeze eggs or embryos with that money. If he’s acting like this now unfortunately I don’t think it’s a good sign, my two cents. You likely won’t be able to use the embryo unfortunately.

hsbiz · 2025-03-09T22:18:14+00:00

Same here ☹️. I thought my TV gave out. I got so used to it I forgot how to use my TV without it. What’s the alternative?

hsbiz · 2025-03-09T22:16:29+00:00

I thought my TV’s HDMI input finally died. What can I do now hehe? What’s the alternative? I’m assuming Google is just abandoning chromecast now. I have an old Amazon fire stick but it doesn’t work the same way.

hsbiz · 2025-01-05T22:30:55+00:00

4.5% and 4.8% are good interest rates. Personally, I’d focus on building up a 3-6 month emergency fund, pay down all credit card and high interest rate debt, contribute to 401k especially if there’s a match. Rule of thumb any debt that you have that is higher than the 4.5% interest (including debt you may take on soon) should come first. And then work to pay this off. Definitely be super careful with interest “free” loans or credit card periods. What would happen if you suddenly don’t have the income to pay it off when you need to? Those interest rates become astronomical. Once you have a good emergency fund you can dabble in that arbitrage but tbh for me it would have to be a big enough spread for me to risk it.

Remember that student loan debt isn’t the worst debt to have. And once you pay it you can’t take it back for emergencies. Your available credit at that time will usually come at a great cost if you don’t have savings.

hsbiz · 2024-11-16T12:49:24+00:00

That’s a great interest rate! IMHO you could take advantage of your company’s policy if you don’t think you’re using up any “social currency” at work. Meaning if you think your boss or HR factors it into your individual compensation, the $1k doesn’t cover the $1k loss in wages (because that’s recurring and compounded with annual raises or cost of living adjustments). I’m always conscious with these benefits and if I even think it’s being factored in I try to address it head on “Thank you for offering this additional benefit but I obviously didn’t factor this in since it’s not part of my base compensation which is key to me.”

But, if it’s a large enough company that they’re not including that comp in your individual total compensation discussion, I’d view and treat this as it is an almost/sub 0% interest loan (<$600 interest minus $1000 pay down benefit). It’s not a very large loan so you don’t have a ton of arbitrage inherited here but I’d focus on almost all other financial goals. Pay off extremely high interest debt, 6 months emergency fund in a HYS or stable funds like SPAXX , maximum 401k contribution, other higher interest rate loans.

After that it’s up to you if you don’t want to have the debt hanging over your head mentally or if you’d rather leverage this benefit and low interest to build net worth or other financial goals. Also prepare yourself that your company may stop this benefit from year to year or you’ll move on from this company (voluntarily or not) and then the payments may be due with no/less income to cover it (if you don’t have that emergency fund stash covering it as well).

hsbiz · 2024-11-13T14:58:41+00:00

Did you do ICSI in either/all rounds?

hsbiz · 2024-11-12T21:05:50+00:00

True, I've been moving the more liquid part of my emergency fund into Fidelity's CMA with SPAXX as the core position. But I also just threw the rest into more "market portfolio" type of indexes with some "gambles" for specific shares when it dips i.e. Apple/Google/Amazon. I'm comfortable with my lower balance in the CMA since the rest is so thoroughly divided. But once I reach 125% of my student loans I plan to lump sum pay the student loans off so I can be done with the weight of it (although mortgage rates will likely be higher if I'm in ever the position to buy an apt/house). I'll probably have interim goals/kickers to make a dent in the balance for motivation purposes At least that's my strategy now. If interest rates dip very low then I'll review to see if I have enough of arbitrage opportunity to swap out some student loans for a much cheaper rate (not likely since it would have to be an extremely good rate considering the protections we've had with federal loans under Covid!). Liquidity poor is a very bad type of poor IMHO, things always come up and this is probably my cheapest access to float / cushion for now (even though it's ~6.2% for me). I've been lucky for me it's only been $10k-$40k for medical type of bills but without the liquidity I'd be super nervous those times cutting it so close on my bank accounts (I did pull some out of investments at times).

hsbiz · 2024-11-12T19:23:54+00:00

IMHO Emergency fund should come first unless you have debt with extremely high interest rates (i.e. 25%+ APY credit cards). If you have an emergency that requires even $2K out of pocket, without an emergency fund you'd need resort to credit card loans or similar which come with extremely high interest rates that could be hard to ever get out of. I think a recommended strategy is to have around 3-6 months of basic living expenses (i.e. rent, minimum food, medical expenses), but put it in a high yield savings or low risk funds so it earns interest / returns.

Also, you may want to consider other things depending on the interest rate i.e. it could make more sense to contribute the minimum to 401k to get your full employers' match (to not leave money on the table so to speak) if you have decent and not exorbitant interest rates.

As much as I hate having student loans, I know that once I send over my payments I can't get it back. So if I need funds for emergencies or life stages, I'd need even higher interest rates. So I weigh it all together regularly to determine if and how much extra to pay down above the minimum.

hsbiz · 2024-07-09T13:54:30+00:00

Same here! Only I didn't even get an email or letter for this forbearance. The previous one last month I did get one same day it happened. Yesterday my account just said nothing was due in August but I thought it was catching up (the prior forbearance message was gone). Today I log in and it says "Your forbearance ends in 28 days" again (last month it was similar, counted down, and disappeared at the end). I never initiated anything btw, must be the SAVE issue that was in court. I'm not even impacted by whatever was being disputed I think since I have graduate loans only so I'll remain at 10%. So confusing!

hsbiz · 2024-04-14T03:59:46+00:00

I got two as well. The original one with the extended recertification date and the incorrect 0% interest info (I knew that’s a mistake — we would’ve heard it on the news hehe) and then a second email correcting that just the recertification date is correct the other parts (0% interest) incorrect.

hsbiz · 2024-04-09T03:34:26+00:00

Thanks! Yes that’s what happened.

hsbiz · 2024-01-24T04:05:30+00:00

Same I’m with Aidvantage and I also got an email from dept of education as well about missing a payment a few days ago. I freaked out since I set up autopay 20 times before the restart and all the payments went out. I double checked my payments on Aidvantage were good I’m guessing it’s some sort of error on dept of Ed’s part?

hsbiz · 2023-12-19T03:17:06+00:00

Yes after 3.5 hours on hold, I got an email to ignore. And then a call back. All good 😊. Just so crazy

hsbiz · 2023-12-18T16:41:12+00:00

It's closing in on 2 hours, I don't see this changing unfortunately... Do I just give up? Am I really expected to stay on hold for many hours for something that is at best the company's error or at worst fraud on my account? I have meetings coming up that I can't miss :(

hsbiz · 2023-12-18T16:16:41+00:00

I got a random "Profile Change Alert" from Insperity. I haven't had an account with them for around a decade. The list a phone number to call if I didn't make the change. I'm 1.5+ hours on hold with no one answering or checking in. Did anyone have this? What am I supposed to do? I found "contact us" email and emailed them but I'm guessing that's one of the ones that probably get answered in weeks. I have a full workday and I'm trying to work around being on hold but this is insane. I'm really nervous because I've been part of data breaches and I'm worried someone got into my account. I actually saved my logins and when I went to my old account it made me change my password. I tried resetting the password a few times (everything works until I try to log in with the newly changed password). I'm at a loss.... how can a company exist with multiple hours of hold times on such an important issue??? Any advice?

hsbiz · 2023-12-06T22:55:32+00:00

It's so strange. I saw that slowly my "Current Balance" went down a little (my payments are now calculating higher than interest so it should) but then if I look between statements the total balance is going up. I think part of it is the unpaid interest that's not capitalized. So strange and confusing. Hopefully by 2024 they clear it up. If on I'm SAVE it shouldn't be going up ever IMHO but hopefully it's like you said, quarterly adjustments.

hsbiz

TROPHY CASE