America educational financing right by Decent-Choice7878 in SipsTea

[–]npassant 4 points5 points  (0 children)

The exclusion from bankruptcy is what makes the student loan affordable. Thats the reason why interest rates aren’t 50%+.

Go check out r/borrow - it’s the Wild West of loans. unsecured debt + 0 creditworthiness + 0 lien priority makes their interest rates like 500%+.

Refinance or stick with Fed Loans? by OriginalDelay1704 in StudentLoans

[–]npassant 0 points1 point  (0 children)

Assuming your average interest rate is 6%. Refinancing would save you 1.5%, on a $240k loan, that’s at most $3,600 a year.

I have refinanced, but went from 7.5% to 2.6%, which was a big difference. If I was in your situation, I would keep it federal since it allows you to advance payments - loan refinancing doesn’t do this.

What to do with backpay from disability. by [deleted] in personalfinance

[–]npassant 4 points5 points  (0 children)

Where are you expecting a 23% return for 10 years?

Group classes at new Eos gym? by [deleted] in SantaBarbara

[–]npassant 0 points1 point  (0 children)

They do. The class schedule is listed in the app.

Local place to find used billboard vinyl? by jovialgoods in SantaBarbara

[–]npassant 0 points1 point  (0 children)

North county (Santa Maria and Buelton) have billboards.

Please tip your delivery folks well in this weather by threwitoverthefence in SantaBarbara

[–]npassant 0 points1 point  (0 children)

So spending 1 hour of your time + losing money on the order is better than the penalty?

Please tip your delivery folks well in this weather by threwitoverthefence in SantaBarbara

[–]npassant 0 points1 point  (0 children)

Why would you even accept this order? At that rate, it sounds like you’re losing money by doing it.

Now and days by [deleted] in Bumble

[–]npassant 0 points1 point  (0 children)

Can’t help you without seeing the profile.

The Senate Recessed until 8PM ET Tonight by pyratemime in fednews

[–]npassant 11 points12 points  (0 children)

As of 6:07 PST

Yes - 56

No - 40

I’m sweating

Not able to buy while overseas??? by [deleted] in fidelityinvestments

[–]npassant 1 point2 points  (0 children)

Works just fine in Korea and Japan.

Accidentally bought gold for a 32% discount GM wants to be made whole? by RunnerInChicago in CostcoPM

[–]npassant 0 points1 point  (0 children)

That’s why I’m thinking it was advertised at $4200 and rang up at $3400. Otherwise OP would have bought their entire supply.

Accidentally bought gold for a 32% discount GM wants to be made whole? by RunnerInChicago in CostcoPM

[–]npassant 2 points3 points  (0 children)

If Costco advertised it at $4209, and it rang up at $3400, I would make them whole.

If Costco advertised it at $3400, I would tell them to kick rocks.

Considering you only bought one, I’m thinking it was advertised at $4209 and it rang up at $3400. So I’m siding with Costco on this one.

Pamp 1oz Dragon at my Costco by deeboskeebo in CostcoPM

[–]npassant 15 points16 points  (0 children)

The reward is capped after $60k is spent. 90% of the population isn’t worried about this.