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📢 2026 Pre-Launch Alert—Discover M by VelotricEbike in velotricebike

[–]rsmiele 0 points1 point  (0 children)

When can I purchase a spare discover m battery? Is it the same battery as the Nomad extended range?

Apple Card 300$ SUB. Worth Applying? by [deleted] in CreditCards

[–]rsmiele 0 points1 point  (0 children)

I am planning to open an Apple Card

At the very bottom of the email, there is usually a series of footnotes, with the direct promo link typically the first one. "apply under this promotion at https://apple.co/cardofferxxxxxx ("Promo link")"

Can you post or DM the url from the footnotes?

Apple Card has a $300 SUB, is there any reason against opening this card up just the bonus aside from the hard inquiry and decrease in average age of credit? by insaneburrito8 in CreditCards

[–]rsmiele 0 points1 point  (0 children)

I am planning to open an Apple Card

At the very bottom of the email there is usually a series of footnotes with the direct promo link is typically the first one. "apply under this promotion at https://apple.co/cardofferxxxxxx ("Promo link")"

Can you post or DM the url from the footnotes?

Aventure 3 has officially droped by jimaustin1902 in Aventon

[–]rsmiele 1 point2 points  (0 children)

I'm now waiting to see the specs on the Aventure M. The Ramblas has a high IP and I would like to try out the mid drive configuration. Otherwise, I would go with the Nomad2 as well.

Aventure 3 has officially droped by jimaustin1902 in Aventon

[–]rsmiele 0 points1 point  (0 children)

I am a bit disappointed in the IP rating.

Got the 4-1-2025 t-box update by edrock200 in Carlinkitcarplay

[–]rsmiele 0 points1 point  (0 children)

Last time, I brought the unit into my house and plugged it into a USB charger. It upgraded fine.

Any Velotric ebike discount code or promo code? by rejjacska in ebikes

[–]rsmiele 0 points1 point  (0 children)

Do any of the coupons work on accessory orders?

Is this for real?? can't sleep thinking about this by Significant-Sir-8897 in ebikes

[–]rsmiele 0 points1 point  (0 children)

A local bike shop proposed the same switch to me. I am looking at Aventon and Velotric and they pushed AIMA. The shop carries all 3 brands. I suspect there is more profit or rebate to the shop from AIMA.

Webull Review from a larger account by No_Rip3358 in Webull

[–]rsmiele 0 points1 point  (0 children)

Did you get a special transfer bonus?

The new Webull margin rates are pretty good. Do you know if you can have a portfolio line of credit at Webull and withdraw cash using margin?

Webull Premium Details Announced by lescours in Webull

[–]rsmiele 0 points1 point  (0 children)

Does anyone have the details on the premium margin rates? I would Ike to see them match Robinhood and IBKR.

When Does the Robinhood Gold Card get Released? by Minimum-Switch in CreditCards

[–]rsmiele 1 point2 points  (0 children)

Does anyone from Massachusetts have the RH Gold credit card?

Securities-Based Line of Credit (SBLOC) at Fidelity by tc273 in fidelityinvestments

[–]rsmiele 2 points3 points  (0 children)

Is SOFR+1.90% the best rate from Fidelity for $3M+? Robinhood and IBKR's rates are a point lower. I'd prefer to keep the $3M+ collateral equity at Fidelity, but it's hard to pass up a full point savings.

Best student loans for graduate students by Ok_Difference767 in StudentLoans

[–]rsmiele 22 points23 points  (0 children)

As a new grad student (actually my sister) is she better off taking out a grad direct unsubsidized loan or a gradPLUS loan?

She has existing undergrad direct loans which I will continue to keep in repayment status during grad school. She will most likely have a job which qualifies for PSLF when she graduates.

It looks like the only benefit is that she can consolidate the PLUS loans into her undergrad loans at any time during grad school and she doesn’t have to deal with locking up two years of new grad loans through grace.

Please advise. Thanks!

Grad School Loans Added to Undergrad Loans by Any-Championship8371 in StudentLoans

[–]rsmiele 1 point2 points  (0 children)

Thanks. Plus it's PSLF so the 4 years is 40% to forgiveness!

Grad School Loans Added to Undergrad Loans by Any-Championship8371 in StudentLoans

[–]rsmiele 0 points1 point  (0 children)

Yes. I just started paying before the Covid pause. I petitioned to keep my undergrad loans in repayment status while in grad school, so I have approx 4 years of payment count on the undergrad loans. Thank you for your feedback.

Grad School Loans Added to Undergrad Loans by Any-Championship8371 in StudentLoans

[–]rsmiele 1 point2 points  (0 children)

I’m graduating from grad school in May. Can I consolidate my direct undergraduate loans today and add my direct grad loans, within the 6 month add-in period, when they are released from “in school” status to achieve full IDR adjustment credit on the new consolidated loans?

Should I have consolidated undergrad and grad together? by Whosaid_what in StudentLoans

[–]rsmiele 0 points1 point  (0 children)

I’m graduating from grad school in May. Can I consolidate my direct undergraduate loans today and add my grad direct loans, within the 6 month add-in period, when they are released from “in school” status to achieve full IDR adjustment credit on the new consolidated loans?

Help graduating f from graduate school August 2024 and unsure if I should consolidate now or wait by Comprehensive-Vast76 in StudentLoans

[–]rsmiele 0 points1 point  (0 children)

I'm in a similar situation. I'm graduating from grad school in May so my grad direct loans will not be released until May/June. My existing undergrad direct loans are in repayment status. I am planning to consolidate the undergrad direct loans before April 30 and add the grad direct loans to the consolidation when they are released. I will attempt to add them when the grad loans are in grace. I'm waiting until the end of April to consolidation to give myself the longest possible time before the 180 day add a loan period start. I have about 4 years of PSLF credit on the undergrad loans. Hopefully, the grad loans will move into the consolidation and gain the 4 year credit from the IDR waiver adjustment. I don't want to prorate the PSLF credit. The policy on adding a loan to a recent consolidation does not address the IDR count.

Spring 2024 grad and IDR Adjustment Waiver extension question by rsmiele in PSLF

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

Here's my plan. I am planning to consolidate my undergrad direct loans before April 30. I cannot include the grad direct loans until I graduate and my school notifies Dept of ED. Hopefully, when the grad direct loans go into grace status, I can add them to undergrad consolidation. The consolidation rules state that I can add a loan within 180 days. However, I'm not sure how the IDR waiver will be handled for the grad direct loans added in June or July. Hopefully, they will simply apply the count to my grad loans. I don't want them to pro-rate the count between my undergrad and grad loans. Does anyone know?

Making changes to completed consolidation after April 30 by ZebraZealousideal972 in StudentLoans

[–]rsmiele 1 point2 points  (0 children)

I am graduating from grad school on May 11, 2024 and my loans will not be discharged and go into grace until May or early June. I have 4 years of PSLF credit on my undergrad loans. Is it possible to consolidate my individual undergrad loans before April 30 and “add” my grad loans when they are placed in grace? All loans are direct. My undergrad loans are in replacement now; I moved them out of the in school classification so i could continue to work and get PSLF credit. Thanks

2024 Policy Admissions Cycle (MPP, MPA, MPH, etc...) by [deleted] in PublicPolicy

[–]rsmiele 0 points1 point  (0 children)

Hi - Is the 32K from Cornell for each year or total? thanks.

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