In the evening--my plane is scheduled to land at 7:25, but then I'd need to get my bags and such.
Every nightmare I have that doesn't revolve around academic failure or public nudity is about that thing. In fact, once I dreamt that it attacked me while I was late for a test and naked.
Willow ,'The Killer In Me'
Spike's Bitches 32: I think I'm sobering up.
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Lee - Oct 20, 2006 2:44:51 pm PDT #8144 of 10000
The feeling you get when your brain finally lets your heart get in its pants.
Polter-Cow - Oct 20, 2006 2:45:41 pm PDT #8145 of 10000
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
Oh. In that case, I can't. Sorry!
Lee - Oct 20, 2006 2:46:33 pm PDT #8146 of 10000
The feeling you get when your brain finally lets your heart get in its pants.
oh well
Nicole - Oct 20, 2006 3:11:18 pm PDT #8147 of 10000
I'm getting the pig!
I take a short (looooong) nap and Lee goes and kills the thread.
Yeesh.
Lee - Oct 20, 2006 3:13:56 pm PDT #8148 of 10000
The feeling you get when your brain finally lets your heart get in its pants.
Nicole is why we can't have nice things.
§ ita § - Oct 20, 2006 3:35:17 pm PDT #8149 of 10000
Well not canonically, no, but this is transformative fiction.
I have an ING near me. I had never thought of them as inaccessible for that reason, but it occurs to me I couldn't tell you where another branch (with cafe and free Wi Fi, FTR) is.
Nicole - Oct 20, 2006 3:59:33 pm PDT #8150 of 10000
I'm getting the pig!
Good thing we're picking up Brenda tonight. I need more forces of good to fight the evil forces of Lee.
She's simply too much evil for me to fight all by myself.
Lee - Oct 20, 2006 4:00:20 pm PDT #8151 of 10000
The feeling you get when your brain finally lets your heart get in its pants.
sooper DOOPER wench head
Pix - Oct 20, 2006 4:17:00 pm PDT #8152 of 10000
We're all getting played with, babe. -Weird Barbie
I am soooo jealous of the Denver girls...!
megan walker - Oct 20, 2006 5:45:40 pm PDT #8153 of 10000
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
I normally don't post here, but I wanted to chime in on the student loan questions for P-C.
When you make your payment during the monthly cycle won't really affect the interest you pay over the period of the loan. If you think you are able to pay more regularly, I would highly recommend calling your lender and asking to reduce the overall life of the loan. For example, when I consolidated my loans, they automatically extended my repayment period from 10 to 30 years (which makes your payments much lower, but overall you pay way more interest). I reduced it back to 10 years. Sallie Mae was happy to adjust the time to whatever I wanted and calculate what the monthly payment would be before they switched it officially. If you are on a 10-year plan, consider switching to 5 (see below for tax implications).
7% is a bit high for interest but here are some reasons not to pay off student loans:
1) For the first 5 years you are in repayment, the interest you pay yearly (up to $2500) is tax deductible (that's right off the top, before adjusted gross income--whether you itemize or not has no effect on this deduction).
2) When you are just starting out, having some cash reserves, especially if you keep the bulk of that reserve in something accessible but with a good interest rate (like an ING account!), can be very valuable for all sorts of reasons.
3) Debt payments you make regularly can help significantly to establish your credit rating, and is better than having no debt at all. Your credit rating can be used for all sorts of things, not loan related. I was a bit surprised when I got car insurance and was told that it didn't matter if I had a few tickets because I had such a great credit rating (and I have tons of debt).
4) Also, student loan debt is forgiven upon death. Obviously, not a primary reason to keep the loan, but something to think about if you will be buying a car, house, etc. that might make you incur other non-forgiveable debt.
Also, keep as little as possible in your checking account if it does not earn interest. I've found transfering money back and forth to ING to be fairly smooth if you are worried about sudden expenses that might come up.
IRA issues really vary from person to person, but if your company matches at all, try to contribute as much as you can to their 401K up to the amount of their matching funds, especially if you have a solid savings cushion. At your age, any retirement saving should be primarily in stock (not bond) funds.
Hope this helps!
ETA: to add 401K clarification and because affect is not effect