CO Detector, not CO2. It's detecting carbon MONoxide not carbon DIoxide. Pedantic yes, but an important difference nonetheless.

I like your style. Nickel and diming them is nice, though I'd imagine they make more off a second of interest from their loans than a year's worth of doing that, but if it makes you feel good and ends up costing them even a little, I say go for it.

I've decided we're going to get my wife's loan's consolidated. Citizen's Bank offers some pretty good rates around 4% for 15 year loans. Even though she's on the 25 year repayment plan, her loans average out to 6.5%, so with the reduction in interest, we shave off 10 years and only end up paying about $100/month more.…

When I read this:

My suggestion is, if you're giving them instructions consistent with their contract, and they are not holding up their end of the bargain is, write them a letter detailing the events then tell them you're contacting the US Dept. of Ed., the US Attorney General, and your state Attorney General.

Interesting, because on one payment where they received an extra payment, the assumed it was a future payment. Another payment where we specifically indicated "pay to principal" (after our required payment), they put it towards a future payment. All in all, they're definitely a company to be watched. Not to mention…

We have them auto-deduct from our account as well. However, whenever we make an additional payment (i.e., above and beyond our required monthly payment), they tend to "screw it up" in their favor (shocking). Their customer service is good, I will say that. When I've called up to correct it, they usually put the order…

You can pay to principal. It's pretty standard with any loan. You have to pay your monthly payment (interest and principal), then any additional payment can be paid directly to principal. However, you can't assume they will do that. They will treat it is as the payment of your next required payment, unless you…

I would be extremely careful about just overpaying and assuming a) it will go to principal; and b) it will go to the highest interest rate. These are companies who's goal is profit, they are not there to help you save money. For Navient (formally part of Sallie Mae), any additional payment must be marked as "pay to…

So, under your rules, stating one's profession in a conversation regarding social interactions in a profession, is elitist. So, if involved in a conversation regarding professions, what, pray tell, should a doctor or a lawyer state as their given profession? I mean, of course we wouldn't want to come off as elitist,…

No, if you comprehended what I wrote (which you didn't), I didn't state my profession and my wife's profession to say LOOK AT ME, I'M A SPECIAL SNOW FLAKE AND I'M SO MUCH BETTER THAN YOU!!!!!!

First off, I don't buy anecdotal evidence. Sorry. But, I do know plenty of professionals that use social media, but employers tend to frown upon it, and it's by far more trouble than its worth.

As a lawyer, it can also prevent you from getting admitted and getting your license. In my book, it's just not worth the risk. What exactly am I giving up, pictures of babies and posting events that literally everyone encounters? I'm good. I'll share that with the people who are in my actual life.

Did you completely miss my point? Because something is popular it invalidates my point that in law and medicine its use is frowned upon? I'm sorry, but that's just word salad. It doesn't actually have meaning.

I'm not, even a little. I hate parties. I'd much rather a small group of intelligent people discussing issues over some really good food. I've liked that type of thing since I was old enough to have actual conversations.

Nope. I've found it's a pretty good gauge. If people are concerned about crap on Facebook and Twitter, I can safely ignore them. It really hasn't let me down since the advent of Facebook. I find my life filled with far less drama, I don't care what other people are doing. If you feel the need to share your slightest…

It may be anecdotal, but when it's said to every 1L class in the country, it probably moves from being anecdotal to axiomatic.

I find exactly zero utility in FB and Twitter. Now, I happen to like G+ because of the way it's set up. I can follow certain people without having them accept me as a friend, but it's not limited to 140 characters. Also, I find people on G+ are less concerned with the number of followers they acquire, and they're…

The literal first day of law school the Dean stood in front of the class and said, "if you have a Facebook profile, I highly suggest you delete it. If not, at least make sure you post absolutely nothing on there that's even remotely controversial." The problem with FB and attorneys (at least in NY) is you have to…

I have some basic info about me, I make sure that I have a custom picture for my banner (it's just a picture I took while in Boston of the skyline, looks professional, but not like everyone else's) and that's it. I really don't post much on there, other than a share of something I think is important. But it does have…