Thank you! Following with interest.
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I’m PM’ing it to you because I feel weird about linking my shop to my online persona here and also I feel icky about promoting it even when asked - that’s weird, right?
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The only thing I think I heard was about diversification. But there are so many different funds that this seems really irrelevant.
I am team Vanguard. My first exposure was my work 401k, but then one of my MBA profs was a fan, and I heard more about Fogel. And my rollover after retiring was very easy (employer moved 401k to BOA, I moved it back). I have only had good experiences with Vanguard.
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I’m very much Team Vanguard myself, another reason I’d like to stay with one place if I can. Everything’s already there that can be, and the work stuff that can’t is now going into Vanguard funds.
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If you’re eligible for subsidized federal student loans, are you also typically eligible for unsubsidized federal loans?
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Another team vanguard. We have consolidated as many accounts as we could there.
Though I did just move my DAF to Fidelity because vanguard raised the fee on small accounts.
So the main issue I know of with both Roth and traditional IRA accounts is if you have to do backdoor contributions to get money into the Roth. This is going from memory so I’m not 100% sure I’ve got the terminology right, but basically if you contribute to your traditional IRA intending to convert those contributions/some portion of those contributions to a Roth, but you already have money in the traditional IRA from something like rolling over a 401k, the taxes on the conversion will be based on the percentages of untaxed vs taxed money not just the contribution you want to roll over. If you have more money from the untaxed rollover, you’ll have a tax bill even if the specific contribution didn’t have any gains at all. If you’re contributing directly to a Roth that shouldn’t be an issue, or I believe if you don’t have any untaxed rollover in the traditional it works out the same but it’d be worth checking the latter with someone more official than me.
As far as providers, I’ve always had Fidelity and had excellent experiences with them, but it’s as much for ease of use as anything else since that’s where all of my work accounts are through.
ETA: And I do have both Roth and traditional IRA accounts with them with no trouble at all, although there’s never any money in the traditional except for a day or two after I fund it and before I convert it to Roth.
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Unless they changed the rules, yes. For my wife and I, it was always subsidized loans available up to a certain amount, then an offer for another block amount of unsub loans.
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Ah, that was it, something to do with conversions. Thanks, that gives me a direction for my research.
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This is how I recall mine working as well. Subsidized up to like $8k per year or something? Then unsub after that.
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Excellent, thank you both! I’m sending an email today to the financial aid office to see what I can do. I’ve been approved for subsidized but haven’t seen anything about unsubsidized. I may not need private loans after all!
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On the unsubsidized, if you can pay the interest after graduation but before it… ahhh what’s the term. Not matures, but that’s the idea, and becomes principal, then its… better.
I’m explaining this terribly but hopefully it’s enough of a starting point.
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Capitalizes?
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Yes! Thank you. Brain is not fully operational today. I kept thinking “capitulates” bit knew it wasn’t right
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We got there though! I only learned about what that means recently when going through the “student loan training” that I have to go through for school lol.
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Capitulate is what the borrower does when it capitalizes. 
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Does anyone have a particular portable dishwasher, floor standing or countertop that they like?
When I lived in Florida I had a Danby portable dishwasher that lived through seven years of me and then like five years of my renters and I believe is now at my best friends house still working.
i’ve only ordered food out (ok aside from pastries) maybe like six times through this whole pandemic and I’m cooking so much at home and saving so much money every month and learning how to cook better… but LORD the dishes
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I had a shitty secondhand one that was a million times better than no dishwasher for years. Technically it’s still in our old house trailer, but it’s a long way from you or I’d offer it. But it had a butcher block top and wheels so it doubled as a mobile kitchen island, and that was really convenient - I could even use it in that old singlewide. It hooked to the kitchen faucet.
Don’t remember the brand, but wanted to be sure you knew the “kitchen island” option exists and to tell you that even a crappy used one is much better than none.
Edit: pretty sure it’s a Whirlpool, a much earlier model of this one (for which I paid $75, not $719):
https://www.abt.com/product/110770/Whirlpool-Heavy-Duty-Black-Portable-Dishwasher-WDP370PAHB.html
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YES! I would definitely get the kitchen island style. That’s not what I had before, but at the time my roommate was a carpenter and made us a top for it.
I’m confident I could do the same at this point in my life
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Well, I know where one is you can have for free, but the logistics are sort of daunting. Also very used.
You might do better to do what I did and haunt Craigslist.