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Highest Echelon

A personal finance blog. Paying for my University, life and eventually achieving financial freedom.

Bill Clinton and George Bush Sr. speak at The University of New Hampshire

Monday, May 21, 2007



Part 1



Part 2



I also really liked Steve Job's speech.

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posted by johnwilkx, 8:38 AM | link | 0 comments |

The cost of school books is killing me!

Friday, May 04, 2007

If you've read some of my recent posts you'll know that I am now the proud owner of an Associates Degree in Business Administration (pending 2-4 weeks mail delivery). What you don't know is that I've doubled up on classes so I can finish my Bachelors even faster.

I am currently taking the equivalent of 8 classes, that's the absolute maximum number of classes allowed by my University. In order to even qualify for this I had to pay off all outstanding debt (ouch!), needed a GPA of 3.0 or better (no problem since my last term's GPA was 3.89), and then I needed to meet with the Dean. After reviewing my records and interviewing me, her exact words were, "I see no reason why you shouldn't take that many classes."

Now I have a bunch of 0% introductory APR credit cards that I'm currently living off of. I make the monthly payments and just let the remaining balance roll over until about a month before the 0% introductory period ends. In other words, I have plenty of imaginary money. (I keep a little slider bar on the top right of my page that shows how much credit limit I have and what my goal is.)

The only problem is: The cost of school books is killing me!

It feels like the second a new book comes out, the whole University switches to the newest edition. And those damn things update like every 2 - 3 years and cost around $100 each, used!

I already use a combination of using the school bookstore, buying online from half.com, amazon.com, and eBay. I even send out emails to all the teachers kindly requesting that I be allowed to borrow one of their books (they usually get sent 5 books by the publishers to do with as they please).

If I sound mad now, wait half an hour. I'm off to buy some school books!!! grrrr!!!

What are some ways you cut down on school books?

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posted by johnwilkx, 7:18 AM | link | 5 comments |

Prosper.com. Here's what I'm bidding on this week.


C credit grade $8,000.00 @ 24.95%.
C credit grade $20,000.00 @ 27.50%.
C credit grade $25,000.00 @ 24.50%.
C credit grade $7,500.00 @ 27.50% This listing will close as soon as the requested amount is funded.

Looking at my past trend it does really seem like I enjoy that C credit grade.

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posted by johnwilkx, 7:05 AM | link | 0 comments |

People-to-people lending. It's an old idea that's new again.

Thursday, May 03, 2007

Learn more about how people-to-people lending works at Prosper.com.


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posted by johnwilkx, 7:34 PM | link | 0 comments |

Prosper.com: Here's how to check how much money your fellow bloggers have invested.


Prosper.com has funded over $58,000,000 in loans and has over a quarter million users!

Have you ever wondered how much money your fellow PF bloggers have invested on Prosper.com? Have you ever wondered how your diversification stacks up to others? Or maybe you are worried about how safe Prosper is and want to see if others are loosing money due to delinquent loans.

Eric's Credit Community is a great place for answers. You can check lender, borrower stats, and group stats. You can even look up your own rank to see how you stack up to other investors.

If you know someone's username (let's say your favorite PF blogger) you can even compare how much they have invested, where it's invested, and if any loans are delinquent.

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posted by johnwilkx, 6:11 PM | link | 0 comments |