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The update from the other day was based on the premise that my roommate was leaving to take a job in another state and that I needed to find a new place to live. That update also noted that I’ve been holding back the excessive additional student loan payments so I can use those funds to purchase a home in the next few weeks.

Could this all be over soon?

It turns out that the organization that was going to hire my roommate has decided to cancel all hirings for the time being. The next possible time that they’ll be bringing in new hires is this October… maybe. This is another topic entirely, but I’ve been telling my roommate for a few years that he needs to diversify his career prospects. He’s in the process of doing so right now, but let’s not digress from the purpose of this entry.

With the change in my roommate’s career switch I’ve been presented with a unique opportunity. Clearly, I’m going to push back my plans to purchase a home for a few more months. It just makes sense to rent the townhouse that I’m in through at least October, if not through next spring (I would stay through next spring in the event that my roommate doesn’t make/isn’t offered the career change in October). The unique opportunity that I now find myself in is that through saving to increase the size of my down payment, I’ve been able to put away more than the $17 thousand that I need to eliminate the remaining balance of my student loans. Most folks would make the quick decision that since I’ll be staying in my rental for a few more months, if not longer, then I should some of these funds that I’ve saved up to retire the student loan debt once and for all.

After all the aggravation that I’ve been through with my student loans, that’s an extremely appealing option!

However, as a guy who tries to be reasonable and thoughtful on issues of money and personal finance I can’t help but think that I should just save this money and use it to increase the amount of my down payment when I do eventually purchase a home. Retire the remaining balance of my student loan debt or keep hording money for an eventual down payment? It’s an interesting dilemma to consider.

Trust me, I’ve been giving this issue some deep consideration.

I think the benefits of saving the money for a future down payment are obvious. The total amount of the mortgage is reduced and since I didn’t plan on putting 20% down for the new home, by increasing my eventual down payment I’ll be able to put down 20% and avoid having to pay private mortgage insurance. Further, the more you put down, the better rate you can demand (even in a world of low rates). As a guy with near-perfect credit, increasing the amount of my down payment would be an ideal use of these funds.

And yet… I can’t shake the idea from my head that if I decide to use these funds to retire my loans, then I’m literally about two weeks away from having absolutely no student loan debt, period. Gone. Done. Eliminated. Game over.

The benefit of repaying my student loan debt? In financial terms I’d be retiring debt that is currently accruing interest at 4.25% and (when I purchase a home) replacing it with a mortgage at a lower interest rate. That’s good for my financial health over the long-term. The bigger benefit to retiring my student loans, though, isn’t something that you can easily quantify. The bigger benefit is the combination of financial freedom and the incredible feeling of accomplishment that comes with repaying such an immense amount of debt. The benefits of saving this money aside, I just can’t shake the idea of how awesome it would feel to know that I repaid $121 thousand in student loan principal and another $30 something thousand in interest in under 7 years.

For those of you who are analyzing whether or not I would suffer from using $17 thousand to retire my student loans, here’s some information for you. If I wait until November or December to buy a home, I can pretty much replace that entire $17 thousand with new income from the summer months. In essence, I’d net out even and wind up in a state of stasis, but with one less bill each month. My minimum student loan repayment is $333.50 per month – so that amount would be put towards my future down payment, too.

What to do… decision, decisions… What do you think? If you were in this situation – what would you do?

I’ve paid SO much more than this in student loans over the last six and a half years!

Sometime towards the end of January/early February, my roommate told me that he finally received a call back for a job that he’s been waiting to hear from for several years. He said that if he passed the different qualification rounds (he did and there was never a question on whether he would) and the agency offered him a position (which was and remains likely), then he would have to move out at some point in the middle of May.

Just like any sane person, I reacted to this news by weighing my future housing options. Through this process, I realized very quickly that my options for selecting a living situation in 2013 are much different than they were 5 or 10 years ago. Today, I don’t really need a roommate to pay for the too-high rent required for the three bedroom, two and a half bath townhouse that I currently live in. However, only having to pay half of the rent and half of the utilities obviously makes my financial life easier and I can’t complain about the roommates that I’ve had over the years – they’ve all been great with paying their share of the costs. And they’ve been good guys, too.

However, I’ve gotten a bit older and what I’ll accept for living space today is different than what I would have accepted 5 or 10 years ago. For example, I could very easily continue life as a renter and move into a less expensive condo or apartment that is much closer to the beaches and the bars that I go to (on those rare occasions when I actually go out to the beach or bar). But not only would continuing to be a single renter be a poor use of my income, living in those areas is not really where I want to be at this point in my life. Granted, “those areas” are only minutes from where I live now, but as a guy with an aggravating commute I’d rather be as close to the main highways as possible. The area that I live in right now is less than a mile from the Garden State Parkway and less than 5 minutes to other major highways in the area. It’s nice to have that type of access to main highways.

I’ve quickly gotten off topic here. The point of this entry is to provide a brief student loan update! I’m in an awkward position right now with my students loans. For the first time in years, I haven’t made any extra, excessive payments to the USED / MOHELA loan because I’ve been saving my money to buy a new home. Of course, as you might imagine there are two aggravating items that I have to report on about this situation.

First, I have $17 thousand still outstanding on my student loans. What is aggravating about the outstanding balance is that I have the entire amount (and then some) sitting in a savings account right now. Why not use the money in the savings account to pay off the balance of the loans, you ask? Simple. I’m saving those funds to buy a house. Just like the detour I had to take last year when my Honda Civic crapped out and I bought a brand new Ford Escape, I’ve been presented with a situation that requires me to change my financial goals.

Second, between principal payments and interest over the last nearly 7 years that I’ve been repaying my students loans, I’ve given private entities like NJHESAA and MOHELA and government agencies like the USED some $104 thousand in principal payments and some $35 thousand in interest payments for a combined nearly $140 thousand no longer in my possession. Just to give you a perspective on how that type of repayment has had a lasting, real impact on my life – the $140 thousand from the repayment could have easily combined with the $17 thousand that I’m sitting on to allow me to buy the condo that I’m considering purchasing – with absolutely no mortgage.

No mortgage.

Of course, that’s not the situation that I’m in and that’s not the way my financial life has progressed. And I’m not mad… Am I aggravated about it all sometimes? Yes. But definitely not mad. In fact, I’m grateful that I’ve been able to position myself such that I can buy a home at 32 years old when there are so many people in my generation that just aren’t able to do so yet. And the path that I’ve taken to get here will allow me to decorate the walls in my soon-to-exist-home-office with various degrees and professional commendations. Not such a bad outcome, really. Does buying a home mean that my plan to retire my student loan debt by this summer is going to change? Yes. Unfortunately, I’m going to have to push that repayment plan out a little bit longer. But pushing the repayment plan out a little bit longer because I’m buying a home isn’t so bad!

So instead of reading about how I retired my student loan debt in the summer of 2013 you’re probably going to have to wait a few extra months – possibly a full year – to read that update. In any event… stay tuned!

Don’t think that you need to be an academic or an ultra emotive person to discover these particular guides in your life. You can find this guiding wisdom all over the place – if you look. You can find deep philosophical guidance in the words that a coach speaks to a player, in the intangible lessons on character that a teacher gives to a student, or even in the advice your doctor gives you about general health.

Guidance that is typically not warped by moral relativism is widely available – if you just look for it.

For me, I’m guided by lessons from my family and my faith and, in many ways, by my educational experiences. Being guided by those lessons allows me to make decisions in my life that I’m very comfortable with and that ultimately lead me to a life of no regrets – without the stupid “you only live once” attitude that the moral relativists encourage.

Yet, sometimes I consider whether I might have made different decisions in life and thus the creation of this blog entry. If you’ve been reading my blog for a while, then these considerations certainly shouldn’t come as a surprise to you since they focus on my student loans, my health, my entrepreneurial exploits, and my education. You might consider the writing below the “lessons learned” from my experiences on these issues. I’m not sure if you’ll find this interesting, but here we go. Below are some of my personal thoughts about what I might have done differently if I had a magic time machine… or something!

Paying Back My Student Loans
My biggest financial accomplishment in the last 3 and a half years was repaying some $104 thousand of my $121 thousand in student loan debt. Today, I have enough money to repay the remaining $17 thousand, but since I’ll very likely be buying a home in the next few months I’ve opted not to give those funds to the government just yet. And that would be the first lesson learned in my ultra aggressive student loan repayment from the last 3 and a half years. Namely, I could have relaxed just a little bit with the repayment of my United States Department of Education Direct Loan to afford me a larger down payment for the home I’ll be purchasing. Along with maybe not being so aggressive in repaying my loans in the last year, if I could jump in a time machine I’d tell the 18, 19, 20, and 21 year old versions of myself to start repaying the loans while I was still in school. I was making decent money while I was in college. It would not have been a problem to make $300 – $500 payments each month while I was in school. That would have lowered the debt boom that I felt after I graduated from graduate school in 2006. Second lesson learned – begin repaying your student loans while you’re still a student, if you can… and you probably can.

Taking Out Student Loan Debt
This one goes hand-in-hand with the lesson learned above and is probably pretty obvious, but if I could jump into that time machine and go back to 1999 – 2003, I’d tell my younger self to not take out as much in student loan debt. Specifically, I would have dramatically reduced the amount of nonacademic student loan debt that I took out while I was both an undergraduate and graduate student. The job that I held the longest while I was a student was working for the landlord of the apartments that I lived in. When he initially offered me the job, he wanted to work a deal where I got paid a little bit less each week, but my rent would be free. I didn’t like the idea of losing money in my hand today but still working for it, so I took out additional student loan debt to make bulk rent payments twice each year. On average, I was paying about $600 per month in rent (it was a little bit less when I first started working there and a little bit more when I left). If you do the math, that’s $600 in rent each month multiplied by 12 months in the year equals $7,200 in rent each year… multiplied by the 3 or 4 years that I worked for the landlord equals… a lot of money that I didn’t have to take out in student loans. The lessons learned here is to take advantage of legitimate cost saving deals if they’re offered to you and try not to take out too much in living costs when you take out student loans.

Slowly Building Usable Web Solutions, LLC Instead of Attacking the Market
Switching of student loans and on to one of my entrepreneurial efforts – when I started Usable Web Solutions, LLC over 7 years ago, I took an aggressive approach to the local web development market in the northern shore area of Monmouth County. That aggressive approach paid off in the short-run with UWS generating nearly 50 clients in its first 2 years of operation. Let’s be honest – to generate nearly 50 clients in a company that I was really running part-time on the side without much effort is pretty damn impressive. One of my mistakes in building up those clients, though, was focusing on undercutting the existing web development and maintenance market. If a competitor was charging $3,000 to design a website, I’d charge $1,500. If they were charging $50 per month for maintenance and hosting, then I’d charge $30. Undercutting the market brought me clients, but it didn’t bring the tremendous amount of revenue that you would think comes along with that number of clients signing up in a short period of time. Also, I gave my nonprofit clients a discount, but I never actually marked that discount down in my official paperwork. That cost me quite a bit of money that I could have saved come tax season each year. The lessons learned here are to very carefully select the methods by which you attack a local market when starting a company and to be selective in the clients that you choose to work with in a start-up. Another lesson I learned was to do a little bit more research into the tax implications of discounts before offering them to your clients!

You Should Be Calling Me “Doctor” Right Now
The student loan and website stuff above and the other items you’ll read below are annoying. But the thing that really bites my ass is that I didn’t stay in school after I graduated from graduate school in 2006. Without question, I should have stayed in school and gotten my doctorate. Just to show you how close I was to getting one, the graduate program that I was in required 45 credits for a masters degree and 72 credits for a doctorate. You probably did the simple math and saw that I might have been 27 credits away from a doctorate – not correct. I graduated from the masters degree program with 54 credits, putting me 18 credits away from a doctorate. EIGHTEEN CREDITS. Want to know what’s worse? Since I graduated with masters degree, I’ve successfully completed a 15 credit graduate certificate program and I’m just about 6 credits into a post-masters certificate program. That’s 21 more credits on my academic resume… with no doctorate at the end because they were at a different academic institution than where I received the masters degree! You might think that the lesson learned here is to go back to my original graduate institution and finish the job and you’d be correct in a way. I’m not entirely sure that a doctorate in the same discipline that my masters degree is in is what I want to accomplish academically. Silly, right? The lesson learned here is that if you’re incredibly close to achieving an incredible goal, then focus your energy on achieving it!

And Then There Was The Weight Loss… And Gain
Ahhh… one of the reasons that I started writing this blog way back when was because I wanted to chronicle – in some form or another – the weight loss journey I was going on back in the early 2000s. After I graduated from college in May 2003, I was a big guy; probably logging in around 385 pounds. I don’t know exactly how my weight got to that point, but it did and I have horrible pictures to prove it. Then during the spring of 2004, my Father had some health trouble including a heart attack and stroke (neither of which impaired him at the time, thankfully) and a good friend of mine got married. In the wedding pictures, my big body takes up huge portions of each picture that I’m in. It was embarrassing. At the time, I knew that my Father’s health was deteriorating and that I wasn’t doing myself any favors socially by being that big of a guy so I resolved that my Father would see a healthier me before he died – and if there was a little bit more fun in my social life because of it, then that wasn’t a bad side effect. And then I ate less, worked out more, and lost a bunch of weight. To be exact, I lost 125 pounds in a year and reached 260 pounds – a weight that I hadn’t achieved since I was a wrestler in high school (and when I weighed that much while wrestling heavyweight in high school, I was pretty damn dominant). But the honeymoon didn’t last and I remember the exact day that the pendulum started swinging back in the other direction.

I was standing in my kitchen trying to figure out what to have for dinner. And some random flashes went through my mind of when I weighed 385 pounds and I would make a whole box of pasta, eat it with almost an entire jar of sauce, and drench it in different cheeses. During that flash, my taste buds went bonkers in my mouth because when I was 385 pounds, I thought that tasted good. And then something horrible reawakened in me and I made a whole box of pasta for dinner that night (with the sauce and the cheese and so on). As you might imagine, it made me sick. And getting sick allowed me to avoid the gym for a few days… which allowed me to continue eating some of the foods that I hadn’t had in over a year (candy, for example). And eating that stuff also got me sick… which, of course, led to missing more gym sessions. And the cycle back to gaining weight had begun. At some point when I crossed back over to 300 pounds, I sort of got that mental block in my head again that I couldn’t be healthy because it took too much time and effort (starting graduate school while working full-time didn’t help). Then I graduated from graduate school, got a new full-time job, my Father’s health deteriorated and I spent more time traveling to see him at the hospital, I spent more time building the website company on the side, I spent more time volunteering, etc, etc. And I gained back over 100 pounds. A few summers ago, my roommates and I had a weight loss contest that I should have won with no questions. I started the contest at 363.6 pounds and ended it weighing 314.6 pounds. Losing nearly 50 pounds didn’t win me the contest and over the course of the following months I gained most of that weight back. The lesson learned here? Well, there’s probably too many to list out and I’m sure each person has their own takeaway from this brief story, but the lesson that I learned is to not give up your successes so easily. Fight, damn it. And when you can’t stop the bleeding (metaphorically speaking), seek help. I didn’t have to regain those 125 pounds nearly a decade ago. There were people who would have helped me turn the tide back around in my favor, but I didn’t reach out and I regained much of that weight.

Writing More Often and More Thoroughly
This one is interesting because every few months/several times each year I hop onto this blog and write something like, “I’ve got a bunch of half-written entries that I’m working on for you, so stay tuned!” Meanwhile, if you are staying tuned, then you’re tuning into nothing. I mean how many entries have I even posted so far in 2013? This one makes 5, right? Pitiful. And yet, I find writing to be a very cathartic experience. It clears my mind of the craziness and hectic nature of my day-to-day working life and entrepreneurial efforts. Plus, I enjoy writing. I enjoy putting my fingers to work on this laptop and having something very tangible that is, I hope, of some higher level quality at the end of those efforts. In other words, writing allows the creative aspect of my personality to come out and take form. Although, when I write these blog entries I am keenly aware of trying to keep them short and sweet (not this one, obviously). Sure, sometimes you’ll read something that goes on and on (like this entry), but I would really enjoy writing more of these longer, extended entries so I can tell fuller, more thorough stories about my life, experiences, and thoughts on different issues. The lesson learned here is to make time for those things that soothe your mind and put your body at ease. For me, writing these entries accomplishes that goal and I should find more time to write fuller entries.

And there you go, folks. Those are some of the lessons that I’ve learned along the way and some of the things that I might have done differently. Thankfully, each of the setbacks or concerns that I’ve noted above were (and still are) easy to address in a head-on manner; or it is easy to overcome the unintended consequences of each of these items. There’s more to write about, of course, but if you read everything above, then you’ve just read the equivalent of an 8 page academic paper and sometimes you need to know when to call it quits and save some more for next time!

That’s the base of information that you need to know for this entry. I’ll add this one, crucial piece of information: given that there is near total devastation in many of New Jersey’s shore communities due to the recent super storm and blizzard, there are a lot of out-of-state people up here helping out at a variety of different companies. For example, I’ve seen utility workers from down south (who are running circles around the New Jersey teams, by the way). I’ve also seen insurance adjusters from out-of-state helping homeowners with their claims.

It’s a group effort to recover here in New Jersey.

With that information out of the way, the title of this entry suggests that there are evangelizers among us – even in Monmouth County! Here’s a story that I sent to some of my friends after spending some time warming up and reading a book at the local Barnes & Noble three nights ago. I think you’ll enjoy this:

I’ve been sitting at Barnes & Noble for about 30 minutes and this insurance adjuster – I can tell he’s not from around here by his accent – was sitting across from me the entire time doing some work. I paid no mind to him – I was just flipping between my cell phone and my NOOK.

Anyway, the guy just gathered his things and got ready to leave. When he was ready to go he came over to me and said, “Sir?” I looked up and said, “Yes.”

He said, “Can I tell you something?” I said, “Yeah.”

He said, “Do you know Jesus Christ?” I said, “Yes.”

He said, “Well, his real name is Jehovah. It’s Yahweh. And he’s coming back soon and I just wanted to tell you that he loves you. Just wanted to tell you that he’s coming back and that he loves you.”

I said, “Thank you.”

And he said, “Alright. Have a good night.” And he walked out of the store.

I’m compelled to write this experience on the blog because this type of stuff just doesn’t happen too often in New Jersey. We’re a state with a lot of skeptical people; we have people who are automatically apprehensive towards those that they don’t know. I’ve visited the South many times and it’s a bit disorienting when you’re walking on the street and random strangers greet you with a genuine, “Good afternoon. How do you do today?” It always stops me in my tracks until I get used to it again. That type of forward communication doesn’t happen in New Jersey unless it’s one person looking at another person the wrong way until someone cracks and says, “What are you looking at?”

It’s our way of life in this state. Don’t judge us.

But I had two immediate reactions to this guy coming up to me and saying what he said. First, I immediately felt warmed up in my spiritual heart. I don’t know about you all out there in internet land, but I go to church each Sunday and on Holy Days and I enjoy going to church. I didn’t always enjoy going to church, but I do now and I hope that I will continue to enjoy going to church. So when this person came up to me to tell me things that I pretty much already know and believe in from the teachings of my church – it just felt good.

Second, as I felt warmed up I began to feel better about the horrible situation that I found myself in with no electricity and a cold home to go back to that night. Hey, Jesus loves me – what else do I need, right?

And the third nearly automatic reaction that I had to this guy was a very small voice in my head saying, “What’s his angle? What’s he up to? Keep an eye on him as he leaves the store and make sure he doesn’t hang around. If he follows you home, drive to the police station instead. Maybe you should confront him outside and see what his deal is. I don’t know if I trust him. He did reference Jesus, but who is he?”

Hey, I’m from New Jersey – I’m skeptical about people sometimes!

Anyway, it was an interesting encounter and an overall good message. Over the last few days, I’ve thought about this message and this guy’s confidence and lack of fear in delivering it. Jesus Christ is coming back and he loves you.

Now that’s a pretty uplifting message if there ever was one!

The video below was taken much later – only a few hours before Hurricane Sandy hit the Asbury Park Boardwalk. Notice how the Atlantic Ocean begins to actually hit the boardwalk in this video.

And, of course, there is the image gallery. The captions below are short and sweet, but they should indicate where the picture was taken and what it’s showing you. Take a look – it was an intense storm.

And that’s some before and after of Hurricane Sandy in the Northern Jersey Shore area of Monmouth County. It’ll take a lot of time to rebuild and get things back to normal, but we’re from New Jersey – we love a challenge!

Anyway, I don’t have to write too much more about the topic because you have this half finished entry to read. Enjoy!

However, with this article, I decided to write something a little bit different – how my housing situation impacts my student loan repayment schedule.

On the surface, some people might not see the very real relationship between paying where I live and how that impacts my ability to repay my student loans. The truth, though, is that aside from my self-prescribed huge payments to the student loan companies each month, my next biggest expense is rent. Ever since I started renting in the Monmouth County area, I’ve been lucky enough to share the rent expenses with roommates. Since I’ve been able to share the rent costs, my monthly rent expense has ranged from $500 per month up to what it will be come this July – $893 per month. In the grand scheme of things, that’s not so bad.

Down to $84 thousand...

However, if I had to take a guess at how much money I’ve spent on rent since I began renting in the Monmouth County area, I’d estimate that I’ve spent about $80,000 on rent. That’s a lot of money, huh? In fact, now that I owe about $84,000 in student loans, you could see how there might be some connection there… But focusing on what I’ve already spent in rent isn’t worth the aggravation. That’s in the past and, frankly, I make a decent enough annual salary where I can afford to pay a good rent to live in a good place.

There was probably some potential in that entry, but it’s over now!

According to my calendar, we have six weeks left for the CSA farm this season. I might try to work my way in there at some point during the off season to see what’s going on and whether they have any other types of organic food that we can purchase. Stay tuned for more pictures from the farm.

As you can see, we picked up more vegetables (especially yellow squash and zucchini) than we have in the recent past. Also, I can tell you that the share we received from Saturday, September 11th was pretty substantial, which is a good thing. Stay tuned – more pictures in the coming days…