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Messages - therussianbabe

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The Lounge / Re: When's the last time you rode your bike?
« on: April 15, 2018, 02:17:21 AM »
Six years now. Have been contemplating coming back before it's too late to.


Guy's I really would like to get my hands on one of these frames. I am willing to offer a finders fee to a person who correctly locates one or more of these frames. There has to be unused stock of one of these somewhere globally.

The Lounge / Re: Debt/Credit Score/Budgeting
« on: September 13, 2016, 07:23:19 PM »
Financial planning doesn't start with 'tricks and tips' like little nuggets; entire studies are devoted to this subject to balance income, spending, expected returns and risks. i can't write a usual wall of text at the moment (a lot of reading can be done via /r/financialplanning as a lesson one anyway) but i'll return to this thread with some stuff slightly more comprehensive

I'm about $1200 in debt via credit cards. I really want to pay them off ASAP, but with bills I'm lucky to pay off $100 here and there. Is getting a personal loan to pay all my cards off in one sweep worth it? Will this negatively affect my credit? Or help it? Or would you say I'm better off chugging along slowly but surely as I am now? I make about $2600 a month and pay about $2300 in rent, car notes, etc...

you're almost always better off to do that, essentially refinancing your debt yourself. credit card debts are some of the most undesirable debts to owe, and people that have them usually already have other bank debts. is this the case with you? if not, it is highly advisable to take a personal loan out to pay off your credit card debts immediately, they really fuck you when you can't pay everything off every month.

Given that you're currently struggling with monthly income, i'd assume you dont have a rainy day fund (usually considered 3 month of income equivlant, or 6 months of spending). You need to start reducing financial liabilities and outgoings now. the slowcooker is a very good start - hefty, healthy meals at low efforts, there are a lot of recipes online, and if you go to local farmers markets you can pick up a lot of vegetables for cheap, and they provide ample nutrients. potatos (with skin) will become a major part of your diet since they have a lot of essential nutrients for your health, and this is extremely important. you need to reduce fast food consumption both for your health and your wallet - what seems like a cheap meal actually costs much more than cooking enough for 3-4 meals, especially with the slow cooker, ample cheap veggies and cheap cuts of meat (which get tender when using slowcookers anyway).

should you have specific financial related questions pls ask

I'll echo this to a degree. You stated you are barely able to make $100 payments now, this raises a risk of default when taking a personal unsecured loan (which is what you would be looking at). Current rates float in the high 9.xx% range for a well qualified applicant (lower than the rate on your cards). The difference between your credit card debt repayment and loan repayment is the repayment schedule. Banks use fixed amortization schedules, this means that while they (usually) are okay with you paying more than the payment due, they are not okay with you paying less. Credit cards on the other hand usually offer a minimum payment that is less than you could find on a loan.

Unfortunately with the information given there is no solid answer. Is the $300 surplus you have each months end used for food? If not, what is it used for? Are you cancelling the cards prior to your prospective loan? These are all factors in what action, if any, is best for your financial well being.

x2 on emergency fund with a goal of 3-6 months sustainability, especially with a little one on the way (congrats). I highly advise you to go speak to a financial advisor with a newborn coming. Consultations are almost always free. They can steer you on the right path for the rest of your life financially. Seek out a registered local CFP in your area.


The Lounge / Re: Alcohol.
« on: April 30, 2016, 02:04:19 AM »
That said, it's no where near as bad as my friends that work in hedge funds or private equity, that shit is relentless.

I think I'd be dead in a year if I worked in investment banking.

You have no idea.

The Lounge / Re: Alcohol.
« on: April 28, 2016, 02:52:51 AM »
I think the important thing to touch on here is not what others think nor what society defines as 'alcoholism', it seems that despite what you may play off as your friends giving you shit for is that you also notice a problem. If you notice an issue, fix it. Will it be hard? Absolutely. It will be easier to replace with another habit than just keeping the exact same life minus drinking.

If you want my personal advice - coming a similar situation - replace drinking with the gym. A real gym not weights in your room. Go full blast into it like the early days of discovering riding, shape up your eating habits if they are not very good, and replace all fluid intake with simple water. This does not mean go be paleo or a bodybuilder or some crazy IG fan crazed fitness guru. Just be healthy man. It will be pure shit for the first 2-4 weeks, there is no getting around it. But I promise you that you will A) start to actually look forward to going, B) you will feel better on a day to day basis among other life improvements, and C) you won't really want to drink after a month, I mean I still have a night out at the bar once in a bluemate moon with colleagues but I am by no means getting smashed those infrequent times. There are long term detriments to what you are doing drinking this much and there is no better time than now to halt it.


The Lounge / Re: you bunch of old *****
« on: April 13, 2016, 11:25:26 PM »
I'll be 25 in July. Hard to believe I started my park rat BMX days 10 years ago and now I am getting ready to sit for my CFA and CFP designations. Times change and careers get in the way I guess, I still miss blasting quarters at the park though. I don't miss the fact that I knocked my teeth out doing so....

Lurking > Posting

As I am wrapping up college I am deciding I need a good stress reliever, so I have decided to start riding again. I am mainly looking for a frame first at a good discount price ($300 need not apply here), then I will work on collecting other parts. If you are leaving the scene or your current set-up and can offer a frame plus parts at a good price, lets talk some prices. On to frame requirements:

-Must be 21.25" (21.4" flys are bueno as well)
-Must have SS mounts and be gyro compatible (as in mounts and thread pitches will be intact, not stripped, and disclosed as such in a PayPal statement)
-I would prefer a frame under 6lbs, this shouldn't be a stretch now days
-The paint can be destroyed, I do not care, that is a simple fix
-Cracks, major dents, or any structural damage need not apply either

I am PayPal verified, a long-time member, and have a very long list of great transactions here on BikeGuide. Please let me know what you guys have! Thank you.

The Lounge / Re: what is your profession?
« on: September 03, 2015, 04:12:24 PM »
Currently a full-time student interning as a financial adviser at Edward Jones.

The Lounge / Re: Post your Car/Truck/Motor Vehicle V2.0
« on: August 24, 2015, 08:45:32 AM »
Well, I oil starved the S2000 on the track not having a baffled pan. So I sold it.

.....and then bought a TL SH-AWD Advance in this funky brown color. We'll see if it fairs better this winter than the track prepped S2000 with winter tires lol.

The Lounge / Re: Holy smokes its been a long time.
« on: August 21, 2015, 12:01:41 AM »
Bruh, I just logged back on too for the longest time. It's way different than it once was.

As stated I am trying to track down one of these frames.


Must be 21"+ top tube
Must have all mounts in tact
Must be in good condition

PayPal verified, long-standing Bikeguide member with selling and buying reputation

The Lounge / Re: Help my friend stay here at school
« on: April 03, 2015, 10:44:44 AM »
I thought it was going to be something interesting like helping a foreigner stay in America. Forcing him to marry someone and pay them a lot of money to get their green card.

Now I wish that was what was really happening haha

The Lounge / Help my friend stay here at school
« on: April 03, 2015, 10:36:50 AM »
It has been a very very long time since I've been back here to bikeguide, some of you may remember me, others may not have been members yet when I was here. I am a student at PennState, my friend Tanner lives at the university apartments. Every so often the apartments run a contest on social media giving away free rent for both semesters of the upcoming year. There is no one that deserves and could use the break of free rent than Tanner. All that I ask is that you go and retweet his tweet. Put bikeguide as the reason behind him catching a break he deserves.

Link to his tweet for retweet:

Again, any and all help is greatly appreciated. Feel free to share with your friends if you are feeling generous. Thank you.


The Bike Shop / 22 inches
« on: November 27, 2012, 09:09:18 PM »
Quote from: ssteinbr;3610870
Sorry to hear that...  I rode that exact model C this summer at Joyride150... I mean exact same brake pads, tires and cable too!!!  Everything was 100% still working.  That Model C is laid out for sure.

I was talking with the (ray's) guys tonight and sounds like S&M wouldn't be an issue with Trek but who knows if it will come to pass.

I miss those few years with Nina Logan and Bobby at the helm.  I remember your green model c with the purple stem blasting that Oakley jump about as high as anyone I have ever seen.

When Nina and them were there I was there every weekend all weekend. It was practically a Section Eight reunion.

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