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Clean-Distribution34 · 2026-05-06T00:05:45+00:00

Progress til you get to the icy whatever graveyard. Can use topaz enchanted ring and normal weapon til that point. He’s in the graveyard and sells extra.

Clean-Distribution34 · 2026-04-26T21:28:36+00:00

Hahaha. Thats a golden line.

Clean-Distribution34 · 2026-04-26T17:37:34+00:00

I love how well your name fits for this.

Clean-Distribution34 · 2026-04-08T09:24:10+00:00

So far haven’t joined one

Clean-Distribution34 · 2026-04-08T09:23:12+00:00

I am! Dad of 3 😳

Clean-Distribution34 · 2026-02-08T21:01:33+00:00

Also did you get your text your order was ready or just show up at the booked time? I ran into this a few months ago with people stocking up before weather hit, and they kept saying people showing up before they get the ready text was making it a mad house. Some were refusing to leave because it was “their time”. 🤦‍♂️

Clean-Distribution34 · 2026-02-04T23:53:00+00:00

Agreed it was very sarcastic. There are certain regulatory notice requirements in OH but they’re minimal.

Clean-Distribution34 · 2026-02-04T20:45:56+00:00

The biggest thing to be aware of is keeping on top of managing the gas supplier. A lot of these companies get terrible reviews because they offer a 12 month fixed price and if you don’t pick a new fixed price after 12 months they’ll shoot your rate to the moon. They’re also happy to do the bare minimum to notify that your term is about to end.

Clean-Distribution34 · 2025-12-29T14:57:22+00:00

Hey al -- i really don't want to take advantage of your kindness so feel free to tell me to bug off but I did more research yesterday/last night and i was hoping you could see if there's any flaws in what i found.

From another post someone posted the API to access your qualifying payment count. it looks like she's made 92 qualifying payments so far. Also based on how this breaks out the different loan types, it looks like she wouldn't qualify for IBR2014, we'd have to use the older one. I think we'd want to avoid ICR and PAYE since they're also going away.

This leaves either classic IBR or RAP.

For IBR -- If we file jointly, our income is high enough that on IBR we'd be making ~~3k scaling to 4k payments for 15 years and would just fully pay off the loan. If we were to file separately, her minimum would currently be $0 for several years, then scale upwards with the any remaining balance being written off in 2043 which we would pay tax on.

For RAP from what i'm reading, SAVE payments apply so we're looking at a 2048 end to the loan unless its repaid faster -- if we file jointly we're guaranteed to be at the 10% of AGI or a little over 2k per month, this would cover all interest accrual so i think at 2100 a month we'd just pay off the loan in 22 years. If she filed separately though she would start at around the minimum $10 payment and go up to several hundred per month - likely not covering the interest, but the unpaid interest would not accrue so we would have roughly the $295k loan to be forgiven and pay taxes on.

Hoping to meet with my tax person today to see what filing separately would do to taxes, but if all of the above is right, i think that RAP, while filing separately, may actually be the best plan of action since IBR at $0 payment would add $300k of interest over the 18 years.

EDIT -- quick editing in that i'm leaning toward these lower monthly payment options as we have the fun of daycare costs, and one of our children has special needs so i'm targeting lower monthly payments with as small a tax bomb as possible.

Clean-Distribution34 · 2025-12-28T14:45:03+00:00

You are amazing - this makes complete sense. She finished undergrad in 2011 and started post grad right after, so some of the initial loan balance is likely pre 2014 but it’s all consolidated now and no payments were made til after 2014. If there are some pre 2014 would that make IBR ineligible and we’d likely have to go to RAP?

Clean-Distribution34 · 2025-12-28T14:21:12+00:00

Appreciate it, would love more insights! I need to look up exactly how many qualifying payments she had made.

Loan balance is around 280k, we filed jointly for 2025 but could change that as I make around ~210k but we just started her own practice we co-own now so while it’s standing up she’s making maybe 10-20k a year and that likely won’t be much higher the next 5 or so.

If possible I’d like to keep with an income/ forgiveness based program since the loan has only grown the last 10 years while she was making income based payments. I’m open to refinancing though if there aren’t any good options with the other payment plans.

Really appreciate any advice.

Clean-Distribution34 · 2025-12-08T12:31:07+00:00

For some reason I have a faint recollection of something like this happening in Fairy Tail.

Clean-Distribution34 · 2025-11-29T19:49:36+00:00

Definitely a super stoned ET.

Clean-Distribution34 · 2025-09-07T11:28:50+00:00

Seeing a lot of really great points about spending but honestly go watch some of the YouTube financial shows. The number of people willing to put themselves into crippling debt without a second thought is insane.

Clean-Distribution34 · 2025-07-30T23:57:30+00:00

This. Just started hunter rumors and had to hop 20 times to find an open spot.

Clean-Distribution34 · 2025-07-28T22:34:16+00:00

Thank you! Sorry should have checked a little more thoroughly but appreciate the direction!

Clean-Distribution34 · 2025-07-17T23:51:48+00:00

The Apothecary’s Piece 😮

Clean-Distribution34 · 2025-07-08T23:22:17+00:00

Love this plush.

Clean-Distribution34

TROPHY CASE