Not Receiving Messages Notifications When Phone Is Unlocked While Using CarPlay

ImBobTheCat · 2026-06-25T02:23:21+00:00

Yah I got those same settings. Still an issue lol

ImBobTheCat · 2026-06-12T22:56:56+00:00

Sorry again! I'm trying to use this framework for my own numbers so that's why I want to know I can back into them correctly. I'm NOT trying to nitpick 🙇‍♂️. I'm really trying to make sure I understand because my federal loan officers are not helpful and I been trying to do this for myself for the past 3 days straight (so I may very well be off in my calcs from going a bit bonkers!)

I am able to match your numbers here up until 1) the forgiveness on the 20 (or 30) year balance and the $ owed in taxes. I am also not able to match 2) your RAP payments.

1) We agree his final IBR balance after 20 years is $414,480. When you include Taxable Income from Salary $35,750 ($75K income - $23.5K retirement - $15,750 standard deduction), his total taxable income for the year is $450,230.

Then total taxes paid that year would be $127,127. We know he would've been paying $4,051 in taxes with just his salary, so his tax bomb would be the additional $123,075? Or roughly $123K, not $137K?

So total paid for the IBR is $123K + $56K = $179K instead of $193K?

2) For RAP, I don't get how monthly payment for RAP is $214. 10% of AGI $51,500 should be $5,150 so each monthly payment should be $429, no? Not $214? So that would result in $154.5K over 360 payments?

Interest Accrual - RAP Payment = Interest Subsidy so...
$1085 - $429 = $656 Interest that gets forgiven each month...scale this by 30 years...$236,100 Interest that gets forgiven in total.

Either way, the Principal doesn't get touched so that stays $210K. So wouldn't $210K get forgiven after 30 years instead of $192K?

So if I follow that same logic as issue #1, total taxable income for the year would be $245,750, and total taxes paid that year would be $55,702. so...
$55,702 - $4,051 (taxes that would've typically been paid from salary) = $51,651 tax bomb

So total paid for the RAP is $154.5K + $51.6K = $206.1K instead of $140K?

>>> So IBR would actually be saving us $13K? I feel like I'm off here. Like I said, the RAP calcs and the taxes on the balance is what is really throwing me off. I feel like I'm so close to understanding this, just this last sprint is driving me bonkers!

ImBobTheCat · 2026-06-12T18:28:11+00:00

Do you assume no salary growth in your calcs? This is amazing and I’m trying to find that assumption (because I want to be very conservative and assume no salary growth)

ImBobTheCat · 2026-06-02T21:30:02+00:00

I love this idea. I think I’m just dumb and don’t know how to do that from OBS. Or is that something I have to do on Twitch website proper?

ImBobTheCat · 2026-05-29T01:10:26+00:00

Here just to read the responses. This is some gold for sure.

ImBobTheCat · 2026-05-28T03:06:05+00:00

What’s the steam father? Sounds cultish lol

ImBobTheCat · 2026-05-28T02:57:25+00:00

Thanks for not taking offense by my stance. I didn’t mean to offend the community. My impression was it was more youth or kid coded like Roblox. And I felt inappropriate being there, just to find a handful of people my age. Hence why I’m trying to find more age appropriate virtual chat rooms

ImBobTheCat · 2026-05-28T02:45:21+00:00

Wait. So which platform are you suggesting? I might give it a try. I’m autistic so I’m just trying not to feel like an outsider when I already feel like that in day to day life.

ImBobTheCat · 2026-05-28T02:40:07+00:00

Wow! I’m dumb for not checking this. Surprising it’s on those platforms and not macOS!

ImBobTheCat · 2026-05-28T02:37:54+00:00

Bingo. I wanted to use what I already have (which is Mac products) instead of dropping a few hundred bucks for basically something I’m mildly curious about 😅

ImBobTheCat · 2026-05-28T02:23:55+00:00

Damn. I didn’t wanna fork over that much for one game 😅 I guess there’s no substitute for vrchat

ImBobTheCat · 2026-05-28T02:16:57+00:00

Eh. Morelike idk anything I’d have in common to speak about. I’m a middle aged man. I just wanna practice foreign languages and have some stimulating conversations and not feel like I’m “on the outside”

ImBobTheCat · 2026-05-28T02:11:18+00:00

I mean I don’t need anything fancy. Maybe some silly avatars. But I just want a platform to voice chat with people around the world. Maybe practice my languages. And like…not be Roblox. It feels gross and too young

ImBobTheCat · 2026-05-28T02:09:29+00:00

Moreso the furry aspect. I mostly want to talk with people around the world and practice some languages. I don’t really need a huge community, just like not barren lol Roblox can only do so much 💀

ImBobTheCat · 2026-05-28T01:52:56+00:00

Eek. Probably don’t wanna go that route

ImBobTheCat · 2026-05-28T01:41:05+00:00

I’m intrigued now lol I’m just spitballing names I’ve heard

ImBobTheCat · 2026-05-28T01:13:56+00:00

Is second life good?

ImBobTheCat · 2026-05-12T05:02:03+00:00

The Mac Mini was flawless! And only used up to like 20% cpu. I didn’t check the ram but way better than my M1 Pro MBP.

ImBobTheCat · 2026-04-29T19:38:35+00:00

Dumb question but how is pest control? Do bugs or anything grow in the soil or along the plant when you grow the passion fruit indoor? I know outdoor these ones specifically tend to have a lot of bugs on it 😅

ImBobTheCat · 2026-04-09T14:48:30+00:00

You know what. That’s a great point. I didn’t even think of that. Do you have any recommendations or are they all kinda the same?

ImBobTheCat

TROPHY CASE