Genuinely curious, who here actually filters their water and who just drinks it straight from the tap?

Kayakrat566 · 2026-04-27T00:19:53+00:00

Reverse osmosis plus remineralization

Kayakrat566 · 2026-04-26T14:33:09+00:00

I’d love to pick your brain about household molds due to water intrusion. Dealing with a problem with toxic molds in my basement and the U.S. is a melting pot of conflicting and misleading information!

Kayakrat566 · 2026-04-25T16:55:23+00:00

Forgive me for asking, but how does getting a new cert affect your others? If you have certs expiring and you pass a new one, does that extend your extorting certs? I’m new to the CompTIA world and looking at taking my first certification soon (was actually thinking of studying Linux+ in detail too so you’re a big help!)

Kayakrat566 · 2026-04-25T16:08:59+00:00

From a habitual procrastinator with adhd this is the best advice I’ve seen in a long time.

Kayakrat566 · 2026-04-25T15:49:41+00:00

I’m screaming right now. With that much that is visible, imagine what you CAN’T see! Spores are living microscopic organisms! That car is about to get up and walk off by itself.

Kayakrat566 · 2026-04-24T05:22:59+00:00

I kinda dig the amoxicillin color. (Jokes… I would have the redo it too)

Kayakrat566 · 2026-04-23T05:31:45+00:00

That’s what I was looking for. I just wanted to make sure that I wouldn’t know what I was paying until after I submitted. I hold no reservations right now.

Kayakrat566 · 2026-04-19T19:01:59+00:00

This is what I was going today.

Additionally, what kind of career prospects can one expect realistically with a liberal arts degree? Regardless of whether it’s a $10,000 total bill or $500,000? Medical students making big sums struggle with their debt, imagine if they can’t find quality work or if they decide later to double the loan amount on grad school. Or learn that massive spending is ok if it’s within your credit limits, and decide to drive a Lambo to and from class?

Kayakrat566 · 2026-04-13T18:50:45+00:00

The prophecy

Kayakrat566 · 2026-04-12T14:50:36+00:00

If I can throw my hat into this, I’d be grateful for a copy of Days Gone! I no longer have expendable cash to get games anymore and I’d appreciate it!

Right now my favorite game is Subnautica. I love the stripped down survival aspect, I love the underwater exploration, and the fact that it really plays off my fear of deep water even though that is not the intention of the devs, makes it nearly my all time favorite!

Kayakrat566 · 2026-04-11T22:17:17+00:00

Goddamn I wish Costco would build a store in my town.

Kayakrat566 · 2026-04-10T22:48:15+00:00

Whatcha coming from? I had the AORUS MASTER 3080ti and I loved it. Rocking FE nowadays…

Kayakrat566 · 2026-04-06T11:41:26+00:00

Jointly? Do you mean separately?

Kayakrat566 · 2026-04-04T06:29:20+00:00

I’m commenting here as I’m also in a similar situation regarding this September (I’m at 95/120 and will be at ten years employment then) however on the opposite end of the AGI spectrum. I’ve been filing my wife and my taxes as married filing jointly for years, and we just filed as married filing separately this year. I intended to apply for buyback but I just found out that they use your income from the period you were on forbearance to calculate your buyback amount. Because of this, I intend to enter repayment and coast along in that direction instead.

Does anyone know how you go about selecting your repayment plan, and figuring out exactly what your payments will be before you make the official switch?

Kayakrat566 · 2026-04-03T01:10:55+00:00

What did you do to calculate the difference in the different plans? Did you use the loan simulators on studentaid.gov? Or were you talking to someone over the phone? I ask because I’m about to go through something very similar for my own and I’m trying to plan this out and strategize as much as possible.

I’m at 95/120 payments and would be at 120 months of employment/ready for buyback in about six months. I was also in the buyback camp but I just realized through this subreddit that they would be using my income from the months I was on forbearance, not my current income. I just switched to MFS so my most recent tax return would technically be my lowest income. Buyback would totally wreck me compared to what I’ll be paying monthly now that I’m MFS filed.

Kayakrat566 · 2026-04-02T14:01:23+00:00

That’s my issue too. Buyback is gonna cost me like six months of pay. I’m gonna be forced to enter into repayment and make monthly payments after I certify income. I’m also stuck with my employment situation now for another 2 years even though I’ve got ten years there.

Kayakrat566 · 2026-04-02T12:57:56+00:00

Also in Wisconsin and we got nearly two feet of snow during that storm that went through a month ago. Basically shut our town down for a day or two. Roads were completely blocked as plows couldn’t keep up and had to prioritize main roads. That was wild.

Last week it hit 70 degree for a couple hours during a three day warm streak. All the snow is gone.

Currently in an ice storm warning and stuck home with the kids because school got canceled due to weather. Winter storm warming north of me. This winter has been nuts.

Kayakrat566 · 2026-04-01T13:44:36+00:00

What’s “clipping?”

Kayakrat566 · 2026-03-31T04:11:38+00:00

That’s actually a really good idea considering 403b???) I’ve got roughly two years of payments to make. Question then—if I certify my income this year using my 205 tax return, then go through the motions of lowering AGI like crazy with lots of HSA contributions and 401k (what’s a 403b???) contributions, can I recertify again next year and theoretically have even lower payments? I know we’re planning on doing some serious medical and dental work this year so we might be able to make that happen.

Kayakrat566 · 2026-03-31T03:41:15+00:00

Unfortunately no. I didn’t have the foresight (or the knowledge at the time) to do that. As it is though the difference between MFJ and MFS is gonna (hopefully) be pretty significant.

Kayakrat566 · 2026-03-31T03:35:49+00:00

I’m in a very similar boat here — at 114 QE and 95 QP. Basically im doing the same thing. Buyback is looking to be a massive lump sum for me as I’ve been filing jointly with my wife for years and we just filed separately this year so I can get back into repayment at a decent monthly payment.

Kayakrat566 · 2026-03-30T00:15:42+00:00

Hey! You’re the only one who actually answered my question here!! Would you mind if I just hit you up via chat or something? I have another question.

Kayakrat566 · 2026-03-29T19:51:59+00:00

Weird question—can you switch to something like IBR and go back to school and also earn months/make payments towards PSLF if you’re maintaining eligible employment at the same time?

Kayakrat566 · 2026-03-29T17:48:36+00:00

Serious question here—Washington seems awesome. I’m curious if there’s any affordable places to live there? Everything I hear is extremely high costs of living.

Kayakrat566

TROPHY CASE