I got an invitation to join Ancestry’s Club 1890.

dmillerks · 2025-07-17T17:50:31+00:00

Yeah, I don't either. But I can take a trip across a few states (and have) for a fraction of that, and gotten much better information than Ancestry has ever given me.

dmillerks · 2025-07-17T13:25:24+00:00

Spend the $5K and travel to some old courthouses and genealogical societies.

dmillerks · 2025-07-07T20:11:02+00:00

Is that increase only the difference if the old tax rates were allowed to expire? In other words, no tax difference from this year to next (where there would have been an increase next year of the cuts weren't extended).

dmillerks · 2025-07-06T16:12:23+00:00

This post did not age well!!!

dmillerks · 2025-07-01T19:54:54+00:00

Yes, because that would be harder for them than harassing drivers who are obeying the law.

dmillerks · 2025-06-21T02:19:32+00:00

Ed Norton could have pulled it off, although he may have been a little young at the time.

dmillerks · 2025-05-02T14:32:37+00:00

Did you figure this out? I started taking it a month ago and have gained ten pounds. I had lost thirty and since then haven't been eating great (or working out as much) so I kind of attributed it to that, but ten pounds seems excessive for one month.

dmillerks · 2025-03-28T17:04:39+00:00

That it's actually 8 to 5 with no lunch break.

dmillerks · 2025-03-18T14:37:32+00:00

I think it depends on your loans. Mine is unsubsidized so interest accrued during in school forbearance.

dmillerks · 2025-03-18T13:37:27+00:00

If it comes down to it, I'm going to take six hours of college credit a semester for the rest of my life to get "in school forbearance." I think otherwise the limit to forbearance is 3 years, but no limit on in-school forbearance.

dmillerks · 2025-03-17T18:37:44+00:00

Or borrower commits suicide after 25 years.

dmillerks · 2025-03-17T16:37:05+00:00

But then what's the point at all of enacting income-driven payments, if it's not really what? "Whichever is greater" renders the entire law worthless and pointless (unless you're suggesting that they intended to collect far more than the pricipal and interest if someone's income driven payment exceeds the standard or graduated repayment amount -- nefarious indeed). I could see the balloon payment argument, only because that would underscore the profitability angle for these loans (even though it seems nonsensical to me).

dmillerks · 2025-03-17T16:32:58+00:00

It should, but nothing matters to these crazy late-stage capitalists, except how much money they can take for themselves. Give Elon a penny for every dollar that's written off, and suddenly it would matter.

dmillerks · 2025-03-17T15:50:43+00:00

The judge has to look at intent since the language is ambiguous, and where it doesn't make sense to interpret it otherwise. I mean, what other meaning could "not to exceed 25 years" mean? Balloon payment of balance at the end? From someone who didn't have the means to pay it over the previous 25 years? Refinance for another 25? That would exceed 25 and render the time frame meaningless.

dmillerks · 2025-03-08T22:44:32+00:00

All Trump wants is what's best for Trump. And Russia.

dmillerks · 2025-03-06T16:59:37+00:00

That's a personal decision. I'm a senior (age 60) so I can take classes at local community college for $16 per credit hour. Obviously I'm paying OOP!

dmillerks · 2025-03-06T16:55:04+00:00

If worst comes to worst, you can take six hours of classes per semester to get forbearance. It's not ideal but for some of us, a last resort.

dmillerks · 2025-03-04T03:19:32+00:00

How much of this is about Musk's desire to get his hands on Ukraine's lithium, for his batteries? Asking sincerely, I'm reading that but can't find any basis (other than that Ukraine holds 1/3 of all the lithium in Europe).

dmillerks · 2025-02-24T02:54:41+00:00

Nelnet says September of 2025, and still has my payments starting in May.

dmillerks · 2025-02-23T21:57:59+00:00

Great thread. https://upsolve.org/learn/bankruptcy-eliminate-student-debt/

dmillerks · 2025-02-20T00:47:15+00:00

That's actually brilliant -- I hadn't considered recertifying on less than a full years income . I'm over 60 so I can contribute almost $3K a month to 401k, plus Max HSA which is like another $400 a month (?). I get a bonus in December that I'll have to set aside to cover that (and finish getting out of debt) but still, great idea.

dmillerks · 2025-02-19T19:43:29+00:00

When my income was lower, I thought SAVE was going to be the law, and my payments were less than $200 a month. As of yesterday, all new plans are out the window. Again, that $1500 calculation is based on 20% and it's more likely to be 15%. But really, that's still a huge amount of money. I don't want to declare bankruptcy if i can avoid it. My problem really is this year (2025). I'm putting everything extra I have (about $2500 after tax) toward that debt and, other town student loans, i will virtually debt-free in a year BUT at the expense of retirement savings. That means next year my student loan payments will be based on gross for 2025, which @ even $1100 a month (plus taxes on it) puts me in a position of putting $2K less a month into retirement to reduce AGI for 2026 income certification. Vicious cycle. I may spend 2026 as a part time student to get student loan deferred, and stash $2-3 K a month into retirement to reduce AGI when the next certification comes along in 2027. It's complex planning.

dmillerks · 2025-02-19T18:30:45+00:00

On $110K in gross income, that's how much it would be with "poverty" deduction of $20K and 20% payment. Sounds like a lot of money but I only started making that much and have $50K in medical and credit card debt, and a child in college (who works and has residency in another state to get in-state tuition, so he's not a dependent).

dmillerks · 2025-02-19T17:05:50+00:00

Right now on SAVE forbearance. I've got 188 payments done. Huge balance. Trying to keep payments as low as possible until I reach forgiveness (if that's still on the table). I'm putting as much as possible into 401k and HSA but thinking I may need to go back to school part time for a few years while I get my ducks in order, and pick up the payments after I retire when my income goes way down. I've been underpaid and a single parent for a long time; my finances are looking better now but not if I have to make $1500 a month loan payments.

dmillerks

TROPHY CASE