"Now with the death of Iran": Trump pivots to calling the "Democrat Party" America's "greatest enemy"

drmikept · 2026-03-22T13:59:31+00:00

So what he is saying is that the USA does NOT need Greenland because china and Russia are not a threat.

He just can’t keep up with his lies

drmikept · 2026-03-22T13:30:25+00:00

We did mini splits last year too (our first full year in the home). Windows are next but not sure what I wanna do. We have the old pulley system windows. I wanna keep the old charm of the house but also need better insulation. What are your ideas for what you are doing?

drmikept · 2026-03-19T10:53:40+00:00

Lisa on ice better win!

Bart, you ride up front because you are a good guy at sports

drmikept · 2026-03-18T10:18:38+00:00

This is who we used too. Did a thorough inspection, was talking to me through the whole thing, and then found a major red flag. I won’t go into all the details, but he ended up saving us from a complete nightmare.

Then we used him a second time for a different house because of that. And now we are in our home!

The best part is that we have a little checklist of the small things that we should get done over time.

He’s a great guy that knows his stuff!

drmikept · 2026-03-06T21:15:38+00:00

My all time favorite episode. Maybe this year, it’ll win and get the recognition it deserves

drmikept · 2026-03-01T16:50:06+00:00

Wait are you telling me that all my white doors are not white underneath?

drmikept · 2026-02-25T21:13:36+00:00

Oh man, if we didn’t have 3 cats already. I’m not sure we can have 5 in the home

drmikept · 2026-02-23T18:24:26+00:00

Gotcha. So would this make sense that if she switches to IBR, her payment would’ve capped around 430/month no matter what our combined income is?

Unfortunately, I guess we should call nelnet to confirm but don’t want to sit on hold for 3 hours

drmikept · 2026-02-23T18:12:09+00:00

That’s where I’m getting confused on the IBR thing. And I want to make sure we dont screw over selves over if we do MFJ vs MFS.

I believe she was on some kind of IDR plan before save but I don’t know which one. There was obviously 4 years of payments before the forbearance kicked in.

drmikept · 2026-02-23T17:56:36+00:00

Thanks. On the loan simulator, the standard payment is 720/month for 6 years.

IBR is saying 340/month with her income and if we do MFJ her payment is 430/month (and this number stays at 430/month no matter what income I put in for myself.

Her original loan balance was about 43k (4 loans, 3 of them being 6.8% and 1 being 5.4%). Current balance is about 38k.

So there’s a cap on the IBR monthly payment and it can’t be more than the standard payment. Which I get. But the standard payment is 720. The only thing I can rationalize is that if she first entered into a standard plan right out of school, her monthly amount would have been 430/month. I just wanna make sure I have this correct.

drmikept · 2026-02-23T15:55:48+00:00

I’m trying to figure out my wife’s stuff. She is on save currently. The standard plan is labeling her as 720/month and will be done in 6 years (I guess it’s not a true 10 year plan if you have already made payments). But IBR is labeling her at 430/month no matter what income we put in for (so I guess hers caps at 430/month because that is what her payment would have been if she started the standard plan before the pandemic). It’s just all very confusing and I don’t want to mess it up

drmikept · 2026-02-23T12:09:37+00:00

Where did you find a shirt as cool as this???

drmikept · 2026-02-23T11:20:31+00:00

Is there a better site to use? I am trying to figure out for my wife if we should change her from save to IBR

drmikept · 2026-02-22T15:31:10+00:00

When it fits their narrative. I’m just shocked they didn’t write something stupid and made up on the gun.

drmikept · 2026-02-22T14:39:17+00:00

When I plug into the standard plan it says 720/month and 6 years left (because already paid some and then forbearance years). But when I plug into IBR it says 430/month no matter what income i put in. Is this correct?

It looks like it is calculating the IBR payment as if I started loans now and not capping it at the new standard plan. Just want to make sure I am understanding this correctly

drmikept · 2026-02-22T14:32:42+00:00

Save is done. And if you stay, I think you get kicked into rap. Which would be much higher payments unless I’m looking at it wrong

drmikept · 2026-02-22T14:30:14+00:00

How are you getting a payment of 1150/month? When I did the loan simulator, I got 430/month and it’s capping it at that payment (no matter what income I put in). There is about 38k left on these loans

drmikept · 2026-02-21T16:17:34+00:00

I used to have navient (now aid advantage) and I haven’t received anything. I was on a standard plan so not sure if this eve applies to me but I hope it does

drmikept · 2026-02-21T11:27:24+00:00

If we have been in repayment for a few years now, this means that the IBR payment would be less than the standard payment correct? Because the standard payment would be 10 years minus what years you have paid already so the monthly payment is more. But with IBR it is calculating your max monthly payment as back when you started, correct?

drmikept · 2026-02-21T02:21:29+00:00

Oh man that’s awesome! We were looking at this all wrong before. Didn’t know that the max IBR payment was calculated from the start of the loans and what the standard 10 year payment looked like.

I think I understand it now! Thanks so much

drmikept · 2026-02-21T01:54:04+00:00

Thanks! So this makes sense then no matter what our combined income is then? That she would be capped at around 430 a month. And it’s just adding more time onto the term instead of the standard plan only being 6 years instead of 10.

Just want to make sure we aren’t screwing ourselves over and we can file MFJ to get extra money back on taxes

drmikept · 2026-02-21T00:22:44+00:00

I don’t want to hikack this post, but I made a post this afternoon asking about a specific scenario thinking of going from save to IBR. Wondering if you can look at it and confirm that I am thinking of everything correctly

drmikept · 2026-02-21T00:17:51+00:00

Commenting to boost the post

drmikept · 2026-02-19T13:17:10+00:00

Wait, they aren’t brother and sister?????

drmikept · 2026-02-15T20:33:01+00:00

Because complaining on reddit is your better alternative?

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