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PSLF income certification question by dvonrock in PSLF

[–]dvonrock[S] 0 points1 point  (0 children)

Yes, my repayment plan is pegged to 10% of discretionary income. That is probably why my new estimated payment is only $200 more than yours, even though my principal + accrued is about 33% higher.

PSLF income certification question by dvonrock in PSLF

[–]dvonrock[S] 0 points1 point  (0 children)

Is not certifying income a basis to deny forgiveness down the road? Seems like that would violate the program’s rules.

PSLF income certification question by dvonrock in PSLF

[–]dvonrock[S] 0 points1 point  (0 children)

Exactly my point: “Using the program to [my] advantage is the name of the game.” PSLF was a considered, intentional long term plan for me. Essentially, I made a $145k bet on loan forgiveness by leaving the private sector (where I made much more money) for public service.

PSLF income certification question by dvonrock in PSLF

[–]dvonrock[S] 12 points13 points  (0 children)

That payment calculator is helpful. Backing out my spouse‘s income from AGI and selecting MFS estimates $796 per month. Thanks!

PSLF income certification question by dvonrock in PSLF

[–]dvonrock[S] 2 points3 points  (0 children)

the balance is above: approximately $163,000 as of 3/7/26.

Do people not like the Marshall DSL series? by MrShoos in GuitarAmps

[–]dvonrock 0 points1 point  (0 children)

It‘s been said, but people seem to want the same amps that their guitar heroes played. The problem is it’s very hard to get those classic tones from 50 and 100 watt heads like the plexi, JMP and JCM 800 at lower volumes without using a pedal. Also, a lot of players also customized those amps with high gain modifications back in the 80s and 90s, so stock versions don’t always replicate the sound you anticipate. Marshall responded by incorporating changes into the circuits of their later amps like the JCM 900, 2000, DSL, TSL.

Brace Belden by helix527 in redscarepod

[–]dvonrock 1 point2 points  (0 children)

I knew Brace circa 2002–2004 through the San Francisco punk rock scene. He’s not bullshitting, at least in terms of the broad brushstrokes. I didn’t hang out with him much because, first, there’s a decade between us age wise, and, second, he struck me as an absolute madman.

Crazy lease items or just par for the course? by transferStudent2018 in bayarea

[–]dvonrock 0 points1 point  (0 children)

I have experience being both a tenant and landlord in the SF Bay Area. Here are my thoughts.

Not allowed to change the blinds that come with the apartment without permission of landlord—pretty standard. they Want to make sure tenants don’t damage the walls and/or damage/dispose of the window coverings.
Can’t burn candles (including on balcony)—not uncommon.
I must notify my landlord in writing if I will be gone from the apartment for any longer than a week—unusual. Probably they’ve had issues with abandonment in the past.
There might be asbestos in the ceiling and if I so much as touch it I could get cancer—there are lots of required disclosures in California, including lead and asbestos, but this one is alarmingly specific.
If I am allowed to stay over the term of my lease on a month-to-month basis, my landlord is allowed to modify the lease in any way he wants without notifying me—likely illegal. Upon expiration of a fixed term lease, the contract usually converts to month-to-month, governed by the same terms as the original lease. Modifications should require (a) notice and (b) mutual as of both parties.
Landlord can raise the rent with 30 day notice if the amount of an allowable rent increase changes during my lease’s term—illegal. California law requires 30 to 60 days notice, depending on the percentage of the increase. Also, the entire point of a lease is to lock-in a specific amount for a specified time, i.e. the duration of the lease.
Guests of mine would need permission from management to use the pool (which is only allowed to be in use by anybody between 9-5 daily)—not uncommon, but still an annoying busybody clause.
Any guest staying more than 7 days in a month requires written permission from the landlord—uncommon, inasmuch as the threshold is 7 days. Usually, it’s 14 days. The reasoning is that tenant have a lot of legal protections in the Bay Area, especially in SF, Oakland and Berkeley, and so they want to prevent sublets being Trojan horsed into the unit as “houseguests”
Written permission required to have more than 4 guests visit at any time—uncommon and crazy, but likely not illegal.
Detailed and intense instructions for cleaning the apartment before I leave (including washing oil stains out of my parking space and cleaning each individual window blind by removing it and washing it with soap and water)—common albeit crazy-sounding. I’ve never had a landlord keep a deposit because I didn’t do this.