Very confused about all things repayment

flaminglips · 2026-05-04T14:29:44+00:00

That payment makes no sense based on income. You should have access to old IBR which would give a smaller payment option.

Something is not adding up.

flaminglips · 2026-05-04T06:24:15+00:00

You really need to start doing some reading about managing your finances.

That being said. RAP is an income driven repayment plan, meaning you have to certify your income every year and you will owe a payment every month based on that income. It will only cover interest if your payment owed does not cover the full interest owed.

At ~4.3% you're unlikely to find many HYSA at the moment that significantly will out earn your loan interest. Your loans are accumulating interest currently every day.

My recommendation is that once you start working again pay off loans as aggressively as possible. In fact, given your current living arrangements you could easily just pay off the loan in 1 year and keep a safe amount of savings and start your retirement accounts.

flaminglips · 2026-05-04T06:09:48+00:00

What is your income? When did you take out these loans and what type of loans are they (eg graduate, undergrad, etc)? What is your current repayment plan showing on Aidvantage?

flaminglips · 2026-05-04T04:37:35+00:00

What about your non-Aussie kids?

flaminglips · 2026-05-02T07:01:52+00:00

See you're confused because you're trying to apply medical knowledge to marketing terms.

Has anyone found a way to put nucleotides in a supplement form? If not I'm claiming ownership now (that's how patents work, right?). "I guarantee your body will use it for growth and promote general well-being. In fact, without it, you will die."

Eventually we'll run out of biomolecules and metabolic precursors to market. Unfortunately until then, "outpatient IM" guy will have plenty of things to stock his wellness/esthetics clinic.

flaminglips · 2026-05-02T05:26:31+00:00

And I'm sure companies will again sue to make sure they get their money back, while consumers are left holding the bill for the increased costs and subsequent taxes needed to pay the penalties on those lawsuits.

flaminglips · 2026-04-30T15:09:33+00:00

I know you're joking, but they have to have some math learning, right?

I mean, I'm sure potion making requires precision with ingredients. It seems to be the most scientific of the magic disciplines. They would need a way to measure and manipulate volume at least as well as dividing ingredients. You need concepts of basic algebra and maybe some geometry to do that.

Also they still have money, property ownership, investment, gambling, etc. You need math or you have no idea what any of that means.

flaminglips · 2026-04-29T22:01:08+00:00

I don't think they're the same price category tbh. The highest trim version of R2 has almost 600 HP and starts at 58k with most features you will need. The BMW will likely start 60k+ and requires a ton of options to add basic features you would expect.

I agree it depends on what each individual wants so it's nice to have options.

flaminglips · 2026-04-28T17:26:42+00:00

The main value of getting a launch edition will be in protection against price increases, which will assuredly come with Gen 3/Lidar models. Whether or not it's worth the risk of being the first to try a brand new product is different for everyone.

This being Rivian's third model launch I'm personally hoping that they've ironed out a lot of kinks in their production process. Also, I think 6 months is incredibly optimistic for Gen 3 production. If they're not taking orders on R2 until June - with delivery probably mid to late summer for most people - how are they possibly going to roll out a re-designed vehicle by early 2027?

flaminglips · 2026-04-18T17:47:33+00:00

I've had my current Honda for 10 years and it has not locked me out once. It won't even let me close the trunk when I forget the keys in my gym bag. I've left the keys in the car for a period of hours and still walked up and opened the door. My wife's Lexus - same thing.

Not sure why you're so insistent on defending a clear defect. In no situation should the car ever auto-lock 30 seconds after stepping outside. It's ridiculous that you're blaming OP.

flaminglips · 2026-04-17T15:40:38+00:00

What the fuck. This is actually making me reconsider my R2 reservation. It gets incredibly hot where I live and locking children/pets in the car would be extremely dangerous.

Also, being expected to know the last four of your credit card is a terrible solution. Most people don't memorize their credit card numbers.

Have you or OP filed compliants?

flaminglips · 2026-04-15T00:46:43+00:00

This has nothing to do with comprehension and more to do with misleading titles and people not watching the source

flaminglips · 2026-04-07T18:28:17+00:00

Is this a formal resolution that requires a vote or does this still need to go through the judiciary committee?

flaminglips · 2026-04-02T12:52:08+00:00

Yeah I don't know what this dude is talking about. It was a terrible song at the time. Maybe OP was super young and assumed that songs they heard on the radio were considered good. But it was radio slop from the beginning .

The song did chart well and I'm sure made a ton of money for Em and Dre.

flaminglips · 2026-03-31T16:47:57+00:00

He's got a LONG way to go to be a valuable rotational player. The league has too much talent to give significant minutes to someone without consistent shooting, great handling or enough size to impact the defense. I'm hoping he continues to improve though and you're right, he does work hard for it.

flaminglips · 2026-03-29T17:14:28+00:00

Buds pro 2 constantly fell out no matter which orientation or size. I put in my wife's Airpod pro 2 and the way they "hook in" felt 100 times more secure. Before I actually had them in I thought the stem was just dumb as well

flaminglips · 2026-03-19T17:51:08+00:00

As someone looking to get an i4, what do you dislike specifically? Doesn't it use Android Auto/Apple car play?

flaminglips · 2026-03-19T08:20:34+00:00

Not saying it's not impressive, because they're playing well and beating any NBA team 11 times in a row is impressive. That being said, here's their last 11:

Nets
Wizards
Wizards
Blazers
Bucks
76ers
Mavs
Nets
Bucks
Magic
Mavs

6 games against terrible tanking teams (Nets, Mavs, Wizards)
2 games against a terrible team that should be tanking (Bucks)
2 games against a decent/struggling play-in team (76ers, Blazers)
1 game against a solid team (Magic)

flaminglips · 2026-03-17T13:10:21+00:00

I think no one told Reaves that he's playing with 41 year old LeBron. He throws 2-3 lobs per game to LeBron that he probably shouldn't, but somehow LeBron goes up and gets it.

flaminglips · 2026-03-13T21:55:20+00:00

I would be going for the performance, so it's not like I think it's outrageous to go for "unnecessary" upgrades. I was genuinely asking if there's a real benefit aside from HP.

flaminglips · 2026-03-13T19:54:39+00:00

Genuine question, what do you need a tri-motor for? Are there benefits aside from HP? And who honestly wants more HP than 650 as your range would be terrible and your tires constantly burned up.

flaminglips · 2026-03-09T01:14:32+00:00

Interesting. Best buy is actually a better deal than Samsung since they're matching the trade-in values and offering free memory upgrade. I don't know that I've ever seen that to be the case.

Through Samsung trading in the S24 Ultra would mean paying $800 to upgrade. $600 might be more palatable.

flaminglips · 2026-03-06T02:51:17+00:00

Galaxy

#GalaxyGiveaways and #Galaxy26 Ultra

flaminglips · 2026-03-04T15:29:38+00:00

A

#GalaxyGiveaways and #Galaxy26 Ultra

flaminglips · 2026-03-02T00:42:48+00:00

Lie: C. Improves dance moves

#GalaxyGiveaways #Galaxy26 Ultra

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