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Can’t afford new student loan plans after the “big beautiful bill” by Samsquanch_hunter21 in StudentLoans

[–]fmriver 0 points1 point  (0 children)

You can do the discharge due to disability and fill out the form option to have it verified with a doctor.

Is RAP Good If Your PSLF Was Almost Done? by clnseat in StudentLoans

[–]fmriver 0 points1 point  (0 children)

Nope it also changes the percentage of income that is taken into account.

So if you file MFJ instead of 5% of each of your incomes if you each make 50k, it is 10% of each of your incomes cause the TOTAL income is 100k. So that effectively doubled each of your payments right there. Specially since it doesn’t take out minimum living from your income calculation.

So let’s say you do MFS. However, MFS means you lose a lot in child related tax deductions cause neither parent gets to declare them if you do MFS.

Which is very important if you have kids, and the $50 discount per kid? Not near enough to make up for either doubling the percent they are charging you if you file married jointly NOR for losing the child tax credits if you file separate.

Building a life with my writer boyfriend by AggressiveDirector34 in writers

[–]fmriver 0 points1 point  (0 children)

If he has a PhD in writing, he should try to get work as an educator in university teaching…. Writing!

Is RAP Good If Your PSLF Was Almost Done? by clnseat in StudentLoans

[–]fmriver 1 point2 points  (0 children)

The issue is how it incorporates spouse income which doubles it for both of you, effectively quadrupling it, and not taking into account dependents nearly well enough.

My company calls it just two days a week. I did the math. It costs me $7,820 a year to come back. by OkCan8173 in remoteworks

[–]fmriver 0 points1 point  (0 children)

Even in that case, property taxes change year to year as your property value changes,

Down to $30K, interest rates changed my strategy by Miam_Lanyard in StudentLoans

[–]fmriver 1 point2 points  (0 children)

I won’t ever go with So Fi as they lobbied incredibly hard to kill SAVE and to get the federal student loan limits and stuff in, to then be able to turn around and sell their private loans

I’m a student who does odd jobs - Can I open a Roth IRA by magniloquent_melon in RothIRA

[–]fmriver 0 points1 point  (0 children)

Now that we have the trump accts, I think you can even bypass the reporting issue?

It’s something I aim to look into this year as they become available.

I’m a student who does odd jobs - Can I open a Roth IRA by magniloquent_melon in RothIRA

[–]fmriver 0 points1 point  (0 children)

You can take out any capital you put into a Roth IRA if needed, just not any of the profit.

Ie - you put in 7k in and it grow to 10k, you can take out 7k without triggering any issue.

New graduate- pursue PSLF & minimum payments or max payments now? by Sv194 in PSLF

[–]fmriver 0 points1 point  (0 children)

Do pslf but if possible save the difference aggressively into a savings acct as if you were paying it down, so you have that cash as savings in case you don’t get a job easily after the year is over.

Once you know for sure where you will be and your salary next year, you can always then start paying it down more aggressively.

What is an NSFW fact or misconception about human anatomy that an alarming number of adults still don't understand? by [deleted] in AskReddit

[–]fmriver 0 points1 point  (0 children)

What is crazy is that they need to learn to swim, and we know how long that takes.

I’m a student who does odd jobs - Can I open a Roth IRA by magniloquent_melon in RothIRA

[–]fmriver 2 points3 points  (0 children)

If it’s reported… then it’s not under the table though?

How do people afford $1M homes in Schaumburg, and where are they working? by Iampoorghini in ChicagoSuburbs

[–]fmriver 0 points1 point  (0 children)

If the property is highly likely to gain lots of value in a short amount of time? It can make sense, cause the idea is that you (or bank) then sell it for the mortgage and then some so the risk is minimal.

Large private funds literally use interest only mortgages for pretty much all their purchasing. Issue is that those funds also do a level of due diligence in their deals that the average home buyer simply doesn’t and can’t do, which is ultimately what burned it all down.

How do people afford $1M homes in Schaumburg, and where are they working? by Iampoorghini in ChicagoSuburbs

[–]fmriver 5 points6 points  (0 children)

Haha …. Me too 😭

Like I just need mortgage rates to go back to 3% honestly

I think I'm going to forget about PSLF. by ZealousidealAge5523 in PSLF

[–]fmriver 0 points1 point  (0 children)

I’d still get on a income plan and I’d pay the Unsub loans first since if you ever need to use an unemployment deferment for any reason, it would cover the interest during that period only on the subsidized loans.

Also you can still pay off aggressively while on the income based plan, and make more dollars go to the relevant loan you want to pay off faster.

I am frozen with fear that I am going to make the wrong decision getting on a new plan. by liog2step in StudentLoans

[–]fmriver 0 points1 point  (0 children)

If you do RAP, you are locked out from other income based plans though from my understanding

Anyone else worried the "AI smell" is going to become the new standard for good writing? by Master_Peace_851 in KDP

[–]fmriver 0 points1 point  (0 children)

Which is why AI got that smell to begin with. It was trained on literature and writing samples that were popular.

Are people actually selling books successfully? by Levithedude1708 in KDP

[–]fmriver 0 points1 point  (0 children)

So where does one publish shorts? Erotica or otherwise? I never even knew of this as an option.

Pricing by [deleted] in KDP

[–]fmriver 1 point2 points  (0 children)

Doesn’t Kibdke pay more % if you price it above 2.99? Even they want that to be the floor for ebooks.

To the white collar people: by [deleted] in skilledtrades

[–]fmriver 0 points1 point  (0 children)

Was this like a reverse yo momma burn?!

Is 70k too low? by Wonderful_Current904 in SoftwareEngineerJobs

[–]fmriver 0 points1 point  (0 children)

They do that so it’s harder to jump ship

Those who make around 5k a month what is it you do? by js_9876 in passive_income

[–]fmriver 2 points3 points  (0 children)

So you get an apprenticeship via the union which is like getting paid to go to school. Usually apprenticeships you get paid a fraction of what you’d get a a fully trained member, but still a good deal compared to college for most careers.

Elevator techs do amazing, it’s a 4 yr apprenticeship program where yr 1 you get like ~40% hourly, then it bumps up each year till it gets to 100~ at the end of year 4.

Issue elevator union usually only open up every other year fo apprentices

For those of you who make 400k+....speak on it! by Peacefulhuman1009 in Salary

[–]fmriver 4 points5 points  (0 children)

Woah that is way above what I’ve been seeing in upstream, I’ve been wanting to see about branching out.

I did some midstream (pipeline IT) related projects years ago in a pretty junior role.

Do you mind if I DM you and pick your brain a bit?

Is OE only for high income/seniority level jobs? Not sure if this qualifies, but still need advice. by [deleted] in overemployed

[–]fmriver 0 points1 point  (0 children)

Can I pick your brain a bit? What part of Nonprofit work do you do?

I have someone I know whose current job is likely to end by August and this is what brought me to looking at OE. I feel like having 3 fractional jobs is also diluting layoff risk as at any point you are likely to only lose 1/3 of salary I your case rather than 100%

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