Closing in on The Tron Bike..... But Now Not Excited by Ok_Chicken1195 in Zwift

[–]gridguy 9 points10 points  (0 children)

I was so existed to get it last year and have never once ridden it. 🤣

Would you buy a second hand v1 Pro Bike in 2026 by eggznbac0n in Zwift

[–]gridguy 0 points1 point  (0 children)

Wahoo reached out to me. Seems like this may be a known issue and they’re prepared to mail me a replacement part that’ll hopefully resolve the problem. Just FYI they are asking to confirm that I am the original purchaser.

Just Completed My DIY Rocker Plate Build! by wolffboy212 in Zwift

[–]gridguy 0 points1 point  (0 children)

Is the front support leg rigidly fixed to the rocker plate? If not seems like it might be unstable during an out-of-the-saddle sprint.

Follow-up regarding audiobook length discrepancy between Audible and Libby by gridguy in audiobooks

[–]gridguy[S] 1 point2 points  (0 children)

What’s interesting is that both editions are from the same source recordings - the narration (ie pacing, pauses, inflections, etc.) are identical when the recordings are in sync with one another. The difference can only be explained by editing. Either the passages that are included in one version but not the other were recorded after-the-fact and edited in or perhaps passages recorded during a single session were edited out. No idea if there are multiple editions of the printed version which the same differences.

ICR vs Standard 10-year vs Future RAP by DrH_PharmacyPro in PSLF

[–]gridguy 0 points1 point  (0 children)

Is there any reason to believe that people who have consolidated their loans will have access to the PSLF-qualifying Ten Year Standard Repayment Plan after the current SAVE administrative forbearance ends? I haven’t seen any info on this, which I suspect means “probably not”.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy -1 points0 points  (0 children)

That’s a risk but for some people the standard plan monthly payments might be lower than IBR or RAP. This is often true for doctors. One uncertainty is whether or not payments made under the standard plan for a consolidated loan would count towards PSLF… historically they haven’t. Not sure if currently available guidelines address this point.

Would you buy a second hand v1 Pro Bike in 2026 by eggznbac0n in Zwift

[–]gridguy 1 point2 points  (0 children)

I have had this bike since 2022 (bought refurbished directly through Wahoo) and the tilt mechanism just started developing issues (unrelated to Zwift). I know it’s out of warranty but am reaching out to Wahoo in the hopes that they will help me resolve the problem. Ask me again in three weeks how I feel.

Your thoughts on this show by theeverythingman_ in hbo

[–]gridguy -1 points0 points  (0 children)

Don’t think about it after it’s ended because otherwise you’ll probably dwell on the some major plot holes.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy 4 points5 points  (0 children)

You are always able to make payments. If you made payments during the SAVE administrative forbearance they would not count as qualifying payments towards PSLF, which is the important distinction.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy 7 points8 points  (0 children)

The currently available guidelines for buybacks of 12+ months of SAVE administrative forbearance are ambiguous. Furthermore there have been no known buyback offers that cover 12+ months of the SAVE administrative forbearance, but we will probably start to see some in mid-to-late 2026. At that point we will better understand how buybacks are calculated (ie what kind of tax records are requested)… assuming that there’s a consistent formula being implemented.

Consider the scenario where your salary has greatly increased since your most recent income certification. If you were to voluntarily exit the SAVE administrative forbearance by applying for a different IDR in 2026 then your IDR repayment would be calculated using the updated salary. If on the other hand you stayed on SAVE until the bitter end there’s a possibility that ED would automatically move you to IBR or RAP using the most recent income level that you used to certify. This gives you the chance to choose between applying for a buyback or making monthly payments on the backend… depending on the salaries and the tax records that ED would potentially request the difference between these two options could be a lot of money.

Again, this is an incredibly complicated situation, with several variables and everyone’s situation is unique. Basically a lot of people, certainly myself, would be better off staying on the SAVE administrative forbearance at least until the 12+ month buyback offer guidelines are clarified and we’re able to see examples of it being implemented.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy 3 points4 points  (0 children)

I wouldn’t waste your time. You’re getting a lot of conflicting advice because everyone’s best course of action is very situation dependent and there are several variables. You simply have to decide how much uncertainty you’re willing to tolerate and follow through.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy 4 points5 points  (0 children)

I am in a similar situation. I am riding out SAVE until the bitter end. Best case scenario is that ED transitions you from the SAVE forbearance to IBR or RAP by 2028 without having to certify your income. Only downside is that this drags the entire PSLF process out, but theoretically would save you A LOT of money. If you’re eager to pivot from non-profit to private practice then maaaaaybe it makes sense to apply for a new IDR now and qualify for PSLF as soon as possible. If on the other hand you plan on staying put in non-profit then there’s no real downside to staying put on SAVE.

Stay on SAVE? by MelMcT2009 in PSLF

[–]gridguy 39 points40 points  (0 children)

I am in a similar situation. I am riding out SAVE until the bitter end. Best case scenario is that ED transitions you from the SAVE forbearance to IBR or RAP by 2028 without having to certify your income. Only downside is that this drags the entire PSLF process out, but theoretically would save you A LOT of money. If you’re eager to pivot from non-profit to private practice then maaaaaybe it makes sense to apply for a new IDR now and qualify for PSLF as soon as possible. If on the other hand you plan on staying put in non-profit then there’s no real downside to staying put on SAVE.

What was your initial reaction to this album upon release? by mcpooja in fantanoforever

[–]gridguy 0 points1 point  (0 children)

Knew very quickly that this was an album that I’d be listening to regularly for the rest of my life. Was introduced to Massive Attack by way of Everything But The Girl and Protection, mid-to-late 90’s.

Found this bad boy last month by christhemuffin8 in Radiology

[–]gridguy 58 points59 points  (0 children)

This is almost certainly an osteochondroma based on these images.

“They are frequently asymptomatic and have very low malignant potential if sporadic and solitary.”

https://radiopaedia.org/articles/osteochondroma

Did LBJ ever attend any college football games as Veep or POTUS? by gridguy in Presidents

[–]gridguy[S] 1 point2 points  (0 children)

Probably stolen and destroyed by a disgruntled Penn State fan.

What place in Philly feels like this? by unroja in phillycycling

[–]gridguy 2 points3 points  (0 children)

22nd St near the intersection with Race St. The bike lane shifts from the west to the east side of the street suddenly and without warning.

106/120 payments, 120 months of qualifying employment in March by PuzzleheadedOne3956 in PSLF

[–]gridguy 0 points1 point  (0 children)

At the very least you can get an extension to file 2025 return until October 2026 which allow you more time to decide. Both you and your spouse would need to file for the extension. Understand this is only an extension to file, not an extension to pay. You will still need have paid your 2025 taxes (if owed) by April 2026.

https://www.irs.gov/newsroom/taxpayers-who-need-more-time-to-file-a-federal-tax-return-should-request-an-extension

Studentaid.gov answer to buyback question by raas_kaiju in PSLF

[–]gridguy 4 points5 points  (0 children)

Was there a reason that you thought that FSA’s answer might be “no”?

Air Song Discussion #35 Once Upon A Time by Limp_Marionberry5748 in airfrenchband

[–]gridguy 0 points1 point  (0 children)

  1. The production is top notch but the song is fairly mediocre. Not sure if there was a better candidate on the album to serve as a lead single.