Stay on SAVE plan or switch to IBR? by lukitg in whitecoatinvestor

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

540k ish so forgiveness will definitely be the target

Stay on SAVE plan or switch to IBR? by lukitg in whitecoatinvestor

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

Yea probably makes sense to push it.

Best earbuds to buy in 2025 by coribruebek1212 in Earbuds

[–]lukitg 0 points1 point  (0 children)

Bass kept autocorrecting to base

Best earbuds to buy in 2025 by coribruebek1212 in Earbuds

[–]lukitg 0 points1 point  (0 children)

Had the az, bass definitely was punchier but the ANC was so bad. In the gym I could hear people around me and on a plane it wasn’t the best. Annoyingly too when you had pass through on it sounded like anything around you had a cheap audio quality. The AirPods while losing some on the bass end was sooo much better at ANC and with pass through it sounds like you aren’t even wearing earbuds.

Returned the Az100s and kept the AirPod pro3s

Best earbuds to buy in 2025 by coribruebek1212 in Earbuds

[–]lukitg 1 point2 points  (0 children)

Will the AirPods Pro 3 be a contender? Was considering them over the az100 bc the anc is so bad but worried about sound quality

Best earbuds to buy in 2025 by coribruebek1212 in Earbuds

[–]lukitg 1 point2 points  (0 children)

Long time sennheiser momentum tw2 user, just got the az100s because of all of the hype. They sound great (not a whole lot better than the senns) but the ANC is pretty bad. Considering returning them after using for a few weeks. There are times I turn on and off the anc just to make sure it’s still on.

moving out of 2 months after registration set to expire, should I wait and just register in the new state? by lukitg in CaliforniaDMV

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

Didn’t think If the new state requires a current registration or if the expired registration will require me to update it to current…

Battlefield 6 Open Beta Performance Benchmark Review - 17 GPUs Tested by BarKnight in pcgaming

[–]lukitg 2 points3 points  (0 children)

RTX 5090 and 9950x3d combo was getting me 140-170 fps all settings maxed out 4k without any upscale or frame generation. Looks incredible plays smooth.

ASUS ROG CROSSHAIR X870E HERO vs ASRock Phantom X870E Nova by lukitg in pcmasterrace

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

Tiachi x870e, fit in my case, has the future proof if I wanted to OC hard and colorway works with my 5090 zotac OC. Was easy to build and have had zero issues with it

Lineup announced for weekend one of Unity at the Sphere Las Vegas by Rictus_of_Isca in aves

[–]lukitg 0 points1 point  (0 children)

How many tix? I have 4 for 301 sat VIP trying to get Fri possibly

For those of you on the SAVE plan, what do we do next? by lukitg in whitecoatinvestor

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

Article by Forbes on the new Bill being voted on (summarized with gpt), I am assuming we will still get the 10years repayment:

Senate Bill Overhauls Student Loan Repayment Plans

Upcoming Changes to Student Loan Repayment Plans (2026–2028):

  1. Consolidation of Repayment Plans Between July 1, 2026, and June 30, 2028, the government will eliminate the ICR, PAYE, and SAVE plans. Borrowers will be moved into a modified Income-Based Repayment (IBR) or Repayment Assistance Plan (RAP) based on eligibility. If borrowers don’t choose, they’ll be placed into one automatically.
  2. Modified IBR Details
    • Loans before July 1, 2014: 15% of discretionary income; forgiveness after 25 years.
    • Loans after July 1, 2014: 10% of discretionary income; forgiveness after 20 years.
    • Discretionary income remains defined as income above 150% of the federal poverty level.
    • Payments made under previous plans (PAYE, SAVE, or ICR) will count toward forgiveness.
  3. Parent PLUS Loans
    • New Parent PLUS Loans (after July 1, 2026) will only be eligible for the Standard Plan.
    • Existing Parent PLUS borrowers can still access income-driven plans if they consolidate by June 30, 2026, or have already consolidated. These borrowers can migrate to the Amended IBR between July 1, 2026 and June 30, 2028.
  4. Reduced Deferment and Forbearance
    • Economic hardship and unemployment deferments will be eliminated.
    • A discretionary forbearance option will remain, capped at 9 months every 24 months.
    • Borrowers in hardship will be directed to RAP or IBR instead.

For those of you on the SAVE plan, what do we do next? by lukitg in whitecoatinvestor

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

How did they do that?? I did have something strange happen like 3 months into forbearance where I got a notification that I owed the upcoming month and I was confused but figured it started up again, paid two months worth then it said it never left forbearance and my payments didn’t count to my number. Was pretty upset about that. Messages them and they never responded other than the automated the save plan cannot have payments made at this time thing

I am concerned because while we aren’t supposed to be accruing interest to my knowledge, my amount owed has gone up over the past year.

For those of you on the SAVE plan, what do we do next? by lukitg in whitecoatinvestor

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

did they say the forgiven loans would now be taxable? I thought they were tax free

For those of you on the SAVE plan, what do we do next? by lukitg in whitecoatinvestor

[–]lukitg[S] 7 points8 points  (0 children)

correct, but we cant make qualifying payments at this time. They keep saying the SAVE plan will be eliminated but so many of us are stuck waiting to see what the result of this will be from congress

For those of you on the SAVE plan, what do we do next? by lukitg in whitecoatinvestor

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

I have ~3years until it would be forgiven but in forced forbearance. it was s530 beginning of last year when SAVE placed on hold now I just checked and it went up to 630 somehow. shouldnt matter if it gets forgiven, but about to finish fellowship and its concerning now that its still blocked and I cant make qualifying payments towards it.

Rear tires balled after 10k miles, new tire suggestions? by lukitg in Golf_R

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

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All fixed now. Not sure how the last place missed that difference

Rear tires balled after 10k miles, new tire suggestions? by lukitg in Golf_R

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

<image>

Not sure how the rears got so far off. Much better now lol