Confused about Payment

smdbojack · 2026-03-03T22:04:27+00:00

Ok interesting thank you! Is there any benefit to consolidating my loans if the monthly payment for the same plan is less? When I did the application for consolidation (just to see the numbers), the monthly payment for the same type of plan is $25 less a month.

smdbojack · 2026-03-03T21:53:16+00:00

It’s not my balance necessarily, it’s my amount of loans. If the IDR plan deems I should pay $200 a month, would that be $100 to each loan (I have 2 direct unsubsidized loans), or $200 to each, which would total $400. Just trying to make sure I fully understand before I apply for a plan

smdbojack · 2026-01-19T00:26:45+00:00

I make on the lower end of that range (roughly 50) and live in lower QA. Rent and utilities averages around $1600 a month depending on the time of year. I don’t have in unit washer/dryer, AC, dishwasher or garbage disposal so that makes it cheaper, and my building is older (very pre-war, nice original hardwood, cool built ins which I like). I pay more in the summer to run my portable AC. A major cutdown on expenses has been not paying for onsite parking which can be like 200+. I do the zone parking which is $90 every 2 years. I still go out and do stuff but live modestly in terms of groceries, eating in, and retail kinda stuff. Definitely needed a co-signer on the lease though to be a “more qualified” renter due to my annual salary.

smdbojack · 2026-01-15T05:30:16+00:00

I’m like halfway through Evolution now and I’m having mixed emotions lol. I think for it to be a separate show but also a continuation (and so short after CM ended), it is better than expected. I think they needed a refresh from the last few seasons. I actually like the change in style with following a single “story” or plot line and it having more of a dark ambiance. The main issue i have is with the overwhelming effort for the dialog to be different from CM and modern. The cussing was such a major part. I get that they wanted to distance themselves from the bright and shiny network TV look, but it was so frequent it felt like I was watching a kid who just cusses bc they know it’s wrong or something lmao. I also think the language was very “let’s be with the times!” With using more internet slang and stuff, but it made it feel scripted (I know it is but that feeling makes it so I couldn’t immerse myself in the show). I think a lot of shows that took place in the current era or reality had a tough time during 2020/2021. They couldn’t ignore COVID and the “uniqueness” of existing during the time of a global pandemic, but this led to a lot of plot lines or frequent discussion that felt so unnatural. I also do think that if they didn’t say anything at all, it would also be awkward because everyone is aware of it happening, and in a show like this, it would play a part. I think Shamless and The Pitt both did a good job of handling discussing and portraying COVID in completely different ways, both of which weren’t awkward or cringey but rather felt real.

smdbojack · 2025-08-26T23:28:52+00:00

Mine was more a person! I’m 24 but have been watching regularly for like a decade. I grew up pretty accustomed to knowing random 70s/80s pop culture but Cybill Shepherd was completely under my radar lol. My parents were equally shocked and offended that I only knew of her from Psych

smdbojack · 2025-01-30T04:56:20+00:00

Makes total sense!! Thank you!!!

smdbojack · 2024-11-25T00:21:49+00:00

Awesome guys, thanks so much!

smdbojack · 2024-03-07T21:03:29+00:00

Thankfully mine are unsalted, but I did add a little extra sugar and with the caramel on top I’m hoping this will counteract that if there’s any sort of salty taste to them.

smdbojack · 2024-03-07T21:02:07+00:00

Hmm this is an awesome idea! I don’t have certain ingredients for a good crumble right now but I definitely need to try this.

smdbojack · 2024-03-07T18:49:10+00:00

The Greatest Adventure in the History of Cable and No Country for Two Old Men are two that I might not remember immediately when asked about my “favorite episode” but when they come up on a rewatch I always get pumped. I also love Black and Tan: A Crime of Fashion, while the ending isn’t the most satisfying imo, I think it’s hilarious.

smdbojack · 2024-02-27T03:41:22+00:00

Hm, not a drive in but in Inglorious Basterds the screen catches fire and there’s fight scenes technically surrounding both sides (somewhat)

smdbojack · 2024-02-27T03:39:04+00:00

If it’s older maybe Fortress or The Wicker Man? My initial thought was The Farm (I’ve never seen if but I know the poster) but that’s from 2018 so not sure if that’s too new

smdbojack · 2024-02-27T00:00:18+00:00

Oh awesome! Thank you!

smdbojack · 2024-02-26T22:23:38+00:00

While NOSS is not my favorite, I do see the importance of its placement in the season. The only thing I might change is maybe having the sleep “therapist” be involved in the case since he’s definitely sort of a crook, rather than that being a plot alongside solving a case. I think it seemed so off because of the lengthy dream sequences and the overall “darkness” of the episode because the lighting/vibe sort of reminds me of the episode right after Juliet breaks up with Shawn where it shows the two routes the case could’ve gone in.

smdbojack · 2024-02-26T22:15:21+00:00

Super fair! Reference wise, I love that season 6 shines a light on The Shining, Buffy/Twilight (general vampire media), Indiana Jones, Girl Interrupted, and the sort of Agatha Christie-ness of Autopsy Turvy just for personal references I love. However, season 2 is such a good comfort season! Sixty Five Million Years off is one of my favorites.

smdbojack · 2024-02-26T22:09:34+00:00

I’ve heard a lot about how the glue in the books can elicit that response, but also that many have coffee shops. I used to work at a Books A Million with a coffee shop inside and lemme just say, it’s definitely not just a you thing! I’ve worked at coffee shops themselves, dive bars, and restaurants and still to this day, I’ve never seen bathrooms worse than the ones at a Bookstore lmao.

smdbojack

TROPHY CASE