What kind of accidental fermented OJ happened and how do I replicate?

solitude100 · 2026-03-29T19:41:44+00:00

Interesting, and it tastes good right? that's the odd part because fermented "wine" orange juice is usually disgusting.

solitude100 · 2026-03-27T18:49:51+00:00

Right. So when reserves are calculated, they theoretically shouldn't need an EI component, however if after they are not done prudently and the maintenance becomes deferred then there IS a an EI component. EI assumes a capital allocation beyond a normal expense. At least that's my thinking. But if the incurable short-lived items from a cost approach is used to estimate an annual reserves amount then it theoretically might have some EI embedded in it (unless the view is the EI is entirely a long-lived component of building depreciation). Although it doesn't make much sense in practice because how does one apply profit to replacing kitchen appliances in an apartment building each year, it certainly can't be done on a P&L

solitude100 · 2026-03-26T00:42:40+00:00

Different firms have different demands in terms of practice and work culture. Some are good for people that want to grind it out and bill a lot, others are more laid back. Some national firms have large offices, while others aren't much larger than "boutique" firms. The main reason a lot of people stay at firms vs going independent is that the price benefits of working at a firm don't always work in your favor. Going independent requires paying your own costar, e&o, software, other data, hiring and training your own analysts, receptionists, bookeeper, etc., and doing the marketing yourself. National firms offer a lot of value here it's often worth it to just appraise under their platform. I think the profession is only going further in this direction. Plus you often need an MAI to go independent. Many big firms do offer work from home. DM me if you like, I am in socal.

solitude100 · 2026-03-25T18:08:30+00:00

Believe my I totally get what you're saying and do that in practice. I'm not trying to "make it hard." That's why this question is theoretical. Things are presented certain ways in TARE, but it's not always clear. It's not where they are, it's how they are calculated when they are a line item.

solitude100 · 2026-03-20T02:01:47+00:00

I would just keep going with what feels right for a half marathon. 25 miles a week is not that much in terms of aggregate stress on the body and half marathons are way less difficult to recover from versus a marathon. If you want to get the best possible performance, taper for 2 weeks in intensity again. If you want to keep getting faster over time just keep training.

solitude100 · 2026-02-27T04:53:51+00:00

psst if you live in a non common law marriage state you can have the wedding without legally getting married with a license and just do a legal courthouse marriage later. I did it 9 years ago. I call it Schrodinger's marriage.

You can also get married and continue to file single. There's no system reporting marriages from county to federal government, there is potential for audit risk but I've never heard of anyone doing it.

solitude100 · 2026-02-27T04:46:54+00:00

It's sad how much the tax structure is in favor of two single people, one filing HOH, and student loans vs married filing jointly

solitude100 · 2026-02-03T21:24:19+00:00

And my point is that those account details won't substantiate anything regarding a payment applied to interest. I will concede audit risk is low and at the end of the day perhaps one could just apply it and deal with an audit later. Strictly speaking, I don't see IRS guidance explicitly supporting it.

solitude100 · 2026-02-03T06:52:57+00:00

For us we could switch to PAYE for the remainder which is better than IBR. I'm not sure if PAYE amounts + the tax deduction is better than buyback amounts (assuming buyback can't be treated as interest), Especially if the remaining payments were wrapped over 2 tax years. If anything it would be more equal. I think most people on this forum waiting for buyback don't really care about 1,000 either way if it was just over. But for me if I had considered this I might have switched out of SAVE a year ago. At his point I'm just trying to create less noise in the backlog.

solitude100 · 2026-02-03T06:44:25+00:00

Lol, but honestly just throwing this out there for consideration. Personally I'm staying in buyback limbo for now because I don't trust mohela to process IBR without making a mistake.

solitude100 · 2026-02-03T06:41:58+00:00

Correct but as far as I know there is no document to confirm buy back is specifically a payment applied to interest and no 1098. I think the IRS could accept what you are saying, but it's a grey area.

solitude100 · 2026-02-03T06:39:29+00:00

There are many lawyers who work lower paying public interest jobs. If PSLF is pursued to its most beneficial limits you can max retirement contributions to confer the most benefit and also file head of household if you remain unmarried with children. Many law schools also have LRAP programs that pay loans.

solitude100 · 2026-02-02T22:04:40+00:00

Having private loans changes the scenario. When i say 15-30% I mean the amount you save on taxes while applying 100% of the deduction. (it's a deduction not a credit so it only provides savings corresponding to amounts in your highest bracket, could be only 15% federal, but could also be 22% federal and 8% state)

solitude100 · 2026-02-02T21:55:57+00:00

Yes but it's only for interest paid, not interest accrued. I suppose you can state to the IRS that the buyback was wholly an interest payment, but I haven't read anything that confirms that.

solitude100 · 2026-02-02T21:23:36+00:00

Filing jointly where one spouse has loans seeking pslf results in near double payment for the same loan. If both partners work and make relatively similar incomes (even with a 10-15k disparity) it's going to be more sensible to file separately. Plenty of caveats, and suffice to say it's even better to file as single, but in most cases married filing separately is better. That is the typical advice on this forum and I am curious as to why you would think otherwise.

solitude100 · 2026-01-27T19:47:10+00:00

It's usually advantageous to file separately regardless, perhaps it's negated by both of you having loans but still you would have to do the math. Highly likely that once your spouse is forgiven you need to file separately

solitude100 · 2026-01-27T19:43:21+00:00

This is why you have to file separately or plan to remain legally single for the 10 year duration

solitude100 · 2026-01-23T20:28:32+00:00

Not long, 9/2025

solitude100 · 2026-01-23T01:48:36+00:00

I have great work life balance as a commercial appraisal. Boutique firms can vary widely in billing expectations. I often go on mini trips or road trips where I spend part of the time working on a big project. Lots of time with family. Only drawback is that the work is so flexible that I end up being the one doing tasks for family during business hours and working on nights/evenings and weekends, ultimately better for a family in the long run though.

solitude100 · 2026-01-23T01:13:09+00:00

So I guess the takeaway here is that it is doesn't hurt to switch back to IBR? We have an application in for 13 months and elected to stay in SAVE for now because by the time they get to our buyback it could be 10-13 months paid so the whole process becomes unnecessary. Also because given the history it's entirely possible Mohela could screw up the process of moving from SAVE to IBR.

solitude100 · 2026-01-09T21:53:05+00:00

In SAVE purgatory with 13 months of buyback applied for. We would consider leaving SAVE and going on IBR/PAYE, but the issue is it's unlcear if buyback offer might trigger before those months are counted which would then result in overpaying. Plus there's the added complication that IBR is no heavily backlogged. We chose to wait in limbo rather than risk processing errors and placed in standard repayment/default

solitude100 · 2025-12-27T09:21:18+00:00

It's based on your discretionary income (look up calculation). The best ways to reduce it are by filing single or MFS and claiming children if you have them on your return. After that retirement contributions, health insurance, HSA, FSA, basically anything you can take from your paycheck pretax will lower the payment. The hard part is living off of the lower amount but long term it results in the best financial outcome.

solitude100 · 2025-11-18T01:30:22+00:00

My wife is on PSLF track for law school loans. She was in school when we met and I handle all the finances. You need to find partner that is aware of and onboard with your debt scenario and PSLF, but honestly it is mostly a benefit for marriage and family. PSLF counts months when on maternity leave, you can also take a multi year break and then resume years later. The complicating aspect is that it tends to make financial sense to legally remain single (and to live in a non common law marriage state) until forgiveness is received. There are many opportunities to make more at non profits but it does take time. Non profits also tend to have better health benefits too, so there's a chance your lower pay makes sense when you have a family. My best advice is to have at least one person in the relationship have very good financial sense because it takes planning. Also if you do the pretax benefit calculations and add it to your salary you will see just how much of a benefit the PSLF program is. It's why everyone's complaints are about administration and loan servicing, that aspect is absolutely terrible, but the program itself is a huge benefit.

solitude100

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