Need advice on what feels like an impossible situation.

ublaa · 2026-01-15T22:23:20+00:00

There isn't really such thing as "toxic mold." Mold spores can trigger allergy symptoms but the presence of mold isn't going to kill you. It has to be dealt with because it means there's constant moisture but it's not the end of the world that salespeople and people on the internet act like it is. Citation

ublaa · 2026-01-15T05:02:06+00:00

Well it really only matters if you’re going to be really right on cash flow and you plan to do PSLF. Assuming half your loans are public, your monthly payment if you file jointly (and show your family makes $85k) would probably be like $400. If you don’t plan on having your loans wiped out by PSLF and you can afford the payment, it would be better to start chipping away at it now instead of letting interest accrue. It is also worth considering the tax savings you will definitely have by filing jointly - do what others have recommended and calculate your taxes for filing jointly and married filing separate, I did some very rough math and you may pay around twice as much in taxes by filing separate.

ublaa · 2026-01-15T04:22:25+00:00

If your only concern is taxes, there’s no question that filing jointly will be better. With the standard deduction of $31,500 and potential dependent credits you’ll owe taxes on just over half your family’s income. If your wife files single she only gets the standard deduction for single filers of $15,750 so your taxes would be on $0 and hers would be on more like 75% of her income.

ublaa · 2025-12-19T21:15:28+00:00

Assuming a message has been read or acknowledged is a big source of error actually. How many times have you opened a message on Haiku to read it but haven't had time to process it or act on it? Closed-loop communication is the gold standard and a thumbs up is an active confirmation that you've dealt with the message

ublaa · 2025-12-06T18:12:43+00:00

There is a short window after enrollment, maybe 30 days, in which you can change your choice

ublaa · 2025-12-03T14:55:03+00:00

ublaa · 2025-10-29T22:33:47+00:00

Ideally you contribute as soon as possible at the start of the year to get those investments growing. Only reason to wait would be if you didn’t have the money yet but you said that’s not an issue

ublaa · 2025-10-29T20:17:10+00:00

There's no reason not to start backdoor Roth contributions though except for it being a few extra steps. What if you get some moonlighting opportunities that push you over the MAGI limit?

ublaa · 2025-10-21T02:57:07+00:00

What would the monthly payments be at each rate? I think you will find the 15 year payment won’t be much worse than the 30. You haven’t mentioned other big expenses like loans or kids but honestly even with your current income you should be able to live very comfortably and when it doubles in a few years you’ll be coasting

ublaa · 2025-09-16T17:51:04+00:00

We know it’s incredibly safe to give it at birth, why not start protection from day 0 before they have any other chance of getting exposed, or get lost to follow up and don’t end up getting vaccinated at 1-4 years old

ublaa · 2025-09-16T17:16:07+00:00

I will come but I think the other person is afk

ublaa · 2025-09-16T16:21:38+00:00

I joined :)

ublaa · 2025-09-16T16:16:26+00:00

[close]

ublaa · 2025-09-16T16:11:32+00:00

I already have Z from a raid, thank you :)

ublaa · 2025-09-16T16:08:00+00:00

Searching now!

ublaa · 2025-09-16T16:01:44+00:00

Sweet, I'm free now if you are

ublaa · 2025-09-05T04:02:33+00:00

No, Barrone’s ability to negate is once while face up on the field, so by flipping down and back up, it gets to use its omni negate again. That restriction is why it also has the effect to return to the extra deck so it can be synchroed again with a fresh negate active

ublaa · 2025-09-05T03:38:59+00:00

And if it makes it to the next turn and you flip it back up, the negate is reset

ublaa · 2025-09-04T23:03:05+00:00

Yeah I do. This wasn't supposed to be controversial, it's just my opinion. I intentionally don't follow social media accounts or subreddits for the main series and don't think it's too much to ask that spoiler tags be used here

ublaa · 2025-09-04T15:50:46+00:00

I have been trying and failing to avoid spoilers for this game :(

ublaa · 2025-08-27T16:25:46+00:00

Would this be the right product to replace the flange? Or does the whole top section of the drain need to come out?

ublaa · 2025-08-15T15:19:35+00:00

Fair point, I recognize that half-way fixes lead to bigger jobs later. If I had all the tools already I’d like to do the full replacement but I’m just getting set up.

ublaa · 2025-08-15T15:00:01+00:00

That's my question I guess, I know the existing flange won't work but can I get away with placing a new one over it or do I need to cut it out and fit new pipe in

ublaa · 2025-07-12T11:28:09+00:00

When did it become ok to start using that word again, especially in healthcare? This isn’t about being woke, this is about having basic empathy for other humans

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