Podcasts about IBR

Public records obtained by economist Joe Cortright reveal the Interstate Bridge Replacement Program allocates $320 million to TriMet's Ruby Junction maintenance facility in Gresham — 20 miles from the bridge — while the overall IBR price tag has ballooned from $3.2 billion to potentially $15 billion. Rep. John Ley of the 18th Legislative District breaks down the numbers and questions who is accountable. https://www.clarkcountytoday.com/opinion/opinion-the-ibr-shell-game-for-trimet-at-ruby-junction/ #IBR #TriMet #RubyJunction #Interstatebridge #Transportation #ClarkCounty #WashingtonState #LightRail #Opinion #Politics ---

One student loan decision in the next few weeks could cost — or save — a physician six figures. On May 1, 2026, the Department of Education finalized the 134-page rule rewriting federal student loan repayment.  Dr. Jimmy Turner goes solo to break down what changed and the moves that protect six figures. What you'll learn: Why the July 1, 2026 cutoff decide whether you keep IBR at all The consolidation trap that can permanently lock residents out of IBR The RAP interest subsidy that keeps a $300K balance from ballooning during residency The RAP-to-IBR playbook for PSLF: which payments count, and when to switch Married or in a community property state? How filing separately changes the math Resources: Every doctor needs their own occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability  Have private loans? You should refinance those to the interest rate you can find. To do that, check out Juno: https://moneymeetsmedicine.com/JUNO Looking for a new CPA? Use the one Jimmy uses (Gelt). Get a 10% discount when working with them here: https://moneymeetsmedicine.com/CPA Looking to save $100 on a student loan consult? Visit moneymeetsmedicine.com/loans Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

61% of Americans now fear running out of money in retirement more than they fear death itself. Half of all U.S. households approaching retirement are at risk of falling short of their current standard of living.This week on Money On Tap, Ben Brayshaw and Dan Michelon sit with the topic that shows up in the conference room more than any other these days: retirement anxiety — and why so many Americans feel unprepared.What you'll learn:The five fears inside retirement anxiety — and which one most plans don't addressWhy retirement is structurally more anxious today than a generation agoThe Honeymoon, the Shock, and the Reframe — the three phases of every retirementWhy men, executives, military, and first responders are hit hardest by the identity lossThe new 100% income rule (the old 60–70% rule of thumb is dead)The six-part income plan that actually reduces anxietySequence-of-returns risk — and why the first five years of retirement determine everythingSocial Security in 2026: 77% benefit, $1.5T bipartisan proposal, what it means for youWhy phased / consulting retirement is the underrated soft landingThe emotional plan nobody writes down — hobbies, friendships, purpose, marriagePlus Money In The News:Can the stock market save Social Security? A $1.5T bipartisan proposal from Cassidy and KaineFord stock surges on a $2B (becoming $10B) pivot to stationary energy storage with CATLStudent loan changes hit July 1 — payments rising $300–$350/month under IBR and RAP plansFree resource: Email us with "Retirement Anxiety white paper" in the subject and we'll send the companion document.Read the companion blog: brayshawfinancial.com/blogSchedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsultaFull Money On Tap episode library: brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhy do Americans fear running out of money more than death? A recent Allianz survey found that 61% of Americans fear running out of money in retirement more than they fear death itself. The shift reflects structural changes: pensions have largely disappeared, 401(k)s placed the risk of retirement success on individuals, life expectancy has stretched, inflation has accelerated, healthcare costs are rising, and Social Security is on track for a benefit cut. The fear is rational — and the planning response is to build a multi-source income plan rather than to hope a portfolio alone is enough.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.The Department of Education just released its final rule implementing the federal student loan changes we've been tracking over the past couple of years — and while most of it lines up with what we expected, two surprises stood out. In this episode, we recap how we got here (the official end of the SAVE Plan and the sweeping changes from the One Big Beautiful Bill Act), break down the income-driven options ODs have going forward, and dig into the two surprises in the final rule that could affect your repayment strategy.If you have questions about navigating these decisions alongside the rest of your cash flow, tax, and practice planning, reach out at podcast@optometrywealth.com.What You'll Learn•Why the SAVE Plan is officially dead and the 90-day decision window for borrowers still in SAVE forbearance•How the One Big Beautiful Bill Act splits borrowers into two groups based on the July 1st date•Why consolidating your federal loans right now could restrict your repayment options•The difference between old and new IBR — and which ODs qualify for each•How the new Repayment Assistance Plan (RAP) works, including its payment calculation and 30-year timeline•The first surprise: new restrictions on who can enter Pay As You Earn before it sunsets in 2028•The second surprise: how RAP payments are (and aren't) treated for forgiveness under IBRKey TakeawayJuly 1st is the date to circle. Whether you're deciding how to exit SAVE forbearance, weighing a consolidation, or trying to lock in Pay As You Earn before new restrictions hit, the window to act on your best options is closing — and the right move depends heavily on your specific path toward forgiveness or payoff.ResourcesPodcast Ep. 152: Listener Q&A: Practice Ownership, Backdoor Roths, and Student LoansPodcast Ep. 151: How Filing Taxes Separately Impacts Student Loan Outcomes for OptometristsEp 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!Want a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

Shahadat of Muslim Bin Aqil (AS)May 26th 20269th Dhul Hijjah1447The days of Ḥajj reconnect believers to the legacy of Nabi Ibrāhīm (a), whose life of sacrifice and submission became the foundation of Islamic worship and identity.Nabi Ibrāhīm (a) is mentioned 69 times in the Qur'ān, and an entire chapter is named after him, highlighting his central role in divine history.The journeys of Ibrāhīm (a) from Babylon to Syria, Palestine, Egypt, and finally Makkah reflect a lifelong struggle for tawḥīd and obedience to Allāh.Judaism, Christianity, and Islam all trace their spiritual roots back to Ibrāhīm (a), making him the father of the monotheistic faiths.Islam is described in the Qur'ān as “Millata Abīkum Ibrāhīm” — the religion and path of your father Ibrāhīm — emphasizing complete devotion to Allāh.The du‘ā of Ibrāhīm (a) and Ismā‘īl (a) while raising the Ka‘bah asked Allāh to make their descendants true Muslims, fulfilled ultimately through Prophet Muḥammad (s) and Islam.True Islam means total submission to Allāh in every aspect of life: personal, family, social, political, and financial — preferring divine guidance over personal desire.Ibrāhīm (a) demonstrated uncompromising faith by rejecting idol worship, migrating to preserve religion, leaving his family in the barren desert of Makkah, and preparing to sacrifice his son solely for Allāh's pleasure.Muslim bin ‘Aqīl stands as a living example of true īmān and Islam: unwavering belief in Allāh, Rasulullāh, and the Ahlul Bayt (a), combined with sacrifice in the path of truth.Imam Ḥusayn (a) called Muslim bin ‘Aqīl “my brother, cousin, and trusted one from my family,” showing the immense trust and status he held in the mission of Karbalā'.Thousands in Kūfa initially pledged allegiance to Imam Ḥusayn (a) through Muslim bin ‘Aqīl, but fear and political pressure from Ibn Ziyād caused the people to abandon him one by one.Muslim bin ‘Aqīl's loneliness reached its peak when hundreds who marched with him disappeared by Maghrib, leaving him completely alone after ṣalāh.In the neighborhood of Kindah, exhausted and betrayed, Muslim sought refuge at the home of Ṭaw‘ah, where he confessed: “The people deceived and abandoned me.”Even in captivity, Muslim's final concerns were fulfilling debts, receiving burial, and warning Imam Ḥusayn (a) not to come to Kūfa — showing responsibility, loyalty, and sincerity until his last breath.The tragedy of Muslim bin ‘Aqīl — denied water, martyred on the roof of Dār al-Imārah, and his body dishonored afterward — foreshadows the suffering of Imam Ḥusayn (a) and the thirst of Sakīnah (a) in Karbalā'.Donate towards our programs today: https://jaffari.org/donate/Jaffari Community Centre (JCC Live)

Joe Cortright of City Observatory argues the IBR's own investment grade analysis — produced by Stantec at a cost of $2.3 million — shows I-5 bridge traffic dropping from 127,000 vehicles daily to about 77,000 under $4.60 tolls, with tens of thousands diverting to I-205. IBR officials call the numbers "too conservative," but Washington's own toll projects — SR 520 and Tacoma Narrows — both fell far short of their investment grade predictions. https://www.clarkcountytoday.com/opinion/opinion-investment-of-grade-forecasts-actually-over-estimate-future-traffic/ #I5Bridge #InterstateBridge #IBR #Tolls #Transportation #ClarkCounty #Vancouver #WashingtonState #Opinion #Infrastructure ---

If you had an extra $50,000 to invest into your ranch today… what's the smartest way to use it? In part two of this special roundtable discussion, Zach Hopson, Dallas Mount, and Paul Foster discuss the worst ways to spend money, when equipment actually makes sense, paying down debt versus keeping cash available, and how ranchers are beginning to use AI and technology to improve decision-making, grazing management, and overall business efficiency. A practical conversation about deploying capital, managing risk, and building a stronger ranch business while cattle markets remain strong. Plus, a conversation on the first and only intranasal BRD vaccine offering protection against IBR, BRSV, PI3, Pasteurella multocida and Mannheimia haemolytica... and it's safe to use in calves 1 week of age and older. #workingranchmagazine #WorkingRanchRadio #ranching #ranchlife #cowcalf #cattle #livestock #ranchbusiness #ranchprofitability #agtech #virtualfencing #AIinAgriculture #riskmanagement

Douglas Tweet of Camas argues IBR's own FSEIS data shows the recommended one-auxiliary-lane design fails to reduce congestion, while a two-auxiliary-lane design reduces northbound congestion by 31% and cuts travel time by 60%. He says the $15.2 billion project devotes half the bridge to modes used by just 2.3% of travelers. https://www.clarkcountytoday.com/opinion/letter-i-5-bridge-eliminate-light-rail-include-two-auxiliary-lanes-each-way-instead/ #I5Bridge #IBR #LightRail #Transportation #ClarkCounty #Vancouver #Camas #WashingtonState #Opinion #TrafficCongestion

Howard Penrose of MotorDoc joins to discuss current signature analysis, uptower circulating currents wrecking main bearings, and full drivetrain scans in minutes. Reach out at info@motordoc.com or on LinkedIn. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Howard Penrose: [00:00:00] Welcome to Uptime Spotlight, shining light on wind energy’s brightest innovators. This is the progress powering tomorrow. Allen Hall: Howard, welcome back to the program.  Howard Penrose: Hey, thanks for having me.  Allen Hall: It’s about time everybody realizes what motorDoc can do. There’s so much technology, and I’ve been watching- Yeah … your Chaos and Caffeine podcast on Saturday morning, which are full of really, really good information about the motorDoc as a company, all the things you’re doing out in the field, and how you’re solving real-world problems, not imaginary ones- Yeah real-world problems. Oh, yeah. Yeah, and  Howard Penrose: whatever annoys me that week. Exactly. And, and whatever great coffee I’m trying out. Yes. Except for a few. We’ve had the ReliaSquatch down our- Yes … um, a couple of times. Uh, yeah, no, I, I enjoy it, and we gotta get you on there sometime. I don’t do- I, it- … a lot of interviews other than an AI character we put in. Allen Hall: It’s a very interesting show because you’re [00:01:00] getting a little bit of comedy and humor and s- Yeah … and a, and a coffee review, which is very helpful because I’ve tried some of the coffees that you have reviewed, that you’ve given the thumbs up to. But if you’re operating wind turbines and you’re trying to understand what’s happening on the drivetrain side, on the generator, everything out to the blades even, main bearings, gearboxes- Yeah all those rotating heavy, expensive parts, there’s a lot of ways to diagnose them-  Howard Penrose: Yes …  Allen Hall: that are sort of like we can look at a gear, we can look at a joint, we can look at roller bearings, whatever, but motorDoc has a way to quickly diagnose all of that chain in about- Yeah … 15 seconds.  Howard Penrose: Well, a little longer than 15 sec- more like a minute. A minute, okay. It feels like paint drying. But- Uh, in any case, yeah. Uh, uh, and, and what’s kind of funny is, um, back in the ’90s, uh, EPRI actually accidentally steered the technology away from its [00:02:00] core purpose, which was in 1985, um, NAVSEA, the US Navy, had done research on using current signature analysis for looking at pumps, fans, and compressors, the bearings, the belts, the components, all the rotating components using the motor as the sensor. Not too much different than we are now. I mean, mind you, we got better resolution now, we’ve got, uh, more powerful– I mean, I look at my data from the ’90s, and now it’s completely different. Um, and then Oak Ridge National Lab, same thing, bearings and gears in motor-operated valves. So in 2003, we were the first ones to apply electrical and current signature analysis to some wind turbines in the Mojave Desert. Wow. Yeah. So, um, nobody had tried it before. Everybody said it couldn’t be done. And, uh, that was a bad thing to say to me because- … it meant I was gonna get it [00:03:00] done. Right. At that time, um, we were looking at bearing issues and some blatant conditions with the, um, with the, uh, generator using a technology called Altest, ’cause I was with Altest at the time. And, uh, I had taken an EMPath software and blended it with a, a power analyzer, and they still have that tool to this day. I was using that technology all the way through 2015. 2016, I should say. And then- And then switched over to the pure EMPath, which was more of an engineering tool. And then more recently, in 2022, uh, made the decision to ha- to take all the work we’d done on over 6,000 turbines, uh, looking at how we were looking at the data and what we were doing on the industrial side, and took a, uh, created a current signature analyzer that would do one phase of current to analyze the entire powertrain. Allen Hall: So when you tell [00:04:00] operators you can do this magic, I think a lotta times they gotta go, “ Howard Penrose: What?” Oh, yeah, yeah. They don’t understand it because they’re used to vibration- Right … which is a point analysis system. Right.  Allen Hall: Vibration at this- Yeah … particular location. Yeah. One spot- Even if it’s- … or a couple  Howard Penrose: spots triax, they’re reading through material, up through a transducer. Hopefully, they put it above the bearing and not in the middle of the machine like everybody is now, because everybody’s trying to sell a sensor. Right. True. They’re not selling a- they’re not selling accuracy. They’re just selling sensors. Right. So, um- Yeah … you know, uh, I, I’ll, I’ll even talk about one of the companies here. We’ve got Onyx here, and they do it right. I mean, they’ve been doing it right pretty well because we’ve been doing some of the same towers they’re on, and we can match the data they’re getting. Oh, good. Right? Yeah. Uh, so but they get it in multiple spots, and there’s areas they can’t quite reach, so we’ll detect those areas as well. So it’s a good melding of two technologies.  Allen Hall: Oh, sure. Sure,  Howard Penrose: sure. You know what I mean? Yeah, yeah, yeah. So when you have electrical signature and you have vibration, but in [00:05:00] cases if you don’t have vibration, we’re a direct replacement.  Allen Hall: Because the generator- I  Howard Penrose: dare say that.  Allen Hall: Yeah. Whichever–  Howard Penrose: I dare say that, um, with- Well, the  Allen Hall: generator is acting as the sensor. Howard Penrose: The air gap. The air gap in the generator s- specifically, yes. Yeah. Generator, motor, transformer. Right.  Allen Hall: Yeah. So any of those- Mm-hmm … you can clamp onto, look at the current that’s on there. Everything that’s happening on the drivetrain, in the gearbox, out on the rotor- Yep … main bearings, all of that creates vibration. Creates a torque. T- a, a torque. Yeah. Yes, more exactly a torque. Yeah. And that’s seen in the generator, in the current coming out of the generator. Yes. So those signals, although minute, are still there. Yes. So if you clamp onto that current coming out of the generator, you’ll see the typical AC sine wave sitting there. But on top of that- Is all the information about how that drivetrain is doing  Howard Penrose: Absolutely, and everything else. Anything electrical comes through [00:06:00] that. So what you do is just like vibration, you do a spectral analysis. So every component has a frequency associated with it, just like vibration. It’s, as a matter of fact, I, I keep having to try to explain to people electrical and current signature analysis is no different than vibration analysis. It’s the same concept. We use the same tools. The signature looks just a little different. It’s a little noisier, um, but you need that noise in order to see everything. But we have a time waveform, and instead of, um, inches per second or millimeters per second, whatever, you know, uh, velocity, acceleration, and displacement, uh, what we end up with is decibels is the optimal method. You can look at straight voltage signatures at those points or, or current signatures, but the values are so small that you have to look at it from a logarithmic standpoint. Right. There are some benefits to it versus vibration, and there’s some things that aren’t as good as vibration. [00:07:00] So, you know, we, we do… You have to… Any technology is gonna have their strengths and weaknesses. Sure. So we will see everything all at once. Load doesn’t matter. Right. Speed doesn’t matter. It’s… Only reason speed matters is the location of the frequencies. Uh, so the higher the resolution, meaning the longer you take data, the less chance you have on a lightly lo- loaded machine of blending the peaks together. Right. Um, on the flip side, if I have two bearings turning at the exact same speed, I couldn’t tell you which one it is. Because they’re the same. Right.  Allen Hall: And the mechanical features of that bearing is w- what creates the signal that you’re measuring. Exactly. So if a bearing has five rollers versus 10, just imaginary thing. Yeah, yeah. Five rollers versus 10 has a different electrical signature, so you can determine, like, that bearing, that 10 roller bearing- Yes … has the problem, the five is fine. Yes. Yeah. That’s the magic, and I think people don’t translate the mechanical world into the electrical world. That that’s what’s [00:08:00]happening. They,  Howard Penrose: they don’t because, because what’s happening is they named it wrong.  Allen Hall: Yes.  Howard Penrose: A majority of our users are mechanical folks. Sure. Our vibration analysts and stuff like, ’cause they know how to look at the signatures. Right. Everybody tries to force it on their electrical people, and electrical people go, “We don’t know what this is.” Yeah. And it’s, it’s, it’s a matter of that training and, and, you know, in the electrical world, you’re not taught to look at that. Right. Yeah. It doesn’t matter. Mechanical world, you’re taught to look at that. So our intern, we were trying to bring in electrical engineering interns and found out that just wasn’t working. So last year, I brought in my first, uh, intern that’s, you know, he’s been with us now since I brought him in. Okay. Uh, and, uh, Amar, and, uh, you know, he’s helped us develop our vi- uh, vibration software to go along with it. Guess what? It’s the same thing. It’s the exact same sy- system Um, but we just take in a vibration signal instead. But he picked up on it immediately as a [00:09:00] third-year college student. I can take somebody with a decade as an electrical engineer with a PhD and they can’t figure it out.  Allen Hall: Well, because you’re, you’re taking real- Because it’s different. Yeah. It’s r- well, it’s real-world components-  Howard Penrose: Yeah …  Allen Hall: creating electrical signals. That’s hard- Well, you have- … to process for a lot of people. Yeah,  Howard Penrose: yeah. It’s  Allen Hall: just not  Howard Penrose: something that we do every day. But that’s… If they, i- if we sa- i- i- if you’re looking at vibration and you start looking at the sensor, it gets complicated too, ’cause guess what? It’s an electrical signal. Right. It’s, it is technically electrical signature now. It’s converting a  Allen Hall: mechanical signal- Right … into an electrical signal, which is what’s happening in the generator anyway. Yeah.  Howard Penrose: Whether it’s a piezoelectric cell that’s generating a small signal- Yeah … on top of a small waveform that you then take out, you demodulate, uh, or it’s, uh… So you take that carrier frequency out, or it’s a MEMS sensor, which is the same thing. You know, the, it just sees some slower s- It, it does more of a digital output. So you, you, you know, you have those, or you [00:10:00] have this, which just basically uses a component of the machine to, to, as its own sensor. There is one other difference between them, too, and, uh, I find this very useful when I’m going out troubleshooting something that other people can’t figure out, uh, ’cause we use all the technologies. So in this case, it would be, uh, the structural movement. Okay? So, so say I have a generator and there’s something wrong with the structure, and the whole machine is vibrating. So y- well, if I put a transducer on it, they might think that’s vibration or something else. We don’t see it. Right. We only see directly exactly what’s happening with the machine. Sure. So a lot of times when we go in to troubleshoot something that people have done vibration on and everything else, it’s been pro- a, a problem for them for years. We walk in, and all of a sudden we’re identifying whether it’s the machine or it’s something else right off the bat. Then we can take a look at the vibration data and [00:11:00] say, “Okay, it wasn’t the bearing or the bearing, um, structure. It was, you know, the mounting.” Right. It wasn’t  Allen Hall: fastened  Howard Penrose: down properly. Yeah,  Allen Hall: yeah. Right.  Howard Penrose: Go tighten that bolt. Right, exactly.  Allen Hall: Well, I mean, that’s the cheap answer. Yeah. I’d rather tighten a bolt than rip apart a motor or a generator- And, and- … every day …  Howard Penrose: and that’s the whole point. Now, there are other strengths that go with it. So for instance, on the powertrain of a wind turbine, I can tell you if you’ve lubricated the bearings correctly. Wow. Because part of what we do is we do take those electrical signatures, and we convert those over to watts. Watts is an energy conversion. Sure. So you see that as heat or some type of loss. So whatever, whatever’s being lost there is not being sent to the customer. To the outside. Right. Making money. So, um, if I’m taking a look at, say, a main bearing, I might see watts or kilowatts of losses. So you’re gonna have some ’cause you have friction, right? But when we see it increase on, say, a roller, [00:12:00] or the rollers, or, or the cage, that’s usually an indicator that I have a lubrication issue. Or if we only see it on the outer race, that means that they didn’t clear out all the old grease when they were lubricating it, ’cause the rollers then have to ride across it- Right … ’cause it dries up.  Allen Hall: Sure.  Howard Penrose: Uh, and will carry contaminants. So if you see that, you go up, clean it up, you’ll extend the life of the bearing. Absolutely you will. Without having to do a lot of work. So, uh, we, we look at our technology as more so early in the, in the stage of a condition. I don’t wanna call it failure, ’cause it’s not a failure. It’s something that’s mitigable. And I made that word up. You can mitigate it. Meaning you can go up and correct it and extend the life of that component. Sure. Uh, in gearboxes we’ll see problems with, um… Well, the, the one we’re talking about here a fair amount is all the circulating currents going on uptower. We did that research. The current signature analyzer we have is a direct result of doing wind turbine [00:13:00] research just on circulating currents uptower, ’cause we conferred everything over to, to sound at 48 kilohertz. And so that gives me a 24-kilohertz signal. That high-frequency stuff, which we’re researching in CGRE, and IEEE, and IEC, is called supra harmonics, which I– we talked about that before. Yes, we have. Yeah. And, uh, so when you start seeing that in the, in, in the current that’s circulating uptower because the ground that goes from the top of the tower down is for- DC lightning protection. And lightning protection, yeah. It’s not meant for, um- Not for  Allen Hall: high frequency- Yeah …  Howard Penrose: currents. Yeah. Uh, we, when we measured it, when we mapped out dozens of towers of all different manufacturers, we found that the impedance about halfway down the tower is where it ends. Sure. The, the resistance. And then the increased, uh, the high-frequency noise turns any of your shaft brushes into resistors. And at about 15 kilohertz, no current is [00:14:00]passing through them. It’s all passing the bearing, which becomes more conductive the higher the frequency. So with 60% of main bearings failing due to electrical currents, it’s actually currents that are circulating uptower. It’s not static. There is some static up there, but it’s not static. It’s coming from the controls, the, the generator, and everything else. Inverters,  Allen Hall: converters.  Howard Penrose: And we’ve seen up to 150 amps passing through a, through a bearing.  Allen Hall: So I– We run across a lot of operators who have been replacing main bearings, and they don’t know the reason why. Yeah. And I always say, “Well, call Howard at MotorDoc because I would almost bet you you have the f- high frequency running around uptower in the nacelle- And the next main bearing you put in there is gonna go the same way as the- Yeah … first one you put in there. Until you cut off that circulating current and then the cell, you’re just gonna continue with the problem. Then you haven’t eliminated the problem, you’re just fixing the result of that problem. Yes. But it takes- Yeah, you’re, you’re- How, [00:15:00] how, well, how long- You’re replacing  Howard Penrose: a fuse.  Allen Hall: Right, you’re replacing a fuse. Yeah. How long does it take you to s- to determine- An expensive fuse. Yeah. Yeah. Oh, yeah, ’cause you’re taking the rotor down. Yeah. Well, how, how fast can you determine if you have harmonics uptower that are gonna be causing you problems? 120 seconds.  Howard Penrose: Okay.  Allen Hall: So that’s the thing. I think a lot of- I mean,  Howard Penrose: that’s of the actual data collection time. So you clamp on uptower, uh, and then you can… Well, the way we have it set up now, you just tell it you wanna collect data every five s- uh, five minutes, and then you go downtower, let it collect its data, go back up, grab it. Um, it’s like… It’s huge. It’s this size. So, um, and then you connect- It plugs into a laptop. Yeah. Plug it into a laptop or any type of tablet. Um, it, it’s Windows now. I’m trying to get away from Windows. We’re gonna have Linux systems, uh, as well. Uh, and then you use that to, um, just collect that data, and then you press another button. Now it pops up, and it tells you if you’re in danger or not, [00:16:00] the amount of current passing through the bearing, and the frequencies all the way out.  Allen Hall: So the ideal is you’re gonna have this kit with you in the truck. Yeah. And as you see these problems pop up, you’re gonna clamp on uptower. Yep. You’re gonna measure these circulating currents, and you’re gonna know immediately if you have another mechanical issue, a, a lubrication issue- Oh, yeah. It’ll look at- … some kind of alignment issue, or- You’ll get all  Howard Penrose: of this information at once. So you- Right … if you go on the power side. So certain turbines, like anything that has the transformer downtower, you don’t have to climb. Right. GE. I mean, I don’t climb. So, uh, uh, you know, th- and that was part of the, the concept behind when we started down this path because I’ve been in the wind industry since 1997. So one of the things I always saw was, and, and we talked about even, you know, here when it was called AWEA, and we were talking always on the health and safety side about wearing out the technicians. Um, so we discovered that, you know, what was it? Almost 60% of the [00:17:00] turbines you didn’t have to climb. Right. Oh, yeah. And even the ones you do, you go up, you set it up, and it’ll tell you where you need to focus. The other thing in the powertrain, let alone the generator, when we do a sweep of a site– Now, if we do a straight electrical signature analysis, I’d term that one as a technician’s tool. Sure. That’s more of an engineer’s tool. Uh, a lot more data, a lot harder to set up. But even though I’m saying harder to set up, it’s still pretty easy. It’s still minutes. Right. Yeah. Most technicians will collect data with, like, a couple hours worth of training. Yeah. You g- You basically gather that data, and if you’re getting a site, so we’ll go out– I love going out in the field. So we’ll go out in the field, especially if it’s a tower we don’t have to climb I’ll knock out, uh, well, let’s just say I’ll, I’ll, I’ll name one. Say a GE 1.6. I’ll knock out one of those every eight to 11 minutes, depending on how you get to the tower.  Allen Hall: So that’s a full diagnosis of drivetrain- Yeah … plus anything odd happening- Yep with circulating currents and all that [00:18:00] can- Oh, no, no. Circulating- Or just- … current, that’s a- That’s a separate thing at tower … separate study that- Okay … you have to do that uptower. But anything, anything drivetrain-wise, you can be in and out- Yeah … in a couple of minutes. Yep. Okay. So there’s a lot of operators that have end-of-warranties coming up, right? Yes. There’s been a lot of developments, so they’re kind of running into the end-of-warranty, and they don’t know the health status of their drivetrain. Same thing for a lot of operators that are in- Yep … full service agreements, and they’re questioning whether they’re getting their money’s worth or not. Yes. I always say, “Call Howard at Motordoc. You guys can have a whole site survey done maybe in a couple of days, and you will know all the problems that are on site for the lowest price ever”. Yeah. It’s crazy how fast you can do it and how accurate it is. I talk to operators that use your system, so I hear you. Yeah. Your podcast, listen to your podcast, I’m calling your customers to find out what they say, and they love it. Oh, yeah. They can’t believe how accurate it is. Yeah. Well, the thing about that is we as an industry need to make sure that our turbines are operating at [00:19:00] maximum efficiency. Yep. And if a simple tool like the Motordoc EMPath system exists, we need to get customers, operators in line to start doing it worldwide. Australia- Oh … Europe-  Howard Penrose: Yeah. We- … Canada. Australia, we’re trying to get into, but right now we even have OEMs using it through North- That’s good … and South America, Asia. Good. Uh, Middle East, um, and, uh, and some of Europe. Good. So it’s, it’s, it’s really taking off. Uh, I’d say probably our biggest market right now is Brazil. Sure. They’re going crazy. Well, the, the turbines are- They’re having a lot of problems. Yeah.  Allen Hall: Right. And the, well, those turbines have a h- high usage, right? So because- Oh, yeah … the winds are so good, they’re operating at, like, capacity factor is above 50%. Yes. It’s insane. Yeah. So there’s a lot of wear and tear. There’s no downtime for those turbines.  Howard Penrose: Yeah. Well, and, and people think it’s all the starting and stopping. It’s not. No. It’s a grid-related issue. So we have- Sure … we have a low frequency. And you know some of the stuff I volun- I, I’m, I’ve been volunteered for- [00:20:00] Yeah … uh, including the CIGRE thing. Um, so I get to sit in the grid code committees for IEEE and put my, and our input into that, uh, and kind of watch the back of the IBR industry, right? Mm-hmm. ‘Cause there’s a definitely bias against our industry. Um, and I also, uh, get to hear what’s going on in the grid side of things from CIGRE worldwide, and it’s all very similar, and it has to do with low-frequency oscillating currents- Yes … called subsynchronous currents- Yes … which are low enough not to damage large synchronous machines. And they thought, and there’s books written on this, by the way, multiple books written on wind turbine impact- Uh, and they’re seeing now, um… Well, we detected it first, along with Timken. Hank, uh, and, and I went out to a site, and we detected for the first time, because of how they wanna do the testing and where the site was located, we saw the oscillating torque [00:21:00] in the air gap, ’cause that’s one of the things the technology does. It actually measures the torque, air gap torque. Sure. So we were watching the oscillating torque as a tower started up. And so we did, we went through the rest of that site looking at the same stuff in the same way. It increased our time and data collection, and time on site. But then we started looking for it at other sites, and going to pass data because I don’t have to go back and retake data. Right. And we’re like, “Oh my God. It’s everywhere.” 16 hertz, 21 hertz, and 50 hertz. And we found a paper that specifically identified that as the sub synchronous frequencies for 60 hertz. So we know what they are also for 50 hertz. Once we identified that and we saw how much the torsi- torque was oscillating, we worked with Shermco, who got us some information on Y-rings that were failing. Yeah. And they were all failing… When the metallurgy was done, they were all failing from fatigue. And you’re like, fatigue how? What’s fatiguing these connections? [00:22:00] Well, the fatigue is that air gap torque- Exactly … because you’re basically causing the, the, everything to oscillate a little bit, and that causes the windings to move slightly. It’s a living,  Allen Hall: breathing machine-  Howard Penrose: Exactly … this generator  Allen Hall: is.  Howard Penrose: Yeah.  Allen Hall: It’s not  Howard Penrose: static. It’s definitely not sta- no electric machine is static. No. Even a transformer’s not static. Right.  Allen Hall: So- There’s a little  Howard Penrose: bit of wiggle going on there all the time All the time. And it’s minute, so it takes a long time. Right. And what, uh, uh, everybody… Well, first people thought it was a particular manufacturer, which it wasn’t. Turned out every defig’s failing the same way. Sure. You’re fatiguing it. Yeah. Every bearing is failing the same way, even in the gearbox, main bearings, and everything else. Right. All of these conditions are happening across all the OEMs, but they’re not allowed to talk. Well, this is, this is the thing that  Allen Hall: I like watching your podcast.  Howard Penrose: Yeah.  Allen Hall: The Chaos and Caffeine. It comes out Saturday mornings. It’s on YouTube. If you haven’t- Yeah … clicked into it, you should click into it  Howard Penrose: because a lot of these issues are discussed there. It’s definitely, um… [00:23:00] Let’s just say I’ll speak Navy quite a bit. Allen Hall: It’s a great podcast, and I think what you’re doing with the EMPath system- Yes … at motor dock is really a game changer. Yeah. I’m talking to everybody, all the operators I know. I keep telling them to call you and to try the system out because it’s so inexpensive and it does the work quickly and efficiently, and it’s been proven. There’s no messing- Oh, yeah … around when you’re talking to MotorDoc. I…  Howard Penrose: Somebody dared tell me that there’s no standard for it. There’s ISO standards for it. Yes. There’s IEEE 1415- Yes … which I chair. Uh, and there’s other standards coming out- This is- … associated with it. And there’s a document that I also chair for Sea Gray- Called A178, which is the practical application of the technology. So it’s well-documented. There are traceable standards for it. I need more  Allen Hall: operators to call you- Yeah … and to talk to you and get systems in the back of the trucks that they can use to check out the health of their gear boxes and their drive trains and their generators. How [00:24:00] do they do that? Where do they go? Where, where’s, what’s- Well- … the first place they should look for?  Howard Penrose: Uh, info@motordoc.com. Okay. I get all, I get all of those as well, so do my people. Um, or, uh, LinkedIn. LinkedIn’s really good.  Allen Hall: Look up anything. Yeah.  Howard Penrose: Yeah, yeah. So, so either the company at Motordoc, or, uh, I’m, I sh- I’ll show up either searching for my name or, uh, linkedin.com/in/motordoc. Come straight to me ’cause I’ve been in, on LinkedIn forever, so- Right, just- … I got to do that … look up  Allen Hall: Howard Penrose, P-E-N-R-O-S-E. Yep. Or go to motordoc.com is- Yep, motordoc.com … the website address.  Howard Penrose: Yep. There’s a lot of great information there. And we have partners, and we have people. We’re growing the company. You know, talk to me. I, I’ll- Yes … I like answering the phone and talking. It’s, it’s a thing. My people go, “Can we answer the phone one?” No. Um, but, but yeah, we, we, y- when you call us, you’re not just dealing with a single person. Right. The Motordoc is far more expansive. Right now, we [00:25:00] just got our partnership with, uh, Hitachi and, and Juliet- Yeah, that’s great and stuff like that. Uh, we’re helping them with certain things. Uh, we’re partnered with some of the big OEMs, almost all of them, um, you know, helping identify the issues, you know. And, and when users contact us, often they’ll tell us what’s going on, and we’ll, we can, uh, sometimes say, “Yeah, it’s this, and here’s how we prove it.” Allen Hall: Yeah. That’s the, that’s the beauty- Yeah … of calling Motordoc. So I need my operators that, that watch the show- Yeah … worldwide, go online, go on LinkedIn, get ahold of Howard, get ahold of Motordoc, and get started. Yep. Howard, thank you- And- … so much for being on the podcast. Yeah. This is fantastic. I love talking to you because- it’s, it’s like talking to, you know… Uh, no, really, it’s talking like someone who’s a real good industry expert, who’s been there a long time, and understands- Yeah … how this  [00:26:00] works.

The 12 to 24 months after residency set the trajectory for your entire financial life — and most physicians get it wrong. In this episode, Jimmy and Justin walk through the financial checklist every new attending needs: why you should start a taxable brokerage account immediately (not just max your retirement accounts), how to build a student loan plan before RAP and IBR rules shift, the backdoor Roth transition, vesting schedules that can cost you tens of thousands, and the lifestyle inflation trap that quietly delays financial independence. You can have anything you want — just not everything. Resources: Looking for a CPA that does more than just file taxes each year? Check out Gelt - the proactive Tax team that Jimmy uses: https://moneymeetsmedicine.com/CPA Every doctor needs own-occupation disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lars Larson argues the IBR tolling plan would drive 50,000 daily I-5 commuters onto I-205, while a $15 billion price tag leaves $10 billion unaccounted for. Five hundred million dollars spent over 21 years — and no shovels in the ground. https://www.clarkcountytoday.com/opinion/opinion-ibr-creates-50000-road-refugees/ #IBR #I5Bridge #ColumbiaRiver #Tolling #Transportation #PacificNorthwest #ClarkCounty #Opinion #Infrastructure #Politics

Listen in with student debt expert Dr. Tony Bartels in this next installment of our Student Debt Series covering the latest news and information on student loans. In this episode we have seven major topics we're addressing: RAP rule change alert What does this rule change mean for repayment strategies Class of 2026 new grads, STILL do not consolidate Determine your IDR profile, know your monthly interest accrual, know your starting repayment balance, & run your Simulations! RAP subsidies – what are they? Will you benefit? For how long? What's next? RAP to IBR 2014 vs. IBR 2014 only vs. RAP only vs. other? How to get help   As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.   GUEST BIO: Dr. Tony Bartels Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he's not staring holes into his colleagues' student-loan data, Tony enjoys fly fishing, ice hockey, camping and exploring Colorado with his wife, Audra, daughter, Lucy, and their two rescued canines, Addi and Maggie. LINKS AND INFORMATION: Urgent message for Class of 2026: https://vinfoundation.org/urgent-for-class-of-2026-do-not-consolidate-your-federal-student-loans/ 2026 New Grad Student Loan Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/ Check your current student loan servicers and other loan details -- VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans VIN Foundation WikiDebt: IDR Profiles Student Loan Repayment Simulator: https://vinfoundation.org/loansim  VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/ VIN Foundation Get Updates: https://vinfoundation.org/updates/ VIN Foundation GIVE page to support this podcast: https://vinfoundation.org/give VIN Foundation Blog, Related Student Debt Blog posts:  2025 Year End Wrap & Preparing for 2026: https://vinfoundation.org/federal-student-loan-repayment-2025-year-end-wrap-and-preparing-for-2026/ 40 veterinary school simulations in 60 days: 40 in 60 Project: https://vinfoundation.org/resources/veterinary-student-debt/40-veterinary-school-loan-estimations-in-60-days/ Changes to federal student loans come into focus: https://vinfoundation.org/changes-federal-student-loans-come-into-focus/ Student Loan Repayment: Trying to leave the SAVE forbearance? Choose PAYE: https://vinfoundation.org/student-loan-repayment-trying-to-leave-the-save-forbearance-choose-paye/  Student Loans in SAVE Plan Will Start Accruing Interest August 1st: https://vinfoundation.org/student-loans-in-save-plan-will-start-accruing-interest-august-1st/  Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/  Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/ One-time Forgiveness Count Adjustment  https://studentaid.gov/announcements-events/idr-account-adjustment Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60 Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/ Email VIN Foundation: studentdebt@vinfoundation.org Get updates to stay tuned for the VIN Foundation webinars on student debt.  You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, and YouTube. If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we'd love to hear it!

The IBR's Final SEIS confirms 59 residential displacements, up to 15 years of construction, noise levels of 82–94 dBA near homes, and no enforceable vibration or health protections for Hayden Island's 3,000 residents. Gary Clark and Kimberly Haslett of Neighbors for a Better Crossing break down what the document says — and what it deliberately leaves unanswered. https://www.clarkcountytoday.com/opinion/opinion-ibr-environmental-review-confirms-impacts-to-hayden-island-while-leaving-key-safeguards-undefined/ #Interstatebridge #IBR #HaydenIsland #ClarkCounty #Transportation #Opinion #EnvironmentalReview #ColumbiaRiver #Vancouver #WashingtonState

Engineer Bob Ortblad reviewed 3,606 public comment responses in the IBR's Final Supplement Environmental Impact Statement and says many answers are lies or nonsense. His question about routing 28,000 daily trucks to rail and I-205 was met with a response about light-rail transit and community input. https://www.clarkcountytoday.com/opinion/letter-interstate-bridge-replacement-lies-and-nonsense/ #InterstateBridge #IBR #Vancouver #Transportation #ClarkCounty #WashingtonState #Opinion #Infrastructure #FreightRouting #LightRail

A candid look at what our student loan experts are seeing in real-time consultations. The throughline: borrowers need to pull their heads out of the sand because too many are sitting on consolidation deadlines, surprise recertifications, and PSLF misconceptions that could cost them years of credit. The conversation moves from urgent Parent PLUS deadlines to PSLF edge cases, then to disability planning and ABLE accounts — every topic drawn from patterns the team is seeing across recent consults.Key moments:(03:47) Parent PLUS borrowers must consolidate before July 1 to preserve IDR access(08:09) Servicers are pulling tax data months early — revoke IRS consent to control your recertification(22:29) Big Beautiful Bill removes IBR's hardship test, reopening PSLF for high earners(36:13) Disability creates two tracks: IDR recalculation for income drops, or Total and Permanent Disability Discharge(42:07) ABLE accounts let families save for disability expenses with tax-free growth, and 529 funds can roll inResources mentioned: StudentAid.gov - official Federal Student Aid site for IDR, consolidation, PSLF, disability discharge, and more Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

Johann Peters argues the $14.4 billion IBR mega-project is already running a funding deficit — and that removing light rail from the I-5 replacement would bring costs within the $5.5 billion currently available, while freeing resources for a second Columbia River crossing east of I-205. https://www.clarkcountytoday.com/opinion/opinion-lets-build-two-new-bridges/ #Opinion #Transportation #I5Bridge #IBR #ClarkCounty #LightRail #SoundTransit #ColumbiaRiver #Infrastructure #Vancouver

There's a moment in Hajj most people only think about as a logistical headache — the stoning of the Jamarāt. Crowded, hot, exhausting. You queue up, you throw, you move on.But behind that act is one of the most instructive scenes in our religion. And it happens to a father and a son, thousands of years before any of us were born.-----Ibrāhīm ﷺ waited decades for a child. He was an old man — the only worshipper of Allāh in his world. Just him, his wife, and his cousin Lūṭ. That was the entire ummah.He made duʿāʾ. Allāh gave him a son.And then, as soon as Ismāʿīl reached the age the Qurʾān describes as **بَلَغَ مَعَهُ السَّعْيَ** — old enough to walk with him, work with him, hike with him, that beautiful pre-teenage age where the father is still the hero — Allāh told Ibrāhīm in a dream to slaughter him.I want you to sit with that for a second.Not as a young man tested with his own life. As a father, tested with his only son. Allāh wasn't asking him for everything. Allāh was asking him for the *one thing* most dear to him.This is the test that meets you in fatherhood. The test of whether Allāh comes before everything — including the people you love most.Both of them passed. Both submitted. The son said:> يَا أَبَتِ افْعَلْ مَا تُؤْمَرُ ۖ سَتَجِدُنِي إِن شَاءَ اللَّهُ مِنَ الصَّابِرِينَ> > *O my dear father, do as you have been commanded. You will find me, in shāʾ Allāh, among the patient ones.*-----Now here is the part I want you to focus on.On the way to the slaughter, Iblīs came. And what he whispered wasn't crude. It was clever. He listed every sacrifice Ibrāhīm had already made: *You were thrown into the fire. You were exiled. You migrated. You circumcised at an old age. Hasn't Allāh asked enough of you? And now your only son?*Ibrāhīm ﷺ didn't argue. He didn't debate. He didn't even just make duʿāʾ for protection.He bent down. He picked up seven pebbles. And he threw them.*Allāhu Akbar. Allāhu Akbar. Allāhu Akbar.*Then he moved.Iblīs came again, at a second spot. Seven more pebbles. *Allāhu Akbar.* He moved again.Iblīs came a third time. Seven pebbles. *Allāhu Akbar.* And Iblīs left, and didn't come back.-----Every Hajj, two to three million Muslims re-enact this. We throw stones at three pillars. We say *Allāhu Akbar.* We move on.But I think most of us don't realise what we're commemorating. We're not just throwing rocks at a symbol of evil. We're rehearsing a *method*.**Ibrāhīm didn't only make duʿāʾ. He picked up stones.**This is something I think about a lot. We have a tendency, when something is hard, to make duʿāʾ and then sit down. As if duʿāʾ alone is the entire toolkit. As if Allāh wants nothing more from us than our words.But Allāh gave us hands. He gave us bodies. He gave us pebbles. He wants to see what skin we have in the game. Not just our tongues — our *physicality.* He wants to see us bend down, pick something up, and throw it.Make duʿāʾ. *And then act.*-----The second thing Ibrāhīm did was even more underrated.**He moved.**He didn't stay at the same spot and keep throwing. He moved to a new location. And then another.This is huge. Because the lesson is: your environment shapes you. You cannot defeat the whisper of Iblīs while standing in the same place that lets him whisper.We have a principle in Islam — *al-jārū qabla al-dār.* The neighbour before the house. Look at your neighbourhood before you look at the property. The Prophet ﷺ said a person is on the religion of their closest friend. The one you spend the most time with — that's who you become.So when we ask Allāh to protect us from a sin, from a bad habit, from a toxic relationship, from a destructive workplace — and then we go right back into the same room, with the same people, in the same scroll, on the same screen — we are standing where Ibrāhīm refused to stand.Move. Move your body. Move your house. Move your friendship circle. Move your phone out of the bedroom. If you keep falling asleep when you open the muṣḥaf, don't read in bed — find a chair, find a desk, have a cup of coffee.Don't try to outlast Iblīs from his own territory. Pick up the pebbles, throw, and walk somewhere else.-----Here's what gives me hope.Ibrāhīm ﷺ moved *three times.* And then Iblīs left. He didn't come back.That's the promise embedded in this story. If you keep throwing and you keep moving, eventually the whisper gives up and goes looking for someone else. The struggle isn't infinite. It just feels infinite when you stand still.And the ending of Ibrāhīm and Ismāʿīl's story is the ending of every story where someone gives Allāh everything: nobody died. Allāh replaced the sacrifice with a great one. The son lived. The father was honoured. The act was immortalised in our worship until the end of time.When you put Allāh first — really first, not in a sentimental way but in a *here are my hands, here are my pebbles, here is the room I'm walking out of* kind of way — you don't lose. Barakah flows through everything you touch.-----So this Dhū al-Ḥijjah, even if you're not at the Jamarāt this year, take the lesson home with you.What is your Iblīs whispering at you right now? What's the pebble you need to pick up? And — this is the harder one — *what is the spot you need to move from?*Throw. Then move. Throw. Then move.He gives up before you do.-----*With duʿāʾ for those making Hajj this year, and for those still building toward it.* This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.grounded.day/subscribe

Rep. John Ley exposes the stark contrast between Baltimore's Key Bridge replacement and the IBR project. Maryland's DOT Secretary fired contractors over cost concerns for a $5.2 billion, 2-mile bridge while the IBR seeks $15-18 billion for a half-mile span. The Key Bridge will be 70% designed in two years versus IBR's 30% after six years. With double the maritime clearance and triple the length, the Key Bridge costs one-third of the IBR proposal. Will Governors Ferguson and Kotek protect taxpayers from this boondoggle? https://www.clarkcountytoday.com/opinion/opinion-dot-secretary-and-maryland-governor-fire-key-bridge-contractor/ #IBR #KeyBridge #Transportation #BridgeReplacement #TaxpayerProtection #WashingtonState #Oregon #ClarkCounty #CostOverruns #GovernmentAccountability

Douglas Tweet presents compelling C-TRAN ridership data showing bus use across the I-5 bridge has dropped by half since 2006, questioning the IBR's $3.5 billion light rail investment when current Route 60 serves just 900 daily boardings. His analysis challenges IBR forecasts predicting 20-fold ridership growth by 2045, citing TriMet's history of inflated projections that consistently exceed reality. https://www.clarkcountytoday.com/opinion/letter-update-extremely-low-bus-ridership-does-not-justify-expensive-trimet-light-rail/ #IBR #LightRail #Transportation #ClarkCounty #PublicTransit #BusRidership #TriMet #I5Bridge #TransitData #TaxWaste

Dr. Jimmy Turner hosts a solo Money Meets Medicine mailbag addressing timely physician finance questions, emphasizing that trainees should secure disability insurance before finishing training because guaranteed standard issue (GSI) policies are only available during training and many doctors need them. He explains 2026 federal student-loan changes under OBBBA, advising residents planning aggressive payoff to avoid refinancing in training, exit the defunct SAVE plan, and consider the Repayment Assistance Plan (RAP) for its interest subsidy and flexibility. He warns fourth-year med students pursuing PSLF not to consolidate loans to skip the grace period, because a post–July 1, 2026 consolidation can eliminate IBR eligibility and lead to much higher payments versus IBR's cap.  Get $100 off a student loan consult with Student Loan Planner: https://moneymeetsmedicine.com/loans Every doctor needs own-occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance? Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Interstate Bridge Replacement Program has increased projected toll funding from $1.25 billion to $1.5 billion, with construction and tolling both set to begin in 2028. IBR officials briefed C-TRAN directors on the $14.4 billion megaproject, explaining why light rail will stop at the waterfront rather than extending to Evergreen Boulevard in the first phase. Rep. John Ley warns toll rates could climb higher than the current $1.55 to $4.70 range, while C-TRAN board members question light rail ridership projections versus current cross-river transit demand. https://www.clarkcountytoday.com/news/ibr-briefs-c-tran-with-new-numbers-including-the-rise-in-projected-toll-funding/ #IBR #Transportation #ClarkCounty #Tolls #LightRail #Vancouver #WashingtonState #Politics #Infrastructure #CTRAN

GPPR Podcast Editor Asha Gudipaty (JPPP '27) sits down with Kristin Blagg - Principal Research Associate in the Work, Education, and Labor Division at the Urban Institute, McCourt alum, and current professor - for a timely conversation on income-based repayment (IBR) and the evolving federal loan landscape following the passage of the "One Big Beautiful Bill."

Joe Cortright exposes IBR's deliberate delay of the Investment Grade Analysis until June 2027 — 18 months past the original deadline. The toll revenue study will likely show that promised $1.25 billion in toll funding won't materialize without dramatically higher tolls than advertised. This mirrors the Columbia River Crossing's 2013 analysis that cut traffic projections in half and nearly doubled minimum tolls to $2.60. With current bridge traffic down to 127,000 vehicles daily, post-pandemic work patterns reducing commuter volumes, and interest rates nearly doubling, the financial foundation of this $15 billion project appears increasingly shaky. IBR officials are using the same playbook they used with cost estimates — hiding bad news until after legislative approval. https://www.clarkcountytoday.com/opinion/opinion-the-high-cost-of-hiding-why-ibrs-delayed-revenue-study-is-a-15-billion-warning-sign/ #IBR #InterstateBridge #Transportation #Tolls #ClarkCounty #Vancouver #WashingtonState #BridgeReplacement #PublicAccountability #Infrastructure

Vancouver City Council unanimously approved a resolution demanding light rail extend beyond the waterfront station to Library Square near Evergreen Boulevard. Mayor Anne McEnerny-Ogle criticized the IBR's proposal to end service at a station requiring a 90-foot elevator, calling it impractical for the planned multimodal hub connecting C-TRAN buses with light rail. The city invested years planning the Library Square station and secured $30 million in federal grants for the project. https://www.clarkcountytoday.com/news/vancouver-city-council-approves-resolution-asking-ibr-to-extend-light-rail-to-library-square/ #VancouverWA #LightRail #IBR #Transportation #ClarkCounty #PublicTransit #CityCouncil #LibrarySquare #CTRAN #Infrastructure

Rep. John Ley exposes TriMet's staggering financial mismanagement as the agency posts an $850 million operating loss while demanding Clark County taxpayers fund MAX light rail operations. With costs per passenger mile jumping 75% in two years and ridership still 30% below pre-pandemic levels, serious questions emerge about the IBR's plan to prioritize six light rail construction packages in 2026. https://www.clarkcountytoday.com/uncategorized/opinion-everything-about-trimet-screams-poor-management/ #TriMet #IBR #LightRail #Transportation #ClarkCounty #Vancouver #PublicTransit #TaxpayerFunding #Opinion #Politics

Ken Vance exposes how the Interstate Bridge Replacement Program buried crucial details about their light rail plan requiring a 70-foot elevator system at the waterfront stop. While Governor Ferguson touted a $7.65 billion bridge cost, the full project price tag hit $15.2 billion with no public oversight planned. Vancouver's mayor revealed the hidden elevator requirement that IBR officials conveniently omitted from their recent cost announcement. Clark County voters have rejected light rail three times, yet the project continues expanding with what Vance calls a "blank checkbook" approach from WSDOT and ODOT. https://www.clarkcountytoday.com/opinion/opinion-when-are-we-going-to-get-the-full-and-complete-details-of-the-interstate-bridge-replacement-programs-i-5-bridge-replacement-project/ #IBR #I5Bridge #LightRail #Transportation #ClarkCounty #Vancouver #PublicOversight #GovernmentAccountability #WashingtonPolitics #Opinion

Quick update for SAVE borrowers. Meredith and Joe break down what the end of SAVE means and how to plan your next steps.Notices start July 1 with a 90-day window to choose a new planIf no plan is selected, loans may move to Standard repaymentYou can switch now. PAYE and IBR are available and forgiveness progress carries overMake sure your contact info is up to date so you don't miss your noticeIf you'd like help clarifying your next steps, schedule a student loan consult with our team at Vet Debt Experts: https://calendly.com/vetdebtexperts

Bob Ortblad calls out Vancouver Mayor Anne McEnerny-Ogle for technical errors in her KGW8 remarks on the IBR project, explaining why immersed tunnel options would improve safety and save over $1 billion. Vancouver, bridge engineering, public spending, seismic safety. https://www.clarkcountytoday.com/opinion/letter-vancouver-mayor-anne-mcenerny-ogle-makes-several-serious-and-incorrect-engineering-statements/ #ClarkCounty #Vancouver #Opinion #InterstateBridge #Engineering #IBR #SeismicSafety #Transportation #PublicSpending

Kencan Dengan Tuhan - Rabu, 18 Maret 2026Bacaan: "Peliharalah kasih persaudaraan!" (Ibrani 13:1) Renungan: Joe O'Donnell, adalah seorang fotografer yang ditugaskan untuk mengabadikan berbagai kerusakan yang terjadi setelah Perang Dunia II. Ia mengabadikan seorang bocah Jepang berumur sekitar 10 tahun yang sedang memanggul adiknya yang telah meninggal untuk dibawa ke tempat kremasi. Bocah ini menahan kesedihannya dengan menggigit bibir bawahnya sampai berdarah. Ia berdiri tegak tak bergeming ketika api menyala dan membakar habis tubuh adiknya, dan kemudian ia berlalu. Foto ini diambil di kota Nagasaki pada tahun 1945. Pada tanggal 8 Agustus 2020 dibuatlah film dokumenter dengan judul "The Standing Boy of Nagasaki". Sampai saat ini belum diketemukan jati diri dari bocah ini. Kita tidak tahu berapa jauh bocah ini telah berjalan bertelanjang kaki sambil memanggul jenazah adiknya agar dapat dikremasikan. Ia bisa saja meninggalkannya di jalanan, ataupun meletakkan beban tersebut di lokasi kremasi. Namun bocah ini memanggulnya sampai tiba gilirannya untuk menyerahkan jenazah adiknya ke petugas kremasi. Oleh karena itu, peristiwa ini diabadikan sebagai lambang dari kekuatan kasih persaudaraan. Allah melihat kasih kita kepada-Nya melalui kasih persaudaraan kita di dunia ini. "Barangsiapa tidak mengasihi saudaranya yang dilihatnya, tidak mungkin mengasihi Allah, yang tidak dilihatnya... Barangsiapa mengasihi Allah, ia harus juga mengasihi saudaranya." Namun di dalam fakta kehidupan ini, banyak orang percaya yang mengalami putusnya tali persaudaraan. Persoalan, pertengkaran, perebutan harta menimbulkan kebencian satu sama lain. Kakak dan adik saling tidak mau kenal lagi. Namun, anehnya kita tetap menjalani kehidupan yang beribadah dan mengasihi Allah karena kita tidak mampu melihat keterkaitan antara mengasihi Allah dan tali persaudaraan seperti yang Allah inginkan. Apapun persoalan yang ada, mari kita belajar mengasihi saudara-saudara yang ada di dunia ini. Dasar yang kuat bagi kita untuk mempraktikkan kasih persaudaraan adalah karena Yesus sudah mengasihi kita terlebih dahulu! Ibr 13:1 mengingatkan kepada kita, "Peliharalah kasih persaudaraan!" Tuhan Yesus memberkati. Doa:Tuhan Yesus, ampunilah aku karena aku seringkali tidak memperhatikan perintah-Mu untuk saling mengasihi sama seperti Engkau mengasihi aku. Amin. (Dod).

If income-driven repayment flexibility matters to you, don't wait until summer 2026. Any federal loans disbursed on or after July 1, 2026, lose access to IBR, ICR, and PAYE. Because consolidation can take months to process, treat April 1, 2026 as your planning deadline. FREQUENTLY ASKED QUESTIONS What is changing with income-driven repayment? The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, restructures federal student loan repayment starting July 1, 2026. Loans disbursed on or after that date are limited to a new Standard Repayment Plan or the Repayment Assistance Plan (RAP). Legacy plans — IBR, ICR, and PAYE — will not be available for those loans. Are IBR, ICR, and PAYE going away entirely? Not immediately. Borrowers with loans disbursed before July 1, 2026, who take on no new loans after that date, can still enroll in or remain on IBR, ICR, or PAYE. That said, per NASFAA's bill analysis, borrowers on ICR or PAYE must move to IBR, a standard plan, or RAP by July 1, 2028 — otherwise they are automatically placed in RAP. IBR remains available for existing borrowers on an ongoing basis. Why does consolidation matter? Borrowers with FFEL loans, Perkins loans, or mixed federal portfolios often must consolidate into a Direct Consolidation Loan to access income-driven repayment at all. Under the OBBBA, that loan must be disbursed — not just applied for — by June 30, 2026. A consolidation disbursed on or after July 1, 2026 loses access to IBR, ICR, and PAYE, even for borrowers previously enrolled in those plans. Parent PLUS borrowers have an additional requirement: a consolidation loan used to pay off a Parent PLUS loan must enter repayment under ICR before July 1, 2026 to preserve later IBR eligibility. Why April 1? April 1 is not in the law — it's a practical safety deadline. Federal Student Aid encourages borrowers who need to consolidate to apply at least three months before July 1, 2026 to ensure disbursement clears by June 30. Three months back from July 1 is April 1. What counts as "disbursed"? Disbursement means the consolidation loan has been fully processed, the underlying loans paid off, and a new Direct Consolidation Loan officially issued. Submitting an application or receiving approval does not count if the actual disbursement occurs on or after July 1, 2026. Should everyone consolidate before April 1? No — consolidation is not automatically the right move. Consider the impact on interest capitalization, existing borrower benefits, and forgiveness timelines before acting. The goal isn't "everyone consolidate." It's everyone check. Log in to StudentAid.gov, review your loan types, and determine whether action is needed before the window closes. REFERENCES NASFAA (2026, January). Federal student aid changes from the One Big Beautiful Bill Act. https://www.nasfaa.org/uploads/documents/Federal_Student_Aid_Change_OB3.pdf U.S. Department of Education, Federal Student Aid. Big updates: Changes to federal student loan repayment. https://studentaid.gov/announcements-events/big-updates U.S. Congress (2025). H.R. 1 — One Big Beautiful Bill Act (119th Congress). https://www.congress.gov/bill/119th-congress/house-bill/1/text

In this solo episode, Brad shares a few recent herd-health case studies from his dairy, highlighting the value of diagnostics and transparency.He walks through two calf losses—one at 60 days old and another at 9 months. Both animals had been treated for common issues but continued to decline. Necropsies revealed severe heart abnormalities in each case (thin, underdeveloped ventricles), pointing toward possible genetic or nutritional causes. The takeaway: without a necropsy, these would have remained unexplained losses.Brad also discusses a recent abortion in a dry cow. Diagnostic testing ruled out BVD and IBR and identified Citrobacter sp., an environmental organism found in manure, soil, and bedding that can contribute to abortions. He suspects environmental exposure in wintered dry cows may have played a role.Overall, the episode emphasizes investigating unexpected losses, using lab diagnostics, and learning from on-farm challenges as spring calving approaches.Questions, comments, scathing rebuttals? -> themoosroom@umn.edu or call 612-624-3610 and leave us a message!Linkedin -> The Moos RoomTwitter -> @UMNmoosroom and @UMNFarmSafetyFacebook -> @UMNDairyYouTube -> UMN Beef and Dairy and UMN Farm Safety and HealthInstagram -> @UMNWCROCDairyExtension WebsiteAgriAmerica Podcast Directory 

In this opinion column, economist Joe Cortright analyzes IBR cost estimates and concludes that inflation accounts for only a fraction of the project's ballooning price tag, pointing instead to rapidly rising consultant and staff costs as the main cause. https://www.clarkcountytoday.com/opinion/opinion-ibr-falsely-blaming-inflation/ #Opinion #Transportation #IBR #I5Bridge #PublicSpending

Whoever Conceals the Faults of a Muslim, Allah Will Conceal His Faults on the Day of Resurrection — Ustādh Abu 'Ināyah Seif • Explanation of the hadith: “Whoever conceals the faults of a Muslim, Allah will conceal his faults in this world and the Hereafter.” • Our desperate need for the concealment of Allah in both the dunya and the akhirah • The reality of the Day of Resurrection when all hidden secrets will be exposed • Tafsīr of the verse: “The Day when all secrets will be examined” (86:9) • Statement of Imām as-Sa‘dī on hearts being exposed and deeds appearing on faces • Du‘ā of Ibrāhīm عليه السلام: “Do not disgrace me on the Day they are resurrected” • The private questioning of the believer by Allah and His forgiveness of concealed sins • Contrast between how believers and disbelievers will be exposed on the Day of Judgment • From the greatest means of gaining Allah's concealment: concealing the faults of others • Severe warning against searching for and exposing people's faults • Hadith: Whoever seeks out others' faults, Allah will expose his—even in his own home • The honour of a believer is more sacred to Allah than the Ka‘bah • The sanctity of Muslim blood, wealth, and honour • Warning against slander, backbiting, and accusing innocent believers • Lessons from the slander of ‘Ā'ishah رضي الله عنها (ḥadīth al-ifk) • Hadith: Lying about a believer leads to punishment in Hell until one retracts it • The worst form of ribā: attacking a Muslim's honour unjustly • Forgetting one's own faults while obsessing over others' mistakes • Ibn al-Qayyim's example of people who ignore good and only cling to faults • Virtue of defending a Muslim's honour • Hadith: Whoever defends his brother's honour, Allah will protect his face from the Fire • Examples of the Companions defending one another's honour • Condemnation of exposing one's own sins publicly • Difference between how believers and corrupt people view their sins • A sin that humbles a servant may lead him to Paradise • A good deed that leads to arrogance may lead a servant to Hell • Signs that Allah wants good for a servant: – Forgetting one's good deeds – Always remembering and fearing one's sins • Final reminder to conceal one another's faults and fear exposure before Allah

In this letter to the editor, Bob Ortblad challenges the Interstate Bridge Replacement Program's proposed Park & Ride garages, citing high per-space costs, downtown impacts, and skepticism that the Federal Transit Administration will approve IBR's $1 billion grant request. https://www.clarkcountytoday.com/opinion/letter-interstate-bridge-replacements-park-ride-insanity/ #Opinion #InterstateBridgeReplacement #ParkAndRide #TransportationPolicy #PacificNorthwest

Rep. John Ley outlines concerns over escalating Interstate Bridge Replacement costs, funding gaps exceeding $10 billion, and what he describes as a lack of transparency from IBR leadership and consultants. https://www.clarkcountytoday.com/opinion/opinion-the-ibrs-10-12-billion-funding-problem-and-lack-of-truthfulness/ #IBR #I5Bridge #TransportationPolicy #WashingtonPolitics #OregonPolitics #Infrastructure #Opinion

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Student loans are also back in the spotlight, with significant changes carrying major implications for millions of borrowers. The “Henssler Money Talks” hosts break down what's happening with income-driven repayment plans, including updates to IBR and the emerging Repayment Assistance Plan, and how these shifts may affect monthly payments and long-term forgiveness timelines.Original Air Date: December 20, 2025Read the Article: https://www.henssler.com/navigating-student-loan-repayment-as-federal-programs-shift 

From festive traditions to financial realities, this episode covers a wide range of timely topics as the year comes to a close. We start with a lighter look at the season, unpacking some of this year's biggest holiday trends, starting with Elf on the Shelf's Marietta roots. Elf on the Shelf has grown from a simple idea into a global enterprise. Its deep connection to holiday tradition has helped create a sustainable, enduring business model year after year. Next we jump into the shopping trends from Labubu to Crumbl Cookies to luxury items. We consider what current consumer spending trends reveal about shoppers' confidence. We'll discuss what a K-shaped recovery tells us about consumer financial health and what it could mean for the economy heading into the new year.From there, we turn to the economy, diving into recently released data including November's employment growth and the current unemployment rate. Is the AI trend fully supporting our economy? In some ways yes, but we're also seeing the broader market catch up to the Magnificent Seven. Student loans are also back in the spotlight, with significant changes carrying major implications for millions of borrowers. We break down what's happening with income-driven repayment plans, including updates to IBR and the emerging Repayment Assistance Plan, and how these shifts may affect monthly payments and long-term forgiveness timelines. Our host KC was recently quoted in CNBC on these developments, and we'll explain what the legal and policy changes mean for your financial future.Finally, we look ahead to upcoming tax-law changes tied to higher education, including repayment plan phase-outs and expanded rules around federal education benefits—part of the broader One Big Beautiful Bill that could reshape student debt and college costs in the years ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 20, 2025  |  Season 39, Episode 51Timestamps and Chapters6:01: Holiday Fads & Favorites 13:52: Holiday Spending Checkup27:49: Employment Data and Market Breadth37:31: The Student Loan Reset: New Rules, New Risks, New DecisionsFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Student loans aren't just a financial obligation — they're a moving target. Rules shift, repayment plans evolve, forgiveness programs get redefined, and big deadlines are on the horizon. To help make sense of it all, Melissa Joy, CFP®, sits down with student loan expert David Gourley, founder of K-12 Planning, to break down the latest changes and what they mean for borrowers today.David brings deep expertise from years of helping educators, public service professionals, and families navigate the student loan maze. Together, Melissa and David walk through what's stable, what's shifting, and what borrowers need to pay attention to right now — especially as 2026 brings some of the biggest changes we've seen in years.They explore why Public Service Loan Forgiveness remains intact (despite the headlines), the critical steps Parent PLUS borrowers must take before federal doors close, and how the upcoming Repayment Assistance Program (RAP) could reshape long-term planning for millions. David also shares the little-known strategies around tax filing, repayment timing, and consolidation that can dramatically change someone's loan trajectory.Highlights include:Why PSLF is not going away — and who still qualifiesHow adjunct professors can use a multiplier to qualify as full-timeThe crucial July 1, 2026 deadline for Parent PLUS consolidationWhat RAP is, how it compares to IBR, and why timing matters for borrowersHow long-term forgiveness works (20, 25, or 30 years) — and when it may be taxableHow filing taxes married filing separately can significantly reduce paymentsThe risks of relying on lower payments when interest continues to growWhat changes to borrowing limits mean for grad students and parentsWhen refinancing to a private loan may actually make senseHow to plan ahead when student loan rules continue to evolveIf you're navigating repayment, planning for forgiveness, or preparing to send a child to college, this conversation offers clarity in a landscape that rarely stands still. Melissa and David bring the context, strategy, and grounded perspective borrowers need to make confident decisions — today and in the years ahead.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026. We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan. Key moments: (02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR (05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes (06:36) Why proposed borrowing caps could upend grad and professional programs (11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy (14:02) What might trigger Congress to rewrite the rules again before 2028 Resource mentioned: Apply for or recertify income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Joe Cortright outlines why the Coast Guard is unlikely to approve the IBR's proposed low fixed span, citing navigation requirements, a century of legal precedent, past disputes over Columbia River clearance, and concerns about ignoring future river uses. https://www.clarkcountytoday.com/opinion/opinion-why-you-cant-bribe-your-way-to-a-low-fixed-span-bridge/ #Opinion #IBR #CoastGuard #ColumbiaRiver #Transportation #Infrastructure #PacificNorthwest

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: (05:07) How worried should you be about the new PSLF rules (09:20) The weighted-average credit confusion after consolidation (16:32) The risk of choosing between federal and private student loans is quite high (24:28) SAVE forbearance, recertification delays, and the Parent PLUS trap (43:47) What we're watching in negotiated rulemaking and RAP vs. IBR Resource mentioned: Stanley Tate's YouTube channel   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

This opinion column by Rep. John Ley for Clark County Today explains how TriMet's spare MAX light rail vehicles, revised IBR ridership projections, Federal Transit Administration data, and higher MAX operating costs compare with C-TRAN's bus service, outlining why existing vehicles and current bus resources can cover the proposed Yellow Line extension without new MAX purchases. https://www.clarkcountytoday.com/opinion/opinion-trimet-needs-zero-new-light-rail-vehicles-for-the-i-5-bridge-replacement/ #Opinion #TriMet #Transportation #LightRail #CTRAN #IBR #TransitCosts #ClarkCounty #MAX

The AFT lawsuit settlement with the Department of Education is one of the biggest updates in months for borrowers on income-driven repayment. You'll learn how this settlement unfreezes stalled forgiveness applications, who's protected under the new rules, and the key deadlines you can't afford to miss. I also explain why the 2026 "tax bomb" is back and what you can do now to prepare for it. Key moments: (00:57) What the AFT lawsuit forced the Department of Ed to fix (02:43) How PAYE and IBR borrowers can finally get forgiveness processed (05:57) The 2026 tax bomb: what's coming and how to plan for it (07:02) The urgent deadline for Parent PLUS borrowers before July 2026 (13:27) Upcoming rule changes that could reshape repayment options Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Worried PSLF Buyback might vanish before you qualify? Let's dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it's likely to stick around, and how to position yourself if the rules change. You'll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy.  Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the risk of counting on Buyback approval (10:28) How to choose between SAVE, PAYE, and IBR repayment plans (14:22) When a “die with the debt” strategy makes sense in retirement (17:50) How to handle income recertification after a job change Resources mentioned:  Certify your PSLF employment Recertify or update income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

(00:00) Student Loan Repayments in Pre-Med(13:53) Changes to Student Loan Repayment Plans(19:38) Navigating Student Loan Repayment Plans(29:26) Future Trends in Medical EducationUnlock the secrets to navigating the complicated world of student loans with insights from our special guest, Lauren from Student Loan Planner. Discover how to turn the tide on student debt, particularly for medical students facing unique financial hurdles. Lauren shares her personal journey into the realm of student loan repayment, inspired by a client's battle with overwhelming debt, and explores the distinct nature of student loans. We'll also uncover how recent changes in federal loan caps might bring hope for more affordable education, while also considering the role of banks in supporting high-income earners like future physicians.Stay ahead of the curve as we dive into the evolving landscape of student loan repayment plans, focusing on public service loan forgiveness for medical professionals. Lauren sheds light on the latest changes and uncertainties surrounding income-driven repayment options, revealing what these shifts mean for new physicians during their residencies. With discontinued plans being replaced by the revised IBR and WRAP plan, Lauren emphasizes the critical importance of understanding these changes, especially with the fast-approaching July 2026 deadline for new loans under the revised rules.Venture into the future of medical education as we discuss potential shifts towards a three-year curriculum, inspired by NYU's innovative tuition-free program. This model could revolutionize medical education, prompting other institutions to reconsider their costs and structures. Alongside these educational trends, we ponder how student loans might be shaped by future political landscapes. Plus, Lauren introduces Student Loan Planner as a vital resource, offering blogs, podcasts, and personalized consultations to empower students in making smart financial decisions. Don't miss this opportunity to gain valuable insights and guidance at the intersection of medical education and financial planning.

✅ Student loan repayments and forgiveness for professional students is changing fast—and the new 2026 rules under the One Big Beautiful Bill Act are set to reshape how repayment works for graduate-level borrowers across the U.S.In this episode, financial expert James Mwombela from Student Loan Planner breaks down what the new law means for law students, pharmacy students, dental students, business school graduates, optometry students, physician assistants, nurses, medical students, chiropractors, and other healthcare professionals navigating student debt.If you're in or entering a graduate or professional program, the elimination of Grad PLUS loans, new federal borrowing caps, and less generous income-driven repayment plans could directly affect your future—and your finances. This episode covers everything you need to know about the coming changes and how to prepare, strategize, and protect your financial future.

In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,000+ in interest, scripts to negotiate lower rates, and how to get $5,250 per year in tax-free employer loan assistance before these changes make escape even harder. ⁠Get the Student Loans GUIDE Here!  How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. ⁠Delete Me⁠⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Healthy, Wealthy and Smart podcast, host Karen Litzy welcomes back financial expert Joe Reinket to discuss the latest changes in student loans. Joe, a CFA charter holder and founder of FitBux, shares valuable insights into how these changes will impact three key groups: current students, those in repayment, and graduates nearing forgiveness. The discussion provides practical information on what to expect regarding student loans. Join Karen and Joe for an informative conversation that aims to clarify the current landscape of student loans and empower listeners with knowledge.   Time Stamps:  [00:01:48] Student loan changes overview. [00:05:03] Federal vs. private student loans. [00:10:03] Student loan funding for programs. [00:12:10] Student loan forgiveness programs. [00:15:49] New IBR vs Old IBR. [00:21:32] New vs. old IBR. [00:25:11] New Income Repayment Assistance Plan. [00:27:10] Loan forgiveness options explained. [00:31:27] Public service loan forgiveness changes. [00:37:32] Student loan refinancing options. [00:39:25] Financial planning for young professionals. [00:43:01] Home ownership financial perspective. [00:45:57] AI scribe for physical therapists.   More About Joe: Joseph is a Chartered Financial Analyst (CFA) and founder of FitBUX which has helped over 18,000 young professionals on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates. He is currently an adjunct financial wellness professor at 15 universities. Resources from this Episode: FitBux FitBux on YouTube FitBux on Instagram   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

There's so much going on this week so we packed it all into one episode. First up, Neal and Stumpy John took an adventure ride up to the Lost Coast in N. Cali. Everything up there is either ocean, redwoods, pot farms or vineyards, so you know the ride was epic. Next up, we spent the weekend down at Laguna Seca for the MotoAmerica races. For some of us, we've been going for years, so we focus on test riding bikes and all the things the races have to offer. For Jake 2.0, it being his first time to the races AND Laguna Seca, it was all amazing. We share our test ride stories on the CF Moto 450 Ibex, 800 Ibex and the Papeo. And Jake talks about seeing the corkscrew up close, and then what it's like to experience on the track. Liza introduces a new game called Wrong Answers Only, and pretty much regrets it immediately. Steph just got back from the Mods and Rockers rally, where scooterists and bikers all get along. Chris shares has stories on returning from the Scooter Cannonball. As a long distance IBR rider, did he have what it takes to do it on a scooter? And lastly, we read listener emails and answer some questions. with Liza, Stumpy John, Neal, Jake 2.0, Naked Jim, Bagel, Chris Comly and Steph Yue. www.motorcyclesandmisfits.com motorcyclesandmisfits@gmail.com www.patreon.com/motorcyclesandmisfits www.zazzle.com/store/recyclegarage www.youtube.com/channel/UC3wKZSP0J9FBGB79169ciew https://womenridersworldrelay.com/ adifferentagenda.com/products/the-lost-tribe-25 motorcyclesandmisfits.com/shop Join our Discord at discord.gg/hpRZcucHCT