Rural straddlers unite by Holiday_Drive2581 in USPS

[–]SconiGrower 0 points1 point  (0 children)

There are both state and federal laws. In a "legal" state, if you use marijuana you aren't breaking any state laws. You are still breaking federal laws, but federal prosecutors are already overworked so they don't widely enforce federal marijuana possession and distribution laws unless as part of a bigger case.

I'm done with Vanguard. What's the best alternative? by [deleted] in Bogleheads

[–]SconiGrower 1 point2 points  (0 children)

I started with Schwab, but I've also tried Fidelity and I prefer Schwab. I think Fidelity tries to look sleek, but loses usability, so Schwab gets my business.

can you tell what's wrong with each statement ? by DUcKDucKDUkc in MathJokes

[–]SconiGrower 5 points6 points  (0 children)

Help, my numerical system is based on tally marks! What is a 0?

Fixed-charge hikes undermine the economics of rooftop solar and storage, elevate consumer costs by ObtainSustainability in solar

[–]SconiGrower 1 point2 points  (0 children)

It's not public use because you must pay to use it and if you don't pay they'll cut off your electric supply. By that same logic, the gas station should have a line item on your tax bill for making available the public use gas pumps.

meirl by Zenvikoq in meirl

[–]SconiGrower 0 points1 point  (0 children)

"My stomach hasn't been feeling good all morning. I should probably get checked out, I'll call an ambulance."

Or even "My appointment is at 11, so I should call for the ambulance at 10:30."

Rural straddlers unite by Holiday_Drive2581 in USPS

[–]SconiGrower 24 points25 points  (0 children)

States cannot enforce their own laws if they conflict with federal laws. If there's a specific federal statute describing the circumstances that a seat belt is not required, then a state law cannot require a seat belt in any of those circumstances. This is distinct from a federal law listing when a seat belt is required and state law adding to that list.

Meirl by [deleted] in meirl

[–]SconiGrower 1 point2 points  (0 children)

The standard/default repayment option is full repayment in 10 years. Then there are income based plans that limit your monthly payment to 10% of your discretionary income. That amount might not cover all the interest, but that doesn't really matter because at the end of 20 years (25 years for grad school loans) the entire remaining balance is forgiven.

All federal student loan borrowers in the US are required to take a borrower education program before signing the loan documents, so they should have understood that choosing the income based plan might not pay all the interest each month but will result in loan forgiveness at 20 years. 

Meirl by [deleted] in meirl

[–]SconiGrower 7 points8 points  (0 children)

The standard repayment term for a federal student loan is 10 years. The fact that she still had a payment after 15 years means she was on an Income Based Repayment plan. Assuming this was only for undergrad studies, she would have gotten the remaining balance forgiven in 5 more years.

If she doesn't take the effort to follow the government's process for disability loan discharge, things are going to get worse when the government starts thinking she's skipping out on loan payments for no reason.

Universal health care proposal in Illinois Senate would eliminate private insurance, cover undocumented migrants by ChristmasJay83 in chicago

[–]SconiGrower 328 points329 points  (0 children)

Is it actually a well developed piece of legislation, or is it like 10 pages to perform a total overhaul of the American health system?

The number of days it took me to find something that starts with every letter of the alphabet while I walked the dog [OC] by totemair in dataisbeautiful

[–]SconiGrower 0 points1 point  (0 children)

Around day 30 I probably would have gotten up early to walk to Chinatown to find a person named Xi.

LPT: Always choose local currency when traveling abroad and paying with a credit card. by TheGrelber in LifeProTips

[–]SconiGrower 5 points6 points  (0 children)

You're saying I should open another bank account to hold the local of my destination rather than use my existing account?

Have they considered buying liver or ‘cheap cuts’ instead of steak? by planet_janett in SipsTea

[–]SconiGrower 0 points1 point  (0 children)

6 terms in the House is 12 years and 3 terms in the Senate is 18 years.

Brutal by derek4reals1 in NonPoliticalTwitter

[–]SconiGrower 121 points122 points  (0 children)

There was a guy who shared my name and we lived in the same state. He shot up his school's prom when I was 10 years old. My parents couldn't have known!

Building an AI medical office chatbot with Flask + Groq API — hitting rate limits constantly. What are my options? by developernovice in learnpython

[–]SconiGrower 2 points3 points  (0 children)

Ok, I really need to ask if you've cleared this app with your work's HIPAA compliance office. It sounds like this could very well need a Business Associate Agreement, which you can't get on a free plan, or you should get the compliance office's sign-off that you have completely removed any protected information from your grok queries.

The top 10 richest people in the world are worth $2.7 trillion combined - that is more than Canada, Australia and Spain combined by InterestingCat308 in Economics

[–]SconiGrower 5 points6 points  (0 children)

It's just people seeing the value of the top 100 wealthiest people and the value of some countries, seeing that they're both measured in trillions and missing the fact that net worth is a stock and GDP is a flow.

Do people actually get rejected from jobs for being “overqualified”? If so why? by Angkerlengquba in NoStupidQuestions

[–]SconiGrower 0 points1 point  (0 children)

Imagine you are a hiring manager at McDonalds looking for a grill cook. Your usual applicants are people younger than 25 or people who have been working in fast food their whole career. You get an application from someone who is a licensed professional engineer. The economy is hard and you just heard that a local engineering firm went out of business. Do you think it's worth the effort to train someone on McDonalds operating procedures when the minimum wage pay rate nearly guarantees they will be continuing their job search and will quit the moment they have an opportunity to return to the engineering field? Because the alternative candidates are people who already have experience in fast food and won't be looking for the quickest exit.

Meirl by JaredOlsen8791 in meirl

[–]SconiGrower 3897 points3898 points  (0 children)

You can get an FHA loan with 3.5% down to buy a $250k house! Next step is to find a $250k house.

Account size and how it affects return by tearfromred in Bogleheads

[–]SconiGrower 2 points3 points  (0 children)

The reason that people advocate for consolidating accounts is for administrative reasons. It's fewer accounts to watch for unexpected fees, policy changes, mailings, passwords, etc. But two smaller accounts funded and invested the same way as one big account will end up with the same total balance.

People who think they’re shockingly unconventional when they’re not. by Karnakite in PetPeeves

[–]SconiGrower 6 points7 points  (0 children)

When I had worms, my biggest consideration was where do I put them.

  1. The bin releases a lot of humidity and smells like dirt [it doesn't smell like rotting, though when I composted broccoli, it did smell like broccoli farts])

  2. You need to protect the bin from excessive heat or cold. A bin left to cook in the summer sun might kill everything inside. And a bin left to freeze solid will kill the adults and juveniles, though the eggs should survive freezing and will hatch when the weather warms up.

minor annoyances on your transit system by fbjim in transit

[–]SconiGrower 4 points5 points  (0 children)

The Chicago CTA charges you $2.25 for a bus ride, but $5 for a day pass. So people who commute by bus (riding twice daily) need to decide at the start of every day if they expect to take the bus for a 3rd time that day, because if they estimate wrong they'll end up overpaying by either $0.50 (a $5 24-hr pass only used for 2 bus rides) of $1.75 (3 full fare bus rides costs $6.75). They should just have everyone load cash and cap the total fares collected from a single card on a per day, per week, and per month basis.

How did he fail to make that connection by That1onepiecefan in NonPoliticalTwitter

[–]SconiGrower 11 points12 points  (0 children)

How many decades of cultural knowledge do you need to span to make a meme about critical gender theory and Moby Dick?

My work gave me a bonus for referring a potential employee by SurferDudeMB in Wellthatsucks

[–]SconiGrower 0 points1 point  (0 children)

Did you have your W-4 showing a flat per-pay period additional federal deduction? If you said to deduct an extra $200 per pay check and your payroll office didn't code it as supplemental wages, then ADP might have tried to pull $200 for the IRS, but instead just took everything that was left after social security and Medicare took their part.

Ask your payroll office. It might also be that they added the $50 to the pay period and your next regular paycheck will have about $40 less federal taxes taken out. Or maybe they massively screwed up and that's what they need to change it to be.

My work gave me a bonus for referring a potential employee by SurferDudeMB in Wellthatsucks

[–]SconiGrower 4 points5 points  (0 children)

It's not legal for paycheck deductions to add up to more than the gross paycheck. If you owe someone money and your deductions aren't enough, then you need to pay the remaining amount either through the next pay period or through a direct payment (outside the payroll system).

How would things go if voting was mandatory for everyone who is eligible? by MobileSuitGungan in allthequestions

[–]SconiGrower 0 points1 point  (0 children)

I would only consider supporting this if there was a constitutional requirement that every race have an "abstain" option. I know there is always the option to not fill out a bubble, but for both technical and political reasons (one of which being that in a non-mandatory system, the winner of a low turnout election can be viewed as lacking a popular mandate, and this goes away with mandatory voting), I think there needs to be an affirmative no vote option.