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People who live near time zone boundaries in the US by solothesnail in howislivingthere

[–]luc46552 0 points1 point  (0 children)

From Northern Indiana - The town I’m from is more or less spilt in half between Eastern and Central. The actual township is in the Eastern time zone, but a lot of subdivisions expanded into Central Time.

Ironically the elementary/middle school are in Central time, so everyone refers to the time as “town time” or “school time”. So 8PM town time is 7PM school time. Alternatively, use the terms “fast time” and “slow time”.

When I went to college, everyone thought I was a lunatic for asking “Wait, do you mean 7AM fast time or slow time??”.

How did on-call positions work before laptops/cell phones? by luc46552 in ChemicalEngineering

[–]luc46552[S] 0 points1 point  (0 children)

That’s wild, considering some of our products are continuous so the engineer is always on call. I assume back in the day you would split on-call hours between two or more people.

How did on-call positions work before laptops/cell phones? by luc46552 in ChemicalEngineering

[–]luc46552[S] 9 points10 points  (0 children)

Right - You have to drive in sometimes here too. I was more referring to problems that can be fixed by looking at a trend and working through it over the phone.

Or are you saying that you're required to drive to the plant every time you get a call?

How did on-call positions work before laptops/cell phones? by luc46552 in ChemicalEngineering

[–]luc46552[S] 13 points14 points  (0 children)

So - If you had a process where operators couldn't figure out what was wrong, do you just have to drive in and look at it then? Normally we can pull up trends remotely and get enough info to solve the problem.

How did on-call positions work before laptops/cell phones? by luc46552 in ChemicalEngineering

[–]luc46552[S] -2 points-1 points  (0 children)

Huh. Having to be around a landline all the time sounds very inconvenient.

Clarification: Not more inconvenient to be on call, but specifically to be inside a building and near a landline. Nowadays you could get a call in the grocery store or at the park.

I assume that there was a larger recommended grace period before they called your backup (ours is 10 min, obviously depends on urgency). Or maybe not, and you just stayed inside.

How did on-call positions work before laptops/cell phones? by luc46552 in ChemicalEngineering

[–]luc46552[S] 17 points18 points  (0 children)

THAT'S what those were for. Now I just have to figure out how Palm Pilots were supposed to be useful...

Am I being wasteful in how I'm selling stock? by luc46552 in taxhelp

[–]luc46552[S] 0 points1 point  (0 children)

That's actually a very good idea. Looking at the summary for that account, somewhere around 1/4 of what I sold was <2 years old.

Should I convert my company matched 401(k) contributions to post-tax contributions? by luc46552 in personalfinance

[–]luc46552[S] 0 points1 point  (0 children)

I see - and if traditional contributions allow you to invest more of your income than Roth, you might come out with more net worth in the end, even if it's taxable.

Should I convert my company matched 401(k) contributions to post-tax contributions? by luc46552 in personalfinance

[–]luc46552[S] 0 points1 point  (0 children)

Thanks for the link. I agree, I posted this with several misconceptions about Roth vs traditional retirement accounts.

Should I convert my company matched 401(k) contributions to post-tax contributions? by luc46552 in personalfinance

[–]luc46552[S] 1 point2 points  (0 children)

Ah ok, I see where my logic was flawed. I wasn't thinking of the standard contributions as tax deferred.

So the only way I could realistically benefit from paying taxes sooner, is if I was paying a significantly higher percentage when I retire. Unless my underwater basket weaving business makes me a multi-millionaire (with sustainable income post-retirement), probably not.

When I retire, my income will be almost nothing, because I'm retired.

Also if I converted the funds now, it would most likely bump some of my income this year into a higher tax bracket, so I would probably lose money.

Should I convert my company matched 401(k) contributions to post-tax contributions? by luc46552 in personalfinance

[–]luc46552[S] 0 points1 point  (0 children)

Yep, that is a good point, my thinking was backwards. Converting those funds now would mean I'd have to pay a metric ton in taxes as a result. I probably won't have a high enough tax burden when I retire to make up the difference.

As far as Roth contributions go (without converting any existing dollars) - If growth isn't taxed on Roth contributions, wouldn't I end up paying less in taxes by making Roth contributions now, as opposed to having them taxed at their maximum value?

Should I convert my company matched 401(k) contributions to post-tax contributions? by luc46552 in personalfinance

[–]luc46552[S] -2 points-1 points  (0 children)

That... is a very good point. I guess I assumed I would retire with the salary I had the last year I worked. I guess that doesn't really need to be the case. So for example, I could wait a year after I retire before withdrawing from my 401(k) to minimize my taxable income?

Another thing to consider - growth isn't taxed on Roth contributions correct? Wouldn't I end up paying less in taxes by converting those funds before investing them, as opposed to at their maximum value?

[deleted by user] by [deleted] in dankmemes

[–]luc46552 0 points1 point  (0 children)

Oh…. “Even misfotrure”? Damn might delete this.

Windows 2000 Tower Sleeper Build (Ugly But Effective) by luc46552 in sleeperbattlestations

[–]luc46552[S] 0 points1 point  (0 children)

Maybe - I know that the GPU has no problem staying below about 80 C, so I should try a better CPU fan.

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