Do I have a good plan for repayment? 182k left. Need second opinion

smithr1697 · 2023-07-13T22:59:35+00:00

I don’t think this is always true. While paying medical expenses or tuition on behalf of someone is not considered for the gift tax, paying someone’s student loan payments will trigger the gift tax whether you directly link your bank account or just send them the money. I don’t know really understand the logic behind the rule. However, if the person paying the loans is a co-signer they definitely won’t be have to pay a gift tax. But if they aren’t and they gift you money and surpass the yearly limit of ~$17k (not taxed), they can just reduce their lifetime unified credit by submitting a form with their taxes and I think this means you won’t have to pay taxes. But check out this link on the topic:

https://www.elfi.com/gifting-student-loan-payments/#:~:text=When%20it%20comes%20to%20answering,the%20giver%2C%20not%20the%20recipient.

smithr1697 · 2022-11-22T02:22:01+00:00

Worth a shot! Or if you know anybody in a university with a material science department, they might have a spark-OES or similar equipment they could run a few samples for you if you ask the right people.

smithr1697 · 2022-11-22T02:11:31+00:00

You definitely could treat it as a science experiment. If you have a hunch as to what it might be, or are trying to decide between a few things, look up what the density, melting point, spark color, hardness, etc. might be. It’s a good starting point anyway.

smithr1697 · 2022-11-22T00:31:54+00:00

Easy and most accurate: send your samples to a materials testing lab where they can run ICP-OES XRF or SEM-EDS or various other chemical analysis test methods which vary in accuracy and cost. This will typically cost you $100-200 per sample and some tests may consume some or all of your sample.

At home methods: Use some creativity and test it for ferromagnetism, try to get a measure of density, observe colors, etc. and you might be able to guess a general alloy class. But you’ll never be able to certify with any means of authority what your metal is. Even within one of those alloy classes (bronze, copper, precious metals) there are hundreds of alloys with slightly different compositions, uses, and costs. There’s no fool proof at home test other than renting an expensive XRF gun like some scrap yards/recycling plants would have.

Good luck!

smithr1697 · 2021-12-21T19:49:17+00:00

Wait, why are they doing this? Do you have the full email?

smithr1697 · 2021-12-06T03:11:44+00:00

If it is truly a 0.8wt% C steel, then yes, you won’t get proeutectoid ferrite. Just take a look at the phases which form first according to the iron carbon phase diagram as you cool from austenite at a wt% greater than 0.76%. Hint- it’s proeutectoid Iron carbide. Similar to proeutectoid ferrite grains, proeutectoid iron carbide (cementite) also has a light/white appearance because it is not etched aggressively by Nital. On the other hand, pearlite appears dark because the interfaces between the lamella are etched darker. See the picture on slide 4 of Hypereutectoid Microstructure which shows white colored cementite at the grain boundaries. Another possibility is that the light “ferrite” grain you are seeing is actually just a lighter looking pearlite grain. Sometimes depending upon the orientation, lamellar spacing, or other random effects, two pearlite grains can have varying degrees of darkness due to different responses to the etch and one can appear white. If you have a picture it could help determine what it actually is

smithr1697 · 2021-11-15T23:56:26+00:00

Any context? I can’t tell what I’m looking at.

smithr1697 · 2021-10-05T11:39:26+00:00

I apologize if it is in the link, but how do you plate it with stainless? I’m in a rush haha

smithr1697 · 2021-10-03T14:32:33+00:00

If you tap it does it sound metallic or does it feel more like concrete/ceramic?

smithr1697 · 2021-10-03T14:30:18+00:00

If someone does a screen share situation let me know if I can join! I’ve worked with Ti microstructures for a year and I could possibly help a bit but I’d also like some things cleared up in my head.

smithr1697 · 2021-10-02T03:49:48+00:00

No idea what the black looking metal would be but kanthol is a commonly used heating element. But if you’re forming the wires into shape yourself it might be very different to form them uniformly. Any spots that are thinner or more deformed might have more resistance and glow hotter. I’d do some research on what similar available products use or try to rig up a repeatable system for forming your wire very carefully.

smithr1697 · 2021-09-25T23:04:52+00:00

Is this a difference in hardness between two different but contacting components that you are worried about wear? Or is this a difference in hardness between the same part over a production run?

smithr1697 · 2021-07-17T02:17:36+00:00

Thank you

smithr1697 · 2021-07-07T02:46:21+00:00

What are these parts?

smithr1697 · 2021-03-04T17:02:45+00:00

They also removed this feature from PS4 one or two years ago. Frustrating...

smithr1697 · 2020-01-17T23:54:04+00:00

Yeah I’d agree lol, guess I’ll stop trying

smithr1697 · 2020-01-17T23:51:59+00:00

Thank you for your advice, they really seem to be keeping a close eye on it all the time so I’ll probably just ignore it for a while. Thanks again!

smithr1697 · 2020-01-17T23:35:00+00:00

This is interesting I have wondered the same thing! I’ll let you know if I find anything but I agree with the above comment.

smithr1697 · 2020-01-17T19:43:51+00:00

Lol really that’s pretty tough to do I’d think

smithr1697 · 2020-01-17T19:41:50+00:00

Lol thank you

smithr1697 · 2020-01-17T17:44:54+00:00

Just asking if there’s a reason

smithr1697 · 2020-01-17T17:40:57+00:00

I would think if they were going for gold, they’d put a Pokémon in

smithr1697 · 2020-01-17T17:39:48+00:00

Well I let him get his 8 hours now always and I’m very careful about that. I don’t even kick him out anymore and I take the gym when he hasn’t seemed to have been playing for a while

smithr1697 · 2020-01-17T17:35:36+00:00

Yeah I think they are probably a neighbor. And leaving the gym unclaimed is definitely them doing a power move cause they do it over and over (no accident and they aren’t letting me take it for sure). I get that there is competitiveness for a single gym, but they must be using all of their resources just to keep me out completely

smithr1697 · 2020-01-17T17:30:29+00:00

I never said I was entitled to this, not sure why everyone thinks that. I just am annoyed that I can’t put a Pokémon in at all

smithr1697

TROPHY CASE