@djjd62,
djjd62 wrote:
i divide my year into 16ths, or 4 quarters
I don't see what you are getting at here. One quarter is four sixteenths. It is redundant to say that anything is divided into four quarters*, since the noun "quarter" means "each of four equal or corresponding parts into which something is or can be divided".
* Or two halves, or three thirds, or ten tenths, etc.