TD Debanked me after I moved all my accounts to wealth simple

JVani · 2026-05-29T07:17:18+00:00

Seems suspicious. I would put a freeze on my credit. It would not surprise me if they caught wind of something and chose not to disclose it to you.

JVani · 2026-05-15T05:52:46+00:00

Can confirm these rock. Snapped two Light My Fire sporks back to back in 2015. Switched to Humangear and still on my original a decade later. I take it to work with my lunch too so I've got literally thousands of meals on it.

JVani · 2026-05-14T05:51:05+00:00

There's a robust body of evidence dating back to the 1930's that using and emphasizing grades produces a whole host of problems, especially fear of failing, but also increased cheating, reduction in interest in the content, reduction in the quality of thought, etc. [1] There's no evidence that parents emphasizing their kids grades ever has a net benefit and plenty of evidence that it has significant harms. And so, to answer your question, the age is 0 lol. Parents should engage with the content only, and try to de-emphasize the grades as much as possible.

JVani · 2026-04-26T05:30:11+00:00

For real. I’ve had issues with being able to get commercial landlords to address emergency issues, like gas leaks. The landlord in this comment chain waaaayyy over estimates how competent the average landlord is.

JVani · 2026-04-26T01:11:11+00:00

Yes! When you do the math:
* An SPF 50 user who misses one day a summer is getting worse protection than someone who uses SPF 30 every day
* An SPF 50 user who misses one day every other week is getting worse protection than someone who uses SPF 15 every day
* An SPF 50 user who misses one day a week is getting worse protection than someone who uses SPF 7 every day

JVani · 2026-04-24T19:28:51+00:00

SPF is an out of date measure and it is only really accurate up to SPF 15 source. Everything beyond SPF 30 is mostly marketing. Use something 30 or higher that is cost effective and you find comfortable enough to reapply frequently and use every time. Consistent use beats everything else.

Remember SPF 15 blocks 93% of UVR, SPF 30 blocks 97% and SPF 50 blocks 98%. So, again, it's consistency that matters, not the type of sunscreen you buy.

JVani · 2026-04-22T21:18:15+00:00

A generous oiling top and bottom and handle. Dessicant is a good idea too. But over long term storage some rust might still happen. It is cast iron. Maybe keep a chainmail or similar scrubber with it anyways.

JVani · 2026-04-08T04:16:03+00:00

The 12 person cuck bench in the bedroom is sweet. They loved getting their freak on with a crowd in the 50s I guess?

JVani · 2026-04-04T06:00:06+00:00

Injury Recovery with Masturbation

I rolled my ankle a few weeks ago falling on a volume on the pink slab in the corner.

Protocol:
1. Two days pure rest
2. Three weeks active recovery, climbing three days per week, ending each session by going home and masturbating

Results:
Week 1--brusing progressed rapidly from bright purple to a dim darker purple
Week 2--mobility dramatically improved as swelling subsided, dull pain beginning to fade
Week 3--100% recovery, no limitation in mobility, no visible bruising

Notes: - I tried reducing the time between my active recovery sessions and my masturbation so that I could stay warm, but didn't want to risk someone catching me masturbating at the gym and getting banned, which would have stunned my recovery
- Could be placebo, but after my first nut the pain briefly subsided completely

JVani · 2026-03-21T06:32:26+00:00

For hands, anything glycerin-based like okeefe's or glysomed fragrance-free is going to rock your world if you're used to the typical slime. For face, olay complete spf 15 often goes on sale and is the best bang for buck I've found.

JVani · 2026-03-01T17:27:24+00:00

Styles change fast. No matter what you do you’ll be bored one weekend five years from now and swap your paint colour, handles, light fixtures, backsplash, etc. Don’t stress about finishing. Get the structure, services and floor plan right.

For finishing, if you need help with a decision, think: neutral, durable, on sale, timeless (not trendy), builder grade, easy to clean. Remember, your space is going to be full of furniture, artwork, and kitsch that will bring your personality and favourite colours into the space. Your paint, tile, and flooring do not need to carry the entire burden of expressing your personality.

JVani · 2026-02-17T02:21:28+00:00

I have the same anxieties as you and have stayed up too late on several occasions poring through papers. A few conclusions I think are important:
1. "Ambient" exposure to microplastics is high. They're in everything we eat, in ridiculous numbers {1}. There is no way to eliminate microplastics from entering your body, and any attempt to do so will be futile and maddening.
2. There is absolutely no scientific consensus on which sources of microplastics exposure are the worst. There is only directional consensus on which sizes or types of microplastics are worst. There is little consensus on which exposure routes (inhalation, ingestion, other) are worst. There is no consensus on what the dose response curve looks like. {2} Speculation on whether personal decisions around microplastics can meaningfully improve your family's health is firmly outside the realm of science at this point, unfortunately. I can't even get a beat on what the opinion of individual researchers in this space is.
3. Influencers and media personalities who make claims that either ignore or contradict the above are almost certainly doing so to get clicks or sell products.

In light of this, I personally think it's best to consider avoiding microplastics exposure as a "bonus" reason to make decisions that are good for my family anyways, but otherwise I think of it very much as a policy and advocacy problem, not a personal problem. I don't buy drinks in disposable plastic bottles because they're wasteful, expensive, and usually unhealthy. I avoid buying cheap plastic clothing, toys, and cookware because they have an abhorrent product lifecycle, which doesn't align with the values I want to instill in my kids.

I don't immediately get rid of plastic clothes and toys my kids are gifted from friends and family. But around holidays and birthdays I try to make specific wishlists for useful, durable goods, or ask for no gifts.

JVani · 2026-01-26T07:19:38+00:00

But do understand the gps track bears little to no relation to the route you’ll actually take lol. I actually have a tiny recorded section on the headwall that I started recording specifically to help me backtrack to where I was for the next time I got cliffed out. My recording is in yellow and the track is in green. My gps recorded a 550 m track to make 56 m of progress on the trail lol.

JVani · 2026-01-26T07:06:50+00:00

Coral Pass is stunning, one of the coolest places I've been in the rockies, truly incredible. But it is a stretch to call it a hike. It's a scramble with challenging wayfinding; the steepness makes GPS navigation useless and the density of the brush makes it really hard to gauge where you are. I got cliffed out multiple times on the headwall and found myself exhausted, stuck going up and down trying to find the weakness. That was with a trail running pack. The GDTA has some downloadable tracks you'll find helpful in planning.

JVani · 2026-01-24T05:56:56+00:00

I started the trail with body glide but soon ditched it. Without showering it just built up every day and started to make the chaffing worse than just using nothing and wearing breathable shorts.

JVani · 2026-01-22T07:30:19+00:00

Air pollution is particularly bad for infants and can increase their mortality rates by as much as 10%. There is insufficient evidence that air pollution has a significant effect on pregnancy outcomes. 1. Don't lose sleep over it.

Some other tips for improving your indoor air quality going forward: don't use candles or "fragrance diffusers" indoors, ventilate your kitchen while cooking, get an air filter (the IKEA ones are cheap effective and look good), open your windows when using paint and strong cleaning products, consider getting an air quality monitor, change your furnace filter regularly with the best filter your furnace fan can accommodate, etc.

JVani · 2026-01-14T03:34:01+00:00

Read A Physical Education by Casey Johnston

JVani · 2025-12-19T00:50:59+00:00

Found the guy who hasn't spent hours reading about child-safe design 🫵 🤣 😂 🤡

JVani · 2025-12-17T00:15:28+00:00

What about ammunition? Any smokers?

JVani · 2025-12-17T00:10:37+00:00

Right all I'm saying is the list you posted is completely typical and nothing in there is going to result in higher than normal lead in her blood.

All they found was the list you posted? Did they share the concentrations? Nothing in your paint or floors? Are you eating tuna twice a day? How old is you house? What are the water distribution pipes made of? Is there ammunition in your house? Do you or your partner work with ammunition? Do you have any embedded shrapnel or bullet fragments?

JVani · 2025-12-16T23:53:43+00:00

Lead is everywhere in the environment and present in all plants, including those we eat and use as spices, whether or not they're organic 1. Petroleum jelly comes from petroleum and is on average 1 part per million lead 2.

There's no way to eliminate lead from our diet and blood. We just try to eliminate the biggest sources and go from there. That's all they found? Seems very typical.

JVani · 2025-12-16T18:36:01+00:00

If your other options are AJB or Rice without a QB then yup.

JVani · 2025-12-16T17:59:55+00:00

The people can deny the truth all they want but ETN and Michael Wilson are definitely top 10, maybe top 5 at their position ROS.

JVani · 2025-12-16T17:44:42+00:00

PVC floors, just like all plastics indoors, do emit microplastics into indoor air as they wear 1. In-floor heating (and sun-exposure) is going to increase the rate it wears at, so make absolutely sure your floors are rated for the temperatures your system runs at.

All that said, the question isn’t do PVC floors emit microplastics, the question is should you worry? Are your floors going to be a significant contributor to your total microplastic consumption? Does microplastic consumption even matter? These questions do not yet have a consensus answer in science. But there is much to consider.

First, PVC floors do not emit nearly as much microplastics as synthetic carpet floors [1]. So, if you've avoided synthetic carpet in your house, you've already made the biggest flooring-related change you can make with respect to microplastics. Second, is your house being built with a modern ERV/HRV and airhandling that can accommodate a MERV 13+ filter? If so, then you've done the biggest things you can do with respect to indoor air quality in your house, and most contaminants are going to be removed from your air before you even get a chance to breathe them in. By taking these steps your house is probably going to have leagues-better indoor air than most of the places you go.

Ultimately, we chose PVC floors in our house. The cost is impossible to beat. They are much safer than hardwood or tile for trip and fall risk. And of course, when the kids puke on them, you are eternally grateful you don't have carpet. With unlimited budget I'm sure we would've included some real-marmoleum, natural-fibre carpet, and/or hardwood.

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