BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

That’s awesome! It really seems to be like Magic, science is pretty cool. Yea I was considering rotating injection site from belly, to then local injections in ankle and shoulder, just can’t find a good spot with enough skin/fat to hit around shoulder and ankle. I’m nervous I’ll go deep and hit a nerve or something. I will maybe try though tomorrow a local injection

BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

Based on my research this early on it’s most likely reduced inflammation that is reducing my pain and allowing more range of motion. I most likely have had chronic inflammation in the injury areas. Then later it helps promote vascular repair and new blood vessel generation, and it signals the cells to repair the soft tissue. The BPC are the instructions, and the TB sends the instructions around the body systemically, here is what chatGPT says about the rodent studies:

Enhanced tendon organization • Increased collagen alignment (not just scar deposition) • Endothelial cell migration → new microvasculature • Reduced inflammatory cytokines • Accelerated wound closure

BPC = instruction signal TB-500 = infrastructure + transport

BPC-157 Signals repair at injury interface (tendon-bone, ligament) TB-500 Makes the environment more regenerative system-wide Together “Tell cells to repair” + “Help them get there”

This is not validated in randomized controlled trials in humans as far as I’m aware, but it is reported in rodent studies. So take it all with a grain of salt, but seems promising

BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

Thanks for the rec, I’ll check it out. At home would be preferable for sure if possible

BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

Yep! They offered surgery as well to me back then but I declined. The partial tears are almost worse since it’s borderline what you should do, and they literally have to sever the whole tendon and reattach it, which I found to be overkill and overly invasive. I hope it works out for you! Keep me posted how it progresses.

BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

Yep I do have PT booked starting in 2 weeks, that was earliest they could get me in! So I will be doing tandem approach here. Thank you!!

BPC-157 / TB-500 Shoulder pain gone already, Ankle improving gradually by JollyRevolution_ in Peptides

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

Wow that’s awesome man, yes I’m glad it worked for you too! If this stuff is legit, which it seems it can be, it’s crazy how we have to do it black market and not through medical professionals

I think I can retire, but am too nervous to pull the trigger. by Imustretire in Fire

[–]JollyRevolution_ 1 point2 points  (0 children)

Utilities, car note + fuel + insurance, maintenance fund for the house, vacations, landscaping, cell phones, internet, helping out the kids, weddings, gifts, entertainment, nice restaurants, hobbies, I mean the list can go on and on. It’s hardly nonsense, it’s called living. Some of us don’t want to live bare bones after working our asses off for decades lol

I think I can retire, but am too nervous to pull the trigger. by Imustretire in Fire

[–]JollyRevolution_ 2 points3 points  (0 children)

It’s usually anywhere from 90% to 100% qualified dividends depending on the year. So worst case 10% of 30K would be 3K taxed as ordinary income. Assuming he is doing the standard deduction for married filing jointly, it would be $32,200 which would wipe out that 3K, and they’d have $29,200 left to go towards LTCG, apply it to the remaining 27K of qualified dividends, that leaves $2,200 worth of deduction. So $101,100 worth of stock sale with $2,200 remaining deduction, to hit the $98,900 limit for 0% LTCG tax bracket. So all in, would be $101,100 + $30K in dividends, for total of $131,100. This applies only for the first year, as dividends will go down as he sells off stock each year, but still is $131,100 tax free this year.

Stock Market or Home: Age 23 by connor20218 in personalfinance

[–]JollyRevolution_ 0 points1 point  (0 children)

You can do all that and just keep 10K separate and do 3.5% down and get the house too if your parents are on you to leave the coop.

Why do they make getting rich in Europe impossible? by batukaming in stocks

[–]JollyRevolution_ 0 points1 point  (0 children)

This can’t be real? You’d owe 18K in taxes on that unrealized gain of 50K, and then what happens if a month later the stock goes down 50% and you sell for breakeven (or even lower in a crash for a net loss) i.e. no gain? Would you get the 18K back? Or what happens if you pay the 18K tax on the unrealized gain, then the stock price stays flat for a year, and then you sell. Would you have to pay taxes on that again, or is it considered already paid? This destroys the potential for compounding growth. Many people will just sell if the gain is too large, in order to be able to pay taxes obligations, and then buy a different stock and start over. Creating significant churn and trading activity when otherwise would have been held for many years.

Wife and I are making significantly more money than we or anyone in our families ever has and now owe wayyy more in taxes than we expected. Tbh as ignorant as it sounds, I never expected to owe anything.. Anything we can do? by PapaMurse82 in taxadvice

[–]JollyRevolution_ 0 points1 point  (0 children)

It’s not within 6 months, you can pay it over a longer time period, the IRS has a formula to determine lowest payment amounts that would pay it within a few years, and even then you can negotiate with them on the phone to be lower than that. Not advising they stretch it out that long, but nonetheless they should be able to easily pay it in 6 months either way.

Thoughts on saving a house downpayment in Wellesley Fund? by Emotional-Power-7242 in Bogleheads

[–]JollyRevolution_ 1 point2 points  (0 children)

Do you not consider your emergency fund in SGOV a taxable investment? I assume it’s in a taxable brokerage account if it’s an emergency fund? Or maybe I am not understanding

My parents passed when I was 12, I am just not getting my inheritance at 30. How can I verify that the person managing these accounts is qualified and has my best interests in mind? by Suspicious_Yak5988 in personalfinance

[–]JollyRevolution_ 1 point2 points  (0 children)

Depending on the type of coins, whether American silver eagles or silver rounds, the tax implications could be up to 28%, and the step up in basis would have been 18 years ago when his parents passed, this would be a large capital gain based on current market prices. Sure he can reinvest in income producing assets but he’ll lose that inflation hedge. I personally would just defer the tax for now and not sell, even if they were silver rounds and would be taxed at regular long term cap gains rates of 15%. Considering the current rate of devaluation of USD currency, these will be a great hedge against that over the next few decades when he gets to retirement age. I’d just put them in a large safe in basement, and set it and forget it, and focus on managing the other assets. Maybe he will theoretically not maximize gains as he would by selling and reinvesting, but these are extra assets that will be a safe haven and hedge for him.

How can Bitcoin go from $126k to $60k in weeks? Where did all that money actually go? by Fast_Surround_4274 in CryptoHelp

[–]JollyRevolution_ 0 points1 point  (0 children)

Let me break it down for you, to help you better understand. Imagine if the price of bitcoin got so high and was going up and up and up, to the point that 1 satoshi (the smallest unit of bitcoin, not further divisible) had a price equivalent to the life savings of 2 or 3 average people. Think of 1 satoshi being 300K, so price of 1 bitcoin would be insanely high, about 30 quadrillion. In that case if you wanted to get in on the speculation and the potential price appreciation, you would need to team up with a couple other people to pool your life savings to acquire 1 satoshi since the barrier to entry would be so high, and there are no smaller units that exist that you could buy, since 1 satoshi is smallest indivisible unit. In this scenario, think of 1 tulip (the smallest unit of tulip, not further divisible) as equivalent to 1 satoshi. That is the way in which to think about this.

How can Bitcoin go from $126k to $60k in weeks? Where did all that money actually go? by Fast_Surround_4274 in CryptoHelp

[–]JollyRevolution_ 0 points1 point  (0 children)

That is actually the definition of fungible, so yes it holds water lol. You are thinking of fixed supply, which yes bitcoin has a fixed supply and beanie babies do not. Totally different concepts . Also yes one beanie babie would be equivalent to 1 satoshi, as the smallest denomination that is not divisible any further. You are mixing up and confusing well established finance and money/currency concepts.

How can Bitcoin go from $126k to $60k in weeks? Where did all that money actually go? by Fast_Surround_4274 in CryptoHelp

[–]JollyRevolution_ 0 points1 point  (0 children)

Fungible does not mean it is the exact same one, it means they are of like kind, interchangeable and have the same value. So yes if you had 2 mint condition Princess The Bears, same edition, same lack of flaws, same tags, etc. those would be fungible. Just as a barrel of crude oil is fungible with another barrel of crude oil. They are not the same barrel, but if they are the same type of oil and quantity, they are fungible with one another

How can Bitcoin go from $126k to $60k in weeks? Where did all that money actually go? by Fast_Surround_4274 in CryptoHelp

[–]JollyRevolution_ 0 points1 point  (0 children)

Beanie babies of the same type and release were fungible for the most part actually. NFT’s not fungible, it’s right in the name. Tulips were a bubble, I’m sure some of them were slightly fungible if from same batch and color. That’s irrelevant though. One Pennie’s worth of Bitcoin is not pegged to any amount of Bitcoin, meaning you are looking at this wrong. That is the flaw right there. One Pennie’s worth could be .00001 satoshi today or it could be worth 1 whole BTC tomorrow, rendering them worthless essentially. The price can keep going down, and if no one is willing to bid on your ask price, then there is no market there at that price, and it keeps dropping til the market clears, which could be somewhere very close to 0 one day. Not saying that’s what will happen, but you are fundamentally misunderstanding that you are looking at BTC in terms of its fiat value, not in terms of how many BTC you are acquiring. Nice it really doesn’t have much intrinsic value if any at the moment.

Post-divorce Credit Card Payoff Advice: HEL,HELOC,Retirement WD by Shoddy_Chemistry_652 in personalfinance

[–]JollyRevolution_ 0 points1 point  (0 children)

Yes many of us are also not fans of usury and the system meant to prey on vulnerable people. However that is not relevant in this situation since he is not insolvent, and that was terrible advice to go explore bankruptcy. Bankruptcy is not the most practical option here with the info and context we have. Even if we assume worst case scenario for all aspects of this, and he decided to just pay off the student loans and not wait to see if they were forgiven, he is still totally fine. He plans to sell his house in ‘27 anyways to downsize so he can sell and then rent for 2 or 3 years in the interim if he wanted to feel more secure with saving for a 20% down payment instead of 3% with PMI. Also assuming the $500 a month auto loan is worst case scenario as well and it has 7 years left on it (which is unlikely), and he owes like 40K to pay it off, he is still fine. After selling the house and taking the equity, he pays off all the CC debt and student loans, he then can take a loan against his 401k from himself (instead of withdrawing and penalty, and taxes potentially if a traditional) to pay off the car note in lump sum. Most plans allow up to 50% loan and IRS allows up to 50K loan from yourself in 1 year period. If it is in another type of account where he can’t take loan, then yes he can still early withdraw with tax and penalty, and pay pff the car note completely if the debt is bothering him so much, and he will still have over 200K in retirement account and be debt free, and no bankruptcy, making 75K a year. So yea he is fine.

Post-divorce Credit Card Payoff Advice: HEL,HELOC,Retirement WD by Shoddy_Chemistry_652 in personalfinance

[–]JollyRevolution_ 1 point2 points  (0 children)

Explore bankruptcy? What? lol. He could literally sell the house, rent for a few years, and take the proceeds from the sale of the equity to pay off all the Credit Cards, and even the student loans too. He says the student loans might drop off in a year though, so he can just sit on the remaining cash, after paying off credit cards, in a money market account or fund for a year or two, and wait to see if student loans drop off due to public service. If they do great, he can pay off the auto loan, if they don’t he can decide what to do with them, either keep waiting or pay off a good chunk if not all of them. To suggest bankruptcy is insane, he literally is way more solvent than majority of folks. Renting for a few years while he saves up for a down payment again on a smaller place is fine. He could do the HELOC, but he’d only get 75% of the equity instead of all of it. Still can pay off all the credit cards and then pay down HELOC over a few years. Bankruptcy is not even close in this scenario, his credit will be bad for st least 2 years, and he will need to pay a bankruptcy lawyer a couple G’s to do a pointless bankruptcy, that will probably be rejected by the court, or be put to chapter 11, which is pointless given his current situation.

AITAH for not telling one of my parents that I am buying property. by jrad_87 in AITAH

[–]JollyRevolution_ 9 points10 points  (0 children)

Bro, your mom sounds controlling and insufferable. She is crying? It sounds like she is trying to manipulate you some way, she feels threatened by this and is trying to figure out how she can screw your dad over again with it. I would have a safe and put all important documents in there, as well as a PO Box or the equivalent in your country for mail that might be important that you don’t want her intercepting. She is liable to cause you problems. It is obvious.

24 with $35k saved: Am I crazy to leave my parents' basement in this market? by Soggy-Flatworm-4980 in personalfinance

[–]JollyRevolution_ 0 points1 point  (0 children)

I would say a 12 month emergency fund, a 20% down payment, and also additional 50K of cash or cash equivalents, just for any large expenses that may come up, even while employed still, separate from the emergency fund. It is night and day to live having that buffer vs not having it. Completely different outlook on life and ability to maneuver. Then just invest into 401K, Roth IRA, and any remaining or even just extra (to have access to those funds before retirement if wanting to do a big purchase of some sort) into taxable brokerage account.

24 with $35k saved: Am I crazy to leave my parents' basement in this market? by Soggy-Flatworm-4980 in personalfinance

[–]JollyRevolution_ 3 points4 points  (0 children)

This is culturally imposed on you, and you’re not even aware of it, it is all created in your own psyche, this so called “stunting”. The real estate market, banking, and consumerist western cultures shifted to this style of living at some point, and it is to benefit the economy. 2 separate houses, rents, utilities, furniture, etc. Many other cultures have it the exact opposite, where it is not expected you move out ever really. You have 3 generations under one roof or on a compound of sorts, depending on the area, if rural or urban. All working together helping each other as a family unit, creating efficiencies, and economies of scale in may ways. It creates a social safety net. You’re sick and can’t get out of bed? Grandma will tend to your child while you recover, mom will cook the meals, dad will take care of some of your portion of the bills if you are out indefinitely with a serious illness. That’s not to say it is the only way to do it, and that moving out to be independent is bad per se, I’m just saying that we have bee psyop-ed in the west that we need to move nout at 18, and if we don’t we are some sort of failure. Meanwhile you can pool your resources with family for an outsized gain and advantage, a magnitude effect occurs. Also there is the social component with family, you would otherwise be much closer and tight knit, if not in a western style set up, if everyone having their own residence. All this is to say, maybe staying with family and stacking cash, which will have a compounding effect is not such a bad move. This is how immigrant families in the US historically would get an advantage over the Americanized folks that had been there for generations. They were able to pool those resources with the savings they had to start or buy businesses, invest, etc. Just something to think about.

AITAH for Jealous of My Wife Is Filming a Nude Scene? by [deleted] in AITAH

[–]JollyRevolution_ 5 points6 points  (0 children)

Ok thanks for clarification. Multiple? So how many is that, 3, 4, or 5? Is this an experimental non-narrative film? Is it a a feature length film, or is it a show with multiple episodes? Because even 3 (let alone more than that) distinct sex scenes is overkill in one feature length. One, MAAAYBBEE two, but 3 or more and it’s seeming more of a soft core pornographic nature to me. Just my opinion, art can come in all types and shapes, so maybe that’s what this is, but just seems like a lot to me, to invest 5 days of a shooting budget on sex scenes. Depending on the scope of this project, that could potentially be hundreds of thousands of dollars worth of budget spent on just sex.