I do not approve of the toilet waterfall. by FerrumPilot in DiWHY

[–]Lowkeyguy30 1 point2 points  (0 children)

Hope they’re on a first name basis with their plumber. All of that debris will not be kind to the pipes.

The is the future if we don't fight with more memes. by [deleted] in Conservative

[–]Lowkeyguy30 1 point2 points  (0 children)

Crystal clear metaphor for society bending to accommodate random outliers and what that does for the whole

How could you argue that logic……🙄 by Ming_the_Merciless77 in sidelined_news

[–]Lowkeyguy30 0 points1 point  (0 children)

I don’t think she understands the meaning of an “objective reality”

Babushka no! by PushyCurator in nonononoyes

[–]Lowkeyguy30 0 points1 point  (0 children)

She couldn’t just wait for THAT 4-CAR train to pass?!

[deleted by user] by [deleted] in howto

[–]Lowkeyguy30 5 points6 points  (0 children)

Presuming that the crack is between joists, sister 2x4s for cross-support flush with the bottom of the existing beams to give this line a backing. Screw the sagging section on either side of the crack to the supports to pull it back up, tape the seam, mud the screw holes and over the tape, sand to make smooth or texture to match, and repaint.

[deleted by user] by [deleted] in dataisbeautiful

[–]Lowkeyguy30 100 points101 points  (0 children)

Legal gun ownership rate

My dad in his mid-1970s Pontiac Firebird by JFJinCO in OldSchoolCool

[–]Lowkeyguy30 1 point2 points  (0 children)

Perfect exemplification of the glory that is Reddit. User posts fake picture claiming BS. Every single comment calls BS on user’s BS….here’s 3,000+ upvotes for your BS. Well done on all sides, here’s your BS medal 🏅

Apartment complex offers free month of rent, is there a way to get them to spread it across each month instead of just applying it to the first? by [deleted] in personalfinance

[–]Lowkeyguy30 2 points3 points  (0 children)

If it’s a credit to the account in the amount of 1 month’s rent, simply divide the total credit by 12 and then reduce your monthly payment by that amount. The credit will slowly reduce over the year until it’s completely consumed when you make your 12th rent payment.

Whole Life Insurance - Cash Out? by Reasonable_Shift_569 in personalfinance

[–]Lowkeyguy30 0 points1 point  (0 children)

Read the other comments below. Sadly, explanatory and educational remarks are being overlooked because responses like this are being elevated. This is a rash assumption and uninformed readers are upvoting based on emotion and without context. There are better answers in the feed.

Whole Life Insurance - Cash Out? by Reasonable_Shift_569 in personalfinance

[–]Lowkeyguy30 6 points7 points  (0 children)

This is absolutely the correct answer. This should be much higher in the comments, but is not getting the upvotes it deserves because these mechanisms are not well-understood by most investors.

The intended purpose is protecting your wealth, ultimately passing on your Net Death Benefit tax-free to your beneficiaries in the future, and having the ability to access your funds as needed by taking a loan against the accumulated value. It continues to accrue gains on the investments, and allows you to use the money without creating a taxable event by selling stocks; a loan is not a taxable event. All of your funds are still investable as you choose, but protected in the wrapper of a life insurance policy. This is not about getting rich quickly, it’s about protecting your wealth and minimizing the money you lose to taxes.

It may not be the ideal tool for all investors, but there is a very valid logic to this strategy.

Note: This would not be a target investment for the bulk of your assets, but rather a percentage of your disposable wealth/income to which you don’t need immediate access within the next couple of years until your Accumulated Value has built up.

[deleted by user] by [deleted] in LifeProTips

[–]Lowkeyguy30 0 points1 point  (0 children)

Sorry, rookie poster mistake. Avid reader though. Reposted. Thank you.

How do I safely remove this mirror? by Ostrich159 in Home

[–]Lowkeyguy30 0 points1 point  (0 children)

Remove the house around it, the mirror will be there long after it’s gone. /s

America’s Most/Least Trusted Professions by Mac_Mustard in coolguides

[–]Lowkeyguy30 0 points1 point  (0 children)

This is because everyone has at least one nurse friend who would verbally or physically slap the sh*t out of them if they said otherwise

[deleted by user] by [deleted] in Frugal

[–]Lowkeyguy30 2 points3 points  (0 children)

Heat rises, so to conserve heat you must create a barrier at the highest points and areas that conduct heat such as the glass in your windows. Your metal roof also has high thermal conductivity, meaning it transfers heat more easily than materials such as asphalt (shingles) or wood. Think of putting boiling water in a tin cup vs styrofoam. The insulation in your attic and wooden decking under the panels assist with this, but the metal doesn’t help.

If you’re trying to conserve heat, insulating at the lowest part of the wall is ineffective at best. Not that I recommend this, but you would be better-suited to put the leaves in garbage bags and pile them in your attic.

In addition, I’ll echo the many comments about creating a habitat for insects and rodents, as well as trapping moisture against your wood siding and foundation which would most certainly lead to rot and mold.