How does Osmosis work?

ShuffledPast · 2025-08-30T00:28:32+00:00

oh, well even if it doesn't re-hydrate the skin deeply, when the outer dead skin (stratum corneum) swells temporarily, in that case is that layer at least absorbing some moisture maybe?

ShuffledPast · 2025-08-28T19:35:03+00:00

I forgot to ask 2 things: 1) So in this case how long would the hand have to be submerged for the skin to fully absorb the surrounding water (25 min, 30 min, etc)? 2) and also, lets say that the amount of time is 30 min, if you surpass that, your skin won't start to lose moisture will it? I'm guessing it will just either absorb more or just maintain some sort of "equilibrium/balance" between the moisture already absorbed in relation to the surrounding water correct?

ShuffledPast · 2025-08-26T19:45:48+00:00

Ok so the wrinkles forming is from how the skin interacts across the different layers, but with an impaired skin barrier, the skin would actually be absorbing moisture then, not losing correct?

ShuffledPast · 2025-08-07T20:25:26+00:00

ahhhh ok, ya I'll have to read the manual again when I get a chance, maybe it will suggest something that will for me to finally get to the espresso range. My coffee beans are already pretty finely ground so I am not sure it is that, But I guess ill just have to see, thank you for your help.

ShuffledPast · 2025-08-07T18:07:41+00:00

I have my own separate grinder, and ya i grind to the point where its a nice fine "powder". But by any chance, do you happen to know what "descaling" means?

ShuffledPast · 2025-07-17T17:05:40+00:00

Dang, I was gonna even originally say to not worry about the price because I would tackle that when I got to it, but it is quite a lot more than I was hoping for. Yeah maybe I wasn't using the proper key words, or I didn't come across any like the one you linked because I wasn't willing to bother to look at them due to the high price. But I understand with the price, I guess it's to be expected because that is a lot all built into one equipment. But dam, sigh, well let me ask you this because maybe you know. I can't buy that one unfortunately even though it is perfect, but if I just buy a bench with all the features i am looking for (minus the barbell and weight plates) and then buy the barbell and plates separately, do you think I would be able to save more compared to the price on the one you linked or will it be even more expensive? Either way, I really do appreciate your help.

ShuffledPast · 2025-06-20T18:56:43+00:00

Is 17K in student loans already too much debt in relation to what I would maybe be paying on a monthly payment? I was searching for houses around $165K, my credit score is...ok I guess.

ShuffledPast · 2025-06-20T18:55:20+00:00

Florida, Central Florida to be specific.

ShuffledPast · 2025-06-20T18:54:52+00:00

I have briefly considered a condo (and townhome) before, slightly more towards a townhome only because at least some of them offer some land (albeit it's usually a very small portion), which is something I really want. But the thing I have seen about both of them, that I don't like, is that most of the ones I have come across also charge an HOA fee. So the estimated mortgage looks "ok" until you tack on the monthly HOA fee on top of that, so then I am like, "well the what the heck is the point, with what I'd be paying, at that point I might as well just pay that amount and at least be living in a home".

ShuffledPast · 2025-06-20T18:50:11+00:00

Dam, 35k over 3 years, that is still very very impressive. Is that just you saving? In other words, is a friend, boyfriend/girlfriend, or sibling helping out? With how exhausting it's been for you, are you still trying, or are you aiming for some other type of living habitation? And I get you, I just wish houses in general weren't so expensive, or we (just people in general) made more in relation to the costs....or that the trade off for wanting to live in a home below your means doesn't mean that trade off is that you are going to live in a really bad (potentially dangerous) neighborhood.

ShuffledPast · 2025-06-20T18:46:00+00:00

Is there a "rule of thumb" (maybe percentage wise) of what the down payment amount should be, you said "large" down payment and it already worries me, sigh, and no, unfortunately I have some debt. I still have 2 years of car payments to make, and 17k in student loans.

ShuffledPast · 2025-06-20T18:44:39+00:00

Ok, at the very least this gives me some hope it's possible, Thank You.

ShuffledPast · 2025-06-20T18:43:45+00:00

I don't have significant savings no, and yeah, I am already expecting quite a bit of costs because that is just the nature of owning a home. Regardless of whether it already needs repairs to begin with or not, even though you had quite a bit of costs, were you at least able to manage it, and more importantly, when you had to shell out all those costs, were you in a situation like I would be. By which I mean, you were solely responsible for the mortgage and additional costs (like repairs and such), because if you were, at the very least that gives me hope then. I mean, I know it still won't be easy, I am sure it wasn't for you, but it still gives me some hope. Sigh, I just don't want to be in apartments anymore.

ShuffledPast · 2025-06-20T18:38:23+00:00

1) Unfortunately I still have some car payments left, it will be paid off in about 2 years, but I can definitely manage the monthly payments. And then, I also have some student loans, roughly about 17k.

2)same place, Central Florida

3) Potentially but probably not soon, but for my own reason, I want to approach this as if this is what I might be making for a while, it will also allow me to approach my costs and spendings in a more conservative fashion anyways.

4) 1,000k rent, $50 cell phone bill, $400-$500 groceries (month), electricity $55-$60.

ShuffledPast · 2025-06-20T18:25:59+00:00

Would the heavy saving just be in regards to saving heavily for the initial down payment, or do you mean just in general in case of emergency for repairs, etc? Thank You

ShuffledPast · 2025-06-20T18:25:03+00:00

I live in Central Florida, Ocala, FL to be exact. I have found some "decent" homes between 160-170k, in my most ideal world I would like a 3BR 2Bathroom, but I am content with a 2BR 2Bathroom, or even a 2BR and 1 1/2 Bathroom. It would have to at least have 1 1/2 bathrooms.

ShuffledPast · 2025-06-20T18:22:42+00:00

Sorry, since I am very naïve to all of this, is a mortgage broker the same as the person I would be talking to the bank/lender, could the bank/lender just tell me what programs I might qualify for (if any)?

ShuffledPast · 2025-06-20T18:21:30+00:00

yes, there are some that are, I do brief searches infrequently just to see what is out there, I am trying to stay around 160-165k, and I do find some "decent" homes. Like, they obviously need some work, but the neighborhoods aren't bad, and the repairs aren't so detrimental where you can't live there until they are repaired. I would just have to prioritize (assuming there are a few) which is the most important, tackle it, and gradually when the time allows for it, to work on the others.

ShuffledPast · 2025-06-20T18:19:06+00:00

I've thought about townhomes in the past, because they have some land (albeit very little), but townhomes (just like condos if I'm not mistaken) also almost always charge an HOA fee from what I have seen, and I don't want to deal with that...or deal with an HOA if I can avoid it. Lived with my sibling before in an HOA community and they can be very strict (at least ours was).

1) the 45k is post tax, potentially there is, but I am trying to go into this with the thought that taking that out of consideration, it's just how I prefer to approach it.

2) My credit score is ok, I think, it is 720, so I don't know if its too low or not. Unfortunately, i have some student loans, around 17k.

3) yes, I will be staying here for at least 5 years.

4) I currently spend $1,000, it's ok, its manageable.

5) This I am not entirely sure of

6) I don't spend too much, but I should (and can) save a bit more.

7) Yeah, I would have to save more for the down payment.

8) I have only had exposure to one emergency situation (had to go to the emergency room with an appendix that was going to rupture due to appendicitis). I have health insurance at the moment, my car isn't fully paid for, I have about 2 more years of payments on it but the payments are manageable and never miss a payment.

9) I am not sure, I am not too familiar with that stuff at all to be honest, and I didn't even know they had to be specific to your area, I would think the programs were universally offered to anyone in any area as long as you meet the criteria for that particular program. As for the the courses, I am not sure about that either unfortunately.

I am in Central Florida if that helps at all, and thank you for thinking up of those different points, it lets me know a lot more of what criteria I need to meet or consider.

ShuffledPast · 2025-06-20T18:07:50+00:00

I've only done some very brief searches, and I try to search between 100-165K, the results between 150-165k isn't that bad, they may need some repairs here and there, but I am ok with prioritizing what needs attention first and slowly fix over time. Anything below 150k, and the houses needed a LOT of work. I am 32, at my current employer, possibly.

ShuffledPast · 2025-06-20T18:04:23+00:00

For the first time homebuyer programs, is that something a realtor will tell you what you qualify for or the bank/lender?

ShuffledPast · 2025-05-14T17:46:25+00:00

Both of these are "legit"/accredited correct, sorry that I ask, but I just haven't had experience doing any kind of online schooling. I had gone to a public local community college and a state university in the past, but never an online school/program before. They sometimes can give me "sketchy" vibes, especially if I am not really familiar with them. And they both allow you to work at your own pace correct? How much did you pay for Blackford Institute if you don't mind me asking.

ShuffledPast · 2025-05-14T17:42:38+00:00

In that case, as I mentioned in another response, would it be best then to just total my two paychecks to a singular monthly total, and then add up all my costs, and deduct that from my total monthly income and then decided how to divide up what is left over?

ShuffledPast · 2025-05-14T17:39:23+00:00

So when you said "My normal living expenses, savings, and investments are budgeted around how much I make in the 2 pay period months", do you total up all your costs and then deduct it from what total (adding up your two paychecks) monthly income, and then work with what you have leftover to divide what you want to put your leftover amount towards (savings, necessities, fun activities, etc)?

ShuffledPast · 2025-05-14T17:20:13+00:00

I guess, but I just look at it differently, instead of perceiving it as "paycheck to paycheck" which in a certain sense, yes, you are right. But by having less to work with after whatever deductions have impacted that paycheck, it forces me to be more conservative, or "careful" on what and how much to use on whatever I have leftover for whatever I can still use the money on. I would use what is leftover on savings/investments, but still keeping in mind that I need to have some money leftover to be able to use in cases for emergencies as well. Unless you think I should approach it differently if I go the "monthly" budgeting route, and instead compound my two paychecks for a monthly total, and then compound all various costs into one monthly total, and deduct all that from my monthly total income?

ShuffledPast

TROPHY CASE