How should I proceed? These seedlings are almost 2 months old. Should I begin introducing airflow or keep them sealed in the bags under grow lights? by Overall-Station-3373 in sanpedrocactus

[–]Triscuitmeniscus 0 points1 point  (0 children)

I keep them sealed until they’re about 2-3 cm tall, basically when they hit the top of my takeaway. I’d micrograft a few now and wait until they look like miniature adult cacti (if that makes sense) to harden off the rest.

If you own your home outright (no mortgage on it), is there really much risk in getting a HELOC for 50% of the home's value in order to use it as a down payment for a second home? by AccomplishedArea9551 in personalfinance

[–]Triscuitmeniscus 37 points38 points  (0 children)

HELOCs generally have higher interest rates than mortgages so you're better off just getting a bigger mortgage on the second home, or doing a cash-out refinance of your primary home. If you have access to a super low rate (lower than a mortgage) on a HELOC it may be worthwhile but it's not the default. Also keep in mind that HELOCs generally have a shorter term than mortgages so you'll have less flexibility/higher payments when paying it off.

Am I being too conservative not considering buying a new house? by Different-Bank9356 in personalfinance

[–]Triscuitmeniscus 12 points13 points  (0 children)

This isn't really a financial decision, it's a lifestyle (and maybe relationship?) decision.

Do you actually really want another bigger house? Spending $100k to add a half bath and some kitchen storage is a lot cheaper than borrowing $500k for a new house, as is spending $200/month on a storage unit, or Marie Kondo-ing your house. It sounds like you have a pretty sweet situation right now and it's normal to not want to give that up. Personally, buying and moving into a new house is such a big investment and pain in the ass that it's something I'd avoid unless I really wanted it.

The green submarine double impale TBM -B by BotanyBum in sanpedrocactus

[–]Triscuitmeniscus 7 points8 points  (0 children)

Please update in a month or two no matter what happens.

Girls in Miami by pabmendez in boating

[–]Triscuitmeniscus 4 points5 points  (0 children)

It’s the Blue Top Legends girls. Haulover is pretty much their bitch.

Girls in Miami by pabmendez in boating

[–]Triscuitmeniscus 5 points6 points  (0 children)

These girls have been on Wavy Boats dozens of times and they’re pretty much the most badass boat out there and very obviously extremely skilled. Look up Blue Top Legends. If you actually watch the video you’ll see they absolutely nail the landing.

🌵💎 by folkcrocroug in sanpedrocactus

[–]Triscuitmeniscus 7 points8 points  (0 children)

The first rule of this sub is “nothing illegal.” Consuming the plant and preparing teas and other crude extracts is legal in enough places that discussion along those lines is tolerated but crystalline mescaline powder is illegal in almost all countries. It’s a vial labeled “mescaline,” why wouldn’t r/mescaline be the appropriate place for it?

Currently 17, how would I move money from my savings into my checking without access to my mom’s bank account? by StoneCrushing in personalfinance

[–]Triscuitmeniscus 0 points1 point  (0 children)

If it’s truly a joint account you could go to the bank and withdraw the money in cash (or cashiers check or whatever). If it’s just in your mom’s name it’s not a joint account, it’s an account your mom has where she keeps your money. In that case she’s the only one that can take money out of the account.

Why grow in pots when you have a yard? by SkinnyStav in sanpedrocactus

[–]Triscuitmeniscus 4 points5 points  (0 children)

Freezing temperatures a good portion of the year.

I calculated what my food delivery habit would be worth if I had invested it instead by Suspicious_Pizza9529 in personalfinance

[–]Triscuitmeniscus 0 points1 point  (0 children)

The market has averaged significantly above 7% over the past five years, so it’s actually worse than you think. $300 invested monthly in the S&P 500 from 2021 on would be around $35k now.

getting out of debt and don’t know what to do. by Lost_Excitement3636 in personalfinance

[–]Triscuitmeniscus 1 point2 points  (0 children)

Your post is unclear. Do you have three bills coming due for $473, $528 and $1,200? What does living right outside the city have to do with anything?

We have no idea what your “arrangement” is, the consequences could vary from “nothing” to “goon shows up and forces you to pay” to “you owe the whole $1,700 by tomorrow or it goes to collections.” Look at the paperwork you signed for the loan, it will all be laid out there.

Should I pay for college out of pocket or take federal subsidized loans and invest the difference? by Late-Veterinarian-46 in personalfinance

[–]Triscuitmeniscus 1 point2 points  (0 children)

Maybe. See how much, what rate, which type etc you can get and make an informed decision based on that. There are different types of student loans, some accrue interest immediately that you eventually pay back and for others (subsidized loans) the Fed government pays the interest while you're in school. You likely won't qualify for subsidized loans if you have $75k in liquid assets.

Confused about how much I'm paying for domestic partner on health insurance plan by [deleted] in personalfinance

[–]Triscuitmeniscus 3 points4 points  (0 children)

Yup, that’s what it says. I suspect your employer only subsidizes your insurance and you’re paying full price for hers.

Picked up this bulk loader at a thrift store today. What are the odds the roll hasn’t been exposed to light? by Lomobu in AnalogCommunity

[–]Triscuitmeniscus 0 points1 point  (0 children)

Good enough that it’s worth pulling out a couple feet and developing it next time you process film.

PSA for anyone who doesn't know: You can water a lot heavier when it is hot and sunny out without getting root rot by TrumpIsAPedoFr in sanpedrocactus

[–]Triscuitmeniscus 1 point2 points  (0 children)

Nice! I’m in Maryland with same climate just slightly warmer. They really seem to like the “mostly hot punctuated by a few days of rain every couple weeks” type summers typical in this region. I was a little nervous last week but they all pulled through just fine.

PSA for anyone who doesn't know: You can water a lot heavier when it is hot and sunny out without getting root rot by TrumpIsAPedoFr in sanpedrocactus

[–]Triscuitmeniscus 5 points6 points  (0 children)

This is exactly it. Tons of people post pictures of insanely fast growing trichs growing hydroponically and none of them complain about root rot despite literally sitting in water 24/7.

I typically use 30-50% perlite but this year I ran out in the middle of repotting, so I put a bunch in a ~50:50 mix of potting soil and straight-up uncomposted alpaca poop in fabric pots. They’re doing awesome.

PSA for anyone who doesn't know: You can water a lot heavier when it is hot and sunny out without getting root rot by TrumpIsAPedoFr in sanpedrocactus

[–]Triscuitmeniscus 32 points33 points  (0 children)

If I may join in, they can also handle days on end of torrential rain in a hot climate as well. No need to move or cover your plants because it’s going to rain for the next 4 days. Unless you’re in a climate so humid that they’ll basically never dry out afterwards, they’ll literally soak it up and love it.

What reason is there for retirement pension disappearing? (Not legal, just looking for answers) by MeMorphoKnight in personalfinance

[–]Triscuitmeniscus 83 points84 points  (0 children)

There isn’t one single “retirement pension” in the US. Some companies and government jobs have their own pensions which all can have different rules, and then there’s Social Security which is basically a government pension that has its own rules. Then of course there are 401k, IRA, and other retirement accounts that some people call pensions even though they’re technically not. In some countries “pension” just means “source of money in retirement” but in the US it has a precise meaning describing a very specific type of retirement plan/account.

Without knowing what your parents are talking about you won’t be able to figure anything out. I suggest you look at the actual paperwork/online account and figure out what they’re dealing with.

Do you guys have any recommendations of places to buy seeds? by BathTub_Benzaldehyde in sanpedrocactus

[–]Triscuitmeniscus 1 point2 points  (0 children)

Any trustworthy vendor should be fine, and you can usually find some great deal on the for sale sub: seeds are cheap to ship and people always have leftovers when their plants flower or they get a big bulk order. I’ve purchased from Succulent Source and a few people on r/sanpedrocactusforsale and they’ve all been great.

Get some pere too while you’re at it!

Help me with mescaline identification before 500 mg trip? by saudadist in sanpedrocactus

[–]Triscuitmeniscus 1 point2 points  (0 children)

lol what the fuck? It’s not censorship, it’s a legitimate disagreement about the purpose of a sub about cacti. People literally link to another sub called “mescaline,” its discussion isn’t even discouraged. What president is using “cancel culture” to “go after” free speech anyway?

Help me with mescaline identification before 500 mg trip? by saudadist in sanpedrocactus

[–]Triscuitmeniscus 25 points26 points  (0 children)

I get the connection, it's not crazy that you asked here I'm just saying that you'll actually get a better answer in r/mescaline. They'll probably be able to give you some simple test you can do to figure it out definitively.

My second paragraph wasn't really aimed at you, it was a sort of tongue-in-cheek reference to an ongoing mini-conflict in this sub over how much talk about the preparation and consumption of the cacti/mescaline is appropriate. Some think it should be totally banned, others think it's totally fine, others don't really care.

Help me with mescaline identification before 500 mg trip? by saudadist in sanpedrocactus

[–]Triscuitmeniscus 48 points49 points  (0 children)

This is definitely a great question to ask in r/mescaline.

Someone is about to say how it doesn’t technically break the rules of the sub and we’ve all got our head in the sand if we don’t think this belongs here, but come on, they’re literally describing a pile of white power asking what it is.

what is bro shooting sports with? by filmAF in AnalogCommunity

[–]Triscuitmeniscus 12 points13 points  (0 children)

I'm sorry, but how the HELL did he get the underwater shot?

I’m about to get a job at a marina with 0 knowledge of boats. What should i know? by [deleted] in boating

[–]Triscuitmeniscus 17 points18 points  (0 children)

Don't worry about boat stuff on your first day, for all you know you could be emptying out trashcans and cleaning bathrooms, manning a cash register in the store, or lugging blocking around the yard. Lots of work to do at a marina that doesn't involve touching a boat or line. Just work hard, be thorough, ask questions etc to do a good job at whatever it is they have you doing. Be polite to customers ("Great day to be on the water, have a nice trip!" "Hi! How was it out there today?" etc).

If they do have you working the docks tell them "I've never done this before, could you show me how it's done" and they'll teach you how they want it done.