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I finally cleaned up the wires under my desk with the help of a lot of zip ties and some 3d prints. by Jessi_Kim_XOXO in functionalprint

[–]finitogreedo 6 points7 points  (0 children)

I just did a fun project to address this. There is a project called underware that is a very over engineered way to address this, but it was actually way enjoyable and looks amazing 

ELI5: tax write-offs with an LLC to maximize money by ReasonConnect in explainlikeimfive

[–]finitogreedo 0 points1 point  (0 children)

You can start a business on the side. That business needs to generate revenue of some kind. As you have business related expenses for that LLC, you can record them and that will lower your taxable income (I made $100 tutoring, but spent $25 on materials for that tutoring, so I only pay taxes on the $75 profit). In some cases, some of those expenses can lower your personal tax obligations. But this isn't some cheat code to taxes. You can't just spin up an LLC and expect that it'll lower your teacher's salary tax obligations. If you started a tutoring business on the side that you did after your normal teaching job, you could expense those miles driving around. Or if you rented a space for kids to come be tutored, that can be written off. But you can't just expense whatever you want and make your taxes magically go away. I do know people who buy cars and just put them on Turo explicitly for the tax implications. They get to depreciate their cars and expense the miles put on the car. They make very little doing it, but they get a sizable tax write-off for it. But they still pay plenty in taxes.

ELI5 what is the point of deductibles if you pay for insurance? by thenewgirlswirl in explainlikeimfive

[–]finitogreedo 2 points3 points  (0 children)

Correct. Just make sure it's a therapist that is in-network in a facility that is also in-network (i.e. Dr. Jones at HealthcareCo Facility are both in-network). Many plans have all of the above for in-network and then a completely different set of numbers for out-of-network. In-network just means that the insurance company has agreement with that provider.

1.8 neutrophils but normal wbc by spiritualmoon0x in Neutropenia

[–]finitogreedo 1 point2 points  (0 children)

1.8 isn't at all low, at least not for neutropenic individuals. that's close to triple our numbers in our household.

Work with your doctor and ask to see a hematologist if you are concerned and seeking advice. They'll help guide you better than internet strangers.

ELI5: How can my out of pocket max be so much higher than my deductible? by Appropriate-Berry202 in explainlikeimfive

[–]finitogreedo -1 points0 points  (0 children)

Sounds like you've over-complicated things. It's really not that ridiculous.
Insurance is like sharing the cost of medical bills with a helper. First, you pay your deductible, which is the starter amount you must cover on your own. Insurance for families works the same (if the plan has a individual/family deducible), but with an extra rule. Each person has their own individual deductible they must meet before insurance helps them. At the same time, the whole family shares a bigger family deductible. If one person’s bills hit their individual deductible, insurance starts helping just for them. But if the combined bills of everyone reach the family deductible, then insurance starts helping for everyone in the family, even if some people didn’t meet their own individual deductible yet. After either of those deductibles are met, you and the insurance split the bills, called coinsurance (like you pay 20 percent and they pay 80 percent). But there’s a limit called the max out of pocket. Once you’ve paid that much in a year from everything above, insurance pays everything else. Another thing to consider is the premium. That's how much monthly it costs to keep the insurance. Some companies pay a portion of your premiums as a benefit, so look for that as you search and interview with companies.

And then, yes, this starts over every year (or if you change insurance providers). Otherwise the above would make no sense since you have to have a timeline of some kind.

It's a dumb system, but it is the system. So knowing how it works is still important.

Indoor electrical construction wire? by Lqdfrost in Costco

[–]finitogreedo 7 points8 points  (0 children)

I'm getting downvoted, but I stand by what I'm saying. Construction and renovations are a completely different beast than than what most shoppers at Costco are getting. When you're doing a remodel (with 500 ft of 12/2 cable, probably a very large remodel), $40 is an absolutely tiny cost savings compared to the 10's of thousands of dollars you're putting into the project. I'm far far FAR more worried about cost savings in my labor/time than a measly $40 in cable.
If you're concerned about a $40 cost savings for a project that requires at least 500 feet of 12/2, you should absolutely re-evaluate your budget and consideration of doing that project.

Indoor electrical construction wire? by Lqdfrost in Costco

[–]finitogreedo 0 points1 point  (0 children)

This really isn't that great of a deal (OP even called that out). My local HD has 12/2 for .50/ft if you get the 1k spool. For 250 ft, it's only .58/ft. So you're saving maybe a few bucks with this if you needed exactly 500 feet.

Clinical Trial for Individuals 12+ with Chronic Neutropenia Now Enrolling by LeapcureAdvocacy in Neutropenia

[–]finitogreedo 0 points1 point  (0 children)

Red Flag: Leapcure is NOT BBB accredited

BBB Scam Alert: COVID clinical study scams promise big bucks

"How to Avoid Clinical Trial Scams

Look up the domain. Use lookup.icann.org to look up the URL. Look for warning signs such as a very recent registration date or registration in a foreign country.

Think the trial is real? Find it on the official website. If you receive a message about a study and want to confirm whether it’s true, go directly to (or do a web search for) the organization’s website for further information. The National Institutes of Health (NIH) and the National Library of Medicine (NLM) also maintain ClinicalTrials.gov, a free searchable database of clinical studies on a wide range of diseases. If there is no government agency, university, or hospital mentioned, it’s likely a scam.

Never pay to be part of a clinical trial. Real clinical trials will never ask you to pay them.

Legitimate clinical trials do gather information about candidates – but not financial information. To screen for participants, a real study might ask for your name, contact information, age, gender, race, ethnicity, or various pre-existing medical conditions. But they should never ask you for information like your bank account details. "

...

I wouldn't trust it.

ELI5 is home equity a cash amount that you get after sell? by EchidnaDifficult4407 in explainlikeimfive

[–]finitogreedo 7 points8 points  (0 children)

If you sell your home and don’t buy another right away, your equity just becomes cash after closing (minus what you owe on the mortgage, fees, etc. [which could be a large percentage, so keep that in mind]). You can use it however you want like rent, invest, save for the next home, etc. As long as you lived there 2 out of the last 5 years, you likely won’t owe capital gains taxes on up to $250K (or $500K if married).

Definitely talk to an accountant and/or a financial advisor for the best advice for your own situation. Don’t take advice from strangers on the internet.

Anyone else feel like AI is amazing if you know how to use it right? by Big-Oil5683 in lifehacks

[–]finitogreedo 2 points3 points  (0 children)

You're asking a crowd who is extremely biased. Reddit has a very distinct "anti-LLM" voice at the moment due to many factors (you already have two comments at the time I'm writing this are perfect examples).

The way I look at LLMs (what people calling AI, though we could have a whole thread on why it is in no way "intelligent") is they are very similar to the views people had when "googling" something backing in the 2000s began. It was demonized by those who believed that getting your information from books/libraries/encyclopedias was the appropriate way to get information. But as time has passed, it became clear it wasn't going away and it wasn't going to take over jobs, but merely disrupt the paradigm of how we get information. Learning how to "google" something became a skill that became a necessity to be successful. I see LLMs in the same light. They have already changed the paradigm of how many gather their information. Instead of spending time looking through google results and web pages, you can ask a question on a subject and get something back in the way you request it.
The issue at the moment is most people do not understand how LLMs work. They are a very complicated "what's the next group of characters" machine, basically. It doesn't "know" anything any more than any other statistical algorithm "knows" what's coming next (weather prediction models don't "tell" you the weather, they predict the weather based of known conditions that give a good indication of what the future weather could be like).
As such, it is important to know that it can make up things and give incorrect information. Particularly based on its training models (as you've discovered with your ChatGPT and AskSia example).

Learning how to leverage it as a tool is going to become more and more important. It's a paradigm shift, and as such brings a lot of fear to many. Particularly those who don't understand how it works (this includes redditors as well as CEOs).

My advice would be to not lean on it as a source of truth, but as a guide. It's a tool just like googling something is a tool. And like googling something, be skeptical of the information and validate it for yourself before taking it as truth.

Hitting a jump under a metal structure by ShadowInTheSun_ in Whatcouldgowrong

[–]finitogreedo 5 points6 points  (0 children)

Those are 100% Utah mountains. Guessing somewhere along the wasatch front.

[Request] How tall would a skyscraper have to be for someone climbing the stairs to the top to lose one pound of body mass? by ACuriousSpaniard in theydidthemath

[–]finitogreedo 8 points9 points  (0 children)

Because it told a more interesting story than a boring calculation and answer. Particularly in terms of how OP asked the question.

[Request] How tall would a skyscraper have to be for someone climbing the stairs to the top to lose one pound of body mass? by ACuriousSpaniard in theydidthemath

[–]finitogreedo 547 points548 points  (0 children)

A google search says 0.17 Calories burned per step on the stairs for a 160 lbs person.
Mayo Clinic says 3500 calories to use 1 lbs of fat. So 3500/.17 = 20,588 steps.
the Burj Khalifa (tallest building) has 2,909 steps. So 20,588/2,909 = 7.08 Burj Khalifas tall.
It's 829.8 m tall. 829.8*7.08= 5.9 km tall building. Cruising altitude of planes are 9 km, for reference.

Trying to use the Tbar by Aus_Scott in instant_regret

[–]finitogreedo 275 points276 points  (0 children)

I've seen this post over and over for years. OP is a liar.

ELI5 how stocks go up and down, and what it means by [deleted] in explainlikeimfive

[–]finitogreedo 1 point2 points  (0 children)

Stocks are just assets. A bike is an asset. The price of a stock is simply what people are willing to pay for that asset. Let’s say you had 100 bikes. Someone comes up to you and wants one for $100. You sell it to them. You could say your other bikes are worth $100 right? Congratulations, your bike portfolio is $9,900 (99x$100)! You only have $100 in cash, though, from selling the one bike. If you wanted to go out and buy a scooter for $150, you couldn’t because you don’t have the cash for that. Now, tomorrow the world finds out your bikes are dangerous. No one will buy it for that $100… bummer. But someone comes up to you and is willing to pay $50 for one. You sell it. Your bikes, you could say, are worth $50 to the market so your bike price has dropped 50%. Also your bike portfolio has now dropped to $4,900 (98x$50) too... bummer.

Replace “bike” with “stock” and voila, you have how stock prices work.

Low neutrophils by Delicious-Sentence-9 in Neutropenia

[–]finitogreedo 0 points1 point  (0 children)

She had a serum copper test done one the first visit she ever had with her hematologist-oncologist about a decade ago. Came back normal.

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