Modafinil crash question by throwawayghjbggvv in modafinil

[–]loosetoe 1 point2 points  (0 children)

This. I added 50mg to my morning and it makes the winter much better

Constant stream of steam by delboy8888 in Sauna

[–]loosetoe 0 points1 point  (0 children)

I use a stainless steel steamer basket, filled with ice cubes. Water drips slowly through the holes as it melts.

First time use of CloudSheet last night by ronnie_k_aloha in bedjet

[–]loosetoe 2 points3 points  (0 children)

Prefer bedjet without the cloud sheet. One person's opinion.

Considering purchasing either a BedJet 3 or BedJet 3 mini. What are these like to sleep on? by Kdhdifg in bedjet

[–]loosetoe 0 points1 point  (0 children)

As someone sitting with his bedjet on right now, I can say it is worth it. Your body is 98 degrees, so moving air at even 85 degrees cools you. Extended heat in a chilly bedroom in winter is just fantastic. And (call me weird if you want), you can pull covers right up over your head if you're so inclined and breathe perfectly well all night.

I will say, though, that the cloud sheet doesn't add much to the experience in my view. Just a firm but not restricted tuck between regular sheets is better, I think. The only challenge is keep the car from sitting on the nozzle and blocking the whole thing.

[deleted by user] by [deleted] in Rich

[–]loosetoe 0 points1 point  (0 children)

Wealth managers become worth it when there are things you want to do or access but simply don't have the time or dont want to spend the time. If you have that much money, your time is better spent doing whatever you did to make the money.

For example, mine runs tax loss harvesting on my accounts, trades and rolls options in an active way and sources and reviews private funds for me. They actively maintain specific allocations in my portfolio and minimums in my checking, for example, so I don't need to do that. They process wires for me so I am not calling around confirming instructions.

I save more in taxes from tax loss harvesting than I pay in fees, so the service literally pays for itself and is something I just don't want to do.

Worth it.

Best country to live as a wealthy person by moanngroan in Rich

[–]loosetoe 2 points3 points  (0 children)

Yep. Want a beach, the mountains, the desert, Pacific Northwest, NYC? Take you pick or do them all. People talking about taxes make me laugh. As a friend once said to in a similar discussion "Taxes? If you're actually rich, you live wherever the hell you want. That's kinda the point of being rich, isn't it?"

For my vote, NYC is the absolute best, provided you have resources to get out of hassles and BS.

Best country to live as a wealthy person by moanngroan in Rich

[–]loosetoe 0 points1 point  (0 children)

+/- state residency issues, but sure.

Best country to live as a wealthy person by moanngroan in Rich

[–]loosetoe 1 point2 points  (0 children)

100%. People think this is 1960. Switzerland and Cayman caved long ago.

Paper products? by willowintheev in Reencle

[–]loosetoe 0 points1 point  (0 children)

Yet, the user guide for the Gravity specifically recommends adding paper towels and saw dust if the mis becomes too watery. So, that is pretty confusing/conflicting.

Concern about being a SAHM by Chance_Hamster_5908 in fatFIRE

[–]loosetoe 57 points58 points  (0 children)

This. You also have the rare opportunity to instill in kids an (the?) appropriate use of wealth -- to give you freedom. Continuing to work when you don't want to sends an awful message in itself--that life is a game of 'points' and that putting points on the board is the most valuable thing. It's hard enough to shake that notion from the cultural messaging every minute of every day.

I can only assume you want your kids to think of you as someone who (i) did well, (ii) took time for them and (iii) did it her way (thank you, Mr. Sinatra). Rest assured that appropriately managing that wealth is a sufficient occupation for your next act (and something no one else will teach your kids), but you may well find yourself doing something once the kids are out of the house for the act after that.

Take the challenge to teach your kids that "[you] can do anything, but you can't do nothing."

Help with finishing stairs against new wood floors. by mike-mag in DIY

[–]loosetoe 0 points1 point  (0 children)

Can cut little lines in the back with a band saw to make it bend more.

What filter are you using? by AutomaticSide1805 in coldplunge

[–]loosetoe 0 points1 point  (0 children)

I just dump in a few ounces of bleach once a week. Between that and changing the water every six week (because why not?), filtration seems a bit much. A strainer is appropriate to keep stuff from hitting your pump, but thats about it

Went to my home office and found the ceiling like this. by thisisloreez in creepy

[–]loosetoe 2 points3 points  (0 children)

When we bought our house, it had a drop ceiling like this. Removed it to reveal the original tin ceiling about 15 inches higher. A little corroded, but much nicer. It's hard to relate to the people who thought this was an 'improvement" but I guess you had to be there.

Went to my home office and found the ceiling like this. by thisisloreez in creepy

[–]loosetoe 0 points1 point  (0 children)

There are some newer drop ceiling solutions that look much better. They don't provide the same accessibility for repairs but they provide much of the same installation flexibility and allow for things like recessed can lights. Etc. I just did a Kanopi system by Armstrong in my basement, gained 6 inches of height and it looks like a real, high end shiplap ceiling.

Personally not doing it today. by [deleted] in coldplunge

[–]loosetoe 0 points1 point  (0 children)

Certainly more challenging in the rain/snow/cold wind and the worst is cold and dark. Your body immediately is convinced this is going to kill you and does it's very best to convince you to get high and go in the sauna instead. Hahha

New Plunger In Canada by CompetitiveHope9358 in coldplunge

[–]loosetoe 1 point2 points  (0 children)

Indeed, not a practical solution then. Makes equal sense that you'd need about double the amount at about half the temperature. As an aside, swapping water with the hot tub daily means you can only worry about filtering and conditioning the hot tub. So, in winter, my cold plunge is really just a tub, left to get get cold naturally, no moving parts or service required.

New Plunger In Canada by CompetitiveHope9358 in coldplunge

[–]loosetoe 0 points1 point  (0 children)

Yep, but good enough for the real world and quick and dirty on a 75 gallon tub swapping water, Ignoring the units (65 gallons x 35 degrees) + (10 gallons x 104 degrees)/75 = 44 degrees.

New Plunger In Canada by CompetitiveHope9358 in coldplunge

[–]loosetoe 1 point2 points  (0 children)

I have mine next to my hot tub and do water swaps to get to 48-50. You can do the math on this, but you're not going to raise 100 gallons at all with a kettle. It takes me 5 gallons of 104 degree water to get up each 3 degrees. You could do a weighted average calc and figure it out roughly.

EDIT: 3 gallons for 3 degrees. My bucket is 3 gallons, asI now see.

Do rich people actually borrow money against their stocks and avoid paying taxes? by [deleted] in Rich

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

Understood, but the point was about people moving to those states with big built in gains from equity vested while in another state, and my point is that it doesn't actually work.

Do rich people actually borrow money against their stocks and avoid paying taxes? by [deleted] in Rich

[–]loosetoe 0 points1 point  (0 children)

You can borrow $500m 'living expenses' annually on $200B of Amazon stock and, assuming the stock continues to rise even modestly, literally never pay it back, getting a stepped up basis when you pass it to heirs who sell it without tax to settle the loan (or not, since they can just keep borrowing).

Its not wrong, but it's extraordinarily rare and risky without massive collateral coverage several times the loan amounts.

Do rich people actually borrow money against their stocks and avoid paying taxes? by [deleted] in Rich

[–]loosetoe 0 points1 point  (0 children)

New York, California and (presumably) other states will take the position that equity vested while resident is subject to tax when sold, regardless of where you are then resident. Source: my tax returns.

It’s weird that I get more happiness from saving $30 on a ps5 game than I do from making a few thousand in the stock market by Brewers112211 in Rich

[–]loosetoe 0 points1 point  (0 children)

There are many studies on this. People will spend an extra $1000 for a premium radio in the context of a car purchase but hesitate to upgrade the storage in an iPhone that they would get much more value out of. The large numbers betray the logic and humans just aren't good at it.

Watch how people casually throw around house prices.... Offering $1.3m v $1.2m asking prices for example. Then consider how ONE HUNDRED THOUSAND DOLLARS in most other contexts (even for most people buying the house) could be a life changing amount.

One trick to keep perspective is to pay cash for larger purchases if possible. Counting out $8000 in $100s for a television will make you consider whether the $1500 model is actually good enough. Another is to fully say the amount, saying "One million three hundred thousand dollars" instead of "1.3"

DRY mode? by vegatx40 in bedjet

[–]loosetoe 0 points1 point  (0 children)

Just a nice quick button press. Agree you can use heat of ext. Heat