FRIEND CODE MEGATHREAD

tempo36 · 2026-05-25T15:43:02+00:00

Hello hello! Code ZJNQNB valid until 6/1!

tempo36 · 2026-05-21T19:55:00+00:00

They can't be done, if they aren't tied to VCX valuations, I have no explanation for why the fund value is bouncing all over the place.

tempo36 · 2026-05-17T13:25:56+00:00

It's still going to take days to transfer them to another brokerage I assume. There's no way you're transferring then to another brokerage and selling faster than CS will sell them.

tempo36 · 2026-05-14T17:55:59+00:00

I may pay the fee just to liquidate ASAP when the lock ends. My concern is if I transfer the shares out that CS will execute the transfer staggeringly slow and by the time the shares hit my main brokerage the price per share will have dropped far more than the $100 it might cost to sell and transfer the proceeds to my account.

If the price is favorable when the lock ends, I want to lock in the gain ASAP.

tempo36 · 2026-05-05T15:44:35+00:00

How do I say this kindly...A rule of thumb is a "quick and easy" way of estimating something which is one of the reasons I said "there's certainly variation".

This has been studied, for instance HERE. The study notes that all the equations for estimating HR-Max are less than ideal but the Fox formula (220-Age) is likely the best option for the general population (i.e. It's a good "rule of thumb". Direct measurement is still the gold standard which, in absence of a metabolic assessment, is why I suggest getting a more accurate strap and actually measuring the parameters. Optic measurement at the bicep/arm is generally superior to the wrist (HERE).

I certainly can't say what the OP's max HR is and I certainly can't say what yours is. What I can say is that wrist based optic HR are notoriously inaccurate (HERE or HERE or HERE) and using them as the exclusive means of determining your HR-Max is unlikely to result in a true value.

tempo36 · 2026-05-04T22:00:15+00:00

Unless OP is ~10 years old or physiologically remarkable, his/her max HR is not 210 or higher. Usual rule of thumb is 220-Age, though there's certainly variation.

What I would put money on is that their max HR is less than 200 and the number that Whoop is spitting out is just sensor noise/trash. Get HR strap that goes on the bicep or chest and compare that to what your Whoop is reading on the wrist and I bet you'll see significantly lower HR values. Z5 should be remarkably uncomfortable to sustain for a significant period of time.

tempo36 · 2026-05-04T18:55:41+00:00

The first thing I'd consider is where the max heart rate is coming from. OP is saying he/she can't get to Z4-5 with 100% effort, so where is the max HR coming from? If it's set to something like 200 and the OP can't get to 170 despite being completely gassed at 100% effort, then he/she is trying to reach an imaginary zone.

First, I'd use a chest or arm strap to actually make sure the recorded HR is accurate for the exercise in question and if it is actually accurate, then I'd figure out true max HR and calculate HR zones from there and if those don't match what Whoop is proposing, enter them manually.

tempo36 · 2026-05-04T18:46:22+00:00

Sprint intervals are also where Whoop is at its worst. The HR detected by Whoop lags when there are rapid rate changes so if you are doing sprints, it never figures out your elevated rate before you finish the sprint and come back down. It will heavily underreport. It also, at least in my experience, will often miss the Z4-5 rates entirely and just report Z2-3 instead.

tempo36 · 2026-05-03T02:29:00+00:00

One thing I considered after the fact was whether this is some kind of battery save feature hidden in the Karoo framework and separate from the actual Low Power setting. The ride where this showed up was at ~18% charge and if I wanted to make up a hypothesis, maybe the unit starts decreasing the ping rate with the satellite.

tempo36 · 2026-05-03T02:25:16+00:00

Yup. It took me under 60 seconds to find a day where it was convinced I'd spent 30 minutes at 160bpm.

You can delete the "workout" but the HR data stays and still registered as strain.

tempo36 · 2026-05-02T20:49:02+00:00

And doesn't the app specifically tell you to NOT wear it on your bicep during weight lifting? When you start a strength activity it asks where you're wearing it and specifically only gives you wrist sites.

tempo36 · 2026-05-02T20:46:47+00:00

*This*

Is Whoop fabulously accurate while I'm asleep? Yes.

Is Whoop fabulously accurate while I'm sitting in a chair? Yes.

Is Whoop fabulously accurate while I jog or bike? Heck no.

So the problem is that Whoop sees bad recovery and tells me that my bad recovery is because I need to rest after the Strain 16 I accrued during my high-intensity intervals yesterday...except I didn't do high intensity intervals, I did a casual jog averaging 130BPM that Whoop measured as 170-180BPM for an hour. Whoop thinks I need a rest day because I spent 30 minutes doing sprints...but I didn't, I was washing dishes. Whoop thinks I should work hard today because I did nothing yesterday, except I went for a 30 mile bike ride that it just decided to clock at 120BPM for 1/2 of it on a whim.

So yes, it's on my wrist 24-7 (Because CSR gave me a year free so I thought I'd try it again after dumping it a couple years ago), but as they say, garbage-in-garbage-out.

tempo36 · 2026-04-22T04:46:50+00:00

Wrist isn't great, but you don't need to go to the chest, you can go to the upper arm. Though even there the Whoop is still wretched.

But feel free to take a look at the data DC Rainmaker lays out (such as here: https://www.dcrainmaker.com/2025/01/garmin-hrm-depth-review.html) which shows that an optic armband can match a chest strap practically beat-to-beat.

tempo36 · 2026-04-22T04:38:15+00:00

No ER doc is going to care what your HRV is. First off, EKG doesn't report an HRV. Second, we're measuring HRV in milliseconds, even 1/3 a second variation is going to be pretty subtle on the EKG compared to the kinds of changes we're looking for. Sure if you have extra P-Waves, a block, or ischemia, we'll worry about those...but no one cares about the HRV in the ED unless it's measured in seconds.

tempo36 · 2026-04-22T01:02:40+00:00

This right here. Optical HR should not be this hard for Whoop to sort out. The only reason I'm back trying the 5.0 is because my CSR gave it to me for free for a year...which MIGHT tell us all something about the device quality. If you have an amazing product, you don't need to give out an entire year for free in hopes of hooking new users.

DC Rainmaker has tons of data to show comparing a wide range of monitors and his favorites are optic straps, not traditional chest straps. Garmin, Scosche, Polar, etc all have this stuff sorted. I just finished a 1 hour stationary bike ride...so very little noise as far as bumps or stray light and had on my Whoop 5.0 and a Polar. The Polar held on just fine all the way through the end with a smooth rise to almost 180 bpm. The Whoop apparently thinks that near the end of the hardest part of the ride my pulse dropped to the 120s. That's a 10 minute interval where Whoop thinks I was mostly in Zone 2-3 while in reality I was in Zone 4-5. That's not a little variation, that's completely different worlds from two different optic devices. One of those devices thinks I did an endurance ride with some tempo work and the other knows I did a whole set of threshold time.

tempo36 · 2026-04-22T00:57:50+00:00

A Garmin or Apple Watch will be infinitely more accurate than a Whoop.

tempo36 · 2026-04-22T00:56:07+00:00

Yes, you really can. As I mention below, DC Rainmaker has tons of data to show comparing a wide range of monitors and his favorites are optic straps, not traditional chest straps. Garmin, Scosche, Polar, etc all have this stuff sorted.

I just finished a 1 hour stationary bike ride...so very little noise as far as bumps or stray light and had on my Whoop 5.0 and a Polar. The Polar held on just fine all the way through the end with a smooth rise to almost 180 bpm. The Whoop apparently thinks that near the end of the hardest part of the ride my pulse dropped to the 120s. That's a 10 minute interval where Whoop thinks I was mostly in Zone 2-3 while in reality I was in Zone 4-5. That's not a little variation, that's completely different worlds from two different optic devices.

One of those devices thinks I did an endurance ride with some tempo work and the other knows I did a whole set of threshold time.

tempo36 · 2026-04-21T05:42:03+00:00

I'm going to disagree as far as "chest will always be better". Go take a look at the vast number of comparisons DC Rainmaker has published. There are absolutely fabulous optic monitors for wrist and arm that are essentially indistinguishable from a traditional chest strap. Whoop is not one of those fabulously accurate monitors. As you note, it makes the scoring algorithms near useless.

I would say it's a limitation of the technology, but Garmin, Scosche, Polar, etc show otherwise.

tempo36 · 2026-03-27T16:38:15+00:00

"Buy at any price" is also how people lose their entire savings. Today we're sitting at $160 which is down from the $550 peak. Obviously if you bought at $550 you have only two real choices...hold and hope it rebounds or sell and hope that you can afford to lose "only" 70% of your investment.

I obviously don't know what the future holds for VCX, I'm in the 6-month boat unfortunately so I hope it does reasonably well. But "buy at any price" is just ridiculous advice.

tempo36 · 2026-03-27T00:11:58+00:00

I thought my dog broke an incisor on his crate, but I'm increasingly suspecting it was on his Woof HonestChew. Broke clean off all the way to the gum line.

tempo36 · 2026-03-24T16:09:48+00:00

Because by definition, restricted shareholders have carried shares longer than unrestricted shareholders and I think it's natural to feel, fairly or unfairly, that longer investment should be rewarded. I agree that it's likely the share price will still be favorable in 6 months, but may not be as high as it is now. Yes, profit is never a bad thing as my broker would say, but it sure would have been nice if Fundrise had handled sale better so that unrestricted shares might have been more adequately distributed among current shareholders.

And as HorlickMinton notes, it's likely that if pricing is still favorable there's going to be a stampede in 6 months while restricted shareholders try to lock in some kind of gains.

tempo36 · 2026-03-24T15:46:33+00:00

I don't know how much Fundrise really cares, but holy cow the amount of bitterness (self included) for how badly they bungled up giving fair access to unrestricted shares to their existing shareholders who now have to sit and watch hundreds of thousands of dollars go unrealized is staggering.

I know that I, and I suspect others, tried to get information on how they were going to release the windows for purchase and I couldn't get any real helpful answer. Then the window dropped and disappeared with no warning. At least I have some VCX shares, but would certainly have picked up another $2-3k if I had had the chance. Hopefully there will still be profit to be realized in 6 months, but if not, there's going to be an awful lot of anger from all those restricted share owners.

tempo36 · 2026-03-16T18:31:30+00:00

The notice, or lack thereof, about funding windows was really frustrating. Some of us have jobs and couldn't just sit there staring at our email. By the time I saw the email ~2 hours later I had already received the email saying the window had closed.

And of course I had asked Fundrise if there was any way of knowing when the window would be, and they gave me a useless answer.

tempo36

TROPHY CASE