Hello high rollers! Here's my take on the fan made Buckshot roulette board game.
For the game you will need: - 8 live cards - 8 blank cards - 7 load cards - 2 decks of items (12 duplicate cards in each deck) - 12 heart tokens (6 for each player) - 16 item tokens (8 for each player) - The set of DnD dice (for percentage items) (Pt 1)
To make cards I would recommend you to draw them on paper and put into protectors. That way they will be more solid.
You can draw all cards according to the sample: (Pt 2)
Note that item cards are double sided. The face is the item itself while the back is the explanation what that item does: (Pt 3-4)

• Beer: Discard the top card of the deck
  
• Hand saw: Your next shot deals 2 damage instead of 1
  
• Handcuffs: Your opponent skips his next turn (you can't use this more than 1 time per turn)
  
• Cigarettes: Heal 1❤️ (you can't use this if your opponents ❤️ ≤ your ❤️)
  
• Magnifying glass: Take a look at the top card of the deck
  
• Inverter: Switch the next round (live to blank/blank to live)
  
• Adrenalin: Steal an item from your opponent (use it immediately)
  
• Burner phone: Number all cards in the deck than roll the respective dice. Take a look at the card that has a number of the dice result. If the dice result is > the amount of cards in the deck roll again.
  
• Expired medicine: Roll: 1-3: heal 2❤️/4-6: take 1 damage (you can't use this if your opponents ❤️ ≤ your ❤️)
  

(Btw I added some of the fan cards)

• Matchbox: put the live card at the bottom of the deck (you can't use this if the deck contains 8 cards in it)
  
• Bear trap: Deal 1 damage to your opponent for every item he will use in his next turn (you can't use this more than 1 time per turn)
  
• Flashlight: look at the cards in the deck than shuffle it.
  

After you made all cards it's for the game itself.

1. Lay out all components as shown in the picture: (Pt 5)

(You can use any amount of items in the game you want)

1. Before every load each player rolls d10 3 times. Players put their item tokens on the items depends on the rolls result. (If you roll 0 just roll again) For example: Player 1 rolled 2, 5, 7 and put item tokens on Hand saw, Magnifying glass and adrenalin. (Pt 6)

If you out of the item tokens you don't get items.

1. Shuffle the load deck than draw 1 card from it. The shotgun will have the amount of rounds shown at the top of the load card. (Pt 7)
   
2. Shuffle the shotgun deck.
   
3. Choose who will go first by rolling the dice or playing rock, paper, scissors.
   
4. Start the first turn.
   

At the each turn you can use unlimited amount of items. At the end of the turn you are forced to shoot either yourself or the opponent.
To shoot you need to announce who you will shoot. After that open the top card of the shotgun deck and put it into the discard pile face up. (Pt 8)
(If a player didn't announce the person he shoots he automatically shoots himself)
If you shoot yourself with a blank your turn continues, else your turn ends. (If you used handcuffs on your opponent your turn will continue no matter what)
IMPORTANT RULE! At the first turn of every load the player can use only 1 item. After that players can use unlimited amount of items.
You take turns shooting.
After the shotgun deck runs out of cards repeat steps 2-4. Instead of step 5 the order of the players will continue. For example: The last round in the chamber was blank and the player 1 shot himself. This means that in the next load he will go first.
The game ends after a player runs out of health. That player loses and the other wins.
That's all folks :)
Have a good game!

• Kira

Long-term care (LTC) is a critical aspect of financial planning, especially as you approach retirement. The decision to self-fund LTC via a Health Savings Account (HSA) or to purchase LTC insurance can significantly impact your financial security and peace of mind. Both strategies have their merits and potential drawbacks. This article will explore these options, considering the insights and experiences shared by individuals who have faced similar dilemmas.
financial planning - owntic
Long-Term Care (LTC) Needs
Long-term care involves a range of services designed to meet personal and health care needs over an extended period. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, such as bathing, dressing, and eating. As people live longer, the likelihood of requiring such care increases, making it an essential consideration in retirement planning.
Option 1: Self-Funding via HSA
A Health Savings Account (HSA) is a tax-advantaged account designed to help individuals save for medical expenses. For those with high-deductible health plans (HDHPs), HSAs offer triple tax benefits: contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free.
Advantages of Using an HSA:
Tax Benefits: Contributions reduce taxable income, and growth is tax-free if used for medical expenses.
Control and Flexibility: You have full control over the funds and how they are invested.
Investment Growth: With a sound investment strategy, HSA funds can grow substantially over time.
Challenges of Using an HSA:
Contribution Limits: There are annual contribution limits, which might restrict the amount you can save (currently $3,850 for individuals and $7,750 for families in 2024, with an additional $1,000 catch-up contribution for those 55 and older).
Uncertainty of Costs: Predicting future LTC costs can be challenging, and your savings might fall short if costs rise significantly or if care is needed for an extended period.
Option 2: Buying LTC Insurance
Long-term care insurance is designed to cover services such as nursing home care, home health care, and personal or adult daycare for individuals with chronic illnesses or disabilities.
Advantages of LTC Insurance:
Cost Coverage: Provides financial support specifically for long-term care, potentially reducing the burden on personal savings.
Asset Protection: Helps protect other assets from being depleted by LTC costs.
Peace of Mind: Knowing that care costs are covered can provide peace of mind for you and your family.
Challenges of LTC Insurance:
Cost: Premiums can be expensive and may increase over time. Additionally, policies might become more costly as you age.
Complexity: Policies can be complex, with various terms and conditions. Inflation protection and other riders can add to the cost.
Market Stability: The LTC insurance market has seen volatility, with some insurers exiting the market or significantly increasing premiums.
Insights from the Community
The experiences and opinions of others facing similar decisions can provide valuable insights:
Self-Insurance: Many individuals with substantial net worths lean towards self-insuring. Given the high costs and uncertainties associated with LTC insurance, some prefer to rely on their savings and investments. As one user noted, the ability to self-insure is more feasible if your net worth is high enough to absorb potential LTC costs without significantly impacting your financial security.
Insurance Pitfalls: Several community members highlighted the potential downsides of LTC insurance, including increasing premiums, insufficient coverage, and the failure of policies to keep up with inflation. For instance, one user shared a story of their grandmother who paid more into the policy than she received in benefits due to inadequate inflation adjustments.
Hybrid Policies: Some recommend hybrid policies that combine life insurance with LTC benefits. These policies can provide more flexibility and value, ensuring that premiums paid are not wasted if LTC benefits are not used. This can be an attractive option for those looking to hedge against the risk of needing long-term care without solely relying on a traditional LTC policy.
Deciding between self-funding LTC via an HSA or purchasing LTC insurance is a personal choice that depends on various factors, including your financial situation, risk tolerance, and health outlook. For those with a high net worth and a robust HSA, self-funding might offer more control and potential savings. However, LTC insurance can provide valuable protection and peace of mind, especially if structured correctly with appropriate riders. Ultimately, the best approach may involve a combination of strategies, such as maximizing HSA contributions while exploring hybrid insurance products. Consulting with a financial advisor can also provide personalized guidance tailored to your specific circumstances and goals.
Long-term care - owntic

I want you to take a seat back and give this post some time. Or, just look at the points in the TL;DR section of this write up.
Hair Dao, a crypto project claiming to revolutionize hair loss research, operates as a Decentralized Autonomous Organization (DAO) using blockchain technology and smart contracts. Despite its bold claims, Hair Dao has raised significant concerns. Led by a researcher named "Jumpman," the organization has conducted illegal human trials using unapproved chemotherapy drugs obtained through "group buying" from China, without safety or ethical oversight.
Alleged collaborations with Dr. Claire Higgins from Imperial College London appear dubious, as she denies knowing "Jumpman." Operating in the largely unregulated crypto space, Hair Dao faces substantial compliance risks with the SEC and FDA. The project’s co-founders are connected to crypto venture funds with suspiciously high returns.
Efforts to create credibility through legitimate researchers are overshadowed by their community's harassment tactics against YouTubers. Traditional funding methods for hair loss research offer more transparency and safety than relying on cryptocurrency. Given these red flags, I'd be skeptical and avoid the hype surrounding Hair Dao.
https://i.redd.it/7prd6rduti5d1.gif

Get some Popcorn...

Every so often, the hair loss community gets swept up by a new trend or treatment that, despite having only minimal evidence, often a mere mouse study, convinces many to invest in the latest product. Examples include Bioner's CosmeRNA, HairGuard's Growband, and potentially Niostem. However, none of these quite compare to the latest around a Crypto Token known as "Hair Dao."
Real quick, wtf is a dao? A dao, or Decentralized Autonomous Organization, is a type of organization represented by rules encoded as a computer program that is transparent, controlled by organization members, and not influenced by a central government. Daos are typically built on blockchain technology, like Ethereum, and operate using smart contracts, which are self-executing contracts with the terms of the agreement directly written into code. Keep in mind the decentralized aspects of this.
So, what exactly is Hair Dao? According to its creators, it’s a "Decentralized Science" Crypto project that claims it will "cure hair loss" by taking over the role of the National Institutes of Health (NIH) in the realm of hair loss research and early development. The NIH is a well-established U.S. government agency known for its role in funding scientific research. Hair Dao's ambition is nothing short of revolutionary—or at least, that's what they assert. In fact, its cringe and seems like... well your honour... a scam?
let's play a game

Some So Some Crypto Bros and their Crypto Venture Capital Firms.... umm ok

For further insight, you can refer to this article from Foster Cove Capital, a Crypto Venture Capital (CVC or VC) Fund owned by one of the co-founders of Hair Dao (by the way, is that even legal? what's the legality behind that one?):
https://www.fostercovecapital.com/wp-content/uploads/2022/10/Internet_to_DAO_Comparison_Article.pdf
The article from the crypto VC states that government institutions often operate with significant inefficiencies in capital usage: so they think that these organizations when it comes to research are wasting money. Hair Dao aims to address this inefficiency in the hair loss research sector, suggesting that the government’s role in funding and regulating could be ripe for disruption. They liken their potential impact to companies like SpaceX and Anduril. However, such comparisons seem overly ambitious and here's why.....

Regulations

SpaceX and Anduril operate within rigorous regulatory frameworks. SpaceX collaborates with NASA and complies with the Federal Aviation Administration (FAA) to ensure safety and operational standards in space travel. Similarly, Anduril works closely with the Department of Defense, adhering to national security regulations. In stark contrast, Hair Dao, as a Decentralized Autonomous Organization (DAO), exists in the largely unregulated cryptocurrency space. The article itself acknowledges that this lack of regulatory clarity could pose significant risks, especially concerning compliance with U.S. Securities and Exchange Commission (SEC) regulations. This could lead to serious legal and financial challenges for both investors and the project's founders. Also, it raises some questions regarding ethics and the U.S Food and Drug Administration (FDA) which we will get into now...
Funnily enough, the Foster Cove Capital PDF article states that that regulation would help the government tax and make money off of DAO technology. This is very dumb. Let me say this, asking for government regulation of DAOs does nothing but turn you into a typical company on the stock exchange. You are bound by how fast you are making money, and due to the Consumer Identification Program FEDERAL LAW, anyone using DAOs and Cryptos must be identified by the government as a means of providing security to these trades.
The next crypto venture capital is owned by the other co-founder. ughhh lets see how fishy this one is... https://www.bizantine.capital/about3
i see it.... all of it!!
Their latest 2021 Annual Letter is a masterclass in financial acrobatics, so much so that it leaves me wondering if they’ve uncovered a secret trading algorithm, or perhaps a genuine crystal ball, that even the most seasoned Wall Street veterans would envy.
To say that Bizantine Capital had a stellar 2021 would be an understatement. Their self-reported returns are not just high—they're fucking stratospheric.
In 2021 alone, Bizantine returned +331.58%, outshining Bitcoin's respectable +61.18% and absolutely dwarfed the S&P 500's +26.89%.
Since their inception in April 2019, they've boasted an astronomical +2,626.39% return. That’s over 26 times the initial capital in less than three years.
To further scrutinize Bizantine’s claims, let’s juxtapose their performance with insights from a more grounded source: the National Bureau of Economic Research (NBER) Working Paper on private equity and venture capital funds. This pretty much shows how Bizantine is probably, if i were to bet, lying their asses off.
https://www.nber.org/system/files/working_papers/w28109/w28109.pdf
For buyout funds, the research finds little evidence of performance persistence, especially post-2000. Funds that were in the top quartile in previous cycles don’t necessarily continue to outperform in subsequent ones. This finding challenges the idea that past success reliably predicts future results—a cornerstone of many investment strategies.
In stark contrast, Bizantine Capital seems to defy this logic, suggesting that they consistently outperform regardless of market conditions. And we've seen crypto rise and crash..and crash...and maybe rise again?? many times within the last 5 years...
Bizantine Capital claims an Average Daily Return of 0.59% and a Standard Deviation of 5.58%, painting a picture of a wild rollercoaster ride compared to the S&P 500’s relatively calm 0.07% average daily return and 0.69% standard deviation. So in other words.... As Bizantine’s returns swing dramatically day-to-day, the S&P 500’s fluctuations are much more subdued.
And given these wild swings, Bizantine’s Sharpe Ratio stands at an impressive 2.000. The Sharpe Ratio is a key measure that helps investors understand how much excess return they're receiving for the additional volatility they're enduring. It's pretty much telling us how well an investment compensates for the risk it takes on. A higher Sharpe Ratio indicates better risk-adjusted returns, meaning the fund earns more return per unit of risk.
But, Bizantine's high standard deviation of 5.58% suggests significant daily volatility, which is usually a red flag for investors because it's implying a greater uncertainty and risk in the fund's returns. This high level of volatility means investors could experience substantial ups and downs. To me, this seems very inconsistent given their high Sharpe Ratio indicates they're generating VERY strong returns relative to this risk, Again, this is highly unusual and especially when this performance is done time and time again.
Zzzzz
Okay, enough with the finance talk...for now......

Hair Dao Researcher Involved with Group Buying and Illegal Human Experiments: The use of phase 1 chemotherapy drugs

Recently, Hair Dao found itself in controversial waters. One of their lead community researchers, known as "Jumpman," orchestrated an unofficial human clinical trial where individuals were persuaded to use phase 1 chemotherapy drugs among other compounds include on that the researcher claimed to have designed himself saying that it could potentially regrow hair on a bald scalp (according to some people in this groupbuy he literally just designed it and never tested it on a cell or any animal) to regrow hair.
These drugs, unapproved and largely untested in humans, were obtained through a "group buying" scheme. This method involved large groups of people pooling funds to purchase something from an entity: in this case drugs/chemicals from JennysChems, a Chinese company. Participants committed to buying specific drugs, which were then manufactured and shipped to them. So people essentially payed to be apart of a clinical trial that offered them no safety monitoring mechanisms and -...
Find more here: Hair Loss Community Member using chemotherapy drugs to "regenerate" hair follicles. Dangerous and irresponsible. Bad science.
New Treatments and Huge Groupbuy with lots of Research
Archived - New Treatments and Huge Groupbuy with lots of Research
https://preview.redd.it/1pc9atmasi5d1.jpg?width=1080&format=pjpg&auto=webp&s=9b5163ea49123cfe664ebe24da791e3d029b5fd7

Hair Loss Community Member using chemotherapy drugs to "regenerate" hair follicles. Dangerous and irresponsible. Bad science.

Hair Dao, wtf are you doing?

Well, there are allegations that one of the co-founders contemplated offering payments for blood work and "reimbursements" to those purchasing drugs through Jumpman’s chemotherapy group buy. Below are screenshots from their Discord server and Jumpman's Telegram, revealing these disturbing discussions. Essentially, Jumpman tells these people, many of who claim to have Post Finasteride Syndrome or distrusting of "Big Pharma" that by particpating in this groupbuy and using these chems, Hair Dao would be one step closer to the cure. Jumpman then encourages these people to upload their bio metric data to Hair Dao's "secure patient platform"
One of the co-founders (andy1) seemingly supporting of this group buying. Also, wtf? dsmo? that increases the absorption of WHATEVER you put on your skin...even chemotherapy drugs.....
real screenshot...
Jumpman states that Hair Dao will pay for the blood work for those that participate in the group buying
Perhaps this is the TM community that Andy1, a co-founder of Hair Dao, was talking about?
This is worrying because we essentially have Hair Dao co-founders and team researchers running an illegal human clinical trial. I wonder where their ethic ID/code is for this clinical trial? Well who cares... it can't possibly get any wors--
Well, Jumpman seems to be collaborating with an actual University Researcher from the Imperial College London named Dr. Claire Higgins. I say seems to because that's what Hair Dao states on their twitter
https://archive.ph/KVJgY
So, let me get this straight...this guy who was organizing an illegal human clinical trial is apparently collaborating with a University researcher along with that university's research department? Why would Dr. Claire Higgins, a briliant researcher, be associated with such a thing? It seems that she is working with Hair Dao on something and Jumpman has something to do with it, right? She must know who Jumpman is and what he's about? Right? RIGHT??
Well...probably not? In this video, a youtuber who had been dealing with harassment from members of Hair Dao's research team and discord server exposes that Dr. Claire Higgins denies knowing who Jumpman is (and she does this rather aggressively at that). https://youtu.be/n6LvAhxWJ64?si=AjEK5qrKHlWUq8wm&t=213 at 3:42
So, someone here is lying of over exaggerating something...and in either case is could defiantly count as a securities violation (US SEC).

So, where does this leave you?

Well... Just don't fall for their schemes. Honestly, think to yourself, what would the funding of hair loss research require CRYPTO at all? The most transparent thing these crypto bros could do would...well not make a crypto? And also register as a non-profit. In the United States, non-profits are required to state to the public on how they get their funds and use it. Simple. Shut. Done. You should not need to use crypto for this operation when you have websites like GoFundMe that can facilitate crowd funding.
They've been making some hardcore attempts to spread this crypto all over YouTube and members of their discord server have taken to harassing youtubers to support the crypto project. Don't be fooled by their donations and affiliations with some actual university researchers and doctors: this could very well be a case of credibility laundering, where, the association with legitimate figures somehow furthers the ethos of an individual/person. After all, do you remember Theranos? https://youtu.be/jIqF95qiQSs?si=Cv9hK-DcuOY1ypmg
Members of this server have even doxxed and created fake screenshots of youtubers all as a means to gain favor to push this project. Who would ever take this skibidi crypto serious?

I have a purebred noodle horse 😅 (greyhound). But still very curious about her genetics. Mostly just because I am a nerd. Obviously some traits she has I can visibly see and therefore make a semi-educated guess about which alleles are present. However I would like to get a test done to see more of what she carries. Mostly interested in physical traits of coat colors, eye colors, pigmentation patterns, masks and such. I am in Europe though. Here we send samples to Laboklin for analysis of genetics, and Mostly for health related things. I will send in to Laboklin to check for certain breed related illensses. But Laboklin do not offer a bundle that includes the testing for coat colors and such.. you really have to buy each test separately 🙈😅 which gets pricey to say the least.
Any good tips on where I can do my silly frivolous color testing ?