8ft bed can be optioned on basically every truck. People buying trucks just prefer the crew cab because the vast majority of them are never hauling shit

just get a clamp one?

This will depend wildly on what you are planning to put onto it

That said I have a 2 cyber power 825va (I think that’s the model, not sure). It’s like 450watts each iirc. I got them 2 for 1 for about $120 new. One has my server/nas, for which it’s grossly underpowered (maybe 7-10 minutes of runtime, at best), and one powers basically everything else critical in my rack (modem, switch, poe switch, etc) and powers that longer but still not as long (my primary switch is a business switch that was pulled from an ewaste place for nothing, like $15, but it’s got 48 gigabit ports and 5 10gb ports! But it also uses a shocking amount of power).

They work great for my use case. I live in a rural area with a horrendous power grid so I lose power about once every 6 weeks. As a result I have a (very pricey, can’t recommend unless you lose power a lot like me) whole house generator with automatic transfer switch. When power drops out the generator kicks on and switches the house over to generator power which takes about 45-90 seconds, so I really only need these to keep my gear on for that period. Beyond that it’s generator monitoring and if the fuel supply for that is running low network gear is shutdown to conserve power

In a perfect world where I was financially independent I would probably upgrade the server one to at least a 1500va to ensure my storage pool could fully stop and everything could shut down even if power was lost

But most ups will work with monitoring in one way or another. APC and cyberpower work with the apc daemon (probably others) which can easily be implemented into all kinds of software and has support in mac, Linux, windows

Determining battery life depends greatly on load. Rough calculation with power supplies of gear connected, better calculation with something like a kill-a-watt or multimeter and taking a reading for a little while under load, add it all together and add 20-30% to be safe. APC, cyberpower, etc have calculators for this

Buying used can be okay but you do have to be comfortable changing the battery. Additionally there is the risk of something being wrong with it of course, they’re not bulletproof. They’re usually pretty decent though, the bigger thing is that they’re just really expensive to ship, even without batteries

While this is absolutely true effective supervision and competent management make a world of difference with this issue.

Lazy staff continue to exist because they are typically inadequately supervised. As a result the extent of their behavior is not clear to management. So that needs to be corrected. But if that’s corrected (it could be) management needs to respond to the problematic behavior with appropriate consequences (eg constructive feedback, warnings, corrective action, firing) to shape the behavior going forward.

There’s a lot more to it; a huge part that is often overlooked is that management should also be providing ongoing consequences in a positive sense to entice the desired behaviors. Fear of punishment isn’t really a great consequence for operant conditioning. So we look at some other options: how do we create motivation to make people want to do their job tasks? How do we build morale? How do we build enthusiasm? This can be as simple as “if you get [x] done consistently you get [special privilege]”. Corrective and punitive action should be a last resort for when these systems are failing, even if you’re adjusting them to try and make them work

This is a cultural problem in the us (and many other places) though. We have this view of “I gave you a job and I’m already paying you so you should be so fucking grateful to me”. We love the hierarchy model. The idea of management and ownership taking care of workers is something that’s laughable or, at best, paid a pittance (here’s a small bonus, keep working a lot). It’s only very recently that companies have started giving a shit about industrial and organizational psychology/organization behavioral management/etc and even when they do it’s usually lip service to buy street cred

But ultimately it’s managements job to create an environment that makes employees want to work. The frustrating part though is that this isn’t really a problem to most management because the financial impacts are hard to measure. They’re definitely there and sometimes they’re more directly measurable, stuff like increased turnover as you burn through staff, but more often than not it’s stuff that’s far more subtle and difficult to measure like decreased utilization and productivity.

What you say makes sense but when people can see that there are decades of precedent for what you describe literally never happening it becomes much more understandable that people start to conflate vigilantism and murder with justice.

If the system consistently fails to provide consequences for an elite class at the expense of an entire generation what options are left? If you fail to stop a child from poking a dog you can’t really blame the dog for biting the child; you fucked up by failing to provide consequences at any point before the situation blew up.

No. For every one freeze dryer that is sold 1000 microwaves are sold. The consumer demand simply isn’t there outside of niche communities like survivalists

pfsense running on whatever hardware that doesn’t use too much power

That’s good to hear. I have a zigbee stick but haven’t found the time to repair them that way yet. I definitely agree they’re good products, it just left a real bad taste in my mouth when after years of using them I got a notification in the app that soon I’ll be required to put them online, which is nonsense

Just fyi for anyone who would care about this: while hue bulbs are built well they are moving towards a model that requires you to put them on “the cloud”, even though they were sold for years and years without that requirement. The update will be mandatory whether you want it or not as part of Philips security being integrated into the app. It’s unclear what will happen if you don’t create an account and sign in at that point

So if you’re like me and put all your iot shit on an isolated vlan without internet access they may not be the best option for you. Or if you just don’t want to support a company that wildly changes the tos years after purchasing their (expensive) product. I don’t want my home shit on the internet, I don’t trust Philips to put enough cash or effort into securing their servers, etc.

The bulbs do work with zigbee though and that seems to be a viable alternative to using their hub/app although I haven’t tested it fully. This also means if you’re using them via HomeKit you’ll need some kind of bridge like home assistant

You can also use komf alongside komga/kavita to just scrape metadata automatically upon import. A bit finnicky to get going (a tampermonkey script is required to give it accessible setting on the komga page) but works very well and even has a gui for identifying results and selecting the correct option if the auto scrape fails similar to jellyfin

For the actual reader part I just use komga as a server and read through Mihon (one of the tachiyomi forks) on my ereader mostly. occasionally I’ll use paperback on my iphone (although recently I’ve been trying Tachimanga, which is basically an iOS tachiyomi fork). Loads library, can sort by tag/library/date added, reads most things very well, can sync read status with the komga server (and/or manga updates or whatever), etc.

https://journals.sagepub.com/doi/10.1177/2167702620921341 - the bigger takeaway from this one is that trigger warnings reinforce trauma as a central part of the traumatized individuals identity but they did find some incidence of drawback/harm

https://journals.sagepub.com/doi/10.1177/21677026231186625 meta finding no benefit and actually can cause an anticipatory reaction making the person more engaged with the material

There are others, this is just what grabbed from 30 seconds on google scholar. Its been a bit since I’ve done more serious lit review and it’s not like I keep a directory of papers I’ve read

The issue is the culture surrounding trigger warnings. Let’s be real here, people looking for trigger warnings are generally (perhaps overwhelmingly) not looking for material to help with their exposure therapy. They are looking for a “warning” to help them screen material to avoid. The issue is that this creates an unrealistic expectation that is incompatible with the real world. You can avoid suicide, sexual assault, eating disorders, or whatever in your media (maybe) but real life won’t sanitize itself or warn you. You will encounter these topics, whether through the news, careless speech from friends, or even intrusive thoughts of your own. Research continues to show that avoidance of upsetting topics can worsen anxiety and ptsd symptoms

To your final point the idea of it helping to create a choice isn’t even as clear cut as you describe

https://journals.sagepub.com/doi/10.1177/21677026221097618 content warnings actually increase the likelihood someone will view problematic content. This point is further reinforced by similar findings in the meta linked above

So you have a system that ultimately makes creators feel like they’re doing something noble, that is likely at best useless and potentially harmful. Said system increases the likelihood that a person will view the problematic content but also enables the reality that a person will simply avoid the things that provoke their anxiety which again is more strongly established as harmful

https://www.sciencedirect.com/science/article/abs/pii/S0005796712001064 - ptsd worsens with avoidance

https://www.sciencedirect.com/science/article/abs/pii/S0962184904000290 - anxiety disorders do the same

There’s evidence that trigger warnings actually worsen anxiety and are counterproductive

The way to treat anxiety is to face the source of anxiety to try and change your relationship and reaction. The best way to do this is via controlled access that exposes one to the trigger gradually in a context that has no risk of harm (eg a media depiction, discussing the concept, building up to discussing the source of trauma that led to the phobic response if applicable)

Trigger warnings enable active avoidance. This sensitizes one to the aversive stimuli and makes the phobic response stronger. As a result when one encounters the stimulus (eg a friend, family, celebrity etc commits suicide, suffers an eating disorder, etc) your resilience to the trigger is now even lower and the response is more likely to be more significant than it was before.

That said education on access to resources like 988 or other warm lines can lower suicide rates, maybe. Research is more mixed here because it’s difficult to prove causation

Then if you’ve met your deductible the big question is if you have a coinsurance after the deductible is met and an out of pocket maximum.

If your coinsurance is 60% or 80% or whatever, you won’t be responsible for the full bill but only that percentage of it.

If you have no coinsurance (a no charge after deductible plan) the service should be covered 100%

If you have coinsurance you should have an out of pocket max, which once hit should end the coinsurance and make services covered 100%. OOP max is typically quite a bit higher than deductible, sometimes 5-7x as much, but not always. It’s plan specific.

If your employer pays 50% that is an arrangement they have worked out and the specifics will be tied to your companies contract. This could mean they would pay 50% of any bill (unlikely as this is not a fixed cost they can plan for. Maybe if you’re like a ceo or some shit) or it could mean that up to your deductible they’ll pay 50%.

Also keep in mind even if you’re in a “covered 100%” scenario there are some instances in which you would still get billed:

Differential vs contracted rates - if the hospital charges $5000 for your procedure but your insurance only pays $4600 the hospital can sometimes bill you for the difference. This is not always the case; some contracts require the servicer (doctor) to accept the contracted rates and not charge more. Most common reason you’d get a bill in the above 100% scenarios and also the reason the math might not work out in coinsurance scenarios. Eg in the above surgery example your bill would probably be $1320. It should be 920 as that is 20% of the $4600 paid, or even $1000 as that is 20% of the 5k billed, but you pay the 920 as 20% of what your insurance paid plus the $400 difference, so $1320

Out of network providers - these can often have a separate deductible and sometimes in hospitals a provider can be out of network even though the hospital itself is in network

Non covered services - if the procedure involves a service that isn’t covered (uncommon)

Billing errors: if a bill looks wrong contest it and if your insurance isn’t reimbursing providers properly complain to them. Sometimes a medical office gets your info wrong and assumes your deductible or coinsurance is active when it shouldn’t be. Sometimes your insurance makes similar mistakes.

one of the most frustrating aspects of being a therapist in america in the past 10 years is the hand waving of the ethics involved in the financial renumeration of our relationship with those we serve

I would say a significant stressor for the overwhelming majority of the clients I have is financial woes. And because the system is backwards, those with high paying jobs well into their career tend to have the fancy PPO plans with no deductible where seeing me (or anyone) is only $10 despite the fact that they could much more easily afford a 5-10k deductible. Meanwhile the people who are making 20-50k a year on the other end of the spectrum almost always have those high deductible plans with sometimes massive deductibles and rarely have employer funded hsa.

I’m not an idiot, I run my own practice and I do the books for it. I can do the math to figure out how much take home pay someone has with those salaries. I can also conceptualize the cost of housing, food, phone, transportation, etc because I am also paying these things. So when I meet someone here and their appointments are $140 per meeting I am in a tough spot. I am asking them to take on a burden of $560 per month (assuming weekly sessions). That’s immense. And if the deductible is 5k, 7.5k, 10k, it will take ages to meet especially if they’re younger and not really making contact with many other medical providers.

I am contractually obligated to charge what your insurance pays me in these instances. If your insurance pays me $140 for the hour I have to charge you that until you hit the deductible. I could be dropped from the network if I modify this for you and get caught.

I can ask you to skip using your insurance and charge a lower out of pocket rate but this is complex. For one, many therapists can’t adjust their rate much lower. I have flexibility here because my practice is entirely telehealth so my overheads are much lower. But if you see them in an office? They are paying about 40-50% of that just in rent most places.

Additionally even with telehealth I have to be careful with adjusting rates. Insurance only pays me for specific timed and coded sessions. If you and I have a phone call for 25 minutes? Not covered. If you ask me to collaborate with your psychiatrist and I talk to them for 40 minutes? Not covered. The time I spend dealing with billing and this system, which works out to an average of 20-30 minutes per session? Not covered. So the 25% of my week doing billing shit and the overtime hours doing phone check ins, case collabs, etc. has to be covered by that.

This is why many therapists give fee schedules and charge you for all of these things. If you want paperwork from them it’s $1 a page, phone calls are $75/hr, etc. I can make it work without this because I’m not paying for office space but if I was I would need to do this to keep myself afloat.

This is also part of why many, many therapists simply don’t take insurance anymore. Just pay me the $140 directly. I can collect it via square or whatever and your billing is done. I no longer spend 5-10 hours a week on billing nonsense like fighting retracted payments, finding out why claims were denied, etc. You can submit receipts for out of network reimbursement and you deal with them.

I understand why my peers do what they do. But ethically it’s a mess. I signed up to help people and what I have become is a gigantic cash sink that puts a tremendous amount of pressure on the people I serve and is counterproductive to our work.

At the same time I deserve a fair salary for my work and this is the only way to get it. And if I protest the system by leaving it because it’s so broken then the end result is that there’s 1 less mental health provider who takes insurance. If I stop taking insurance altogether I alienate a ton of people with high need who can’t afford to pay out of pocket forever and/or don’t know how to navigate out of network reimbursement.

I cannot tell you how many times I do a screening call with someone and they say “this sounds like what I need”, they tentatively schedule, and then once I run their insurance and give them the actual numbers of what treatment will cost they simply ghost. It is a system that actively deters people from seeking assistance because it is so cost prohibitive

And the insurance lobby has its fingers so deep into the framework of america that this will simply never be fixed. It will only be changed. Look at Kamala Harris’ proposed Medicare for all: it still allows private plans. That will be a movement in the right direction because it will end the idea of someone being “uninsured”, which is great, but it will also create a two lane system in which many practitioners will do whatever they can to avoid taking basic Medicare patients in favor of the commercial plans. Commercial plans, at least in my area, simply pay more. Significantly more. Like $80/hr vs $140/hr. And in the end I will have the same problems because the unnecessarily complex private insurance system will still exist and be very powerful. I will just have one more insurer to add to the web of complexity. But no politician will ever remove the private health insurance industry. To do so would alleviate so much spending waste, so many wasted administrative dollars and man hours, but it would also result in layoffs of hundreds of thousands, if not millions, of americans whose jobs rely on processing the complex bullshit of this system

your scenario is either worded incorrectly or very atypical (which is very possible, there are a lot of different insurance plans in the us

typically high deductible plans work in a way of “meet your deductible and then we cover x% after that”

eg I am a therapist, I bill your insurance $100 for an hour session. You have a $1000 deductible with 80% coinsurance.

Our first 10 sessions will cost you $100 out of pocket, which goes to me directly. I submit billing for these sessions but get no reimbursement from the insurer because you have already paid the full amount. However, my submission of billing indicates to the insurer that you paid $100 for a medical service on whatever date for whatever diagnosis.

After the $1000 deductible is met your insurance splits the bill with you 80/20. Now you pay me $20 per meeting and when I submit the billing the insurance (hopefully) pays the other $80 to give me the $100 per meeting I am owed.

This of course assumes no other medical spending goes on for the duration, otherwise you would hit your deductible faster. If you saw me 3x and then had a surgery that cost $5,000, you’d pay $700 for the surgery to settle your deductible plus an additional $860 (20% of the remaining $4300) and then sessions would be $20 under the 20% coinsurance.

You should also have an out of pocket max, this is kind of similar to a deductible but it is different. This is a tally of your total spending and once you hit it your coinsurance usually drops and you pay nothing.

Also important point is that deductibles reset every plan year. This should have been made abundantly clear to you but I still encounter many who do not know this

Additionally your insurance may have certain services covered that don’t cost you anything or where the deductible doesn’t apply (eg you’d only pay 20% even if it’s the first appointment of the year). Typically this is preventative care, things like physicals and vaccinations

That is the most typical. But like I said it there are many plans and variations. It’s possible you have a plan that prior to meeting the deductible you pay 50% of billing and then have a 0% coinsurance. This would be really great insurance.

It’s also possible that you have a benefits package from your employer that is basically paying 50% of your deductible in a roundabout way. this is far more commonly done by the employer funding an hsa/fsa account which would be a payment card that you use on medical spending and not the insurer. However, I have encountered plans where the hsa and insurance were rolled together and joint companies, where the hsa would pay all or part of billing prior to deductible on the patients behalf

Using the same examples above you’d pay me $50 until you met your deductible, then nothing once the deductible is met. If you had a $1000 deductible, saw me twice, then had the 5k surgery you’d pay me $100 and $900 for the surgery. If you have one of the situations where the employer is covering 50% of the deductible it would be the same but the surgery would be $400 because ultimately you’re only paying $500 of the $1000 deductible and your employer is covering the other half. This is not a situation I’ve ever encountered

Another important point is that deductible status is dependent on your providers doing timely billing and your insurance processing said billing in a timely manner as well. This does not always happen. As a result you may meet your deductible but my billing verification shows that is not the case. The examples I used above were clean and easy but it’s never that simple. Most people have a deductible around $2500 (and many 2-4x this) and see several different healthcare services.

I submit my billing at the end of each day but some places are sloppy and will take weeks to submit. This can lead to situations where you are charged money because I was under the impression you had a deductible but you should not have been. Eventually the insurer will pay me once things sort out. If I am good at record keeping (I am great at it for this reason) I will catch the double payment and send you a refund. This is why it is important for you to keep track of deductibles and medical spending. Not all offices are managed well. I’ve personally had money stolen from me (because this is literally fraud, to not refund the double payment) and I don’t believe it was ever intentional, just offices with shitty management. Let your providers know if you’ve met your deductible. I will always hold off on charging you if you tell me this, submit billing, and see what the insurance reimburses. If they reimburse me in full then you were right. If they don’t I send you a bill and if that is incorrect you need to call your insurance to complain

You should be able to track deductible and out of pocket spending on your insurances consumer portal (eg go to Aetna.com or whatever and click “for subscribers” and make an account, if you haven’t already). This should also give you an explanation of plan details.

Most importantly you should be able to call the office of the place (or billing dept if it’s a larger health network) doing the procedure to have their office manager check what you will be expected to pay for the procedure both at time of service and expected cost total. This takes only a minute but be forewarned it is essentially an estimate and not a guarantee. Billing can change last minute depending on how the procedure goes (eg added complexity allowing them to add another cpt code for something)

There’s a lot more to it than this unfortunately. Some plans have tiered deductibles, sometimes a staff member in a hospital isn’t personally enrolled and then are considered “out of network”, which is a whole other thing, sometimes you are still responsible for a certain services that the provider requires but the insurance refuses to pay. That last point especially: every time you establish with a medical office or get a procedure you sign something that says you are financially responsible for services not covered by insurance (I guarantee this, every time). So if you get bloodwork with like 30 tests and 2 aren’t covered even if you’ve met your out of pocket max and have the best insurance in the world you’re getting a bill (and potentially a hefty one, some blood tests are extremely expensive)

Sorry this is very long and complex but that is kind of how insurance is? To boil it down to a “eli5” 2-3 sentence explanation would either require your specific plan information in much more detail or to overgeneralize and potentially mislead you.

Put a rubber band between screwdriver and screw, otherwise the other things already stated like CA glue, filing a flathead groove, or drilling the cap off

in the future use the appropriate sized driver and retire drivers when they become stripped

Dumb take border lining on censorship

they’re almost all owned by the same parent network (iheartmedia, which was clearchannel) so it’s stupid easy to coordinate

That shit goes back way before reddit. It was a problem on digg, on 4chan, somethingawful and other vbulletin forums, Usenet, etc. it will be a problem here and every place that comes after

It’s easier to just agree with the group than do critical thinking. It’s easier to just repost the same stupid tired joke someone else just made than to be clever. etc

I don’t know specifically for that state but in many states legal and medicinal weed has been overtaken by a few companies that are quickly buying each other up and rapidly expanding into other states as quickly as they can. in true American fashion the minute weed is legalized nationally we will essentially have the groundwork laid for giant weed conglomerates, the weed equivalent of walmart. keeping prices as high as possible, lowering product quality, and making the experience worse overall. I wouldn’t be surprised if they either were ready to expand into your state directly or had subsidiaries that would, probably lobbied hard to do so long before the law passed

when I was on the west coast a while back legal weed was cheap as fuck and great. dispensaries were all over and randomly named. I’m sure there was intense rivalries and people pushing to consolidate but you could get stuff dirt cheap that was great. nothing like what I’m seeing here on the east coast with companies like curaleaf, truelieve, etc that charge $40-60 for a gram for shit that’s just okay. I quit smoking a few years ago though, maybe it’s better now, but I doubt it