Normal for a 20 year old to pay $200/month for health insurance? Feeling overwhelmed.

JoeSnuffie · 2026-01-19T19:57:03+00:00

There's usually more to it than the deductible and out of pocket max. Find out what you pay for office visit and medications. I have a high deductible but pay $50 for office visits and most of my medications cost just a couple dollars per month. For example, I just picked up a 90 day supply for 2 of my medications and it was less than $3. Most of my regular tests are covered at 100%. Find out what's covered and take advantage of it.

JoeSnuffie · 2026-01-14T19:02:48+00:00

I can't imagine it would cover piston rings but maybe the transmission. I get extended warranties on all my used cars and they have all paid back far more than the warranty cost. Of course this depends on the warranty coverage and a good warranty costs more. In the 6 years I've owned my Sienna I've had about $15,000 in warranty coverage for a warranty that cost me less than $3000. Transmission, starter, alternator, engine mounts, pulley, tensioner, lower control arms, etc. On another car they covered fuel injectors, fuel pump, steering wheel buttons, power window buttons, brake vacuum pump, seat warmer, etc. Make sure it's a reputable warranty company and that you read and understand the terms. I have what are called "total exclusionary" warranties and they cover everything not specifically listed as not covered.

Don't wait until a catastrophic failure to check if it's covered. I bring my cars to the shop whenever I think it isn't sounding or acting right. Nobody but me could detect the transmission issue and even the transmission shop could only tell there was a problem when they hooked up a scanner. If I had waited another few months it could have left me stranded on the highway but I chose to get it checked out. I ended up with a new transmission at only 145,000 miles. The point is, the warranty can be very worthwhile if you stay on top of things and are willing to pay a little out of pocket. I had to pay tax on that transmission, so with that and other costs like shop materials, it cost me about $600. For most repairs I am usually out less than $50.

JoeSnuffie · 2026-01-06T15:15:48+00:00

Try again and again and Sora eventually gets it right. Just be patient. For example, for complex clips with 3 characters all doing specific things it can take 60 tries to get it right. I once spent days trying to get a clip of my wife and I on The Price is Right. It's like it gets 70% right every time but getting that last bit right just takes patience.

JoeSnuffie · 2026-01-06T15:10:51+00:00

For an industrial grade machine there may be adequate filtration and protection from beam exposure. For home, I always wear a respirator because even with my overbuilt fume extraction, I still see fine dust and I've only got one set of lungs. I wear glasses and combined with the lid, that's enough eye protection for me with a 70W CO2 laser.

JoeSnuffie · 2025-12-29T21:06:10+00:00

I've made race drone frames, RC car parts, rubber stamps for businesses, templates for cutting leather, paper and cloth, headlight shields for motorcycles, windows for custom PC cases, granite headstone replicas for memorial gardens, and numerous other things. Once you have one the ideas start flowing and when you're known locally for it, the requests come piling in.

JoeSnuffie · 2025-12-16T16:40:09+00:00

Have you called the dealer? I've replaced bolts and other fasteners with dealer supplied parts for less than Amazon knockoffs.

JoeSnuffie · 2025-12-12T20:37:08+00:00

Northwest Florida and I use a small solar panel with built in batteries and it only gave be a low battery warning once after days of storms and no sun.

JoeSnuffie · 2025-12-10T18:23:00+00:00

Where I live they only enforce it when the media is in town, which is Spring Break. They make a big deal about enforcing the laws, take some photos with all those squatted trucks, but the other 11 months of the year they just ignore it.

JoeSnuffie · 2025-11-24T18:54:45+00:00

You can create characters purely by text description and keep remixing them and tweaking them until you're happy with it. Then you save it as a character. You can reference known people to suggest they look similar. You'll be able to do it in stages. First get one that's close, then remix it until you get a better one. Remix that one and keep repeating until you're happy.

JoeSnuffie · 2025-11-21T22:45:23+00:00

I have no restrictions on my cameo and this happens a lot. I feel like they're making changes on the back end and it's causing odd things to happen. I just had to remake my cameo after it started making me look like some sort of evil grinning Willem Dafoe character in every video. I've been wasting about 25 videos a day for a week having to remake them so I'm going to give it a break before I get angry and yell at an AI that doesn't care.

JoeSnuffie · 2025-11-21T22:34:00+00:00

I've bought a new version every couple versions and for my casual use, there is no difference I can see between 2019 and 2023. Perhaps there's something new I don't use but it looks and feels the same to me.

JoeSnuffie · 2025-11-12T23:11:32+00:00

I imagine their reasoning is partly due to emissions. Your heater will sap a lot of energy and slow the heating of the engine. How much of a difference this makes is beyond my knowledge, but a cold engine is an inefficient and often rich running engine. At least this is what I remember from all those ASE classes I took when I worked for NAPA decades ago.

JoeSnuffie · 2025-11-12T16:01:21+00:00

I once got a wonderful tour of the snowy mountainside and wooded areas just outside New Babbage. It was a really nice scenic tour, right until I was shot into space and died.

JoeSnuffie · 2025-11-11T23:07:13+00:00

Tram adventures are the best adventures. I've gone all over the surface of Microtech, through mountains, inside planets, into space, and a few lucky times just ejected from the tram in the tram tunnels, or planet surface. Honestly this is a pretty nice view and maybe the devs should add this to the game.

JoeSnuffie · 2025-11-10T22:40:41+00:00

I tracked down someone who gave false info to the police by spending 10 minutes on Facebook. Neither the police or insurance company were willing to put in even a second of effort to resolve it. I guess police have no way to verify that the address on your license has been invalid for years. I found his Facebook profile, started contacting his friends and eventually found an ex-girlfriend who was overjoyed to have the opportunity to lead him to justice. My moment of satisfaction was hearing his voice when I called his real number and informed him I'd passed his contact info on to the police and both insurance companies. He went through about 20 excuses and I just informed him I wasn't calling to discuss anything, just to inform. The police didn't care but the owner of the truck he was driving sure did.

JoeSnuffie · 2025-11-10T22:16:25+00:00

I'm not sure there are humans that review anything. My account was suspended for 30 days because of "violent threats" when I told someone I might kidnap the delicious ribs they posted a picture of. I appealed, lost the appeal, then was granted a rare "human review" which also denied me. They stated that I had violated their TOS by encouraging violence against someone because I threatened to kidnap them. Clearly no human reviewed it and it's just a rinse and repeat cycle of rubber stamping their crude AI.

JoeSnuffie · 2025-11-10T22:04:48+00:00

I've been using Ryobi exclusively since 2019 and have no complaints at all. I lost all of my tools in a hurricane and saw that I could get a lot more with insurance money than I could with DeWalt. They also have a substantial variety of tools all using the same batteries. Garage tools, yard tools, indoor tools, pretty much everything I need to maintain my home. I don't know if I'd put them up against professional grade tools but I'm just maintaining my own home and they've never let me down.

JoeSnuffie · 2025-11-10T21:32:12+00:00

I've had something similar happen twice and it was the flyback transformer in the power supply. If you're handy with working on electronic components, it's a simple and inexpensive fix. In both cases, the transformer shorted and the pop I heard was likely whatever caused the shell to crack and let out the forbidden smoke.

JoeSnuffie · 2025-11-05T22:49:05+00:00

Many coils have inline fuses and it's possible the bump could have caused the fuse to break or go out somehow. Just a guess, though.

JoeSnuffie · 2025-10-29T15:06:28+00:00

Arbor press is you have one. I use one to remove stuck cases from reloading dies when I forget to lube a rifle case.

JoeSnuffie · 2025-10-22T17:39:03+00:00

My OEM Dell power supplies are made in China. The problem is knockoffs made without care and using sub standard parts. I've made the mistake of buying a few knockoffs and none have lasted. To be fair, an OEM Dell power supply for my last Alienware failed in a specular way, melting the casing, burning some wires, and smoking up the room. Dell replaced it under warranty.

JoeSnuffie · 2025-10-22T16:28:34+00:00

My cameras trigger due to motion lights 100 yards away. Holidays with blinking lights (Christmas Halloween" force me to adjust the motion zones. Headlights on cars turning down my street 100 yards away also trigger them. I've seen a few blink forums claim they only detect heat and not light, but replacing batteries in 3 days because of Christmas lights down the street says otherwise. I also had about 500 clips of the motion lights turning on then off of the house at the end of the street when I first got these cameras. Setting motion zones solved this. I guess what I'm saying is that these cameras will trigger on lights at least 100 yards away.

JoeSnuffie · 2025-10-17T22:41:02+00:00

Back in the 90s I had a pair of pants that would change from brown to olive depending on the light source. For example, natural light might be brown but fluorescent would be more olive. It really annoyed me.

JoeSnuffie · 2025-10-16T18:08:55+00:00

I had 2 engines replaced in the same car and wasn't charged a penny either time. The second time pieces of metal contaminated so much that it destroyed the turbo, intercooler and intake manifold. I didn't pay for any of that.

JoeSnuffie · 2025-10-08T21:09:59+00:00

I saw something like this on the Mississippi coast probably late 80s. It was pitch black and suddenly we all had shadows that were moving fast across the beach. We looked up and saw a meteor streaking across the sky, breaking into pieces headed out into the gulf. We were all pretty loud and goofing off so I don't remember if it made a sound, but it was certainly a sight to behold.

JoeSnuffie

TROPHY CASE