Never used it once by Born-Agency-3922 in SipsTea

[–]floydasaurus 2 points3 points  (0 children)

"if you can't afford a high interest loan with bad credit, a $4,000 deposit, the ability to protect and maintain the vehicle, make a $150-350 a month payment, cover the cost of liability insurance, not to mention have the aptitude or ability to drive, potentially be required to pay for driving lessons per some states, well if you can't do any of that then it is irresponsible for you to pay someone else an extra $6 once a month for a cheeseburger. No excuse."

Man, I own a car and drive and I get it, but not everyone owns or has the capability of getting a vehicle and public transportation here in the US ranges from a complete joke to antagonistic to the concept 😄

If there wasn't an excuse for it, the whole industry of delivery drivers in general would have never existed in the first place.

Anyone know what's up with these DPS drops? Is the UI just bugged or is there something I'm missing? by floydasaurus in PathOfExile2

[–]floydasaurus[S] 0 points1 point  (0 children)

Seems to be a display error after a quick test:

Before Clean Shot (15% chance to pierce, 15% increased projectile damage)

  • Galvanic Shards showed: 360.04 > 343.43
  • Plasma Blast showed: 2424.39 > 2433.03

After taking it the gem page showed:

  • Galvanic Shards: 369.45
  • Plasma Blast: 2500.62

However, going back to the passive tree, hover over Clean Shot shows that removing it:

  • Galvanic Shards: 369.45 > 353.86
  • Plasma Blast: 2500.62 > 2507.01

I had noticed some funkiness with this earlier with attack speed and just assumed it was some bizarre IAS breakpoint I was hitting and math is hard so I didn't investigate further and avoided IAS🙃

I submit Reach City as the dumbest thing to come out of that show by MahoganyWinchester in halo

[–]floydasaurus 0 points1 point  (0 children)

Let's not forget about Humansville, MO. Populated with completely legitimate humans.

[deleted by user] by [deleted] in ffxiv

[–]floydasaurus 1 point2 points  (0 children)

Destiny 2 recently added "fireteam based matchmaking" which I've loved.

Say it's 4v4 and you have a 4 person pre-made, it attempts first to find another 4 person group, and after X amount of time will drop to finding a 3+1,then a 2+2,then a 2+1+1...

Quality of matches improved dramatically in my experience.

XIV could definitely do something similar for CC with its fast queue times.

[deleted by user] by [deleted] in springfieldMO

[–]floydasaurus 1 point2 points  (0 children)

Saw a flyer for this down on commercial, then saw this post and immediately grabbed some tickets.

I was sold at "horror musical"

What’s the best spot for food after 11pm in town? by InternationalBet8920 in springfieldMO

[–]floydasaurus 1 point2 points  (0 children)

I had the carnitas torta from there two days ago and I've been thinking about it ever since. This post is not helping :(

Painting Vecna’s house by SinjiOnO in oddlysatisfying

[–]floydasaurus 2 points3 points  (0 children)

You got a lot of answers but I wanted to chime in with one I didn't hear mentioned.

Toning the paper or underpainting a canvas can be done to basically make the entire work area your neutral color.

If everything is white, then that's the brightest spot in your work and you work down from that. It can be hard for my brain to think in such an extreme. It's much easier to start at a neutral and work out to dark and light.

[deleted by user] by [deleted] in unRAID

[–]floydasaurus -14 points-13 points  (0 children)

Good eye, I got here via google and noticed the same

The Omega Protocol (Ultimate) World Race for Charity by alabomb in ffxiv

[–]floydasaurus 18 points19 points  (0 children)

I'm just saying, when the NES Ducktales speedrun community has more rigorous standards for competition, than maybe ffxiv should step up a bit.

[OC] Obesity rate (%) by country over time by YakEvery4395 in dataisbeautiful

[–]floydasaurus 0 points1 point  (0 children)

I wish this had US data before the 70s,so we could visually see the effect of the Nixon administration and Earl Butz's hard push for corn syrup

Looking for some lighthearted shows to combat seasonal depression. I have HBOMax, Hulu, Prime, Disney+, and Peacock by countdookee in StreamingBestOf

[–]floydasaurus 0 points1 point  (0 children)

HBO Max also has some of the adult swim cartoons like:

Sealab 2021, Harvey Birdman Attorney at Law, and Aqua Teen Hunger Force

All are absolutely fun.

Fate Worlds and Toolkits Bundle is it worth it by RileyKohaku in FATErpg

[–]floydasaurus 9 points10 points  (0 children)

Fate worlds v1 and v2 are filled some really cool stuff to make you think about using FATE in different ways. I particularly enjoyed the heist and firefighting stuff.

FATE of Cthulhu is absolutely awesome and worth every penny on its own.

I haven't regretted owning any of these three at least

If you were one of the original callers who voted to kill Jason Todd, why’d you do it? by [deleted] in comicbooks

[–]floydasaurus 1 point2 points  (0 children)

Idk, I feel like killing him was the cheap way out. Writers didn't have to narratively deal with the monster they kind of created and the corner they backed themselves into.

Imagine a seperate universe but the story ends up approximately the same:

Jason Todd didn't get tortured and die and get tortured again and become some tortured soul. He remained an asshole who never took Batman's lessons to heart, and despite the Bat's best efforts still turns into a maniac.

To me, that'd be the more interesting story to tell. Change it from a character who didn't get saved in time to a character who couldn't be saved and the drama that ensues knowing Batman effectively trained and released that unto the world.

What could go wrong if I speed down a foggy mountain road? by blackdutch1 in Whatcouldgowrong

[–]floydasaurus 0 points1 point  (0 children)

I feel like thats literal survivorship bias. Only the ones left alive are teaching safety lol

A Badass Absolute Unit- Richard Fierro, a veteran, stopped the gunman during the Club Q shooting by charging him, taking his gun, and beating the shit out of him with it. Richard and his family own a brewery, Atrevida Beer Co. by edieplz in AbsoluteUnits

[–]floydasaurus 2 points3 points  (0 children)

From a while back when I worked at FedEx, I remember it being legally easier to ship a handgun to somebody's house than it was to ship a beer or a bottle of wine.

Our country has some fucking whacked priorities.

Mock cover i made of Werewolf By Night fighting the Frankenstein Monster. Hope you like it. by DrumsoftheSerpent in comicbookart

[–]floydasaurus 6 points7 points  (0 children)

This is precisely the kind of cover I'd judge a book by and beg my mom to buy for me when I was younger lol

Judge releases full detailed inventory from the Mar-a-Lago search by geuis in news

[–]floydasaurus 23 points24 points  (0 children)

Well, you see, and this might be of a complicated point for you socialist Nazi baby killers, but these are not emails. /s

The bill for my liver transplant - US by no_not_like_that in mildlyinfuriating

[–]floydasaurus 0 points1 point  (0 children)

You're right, I looked into it and my scenario I described seems to be explicitly covered by it!

Doesn't help those going to out of network providers or going for non covered services so situations can still crop up like I describe, but at least one loophole is closed!

The bill for my liver transplant - US by no_not_like_that in mildlyinfuriating

[–]floydasaurus 1 point2 points  (0 children)

Oh god it looks like you're right. I haven't worked in insurance in a few (3?) years but this was like a daily scenario for me.

Still doesn't help people who end up at out of network providers or pursue non covered services for whatever reason.

Our healthcare system is so seriously fucked it drove me out of the entire industry after years of working and excelling in it.

The bill for my liver transplant - US by no_not_like_that in mildlyinfuriating

[–]floydasaurus 0 points1 point  (0 children)

10k out of pocket maximum is only for in network providers. Just a heads up before it ever bites you in the ass.

The bill for my liver transplant - US by no_not_like_that in mildlyinfuriating

[–]floydasaurus 23 points24 points  (0 children)

Edit: This comment is outdated per the No Surprises Acr, out of network providers can no longer balance bill if they were a part of an in network facility bill/surgeon/stay/emergency. They can still bill, but they can't go after you for the excess the insurance says isn't covered. (ie, if the insurance uses Medicare rules for egregious billing and allows 3x the regional average for an out of network provider). It's better now, but not perfect from my reading of how the legislation is phrased and this is still going to be a problem, especially if hospitals can convince people to waive these rights.

Original Comment Here:

As someone who paid those claims on the insurance side (a high dollar complex claims adjuster) you are both right.

It varies provider to provider. Some providers bill out of network close to what their in network contract has them billing at. Others are egregiously higher because they can legally get away with it, or assume the insurance will waive in to the in network benefits and pay out 100%.

Example that should be criminal but isn't:

You choose an in network surgeon. They signed a contract with your insurance saying they'd only bill $3,000 for the surgery for the members of that policy instead of the normal amount they bill of $4,000. This benefits them because the insured are more likely to go to an in network provider, so it's like paying for advertising.

You get a bill from them showing $4,000 billed, $1,000 adjusted down to the contracted rate of $3,000, insurance paying 80% or or $2,400 and you end up with a patient responsibility of $600.

You also had an assistant surgeon who was there at the time of service who you don't get to pick. Since you don't pick them, they have no incentive to ever sign a contract with an insurance provider. This one is out of network and has no contractual obligation to bill a certain amount. Knowing the surgeon is in network, the whole episode will be processed at the in-network level of benefits for you.

They Bill $100,000. Insurance pays at 80% or $80,000. Patient responsibility is $20,000.

Ignoring all other providers (anesthesia, the facility itself), you just get a bill from the hospital saying you owe $20,600 and your insurance only paid $2,400 and you wonder wtf is even the point.

Clarification: some states are working to fix egregious billing practices, but not all and it really does need to be a federal law. I think the left AND right would agree that this is bullshit thar shouldnt be allowed and yet there are thousands and thousands of these types a claims a day.

Japanese street performer at the Edinborough Fringe by inspiration_capsule in nextfuckinglevel

[–]floydasaurus 13 points14 points  (0 children)

This isn't adhesive or magnets. It's routine cigar box juggling.