kileywm

The data that I've seen shows that the barriers to solar adoption for the average American home are high installation cost, low grid power cost, unfavorable net metering agreements for grid interconnect, and even some pushback from neighborhood committees (homeowners association aka HOA).

There are exceptions such as Hawaii where grid power is expensive and sunshine abundant, but the US is big, geographically diverse, and because of that adoption varies greatly on regional dynamics.

In this context, "Providence" likely refers to a deity, which is indicated by the capitalization of the word.

Product.objects.filter(color="red")

This is the efficient one, filtering results upstream, via SQL, before they are returned to the client.

While brake lights are a fine and necessary signal, I find myself wishing that cars would display speed & acceleration deltas compared to the vehicle in front. Brake lights do not convey how much deceleration is occurring, so it's not immediately obvious how much time there is to impact.

As an example, I see lots of drivers do minor braking on US highways, where their small braking corrections will cause their tail lights to flash for a brief moment. These minor corrections become noise that drowns out the signal of significant, safety-related braking. If my vehicle could warn me that their rate of deceleration puts our vehicles on a collision course... now that would be very useful.

Very interesting document; however, the text seems to disagree with your adderall explanation.

https://www.federalregister.gov/d/2022-26351/p-16

> According to DEA's data, manufacturers have not fully utilized the APQ for amphetamine in support of domestic manufacturing, reserve stocks, and export requirements for the past three calendar years 2020, 2021 and 2022.

> Based on this trend, DEA has not implemented an increase to the APQ for amphetamine at this time.

Which suggests that the DEA's quota for adderall is not (yet) to blame.

It seems, simply put, that more people are choosing to live alone in this market. If that holds true, then it could explain the large surge in demand in recent years. Perhaps it's not that the market lacks enough housing for people, it's that the market lacks enough housing for the number of people who wish to live alone.

272 days is very high. Full time work in the US with 0 vacation (typically is 10-20 days) and 0 company holidays (typically is 5-15 days) is 250 days. Perhaps you mistyped?

Some stores, like Costco, have an interesting, alternative approach. Many items in their electronics department are prepay. You can try out the floor model (tethered to the display platform), and if you wish to purchase it you pull a cardboard item card. That card is scanned during the checkout process, and once payment is received, the staff bring the physical item from secure storage to the post-paid customer.

With the item card approach, you never have the product in your hands until it has been paid for. Between that practice and their receipt checking at the exit, I do wonder what their theft numbers look like.

One thing to keep in mind is the non-monetary side of taxes: they are used to influence behavior. Offering employee benefits (healthcare, retirement, etc.) is incentivized by US tax code thus influencing more companies to do so.

I'm not saying that corporate behavior becomes uninfluencable when profit taxation is removed, but rather that it will require a different incentive mechanism. That is assuming that we still want to influence corporate behavior through government without legislating it.

That is close, but not quite correct. You can gift <= $15000 per year without reporting it. You can gift > $15000 federal tax-free (state tax may apply), but must report it. Reporting it doesn't incur federal taxes until your lifetime gift total exceeds your lifetime gift exclusion of $11,700,000 (2021).

I heartily recommend proper winter boots for anyone that is worried about slipping. Not all boots are created equally, but the tread and rubber compound used for most winter boots can make a dramatic difference in grip while walking.

For those who have never owned transportation in a cold climate: winter tires on vehicles make a big difference in traction. They channel and grip to snow and ice much better than the tread and rubber compound of a standard all-season tire. The same concept applies for winter footwear.

"Circuit breaking" is a threshold (examples: elapsed time, attempts, etc.) that triggers a discontinuation of the current action (examples: HTTP request, HTTP response, etc.).

"Bulkheading" is about one part not taking down a whole, which is more thoroughly described here: https://docs.microsoft.com/en-us/azure/architecture/patterns...

Having used both, Bitwarden has been a better overall experience for me and much better for my friends and family. I still like both of them.

KeePassXC

* [Pro] Excellent desktop app. Fast, easy, polished, powerful (TOTP available by default).

* [Pro] Great data ownership philosophy and data storage flexibility.

* [Con] Poor cross-platform app experience, especially on mobile (iOS in particular).

* [Con] Tinkering required to sync data. This isn't a big deal for many of us on here, but presented a large barrier to entry for my non-tech-savvy friends & family.

Bitwarden

* [Pro] Excellent cross-platform experience.

* [Pro] Low barrier to entry via SaaS, making it a good option for less-than-tech-savvy folks. This is ignoring the nice option to self-host.

* [Pro] Sharing features (haven't actually used them).

* [Pro] Web vault is accessible via web browser (accessibility).

* [Con] Web vault is accessible via web browser (increased attack surface).

* [Con] App is a tad slow (electron), but this is an acceptable price to pay for the good cross-platform experience.

I'm speculating, but there are a lot of normal, asymptomatic ways in which a virus may be spread.

1. Mucus. Cold weather can trigger a brief runny nose, which in turn is easy to wipe on sleeves, arms, or the back of the hand without much/any thought.

2. Saliva. Spittle from speaking is just about impossible to stop.

> Why aren't heat pumps used these days?

Heat pumps are likely not used in New York state because most of them cannot warm the house sufficiently during the coldest winter temperatures (0F or less).

That high yield savings account is (likely) unavailable to their tax-advantaged account(s) such as 401k. In that case, their choices may be limited to stocks or bonds.

> should your mortgage go underwater you will lose that home

How did you arrive at that conclusion? I'm no expert in that field, but an underwater mortgage really means a decrease in mobility for a mortgage borrower (example: if they want to sell their home and relocate, then their sale proceeds will not cover their full liability). It should have no bearing on the ongoing affordability of that mortgage which is the primary cause of a mortgage borrower losing a home. What am I missing?

Yes, but it is quite slow. Even 12 hours of charging might not be enough for someone's commute. For example, let's look at Honda's PHEV, the Clarity.

17kWh battery.

47 miles EV range.

Charge time @ 120V = 12 hours. It essentially can charge up to 4 miles of range per hour on a standard circuit in a US home. Cold weather? Your power needs go up, range goes down, and charge rate drops as well. 15 amps @ 120V EV charging is not practical for most EV owners, at this time, but you are correct that it is possible.

I just want to point out that, as a user, opting out of this portion of Chase's agreement could result in Chase deciding to close your account. Not advocating what course of action to take, but merely pointing out that there is risk associated with this action.

That being said, I have read through the email from Chase, and there is nothing that explicitly states that they will close it as a result of the user opting out of arbitration.

Does anyone have experience with similar situations with Chase or other banks and agreement opt-outs that they could share?

A lot of this discussion centers around retirement and how many will end up with little-to-no savings to live on when they exit the workforce.

General question: what recourse does someone have that retires with no savings now, in the US?

Some ideas...

1. Gov: Social Security (Income)

2. Gov: Medicare (Healthcare)

3. Gov: Various assistance programs (Food, utilities, etc)

4. Social: Add roommate(s) to split cost of living expenses

5. Lifestyle: Downsize

Follow-up question: if the majority of people do not save sufficiently for retirement, then what might the recourse options be 20, 30, 40 years from now?

Interesting snippet of wisdom from the article:

> The real comforts of life cost but a small portion of what most of us can earn. Dr. Franklin says “it is the eyes of others and not our own eyes which ruin us. If all the world were blind except myself I should not care for fine clothes or furniture.”

In reading a few of the chapters, it was really interesting to see the dollar amounts written. They seemed rather high for 1880.

> She has a nice one thousand dollar camel's hair shawl, and she will make Smith get her an imitation one, and she will sit in a pew right next to her neighbor in church, in order to prove that she is her equal.

Inflation calculators put that camel shawl at nearly $25,000 (2019 dollars).

Depending on the local laws, the 2x return of your deposit may not have been a mistake. They may have been legally obligated to return 2x of the deposit amount because they failed to return your correct deposit amount within a certain number of days.

Example: 21 days for some areas

I was just wondering if a whistleblower program that rewards credible whisteblowing with a portion of the fine exists and it does!

https://www.whistleblowersinternational.com/what-is-whistleb...

There aren't many famously-rewarded whistleblowers, and of them, banking seems to be a rarity (except for Deutsche Bank), but it's certainly an interesting concept. Effective? Time will tell.

While I agree with your points, wholeheartedly, someone shared this browser add-on/extension with me that has been a lifesaver for overcoming copy/paste blocking. The name is great too.

Firefox: https://addons.mozilla.org/en-US/firefox/addon/don-t-fuck-wi...

Chrome: https://chrome.google.com/webstore/detail/dont-fuck-with-pas...

Financially, insurance is only a smart purchase if you

1. Cannot afford the worst-case-scenario. (Example: replace your car if it were totaled)

2. You expect the return from claims will exceed the cost of premiums/deductibles. This should never happen if insurance companies are savvy and want to be profitable.

Large companies with a vehicle fleet often self-insure those vehicles (AT&T last I heard) because they can afford every vehicle worst-case-scenario (ignoring liability, which is a legal obligation).

Socially/emotionally, insurance is a peace of mind which is important and valuable to some people. Security and all that.

Brown bags are the classic container used to pack a lunch for a child attending school in the US. That practice dates back many generations, although I'm sure it's becoming rare in the last few decades.

Interestingly, there are parts of the world where building height regulations exist for aesthetic reasons. For example, in Madison, WI such a limit exists to preserve the view of the capitol building [1].

[1] https://host.madison.com/ct/news/local/writers/mike_ivey/by-...

I feel the same way. A bandaid for the situation: you can use browser extensions/add-ons to restore paste functionality on these web pages. For example, I use this one:

https://github.com/aaronraimist/DontFuckWithPaste

Not all returns are free with Amazon. Generally speaking, there needs to be a defect or error on the part of the seller (ex: listing has incorrect info) in order for it to be free. If you classify your return as "No longer need this item.", then the shipping amount will be deducted from your return, in my experience.

If you return a lot of items and it's repeatedly defective/incorrect info/<whatever makes return shipping free>, then you'll probably be flagged just like Home Depot is doing.

I'd recommend hiding it. Here's why:

Your future salary expectations likely have a basis in your current salary. Prospective employers know this. Prospective employees know this. If expectations are stated, with that understanding, then your current salary should be irrelevant. If you're having trouble signaling your value to a prospective employer, then your current (good) salary, seems like an easy way to communicate your value, but it's flawed. Salary is far too reductive of a valuation of yourself. If your value is so difficult to communicate, then perhaps a little self-reflection would help you to pinpoint your strengths to better showcase them.

Further, there are few positive reasons for a prospective employer to seek that number. While it offers them market research into salaries to be competitive, it mostly lets them optimize their offer for the bare minimum to bring you on board. It lets them offer in such a way that you'll compromise your expectations for something slightly better salary-wise and different. I liken it to purchasing a vehicle from a dealer and knowing their margins before hand. This is an oversimplification, and they can say 'no' to a low margin, but it's far easier to persuade them to say 'yes' when you still know they're getting something positive out of it.