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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-10 08:54 am

To The Warm Horizon by Choi Jin-Young (Translated by Soje)



Could safety from the global pandemic be found in desperate flight towards a land of banditry and violence?

To The Warm Horizon by Choi Jin-Young (Translated by Soje)
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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-09 06:35 am
Entry tags:

A Witch's Guide to Magical Innkeeping by Sangu Mandanna



A depowered witch discovers she is just one zany scheme away from regaining her power... provided her estranged mentor does not intervene. Which of course he will.

A Witch's Guide to Magical Innkeeping by Sangu Mandanna
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andrewducker ([personal profile] andrewducker) wrote2025-12-09 04:56 am
Entry tags:
the cosmolinguist ([personal profile] cosmolinguist) wrote2025-12-08 09:13 pm

Good things about my train journey

I had a lot of them today and they were mostly exhausting, but

  1. The train manager on the train to Euston told us what platform we'd come in to (making it clear that there might be a last-minute change!), what side the doors would open on, how to get to the Underground and even buses and taxis. Since it's a station I know well, I could verify that everything he was saying was the right amount and kind of information that would've helped me if I hadn't known that and needed to.

  2. I'm not sure this is what was going on because it might not have been working that way but... I think that there was a new feature over the two accessible toilet doors in Euston: there were big lights over the doors, one was red and one was green, so I assumed this meant one was locked and one is open. Like I said my experience made this kinda confusing but it at least made me think it'd be a really good idea! At the moment I have to look for a teeny circle near the lock/handle of the door and determine whether it's white or red. Which, in dim locations like you get at Euston, can be surprisingly difficult! And I feel like an idiot trying my key in a locked door and I don't like to stress out the occupant -- I at least find it stressful when I'm in there and hear someone trying the door, suddenly unsure that I locked it or that it has stayed locked. If a big red or green light over the door could be relied on and rolled out, that'd be great.

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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-08 02:53 pm
Entry tags:

Bundle of Holding: Forged 3



The third array of recent standalone tabletop roleplaying games using the Forged in the Dark rules system based on John Harper's Blades in the Dark from One Seven Design Studio.

Bundle of Holding: Forged 3
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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-08 02:08 pm
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Five Freshly Reprinted SFF Books and Series



Did you miss these books the first time around? Good news!

Five Freshly Reprinted SFF Books and Series
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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-08 10:20 am

Books Received, November 29 — December 5



Six works new to me: four fantasy, one horror, and one SF (also ttrpg). Four are arguably series.

Books Received, November 29 — December 5



Poll #33929 Books Received, November 29 — December 5
Open to: Registered Users, detailed results viewable to: All, participants: 26


Which of these look interesting?

View Answers

New Edge Sword & Sorcery Magazine: Volume I, Number 5 edited by Oliver Brackenbury (December 2025)
3 (11.5%)

New Edge Sword & Sorcery Magazine: Volume I, Number 6 edited by Oliver Brackenbury (December 2025)
3 (11.5%)

New Edge Sword & Sorcery Magazine: Volume I, Number 7 edited by Oliver Brackenbury (December 2025)
2 (7.7%)

Black River Ruby by Jean Cottle (January 2026)
7 (26.9%)

The Flowers of Algorab by Nils Karlén, Kosta Kostulas, and Martin Grip (January 2026)
8 (30.8%)

Headlights by C J Leede (June 2026)
4 (15.4%)

Some other option (see comments)
0 (0.0%)

Cats!
21 (80.8%)

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Siderea ([personal profile] siderea) wrote2025-12-08 07:42 am
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Understanding Health Insurance: A Health Plan is a Contract [US, healthcare, Patreon]

Canonical link: https://siderea.dreamwidth.org/1890011.html

This is part of Understanding Health Insurance





Health Insurance is a Contract



What we call health insurance is a contract. When you get health insurance, you (or somebody on your behalf) are agreeing to a contract with a health insurance company – a contract where they agree to do certain things for you in exchange for money. So a health insurance plan is a contract between the insurance company and the customer (you).

For simplicity, I will use the term health plan to mean the actual contract – the specific health insurance product – you get from a health insurance company. (It sounds less weird than saying "an insurance" and is shorter to type than "a health insurance plan".)

One of the things this clarifies is that one health insurance company can have a bunch of different contracts (health plans) to sell. This is the same as how you may have more than one internet company that could sell you an internet connection to your home, and each of those internet companies might have several different package deals they offer with different prices and terms. In exactly that way, there are multiple different health insurance companies, and they each can sell multiple different health plans with different prices and terms.

Read more... [7,130 words] )

This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
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Siderea ([personal profile] siderea) wrote2025-12-08 07:41 am
Entry tags:

Understanding Health Insurance: Introduction [healthcare, US, Patreon]

Canonical link: https://siderea.dreamwidth.org/1889543.html


Preface: I had hoped to get this out in a more timely manner, but was hindered by technical difficulties with my arms, which have now been resolved. This is a serial about health insurance in the US from the consumer's point of view, of potential use for people still dealing with open enrollment, which we are coming up on the end of imminently. For everyone else dealing with the US health insurance system, such as it is, perhaps it will be useful to you in the future.





Understanding Health Insurance:
Introduction



Health insurance in the US is hard to understand. It just is. If you find it confusing and bewildering, as well as infuriating, it's not just you.

I think that one of the reasons it's hard to understand has to do with how definitions work.

Part of the reason why health insurance is so confusing is all the insurance industry jargon that is used. Unfortunately, there's no way around that jargon. We all are stuck having to learn what all these strange terms mean. So helpful people try to explain that jargon. They try to help by giving definitions.

But definitions are like leaves: you need a trunk and some branches to hang them on, or they just swirl around in bewildering clouds and eventually settle in indecipherable piles.

There are several big ideas that provide the trunk and branches of understanding health insurance. If you have those ideas, the jargon becomes a lot easier to understand, and then insurance itself becomes a lot easier to understand.

So in this series, I am going to explain some of those big ideas, and then use them to explain how health insurance is organized.

This unorthodox introduction to health insurance is for beginners to health insurance in the US, and anyone who still feels like a beginner after bouncing off the bureaucratic nightmare that is our so-called health care system in the US. It's for anyone who is new to being an health insurance shopper in the US, or feels their understanding is uncertain. Maybe you just got your first job and are being asked to pick a health plan from several offered. Maybe you have always had insurance from an employer and are shopping on your state marketplace for the first time. Maybe you have always gotten insurance through your parents and spouse, and had no say in it, but do now. This introduction assumes you are coming in cold, a complete beginner knowing nothing about health insurance or what any of the health insurance industry jargon even is.

Please note! This series is mostly about commercial insurance products: the kinds that you buy with money. Included in that are the kind of health insurance people buy for themselves on the state ACA marketplaces and also the kind of health insurance people get from their employers as a "bene". It may (I am honestly not sure) also include Medicare Advantage plans.

The things this series explains do not necessarily also describe Medicaid or bare Medicare, or Tricare or any other government run insurance program, though if you are on such an insurance plan this may still be helpful to you. Typically government-run plans have fewer moving parts with fewer choices, so fewer jargon terms even matter to them. Similarly, this may be less useful for subsidized plans on the state ACA marketplaces. It depends on the state. Some states do things differently for differently subsidized plans.

But all these different kinds of government-provided health insurance still use some insurance industry jargon for commercial insurance, if only to tell you what they don't have or do. So this post may be useful to you because understanding how insurance typically works may still prove helpful in understanding what the government is up to. Understanding what the assumptions are of regular commercial insurance will hopefully clarify the terms even government plans use to describe themselves. Just realize that if you have a plan the government in some sense is running, things may be different – including maybe very different – for you.



On to the first important idea: Health Insurance is a Contract.



Understanding Health Insurance
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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-07 10:18 pm

Well, this was weird

Another unconscious person on public transit. This guy just seemed to be terribly tired, but when he slumped over, he knocked his stuff on the floor. Several times. I kept putting his stuff back, and mentioned him to the drive on my way out.
the cosmolinguist ([personal profile] cosmolinguist) wrote2025-12-07 10:53 pm

"mom's friend a long time ago."

Mom and Dad told me tonight about two friends of my brother's, and one of them's mom who was the school nurse at the time so knows all of us as well as being the mom of his friend, who she's run into lately who told her they always remember Chris at this time of year.

Two of the three apparently said especially that it was twenty years this year, and my mom was surprised that they remembered that specifically. But I have a couple friends about my age who had schoolfriends die when they were in school or soon after, and they certainly remember the person and how long it's been. We are lucky enough to live in an age when child/young person death is rare enough to stand out.

The school nurse mom even told my mom about how her daughter's kids know about him because the daughter has a Christmas ornament with a photo of my brother on it which my parents had made and handed out to people the Christmas after (I got one too, in my terrible flat in West Didsbury, but I never really wanted it and lost it along the way). The kids know about all the ornaments on their tree so they know this one is for "Mom's friend who died a long time ago." I love that.

On a kinda rough day, before two days in London for work that I'm dreading, this was a nice moment.

Their mom and my brother had been friends since kindergarten, when she was one of the girls who called him Kissyfur after a cartoon of that time, and who he used to entertain by doing stuff like pretending not to notice when the girls put snow in his hat and he put it on anyway so they could all laugh.

She sang at his funeral, which is such a gift to be able to offer a peer, when you're only twenty-one.

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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-07 08:51 am

Space Skimmer by David Gerrold



Who killed the empire? More importantly, what does it take to get men to process their emotions?

Space Skimmer by David Gerrold
the cosmolinguist ([personal profile] cosmolinguist) wrote2025-12-06 08:05 pm

(observed)

[personal profile] angelofthenorth gave me my birthday presents today! I thanked her and said I was surprised because it's not my birthday yet. But V and I always have a joint party - after their birthday and before mine - and that's today.

She sensibly pointed out that they won't see me for my birthday, as I'll be off doing family xmas things by then.

So, yeah, why not, today's my birthday.

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james_davis_nicoll ([personal profile] james_davis_nicoll) wrote2025-12-06 09:18 am

(no subject)



Geneviève Bergeron (born 1968; aged 21), civil engineering student
Hélène Colgan (born 1966; aged 23), mechanical engineering student
Nathalie Croteau (born 1966; aged 23), mechanical engineering student
Barbara Daigneault (born 1967; aged 22), mechanical engineering student
Anne-Marie Edward (born 1968; aged 21), chemical engineering student
Maud Haviernick (born 1960; aged 29), materials engineering student
Maryse Laganière (born 1964; aged 25), budget clerk in the École Polytechnique's finance department
Maryse Leclair (born 1966; aged 23), materials engineering student
Anne-Marie Lemay (born 1967; aged 22), mechanical engineering student
Sonia Pelletier (born 1961; aged 28), mechanical engineering student
Michèle Richard (born 1968; aged 21), materials engineering student
Annie St-Arneault (born 1966; aged 23), mechanical engineering student
Annie Turcotte (born 1969; aged 20), materials engineering student
Barbara Klucznik-Widajewicz (born 1958; aged 31), nursing student
the cosmolinguist ([personal profile] cosmolinguist) wrote2025-12-05 07:13 pm

What's my age again

I ended up stepping in to read out the questions and answers for a Christmas quiz at work today, a colleague made it but then lost her voice so needed someone else to do the talking. She got two someone elses, R and me. We traded off asking the questions, and one of R's was the name of the Wallace & Gromit movie that came out on Christmas Day in 2024.

At which point I quietly muttered "two years ago already, gosh" and R said "Erik, that was last year."

Oh! Yeah! It was! It's only 2025 now!

"It has been a long year," he said kindly, and as he's basically acted as project manager for the reports I've written he knows as well as anyone how long my year has been at work!