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On Thing I Do Right: Have Health Insurance
@Brenna Foster@facebook Depending on where you live and what type of job you do, the Freelancers Union is cheaper than others and they've always done well by me. I think I pay around $380/month in New York State. That sounds so sad thinking about it now, though.
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On Thing I Do Right: Have Health Insurance
@Pete Quinn@twitter A deductible is basically the minimum amount that you're responsible for paying for before your insurance kicks in. So, for example, Logan has a $5,000 deductible, so if she has a hospital visit that costs $7,000, she pays for the first 5K and then insurance pays for the balance. Higher deductibles = cheaper insurance, because they pay for less. My impression is that most work-sponsored health insurance plans have a much lower deductible, but I would not know about that. Okay so someone fill me in on the Out of Pocket Limit now..
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On The Small Joys of Renting
Recently my landlord sent out a mass text to my whole building that there would be exterminators coming. There have been a few mice lately, so, yay. That afternoon she sent out another text with an update about the handydude fixing up some holes through which the mice were getting in. I responded to see if they could fix one of mine, and the landlord was like, "you have a hole? and a mouse? you never even complained, I had no idea! We didn't even exterminate your apartment because we never hear from you!" The moral being, I had literally no idea that if you had anything wrong with your apartment, or mice, or holes, or leaks, that the landlord was someone that you should tell because they might have an interest in fixing it or helping you. I'm on my 4th Brooklyn apartment and I have never had a landlord like this before.
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On Keep a Cool Attitude When Applying for Jobs
@Nick Chiming in late...I work in documentary film. I always always always read the cover letter first and then, if that passes, read the resume. But it really depends on the industry, the company, and what position you're applying for. My reasoning is that a personality match is usually really important to me and, being in film, 99% of people have such bullshit resumes anyway that I don't really learn very much from most of them. That said...don't overthink this. It's generally okay if 1 or 2 out of 3 paragraphs seems copy-pasted as long as you bothered to write a tailored intro and to reference the key points of my ad. More than 3 typos and you're out.