Mike Dang, you are a lucky man indeed if you're only paying interest rates between 2.25 and 5 percent. I'm between 6.8% and 8%, and I count myself lucky as compared to people with private loans.
How hard up do you have to be to wind up calculating your tips out to the penny?
@iffie That was meant to read as HEAVILY sarcastic. I thought the cost benefit analysis of hundreds of years of oppression v. decent bread was obvious enough to make that clear.
@stuffisthings Seriously. I work in DC, so it becomes even more extreme, to the point where employers are arguing that really, these obscenely overqualified and self-motivated people ought to be paying THEM for the privilege of an unpaid internship. The number of jobs that get downgraded to marginally-legal "internships" around here makes me see red. Your nonprofit status does not actually mean that you never need to spend money on your workforce. A former colleague's favorite mantra was "you gotta spend money to make money!" I think she was onto something.
It's completely true. Personal example: my husband is a software engineer with a social media emphasis. So, his skills should be really in demand, right? And when job-hunting,recruiters called him daily with urgent job openings. However, once he agreed to an interview, the madness began. Every single company required an initial phone interview, then an in-person interview, then a code test (often long, complex, and time-consuming), then an in-person code test where he'd be dinged for things like not using the same jargon that the interviewer used (but described the same concepts), and then, often, two or three more in-person interviews. And after all of that, he had at least 6 or 7 companies pass. It honestly seemed like they were trying to talk themselves out of hiring, or were holding out for some sort of unicorn candidate - after all, my husband met all the job requirements and got along with the company culture, so what was the problem? My favorite example was my conservative uncle, who works for a tech company, bitching over Xmas how American employees are "lazy" and refuse to learn technical skills. He claimed his company NEEDED to hire H-1B workers, because they'd been trying to hire for several positions and found zero hire-able candidates in the US. So, my husband applied for one of his jobs, for which he was totally qualified, and even received a personal recommendation from my uncle. The HR department just plain never called him! We couldn't believe it - a qualified applicant approached the company himself, offering to work there, and the company couldn't even get it together to contact him for an interview. Now, every time I hear phrases like "skills mismatch", I roll my eyes - I think a MUCH bigger problem is timid, incompetent hiring managers.
@Kate I think it's kind of interesting. I never thought to add up the costs of all my flights over the years. It's a lot!
@Saaoirse But this isn't the difference between buying a shirt at forever 21 and buying it someplace american-made, it's the difference between buying a shirt and stealing a shirt. I think that is an important distinction.
@MuffyStJohn At what income level can you afford to behave ethically? Surely there will always be non-downloadable pot pies to buy with money otherwise spent on music. Ethics are not a product with an identifiable cost, they are the standards that govern our interaction with other people.