I'm gonna have to disagree with the order of your things here. 1 and 2 should be reversed, or perhaps overlap significantly. If you pay off your debt and live check to check, what happens if you lose your job. That financial advice has just landed you in a nasty position.
ALWAYS pay yourself first. The debt collector will get his AFTER you.
If you are in a hole and trying to dig yourself out, it's a lot smarter to hedge your bets against unforseen events like loss of job, medical problems or having to pay insurance deductibles than it is to live check to check to minimize the amount you pay in interest.
So put 100% of your "extra" money into your emergency fund until you have one month of living expenses saved. Then change that to 75% and put the other 25% to debt until you have two months. At three months, 50% and 50%. That's a much smarter move, even if it cost you a few dollars in the short term.
That's not universally true. Are you familiar with the term arbitrage? If you can get enough guaranteed ROI to cover the loan interest as well as inflation (seems most posters forget that), then it can be a good financial decision to keep the loan.
This is the reason why many people are successfully taking out 0% balance transfers from their credit cards and storing the money in high-yield accounts.
No, that just means that the market is changing. That shop owner, much like the RIAA, needs to adapt. The market is moving towards digital downloads and away from CDs for music distribution.
Huh? The code I write at work is the IP of my company. I can't provide it in a job interview. Or are you referring to code your candidates write in their free time?
You may be able to enter the country and look for work, but you still have to leave the country if you don't find it before you reach the 3 month mark. You could stay for up to 6, but it requires a little more legwork up front. The only "qualification" is being an American citizen. Having a degree and such is only useful if you are trying to immigrate under the "skilled worker" category. It has nothing to do with obtaining a work permit.
So I'm not sure how that really differs from a Canadian entering the US looking for work. Either way, you'll have to get a company to sponsor your work permit and work on the requirements for residency/green card.
Although if you have more information supporting your claim, I'd be interested in seeing it. I've read the Canadian immigration website and don't see anything on there that makes me think just moving up there unemployed is somehow "open".
Re:IBM is trying the save a piece of his bizness
on
Keeping the Lights On
·
· Score: 1
That was the point. He was talking about mainframes being able to do something cool.
Great points, and even still, you left off some things. For instance, my employment includes a discounted gym membership, a monthly transit card (about $50), a 4% matching to my 401k and disability insurance. Those are things I would lose (and that I like) if I went out on my own.
Your costs as a consultant should factor in the fringe benefits you might get from a full time position.
"The administrator should not be able to do anything that will CORRUPT the system - other than tell it to shutdown directly, of course - which is NOT corruption."
No, the administrator should be able to do anything, even corrupt the system. Running as administrator is you deciding you know best and want full control. If you aren't sure what you're doing, you should be running as a restricted user.
Radio is still very viable in metropolitan areas with large commute times. Being a resident of such an area with an average commute of 45min to and from work everyday, I want to listen to stations talking about local things.
Granted, there are times when I just wanna hear music, but I also enjoy radio programs that are clearly tailored to people in my area.
Re:A few things I hate about cubicle life.
on
Cubicle Privacy
·
· Score: 1
So did the OP. He shouldn't have to play parent for the inconsiderate guy sitting next to him. At some point in life, generally before one becomes an adult, they should learn to be considerate of their neighbors.
I don't know about you, but I don't think having a file full of "valid" credit card numbers on my machine is such a good idea if the Feds come knocking;)
While I admire the work done on the Zen site that was linked, and the others, I'm still waiting to see a site that does more than show a few images and a blurb.
I'm not that familiar with CSS, but I'd like to see some examples of pages that have actual user interaction widges - buttons, drop down lists, editable datagrids.
The examples I've seen linked in this thread are nothing more than glorified text documents. But the WWW has progressed a little past sites of that simplicity.
Slashdot Mirror
Can we call it Energon? ;)
I'm gonna have to disagree with the order of your things here. 1 and 2 should be reversed, or perhaps overlap significantly. If you pay off your debt and live check to check, what happens if you lose your job. That financial advice has just landed you in a nasty position.
ALWAYS pay yourself first. The debt collector will get his AFTER you.
If you are in a hole and trying to dig yourself out, it's a lot smarter to hedge your bets against unforseen events like loss of job, medical problems or having to pay insurance deductibles than it is to live check to check to minimize the amount you pay in interest.
So put 100% of your "extra" money into your emergency fund until you have one month of living expenses saved. Then change that to 75% and put the other 25% to debt until you have two months. At three months, 50% and 50%. That's a much smarter move, even if it cost you a few dollars in the short term.
That's not universally true. Are you familiar with the term arbitrage? If you can get enough guaranteed ROI to cover the loan interest as well as inflation (seems most posters forget that), then it can be a good financial decision to keep the loan.
This is the reason why many people are successfully taking out 0% balance transfers from their credit cards and storing the money in high-yield accounts.
Okay, my conclusion is you played a female character and he was hoping for some cyber after ;)
No, that just means that the market is changing. That shop owner, much like the RIAA, needs to adapt. The market is moving towards digital downloads and away from CDs for music distribution.
Work samples are required.
Huh? The code I write at work is the IP of my company. I can't provide it in a job interview. Or are you referring to code your candidates write in their free time?
You may be able to enter the country and look for work, but you still have to leave the country if you don't find it before you reach the 3 month mark. You could stay for up to 6, but it requires a little more legwork up front. The only "qualification" is being an American citizen. Having a degree and such is only useful if you are trying to immigrate under the "skilled worker" category. It has nothing to do with obtaining a work permit.
So I'm not sure how that really differs from a Canadian entering the US looking for work. Either way, you'll have to get a company to sponsor your work permit and work on the requirements for residency/green card.
Although if you have more information supporting your claim, I'd be interested in seeing it. I've read the Canadian immigration website and don't see anything on there that makes me think just moving up there unemployed is somehow "open".
That was the point. He was talking about mainframes being able to do something cool.
Great points, and even still, you left off some things. For instance, my employment includes a discounted gym membership, a monthly transit card (about $50), a 4% matching to my 401k and disability insurance. Those are things I would lose (and that I like) if I went out on my own.
Your costs as a consultant should factor in the fringe benefits you might get from a full time position.
"The administrator should not be able to do anything that will CORRUPT the system - other than tell it to shutdown directly, of course - which is NOT corruption."
No, the administrator should be able to do anything, even corrupt the system. Running as administrator is you deciding you know best and want full control. If you aren't sure what you're doing, you should be running as a restricted user.
Radio is still very viable in metropolitan areas with large commute times. Being a resident of such an area with an average commute of 45min to and from work everyday, I want to listen to stations talking about local things.
Granted, there are times when I just wanna hear music, but I also enjoy radio programs that are clearly tailored to people in my area.
So did the OP. He shouldn't have to play parent for the inconsiderate guy sitting next to him. At some point in life, generally before one becomes an adult, they should learn to be considerate of their neighbors.
There is a nice extension for firefox that will give you a right click translation for a selected body of text.
I use it all the time to read russian webpages that get linked to me.
I don't know about you, but I don't think having a file full of "valid" credit card numbers on my machine is such a good idea if the Feds come knocking ;)
That doesn't really work out. The cost to employers != the cost to see the movie. Unless you are only making $7.50 for two hours of work ;)
While I admire the work done on the Zen site that was linked, and the others, I'm still waiting to see a site that does more than show a few images and a blurb.
I'm not that familiar with CSS, but I'd like to see some examples of pages that have actual user interaction widges - buttons, drop down lists, editable datagrids.
The examples I've seen linked in this thread are nothing more than glorified text documents. But the WWW has progressed a little past sites of that simplicity.
How does CSS handle complex sites?