Wise has been mentioned and I would also recommend. HOWEVER, remember that money held by them isn’t insured the same way as at a bank. For instance, I would put money in for long enough to have an auto transaction when an the interest rate is what I want to then send on to my French bank account but I wouldn’t simply hold cash longer than necessary. Also useful if you get their debit card so you don’t need to take out cash in different currencies on a trip. You can transfer the money within “accounts” on the app and then use debit card to draw from appropriate one. Fees have always looked fair when I did comparisons.

(Also note that US requires foreign bank accounts with holdings greater than $10,000 to be declared yearly around tax time.)

LMAO. Brilliant. Sounds like an easy recipe to repeat 😁

Yep! And every employer that has offered has had some kind of match.

I’ve rolled all my 401ks over with each new job.

I also have an IRA from money I saved towards retirement while working in Canada for 18 months. I took the tax penalty up front since I’ll probably be US based for majority of my life. But I did earn a match while working in Canada.

Current employer gives 4% fully vested.

Contributing 20% of income at the moment (30 to) and hoping to retire before 60.

I think they should be separate. Like if a woman gives birth twice in one year (ow) that would be two visits.

Can width of bars be changed based on number of visits? The pregnancy related ones probably skew the data. I know pie charts are terrible but could they be useful in this case?

Congrats! That is so many tasks and so many times refocusing! I hope you gave yourself permission to celebrate such a huge win!

THANK YOU for making this the first logical comment I’ve seen on Lemmy for a while. THIS IS THE WAY!

I feel like what’s missing is the magnitude of each of these versus the others

I believe there’s studies showing that fewer handoffs lead to better patient outcomes.

I know people who prefer 12 hours shifts. My partner is scheduled for 7-7:30 shifts. Including a half hour lunch break, that means there’s a 30 minute handover window while still working 12 hours… in the end they get paid for when they are clocked in/out and not when they are scheduled.

The never respond makes me think it could be a cover letter/resume problem - check resources for those. And like other people mention, contacts help when your resume isn’t stellar. Consider reaching out to people directly on LinkedIn (I did this for a local engineering company that didn’t have any jobs posted… but they still hired me). Might help if resume or cover letter is getting filtered out by AI during the process.

Anyone know what part of the bill he’s referring to? Were corporate tax rates cut or was it more specific to certain sectors?

I recommend some John Green and Hang Green and vlogbrother videos. Remember the news reports on the catastrophic now… Not the slow incremental progress required to improve the world. But good things are still happening and good people are still working to make those good things happen.

Chances are (forgive me if I’m wrong as this obviously doesn’t apply to every person) you are fed, warm, and sheltered. You can reach out to friends and family across town or across continents and connect in real time. As much as everything FEELS like the world is going to end… ignore what you need to in order to be your best self. Help where you can, give money to the things you care about when you can, and remember that humanity has done some really cool things.

Rock climbing assuming you have a little spare change for a membership & a local gym. Go boulder. Folks are chill.

Local sports leagues. I was chatting with a friend who was talking about how much fun they’re having with softball… Including how they can now hit the ball 50% of the time.

Top of Mount Denali. If I’m ever strong and technically skilled enough to do it which I doubt my life path and associated finances would allow.

I have a hard time being satisfied with what I have - so I will likely move quite a bit in the future although I’ve promised my partner to try my best to set down roots where we are now.

I would argue that someone can’t sacrifice their future ability to buy just to lower the price on a single unit.

They’re stuck by the incentives of the situation just like everyone else.

We can’t expect anyone to act outside their own good when it comes to huge amounts of money. Especially in a capitalist society where the only thing that protects your quality of life is money. No one is going to step in when things go wrong except your decision to protect yourself and your family by making financially beneficial decisions.

And yeah, that sucks when you are the other major portion of our society who isn’t given the resources to grab that protection/money with both hands and not let go.

And on a more solution oriented note:

1. We need increased supply of dense housing appropriate for the average family, for the 20-30 yr olds who simply need a single bedroom, and for the retirees who need a small place to live after their children move out. Dense housing because driving an hour to where your job is makes sense to only a very small fraction of people and cities are continuing to attract people.
2. Increased pay for the average worker - probably requiring a decreased incentive to drive profits above all else for the large corporations that drive the majority of our market. (Thinking of examples like Walmart that pay minimum wage and then require their workers to receive government subsidies… meanwhile Walmart gets a profit. It’s a little circular.)
3. Kindness so we can all share our stories and think of solutions that change the structure and don’t require individuals to act outside their own interest. If we shut down conversation we’re no better than our silly two party system that seems to make enemies out of each other. Listen and sympathise and learn what each person has been able to build. Don’t be each other’s enemies. That’s letting the system we’re in win.

I would love to buy a condo right now, but rent is cheaper than buying looking at a 5 year time frame until mortgage rates drop below at least 6%. It would be years before the interest and taxes portion of the payment dropped below our current rent.

We’ve literally agreed with our landlords who want to sell after we leave that we’re all sitting still until mortgage rates drop. (Or I guess inflation rises high enough to offset the debt versus investment part of the pile.)

And this is all after moving to Utah from the west coast to get cheaper housing in general… Although the lower paychecks basically balance it all out 😂

I’d love to buy your condos - but if we look at renting versus buying… It’s cheaper to rent versus buy until mortgage rates drop below 6%. We’ll just be sitting here adding to the mortgage payment pile until then.

A house is laughably out of reach.

Wyoming

But just perspective

We used these for our wedding thank you cards to friends. Family got sea turtles. But we got some compliments.

Southwest.

Because I’m terrible at being on time and it’s nice to know I can just cancel as long as they haven’t taken off and not lost the money. Also not paying extra for luggage. And their airport is best for my parents place.

My native French speaking mom will occasionally address my non-french speaking husband in French without realizing unless I tell her and even then she only knows because I’ve told her.