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Setting up a decent résumé for someone at your level (Bachelors, less than five years of experience, I'm assuming a small number of previous employers) is not that hard. I'm sure the BFC resume mega thread is more than willing to help you.
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Jan 26, 2013 23:27
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tuyop posted:I also don't know if it's worth like $150 to compete REALLY WELL with a bunch of dysfunctional adults and high school students for a cashier job somewhere. The resume will continue on, and you can add to it as you go. It's written in a way normal resumes aren't, so I find employers actually read it because its s not a resume template off of Word.
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Jan 27, 2013 14:07
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 January Update Alright, so I did a lot of weird debt juggling in the last ten days, so the graph looks strange.  Net income, ignore February. I'm not sure if it's better to show all time or just the past year or six months or what. The all time looks like a sin wave which might relate to mood.  Here's where it all went, usually the car eats it all, but as you can see, a challenger approaches!  Really though, we spent too much at Ikea and doubled the indoor garden (BASIL is a gateway plant). Our worm bin had spider mites but we got rid of them by just adding some shredded paper towel and leaving the top off for awhile. A couple of things from Ikea don't work in our place or were broken, so we're taking them back. Which makes that category less than totally accurate, but whatever. The weird juggling I did goes like this. So my Visa offered me a 2.9% balance transfer for six months, that card had 12.5k available. My PC line of credit had 7500 at 9.5%. Then Scotiabank called and offered me a ~preapproved~ card with 6k on it and a 0.99% balance transfer for six months, so once that card arrives I'll transfer 6k off the Visa for that purpose. Which is scenario A, B is another option, below. To make this low fee miracle happen, I had to overpay the PC Mastercard that I have by the balance of the PC line of credit, because then they would transfer the money from the CC to the LoC. However, PC doesn't do that so now I have to take out 1000 dollars in cash every few days, from specific ATMs to avoid fees, and then put the 1k in my line of credit account. Once it's all over, I'll have 1.5k at 2.9%, and 6k at 0.99% which will lower my interest paid to about 9.50 per month for the next six months. Now scenario B. These promotional rates make it so that my student line of credit, with 14.6k on it, has a much higher interest rate (4.5%) than either of those balance transfers. So, if I can count on paying it all off before the promotional rates expire, then would it make more sense to put the 6k from the new Visa onto my student loan? This can't be undone and obviously exposes me to a lot of risk for only saving like 20 dollars a month for the next six months...  This is a graph of how our fees and interest paid for the past forever has looked. After this juggling is done, we'll have the lowest fees and interest ever!
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Feb 2, 2013 16:20
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How do student loans work in bankruptcy in the land of glorious socialism?
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Feb 2, 2013 17:37
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Non dischargeable.
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Feb 2, 2013 17:42
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FrozenVent posted:Non dischargeable. For the first 7 (?) years after graduation. Repayment is income tested.
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Feb 2, 2013 21:01
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Persona non grata posted:For the first 7 (?) years after graduation. Repayment is income tested. What does that mean? Also, it's important to note that my "student loans" are on a line of credit because I wasn't eligible for government loans.
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Feb 3, 2013 05:39
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So then they are not, in fact, student loans? They're just unsecured loans you took to pay for school?
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Feb 3, 2013 13:59
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FrozenVent posted:So then they are not, in fact, student loans? They're just unsecured loans you took to pay for school? They're in an account called a "Student Line of Credit Unsecured" so yeah, I think that's right. In order to get them my dad had to cosign. I don't think bankruptcy is really a solution at this point anyway, we're very solvent.
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Feb 3, 2013 14:29
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Whether it's an option now has nothing to do with it; you have to make sure what they are because, as long as you're not committing fraud aka planning to file BK in six months, it always makes sense to pay nondischargeable loans with dischargeable ones, even if they had a slightly higher rate instead of lower. In this case, replace 'dischargeable' with 'how much do you like your dad?'
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Feb 3, 2013 18:39
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Students loans can discharge through bankruptcy if enough time has passed since graduation. I think it's 7 years, but I'm not certain. Sorry, I should have said that government loans were income tested. It means if you have no income, you can apply to have your payment reduced, to nothing if necessary. I don't know of an equivalent program for bank loans.
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Feb 3, 2013 19:09
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Persona non grata posted:Students loans can discharge through bankruptcy if enough time has passed since graduation. I think it's 7 years, but I'm not certain. I'm pretty sure he is in Canada and you are quoting US rules, but I could be wrong. Feel free to ignore me if you were aware of this.
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Feb 3, 2013 23:17
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Jeffrey posted:I'm pretty sure he is in Canada and you are quoting US rules, but I could be wrong. Feel free to ignore me if you were aware of this. He's right, you're wrong. http://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/br02057.html
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Feb 3, 2013 23:48
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Jeffrey posted:I'm pretty sure he is in Canada and you are quoting US rules, but I could be wrong. Feel free to ignore me if you were aware of this.
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Feb 4, 2013 09:26
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Wolfy posted:Let me tell you why you're wrong. In the US, student loans can never be discharged. Ever. Are they foisted upon your children on death or something so that you have a dynasty of poor English majors?
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Feb 4, 2013 11:45
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tuyop posted:Are they foisted upon your children on death or something so that you have a dynasty of poor English majors? 
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Feb 4, 2013 12:23
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That gives me an idea, how hard is it to fake your death in Ontario?
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Feb 4, 2013 13:29
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tuyop posted:Are they foisted upon your children on death or something so that you have a dynasty of poor English majors? I got an email about a petition from a woman whose son died before completing his degree and is now stuck paying tens of thousands of dollars of student loans she cosigned for a degree he will never used, so sometimes yes! 
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Feb 4, 2013 15:14
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Haifisch posted:I'm pretty sure that death is the only thing that can get rid of them if you don't pay up. Other than that? You can't get rid of them with bankruptcy, being too poor to pay(they'll offer lovely income-based repayment that you'll only be stuck with for a mere 25 years, don't worry), or pretty much any other mechanism you can think of. I guess you could flee the US to a country that won't cooperate with making you pay, but that assumes you have the money to flee in the first place. Disability can also get US student loans discharged, if you're so badly messed up physically that you are incapable of earning any income at all ever again in your entire life. Also, I'm pretty sure you can only get them discharged after 25 years if you work a teaching or government job and never miss any payments, and even then, that (and the income-based repayment) only apply to federal loans - if you take a private student loan from a bank, the bank calls all the shots and that debt is yours till death or disability do you part. tuyop posted:Are they foisted upon your children on death or something so that you have a dynasty of poor English majors? Not necessarily, but many US student loans require the parent to co-sign on the loan; once that happens, the debt is as much the parent's as the child's.
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Feb 4, 2013 16:30
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Trilineatus posted:I got an email about a petition from a woman whose son died before completing his degree and is now stuck paying tens of thousands of dollars of student loans she cosigned for a degree he will never used, so sometimes yes! If the loans were in the student’s name, they will be discharged upon the student’s death. However if the loans are in the parents name, which a lot of them are, they are not. The borrowing limits on Parent Plus loans are much higher than the Stafford Loans that can go directly to the student, so it’s possible and perhaps likely that a parent will wind up with more debt than the student does. Same with private student loans. Anyone taking out loans for their college student kids should probably take out life insurance on them too. It’s sad to think like that.
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Feb 4, 2013 18:02
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Edit: Oh yeah and I have something of substance to report: Since the carrot of the medical release seems to be at the end of an ever longer stick that is made of the months and years of my life, I've decided that I'm loving done. Whether I get a medical release or not, I'm going to school in September. U of Alberta's deadline for BEd admissions is May 1st for September 2013. I called the Ombudsman because I feel like I've been jerked around a bit here, and he told me that I can also get the medical release benefits even if I end up voluntarily releasing. It's just a slightly longer process of review and stuff and then you get the same benefits down the road. In the meantime, I had a meeting with the base surgeon here who told me that they would expedite my processing for a medical release, so there's some hope that I've been a squeaky enough wheel to get what I want, after 32 months of being dicked around by the medical system. Financially, this means that I may go into further debt over the next two years, but it's for a skill that can easily take me up north to a 90k+ salary. Or we might just hunker down and live on toeshoes' income while I do the school. Zeta Taskforce posted:If the loans were in the student’s name, they will be discharged upon the student’s death. However if the loans are in the parents name, which a lot of them are, they are not. The borrowing limits on Parent Plus loans are much higher than the Stafford Loans that can go directly to the student, so it’s possible and perhaps likely that a parent will wind up with more debt than the student does. Same with private student loans. Anyone taking out loans for their college student kids should probably take out life insurance on them too. It’s sad to think like that. I just finished A People's History of the United States so this is very much in line with my  feelings.tuyop fucked around with this message at 01:02 on Feb 5, 2013 |
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Feb 5, 2013 00:38
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tuyop posted:Financially, this means that I may go into further debt over the next two years, but it's for a skill that can easily take me up north to a 90k+ salary. Or we might just hunker down and live on toeshoes' income while I do the school. I can't comment on the wisdom of the rest of these things, but you do realize those maximum salaries are for people with phDs and over 15 years experience, right? With a BEd you're probably not ever going to see more than 70k, after you've got those 15 years.
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Feb 5, 2013 01:45
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tuyop posted:it's for a skill that can easily take me up north to a 90k+ salary. So you no longer want to be a teacher?
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Feb 5, 2013 02:07
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On one hand it was a bit sad to come back to this thread and get caught up after a few months of not reading and find that nothing has changed. On the other hand, you are slowly climbing out. It's encouraging to see the newest graphs. As far as going carless, I think it's great if your location/lifestyle/commute can support it but otherwise it is a recipe for a terrible time. I've tried it in a few places and Seattle is the first one where it's remotely worked. Everywhere else has been too car dependent and it means you are either missing out on stuff or imposing on other people all the time  HookShot posted:I can't comment on the wisdom of the rest of these things, but you do realize those maximum salaries are for people with phDs and over 15 years experience, right? With a BEd you're probably not ever going to see more than 70k, after you've got those 15 years. "Up North", not "north of". I assume he's talking about bush teaching which will have a pay advantage to put up with the godawful lovely conditions (I'm not sure if it is as much as he's claiming, but it will be more than a standard teaching job). tuyop, take this from someone who has been in similar situations, if you have trouble staying level as it is, moving up to the artic circle is not going to help things.
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Feb 5, 2013 02:07
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Yes I still want to be a teacher. I've started slowly doing work with training modernization and theory here, because their cubicles are right next to mine, and it's great.HookShot posted:I can't comment on the wisdom of the rest of these things, but you do realize those maximum salaries are for people with phDs and over 15 years experience, right? With a BEd you're probably not ever going to see more than 70k, after you've got those 15 years. I should clarify, I'm looking up North. Jobs like this are regularly just short of 100k plus Northern allowances. I understand that cost of living goes up, but I'm not too worried about making ends meet with a possible extra 5k in debt at that kind of salary. Edit: Also, apparently it's not that bad. Maybe you guys can help me with another thing. Since we started using YNAB, I've felt a little bit anxious about our money. We have like 4k in the bank, but it's all categorized in things like upcoming car insurance and wedding savings and stuff like that. That money was always there and categorized, but since I was looking at the bank balance and not the categories, it seemed like a comfortable sort of cushion to me. Does this mean that I should work towards actually having a cushion (read: buffer or efund) or should I just not worry about it? It seems strangely precarious to me now that everything is categorized. tuyop fucked around with this message at 02:17 on Feb 5, 2013 |
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Feb 5, 2013 02:10
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tuyop posted:
Working in Nunavut would be an amazing adventure. I've always been fascinated by the north, so I'm probably the outlier. But I'm assuming that you don't have special knowledge of their culture, land, communities, or language. Would this be a barrier to those jobs, or are those language skills so rare that they take what they can get?
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Feb 5, 2013 02:22
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Zeta Taskforce posted:Working in Nunavut would be an amazing adventure. I've always been fascinated by the north, so I'm probably the outlier. But I'm assuming that you don't have special knowledge of their culture, land, communities, or language. Would this be a barrier to those jobs, or are those language skills so rare that they take what they can get? I actually have a few natives studies/anthropology credits which seem to matter up there. When I called a few schools last May to see if I could somehow work for them with just a BA, it seemed like being native or having native language and culture experience was an asset but not a necessity. The problem with a lot of those jobs is the same as any other government job. They post them on the HR website for "competition" but they already have an in-house candidate selected. All I can do is hope, really. But it's a growing economy and I'm willing to go literally anywhere so I'm optimistic.
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Feb 5, 2013 02:48
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tuyop posted:I actually have a few natives studies/anthropology credits which seem to matter up there. When I called a few schools last May to see if I could somehow work for them with just a BA, it seemed like being native or having native language and culture experience was an asset but not a necessity. Just so you go in with open eyes: it's an asset that many people have. That job posting that mentions knowledge of Inuit languages and a Master's degree as assets? All it takes is one person in the competition with one or the other and they will get the job ahead of you. I'm not saying it's impossible, but I really wouldn't go into this new pursuit with the assumption that you can get a position like this rather than end up subbing for a couple of years. Also, that salary and northern living allowance aren't as high as they are because the Territories are desperate to lure educated southerners up (for medicine, maybe, but not for education). They're to offset the ridiculously high cost of living. It might help to do some critical-eyed research of what it would cost you to live, eat, and get around in Nunavut—and even more importantly, how much it will cost you to leave if you want to continue to travel and see your family (just flying from Iqaluit to Ottawa is in the $2000 range). https://www.youtube.com/watch?v=Hz0YYkvG_Lg Maybe try putting together a sample budget based on realistic rental prices, utility prices, and food prices in the areas you're looking at and consider whether it's really a better option than working in Ontario.
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Feb 5, 2013 03:10
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tuyop posted:Yes I still want to be a teacher. I've started slowly doing work with training modernization and theory here, because their cubicles are right next to mine, and it's great.
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Feb 5, 2013 03:14
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Wolfy posted:The hilarity of you posting that link of people describing the biggest northern cities paired with a job posting in a 1,500 person hamlet is just too much for me. Iqaluit is 8000 persons or so. Just to put things in perspective - that's the metropolis of the North. Still worlds better than Grise Fjord or wherever. And really, I've never had a chance to visit those places (Never had a chance to get off the boat) but I've heard plenty of stories of $8 slices of pizzas and $25 packs of cigarettes. If you want to go up there for the experience, sure. I'm told it's a pretty tough teaching environment, btw. As a way to straighten up your finances... I'd be surprised.
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Feb 5, 2013 03:28
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Two things. First: tuyop posted:I called the Ombudsman because I feel like I've been jerked around a bit here, and he told me that... Critically important information that can have lots of fine details and caveats and contingencies, and which is also super important to your financial future, is not something you rely on some guy on the phone giving to you. I mean it's good for preliminary fact-finding, but for gently caress's sake get this in writing. Think about how many times it's already happened, where some army pencil pusher told you x, and then it turned out that either that wasn't the whole story, or they were wrong, or you misunderstood, or they misunderstood what you were asking, and a year later oh wow hey guess what, everything's hosed up or you missed out on a bunch of money or your thing sat in the wrong pile of paperwork forever or etc. etc. Second: Even if you get that awesome job teaching impoverished Inuit inside the arctic circle, what the hell is your wife gonna do? You're getting married, you'd better include Twoshoes in your plans for your career.
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Feb 5, 2013 05:10
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Leperflesh posted:
Yeah wouldn't this interfere with her plans of continuing to be a racist?
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Feb 5, 2013 08:15
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Wouldn't this interfere with her plans of doing anything other than being a housewife in the frozen north?
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Feb 5, 2013 08:58
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rockin peanut posted:Yeah wouldn't this interfere with her plans of continuing to be a racist? Not following. But she's got a carpentry certificate and by the time she leaves the forces will have completed an apprenticeship as a mechanic. I'm sure somewhere in the north they need mechanics, carpenters, and teachers in the same area.
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Feb 5, 2013 11:50
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If you're serious about wanting to work in the North, my suggestion is to start studying the Inuit language now. Could be fun even if you don't end up heading up there! This assumes you can find enough resources at the library and online to do it at no cost, of course, but I am naively willing to assume that won't be a problem.
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Feb 5, 2013 13:10
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tuyop posted:But she's got a carpentry certificate and by the time she leaves the forces will have completed an apprenticeship as a mechanic. I'm sure somewhere in the north they need mechanics, carpenters, and teachers in the same area. Not a whole lot of carpentry going on up north (it's mostly prefab houses) and I don't know about mechanics but I wouldn't be too hopeful. They'll hire innus long before they hire toe shoes anyway. If you're thinking "there's a lots of mine opening up there, she can work for a mine!", you need to be aware that mines don't hire teachers, and all the new mines up north are fly-in / fly-out. Great jobs if you can get them, mind you. What's your plan B, in case Nunavut doesn't work out?
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Feb 5, 2013 13:23
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Third Murderer posted:If you're serious about wanting to work in the North, my suggestion is to start studying the Inuit language now. Could be fun even if you don't end up heading up there! This assumes you can find enough resources at the library and online to do it at no cost, of course, but I am naively willing to assume that won't be a problem. It’s hard to ever justify learning a new language for economic reasons only. And I say this as someone who has been plugging away at one nearly every day for close to 2 years. There are tons of valid reasons to embark on a journey through a language, but the best reasons are personal, either for cultural enrichment, personal growth, and especially if you have a desire to connect with the people who already speak it. For whatever economic benefit there is, practically anything would pay more, from studying for an advanced degree or getting a second job. Heck, probably even walking around picking up cans would pay more. If he wants to pick up some Inuit, that would be really cool. But if he picks it up for economic reasons so he can be a little more qualified for a job that he is unlikely to get which will allow him to earn somewhat more once cost of living is factored in, I say with all seriousness that he is better off growing BASIL
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Feb 5, 2013 17:33
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Zeta Taskforce posted:I say with all seriousness that he is better off growing BASIL Ah, but if he moves to Nunavut and then grows fresh BASIL he can sell it for 5x the price!
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Feb 5, 2013 17:41
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gently caress. Edit that out quick before he sees it.  What can go wrong?!
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Feb 5, 2013 17:44
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rockin peanut posted:Yeah wouldn't this interfere with her plans of continuing to be a racist? Yeah they're racists because they referred to piece of poo poo cars as rez cars.  Living up north in those areas would be a nice change but be realistic. The high salary will be offset by the cost of living up there so you will just be coming out with as much as down here. Look at it as a great way to build a resume. People love that poo poo where you will actually go to those areas. You will end up with more responsibilities than Joe Schmo in the urban areas. Toeshoe might have trouble finding work though. She might need to consider getting posted up there for the military unless you guys are planning on staying there forever. quaint bucket fucked around with this message at 18:35 on Feb 5, 2013 |
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Feb 5, 2013 18:21
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