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2023.03.29 06:18 ConsumeLessLife AI systems like ChatGPT could impact 300 million full-time jobs worldwide, with administrative and legal roles some of the most at risk, Goldman Sachs report says
 | submitted by ConsumeLessLife to consumelesslife [link] [comments] |
2023.03.29 06:07 Cautious_One_2003 He’s (31M) choosing to “chase money” rather than close the gap, I (30F) feel hopeless
My boyfriend that’s over 2000 miles and I have been arguing a lot lately about his finances. We’ve only been dating about 4.5 months. I cannot move because I own and operate a small business that I cannot relocate and my parents are here and they’re getting into an elderly age (my dad will be 70 next year). I’m also their only child so if something happened to them they have no one else. My boyfriend was born and raised in my state, he has some family in a city a couple hours from me where the main airport is. But his parents died when he was in high school. He grew up poor, in the “hood”. He moved to his new state almost a year ago with his ex, they broke up a little over a month before him and I met. The only person he has there is a good buddy he sees almost every weekend.
He is going back and forth and sometimes refusing to be open to moving here. 2 weeks ago he was very open to moving here until he looked at the job marker and said there’s nothing for him. I’m confused why he’s looking as he said he wouldn’t move for over a year until he pays off his debts, maybe 2 years… He keeps looking for jobs in other cities to make more money but not where I live. It’s a small city here I get it, there’s lack of jobs. But with us both making a duel income and my parents have offered to help we would be fine. I found a job he would like here for $60-70K but he refused. He hasn’t even been at his job for one year and currently makes $73K gross income (he started there in July). He keeps talking about the potential of the job opportunities making more than double that in years but he doesn’t seem to enjoy it all that much and it’s pretty boring day to day. He claims staying will open up new opportunities to make up to $150K but that would take many many years, maybe decades. He’s holding onto a potential and who knows if he will want to stay in this job field. Where as I made $82K last year (gross income) all on my own. He says to pay off his debts before moving to me first which take at least take 1.5-2 years. What if I wait all that time and then he backs out on me?? I cannot be waiting that long without confirmation.
He keeps saying he doesn’t want to “give up his career” and is making me feel bad for not moving because we talked about me moving a bit in the beginning (which I wish we hadn’t so early on). But I finally got to visit his state twice and had some realizations. All of my friends and family say it’s a bad idea for me to move across the country so I’ve chosen and confirmed that I will not abandon my parents and my business. Today, he told me he is going to focus on “chasing the money” and possibly move to a random state to make more money. He says he might never mov to my state. He grew up poor and is fixated now on making money now that he has a high paying job but seems bad with finances. Now I feel very confused about what the future holds for us and although I understand money pays off his debts and needs it for his life it makes me feel like I’m not a priority. Although he says he wants a relationship with me he doesn’t seem to want to close the gap. We’re in our 30s, we aren’t spring chickens and I don’t want to sit around for years waiting for him to pay off his debts and to make up his mind, possibly change on me.
I really feel depressed and anxious over this cause I’ve never had a boyfriend go out of their way for me ever. They all just give up on me or get cold feet with commitment and I’m exhausted. I’m never a priority and I’m very (overly) caring and supportive. When we met I thought he was the one and he said that too. We have a special connection. But money is more important to him at this point… it’s crushing me. Help?
TL;DR: My boyfriend (who’s 2000 miles away) and I have been arguing about his finances and he is telling me he can’t/doesn’t want to move here. Some days he’s more open about it but then overthinks and says money is his priority. I operate and own a small business I can’t give up and don’t want to abandon my elderly parents as I’m their only child. He grew up poor and now that he is making more money than he ever has he is fixated on making more and more, rather than close the gap. He told me he’s going to “chase the money” which means he’s open to move to another state, anywhere except my state or city right now. This really depresses me as I don’t know what the future holds. He says he needs to pay off his debts and that could take 2 years. I’m supposed to wait around? What if he backs out on me? I feel depressed and anxious over this. He says he wants a relationship with me but he’s hyper focused on making money right now. It’s very upsetting…
submitted by Cautious_One_2003 to LongDistance [link] [comments]
He is going back and forth and sometimes refusing to be open to moving here. 2 weeks ago he was very open to moving here until he looked at the job marker and said there’s nothing for him. I’m confused why he’s looking as he said he wouldn’t move for over a year until he pays off his debts, maybe 2 years… He keeps looking for jobs in other cities to make more money but not where I live. It’s a small city here I get it, there’s lack of jobs. But with us both making a duel income and my parents have offered to help we would be fine. I found a job he would like here for $60-70K but he refused. He hasn’t even been at his job for one year and currently makes $73K gross income (he started there in July). He keeps talking about the potential of the job opportunities making more than double that in years but he doesn’t seem to enjoy it all that much and it’s pretty boring day to day. He claims staying will open up new opportunities to make up to $150K but that would take many many years, maybe decades. He’s holding onto a potential and who knows if he will want to stay in this job field. Where as I made $82K last year (gross income) all on my own. He says to pay off his debts before moving to me first which take at least take 1.5-2 years. What if I wait all that time and then he backs out on me?? I cannot be waiting that long without confirmation.
He keeps saying he doesn’t want to “give up his career” and is making me feel bad for not moving because we talked about me moving a bit in the beginning (which I wish we hadn’t so early on). But I finally got to visit his state twice and had some realizations. All of my friends and family say it’s a bad idea for me to move across the country so I’ve chosen and confirmed that I will not abandon my parents and my business. Today, he told me he is going to focus on “chasing the money” and possibly move to a random state to make more money. He says he might never mov to my state. He grew up poor and is fixated now on making money now that he has a high paying job but seems bad with finances. Now I feel very confused about what the future holds for us and although I understand money pays off his debts and needs it for his life it makes me feel like I’m not a priority. Although he says he wants a relationship with me he doesn’t seem to want to close the gap. We’re in our 30s, we aren’t spring chickens and I don’t want to sit around for years waiting for him to pay off his debts and to make up his mind, possibly change on me.
I really feel depressed and anxious over this cause I’ve never had a boyfriend go out of their way for me ever. They all just give up on me or get cold feet with commitment and I’m exhausted. I’m never a priority and I’m very (overly) caring and supportive. When we met I thought he was the one and he said that too. We have a special connection. But money is more important to him at this point… it’s crushing me. Help?
TL;DR: My boyfriend (who’s 2000 miles away) and I have been arguing about his finances and he is telling me he can’t/doesn’t want to move here. Some days he’s more open about it but then overthinks and says money is his priority. I operate and own a small business I can’t give up and don’t want to abandon my elderly parents as I’m their only child. He grew up poor and now that he is making more money than he ever has he is fixated on making more and more, rather than close the gap. He told me he’s going to “chase the money” which means he’s open to move to another state, anywhere except my state or city right now. This really depresses me as I don’t know what the future holds. He says he needs to pay off his debts and that could take 2 years. I’m supposed to wait around? What if he backs out on me? I feel depressed and anxious over this. He says he wants a relationship with me but he’s hyper focused on making money right now. It’s very upsetting…
2023.03.29 06:06 Cautious_One_2003 He says he’s choosing to “chase money” instead of close the gap, I feel hopeless
My boyfriend (31M) that’s over 2000 miles and I (30F) have been arguing a lot lately about his finances. We’ve only been dating about 4.5 months. I cannot move because I own and operate a small business that I cannot relocate and my parents are here and they’re getting into an elderly age (my dad will be 70 next year). I’m also their only child so if something happened to them they have no one else. My boyfriend was born and raised in my state, he has some family in a city a couple hours from me where the main airport is. But his parents died when he was in high school. He grew up poor, in the “hood”. He moved to his new state almost a year ago with his ex, they broke up a little over a month before him and I met. The only person he has there is a good buddy he sees almost every weekend.
He is going back and forth and sometimes refusing to be open to moving here. 2 weeks ago he was very open to moving here until he looked at the job marker and said there’s nothing for him. I’m confused why he’s looking as he said he wouldn’t move for over a year until he pays off his debts, maybe 2 years… He keeps looking for jobs in other cities to make more money but not where I live. It’s a small city here I get it, there’s lack of jobs. But with us both making a duel income and my parents have offered to help we would be fine. I found a job he would like here for $60-70K but he refused. He hasn’t even been at his job for one year and currently makes $73K gross income (he started there in July). He keeps talking about the potential of the job opportunities making more than double that in years but he doesn’t seem to enjoy it all that much and it’s pretty boring day to day. He claims staying will open up new opportunities to make up to $150K but that would take many many years, maybe decades. He’s holding onto a potential and who knows if he will want to stay in this job field. Where as I made $82K last year (gross income) all on my own. He says to pay off his debts before moving to me first which take at least take 1.5-2 years. What if I wait all that time and then he backs out on me?? I cannot be waiting that long without confirmation.
He keeps saying he doesn’t want to “give up his career” and is making me feel bad for not moving because we talked about me moving a bit in the beginning (which I wish we hadn’t so early on). But I finally got to visit his state twice and had some realizations. All of my friends and family say it’s a bad idea for me to move across the country so I’ve chosen and confirmed that I will not abandon my parents and my business. Today, he told me he is going to focus on “chasing the money” and possibly move to a random state to make more money. He says he might never mov to my state. He grew up poor and is fixated now on making money now that he has a high paying job but seems bad with finances. Now I feel very confused about what the future holds for us and although I understand money pays off his debts and needs it for his life it makes me feel like I’m not a priority. Although he says he wants a relationship with me he doesn’t seem to want to close the gap. We’re in our 30s, we aren’t spring chickens and I don’t want to sit around for years waiting for him to pay off his debts and to make up his mind, possibly change on me.
I really feel depressed and anxious over this cause I’ve never had a boyfriend go out of their way for me ever. They all just give up on me or get cold feet with commitment and I’m exhausted. I’m never a priority and I’m very (overly) caring and supportive. When we met I thought he was the one and he said that too. We have a special connection. But money is more important to him at this point… it’s crushing me. Help?
submitted by Cautious_One_2003 to LDR [link] [comments]
He is going back and forth and sometimes refusing to be open to moving here. 2 weeks ago he was very open to moving here until he looked at the job marker and said there’s nothing for him. I’m confused why he’s looking as he said he wouldn’t move for over a year until he pays off his debts, maybe 2 years… He keeps looking for jobs in other cities to make more money but not where I live. It’s a small city here I get it, there’s lack of jobs. But with us both making a duel income and my parents have offered to help we would be fine. I found a job he would like here for $60-70K but he refused. He hasn’t even been at his job for one year and currently makes $73K gross income (he started there in July). He keeps talking about the potential of the job opportunities making more than double that in years but he doesn’t seem to enjoy it all that much and it’s pretty boring day to day. He claims staying will open up new opportunities to make up to $150K but that would take many many years, maybe decades. He’s holding onto a potential and who knows if he will want to stay in this job field. Where as I made $82K last year (gross income) all on my own. He says to pay off his debts before moving to me first which take at least take 1.5-2 years. What if I wait all that time and then he backs out on me?? I cannot be waiting that long without confirmation.
He keeps saying he doesn’t want to “give up his career” and is making me feel bad for not moving because we talked about me moving a bit in the beginning (which I wish we hadn’t so early on). But I finally got to visit his state twice and had some realizations. All of my friends and family say it’s a bad idea for me to move across the country so I’ve chosen and confirmed that I will not abandon my parents and my business. Today, he told me he is going to focus on “chasing the money” and possibly move to a random state to make more money. He says he might never mov to my state. He grew up poor and is fixated now on making money now that he has a high paying job but seems bad with finances. Now I feel very confused about what the future holds for us and although I understand money pays off his debts and needs it for his life it makes me feel like I’m not a priority. Although he says he wants a relationship with me he doesn’t seem to want to close the gap. We’re in our 30s, we aren’t spring chickens and I don’t want to sit around for years waiting for him to pay off his debts and to make up his mind, possibly change on me.
I really feel depressed and anxious over this cause I’ve never had a boyfriend go out of their way for me ever. They all just give up on me or get cold feet with commitment and I’m exhausted. I’m never a priority and I’m very (overly) caring and supportive. When we met I thought he was the one and he said that too. We have a special connection. But money is more important to him at this point… it’s crushing me. Help?
2023.03.29 06:01 BackgroundResult “The Potentially Large Effects of Artificial Intelligence on Economic Growth” Goldman Sachs
 | submitted by BackgroundResult to AILinksandTools [link] [comments] |
2023.03.29 05:59 kokasexton AI systems like ChatGPT could impact 300 million full-time jobs worldwide, with administrative and legal roles some of the most at risk, Goldman Sachs report says
| | submitted by kokasexton to kokasexton [link] [comments] |
2023.03.29 05:56 BackgroundResult Generative AI could hit 300 million jobs, Goldman Sachs says
 | submitted by BackgroundResult to AILinksandTools [link] [comments] |
2023.03.29 05:55 BackgroundResult 🤖 Why Goldman Sachs thinks generative AI could have a huge impact on economic growth and productivity
 | submitted by BackgroundResult to AILinksandTools [link] [comments] |
2023.03.29 05:47 Gullible-Conflict-46 Internship Tips
Good morning to all, I’m a Y2 Business student (have had about 5-6 different internship experiences) and I’ve had friends recently who asked me for tips on applying to internships. Truth be told, the period now is a little late to apply for summer, but you may still try. Do take note to apply at least 4 months in advance in future. For finance students, your cycles might open even one year prior especially for Investment Bankings.
Without further ado, here’s some tips I can share with all of you (I had quite a few offers for summer):
Resume stage: 1. Keep an excel sheet and list down companies in 3 different categories. Easy, intermediate, hard. You increase your chances of a company getting back to you if you do it this way instead of applying to all the competitive companies (especially of you have 0/minimal experiences). This can range from applying to startups to MNCs.
Interview stage: If you’ve gotten to this stage, congrats! Now all you have to do is practice.
*note: different companies have different stages. Some companies have tests, some companies have gamified stages, virtual interviews, but this thread is more meant for general internship advice.
For those who have other tips, feel free to share in this thread :)
P.S. Currently a Marketing student interning at Unilever now — if you have any questions, you may also PM me :)
submitted by Gullible-Conflict-46 to nus [link] [comments]
Without further ado, here’s some tips I can share with all of you (I had quite a few offers for summer):
Resume stage: 1. Keep an excel sheet and list down companies in 3 different categories. Easy, intermediate, hard. You increase your chances of a company getting back to you if you do it this way instead of applying to all the competitive companies (especially of you have 0/minimal experiences). This can range from applying to startups to MNCs.
- Put in all your relevant experiences. If you find that your resume is empty, PLEASE do not increase your line spacing, its obvious when you’re trying to do that to compensate and to just “fill in the gap”. Instead, you may list down your involvements in school i.e. projects, competitions. Many of my friends did not include in competitions they did not win in, but I recommend to still put it in if you have space. That way, employers know you at least try to participate. If you don’t include, they don’t know you so they’ll assume you never take part in such things.
- Keep your resume to a one pager. Most HR won’t even glance through / beyond 1 page. Highlight your key achievements. Anything 5 years and older you may remove :)
- Connect connect connect. LinkedIn is one of the best ways to leverage on getting to know a company culture / speak to the direct managers in the teams you’re keen to work with. Make use of that if you can. Ask questions.
- Consider projects, competitions and CCAs. If you have zero job experience, being a member of a relevant CCA is better than having nothing on your resume. If you’re keen to enter the finance industry, maybe taking part in competitions and being in NUS Investment Club helps.
- Do NOT use Canva for resumes. Most companies especially large MNCs use ATS systems. If your resume is fanciful, the system cannot detect your resume and you’ll be out right away.
- Use multiple platforms. Don’t just stick to TalentConnect and LinkedIn. Exhaust all career sites. Some companies only have listings on their own career portals. Look into those.
- Be realistic. Some sectors right now might not be doing extremely well i.e. tech. Apply to the industries you believe are / may not be as affected - FMCG is one of them. However, the barrier to enter FMCG is also a bit harder if you have no experiences. Different industries look at different amount of experiences.
- Cold emailing. Sometimes this works, sometimes it doesn’t. Especially for smaller companies, this would work way better compared to an MNC. If you’re keen to join a company, try dropping them an email and find the email on the company site.
- Research. Even if you’re desperate, make sure to research properly on the different roles / companies before you apply. Its better to be safe than sorry as many MLM companies are targeting students nowadays.
- Speak to seniors. They would know best how to enter specific fields / industries. Get their advice, the do’s and don’ts.
Interview stage: If you’ve gotten to this stage, congrats! Now all you have to do is practice.
- If you haven’t done so already: RESEARCH. Know the company inside out so that you can tweak whatever you want to say to show you are a good fit in the company.
- Prepare questions. Do not LEAVE an interview without asking questions. It shows that you have interest in the company enough to ask. Some examples: i.e. Tell me about the day to day of someone in [X role] in this company. OR How will you measure the success of the person in this position etc.
- Practice. Instead of memorising an actual script, have a few key points in your mind and pretend that you’re having an actual conversation with your friends about something you really care about. If you care about marketing, talk about how you first dived into that industry. Stand out from people.
*note: different companies have different stages. Some companies have tests, some companies have gamified stages, virtual interviews, but this thread is more meant for general internship advice.
For those who have other tips, feel free to share in this thread :)
P.S. Currently a Marketing student interning at Unilever now — if you have any questions, you may also PM me :)
2023.03.29 05:31 WhysoAzirous HELP: To sell or not to sell VUL insurance products?
Greetings everyone, I am a relatively new Financial Advisor from PRULife and I just want to share my thoughts about the topic and get your insights that will hopefully help give me peace of mind.
This reddit has been one of the best (if not the best) place to get advise on anything related to finance. I really look up to you guys. As such, I wanted to talk about something that has been bothering me greatly -- selling VUL insurance products to future clients.
Since I am a financial advisor and have passed the necessary exams and completed the necessary training syempre gets ko naman na VUL policies offer life insurance coverage + investment (na supposedly we should think of "bonus" na lang). So ayon as I read more about insurance in this reddit (because frankly mas marami pa ko natutunan here), mas naging skeptical na ko about the effectiveness of VUL products.
Alam ko na nowadays dapat marketed na ang mga VUL products as mainly protection/insurance pero lo and behold marami paring agents that still market some magical % annual return na never naman nameemeet and nag nenegative pa (mga agents na may awards). More on this later.
So ayon after further research and digging parang better talaga ang buy-term-invest-the-difference (BTID) for majority of the people. Nowadays parang ang best option is to chuck money into digital banks and harvest their quite good interest rate or take advantage of PAGIBIG MP2. Not only do they outperform way better, they have lower risk.
So as usual, I would ask this during QNA of trainings, what they thought of BTID vs VUL and chucking money into digital banks and PAGIBIG. Ofcourse, this was met with high resistance and frowning.
Some answers I've gotten:
So this begs the question, bakit lagi naadvertise ang 10% annual rate of return on investment pero ang nangyayare pala is -10% HAHAH maling 10% pala.. Isn't this borderline deceptive marketing? VUL funds are so fricking bad it pains me to even think about recommending that to my client.
Marami na ko natanong na life insurance agents of different positions (iba nga MDRT pa) about this very controversial and highly nuanced topic and have gotten quite unsatisfactory responses so I'm hoping you can educate & help me clear this topic.
So ayon I have tried my best also to find a notable defense / case for VUL products in the internet only to find maraming tao na disappointed / misled and other people telling other people to not get VULs. Sa sobrang negative ng tingin ng tao sa VUL it's pretty ironic if the product is really good right?
Siguro one of the advantages of VUL is pwede beyond 65 but beyond that wala masyado. Or maybe, VUL funds can actually outperform if the FA is knowledgeable about financial markets pero let's face it, they're not or at least most of the time they aren't. Being an FA is quite a low entry "job" and most can become one.
Lastly, I find it icky na sobrang taas ng mga commission. IDK maybe just me? Sa sobrang taas, nawawala na yung mission :(
Di ko na masyado ma structure thoughts ko pero they have been hounding me talaga and forgive me if they don't make sense. Know that I just want to be a highly competent financial advisor and am very eager to fulfill the mission of making Filipinos more financially literate. Pero ayon I find it difficult to promote VUL products to the people I care about because ayon nga dudang-duda ako about its efficacy. I don't want to a "top-performing" agent but someday be trashtalked on the internet (like this reddit page KEK) because my client somehow got budol / manipulated to get a VUL despite clearly explaining the policy.
So are VUL products good products to sell? Is term insurance the best recommendation for most clients?
I hope I didn't sound arrogant and if ever I was arrogant/ignorant forgive me. Please do educate and enlighten me more. I really want to be a good FA. Cheers!
submitted by WhysoAzirous to phinvest [link] [comments]
This reddit has been one of the best (if not the best) place to get advise on anything related to finance. I really look up to you guys. As such, I wanted to talk about something that has been bothering me greatly -- selling VUL insurance products to future clients.
Since I am a financial advisor and have passed the necessary exams and completed the necessary training syempre gets ko naman na VUL policies offer life insurance coverage + investment (na supposedly we should think of "bonus" na lang). So ayon as I read more about insurance in this reddit (because frankly mas marami pa ko natutunan here), mas naging skeptical na ko about the effectiveness of VUL products.
Alam ko na nowadays dapat marketed na ang mga VUL products as mainly protection/insurance pero lo and behold marami paring agents that still market some magical % annual return na never naman nameemeet and nag nenegative pa (mga agents na may awards). More on this later.
So ayon after further research and digging parang better talaga ang buy-term-invest-the-difference (BTID) for majority of the people. Nowadays parang ang best option is to chuck money into digital banks and harvest their quite good interest rate or take advantage of PAGIBIG MP2. Not only do they outperform way better, they have lower risk.
So as usual, I would ask this during QNA of trainings, what they thought of BTID vs VUL and chucking money into digital banks and PAGIBIG. Ofcourse, this was met with high resistance and frowning.
Some answers I've gotten:
1) It's hard to beat the market and invest by yourselfto which I replied, so what do you think of the 6% annual rate of Maya? He said na that's still bad because it doesn't beat inflation. I'm like eh paano yung mga funds niyo? mas lalong hindi? I then proceeded to share that their funds are extremely negative tapos he replied "saan mo nakita yan?" I said doon sa fund fact sheet. Then, suddenly he tried to end the meeting (LOL)
So this begs the question, bakit lagi naadvertise ang 10% annual rate of return on investment pero ang nangyayare pala is -10% HAHAH maling 10% pala.. Isn't this borderline deceptive marketing? VUL funds are so fricking bad it pains me to even think about recommending that to my client.
2) VUL helps people to become more disciplinedTo which I wonder, isn't that our job? To educate and help our client to become better handlers of finance? The job is not jobbing.
Marami na ko natanong na life insurance agents of different positions (iba nga MDRT pa) about this very controversial and highly nuanced topic and have gotten quite unsatisfactory responses so I'm hoping you can educate & help me clear this topic.
So ayon I have tried my best also to find a notable defense / case for VUL products in the internet only to find maraming tao na disappointed / misled and other people telling other people to not get VULs. Sa sobrang negative ng tingin ng tao sa VUL it's pretty ironic if the product is really good right?
Siguro one of the advantages of VUL is pwede beyond 65 but beyond that wala masyado. Or maybe, VUL funds can actually outperform if the FA is knowledgeable about financial markets pero let's face it, they're not or at least most of the time they aren't. Being an FA is quite a low entry "job" and most can become one.
Lastly, I find it icky na sobrang taas ng mga commission. IDK maybe just me? Sa sobrang taas, nawawala na yung mission :(
Di ko na masyado ma structure thoughts ko pero they have been hounding me talaga and forgive me if they don't make sense. Know that I just want to be a highly competent financial advisor and am very eager to fulfill the mission of making Filipinos more financially literate. Pero ayon I find it difficult to promote VUL products to the people I care about because ayon nga dudang-duda ako about its efficacy. I don't want to a "top-performing" agent but someday be trashtalked on the internet (like this reddit page KEK) because my client somehow got budol / manipulated to get a VUL despite clearly explaining the policy.
So are VUL products good products to sell? Is term insurance the best recommendation for most clients?
I hope I didn't sound arrogant and if ever I was arrogant/ignorant forgive me. Please do educate and enlighten me more. I really want to be a good FA. Cheers!
2023.03.29 05:27 Goregrip821 Enforceability of a non-compete
Hi all,
I’m a physical therapist out of New York. Earlier this week, a PT company reached out to me and made me a very solid job offer, one that I am very much considering taking. However, I have a non-compete agreement with the first company I worked for, which I left voluntarily in July 2022. Here is the exact verbiage:
“In consideration of Employee's employment, Employee agrees that while Employee is employed by Employer and for a period of (2) years following the termination of Employee's employment with Employer for any reason or no reason (whether voluntary or involuntary, with or without cause), Employee will not directly or indirectly:
2.1 own, manage, operate, finance, join, control, or be connected as an officer, employee, consultant, agent, independent contractor, representative, trustee, partner, stockholder or other equity owner with or otherwise engage in any form of clinical services for a physical therapy company or practice within a fifteen (15) mile radius from the clinic that he/she oversees.
2.2 solicit (or assist in soliciting), directly or indirectly, for the performance of business or services, interfere with or attempt to entice away from Employer or any of its affiliates, or accept such business from any person or entity: (i) which is at the time of such solicitation, or was within twenty-four (24) months prior to such solicitation, a referral source of Employer, or (ii) with whom Employee has (or had) personal contact or dealings on behalf of Employer at any time during the twenty-four (24) months immediately preceding the date of Employee's termination; or (iii) with whom employees reporting to Employee have had dealings on behalf of Employer or any affiliate of Employer at any time during the twenty-four (24) months immediately preceding the date of termination; or (iv) for whom Employee was directly or indirectly responsible at any time during the twenty-four (24) months immediately preceding the date of termination; or solicit (or assist in soliciting), directly or indirectly, for employment, employ, interfere with or attempt to entice away from Employer or any of Employer's affiliates any person who is an employee, consultant or agent of Employer or any of Employer's affiliates, who Employee came into contact with during employment, learned about during employment or obtained knowledge of such person's skills and abilities during employment with Employer; or solicit (or assist in soliciting), directly or indirectly, any supplier or licensee of Employer with whom Employee or Employee's subordinates or designees had contact or obtained confidential information regarding during employment with Employer.”
The clinic that I would potentially be joining is within a 15 mile radius of the clinic that I used to work at.
For information’s sake, there is also a clause that states that I would be expected to cover any attorney’s fees for the employer, should they take me to court:
“Further, Employee agrees that if Employee breaches any of the covenants set forth herein, the restrictive period will be extended by a period equal to the period of time during which Employee breached the Agreement. Employee also agrees that Employee is obligated to disgorge all wages if Employee breaches Employee's duty of loyalty to Employer during Employee's employment. Employer and its affiliates shall be entitled to recover from Employee and shall be responsible to pay all attorneys’ fees and costs incurred by Employer in enforcing the terms of this Agreement. All of the rights and remedies of Employer shall be cumulative and not alternative.”
I would very much like to take this standing job offer, but I fear that my previous company would threaten to enforce the non-compete. I’ve read before that New York is pretty favorable towards employees regarding lawsuits. Does the duration (2 years) and distance (15 miles) seem reasonable enough to be enforced if my employer were to challenge me? Or should I just continue to wait out the two years before considering returning to the area?
If further information is required I am more than happy to share. Thanks in advance.
submitted by Goregrip821 to AskALawyer [link] [comments]
I’m a physical therapist out of New York. Earlier this week, a PT company reached out to me and made me a very solid job offer, one that I am very much considering taking. However, I have a non-compete agreement with the first company I worked for, which I left voluntarily in July 2022. Here is the exact verbiage:
“In consideration of Employee's employment, Employee agrees that while Employee is employed by Employer and for a period of (2) years following the termination of Employee's employment with Employer for any reason or no reason (whether voluntary or involuntary, with or without cause), Employee will not directly or indirectly:
2.1 own, manage, operate, finance, join, control, or be connected as an officer, employee, consultant, agent, independent contractor, representative, trustee, partner, stockholder or other equity owner with or otherwise engage in any form of clinical services for a physical therapy company or practice within a fifteen (15) mile radius from the clinic that he/she oversees.
2.2 solicit (or assist in soliciting), directly or indirectly, for the performance of business or services, interfere with or attempt to entice away from Employer or any of its affiliates, or accept such business from any person or entity: (i) which is at the time of such solicitation, or was within twenty-four (24) months prior to such solicitation, a referral source of Employer, or (ii) with whom Employee has (or had) personal contact or dealings on behalf of Employer at any time during the twenty-four (24) months immediately preceding the date of Employee's termination; or (iii) with whom employees reporting to Employee have had dealings on behalf of Employer or any affiliate of Employer at any time during the twenty-four (24) months immediately preceding the date of termination; or (iv) for whom Employee was directly or indirectly responsible at any time during the twenty-four (24) months immediately preceding the date of termination; or solicit (or assist in soliciting), directly or indirectly, for employment, employ, interfere with or attempt to entice away from Employer or any of Employer's affiliates any person who is an employee, consultant or agent of Employer or any of Employer's affiliates, who Employee came into contact with during employment, learned about during employment or obtained knowledge of such person's skills and abilities during employment with Employer; or solicit (or assist in soliciting), directly or indirectly, any supplier or licensee of Employer with whom Employee or Employee's subordinates or designees had contact or obtained confidential information regarding during employment with Employer.”
The clinic that I would potentially be joining is within a 15 mile radius of the clinic that I used to work at.
For information’s sake, there is also a clause that states that I would be expected to cover any attorney’s fees for the employer, should they take me to court:
“Further, Employee agrees that if Employee breaches any of the covenants set forth herein, the restrictive period will be extended by a period equal to the period of time during which Employee breached the Agreement. Employee also agrees that Employee is obligated to disgorge all wages if Employee breaches Employee's duty of loyalty to Employer during Employee's employment. Employer and its affiliates shall be entitled to recover from Employee and shall be responsible to pay all attorneys’ fees and costs incurred by Employer in enforcing the terms of this Agreement. All of the rights and remedies of Employer shall be cumulative and not alternative.”
I would very much like to take this standing job offer, but I fear that my previous company would threaten to enforce the non-compete. I’ve read before that New York is pretty favorable towards employees regarding lawsuits. Does the duration (2 years) and distance (15 miles) seem reasonable enough to be enforced if my employer were to challenge me? Or should I just continue to wait out the two years before considering returning to the area?
If further information is required I am more than happy to share. Thanks in advance.
2023.03.29 05:26 AnaWolfbay1412 AI systems like ChatGPT could impact 300 million full-time jobs worldwide, with administrative and legal roles some of the most at risk, Goldman Sachs report says
| | submitted by AnaWolfbay1412 to ana_to_read [link] [comments] |
2023.03.29 05:23 Comprehensive_Suit69 Chance a Below-Average Indian Male
Demographics: Indian Male, Competitive Private School, 3rd Gen, Northeast
Intended Majors (still deciding but one of the following): CS, Finance, Comp/Quantitative Finance, Business
———If I have the option I will mostly likely apply to a less selective major and switch into my preferred major if it seems to be easy to do at the school
ACT: 34 (35 E, 35 M, 34 R, 31 S) GPA: 3.9 UW
School does not have weighted GPA and does not rank.
School does not offer very many APs but the rigor is on paabove the level of others (at least according to past alums and counselors)
AP and Advanced Level Coursework:
10th grade math teacher - will be pretty good; she liked me a lot
11th grade math teacher - won’t be bad. Probably doesn’t know me as well but saw growth in me throughout the year
Debate Coach - likes me a lot, although never had me in class
11th grade history teacher - likes me a lot; I am the student leader for her homeroom as well and she told me my recent paper was the best in the class
Schools:
UPenn Cornell Georgia Tech Michigan Purdue UT Austin UIUC Berkeley Florida UVA Columbia
submitted by Comprehensive_Suit69 to chanceme [link] [comments]
Intended Majors (still deciding but one of the following): CS, Finance, Comp/Quantitative Finance, Business
———If I have the option I will mostly likely apply to a less selective major and switch into my preferred major if it seems to be easy to do at the school
ACT: 34 (35 E, 35 M, 34 R, 31 S) GPA: 3.9 UW
School does not have weighted GPA and does not rank.
School does not offer very many APs but the rigor is on paabove the level of others (at least according to past alums and counselors)
AP and Advanced Level Coursework:
- AP Comp Sci A (school doesn’t offer Principles)
- AP BC Calc
- Physics C (1 semester Mechanics, 1 semester E&M)
- AP Chinese
- Working with a research mentor from a university on a paper related to autonomous vehicles. I cold emailed him about a year ago and (hopefully) we will have a review paper published by the time I apply
- I’ve been working with a nonprofit based in my city that helps refugees and have organized drives, fundraisers, and now tutor refugee children. I was honored by the organization with an award last year and have been featured in 2 newspapers about my work.
- Vice President of my school’s Speech and Debate Team. I have helped students earn placements, and have placed at the local and state levels numerous times.
- 2 year starter on the Varsity golf team
- Job at my local gym as a fitness attendant
- Worked as a summer camp counselor in Summer 2021 for 4th graders
- I am a Student Leader at my school; basically help younger kids acclimate to high school; meet with them every once in a while
- Research Internship this summer at a local prestigious university researching AI topics
- Attended a Youth Entrepreneurship Program based in Silicon Valley; taught me a lot about entrepreneurship and professors from surrounding schools were guest speakers
10th grade math teacher - will be pretty good; she liked me a lot
11th grade math teacher - won’t be bad. Probably doesn’t know me as well but saw growth in me throughout the year
Debate Coach - likes me a lot, although never had me in class
11th grade history teacher - likes me a lot; I am the student leader for her homeroom as well and she told me my recent paper was the best in the class
Schools:
UPenn Cornell Georgia Tech Michigan Purdue UT Austin UIUC Berkeley Florida UVA Columbia
2023.03.29 05:17 Bronson2017 Any advice on which concentration option I should take for MBA?
I have an accounting degree and worked in cost accounting/budget analysis for five years. Been working as a pricing analyst for one year as of last month. I want to get a certification to not only earn more but to also be a bit more educated in the finance/ analysis field. I know I don’t want to get the CPA because personally I have had my fill of accounting and want to go the analysis/finance route. The jobs I have been looking at within current employer and other outside jobs all have “CPA/MBA preferred” in job description and I feel it’s a good idea to get a leg up for financial analyst or financial analyst II positions.
The school I am looking at has concentrations in finance and computing/data analytics. Which one do you all suggest I take?
submitted by Bronson2017 to careerguidance [link] [comments]
The school I am looking at has concentrations in finance and computing/data analytics. Which one do you all suggest I take?
2023.03.29 04:52 moodring88 How should I proceed with paying off a totaled car loan?
Long story short, I was in a car wreck and liability is still being debated and I have an attorney. I was injured in the wreck but now doing better so i'm trying to focus on my finances now. I only have comprehensive and medical coverage on my insurance so i'm not getting any money to replace my vehicle unless the other car is declared at fault. I also had gap insurance that I paid for through the dealership when I bought the vehicle, but because my loan is less than the value of my vehicle GAP only paid $241.00. my vehicle is valued at 14,000 and my loan is $8,0000. my car was towed to a towing yard and they told me if I pay the car off and get title, I will not owe any fees. Well I thought GAP would pay off, but again they only paid $241, so I was thinking about settling with my lender capital one. I kept calling and half the time they'd either hang up on me or I got someone who didn't speak English well. I told them I wanted to stop the interest and settle, they kept giving me the run around saying they document such as police report and proof I dont' have coverage etc. I submitted documents only to find out in the mail a few days later my car has been repossessed. I didn't know lenders would repossess a totaled vehicle. I wish capital one had explained that. Anyways, I called them today and they said I have 2 options. Get the account reinstated and pay $1300 (this included the towing charges) and they give it back to me and I get a totaled vehicle sitting in my driveway, then I could try to sell to a junk yard, I'm guessing. Use that money to possibly settle loan. But I'm guessing at this point, it's going to be reported on my credit anyway as repossessed already, right?
I'm worried that a repossession on my credit will not look good to lenders when I try to buy a new car. The representative at capital one, said she has seen in her job where customers can sometimes still secure a loan even with a repossession on their credit. she said it's possible to have 2 loans, still be paying the old loan off and get a new loan. She said she thinks the best plan of action for me, is to let the car go to auction and whatever it sells for will be applied to the loan. I will be responsible for the difference, which I have every intention of paying on and she even said they might settle with me.
so should I get the account reinstated and pay $1300, have a towing company drop it off in my drive and try to sell myself to a tow yard? or should I just let it go to auction and show up as a repossession on my credit, and pay off the difference later?
submitted by moodring88 to personalfinance [link] [comments]
I'm worried that a repossession on my credit will not look good to lenders when I try to buy a new car. The representative at capital one, said she has seen in her job where customers can sometimes still secure a loan even with a repossession on their credit. she said it's possible to have 2 loans, still be paying the old loan off and get a new loan. She said she thinks the best plan of action for me, is to let the car go to auction and whatever it sells for will be applied to the loan. I will be responsible for the difference, which I have every intention of paying on and she even said they might settle with me.
so should I get the account reinstated and pay $1300, have a towing company drop it off in my drive and try to sell myself to a tow yard? or should I just let it go to auction and show up as a repossession on my credit, and pay off the difference later?
2023.03.29 04:48 2noame Generative AI Could Affect 300 Million Full-Time Jobs Worldwide, Goldman Sachs report says
submitted by 2noame to BasicIncome [link] [comments]
2023.03.29 04:47 wingman2900 US Bankers are f*cking greedy. Top 25 bankers issued 10 time more Derivatives than their assets. Look at Goldman Sachs. Almost 100 times??? #MOASS will come.
 | submitted by wingman2900 to amcstock [link] [comments] |
2023.03.29 04:42 forever15_anon Thoughts on Gaining Life Experience
I’m curious about how people on this subreddit feel about their ability to learn from life experience.
I didn’t know about this subreddit until a couple of days ago or that this was a “thing” but had long considered myself stuck around 14-15. I knew “middles” in a ddlg sense existed and felt relatability there, but it doesn’t feel like “regression” to me in the same way, say, using a pacifier would. But the one thing that makes me feel different than I did when that was my biological age is that my life experiences have matured my *perspectives*.
I don’t want to universalize my own experiences, but I do think that this is something critically different about me than being literally a teenager trapped in an adult body. But I’m also mentally older than a lot of folks here, and I wonder if that enhances my ability to, at least in this way, experience self-improvement that can be considered "growth."
I don’t grow at all in critical ways, though. For instance, my ability to control my emotions and impulses is absurdly underdeveloped compared to my chronological peers.
I’m lucky to have wound up in a long-term relationship where we've, over time, adapted for my situation, though. My partner has taken on an overtly parental role over time, something we’re both cool with. I don’t have direct control over most of my money, just what I can spend on myself. She manages all the finances, and that is VERY necessary. 😅 If I don’t do a good job taking care of myself or am reckless or impulsive in the ways this leaves me prone to being, she steers me in the right direction. She provides me accountability and a sense that there is someone looking after me in a way someone would a teenager. I look up to her in a lot of ways despite her being chronologically a few years *younger* than me.
I don’t think I can be “cured” of being mentally stuck at 14-15, but I do want to get better at dealing with it, to make the most of it, to accomplish what I can in the framework of a long-term living arrangement where I’m treated as effectively still a teenager. And I’ve had a decent amount of success. Now that my partner knows this is a thing, she seems even more on board than ever with helping me feel comfortable.
But it seems like a lot of folks on this subreddit don’t want to experience this kind of “growth,” and I’m interested in perspective on whether this is a genuine difference in need or if maybe some people just want things to be easy (which I get completely, adult life is soooooo hard when you don’t feel like one!!)
I do think this is also important for me from a consent standpoint. This life experience is what makes it okay for me to be in a serious relationship with an adult despite being mentally 14-15. But from what I’ve seen, a lot of folks here are ace, which is entirely valid too!!
Sorry this was so long-windeddddd 😭
Anyway, glad this place exists, supportive of folks finding what is best for them, just trying to better understand what is best based on different experiences from my own.
submitted by forever15_anon to nevergrewup [link] [comments]
I didn’t know about this subreddit until a couple of days ago or that this was a “thing” but had long considered myself stuck around 14-15. I knew “middles” in a ddlg sense existed and felt relatability there, but it doesn’t feel like “regression” to me in the same way, say, using a pacifier would. But the one thing that makes me feel different than I did when that was my biological age is that my life experiences have matured my *perspectives*.
I don’t want to universalize my own experiences, but I do think that this is something critically different about me than being literally a teenager trapped in an adult body. But I’m also mentally older than a lot of folks here, and I wonder if that enhances my ability to, at least in this way, experience self-improvement that can be considered "growth."
I don’t grow at all in critical ways, though. For instance, my ability to control my emotions and impulses is absurdly underdeveloped compared to my chronological peers.
I’m lucky to have wound up in a long-term relationship where we've, over time, adapted for my situation, though. My partner has taken on an overtly parental role over time, something we’re both cool with. I don’t have direct control over most of my money, just what I can spend on myself. She manages all the finances, and that is VERY necessary. 😅 If I don’t do a good job taking care of myself or am reckless or impulsive in the ways this leaves me prone to being, she steers me in the right direction. She provides me accountability and a sense that there is someone looking after me in a way someone would a teenager. I look up to her in a lot of ways despite her being chronologically a few years *younger* than me.
I don’t think I can be “cured” of being mentally stuck at 14-15, but I do want to get better at dealing with it, to make the most of it, to accomplish what I can in the framework of a long-term living arrangement where I’m treated as effectively still a teenager. And I’ve had a decent amount of success. Now that my partner knows this is a thing, she seems even more on board than ever with helping me feel comfortable.
But it seems like a lot of folks on this subreddit don’t want to experience this kind of “growth,” and I’m interested in perspective on whether this is a genuine difference in need or if maybe some people just want things to be easy (which I get completely, adult life is soooooo hard when you don’t feel like one!!)
I do think this is also important for me from a consent standpoint. This life experience is what makes it okay for me to be in a serious relationship with an adult despite being mentally 14-15. But from what I’ve seen, a lot of folks here are ace, which is entirely valid too!!
Sorry this was so long-windeddddd 😭
Anyway, glad this place exists, supportive of folks finding what is best for them, just trying to better understand what is best based on different experiences from my own.
2023.03.29 04:40 the_pulse_r6s Goldman sachs additional interview after superday
Hey people, I've attended superday last week, and i got a response saying that the hiring manager is requesting an additional interview.
My DSA round went okay, i came up with the solution but had no time for debugging and running the code. Could it mean they're conducting one more technical, or is the hiring manager conducting a behavioral? Super nervous cz i like the company real good.
Thanks in advance.
submitted by the_pulse_r6s to csMajors [link] [comments]
My DSA round went okay, i came up with the solution but had no time for debugging and running the code. Could it mean they're conducting one more technical, or is the hiring manager conducting a behavioral? Super nervous cz i like the company real good.
Thanks in advance.
2023.03.29 04:34 drago123 AI systems like ChatGPT could impact 300 million full-time jobs worldwide, with administrative and legal roles some of the most at risk, Goldman Sachs report says
| | submitted by drago123 to u/drago123 [link] [comments] |
2023.03.29 04:30 BreadLobbyist Landed what was essentially a dream job, then lost it after three weeks. I'm not doing okay.
I just need to vent. I'm not necessarily looking for advice, and no other sub seemed appropriate.
A few years ago, I quit a job I hated in an industry I couldn't care less about to go back to grad school to study something I loved. However, I've wasted a lot of that time in school putting forth the bare minimum, turning in mediocre work, and procrastinating to the point where it nearly wrecked the entire ordeal. (Chronic procrastination has been an intense struggle for me since my teen years.) On top of that, I'm just not particularly good at this new thing, I have a laughably unimpressive resume, and I am, overall, not a candidate worth hiring for a position in this new industry.
Despite all of that, a few months ago, I landed an almost-dream-job (not my literal dream job but one that put me on a direct path to it) through pure luck and accidentally networking with the right person. It was a long-term, remote contract role with a small company ("Company A") working on a large, genuinely exciting project for a large, well-known tech company ("Company B"). I started in mid-February after having been unemployed for nearly two years -- parenting a toddler full time and going to school part time.
It was awesome. I loved the job and I loved the people I was working with. My toddler was enrolled in an affordable daycare that my husband and I were very pleased with. (We nabbed the only available spot in her age group at JUST the right time.) Everything, in general, felt like it was finally falling into place for me. I even joked with my husband about all of the good luck we were having and would wonder out loud when it was going to run out.
I guess I jinxed it, because right around the point that I hit the three week mark at the job, the project director called all of the contractors into a virtual meeting and told us that Company B was shutting the project down and that we were all out of a job, effective immediately.
Long story short, I'm not doing well. I'm in a deep emotional funk that I don't know if I'll be able to get out of anytime soon. The thought of having to start my search all over again from scratch terrifies me because, like I said, I'm not a candidate worth hiring. I can't even use this brief position as a resume boost because I barely had time to learn or do anything, and I can't use these folks as references because I had hardly any time to get to know them and zero time to show them what I can do. If anything, having this fling of a job on my resume will be a liability.
Landing this position meant the enormous burden of having to search/apply for jobs and network (while trying to build my portfolio and parent full time) was, at least temporarily, lifted off my shoulders. Being set back in this way is extremely overwhelming and I have absolutely no idea where to begin in terms of starting over.
My daughter has been officially pulled from daycare as of Friday, and despite the fact that I (obviously) love her desperately, going back to the tedious daily full-time parenting routine after having gotten a tiny taste of the career I'd been dreaming about is...emotionally draining, to put it lightly. (And, of course, because that luck I mentioned earlier seems to have officially run out, she's been very sick during my first two days back in the SAHM world. She's miserable and in pain, which means she's also emotionally volatile. It's been an extremely rough 48 hours, and there will be more of the same tomorrow.)
I also made a big deal out of this job with my family and friends, so having to tell people about getting essentially laid off after less than three weeks is humiliating, despite the fact that it wasn't the result of something I did. I've been avoiding telling anyone who's not immediate family and just hoping nobody notices my quiet removal of the position on social media (particularly LinkedIn).
This job also meant that, for the first time in years, my family wouldn't be living paycheck-to-paycheck. Now we're right back where we started, constantly having to stress about finances.
The best part? I turned down a paid internship for this position. I also spent $2,500 on equipment I needed to do the job, which is nearly 100% of what little I earned, after (estimated) taxes. So, financially, I ended up in exactly the same place. We didn't even get a little boost from the month's salary that I earned. (I worked for ~three weeks, but I was paid for an additional week.)
On top of it all, I have no close friends, so I have very few people in my life whom I feel comfortable talking about this with.
Everything just sucks.
submitted by BreadLobbyist to TrueOffMyChest [link] [comments]
A few years ago, I quit a job I hated in an industry I couldn't care less about to go back to grad school to study something I loved. However, I've wasted a lot of that time in school putting forth the bare minimum, turning in mediocre work, and procrastinating to the point where it nearly wrecked the entire ordeal. (Chronic procrastination has been an intense struggle for me since my teen years.) On top of that, I'm just not particularly good at this new thing, I have a laughably unimpressive resume, and I am, overall, not a candidate worth hiring for a position in this new industry.
Despite all of that, a few months ago, I landed an almost-dream-job (not my literal dream job but one that put me on a direct path to it) through pure luck and accidentally networking with the right person. It was a long-term, remote contract role with a small company ("Company A") working on a large, genuinely exciting project for a large, well-known tech company ("Company B"). I started in mid-February after having been unemployed for nearly two years -- parenting a toddler full time and going to school part time.
It was awesome. I loved the job and I loved the people I was working with. My toddler was enrolled in an affordable daycare that my husband and I were very pleased with. (We nabbed the only available spot in her age group at JUST the right time.) Everything, in general, felt like it was finally falling into place for me. I even joked with my husband about all of the good luck we were having and would wonder out loud when it was going to run out.
I guess I jinxed it, because right around the point that I hit the three week mark at the job, the project director called all of the contractors into a virtual meeting and told us that Company B was shutting the project down and that we were all out of a job, effective immediately.
Long story short, I'm not doing well. I'm in a deep emotional funk that I don't know if I'll be able to get out of anytime soon. The thought of having to start my search all over again from scratch terrifies me because, like I said, I'm not a candidate worth hiring. I can't even use this brief position as a resume boost because I barely had time to learn or do anything, and I can't use these folks as references because I had hardly any time to get to know them and zero time to show them what I can do. If anything, having this fling of a job on my resume will be a liability.
Landing this position meant the enormous burden of having to search/apply for jobs and network (while trying to build my portfolio and parent full time) was, at least temporarily, lifted off my shoulders. Being set back in this way is extremely overwhelming and I have absolutely no idea where to begin in terms of starting over.
My daughter has been officially pulled from daycare as of Friday, and despite the fact that I (obviously) love her desperately, going back to the tedious daily full-time parenting routine after having gotten a tiny taste of the career I'd been dreaming about is...emotionally draining, to put it lightly. (And, of course, because that luck I mentioned earlier seems to have officially run out, she's been very sick during my first two days back in the SAHM world. She's miserable and in pain, which means she's also emotionally volatile. It's been an extremely rough 48 hours, and there will be more of the same tomorrow.)
I also made a big deal out of this job with my family and friends, so having to tell people about getting essentially laid off after less than three weeks is humiliating, despite the fact that it wasn't the result of something I did. I've been avoiding telling anyone who's not immediate family and just hoping nobody notices my quiet removal of the position on social media (particularly LinkedIn).
This job also meant that, for the first time in years, my family wouldn't be living paycheck-to-paycheck. Now we're right back where we started, constantly having to stress about finances.
The best part? I turned down a paid internship for this position. I also spent $2,500 on equipment I needed to do the job, which is nearly 100% of what little I earned, after (estimated) taxes. So, financially, I ended up in exactly the same place. We didn't even get a little boost from the month's salary that I earned. (I worked for ~three weeks, but I was paid for an additional week.)
On top of it all, I have no close friends, so I have very few people in my life whom I feel comfortable talking about this with.
Everything just sucks.
2023.03.29 04:29 FastSnail69 I Need Help with Career Choosing
This year is my first year of college of going into a bachelors in finance, (I'm also getting a associates in Business Management) and I really wanted to become a Financial Analyst, but research is telling me different stuff. The pay is good/above average, some say good life work balance and some say awful. Some say 40 hour work week, and some say 60. I looked up jobs I can get with a BA in Finance, and the list goes on and on. What are careers you'd recommend with good life work balance, and decent (Meaning above average 60k-87k nothing crazy) and decent schedule? I could put the time in to research my self but so many different answers for the same career.
2023.03.29 04:25 throwaway000909009 Am I making a mistake?
This is going to be a longer post so bear with me. tl;dr at the bottom :)
I am a second year Waterloo Math student who absolutely hates it here. I never really made a good group of friends, have struggled with learning math in uni (its very different than hs), have been lowkey depressed but nothing that's super serious, and basically came to the conclusion that I am no longer passionate about what i am studying. I've dropped/retaken 4 math courses out of the 8 I've attempted taking but have done tremendously well in accounting/finance/accounting courses (90%+). I love business/economics and although i could take electives in said subjects, i don't think that i am cut out for UW math frankly. As such, I am looking to transfer into Western University for Economics for fall 2023 (have already been accepted and will transfer directly into year 2).
Here's the thing. I went to UW for the coop program and have benefited dramatically. By the end of April, I will have completed 2 coop terms and frankly, they have been top placements. I don't know how tf i got into such top firms with prestigious job titles (Big 4 Audit & IB M&A) despite my shitty GPA relatively speaking (~70-72%). My fear surrounding this move is that I lose out on the coop opportunities/job board and have to rely solely on external applications. I think my employers hired me cuz of my math background and disregarded my GPA cuz of that (my first coop employer said that directly to my face lololol). I'm worried that switching to a "less prestigious" program (i hate that people have that outlook but i digress) will hinder me and my career trajectory post-grad.
I want to end up in some finance gig when i graduate but don't really care what type of role cuz i genuinely think that they are all interesting (IB, PE, S&T, etc). Im thinking of accepting my offer but am so fucking scared I'm making the wrong move. Should i just stick it out at UW or should i transfer to western? Thoughts?
TL;DR: I want to transfer from UW math to Western Economics but fear i will lose out on the UW coop board that i have benefited so dramatically from
submitted by throwaway000909009 to OntarioUniversities [link] [comments]
I am a second year Waterloo Math student who absolutely hates it here. I never really made a good group of friends, have struggled with learning math in uni (its very different than hs), have been lowkey depressed but nothing that's super serious, and basically came to the conclusion that I am no longer passionate about what i am studying. I've dropped/retaken 4 math courses out of the 8 I've attempted taking but have done tremendously well in accounting/finance/accounting courses (90%+). I love business/economics and although i could take electives in said subjects, i don't think that i am cut out for UW math frankly. As such, I am looking to transfer into Western University for Economics for fall 2023 (have already been accepted and will transfer directly into year 2).
Here's the thing. I went to UW for the coop program and have benefited dramatically. By the end of April, I will have completed 2 coop terms and frankly, they have been top placements. I don't know how tf i got into such top firms with prestigious job titles (Big 4 Audit & IB M&A) despite my shitty GPA relatively speaking (~70-72%). My fear surrounding this move is that I lose out on the coop opportunities/job board and have to rely solely on external applications. I think my employers hired me cuz of my math background and disregarded my GPA cuz of that (my first coop employer said that directly to my face lololol). I'm worried that switching to a "less prestigious" program (i hate that people have that outlook but i digress) will hinder me and my career trajectory post-grad.
I want to end up in some finance gig when i graduate but don't really care what type of role cuz i genuinely think that they are all interesting (IB, PE, S&T, etc). Im thinking of accepting my offer but am so fucking scared I'm making the wrong move. Should i just stick it out at UW or should i transfer to western? Thoughts?
TL;DR: I want to transfer from UW math to Western Economics but fear i will lose out on the UW coop board that i have benefited so dramatically from