I feel like hell, but I have no sick leave and can't afford to miss anymore time, so I'm back in my cell.
That's OK, because I hope I'm going to be starting my new job as an A/V tech soon and it'll pay a lot more...finally get out of debt, maybe buy a new used car. I have some cash from my late uncle, and combined with an actual 'adult' salary, I might be able to afford a vehicle that doesn't run on an external combustion engine. Of course, I'll be travelling a lot , so I'll need to get a laptop too-
Oh hey, here's a call from my new employer. I'd better return that call.
Alright! There's a position they want to offer me! Hope's up!
Um, hmmm...
*droop*
I see...
*wither*
Is insurance included?
*wilt*
It seems they can't exactly give me the job or the salary I applied for, but I can work for them as a contractor doing semi-skilled manual labor ( soldering, laying cable etc) for one dollar more per hour than I currently make doing semi-skilled paperwork.
One dollar? I didn't think I'd get what I asked for, but one dollar is pretty discouraging. I don't have any certification or degrees or anything, but I thought that twenty years of experience would qualify me for more than grunt work at sustenance wages.
I won't get the nice travel perks and the bonuses that came with the position I wanted, but on the other hand , I won't be living in hotels either.
Well, OK. That's not so bad, is it?
It is bad. There's no health insurance - after 90 days, I may be hired as an employee and given benefits, but there's no guarantee of that.
Last year, I spent an uninsured week in hospital, and nothing short of a lottery jackpot can fix that mess, so health insurance is a must-have item.
I called our company Healthcare Provider and was told I could use the handy Consolidated Omnibus Reconcilliation Act ( COBRA) to continue coverage for up to 18 months.
Well, OK. That's not so bad, is it?
It is bad. The payments are $350 a month, or $4,200 a year, which, despite the COBRA site's claim to the contrary , is more than the cost of individual insurance. I can't afford individual insurance, so I know I can't afford COBRA, even if I am earning a whopping 13 bucks an hour.
$12/hr with insurance is better than $13/hr without, but it's still absurd to think that an adult can live in America on less than $500 a week.
But many people do it.
Rent= $ 7,200
Health= $4,200
Taxes= $6,000
From $27 K, this leaves less than $10,000 a year to pay for everything that isn't rent, insurance and taxes.
Oh, and since I am to be a contractor, I will have to provide my own tools, which I do not currently own , an initial outlay of $500 or more.
And I need a reliable vehicle. If I use my car money to buy tools, I will have less than two grand with which to buy a car. That's a tough price range.
All my options suck, but at least I have options.
I could drink myself to death for about $100 and be done with it, but I doubt that I will.
In fact, that's not even an option.
I don't know what I'll do, but it's not worth killing myself over.
Damn. I really wanted that job. If I hadn't had so many medical problems in the recent past, I'd just chuck the insurance and switch jobs, hoping to get hired on permanently; but at this stage I don't know if I'm willing to make that leap...90 days to possible hire, then another 90 days to insurance - 6 months without insurance, minimum.
I might still do it. I have until Monday to decide.
7 comments:
Just came across your blog... all the best in your efforts to make it in life. And may you get everything you wish for...
Choices are good --- especially when I don’t have to make the decision. I’ll say a prayer for you.
This would be a lot easier if I didn't need the medical so badly. I don't wanna do shit work, but maybe I'd get a shot at moving up.
I'm going to ask for more money.
That's what I'll do.
If they say no, I'll stay where I am, if they pay , I can self-insure and take the chance.
dude. as someone who's had medical issues w/o insurance, i know that horror. its one of the things that keeps me at my present job. i make a similar hourly wage, and its tough to live an "adult" life on that salary. boy howdy, i feel ya.
im laughing hysterically...I live on $719 a month.......keep the job with insurance..trust me..keep the job with insurance..something else will come along..everything you wanted with the new job..you won't be getting so why switch..
good luck sweetcakes...
i remember being told forty years ago that we had a golden future. the machines would do the work and our main concern would be what to do in all our leisure time. what went wrong????
Barb, yeah I wuz thinkin' of you and 'Nickel and Dimed'...funny how things have actually gotten worse since that book was pubbed...
YDG- um, that's hilarious. Almost as funny as my grannie telling me she has to sell the family house because she can't live on her SS.
Oh wait.
None of that is funny.
Ruby, were those dog years? Read Eisenhower's 1960 speech on the Military-Industrial Complex- Ike warned us exactly what would happen
and why.
Ike nailed it.
Post a Comment