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'I posted my credentials openly on the internet and am now shocked that I have been taken advatage of'... no way!
If you're going to ding someone on grammar I'd suggest you at least spell correctly while doing it.
An hour with him is worth it. He's been around since before
Oddly, only 5% of adults have debt 30-180 days past due. This latter fact is partially accounted for by the fact that a broader range of debt can enter "in collections" status than "past due" status (e.g. parking tickets)... But also perhaps demonstrates that as one falls far enough along the debt spiral, escape becomes impossible. Particularly in the case of high-interest debt such as credit cards — the issuers of which cluster in states such as South Dakota, following a 1978 Supreme Court ruling that found that states' usury laws did not apply to banks headquartered in other states.
Even taking into account the folks to lost a parking ticket under their passenger seat, 35% is a pretty shocking number. Anyone have other theories why this number is so much higher than the 5% of people who are just "late"? How about some napkin math on the debt spiral? (And unfortunately, cue the inevitable geek snobbery about how people in debt must be "idiots".)"
Fact: There are very few "traditional" tech companies around Sacramento.
Fact: The pones that are there, know that and they consistently offer ~50-60% of Bay Area wages. They only want to hire recent college grads, not experienced people.
Fact: I recently left and won't be heading back. Besides, there are lots more good looking women here in the Bay Area.