#at least with a job you're making money

[non-un-topo]

Time to shift into academic mode and close all my fun tabs ;_; (ao3, google docs, research I was trying to cram in so I could write a short fic before the semester.... rip)

[angiestown]

[vounoura]

ESO tying guild traders (auction houses) to guild ownership (and thus, a guild quite literally needs to purchase any given auction house slot, AHs function as individual stores bc the system means there's no centralized AH like in other MMOS, and to sell anything on an AH you need to be in a guild that's purchased a slot, and keeping that slot isn't guaranteed and needs constant upkeep) is a fun video game economy idea. in theory.

In practice it's kind of dogshit bc selling and even buying anything is a complete hassle bc on the buyer side you have to run from guild trader to guild trader checking prices even with outside tools like Tamriel Trade Centre, but the fact guilds controlling auction houses and thus the best, most convenient AH spots (ie. Mournhold, Vivec City, Elden Root, etc) become extremely prime real estate you need to keep paying absurd amounts for to keep has led to the rise of the idea of guild dues, the idea that many, many, many guilds require you to have a constant stream of in-game income you use to pay guilds with like, weekly, just to not only sell your shit but keep your spot in a guild at all is so insane to me

[eggmeralda]

do you ever feel casually suicidal? like you're not depressed or anything you're doing fine but also it feels like a convenient option

[mwagneto]

got my first shift at my first Real Job tmrw night ending at 1am wml😔😔😔

[medicinemane]

And maybe you'll be like "but if you don't trust businesses, how can you trust welfare?"

I fucking don't. My mom trying to get on food stamps fucked me up because a lady I never met without my permission got my SSN from my mom and started editing my files. My heart still races to this very second whenever I think about it, it kinda messed me up bad and I'll never ever ever see any kind of recourse

And I'm terrified that I'm gonna lose my medicaid just cause I inherited some money from my grandpa

And I've never even applied for disability cause it kinda doesn't matter finding out if I'd qualify or not cause of my depression, when the rules are so restrictive I don't know if I've even be allowed to keep my house

I do not fucking trust these things on a personal level. I feel like out of a lot of people I have the most to fear from them cause I'm on the edge of having things work, and that gets you punished

...but I need medicaid in order to have insurance (and when you strip out the finance side of medicaid, I love medicaid... they're honestly incredible insurance... I just... I just... dental is like 90% of why medicaid is so important to me, ever since I found out this state pays for it I've actually been able to do cleanings which is important to me cause I can't always get myself to brush)

And I think things like disability and food stamps are pretty damn important on a personal level, and honestly are also good for the economy cause they get people spending... it's practically a free cash infusion into the economy, cause these are people who need to buy stuff

There's just so much important stuff welfare does that it's worth dealing with government

No, what I want is more accountability so if someone gets my SSN from a 3rd party like my mom they're held to HIPPA styles standards where that's not ok to access my files without my permission (She changed my fucking address and tried to get medicaid to investigate me for fraud! Never even met me)

Like have some accountability there and in every situation

Secondly I want less punitive focused rules. I'd frankly prefer bezos get on disability than smack down some poor sod cause they got $2000 in the bank or cause their friend lets them live with them for free

If there's gonna be a cut off on these programs, it needs to be a solid step above the poverty line, cause... by definition I assume poverty line denotes kinda the minimum expected income people can reasonably live off of, and if you take away benefits people are gonna lose a chunk of money to covering that stuff themself, so you need a buffer before you kick people off

I don't fucking trust the government for a second, I've actively been fucked by them and on a personal level I avoid everything but medicaid and only that cause everything but the money is pleasant to deal with and I kinda need it (honestly if I was rich I'm not even kidding that I'd rather give medicaid like $400 a month than some insurance company, I sincerely like them as insurance)

But I'd trust them a lot more if they were less punitive, less out to hunt me down and gut me cause someone handed me a fiver or cause I started to get on my feet, and if government employees had concrete rules they had to follow that were actually transparent and enforced

Like 90% of my problems with welfare go away if they're held accountable and there's less "catch the welfare cheats" mentality going around

I don't trust the government in the slightest, but sadly there some jobs it kinda has to do, so I'd just rather force it to be an open book where the public can keep an eye on it and if they step out of line there's consequences (sort of like I don't trust most mega corps but happen to sometimes need stuff from them... did you know literally every cell service provider has been illegally selling shit like your location data to random people like bounty hunters, and the FCC just slapped them with a fine that's 0.02% of their yearly incomes and debated even doing that? I even can offer a source on that)

...I don't trust much of any authority cause they constantly fail me and kinda screw me. Don't trust doctors either, but I still gotta go to them, you know? ...they're just... they're real bad at listening... so many systems need systemic change

(You know who I really don't trust is the cops. I could point to so many examples. My uncle doesn't trust cops either, and he's an ex Fire and SWAT paramedic, he worked with them and we still got into a long conversation where he basically tore into them far better than I can)

(I don't trust authority that's not accountable)

[katya-goncharov]

i have to go to an appointment to apply for universal credit tomorrow, and i'm so worried that the people there are going to be absolute assholes

[arrowpunk]

Current mood: gosh I sure would enjoy my life more AND make a good bit more money if I was able to just do art full time- Like if I spent 8-10 hours a day on art for commissions and such I would probably make twice what I'm making at my current job- but also I don't have much visibility as an artist which is fine, and I don't have the time to churn out shit for free in order to grow my visibility and market myself (because yeah sure I know drawing fanart would get a lot more eyes on my shit but I just do not want to so I am not going to) but also IF I had the ability to use all the time I'm currently at work on art stuff I probably Would gain a big enough following to at least get a decent amount of commissions- I mean I'm skilled enough as an artist that it's definitely not unthinkable- but ALSO I cannot afford to quit my job or take the time off of work to Have enough energy to churn out art pieces consistently enough to build a following and get customers.

In conclusion: my life is a Sisyphean nightmare of no money and no time but have to go to job that steals all my time to get enough money to barely stay afloat because the only other option is completely sinking and that is not something I will accept.

[nacrelysis]

how are you a billionaire and you still don't pay your fucking bills. god.

this is a level of incompetence i've never fucking SEEN before. and I'M the person who ends up carrying the group projects.

[iknowicanbutwhy]

12 hour shifts should be illegal. Holy hell.

[non-un-topo]

Worrying I'm developing a case of senioritis, not in the screw-this-I'm-just-not-going-to-do-it way, but in the holy-shit-can-I-please-finally-just-be-done way

[terrainofheartfelt]

How do you like being a librarian?

It rocks, anon.

Okay but for real, I spent like, the first part of my 20s trying to Make It as a young artist in opera and that shit was killing me slowly. I went to library school as a sort of interim skill that would let me work while my voice matured, and then while that was happening the world ended, and I ended up in the library job that I do now, and that security after working alternating retail and independent contractor gigs has been everything. Like, I'm still thinking things like: a set schedule? health insurance? paid time off? what luxury!!!!

and I've always been a Books Girl and loved surrounding myself with books, and in addition to that I just love....the detective work that comes with librarianship? I love working in reference and helping people find things, as my GA advisor said: "putting on my detective hat and solving things" it's the kind of complex problem solving that I really love. and I am just happy to find a line of work that I enjoy and that I can live off of that still gives me time to do things that feed my soul.

But I'll be honest, lately....I have been bored at my current job. I like it, and I like the people I work with, but there's just always external factors that are straining our department, and the work I'm doing now isn't necessarily what I trained for. I studied to be a music librarian, with a focus on reference and user services, and right now I'm in Interlibrary Loan, which is intricate and interesting in its own way, but it has less intellectual stimulation than the stuff I talked about above. So I've just been kinda....meh about work lately, but I am looking for ways to change that.

And, lemme tell you. I worked in a supermarket in the spring and early summer of 2020, and this is infinitely better than THAT.

[vounoura]

to be clear I love the champion point system bc it's a fun spin on the MMO-standard of raising the overall level cap and it's nice to have something with actual effects on my character to progress on (the much, much faster leveling at veteran rank doesn't make it a slog either, and it's obviously something you're meant to gain passively doing what you were normally doing) even after the 'soft' level cap and gear stat cap and doesn't make me feel like I'm wasting exp doing things like questing, world bosses, delves, etc bc technically I'm still leveling.

but tbh the main reason I like it is bc they had the genuinely good idea to make cp points a) account-wide and b) usable by every character on the account even if they're not high enough level to actually level cps themselves, and I like that you're tacitly rewarded not just for doing things on your main but for having alts and having them at max level bc every cp level makes every single one of your characters stronger even at level 1.

[lobautumny]

This problem is nothing new, but this specific example with these numbers puts it into a fucking brutal perspective.

To put these numbers a different way: A Taco Bell burrito that used to cost ~7 minutes and 20 seconds of minimum wage work now costs ~30 minutes and 30 seconds of minimum wage work.

You used to be able to work at Taco Bell anywhere in the country and make enough money in one hour to buy at least 8 burritos (maybe 9 if you're a manager or something) and feed, like, 3-4 people a decently-filling meal. But now, the same amount of work at the same job will get you one meal for one person. And this change has happened over a mere 15 years.

Remember this whenever you see rich people demonize younger generations for our financial situations, when they call us irresponsible for not investing a ton of money in savings accounts.

[phantomrose96]

If anyone wants to know why every tech company in the world right now is clamoring for AI like drowned rats scrabbling to board a ship, I decided to make a post to explain what's happening.

(Disclaimer to start: I'm a software engineer who's been employed full time since 2018. I am not a historian nor an overconfident Youtube essayist, so this post is my working knowledge of what I see around me and the logical bridges between pieces.)

Okay anyway. The explanation starts further back than what's going on now. I'm gonna start with the year 2000. The Dot Com Bubble just spectacularly burst. The model of "we get the users first, we learn how to profit off them later" went out in a no-money-having bang (remember this, it will be relevant later). A lot of money was lost. A lot of people ended up out of a job. A lot of startup companies went under. Investors left with a sour taste in their mouth and, in general, investment in the internet stayed pretty cooled for that decade. This was, in my opinion, very good for the internet as it was an era not suffocating under the grip of mega-corporation oligarchs and was, instead, filled with Club Penguin and I Can Haz Cheezburger websites.

Then around the 2010-2012 years, a few things happened. Interest rates got low, and then lower. Facebook got huge. The iPhone took off. And suddenly there was a huge new potential market of internet users and phone-havers, and the cheap money was available to start backing new tech startup companies trying to hop on this opportunity. Companies like Uber, Netflix, and Amazon either started in this time, or hit their ramp-up in these years by shifting focus to the internet and apps.

Now, every start-up tech company dreaming of being the next big thing has one thing in common: they need to start off by getting themselves massively in debt. Because before you can turn a profit you need to first spend money on employees and spend money on equipment and spend money on data centers and spend money on advertising and spend money on scale and and and

But also, everyone wants to be on the ship for The Next Big Thing that takes off to the moon.

So there is a mutual interest between new tech companies, and venture capitalists who are willing to invest $$$ into said new tech companies. Because if the venture capitalists can identify a prize pig and get in early, that money could come back to them 100-fold or 1,000-fold. In fact it hardly matters if they invest in 10 or 20 total bust projects along the way to find that unicorn.

But also, becoming profitable takes time. And that might mean being in debt for a long long time before that rocket ship takes off to make everyone onboard a gazzilionaire.

But luckily, for tech startup bros and venture capitalists, being in debt in the 2010's was cheap, and it only got cheaper between 2010 and 2020. If people could secure loans for ~3% or 4% annual interest, well then a $100,000 loan only really costs $3,000 of interest a year to keep afloat. And if inflation is higher than that or at least similar, you're still beating the system.

So from 2010 through early 2022, times were good for tech companies. Startups could take off with massive growth, showing massive potential for something, and venture capitalists would throw infinite money at them in the hopes of pegging just one winner who will take off. And supporting the struggling investments or the long-haulers remained pretty cheap to keep funding.

You hear constantly about "Such and such app has 10-bazillion users gained over the last 10 years and has never once been profitable", yet the thing keeps chugging along because the investors backing it aren't stressed about the immediate future, and are still banking on that "eventually" when it learns how to really monetize its users and turn that profit.

The pandemic in 2020 took a magnifying-glass-in-the-sun effect to this, as EVERYTHING was forcibly turned online which pumped a ton of money and workers into tech investment. Simultaneously, money got really REALLY cheap, bottoming out with historic lows for interest rates.

Then the tide changed with the massive inflation that struck late 2021. Because this all-gas no-brakes state of things was also contributing to off-the-rails inflation (along with your standard-fare greedflation and price gouging, given the extremely convenient excuses of pandemic hardships and supply chain issues). The federal reserve whipped out interest rate hikes to try to curb this huge inflation, which is like a fire extinguisher dousing and suffocating your really-cool, actively-on-fire party where everyone else is burning but you're in the pool. And then they did this more, and then more. And the financial climate followed suit. And suddenly money was not cheap anymore, and new loans became expensive, because loans that used to compound at 2% a year are now compounding at 7 or 8% which, in the language of compounding, is a HUGE difference. A $100,000 loan at a 2% interest rate, if not repaid a single cent in 10 years, accrues to $121,899. A $100,000 loan at an 8% interest rate, if not repaid a single cent in 10 years, more than doubles to $215,892.

Now it is scary and risky to throw money at "could eventually be profitable" tech companies. Now investors are watching companies burn through their current funding and, when the companies come back asking for more, investors are tightening their coin purses instead. The bill is coming due. The free money is drying up and companies are under compounding pressure to produce a profit for their waiting investors who are now done waiting.

You get enshittification. You get quality going down and price going up. You get "now that you're a captive audience here, we're forcing ads or we're forcing subscriptions on you." Don't get me wrong, the plan was ALWAYS to monetize the users. It's just that it's come earlier than expected, with way more feet-to-the-fire than these companies were expecting. ESPECIALLY with Wall Street as the other factor in funding (public) companies, where Wall Street exhibits roughly the same temperament as a baby screaming crying upset that it's soiled its own diaper (maybe that's too mean a comparison to babies), and now companies are being put through the wringer for anything LESS than infinite growth that Wall Street demands of them.

Internal to the tech industry, you get MASSIVE wide-spread layoffs. You get an industry that used to be easy to land multiple job offers shriveling up and leaving recent graduates in a desperately awful situation where no company is hiring and the market is flooded with laid-off workers trying to get back on their feet.

Because those coin-purse-clutching investors DO love virtue-signaling efforts from companies that say "See! We're not being frivolous with your money! We only spend on the essentials." And this is true even for MASSIVE, PROFITABLE companies, because those companies' value is based on the Rich Person Feeling Graph (their stock) rather than the literal profit money. A company making a genuine gazillion dollars a year still tears through layoffs and freezes hiring and removes the free batteries from the printer room (totally not speaking from experience, surely) because the investors LOVE when you cut costs and take away employee perks. The "beer on tap, ping pong table in the common area" era of tech is drying up. And we're still unionless.

Never mind that last part.

And then in early 2023, AI (more specifically, Chat-GPT which is OpenAI's Large Language Model creation) tears its way into the tech scene with a meteor's amount of momentum. Here's Microsoft's prize pig, which it invested heavily in and is galivanting around the pig-show with, to the desperate jealousy and rapture of every other tech company and investor wishing it had that pig. And for the first time since the interest rate hikes, investors have dollar signs in their eyes, both venture capital and Wall Street alike. They're willing to restart the hose of money (even with the new risk) because this feels big enough for them to take the risk.

Now all these companies, who were in varying stages of sweating as their bill came due, or wringing their hands as their stock prices tanked, see a single glorious gold-plated rocket up out of here, the likes of which haven't been seen since the free money days. It's their ticket to buy time, and buy investors, and say "see THIS is what will wring money forth, finally, we promise, just let us show you."

To be clear, AI is NOT profitable yet. It's a money-sink. Perhaps a money-black-hole. But everyone in the space is so wowed by it that there is a wide-spread and powerful conviction that it will become profitable and earn its keep. (Let's be real, half of that profit "potential" is the promise of automating away jobs of pesky employees who peskily cost money.) It's a tech-space industrial revolution that will automate away skilled jobs, and getting in on the ground floor is the absolute best thing you can do to get your pie slice's worth.

It's the thing that will win investors back. It's the thing that will get the investment money coming in again (or, get it second-hand if the company can be the PROVIDER of something needed for AI, which other companies with venture-back will pay handsomely for). It's the thing companies are terrified of missing out on, lest it leave them utterly irrelevant in a future where not having AI-integration is like not having a mobile phone app for your company or not having a website.

So I guess to reiterate on my earlier point:

Drowned rats. Swimming to the one ship in sight.

[endlessfuckup]

the universe really just wants me to suffer indefinitely huh?