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How concerned are you about your job? (2 Viewers)

10 being very concerned, 1 not at all... If things don't improve within the next 3 months, how conce

  • 10

    Votes: 14 4.0%
  • 9

    Votes: 16 4.6%
  • 8

    Votes: 24 6.9%
  • 7

    Votes: 18 5.2%
  • 6

    Votes: 14 4.0%
  • 5

    Votes: 29 8.4%
  • 4

    Votes: 23 6.6%
  • 3

    Votes: 46 13.3%
  • 2

    Votes: 43 12.4%
  • 1

    Votes: 119 34.4%

  • Total voters
    346
SHIZNITTTT said:
People in the medical field are being offered big time money to go fight Covid atm.   GL
Not an insignificant number of physicians are actually getting pay cuts.  Others are being asked to simply volunteer.

So no, that's not true everywhere.  It seems counterintuitive but that's what is going on.

 
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Not an insignificant number of physicians are actually getting pay cuts.  Others are asking to simply volunteer.

So no, that's not true everywhere.  It seems counterintuitive but that's what is going on.
Yep.  We're trying to work out now how to support our physicians while many of them are doing a small percentage of the work they used to.  Have to walk the line between not crippling the system with giving these folks enough to hang onto them for when normalcy returns. 

 
This is a huge problem and hospitals are going to need a bailout.  
They will, but the underlying problem is a dysfunctional reimbursement system which overcompensates proceduralists. Hopefully, this crisis will causes serious restructuring of our healthcare system.

 
They will, but the underlying problem is a dysfunctional reimbursement system which overcompensates proceduralists. Hopefully, this crisis will causes serious restructuring of our healthcare system.
This actually really highlights how backward our medical system is. Hospitals and doctors are reimbursed based on the volume of procedures they do.  There's little incentive for them to try to keep people healthy which would crush their income.

Here in Maryland we have a hybrid system where it's fee for service for physicians and hospitals are essentially capitated.  It's not perfect but it does better align community and hospital incentives. 

 
prosopis said:
what is topping up?
Topping up means to "add on top of".  In this context it would mean the person filing for unemployment would get that check from the state gov't, and then the company would add some additional $$ to get them closer to what their salary was.  My company promised to top up the unemployment payment to get to 60% of salary for all furloughed employees. 

 
Terminalxylem said:
Hopefully, this crisis will causes serious restructuring of our healthcare system.
I'll believe it when I see it.  Too many vested interests will fight tooth and nail to keep the broken system functioning for them and their business models.  The USA has been doing it wrong for decades, but there's no political will to do it right.

 
I'll believe it when I see it.  Too many vested interests will fight tooth and nail to keep the broken system functioning for them and their business models.  The USA has been doing it wrong for decades, but there's no political will to do it right.
refraining from additional political commentary  :wall:

 
Topping up means to "add on top of".  In this context it would mean the person filing for unemployment would get that check from the state gov't, and then the company would add some additional $$ to get them closer to what their salary was.  My company promised to top up the unemployment payment to get to 60% of salary for all furloughed employees. 
We would call that topping off. Must be different regional slang.

 
Topping up means to "add on top of".  In this context it would mean the person filing for unemployment would get that check from the state gov't, and then the company would add some additional $$ to get them closer to what their salary was.  My company promised to top up the unemployment payment to get to 60% of salary for all furloughed employees. 
Wouldn't the employee have to report that income to the state, which would then possibly reduce their benefit?

 
Northern Voice said:
We have heard that our primary products are seeing big sales increases, so our side of the business (which is the larger part of the company) is booming but there is another side that is more food service oriented - with heavy focus on offices, pubs and bars, so that side is obviously taking a big hit.

Anyway, still working for now but I wish people would just recognize the situation, put their head down, be quiet, do what they're asked and keep the status quo. So, this is just my venting, good luck to others in this uncertainty.
Conference call today and while the Thursday before the long weekend afternoon call raised my Spidey senses basically they're saying status quo until at least May 4, so that's good for a few weeks security. 

 
Inventory control for a grocery distribution warehouse. Crazy times right now, but I have no concerns about losing my job. Also not possible for me to WFH, and the warehouse isn't exactly prioritizing distancing, so each day is its own adventure in trying to keep others away from me and my office.
Warehouse has done a better job of promoting distancing, but I am still seeing way too many instances of people working/talking in close quarters. But, I'm glad to still be working everyday, albeit with plenty of anxiety.

We did receive a nice letter from the CEO this week, thanking everyone for stepping up during this unprecedented time. The company announced we will be closed on Easter (we don't close...ever), everyone scheduled to work that day will still get paid AND everyone will get an additional floating vacation day to use. Also, all employees (minus top management) will be receiving a discretionary bonus! I've worked for this company for 20 years. This will be the first bonus I've ever gotten.

 
Warehouse has done a better job of promoting distancing, but I am still seeing way too many instances of people working/talking in close quarters. But, I'm glad to still be working everyday, albeit with plenty of anxiety.

We did receive a nice letter from the CEO this week, thanking everyone for stepping up during this unprecedented time. The company announced we will be closed on Easter (we don't close...ever), everyone scheduled to work that day will still get paid AND everyone will get an additional floating vacation day to use. Also, all employees (minus top management) will be receiving a discretionary bonus! I've worked for this company for 20 years. This will be the first bonus I've ever gotten.
:thumbup:

ETA...your work is much appreciated in these days. Thanks! And glad to hear you have a boss/management that's doing the right thing. 

 
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We instituted 20% across the board pay cuts and furloughed all administrative staff. Im not concerned for my job as Im the one who turns out the lights when it is over. Oddly enough I have a job offer as a lot of companies don’t have people who know how to deal with this nonsense. Really scary to think about moving into an unknown situation right now but Im strongly considering it. 20% is a deep cut for me and my current industry (luxury retail) is going to eat a lot of #### this year. 
 

Stay safe GBs. @El Floppo I have my feelers out for you. 

 
Kal El said:
So a lot of guys at my company (electrical work) have been scrambling for work the past few days as service calls dry up and new construction waits on other trades to do stuff. Tomorrow is my turn, but I was told to call the owner and see if he has anything for me to do that day, which is possible. If I don't work, I'm lucky enough to have some cash saved, so my family and I have a temporary cushion. My wife is working as well, so we still have some income.
I took my Jeep in to get some work - didn’t have to be done but I figured the guy is hurting for work and could use the money. I talked to him for a while.  He said he almost always runs 3 weeks out on repairs but right now is down to a couple days and he’s starting to get nervous - I had him do a couple of things I was planning to do myself to throw some more money his way.  So sad what is happening to so many.  Good luck man.

 
I took my Jeep in to get some work - didn’t have to be done but I figured the guy is hurting for work and could use the money. I talked to him for a while.  He said he almost always runs 3 weeks out on repairs but right now is down to a couple days and he’s starting to get nervous - I had him do a couple of things I was planning to do myself to throw some more money his way.  So sad what is happening to so many.  Good luck man.
Turns out that I had work today, but none tomorrow for anybody at the company, however, one of the foremen called me and offered me some work on Saturday, which means possible overtime next week, so that's cool.

 
Still waiting to hear if we are going to reduced hours/pay.  The CEO announced a couple weeks ago that executives were taking the big hit and there would be company-wide reductions in hours and pay.  So far my group is business-as-usual.  We are incredibly busy and generate a ton of the company's revenue.  Knock on wood, but it looks like we may escape the reduction.  I would hate to have to apply for reduced-hours unemployment.  Pain in the booty.  

 
Just got the call from the boss this afternoon. Email going out Monday. 

Top execs taking cuts 

Companywide 2x weeks unpaid "furlough" taken by everyone sometime in May or June. We can pick when it is based on project load. Can't overlap with similar team folks and can't be back to back weeks.

:shrug:   if that's my only pain from this, I'll take it. Lucky compared to many. 

Loading mine in late June under the hopes that the virus will be lightened up by then. If so I'll prob head down and use the week to hang with the folks in Tampa, do some fishing with pop, etc.

Lemons>Lemonade. 

 
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Just got the call from the boss this afternoon. Email going out Monday. 

Top execs taking cuts 

Companywide 2x weeks unpaid "furlough" taken by everyone sometime in May or June. We can pick when it is based on project load. Can't overlap with similar team folks and can't be back to back weeks.

:shrug:   if that's my only pain from this, I'll take it. 

Loading mine in late June under the hopes that the virus will be lightened up by then. If so I'll prob head down and use the week to hang with the folks in Tampa, do some fishing with pop, etc.

Lemons>Lemonade. 
This must be the playbook. We are doing company-wide furloughs for a week each in May and June. 10 unpaid days in Q2. Then see where we stand. Trying to avoid any RIFs

 
As long as things start turning around in May, I'm Feeling a little safer after seeing this quote from our CEO in an article this week:

"We just got to get everybody at our company across to the other side,” he said. “We love our employees and when we get to the other side of this and this all starts to recover, we don’t want to have to go try to find new people. We like the ones we have. We want to keep them with us.”
:thumbup:  

 
Just got our news

no raises (duh)

401k match delayed until 2021 (not clear if this is a deferral or we just never get it.  Either way whatever, I’m so far behind on retirement anyway)

...and 20% pay cut for at least 3 months, repaid Q1 2021.  (That’s the one that hurts, but we did qualify for the trump bucks so rather that buying some cool stuff with that it will hopefully sustain our normal status.  Next salary band is taking 6 moths and deferred up to 2 years so for once I’m glad im not making more money)

Definitely could be worse

 
I put six as I have gone from Oh, it is so nice to be home and have a paycheck to what if this continues on for a long time and I can't ever safely go back.

I have been WFH for the past 2-3 weeks and I can continue to do that for a while longer, but at some point, I have to physically be there. If the system were to reopen in the immediate future, there is going to be pressure on me to come in, but the CDC guidelines are (more than likely) going to continue to state I am in the group that will need to be protected (Type 1 Diabetic). My worry is my job will say I need to be medically retired. I have the years and  could do it, I just would need some flexibility in arranging for our kids to be placed on my wife's insurance.

 
Just got our news

no raises (duh)

401k match delayed until 2021 (not clear if this is a deferral or we just never get it.  Either way whatever, I’m so far behind on retirement anyway)

...and 20% pay cut for at least 3 months, repaid Q1 2021.  (That’s the one that hurts, but we did qualify for the trump bucks so rather that buying some cool stuff with that it will hopefully sustain our normal status.  Next salary band is taking 6 moths and deferred up to 2 years so for once I’m glad im not making more money)

Definitely could be worse
good for you/ your company.. ours was a 20% reduction for Q2 with no plans to repay :kicksrock:  

 
I'm finishing up my one week furlough. Praying this will be it. 

Still pretty nervous though. I was made the Data Mgmt Admin, but still I've only been here a month so I won't feel safe.

Weekly company-wide Covid conference call today at 2. 

🤞

 
Mr.Pack said:
I'm finishing up my one week furlough. Praying this will be it. 

Still pretty nervous though. I was made the Data Mgmt Admin, but still I've only been here a month so I won't feel safe.

Weekly company-wide Covid conference call today at 2. 

🤞
🤞

 
Got good news today. Was let go back in early February and when the ship hit the sand in March I figured we were really in trouble.

Just got word that I'll be hired on as a contractor at a place I left (on good terms) 14 years ago. Most of the people I worked with are still there. Score one for not burning bridges!

 
Got good news today. Was let go back in early February and when the ship hit the sand in March I figured we were really in trouble.

Just got word that I'll be hired on as a contractor at a place I left (on good terms) 14 years ago. Most of the people I worked with are still there. Score one for not burning bridges!
That's awesome, congrats! I learned long ago the world is too small to be burning bridges regardless of how you feel about the situation.

 
My boss told me today that it'll likely be two more weeks until the company puts their plans into action, so I'm still in limbo (but getting paid at 100% with not 401k matching).

However, I just saw reports that our division (which is like 75% part of the total corp's revenues) isn't losing the sales we thought we would.  For Q1 we were on a +13% YOY clip, and then in Wk11 we were +7%, Wk12 we were off -11%, Wk13 off -5%, Wk14 off -1%.  So things have been rough, but rebounding from 4 weeks ago.  Overall in 2020, we're +9% revenue growth still.  If we can get to flat YPY, I don't think the furloughs or layoffs will be deep.   I think that's why the company is taking a wait and see approach.

 
Does anyone know if you file for partial unemployment will you be eligible for the additional $600?  My wife is down to working less than 20 hrs a week.
My wifes boss finally asked and got a response from the head of HR about filing for partial unemployement.  She said she does not know if they can file for partial unemployment and you should look into it yourself, I am just HR.  Am I wrong to think that the head of HR should know something about partial unemployement or be able to find out?

 
Alright - here is a pickle I am in.

Was furloughed a few weeks ago. I don't make tons of money like some, so my weekly unemployment check is like $600 bucks, minus taxes, (~50% of take home pay). My work just reached out and said that they have some stuff for me to do over the next several weeks until we plan on re-opening our museum (I work at a children's museum and I am still highly skeptical of their hopeful opening date of late June).

Anyway - the plan is that next week would be a full week of work, the following like 10 hours, the ones after that, unknown at this point, but some combination of part time and full time.

State unemployment benefits will make up for any difference  between what I earn, and the $600 bucks I would get. So basically, if I work the 40 hours, I get my full pay. If I work 10 to ~20 hours, I get the same $600 I would get if I didn't work. 

The kicker is if I get no state unemployment benefits in a week because I earned over $600, I get no federal benefits. I am not trying to game the system here, but there is a chance that my work will say, here - work these 22 hours this week (or whatever # I am just making it up), and I am left with making roughly half my salary with no way to increase (ie. get the federal unemploymeent check).

With the uncertainty (at least in my mind) of us re-opening soon, and the fact that I have hit a groove in homeschooling my 6 and 8 year old, I don't know what the #### to do.

And mind you - the only reason they are calling me back in is because me and my team are cheaper (design + fabrication) than the outside sources they have been using and they want to bank some cash (rightfully so for they are cash poor). This is a project for another museum that paid us X amount of money to develop, design, fabricate new exhibits. So, this isn't totally a compassionate "we want you back moops because we care"

 
Does anyone know if you file for partial unemployment will you be eligible for the additional $600?  My wife is down to working less than 20 hrs a week.
My wifes boss finally asked and got a response from the head of HR about filing for partial unemployement.  She said she does not know if they can file for partial unemployment and you should look into it yourself, I am just HR.  Am I wrong to think that the head of HR should know something about partial unemployement or be able to find out?
FYI - I heard from my HR person that so long as you apply for some/partial state unemployment, you are eleigible for the additional $600 from the feds - regardless of how much you get from the state

 
Voted 1.  

I work as an actuary in a big life insurance company, in a reinsurance division that is going to spin off in a few months.  Extremely busy, no changes in salary or benefits.  I have been working from home for the past month with no end in sight.  I miss my multiple monitors and quick computing time in the office, but I can't complain about anything after reading this thread.

I know what it's like to be unemployed.  I spent most of 2017 unemployed.  Hang in there everyone.

 
I went through a long period of unemployment during the "best economy ever".

And then, as people are sheltering in place and there are mass layoffs, I went through an entire recruiting process virtually, got hired, and will start working (from home) a week from today. All without meeting a single human face-to-face.

i'm not worried about the new job at all and I count myself as fortunate AF.

 
the moops said:
Alright - here is a pickle I am in.

Was furloughed a few weeks ago. I don't make tons of money like some, so my weekly unemployment check is like $600 bucks, minus taxes, (~50% of take home pay). My work just reached out and said that they have some stuff for me to do over the next several weeks until we plan on re-opening our museum (I work at a children's museum and I am still highly skeptical of their hopeful opening date of late June).

Anyway - the plan is that next week would be a full week of work, the following like 10 hours, the ones after that, unknown at this point, but some combination of part time and full time.

State unemployment benefits will make up for any difference  between what I earn, and the $600 bucks I would get. So basically, if I work the 40 hours, I get my full pay. If I work 10 to ~20 hours, I get the same $600 I would get if I didn't work. 

The kicker is if I get no state unemployment benefits in a week because I earned over $600, I get no federal benefits. I am not trying to game the system here, but there is a chance that my work will say, here - work these 22 hours this week (or whatever # I am just making it up), and I am left with making roughly half my salary with no way to increase (ie. get the federal unemploymeent check).

With the uncertainty (at least in my mind) of us re-opening soon, and the fact that I have hit a groove in homeschooling my 6 and 8 year old, I don't know what the #### to do.

And mind you - the only reason they are calling me back in is because me and my team are cheaper (design + fabrication) than the outside sources they have been using and they want to bank some cash (rightfully so for they are cash poor). This is a project for another museum that paid us X amount of money to develop, design, fabricate new exhibits. So, this isn't totally a compassionate "we want you back moops because we care"
Not really well thought out by the feds. We are going to have 15% unemployment and 1 million plus unfilled jobs at the same time

 
fightingillini said:
Voted 1.  

I work as an actuary in a big life insurance company, in a reinsurance division that is going to spin off in a few months.  Extremely busy, no changes in salary or benefits.  I have been working from home for the past month with no end in sight.  I miss my multiple monitors and quick computing time in the office, but I can't complain about anything after reading this thread.

I know what it's like to be unemployed.  I spent most of 2017 unemployed.  Hang in there everyone.
You might want to get a different monitor.  Mr R is using a Samsung C43J89.  It has a 32" by 10" aspect ratio.  It makes working from home a lot better.  It will show two monitor's worth at the same time.

 
Not really well thought out by the feds. We are going to have 15% unemployment and 1 million plus unfilled jobs at the same time
I thought with unemployment, you are required to actively be looking for work.    Is there some condition that you're only required to look for work in your respective field?

 
Could be wrong but don’t think people are being required to look for work during this. 
That's the case in Ohio.  When filing weekly claims, they have waived the job search protocol and asked that we enter COVID19 instead.  

With that said, OH did not expect/prepare for the mass layoffs that occurred in the last two months.  My last day was 3/31, applied for unemployment but still haven't received a payment.  They waived the week waiting period, but claims are sitting there as "pending".  I received a few questions about the claims, which I have answered, but still no idea what is going on.  You call the number and there is an automated response that the lines are busy and to call back later or go online.  I go online, and the only actions you can take are read notices or file a claim.  It's a ridiculous circle where many unemployed people can't file a claim, or are in limbo because you can't get in touch with anyone to resolve any questions or clarify claim responses.

 
That's the case in Ohio.  When filing weekly claims, they have waived the job search protocol and asked that we enter COVID19 instead.  

With that said, OH did not expect/prepare for the mass layoffs that occurred in the last two months.  My last day was 3/31, applied for unemployment but still haven't received a payment.  They waived the week waiting period, but claims are sitting there as "pending".  I received a few questions about the claims, which I have answered, but still no idea what is going on.  You call the number and there is an automated response that the lines are busy and to call back later or go online.  I go online, and the only actions you can take are read notices or file a claim.  It's a ridiculous circle where many unemployed people can't file a claim, or are in limbo because you can't get in touch with anyone to resolve any questions or clarify claim responses.
Similar thing here. A few observations of the ridiculousness of the MN unemployment site.

1) You can only apply between 600AM - 800PM on Monday - Friday. This is electronically mind you. So the website is literally closed during the weekend and nights. WTF? Is there someone physically in the office printing out these applications or something?

2) The help line is just a busy signal. All the time. My first payment is now listed as "check" for payment options. 2nd payment says "direct deposit". Third says "debit card". These are all processed yet I haven't seen a check, direct deposit, or a debit card. We're not sweating the money, so no big deal, but I do want to talk to someone to find out what is going on. And when I call, it is just busy. No queue, no voicemail, just busy :kicksrock:

 
So hours cut at work.  From 40 to 30 hrs.  Can I collect unemployment for the difference is hours???  

TIA

 
That's the case in Ohio.  When filing weekly claims, they have waived the job search protocol and asked that we enter COVID19 instead.  

With that said, OH did not expect/prepare for the mass layoffs that occurred in the last two months.  My last day was 3/31, applied for unemployment but still haven't received a payment.  They waived the week waiting period, but claims are sitting there as "pending".  I received a few questions about the claims, which I have answered, but still no idea what is going on.  You call the number and there is an automated response that the lines are busy and to call back later or go online.  I go online, and the only actions you can take are read notices or file a claim.  It's a ridiculous circle where many unemployed people can't file a claim, or are in limbo because you can't get in touch with anyone to resolve any questions or clarify claim responses.
Doesn't even matter if it was still a requirement.   They don't even have the man power to process claims.   They sure as hell aren't going to be doing any enforcement.  Ironic that the people out of work can't get unemployment b/c the people dishing out the unemployment don't have enough people.   

 
RedmondLonghorn said:
I went through a long period of unemployment during the "best economy ever".

And then, as people are sheltering in place and there are mass layoffs, I went through an entire recruiting process virtually, got hired, and will start working (from home) a week from today. All without meeting a single human face-to-face.

i'm not worried about the new job at all and I count myself as fortunate AF.
How do they you're not a bot? How do we know?

:tinfoilhat:

 
So hours cut at work.  From 40 to 30 hrs.  Can I collect unemployment for the difference is hours???  
Part of this seems to depend on which state you live in (the timing anyway).

Aha!  This covers the issue.  If you scroll down to the section labeled "How does the CARES Act create new unemployment insurance benefits?", you'll see that it includes those who are partially unemployed.  Sounds promising.

 
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The hospital announced they will be slashing payroll at Director's level and higher by 10%, Higher Execs by 20%...that's fine, just want them to know we will be Working From Home every Friday for the rest of the foreseeable future 😉 

Honestly, we're going to be OK but I just want folks who are suffering similar things to know that in no way do I feel the pay cuts for any of us are just or fair. It's BS! A lot of companies and entities are simply taking advantage of the average person because they CAN!

Sure Sure, it's great to know you have to now cover 2 and 3 positions thru furloughs and lay offs like we did in 2010.  

 
the moops said:
Alright - here is a pickle I am in.

Was furloughed a few weeks ago. I don't make tons of money like some, so my weekly unemployment check is like $600 bucks, minus taxes, (~50% of take home pay). My work just reached out and said that they have some stuff for me to do over the next several weeks until we plan on re-opening our museum (I work at a children's museum and I am still highly skeptical of their hopeful opening date of late June).

Anyway - the plan is that next week would be a full week of work, the following like 10 hours, the ones after that, unknown at this point, but some combination of part time and full time.

State unemployment benefits will make up for any difference  between what I earn, and the $600 bucks I would get. So basically, if I work the 40 hours, I get my full pay. If I work 10 to ~20 hours, I get the same $600 I would get if I didn't work. 

The kicker is if I get no state unemployment benefits in a week because I earned over $600, I get no federal benefits. I am not trying to game the system here, but there is a chance that my work will say, here - work these 22 hours this week (or whatever # I am just making it up), and I am left with making roughly half my salary with no way to increase (ie. get the federal unemploymeent check).

With the uncertainty (at least in my mind) of us re-opening soon, and the fact that I have hit a groove in homeschooling my 6 and 8 year old, I don't know what the #### to do.

And mind you - the only reason they are calling me back in is because me and my team are cheaper (design + fabrication) than the outside sources they have been using and they want to bank some cash (rightfully so for they are cash poor). This is a project for another museum that paid us X amount of money to develop, design, fabricate new exhibits. So, this isn't totally a compassionate "we want you back moops because we care"
I would tell them you won't do it for pay because it will F up your unemployment. See if they'll do it for comp time later.

 
I work for a medical publishing company in the Philly area. I'm in the news division and everything is fine there -- in fact, ad revenue on our website has gone way up because the drug and device companies can't spend their marketing budgets in some of the ways they usually do, so they are diverting money to promote their products on sites like ours. 

However, we have other divisions that rely on live events for a good chunk of their revenue. They are probably hurting. 

We have been almost 100% work from home since March 12. My own job can be done from anywhere, only one of my tasks has had to change in any real way as a result of WFH. As far as I know, the only person who has been laid off is the mailroom guy. 

Today we were told that performance reviews and the potential raises that come from them will be delayed for everyone for at least 10 weeks. But we are very lucky that that is our worst news so far, given what so many other companies are going through. 

 
uggghhh.. After originally feeling 4 to 5 concern based on what the CEO had said just a few weeks ago.. We get an email today with this:

unfortunately the steps taken to date are not enough. The economy and our business are decelerating faster than we anticipated just a few short weeks ago. State and national leaders do not have clarity on when the economy will reopen, or when any of us can expect the recovery to begin. This all forces us to act. The very difficult next step: increase targeted furloughs across the entire organization as required to match our spending to income. 
So.. now my anxiety has risen to a 8.. and of all days as today marks my 1 year with the company.. Hoping it isn't the "Low man on the totem pole" type of thing.. :mellow:  

At least they are talking about Furloughs, meaning we'd keep our health benefits..

just had another company contact me this week regarding a Full time work from home position.... so... if they are going to drop the hammer I hope it is sooner rather then later so I can reach back out to them. 

 
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