• n7gifmdn@lemmy.ca
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    1 year ago

    I used to work for a French company. My colleagues in France would take the whole damn month of August off, and then complain that North Americans never worked.

    • Hyperreality@kbin.social
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      1 year ago

      TBF my experience with Japanese and American workers is that you spend a lot of time in the office, but aren’t particularly productive. Hardly surprising, given there’s loads of evidence that suggests a strict enforcement of leisure time, actually increases productivity.

      No one works at 100% if they work 70 hours a week and check their emails during the weekend.

      Or as I once put it to a boss, when he asked me why I was leaving the office at 1700 on the dot, I finish my work in 8 hours, my colleagues need 9.

    • Noughmad@programming.dev
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      1 year ago

      That’s the thing - if you have plenty of vacations and a short work week, then you tend to actually do work during your working hours. If you’re in the workplace for 70 hours every week all year, then naturally you can’t do useful work for most of these hours. Which is why it looks like you never work as you have to rest at work.

  • ThenThreeMore@startrek.website
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    1 year ago

    I usually just take a week over summer then the other 6 weeks at other times of the year. Hotels, fights and stuff pretty much double their prices over the summer.

  • krist2an@lemm.ee
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    1 year ago

    Don’t want to brag, but I took my compulsory 2-week vacation in July. I’m having another week of vacation in the middle of August and I’m taking a whole month off in the middle of October when my second child is born (dad-vacation, in addition to the 18 months that the mom has as paid maternity leave). Oh and all of this is fully paid.

        • reinar@distress.digital
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          1 year ago
          • paid by middle class, which cannot afford tax evasion.

          Wealthy people in Europe don’t pay shit. It’s much easier than in the US, where only ultra-wealthy don’t pay shit.

          • SailorMoss@sh.itjust.works
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            1 year ago

            ^This is what the law and order crowed says when the law is for wealthy and powerful people.

            Honestly, I was being a bit facetious by responding to an overly simplistic comment in an overly simplistic way. Personally, I think we should fund universal welfare programs by cutting out the ultra-wealthy middle man with a sovereign wealth fund like they do in Norway. No need to tax the ultra-wealthy if they don’t exist because they can’t extract the wealth from the people in the first place.

            • reinar@distress.digital
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              1 year ago

              this “overly simplistic comment” has everything you need and more, but I’ll bite.

              1. Wealthy people own companies. Companies are perfect tool for accumulating wealth, since you can reinvest profits forever and pay income tax (corporate rate) only on stuff you intend to extract to your own name, which is usually not much compared to total amount of generated income. Private person, on the other hand, is taxed on whole income and may qualify for usually laughable deductions. Got huge bonus from your job at the end of the year and plan to get few months off work to “invest in yourself” and learn a new trade? Tough luck, buddy, you are “rich” now - welcome to higher tax bracket, government will take their cut first and let’s see what you’ll be able to afford with what’s left.

              2. VAT is a scam to fuck people who have to spend their income for actual living. If you live paycheck to paycheck you’ll end up paying VAT on your whole income.

              3. Wealthy people don’t get their income in salary, salary is for working class. Dividends, capital gains, royalties - in any jurisdiction it’s possible to find something which will be less severe than income tax, which is also often not progressive or capped at something like 20%. Social security contributions are easily bypassed by employing yourself as CEO for minimal salary. Boom - now you have same healthcare as people who have to pay great chunk of their whole paycheck for it.

              4. If we restrict ourselves to EU citizens and your particular country is really anal or maybe 20% or something tax is too much for you anyway - you are free to move to Cyprus, Malta or Switzerland, which will have 0% capital gains if you meet not too tough conditions. Or “move”, you just have to get a residence there to declare as your primary one and be present at least sometimes - there’s no border control, it’s really hard to track if you spent there more than half a year for tax residency purposes, this is usually a matter of long legal battles and you won’t even get into that territory if you’re not doing anything too bizarre.
                This is a biggest difference with US citizens, they can’t benefit from tax havens because of their passport, IRS doesn’t care and is good equipped with lots of info, so US guys are left with real shady stuff with nominees and cash or traditional buy-borrow-die, which is sustainable only for ultra-rich.

              I’m living and doing business in EU and it took me quite a lot of time to get from nothing into the position where I can utilize at least some of the benefits of the above - but you have to be completely fucking blind to not see that it’s rigged and tax burden on people who don’t try to game the system is completely disproportional.

      • IverCoder@lemm.ee
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        1 year ago

        I’d rather my country raise my tax to 50% than live in a country like America.

        • jarfil@lemmy.ml
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          1 year ago

          Ironically, the average total taxation (after you add local, regional, national, etc. taxes) is either lower or at a similar approx. 35% of income.

          Americans just get stiffed by where that money goes afterwards.

          • Appoxo@lemmy.dbzer0.com
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            1 year ago

            I wonder how it ends if they add all the insurances, benefits etc. they would need to pay to get the same benefits as us.

      • Kellamity@sh.itjust.works
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        1 year ago

        Yup! And all we get for it is healthcare, childcare, college tuition, pensions, sick leave, maternity leave…

        • CallateCoyote@lemmy.world
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          I try explaining this to fellow Americans that you end up paying much less in the end and never have the stress of how you’re going to afford this stuff (or possibly even lose everything to a sudden health problem) but it falls on deaf ears if they’ve already been brainwashed. They refuse to hear that other countries have things figured out to make the lives of their citizens much more enjoyable.

        • puppy@lemmy.world
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          1 year ago

          Don’t forget reliable and comfortable public transport and properly maintained roads and public infrastructure.

      • ReakDuck@lemmy.ml
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        1 year ago

        We are supporting each other in hard times and fun times. Whats the problem? Should we rather shoot, hate and make fun of each other instead?

        • Capt. Wolf@lemmy.world
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          1 year ago

          Who’d have thought that prioritizing mental wellbeing, family, and health over corporate gains would be a good idea!? Surely this backwards commie system is doomed to fail!

        • Appoxo@lemmy.dbzer0.com
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          1 year ago

          Works good overseas, right? Imagine fearing an ER visit because of crippling debt or the ride with a fucking van to the ER itself.

      • Appoxo@lemmy.dbzer0.com
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        1 year ago

        I will gladly pay for those.
        But as far as I am aware those higher taxes fuel other things paid leave. I believe paternity leave is subsidized by it.

      • Thorny_Thicket@sopuli.xyz
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        1 year ago

        How does that work exactly? Why would the government pay my vages during my summer holiday when I work for a private company? I’m afraid you have no idea what you’re talking about…

    • Thorny_Thicket@sopuli.xyz
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      1 year ago

      I’ve had about 6 or 7 weeks of paid vacation this year already. A week long winter vacation and 4 week summer vacation and random days off in the middle of the week every now and then. The good thing about christian culture even though almost no-one is religious here is that we still get a day off for their holidays.

    • Appoxo@lemmy.dbzer0.com
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      1 year ago

      I had a few days off in spring, recently had my 2 weeks and another coming in october.
      Not much but it’s sufficient to me (but more is always better).

  • erogenouswarzone@lemmy.ml
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    1 year ago

    Yeah, someone has to pay for saving their asses in both world wars, they’re obviously not going to do it.

  • Alien Nathan Edward@lemm.ee
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    1 year ago

    lower unemployment

    Doesn’t matter, I can only have two, maybe three jobs at once so any more than that is irrelevant to me

    higher growth

    I get the same $8/hr whether the GDP goes up, stays the same or goes down. You can’t leave workers out of the distribution of wealth and then pretend that more wealth is good for workers

    • Gnubyte@lemdit.com
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      1 year ago

      I don’t understand how the hell people even work jobs that don’t make minimum of $30/hour at least in California and even parts of the East Coast. Like your rent is $1600-$2200. At 0.8*3200 for $ 20/hour with taxes your take home is $2560 for a 40 hour work week. So what are you just not eating that month?

      How about healthcare transportation medical 401K literally anything? Pruning of benefits didn’t happen because of corporate greed it happened because people just accepted what they were offered. In the Midwest where apartments might be closer to $700-$900 a month some of this works but on the coasts rent is usually twice that. And a car to get most places is $400 a month with insurance supposing you have the credit.

      I work in IT and programming, and Id love to do physical labor and talk to real humans rather than salamanders in silicon valley. But the jobs I see don’t even break $30 an hour. Yet it costed me $27 for ham and cheese and altoids, not even including bread where I live in the bay area. It is fucking expensive.

      I feel like America is doing so many things ass backwards greed first. But it’s not like I have the experience of living overseas or in Canada or otherwise so I don’t have much to compare it to, so it’s safer by default to live with the devil you know than the one you don’t.

      • 4815162342@lemmy.ml
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        1 year ago

        What people do is pile into apartments. Yeah, to live alone may cost let’s say $2000/month rent. But you can pile 4+ people into a four bedroom apartment that costs $5000, split it four (or more) ways, and they’re paying $1250/month. Some of them have significant others, so then you wind up with two people in one room each paying $625/month. (Just random numbers, but that’s the general idea of it.)

        The people I know who do it hate it, but it’s what they can afford while staying in the area they like (and/or were born in, have a community in, etc.).

  • Altima NEO@lemmy.zip
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    1 year ago

    There’s no Americans bragging about that. Corporations and the government, sure. The rest of us are to busy living in pain

    • Kaktus@lemmy.loomy.li
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      1 year ago

      Some years ago I were in US on vacation and a Cadillac commercial said you shouldn’t buy cars made by lazy people wo have 4 weeks vacation every year, instead you should buy an American car.

    • electriccars@startrek.website
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      1 year ago

      Most Americans have no clue what the rest of the world is like.

      Most Americans don’t even understand the progressive income tax system we have, they will go so far as to decline raises because it’ll put them in a higher bracket and they think that will mean less take home pay. It doesn’t! You should always take a raise!

      I believe I’ll someday move to a country that has good policies for everything from healthcare, to work life balance, and social safety nets, and I’ll never have to deal with the American nightmare again.

      • JustinTheGM@ttrpg.network
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        1 year ago

        There’s actually a tricky spot for folks who get certain social services which are tied to income. A small raise can bump you out of eligibility for things like medicaid and food stamps, and thus can in fact result in higher expenses, less money in your pocket, and a lower quality of life.

        • electriccars@startrek.website
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          1 year ago

          Yep! The welfare cliff I believe it’s called. Evidence of a poorly designed welfare system, which I think some see as a feature not a bug sadly.

      • Osito@lemmy.world
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        1 year ago

        To be fair, the rest of the world isn’t easily accessible for most Americans

        Education is broken because on purpose

        • Tar_alcaran@lemmy.world
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          1 year ago

          It’s literally one Google search away. And if they want to travel, you’ll be able to speak English to basically everyone (under 40)

  • ImplyingImplications@lemmy.ca
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    1 year ago

    It took me way too long to realize chasing a high pay, high stress career wasn’t worth it. I envied my friends and family for being able to enjoy weekends, evenings, and holidays when I couldn’t. I missed my best friends bachelor party, I missed Christmas and New Years parties. If i didnt miss them entirely i would show up late or leave early from every occasion. I realized I was going to reach the end of life never having lived it.

  • Skaryon@lemmy.world
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    1 year ago

    I love how in every topic about WFH there’s some dudebro going on about the economy suffering due to supposed lessened productivity and I’m like… Why should I care?

    • DragonTypeWyvern@literature.cafe
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      1 year ago

      People have been told their entire lives that the GDP of their nation matters without ever considering what it actually represents, or how it actually went up.

      Great, number go up, but why and who actually benefitted.

    • kibiz0r@midwest.social
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      1 year ago

      I love the abstract “productivity”.

      Like yo, cancer is incredibly productive.

      Demolishing subsistence farms and replacing them with cash crop slave plantations is mad profitable.

      I could make thousands of dollars in a day if I just sold everything I own.

      Our metrics of economic growth revolve around basically doing all of the above, to varying degrees of figurative vs. literal-ness.

      • pingveno@lemmy.ml
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        1 year ago

        That’s not how productivity works. It’s basically looking at how much a person can produce with a given amount of labor.

        Take that small scale subsistence farmer. Individually, they will live a precarious life. Their country will not have the surplus food needed for other pursuits like building cities, engaging in R&D, developing science, and so on. A smaller and smaller number of people need to be able to feed more and more using less land per person.

        Manually copied manuscripts are another example. They were painstakingly copied over by hand in an incredibly low productivity manner. The introduction of the printing press essentially eliminated an art form, but gave rise to practical mass media.

        In the present day, computers have been the main form of productivity booster. While arguably social media is a drag on productivity, overall computers open up a broad range of possibilities.

        Like yo, cancer is incredibly productive.

        Cancer is incredibly costly to society. Think about it, a single person getting cancer could mean many hours of them being in the hospital. Net zero on productivity

        Demolishing subsistence farms and replacing them with cash crop slave plantations is mad profitable.

        As I detailed above, transitioning from unproductive farms to highly productive farms is necessary. Don’t believe me, ask Mao.

        I could make thousands of dollars in a day if I just sold everything I own.

        That would not be a productive activity since there would be no value added. Arguably there would be less value, since that stuff is likely worth more to you than it is to another person.

      • Zalack@startrek.website
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        1 year ago

        This reminded me of an old joke:

        Two economists are walking down the street with their friend when they come across a fresh, streaming pile of dog shit. The first economist jokingly tells the other “I’ll give you a million dollars if you eat that pile of dog shit”. To his surprise, the second economist grabs it off the ground and eats it without hesitation. A deal is a deal so the first economist hands over a million dollars.

        A few minutes later they come across a second pile of shit. The second economist, wanting to give his peer a taste of his own medicine, says he’ll give the first economist a million dollars if he eats it. The first economist agrees and does so, winning him a million dollars.

        Their friend, rather confused, asks what the point of all this was, the first economist gave the second economist a million dollars, and then the second economist gave it right back. All they’ve accomplished is to eat two piles of shit.

        The two economists look rather taken aback. “Well sure,” they say, “but we’ve grown the economy by two million dollars!”

        • affidavit@feddit.nu
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          6 months ago

          The story is interesting but not very lifelike. The first economist would be much richer than the first, if they were OK with spending that much money on humiliating someone else. The likelihood that the second economist would accept the same deal is impossible in my mind. That amount of money is just humiliation money to them, not really worth it.

  • sederx@programming.dev
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    1 year ago

    post ww2 socialist russia people had more disposable income and more vacation days than americans.

  • JusticeForPorygon@lemmy.sdf.org
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    1 year ago

    God please let me move to Europe I don’t even care what language I have to learn I just wanna be able to live without worrying about affording a doctor appointment.

    • Colour_me_triggered@lemm.ee
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      If you work in academia, you don’t need to learn a new language. English is the working language. Also the 5 weeks of holiday is nice, but what really helps is the working day.

      I started as a bioinformatician a month ago. I come in to the office at 0830 have coffee from 09:00 til 09:45 with my boss and colleagues, work a bit, have lunch from 12:00 untill 13:15, work a bit, go home at 15:30. That’s my day.

      • BigBen103@lemm.ee
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        1 year ago

        Maybe you don’t need the language for work. But you will need te learn the language eventually for other day to day interactions.

          • Colour_me_triggered@lemm.ee
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            1 year ago

            Don’t know about other countries, but in Norway you always have the option of getting websites and government information in English. Everyone speaks it including cashier’s, cleaners etc.

            The same thing is not true in Germany and Spain.

            • Redredme@lemmy.world
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              Dutchie here, we do the same. Everybody speaks (some form of) English, almost everything is also available in English.

              • Kaped@lemmy.ml
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                1 year ago

                bro youre so cosmopolitan, Im crying out so proud I am reading your comment. No countries, borders, or languages. We are all one

                spoiler

                cuck

              • Jazard23@lemmy.world
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                1 year ago

                This is true but also keep in mind that Dutch is still leading in most cases. E.g. if you have a contract that’s both in English and Dutch, if issues arise the Dutch translation will usually be the one that is followed

                • corsicanguppy@lemmy.ca
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                  1 year ago

                  Dutch is still leading in most cases.

                  Sint Maarten should check-in and tell us about the English-Dutch separation and the class system it all but foments. It’s 90% fascinating if 10% disappointing.

            • Appoxo@lemmy.dbzer0.com
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              My experience is purely based on Germany and I hate it even as a native. Plus having ADHD and paper being a chore doesnt help at all

              Also most folks (in my experience of south west Germany) of age >40-50 have little experience with English and can’t converse beyond the most basics.

            • IuseArchbtw@feddit.de
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              I would most certainly disagree that every person speaks English. Especially older people don’t, but in general many people here do not speak a good english

              • Colour_me_triggered@lemm.ee
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                No, pretty much anyone in Norway can speak English, some don’t feel confident in their ability though. But if you ask any rando on the street if they speak English you get the answer of course ".

            • ezures@lemmy.wtf
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              1 year ago

              For some reason France really doesn’t like giving english (or any other than french) options on their gov sites. Every other country in the eu are fine.

              • corsicanguppy@lemmy.ca
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                In France, I feel French is heavily a part of their identity; and contrary to Americans fairweather-jeering their best revolutionary ally, the French do not surrender lightly. It feels like that’s the one thing even the poorest French person has, and taking away one iota of that will be met with a resistance we’ve learned to respect.

            • corsicanguppy@lemmy.ca
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              but in Norway [:] English. Everyone speaks it

              Scandinavia is absolutely killing it for bilingualism, among so many other ways they’re killin’ it – no, really, other countries should just study them for clues in general. My experiences (just Sweden, Denmark and bonus Iceland, so far) is that they say Hejdo and listen for your “hello”, flipping over into beautiful and perfect English without hesitation. Their language programmes are just fucking astounding, really.

              Spain’s fine in the touristy spots, but Spanish itself is VERY accessible as a language, so it’s kinda moot like France.

              In Germany I will have to rely heavily on the kindness of strangers as I will never grok the language.

              • Colour_me_triggered@lemm.ee
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                They’re exposed to English every day from multiple sources. You aren’t allowed into university unless you can read and write English to a high level. Your text books are in English at university and classes open to exchange students are taught in English. All English media is subtitled. And school lessons in English start when they’re 6. No mystery, just practice.

      • Appoxo@lemmy.dbzer0.com
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        Work in IT.
        Start at 9:00
        Lunch 13:00-14:00
        Go home at 18:00
        Commute (if construction does not tear up the main crossing) is around 30min 1-way with bus or a 15-20min bicycle ride.

        Experience: About 5 years without college/uni.

        • nomadjoanne@lemmy.world
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          I think IT might not be as easy as you think. Academia is a bit more open.

          IT isn’t quite high skilled enough to get in. They’d almost certainly need an employer to say they couldn’t find a European to do the job, which is exceedingly unlikely.

          • Appoxo@lemmy.dbzer0.com
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            1 year ago

            I don’t know if I quite get what you are saying…
            You mean it from the perspective of a US based company?

            • sushibowl@feddit.nl
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              I think he’s saying it’s harder to get a work visa taking a job in IT, as the EU company would have to first prove that they couldn’t find a European citizen to take the job before they can start hiring foreigners.

              It hasn’t been my experience though, we hire lots of foreigners on work visas. Many from India and former Soviet countries especially.

              • nomadjoanne@lemmy.world
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                Yeah, that’s what I was saying.

                In Spain we do have non-EU people, but oftentimes they come here, live in Spain “irregularly” at some point, and then manage to get residency through means other than an employer sponsoring them. That might not be the case everywhere though.

              • Appoxo@lemmy.dbzer0.com
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                1 year ago

                I’m not in a big corp soI can just assume:
                Do some countries require to proof local citizens are not sorthy enough so you need to import work force from abroad?

        • corsicanguppy@lemmy.ca
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          Work in IT. Start at 9:00 Lunch 13:00-14:00 Go home at 18:00

          IT Job I left:

          • start at 8
          • coffee 10-1030-ish (sometimes like 11)
          • lunch at 12-13
          • second coffee 15-1530
          • leave at 1647, home by 1720 by train – tools down, muthafuckas
          • voluntary standby for 1/4 time and immediate double-time for callouts, sanctity of personal time otherwise.
          • union, 9x9 work term, no abrupt firings.
          • EXACTLY on the median base salary for my job+region, which includes dot-coms.
          • in north america, no less.

          Experience: About 5 years without college/uni.

          Experience: my soul.

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            1 year ago

            Both of y’all are melting American brains trying to do the math on figuring out what times you’re talking about.

            Most Americans have no clue that 13:00 is 1:00pm because 12+1 is too difficult, and God help you if you say 22:00, because 22-12 might as well be euclidean geometry.

      • jigsaw250@lemmy.world
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        1 year ago

        Seven hour day with an hour and fifteen minute lunch. What kind of magic is this? What’s the catch?

        • Colour_me_triggered@lemm.ee
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          1 year ago

          Those are summer hours. In the rest of the year I’ll be expected to work an additional 45 minutes. Officially we only get 30 minutes for lunch, but no-one cares. When our contact in admin is in we keep it to 45 minutes.

        • Cool Beance@lemmy.world
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          1 year ago

          Well this might be an anomaly but the company I worked for in the Philippines gave you a dedicated hour for lunch and two 15-minute breaks, plus two hours weekly for any of the workshops/learning opportunities they provide.

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      1 year ago

      just wanna be able to live without worrying about affording a doctor appointment.

      If you avoid the flatlander areas, Canada may be for you. We also speak English; just, without the accent. :-P

      (unless you live on the island that’s an hour’s ferry from France)

        • Heavybell@lemmy.world
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          1 year ago

          Or typing without a font.

          That said, I think they were having a dig at how some Americans believe they have “no accent” because they (think they) sound like movie people.

        • JusticeForPorygon@lemmy.sdf.org
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          1 year ago

          Idk I’m from the central US and I had a German foreign exchange student tell me we didn’t have a mimicable accent. I know it’s not true but it was interesting to hear that from someone who’s familiar with everyone around her speaking in a completely different way, even when using English.

          • Square Singer@feddit.de
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            1 year ago

            That’s common if you don’t know a language too well. There is the variant that you learned, and since you don’t know more, you think that this variant has no accent and all the other variants (that you didn’t learn and thus are hard to understand) you think have accents.

            Only once you spent significant time with multiple accents will you be able to pick up the differences.

    • Potatisen@lemmy.world
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      1 year ago

      Nah, man. Stay where you are, we don’t want any 'muricans (assuming you are). Fix what you have instead.

      • ParadoxPandox@lemmy.world
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        1 year ago

        We’d love to fix what we’ve got if that were a reasonable option. For most people, it’s not.

        See, politics are so broken here that it’s really just a dick measuring contest to see who can wax the best poetic. And then even when we do get a decent president—because let’s be clear, Biden isn’t a good president—they often cater to corporations long before they even think about making things better for the working people.

        At this point, fixing our political system would require either:

        1. A voting miracle, voting not on party lines but on the actual merits of the candidates, or at least voting for the actual best candidate in the primary of the “least” evil party.
        2. A revolution, either through ratification of a new constitution or actual war.

        Most people in America are too uninformed for number one to be realistic within less than an entire generation. Sure, newer generations are far more informed and are actually changing the voting landscape in some ways, but it’s not going to be enough to change everything while we’ve still got boomers voting for politicians who don’t have their best interests in mind. It will take years, if not decades, to get that far.

        Meanwhile, most people don’t want to be involved in a revolution. Even if everything is peaceful (which it likely wouldn’t be), and we’re able to ratify the new constitution without many issues (which there would be a ton of), that still leaves us with a tumultuous period of transition. Not many people would really want to live through that. I admit that most people probably would because there’s not much of a better choice during that transition, but I guarantee there would be a huge spike in emigration from the United States.

        Moving to Europe or Canada is just the best option for a lot of Americans who feel they can’t deal anymore with our broken politics, substandard workers’ rights, and/or dwindling human rights for LGBTQ people. My family has tossed the idea around of moving to Canada, since it’s close, or even Germany despite the fact that my husband and partner make decent money. We just can’t keep up sometimes, and as a polyamorous household of three AMAB people, two of whom are married, we’re worried for our rights, too.

        For most people, moving to a different country is a fresh start, and the majority of them will do their utmost to make sure they respect the country they come into. There will always be some that don’t, especially when they’re coming from a country like America, but for the most part, all we want is basic rights that other people have and not having to worry about putting food on the table some days.

        Edit: commas and grammar

        • corsicanguppy@lemmy.ca
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          1 year ago

          My family has tossed the idea around of moving to Canada

          Come to Canada! It’s 70% awesome and the rest is prairies and Republicans! Lend your income to our tax system and help out my neighbours and my family and also get some healthcare (still recovering from covid, but it’ll mend). Yay!

        • pimeys@lemmy.nauk.io
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          Too bad European countries are following the US footsteps. Finland just ousted their popular prime minister lady with a government of actual ultra right wing nazis, Germany’s AfD is gaining lots of traction and getting crazier with their conspiracy theories about great replacement, Italy is going far right too with their new government. UK and their Brexit night… At least Spain is still not having a far right party in the government, if they can form one.

  • Empricorn@feddit.nl
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    1 year ago

    As an american, who gives a shit about all that stuff when your family savings can be wiped out, home foreclosed upon, and bankrupted just because you get sick or suffer an injury!? Even if you plan and do everything right, it could still happen to you, through no fault of your own.

    So, IMO until we have universal healthcare like every other modern nation, they all beat us…