A recently posted job advertisement from Time Out New York highlighted the overworked everyday routine of Melissa Sinclair, an anonymous employee.

From scrambling to meet deadlines and struggling to hire suitable freelancers, Sinclair is at risk of becoming "burnt out" or wanting to leave.

Not only can Sinclair not find "good enough candidates," she has to do the missing work herself — which includes working on multiple cities. Sinclair is currently "completely swamped and overwhelmed," even with the design team chipping in and helping her.

The proposed solution highlighted in the ad — presumably a private message between two employees — is to hire a full-time photo editor instead of relying on fickle and uncertain freelancers.

Of course, the Internet had a field day — Twitter users even got the hashtag #GiveMelissaARaise trending along with memes and gifs depicting the situation. Since then, the original posting on Indeed has been taken down.

It's all fun and games when we're looking at the situation from the outside.

But what about the actual day to day life of Sinclair? Being overworked and stressed can have damaging effects to your health — sometimes even risking your life.

According to a number of different studies, overworking and stressing can accumulate to various health problems such as trouble sleeping, depression, alcoholism, diabetes, heart disease and impaired memory.

Recent studies have also suggested that overworking might be a factor in approximately 120,000 deaths a year.

If you're stressed out all the time or always dreading the work day, I've got some bad news for you — you're on the fast track to burning out.

Instead of trying to keep up with your current lifestyle, take a breather and rethink your commitments.

Reevaluate your expectations — you're not always going to accomplish those enormous goals you set for yourself and that's okay. Learn how to say no to certain assignments that are unnecessary or will add too much to your workload.

Take vacation days — don't save up all your vacation days until the very end. Space them throughout the year and use them to develop your interests and hobbies. Or just go to the beach!

Don't compare yourself to others — sure, Margaret from the next office over can do a little more than you. But does she have the same lifestyle as you? The same commitments? Realize that everyone is different and it's okay to not have the same accomplishments as everyone else.


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The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

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