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One factor I am very surprised not to have seen thus far about taking
a much lower hourly rate "to get by."
How many job applications have you had where they request a salary history?
Or, better--how many job applications have you seen where they do
*not* ask for such a history?
Taking a low rate to make ends meet may, in fact, constrain how much
you may be offered for later gigs.
Adding insult to injury--I cannot tell you how often I was told I was
"overqualified" for a job I was applying for. Too many employers, not
taking into account that you may have had to take a substantial cut to
pay the bills, may wonder whether it was something the matter with
you--despite the economy or other considerations.
This may be especially true if you are nearing your "sell-by date"--if
you are middle aged or even slightly beyond. Younger employers seem
already to assume that older employees must have something wrong or
*surely* are not up to date from a technical standpoint.
Even in the best of times, these factors can greatly limit the choices
someone may face.
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