I applied for a copywriter job through an agency in Texas. It is for a contract job with a digital bank. I'm well qualified for the job.

It didn't say anything about the job being remote or not, but I figured I'd submit my resume anyway.

The recruiter emailed me this morning, wanting to schedule a time to talk today, so we agreed on 10 am. Shortly after that she called me and said she needed to move things around and could we do it at 1:15 pm EST, and I agreed.

After that, she never called me back or responded to my email or phone message, but I mean, really? How unprofessional. It only takes a minute to send an email to let someone know you won't make it.

Strangely, the recruiter sent me their 25-page info book on their benefits for contract workers. We haven't even discussed the job yet, so I thought this was strange, but I must admit that the benefits look very good and I would love to take advantage of them, namely the health insurance. The recruiting company chips in a fair amount of the premium, provided you are working 40 hours, so I'd be paying about $165 a month for a Cigna plan (3 choices, this one's the cheapest), plus the dental looks very affordable as well. They use a sliding scale so if you work less 40 hours, the recruiter still kicks in something for your health premiums, but it's less. The insurance will lapse if you work less than 20 hours a week.

They also have a flex spending account and a 401k thru Fidelity. I would skip the dental benefit becus while it's cheap while you're working, once i went on COBRA it would be rather pricey at $45/month, and I usually only get 2 annual cleanings. I would also skip the FSA account becus their minimum contribution is $1,000 a year, and I don't even spend that much on co-payments.

I WOULD definitely go for the 401k since I'd want to sock away oodles of money in a Roth 401k if they have one.

The booklet she sent is for 2015 benefits; I assume rates have risen since then; i don't have any idea why she didn't send me 2017 booklet.

I'd like to get on the plan because not only would it save me $200+ a month on health insurance, but it would allow me to re-start the clock on COBRA whenever I left that job. So I'd have another 18 months of coverage compared to the 11 I have left now with my last employer.

However, I'm left to wonder if this woman noticed I live in CT. She read my resume so I guess she knows. But we haven't even talked about the job yet. Kind of mixed up. Cart before horse.

So I've wasted my whole day waiting around. I wanted to go food shopping today but I won't be anymore and will have to wait til Tuesday since i like to avoid the weekend crowds and Monday may be a holiday for some.

I'll be working this weekend on the 2nd story for the personal finance website. Want to finish it before I get the next school assignment. Perhaps it would be possible to juggle both jobs; I'm not sure I'll stick with the personal finance one yet. Not enough $$. Subject of this one, which I've committed to: Growing trend of HR of larger companies offering financial education as an employee benefit. Not just 401k/retirement advice, but everything: paying for college tuition, everyday money management and so on. This one will be easy compared to the first one.