i like how the us military makes cost of living adjustments. you have your base pay determined my your rank which is not adjusted by where you live. in addition to that you get a housing stipend (BAH and BAS) that is adjusted by where you live. if i remember correctly the housing stipend is before tax.
google is essentially forcing a pay cut to your base salary in addition to the portion of your salary you use for housing.
imo the granny smith is the all time worse apple. always taste like a green apple (not trying to be ironic) and usually has a thick skin. just plain terrible might as well pick any apple variety before it is ripe.
if you want a good green apple buy a newtown pippin.
the problem with golden delicious is that you need to eat them within 3 days of when they are picked. a good golden should have a thin skin, be sweet, and crisp.
i think part of the problem is that farmers pick them to early so your usually getting an green golden that has rotted a bit to turn yellow.
not sure you are aware of this but you can contribute to a SEP IRA[0]. this has a lot of advantages over contributing to a normal ira. in my experience you can contribute more than you usually can in a 401k since most employers do not let you contribute after tax.
google is essentially forcing a pay cut to your base salary in addition to the portion of your salary you use for housing.