Search found 118 matches

by oilrig
Wed Aug 14, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5408

Re: "Negotiating" Salary

A lot of the negotiating methods listed above would scare off potential companies, recruiters, and hiring managers. Playing coy about your desired salary will only make you come across as difficult and indecisive, also potentially not interested in the job. I think being upfront and honest in the re...
by oilrig
Wed Aug 14, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5408

Re: "Negotiating" Salary

Im an HR Recruiter and have worked at several mega-corp fortune 500's. We ALWAYS try to get the candidate's salary expectations before setting them up for an interview. I dont care if they tell me their current salary or what range they're looking for, we just need something to go off of to make sur...
by oilrig
Fri Aug 09, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Best way to regularly (auto) e-Transfer funds to someone else’s bank account?
Replies: 16
Views: 981

Re: Best way to regularly (auto) e-Transfer funds to someone else’s bank account?

I use Venmo a lot to send money to friends and family. Very easy to use, no fees, no issues so far!
by oilrig
Thu Aug 08, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 41
Views: 784

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

It has been so frustrating trying to fund these accounts. Simple has a $5k daily limit on transfers, and it takes forever for funds to show up in the account after submitting a transfer. Its taken almost 2-3 weeks trying to transfer $20k into the necessary accounts. Such a pain! Not sure if you kno...
by oilrig
Thu Aug 08, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 41
Views: 784

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

It has been so frustrating trying to fund these accounts. Simple has a $5k daily limit on transfers, and it takes forever for funds to show up in the account after submitting a transfer. Its taken almost 2-3 weeks trying to transfer $20k into the necessary accounts. Such a pain!
by oilrig
Thu Aug 01, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14903

Re: Why won’t anyone hire me?

Is it possible that your career and area of the country has affected this view and it would be quite different for someone else? Most people I've talked to have similar stories. Temp agencies are the employer of last resort. The big thing now is they try to sell their crappy jobs as temp-to-hire th...
by oilrig
Wed Jul 31, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 9701

Re: Ethics of "bonus payback" when quitting a job

His current job will likely garnish his last paycheck to help pay back the loan and after that he's a free man. Most companies won't go after people for things like this, it just isn't worth their time. This is not accurate. Almost every company I've worked for (large and small) has gone after thos...
by oilrig
Tue Jul 30, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 9701

Re: Ethics of "bonus payback" when quitting a job

Here's my experience with leaving one of the big consulting companies. I had a signing bonus which I was supposed to return if I left within a year of starting. I gave my notice six months after starting the job. I was leaving because the job wasn't what I'd been hired to do (literally they had me ...
by oilrig
Thu Jul 25, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Any good free money promotions from a bank or brokerage this month? (July 2019)
Replies: 7
Views: 1164

Re: Any good free money promotions from a bank or brokerage this month? (July 2019)

I just signed up for a Citi bank bonus that seems to be better: $400 for depositing $15k for 60 days, an additional $100 for 2 direct deposits = $500 total. Im pretty sure its a high yield (2.15%+) account as well. I signed up for a similar offer with Chase earlier this year ($500 for $15k and direc...
by oilrig
Wed Jul 24, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2941

Re: Do I need a transaction free credit card for Ireland?

Every time I traveled overseas I would stop at a big bank's ATM and withdraw around $100 USD equivalent just to have for various expenses. However, one time in Istanbul I withdrew some money at a big bank's ATM (I believe HSBC), and I unknowingly received a counterfeit bill. I believe it was around ...
by oilrig
Mon Jul 22, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8169

Re: When family members fight over the check when out to eat

We sometimes have this drama at family dinners. What REALLY bothers me, however, is when the plan is to split the dinner two ways, but when the bill comes I pull out a credit card and the other guy hands me cash...C'mon, man! I get stuck with the whole amount on my credit card and cash in my wallet...
by oilrig
Mon Jul 22, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8169

Re: When family members fight over the check when out to eat

We sometimes have this drama at family dinners. What REALLY bothers me, however, is when the plan is to split the dinner two ways, but when the bill comes I pull out a credit card and the other guy hands me cash...C'mon, man! I get stuck with the whole amount on my credit card and cash in my wallet...
by oilrig
Mon Jul 22, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8169

Re: When family members fight over the check when out to eat

We sometimes have this drama at family dinners. What REALLY bothers me, however, is when the plan is to split the dinner two ways, but when the bill comes I pull out a credit card and the other guy hands me cash...C'mon, man! I get stuck with the whole amount on my credit card and cash in my wallet...
by oilrig
Wed Jul 17, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 32521

Re: Millionaire by 40 and How you Did it?

I think one of the key things to point out is that most people who responded here are dual-income households, with both spouses working, and both have a semi high income. That seems a bit unfair to me since its obviously much easier to achieve a million dollars net worth by 40 with two people contri...
by oilrig
Wed Jun 19, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 93
Views: 8361

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

A few years ago I read an article or headline that said the average millionaire has 7 sources of income. For some reason that always stuck with me, and I made it my goal to have 7, or as many sources of income as I possibly could. Im 34 years old, and usually have around 4-5 different sources of in...
by oilrig
Wed Jun 19, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 93
Views: 8361

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

A few years ago I read an article or headline that said the average millionaire has 7 sources of income. For some reason that always stuck with me, and I made it my goal to have 7, or as many sources of income as I possibly could. Im 34 years old, and usually have around 4-5 different sources of inc...
by oilrig
Tue Jun 04, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 7162

Re: Tell us your side hustle success stories.

I've had a lot of different side hustles throughout my 9 year professional career. Ive done a little bit of everything: bartending, waiting tables, passing out fliers for marketing companies, promotions, helping out a friend with his photography business, uber, focus groups. The ones that have stuck...
by oilrig
Thu May 16, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4306

Re: Reservations about job offer

This exact same situation happened to me. I was interviewing for a Lead/Manager role for a semi new "startup" company. I was an individual contributor at the time and looking to get into management. When I received the offer they basically said that I would start out as an individual contributor and...
by oilrig
Mon Apr 29, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3825

Re: Daughter's First Job

I read something recently that made a lot of sense for people taking their first job out of college. Go big! Work for the biggest, most prestigious company you can right out of college (think fortune 10-100 companies). The major advantage of being able to put that company on your resume/Linkedin, AN...
by oilrig
Wed Apr 10, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 5851

Re: Not much work at new megacorp job

You might just be really fast and efficient at doing your job compared to others on your team. I have had this predicament my entire career, I could finish all my work in a few hours while my coworkers were always complaining about how "swamped" and busy they were. Meanwhile they were the ones takin...
by oilrig
Wed Apr 10, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3664

Re: Is a work-at-home job have the same expectations as the office job?

I work from home full time and there are pros and cons as stated above. I love having the flexibility to work when/where I want. Also, being able to run errands during the day or do household chores is awesome. However, since my team is scattered remotely across the US and my customers are in Califo...
by oilrig
Thu Feb 21, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 404
Views: 53172

Re: Losing a job in your 50's...

I was surprised at how many older folks I worked with when I worked in oil and gas. I worked with people in their 60's that could have worked for as long as they wanted. I think its one of the few industries where experience is truly valued.
by oilrig
Wed Jan 23, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a Year Off
Replies: 36
Views: 3893

Re: Taking a Year Off

It all depends. Whats your current net worth? Do you work in a high demand career/industry? How sure are you that you or your wife will be able to find a job a year after returning? The best ideas Ive seen from people have been: Ask your current company for a sabbatical. See if you can pick up some ...
by oilrig
Wed Jan 23, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9662

Re: Need Advice - quit 6-figure job to do coding school?

You're late 20's and making $250k in a chill job, I would stay put if I were you! You have only been at your company for a few months, why don't you give it a year and reevaluate then. As someone who was in your shoes and quit a high paying job after a few months, trust me the grass isn't always gre...
by oilrig
Wed Jan 23, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What is Considered Middle Class?
Replies: 36
Views: 3235

Re: What is Considered Middle Class?

My situation: I am early 30's, single with no kids, make around $130-140k/year in a MCOL city, no debt, $500k net worth, live in a cheap studio apartment, and save/invest around $5k per month. At my current stage in life I feel rich(ish): I can basically spend whatever I want, travel wherever/whenev...
by oilrig
Wed Jan 23, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC Bonus offer $350 for $10000?
Replies: 6
Views: 672

Re: HSBC Bonus offer $350 for $10000?

I signed up for this yesterday thinking what a deal. However, I should have read the doctor of credit reviews before signing up. Looks like many people are complaining about horrible customer service, months to get approved, jumping through hoops (having to go in the bank to verify identity, home ad...
by oilrig
Sat Jan 19, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 12778

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I like air bnb’s primarily because of the access to a kitchen with a stove and pots/pans. This allows me to cook for lunch and dinner for a few days while on vacation, which is a huge cost savings compared to eating out everyday. I usually will cook lunch and then eat out for dinner, or do some comb...
by oilrig
Tue Dec 04, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3370

Re: What to negotiate in offers

If I were in your shoes I would ask if there's anyway they can do a sign-on bonus to make up for the loss of pension and 401k match that you currently receive. If you are already receiving a sign-on bonus then shut up and accept it!
by oilrig
Tue Dec 04, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Trade-off: stability for money
Replies: 8
Views: 773

Re: Trade-off: stability for money

I can totally relate to you, as I was in a similar situation a few years ago. I took a work assignment in rural North Dakota when I was 29 years old, in exchange for all expenses paid (rent, car, food etc) and very high income. I took a huge hit in my personal life since I was single and knew nobody...
by oilrig
Wed Nov 28, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3634

Re: How do value the cost of commuting?

OP, I was basically in your shoes earlier in the year. I left a a really good and stress free megacorp job (with a 1/2 mile commute), for a higher paying job and much longer commute (about an hour). The pay raise was about $25-30k more and the job seemed like a really good fit for me at the time. It...
by oilrig
Mon Oct 01, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Salary negotiation: saying a number first on purpose?
Replies: 43
Views: 4258

Re: Salary negotiation: saying a number first on purpose?

I work in HR and deal with external offers everyday. The problem with stating a number that’s too high is you could accidentally price yourself out of a job. If you’re making $80k, the new company is willing to pay $100k max, but you tell them you want $150k, then the company will just say Nevermind...
by oilrig
Fri Aug 24, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1887

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gr...
by oilrig
Fri Aug 24, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1887

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gre...
by oilrig
Mon Aug 20, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 15907

Re: As an American, where are some great places in the world to retire?

My plan is to retire in San Juan, Puerto Rico where I’m originally from! Lots of pros for American retirees: Part of the US, English is widely spoken, US dollar, Direct flights to most major US cities, no passport required for people to visit you, cheap housing (plenty of $100k beach condos and dir...
by oilrig
Thu Aug 16, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 15907

Re: As an American, where are some great places in the world to retire?

My plan is to retire in San Juan, Puerto Rico where I’m originally from! Lots of pros for American retirees: Part of the US, English is widely spoken, US dollar, Direct flights to most major US cities, no passport required for people to visit you, cheap housing (plenty of $100k beach condos and dirt...
by oilrig
Tue Aug 14, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection (UPDATE)
Replies: 25
Views: 2665

Re: Using Uber Without A Cellular Data Connection

I’ve done this exact same thing in Buenos Aires, Santiago, and Río de Janeiro. I’ve used Uber exclusively to get around South America and I just whatever WIFI signal I have from the air bnb, airport, hotel, restaurant, bar etc. Just be sure to stay in the WIFI area until the Uber arrives, then track...
by oilrig
Tue Aug 07, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: February warm weather vacation
Replies: 19
Views: 1814

Re: February warm weather vacation

Puerto Rico is fine to visit. I was there in January and it was fine then. It’s even better now, and for the most part you won’t be able to tell that there was a major hurricane last year. My mom was there a few weeks ago and she had an amazing time. It’s not the complete catastrophe that the media ...
by oilrig
Sun Aug 05, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: February warm weather vacation
Replies: 19
Views: 1814

Re: February warm weather vacation

You could go anywhere in the caribbean on that budget. I suggest Puerto Rico, USVI, or BVI. Or you could visit all 3 in one trip and go island hopping :) You can find lodging for $100/night or so and the meals wont break your bank. Trust me, you will have a much better time hanging out in the caribb...
by oilrig
Mon Jul 30, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 43
Views: 3447

Re: Best BBQ in San Antonio

Drive down about 60 miles from San Antonio to Lockhart, TX. It’s the capital of BBQ in Texas. Take your pick: Smittys, Blacks, Kreuz Market.
by oilrig
Mon Jun 25, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I could get another job very easily with my experience and connections, but Im afraid that the same thing will happen and I will be unhappy and want to quit. Then perhaps you shouldn't be tying your happiness to your work. If you continue to do so, chances are good that you'll never be happy, regar...
by oilrig
Mon Jun 25, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Quit your job and buy a plane ticket to Thailand. Live in a straw hut on the beach for $8 a day. I recommend Koh Chang. Come back and get a job again when you feel like it. I'm not joking. I love your suggestion and its very tempting! Is that something you have done in the past? Another thing that ...
by oilrig
Mon Jun 25, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Thanks everyone for the replies! My plan for now is to try and stick it out until the end of the year so I can collect on the bonus and RSU payout. Meanwhile I will keep saving aggressively and adding to my stash. Also, if things don't improve I plan to have a talk with my boss and see if we can co...
by oilrig
Sun Jun 24, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Does your manager have a reputation to be a micro manager with everyone or just you? If it’s just you there may be something you’re missing about yourself. Yes, as I’ve gotten to know the team they all don’t like her and it has created a very toxic work environment. She is very demeaning and condes...
by oilrig
Sun Jun 24, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Thanks everyone for the replies! My plan for now is to try and stick it out until the end of the year so I can collect on the bonus and RSU payout. Meanwhile I will keep saving aggressively and adding to my stash. Also, if things don't improve I plan to have a talk with my boss and see if we can com...
by oilrig
Sat Jun 23, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I apologize if I didn’t answer any other specific questions. But I work in the corporate office in a support function role (think IT, HR, finance etc). Also in my early 30’s.
by oilrig
Sat Jun 23, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Also, I do not plan on putting these short term stints on my resume. If I take a sabbatical then I will try and find some consulting/part time work that I could put on my resume and bring in some extra income. I know I sound overly optimistic and I need to think about worst case scenarios, but I thi...
by oilrig
Sat Jun 23, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

In first blush, I don't like it. Bouncing around too many times with or without a "sabbatical" will make you look unprofessional. You must stay on a steady and sure plan if you want to save that 5+ mil. I am okay with finding a different job if you KNOW you can live with it for a few years, but it'...
by oilrig
Sat Jun 23, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

I'm not sure what to tell you. Did you like the first job of 4 years? Any chance to go back? Thanks for your comments and advice. Yes, I did like the job of 4 years, it was a big oil company so we had major layoffs the past few years as a result of the oil downturn. I would have stayed but there wa...
by oilrig
Sat Jun 23, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 7395

Career Burn Out: Should I quit high paying job and take a sabbatical?

I am looking for advice or suggestions on what posters would do in my situation. For background purposes: I am early 30's, single, no kids, no debt and $460k net worth (The majority is liquid in taxable account: 3 fund portfolio, some individual stocks, and cash). So here's my situation; I am pretty...
by oilrig
Mon Jun 11, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 4055

Re: The effect of a difficult last name on employment prospects...

I will add my 2 cents. I have an extremely foreign and difficult sounding first and last name (Latino). I usually go by my nickname which is my first and middle initials, but I put it in parenthesis in my resume and email signature, and always include my hard to pronounce first name. I have switched...