Search found 184 matches

by Broadway2018
Sun Jan 20, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

I did something similar to you two years ago. I gave up a 100% WFH position and took a position that required me to commute 36 miles each way against traffic which took about 45 min. The job was easy and I've managed it to a point where I literally reviewed some e-mails and attended meetings in the...
by Broadway2018
Sun Jan 20, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

Thank you everyone for the great advice! I am going to wait for the final job offer this week and see what they say about working from home 2 times a week. Also, given the transportation costs, I am going to ask 16% more base. I don't want to come off as greedy, but definitely, need to cover my expe...
by Broadway2018
Sun Jan 20, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

My gut is that the commute, even without kids, is too much of a downside. I have no idea where you are in the negotiations, but one may consider giving a no-brainer # like $200+k that you'd definitely take (if they were to offer that). Or convert that bonus into base. Or a combination of both. Work...
by Broadway2018
Sun Jan 20, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

If the new job appeals to you, just move near it so you will have a short commute. My SO works 40 minutes in the other direction and we own a house. We did talk about moving, but that would be at least 1-2 years so I could feel out if I would stay there long term. Also, I should add that I don't li...
by Broadway2018
Sun Jan 20, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

- Looking to leave because I don't like my current work or team - Interviewed internally and have had no luck moving teams ..... Any job I took around where I live would be a 45 minute or so commute regardless. If you don't like the team they likely don't like you either. If you don't like the work...
by Broadway2018
Sun Jan 20, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

That commute sounds like a non starter to me. Not even the time and hours in the car, think about the mileage that will pile up quickly. Lots of increased costs of gas and car maintenance/replacement. I calculated about $8k in costs. However, am trying to think about future potential in my career a...
by Broadway2018
Sun Jan 20, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Re: Evaluating Job Offer - Longer Commute

If the new job appeals to you, just move near it so you will have a short commute. My SO works 40 minutes in the other direction and we own a house. We did talk about moving, but that would be at least 1-2 years so I could feel out if I would stay there long term. Also, I should add that I don't li...
by Broadway2018
Sun Jan 20, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1770

Evaluating Job Offer - Longer Commute

I received a semi-verbal job offer (they are still getting approvals, but gave me some of the details) for a great opportunity and am trying to think about if it is worth it. Some background on each company below. I am having trouble deciding if the commute is worth it. I think I would like the work...
by Broadway2018
Tue Dec 04, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

So they emailed me back and what to have a call with the CEO, the hiring manager, and myself in 3 days. Not sure what to think or prepare... Across all the various threads (not sure why you keep starting new ones), you have honestly come across very unprepared and wishy-washy. Just my opinion, take...
by Broadway2018
Mon Dec 03, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

So they emailed me back and what to have a call with the CEO, the hiring manager, and myself in 3 days. Not sure what to think or prepare... Across all the various threads (not sure why you keep starting new ones), you have honestly come across very unprepared and wishy-washy. Just my opinion, take...
by Broadway2018
Mon Dec 03, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

So they emailed me back and what to have a call with the CEO, the hiring manager, and myself in 3 days. Not sure what to think or prepare...
by Broadway2018
Mon Dec 03, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

Thank you, everyone, for the feedback! I greatly appreciate it. I sent back an email and everyone was right. They are asking for a specific number. I am just going to throw it out there and hope. The benefits I currently have are great, however, 30-40% more pay could help me get set up. I am in my 3...
by Broadway2018
Mon Dec 03, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

IMHO, if you just state what you would like using "I-statments" (statements that are all about you) with some explanation, you should be able to do it without it being offensive. Something like, "Given the risk that I perceive in being in a small company, I would not be comfortable moving (or it wo...
by Broadway2018
Sun Dec 02, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

23% raise, especially from a "small company" - is pretty big. Dreaming of a 30% SALARY raise, especially from a smaller company, and especially if you are -not- a senior executive level position, is just simply unrealistic unless you are truly really underpaid or a 10x coder. So perhaps you set too...
by Broadway2018
Sun Dec 02, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Re: Megacorp vs Small Company

regularguy455 wrote:
Sun Dec 02, 2018 8:20 pm
If the small company doesn’t offer equity, this seems like a no brainer.
No equity. I know I am not taking the offer as is. Should I decline with no counter? I have never turned down a job offer and don't want to offend them or burn any bridges.
by Broadway2018
Sun Dec 02, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1993

Megacorp vs Small Company

I posted this last week, however, I now have an official job offer. They are about 30% below where I would accept the offer and I am not sure if I should just decline it. I doubt they will come up 30% and I don't want to offend them. Any ideas on how to respond to the offer? Below are the details. M...
by Broadway2018
Fri Nov 30, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

You asked for 30% more and they gave you 23%? I’d count that as a win. Do you like the team? Does your new manager seem flexible on WFH? If so I would do it. My concern is the bonus is not guaranteed, so I was hoping for 30% more base. I am not sure 8% more base warrants giving up benefits and wfh....
by Broadway2018
Fri Nov 30, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

Update....

They came back at only 8% more base salary, but 23% more total compensation which includes a bonus. Also, bumped up PTO to match my current. However, other benefits are less. I am wondering if I should counter or decline...Thoughts?
by Broadway2018
Wed Nov 28, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

Update...

So I have avoided giving a specific number, however, they keep asking. They are flexible on work from home. Should I just throw out a number?
by Broadway2018
Wed Nov 28, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

To give an update, I emailed them back and asked about working from home. If I could work from home 2 days a week and go to the office 3 days, then it would make it more tolerable. Working from home 100% is isolating even though it does give you a lot of flexibility. I think somewhere in the middle ...
by Broadway2018
Tue Nov 27, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

Hypothetically, how do I value the following? At this point leaning towards not taking it or even trying because I would have to ask for a lot more money to compensate. Am I thinking about this right? I have only worked at megacorps and usually, I look up salary on google prior to even applying to ...
by Broadway2018
Tue Nov 27, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

stay are current job.... you are paid well and work from home..... why give that up? Who cares if you don't feel like you add value or not. New company you could get paid less, have to commute, maybe you feel like your adding value and small company goes bankrupt and you are unemployed.... then how...
by Broadway2018
Tue Nov 27, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

If a company needs someone in demand with desirable skills they need to pay competitively or offer something else that makes up for less compensation. There are lots of companies with 200 people or fewer where the owner makes more than the CEO of a Fortune 500 company with 10,000+ employees. Don’t ...
by Broadway2018
Tue Nov 27, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Re: Small Company- Negotiating Compensation

Deleted since I added to the initial post to make it easier to read
by Broadway2018
Tue Nov 27, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2270

Small Company- Negotiating Compensation

I currently work at a Megacorp and am paid fairly well and have great benefits (work at home, pension, etc.). I am looking to move companies because I don't really feel that I do a lot of "value add" work during my days. Anyway, I am in final interviews with a very small company (roughly 200 people)...
by Broadway2018
Mon Nov 19, 2018 12:53 pm
Forum: Forum Issues and Administration
Topic: Change Username
Replies: 18
Views: 9719

Re: Change Username

Anyone know if you can still change your username? Or should I setup a new account?

Thank you!
by Broadway2018
Mon Jul 02, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Re: Pay Off Debt or Max Out 401k?

Thanks everyone for the comments! I am going to reduce to my match and take the difference to pay off the debt faster!
by Broadway2018
Sun Jul 01, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Re: Pay Off Debt or Max Out 401k?

CyclingDuo wrote:
Sun Jul 01, 2018 9:06 pm

Absolutely!

Do you know what the interest rate jumps to come January for the debt?
I can do another balance transfer at 0% and the cost is 3% fee. I calculated this would be around $300 in January and give me another 12-18 months depending on terms.
by Broadway2018
Sun Jul 01, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Re: Pay Off Debt or Max Out 401k?

Should I pay off debt or continue to max out my 401k? I have $29k on 0% interest CCs, however, will have to do a balance transfer in December 2018 on whatever I do not pay off. I plan on still having about $10-12k to go by then. Would you stop contributing to 401k to pay off this debt sooner? I am ...
by Broadway2018
Sun Jul 01, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Re: Pay Off Debt or Max Out 401k?

With that much debt, I’d limit the 401(k) contribution to enough to get the employer match and use the rest for debt repayment. ^^What delamer said. I have $29k on 0% interest CCs, however, will have to do a balance transfer in December 2018 on whatever I do not pay off. I plan on still having abou...
by Broadway2018
Sun Jul 01, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Re: Pay Off Debt or Max Out 401k?

With that much debt, I’d limit the 401(k) contribution to enough to get the employer match and use the rest for debt repayment. The 28% bracket is gone effective this year. You now are probably in the 24% bracket. So does it really make a difference for the tax brackets? No matter what I won't be a...
by Broadway2018
Sun Jul 01, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 17
Views: 1657

Pay Off Debt or Max Out 401k?

Should I pay off debt or continue to max out my 401k? I have $29k on 0% interest CCs, however, will have to do a balance transfer in December 2018 on whatever I do not pay off. I plan on still having about $10-12k to go by then. Would you stop contributing to 401k to pay off this debt sooner? I am i...
by Broadway2018
Thu May 31, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2188

Re: Another Car Keep/Buy Question

Thought I would update. So turns out I am $4k underwater. Carvana will give me $26,200 for my car and if I trade it, I at least don't pay taxes. They have a 2015 Subaru Legacy w/ eyesight w/ 53k miles and are asking $16k. Out the door and delivered I would be at $19k versus the $30k I currently owe....
by Broadway2018
Mon May 07, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2188

Re: Another Car Keep/Buy Question

I leased a new 2017 Subaru Outback Limited w/ Eyesight and Nav for $360 a month. I have 2 years to go on the lease and my buyout now is $30k and carmax offered $27,500. ...I am considering trading it in for a certified luxury sedan (Lexus or Acura), or a Toyota Camry/Avalon V6. These can all be fou...
by Broadway2018
Sun May 06, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2188

Re: Another Car Keep/Buy Question

You did not specify the residual/purchase value at the end of the lease. You would want to compare that with the cost of a different car with unknown history. Also, Subaru does not make a V6; they offer a flat or horizontially opposed 6-cylinder engine. Also, do you need all-wheel drive or not? The...
by Broadway2018
Sun May 06, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2188

Re: Another Car Keep/Buy Question

I'd suggest or in fact advise dumping your auto and its current debt&lease contract and finally realize ALL vehicles do in fact continuously cost money. How much is up to you! There are many variables. Fuel costs you consistently, maintenance & repairs for new autos cost more than older autos, (iir...
by Broadway2018
Sun May 06, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 2188

Another Car Keep/Buy Question

I have received a lot of good advice on these forums and learned a lot about saving/investing. I made a stupid decision last year and did not take the advice of sticking with my current car. I leased a new 2017 Subaru Outback Limited w/ Eyesight and Nav for $360 a month. I have 2 years to go on the ...
by Broadway2018
Fri Apr 13, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Re: Financing Grad School + Debt Question

. . . (T)his is not so she can advance per se nor would she get more money. She works in education and has had the same job for 10 years. She has no intention of switching careers, however, many of her peers have a masters or Phd so she feels behind. This puts things in a slightly different light. ...
by Broadway2018
Fri Apr 13, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Re: Financing Grad School + Debt Question

I'm not really seeing how this is your problem, tbh. And it doesn't quite sit right. You have more debt, both dollar amount and as a percentage, than she does or will, makes less than you, and pays half the shared expenses? Are you OK if she turns around and says, "OK. I make 90K and you make 130K....
by Broadway2018
Fri Apr 13, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Re: Financing Grad School + Debt Question

Just my opinion... Getting a grad degree that is fully or partially reimbursed by an employer sounds to me like a really, really good investment. Presumably, the employer would not be paying if they did not see some benefit, which on the face of it makes it seem as if they are likely to retain and ...
by Broadway2018
Fri Apr 13, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Re: Financing Grad School + Debt Question

Grad school isn’t always a source of debt like undergraduate education. There tend to be assistantships for helping out with teaching duties of professors or be a part of their research. The latter tends to help with your academics and thesis/dissertations as well. These assistantships pay a modest...
by Broadway2018
Fri Apr 13, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Re: Financing Grad School + Debt Question

What is the problem with putting it on the credit card and then getting it reimbursed? Alternatively, does she have an emergency fund she can use to pay cash until the reimbursement arrives? Is her $10K debt on credit cards charging interest? $2K or so shouldn't be a big deal to someone who is maki...
by Broadway2018
Fri Apr 13, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Financing Grad School + Debt Question
Replies: 19
Views: 1032

Financing Grad School + Debt Question

What to figure out if I am crazy with my thinking or being unsupportive. My fiance (we are both women) wants to go back to school this year. Her company will pay about 50% of the cost, however, she has to submit for reimbursement for each class. Background: We do not share our income and each pay 50...
by Broadway2018
Wed Apr 11, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16224

Re: Ivy school education. Is it worth it?

It's about leverage, rather than naiveness. The kids with Harvard degrees are asking for Volleyball time because they have leverage, not because they don't know it's ridiculous. If you don't hire them, someone else will. That's power, and it comes with an Ivy degree. When you have an Ivy degree, yo...
by Broadway2018
Wed Apr 11, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16224

Re: Ivy school education. Is it worth it?

I read some of this post, however, not every comment. I am following this because I find it very interesting to hear the perspectives. I went to a state school for both undergrad and post grad programs. I have a great job and work at one of the top 10 companies globally. However, I have bounced aro...
by Broadway2018
Wed Apr 11, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 16224

Re: Ivy school education. Is it worth it?

I read some of this post, however, not every comment. I am following this because I find it very interesting to hear the perspectives. I went to a state school for both undergrad and post grad programs. I have a great job and work at one of the top 10 companies globally. However, I have bounced arou...
by Broadway2018
Mon Apr 09, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1877

Re: Posting My Expenses for 2018...

What does this mean? Both do $18.5k into 401k? How about his/her backdoor Roth and his/her megabackdoor Roth? If you're doing all of that, you could be putting $121k into retirement accounts. His/her HSA = $3,450 each (since not MFJ), is another $6,900. If you both have 457b accounts available, tha...
by Broadway2018
Mon Apr 09, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1877

Re: Posting My Expenses for 2018...

Personal care is high. Therapy is generally medical not personal care. Travel per month is way high Gifts are high Groceries plus restaurant are high. This is just 3 months of data, so travel and gifts will go down over the remainder of year. I am not sure how others do groceries cheaper. I frequen...
by Broadway2018
Mon Apr 09, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1877

Re: Posting My Expenses for 2018...

MnyGrl wrote:
Mon Apr 09, 2018 1:57 pm
Is the 35K credit card debt or something else?
It is something else and I rather not go into great detail...I had a rough year. My father was dying and I had to take care of my mom and other medical expenses. The $35k is at 0% until January 2019.
by Broadway2018
Mon Apr 09, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Posting My Expenses for 2018...
Replies: 23
Views: 1877

Re: Posting My Expenses for 2018...

Are you posting to see how you can cut back? If so that’s easy. What I would recommend though before I begin is to have a job for the fat you trim off, either savings, mortgage prepayment, car prepayment, wedding fund or mega vacation fund. Groceries are not too bad but there is some room for impro...