Search found 20 matches

by 06Dodgers
Tue Apr 24, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

They offered you nearly $100k total comp. I’m not sure what is wrong here. And you countered their counter with a difference of about $1K in total comp. As a hiring manager I would have walked. +1 see below I spoke with the recruiting agent's manager who stated that my experience was a little below...
by 06Dodgers
Tue Apr 24, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

For those asking what I do. I have 5 years experience and work in the finance planning department. I build an operating plan for expenses and analyze it to look for cost savings. Then every month check to ensure everything is on track. It's basically a budget analyst with a reporting component.
by 06Dodgers
Tue Apr 24, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

There is no rule here and nobody's right or wrong. Also each case is different - so what you learnt here is not going to apply to some other offer. Everything is based on need. Whichever party needs the other party more will be the more flexible one. Forget about this and look for something else. I...
by 06Dodgers
Tue Apr 24, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 99
Views: 15955

Re: What online bank do you use?

I use Chase bank. I know they are not an online bank, but I have never been charged a fee in 2 years of banking with them. I keep a modest 1k balance, the rest is in Barclays Online Savings earning 1.5% APY. Love both and both are really easy to use. I especially love Chase app for depositing checks...
by 06Dodgers
Tue Apr 24, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1886

Re: Job Interview - Send follow up email?

Not that it happens frequently, but I have seen candidates interviewed for positions that were not yet fully approved. An example would be to replace an employee that has announced their retirement or a position that was approved for the next fiscal year. Departments frequently get trigger happy and...
by 06Dodgers
Tue Apr 24, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

Thanks all! I have a few take-aways from all the advice above. First off, I should have negotiated with the company directly. When my recruiter first gave me the verbal at 85/12.5 and I asked for 92 he was extremely confident I would get it having just spoken with the company himself. I think based ...
by 06Dodgers
Mon Apr 23, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

At 85k the increase in take home would have been offset with the increased commute. I was really negotiating to make it somewhat reasonable for me assuming no bonus. I really like the company and while the difference between 85 and 88 seems small, that was enough to get a small bump in take home. I ...
by 06Dodgers
Mon Apr 23, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

It seems the third party recruiter offered the salary range and not the company directly? Or am I reading that wrong? Then in negotiations the third party recruiter could only get so much for you? Negotiating for 4k overall between offers isn't a whole lot. As long as it was a 10-15% base from your...
by 06Dodgers
Mon Apr 23, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Re: Salary Negotiation gone sour

I was looking to accept a slightly lower rate than expected due to higher advancement opportunities at the company vs mine.
by 06Dodgers
Mon Apr 23, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11316

Salary Negotiation gone sour

So I am going to write out the timeline of what happened and am curious what the community thinks. I got an email from a 3rd party recruiter for a Sr. Analyst role at a company making up to 100k. This would represent a decent jump from my current role and I pursued the opportunity. I spoke with the ...
by 06Dodgers
Mon Apr 02, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Re: Debt Hole Repayment

IMO balance transfers work best for someone who has demonstrated that they can live within their means but gets hit with an acute shock to the budget - unexpected medical bill, emergency that outstrips the emergency fund, etc. They already have the discipline to live within their means, they just n...
by 06Dodgers
Wed Mar 28, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Debt payoff plan
Replies: 9
Views: 1628

Re: Debt payoff plan

**OP HERE ** *One more question: I paid my parents off last week and now want to use some money bad pay down a good amount of the student loan. Will this reduce how much I pay per month in interest or will it still breakdown the same way? I don’t have the numbers in front of me but let’s say curren...
by 06Dodgers
Wed Mar 28, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Re: Debt Hole Repayment

For the current car, it is a 2015 Honda Fit and I have it financed for $300 a month. I tend to have to drive long distances and doubt I will find anything much nicer for the price. I also intend to keep it well past payoff date since these things last forever, especially here in SoCal where rust is...
by 06Dodgers
Wed Mar 28, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Re: Debt Hole Repayment

I appreciate all the advice! I am going to check my library for that book tonight, best not to spend anything extra. Unfortunately, I don't expect to qualify for a new credit card at this time. Each company (Chase, Citi, CapitalOne) offers a free credit report, but the range is silly, from 660-719 ...
by 06Dodgers
Wed Mar 28, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Re: Debt Hole Repayment

Looks like the tips are generally to either get a balance transfer card, which I will look into. Perhaps this can be an option as the debt load drops, especially once the car loan is discharged. I will have to look at loans if they make sense based on interest rate as my 2nd option. Last option, whi...
by 06Dodgers
Wed Mar 28, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Re: Debt Hole Repayment

I appreciate all the advice! I am going to check my library for that book tonight, best not to spend anything extra. Unfortunately, I don't expect to qualify for a new credit card at this time. Each company (Chase, Citi, CapitalOne) offers a free credit report, but the range is silly, from 660-719 d...
by 06Dodgers
Wed Mar 28, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3980

Debt Hole Repayment

So I need some help figuring out how to best repay all the debt I accumulated in my 20s, currently 29. I finally got situated in SoCal in a nice place and good job making just under 6-fig and now have to tackle ~20k of credit card debt. Currently I am paying for 2 new cars purchased 2 years ago, but...
by 06Dodgers
Fri Apr 04, 2014 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 677

Re: Roth 401k Allocations

Based on above, SSgA S&P 500 Fund 20% 10% SSgA Russell 2000 Fund 10% SSgA Russell 3000 Fund 45% SSgA MSCI EAFE Fund 16% SSgA Barclays Aggregate Bond Fund 15% SSgA MSCI Emerging Market Free Fund 4% I took a look at BNY Stable Value Fund vs the Barclays Aggregate Bond Fund, I prefer the Barclays due t...
by 06Dodgers
Fri Apr 04, 2014 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 677

Re: Roth 401k Allocations

Based on the responses I got I decided to change to a traditional 401k as my cash flow is steady, but just barely able to keep up with expenses. I do put in enough to get the full match. I had not seen the Vanguard roth ira before and it looks like an excellent option when I get a couple more years ...
by 06Dodgers
Thu Apr 03, 2014 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Allocations
Replies: 7
Views: 677

Roth 401k Allocations

I am trying to make this easier to read for the below tables. Please let me know if there is some way to present the data better. Emergency funds: I have recently moved out of parent's home and am working to build some emergency funds, i have about 2 weeks currently, but a very stable job. Debt: I h...