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Saint Fu posted:During the interview, try to look directly into the camera instead of watching yourself.
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Oct 7, 2015 14:20
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KitConstantine posted:Oh god. I got a Skype interview for a job that is an amazing opportunity for where I am at in my career, but I am low on the experience side for the position. How does one Skype interview? Anyone have any tips or experience? I've made it though what sounds like ( according to the recruiter) about 3 rounds of eliminations so far, so its pretty serious. Take some lighting tips from the camgirl "community" as well. No bright lights behind you, make sure the monitor doesn't turn you blue, avoid blowing out your background or your face, etc.
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Oct 7, 2015 15:55
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tuyop posted:Take some lighting tips from the camgirl "community" as well. No bright lights behind you, make sure the monitor doesn't turn you blue, avoid blowing out your background or your face, etc.
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Oct 7, 2015 17:01
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To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. I'm not at risk of yanking anything out because I know better, but it's kind of hard to ignore the whole "I'd have more money if I'd just stuck it in a savings account" aspect. Maybe I'll just remove the accounts from Mint. Outta sight, outta mind.
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Oct 7, 2015 17:02
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Don't look at it. No, seriously. Make a rule for yourself, and only check your long-term portfolio every X months, and do your best not to watch the ups and downs. If it's staring at you in Mint and harshing your buzz, take it out. Nothing makes paying down debt or saving retirement seem like it's taking forever than watching the pennies come and go.
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Oct 7, 2015 17:10
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Not a Children posted:To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. It's hard watching it go down for sure. Ideally, I would not look at it. But I also have my accounts plugged into Mint. I guess I could remove them...and I probably should. Really what I should do is just add the value of my accounts as static property accounts in Mint (to still get an accurate net worth calculation), and then only update those values once a year or something. If I didn't hate working I would probably do that, but I love seeing the constant progress. At this point since my accounts aren't over 6 figures the dips are recovered by my regular contributions quite quickly.
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Oct 7, 2015 17:42
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Not a Children posted:To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. I find it helpful to manage my expectations for the accounts. You shouldn't care about what it's worth now, only what it's worth when you need it. If the market dips, that's just a stock sale and you can buy some more stuff to be worth more when you need it! That's how I think of it, anyway. I think I got that from The Four Pillars. Bernstein also recommends the "look away" strategy.
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Oct 7, 2015 17:46
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Not a Children posted:To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. I truly believe the following: 1. The market isn't going to permanently crash or dip if you're properly diversified barring catastrophic circumstances. We probably should've all taken some lessons from The Walking Dead and invested in fighting/weapons training instead in that case. 2. The rich oligarchy of the US is more invested in the market being healthy than you are, and they are powerful enough to prop it up. This belief really helped me through buying BAC when it was $4.  Too big to fail was much more of a thing back then, but in some ways, the whole market is 'too big to fail'. I saw our net worth dip by 10% in one day. I'm not going to say it was easy, but at worst it was just a correction and at best poo poo was on sale and we were getting some bonus money we could scoop it up with. Also, I was excited about being about to do some TLH since we sold some stuff at a gain a few months ago.
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Oct 7, 2015 17:54
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Not a Children posted:To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. If you haven't read A Random Walk Down Wall Street or The Four Pillars of Investing, you really should. It's people who pull their money out when the market goes down who really miss out. Yes, you will potentially miss some of the losses, but unless you somehow reinvest at the absolute bottom, you will also probably miss out on a lot of gains. In the meantime, you're definitely missing out on dividends.
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Oct 7, 2015 18:14
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There's a market dip? It looked like everything had already recovered from where I sit.
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Oct 7, 2015 18:45
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Dessert Rose posted:There's a market dip? It looked like everything had already recovered from where I sit. I'm still about 2% in the red throughout all of my index-fund accounts compared to my basis. I've read Four Pillars and a few of the other books from the Newbie thread, so I'm not in any danger of selling off my holdings or putting it all on black. I was just wondering the best way to handle taking a loss in terms of psyche. The general consensus just seems to be "look away," so I'll take those accounts off of Mint and check in once or twice a year to rebalance. It really helps to think of any rollercoastering as "unrealized," since none of these shifts will actually matter for me for a minimum of 30 years anyway.
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Oct 7, 2015 19:08
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Not a Children posted:I'm still about 2% in the red throughout all of my index-fund accounts compared to my basis. 30 years? Come see us in the Financial Independence thread. We may be able to help, or at least direct you to the Bad With Money thread 
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Oct 7, 2015 19:18
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Aside from not looking at it, the way I deal with it is knowing that okay, if I'm putting another $2200ish into my IRA and 401k this month, I'm buying them at a discount. The market will eventually go back up, and that contribution will be worth more!
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Oct 7, 2015 20:33
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Rick Rickshaw posted:30 years? Come see us in the Financial Independence thread. We may be able to help, or at least direct you to the Bad With Money thread I was mostly referring to the fact that I'm 25 and I can't touch my 401k without penalty til 55 at earliest. Hoping to get out of the rat race earlier, but my significant other wants kids eventually so 
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Oct 7, 2015 20:51
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Not a Children posted:I was mostly referring to the fact that I'm 25 and I can't touch my 401k without penalty til 55 at earliest. Hoping to get out of the rat race earlier, but my significant other wants kids eventually so You can get money out of your 401k before 55, check out SEPP (and then check out the FI thread  )
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Oct 7, 2015 20:54
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Not a Children posted:I can't touch my 401k without penalty til 55 at earliest e: beaten. Also look at Roth conversion ladders. spf3million fucked around with this message at 20:59 on Oct 7, 2015 |
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Oct 7, 2015 20:56
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Not a Children posted:I was mostly referring to the fact that I'm 25 and I can't touch my 401k without penalty til 55 at earliest. Hoping to get out of the rat race earlier, but my significant other wants kids eventually so If you've been talking about your 401k this whole time and not a post-tax investment account, you *really* shouldn't be looking at it. As was noted, there are ways to get at it, but I consider that my "old man money." I check my 401k twice a year, and my investment accounts once a month, on the first. I placed those rules on myself because having been an avid MMO gamer for a long time, I love watching my numbers go up, and I found myself checking it several times a week. It was fun to work on my savings and watch it go up, but I started feeling like I was wasting my time, and acting overly miserly.
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Oct 7, 2015 21:26
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mint.com can't figure out that the big payment each month goes under rent, but it figured out that atm withdrawals go under weed. I don't know if that reflects poorly on them or me.
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Oct 10, 2015 08:28
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Jeffrey of YOSPOS posted:mint.com can't figure out that the big payment each month goes under rent, but it figured out that atm withdrawals go under weed.
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Oct 10, 2015 09:32
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Not a Children posted:To those that are more level-headed than me and have been weathering the recent market dip with aplomb, I've gotta ask: How do you do it? It's kind of hard to go into Mint and see my retirement accounts dipping without second-guessing my investment strategies. I think the advice of "don't look at it" is the best for you, and I recommend it as well. However, I look at mine much more frequently than that, and I haven't had any negative feelings about the recent market action. This is with an allocation of 90+% in stocks. So I'll chime in with an alternate perspective about how I can look at the market and still feel at peace. First, I check and update my numbers every two weeks on payday in a spreadsheet I keep detailing all sorts of things: my checking and savings account balances (I direct deposit into two checking accounts), my credit card balances (including progress towards minimum spending bonuses), and my taxable and retirement investment accounts. I'm still new enough in my career that my $750 biweekly 457(b) contribution represents about 2% of the account balance. So even when account "loses" $1,000 in two weeks, I get to plug in my new updated number and feel the satisfaction of only having "lost" $250. gently caress you, market, you can't beat me! I'm still coming for you and I'm keeping my balance moving whether you like it or not! I guess the best way to put it is that for whatever reason, I find the act of contribution more meaningful than any gain or loss that occurs due to stock movement. Second, like tuyop and Nail Rat said, I have enough perspective to know that a dip means I'm buying on sale. Here's a graph of my 457(b) performance from the start of work til now. The dark line shows contributions, while the green and red show overall performance.  Bonus chart activity: see if you can tell when I started reading BFC Now you might look at that and say "How does this help? You were finally getting a nice little green band and then it all went red!" My answer to that is that after 3, 5, 10 more years of maxing out my 457(b) I know I'm going to have to zoom in to even see those little bits of green and red that seem so prominent now. Again, the act of contribution combined with the long-term upward trend of the market mean that I'm going to enjoy great numbers in the future. I know that someday I'll experience my first 20% drop, and it may well come at a point when my $750 doesn't move the needle so much. Maybe at that time I'll freak out a little, but I like to think I won't. Finding meaning in the act of contribution serves me well. I would freak out much more if I found myself unable to contribute at the rate I've grown accustomed to.
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Oct 10, 2015 14:22
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I have a boring office job and I just got an offer to do the same job at our 100% interchangeable rival company. They're two doors down. I would have the same pay and the same hours. But they're offering me $8,500 plus $3,000/year to pay for parking (it's in the CBD of a city). I think I'm gonna do it just for the $$ and the slight change in scenery. Hope this doesn't prove to be a mistake!
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Oct 15, 2015 22:24
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Hopefully you mean $8,500 more, otherwise yes, that would be a mistake to switch companies so that you can make $11,500/year.
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Oct 15, 2015 22:48
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He said same pay, so I'm guessing the $8500 is a signing bonus.
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Oct 15, 2015 22:54
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Nail Rat posted:He said same pay, so I'm guessing the $8500 is a signing bonus.
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Oct 15, 2015 23:53
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I feel like you could have negotiated but maybe not. Maybe ask for another week of vacation?
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Oct 15, 2015 23:57
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You should check out the how to negotiate offers thread.
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Oct 16, 2015 01:27
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Seems like the signing bonus is designed to reduce the likelihood you'll ask for an increase in salary. Ask for a $4500 (at least) increase in salary instead, assuming you plan to stay two years.
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Oct 16, 2015 11:21
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Rick Rickshaw posted:Seems like the signing bonus is designed to reduce the likelihood you'll ask for an increase in salary. Ask for a $4500 (at least) increase in salary instead, assuming you plan to stay two years.
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Oct 16, 2015 20:35
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The signing bonus and parking benefit were negotiated! And the job itself is 100% commission, so I can't pursue higher salary instead.
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Oct 16, 2015 20:50
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GoGoGadgetChris posted:The signing bonus and parking benefit were negotiated!
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Oct 16, 2015 21:06
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I usually post about New Zealand in the bad with money thread but it's not really the right place to post this. Somehow New Zealand is in second place for wealth per capita just behind Switzerland. When adjusted for inequality New Zealand is in first place. http://www.interest.co.nz/news/78184/new-zealand-scores-second-global-wealth-capita-and-first-when-adjusted-inequality I'm surprised we're placed like this despite some of the gently caress ups, but the wealth probably has been dragged up by being the most capitalist socialist country in the world.
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Oct 17, 2015 00:28
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SiGmA_X posted:Ah gotcha. Go for it! Sounds like a good deal to me. I want a parking benefit... Only *senior* directors and above get it at my company. It use to he manager and above, but they (C suite) wanted to cut costs... I want fairness in transportation benefits. My employer offers the choice of a parking space or a transit pass. I live six blocks from the office and bike to work, but can I get the cash equivalent of parking/transit to put towards bike stuff? No I cannot 
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Oct 17, 2015 02:31
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pig slut lisa posted:I want fairness in transportation benefits. My employer offers the choice of a parking space or a transit pass. I live six blocks from the office and bike to work, but can I get the cash equivalent of parking/transit to put towards bike stuff? No I cannot Should be asking for a reduction in health care costs too, IIRC there was a really in-depth study at the costs of commuting and that was one of the major financial pros of cycling. IDK, might be worth your while to put together a little information packet/proposal on all the benefits of cycling and see if HR can petition management to enact a change. At my old job we were re-imbursed on kms travelled at the public transit rate regardless of how we did it. If I biked 14kms to my Tuesday/Friday school I'd be pocketing the $15/day I'd otherwise be spending on bus fare. I only did it once, mostly because there were no showers and a fairly decent hill climb in the middle, plus my motorbike barely used $2 in fuel for the whole commute. Pompous Rhombus fucked around with this message at 02:44 on Oct 17, 2015 |
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Oct 17, 2015 02:40
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pig slut lisa posted:I want fairness in transportation benefits. My employer offers the choice of a parking space or a transit pass. I live six blocks from the office and bike to work, but can I get the cash equivalent of parking/transit to put towards bike stuff? No I cannot We just implemented a bike reimbursement program through HR, through the lens of health improvement & lowered medical costs, while we don't have anything specific for busing or driving (but we do have our own office campus and parking garages).
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Oct 17, 2015 02:58
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Devian666 posted:I usually post about New Zealand in the bad with money thread but it's not really the right place to post this. Somehow New Zealand is in second place for wealth per capita just behind Switzerland. When adjusted for inequality New Zealand is in first place. I'm surprised you of all people don't see a connection between this ranking and the NZ real estate bubble you have posted about many times
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Oct 17, 2015 04:30
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pig slut lisa posted:I want fairness in transportation benefits. My employer offers the choice of a parking space or a transit pass. I live six blocks from the office and bike to work, but can I get the cash equivalent of parking/transit to put towards bike stuff? No I cannot Can you get a transit pass and use it to go places other than work? I'm also not sure why you bike 6 blocks but maybe they are some big blocks.
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Oct 17, 2015 04:56
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Pompous Rhombus posted:Should be asking for a reduction in health care costs too, IIRC there was a really in-depth study at the costs of commuting and that was one of the major financial pros of cycling. Not a bad thought, but we already have phenomenal health care that's mostly picked up by the employer so I'm content with it. SpelledBackwards posted:We just implemented a bike reimbursement program through HR, through the lens of health improvement & lowered medical costs, while we don't have anything specific for busing or driving (but we do have our own office campus and parking garages). Do want. Jeffrey of YOSPOS posted:Can you get a transit pass and use it to go places other than work? I'm also not sure why you bike 6 blocks but maybe they are some big blocks. Our city has the best pound-for-pound transit system in the USA (I'm an urban planner so I have opinions about these things), and I can use my transit pass to go anywhere at anytime. Nevertheless I find it mostly useless. For short/medium distances it is more convenient to bike, and for long distances I use a car from the motorpool. It was great when I was a student but the locations I spend the most time in these days are best accessed via different methods. As for why I bike to work, there are two reasons. First, it means I have my bike at the office and can bike to my most frequent meetings instead of walking three blocks to pick up a car. For 90% of the work I have out of the office, biking is as convenient as driving or more. The second reason is that my trip to/from work is about 5 minutes quicker each way, which means more time I get to spend with my dog every day at lunch  One of my career goals is to get my state to adopt a Parking Cash-Out Law like California has.
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Oct 17, 2015 05:18
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pig slut lisa posted:One of my career goals is to get my state to adopt a Parking Cash-Out Law like California has. quote:The law applies to employers (public or private) that:
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Oct 17, 2015 07:49
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I started a new job 2 weeks ago, but before I started they had asked me for a list of professional references, which I provide to them. They didn't contact any of my references though. Is that strange? Also, I got my first paycheck for my new job yesterday. It should have only been for my first week of work, since it was the second half of that pay period, but they paid me for two weeks of work. I let the finance/hr guy know, but it felt nice seeing all that money in my bank account, even though I know it was incorrect. At the very least it's going to let my bosses know that I have integrity and let them know they made the right decision in hiring me.
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Oct 17, 2015 13:33
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Cicero posted:Man I got all excited until I read the restrictions: Don't worry I'll make it better here
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Oct 17, 2015 13:45
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