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H110Hawk posted:Don't overthink it, but definitely also attach it and reference it in the email. "To whom it may concern, My name is Firstname Lastname, I am writing to apply to Exact Title From Website job position. Please see my attached Cover Letter and Resume. You can contact me at Phone Number. Thank you, Firstname Lastname" Also even if it's not tailored title them both: Firstname-Lastname-Resume-Companyname.pdf, Firstname-Lastname-Cover-Letter-Companyname.pdf. I always did both. Make it easy for them to file and also easy to read initially.
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Aug 31, 2017 00:11
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Ramrod Hotshot posted:But both were the same, the body of your email and the attached cover letter? Yes. One for their review, one for their records.
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Aug 31, 2017 00:59
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I work for a utility so clocking in at ten years, I'm still the young guy. I'm not pensioned, but it'll be hard to justify leaving now that I'm in management and getting over-the-top stock grants for a company where 98% of its earnings are guaranteed. Goal is to be retired at 50, which is 14 years away.
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Oct 14, 2017 23:49
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spwrozek posted:^Sup utility bro? Pension plus a 401k match still going on here. I am very jealous. I missed the pension by 2 years. However, I don't have to stay until 58 if I have the cash. I really think utilities are overlooked. If you get a decent one there's a lot of upside and very little downside. I'm in Detroit so my options for big corporate companies would be a utility or the automotive companies. gently caress the latter, they have memory that lasts 18 months. They're making the same dumb decisions they did ten years ago and it'll turn into large layoffs soon. Re: debit cards. I've been travel hacking for years but recently moved my wife and I to debit for our routine expenses and it's really helped to keep our spending down. I'll move back to rewards cards for everything at some point but right now I think she needs the tangibility of cash/debit. Otherwise, it's SWIPE!
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Oct 15, 2017 00:04
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spwrozek posted:DTE I assume. I spent a few years doing tower analysis for cell site additions while consulting in Jackson for DTE. Also worked at a coal plant for Consumers for a summer in college. I am over at Xcel in denver now. It is pretty good stuff. I doubt the pension will last much longer as things keep going away. But if they want to pay it out into an IRA with Vanguard I guess that is OK. If they do I doubt they will make up that money in a 401k match, just pay it out to the share holders. Still a good place to be. 40 hours only, cheap insurance, really good PTO, etc. Definitely recommend people take a look at utilities. On the nose there. I forgot to mention that I'm place of a pension they give me 7.5% of my salary each year in a tax deferred account that gets some nominal interest rate gain. After ten years that has grown substantially. That's without contributing a penny to my 401k which gets full match on 4% and half on the second 4%. I'm in operations/construction and it isn't easy work by any stretch. But I'll take it over worrying if I'll have a job next week.
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Oct 15, 2017 13:36
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EAT FASTER!!!!!! posted:I just wrote a check for $27,576 to pay off one of my mortgages. 
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Nov 11, 2017 01:02
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That's why you guys gotta get hitched when you're both young, poor, and saddled with soul crushing debt. 
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Jan 30, 2018 14:33
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"Apple" called my wife the other day (from 1-800-MY-APPLE) and told her that her iCloud was logged into in another state and that they were able to shut it down but need her to reset everything from her phone. She was caught off guard at first but got wise when they said they were going to send a code and asked if she had her iPhone or iPad nearby. She told them she didn't have either and they were incredulous "how do you not have either, are you sure?!". At this point she was hip to it and killed the called and told me. We changed the password right away. I was real proud of her as she's not techy and not really exposed to all the social hacking and such. Sucks to hear about your fraud and hope you didn't have any losses in the end. Get a password manager and change every single password you have to a unique one and enable 2FA. If you didn't lose anything it was a close call. If you did, my goondolences.
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Sep 17, 2019 01:14
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IntensivePorpoises posted:I just refreshed my accounts in Quicken, and found that the day I'd been anticipating for about a year has finally come. I now have a net worth of over $1M. Helllls yeah. Congratulations! Don't go celebrate and buy the new iPhone or a fancy TV, you'll dip below your mark!
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Dec 17, 2019 02:27
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Register a DBA and call it gohuskies Corp.
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Dec 20, 2019 02:22
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Man, didn't expect the ten year to dip under 1%, I'm seeing 15 year rates as low as 2.7% from Friday. This may actually get me to get off my 3.625% 30-year from 2012. At 2.7% my payment only goes up $260-ish bucks and shaves 7.5 years off the loan, if I don't make overpayments. Real exciting stuff
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Mar 2, 2020 03:06
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I have no context for the history of 15-year mortgage rates. Is 2.75/2.875 insanely good and I'd be crazy not to lock that in today or is it just decent enough given how much the 10-year dropped (especially today, .70%s) and I should hold off a few days to let that impact hit the market? I'm 8 years into a 30 year at 3.625% at the moment. Increase in P&I is $279 (I have budget for that) and the % of payments going to interest will decrease from 56% currently to 34%, reducing my payoff by ~8 years. Trying to jostle myself loose that I'm being greedy holding out for 2.5 or 2.625
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Mar 6, 2020 19:50
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WithoutTheFezOn posted:AFAIK 15 year rates haven’t gotten lower than 2.66 in the last 30 years. I imagine at some point there's a floor where it doesn't make sense for the lender to even issue a loan as the spread is so thin. Thanks for the context!
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Mar 6, 2020 20:30
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BeastOfExmoor posted:An article popped up in my Google news feed that said mortgage providers are showing higher rates because they don't have the personnel to meet demand. I was surprised that this many people were on the ball enough to jump on lower rates, but I suppose that it only takes a fraction of a percent of the population to overwhelm the mortgage system. I got paperwork back last night from an application that I put in on Monday for 2.375%. However, the paperwork does NOT have it as a locked rate so I'm waiting to confirm that I received that rate before continuing. I believe 2.75-2.825% is the current market right now, if they can keep up. Who knows what'll happen today though. I'm planning to lock in anything under 2.75% given the opportunity.
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Mar 12, 2020 13:48
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DNK posted:Update: I’m still chilling in my index funds. Same. Can't invest unless I dip into emergency funds and I'm trying to get as many months as possible right now. Without crazy lifestyle change we could 8-9 months right now.
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Mar 21, 2020 20:23
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spwrozek posted:You too can "FIRE" while running a website non stop for significant income! Don't hate the player, hate the game.
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Mar 23, 2020 19:05
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spwrozek posted:I have nothing against the guy, I just find the advice disingenuous (pretty much all FIRE blogs honestly). He got the getting while it was good though, so good for him. I think if you look at the base facts it's all good. For higher-earners, don't fall into the trap of buying poo poo that you don't actually need (cheap steel for lifting rather than a $3K bowflex, etc.) and save a ton you can have more agency over your life. It's a good message. But that doesn't invalidate your points, just that I find sifting away the crap lets me hone in on the good he has to say.
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Mar 23, 2020 19:28
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KYOON GRIFFEY JR posted:you've just posted the only thing he says that is at all useful which is "don't buy poo poo you don't need" and "especially don't buy poo poo you don't need because it's somehow ~expected~ of you" I always viewed those things as caricatures to reinforce the point through repetition and example.
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Mar 23, 2020 20:42
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KYOON GRIFFEY JR posted:well, my roughly 60 person company decided to cut salaries rather than start reducing people, and cuts are progressive (5% for entry level and admin, 7% for next level, 10% for managers, 15% for directors, 20% for managing directors). I'm glad we are doing this rather than lay people off, and I'm in a good situation where I can take the 15% paycut without any issues. Stay safe out there and keep them emergency funds topped off. This really is the best case scenario as we plow into what is starting to look like a deep recession. I will gladly take a cut like that and zero bonuses/stock grants next year to keep the checks keep rolling. Skip me over on the stimulus package too. I hope that's the end of the line for you in the impacts from your company. I also hope that you work for a good company that if/when the good times come back they make up for this sacrifice.
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Mar 26, 2020 19:45
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KYOON GRIFFEY JR posted:we are a pretty good place to work, all things considered Good company. Respect. Our ceo (Fortune 250 utility) has committed to no layoffs like we did in 2008. We shall see though depending on how deep this goes. Our cfo retired this week so I'm a bit worried. They said it was long planned but why announce it now, especially since he's staying on until year end???
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Mar 26, 2020 22:24
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THF13 posted:I do a couple of bank account bonuses a year. I don't do ones that require me to keep more than $1500 in the account to get it or to avoid a fee, and I avoid ones that require debit card transactions. Load Amazon credit $1 a time for the number of required transactions. All set.
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Jan 11, 2023 05:32
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Ornery and Hornery posted:Speaking of reporting - is there any < non-crypto / non-darkweb tor > tool to conduct relatively anonymous online purchases? Privacy.com
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Apr 12, 2023 02:30
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dreesemonkey posted:Not an ad, but an account I follow on instagram (@personalfinanceclub) started a new business centered around flat-fee fiduciary financial advisors. The sales pitch is $150/hr for financial advice "without the sales pitch". I'd be more comfortable pulling someone local from NAPFA (National Association of Personal Financial Advisors) than Instagram. If this person is associated with NAPFA and you like them from following their gram, then all the better.
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Feb 22, 2024 15:23
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LanceHunter posted:I'm also extremely suspect on the "we sell no products" line. This feels way too much like the beginning of a sales funnel that will eventually have someone trying to get you to buy some annuity product. I think this is likely innocent. Coming from that industry a decade or so ago, the sale of products and misaligned incentives for advice was sooo bad, planners are super explicit of all the things that they don't do to assure people that the hourly rate covers the clients needs and not their own. Nothing about that website/model seems off to me, however, for big areas like this I'd like to work with more credentialed and well established planners/firms. It's just all too important than to potentially get someone that has been focusing on social media marketing and a slick webpage with minimal experience working for clients as they get their start. Don't be someone else's experience building is my point. Better to pay up (probably ~$150-200/hr anyway) and get the advice/planning you need from someone that is BORED with your situation because they solved it soo soo long ago.
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Feb 22, 2024 15:49
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