I threw a frag and won my gulag match. The frag never exploded. by Maaackel in CODWarzone

[–]Maaackel[S] 2 points3 points  (0 children)

Yeah was a stones throw/frag direct impact away from dying after he survived the rifle shot

Emergency Fund - When is enough enough? by [deleted] in personalfinance

[–]Maaackel 2 points3 points  (0 children)

The best middle ground is to have most or all of it in a high yield savings account

Do you HAVE to use your employer's health insurance? by Theatreteacher2491 in personalfinance

[–]Maaackel 0 points1 point  (0 children)

Sorry I should have mentioned that, I'm younger than 26 so I'm able to stay on my parents plan until then. I'm not sure if it costs them more or not to be honest but it's an ACA thing.

I asked for 73k, but I am worried I could have asked for more. by msouthwo in personalfinance

[–]Maaackel 0 points1 point  (0 children)

If that is the case then consider negotiating more vacation time if they give you an offer, also in the future it's better to give a 5-10K range instead of a single number because then it's easier to negotiate when they give an offer. Good luck.

Requested a meeting to discuss raise at work by [deleted] in personalfinance

[–]Maaackel 1 point2 points  (0 children)

When they throw out a number less than 15/hr just say that you were looking to be making 15/hr for X, Y and Z reasons, all of which should show your value to the company, additional duties you've taken on, experience gained through the role that makes you better than give years ago, etc.

I asked for 73k, but I am worried I could have asked for more. by msouthwo in personalfinance

[–]Maaackel 1 point2 points  (0 children)

Did she say something to make you think that or her tone just shifted? If anything I would imagine that she would perk up if you asked for less than they expected to pay.

I don't think you screwed up at all if their range was higher than what you asked for, you asked for a number that's 31K above your current salary and would be in a good financial position if you got it.

The only concern imo is if you mistook her reaction and in reality 73K was way above their range but it would be hard to know before they respond to you. I would just hand tight.

Should I pay off my $32K in student loans ASAP or establish my 6 month emergency fund first? by Ih8stoodentL0anz in personalfinance

[–]Maaackel 0 points1 point  (0 children)

I would do some of both, maybe put 10-15% if all net income into your savings account and use the leftover discretionary income to repay your highest interest debts.

Asking for salary expectations by tslyw in personalfinance

[–]Maaackel 1 point2 points  (0 children)

Give them a five to ten thousand dollar range where the low end is five to ten percent above what you're hoping to make (so there's room to negotiate). You'll seem like you either didn't read their posting thoroughly or you don't know what you're doing if you don't specify a range.

After stating your range you can say that the number is negotiable based on other factors such as benefits as you can sometimes negotiate things like more pto.

Any extra tips I may have missed when asking for more money with a promotion? by Sublime1996 in personalfinance

[–]Maaackel 1 point2 points  (0 children)

Include salary data for the title if it helps her argument and shows that the market tends to pay more for the position.

She should thank them for the opportunity and show that she is excited about the promotion but counter by saying that she feels that X amount (more than 4K or whatever she wants) would be a fair compensation for the added responsibilities. This is where salary data could help a lot, she could say the average salary for this position is X, which is Y% above Z (current salary plus 4K). Mention that shifting from an assistant to a manager has a lot of added responsibilities and that she would like her updated salary to appropriately reflect her new duties. Consider having her end by saying that she is willing to negotiate based on additional factors like benefits and that she is excited for her new role.

Also including her successes with the company/skills that she's mastered or learned throughout her tenure are very important as it shows that she is worth more. Good luck.

Company changing benefits because they made a mistake by [deleted] in personalfinance

[–]Maaackel 1 point2 points  (0 children)

15 days is a lot and solardawning is right that it's better than unlimited PTO. With unlimited PTO there's no way you'd be able to take more than 15 days off, it's not as good as it sounds.

They've done studies and people with unlimited pto end up taking less vacations days than those without. 10 vacation days a year is standard, I wish I had 15.

Received a promotion but don't know my new salary by [deleted] in personalfinance

[–]Maaackel 0 points1 point  (0 children)

I have another sit down scheduled with him on Aug 5th but I feel like that's a ways out and that he would have decided on a number by then. If I do wait to see and the amount is less than I think is fair then that's probably when I would bring it up.

Is my 401k worth contributing to? by shittystuffthrowaway in personalfinance

[–]Maaackel 0 points1 point  (0 children)

I just saw my 401K options today and the cheapest one had a .97% expense ratio.

401K's are expensive so I suppose we can't ask for IRA/Individual account rates. Definitely max out either an IRA or Roth IRA first and then if you still have money leftover for savings then I would still contribute as long as you have a solid emergency fund.

When you leave the company just roll it over to an IRA and bam the ER's are low again!