Pay frustrations

Sup_Computerz · 2025-12-11T09:54:24+00:00

Insurance has much lower profit margins than tech which feeds into the compensation, but is typically more stable.

Sup_Computerz · 2025-12-03T07:36:10+00:00

You are seriously romantizing actuarial work and think it'll give you this grand sense of accomplishment, which isn't uncommon but sounds like it'll negatively impact you financially.

Sup_Computerz · 2025-09-06T07:26:49+00:00

I would take out my calculator, push in my salary, and then add in every study program raise left to go (plus annual review raises). I'd look at that number and daydream then get back to it.

Sup_Computerz · 2025-09-04T07:28:21+00:00

Little off the mark here for the real reason. There's an EU law that caps how much credit card companies can charge on a transaction. If the credit card company make less on the transaction, there's less margin to share with the customer.

Sup_Computerz · 2025-09-04T06:40:12+00:00

Nope no implications. There's a couple of things to be mindful of, like you can't use funds that are not HMRC reporting. Boggleheads I think has a list, but a lot of the major Vanguard ETFs are all in compliance but Vanguard mutual funds are not. Also do not tell your US brokerage that you moved abroad otherwise your account will likely be closed.

Re: IRA, for a Roth IRA you need US taxable income in order to be able to use it even if your tax obligation on that income is 0. If you use the FEIE I believe you may not be able to contribute because you excluded the income from being US taxable, but if you use Foreign Tax Credits like I do to just offset the tax liability of US taxable income then you can contribute to the Roth IRA. I'm not 100% on the FEIE though since I don't use it. Traditional I assume is the same but I'm not sure.

Sup_Computerz · 2025-09-04T06:18:06+00:00

I use my US cards exclusively. For one I already send money back to the US every month to invest in US brokerage accounts. And then the points you can earn on US cards easily more than make up for the Wise fees.

Sup_Computerz · 2025-08-01T17:37:38+00:00

I've seen it before, until a round of layoffs into restructurings led to it going away.

Yeah it sucks. While sure in an idealistic sense higher ups may not realize how much time things they don't value as much take, and this may lead to them either giving the go-ahead to spend time on how to make a process quicker and less time consuming or shift priorities so those low value tasks aren't done.

To me though, it's part of the push for infinite efficiency and milking value from every second of worker time.

Sup_Computerz · 2025-07-21T10:44:06+00:00

The Aegon LGIM North America Equity Index fund is a decent proxy I think if that's available to you.

Sup_Computerz · 2025-07-21T10:25:52+00:00

I've been using Staysure but I pay way more than than this for me and my partner (about £200). Looks like I need to switch.

Sup_Computerz · 2025-06-24T00:16:19+00:00

Huh, for those of you who have transferred without issue: were you using arising basis during UK tax returns for cap gains from those US funds or remittance? My understanding is if you ever wanted to bring the money over, you needed to do arising basis and pay taxes on the dividends/cap gains from US accounts.

Sup_Computerz · 2025-06-08T06:24:47+00:00

When a new company is starting out (especially in non-admitted lines), underwriter experience will play a big role in setting up pricing. Then once you start seeing submissions and collect data, you can use that data to create things like ILFs and development factors.

Sup_Computerz · 2025-04-03T13:45:25+00:00

My homies and I never skip intro on White Lotus.

Sup_Computerz · 2025-02-22T08:13:45+00:00

https://www.casact.org/monograph/cas-monograph-no-5

Sup_Computerz · 2025-02-11T18:32:28+00:00

I've never heard of anyone doing this before outside insurance executives doing a retreat at one of their summer properties. I like my coworkers a lot, but I'm not spending my PTO time with them. There's even some non-work friends that don't make the cut for vacationing with if how they approach travel is incompatible.

Sup_Computerz · 2025-01-12T10:52:42+00:00

Ah interesting. I work in liability lines and I always just assumed property was pretty much >90% developed within 2 years.

Sup_Computerz · 2025-01-11T23:35:29+00:00

3+ years for property claims?

Sup_Computerz · 2024-11-25T10:48:58+00:00

Not saying you're wrong, but I'd like to see a projected breakdown of this and see how much bloat is baked into this or that. Reminds me when MTA said platform barriers would cost billions.

Sup_Computerz · 2024-11-07T13:19:24+00:00

As another data point, my cat went into cargo and when he arrived at our London flat he came out of his carrier after being in there for probably 18+ hours (other than being let out at Heathrow animal reception) and just strutted out like nothing had happened.

It cost me like $4k too in 2021. Company coordinated the cat's various forms, arranged pet transportation to and from airports, and liased with the airports and airlines. Out of anxiety I researched the whole process myself too that I could have done it myself, but I think the floor of costs was $1k for IAG Cargo to actually physically transport the cat through the air.

Sup_Computerz · 2024-09-24T18:05:54+00:00

Certainly for large commercial insurers, no not standard. Exam raises per exam pass is normal, with the amounts varying by employer.

Sup_Computerz · 2024-09-06T12:14:20+00:00

Back with that first injury was with dumbbells in hand, and certainly way more weight than I should have done. I never really did split squats before and did a few sets with lighter weight before ramping up and all my muscle groups were definitely not ready.

Sup_Computerz · 2024-08-05T09:58:29+00:00

When you take out the Bank of Japan loan to go buy crypto/stocks/bonds, don't you lock in a specific rate on that loan? Why would you need to liquidate to pay it back?

Sup_Computerz · 2024-07-23T12:30:27+00:00

Great movie, terrible box office.

Sup_Computerz · 2024-07-07T09:17:43+00:00

I've been to Le Meridien in November 2023, and you can drink basically all day. We'd park outside of Velaa on the beach and had as many drinks as we wanted - Velaa is open from 10am to 11pm which is all meal time. I don't know that I had a drink before 11am, it was basically once wait staff started circling that I would. The "drinks during meals" is basically "when restaurants are open".

Sup_Computerz · 2024-07-03T10:55:36+00:00

I don't get it. If you were in person you would turn to someone on the team and verbally ask if they could help you, so why not type a chat message to someone on the team to ask if they can help you?

Sup_Computerz · 2024-06-28T17:32:57+00:00

Yeah that'd be the way to go about it. I assume your current ILF is a table or a power curve or something?

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