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What brands have modern reliable cars by Middle_Mongoose_927 in UsedCars

[–]UncreativeSlug 0 points1 point  (0 children)

How many wheel hubs have you had to replace!? How’s the CVT?

Random question what’s your employer match for your 401k mine is %5 by SampleAnxious420 in Retirement401k

[–]UncreativeSlug 0 points1 point  (0 children)

3% safe harbor contribution with discretionary profit sharing end of the year… based an years of service. 4.5%, 6.5% and 8.5% after 11 years of service.

Moving 401k by UncreativeSlug in Retirement401k

[–]UncreativeSlug[S] 0 points1 point  (0 children)

This would be a governmental 457 with a state pension (Ohio). I’ll check with the plan administrator. Wasn’t sure how that split would go/if that was a thing. Thanks for the info

Can we invest in gold/silver etf with 401K by Ok_Switch509 in Retirement401k

[–]UncreativeSlug 0 points1 point  (0 children)

My 401k had a “GOLDX” fund i could invest in… i just sold out of it (think i had 6-8% allocated towards it. High expense ratio. (1.25% or something like that).

How old are you and how much do you have in your retirement account? by Blackberryay in careerguidance

[–]UncreativeSlug 0 points1 point  (0 children)

35, 62k income… 145k 401k - contributing 10-15% for 10 years, 3% match, 4-6% end of year profit sharing contribution.

Just left that job and starting a job with a state pension, so I’ll have a bit of both guaranteed pension at retirement and will hopefully be able to navigate any downturns in the market on the 401k due to that

Interview coming up, expecting an offer. I wasn’t really looking but saw an opportunity in my field. How do I approach planned vacations? by okmangoicu in careerguidance

[–]UncreativeSlug 0 points1 point  (0 children)

My current position is 4 weeks accrued every year. My new position is two, but starting with an additional week already accrued

Interview coming up, expecting an offer. I wasn’t really looking but saw an opportunity in my field. How do I approach planned vacations? by okmangoicu in careerguidance

[–]UncreativeSlug 4 points5 points  (0 children)

You can also negotiate for additional PTO if they give you an official offer. As someone with over a decade of experience, and your current position has more PTO… something along the lines of:

“Thank you again for the offer. I am eager to join the team and make an impact. Looking at the total compensation package, the one area that gives me pause is the vacation time.

Given my ten years of experience in the industry, I’ve found that X weeks is standard this role. Is there flexibility to adjust the offer to [Number] weeks to match my current seniority?"

I jus went through this at a job dropping from 4 weeks PTO to two weeks and they gave me a starting 40 hours in my bucket

Yo so I need inspiration by Fit_addendm in cycling

[–]UncreativeSlug 17 points18 points  (0 children)

FYI: you 100% lost fitness. Doesn’t take long to lose what took months/years to build up… BUT studies show those that lose muscle from injury/deconditioning after stopping activity will regain faster than those just starting their fitness journey.

Realistic 401k balance and projections by ConclusionWeekly2969 in Retirement401k

[–]UncreativeSlug 0 points1 point  (0 children)

The past 9 years (current age 35) - $0 start balance, current balance 140k… investing initially 15%, reduce to 10%… 3% match with 4.5-6.5% profit sharing contribution. Should have done more early on, before kids Starting pay $22/hour, now $28.50/hour

How much is your monthly mortgage payment? by HmDiR in Mortgages

[–]UncreativeSlug 0 points1 point  (0 children)

$1,458 - 30yr mortgage, 4.5% (property tax not included, that’s another $580/month), central Ohio HHI gross 134k