General Adulthood, Planning for the Future: Business, College, Budgeting, Investments, etc! $$$ - General

i don't think so. last night i talked to a northrop grumman recruiter at a senior recruiting event who told me he couldn't start anything until i applied, so i applied this morning and now i'm about to go talk to him at the career fair today about the position and later today i'll email him, thanking him for his time and passing along my candidate id so he can follow it. i feel like it's better to be pushy than to not be pushy enough and have him forget your name. i guarantee you that he's talked to a shitload of people and probably can't remember the names of most everyone.

Went to my college's career fair today; my business cards were a hit and I knocked it out of the park with 4 of the 5 booths I talked to with my resume (the one I didn't knock it out of the park with was a guy who looked like he wanted to die being at a college career fair, super weird vibes from him). Even got a few offers for helping to establish new visual media programs that a few companies weren't advertising yet, as well as a big company that was wowed enough by my resume that they told me to apply right now and I stand a good chance of getting an internship [i]this semester.[/i] All this just as a college sophomore :dance:

Keep an eye on AMD share price.

So I just got my first ever salary and I wanna start budgeting right from the start. Can you recommend some good budgeting webapps? Preferably with good ui/ux - also not us focused

[QUOTE=LennyPenny;52738761]So I just got my first ever salary and I wanna start budgeting right from the start. Can you recommend some good budgeting webapps? Preferably with good ui/ux - also not us focused[/QUOTE] YNAB or build your own spreadsheet on excel / google sheets

What do you do when every day is exactly the same ? There is nothing you like anymore. You feel empty. The people you love feel empty and you feel distant to everyone. It was never like this, but now I feel as if no one likes me. A week ago we talk and laugh but now it all feels wrong. It isn't because we become hateful or negative. It's what I feel. I started feeling it and I can't get it out of my mind. I can't even think straight. You got to work, you do your deeds, you return. There are no options to flourish or advance. Everything just sucks and nothing feels right. I try to think I'm happy but reality kicked in today and I feel devastated. I wanna vent but I don't want to be that guy. No one wants to be that guy who is coo coo for coco puffs. And I start to think that this madness inside is still building up and one day it will be worse. The most awful is that I am stuck with this feeling for the next 4 years and there is no going back. I thought I did the right thing and was sorting my life for the good but now I feel like a wreck. Everything is a wreck. There is so much thinking in my head, so many situations, so much stress, so much regret, so much anxiety. I posted not to cause drama, but to vent anonymously. All I wanna do is be heard.

placed my first offer on a potential first house, wish me luck boys.

Anyone know of a good guide on budgeting?

[QUOTE=Pelf;52759556]Anyone know of a good guide on budgeting?[/QUOTE]I use [url]www.mint.com[/url] since its free, has a phone app, and relatively automated.

So I have this minimum wage job at a grocery store ive been working for a few months now that I am considering quitting. The department I work is really shorthanded though, which is part of the reason I am considering quitting as I cant get my shifts covered by anyone and sometimes have to work over my hour limits (I cant work a whole lot without it getting in the way of schoolwork), but It also makes me feel bad to leave the department in a position where they are doing badly. I havent brought this up to my manager yet, but I want to leave on really good terms. Im wondering whats the best general approach I can take in order to quit.

Just be straight about it - nobody expects someone to stay at a minimum wage job forever If you really care about the department you can quit with like 4 weeks notice or something. That should generally be enough for them to find a replacement

I'm in my senior year of high school. I have a car and a girlfriend. Both of these things are expensive. I have a job, but I'm barely ever on the schedule (like once or twice a month). I would quit, but apparently it picks up as the weather gets colder and they'll need me more. In addition, I'd be making over $100 a night if I worked there. What do I do? I need money now for my car and gf. Do I quit and find a new job, or hold out till this gets better?

[QUOTE=mcgrath618;52760696]I'm in my senior year of high school. I have a car and a girlfriend. Both of these things are expensive. I have a job, but I'm barely ever on the schedule (like once or twice a month). I would quit, but apparently it picks up as the weather gets colder and they'll need me more. In addition, I'd be making over $100 a night if I worked there. What do I do? I need money now for my car and gf. Do I quit and find a new job, or hold out till this gets better?[/QUOTE] You can at least look and see if you can find something more reliable unless they can give you a better guarantee how much you'll be working. You also have to take into account if you'll end up dropping down in hours again. $100 a night isn't much if it's only a couple of days a week for a few months out of the year.

Question would I make an ass of myself if I sent a follow up email a day/two after what the HR person said would be when they'd contact everyone they want for an in person interview? Secondary, I followed up with that Lockheed recruiter/engineer a day after the career fair (over two weeks ago) and haven't heard any response. Would it be okay to follow up again (albeit more consise)? I'm asking this because I keep reading indeed threads of Lockheed taking up to a month or two to get back to some applicants.

Need advice on negotiating a higher pay, basically how to write an email and not losing said job offer. I have been given a job offer today for an IT support position in London. This is the first job offer that I have received since arriving in the UK a couple of weeks ago, however, based on my research, experience, skills along with my expectations for that role, I would be wanting a higher salary, £25,000 being my minimum. The terms of the offer are Full time 40 hours a week, 20 days of Holidays + bank holidays and £22,500/year for the position, which by comparison to other similar positions I have applied for, seems sort of low. It has 5-10 days fewer holidays as well, all while paying £2500-£7500 less per year. They seem set on £25,000 being the absolute max they would pay when we discussed salary in the job interview. At the same time, there is no guarantee that I will get any of the other 4 jobs that I have interviewed for and having a job is quite important when moving countries. Any advice on how to negotiate a higher salary, I don't want to lose out on this opportunity in the case that I don't receive another job offer, however, £22,500 is not really what I'm looking for, especially based on the conditions as well. (copy and pasted from where I posted elsewhere, so yeah reads a tad funny)

[QUOTE=Dysplasia;52743064]placed my first offer on a potential first house, wish me luck boys.[/QUOTE] update to this, they accepted the offer for 65k in cash, gonna pull a couple personal loans after the results of the water and septic inspection drop by and assuming those are in good shape I'll have a mortgageless home of my own at age 22. Not a bad house either, a few things to repair, 1200SQFT, 3 acres of land... basically if the inspections go through i got a killer deal. :excited:

I feel like I'm stuck at my job because we're so short staffed and I like everyone. I don't want to leave because where I work we need badges and background checks and it takes weeks for that to happen, then people usually quit within a few days. Ideally I would want just less hours instead of none. I just feel stuck, compound that with a complete lack of confidence to tell people what I actually want I feel like I'll never leave. I've been here since Nov. 2012 and it was only meant to be temporary but now I'm team leader and there's NO ONE who can take over for me if I leave.

Does anyone have any good checklists or tips for relocating states for your first apartment? I'm planning on moving from South Texas to Boston sometime next summer and I wanna get a good head start on everything I'll need to do before then, but it's hard to find a good sort of all-inclusive list.

[QUOTE=Pascall;52789537]Does anyone have any good checklists or tips for relocating states for your first apartment? I'm planning on moving from South Texas to Boston sometime next summer and I wanna get a good head start on everything I'll need to do before then, but it's hard to find a good sort of all-inclusive list.[/QUOTE]First off if you’re job doesn’t require it, get rid of your car. Boston has one of the better US transit systems so unless your apartment/house is in the suburbs get yourself a CharlieCard: [url]https://www.mbta.com/fares/charlie-card[/url] While you can’t do this till next summer take photos of every inch of your apartment, if you value getting your security deposit back this will save your skin. Also its a good way to find out if anything need to be fixed asap. Another thing you should do is explore your neighborhood on google maps. Find places to buy food, where to get cheap food, socialize, etc. Also try to find out what your ISP(s) options are because some take more setup time than other depending on the equipment you need. Those are 4 I can think of off the top of my head.

[QUOTE=patq911;52789070]I feel like I'm stuck at my job because we're so short staffed and I like everyone. I don't want to leave because where I work we need badges and background checks and it takes weeks for that to happen, then people usually quit within a few days. Ideally I would want just less hours instead of none. I just feel stuck, compound that with a complete lack of confidence to tell people what I actually want I feel like I'll never leave. I've been here since Nov. 2012 and it was only meant to be temporary but now I'm team leader and there's NO ONE who can take over for me if I leave.[/QUOTE] In all seriousness, if you feel trapped there, and other options are available, then I would seriously consider just moving to a job that you prefer. I know it feels like a dick move, but it really serves them right for mismanaging to the point where you are the only person who can do your job, and you have to consider your own mental health. You could always raise an issue with your manager - discuss your hours to avoid burning out, or your personal development / progression plan. Your health is key, and loyalty these days just doesn't work too well it seems. This is what I would do in the UK - the USA is probably very different. so use a truckload of salt.

[QUOTE=Political Gamer;52789594]First off if you’re job doesn’t require it, get rid of your car. Boston has one of the better US transit systems so unless your apartment/house is in the suburbs get yourself a CharlieCard: [url]https://www.mbta.com/fares/charlie-card[/url] While you can’t do this till next summer take photos of every inch of your apartment, if you value getting your security deposit back this will save your skin. Also its a good way to find out if anything need to be fixed asap. Another thing you should do is explore your neighborhood on google maps. Find places to buy food, where to get cheap food, socialize, etc. Also try to find out what your ISP(s) options are because some take more setup time than other depending on the equipment you need. Those are 4 I can think of off the top of my head.[/QUOTE] Probably gonna keep my car just in case, especially since I tend to travel pretty frequently either way, but I'll probably save on gas by utilizing public transport more often than not. The rest of the tips are helpful, thanks~

Getting another husky puppy. Hoping she plays with my current husky, as she has a LOT of energy. Like 2 plus hours a night playing/biking/dog park. May god have mercy on my soul

[QUOTE=insane taco;52790587]Getting another husky puppy. Hoping she plays with my current husky, as she has a LOT of energy. Like 2 plus hours a night playing/biking/dog park. May god have mercy on my soul[/QUOTE] Well, if she doesn't and needs to release her pent up energy....RIP your sofa cushions. And your shoes. And your carpets. Actually, you might want to put everything in storage for a while until your pupper is older. :v:

[QUOTE=Terminutter;52789598]In all seriousness, if you feel trapped there, and other options are available, then I would seriously consider just moving to a job that you prefer. I know it feels like a dick move, but it really serves them right for mismanaging to the point where you are the only person who can do your job, and you have to consider your own mental health. You could always raise an issue with your manager - discuss your hours to avoid burning out, or your personal development / progression plan. Your health is key, and loyalty these days just doesn't work too well it seems. This is what I would do in the UK - the USA is probably very different. so use a truckload of salt.[/QUOTE] Well it's not really burnout, and it's not even a "real" job. It's part time, 6 hours a day, and it's cleaning (wiping tables, taking out trash, mopping floors, cleaning bathrooms, etc). So it's low tier stuff; I just want to move on. And I don't know about mismanagement, they said (and I know other people in the company that say this too) that almost every area is super short on people, people just don't want to stay very long at a cleaning job. And there's not enough people wanting jobs in this type of work.

[QUOTE=elitehakor;52719211]i don't think so. last night i talked to a northrop grumman recruiter at a senior recruiting event who told me he couldn't start anything until i applied, so i applied this morning and now i'm about to go talk to him at the career fair today about the position and later today i'll email him, thanking him for his time and passing along my candidate id so he can follow it. i feel like it's better to be pushy than to not be pushy enough and have him forget your name. i guarantee you that he's talked to a shitload of people and probably can't remember the names of most everyone.[/QUOTE] just in case anyone's wondering this tactic ended up with me getting a position. to anyone who is looking for a job, especially at a career fair, don't be afraid to be a little pushy! after all, it's your future that you're dealing with, and it looks a lot better than being passive about it, waiting for them to make the next move. [editline]22nd October 2017[/editline] and i can't stress the importance of face-to-face interaction enough. anyone can shotgun applications. hell, one of my friends made a bot that could do that. but a meaningful conversation with a manager or senior engineer goes a hell of a long way. crossposting from gay chat: [QUOTE=elitehakor;52797513]yeah! they told us that they don't like interviewing everyone and then doing a big hiring committee to see who did the best. instead, they interview ~12 applicants a week and decide who gets an offer before the week ends. also, it's wild to think that this started 4 weeks ago after talking with an engineer at a career fair. i remember coming out of that career fair and the general sentiment from most people was "that sucked, i should've just not gone since they told us to apply online anyway". just goes to show that connecting with employers in person is still the best way, even if you still need to submit an application online[/QUOTE]

Okay so I have two things to say in relation to this thread. I am an insurance professional, I do insurance for a living, and I actually enjoy my job. Insurance laws, and applications are different wherever you go, but for the most part some of the key features of them stay the same. I'd be happy to explain, or help explain or shed light on any situations related to insurance in this thread if needed. American auto insurance may be out of my grasp though unless I go look into your particular states laws but the general features of it are similar, and comparable. The second thing I have to say is I need some serious fucking help with meal plans and food spending. I'm a super picky eater(I try so hard to expand my food tastes, I really do) so making myself lunches, or meals to take to work is impossible so far. I am a good cook when it comes to making a hot meal for dinner, no problems there, but for lunches, I'm fucked. Cold sandwhiches are literally disgusting as fuck to me, no matter how hard I try and get over it. I get a fairly bad stomach ache when I eat foods I don't mentally agree with, I'm trying to get over that but it's really hard(I have had an eating disorder for a few years now). I read about how to make good leftovers, about good meal plans, about nutritious meals and etc, and honestly, as far as making a lunch I can take to work with me, I never see anything that appeals to me. So I spend money, 5$ on average, at lunch when I'd really rather be saving my money in the mean time. I just don't know what to do on that front.

Hello, I have a question. How much usually I have to expect inflation rate will increase each year? I'm saving up money for investment that would return around 6-7% yearly, in hoping it would sustain me even if I'm not working. In Malaysia, the minimum wage is $250. In my case what is the minimum investment money I should prepare to cover up for that minimum wage, and also inflation each year? Thanks.

Salary question for you guys, so my current (previous at this point considering business slowed to a crawl early last month) job was contract/on-call that paid hourly at $14/hr (which is ~$29k/year but of course the hours were variable and I still had to fill out a 1098 and do my own taxes). And that is absurdly low for an entry level EE (which on average in the south starts with a salary range of $50k to $60k). Looking back I was dumb to accept that but I was just eager to start even some engineering job literally three days after graduation. Reason I'm asking this is I have a few proper salaried engineering interviews coming up. I've ofc done my research on the positions and have put together nice "cheat sheets" and supporting reference documents (i.e BLS, PayScale, Salary.com, etc) to back up my salary expectations. If they ask about my previous compensation what should I say? I don't want to look like a twat and say that I was unfairly paid for my previous job but at the same time I don't want them to undercut me like my previous job did.

I've been told to say that you were competitively paid. If you give them a number they'll want to stick around it. If you say you were competitively paid, they'll be forced to give you what they think is a competitive salary. [editline]23rd October 2017[/editline] You're also not obligated to say anything about your previous salary, and they can't hold that against you. It's even illegal in some states, so know your laws and your rights to what they can and cannot ask you.

[QUOTE=hakimhakim;52810651]Hello, I have a question. How much usually I have to expect inflation rate will increase each year? I'm saving up money for investment that would return around 6-7% yearly, in hoping it would sustain me even if I'm not working. In Malaysia, the minimum wage is $250. In my case what is the minimum investment money I should prepare to cover up for that minimum wage, and also inflation each year? Thanks.[/QUOTE] I believe inflation is about 5% per year, don't put everything in to a savings account because the interest wouldn't cover inflation. From what I know it's best to invest in to an index fund because that usually returns at least 5% (so you've got inflation covered) and isn't as volatile compared to stocks. If there's commission on each investment transaction, which is usually $10, it's best to invest every $1000 instead of say $100. That way commission ends up being 1% of the cost per transaction instead of 10%. What I do is keep at least $1000 in my savings account in case of any unexpected expenses, and then every $1000 afterwards I put in to my investment account.