What do you do?

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Heylel

Heylel

Trakanon Raider
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Quineloe_sl said:
A mail from the CEO to the entire company is not the first step, it's one of the last ones. They probably already know who'll be fired anyways.

Unless the company is Dilbert-level mismanaged, you wouldn't have been hired in the first place. There's probably been a hiring stop for a longer time for the other departments. Can you tell from intranet entries who was hired where in the last 6 months? My guess is that you're the only new hire for a while.
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It's an $18 billion company. I wouldn't say it's mismanaged, just dealing with significant market changes. Our intranet isn't searchable like that, and is far too large to really know who has been hired around the same time as me. I do know most of my team is about a year old, and their hiring coincides with a round of layoffs last year as the company restructures. I'm certainly not the *only* new hire, but there aren't a ton of us.

My only real concern is some bean counter reverting all hires within the last 60 days or something as a shortcut. The execs know that our team is still understaffed, and key to the new direction they're taking us.
 
Angelwatch

Angelwatch

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We normally try and keep a few months of reserves in our savings account but the past few months we took a big hit. We went on vacation and after getting back we both ended up having to buy new vehicles. Had the vehicle thing happened first the vacation wouldn't have happened. Mine was 11 years old and hers was 9 years old. We both knew we were due but never expected to both need a new vehicle, basically, at the same time. The hope was to stagger purchases a bit but that didn't happen. Now we just need a couple of months to get back on track.
 
Cad

Cad

scientia potentia est
<Bronze Donator>
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Generally you should figure up about how much you're going to spend on vehicles and amortize that over the time you plan to keep it so that you don't get "hit with expenses" when you buy a vehicle. It should already be in the budget and your savings/investments should be bloated with that car money until you buy it.

Or, try to buy with 0% money from the manufacturer so it's correctly amortized.
 
Xequecal

Xequecal

Trump's Staff
11,559
-2,388
I have several co-workers on the same floor as me that all have household incomes in the 125-150k range and they're so hard up for money/in debt they have to buy the ripoff short term disability insurance that pays out after 14 days rather than after 30 because missing one paycheck from one income would cause them to get services turned off. Like they're literally already months delinquent on several bills. Every time I question this I get the same response, "Just wait until you have kids, then you'll understand."
 
Borzak

Borzak

Bronze Baron of the Realm
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I know several people like that. Friend of mine who makes >$100k a year as well as his wife makes that as well couldn't buy food after Katrina because the state was late for two weeks on direct deposits. Most places didn't have credit card machines up and running but you could get cash at the ATM and then buy groceries.
 
Angelwatch

Angelwatch

Trakanon Raider
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We had already budgeted for the monthly payments. It was just the suddenness of two down payments two months apart right after getting back from vacation that caught us off guard.
 
Quineloe

Quineloe

Ahn'Qiraj Raider
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You bought two cars and you have to finance both of them?

I wonder why you're going on vacation in the first place.

What happened to your cars anyways that they're broken beyond repair?
 
P

Picasso3

Silver Baronet of the Realm
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What are car loan rates there quinny? Over here they're so retarded it probably works out better to take them.
 
Angelwatch

Angelwatch

Trakanon Raider
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We took vacation before we knew we'd be buying the cars. As to what was wrong with them a lot simply had to do with age. Mine was 11 years old and hers was 9 years old.

Short term it hurts the finances a bit just because of the unexpected expenses but we pull well north of six figures between our two incomes with no kids. I think we'll be fine.
 
Quineloe

Quineloe

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Picasso_sl said:
What are car loan rates there quinny? Over here they're so retarded it probably works out better to take them.
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+10% on the price on every single financing contract I've ever seen. And from my limited experience you're in a much better situation to haggle on the price if you can pay it in full right there.
 
AladainAF

AladainAF

Best Rabbit
<Gold Donor>
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There are a few people on this board that know the specifics of exactly what I do (though I'd prefer they not say heh). But I actually have my own business in SL. While everyone tends to make fun of SL (for good reason in most cases) - when I show them how much I make, they get really quiet.

Quineloe_sl said:
+10% on the price on every single financing contract I've ever seen. And from my limited experience you're in a much better situation to haggle on the price if you can pay it in full right there.
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Complete opposite here in the states. You are worse off paying cash, the dealer won't give you near the deal because they make money off financing you. Additionally, car loan rates are STUPID low here, much much lower than what you stated. The only time cash is king when buying a car is from some run of the mill scummy used car salesman, or if you have shit credit.

Wife and I just bought a 2016 limited fully-decked out with everything imaginable Toyota 4 Runner 2 weeks ago. After tax, title, license, 7 years of toyota care (toyota care is a fab deal btw) we ended up paying a little over $51,000. We put $11k down and took out a $40,000 loan for the rest. The kicker is my bank doesn't care if it was for 1 year or 5 years, it was 1.45% period end of story. So we got it for 5 years (why not?). We can get a better than 1.45% return on the $40k ourselves and the monthly payment isn't a big deal with our income.

rrr_img_117603.png
 
AladainAF

AladainAF

Best Rabbit
<Gold Donor>
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there is nothing worse than that. Fucking sucks, because the instant first impression is horrible.
 
T

Tenks

Bronze Knight of the Realm
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607
Quineloe_sl said:
+10% on the price on every single financing contract I've ever seen. And from my limited experience you're in a much better situation to haggle on the price if you can pay it in full right there.
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Yeah over here in USA I consider 3% high for a car loan and thats for usually sports cars. Your everyday car you can get 0-2% financing pretty easy if you have decent credit.
 
Noodleface

Noodleface

A Mod Real Quick
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AladainAF_sl said:
there is nothing worse than that. Fucking sucks, because the instant first impression is horrible.
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Yeah I looked like a shithead. My nose was running nonstop, kept sneezing and coughing, and my eyes were all watery. The guy next to me must've thought there was something wrong with me. Plus ym commute for those days was like 2 hours one way
 
T

Tenks

Bronze Knight of the Realm
14,163
607
Not on the same level but when I was 15 and starting my first ever job the week beforehand in gym class I got kicked in the face and I had the biggest black eye you've ever seen
 
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