I live in Toronto I recently started a full-time job (two weeks ago) and I've been using a debit card (with RBC) for the past five years. I didn't want to get a credit card because I didn't want to get sucked into the system. But yesterday changed my outlook on things, so I decided to apply for a low interest card. Question is, what options do I have and would I get accepted? [more inside]
A print company owner is asking me what my pay requirements are to join his staff as an illustrator. How much do people who do this kind of thing make? [more inside]
My company is undergoing the first steps into being sold. How do I stop panicking long enough to figure out my next steps? [more inside]
I'm attempting to make a big change to help myself professionally and the challenges are proving much more formidable than I anticipated. [more inside]
I posted here about my financial situation of being on disability for mental health reasons. Right now my PTSD symptoms are huge and all-consuming, so I am not able to accomplish much at all. However, I'm hitting a financial crisis point and need to find some remedy. My credit is too bad to get any kind of loan and I don't know who I could ask for one personally. Do you have any suggestions?
Imagine you have the choice of taking (1) a very lucrative but highly demanding and stressful job in your current city, and (2) a federal job that requires a move and that pays only 25% of the lucrative job. Job 1 comes with an initial 2-year contract. While there's a possibility of getting sacked after two years, I imagine they'd renew the contract for at least two years, and if I'm performing well, I could keep going after that. If I got sacked, I could probably find another similar but probably less lucrative job, but it would take time and be quite stressful. Federal job is presumably more stable. Which would you take? Possibly relevant details: early 40's, married, no kids (and no plans of having any), very substantial savings to date, home-owner (with mortgage), currently living in big city. Interested in hearing your life experiences vis-a-vis working life and retirement. Are there benefits to trying to maximize income early and getting out of the game, vs a more slow and steady approach that provides more security? I'm clueless about retirement and recognize that a financial planner could help, but for now I'm more interested in hearing other's experiences.
Fellow sons and daughters of MeFiDom! I have taken your advice (that is, the extract from the collective juice from all your advice) and I was direct in the way I discussed money with my client. As a reminder, this is my previous post. Alas.. they didn't respond, so I figured my price was too high. Problem is, it's a project I really like. What now?
Say a client hires you, a freelance creative person (artist, writer, designer, ...) for a project without bringing up the budget or asking about your fee. The client is valuable and you want to come across as smooth, friendly, and of course professional--so what are clever ways of approaching the subject?
I am unable to work because of disability. I collect SSDI and while I get food stamps, I only get $17/month, which doesn't go very far. Since I went on SSDI in 2010, I've tried various ways to supplement my income, but I have yet to come up with anything reliable. Budgeting is not the problem; there simply isn't enough money. Plus, it would be nice to improve my quality of life even a little bit. [more inside]
I recently accepted a promotion. Awesome. The problem is, my old boss has subsequently put a moratorium on people leaving my current department for 3 months. We are desperately short on resources, so I am sympathetic to his predicament, but at the same time, I am very bothered by a few things: 1) Since I accepted the offer, he has piled more work on my plate that he expects me to finish regardless of how long it takes. This would include projects that spill over the 3 month moratorium. 2) I spoke to him about applying for this new position before he announced this policy and he never mentioned a thing. He always mentioned we would do a 'transition plan', which if you read point 1, doesn't sound like any type of transition plan. He announced this policy 1 day after I was extended an offer. 3) The promotion is a $15k jump in compensation. I will be seeing none of that for 3 months because of this policy. [more inside]
Hi, My ten year old daughter wants to start getting an allowance this summer when school is out. My husband and I thought about it and we thought 10 dollars a week would be good. But we are trying to decide the pros and cons of attaching the allowance to chores. [more inside]
My girlfriend received a lawyergram stating that a former employer overpaid her nearly five years ago, and is just now asking for the money back. She believes she was never paid for that period, and obviously doesn't want to give them money to which they are not entitled. Details below. [more inside]
Every month my company sells roughly $15,000 worth of monthly recurring revenue contracts with five year term lengths. The service sells for $1,000 per month so every month we sign on 15 new customers. $15,000 * 12months * 5 years = $900,000 (total contract revenue for all 15 contracts sold during the month) We've maxed out our borrowing on physical assets held by the company and I need to find a way to unlock these revenue streams to use as collateral for further growth. What's the best way to do this? I would prefer to not have to go to every customer and amend their contracts in any way. Thanks!
My husband is miserable at his job and would like to change. This will likely mean a cut in our income and taking on more debt for him to go to school. How can I be more supportive when I worry about the change in our financial circumstances? [more inside]
Just shy about it and want to minimize awkwardness [more inside]
I am a 25 year old woman, and handing in my thesis tonight for a Master’s in English. I am at a crossroads in my life, and it’s making me very confused. My original plan was to go on to complete a Ph. D and become a college professor of English, while working as an adjunct instructor to gain teaching experience. But with the expense of living being what it is, as well as the student debt I’m in, I’m not sure if it’s worth it. Not only will a Doctoral program take me to greater debt, but working as an adjunct wont pay very well at all, and doesn’t come with benefits. I would need to take a handful of other part-time jobs to supplement the adjunct salary, just to pay the bills. [more inside]
Recently I have had to come to terms with the fact that 1) I am somewhere on the autistic spectrum and 2) I am working in a field that is not ever going to be very accommodating for me. Advice and pointers needed; secret spices, more info and toy inside. [more inside]
I've been in my (professional, middle management) job for nearly 6 years, and I've never had a raise. I would really like one. In fact, I've decided that if I don't get a salary increase this year, I'm going to have to start looking around, despite the fact that there are a lot of things about my job I really like and I'm generally pretty happy in it. So I call on the massed wisdom of MeFi to help me ask for a raise. [more inside]
My parents have always worked night shifts as a nurse at a geriatric support centre, and as a mail sorter for the post office. They make enough money. They've made their schedules work for them, and also raised 4 kids while doing so. Because of their shift work, they do get a lot of time off-- maybe working double shifts sometimes, or three 12-hour shifts in a row, but then they get 3 days off. They also tend to know their schedules a month ahead of time. I do not work well in a 9-5 M-F schedule, so I'd like to know what are other similar jobs to this. [more inside]
I have no money in my bank account and zero income. I have 29 days to come up with $800. What do I do? [more inside]
How do I negotiate a raise given an increased cost of living, lower-than-median pay, but also a list of great accomplishments and accolades? Do I present it all, just parts of the situation, or something else? I know that traditionally you just make a case for your value to the company and leave it at that, but I feel more is at play here. [more inside]
This is a work question, but probably is more psychological than practical. I’m 32 years old, currently unemployed. That’s no big deal given the economy. What is a big deal is that despite my “best” efforts, I’ve been in and out of work or dissatisfied for my whole working life. [more inside]
I need some perspective on my situation and ultimately help deciding whether to quit my 2nd job. This is a job I picked up due to financial anxieties and instability with my full time company. [more inside]
A good job for my wife to supplement my income? Actually she is not my wife yet but soon when we move in together she will want to take some sort of job. Mainly this is for the money, but also we will be living somewhere different so for her it will be a way of meeting new people and hopefully making some new friends. [more inside]
I teach writing to adults. When they ask me to edit something that's not for class (say, for their professional work), can I refer them to my private writing/editing business, even if they're currently enrolled in my class? [more inside]
The new hire is making more than someone who has been there for years and is still doing most of the work. What should I tell my coworker so that she can negotiate a fair salary? [more inside]
Just received a long-awaited promotion. However, the accompanying pay raise was a massive disappointment, and now I'm strongly considering looking for a new job. Is it worth it to ask for more money? If not, should I stay at my current company or find a new job? [more inside]
There's nothing nefarious about this, I got too caught up in work. What's the best way to catch up on a few years of tax returns? [more inside]
Is attending a graduate school of banking worthwhile? [more inside]
I can’t really decide how to quit my job. I know I want to quit – the reasons for wanting to quit are justified, but I thought about giving my employer some kind of choice before I just kick the bucket and not come back. [more inside]
Friend working overseas for an USA company. [more inside]
I find this comparison really confusing. I'm starting the job in August. I'm an early 30s married woman who would like to become pregnant in the next year. The contract only lasts through the end of 2014. I do want to continue on working there, but I have no idea if additional grant money will become available at that time. Which plan would you choose? Or, failing that, which are the important factors to consider?
I went on a long, long break form my creative career cause I was feeling burnt out due to some failures and now I can't seem to get back into it, possibly because I no longer have a financial incentive to do so. How can I fix this? Warning: Long, super privileged person problems. [more inside]
I'm a law student in Ontario, just about done 2 years out of 3. I absolutely hate the academic aspect of it, and I'm pretty miserable. I didn't particularly enjoy the practice experiences I've had either, at 3 different legal-aid type clinics working as a student in family law, criminal law, and landlord/tenant matters. I have invested a lot of money into pursuing this law degree. Should I be giving serious thought to finding something else to do with my life as soon as I graduate, or should I stick it out and work my hardest to try to get a paying job in the legal profession, in the hopes that I will be able to pay off my student loan debt? [more inside]
Looking for lifehacks to help me thrive in a stressful high-pressure job working 50+ hours a week long-term. I am special, find out why.. [more inside]
First time filing expense reports. How do you guys make it easier? [more inside]
My former employer mailed me my last paycheck almost a month after firing me, and after enduring an awkward hearing that included being scolded by her in front of a hearing officer, I ended up winning. How do I collect my money? I live in California. [more inside]
How long must you wait before making a counteroffer during salary negotiations? [more inside]
How much of a bad idea is buying a car a month or so before buying a house? [more inside]
How can I renegotiate my salary in light of this job posting? [more inside]
How to pursue check theft with my employer [more inside]
I'm currently looking for work in Japan. I'm scouring the internet, Dave's ESL cafe, ALT (assistant language teacher) listings and am not really looking for help in that respect. If you have any suggestions however, I am happy to hear more. The only exception would be if anyone knows of any Eikaiwa (Private school) jobs or any forums that post job listings.. It is my question that since the work is not always steady and there is the possibility I would go there just to tutor, there is waaay too much flux in my ability to pay for rent. I need help figuring outside work. Outside of selling Japanese items around the world, I'm trying to figure out ways to make money with a general skill set. I'm vocal enough and confident in my speaking ability so I figure I can lead tour groups on my free time and post the listings on craigslist. I'm also looking into working as a waiter or dishwasher, but I was hoping for some help generating ideas. Thanks! PS - I alreadly have information on career cross and gaijin pot. If anyone knows any temp agencies are teacher employment agencies, that would be appreciated as well.
You are a high school graduate with no other experience and credentials. You need a higher-paying job to be able to support yourself. What do you do? [more inside]
Finishing my MBA and would really like to know what adjunct or introductory online teaching opportunities are out there. What resources are out there? What would I be qualified to teach? Are there any other additional certifications that I should obtain? [more inside]
Advice Wanted: I'm a MBA graduate with 10 years of business experience and $50,000 in cash and am looking to start my own business. What would you do in my situation? Advice? [more inside]
You have your own business (or like me, help manage one). You have an initial consult fee which is lower than your hourly rate but still a high number ($250). When you receive cold calls, how do you broach the number without clients freaking out. We do not to any free consultations. Examples inside. [more inside]
I am so overwhelmed and struggling right now that it feels like I have no options and I'm intractably stuck. I know logically that I do have options but I can't sort out what I could do from what I shouldn't, what might work from Just Don't Go There, and getting objective, realistic advice is difficult. [more inside]
I do NOT want to come in to work today. My shift begins in 3 hours and I'm seriously considering just not showing up. One week working there and I already want to quit - HELP! [more inside]
Should I quit my job? Much more inside. [more inside]
I have a job interview coming up on Wednesday next week. I want to ask some questions regarding working hours and money. Should I, and if so, how should I frame the questions? [more inside]