Questions in the Work & Money category.
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I have a term life insurance policy with Genworth, and recently got notified that this company was downgraded to a B++ by the rating agency. I know you aren't my lawyer, insurance broker, or investment advisor, and I will contact these people for specific advice for me. But in general, does this downgrade of the company mean that the policy is likely to be worthless? Should I look for another company?
We are trying to refinance our mortgage, and the appraisal came back low. Now our loan to value ratio is lower than expected, and the closing fees are higher. We don't feel like the appraiser did his job correctly (more inside for details). We are pretty sure a second appraisal would come back much higher, but the cost of the appraisal is about the same as the increase in fees. What should we do? Have you successfully contested an appraisal (is such a thing possible)? If not, can we use this low appraisal to request a lower assessment on our property taxes? [more inside]
My boyfriend and I have just moved to Los Angeles and need an apartment ASAP. We have both been out of the rental market and out of big-city-living for over 10 years, and also have some unusual circumstances that might make us seem less-than-ideal to a potential landlord. Please help us figure out what paperwork/etc. we need (Special snowflake details inside.) [more inside]
I've been denied California short-term SDI benefits because I filed too late. I relucantly filed at all because I now desperately need the money, so I must appeal. How best can I phrase my appeal to get my best chance at a reversal? [more inside]
The business is in Puerto Rico, but the bank they use doesn't have any branches in the mainland U.S. [more inside]
I'm in my early 30s and graduated in 2008. As a result, I feel like I've never had a career and am starting to panic about the future. Can I ever pull it all together? [more inside]
I've been approached by two independent companies, one in the UK and one in the US about providing specialised consulting work (development and troubleshooting) for them. The problem domain is networking and systems software. I'm looking for advice on how much to charge. More details inside. [more inside]
I was offered a new job, but I'm not sure if I can negotiate a better salary at this point. Don't want to upset the apple cart, but don't want to get short-shrifted either. Advice? [more inside]
Long story short, I applied for Project Manager position on Team A at a company. I got to the final rounds but ultimately got rejected. This was about a week ago. Today, I just found a new posting from this company for another Project Manager role, but on Team B (i.e., same role, but with a different hiring manager and set of people) and I want to apply for it. What are some things I should think about? More details below. [more inside]
Hi Metafilter friends! I'm a mid-career professional seeking some advice about how to transition to a robust freelance career that relies on quantitative analysis or accounting skills. (Feel free to head straight to the comment section and start brainstorming, or read on for more.) [more inside]
Is it ethical and/or advisable to use a resume that gives an impression that you are younger than you are? Does it matter ethically whether you wrote the resume with the intent to deceive, or just wrote it the way that made sense and then benefited from the mistaken impression it gave? Snowflakes inside. [more inside]
Mrs. Ivan and I need new insurance on our home and autos. I'm in Oklahoma, and trying to dodge the "Actual Cash Value Endorsement" scam. I'm really looking for help in research: looking for best value/best coverage for the dollar, of course. Any recommendations as to research avenues? [more inside]
I recently started a new job, and quickly realized it was a big mistake to accept the position. I'm searching for other opportunities but don't know what I should say to my references about the situation. [more inside]
[Difficulty Level: Australian Higher Education] I've just started a new part-time job, as a technical officer in a higher-ed performing arts institute. My single-occupant office, tucked away behind a loading dock behind a theatre, doubles as a soldering/technical maintenance workshop. [more inside]
Asking for a friend: I'm looking for business-minded arguments or resources for dress codes that would not allow more obviously controversial symbols like the Confederate flag, but perhaps not so stringent that it would forbid t-shirts with quasi-political, positive messages (more context below the fold) [more inside]
I've had a few offers to interview at companies in other states and the major thing holding me back from responding has been a fear of having to handle the difficult task of moving. I know it's common for companies to offer a relocation service but how do these actually work in practice? Does it actually take the stress out of moving? I'm looking for your detailed experiences in both negotiating a relocation package and using a relocation service (employer provided or otherwise).
how do I determine if the tech startup interested in hiring me is likely to stick around for more than the next couple of years? [more inside]
I've started a Master's degree at a top university in the world (for my field) in Europe. It is an incredible opportunity that is very unlikely to come around again. However, I suffer from depression and being away from my support system while in a rigorous academic program does not seem to be the best for my mental health. My friends and family say they support me no matter what, but they all tell me that if I leave this program I will regret it for the rest of my life, and I'm afraid of living with regret. [more inside]
We just got married. Is there a compelling reason to combine our finances? [more inside]
I'm currently writing a non-fiction book that will be published next year. I want to hear your best tips for keeping things running smoothly - especially towards the end of the publishing process. Specific circumstances inside. [more inside]