My GF has a job interview in 90 minutes...*interview lasted 2.5 hours! Sent to 2nd interview!*

[MichaelD]

She really, really needs to land this job, b/c she really, really hates her present job.

She is in the banking industry. She is very good at what she does, but isn't into the whole office politics thing. Truth be known; she doesn't play well with the other children...doesn't talk about the other women behind their backs (like the rest of the office does) and doesn't hang out with them after hours...so she's a pariah of sorts.

But she is very skilled and likes the banking industry.

I figure talking about it will spread some "good karma." Honey, I've got my fingers and toes crossed for you!

 

[vi edit]

Thinking "happy happy" vibes for MichaelD's g/f. NO not *THOSE* happy happy vibes!

 

[MichaelD]

Originally posted by: vi_edit
Thinking "happy happy" vibes for MichaelD's g/f. NO not *THOSE* happy happy vibes!

Heheheheh. Thanks, Vi.

I should know something early this afternoon...it's actually more than an interview; it's the whole pre-employment process. They are making her take practical tests as well as filling out all the background check paperwork...easy stuff since she's currently bonded anyways. Notary public too.

 

[fluxquantum]

good luck to her.

 

[Mister T]

what kind of banking?

 

[MichaelD]

Originally posted by: Mister T
what kind of banking?

Regular "banking", banking. Branch service. Teller line, home/auto/personal loans, notary public, IRAs, CDs...that kind of thing.

 

[TomC25]

*sends good wishes

By the way, would she be able to help you in getting a loan for a house?

You know you can't be fully happy until you have a garage where you can work on things.

 

[wyvrn]

Good luck to your honey!

I am the same way, I don't get involved in office politics. I don't make rude comments behind people's backs, I think that's cowardly. But I have always done well in the workplace and been promoted, not to mention favorite of most of my managers because of my work ethic. Your GF will be fine.

 

[shopbruin]

good luck to her!

i hear you on the office politics... i'm not one to kiss behind outrightly and overtly as some people that work here (grr) nor do i act overly cynical about things (as another person does...) so i feel left out also. darn this trying to do my job as best as i can.

*sigh*

but good luck to her! all the best karma in the world to getting her a new job.

 

[MichaelD]

Originally posted by: TomC25
*sends good wishes

By the way, would she be able to help you in getting a loan for a house?

You know you can't be fully happy until you have a garage where you can work on things.

*sighhhhhhhh* A garage....woooooooow....*salivating*...workshop......places for all my tools.....INDOOR parking for my vehicles....oooooooh----ahhhhhhhhhhhh.

You tempt me, Sir, w/visions of lovliness!!!!!! I can't afford a house payment right now...well, I could, but I'd have no money for the little things....like food.

 

[vi edit]

You tempt me, Sir, w/visions of lovliness!!!!!! I can't afford a house payment right now...well, I could, but I'd have no money for the little things....like food.

That's what a lot of people say. Many times, it's not true, unless you have some sort of freakishly low rent payment.

After I refiance my house, my monthly mortgage is going to be about $100 more a month that I was paying for rent for an apartment with half the space, no garage, and old junkie appliances. The only utility bill that went up is the electric bill in the summer from air conditioning and homeowners insurance, which was like $30 a month.

The bonus is that all the interest on my mortgage is tax deductable. This year I'll pay just about $7,000 in interest. All of that is a write off on my income tax. I actually end up saving money because it drops me down a tax bracket.

So for basically the same money as I what I was renting for, I got 2x the living space, an extra bedroom, much bigger living rooms and kitchens, an extra bathroom, a front and back yard, a walk out patio, a deck, two stall attached garage, and brand new appliances(new construction).

As always though, YMMV depending upon local property values.

 

[MichaelD]

Originally posted by: vi_edit

You tempt me, Sir, w/visions of lovliness!!!!!! I can't afford a house payment right now...well, I could, but I'd have no money for the little things....like food.

That's what a lot of people say. Many times, it's not true, unless you have some sort of freakishly low rent payment.

After I refiance my house, my monthly mortgage is going to be about $100 more a month that I was paying for rent for an apartment with half the space, no garage, and old junkie appliances. The only utility bill that went up is the electric bill in the summer from air conditioning and homeowners insurance, which was like $30 a month.

The bonus is that all the interest on my mortgage is tax deductable. This year I'll pay just about $7,000 in interest. All of that is a write off on my income tax. I actually end up saving money because it drops me down a tax bracket.

So for basically the same money as I what I was renting for, I got 2x the living space, an extra bedroom, much bigger living rooms and kitchens, an extra bathroom, a front and back yard, a walk out patio, a deck, two stall attached garage, and brand new appliances(new construction).

As always though, YMMV depending upon local property values.

OK, now my head really hurts. I pay $500/mo for a 1BR/1BTH 700 square foot apartment in a Section 8 complex. The apartment is OK...nothing special. The roof doesn't leak, so I'm happy. Appliances are about 15 years old, but work OK. The complex itself sucks. Facilities like the pool are always broken, no gym, etc. It's a sh1thole.....

However, a nice 2BR/2BTH, about 1000 sq/ft or so in a nice neighborhood is about $900 in my city. :Q Out of my league...now if my GF moved in with me.....*slaps self across mouth* <--[bugsbunny] WHAT AM I SAYING!!!!!???[/bugsbunny]

I could swing a $700 payment...I guess I could afford a house...or a townhome. I will look into it next summer...long story as to why I have to wait that long...but I will. Thanks for the info, Vi_Edit.

 

[vi edit]

Michael,

When i refinance in a couple weeks, I'll be looking at roughly a $700 a month (including PMI) monthly payment. I also have to budget in about $120 a month for property taxes, and $30 a month for home owners insurance. Those are pretty much knocked out by my tax return due to claiming mortgage interest.

 

[MichaelD]

Just got off the phone w/the GF.

The first 45 minutes or so was filling out paperwork. AFter that, she was interviewed by the Asst HR Director for about 90 minutes! Damn, that's a long interview...but a good sign.

Towards the end of the interview, the HR person said "well, if you've got time, I'd like to send you over to the branch where the opening is to meet the manager." Of course, she said "yes!"

What she (GF) is a little pissed off about is that the woman wouldn't talk $$$$$$ w/her. According to the HR, "I'm only allowed to talk salary with brand new, unexperienced people. All persons w/experience like yourself talk salary with the HR director only."

I can understand this, but my GF is young..very inexperienced...her current job is her first "real job"...so only about 3 years "real world" working experience.

So, she's on her way to that branch to meet the manager. *fingers still crossed*

What will most probably happen is that they won't call her to offer/not offer her the position for a few days, then it'll be longer until she can talk money. She wanted to find out TODAY, b/c how much they are willing to pay determines whether she quits her current job or not.

*sigh* Now I have to hear her whine about yet something else for another two weeks!

 

[Fausto]

Originally posted by: vi_edit
Michael,

When i refinance in a couple weeks, I'll be looking at roughly a $700 a month (including PMI) monthly payment. I also have to budget in about $120 a month for property taxes, and $30 a month for home owners insurance. Those are pretty much knocked out by my tax return due to claiming mortgage interest.

$700 a month including PMI? Bastard.

For comparison's sake, I'm out $1100 per month (incl PMI) for my 3/1.5 house on a quarter-acre lot here in Atlanta. That's only $200 more than we were paying to rent a 2/1 condo in a similar area of town. As Vi pointed out, I actually end up being out less money every year thanks to the bigass writeoff of mortgage interest/property taxes/etc. Utilities are a hair higher, maybe $80 per month max power bill (read: a/c in the summer), $1200-ish per year in property taxes (gotta love unincoporated Dekalb county), plus a few hundred per year for water/sewage. Home Depot bills are another thing entirely, but those are largely self-inflicted.

 

[TomC25]

That is great that she has gone that far with the interview process.

Things are looking good.

I do understand the pain with waiting for a company to call you with an offer.

My wife was off work for 4 months and there were a few times like that.

The job she ended up getting seems to be a GREAT fit.

I have to say that our payments went up pretty much when we went from an apt to a house.

We went from $585 for a small 2 bedroom to $870 for a 3 bedroom 1.5 bath home. (everything included)

The amount of money spent on bills went up slightly because of water/sewer and trash bills.

Knowing that the money we spend on our mortgage creates equity instead of lining a person's pocket brings a big smile.

 

[notfred]

Originally posted by: MichaelD

Originally posted by: vi_edit

You tempt me, Sir, w/visions of lovliness!!!!!! I can't afford a house payment right now...well, I could, but I'd have no money for the little things....like food.

That's what a lot of people say. Many times, it's not true, unless you have some sort of freakishly low rent payment.

After I refiance my house, my monthly mortgage is going to be about $100 more a month that I was paying for rent for an apartment with half the space, no garage, and old junkie appliances. The only utility bill that went up is the electric bill in the summer from air conditioning and homeowners insurance, which was like $30 a month.

The bonus is that all the interest on my mortgage is tax deductable. This year I'll pay just about $7,000 in interest. All of that is a write off on my income tax. I actually end up saving money because it drops me down a tax bracket.

So for basically the same money as I what I was renting for, I got 2x the living space, an extra bedroom, much bigger living rooms and kitchens, an extra bathroom, a front and back yard, a walk out patio, a deck, two stall attached garage, and brand new appliances(new construction).

As always though, YMMV depending upon local property values.

OK, now my head really hurts. I pay $500/mo for a 1BR/1BTH 700 square foot apartment in a Section 8 complex. The apartment is OK...nothing special. The roof doesn't leak, so I'm happy. Appliances are about 15 years old, but work OK. The complex itself sucks. Facilities like the pool are always broken, no gym, etc. It's a sh1thole.....

However, a nice 2BR/2BTH, about 1000 sq/ft or so in a nice neighborhood is about $900 in my city. :Q Out of my league...now if my GF moved in with me.....*slaps self across mouth* <--[bugsbunny] WHAT AM I SAYING!!!!!???[/bugsbunny]

I could swing a $700 payment...I guess I could afford a house...or a townhome. I will look into it next summer...long story as to why I have to wait that long...but I will. Thanks for the info, Vi_Edit.

I thought you said your primary job paid well?

 

[MichaelD]

Originally posted by: notfred

Originally posted by: MichaelD

Originally posted by: vi_edit

You tempt me, Sir, w/visions of lovliness!!!!!! I can't afford a house payment right now...well, I could, but I'd have no money for the little things....like food.

That's what a lot of people say. Many times, it's not true, unless you have some sort of freakishly low rent payment.

After I refiance my house, my monthly mortgage is going to be about $100 more a month that I was paying for rent for an apartment with half the space, no garage, and old junkie appliances. The only utility bill that went up is the electric bill in the summer from air conditioning and homeowners insurance, which was like $30 a month.

The bonus is that all the interest on my mortgage is tax deductable. This year I'll pay just about $7,000 in interest. All of that is a write off on my income tax. I actually end up saving money because it drops me down a tax bracket.

So for basically the same money as I what I was renting for, I got 2x the living space, an extra bedroom, much bigger living rooms and kitchens, an extra bathroom, a front and back yard, a walk out patio, a deck, two stall attached garage, and brand new appliances(new construction).

As always though, YMMV depending upon local property values.

OK, now my head really hurts. I pay $500/mo for a 1BR/1BTH 700 square foot apartment in a Section 8 complex. The apartment is OK...nothing special. The roof doesn't leak, so I'm happy. Appliances are about 15 years old, but work OK. The complex itself sucks. Facilities like the pool are always broken, no gym, etc. It's a sh1thole.....

However, a nice 2BR/2BTH, about 1000 sq/ft or so in a nice neighborhood is about $900 in my city. :Q Out of my league...now if my GF moved in with me.....*slaps self across mouth* <--[bugsbunny] WHAT AM I SAYING!!!!!???[/bugsbunny]

I could swing a $700 payment...I guess I could afford a house...or a townhome. I will look into it next summer...long story as to why I have to wait that long...but I will. Thanks for the info, Vi_Edit.

I thought you said your primary job paid well?

How much you can afford for things is relative. You can make good money, but have big bills/expenses as well. That's where I'm at.

 

[MichaelD]

Well, the second interview w/the branch mananger went well. Lasted about 45 minutes.

She called back the HR person and was told "we'll be in touch in 2-3 days." Business days, I'm sure; so that means Tues/Wed of next week.

The upsetting thing is that they haven't talked $$$ yet and that is always the deciding factor (obviously, this isn't a "stock opitions and company car" kind of job.)

 

[Crab cake]

Originally posted by: Fausto1

Originally posted by: vi_edit
Michael,

When i refinance in a couple weeks, I'll be looking at roughly a $700 a month (including PMI) monthly payment. I also have to budget in about $120 a month for property taxes, and $30 a month for home owners insurance. Those are pretty much knocked out by my tax return due to claiming mortgage interest.

$700 a month including PMI? Bastard.

For comparison's sake, I'm out $1100 per month (incl PMI) for my 3/1.5 house on a quarter-acre lot here in Atlanta. That's only $200 more than we were paying to rent a 2/1 condo in a similar area of town. As Vi pointed out, I actually end up being out less money every year thanks to the bigass writeoff of mortgage interest/property taxes/etc. Utilities are a hair higher, maybe $80 per month max power bill (read: a/c in the summer), $1200-ish per year in property taxes (gotta love unincoporated Dekalb county), plus a few hundred per year for water/sewage. Home Depot bills are another thing entirely, but those are largely self-inflicted.

$700 a month is slightly more than what my girlfriend and I are paying for insurance on our 3 cars: 98 A4, 2000 PT Cruiser and 2001 S2000. (Holy promotion! See sig) Where is this place you're talking about? Detroit? I have you and yours have a good life insurance policy.