How To Negotiate Your Salary At A New Job

You’ve been job hunting tirelessly and you finally found something. A company called you up and offered you a new job. Great! Good luck on your first day! Wait, let’s back up a minute.

There are some things you need to consider before you accept that new job. Nobody likes to be job hunting so a lot of people jump at a job offer, even if they aren’t sure that’s what they really want.

And they definitely don’t ask for more money. They’re afraid if they do the job offer wil be rescinded and it will be back to sending out resumes and cover letters to a bunch of other companies.

Let’s say you’ve done your homework, your resume did its job, you aced the interview questions and this is definitely the job for you. Great.

But let’s face it, they aren’t going to offer you what they are willing to give you right up front. After all, most people never bother negotiating salary when they get a job offer. Well, that’s about to change.

If you’ve done the job hunting the right way, you should be very familiar about the salary range for this position.

If you don’t know do your homework, check out web sites, etc. You need to know the going rate.

Find out how this particular company gives raises – how much is based on cost of living adjustments and how much you can expect to make based on merit and job performance.

Are these above or below the industry average? How often can you expect raises? Every six months? Once a year? How does this compare to the industry average?

When negotiating salary at a new job (or later for a raise) you need to know these things. You can’t just ask for x amount or a certain size raise.

You have to be prepared with the information that shows the company that you are worth that amount of money.

Make a list of all your attributes, of the things that you bring to the company that make you worth x amount per year. You are selling your skills to the company, just as if you were selling a high priced product to a potential customer.

They aren’t going to buy it and pay what you want just because you tell them that’s the price you want.

Go into salary negotiations prepared with the right data and a presentation and report justifying what you want to make, and you’ll have a much better chance of getting the salary you want.

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Catastrophic Health Plans Are Still the Best Deal employment at wil

Why people spend $300 per month extra just to get a co-pay escapes me. Catastrophic health plans are still the best deal. If you use the PPO card, you will get discounts of around 40% anyway, so why bother with co-pays? How many times a year do you or a family member go to the doctor? Can you afford to pay a $100 doctor visit? Can you afford to pay a $100,000 hospital bill?

This is why I specialized in selling coverage to self-employed people. They do not get sick as often as those with group insurance and when they do they have to work, so they just buy over-the-counter meds and go about their business.

Catastrophic health plans are still the best deal because their premiums are 2/3 less than group coverage. The disadvantage is that underwriting applies, so these types of plans are not for the ill.

In addition everyone can tell their doctor to send all samples (blood, urine) to Quest Diagnostics and save 80%. You can do this even if you do not have insurance. This also applies to co-pays for tests. A waste of premium.

Oh, it’s always better to get a higher deductible, even $10,000 for a family. The difference in premium savings wil easily offset the high deductible. Always choose the high deductible.

So choose wisely. Consider premiums and benefits before making an informed decision. You might wish to seriously consider that catastrophic health plans are still the best deal.

Catastrophic Health Plans Are Still the Best Deal