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If I had a nickel for everytime I heard the phrase “if we go IPO…”, I could probably buy a nice video game. I have been working in private companies since I graduated college and everywhere I go engineers are dreaming of their companies going IPO and becoming the next Google. I am sorry to be a party pooper but the fact is that very few companies become public, and even if they do it’s very unlikely that rank and file workerbees like me would become fabulously rich. These are the lessons I have learned about stock options and I would like to list the reasons why most people don’t become rich off them.

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So I haven’t written that much this week because I started a new job on Wednesday. So far it’s been going really well. I like my new coworkers very much and one of the company founders went to the same college as me. Well, actually a lot of my new coworkers are my former college classmates so it is actually quite fun. With this new job comes some new changes that I will write about in the coming months. For example, I will transfer out of my crappy former 401k that I described . My new employer’s 401k program is through Fidelity once again, and so I am a happy camper and I can roll all my 401k money into one place. Additionally, I have set up my direct deposit to deposit straight into my Vanguard money market account because I never really use my checking account except to funnel money. Vanguard’s direct deposit set up is actually quite cool and you can deposit your paycheck into any number of funds. Finally, I will need to make a decision on whether or not to exercise my vested options at my ex-employer. I do still have about 3 months to exercise my options and I am thinking of doing it in January so that in case I do trigger the AMT I would have to pay it in 2009 instead of 2008. By then, perhaps my old employer would go public (Hah! I wish). At this point, I think the options at my old employer is still worth exercising even though private stock is an illiquid asset. Besides those things, my pay schedule is now synced up with my hubby’s so monthly financial updates should be easier to manage. At my old company I got paid on the 7th and 22nd while he got paid on the 15th and end of the month. So that difference in pay schedule forced me to check our bank accounts every week.

Anyway, I think the hardest part about a new job is really just the first month. After that I can usually get into a regular schedule and comfortably finish my work. Right now I’m trying to get used to the fact that people on my team come to work even later than I do. On Friday I went to work at 11am and I was the first one there. I also got the last cube available in the entire office space and so I’m in the middle of a bunch of boxes and next to the IT lady who talks on the phone all the time about her kid and grandmother. However, that is all going to change soon because the entire company is moving to San Mateo in two weeks. I am looking forward to sitting close to my team and getting a newer office space. It is also ironic because I just left a job in San Mateo and I’m going to move right back. I will definitely see a lot of my old cohorts hanging around downtown San Mateo during lunch. It should be fun because I will get to introduce my new coworkers to the lunch spots I am already very familiar with and still keep up with the gossip of the old office.

On a purely monetary standpoint I am pretty sure that I would have had a higher salary in the next few months if I just stayed at my old company and gotten my yearly review. However, I felt like it was time to learn something new and move on to a younger company. The VP at my old company also tried to convince me that my stock options may be worth a lot even though I have very few shares. That may or may not be true, and I do agree with the VP that the company should do very well in the future. However, I think my current company has a lot more potential because it is younger and makes a great product. I really see stock options as a “possible bonus”, and I don’t count on them to make me rich. I just feel like I have to move on to stay competitive in the field of software engineering. I am really afraid of becoming one of those people that I interviewed who had 8 years of experience and didn’t know the basics.

So that’s what’s happening in my life, and I am pretty excited to do all of these new things.

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Today I read an article about . The idea is pretty much the same as speed dating. Basically interviewers see as many candidates as possible in a short amount of time and give offers quickly so that they fill up positions quickly. I think this method makes a lot of sense and is advantageous to both the interviewer and the interviewee because it saves everyone’s time and offering quickly gives the company a better chance of snatching the candidate they want. For example, in my most recent job hunting experience the first company I interviewed at pretty much said that they wanted to hire me after two short interviews, but to satisfy the HR process they had me speak to three more people at a later date. They actually told me that the second round of interviews was a formality and that they wanted me to join their team. I thought that the second round of interviews was a waste of time but I still went because the company seemed nice. Actually, they could have just told me what their offer was after the first interviews and I might have accepted it. Because their second interview delayed their offer by a week I interviewed at another company and that company also made an offer, but it was within a day of the interview. The end result was that I went to the second company because it was much more interesting and I knew a lot of classmates that worked at the second company. Speeding up the hiring process really tells a candidate that the company wants to hire him/her right away, and it is to a company’s advantage to do this.

I havein the past few years and I have also been an interviewee on multiple occasions. Generally I know if I like someone within the first few minutes of meeting them. I have read that there were psychological experiments that concluded people make a determination on whether or not they like another person within the first few seconds of meeting them. Basically, regardless of whether you’re an interviewer or interviewee, there is no point in wasting time with people you don’t like. This is more reason why speed interviewing makes a lot of sense. It is advantageous to interviewees, too, because you get immediate feedback and you can either accept a new job or focus your energies on other companies. There is no point in waiting for a response for two weeks because your time is valuable. This is why I enjoy applying to small technology startups because the turnaround is very quick. Large companies are notorious for their HR bureaucracy and I have heard stories of people who were interviewed and never called back for more than a month. In my opinion job candidates should never wait for a response from a specific company and just keep on applying. Basically, if a company has a very slow moving hiring process then they will lose great candidates.

From my experience the companies that had the slowest recruiting processes are also the most bureaucratic companies. They are so overly organized that they’re disorganized. When an orgchart is thirteen levels deep there is bound to be a bit of chaos and frivolity. One example is an internship I had with a extremely large software and hardware vendor. The most ridiculous thing was that it took them a month to get my hiring paperwork done and then because they took so long my background check expired. Then I was required to go to  a different campus  about 20 miles from where I worked to get a keycard. Because of the long process my internship time was very short. When I finished the internship they created a position for me and wanted me to stay, but I chose to get a job elsewhere for obvious reasons. Then after I left it took them another month to mail me my final check. I had to call their payroll to demand it. This is a very well known company and that experience really put me off from working for extremely large organizations after college.

Anyway, I guess my whole spiel is that I am a great fan of companies that recruit quickly. Job hunters should definitely still research the companies that give an offer quickly, and if a company is extremely pushy that is not a good sign either. They should give you a reasonable amount of time to consider your options, but a immediate offer is always a good thing.

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My schoolmate Anna asked the following in a comment:

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Well, first I have to say that everyone’s priorities are different, but my husband and I are saving for both. We are both contributing 17% of our income to our 401ks and we have gotten used to that deduction so we don’t miss the money at all. We don’t totally max out our 401k but 17% is a good amount that we’re both comfortable with. We’re keeping most of what we save outside of our 401ks in a and a Vanguard index fund and we do intend to use the money to purchase a home sometime in the future.

Personally I think that saving for a house shouldn’t be put ahead of saving for retirement. The reason is that money grows exponentially in a retirement fund with time. Generally the earlier you start contributing the larger a nest egg you would have in the end. Diverting your money from a retirement fund to purchase a home would require much larger retirement contributions in the future to achieve the same nest egg. Lets use some real numbers to see what I mean.

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Suppose that I put $1200 a month into a 401k. Since this money is contributed pre-tax, I am actually seeing a deduction of about $800 from my paycheck due to my fairly high tax rate in California. I can withdraw from my 401k at the age of 59.5 without penalty, so I can keep on contributing for at least 35 years. Assuming a fairly conservative average annual growth rate of 7% a year, my nest egg will grow to approximately $1,990,611 at age 59.5. Meanwhile I can still save whatever money I have left for a home.

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Suppose that I need a downpayment of $75,000 for a below median price Californian home and I am saving what I would have put into my 401k into a money market account. I would have to save after-tax money so I could only contribute about $800 per month and lets assume that I use a money market fund that pays 4% per year after tax. At this rate, it would take me just about seven years to save for the downpayment. The $75,000 is good for a 20% downpayment on a $375,000 home. Usually there are other closing costs so actually I need more money to buy a $375,000 home. Just to make this example simple, I will say that $75,000 is adequate for me to buy a $375,000 home and the entire $75k is applied to the price of the home. Suppose that I take a regular fixed 30 year loan on the remaining balance of $300,000 and I get a fairly good rate of 6% I would now have a mortgage payment of 1798.65 per month.

This scenario means that I would lose seven years on my retirement contributions. If I contribute $1200 a month to my retirement for only 28 years I would have only 1,599,377 at age 59.5.  To reach the same nest egg of scenario 1 at age 59.5, I would have to contribute about $2055 per month to my 401k for 28 years. This is not even possible without company matching because the IRS limit on 401k contributions is $15500 a year right now.

Now, some may argue that  savings are going into the home that I bought. Historically, home prices have only risen 2 to 4% over long periods of time. Additionally, there is a 1.1% property tax in California on the value of my home every year even if I have paid it off. In other states the property tax can be very high and completely wipe out the gains on a home. So, suppose that I take an extremely optimistic growth rate of 4% on my home then the home is worth about $1,216,274 after 30 years. However, I am not accounting for the effects of inflation and maintenance costs so I think I would break even at best.  If I put the mortgage money in an investment account instead I would have more than $2,000,000 after 30 years assuming a growth rate of 7%.  In that case, I could use my $2 million and buy a better house with cash.

With all of that said, I realize that not everyone live in a place with and in some places of the country it still makes sense to buy a home because the house payments are less than rents. In those less crazy parts of the country it doesn’t take seven years to save a reasonable downpayment so the potential time loss on a retirement account isn’t as severe. Saving for a home first could make sense for some people. However, it really would take young people years to save an adequate downpayment here in California. In fact, there is nothing decent for $375,000 here in San Mateo and a 20% downpayment on an average home is more likely to be $120000 to $140000. My stance on the subject is to save for retirement as much as you can and as soon as possible. You can still save for a home as much as you can, but you should clearly understand that a home is a cost center, and not a savings vehicle. I still want a house of my own, but I do not expect it to feed me and pay for my health insurance when I retire. I would approach buying a home as I would approach buying any other item, such as a car or a stick of gum. I want a quality home at a reasonable price, and I don’t mind waiting a while for a sale. While I wait to buy a home, I am building up a strong retirement nest egg. I hope I answered your question Anna!

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Welcome to the . On this foggy and ghastly eve of Halloween brings you a creepy collection of money horrors. This edition includes 21 stories about mooching relatives, timeshares, and giant wallops of debt. If you want to have a relaxing day please stop reading here, but if you want to be shocked, titillated, and inspired, please read on!

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Eric presents posted at . This is a well written story about a truly horrible situation. You have to read this article to see why I found this story to be the most upsetting and scary. People really just have to say no to family members that mooch continuously and that is why I say .

Ana presents posted at . I fear debt so much that when I read this story I felt like I was being run over with the kid’s truck. He should really be feeling the weight of his monster truck debt but .

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Millionaire Mommy Next Door presents posted at . Honestly, the picture insert on this post gave me quite a fright, but I agree with the Millionaire Mommy that renting makes sense for a lot of people.

Silicon Valley Blogger presents posted at . SVB’s dry cleaner turned into a real estate agent! I hope that guy will be okay, but the fact of the matter is that .

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Maria Fernandez presents posted at . I am so glad that my parents didn’t buy any timeshares and just took the free gifts and ran.

Betsy Teutsch presents posted at . This is a great story about a couple quite scary things: a timeshare and a golddigging stepmom.

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Brip Blap presents posted at . I actually really liked this story and voted for it over at . It begs the question “have you used your real eyes before?”

Raymond presents posted at . Raymond shows us that being organized and financially prepared could really help in a situation where a family member’s health turns for the worst.

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JvW presents posted at . Group shopping can be pretty dangerous and you can end up with things you don’t really want. JvW shows us how she planned for a group outing.

freefrombroke presents posted at . Marketing people really sell us a lot of things by playing on our emotions. This story shows us a prime example of this manipulation.

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FIRE Finance presents posted at . I have survived a rather large hurricane and quite a few floods, but I think I am still most afraid of fires. FIRE Finance writes about the on going disaster in Southern California.

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FMF presents posted at . My hubby’s ex-coworker went mountain biking with a sewer cleaner, and that’s when I first found out that they made so much money. We pay money to take care of tasks we find disgusting to do, and those with the guts to do these dirty jobs really really deserve the money.

Lynnae presents posted at . Losing your job can be a traumatic experience, but Lynnae seems to see the good parts of being unemployed.

buy cialis online with mastercard posted at I must say paidtwice’s family pays quite a bundle on their health insurance and this post made Brip Blap’s blood boil! Read the article and comments for details.

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caw presents posted at . This is a story of an App-o-rama gone wrong. I guess it could have been a lot worse.

ispf presents posted at . Ispf shows us that we need to check for things that are anomalous on our bank statements. If you’re not careful the sneaky bankers may take your money without your consent!

The Investor’s Journal presents posted at . This blogger reminds us that investing shouldn’t be like gambling, but sometimes it really tempts us to act like gamblers.

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cashmoneylife presents posted at . This story made me feel warm and fuzzy. It wasn’t scary, but it was certainly magical.

Pinyo B. presents posted at . A story that has floated around the net. Very sweet though.

Kyle James presents posted at . I think I would get along with Kyle’s dad.

Lazy Man presents posted at I must say, Lazy Man seems to be enjoying his unemployment.

This concludes the 32nd edition of . Please your story next week if it wasn’t included in this edition! Have a safe and delicious Halloween tomorrow everyone!

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