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Hi Fishes,
This is on behalf of a friend .Can someone please put on some light on the below query ?
Company : Morgan Stanley
Designation : Associate - Global
Role : Compliance Technology Strategy
Division : Legal and Compliance
How is this position for a BE+ MBA , total 3+ years of IT experience in top MNC.What would be the expected CTC and next hierarchy designation ( after a promotion ) ? Morgan Stanley
If you switched jobs in 2021 and aren’t any happier now and or feel even worse than you did before, read this.
I see it time and time again in my coaching practice: If you change your environment without addressing the underlying issues, the underlying issues follow you. Or, as the adage goes, “Wherever you go, there you are.”
https://gusto.com/partner-resources/the-great-regret-nation-why-job-hopping-hasnt-fixed-accounting-burnout
The cutest trio 😊
Hi fishes, what are the chances of Pwc AC bangalore rescinding an offer given the current market condition? The role in my offer letter seems to be pretty generic and during interviews, it didn't look like, they were interviewing for a particular project or team. I have doubts specifically because of HR's behaviour during the whole recruitment process where they never responded to my emails or calls. Is this normal practice?
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Auto policies are universally going up a lot. Aside from the industry-wide movement, USAA’s insurance offerings have greatly deteriorated over the last 5 years or so.
My mom sells insurance and used to never be able to compete with USAA rates. I ended up moving away because their homeowners policies were always trash. Now most companies have a superior insurance offering across the products.
I’d recommend looking for insurance based on the combined ratio. This means for every dollar the company gets in premium, how much do they pay out? You want your insurance to pay for claims, yet we tend to get lost in how much we’re paying in premiums. You might pay less by being insured with company A, but if you haven’t followed the 125 page policy to the T, when you file a claim you’re at a higher risk of a coverage denial or adjusted compensation. State Farm has historically always lost money on their auto claims. I don’t work for State Farm, but I do for a top 3 carrier in the claims dept.
Shop around. I left USAA 9yrs ago for Geico due to cost. Every single year I shop around again and try to find a reason to return to USAA but can’t. The customer service is great, but the pricing isn’t competitive for auto or homeowners. Not even close.
Goddamn, I guess I shouldn't be too upset about my $90/mo then
Haven’t noticed it. Unrelated, but make sure your claimed annual mileage actually lines up with what you drive. We barely drive anymore and claim it as such, and it’s knocked our premiums down significantly.
I did that and it only went down $80, so I just went to progressive. The new PWC office in Miami is going to be a mile and a half from me so my mileage will remain under 10k a year.
Not for me, but that's crazy that yours has.. yikes!
Somebody has got to pay Gronk
Why do you think this change has occurred ?
It’s an industry wide issue based on a few things:
Supply chain issues with parts/cost of parts
Higher severity collisions
Higher value of vehicles involved in higher severity collisions
Increased theft of vehicles
Increased fraudulent claims
Increased severity of CAT claims: hurricane, hail, flooding, fires, storms.
Insurance companies stopped higher during the pandemic when folks stopped driving, killing off a large pool of candidates who fill higher complexity claims departments. As the increase in fraud/complexity/injuries increased, there’s a lot less adjusters able to work those claims, further depleting the candidate pool.
There’s so much more.. but I’ll stop there.
it almost doubled when I moved states a few years ago, stuck with it out of laziness until I switched again to Geico for like 40% lower price. I think they used my move as a chance to pull a fast one. I moved from parking streetside to gated garage too
I checked last year and USAA had the best rates by a huge margin. I just went and checked now, my USAA insurance went up $10/mo to $568/6 mo. I just tried comparing all sites and progressive is $567 with identical coverage if I pay in a lump sum, or 654/6 mo if I pay monthly. That's not a big enough change to justify making the effort to change. Plus, I don't wanna pay 500+ twice a year. But if you can get a better rate, go for it
are vets even safer drivers than general population lol
I'm at $3600 for the year w USAA rn. I stopped around and the savings were marginal making the switch not worthwhile.
Why so high? My SO likes to total "luxury" vehicles every 1.5 to 2 years. I'm glad they haven't booted me yet....lol
I'm not sure "profitable" is the right word...lol
Mine kept going up.. no tickets, no accidents.. I left and went to Geico
Lots of industry-wide issues I outlined in a separate comment, and I posted in another comment what to look for when getting insurance, but a few final pointers:
Make sure your policy is calibrated for your circumstances, confirm that you qualify for every discount owed, get yourself an AARP membership if you haven’t already, bundle your insurances with one company, and cooperate with your claims department with every investigation when you file a claim to reduce the likelihood you’ll be found at fault.